• The insurance object is the life and health of the Insured or a third party (the Insured) designated by the Insured in the insurance contract with his/her consent, as well as medical and additional expenses directly related to the insured event during the trip (travel) by the Insured or the Insured.

• The following risks are included:

- insurance of medical expenses related to the provision of assistance (assistance) to persons who are in a difficult situation during a trip (trip) in Ukraine or abroad;
- insurance of expenses, other than medical expenses, related to provision of assistance to persons who are in a difficult situation during a trip (travel) in Ukraine or abroad

• The Insurer is not liable under the Insurance contract if the event occurs

- during a state of emergency, special or martial law declared by the authorities in the country of residence of the Insured and/or during civil unrest, revolution, uprising, strike or terrorist act, as a result of illegal actions (inaction) of state authorities in the country of residence (part thereof) of the Insured, as well as if entry to this country is not recommended by the Ministry of Foreign Affairs of Ukraine
- due to exposure to nuclear energy;
- outside the validity period of the Insurance contract;
- during a trip made for medical treatment.

• Medical expenses:

  - Min. 30,000 c. u.

  - Max. 50,000 c. u.

• Emergency dental care: 200 c.u.
• Payment for urgent notifications related to the insured event - 20 c. u.

• Information on the liability limits for individual insured events is specified in the Policy. The limit of liability may not exceed the insured amount and the expenses or losses incurred in the insured event.

• The amount of insurance payment for 1 (one) day: min. - 0.7711 Euro, max. 34.6 Euro 

• is not applied

• The coverage area is divided into zones:

  - The whole world, except Ukraine, the country of permanent residence and the country of which the Insured is a citizen

  - The whole world, except for the USA, Thailand, Indonesia, and Ukraine, the country of permanent residence and the country of which the Insured is a citizen.

• The insurance term is defined as the period from the date specified in the Policy as the beginning of insurance and shall be valid until the date specified as the end of the insurance term. Insurance cover shall expire at the moment the Insured (the Insured person) passes the border control of Ukraine upon returning from abroad or at 24 hours of Kyiv time on the day specified as the end of the insurance term with mandatory consideration of the number of insured days (by the date that came earlier). The insurance agreement is concluded for a period not exceeding 365 calendar days. The Contract shall enter into force from 00:00 hours of the date following the date of full payment of the Insurance payment to the Insurer's account, but not earlier than the date of commencement of the trip (travel) specified in the Contract, and is valid until 24:00 hours of the date of completion of the trip (travel) specified in the Contract.

• Late notification of an insured event and failure of the insured to fulfill its obligations under the insurance contract may be a reason for the insurer to refuse to pay the insurance indemnity.

  The Insurer has the right to refuse to pay the insurance indemnity if the Insured fails to perform the actions stipulated in the insurance contract in the event of an Insured Event.

  Events occurring during the insurance period for which the insurance payment has not been paid within the terms stipulated in the insurance contract shall not be recognized as insured events.

• The insurance product is not part of any package/agreement. The insurance product can be purchased separately.

• None

• The payment varies depending on: the duration of the Insured Person's stay abroad; the size and currency of the sum insured under the options; the territory of validity; the number of insured persons, their age and their location; the conditions of coverage of incidents that occur during sports, as a result of terrorist acts.

• Term of payment of the insurance amount: 100% (one-time upon conclusion of the Agreement).
• Insurance payment procedure: The Insurance payment is deemed paid from the date of receipt of non-cash funds or cash deposit to the Insurer's account.

• In the event of an insured event and the need to receive emergency medical care abroad, the Insured person, personally or through other persons, shall provide the Assistance Company with the following contact information:
  

  - Number for calls from abroad: +38 044 500 14 14;
  - e-mail: [email protected];
  - VIBER bot: Ensuria;
  - TELEGRAM bot: Ensuria;
  - Facebook Messenger: Ensuriacom;
  - contract number;
  - surname and name of the Insured person;
  -  location: country, city, address, and contact phone number of the Insured;
  - the reason for the claim

• If it is necessary to receive indemnity in case of flight delay and/or baggage delay, the Insured personally or through third parties shall contact the Insurer's contact center to report the insured event by the following contacts: 800 30 272 3 - within Ukraine; +38 044 272 0 272 - outside Ukraine; e-mail: [email protected], telegram, Facebook or Viber arx.com.ua/kontakty. The Insured shall notify the Insurer of an event by contacting the Insurer's contact center by phone specified in the Insurance Contract or by submitting an application through the Insurer's official website or in another way specified in the Insurance Contract. The Parties agree that proper fulfillment of this clause by the Insured shall constitute notification of the occurrence of an event having signs of an Insured Event and shall not require additional written confirmation unless otherwise provided:
• When recording a Claim for an event and for payment, the Insured shall provide the Insurer with complete and accurate information regarding the circumstances of the event having signs of an insured event.
• The Insured shall be obliged to submit a written Claim for the event and payment in the form specified by the Insurer within 3 (three) business days (regardless of the Claim being recorded through the Insurer's contact center, by telephone) only in the following cases: at the Insurer's request. 

• The provisions on exceptions to insured events and reasons for a refusal to make insurance payments under the comprehensive insurance contract for persons traveling outside Ukraine for clients of JSC "FUIB" are given in the relevant Information Document on the standard insurance product, which can be found in the block "Information to read before entering into an insurance contract" on our website or the website of the insurance company using the links: Information document for the product "Travel insurance"