Insurance of persons against accidents
This Program anticipates a reliable coverage against unexpected material losses, caused by sudden injury to health as a result of an insured accident.
Advantages of the Program:
- The Program covers a full range of risks, including: death (as a result of an insured accident), permanent or partial disability caused by an insured accident (disability ascertainment of І - ІІІ group), temporary complete disability as a result of an insured accident; personal injuries, burns and other injury to health as a result of an insured accident.
- Possibility to pay for the insurance policy on time/by installment, without an increase of the tariff.
- Possibility to select the optimal insurance conditions.
- Possibility to select the very combination you are interested in from the offered package of insured risks.
- Selection of time, covered by an insurance, according to your wish: twenty-four-hour; only working time, including trips to work and from work (also business trips); only working time, except trips to work and from work; during studies at the educational institution (for children), etc.
- Insurance policy is valid all over the world.
- Insurance coverage can be extended to doing sports.
According to this Program we insure - life and health of inpiduals at the age from 1 to 69 years (hereinafter – an Insured persons).
Insured accident
According to the wish of an Insured person, the following can be considered as an Insured accident:
- death (decease) of an Insured person as a result of traffic accident;
- disability ascertainment of І - ІІІ group (including rise of disability group) of an Insured person caused by a traffic accident;
- lost time injury of an Insured person caused by a traffic accident;
- traumatic injury or other health disorder of an Insured person caused by a traffic accident.
A traffic accident means sudden, short-time, unexpected event which took place regardless of an Insured person’s will, which took place as a result of influence of various external factors (physical, chemical, technical, etc.) and resulted in temporal or permanent injury to health or death (decease) of an Insured person.
External factors may include: natural disasters, fire, explosion, lightning stroke, electric current, emergency, unlawful activity of third persons, attacks and bites of animals and adders, insects, casual ingress of foreign body into breathing passages, fall of any thing or an Insured person, stroke of foreign object, erroneous medical manipulations, use of transport vehicles, cars, machines, mechanisms, tools, weapon, etc. by an Insured person or third persons.
Injury to health means traumatic injury or health disorder (injury, stroke, wound, fractures, craniocerebral injury, tear of organs, ligaments, tendons, etc.), аs well as burn, drowning, frostbite, supercooling (except colds), heat stroke, sudden strangulation, sudden acute poisoning by noxious plants, chemical or toxic substances (industrial or household), medicines, etc.
The following are not the insured accidents: exacerbation, sudden illness, infectious diseases (except tetanus, rabies and other diseases, transmissible via bites of animals and insects), tick-borne encephalitis, bacterial food poisoning.
Sum Insured – is established on the basis of mutual agreement of the Parties.
Insurance cost
For example, annual insurance policy against death and disability of I-II-III groups, and sum insured amounting to UAH 10 000, will cost UAH 14 per every person.
The Insurance cost depends on:
- List of insured risks;
- Amount of sum insured;
- profession;
- timing;
- doing sports;
- age;
- number of insured persons.
Validity period of an insurance agreement constitutes from 15 days to 1 year.
Insurance territory of an insurance agreement – the whole world
Franchise – N/A.
Necessary documents to conclude an insurance agreement:
- internal (civil) passport, a copy of the Insured person’s tax payer certificate.
Insurance payout does not take place in case of:
- doing of act or an attempt to do an act by an Insured person, in relation to which law enforcement agencies have determine components of crime;
- driving a car by a person, who is in condition of alcohol, narcotic or toxic inebriation, as well as it transfer to drive to a person, who is in condition of alcohol, narcotic or toxic inebriation, or to a person, who does not have a license of relevant category;
- narcotic or toxic substances poisoning, as well as alcohol or other substances, used with intoxication purpose, except cases, when application of said substances by an Insured person was a result of unlawful actions of third persons;
- self-treatment or other medical intervention, performed by an Insured person or other persons by his/her order (without doctor’s order);
- deliberate bodily injury, caused by an Insured person, suicide, attempted suicide or their consequences;
- non-observance of safety rules and regulations (industrial sanitation);
- in other cases anticipated by the agreement.
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