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. Exclusions from Insurance Events and Grounds for Denial of Insurance Payments

Exclusions from Insurance Events:

1. The following events are not considered insurance cases if they occur due to:
   1.1. Events outside the insurance territory and/or insurance term;
   1.2. Participation of the Insured Person in military, political, or terrorist activities of any nature;
   1.3. Service in any armed forces, law enforcement agencies, fire departments, or private security organizations;
   1.4. Consumption or being under the influence of alcohol, alcohol substitutes, drugs, toxic substances, or medications not prescribed by a doctor;
   1.5. Epidemic or pandemic diseases and measures to prevent their spread (exceptions include COVID-19 coverage as specified in the agreement);
   1.6. Pre-existing conditions that resulted in disability (except for emergency medical assistance or intensive care in life-threatening situations or acute pain relief).

2. For medical expenses, the Insurer also does not cover:
   2.1. Medical or transport assistance not provided for in the agreement;
   2.2. Medical services not approved or organized by the Insurer or its authorized representative;
   2.3. Non-essential medical treatment or treatments not prescribed by a doctor;
   2.4. Injuries or illnesses resulting from participation in adventure tourism or sports not listed in the agreement;
   2.5. Cardiovascular surgeries such as coronary bypass, angioplasty, etc.;
   2.6. Medical services related to chronic or congenital diseases, unless specified otherwise;
   2.7. Preventive medical examinations;
   2.8. Costs incurred due to refusal of medical evacuation when recommended;
   2.9. Self-treatment or its consequences;
   2.10. Planned treatments during the trip;
   2.11. Medical services received by an uninsured individual.

3. For non-medical expenses, the Insurer does not cover:
   3.1. Recovery or replacement of personal or administrative documents, travel tickets, cash, or securities;
   3.2. Baggage delays occurring during flights to the Insured Person’s country of permanent residence;
   3.3. Unreported baggage delays or losses to airline representatives.

Grounds for Denial of Insurance Payments:

• Intentional actions by the Policyholder or Insured Person leading to the insurance event;
• Criminal offenses committed by the Policyholder or Insured Person;
• False information provided about the insurance object or the circumstances of the insurance event;
• Full reimbursement of damages from another party responsible for the loss;
• Failure to notify the Insurer about the insurance event or fulfill other contractual obligations;
• Existence of exclusions or limitations as specified in the agreement;
• Hindering the Insurer’s investigation of the claim;
• Refusal by the Insured Person to accept payment.

8. Insurer's Liability Limits for Specific Insurance Objects, Risks, and Events

The liability limits vary depending on the selected Standard or Elite program:

• Emergency outpatient care: EUR 1,000 (Standard and Elite);
• Emergency dental care: EUR 100 (Standard), EUR 250 (Elite);
• Document loss/theft reimbursement: EUR 300 (Elite; optional for Standard);
• Accident compensation: 5% of the medical expenses insurance sum;
• Baggage delay/loss compensation: EUR 100 (Standard and Elite);
• Flight delay/cancellation compensation: EUR 100 (Elite; optional for Standard);
• Assistance communication costs: EUR 50 (Standard and Elite).

For the Elite program only:

• Trip interruption due to a close relative's death: EUR 1,500;
• Legal assistance:
  • Bail payment: EUR 3,000;
  • Lawyer services: EUR 1,000.

9. Procedure and Conditions for Insurance Payments

For medical expenses:
The insurance payment is determined by the actual costs incurred for medical or transport assistance or other reimbursable expenses specified in the agreement. Payments are within the limits of the coverage and deductibles.

For non-medical expenses:
The Insurer reimburses actual expenses up to the specified insurance sum and deductibles. Payments are made in Ukrainian currency (UAH), converted using the National Bank of Ukraine exchange rate on the insurance event date.

Accident Compensation:

1. Death: 100% of the liability limit.
2. Group I disability: 100% of the liability limit; Group II disability or “child with disability” status: 80%.

10. 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).

11. 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.

12. 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.