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Insurance programme: insurance cover and accidents

Your policy is issued electronically and contains combinations of different types of insurance. The policy includes types of insurance such as:

  • Medical expenses insurance

          allows you to receive emergency medical treatment abroad in the event of sudden illness or accident.

  • Financial risk insurance

          this type of insurance allows you to receive compensation for loss of luggage, cancellation of your flight, reimbursement of the cost of obtaining new documents to return to your country of permanent residence if the originals are lost during the trip, payment of legal fees, etc.

  • Accident insurance

          will allow you to receive financial compensation as a result of an accident while travelling.

  • Liability insurance for third party risks

          financial compensation for damage to the life or health of third parties.

OUTDOOR ACTIVITIES, SPORTS:
If you are planning an active holiday, such as skiing, sledging, skating, motorcycling, water skiing, diving, participating in beach volleyball or football competitions, etc., or riding animals and other high-risk activities, it is important that this is taken into account in your insurance policy. In such cases, a surcharge is applied to the insurance rate.

 

The insurance programme has 2 options:

  • Standard
  • Advanced

What is included and what are the main differences?

 

COVERAGE DETAILS

Insurance programme

Standard

Advanced

Insurance coverage description

Maximum coverage limit per person (USD)

✔️ Medical expenses

35,000

50,000

✔️ Medical assistance for COVID-19 disease

2,500

5,000

✔️ Compensation in the event of an accident

2,500

5,000

✔️ Coverage for medical expenses if the injury occurred while under the influence of alcohol

-

+

✔️ Emergency ambulance service

200

500

✔️ Emergency dental care

300

500

✔️ Comfort zone for flight delays

1,000

2,000

✔️ Baggage insurance

250

500

✔️ Transportation to a medical facility - helicopter

2,000

5,000

✔️ Transportation of the Insured to the country of permanent residence

2,500

3,000

✔️ Repatriation of the body to its homeland

5,000

10,000

The total sum insured, which can be chosen by the client:
For Europe - 30 000.00 EUR or 50 000.00 EUR
For World - 50 000.00 EUR or 100 000.00 EUR

 

General grounds for refusal of cover:

  • Intentional actions of the Insured aimed at the occurrence of the insured event;
  • Untimely notification of the occurrence of the insured event without valid reasons;
  • Violation by the Insured of the rules of behaviour, safety or order in the area/place of temporary stay; 
  • Violation by the Insured of the rules of behaviour, safety or order in the area/place of temporary stay;
  • Violation of the legislation of the country of temporary stay;
  • Events resulting from public disturbances, strikes or states of emergency; ionising radiation; use of nuclear, chemical or biological weapons;
  • Suicide or attempted suicide by the insured person.

 

Medical insurance exclusions:
The Insurer will not pay or reimburse the costs of treatment and services relating to illnesses and events such as:

  • Treatment of chronic or congenital illnesses (anomalies), deformities and chromosomal disorders and malformations, complications, aggravations of these illnesses that are not life-threatening, or consequences of these illnesses that were present in the Insured at the time the policy was taken out and that required treatment, except in cases where there is an acute threat to the life of the Insured;
  • Diseases and disorders of the hearing organs, with the exception of acute diseases of the hearing organs for medical reasons;
  • Prophylactic vaccinations, medical examinations and laboratory tests not related to the insured event;
  • Continuation of treatment of the insured after his/her return to his/her place of residence.
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