The life, health, and capacity for work of the Insured Person.

Impairment of health and/or death of the Insured Person, characterized by an element of chance and probability of occurrence. "Impairment of health" shall be understood to include: injuries to the head, neck, chest, abdomen, lower back, lumbar spine and pelvis, shoulder and shoulder girdle, elbow and forearm, wrist and hand, hip joint and thigh, knee and lower leg, ankle and foot; contusions; bone fractures or dislocations; organ rupture (partial or complete); consequences of the entry of a foreign body through a natural orifice (into the external part of the eye, ear, respiratory tract, digestive tract, or urogenital system); thermal and chemical burns; frostbite; heatstroke; hypothermia; drowning; asphyxia (suffocation); and injuries caused by electric current, lightning, or ionizing radiation. accidental acute poisoning by chemical substances (household or industrial) and their components, medications, poisonous mushrooms, plants, insect or snake venom (resulting from bites), or spoiled food products (specifically those classified as "other bacterial foodborne intoxications" under the latest revision of the ICD); injuries sustained as a result of accidents, fires, or natural disasters (earthquakes, landslides, floods, hurricanes, and other emergency events); injuries sustained during or following contact with animals (including birds, reptiles, insects, etc.) or plants (including mushrooms, algae, etc.); rabies or tetanus; and cases of tick-borne encephalitis (encephalomyelitis), vaccine-associated acute paralytic poliomyelitis, or botulism.

If the "War Risks" additional coverage is included, the insured risks encompass health impairment or death sustained by the Insured Person as a result of the direct or indirect impact of events associated with armed aggression, warfare, or combat operations, including, but not limited to:

-           a missile strike;

-           a strike or attack by an unmanned aerial vehicle (UAV/drone);

-           the impact of air defense or missile defense systems;

-           the falling of debris from missiles, UAVs, munitions, or air/missile defense components. -            an explosion, fire, shockwave, collapse, or other mechanical impact, provided these are a direct or indirect consequence of the aforementioned events.

The following persons are ineligible for insurance:

•           individuals with Group 1, 2, or 3 disability status;

•           individuals suffering from severe nervous system disorders as classified under the ICD (International Classification of Diseases)—including benign or malignant tumors of the brain or spinal cord, tumors of the vertebral column, nervous system involvement due to malignant neoplasms, brain death, injuries to the vertebral column, spinal cord, or brain, acute cerebrovascular accidents (stroke), demyelinating diseases of the nervous system, and viral infections of the central nervous system (excluding mosquito-borne or tick-borne encephalitis, acute poliomyelitis, rabies, etc.);

•           individuals suffering from any form of mental illness;

•           individuals registered with specialized addiction treatment clinics or neuropsychiatric dispensaries, or with centers for the prevention and control of AIDS, as well as individuals diagnosed with AIDS;

•           individuals declared legally incapacitated in accordance with the law;

•           pilots and aircraft crew members while engaged in flight operations.

If extended coverage for war risks is included, the following persons are ineligible for insurance: volunteers serving in the Territorial Defense Forces of the Armed Forces of Ukraine; servicemen of the Armed Forces, the Security Service, the Foreign Intelligence Service, the Main Directorate of Intelligence of the Ministry of Defence, the National Guard, the State Border Guard Service, the State Guard Administration, the State Service of Special Communications and Information Protection, and the State Special Transport Service; military prosecutors of the Office of the Prosecutor General; rank-and-file and command personnel of the State Emergency Service; employees of the Judicial Security Service; command personnel of the Special Operations Directorate of the National Anti-Corruption Bureau; police officers; as well as rank-and-file and command personnel of the State Penitentiary Service serving within the bodies and institutions of said Service; and civilians whose activities involve an elevated military risk.

The insured sum and specific insurance terms are agreed upon by the insurer and the policyholder at the time of concluding the insurance contract.

Minimum insurance rate – 0.1%

Maximum insurance rate – 8%

The deductible is established by agreement between the parties to the contract.

Territory of coverage – Ukraine, excluding territories regarding which, prior to the date of conclusion of the insurance contract, the competent state authorities of Ukraine have officially.

Refusal to pay the insurance indemnity.

The product is not offered in conjunction with any ancillary and/or additional non-insurance product, work, or service as part of a single package or contract.

There are no discounts available for this product.

There are no promotional offers.

a) the existence of other active insurance contracts covering the subject of insurance;

b) the duration of the insurance coverage;

c) the specific time period within a 24-hour cycle (time of day) covered;

d) the territorial scope of the contract;

e) the age of the insured person;

f) the type of sport practiced by the insured person;

g) the specific sporting discipline;

h) the type of professional activity;

i) the presence of characteristics that fall under insurance exclusions or restrictions;

j) the amount of the sum insured.

Before deciding to enter into an insurance contract—to ensure an informed decision—PJSC "IC 'Euroins Ukraine'" requests that you review information concerning exclusions from insured events, grounds for the refusal of insurance payouts, the insurer’s liability limits (per specific insured object, insurance risk, and/or insured event), as well as the procedure for calculating and the conditions for making insurance payouts. This information can be found in the General Terms and Conditions of the insurance product, which are provided below this notice.