Inclusive Branches 📍️ Branch Map
Налаштування доступності Скинути
Розмір шрифту Аа Аа Аа
Колірна схема: Звичайна Біло-чорна Чорно-біла Бежева
Зробіть кілька простих кроків, і ми вже з вами на зв'язку!
1. Завантажте додаток WordCraft для свого пристрою та пройдіть реєстрацію.
2. Відскануйте QR-код через додаток WordCraft (відкривши «Налаштування»), і дзвінок з перекладачем та представником компанії почнеться автоматично.
  Завантажити на App Store  Завантажити на Play Market
0 800 60 44 53
Log In

Travel Insurance

Online

Tickets booked? Bags packed?

Don't forget your travel insurance!

image

Why do you need travel insurance?

Travel insurance covers the cost of emergency medical care during your trip

Getting medical treatment abroad without insurance can cost a fortune, and you'd have to find a hospital yourself in an unfamiliar country.

If you fall ill while traveling abroad, we'll quickly arrange medical care for you.

Feel confident during your trip abroad — choose travel insurance from Arsenal Insurance

Important! Travel insurance can only be purchased before your trip begins — while you're still in Ukraine

Buy Now
How do I customize my travel insurance?
1
Choose your coverage type — a single trip or multiple trips
2
Enter your travel dates
3
Enter the number of travelers, their dates of birth, and the purpose of your trip
4
Select the coverage area that includes your destination country
5
Choose the coverage package for your policy
Standard Classic
Bestseller
 Gold Platinum

Emergency inpatient medical care
Repatriation in case of illness or injury
Repatriation in case of death
Emergency outpatient medical care (services and medication)
Emergency dental care (limit €150)
Transmission of urgent messages (limit €20)
Early return to country of residence or Ukraine in case of a close relative's death (ticket costs, limit €400)
Transportation of children under 16 to their place of residence if the Insured is hospitalized (limit €300 per child)
Visit by a third party to the Insured if hospitalized for more than 10 days (ticket costs, limit €400)
Substitution of the Insured at business negotiations (limit €400)
6
Choose your insured amount
Important! The minimum coverage for Schengen Area countries is €30,000
7
Choose your deductible.
To keep things simple and avoid any extra out-of-pocket costs, we recommend choosing a “zero” deductible.
Important! Travel insurance can only be purchased before your trip begins — while you're still in Ukraine
Buy Now
«Standard 1» (S1)
+

Insured Risks

The insured risk/event under the insurance contract is:

Under the "Assistance Expense Insurance" option:

— Under insurance class 18, "Insurance of expenses related to providing assistance to persons in difficulty while traveling" (medical expenses risk): illness of the Insured Person (an acute illness or exacerbation of a chronic illness) or a health disorder resulting from an accident, occurring during the term of the insurance contract while the Insured Person is traveling abroad within the territory of coverage specified in the contract, which is not an exclusion or restriction under the contract's terms, as a result of which the Insured Person receives medical and other assistance/services under the Insurance Program specified in the contract, giving rise to the Insurer's obligation to make a payout by reimbursing documented expenses incurred in obtaining that assistance/those services.

— Under insurance class 18 (non-medical expenses risk): an event provided for by the Insurance Program specified in the Insurance Contract, occurring during the contract's term while the Insured Person is traveling abroad within the territory of coverage, as a result of which the Insured Person incurs non-medical expenses related to receiving assistance while in difficulty abroad, which is not an exclusion or restriction under the contract's terms, giving rise to the Insurer's obligation to make a payout by reimbursing documented expenses incurred, or by covering such expenses.

Under the "Accident Insurance" option (at the Policyholder's discretion):

Permanent loss of general working capacity by the Insured Person (assignment of a disability group) resulting from an accident that occurred during the term of the insurance contract while the Insured Person is traveling abroad within the territory of coverage.

Death of the Insured Person as a result of an accident that occurred during the term of the insurance contract while the Insured Person is traveling abroad within the territory of coverage.

+

Minimum and Maximum Insured Amount (Liability Limit), If the Minimum and Maximum Insured Amount Is Determined by the Terms of the Insurance Product

The minimum and maximum insured amount (liability limit) under the "Assistance Expense Insurance" option ranges from USD/EUR 5,000.00 to USD/EUR 50,000.00. The insured amount under this option is chosen by the Policyholder and specified in the insurance contract.

Note: For Schengen Area countries (Zone 2), the minimum insured amount must be EUR 30,000.00, in accordance with EU Council Regulation (Decision 2004/17/EC of December 22, 2003).

The minimum and maximum insured amount under the "Accident Insurance" option is UAH 10,000.00. The insured amount under this option is set at UAH 10,000.00 and specified in the insurance contract.

+

Minimum and Maximum Insurance Premium and/or Rate

The insurance rate for each Insured Person is determined separately depending on the selected insurance options, Insurance Program, purpose of travel, territory of coverage, insurance period, and other terms of the contract, as well as individual characteristics of the object of insurance. The insurance rate for each Insured Person is specified in the insurance contract.

The insurance premium is determined for each Insured Person for each selected insurance option and specified in the insurance contract. The total insurance premium equals the sum of the insurance premiums for all Insured Persons across all selected options. No minimum or maximum insurance rate or premium is provided for by the insurance product.

The insurance premium under the "Assistance Expense Insurance" option is calculated for each Insured Person by multiplying the insurance premium per day abroad (DP) by adjustment coefficients and by the official NBU exchange rate on the date the contract is concluded, converting hryvnia into the insurance currency.

The insurance premium per day abroad (DP) under this option is: DP (EUR/USD) = 0.228.

Under the "Accident Insurance" option, the insurance premium is calculated by multiplying the insurance premium per day abroad (DP) by the number of days spent abroad under the contract. DP per Insured Person equals UAH 0.20.

+

Type and Minimum/Maximum Amount of Deductible (If Applicable)

A deductible applies to the "Assistance Expense Insurance" option. Type of deductible: flat. The minimum and maximum deductible ranges from 0 to USD/EUR 250 (in the currency of the insured amount under this option). The deductible amount is chosen by the Policyholder and specified in the insurance contract. No deductible applies to the "Accident Insurance" option.

+

Territory of Coverage Under the Insurance Contract

Zone 1 — Republic of Armenia, Republic of Azerbaijan, Republic of Kazakhstan, Republic of Uzbekistan, Kyrgyz Republic, Republic of Moldova, Republic of Tajikistan, Turkmenistan; Zone 2 — Schengen Area, Liechtenstein, United Kingdom, Georgia, Republic of Croatia, Republic of Montenegro, Republic of Cyprus; Zone 3 — Turkey, Egypt, Morocco, Jordan, Republic of Tunisia; Zone 4 — USA; Zone 5 — the entire world (excluding the USA); Zone 6 — Republic of Indonesia, Republic of Cuba, Dominican Republic, Kingdom of Saudi Arabia, UAE, Sri Lanka, Republic of Fiji, Republic of the Philippines, Malaysia, Republic of Maldives, Republic of Mauritius, Kingdom of Thailand; Zone 7 — other countries chosen by the Policyholder and specified in the contract.

Coverage does not apply to: the territory of Ukraine; the Insured Person's country of permanent residence; the country of which the Insured Person is a citizen; zones of armed conflict or countries under UN monitoring/sanctions; other occupied territories or settlements where state authorities do not exercise their powers; epidemic zones defined by the WHO; and the territories of states carrying out armed aggression against Ukraine.

+

Term of the Insurance Contract

From 1 to 365 or 366 calendar days (depending on the number of calendar days in the year), by agreement of the parties.

+

Procedure for the Insurance Contract Coming Into Effect

The contract comes into effect at 00:00 Kyiv time on the start date specified in the contract, but no earlier than 00:00 Kyiv time on the day following receipt of the total insurance premium.

The Insurer's obligations to recognize events as insured and make payouts arise at the moment the Insured Person crosses the state border of Ukraine upon departure, but no earlier than the contract's effective date and time.

+

Insurance Period

The insurance period is specified in the contract and may not exceed 365 or 366 calendar days. It is the maximum number of days, within the contract's term, during which the Insurer bears the obligation to recognize insured events and make payouts. Both the departure day and return day count as full days for this calculation.

For a single trip: the total number of days of the insurance period is set for one trip.

Under the "MultiTravel" condition (unlimited trips within the specified insurance period): the Policyholder may choose one of the following (contract term/max period per trip): 60/1–30*; 90/30; 182/60; 182/90; 365(366)/30; 365(366)/60; 365(366)/90; 365(366)/182. *The number of days is determined per the option specified in the contract.

Events occurring after the cumulative days abroad reach the insurance period, or after a single trip exceeds 30 calendar days, are not considered insured events. Each new departure abroad restarts the Insurer's obligations from the moment of crossing the border. MultiTravel does not apply to Zone 1 countries.

+

Insurance Restrictions (If Applicable)

The life, health, or working capacity of a person cannot be an object of insurance if that person:

  • has been declared legally incapacitated;
  • has Group I, II, or III disability status, or is a child with a disability;
  • has cancer, AIDS, or is HIV-positive, or is registered at a narcological, psychoneurological, tuberculosis, dermatovenerological, or AIDS dispensary;
  • is younger than 1 year old at the time the contract comes into effect;
  • is older than 75 years old at the time the contract comes into effect;
  • has traveled contrary to a doctor's recommendations or with a health condition that does not permit travel.

Indirect losses and non-material damage also cannot be an object of insurance.

+

Object of Insurance

  • the life, health, and working capacity of the Insured Person, designated by the Policyholder in the insurance contract with their consent, while the Insured Person is traveling abroad — under the "Assistance Expense Insurance" option, for insuring medical expenses related to providing assistance to the Insured Person who finds themselves in difficulty while traveling abroad, and under the "Accident Insurance" option;

  • the possible expenses of the Insured Person, designated by the Policyholder in the insurance contract with their consent, that are directly related to the occurrence of an insured event while the Insured Person is traveling abroad — under the "Assistance Expense Insurance" option, for insuring non-medical expenses related to providing assistance to the Insured Person who finds themselves in difficulty while traveling abroad.

+

Possible Consequences for the Consumer in Case of Failure to Fulfill Obligations Under the Insurance Contract, Including Late Notification of an Insured Event Without Valid Reasons and Late Payment of the Insurance Premium or Its Subsequent Installment

Late notification of an insured event without valid reasons, or failure to fulfill other obligations under the contract or by law, is grounds for the Insurer to refuse a payout, if this made it impossible to establish the fact, causes, and circumstances of the event or the amount of losses.

If the insurance premium is not paid, the contract does not come into effect.

+

Information on the Possibility of Purchasing the Insurance Product Separately, If Such Product Is Offered Together With an Ancillary and/or Additional Good, Work, or Service That Is Not Insurance-Related, as a Component of a Single Package or Contract

The insurance contract is not ancillary to any other goods, works, or services that are not insurance-related.

+

Terms for Obtaining a Discount on the Insurance Product and the Insurer's Promotional Offers (If Any), Including Their Validity Periods

No discounts are provided for this insurance product. There are no promotional offers.

+

List of Information That Is Material to Assessing the Insured Risk, and/or Information About Other Circumstances Taken Into Account When Determining the Insurance Premium

The insurance options chosen; the Insurance Program chosen; the purpose of travel; the territory of coverage; the term of the contract and insurance period; the insured amount; the deductible amount; whether COVID-19 coverage applies; whether the "MultiTravel" condition applies; the number of Insured Persons; individual characteristics of the object of insurance (age; legal capacity; disability status; dispensary registration; cancer/AIDS/HIV status; prior insured events; chronic diseases; hereditary diseases or congenital defects; a history of regular inpatient treatment more than once a year; other relevant health information); and objective risk factors (geographic/climatic zone, sanitary-epidemiological situation, and political-economic situation in the destination country).

Information about the Policyholder's insurance needs and requirements.

+

Consumer Notice on the Need to Review, Prior to Concluding the Insurance Contract, Information About Exclusions From Insured Events and Grounds for Refusal to Make Insurance Payouts, the Insurer's Liability Limits for a Specific Object of Insurance, Insured Risk, and/or Insured Event, as Well as the Procedure for Calculating and the Terms for Making Insurance Payouts, Including a Reference to Such Information

Before concluding the insurance contract, the consumer needs to review the following information:

  • exclusions from insured events and grounds for refusal to make insurance payouts,
  • the Insurer's liability limits for a specific object of insurance, insured risk, and/or insured event,
  • the procedure for calculating and the terms for making insurance payouts.

This information can be found in the General Terms of the Insurance Product, available here, and in the Insurance Product Information Document, available here.

+

Procedure and Terms for the Provision of Services

Before concluding the insurance contract, the Insurer (insurance intermediary), based on information received from the client, determines the client's insurance needs and requirements. For this purpose, the client is asked to complete an insurance application in the form established by the Insurer. If the client requires individual advice, the Insurer (insurance intermediary) provides such advice upon the client's request. This individual advice is provided free of charge. Before concluding the insurance contract, the Insurer (insurance intermediary) provides the client with accessible and comprehensive information about the insurance product, about the insurer, and about the insurance intermediary (if the insurance product is sold through an insurance intermediary). The insurance contract is concluded in writing. The insurance contract may be executed in paper form or as an electronic document.

+

Cost, Price/Rates, and Fee Amount (Interest, Commissions) for the Insurance Product

Under the insurance contract, the Policyholder pays an insurance premium. The insurance contract does not provide for any other payments besides the insurance premium (such as interest, commissions, etc.). The insurance premium is calculated based on information provided by the Policyholder when concluding the insurance contract. The insurance premium is calculated within the minimum and maximum insurance premium and/or insurance rate specified above for this insurance product.

+

Total Amount of Expenses, Including Fees, Payments, and Other Costs the Consumer Must Pay in Connection With Receiving the Financial Service, Including Taxes, or, If the Specific Amount Cannot Be Determined, the Procedure for Determining Such Expenses

When concluding the insurance contract, the Policyholder pays only the insurance premium provided for by the insurance contract. In accordance with subparagraph 165.1.27 of paragraph 165.1 of Article 165 of the Tax Code of Ukraine, the following income is not included in a taxpayer's total monthly (annual) taxable income: the amount of an insurance payout, insurance compensation, or surrender value received by the taxpayer under an insurance contract from a resident insurer, other than long-term life insurance (including lifetime pension insurance) and non-state pension provision, provided the following conditions are met: a) for life or health insurance of the taxpayer, in the case of: the insured person surviving to the date or event specified in the life insurance contract, or reaching the age specified in such contract; the surrender value, to the extent it does not exceed the sum of insurance payments made under a life insurance contract other than long-term life insurance; in the event of an insured event — the fact that harm was caused to the insured person must be duly confirmed. If the insured person dies, the insurance payout due to beneficiaries or heirs is taxed according to the rules and rates established for inheritance taxation (a beneficiary is treated as an heir for this purpose); b) for property insurance, the amount of insurance compensation may not exceed the value of the insured property, determined at market prices as of the date the insurance contract was concluded, increased by the amount of insurance payments (contributions, premiums) paid; c) for civil liability insurance, the amount of insurance compensation may not exceed the amount of harm actually caused to the beneficiary, as determined at market prices as of the date of such insurance payout. Provided the above conditions are met, no taxes or fees are payable by the Policyholder as a result of receiving the financial service.

+

Consumer's Right of Withdrawal, Right to Terminate or Cancel the Contract, Right of Early Performance, and the Procedure and Consequences of Exercising Such Rights

The insurance contract terminates and loses validity by agreement of the parties to the contract, as well as in the event of: the expiration of the contract's term; the Insurer having fulfilled all obligations to the Policyholder; non-payment/late payment of the next installment of the insurance premium; liquidation of the Insurer, liquidation of a Policyholder that is a legal entity, or the death of a Policyholder who is an individual (except as provided for by the Law of Ukraine "On Insurance"); a court decision declaring the insurance contract invalid entering into legal force; other cases provided for by Ukrainian legislation and the insurance contract.

  • Either party must notify the other party in writing (electronic form) of its intent to terminate the insurance contract early no later than 30 calendar days before the termination date.
  • In the event of early termination at the request of the Policyholder or the Insurer due to the Policyholder's failure to comply with the contract's terms, the Insurer refunds the premium paid for the remaining period, minus expenses directly related to concluding and performing the contract and any payouts already made.
  • In the event of early termination at the Insurer's request, or on the Policyholder's initiative due to the Insurer's violation of the contract's terms, the Policyholder is refunded the full premium paid.
  • Expenses directly related to concluding and performing the contract are deducted in the amount corresponding to the share specified in the contract.
  • The Insurer refunds the paid premium (or a portion thereof) within 10 business days of the termination date, to the Policyholder's bank account or by another means via payment systems.
  • If there are unresolved insured events at termination, the Insurer refunds the premium (or a portion thereof) after such events are settled.
  • If the Policyholder is included on a list of persons associated with terrorist activity or subject to international and/or other sanctions, the refund occurs after removal from such list.
  • The paid premium is not refunded if the contract terminates early due to the Insurer having fully performed its obligations to the Policyholder.

The Policyholder has the right, within 30 calendar days of concluding the contract, to withdraw without giving a reason (if the contract's term exceeds 30 calendar days and no notifications of insured events have been made).

  • The Insurer refunds the paid premium (or a portion thereof) within 10 business days of receiving the withdrawal notice.

+

Procedure for Amending the Insurance Contract

The insurance contract does not provide for unilateral amendment of its terms.

Amendments to the insurance contract are made by mutual written consent of the Parties. Amendments are made by concluding additional contracts/additional agreements to the insurance contract.

A Party that considers it necessary to amend the terms of the insurance contract sends a proposal to that effect to the other Party, in accordance with the terms of the insurance contract.

If the Parties fail to reach agreement on amending the terms of the insurance contract, it continues to be in effect on its previously agreed terms, or it may be terminated early by the Parties.

+

Availability and Procedure for Handling Complaints and Out-of-Court Dispute Resolution

When providing insurance services to Consumers, PJSC "ARSENAL INSURANCE" complies with all applicable consumer protection legislation, cares about its Consumers' rights, and is committed to resolving issues raised by consumers.

PJSC "ARSENAL INSURANCE" also considers it important, at every stage of reviewing an inquiry, to inform Consumers of their rights, and to note that PJSC "ARSENAL INSURANCE" reviews client inquiries (proposals, comments, applications, complaints) from both legal entities and individuals in accordance with current Ukrainian legislation and the Procedure for Interaction with Consumers and Handling Inquiries (across all channels) approved by PJSC "ARSENAL INSURANCE."

A client has the right, either personally or through an authorized representative, to submit (send) inquiries to PJSC "ARSENAL INSURANCE" concerning the activities of the company and/or its employees.

Consumers have free access to information about insurance services published on the PJSC "ARSENAL INSURANCE" website at: https://arsenal-ic.ua/, as well as at service locations.

Any issues that arise for a client are resolved as follows:

  1. Out of court, through a verbal or written inquiry sent to the email address [email protected], sent or submitted directly to the company's registered address: 154 Borshchahivska St., Kyiv, 03056, Ukraine, or reported by phone at 0-800-60-44-53. To protect the rights of the Policyholder as a consumer of insurance services, PJSC "ARSENAL INSURANCE" has established a dedicated competent commission to review applications, comments, proposals, and complaints, located at 154 Borshchahivska St., Kyiv, 03056, tel. 0-800-60-44-53, email [email protected]. Such inquiries, which must be submitted in writing, are reviewed within the procedure and timeframes established by the Laws of Ukraine "On Consumer Protection" and "On Citizens' Appeals."

  2. If the Consumer disagrees with the decision made regarding their inquiry/complaint/claim, they may appeal such decision by contacting the Regulator — through the official website of the National Bank of Ukraine: https://bank.gov.ua/ua/consumer-protection; correspondence and written inquiries address: 9 Instytutska St., Kyiv, 01601, tel. 0 800 505 240, email: [email protected], website: https://bank.gov.ua/.

  3. In certain disputed cases, the matter may also be resolved through the courts. In accordance with Part One of Article 4 of the Civil Procedure Code of Ukraine, every person has the right, in the manner established by this Code, to apply to the court for the protection of their violated, unrecognized, or disputed rights, freedoms, or legitimate interests.

All disputes arising between the Policyholder and the Insurer under concluded insurance contracts are resolved through negotiation, and if no agreement is reached, in accordance with the procedure established by current Ukrainian legislation.

+

Availability of Guarantee Funds or Compensation Schemes Applied in Accordance With Legislation

PJSC "ARSENAL INSURANCE" maintains a guarantee fund; no compensation schemes are available.

«Standard» (S)
+

Insured Risks

The insured risk/event under the insurance contract is:

Under the "Assistance Expense Insurance" option:

— Under insurance class 18, "Insurance of expenses related to providing assistance to persons in difficulty while traveling" (medical expenses risk): illness of the Insured Person (an acute illness or exacerbation of a chronic illness) or a health disorder resulting from an accident, occurring during the term of the insurance contract while the Insured Person is traveling abroad within the territory of coverage specified in the contract, which is not an exclusion or restriction under the contract's terms, as a result of which the Insured Person receives medical and other assistance/services under the Insurance Program specified in the contract, giving rise to the Insurer's obligation to make a payout by reimbursing documented expenses incurred in obtaining that assistance/those services.

— Under insurance class 18 (non-medical expenses risk): an event provided for by the Insurance Program specified in the Insurance Contract, occurring during the contract's term while the Insured Person is traveling abroad within the territory of coverage, as a result of which the Insured Person incurs non-medical expenses related to receiving assistance while in difficulty abroad, which is not an exclusion or restriction under the contract's terms, giving rise to the Insurer's obligation to make a payout by reimbursing documented expenses incurred, or by covering such expenses.

Under the "Accident Insurance" option (at the Policyholder's discretion):

Permanent loss of general working capacity by the Insured Person (assignment of a disability group) resulting from an accident that occurred during the term of the insurance contract while the Insured Person is traveling abroad within the territory of coverage.

Death of the Insured Person as a result of an accident that occurred during the term of the insurance contract while the Insured Person is traveling abroad within the territory of coverage.

+

Minimum and Maximum Insured Amount (Liability Limit), If the Minimum and Maximum Insured Amount Is Determined by the Terms of the Insurance Product

The minimum and maximum insured amount (liability limit) under the "Assistance Expense Insurance" option ranges from USD/EUR 5,000.00 to USD/EUR 50,000.00. The insured amount under this option is chosen by the Policyholder and specified in the insurance contract.

Note: For Schengen Area countries (Zone 2), the minimum insured amount must be EUR 30,000.00, in accordance with EU Council Regulation (Decision 2004/17/EC of December 22, 2003).

The minimum and maximum insured amount under the "Accident Insurance" option is UAH 10,000.00. The insured amount under this option is set at UAH 10,000.00 and specified in the insurance contract.

+

Minimum and Maximum Insurance Premium and/or Rate

The insurance rate for each Insured Person is determined separately depending on the selected insurance options, Insurance Program, purpose of travel, territory of coverage, insurance period, and other terms of the contract, as well as individual characteristics of the object of insurance. The insurance rate for each Insured Person is specified in the insurance contract.

The insurance premium is determined for each Insured Person for each selected insurance option and specified in the insurance contract. The total insurance premium equals the sum of the insurance premiums for all Insured Persons across all selected options. No minimum or maximum insurance rate or premium is provided for by the insurance product.

The insurance premium under the "Assistance Expense Insurance" option is calculated for each Insured Person by multiplying the insurance premium per day abroad (DP) by adjustment coefficients and by the official NBU exchange rate on the date the contract is concluded, converting hryvnia into the insurance currency.

The insurance premium per day abroad (DP) under this option is: DP (EUR/USD) = 0.228.

Under the "Accident Insurance" option, the insurance premium is calculated by multiplying the insurance premium per day abroad (DP) by the number of days spent abroad under the contract. DP per Insured Person equals UAH 0.20.

+

Type and Minimum/Maximum Amount of Deductible (If Applicable)

A deductible applies to the "Assistance Expense Insurance" option. Type of deductible: flat. The minimum and maximum deductible ranges from 0 to USD/EUR 250 (in the currency of the insured amount under this option). The deductible amount is chosen by the Policyholder and specified in the insurance contract. No deductible applies to the "Accident Insurance" option.

+

Territory of Coverage Under the Insurance Contract

Zone 1 — Republic of Armenia, Republic of Azerbaijan, Republic of Kazakhstan, Republic of Uzbekistan, Kyrgyz Republic, Republic of Moldova, Republic of Tajikistan, Turkmenistan; Zone 2 — Schengen Area, Liechtenstein, United Kingdom, Georgia, Republic of Croatia, Republic of Montenegro, Republic of Cyprus; Zone 3 — Turkey, Egypt, Morocco, Jordan, Republic of Tunisia; Zone 4 — USA; Zone 5 — the entire world (excluding the USA); Zone 6 — Republic of Indonesia, Republic of Cuba, Dominican Republic, Kingdom of Saudi Arabia, UAE, Sri Lanka, Republic of Fiji, Republic of the Philippines, Malaysia, Republic of Maldives, Republic of Mauritius, Kingdom of Thailand; Zone 7 — other countries chosen by the Policyholder and specified in the contract.

Coverage does not apply to: the territory of Ukraine; the Insured Person's country of permanent residence; the country of which the Insured Person is a citizen; zones of armed conflict or countries under UN monitoring/sanctions; other occupied territories or settlements where state authorities do not exercise their powers; epidemic zones defined by the WHO; and the territories of states carrying out armed aggression against Ukraine.

+

Term of the Insurance Contract

From 1 to 365 or 366 calendar days (depending on the number of calendar days in the year), by agreement of the parties.

+

Procedure for the Insurance Contract Coming Into Effect

The contract comes into effect at 00:00 Kyiv time on the start date specified in the contract, but no earlier than 00:00 Kyiv time on the day following receipt of the total insurance premium.

The Insurer's obligations to recognize events as insured and make payouts arise at the moment the Insured Person crosses the state border of Ukraine upon departure, but no earlier than the contract's effective date and time.

+

Insurance Period

The insurance period is specified in the contract and may not exceed 365 or 366 calendar days. It is the maximum number of days, within the contract's term, during which the Insurer bears the obligation to recognize insured events and make payouts. Both the departure day and return day count as full days for this calculation.

For a single trip: the total number of days of the insurance period is set for one trip.

Under the "MultiTravel" condition (unlimited trips within the specified insurance period): the Policyholder may choose one of the following (contract term/max period per trip): 60/1–30*; 90/30; 182/60; 182/90; 365(366)/30; 365(366)/60; 365(366)/90; 365(366)/182. *The number of days is determined per the option specified in the contract.

Events occurring after the cumulative days abroad reach the insurance period, or after a single trip exceeds 30 calendar days, are not considered insured events. Each new departure abroad restarts the Insurer's obligations from the moment of crossing the border. MultiTravel does not apply to Zone 1 countries.

+

Insurance Restrictions (If Applicable)

The life, health, or working capacity of a person cannot be an object of insurance if that person:

  • has been declared legally incapacitated;
  • has Group I, II, or III disability status, or is a child with a disability;
  • has cancer, AIDS, or is HIV-positive, or is registered at a narcological, psychoneurological, tuberculosis, dermatovenerological, or AIDS dispensary;
  • is younger than 1 year old at the time the contract comes into effect;
  • is older than 75 years old at the time the contract comes into effect;
  • has traveled contrary to a doctor's recommendations or with a health condition that does not permit travel.

Indirect losses and non-material damage also cannot be an object of insurance.

+

Object of Insurance

  • the life, health, and working capacity of the Insured Person, designated by the Policyholder in the insurance contract with their consent, while the Insured Person is traveling abroad — under the "Assistance Expense Insurance" option, for insuring medical expenses related to providing assistance to the Insured Person who finds themselves in difficulty while traveling abroad, and under the "Accident Insurance" option;

  • the possible expenses of the Insured Person, designated by the Policyholder in the insurance contract with their consent, that are directly related to the occurrence of an insured event while the Insured Person is traveling abroad — under the "Assistance Expense Insurance" option, for insuring non-medical expenses related to providing assistance to the Insured Person who finds themselves in difficulty while traveling abroad.

+

Possible Consequences for the Consumer in Case of Failure to Fulfill Obligations Under the Insurance Contract, Including Late Notification of an Insured Event Without Valid Reasons and Late Payment of the Insurance Premium or Its Subsequent Installment

Late notification of an insured event without valid reasons, or failure to fulfill other obligations under the contract or by law, is grounds for the Insurer to refuse a payout, if this made it impossible to establish the fact, causes, and circumstances of the event or the amount of losses.

If the insurance premium is not paid, the contract does not come into effect.

+

Information on the Possibility of Purchasing the Insurance Product Separately, If Such Product Is Offered Together With an Ancillary and/or Additional Good, Work, or Service That Is Not Insurance-Related, as a Component of a Single Package or Contract

The insurance contract is not ancillary to any other goods, works, or services that are not insurance-related.

+

Terms for Obtaining a Discount on the Insurance Product and the Insurer's Promotional Offers (If Any), Including Their Validity Periods

No discounts are provided for this insurance product. There are no promotional offers.

+

List of Information That Is Material to Assessing the Insured Risk, and/or Information About Other Circumstances Taken Into Account When Determining the Insurance Premium

The insurance options chosen; the Insurance Program chosen; the purpose of travel; the territory of coverage; the term of the contract and insurance period; the insured amount; the deductible amount; whether COVID-19 coverage applies; whether the "MultiTravel" condition applies; the number of Insured Persons; individual characteristics of the object of insurance (age; legal capacity; disability status; dispensary registration; cancer/AIDS/HIV status; prior insured events; chronic diseases; hereditary diseases or congenital defects; a history of regular inpatient treatment more than once a year; other relevant health information); and objective risk factors (geographic/climatic zone, sanitary-epidemiological situation, and political-economic situation in the destination country).

Information about the Policyholder's insurance needs and requirements.

+

Consumer Notice on the Need to Review, Prior to Concluding the Insurance Contract, Information About Exclusions From Insured Events and Grounds for Refusal to Make Insurance Payouts, the Insurer's Liability Limits for a Specific Object of Insurance, Insured Risk, and/or Insured Event, as Well as the Procedure for Calculating and the Terms for Making Insurance Payouts, Including a Reference to Such Information

Before concluding the insurance contract, the consumer needs to review the following information:

  • exclusions from insured events and grounds for refusal to make insurance payouts,
  • the Insurer's liability limits for a specific object of insurance, insured risk, and/or insured event,
  • the procedure for calculating and the terms for making insurance payouts.

This information can be found in the General Terms of the Insurance Product, available here, and in the Insurance Product Information Document, available here.

+

Procedure and Terms for the Provision of Services

Before concluding the insurance contract, the Insurer (insurance intermediary), based on information received from the client, determines the client's insurance needs and requirements. For this purpose, the client is asked to complete an insurance application in the form established by the Insurer. If the client requires individual advice, the Insurer (insurance intermediary) provides such advice upon the client's request. This individual advice is provided free of charge. Before concluding the insurance contract, the Insurer (insurance intermediary) provides the client with accessible and comprehensive information about the insurance product, about the insurer, and about the insurance intermediary (if the insurance product is sold through an insurance intermediary). The insurance contract is concluded in writing. The insurance contract may be executed in paper form or as an electronic document.

+

Cost, Price/Rates, and Fee Amount (Interest, Commissions) for the Insurance Product

Under the insurance contract, the Policyholder pays an insurance premium. The insurance contract does not provide for any other payments besides the insurance premium (such as interest, commissions, etc.). The insurance premium is calculated based on information provided by the Policyholder when concluding the insurance contract. The insurance premium is calculated within the minimum and maximum insurance premium and/or insurance rate specified above for this insurance product.

+

Total Amount of Expenses, Including Fees, Payments, and Other Costs the Consumer Must Pay in Connection With Receiving the Financial Service, Including Taxes, or, If the Specific Amount Cannot Be Determined, the Procedure for Determining Such Expenses

When concluding the insurance contract, the Policyholder pays only the insurance premium provided for by the insurance contract. In accordance with subparagraph 165.1.27 of paragraph 165.1 of Article 165 of the Tax Code of Ukraine, the following income is not included in a taxpayer's total monthly (annual) taxable income: the amount of an insurance payout, insurance compensation, or surrender value received by the taxpayer under an insurance contract from a resident insurer, other than long-term life insurance (including lifetime pension insurance) and non-state pension provision, provided the following conditions are met: a) for life or health insurance of the taxpayer, in the case of: the insured person surviving to the date or event specified in the life insurance contract, or reaching the age specified in such contract; the surrender value, to the extent it does not exceed the sum of insurance payments made under a life insurance contract other than long-term life insurance; in the event of an insured event — the fact that harm was caused to the insured person must be duly confirmed. If the insured person dies, the insurance payout due to beneficiaries or heirs is taxed according to the rules and rates established for inheritance taxation (a beneficiary is treated as an heir for this purpose); b) for property insurance, the amount of insurance compensation may not exceed the value of the insured property, determined at market prices as of the date the insurance contract was concluded, increased by the amount of insurance payments (contributions, premiums) paid; c) for civil liability insurance, the amount of insurance compensation may not exceed the amount of harm actually caused to the beneficiary, as determined at market prices as of the date of such insurance payout. Provided the above conditions are met, no taxes or fees are payable by the Policyholder as a result of receiving the financial service.

+

Consumer's Right of Withdrawal, Right to Terminate or Cancel the Contract, Right of Early Performance, and the Procedure and Consequences of Exercising Such Rights

The insurance contract terminates and loses validity by agreement of the parties to the contract, as well as in the event of: the expiration of the contract's term; the Insurer having fulfilled all obligations to the Policyholder; non-payment/late payment of the next installment of the insurance premium; liquidation of the Insurer, liquidation of a Policyholder that is a legal entity, or the death of a Policyholder who is an individual (except as provided for by the Law of Ukraine "On Insurance"); a court decision declaring the insurance contract invalid entering into legal force; other cases provided for by Ukrainian legislation and the insurance contract.

  • Either party must notify the other party in writing (electronic form) of its intent to terminate the insurance contract early no later than 30 calendar days before the termination date.
  • In the event of early termination at the request of the Policyholder or the Insurer due to the Policyholder's failure to comply with the contract's terms, the Insurer refunds the premium paid for the remaining period, minus expenses directly related to concluding and performing the contract and any payouts already made.
  • In the event of early termination at the Insurer's request, or on the Policyholder's initiative due to the Insurer's violation of the contract's terms, the Policyholder is refunded the full premium paid.
  • Expenses directly related to concluding and performing the contract are deducted in the amount corresponding to the share specified in the contract.
  • The Insurer refunds the paid premium (or a portion thereof) within 10 business days of the termination date, to the Policyholder's bank account or by another means via payment systems.
  • If there are unresolved insured events at termination, the Insurer refunds the premium (or a portion thereof) after such events are settled.
  • If the Policyholder is included on a list of persons associated with terrorist activity or subject to international and/or other sanctions, the refund occurs after removal from such list.
  • The paid premium is not refunded if the contract terminates early due to the Insurer having fully performed its obligations to the Policyholder.

The Policyholder has the right, within 30 calendar days of concluding the contract, to withdraw without giving a reason (if the contract's term exceeds 30 calendar days and no notifications of insured events have been made).

  • The Insurer refunds the paid premium (or a portion thereof) within 10 business days of receiving the withdrawal notice.

+

Procedure for Amending the Insurance Contract

The insurance contract does not provide for unilateral amendment of its terms.

Amendments to the insurance contract are made by mutual written consent of the Parties. Amendments are made by concluding additional contracts/additional agreements to the insurance contract.

A Party that considers it necessary to amend the terms of the insurance contract sends a proposal to that effect to the other Party, in accordance with the terms of the insurance contract.

If the Parties fail to reach agreement on amending the terms of the insurance contract, it continues to be in effect on its previously agreed terms, or it may be terminated early by the Parties.

+

Availability and Procedure for Handling Complaints and Out-of-Court Dispute Resolution

When providing insurance services to Consumers, PJSC "ARSENAL INSURANCE" complies with all applicable consumer protection legislation, cares about its Consumers' rights, and is committed to resolving issues raised by consumers.

PJSC "ARSENAL INSURANCE" also considers it important, at every stage of reviewing an inquiry, to inform Consumers of their rights, and to note that PJSC "ARSENAL INSURANCE" reviews client inquiries (proposals, comments, applications, complaints) from both legal entities and individuals in accordance with current Ukrainian legislation and the Procedure for Interaction with Consumers and Handling Inquiries (across all channels) approved by PJSC "ARSENAL INSURANCE."

A client has the right, either personally or through an authorized representative, to submit (send) inquiries to PJSC "ARSENAL INSURANCE" concerning the activities of the company and/or its employees.

Consumers have free access to information about insurance services published on the PJSC "ARSENAL INSURANCE" website at: https://arsenal-ic.ua/, as well as at service locations.

Any issues that arise for a client are resolved as follows:

  1. Out of court, through a verbal or written inquiry sent to the email address [email protected], sent or submitted directly to the company's registered address: 154 Borshchahivska St., Kyiv, 03056, Ukraine, or reported by phone at 0-800-60-44-53. To protect the rights of the Policyholder as a consumer of insurance services, PJSC "ARSENAL INSURANCE" has established a dedicated competent commission to review applications, comments, proposals, and complaints, located at 154 Borshchahivska St., Kyiv, 03056, tel. 0-800-60-44-53, email [email protected]. Such inquiries, which must be submitted in writing, are reviewed within the procedure and timeframes established by the Laws of Ukraine "On Consumer Protection" and "On Citizens' Appeals."

  2. If the Consumer disagrees with the decision made regarding their inquiry/complaint/claim, they may appeal such decision by contacting the Regulator — through the official website of the National Bank of Ukraine: https://bank.gov.ua/ua/consumer-protection; correspondence and written inquiries address: 9 Instytutska St., Kyiv, 01601, tel. 0 800 505 240, email: [email protected], website: https://bank.gov.ua/.

  3. In certain disputed cases, the matter may also be resolved through the courts. In accordance with Part One of Article 4 of the Civil Procedure Code of Ukraine, every person has the right, in the manner established by this Code, to apply to the court for the protection of their violated, unrecognized, or disputed rights, freedoms, or legitimate interests.

All disputes arising between the Policyholder and the Insurer under concluded insurance contracts are resolved through negotiation, and if no agreement is reached, in accordance with the procedure established by current Ukrainian legislation.

+

Availability of Guarantee Funds or Compensation Schemes Applied in Accordance With Legislation

PJSC "ARSENAL INSURANCE" maintains a guarantee fund; no compensation schemes are available.

«Classic» (C)
+

Insured Risks

The insured risk/event under the insurance contract is: Under the "Assistance Expense Insurance" option: — Under insurance class 18, "Insurance of expenses related to providing assistance to persons in difficulty while traveling" (medical expenses risk): illness of the Insured Person (an acute illness or exacerbation of a chronic illness) or a health disorder resulting from an accident, occurring during the term of the insurance contract while the Insured Person is traveling abroad within the territory of coverage specified in the contract, which is not an exclusion or restriction under the contract's terms, as a result of which the Insured Person receives medical and other assistance/services under the Insurance Program specified in the contract, giving rise to the Insurer's obligation to make a payout by reimbursing documented expenses incurred in obtaining that assistance/those services. — Under insurance class 18 (non-medical expenses risk): an event provided for by the Insurance Program specified in the Insurance Contract, occurring during the contract's term while the Insured Person is traveling abroad within the territory of coverage, as a result of which the Insured Person incurs non-medical expenses related to receiving assistance while in difficulty abroad, which is not an exclusion or restriction under the contract's terms, giving rise to the Insurer's obligation to make a payout by reimbursing documented expenses incurred, or by covering such expenses. Under the "Accident Insurance" option (at the Policyholder's discretion): Permanent loss of general working capacity by the Insured Person (assignment of a disability group) resulting from an accident that occurred during the term of the insurance contract while the Insured Person is traveling abroad within the territory of coverage. Death of the Insured Person as a result of an accident that occurred during the term of the insurance contract while the Insured Person is traveling abroad within the territory of coverage.

+

Minimum and Maximum Insured Amount (Liability Limit), If the Minimum and Maximum Insured Amount Is Determined by the Terms of the Insurance Product

The minimum and maximum insured amount (liability limit) under the "Assistance Expense Insurance" option ranges from USD/EUR 5,000.00 to USD/EUR 50,000.00. The insured amount under this option is chosen by the Policyholder and specified in the insurance contract.

Note: For Schengen Area countries (Zone 2), the minimum insured amount must be EUR 30,000.00, in accordance with EU Council Regulation (Decision 2004/17/EC of December 22, 2003).

The minimum and maximum insured amount under the "Accident Insurance" option is UAH 10,000.00. The insured amount under this option is set at UAH 10,000.00 and specified in the insurance contract.

+

Minimum and Maximum Insurance Premium and/or Rate

The insurance rate for each Insured Person is determined separately depending on the selected insurance options, Insurance Program, purpose of travel, territory of coverage, insurance period, and other terms of the contract, as well as individual characteristics of the object of insurance. The insurance rate for each Insured Person is specified in the insurance contract.

The insurance premium is determined for each Insured Person for each selected insurance option and specified in the insurance contract. The total insurance premium equals the sum of the insurance premiums for all Insured Persons across all selected options. No minimum or maximum insurance rate or premium is provided for by the insurance product.

The insurance premium under the "Assistance Expense Insurance" option is calculated for each Insured Person by multiplying the insurance premium per day abroad (DP) by adjustment coefficients and by the official NBU exchange rate on the date the contract is concluded, converting hryvnia into the insurance currency.

The insurance premium per day abroad (DP) under this option is: DP (EUR/USD) = 0.228.

Under the "Accident Insurance" option, the insurance premium is calculated by multiplying the insurance premium per day abroad (DP) by the number of days spent abroad under the contract. DP per Insured Person equals UAH 0.20.

+

Type and Minimum/Maximum Amount of Deductible (If Applicable)

A deductible applies to the "Assistance Expense Insurance" option. Type of deductible: flat. The minimum and maximum deductible ranges from 0 to USD/EUR 250 (in the currency of the insured amount under this option). The deductible amount is chosen by the Policyholder and specified in the insurance contract. No deductible applies to the "Accident Insurance" option.

+

Territory of Coverage Under the Insurance Contract

Zone 1 — Republic of Armenia, Republic of Azerbaijan, Republic of Kazakhstan, Republic of Uzbekistan, Kyrgyz Republic, Republic of Moldova, Republic of Tajikistan, Turkmenistan; Zone 2 — Schengen Area, Liechtenstein, United Kingdom, Georgia, Republic of Croatia, Republic of Montenegro, Republic of Cyprus; Zone 3 — Turkey, Egypt, Morocco, Jordan, Republic of Tunisia; Zone 4 — USA; Zone 5 — the entire world (excluding the USA); Zone 6 — Republic of Indonesia, Republic of Cuba, Dominican Republic, Kingdom of Saudi Arabia, UAE, Sri Lanka, Republic of Fiji, Republic of the Philippines, Malaysia, Republic of Maldives, Republic of Mauritius, Kingdom of Thailand; Zone 7 — other countries chosen by the Policyholder and specified in the contract.

Coverage does not apply to: the territory of Ukraine; the Insured Person's country of permanent residence; the country of which the Insured Person is a citizen; zones of armed conflict or countries under UN monitoring/sanctions; other occupied territories or settlements where state authorities do not exercise their powers; epidemic zones defined by the WHO; and the territories of states carrying out armed aggression against Ukraine.

+

Term of the Insurance Contract

From 1 to 365 or 366 calendar days (depending on the number of calendar days in the year), by agreement of the parties.

+

Procedure for the Insurance Contract Coming Into Effect

The contract comes into effect at 00:00 Kyiv time on the start date specified in the contract, but no earlier than 00:00 Kyiv time on the day following receipt of the total insurance premium.

The Insurer's obligations to recognize events as insured and make payouts arise at the moment the Insured Person crosses the state border of Ukraine upon departure, but no earlier than the contract's effective date and time.

+

Insurance Period

The insurance period is specified in the contract and may not exceed 365 or 366 calendar days. It is the maximum number of days, within the contract's term, during which the Insurer bears the obligation to recognize insured events and make payouts. Both the departure day and return day count as full days for this calculation.

For a single trip: the total number of days of the insurance period is set for one trip.

Under the "MultiTravel" condition (unlimited trips within the specified insurance period): the Policyholder may choose one of the following (contract term/max period per trip): 60/1–30*; 90/30; 182/60; 182/90; 365(366)/30; 365(366)/60; 365(366)/90; 365(366)/182. *The number of days is determined per the option specified in the contract.

Events occurring after the cumulative days abroad reach the insurance period, or after a single trip exceeds 30 calendar days, are not considered insured events. Each new departure abroad restarts the Insurer's obligations from the moment of crossing the border. MultiTravel does not apply to Zone 1 countries.

+

Insurance Restrictions (If Applicable)

The life, health, or working capacity of a person cannot be an object of insurance if that person:

  • has been declared legally incapacitated;
  • has Group I, II, or III disability status, or is a child with a disability;
  • has cancer, AIDS, or is HIV-positive, or is registered at a narcological, psychoneurological, tuberculosis, dermatovenerological, or AIDS dispensary;
  • is younger than 1 year old at the time the contract comes into effect;
  • is older than 75 years old at the time the contract comes into effect;
  • has traveled contrary to a doctor's recommendations or with a health condition that does not permit travel.

Indirect losses and non-material damage also cannot be an object of insurance.

+

Object of Insurance

  • the life, health, and working capacity of the Insured Person, designated by the Policyholder in the insurance contract with their consent, while the Insured Person is traveling abroad — under the "Assistance Expense Insurance" option, for insuring medical expenses related to providing assistance to the Insured Person who finds themselves in difficulty while traveling abroad, and under the "Accident Insurance" option;

  • the possible expenses of the Insured Person, designated by the Policyholder in the insurance contract with their consent, that are directly related to the occurrence of an insured event while the Insured Person is traveling abroad — under the "Assistance Expense Insurance" option, for insuring non-medical expenses related to providing assistance to the Insured Person who finds themselves in difficulty while traveling abroad.

+

Possible Consequences for the Consumer in Case of Failure to Fulfill Obligations Under the Insurance Contract, Including Late Notification of an Insured Event Without Valid Reasons and Late Payment of the Insurance Premium or Its Subsequent Installment

Late notification of an insured event without valid reasons, or failure to fulfill other obligations under the contract or by law, is grounds for the Insurer to refuse a payout, if this made it impossible to establish the fact, causes, and circumstances of the event or the amount of losses.

If the insurance premium is not paid, the contract does not come into effect.

+

Information on the Possibility of Purchasing the Insurance Product Separately, If Such Product Is Offered Together With an Ancillary and/or Additional Good, Work, or Service That Is Not Insurance-Related, as a Component of a Single Package or Contract

The insurance contract is not ancillary to any other goods, works, or services that are not insurance-related.

+

Terms for Obtaining a Discount on the Insurance Product and the Insurer's Promotional Offers (If Any), Including Their Validity Periods

No discounts are provided for this insurance product. There are no promotional offers.

+

List of Information That Is Material to Assessing the Insured Risk, and/or Information About Other Circumstances Taken Into Account When Determining the Insurance Premium

The insurance options chosen; the Insurance Program chosen; the purpose of travel; the territory of coverage; the term of the contract and insurance period; the insured amount; the deductible amount; whether COVID-19 coverage applies; whether the "MultiTravel" condition applies; the number of Insured Persons; individual characteristics of the object of insurance (age; legal capacity; disability status; dispensary registration; cancer/AIDS/HIV status; prior insured events; chronic diseases; hereditary diseases or congenital defects; a history of regular inpatient treatment more than once a year; other relevant health information); and objective risk factors (geographic/climatic zone, sanitary-epidemiological situation, and political-economic situation in the destination country).

Information about the Policyholder's insurance needs and requirements.

+

Consumer Notice on the Need to Review, Prior to Concluding the Insurance Contract, Information About Exclusions From Insured Events and Grounds for Refusal to Make Insurance Payouts, the Insurer's Liability Limits for a Specific Object of Insurance, Insured Risk, and/or Insured Event, as Well as the Procedure for Calculating and the Terms for Making Insurance Payouts, Including a Reference to Such Information

Before concluding the insurance contract, the consumer needs to review the following information:

  • exclusions from insured events and grounds for refusal to make insurance payouts,
  • the Insurer's liability limits for a specific object of insurance, insured risk, and/or insured event,
  • the procedure for calculating and the terms for making insurance payouts.

This information can be found in the General Terms of the Insurance Product, available here, and in the Insurance Product Information Document, available here.

+

Procedure and Terms for the Provision of Services

Before concluding the insurance contract, the Insurer (insurance intermediary), based on information received from the client, determines the client's insurance needs and requirements. For this purpose, the client is asked to complete an insurance application in the form established by the Insurer. If the client requires individual advice, the Insurer (insurance intermediary) provides such advice upon the client's request. This individual advice is provided free of charge. Before concluding the insurance contract, the Insurer (insurance intermediary) provides the client with accessible and comprehensive information about the insurance product, about the insurer, and about the insurance intermediary (if the insurance product is sold through an insurance intermediary). The insurance contract is concluded in writing. The insurance contract may be executed in paper form or as an electronic document.

+

Cost, Price/Rates, and Fee Amount (Interest, Commissions) for the Insurance Product

Under the insurance contract, the Policyholder pays an insurance premium. The insurance contract does not provide for any other payments besides the insurance premium (such as interest, commissions, etc.). The insurance premium is calculated based on information provided by the Policyholder when concluding the insurance contract. The insurance premium is calculated within the minimum and maximum insurance premium and/or insurance rate specified above for this insurance product.

+

Total Amount of Expenses, Including Fees, Payments, and Other Costs the Consumer Must Pay in Connection With Receiving the Financial Service, Including Taxes, or, If the Specific Amount Cannot Be Determined, the Procedure for Determining Such Expenses

When concluding the insurance contract, the Policyholder pays only the insurance premium provided for by the insurance contract. In accordance with subparagraph 165.1.27 of paragraph 165.1 of Article 165 of the Tax Code of Ukraine, the following income is not included in a taxpayer's total monthly (annual) taxable income: the amount of an insurance payout, insurance compensation, or surrender value received by the taxpayer under an insurance contract from a resident insurer, other than long-term life insurance (including lifetime pension insurance) and non-state pension provision, provided the following conditions are met: a) for life or health insurance of the taxpayer, in the case of: the insured person surviving to the date or event specified in the life insurance contract, or reaching the age specified in such contract; the surrender value, to the extent it does not exceed the sum of insurance payments made under a life insurance contract other than long-term life insurance; in the event of an insured event — the fact that harm was caused to the insured person must be duly confirmed. If the insured person dies, the insurance payout due to beneficiaries or heirs is taxed according to the rules and rates established for inheritance taxation (a beneficiary is treated as an heir for this purpose); b) for property insurance, the amount of insurance compensation may not exceed the value of the insured property, determined at market prices as of the date the insurance contract was concluded, increased by the amount of insurance payments (contributions, premiums) paid; c) for civil liability insurance, the amount of insurance compensation may not exceed the amount of harm actually caused to the beneficiary, as determined at market prices as of the date of such insurance payout. Provided the above conditions are met, no taxes or fees are payable by the Policyholder as a result of receiving the financial service.

+

Consumer's Right of Withdrawal, Right to Terminate or Cancel the Contract, Right of Early Performance, and the Procedure and Consequences of Exercising Such Rights

The insurance contract terminates and loses validity by agreement of the parties to the contract, as well as in the event of: the expiration of the contract's term; the Insurer having fulfilled all obligations to the Policyholder; non-payment/late payment of the next installment of the insurance premium; liquidation of the Insurer, liquidation of a Policyholder that is a legal entity, or the death of a Policyholder who is an individual (except as provided for by the Law of Ukraine "On Insurance"); a court decision declaring the insurance contract invalid entering into legal force; other cases provided for by Ukrainian legislation and the insurance contract.

  • Either party must notify the other party in writing (electronic form) of its intent to terminate the insurance contract early no later than 30 calendar days before the termination date.
  • In the event of early termination at the request of the Policyholder or the Insurer due to the Policyholder's failure to comply with the contract's terms, the Insurer refunds the premium paid for the remaining period, minus expenses directly related to concluding and performing the contract and any payouts already made.
  • In the event of early termination at the Insurer's request, or on the Policyholder's initiative due to the Insurer's violation of the contract's terms, the Policyholder is refunded the full premium paid.
  • Expenses directly related to concluding and performing the contract are deducted in the amount corresponding to the share specified in the contract.
  • The Insurer refunds the paid premium (or a portion thereof) within 10 business days of the termination date, to the Policyholder's bank account or by another means via payment systems.
  • If there are unresolved insured events at termination, the Insurer refunds the premium (or a portion thereof) after such events are settled.
  • If the Policyholder is included on a list of persons associated with terrorist activity or subject to international and/or other sanctions, the refund occurs after removal from such list.
  • The paid premium is not refunded if the contract terminates early due to the Insurer having fully performed its obligations to the Policyholder.

The Policyholder has the right, within 30 calendar days of concluding the contract, to withdraw without giving a reason (if the contract's term exceeds 30 calendar days and no notifications of insured events have been made).

  • The Insurer refunds the paid premium (or a portion thereof) within 10 business days of receiving the withdrawal notice.

+

Procedure for Amending the Insurance Contract

The insurance contract does not provide for unilateral amendment of its terms.

Amendments to the insurance contract are made by mutual written consent of the Parties. Amendments are made by concluding additional contracts/additional agreements to the insurance contract.

A Party that considers it necessary to amend the terms of the insurance contract sends a proposal to that effect to the other Party, in accordance with the terms of the insurance contract.

If the Parties fail to reach agreement on amending the terms of the insurance contract, it continues to be in effect on its previously agreed terms, or it may be terminated early by the Parties.

+

Availability and Procedure for Handling Complaints and Out-of-Court Dispute Resolution

When providing insurance services to Consumers, PJSC "ARSENAL INSURANCE" complies with all applicable consumer protection legislation, cares about its Consumers' rights, and is committed to resolving issues raised by consumers.

PJSC "ARSENAL INSURANCE" also considers it important, at every stage of reviewing an inquiry, to inform Consumers of their rights, and to note that PJSC "ARSENAL INSURANCE" reviews client inquiries (proposals, comments, applications, complaints) from both legal entities and individuals in accordance with current Ukrainian legislation and the Procedure for Interaction with Consumers and Handling Inquiries (across all channels) approved by PJSC "ARSENAL INSURANCE."

A client has the right, either personally or through an authorized representative, to submit (send) inquiries to PJSC "ARSENAL INSURANCE" concerning the activities of the company and/or its employees.

Consumers have free access to information about insurance services published on the PJSC "ARSENAL INSURANCE" website at: https://arsenal-ic.ua/, as well as at service locations.

Any issues that arise for a client are resolved as follows:

  1. Out of court, through a verbal or written inquiry sent to the email address [email protected], sent or submitted directly to the company's registered address: 154 Borshchahivska St., Kyiv, 03056, Ukraine, or reported by phone at 0-800-60-44-53. To protect the rights of the Policyholder as a consumer of insurance services, PJSC "ARSENAL INSURANCE" has established a dedicated competent commission to review applications, comments, proposals, and complaints, located at 154 Borshchahivska St., Kyiv, 03056, tel. 0-800-60-44-53, email [email protected]. Such inquiries, which must be submitted in writing, are reviewed within the procedure and timeframes established by the Laws of Ukraine "On Consumer Protection" and "On Citizens' Appeals."

  2. If the Consumer disagrees with the decision made regarding their inquiry/complaint/claim, they may appeal such decision by contacting the Regulator — through the official website of the National Bank of Ukraine: https://bank.gov.ua/ua/consumer-protection; correspondence and written inquiries address: 9 Instytutska St., Kyiv, 01601, tel. 0 800 505 240, email: [email protected], website: https://bank.gov.ua/.

  3. In certain disputed cases, the matter may also be resolved through the courts. In accordance with Part One of Article 4 of the Civil Procedure Code of Ukraine, every person has the right, in the manner established by this Code, to apply to the court for the protection of their violated, unrecognized, or disputed rights, freedoms, or legitimate interests.

All disputes arising between the Policyholder and the Insurer under concluded insurance contracts are resolved through negotiation, and if no agreement is reached, in accordance with the procedure established by current Ukrainian legislation.

+

Availability of Guarantee Funds or Compensation Schemes Applied in Accordance With Legislation

PJSC "ARSENAL INSURANCE" maintains a guarantee fund; no compensation schemes are available.

«Gold» (G)
+

Insured Risks

The insured risk/event under the insurance contract is:

Under the "Assistance Expense Insurance" option:

— Under insurance class 18, "Insurance of expenses related to providing assistance to persons in difficulty while traveling" (medical expenses risk): illness of the Insured Person (an acute illness or exacerbation of a chronic illness) or a health disorder resulting from an accident, occurring during the term of the insurance contract while the Insured Person is traveling abroad within the territory of coverage specified in the contract, which is not an exclusion or restriction under the contract's terms, as a result of which the Insured Person receives medical and other assistance/services under the Insurance Program specified in the contract, giving rise to the Insurer's obligation to make a payout by reimbursing documented expenses incurred in obtaining that assistance/those services.

— Under insurance class 18 (non-medical expenses risk): an event provided for by the Insurance Program specified in the Insurance Contract, occurring during the contract's term while the Insured Person is traveling abroad within the territory of coverage, as a result of which the Insured Person incurs non-medical expenses related to receiving assistance while in difficulty abroad, which is not an exclusion or restriction under the contract's terms, giving rise to the Insurer's obligation to make a payout by reimbursing documented expenses incurred, or by covering such expenses.

Under the "Accident Insurance" option (at the Policyholder's discretion):

Permanent loss of general working capacity by the Insured Person (assignment of a disability group) resulting from an accident that occurred during the term of the insurance contract while the Insured Person is traveling abroad within the territory of coverage.

Death of the Insured Person as a result of an accident that occurred during the term of the insurance contract while the Insured Person is traveling abroad within the territory of coverage.

+

Minimum and Maximum Insured Amount (Liability Limit), If the Minimum and Maximum Insured Amount Is Determined by the Terms of the Insurance Product

The minimum and maximum insured amount (liability limit) under the "Assistance Expense Insurance" option ranges from USD/EUR 5,000.00 to USD/EUR 50,000.00. The insured amount under this option is chosen by the Policyholder and specified in the insurance contract.

Note: For Schengen Area countries (Zone 2), the minimum insured amount must be EUR 30,000.00, in accordance with EU Council Regulation (Decision 2004/17/EC of December 22, 2003).

The minimum and maximum insured amount under the "Accident Insurance" option is UAH 10,000.00. The insured amount under this option is set at UAH 10,000.00 and specified in the insurance contract.

+

Minimum and Maximum Insurance Premium and/or Rate

The insurance rate for each Insured Person is determined separately depending on the selected insurance options, Insurance Program, purpose of travel, territory of coverage, insurance period, and other terms of the contract, as well as individual characteristics of the object of insurance. The insurance rate for each Insured Person is specified in the insurance contract.

The insurance premium is determined for each Insured Person for each selected insurance option and specified in the insurance contract. The total insurance premium equals the sum of the insurance premiums for all Insured Persons across all selected options. No minimum or maximum insurance rate or premium is provided for by the insurance product.

The insurance premium under the "Assistance Expense Insurance" option is calculated for each Insured Person by multiplying the insurance premium per day abroad (DP) by adjustment coefficients and by the official NBU exchange rate on the date the contract is concluded, converting hryvnia into the insurance currency.

The insurance premium per day abroad (DP) under this option is: DP (EUR/USD) = 0.228.

Under the "Accident Insurance" option, the insurance premium is calculated by multiplying the insurance premium per day abroad (DP) by the number of days spent abroad under the contract. DP per Insured Person equals UAH 0.20.

+

Type and Minimum/Maximum Amount of Deductible (If Applicable)

A deductible applies to the "Assistance Expense Insurance" option. Type of deductible: flat. The minimum and maximum deductible ranges from 0 to USD/EUR 250 (in the currency of the insured amount under this option). The deductible amount is chosen by the Policyholder and specified in the insurance contract. No deductible applies to the "Accident Insurance" option.

+

Territory of Coverage Under the Insurance Contract

Zone 1 — Republic of Armenia, Republic of Azerbaijan, Republic of Kazakhstan, Republic of Uzbekistan, Kyrgyz Republic, Republic of Moldova, Republic of Tajikistan, Turkmenistan; Zone 2 — Schengen Area, Liechtenstein, United Kingdom, Georgia, Republic of Croatia, Republic of Montenegro, Republic of Cyprus; Zone 3 — Turkey, Egypt, Morocco, Jordan, Republic of Tunisia; Zone 4 — USA; Zone 5 — the entire world (excluding the USA); Zone 6 — Republic of Indonesia, Republic of Cuba, Dominican Republic, Kingdom of Saudi Arabia, UAE, Sri Lanka, Republic of Fiji, Republic of the Philippines, Malaysia, Republic of Maldives, Republic of Mauritius, Kingdom of Thailand; Zone 7 — other countries chosen by the Policyholder and specified in the contract.

Coverage does not apply to: the territory of Ukraine; the Insured Person's country of permanent residence; the country of which the Insured Person is a citizen; zones of armed conflict or countries under UN monitoring/sanctions; other occupied territories or settlements where state authorities do not exercise their powers; epidemic zones defined by the WHO; and the territories of states carrying out armed aggression against Ukraine.

+

Term of the Insurance Contract

From 1 to 365 or 366 calendar days (depending on the number of calendar days in the year), by agreement of the parties.

+

Procedure for the Insurance Contract Coming Into Effect

The contract comes into effect at 00:00 Kyiv time on the start date specified in the contract, but no earlier than 00:00 Kyiv time on the day following receipt of the total insurance premium.

The Insurer's obligations to recognize events as insured and make payouts arise at the moment the Insured Person crosses the state border of Ukraine upon departure, but no earlier than the contract's effective date and time.

+

Insurance Period

The insurance period is specified in the contract and may not exceed 365 or 366 calendar days. It is the maximum number of days, within the contract's term, during which the Insurer bears the obligation to recognize insured events and make payouts. Both the departure day and return day count as full days for this calculation.

For a single trip: the total number of days of the insurance period is set for one trip.

Under the "MultiTravel" condition (unlimited trips within the specified insurance period): the Policyholder may choose one of the following (contract term/max period per trip): 60/1–30*; 90/30; 182/60; 182/90; 365(366)/30; 365(366)/60; 365(366)/90; 365(366)/182. *The number of days is determined per the option specified in the contract.

Events occurring after the cumulative days abroad reach the insurance period, or after a single trip exceeds 30 calendar days, are not considered insured events. Each new departure abroad restarts the Insurer's obligations from the moment of crossing the border. MultiTravel does not apply to Zone 1 countries.

+

Insurance Restrictions (If Applicable)

The life, health, or working capacity of a person cannot be an object of insurance if that person:

  • has been declared legally incapacitated;
  • has Group I, II, or III disability status, or is a child with a disability;
  • has cancer, AIDS, or is HIV-positive, or is registered at a narcological, psychoneurological, tuberculosis, dermatovenerological, or AIDS dispensary;
  • is younger than 1 year old at the time the contract comes into effect;
  • is older than 75 years old at the time the contract comes into effect;
  • has traveled contrary to a doctor's recommendations or with a health condition that does not permit travel.

Indirect losses and non-material damage also cannot be an object of insurance.

+

Object of Insurance

  • the life, health, and working capacity of the Insured Person, designated by the Policyholder in the insurance contract with their consent, while the Insured Person is traveling abroad — under the "Assistance Expense Insurance" option, for insuring medical expenses related to providing assistance to the Insured Person who finds themselves in difficulty while traveling abroad, and under the "Accident Insurance" option;

  • the possible expenses of the Insured Person, designated by the Policyholder in the insurance contract with their consent, that are directly related to the occurrence of an insured event while the Insured Person is traveling abroad — under the "Assistance Expense Insurance" option, for insuring non-medical expenses related to providing assistance to the Insured Person who finds themselves in difficulty while traveling abroad.

+

Possible Consequences for the Consumer in Case of Failure to Fulfill Obligations Under the Insurance Contract, Including Late Notification of an Insured Event Without Valid Reasons and Late Payment of the Insurance Premium or Its Subsequent Installment

Late notification of an insured event without valid reasons, or failure to fulfill other obligations under the contract or by law, is grounds for the Insurer to refuse a payout, if this made it impossible to establish the fact, causes, and circumstances of the event or the amount of losses.

If the insurance premium is not paid, the contract does not come into effect.

+

Information on the Possibility of Purchasing the Insurance Product Separately, If Such Product Is Offered Together With an Ancillary and/or Additional Good, Work, or Service That Is Not Insurance-Related, as a Component of a Single Package or Contract

The insurance contract is not ancillary to any other goods, works, or services that are not insurance-related.

+

Terms for Obtaining a Discount on the Insurance Product and the Insurer's Promotional Offers (If Any), Including Their Validity Periods

No discounts are provided for this insurance product. There are no promotional offers.

+

List of Information That Is Material to Assessing the Insured Risk, and/or Information About Other Circumstances Taken Into Account When Determining the Insurance Premium

The insurance options chosen; the Insurance Program chosen; the purpose of travel; the territory of coverage; the term of the contract and insurance period; the insured amount; the deductible amount; whether COVID-19 coverage applies; whether the "MultiTravel" condition applies; the number of Insured Persons; individual characteristics of the object of insurance (age; legal capacity; disability status; dispensary registration; cancer/AIDS/HIV status; prior insured events; chronic diseases; hereditary diseases or congenital defects; a history of regular inpatient treatment more than once a year; other relevant health information); and objective risk factors (geographic/climatic zone, sanitary-epidemiological situation, and political-economic situation in the destination country).

Information about the Policyholder's insurance needs and requirements.

+

Consumer Notice on the Need to Review, Prior to Concluding the Insurance Contract, Information About Exclusions From Insured Events and Grounds for Refusal to Make Insurance Payouts, the Insurer's Liability Limits for a Specific Object of Insurance, Insured Risk, and/or Insured Event, as Well as the Procedure for Calculating and the Terms for Making Insurance Payouts, Including a Reference to Such Information

Before concluding the insurance contract, the consumer needs to review the following information:

  • exclusions from insured events and grounds for refusal to make insurance payouts,
  • the Insurer's liability limits for a specific object of insurance, insured risk, and/or insured event,
  • the procedure for calculating and the terms for making insurance payouts.

This information can be found in the General Terms of the Insurance Product, available here, and in the Insurance Product Information Document, available here.

+

Procedure and Terms for the Provision of Services

Before concluding the insurance contract, the Insurer (insurance intermediary), based on information received from the client, determines the client's insurance needs and requirements. For this purpose, the client is asked to complete an insurance application in the form established by the Insurer. If the client requires individual advice, the Insurer (insurance intermediary) provides such advice upon the client's request. This individual advice is provided free of charge. Before concluding the insurance contract, the Insurer (insurance intermediary) provides the client with accessible and comprehensive information about the insurance product, about the insurer, and about the insurance intermediary (if the insurance product is sold through an insurance intermediary). The insurance contract is concluded in writing. The insurance contract may be executed in paper form or as an electronic document.

+

Cost, Price/Rates, and Fee Amount (Interest, Commissions) for the Insurance Product

Under the insurance contract, the Policyholder pays an insurance premium. The insurance contract does not provide for any other payments besides the insurance premium (such as interest, commissions, etc.). The insurance premium is calculated based on information provided by the Policyholder when concluding the insurance contract. The insurance premium is calculated within the minimum and maximum insurance premium and/or insurance rate specified above for this insurance product.

+

Total Amount of Expenses, Including Fees, Payments, and Other Costs the Consumer Must Pay in Connection With Receiving the Financial Service, Including Taxes, or, If the Specific Amount Cannot Be Determined, the Procedure for Determining Such Expenses

When concluding the insurance contract, the Policyholder pays only the insurance premium provided for by the insurance contract. In accordance with subparagraph 165.1.27 of paragraph 165.1 of Article 165 of the Tax Code of Ukraine, the following income is not included in a taxpayer's total monthly (annual) taxable income: the amount of an insurance payout, insurance compensation, or surrender value received by the taxpayer under an insurance contract from a resident insurer, other than long-term life insurance (including lifetime pension insurance) and non-state pension provision, provided the following conditions are met: a) for life or health insurance of the taxpayer, in the case of: the insured person surviving to the date or event specified in the life insurance contract, or reaching the age specified in such contract; the surrender value, to the extent it does not exceed the sum of insurance payments made under a life insurance contract other than long-term life insurance; in the event of an insured event — the fact that harm was caused to the insured person must be duly confirmed. If the insured person dies, the insurance payout due to beneficiaries or heirs is taxed according to the rules and rates established for inheritance taxation (a beneficiary is treated as an heir for this purpose); b) for property insurance, the amount of insurance compensation may not exceed the value of the insured property, determined at market prices as of the date the insurance contract was concluded, increased by the amount of insurance payments (contributions, premiums) paid; c) for civil liability insurance, the amount of insurance compensation may not exceed the amount of harm actually caused to the beneficiary, as determined at market prices as of the date of such insurance payout. Provided the above conditions are met, no taxes or fees are payable by the Policyholder as a result of receiving the financial service.

+

Consumer's Right of Withdrawal, Right to Terminate or Cancel the Contract, Right of Early Performance, and the Procedure and Consequences of Exercising Such Rights

The insurance contract terminates and loses validity by agreement of the parties to the contract, as well as in the event of: the expiration of the contract's term; the Insurer having fulfilled all obligations to the Policyholder; non-payment/late payment of the next installment of the insurance premium; liquidation of the Insurer, liquidation of a Policyholder that is a legal entity, or the death of a Policyholder who is an individual (except as provided for by the Law of Ukraine "On Insurance"); a court decision declaring the insurance contract invalid entering into legal force; other cases provided for by Ukrainian legislation and the insurance contract.

  • Either party must notify the other party in writing (electronic form) of its intent to terminate the insurance contract early no later than 30 calendar days before the termination date.
  • In the event of early termination at the request of the Policyholder or the Insurer due to the Policyholder's failure to comply with the contract's terms, the Insurer refunds the premium paid for the remaining period, minus expenses directly related to concluding and performing the contract and any payouts already made.
  • In the event of early termination at the Insurer's request, or on the Policyholder's initiative due to the Insurer's violation of the contract's terms, the Policyholder is refunded the full premium paid.
  • Expenses directly related to concluding and performing the contract are deducted in the amount corresponding to the share specified in the contract.
  • The Insurer refunds the paid premium (or a portion thereof) within 10 business days of the termination date, to the Policyholder's bank account or by another means via payment systems.
  • If there are unresolved insured events at termination, the Insurer refunds the premium (or a portion thereof) after such events are settled.
  • If the Policyholder is included on a list of persons associated with terrorist activity or subject to international and/or other sanctions, the refund occurs after removal from such list.
  • The paid premium is not refunded if the contract terminates early due to the Insurer having fully performed its obligations to the Policyholder.

The Policyholder has the right, within 30 calendar days of concluding the contract, to withdraw without giving a reason (if the contract's term exceeds 30 calendar days and no notifications of insured events have been made).

  • The Insurer refunds the paid premium (or a portion thereof) within 10 business days of receiving the withdrawal notice.

+

Procedure for Amending the Insurance Contract

The insurance contract does not provide for unilateral amendment of its terms.

Amendments to the insurance contract are made by mutual written consent of the Parties. Amendments are made by concluding additional contracts/additional agreements to the insurance contract.

A Party that considers it necessary to amend the terms of the insurance contract sends a proposal to that effect to the other Party, in accordance with the terms of the insurance contract.

If the Parties fail to reach agreement on amending the terms of the insurance contract, it continues to be in effect on its previously agreed terms, or it may be terminated early by the Parties.

+

Availability and Procedure for Handling Complaints and Out-of-Court Dispute Resolution

When providing insurance services to Consumers, PJSC "ARSENAL INSURANCE" complies with all applicable consumer protection legislation, cares about its Consumers' rights, and is committed to resolving issues raised by consumers.

PJSC "ARSENAL INSURANCE" also considers it important, at every stage of reviewing an inquiry, to inform Consumers of their rights, and to note that PJSC "ARSENAL INSURANCE" reviews client inquiries (proposals, comments, applications, complaints) from both legal entities and individuals in accordance with current Ukrainian legislation and the Procedure for Interaction with Consumers and Handling Inquiries (across all channels) approved by PJSC "ARSENAL INSURANCE."

A client has the right, either personally or through an authorized representative, to submit (send) inquiries to PJSC "ARSENAL INSURANCE" concerning the activities of the company and/or its employees.

Consumers have free access to information about insurance services published on the PJSC "ARSENAL INSURANCE" website at: https://arsenal-ic.ua/, as well as at service locations.

Any issues that arise for a client are resolved as follows:

  1. Out of court, through a verbal or written inquiry sent to the email address [email protected], sent or submitted directly to the company's registered address: 154 Borshchahivska St., Kyiv, 03056, Ukraine, or reported by phone at 0-800-60-44-53. To protect the rights of the Policyholder as a consumer of insurance services, PJSC "ARSENAL INSURANCE" has established a dedicated competent commission to review applications, comments, proposals, and complaints, located at 154 Borshchahivska St., Kyiv, 03056, tel. 0-800-60-44-53, email [email protected]. Such inquiries, which must be submitted in writing, are reviewed within the procedure and timeframes established by the Laws of Ukraine "On Consumer Protection" and "On Citizens' Appeals."

  2. If the Consumer disagrees with the decision made regarding their inquiry/complaint/claim, they may appeal such decision by contacting the Regulator — through the official website of the National Bank of Ukraine: https://bank.gov.ua/ua/consumer-protection; correspondence and written inquiries address: 9 Instytutska St., Kyiv, 01601, tel. 0 800 505 240, email: [email protected], website: https://bank.gov.ua/.

  3. In certain disputed cases, the matter may also be resolved through the courts. In accordance with Part One of Article 4 of the Civil Procedure Code of Ukraine, every person has the right, in the manner established by this Code, to apply to the court for the protection of their violated, unrecognized, or disputed rights, freedoms, or legitimate interests.

All disputes arising between the Policyholder and the Insurer under concluded insurance contracts are resolved through negotiation, and if no agreement is reached, in accordance with the procedure established by current Ukrainian legislation.

+

Availability of Guarantee Funds or Compensation Schemes Applied in Accordance With Legislation

PJSC "ARSENAL INSURANCE" maintains a guarantee fund; no compensation schemes are available.

«Platinum» (P)
+

Insured Risks

The insured risk/event under the insurance contract is:

Under the "Assistance Expense Insurance" option:

— Under insurance class 18, "Insurance of expenses related to providing assistance to persons in difficulty while traveling" (medical expenses risk): illness of the Insured Person (an acute illness or exacerbation of a chronic illness) or a health disorder resulting from an accident, occurring during the term of the insurance contract while the Insured Person is traveling abroad within the territory of coverage specified in the contract, which is not an exclusion or restriction under the contract's terms, as a result of which the Insured Person receives medical and other assistance/services under the Insurance Program specified in the contract, giving rise to the Insurer's obligation to make a payout by reimbursing documented expenses incurred in obtaining that assistance/those services.

— Under insurance class 18 (non-medical expenses risk): an event provided for by the Insurance Program specified in the Insurance Contract, occurring during the contract's term while the Insured Person is traveling abroad within the territory of coverage, as a result of which the Insured Person incurs non-medical expenses related to receiving assistance while in difficulty abroad, which is not an exclusion or restriction under the contract's terms, giving rise to the Insurer's obligation to make a payout by reimbursing documented expenses incurred, or by covering such expenses.

Under the "Accident Insurance" option (at the Policyholder's discretion):

Permanent loss of general working capacity by the Insured Person (assignment of a disability group) resulting from an accident that occurred during the term of the insurance contract while the Insured Person is traveling abroad within the territory of coverage.

Death of the Insured Person as a result of an accident that occurred during the term of the insurance contract while the Insured Person is traveling abroad within the territory of coverage.

+

Minimum and Maximum Insured Amount (Liability Limit), If the Minimum and Maximum Insured Amount Is Determined by the Terms of the Insurance Product

The minimum and maximum insured amount (liability limit) under the "Assistance Expense Insurance" option ranges from USD/EUR 5,000.00 to USD/EUR 50,000.00. The insured amount under this option is chosen by the Policyholder and specified in the insurance contract.

Note: For Schengen Area countries (Zone 2), the minimum insured amount must be EUR 30,000.00, in accordance with EU Council Regulation (Decision 2004/17/EC of December 22, 2003).

The minimum and maximum insured amount under the "Accident Insurance" option is UAH 10,000.00. The insured amount under this option is set at UAH 10,000.00 and specified in the insurance contract.

+

Minimum and Maximum Insurance Premium and/or Rate

The insurance rate for each Insured Person is determined separately under the insurance contract depending on the selected insurance options, Insurance Program, purpose of travel, territory of coverage, insurance period, and other terms of the contract, as well as individual characteristics of the object of insurance. The insurance rate for each Insured Person, for the insurance options provided for by the contract, is specified in the insurance contract.

The insurance premium is determined for each Insured Person for the insurance options provided for by the contract and is specified in the insurance contract. The total insurance premium under the contract equals the sum of the insurance premiums for all insurance options provided for by the contract, when insuring all Insured Persons. No minimum or maximum insurance rate or premium is provided for by the insurance product for the insurance options under the contract.

The insurance premium under the "Assistance Expense Insurance" option is calculated for each Insured Person separately by sequentially multiplying the insurance premium per day abroad (DP) by adjustment coefficients and by the official exchange rate of the National Bank of Ukraine (NBU) on the date the contract is concluded, converting hryvnia to the insurance currency specified in the contract.

The insurance premium under the "Assistance Expense Insurance" option per day abroad (DP) is:
DP (EUR/USD) = 0.228.

Under the "Accident Insurance" option, the insurance premium is calculated for each Insured Person by multiplying the insurance premium per day abroad (DP) by the number of days spent abroad under the contract. DP per Insured Person equals UAH 0.20.

+

Type and Minimum/Maximum Amount of Deductible (If Applicable)

A deductible is established under the insurance contract for the "Assistance Expense Insurance" option. Type of deductible: flat (the insurance payout for each insured event under the "Assistance Expense Insurance" option is reduced by the deductible amount). The minimum and maximum deductible ranges from 0 to USD/EUR 250 (in the currency in which the insured amount is denominated under the "Assistance Expense Insurance" option). The deductible amount under the "Assistance Expense Insurance" option is chosen by the Policyholder and specified in the insurance contract. No deductible applies to the "Accident Insurance" option.

+

Territory of Coverage Under the Insurance Contract

The territory of coverage specified in the Insurance Contract:

Zone 1 — Republic of Armenia, Republic of Azerbaijan, Republic of Kazakhstan, Republic of Uzbekistan, Kyrgyz Republic, Republic of Moldova, Republic of Tajikistan, Turkmenistan;
Zone 2 — Schengen Area, Liechtenstein, United Kingdom, Georgia, Republic of Croatia, Republic of Montenegro, Republic of Cyprus;
Zone 3 — Turkey, Egypt, Morocco, Jordan, Republic of Tunisia;
Zone 4 — USA;
Zone 5 — The entire world (excluding the USA);
Zone 6 — Republic of Indonesia, Republic of Cuba, Dominican Republic, Kingdom of Saudi Arabia, UAE, Sri Lanka, Republic of Fiji, Republic of the Philippines, Malaysia, Republic of Maldives, Republic of Mauritius, Kingdom of Thailand;
Zone 7 — Other countries, namely: one or more countries chosen by the Policyholder and specified in the Insurance Contract.

Insurance coverage under the insurance contract does not apply to:

  • the territory of Ukraine;
  • the territory of the Insured Person's country of permanent residence;
  • the territory of the country of which the Insured Person is a citizen;
  • zones of armed conflict and territories of countries under UN monitoring or sanctions, territories of war or armed conflict or any area controlled by terrorists, illegal armed groups, etc., other occupied territories, territories of settlements where state authorities temporarily do not exercise or do not fully exercise their powers, territories of states not recognized by Ukraine in the established manner;
  • epidemic zones as defined by the World Health Organization (hereinafter — "WHO");
  • the territories of states carrying out armed aggression against Ukraine.

+

Term of the Insurance Contract

The minimum and maximum term of the insurance contract is from 1 to 365 or 366 calendar days (depending on the number of calendar days in the year). The term of the insurance contract is set by agreement of the parties.

+

Procedure for the Insurance Contract Coming Into Effect

The insurance contract comes into effect at 00:00 Kyiv time on the date specified in the insurance contract as the start date, but no earlier than 00:00 Kyiv time on the day following the date the total insurance premium specified in the insurance contract is received.

At the same time, the Insurer's obligations to recognize events as insured and to make insurance payouts for insured events provided for by the terms of the insurance contract arise at the moment the Insured Person crosses the state border of Ukraine upon departure, but no earlier than 00:00 Kyiv time on the date the insurance contract comes into effect.

+

Insurance Period

The insurance period under the insurance contract is specified in the insurance contract and may not exceed 365 or 366 calendar days (depending on the number of calendar days in the year).

The insurance period under the insurance contract is the maximum number of days, specified in the insurance contract, within the contract's term, during which the Insurer bears the obligation to recognize events as insured and to make insurance payouts for insured events provided for by the terms of the insurance contract. The term of insurance coverage under the insurance contract is established in accordance with the total number of days of the insurance period specified in the insurance contract. The day the Insured Person crosses the state border of Ukraine upon departure, and the day they cross the state border upon entry into the territory of Ukraine or the territory of their country of permanent residence, are counted as full days for the purposes of calculating the number of days of the insurance period under the insurance contract, regardless of the time the border was crossed.

The insurance period under the insurance contract is established subject to the following conditions:

  • When concluding an insurance contract under the "For a Single Trip" condition: the total number of days of the insurance period specified in the Insurance Contract is set for a single trip.
  • When concluding an insurance contract under the "For an Unlimited Number of Trips During the Insurance Period Specified in the Insurance Contract" condition (hereinafter — "MultiTravel"):

The Policyholder may choose one of the following options for the insurance contract under the MultiTravel condition (the first number corresponds to the number of days of the contract's term, the second, after the slash, to the maximum number of days of the insurance period): 60/1–30*; 90/30; 182/60; 182/90; 365(366)/30; 365(366)/60; 365(366)/90; 365(366)/182.
*The number of days of the insurance period under this MultiTravel option is determined in accordance with the number of days of the insurance period specified in the insurance contract.

The MultiTravel option chosen by the Policyholder is specified in the insurance contract. The start and end dates of the insurance contract are specified in the insurance contract in accordance with the MultiTravel option chosen by the Policyholder. The number of days of the insurance period is specified in the insurance contract in accordance with the MultiTravel option chosen by the Policyholder.

Events that occur to the Insured Person after the cumulative number of days spent abroad reaches the insurance period are not considered insured events, and no insurance payouts are made for them.

The number of days of the insurance period specified in the insurance contract is set for several trips within the term of the insurance contract. The duration of a single trip may not exceed 30 calendar days. Events that occur to the Insured Person after the 30th day of continuous stay abroad are not considered insured events, and no insurance payouts are made for them.

Each time the Insured Person departs abroad again, the Insurer's obligations to recognize events as insured and to make insurance payouts arise at the moment the Insured Person crosses the state border of Ukraine upon departure.

An insurance contract with the MultiTravel condition does not apply in Zone 1 countries (Republic of Armenia, Republic of Azerbaijan, Republic of Kazakhstan, Republic of Uzbekistan, Kyrgyz Republic, Republic of Moldova, Republic of Tajikistan, Turkmenistan).

+

Insurance Restrictions (If Applicable)

The life, health, or working capacity of a person cannot be an object of insurance if that person:

  • has been declared legally incapacitated in accordance with the procedure established by law;
  • has been assigned Group I, II, or III disability status, or is a child with a disability since childhood or a person with a disability since childhood;
  • at the time the insurance contract is concluded, has cancer, AIDS, or is HIV-positive, and/or is registered at a dispensary, including but not limited to a narcological, psychoneurological, tuberculosis, or dermatovenerological dispensary, or an AIDS prevention and control center;
  • is younger than 1 (one) year old at the time the insurance contract comes into effect;
  • is older than 75 (seventy-five) years old at the time the insurance contract comes into effect;
  • has traveled contrary to a doctor's recommendations or with a health condition that, according to medical indications, does not permit them to travel.

The following also cannot be an object of insurance: indirect losses; non-material damage.

+

Object of Insurance

  • the life, health, and working capacity of the Insured Person, designated by the Policyholder in the insurance contract with their consent, while the Insured Person is traveling abroad — under the "Assistance Expense Insurance" option, for insuring medical expenses related to providing assistance to the Insured Person who finds themselves in difficulty while traveling abroad, and under the "Accident Insurance" option;
  • the possible expenses of the Insured Person, designated by the Policyholder in the insurance contract with their consent, that are directly related to the occurrence of an insured event while the Insured Person is traveling abroad — under the "Assistance Expense Insurance" option, for insuring non-medical expenses related to providing assistance to the Insured Person who finds themselves in difficulty while traveling abroad.

+

Possible Consequences for the Consumer in Case of Failure to Fulfill Obligations Under the Insurance Contract, Including Late Notification of an Insured Event Without Valid Reasons and Late Payment of the Insurance Premium or Its Subsequent Installment

Late notification of an insured event without valid reasons, or failure to fulfill other obligations set out in the insurance contract or by law, is grounds for the Insurer to refuse an insurance payout, if this made it impossible for the Insurer to establish the fact, causes, and circumstances of the insured event or the amount of the losses incurred.

If the insurance premium is not paid, the insurance contract does not come into effect.

+

Information on the Possibility of Purchasing the Insurance Product Separately, If Such Product Is Offered Together With an Ancillary and/or Additional Good, Work, or Service That Is Not Insurance-Related, as a Component of a Single Package or Contract

The insurance contract is not ancillary to any other goods, works, or services that are not insurance-related.

+

Terms for Obtaining a Discount on the Insurance Product and the Insurer's Promotional Offers (If Any), Including Their Validity Periods

No discounts are provided for this insurance product. There are no promotional offers.

+

List of Information That Is Material to Assessing the Insured Risk, and/or Information About Other Circumstances Taken Into Account When Determining the Insurance Premium

  1. The insurance options chosen.
  2. The Insurance Program chosen.
  3. The purpose of travel.
  4. The territory of coverage.
  5. The term of the insurance contract and the insurance period.
  6. The insured amount.
  7. The deductible amount.
  8. COVID-19 coverage.
  9. Whether the "MultiTravel" condition applies.
  10. The number of Insured Persons.
  11. Individual characteristics of the object of insurance (the Insured Person's age; whether the Insured Person has been declared legally incapacitated; the presence of a disability group or preparation of documents to obtain one; dispensary registration; the presence of cancer, AIDS, or HIV infection; the presence of insured events under prior insurance; the presence/detection of chronic diseases; the presence/detection of hereditary diseases or congenital defects; a history of regular inpatient treatment more than once a year; any other health information that may be related to the likely occurrence of an insured event).
  12. The presence of objective factors affecting the degree of insured risk (the geographic and climatic zone of the destination country, the sanitary-epidemiological situation, and the political-economic situation in the destination country).

Information about the Policyholder's insurance needs and requirements.

+

Consumer Notice on the Need to Review, Prior to Concluding the Insurance Contract, Information About Exclusions From Insured Events and Grounds for Refusal to Make Insurance Payouts, the Insurer's Liability Limits for a Specific Object of Insurance, Insured Risk, and/or Insured Event, as Well as the Procedure for Calculating and the Terms for Making Insurance Payouts, Including a Reference to Such Information

Before concluding the insurance contract, the consumer needs to review the following information:

  • exclusions from insured events and grounds for refusal to make insurance payouts,
  • the Insurer's liability limits for a specific object of insurance, insured risk, and/or insured event,
  • the procedure for calculating and the terms for making insurance payouts.

This information can be found in the General Terms of the Insurance Product, available here, and in the Insurance Product Information Document, available here.

+

Procedure and Terms for the Provision of Services

Before concluding the insurance contract, the Insurer (insurance intermediary), based on information received from the client, determines the client's insurance needs and requirements. For this purpose, the client is asked to complete an insurance application in the form established by the Insurer. If the client requires individual advice, the Insurer (insurance intermediary) provides such advice upon the client's request. This individual advice is provided free of charge. Before concluding the insurance contract, the Insurer (insurance intermediary) provides the client with accessible and comprehensive information about the insurance product, about the insurer, and about the insurance intermediary (if the insurance product is sold through an insurance intermediary). The insurance contract is concluded in writing. The insurance contract may be executed in paper form or as an electronic document.

+

Cost, Price/Rates, and Fee Amount (Interest, Commissions) for the Insurance Product

Under the insurance contract, the Policyholder pays an insurance premium. The insurance contract does not provide for any other payments besides the insurance premium (such as interest, commissions, etc.). The insurance premium is calculated based on information provided by the Policyholder when concluding the insurance contract. The insurance premium is calculated within the minimum and maximum insurance premium and/or insurance rate specified above for this insurance product.

+

Total Amount of Expenses, Including Fees, Payments, and Other Costs the Consumer Must Pay in Connection With Receiving the Financial Service, Including Taxes, or, If the Specific Amount Cannot Be Determined, the Procedure for Determining Such Expenses

When concluding the insurance contract, the Policyholder pays only the insurance premium provided for by the insurance contract. In accordance with subparagraph 165.1.27 of paragraph 165.1 of Article 165 of the Tax Code of Ukraine, the following income is not included in a taxpayer's total monthly (annual) taxable income: the amount of an insurance payout, insurance compensation, or surrender value received by the taxpayer under an insurance contract from a resident insurer, other than long-term life insurance (including lifetime pension insurance) and non-state pension provision, provided the following conditions are met:

  1. a) for life or health insurance of the taxpayer, in the case of: the insured person surviving to the date or event specified in the life insurance contract, or reaching the age specified in such contract; the surrender value, to the extent it does not exceed the sum of insurance payments made under a life insurance contract other than long-term life insurance; in the event of an insured event — the fact that harm was caused to the insured person must be duly confirmed. If the insured person dies, the insurance payout due to beneficiaries or heirs is taxed according to the rules and rates established for inheritance taxation (a beneficiary is treated as an heir for this purpose);
  2. b) for property insurance, the amount of insurance compensation may not exceed the value of the insured property, determined at market prices as of the date the insurance contract was concluded, increased by the amount of insurance payments (contributions, premiums) paid;
  3. c) for civil liability insurance, the amount of insurance compensation may not exceed the amount of harm actually caused to the beneficiary, as determined at market prices as of the date of such insurance payout.

Provided the above conditions are met, no taxes or fees are payable by the Policyholder as a result of receiving the financial service.

+

Consumer's Right of Withdrawal, Right to Terminate or Cancel the Contract, Right of Early Performance, and the Procedure and Consequences of Exercising Such Rights

The insurance contract terminates and loses validity by agreement of the parties to the contract, as well as in the event of:

the expiration of the contract's term; the Insurer having fulfilled all obligations to the Policyholder; non-payment/late payment of the next installment of the insurance premium; liquidation of the Insurer, liquidation of a Policyholder that is a legal entity, or the death of a Policyholder who is an individual (except as provided for by the Law of Ukraine "On Insurance"); a court decision declaring the insurance contract invalid entering into legal force; other cases provided for by Ukrainian legislation and the insurance contract.

  • Either party must notify the other party in writing (electronic form) of its intent to terminate the insurance contract early no later than 30 calendar days before the termination date.
  • In the event of early termination of the insurance contract at the request of the Policyholder or the Insurer due to the Policyholder's failure to comply with the terms of the contract, the Insurer refunds the insurance premium paid for the remaining period of the contract, minus expenses directly related to concluding and performing the contract, and any insurance payouts already made under the contract.
  • In the event of early termination of the insurance contract at the Insurer's request, or on the Policyholder's initiative due to the Insurer's violation of the contract's terms, the Policyholder is refunded the full insurance premium paid.
  • Expenses directly related to concluding and performing the insurance contract are deducted in the amount corresponding to the share of such expenses specified in the insurance contract.
  • The Insurer refunds the paid insurance premium (or a portion thereof) within 10 business days of the contract's termination date, to the Policyholder's bank account or by another means via payment systems.
  • If there are unresolved insured events at the time of early termination, the Insurer refunds the insurance premium (or a portion thereof) after such events are settled.
  • If the Policyholder is included on a list of persons associated with terrorist activity or subject to international and/or other sanctions, the refund of the insurance premium (or a portion thereof) occurs after the Policyholder is removed from such list.
  • The paid insurance premium is not refunded in the event of early termination of the insurance contract due to the Insurer having fully performed its obligations to the Policyholder.

The Policyholder has the right, within 30 calendar days of concluding the insurance contract, to withdraw from the contract without giving a reason (if the contract's term exceeds 30 calendar days and no notifications of events bearing the characteristics of an insured event have been made under the contract).

  • The Insurer refunds the paid insurance premium (or a portion thereof) within 10 business days of receiving the Policyholder's notice of withdrawal, to the Policyholder's bank account or by another means via payment systems.
  • Порядок внесення змін до договору страхування
  • Procedure for Amending the Insurance Contract

The insurance contract does not provide for unilateral amendment of its terms.

Amendments to the insurance contract are made by mutual written consent of the Parties. Amendments are made by concluding additional contracts/additional agreements to the insurance contract.

A Party that considers it necessary to amend the terms of the insurance contract sends a proposal to that effect to the other Party, in accordance with the terms of the insurance contract.

If the Parties fail to reach agreement on amending the terms of the insurance contract, it continues to be in effect on its previously agreed terms, or it may be terminated early by the Parties.

+

Procedure for Amending the Insurance Contract

The insurance contract does not provide for unilateral amendment of its terms.

Amendments to the insurance contract are made by mutual written consent of the Parties. Amendments are made by concluding additional contracts/additional agreements to the insurance contract.

A Party that considers it necessary to amend the terms of the insurance contract sends a proposal to that effect to the other Party, in accordance with the terms of the insurance contract.

If the Parties fail to reach agreement on amending the terms of the insurance contract, it continues to be in effect on its previously agreed terms, or it may be terminated early by the Parties.

+

Availability and Procedure for Handling Complaints and Out-of-Court Dispute Resolution

When providing insurance services to Consumers, PJSC "ARSENAL INSURANCE" complies with all applicable consumer protection legislation, cares about its Consumers' rights, and is committed to resolving issues raised by consumers.

PJSC "ARSENAL INSURANCE" also considers it important, at every stage of reviewing an inquiry, to inform Consumers of their rights, and to note that PJSC "ARSENAL INSURANCE" reviews client inquiries (proposals, comments, applications, complaints) from both legal entities and individuals in accordance with current Ukrainian legislation and the Procedure for Interaction with Consumers and Handling Inquiries (across all channels) approved by PJSC "ARSENAL INSURANCE."

A client has the right, either personally or through an authorized representative, to submit (send) inquiries to PJSC "ARSENAL INSURANCE" concerning the activities of the company and/or its employees.

Consumers have free access to information about insurance services published on the PJSC "ARSENAL INSURANCE" website at: https://arsenal-ic.ua/, as well as at service locations.

Any issues that arise for a client are resolved as follows:

  1. Out of court, through a verbal or written inquiry sent to the email address [email protected], sent or submitted directly to the company's registered address: 154 Borshchahivska St., Kyiv, 03056, Ukraine, or reported by phone at 0-800-60-44-53. To protect the rights of the Policyholder as a consumer of insurance services, PJSC "ARSENAL INSURANCE" has established a dedicated competent commission to review applications, comments, proposals, and complaints, located at 154 Borshchahivska St., Kyiv, 03056, tel. 0-800-60-44-53, email [email protected]. Such inquiries, which must be submitted in writing, are reviewed within the procedure and timeframes established by the Laws of Ukraine "On Consumer Protection" and "On Citizens' Appeals."

  2. If the Consumer disagrees with the decision made regarding their inquiry/complaint/claim, they may appeal such decision by contacting the Regulator — through the official website of the National Bank of Ukraine: https://bank.gov.ua/ua/consumer-protection; correspondence and written inquiries address: 9 Instytutska St., Kyiv, 01601, tel. 0 800 505 240, email: [email protected], website: https://bank.gov.ua/.

  3. In certain disputed cases, the matter may also be resolved through the courts. In accordance with Part One of Article 4 of the Civil Procedure Code of Ukraine, every person has the right, in the manner established by this Code, to apply to the court for the protection of their violated, unrecognized, or disputed rights, freedoms, or legitimate interests.

All disputes arising between the Policyholder and the Insurer under concluded insurance contracts are resolved through negotiation, and if no agreement is reached, in accordance with the procedure established by current Ukrainian legislation.

+

Availability of Guarantee Funds or Compensation Schemes Applied in Accordance With Legislation

PJSC "ARSENAL INSURANCE" maintains a guarantee fund; no compensation schemes are available.

doc

Загальні умови страхового продукту «Комплексне страхування подорожуючих за кордон», редакція діє з 02.09.2024р.

doc

Інформаційний документ про стандартний страховий продукт «Комплексне страхування подорожуючих за кордон», редакція діє з 01.01.2025р.

doc

Електронний Договір комплексного страхування подорожуючих за кордон, редакція діє з 11.05.2026 р.

Document Archive (for insurance contracts concluded in previous periods)
Need help from our specialist?
Online
Arsenal
Fill out the form below, and our manager will get in touch with you during business hours.
By clicking "Submit," you agree to the processing of your personal data in accordance with our Privacy Policy
Arsenal

Why Us?

01

 icon (15)

№1 in the CASCO Market

02

icon (8)

10 Million UAH in Payouts Daily

03

icon (7)

Payout speed from 3 Days

04

icon (16)

Recommended by our clients to their friends

05

icon (6) 2

Company with 100% Ukrainian capital

06

icon (20)

20 Years in the Ukrainian market

07

icon (6) 4 (2)

350,000 Clients

08

icon (6) 4 (3)

93% Client Satisfaction Rate

What Our Clients Say

У липні цього року під час перебування з дитиною за кордоном (Італія) стався страховий випадок, пов’язаний зі здоров’ям. Хочу окремо відзначити роботу та людяність Царевського Антона Анатолійовича. Попри те, що він знаходився у Києві, Антон постійно був на зв’язку, підтримував мене, коли я хвилювалася і панікувала за стан здоров’я сина, заспокоював та допомагав прискорити процес потрапляння до госпіталю. Для мене це було надзвичайно цінно. Після повернення до Києва мені не довелося самій «бігати» за поверненням коштів — співробітники компанії декілька разів самі нагадували та допомагали сформувати необхідний пакет документів. За останній рік це вже друге моє звернення до страхової компанії «АС»: перший раз — за полісом КАСКО, другий — під час страхового випадку за кордоном. І обидва рази була миттєва реакція, всебічна допомога та щира підтримка. Щиро дякую команді за професіоналізм, турботу та якісну роботу!

Катерина Кот
12.08.2025 05:03:55

Помітний прогрес у роботі! Тепер все швидко, якісно і без зайвих питань. Молодці!

Андрій Бармалей
01.08.2025 07:13:37

Залишився дуже задоволений обслуговуванням! Команда працює злагоджено, все чітко й без зайвих затримок. Видно, що сервіс розвивається і клієнт для них дійсно важливий. Дякую за професіоналізм та людське ставлення!

Andr Boiko
01.08.2025 07:12:16

Колись було складно швидко отримати відповідь, обслуговування не вражало. Зараз усе кардинально інакше — реагують миттєво, допомагають чітко та ввічливо. Рівень сервісу дійсно виріс. Приємно користуватись, коли все працює злагоджено!

Артем Чура
01.08.2025 07:11:05

Хочу виразити безмежну вдячність Страхова компанія «Арсенал Страхування» за їхню надзвичайну підтримку та допомогу під час операції моєї дитини за кордоном! Якщо коротко описати ситуацію, то дитина була у Франції зі шкільною поїздкою. Якщо чесно, купили страховку, тому що цього вимагала школа. Ніхто навіть подумати не міг, що щось надзвичайне може статися. Але вже на четвертий день перебування син з лихоманкою та болями у животі потрапив у місцеву районну лікарню з підозрою на гострий апендицит, який там і підтвердився. Дуже важко описати шок, який був у мене і чоловіка, коли нам подзвонили зі школи і розповіли про ситуацію. Нікого з рідних поряд немає (ми дуже вдячні директору школи, що весь час була поряд із сином), лікарі англійською розмовляють погано, але просять дозвіл на екстренну операцію... І тут дуже допомогла оформлена страховка, адже лікарня почала діяти одразу після пред’явлення страхового полісу та запобігла можливим тяжким наслідкам через будь-яку затримку. І як важливо в такі моменти не турбуватися про гроші та чи вистачить їх на операцію! Одразу скажу, що "Арсенал Страхування" покрила всі витрати! Нам навіть важко в це повірити, оскільки чули багато різних історій про страхові виплати і досить часто вони негативні. Окрема подяка нашому страховому агенту Helen Konoval , яка вияввила себе не тільки як професіонал у своїй справі, але й як чуйна людина та відданий помічник на кожному етапі цього процесу. Ваша підтримка була насправді такою важливою! Дякуємо за вашу турботу та роботу, яка дійсно робить різницю у житті людей! Наостанок хочу всім щиро порекомендувати страхову компанію «Арсенал Страхування» і, виходячи з досвіду, дуже рекомендую купляти поліси туристичного страхування. До речі, вони коштують копійки в порівнянні з тими витратами, які ви можете понести у разі якихось несподіваних проблем зі здоров'ям. А як показала наша історія, все може статися і дуже непередбачувано!

Kostiantyn Gvozdykevych
15.05.2024 16:33:00

Got any questions?
Get in touch with us in a convenient way

phone 0 800 60 44 53 Request a callback

Message us

Feedback page
Ask a question Leave feedback

You might be interested in:

Useful links

Contacts

All ways to reach us — here

Documents

All official information about us — here

Insured event

Had an insured event? Find out what to do here
Latest Articles

Request a Callback

Fill out the form below, and our manager will get in touch with you during business hours.

Cancel

We use cookies to improve your experience on this website. By clicking 'Accept' or continuing to use the website, you consent to this. Learn more. You can manage or delete non-essential cookies yourself in your browser. Want to know how?