Life and health of the Insured Persons.

The insurance risk is health impairment and/or death of the Insured Person, which have the characteristics of an accident and the probability of occurrence.

Insurance Limitations: None.

Minimum Insurance Amount: 10,000 UAH

Maximum Insurance Amount: 30,000 UAH

Minimum Insurance Premium: 150 UAH

Maximum Insurance Premium: 460 UAH

Set as a waiting period of 14 calendar days from the date of the contract and applies only to health insurance in case of illness.

Territory of Coverage: Ukraine (except for areas of active hostilities and territories temporarily occupied by the Russian Federation, as defined by the Order of the Ministry for Reintegration of Temporarily Occupied Territories No. 309 dated December 22, 2022, "On Approval of the List of Territories Where Hostilities Are (Were) Conducted or Temporarily Occupied by the Russian Federation" or any amendments thereto, as well as within 50 km of these territories), areas of combat zones, civil unrest, and areas with special access control regimes (entry/stay/exit).

Contract Duration: Up to 6 months (inclusive).

Contract Effective Date: The contract becomes effective on the date specified in the contract, but not earlier than the receipt of the insurance premium by the Insurer's account.

Contract Renewal: Not possible.

7.1. Insurance events do not include and insurance indemnity is not paid if the damage caused to the Insured Persons is related to an event that:

7.1.1. Occurred before the contract's effective date or after its expiration.

7.1.2. Occurred outside the specified territory of this contract.

7.2. For Block I – Insurance events do not include:

7.2.1. All diseases, health disorders, and conditions that do not relate to traumatic health injuries as a result of an RTA.

7.2.2. Events that occurred as a result of:

7.2.2.1. Intentional infliction of bodily harm by the Insured Person, suicide, attempted suicide, or their consequences.

7.2.2.2. RTA if the vehicle was driven by the Insured Person without the right to drive a vehicle of such a category or without legal grounds for driving the vehicle; or being under the influence of alcohol or under the influence of narcotic or toxic substances, as well as if the Insured Person, knowing this in advance, was in the vehicle driven by a person who does not have the right to drive a vehicle of such a category or was under the influence of alcohol, narcotic, or toxic substances.

7.2.2.3. Participation of the Insured Person in mass disturbances, uprisings, and other acts of civil disobedience, terrorist acts, or actions related to political beliefs.

7.3. For Block II – Insurance events do not include:

7.3.1. Cases where the first symptoms of COVID-19 appeared before the contract was signed or during the waiting period.

7.3.2. Diseases related to viral and infectious diseases, ARVI, and/or pneumonia not associated with COVID-19.

7.3.3. Laboratory confirmation of COVID-19 provided by a non-accredited laboratory.

7.3.4. COVID-19 disease not confirmed by a PCR test result.

7.3.5. Cases of reinfection with COVID-19 during the contract period.

7.3.6. The insurance event occurred during the waiting period.

7.4. For Block I, the Insurer does not reimburse expenses for:

7.4.1. Sanatorium-resort treatment, use of unregistered drugs in Ukraine, care products, and auxiliary medical devices (wheelchairs, crutches, etc.).

7.4.2. Cosmetic services, plastic surgery, prosthetics.

7.5. The Insurer is not liable if the insurance event occurred:

7.5.1. As a result of the impact of nuclear energy, ionizing radiation, chemical and bacteriological contamination of the area.

7.5.2. As a result of and/or during any military actions (including the use of explosive devices or firearms), changes in the military-political situation, the threat of military force, military conflicts, armed conflicts, local wars, regional wars, invasion of troops, uprisings, civil disturbances, strikes, riots, lockouts, coups, revolutions, terrorism, or any other actions motivated by political reasons, confiscation, forced seizure, requisition, or damage by the order of the existing government or any government authority, as well as arrest or other seizure carried out by law enforcement or other authorized bodies (customs, border, or others), introduction of a state of emergency or special regime.

7.5.3. As a result of and/or during any actions or activities recognized as a terrorist act by the law enforcement authority of the country or territory where such actions or activities took place.

7.5.4. As a result of and/or during the use of any biological, chemical weapons, nuclear weapons, or other nuclear devices, weapons of mass destruction released from artillery or other military weapons, or dropped from an aircraft/ship.

7.6. The Insurer is not liable for adverse consequences of diagnostic, therapeutic, and preventive measures (including drug injections) related to the treatment carried out to eliminate the consequences of an insured event that occurred during the contract period.

7.7. The insurance contract does not cover the territory of Ukraine, the status of which, according to Ukrainian legislation, is established as "temporarily occupied," the territory of combat zones, civil disturbances, as well as territories with special access control regimes (entry/stay/exit), including (but not limited to) construction sites, airports, seaports, military units.

7.8. Sanction Limitations and Exclusion Clause: According to this clause, no insurer provides coverage, and no insurer is liable for payment of any damage or compensation if, by providing such coverage, paying such damage, or providing such compensation, the insurer may be subject to any sanctions, prohibitions, or restrictions under United Nations Resolutions or trade and economic sanctions under any laws or regulations related to national and international trade and economic sanctions.

Not applicable

9.1. In the event of an incident that has the characteristics of an insurance event, based on a claim for insurance payment from the Policyholder and/or Third Parties, the Insurer makes a decision on making or refusing the insurance compensation payment within 9 (nine) working days from the date of receipt of all necessary documents specified in the list of required documents by drawing up an insurance act or an act of refusal of insurance payment accordingly.

9.2. If a decision is made to pay the insurance compensation, the payment is made within 5 (five) working days from the date of signing the insurance act. The date of the insurance compensation payment is the date the funds are debited from the Insurer's account.

9.3. If a decision is made to refuse the insurance compensation payment, the Insurer informs the Insured Persons in writing with justification for the refusal within 9 (nine) working days from the date of making such a decision.

9.4. To make a decision on the payment or refusal of insurance payment, the Insurer may conduct additional examinations, make official inquiries to competent authorities to determine the causes and circumstances of the insured event, etc. In this case, the period for making a decision on the payment or refusal of insurance payment is extended for the period of waiting for information from competent authorities.

9.5. For Block I: The insurance payment is made by the Insurer by reimbursing the Policyholder for confirmed payments for medical services and medications to the medical (pharmacy) institution that provided the Policyholder with medical services (medications).

9.6. For Block II: The Insurer is obliged to make insurance payments in the amount of:

9.6.1. In case of the Policyholder's death, the payment amounts to 100% of the selected insurance sum.

9.6.2. In case of hospitalization in an intensive care unit, 50% of the selected insurance sum.

9.7. In any case, the total amount of insurance compensation for one or several insurance cases cannot exceed the corresponding insurance sum.

9.8. The Policyholder is obliged to return within 30 (thirty) calendar days to the Insurer the received insurance compensation (or its appropriate part) and reimburse the Insurer's expenses related to the settlement of the loss if, under the current legislation of Ukraine, the Policyholder or the injured third party who received insurance compensation is fully or partially deprived of the right to receive it, as well as reimburse the Insurer's expenses for conducting medical or other examinations aimed at determining the amount of damage caused.

9.9. Only direct damage caused to the Policyholder's property interests as a result of an insurance event is subject to insurance compensation, and any indirect damage or expenses, such as lost profits, moral damage, fines, penalties, other charges, rental costs, travel expenses, hotel accommodation, etc., are not included.

Refusal to pay insurance compensation.

The product is not offered along with an accompanying and/or additional product, work, or service that is not insurance, as part of one package or contract.

No discounts on the product.

No promotional offers.