What is travel insurance for?

This is a mandatory type of insurance for all those traveling abroad, as stipulated by the Law of Ukraine On Tourism. The policy ensures the organisation and payment for medical services in case of illness or accident. It is also required when applying for a visa.

Which documents are required to take out travel insurance?

Foreign passport, identification code (TIN).

What is meant by a single and multiple trip?

A single trip involves travelling abroad once for a specified period. Multiple trips (multivisa) allow you to cross the border several times during the policy period.

Which countries are part of the Schengen area?

The Schengen area includes Austria, Belgium, Denmark, Finland, France, Greece, Spain, Luxembourg, the Netherlands, Portugal, Sweden, Italy, Latvia, Lithuania, Malta, Poland, the Czech Republic, Slovakia, Slovenia, Hungary, Norway, Iceland and Switzerland.

What insurance amount should I choose?

30,000 USD/EUR is the minimum required insurance amount. For traveling to the USA and Canada, we recommend choosing 50,000 USD/EUR. In most cases, this is a requirement of embassies to obtain a visa to these countries. The currency of the insurance amount is determined depending on the country you choose.

Is there a franchise?

A franchise is a part of the loss amount that is not reimbursed by the insurance company. In most cases, the deductible does not apply, but it may apply to certain services, see the description of each insurance company or insurance policy for more details, as the conditions may differ.

What are the insurance risks and what is included in the travel insurance?

All insurance options include the most necessary service:emergency medical and dental care;medicines, medical transportation if necessary, repatriation.See the description for each insurance company in more detail, as conditions may vary.

Does travel insurance cover COVID-19 or do I need separate insurance?

All policies already include coverage for COVID-19.

What does a travel insurance policy not cover?

treatment of injuries sustained in force majeure circumstances: during military conflicts, civil unrest, revolutions, or terrorist attacks, as well as during stay in countries not recommended by the Ministry of Internal Affairs of Ukraine treatment of diseases that occurred before the conclusion of the contract treatment of diseases and injuries that resulted from actions with unjustified risk to life and health, the performance of physical work for hire (if the insurance policy is not issued for this purpose), professional sports, or participation in competitions medical goods and medicines for health improvement and prevention: vaccines, vitamins, preventive examinations, sanatorium treatment, etc. treatment of injuries that the insured received under the influence of alcohol or drugs cosmetic and plastic surgeries dental services (except for emergency treatment) childbirth

What to do if an insured event occurs?

You just need to contact the assistance company, which will search for the nearest hospital, arrange an appointment with a doctor, organize the delivery of medicines, etc. The number of the assistance company is indicated in the insurance policy.

What is the difference between a policyholder and an insured?

The policyholder is the one who signs the contract. The Insured is the person who is going on the trip. If you are signing the contract and you are going on a trip, use the Copy data button to avoid entering the data again. According to the law of Ukraine, only an adult Insured may enter into the contract. At the same time, the age of the insured persons under the contract may be from 0 years.

Do I need to print out the electronic policy?

An electronic policy and a blank (paper) policy have the same legal force and meet all the requirements of Ukrainian legislation. You can print out the policy or simply save it on your phone. If you need a policy with a wet stamp, please contact our specialists.

Does the agreement come with a seal?

Each electronic contract is signed with an electronic digital signature, which has the same legal force as a conventional signature. In some cases, a facsimile seal and signature are additionally used.

How to buy travel insurance for a child online?

When applying for travel insurance for a child, you need to enter your personal data (of one of the parents or other adult persons accompanying the child) in the policyholder block and the child's data in the insured No. 1 block, and then pay for the policy.

What should I do if I made a mistake when filling out the form and have already paid for the policy?

Contact the support of our bank and inform us about this, and we will correct your mistake and send you a policy with the correct data.

I can't pay for travel insurance, what should I do?

Check your card balance. Make sure that you do not have a limit on online purchases, or that the ability to make online payments is not disabled. You can do this through your bank's app or by checking with the bank's hotline. If there is nothing wrong with your card, but the problem is not resolved, write to our bank's chat immediately. We will be glad to help.

Travel insurance

Accepted by all visa application centres, embassies and consulates

Only reliable insurance companies verified by the bank's experts

You can apply even if you are already abroad

Pay by card of any bank without fee

Get 10% cashback for issuing and paying for the Travel Insurance policy on the website with a FUIB card*

Apply online

*To receive cashback, before applying for insurance, select the “Cashback” offer on the “Benefits” tab of the PUMB mobile app and the “Insurance” offer in the “From partners” menu.

A travel insurance policy can be issued at any branch of FUIB

Show map of branches

карта відділень

Information about the insurance product “Travel insurance” in the context of insurance programs

ARX

Insurance object

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.

Insurance risks and limitations

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.

Insured amount

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.

Limits of liability of the insurer for a single insured event

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.

Minimum and maximum insurance payment/tariff amounts.

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

Franchise

is not applied

Area of coverage

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.

Validity period

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.

Consumer consequences in case of failure to fulfill the obligations specified in the insurance 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.

Is this product available separately, without related and/or additional services?

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

Discounts and special offers

None

A list of information that is essential for assessing the insurance risk and/or information about other circumstances taken into account when determining of the insurance premium amount

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.

Procedure and terms of insurance payment

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.

Procedure in case of an event with signs of an insured event

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.

Exceptions to insured events and reasons for refusal of insurance payment

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"

Insurance object

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.

Insurance risks and limitations

The following risks are included:

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

Insured amount

Medical expenses:
- Min. 30,000 c. u.

- Max. 50,000 c. u.
Emergency dental care - 200 c. u.
Payment of telephone costs with the Insurer - 20 c. u.
Extraordinary extension of stay - 500 c. u.
Early return - 500 c. u.
Flight delay - 100 c. u.
Loss of luggage - 100 c. u.

Limits of liability of the insurer for a single insured event

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.

Minimum and maximum insurance payment/tariff amounts.

The insurance payment amount for 1 (one) day is between 5.6346 Euro and 8.8380 Euro.

Franchise

is not applied

Area of coverage

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.

Validity period

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.

Consumer consequences in case of failure to fulfill the obligations specified in the insurance 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.

Is this product available separately, without related and/or additional services?

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

Discounts and special offers

None

A list of information that is essential for assessing the insurance risk and/or information about other circumstances taken into account when determining of the insurance premium amount

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.

Procedure and terms of insurance payment

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.

Procedure in case of an event with signs of an insured event

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.

Exceptions to insured events and reasons for refusal of insurance payment

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"

Insurance object

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.

Insurance risks and limitations

The following risks are included:

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

Insured amount

Medical expenses:
- Min. 30,000 c. u.

- Max. 50,000 c. u.
Emergency dental care - 200 c. u.
Payment of telephone costs with the Insurer - 20 c. u.
Extraordinary extension of stay - 500 c. u.
Early return - 500 c. u.
Flight delay - 100 c. u.
Loss of luggage - 100 c. u.
Organization of delivery of the insured person to the destination in case of car breakdown - 100 c. u.
Extraordinary arrival of a 3rd person - 500 c. u.
Loss of personal documents - 150 c. u.
Lawyer's services - 1,000 c. u.

Limits of liability of the insurer for a single insured event

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.

Minimum and maximum insurance payment/tariff amounts.

The insurance payment amount for 1 (one) day is between 5.6346 Euro and 8.8380 Euro

Franchise

is not applied

Area of coverage

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.

Validity period

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.

Consumer consequences in case of failure to fulfill the obligations specified in the insurance 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.

Is this product available separately, without related and/or additional services?

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

Discounts and special offers

None

A list of information that is essential for assessing the insurance risk and/or information about other circumstances taken into account when determining of the insurance premium amount

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.

Procedure and terms of insurance payment

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.

Procedure in case of an event with signs of an insured event

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.

Exceptions to insured events and reasons for refusal of insurance payment

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"

Ingo

Insurance object

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.

Insurance risks and limitations

The list of insurance risks by Insurance Classes is determined by agreement of the Parties, based on the needs of the Client, and is specified in clause 3.3. and 3.4. of the Certificate.
The following risks are included:

insurance of medical expenses related to the provision of assistance to persons who have found themselves in a difficult situation during a trip (trip) in the territory of Ukraine or abroad;
insurance of expenses, other than medical, related to the provision of assistance to persons who have found themselves in a difficult situation during a trip (trip) in the territory of Ukraine or abroad.

The following are not accepted for insurance:
In terms of Insurance Class 18 and Insurance Class 1:
2.1.2.1. persons who have an established disability of group 1 or 2, the status of a “disabled child”;
2.1.2.2. a person who has at least one of the following established diagnoses:
- toxic hepatitis,
- chronic hepatitis B, C, D, E, F,
- cirrhosis of the liver,
- chronic renal failure,
- stroke,
- malignant neoplasms,
If after concluding the Insurance Contract it is established that the Insured/Insured person
reported to the Insurer knowingly false information, or concealed information about the circumstances,
specified in clauses 2.1.2.1.-2.1.2.2., the Insurer has the right to initiate the recognition of the Insurance Contract
as invalid as concluded under the influence of an error and to terminate the provision of insurance protection services.

Insured amount

Medical expenses: 30,000 c. u.
Emergency dental care - 150 c. u.
Extraordinary extension of stay - within 3000 to 7 days.
Lawyer's services - within 10% of the insured amount (+ translator)
Search and rescue work - within 15% of the insured amount.

Limits of liability of the insurer for a single insured event

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.

Minimum and maximum insurance payment/tariff amounts.

The amount of insurance payment for 1 (one) day: min. - 0.81 Euro, max. 3.81 Euro

Franchise

is not applied

Area of coverage

The territory of the Contract is all countries of the world. The Contract is not valid in the country of permanent legal residence of the Insured/Insured person and/or in the country of which he/she is a citizen (except when the Insurance Contract is concluded under the terms of individual insurance programs).
2.4.3. The territory of the Insurance Contract may have restrictions regarding specific territories (regions, cities, etc.) to which the insurance coverage does not apply.

Validity period

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.

Consumer consequences in case of failure to fulfill the obligations specified in the insurance 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.

Is this product available separately, without related and/or additional services?

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

Discounts and special offers

None

A list of information that is essential for assessing the insurance risk and/or information about other circumstances taken into account when determining of the insurance premium amount

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.

Procedure and terms of insurance payment

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.

Procedure in case of an event with signs of an insured event

By Clause 6 of the General Terms and Conditions, the Insured/Insured person shall, no later than 24 hours after the occurrence of the event
contact the Assistance Company and/or Insurer's contact center specified in the Contract for
to obtain information on further actions, and inform the operator of the Assistance Company of such information:
6.1.1. number of the Contract;
6.1.2. surname, name of the Insured/Insured person;
6.1.3. term of validity of the Contract;
6.1.4. location of the Insured / the Insured person (country, city, etc.), contact phone number;
6.1.5. reason for application.
6.2. If a phone call to the Assistance Company was made before applying to a medical institution for medical care, the Insured / Insured person will be organized General Terms and Conditions of Comprehensive Insurance Product "Comprehensive Insurance for Persons Traveling or Arriving in the Country for a Temporary Stay" Page 19 19 provision of medical care and other services on the terms and conditions stipulated in the Insurance Contract.
6.2.1. If the Policyholder/Insured is unable to contact the Assistance Company before the provision of services stipulated in the Insurance Contract for objective reasons (health condition, lack of physical ability to call), he/she shall, within 24 hours from the moment of occurrence of an event having signs of an insured event, notify the Assistance Company of its occurrence and agree on provision and payment terms for the necessary services.
6.2.2. If the Insured/Insured person fails to notify the Assistance Company of the occurrence of the event having signs of an insured event within 24 hours from the date of occurrence of the event without having valid reasons for doing so, the Insurer shall be entitled to consider the insured event individually and decide to compensate the Insured/Insured person for treatment in the amount not exceeding 200 (two hundred) EUR/USD. for treatment in outpatient clinics, and in the amount not exceeding the amount not exceeding 500 (five hundred) euros/USD. For inpatient treatment by the General Terms and Conditions of the insurance product. In this case, payment of insurance indemnity to the Insured / Insured person as compensation for out-of-pocket expenses shall be made in the national currency of Ukraine at the established exchange rate of the National Bank of Ukraine on the date of application to a medical institution or the relevant competent authority regarding the occurrence of an insured event.

Exceptions to insured events and reasons for refusal of insurance payment

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: "GENERAL TERMS AND CONDITIONS OF THE COMPREHENSIVE INSURANCE PRODUCT “COMPREHENSIVE INSURANCE OF PERSONS TRAVELING IN UKRAINE"

Insurance object

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.

Insurance risks and limitations

The list of insurance risks by Insurance Classes is determined by agreement of the Parties, based on the needs of the Client, and is specified in clause 3.3. and 3.4. of the Certificate.
The following risks are included:

insurance of medical expenses related to the provision of assistance to persons who have found themselves in a difficult situation during a trip (trip) in the territory of Ukraine or abroad;
insurance of expenses, other than medical, related to the provision of assistance to persons who have found themselves in a difficult situation during a trip (trip) in the territory of Ukraine or abroad.

The following are not accepted for insurance:
In terms of Insurance Class 18 and Insurance Class 1:
2.1.2.1. persons who have an established disability of group 1 or 2, the status of a “disabled child”;
2.1.2.2. a person who has at least one of the following established diagnoses:
- toxic hepatitis,
- chronic hepatitis B, C, D, E, F,
- cirrhosis of the liver,
- chronic renal failure,
- stroke,
- malignant neoplasms,
If after concluding the Insurance Contract it is established that the Insured/Insured person
reported to the Insurer knowingly false information, or concealed information about the circumstances,
specified in clauses 2.1.2.1.-2.1.2.2., the Insurer has the right to initiate the recognition of the Insurance Contract
as invalid as concluded under the influence of an error and to terminate the provision of insurance protection services.

Insured amount

Medical expenses: 50,000 c. u.
Emergency dental care - within 1% of the insured amount
Payment of telephone costs with the Insurer - 100 c. u.
Loss of luggage - 500 c. u.
Extraordinary extension of stay - within 5000 to 15 days
Extraordinary arrival of a 3rd person - travel - within the insured amount; accommodation - within 80 EUR/USD per day up to 5 days
Lawyer's services - within 10% of the insured amount (+ translator)
Search and rescue work - within 15% of the insured amount

Limits of liability of the insurer for a single insured event

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.

Minimum and maximum insurance payment/tariff amounts.

The amount of insurance payment for 1 (one) day: min. - 3.01 Euro, max. 5.01 Euro

Franchise

is not applied

Area of coverage

The territory of the Contract is all countries of the world. The Contract is not valid in the country of permanent legal residence of the Insured/Insured person and/or in the country of which he/she is a citizen (except when the Insurance Contract is concluded under the terms of individual insurance programs).
2.4.3. The territory of the Insurance Contract may have restrictions regarding specific territories (regions, cities, etc.) to which the insurance coverage does not apply.

Validity period

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.

Consumer consequences in case of failure to fulfill the obligations specified in the insurance 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.

Is this product available separately, without related and/or additional services?

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

Discounts and special offers

None

Procedure and terms of insurance payment

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.

Procedure in case of an event with signs of an insured event

By Clause 6 of the General Terms and Conditions, the Insured/Insured person shall, no later than 24 hours after the occurrence of the event
contact the Assistance Company and/or Insurer's contact center specified in the Contract for
to obtain information on further actions, and inform the operator of the Assistance Company of such information:
6.1.1. number of the Contract;
6.1.2. surname, name of the Insured/Insured person;
6.1.3. term of validity of the Contract;
6.1.4. location of the Insured / the Insured person (country, city, etc.), contact phone number;
6.1.5. reason for application.
6.2. If a phone call to the Assistance Company was made before applying to a medical institution for medical care, the Insured / Insured person will be organized General Terms and Conditions of Comprehensive Insurance Product "Comprehensive Insurance for Persons Traveling or Arriving in the Country for a Temporary Stay" Page 19 19 provision of medical care and other services on the terms and conditions stipulated in the Insurance Contract.
6.2.1. If the Policyholder/Insured is unable to contact the Assistance Company before the provision of services stipulated in the Insurance Contract for objective reasons (health condition, lack of physical ability to call), he/she shall, within 24 hours from the moment of occurrence of an event having signs of an insured event, notify the Assistance Company of its occurrence and agree on provision and payment terms for the necessary services.
6.2.2. If the Insured/Insured person fails to notify the Assistance Company of the occurrence of the event having signs of an insured event within 24 hours from the date of occurrence of the event without having valid reasons for doing so, the Insurer shall be entitled to consider the insured event individually and decide to compensate the Insured/Insured person for treatment in the amount not exceeding 200 (two hundred) EUR/USD. for treatment in outpatient clinics, and in the amount not exceeding the amount not exceeding 500 (five hundred) euros/USD. For inpatient treatment by the General Terms and Conditions of the insurance product. In this case, payment of insurance indemnity to the Insured / Insured person as compensation for out-of-pocket expenses shall be made in the national currency of Ukraine at the established exchange rate of the National Bank of Ukraine on the date of application to a medical institution or the relevant competent authority regarding the occurrence of an insured event.

Exceptions to insured events and reasons for refusal of insurance payment

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: "GENERAL TERMS AND CONDITIONS OF THE COMPREHENSIVE INSURANCE PRODUCT “COMPREHENSIVE INSURANCE OF PERSONS TRAVELING IN UKRAINE"

A list of information that is essential for assessing the insurance risk and/or information about other circumstances taken into account when determining of the insurance premium amount

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.

Insurance object

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.

Insurance risks and limitations

The list of insurance risks by Insurance Classes is determined by agreement of the Parties, based on the needs of the Client, and is specified in clause 3.3. and 3.4. of the Certificate.
The following risks are included:

insurance of medical expenses related to the provision of assistance to persons who have found themselves in a difficult situation during a trip (trip) in the territory of Ukraine or abroad;
insurance of expenses, other than medical, related to the provision of assistance to persons who have found themselves in a difficult situation during a trip (trip) in the territory of Ukraine or abroad.

The following are not accepted for insurance:
In terms of Insurance Class 18 and Insurance Class 1:
2.1.2.1. persons who have an established disability of group 1 or 2, the status of a “disabled child”;
2.1.2.2. a person who has at least one of the following established diagnoses:
- toxic hepatitis,
- chronic hepatitis B, C, D, E, F,
- cirrhosis of the liver,
- chronic renal failure,
- stroke,
- malignant neoplasms,
If after concluding the Insurance Contract it is established that the Insured/Insured person
reported to the Insurer knowingly false information, or concealed information about the circumstances,
specified in clauses 2.1.2.1.-2.1.2.2., the Insurer has the right to initiate the recognition of the Insurance Contract
as invalid as concluded under the influence of an error and to terminate the provision of insurance protection services.

Insured amount

Medical expenses:
Min - 30,000 c. u.

Max - 50,000 c. u.
Emergency dental care -150 c. u.

Limits of liability of the insurer for a single insured event

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.

Minimum and maximum insurance payment/tariff amounts.

The amount of insurance payment for 1 (one) day: min. - 0.8 Euro, max. 1.13 Euro

Franchise

is not applied

Area of coverage

The territory of the Contract is all countries of the world. The Contract is not valid in the country of permanent legal residence of the Insured/Insured person and/or in the country of which he/she is a citizen (except when the Insurance Contract is concluded under the terms of individual insurance programs).
2.4.3. The territory of the Insurance Contract may have restrictions regarding specific territories (regions, cities, etc.) to which the insurance coverage does not apply.

Validity period

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.

Consumer consequences in case of failure to fulfill the obligations specified in the insurance 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.

Is this product available separately, without related and/or additional services?

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

Discounts and special offers

Cashback is available. The offer validity period, payment terms, and cashback amount are indicated in your PUMB app personal account, in the Benefits section.

A list of information that is essential for assessing the insurance risk and/or information about other circumstances taken into account when determining of the insurance premium amount

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.

Procedure and terms of insurance payment

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.

Procedure in case of an event with signs of an insured event

By Clause 6 of the General Terms and Conditions, the Insured/Insured person shall, no later than 24 hours after the occurrence of the event
contact the Assistance Company and/or Insurer's contact center specified in the Contract for
to obtain information on further actions, and inform the operator of the Assistance Company of such information:
6.1.1. number of the Contract;
6.1.2. surname, name of the Insured/Insured person;
6.1.3. term of validity of the Contract;
6.1.4. location of the Insured / the Insured person (country, city, etc.), contact phone number;
6.1.5. reason for application.
6.2. If a phone call to the Assistance Company was made before applying to a medical institution for medical care, the Insured / Insured person will be organized General Terms and Conditions of Comprehensive Insurance Product "Comprehensive Insurance for Persons Traveling or Arriving in the Country for a Temporary Stay" Page 19 19 provision of medical care and other services on the terms and conditions stipulated in the Insurance Contract.
6.2.1. If the Policyholder/Insured is unable to contact the Assistance Company before the provision of services stipulated in the Insurance Contract for objective reasons (health condition, lack of physical ability to call), he/she shall, within 24 hours from the moment of occurrence of an event having signs of an insured event, notify the Assistance Company of its occurrence and agree on provision and payment terms for the necessary services.
6.2.2. If the Insured/Insured person fails to notify the Assistance Company of the occurrence of the event having signs of an insured event within 24 hours from the date of occurrence of the event without having valid reasons for doing so, the Insurer shall be entitled to consider the insured event individually and decide to compensate the Insured/Insured person for treatment in the amount not exceeding 200 (two hundred) EUR/USD. for treatment in outpatient clinics, and in the amount not exceeding the amount not exceeding 500 (five hundred) euros/USD. For inpatient treatment by the General Terms and Conditions of the insurance product. In this case, payment of insurance indemnity to the Insured / Insured person as compensation for out-of-pocket expenses shall be made in the national currency of Ukraine at the established exchange rate of the National Bank of Ukraine on the date of application to a medical institution or the relevant competent authority regarding the occurrence of an insured event.

Exceptions to insured events and reasons for refusal of insurance payment

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: "GENERAL TERMS AND CONDITIONS OF THE COMPREHENSIVE INSURANCE PRODUCT “COMPREHENSIVE INSURANCE OF PERSONS TRAVELING IN UKRAINE"

VUSO

Insurance object

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.

Insurance risks and limitations

Insured risks under the Contract are:
- illness of the Insured person during his/her trip(s);
- health disorder of the Insured person as a result of an accident during his/her trip(s);
- other events stipulated by the Insurance Program, in case of which insurance is provided.
Insurance coverage under the Contract shall be subject to the specifics of the insurance coverage (risk group) specified in the Contract and which is a circumstance essential for assessing the insurance risk when concluding the Contract. An event that has signs of an insured event is covered by the Contract provided that it occurs during a trip (trip) and the Insured's occupation corresponds to the risk group specified in the Contract.
Persons with a place of registration, permanent residence (stay) in the Russian Federation or the Republic of Belarus shall not be eligible for insurance. The Contract shall not be valid on the territory of the Russian Federation and the Republic of Belarus.

Insured amount

Medical expenses: 30,000 c. u.
Emergency dental care - 150 c. u.

Limits of liability of the insurer for a single insured event

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.

Minimum and maximum insurance payment/tariff amounts.

Insurance tariff under the Contract shall be calculated for each Insured person based on the Insurer's calculation on the basis of information essential for the assessment of insurance risk provided by the client (Insured) when concluding the Insurance Contract.
Insurance payment is defined as the product of the insured amount and the insurance tariff under the Agreement and is set in the currency of Ukraine (UAH). The amount of Insurance is specified in the Contract.

Franchise

is not applied

Area of coverage

The Agreement is valid throughout the world.
In any case, the Contract is not valid:
- the country of permanent residence of the Insured person;
- in the territory where, at the moment of commencement of the Insurance Contract, military actions or events that may pose a threat to human life and health are taking place

Validity period

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.

Consumer consequences in case of failure to fulfill the obligations specified in the insurance 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.

Is this product available separately, without related and/or additional services?

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

Discounts and special offers

No special offers or discounts

A list of information that is essential for assessing the insurance risk and/or information about other circumstances taken into account when determining of the insurance premium amount

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.

Procedure and terms of insurance payment

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.

Procedure in case of an event with signs of an insured event

The Insured is obliged to:
- Immediately (before applying to a medical institution, and in case of expenses other than medical expenses - before incurring such expenses) notify the Insurer (Assistance Company) by the contacts specified in the Contract and/or Memo, which is an integral part of the Contract and inform about the nature and circumstances of the event, provide information that allows to identify the Insured person, follow the instructions and recommendations received and recommendations of the Insurer (Assistance Company). If the health condition of the Insured person does not allow him/her to notify the Insurer independently, any other persons who have complete and reliable information about the health condition of the Insured person, circumstances of the event, and information to identify the Insured person may apply on behalf of the Insured person. In case of impossibility to contact the Insurer (Assistance company) for valid reasons (for example, due to (by the Contract) before receiving medical services or incurring other expenses, the Insured shall notify the Insurer (Assistance Company) of the circumstances of the Insured Event, but not later than within two (2) days from the moment these reasons cease to apply.

Exceptions to insured events and reasons for refusal of insurance payment

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: Product information document "Mandrivnyk"

Insurance object

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.

Insurance risks and limitations

Insured risks under the Contract are:
- illness of the Insured person during his/her trip(s);
- health disorder of the Insured person as a result of an accident during his/her trip(s);
- other event stipulated by the Insurance Program, in case of occurrence of which insurance is provided.
The list and types of expenses covered under the Agreement depend on the Insurance Program. The contents of the Insurance Programs are detailed in Appendix No. 1 to the Agreement, and a specific Insurance Program for a specific Insured Person is determined by the Agreement.
Insurance coverage under the Agreement shall be subject to the specifics of the insurance coverage (risk group) specified in the Agreement and shall be a circumstance that is essential for assessing the insurance risk when concluding the Agreement. An event that has signs of an insured event shall be covered by the Contract provided that it occurs during a trip the Insured's occupation corresponds to the risk group specified in the Contract.
Persons with a place of registration, permanent residence (stay) in the Russian Federation or the Republic of Belarus are not eligible for insurance. The contract is not valid on the territory of the Russian Federation and the Republic of Belarus.

Insured amount

Medical expenses:
Min. - 30,000 c. u.

Max. - 50,000 c. u.
Emergency dental care: 150 c. u.
Loss or damage to luggage: 100 c. u.
Flight delay or cancellation: 50 c. u.

Limits of liability of the insurer for a single insured event

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.

Minimum and maximum insurance payment/tariff amounts.

Insurance tariff under the Contract shall be calculated for each Insured person based on the Insurer's calculation on the basis of information essential for the assessment of insurance risk provided by the client (Insured) when concluding the Insurance Contract.
Insurance payment is defined as the product of the insured amount and the insurance tariff under the Agreement and is set in the currency of Ukraine (UAH). The amount of Insurance is specified in the Contract.

Franchise

is not applied

Area of coverage

The territory of the Agreement shall be determined by the terms of the Agreement, namely the country (place, zone, territory) of the temporary stay of the Insured person during his/her trip(s). During the term of Insurance Contract the Insured may visit several countries within the territory of the Contract according to the route of travel (trip), and the Insurance Contract shall be valid in each of these countries. In any case, the Contract shall not apply:
- the country of permanent residence of the Insured person;
- in the territory where, at the moment of commencement of the Insurance Contract military actions or events may pose a threat to the life and health of people.

Validity period

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.

Consumer consequences in case of failure to fulfill the obligations specified in the insurance 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.

Is this product available separately, without related and/or additional services?

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

Discounts and special offers

Cashback is available. The offer validity period, payment terms, and cashback amount are indicated in the PUMB app personal account, in the Benefits section.

A list of information that is essential for assessing the insurance risk and/or information about other circumstances taken into account when determining of the insurance premium amount

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.

Procedure and terms of insurance payment

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.

Procedure in case of an event with signs of an insured event

The Insured is obliged to:
- Immediately (before applying to a medical facility, and in case of expenses other than medical expenses - before incurring such expenses) notify the Insurer (Assistance Company) by the contacts specified in the Contract and/or Memo, which is an integral part of the Contract, and inform about the nature and circumstances of the event, provide information that allows identification of the Insured person, follow the instructions and recommendations of the Insurer (Assistance Company).
If the health condition of the Insured person does not allow him/her to notify the Insurer independently, any other persons who have complete and reliable information about the health condition of the Insured person, circumstances of the event, and information to identify the Insured person may apply on behalf of the Insured person. If the Insured is unable to contact the Insurer (Assistance Company) for valid reasons (by the Contract) before receiving medical services or incurring other expenses, he/she shall notify the Insurer (Assistance Company) of the circumstances of the Insured Event, but not later than within two (2) days from the moment when such reasons cease to apply.
In case the Insured person has paid for the services indemnified under the Insurance Contract for objective reasons beyond his/her control, the Insurer shall indemnify the expenses incurred by the Insured person after submitting to the Insurer the necessary documents specified in the Contract. The Insured shall not be released from the obligation to notify the Insurer (Assistance Company) and agree with it on the procedure for further receipt of services, even if the Insured person pays for the services indemnified by the terms of the Contract and the Insurance Program.
In case of occurrence of the insured event under baggage insurance (if the respective option is provided for in the Contract), the Insured shall additionally be obliged to: immediately and timely notify the competent authorities (LostandFound or other service, carrier representative, police, etc.) of the insured event; leave the baggage until the issue of its inspection by the representative of the competent service is agreed upon in the form it was in after the insured event, except for safety requirements and measures to reduce the amount of loss.
At the Insurer's (Assistance Company's) request and/or if the circumstances of the event so require, apply to the competent authorities of the country of travel (trip) or other authorized bodies to record the fact and circumstances of the Insured Event.
Provide documents confirming the facts and circumstances of the Insured Event and the amount of damage (loss) caused as provided for in the Contract.
Take measures to reduce possible financial losses, and keep documents confirming financial expenses incurred in connection with their occurrence. To comply with other instructions and requirements of the Insurer (the Assistance Company) regarding the procedure for actions in case of events that have signs of an insured event.

Exceptions to insured events and reasons for refusal of insurance payment

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: Product information document "Paspartu"

Insurance object

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.

Insurance risks and limitations

Insured risks under the Contract are:
- illness of the Insured person during his/her trip(s);
- health disorder of the Insured person as a result of an accident during his/her trip(s);
- other event stipulated by the Insurance Program, in case of occurrence of which insurance is provided.
The list and types of expenses covered under the Agreement depend on the Insurance Program. The contents of the Insurance Programs are detailed in Appendix No. 1 to the Agreement, and a specific Insurance Program for a specific Insured Person is determined by the Agreement.
Insurance coverage under the Agreement shall be subject to the specifics of the insurance coverage (risk group) specified in the Agreement and shall be a circumstance that is essential for assessing the insurance risk when concluding the Agreement. An event that has signs of an insured event shall be covered by the Contract provided that it occurs during a trip the Insured's occupation corresponds to the risk group specified in the Contract.
Persons with a place of registration, permanent residence (stay) in the Russian Federation or the Republic of Belarus are not eligible for insurance. The contract is not valid on the territory of the Russian Federation and the Republic of Belarus.

Insured amount

Medical expenses:
Min. - 30,000 c. u.

Max. - 50,000 c. u.
Emergency dental care: 150 c. u.
Loss or damage to luggage: 100 c. u.
Flight delay or cancellation: 50 c. u.
Restoration of lost documents: 100 c.u.
Legal assistance: 500 c.u.

Limits of liability of the insurer for a single insured event

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.

Minimum and maximum insurance payment/tariff amounts.

Insurance tariff under the Contract shall be calculated for each Insured person based on the Insurer's calculation on the basis of information essential for the assessment of insurance risk provided by the client (Insured) when concluding the Insurance Contract.
Insurance payment is defined as the product of the insured amount and the insurance tariff under the Agreement and is set in the currency of Ukraine (UAH). The amount of Insurance is specified in the Contract.

Franchise

is not applied

Area of coverage

The territory of the Agreement shall be determined by the terms of the Agreement, namely the country (place, zone, territory) of the temporary stay of the Insured person during his/her trip(s). During the term of Insurance Contract the Insured may visit several countries within the territory of the Contract according to the route of travel (trip), and the Insurance Contract shall be valid in each of these countries. In any case, the Contract shall not apply:
- the country of permanent residence of the Insured person;
- in the territory where, at the moment of commencement of the Insurance Contract military actions or events may pose a threat to the life and health of people.

Validity period

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.

Consumer consequences in case of failure to fulfill the obligations specified in the insurance 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.

Is this product available separately, without related and/or additional services?

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

Discounts and special offers

Cashback is available. The offer validity period, payment terms, and cashback amount are indicated in the PUMB app personal account, in the Benefits section.

A list of information that is essential for assessing the insurance risk and/or information about other circumstances taken into account when determining of the insurance premium amount

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.

Procedure and terms of insurance payment

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.

Procedure in case of an event with signs of an insured event

The Insured is obliged to:
- Immediately (before applying to a medical facility, and in case of expenses other than medical expenses - before incurring such expenses) notify the Insurer (Assistance Company) by the contacts specified in the Contract and/or Memo, which is an integral part of the Contract, and inform about the nature and circumstances of the event, provide information that allows identification of the Insured person, follow the instructions and recommendations of the Insurer (Assistance Company).
If the health condition of the Insured person does not allow him/her to notify the Insurer independently, any other persons who have complete and reliable information about the health condition of the Insured person, circumstances of the event, and information to identify the Insured person may apply on behalf of the Insured person. If the Insured is unable to contact the Insurer (Assistance Company) for valid reasons (by the Contract) before receiving medical services or incurring other expenses, he/she shall notify the Insurer (Assistance Company) of the circumstances of the Insured Event, but not later than within two (2) days from the moment when such reasons cease to apply.
In case the Insured person has paid for the services indemnified under the Insurance Contract for objective reasons beyond his/her control, the Insurer shall indemnify the expenses incurred by the Insured person after submitting to the Insurer the necessary documents specified in the Contract. The Insured shall not be released from the obligation to notify the Insurer (Assistance Company) and agree with it on the procedure for further receipt of services, even if the Insured person pays for the services indemnified by the terms of the Contract and the Insurance Program.
In case of occurrence of the insured event under baggage insurance (if the respective option is provided for in the Contract), the Insured shall additionally be obliged to: immediately and timely notify the competent authorities (LostandFound or other service, carrier representative, police, etc.) of the insured event; leave the baggage until the issue of its inspection by the representative of the competent service is agreed upon in the form it was in after the insured event, except for safety requirements and measures to reduce the amount of loss.
At the Insurer's (Assistance Company's) request and/or if the circumstances of the event so require, apply to the competent authorities of the country of travel (trip) or other authorized bodies to record the fact and circumstances of the Insured Event.
Provide documents confirming the facts and circumstances of the Insured Event and the amount of damage (loss) caused as provided for in the Contract.
Take measures to reduce possible financial losses, and keep documents confirming financial expenses incurred in connection with their occurrence. To comply with other instructions and requirements of the Insurer (the Assistance Company) regarding the procedure for actions in case of events that have signs of an insured event.

Exceptions to insured events and reasons for refusal of insurance payment

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: Product information document "Paspartu"

PZU

Insurance object

The object of insurance is:
- life, health, working capacity of the Insured Person;
- possible losses or expenses of the Insured Person or another person specified in the Insurance Contract;
- liability of the Insured Person for damage caused by him to a third party or his property.

Insurance risks and limitations

Insurance of expenses related to the provision of assistance (assistance) to the Insured persons who got into a difficult situation during the trip (under insurance class 18), hereinafter referred to as the "Assistance" option:
- acute illness that occurred during the trip (trip);
- exacerbation of a chronic illness that occurred during the trip (trip);
- health disorder as a result of an accident that occurred during the trip (trip);
- occurrence of COVID-19 disease in the Insured person during the trip (trip);
- repatriation (medical evacuation) of the Insured person from abroad in connection with the event mentioned above;
- repatriation of the Insured person's body from abroad;
- expenses of the Insured person related to telephone notification of the Assistance Company about the insured event.
Accident insurance (including in case of occupational injury and occupational disease) (under insurance class 1), hereinafter referred to as the "Accident" option:
- death of the Insured due to an accident occurring during the trip(s);
- determination of disability of the Insured person of the first group as a result of an accident that occurred during the trip (travel);
- determination of disability of the Insured person of Group II as a result of an accident that occurred during the trip (travel);
- determination of disability of the Insured person of group III as a result of an accident that occurred during the trip (travel);
- determination of the status of "Child with a disability" to the Insured person;
- traumatic injury and functional damage to the Insured person as a result of an accident that occurred during the trip (trip).
Insurance of other liability (except for those specified in classes 10, 11, 12) (under insurance class 13), hereinafter referred to as the option "Third Party Liability":
- unintentional damage to the injured third party and/or their property caused by the Insured during the trip (trip), resulting in civil liability of such Insured.
Insurance of other financial risks (except for those defined in classes 14, 15) (under insurance class 16), hereinafter referred to as the option ‘Financial risk’: financial losses and/or expenses (including possible losses and/or expenses) related to impossibility of travel (trip)/ impossibility of continuation of travel (trip)/necessity of early termination of travel (trip) or its unplanned continuation by the Insured person, namely:
- expenses of the Insured person for a visa in case of refusal to issue it.

The Insurance Contract shall specify the list of services of a certain scope (Insurance Program) agreed between the Insurer and the Insured, which shall be provided to the Insured upon the occurrence of an Insured Event and indemnified by the Insurer.

Insurance limitations
They are not eligible for insurance (unless otherwise specified in the Insurance Contract):
- persons traveling abroad for diagnostics, treatment, and/or rehabilitation;
- persons who are undergoing treatment of neoplasms of the zero stage (in situ) at the time of concluding the contract;
- persons with any neoplasms of the brain or spinal cord, spine;
- persons with diabetes mellitus;
- persons who, at the time of concluding the contract, have any form of cardiovascular disease accompanied by chronic cardiovascular insufficiency (regardless of functional class);
- persons who have a history of acute cerebrovascular accident (stroke), cerebral infarction, myocardial infarction, liver cirrhosis, cholelithiasis, urolithiasis, heart and vascular surgery, chronic obstructive pulmonary disease, malignant neoplasm, including oncological diseases of blood and hematopoietic organs;
- persons who, at the time of agreeing, have chronic renal failure, chronic liver failure, tuberculosis, bronchial asthma;
- persons with congenital malformations and deformities, chromosomal disorders.
The age of the Insured shall not be less than 18 years.
The Insured may be an individual aged (as of the date of commencement of the Insurance Contract) from 0 to 89 years (inclusive).
If the age of the Insured Person is ≥ 75 years, the Agreement may be concluded only subject to the following conditions:
- territory of validity - Zone I;
- limit of stay abroad ≤ 31 days.
The maximum possible number of Insured Persons under one Contract is 1,000 people.
Coverage is provided for accidents that occur during:
- sports, provided that the corresponding value of the sports class is indicated in the Insurance Contract;
- performance of work provided that there is a corresponding mark in the Contract.

Insured amount

Medical expenses:
30,000 c.u.
Liability to third parties:
- if the limit of days spent abroad ≤ 30 days - 10,000 c.u.
- if the limit of days spent abroad ≥ 31 days - 10,000 EUR/USD or 30,000 EUR/USD.
Accident:
30,000 UAH.
Financial risk: 40 с.u.

Limits of liability of the insurer for a single insured event

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.

Minimum and maximum insurance payment/tariff amounts.

The minimum* payment for the minimum possible limit of stay abroad, UAH is 137.
Maximum payment for the maximum possible limit of stay abroad (366 days), UAH - 38,574.

* The value is relevant for:
- the limit of stay abroad is 3 days.
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 presence or absence of a deductible;
- the territory of the Contract;
- the number of Insured Persons, their age and location at the time of conclusion of the Contract;
- the conditions of coverage of cases that occur during sports, as a result of terrorist acts;
- the right to use the regular customer discount.

Franchise

is not applied

Area of coverage

The insurance contract is valid outside Ukraine and the country of permanent residence of the Insured Person.
Territory of validity of the insurance contract (options):
- Zone I - for Economy, Standard programs.
- Zone II - for Economy, Standard programs.
- Zone III - for Economy, Standard programs.
The territory of the "Zone I" includes:
- All countries of geographical Europe (including the Schengen area): Albania, Andorra, Austria, Belgium, Bulgaria, Bosnia and Herzegovina, Vatican City, and the Vatican,
Great Britain (including Gibraltar), Denmark (including the Faroe Islands, excluding Spitsbergen and Greenland), Estonia, Greece, Ireland, Iceland, and the United Kingdom,
Spain (including the Canary Islands, Melilla, Ceuta, the Sovereign Territories of Spain), Italy, Latvia, Lithuania, Liechtenstein, Luxembourg, Malta, Moldova (excluding Transnistria), Monaco, the Netherlands, Germany, Norway, North Macedonia, Poland, Portugal (including the territory of Madeira). including Madeira Island), Romania, San Marino, Serbia (excluding Kosovo), Slovakia, Slovenia, Spain, Sweden, Switzerland, Finland, France, Croatia, Montenegro, Hungary, Switzerland, and the Czech Republic.
IMPORTANT! Any overseas territories of European countries (for example, islands in the Pacific and Indian Oceans that belong to or are under the sovereignty of Great Britain, France, and other countries) are not included in this territory. To cover such territories, you should select ‘Zone II’.
- Algeria, Egypt, Cyprus (excluding Northern Cyprus), Morocco, Tunisia, Turkey, Georgia (excluding South Ossetia and Abkhazia);
- CIS countries: Armenia, Azerbaijan, Kazakhstan, Kyrgyzstan, Tajikistan, Uzbekistan, Turkmenistan.
Zone II covers all countries of the world except the United States, Canada, Israel, Thailand, Indonesia, Sri Lanka, Nepal.
Zone III covers all countries of the world.
In any case, the Treaty does not apply to territories officially declared as zones of hostilities, military conflicts (wars), zones subject to UN, European Union, United States sanctions, and in any case to the following territories and regions:
- Republic of Belarus, Russian Federation;
- Antarctica, Greenland, Kosovo, Northern Cyprus, South Ossetia, Abkhazia, Transnistria, Nagorno-Karabakh;
- Afghanistan, Democratic Republic of Congo, Djibouti, Eritrea, Yemen, Iraq, Iran, Cameroon, Democratic People's Republic of Korea, Côte d'Ivoire (Ivory Coast), Liberia, Lebanon, Libya, Nigeria, South Sudan, Syria, Somalia, Sudan, Sierra Leone;
- territories where hostilities, military actions, military conflicts are taking place, regardless of the official recognition of war according to the norms of law;
- areas where a state of emergency or threat of natural disaster has been officially declared.
The territory of coverage for the service ‘ Reimbursement of expenses for a visa in case of refusal to issue it’ is Ukraine.

Validity period

Term of the Insurance Contract
- The term of the Contract is the time during which the parties may exercise their rights and fulfill their obligations in accordance with the Insurance Contract.
- The insurance period is the period of time determined within the term of the Insurance Contract when the insurance coverage (insurance protection) may be effective.
- The limit of stay abroad is the number of days within the Insurance Period during which the Insurer may organize and finance the provision of assistance provided for by the Contract.
- The start date of the insurance period cannot be set later than 90 days from the date of conclusion of the Contract.
- The maximum term of the Contract is 1 year.
Insurance coverage period
Insurance protection under the Contract, taking into account the location of the insured persons, begins its effect:
- from the date specified in the Contract as the date of the beginning of the Insurance Period, but not earlier than the moment the Insured Person crosses the state border of Ukraine, if the field "Location of the Insured Persons" of the Contract indicates "in Ukraine";
- from the third day after the date of conclusion of the Contract or from the date specified in the Contract as the date of the beginning of the Insurance Period, if such date occurs later than the third day from the date of conclusion of the Contract, if the field "Location of the Insured Persons" of the Contract indicates "outside Ukraine".
Insurance protection under the service "Visa reimbursement in case of refusal" begins its effect from the date of conclusion of the Insurance Contract.
Limit on the number of days spent abroad
Minimum value:
1 day – Standard insurance program;
3 days – Economy insurance programs.
Maximum value:
1 year (365 days or 366 days (only for leap years)) – for all insurance programs.
There is no restriction on the number of trips outside Ukraine.
The Agreement comes into force from the date of its conclusion, provided that the insurance premium is received in full into the Insurer's current account in the amount specified in the Insurance Agreement.

Consumer consequences in case of failure to fulfill the obligations specified in the insurance contract

The Insurer has the right to decide to refuse to pay insurance compensation in the event of untimely notification by the Insured/Insured Person/Beneficiary of the occurrence of an event that has the characteristics of an insured event, without good reason or failure to fulfill other obligations specified in the insurance contract, if this has led to the Insurer's inability to establish the fact, causes and circumstances of the occurrence of an event that has the characteristics of an insured event, or the amount of damage (losses).
The Insurance Contract shall be terminated and the Insurance Contract shall become invalid by agreement of the parties in the event of the Insured's failure to pay the next (except for the first) part of the insurance premium in full within the period established by the contract (in the case of payment of the insurance premium in installments). In this case, the Insurance Contract shall be considered terminated early, starting from the day following the date specified in the Insurance Contract as the final date for payment of the next part of the insurance premium, unless otherwise agreed in writing between the Parties to the Insurance Contract.

Is this product available separately, without related and/or additional services?

This product is not offered together with any related and/or additional non-insurance product, work or service as part of a single package or contract.

Discounts and special offers

Cashback is available. The offer validity period, payment terms, and cashback amount are indicated in the PUMB app personal account, in the Benefits section.

Procedure and terms of insurance payment

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.

Procedure in case of an event with signs of an insured event

In case of occurrence of an event that may be further qualified by the Insurer as an Insured Event, the Insured shall immediately, before seeking medical or other assistance, contact the Assistance Company by the means of communication specified in the Contract and provide the following information: Insurance Contract number; surname and name of the Insured; location of the Insured (country, city, contact telephone number); detailed description of circumstances and nature of assistance required.
The Insured's authorized representative, a relative or employee of the Insured, or a doctor of a healthcare facility may notify the Assistance Company of the information specified above.
After the Insured person notifies the Assistance Company of the event, the Assistance Company shall arrange, depending on the nature of the event, for the provision of medical care, medical services, including the provision of medicines and/or medical devices, and/or other services (assistance) of a certain list and quality to such Insured person in the amount stipulated by the Insurance Contract.
Upon notification of the Assistance Company by the Insured, the Insured shall be obliged to follow all recommendations of the Assistance Company regarding his/her further actions.
If the Insured is unable to contact the Assistance Company for valid reasons (serious health condition of the Insured) to provide the services stipulated by the Contract, he/she shall, within 24 (twenty-four) hours from the moment of occurrence of the event having signs of an insured event, notify the Assistance Company of its occurrence and agree on provision and payment for the required service.
If the Insured fails to notify the Assistance Company of the occurrence of such event within 24 (twenty-four) hours from the date of occurrence of an event having signs of an Insured Event without having valid reasons, the Insurer shall be entitled to pay for treatment in the amount not exceeding: for outpatient treatment - 200 (two hundred) EUR / USD; for inpatient treatment - 500 (five hundred) EUR / USD, subject to documentary justification and confirmation of expenses.
The currency of the Insurer's obligations under the Contract shall be determined by the relevant Insurance Contract.
If the Insured has an Insurance contract for multiple trips with a limit of stay abroad less than the term of the Contract, he/she is obliged to provide the Assistance Company with documents (by e-mail or mobile phone) confirming the period of stay abroad (pages of the passport with border crossing stamps) as soon as possible, starting from the date specified in the Insurance contract as the date of commencement of the Contract.
Upon receipt of the decision of the consular department to refuse to grant a visa, the Insured shall apply to the Insurer with a written application for the occurrence of an event having signs of an insured event and for insurance payment within 30 (thirty) calendar days from the date of receipt of the decision of the consular department by the Insured.

Exceptions to insured events and reasons for refusal of insurance payment

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:
Product information document "Comprehensive insurance for travelers abroad"

Insurance object

The object of insurance is:
- life, health, working capacity of the Insured Person;
- possible losses or expenses of the Insured Person or another person specified in the Insurance Contract;
- liability of the Insured Person for damage caused by him to a third party or his property.

Insurance risks and limitations

Insurance of expenses related to the provision of assistance (assistance) to the Insured persons who got into a difficult situation during the trip (under insurance class 18), hereinafter referred to as the "Assistance" option:
- acute illness that occurred during the trip (trip);
- exacerbation of a chronic illness that occurred during the trip (trip);
- health disorder as a result of an accident that occurred during the trip (trip);
- occurrence of COVID-19 disease in the Insured person during the trip (trip);
- repatriation (medical evacuation) of the Insured person from abroad in connection with the event mentioned above;
- repatriation of the Insured person's body from abroad;
- expenses of the Insured person related to telephone notification of the Assistance Company about the insured event;
- expenses of the Insured Person for the purchase of essential items (personal hygiene items, medicines for acute pain relief, food (except alcoholic beverages)) and necessary clothing, related to the loss of baggage transported by air (including its delay for more than 4 hours);
- expenses of the Insured Person related to the loss or theft of documents.
Accident insurance (including in case of occupational injury and occupational disease) (under insurance class 1), hereinafter referred to as the "Accident" option:
- death of the Insured due to an accident occurring during the trip(s);
- determination of disability of the Insured person of the first group as a result of an accident that occurred during the trip (travel);
- determination of disability of the Insured person of Group II as a result of an accident that occurred during the trip (travel);
- determination of disability of the Insured person of group III as a result of an accident that occurred during the trip (travel);
- determination of the status of "Child with a disability" to the Insured person;
- traumatic injury and functional damage to the Insured person as a result of an accident that occurred during the trip (trip).
Insurance of other liability (except for those specified in classes 10, 11, 12) (under insurance class 13), hereinafter referred to as the option "Third Party Liability":
- unintentional damage to the injured third party and/or their property caused by the Insured during the trip (trip), resulting in civil liability of such Insured.
Insurance of other financial risks (except for those defined in classes 14, 15) (under insurance class 16), hereinafter referred to as the option ‘Financial risk’: financial losses and/or expenses (including possible losses and/or expenses) related to impossibility of travel (trip)/ impossibility of continuation of travel (trip)/necessity of early termination of travel (trip) or its unplanned continuation by the Insured person, namely:
- expenses of the Insured person for a visa in case of refusal to issue it;
- expenses related to the early return of the Insured Person from abroad in connection with the death of his/her close relatives;
- expenses for the evacuation of children under 16 years of age who were left without adult supervision.

The Insurance Contract shall specify the list of services of a certain scope (Insurance Program) agreed between the Insurer and the Insured, which shall be provided to the Insured upon the occurrence of an Insured Event and indemnified by the Insurer.

Insurance limitations
They are not eligible for insurance (unless otherwise specified in the Insurance Contract):
- persons traveling abroad for diagnostics, treatment, and/or rehabilitation;
- persons who are undergoing treatment of neoplasms of the zero stage (in situ) at the time of concluding the contract;
- persons with any neoplasms of the brain or spinal cord, spine;
- persons with diabetes mellitus;
- persons who, at the time of concluding the contract, have any form of cardiovascular disease accompanied by chronic cardiovascular insufficiency (regardless of functional class);
- persons who have a history of acute cerebrovascular accident (stroke), cerebral infarction, myocardial infarction, liver cirrhosis, cholelithiasis, urolithiasis, heart and vascular surgery, chronic obstructive pulmonary disease, malignant neoplasm, including oncological diseases of blood and hematopoietic organs;
- persons who, at the time of agreeing, have chronic renal failure, chronic liver failure, tuberculosis, bronchial asthma;
- persons with congenital malformations and deformities, chromosomal disorders.
The age of the Insured shall not be less than 18 years.
The Insured may be an individual aged (as of the date of commencement of the Insurance Contract) from 0 to 89 years (inclusive).
If the age of the Insured Person is ≥ 75 years, the Agreement may be concluded only subject to the following conditions:
- territory of validity - Zone I;
- limit of stay abroad ≤ 31 days.
The maximum possible number of Insured Persons under one Contract is 1,000 people.
Coverage is provided for accidents that occur during:
- sports, provided that the corresponding value of the sports class is indicated in the Insurance Contract;
- performance of work provided that there is a corresponding mark in the Contract.

Insured amount

Medical expenses:
min. 30,000 c.u., max. 50,000 c.u.
Emergency dental care: 200 c.u.
Liability to third parties:
- if the limit of days spent abroad ≤ 30 days - 10,000 c.u.
- if the limit of days spent abroad ≥ 31 days - 10,000 EUR/USD or 30,000 EUR/USD.
Accident:
30,000 UAH.
Financial risk: 440 с.u.
Loss/Theft of Documents: 50 c.u.
Loss/Delay of Baggage: 50 c.u.

Limits of liability of the insurer for a single insured event

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.

Minimum and maximum insurance payment/tariff amounts.

The minimum* payment for the minimum possible limit of stay abroad, UAH is 106.
Maximum payment for the maximum possible limit of stay abroad (366 days), UAH - 39,406.

* The value is relevant for:
- the limit of stay abroad is 1 day.
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 presence or absence of a deductible;
- the territory of the Contract;
- the number of Insured Persons, their age and location at the time of conclusion of the Contract;
- the conditions of coverage of cases that occur during sports, as a result of terrorist acts;
- the right to use the regular customer discount.

Franchise

is not applied

Area of coverage

The insurance contract is valid outside Ukraine and the country of permanent residence of the Insured Person.
Territory of validity of the insurance contract (options):
- Zone I - for Economy, Standard programs.
- Zone II - for Economy, Standard programs.
- Zone III - for Economy, Standard programs.
The territory of the "Zone I" includes:
- All countries of geographical Europe (including the Schengen area): Albania, Andorra, Austria, Belgium, Bulgaria, Bosnia and Herzegovina, Vatican City, and the Vatican,
Great Britain (including Gibraltar), Denmark (including the Faroe Islands, excluding Spitsbergen and Greenland), Estonia, Greece, Ireland, Iceland, and the United Kingdom,
Spain (including the Canary Islands, Melilla, Ceuta, the Sovereign Territories of Spain), Italy, Latvia, Lithuania, Liechtenstein, Luxembourg, Malta, Moldova (excluding Transnistria), Monaco, the Netherlands, Germany, Norway, North Macedonia, Poland, Portugal (including the territory of Madeira). including Madeira Island), Romania, San Marino, Serbia (excluding Kosovo), Slovakia, Slovenia, Spain, Sweden, Switzerland, Finland, France, Croatia, Montenegro, Hungary, Switzerland, and the Czech Republic.
IMPORTANT! Any overseas territories of European countries (for example, islands in the Pacific and Indian Oceans that belong to or are under the sovereignty of Great Britain, France, and other countries) are not included in this territory. To cover such territories, you should select ‘Zone II’.
- Algeria, Egypt, Cyprus (excluding Northern Cyprus), Morocco, Tunisia, Turkey, Georgia (excluding South Ossetia and Abkhazia);
- CIS countries: Armenia, Azerbaijan, Kazakhstan, Kyrgyzstan, Tajikistan, Uzbekistan, Turkmenistan.
Zone II covers all countries of the world except the United States, Canada, Israel, Thailand, Indonesia, Sri Lanka, Nepal.
Zone III covers all countries of the world.
In any case, the Treaty does not apply to territories officially declared as zones of hostilities, military conflicts (wars), zones subject to UN, European Union, United States sanctions, and in any case to the following territories and regions:
- Republic of Belarus, Russian Federation;
- Antarctica, Greenland, Kosovo, Northern Cyprus, South Ossetia, Abkhazia, Transnistria, Nagorno-Karabakh;
- Afghanistan, Democratic Republic of Congo, Djibouti, Eritrea, Yemen, Iraq, Iran, Cameroon, Democratic People's Republic of Korea, Côte d'Ivoire (Ivory Coast), Liberia, Lebanon, Libya, Nigeria, South Sudan, Syria, Somalia, Sudan, Sierra Leone;
- territories where hostilities, military actions, military conflicts are taking place, regardless of the official recognition of war according to the norms of law;
- areas where a state of emergency or threat of natural disaster has been officially declared.
The territory of coverage for the service ‘ Reimbursement of expenses for a visa in case of refusal to issue it’ is Ukraine.

Validity period

Term of the Insurance Contract
- The term of the Contract is the time during which the parties may exercise their rights and fulfill their obligations in accordance with the Insurance Contract.
- The insurance period is the period of time determined within the term of the Insurance Contract when the insurance coverage (insurance protection) may be effective.
- The limit of stay abroad is the number of days within the Insurance Period during which the Insurer may organize and finance the provision of assistance provided for by the Contract.
- The start date of the insurance period cannot be set later than 90 days from the date of conclusion of the Contract.
- The maximum term of the Contract is 1 year.
Insurance coverage period
Insurance protection under the Contract, taking into account the location of the insured persons, begins its effect:
- from the date specified in the Contract as the date of the beginning of the Insurance Period, but not earlier than the moment the Insured Person crosses the state border of Ukraine, if the field "Location of the Insured Persons" of the Contract indicates "in Ukraine";
- from the third day after the date of conclusion of the Contract or from the date specified in the Contract as the date of the beginning of the Insurance Period, if such date occurs later than the third day from the date of conclusion of the Contract, if the field "Location of the Insured Persons" of the Contract indicates "outside Ukraine".
Insurance protection under the service "Visa reimbursement in case of refusal" begins its effect from the date of conclusion of the Insurance Contract.
Limit on the number of days spent abroad
Minimum value:
1 day – Standard insurance program;
3 days – Economy insurance programs.
Maximum value:
1 year (365 days or 366 days (only for leap years)) – for all insurance programs.
There is no restriction on the number of trips outside Ukraine.
The Agreement comes into force from the date of its conclusion, provided that the insurance premium is received in full into the Insurer's current account in the amount specified in the Insurance Agreement.

Consumer consequences in case of failure to fulfill the obligations specified in the insurance contract

The Insurer has the right to decide to refuse to pay insurance compensation in the event of untimely notification by the Insured/Insured Person/Beneficiary of the occurrence of an event that has the characteristics of an insured event, without good reason or failure to fulfill other obligations specified in the insurance contract, if this has led to the Insurer's inability to establish the fact, causes and circumstances of the occurrence of an event that has the characteristics of an insured event, or the amount of damage (losses).
The Insurance Contract shall be terminated and the Insurance Contract shall become invalid by agreement of the parties in the event of the Insured's failure to pay the next (except for the first) part of the insurance premium in full within the period established by the contract (in the case of payment of the insurance premium in installments). In this case, the Insurance Contract shall be considered terminated early, starting from the day following the date specified in the Insurance Contract as the final date for payment of the next part of the insurance premium, unless otherwise agreed in writing between the Parties to the Insurance Contract.

Is this product available separately, without related and/or additional services?

This product is not offered together with any related and/or additional non-insurance product, work or service as part of a single package or contract.

Discounts and special offers

Cashback is available. The offer validity period, payment terms, and cashback amount are indicated in the PUMB app personal account, in the Benefits section.

Procedure and terms of insurance payment

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.

Procedure in case of an event with signs of an insured event

In case of occurrence of an event that may be further qualified by the Insurer as an Insured Event, the Insured shall immediately, before seeking medical or other assistance, contact the Assistance Company by the means of communication specified in the Contract and provide the following information: Insurance Contract number; surname and name of the Insured; location of the Insured (country, city, contact telephone number); detailed description of circumstances and nature of assistance required.
The Insured's authorized representative, a relative or employee of the Insured, or a doctor of a healthcare facility may notify the Assistance Company of the information specified above.
After the Insured person notifies the Assistance Company of the event, the Assistance Company shall arrange, depending on the nature of the event, for the provision of medical care, medical services, including the provision of medicines and/or medical devices, and/or other services (assistance) of a certain list and quality to such Insured person in the amount stipulated by the Insurance Contract.
Upon notification of the Assistance Company by the Insured, the Insured shall be obliged to follow all recommendations of the Assistance Company regarding his/her further actions.
If the Insured is unable to contact the Assistance Company for valid reasons (serious health condition of the Insured) to provide the services stipulated by the Contract, he/she shall, within 24 (twenty-four) hours from the moment of occurrence of the event having signs of an insured event, notify the Assistance Company of its occurrence and agree on provision and payment for the required service.
If the Insured fails to notify the Assistance Company of the occurrence of such event within 24 (twenty-four) hours from the date of occurrence of an event having signs of an Insured Event without having valid reasons, the Insurer shall be entitled to pay for treatment in the amount not exceeding: for outpatient treatment - 200 (two hundred) EUR / USD; for inpatient treatment - 500 (five hundred) EUR / USD, subject to documentary justification and confirmation of expenses.
The currency of the Insurer's obligations under the Contract shall be determined by the relevant Insurance Contract.
If the Insured has an Insurance contract for multiple trips with a limit of stay abroad less than the term of the Contract, he/she is obliged to provide the Assistance Company with documents (by e-mail or mobile phone) confirming the period of stay abroad (pages of the passport with border crossing stamps) as soon as possible, starting from the date specified in the Insurance contract as the date of commencement of the Contract.
Upon receipt of the decision of the consular department to refuse to grant a visa, the Insured shall apply to the Insurer with a written application for the occurrence of an event having signs of an insured event and for insurance payment within 30 (thirty) calendar days from the date of receipt of the decision of the consular department by the Insured.

Exceptions to insured events and reasons for refusal of insurance payment

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:
Product information document "Comprehensive insurance for travelers abroad"

Information to read before entering into an insurance contract

We answer your questions

This is a mandatory type of insurance for all those traveling abroad, as stipulated by the Law of Ukraine "On Tourism".
The policy ensures the organisation and payment for medical services in case of illness or accident.
It is also required when applying for a visa.
Foreign passport, identification code (TIN).
A single trip involves travelling abroad once for a specified period.
Multiple trips (multivisa) allow you to cross the border several times during the policy period.
The Schengen area includes Austria, Belgium, Denmark, Finland, France, Greece, Spain, Luxembourg, the Netherlands, Portugal, Sweden, Italy, Latvia, Lithuania, Malta, Poland, the Czech Republic, Slovakia, Slovenia, Hungary, Norway, Iceland and Switzerland.
30,000 USD/EUR is the minimum required insurance amount.
For traveling to the USA and Canada, we recommend choosing 50,000 USD/EUR. In most cases, this is a requirement of embassies to obtain a visa to these countries.
The currency of the insurance amount is determined depending on the country you choose.
A franchise is a part of the loss amount that is not reimbursed by the insurance company. In most cases, the deductible does not apply, but it may apply to certain services, see the description of each insurance company or insurance policy for more details, as the conditions may differ.
All insurance options include the most necessary service:
- emergency medical and dental care;
- medicines, medical transportation if necessary, repatriation.
See the description for each insurance company in more detail, as conditions may vary.
All policies already include coverage for COVID-19.
- treatment of injuries sustained in force majeure circumstances: during military conflicts, civil unrest, revolutions, or terrorist attacks, as well as during stay in countries not recommended by the Ministry of Internal Affairs of Ukraine
- treatment of diseases that occurred before the conclusion of the contract
- treatment of diseases and injuries that resulted from actions with unjustified risk to life and health, the performance of physical work for hire (if the insurance policy is not issued for this purpose), professional sports, or participation in competitions
- medical goods and medicines for health improvement and prevention: vaccines, vitamins, preventive examinations, sanatorium treatment, etc.
- treatment of injuries that the insured received under the influence of alcohol or drugs
- cosmetic and plastic surgeries
- dental services (except for emergency treatment)
- childbirth
You just need to contact the assistance company, which will search for the nearest hospital, arrange an appointment with a doctor, organize the delivery of medicines, etc. The number of the assistance company is indicated in the insurance policy.
The policyholder is the one who signs the contract. The Insured is the person who is going on the trip.
If you are signing the contract and you are going on a trip, use the "Copy data" button to avoid entering the data again.
According to the law of Ukraine, only an adult Insured may enter into the contract. At the same time, the age of the insured persons under the contract may be from 0 years.
An electronic policy and a blank (paper) policy have the same legal force and meet all the requirements of Ukrainian legislation.
You can print out the policy or simply save it on your phone.
If you need a policy with a "wet stamp", please contact our specialists.
Each electronic contract is signed with an electronic digital signature, which has the same legal force as a conventional signature. In some cases, a facsimile seal and signature are additionally used.
When applying for travel insurance for a child, you need to enter your personal data (of one of the parents or other adult persons accompanying the child) in the "policyholder" block and the child's data in the "insured No. 1" block, and then pay for the policy.
Contact the support of our bank and inform us about this, and we will correct your mistake and send you a policy with the correct data.
Check your card balance. Make sure that you do not have a limit on online purchases, or that the ability to make online payments is not disabled. You can do this through your bank's app or by checking with the bank's hotline. If there is nothing wrong with your card, but the problem is not resolved, write to our bank's chat immediately. We will be glad to help.

currency	purchase	sale
USD	43.00	43.60
EUR	50.70	51.40
GBP	57.50	58.90
PLN	11.880	12.180

currency	purchase	sale
USD	43.00	43.60
EUR	50.70	51.40
GBP	57.50	58.90
PLN	11.880	12.180