1. Insurance Object
The object of insurance includes:

• In terms of medical expenses: the life, health, and ability to work of the Insured Person.
• In terms of non-medical expenses: possible losses or expenses incurred by the Insured Person.

2. Insurance Risks and Coverage Limitations

For medical expenses:
The insurance risks include:

• Sudden illness of the Insured Person (acute illness, exacerbation, or complications of a chronic illness) threatening the life and health of the Insured Person and requiring urgent medical or medical transport assistance;
• Health disorder resulting from an accident involving the Insured Person;
• Acute dental pain caused by an acute tooth or adjacent tissue disease or jaw injury resulting from an accident;
• Pregnancy complications of the Insured Person;
• Death of the Insured Person as a result of the above cases.

For non-medical expenses:
The insurance risks include:

• Delay or loss of baggage by an airline carrier;
• Flight delay or cancellation;
• Loss, misplacement, or theft of personal documents of the Insured Person, including passports, travel documents, driver’s licenses, or vehicle registration certificates belonging to the Insured Person;
• Early return of the Insured Person from abroad due to the death of a close relative and their return to the temporary country of residence;
• Expenses incurred by the Insured Person for legal services or bail payments related to claims during travel in the temporary country of residence;
• An accident during travel that results in permanent disability (assignment of Group I or II disability status or "child with disability" status) or the death of the Insured Person. This event is considered an Insurance Case if its consequences occur within 12 months of the accident date.

The specific list of insured risks depends on the selected program and is specified in the agreement.

Coverage Limitations:
The following are not eligible for insurance:

• Legally incompetent individuals as recognized by applicable legislation;
• Individuals who have reached the age of 70 at the time of the agreement.

The insurance contract is valid only if it was concluded before the start of the trip and if, at the time of signing, the Insured Person was located in Ukraine.

3. Minimum and Maximum Insurance Sum (Coverage Limit)
The insurance sum is aggregate and determined by agreement between the parties depending on the program chosen by the Policyholder, as follows:

• For medical expenses: EUR 30,000 or EUR 50,000;
• For non-medical expenses: EUR 1,600 to EUR 8,500.

4. Minimum and Maximum Insurance Premium and/or Rate

The minimum and maximum insurance premiums (per individual):

• Standard Program: EUR 5 to EUR 1,070;
• Elite Program: EUR 10 to EUR 1,900.

5. Deductible Type, Minimum, and Maximum Amounts (if applicable)

• Unconditional Deductible: 0%.
• Waiting Period Deductible: 2 days from the date of the agreement.

6. Insurance Territory and Term [including the entry into force and insurance period (if applicable))

Insurance Territory:
The travel territory is specified in the agreement as one of the geographic zones or countries selected at the time of signing, including:

• Europe;
• Europe, Turkey, Egypt, Cyprus;
• Europe, Kazakhstan, Tajikistan, Uzbekistan;
• Worldwide (excluding the USA, Canada, and Indonesia);
• Worldwide.

Excluded territories include:

• Specific areas of countries where military conflicts occur during the insurance case;
• Temporarily occupied, annexed, or disputed territories;
• Territories of unrecognized states as determined by Ukrainian legislation;
• Russia, Belarus, Nepal.

The agreement is not valid on the territory of Ukraine, the permanent residence, or citizenship country of the Insured Person.

Insurance Term:
The insurance agreement is valid for a period of 4 to 60 calendar days.

The agreement takes effect on the date specified in the contract as the start date, but not earlier than the day following the premium payment into the Insurer’s account in the amount and terms specified in the contract.

7. Possible Consequences for Consumers for Non-Compliance with Contractual Obligations

Failure to comply with the obligations specified in the insurance contract may result in denial of insurance payments. Non-payment of the premium in the specified amount and terms renders the agreement void (unless otherwise agreed upon in the contract).

8. Information on the Option to Purchase the Insurance Product Separately

The insurance product is not an add-on to other goods, works, or services that are not insurance-related.

9. Conditions for Discounts and Promotional Offers

Discounts can be obtained by entering a promo code when purchasing the insurance product on the Insurer’s official website at www.uniqa.ua.
Promo codes may be distributed through various communication channels, including the Insurer's website, intermediaries, partners, or social media.

Promotional offers are not provided for this product.

10. List of information that is essential for the assessment of insurance risk and/or information about other circumstances considered when determining the amount of the insurance premium

The information that is essential for the insurer's decision on the amount of the insurance premium under the contract and the assessment of the insurance risk includes information about:

• the age of the Insured person;
• the direction of travel;
• the type of tourism the Insured person will engage in during the trip;
• the duration and period of the trip;
• the number of trips (optional);
• the health condition of the Insured person;
• the location of the Policyholder / Insured person at the time of concluding the Contract, the chosen Program, and additional risks.

Disclaimer: before concluding the insurance contract, it is necessary to familiarize yourself with information about exclusions from insurance cases and grounds for refusal to make insurance payments, the insurer's liability limits for a specific insurance object, insurance risk and/or insurance case, as well as the procedure for calculating and conditions for making insurance payments at the link: https://uniqa.ua/storage/insurance-products/reports-files/1614_umovy_22.08.2024.pdf.

Insurance product programs:

For all the above-mentioned Programs, the following conditions are common:

• object of insurance;
• type, minimum and maximum deductible amounts;
• territory and term of the insurance contract [including information on the procedure for its entry into force and insurance period(s) (if any)];
• possible consequences for the consumer in case of failure to fulfill the obligations defined by the insurance contract, including untimely notification of the occurrence of an insured event without valid reasons and untimely payment of the insurance premium or its next part;
• information about the possibility of purchasing the insurance product separately, if such a product is offered together with an accompanying and/or additional good, work, or service that is not insurance, as part of a single package or contract;
• conditions for obtaining a discount on the insurance product and promotional offers from the insurer (if any), including their validity periods.