Tourist medical expenses insurance program
| "Medical expenses insurance" | ||
| № п/п | Program content | Insurance payment limits, up to |
| Program A | ||
| 1 | - organization and payment of the cost of emergency (emergency) care services at the call site; - carrying out primary diagnostic measures; provision of medical care using medications to the extent necessary for the condition of the Insured person. | 100 % |
| 2 | - organization and payment of the cost of medical care and treatment in outpatient settings; - examination to the extent necessary to establish a diagnosis; - consultations with doctors; - provision of medications as prescribed by a doctor (prescriptions) for emergency treatment | 100 % |
| 3 | - organization and payment of the cost of services related to inpatient treatment, i.e.: consultations with doctors, diagnosis, treatment, emergency surgery, medication provision, stay in standard wards, meals according to the standards adopted in this medical institution.* * The insurer pays the cost of treatment within the limits of its liability (sum insured) established by the Policy, only until the time when the health condition of the Insured person, according to the doctor’s decision, allows him to be evacuated to his place of permanent residence | 100 % |
| 4 | - payment for the cost of medicines intended for emergency treatment, or compensation for expenses in case of independent purchase at a pharmacy of medicines prescribed by a doctor | 100 % |
| 5 | payment for the cost of emergency dental care, namely: - dental examination; - X-ray examination; removal or filling of teeth with temporary fillings caused by acute inflammation of the soft tissues of the tooth and/or adjacent tissues or jaw trauma resulting from an accident | 1% |
| 6 | - organization (if necessary) and payment of the cost of services for transporting the injured Insured person to a medical institution | 100 % |
| 7 | - organization and payment of the cost of a range of services related to transportation and medical support of the Insured person from abroad to the medical institution closest to the place of permanent residence if there are medical indications for the possibility of medical evacuation.* *Medical evacuation of the Insured person is carried out only in agreement with the Insurer. The insurer does not reimburse expenses for continued treatment and rehabilitation of the insured person after his return to his country of permanent residence. If a doctor authorized by the Insurer believes that evacuation of the Insured person is possible, and the Policyholder (Insured person) refuses it, the Insurer immediately stops paying the cost of treatment services for the insured person | 100 % |
| 8 | - organization and payment of the cost of a set of services for transporting the body (repatriation) of the Insured person to the place of his previous permanent residence.* *A necessary condition for organizing repatriation is that the relatives of the deceased insured person provide a statement confirming their readiness to pick up the body after crossing the state border | 100 % |
| 9 | - payment for the cost of funeral services for burying the body of the Insured person in the country at the place of death.* * Funerals abroad of the body of the insured person are carried out only in agreement with the Insurer. | 10 % |
| 10 | - compensation for the cost of telephone communication between the insured person or a person representing his interests with the Insurer regarding reporting an insured event | 1000 hryvnia |
| Program B- includes the conditions of Program A, as well as: | ||
| 11 | - payment of expenses for the Insured person’s stay abroad after the expiration of the Contract for a period of no more than 5 days, if her return to the country of permanent residence is impossible immediately after discharge from the hospital | 75 EURO/USD per day 375 EURO/USD total |
| 12 | - payment of expenses for hotel accommodation of one companion of the Insured person abroad after the expiration of the Agreement for a period of no more than 5 days, if the Insured person is undergoing hospital treatment | 75 EURO/USD per day 375 EURO/USD total |
| 13 | - compensation for the cost of round-trip economy class travel and the cost of hotel accommodation for up to 5 days for one of the adult close relatives of the Insured person, if the duration of her treatment in a hospital in the country of temporary stay exceeds 5 days | economy class 75 EURO/USD per day 375 EURO/USD total |
| 14 | - organization, payment of expenses for early return to the country of permanent residence and, if necessary, accompanying the children of the insured person under the age of 16 years in the event of his hospitalization or death | economy class |
| 15 | - payment of the cost of travel to the country of permanent residence of one companion of the insured person in the event of his hospitalization or death | economy class |
| 16 | - payment of expenses for searching and rescuing the insured person due to an accident in the mountains, at sea, in the jungle or other remote areas. | 10% |
| Program C - includes the terms of Program B, as well as: | ||
| 17 | - compensation for the costs of transporting the Insured person’s car, which has become unsuitable for further use due to a sudden technical breakdown or traffic accident (accident), to the nearest service station (STO) | 200 EURO/USD |
| 18 | - compensation for the cost of travel of the insured driver and passengers to the country of permanent residence if the car in which they are traveling is stolen or damaged as a result of an accident and its further operation is impossible.* *The cost of travel of each insured person in economy class by regular public transport, except for air and taxi, is reimbursed. | 200 EURO/USD |
| 19 | - compensation for the costs of eliminating a sudden technical breakdown or damage as a result of an accident to the Insured person’s car or the cost of temporary storage in a guarded parking lot if it is impossible to repair it | 200 EURO/USD |
| 20 | - compensation for the cost of paid services of a lawyer to protect the rights of the insured person after an accident with his participation. | 10% |
| Program D - the insurance conditions under this program meet the insurance conditions under Program C, with the exception of services provided for by Program B. | ||
| Insurance conditions under program C and D apply only to Insured persons traveling on their own a technically sound passenger car, the service life of which is no more than 5 years (determined from the date of manufacture) |