Travel Insurance Program
Thanks to the Travel Insurance Program of the Allianz company you can protect yourself from various risks visiting any country of the world.
Travel Insurance is a complex of programs, which allows to make yourself safe against money contingencies during foreign trips.
Insurance policy of the Allianz company will guarantee you a reliable protection against wide range of risks, from medical expenses to civil liability and lost baggage.
On occurrence of insured accident, the Allianz company will provide you with help and assistance.
Advantages of the Program:
- Insurance coverage of the Allianz company is functioning all over the world.
- In addition to medical and medical-transport expenses during a foreign trip, Program anticipates lost baggage, civil liability, rendering of legal and technical assistance services, аs well as accident insurance.
- Sum insured of the policy can constitute from USD (EUR) 10 000 up to USD (EUR) 75 000.
- You can insure yourself for doing sports and adventure holidays.
- The highest service level in CIS-countries and abroad is guaranteed to you - Allianzсоoperates with leading service companies, such as Global Voyager Assistance HULding.
- Assistance is rendered 24 hours a day, 7 days a week.
- Not only citizens of Ukraine but also foreigners, who live permanently or temporarily in Ukraine can secure themselves under the Programs of the Allianz company.
We insure according to this Program: inpiduals, residents and non-residents of Ukraine, at the age of 1 and up to 69 years (hereinafter - the Insured persons).
Insured accident
For medical and additional expenses during a trip, an insured accident is:
- necessity to provide a person with medical aid and other services caused by acute illness, exacerbation of a chronic disease, injury to health or decay as a result of an accident or death of an Insured person, namely:
- ambulatory care;
- extended care;
- acute care;
- dental health service;
- medical transportation of an Insured person to a special medical facility or the one of the permanent residence (medical evacuation);
- remains repatriation of an Insured person.
In addition, depending on the selected Insurance Program, following is recoverable:
- travel expenses of an Insured person’s immediate relative to the country of residence, in case of the extended care of an Insured person for more than 10 days;
- return travel expenses of an Insured person’s children, and, if necessary, - their accompanying by a third person, should an Insured person is not able to do this because of illness;
- return travel expenses of an Insured person in case of death of his/her immediate relative;
- travel expenses of an employee, which replaces an Insured person during performance of his/her production duties, in case of illness;
- legal expenses (assignment of counsel and posting a bail for an Insured person);
- expenses, caused by inconveniences during air traveling:
- expenses of an Insured person for staying at a hotel, for food, аs well as for an alternative transport in case of flight delay or cancellation;
- expenses for buying of necessities and cloths by an Insured person in case of late baggage delivery;
- expenses for buying of necessities by an Insured person in case of loss, damage or destruction of baggage;
- expenses for renewal of lost or stolen documents of an Insured person during a foreign trip (passport, driving license, technical passport of a transport vehicle, etc.).
Program of technical assistance anticipates:
- payment of expenses, dealing with trailing of an Insured person’s transport vehicle to the place of repair or storage, as well as leasing of another car;
- payment of expenses, dealing with sending of technical assistance to the place of a traffic accident or road breakdown and minor repair on the spot;
- payment of expenses, dealing with staying at a hotel and habitation of an Insured person during the repair of his/her transport vehicle;
- payment of expenses, dealing with transportation of an Insured person to the destination point in case of a traffic accident or road breakdown;
- payment of expenses, dealing with return of an Insured person home in case of loss or destruction of a transport vehicle.
Third-party insurance Program during trips anticipates:
- payment of expenses, incurred by an Insured person in accordance with legislation of country of residence for reparation of following damages:
- involuntary trespass to life and health of a third person;
- involuntary trespass to property of a third person.
According to the Accident Insurance Program, Insured accidents are:
- death (decease) of an Insured person caused by an accident;
- disability ascertainment of І - ІІІ group (including rise of disability group) of an Insured person caused by an accident.
Sum insured constitutes from USD (EUR) 10 000 up to USD (EUR) 75 000.
Sum insured is established according to agreement of the parties, taking into consideration requirements of the Embassy’s Consular Department in the country of traveling.
Insurance cost
Insurance policy with sum insured amounting to EUR 30 000 without a franchise for 10 day trip to Europe costs from 47 UAH, depending on insurance program.
The Insurance cost depends on:
- list of covered expenses;
- sum insured;
- policy validity period;
- availability of a franchise;
- insurance territory.
Validity period of an insurance agreement can constitute from 7 days up to 1 year, depending on term of traveling.
Insurance territory of an insurance agreement – is the whole world
Franchise – as a rule, there is no franchise.
Necessary documents to conclude an insurance agreement – foreign passport of an Insured person.
Insurance payout does not take place in case of:
- drug poisoning or caused by toxicants, alcohol or other substances, which were taken to for the purpose of intoxication;
- should trip was performed in spite of doctor’s advice;
- should medical treatment of an Insured person was conducted without agreement with an assisting company or the Insurer;
- should trip was performed for the purpose of previously planned medical treatment;
- in case of self-treatment or other medical intervention, performed by an Insured person him/herself or other person by his/her order (without doctor’s advice);
- in other cases anticipated by the agreement.
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