Insurer isn't responsable
If insurance event has occurred as a result of circumstances below:
State of emergency or martial law
Incidents or military conflicts on the territory of the Insurance Contract.
Revolution, Insurrection, Strike
Public unrest of different types, including lockout and tact of terror.
Nuclear energy
The consequences after effect of nuclear energy any kind of origin.
Illegal action
Commotion/omission of governmental authorities, local government and its executive officers.
Non-recomendet areas
Countries non-recomendet to entrance and areas where an epidemic, environment solution and natural disasters have been announced.
Planned treatment
Chronic diseases exacerbation or diseases that appeared before the trip.
Exceptions of insurance events
Depending on type of insurance there are some typical exceptions that are not be covered by the insurance policy.
1
Illegal actions of the insured person,intentional infliction of harm to health, suicide attempts.
2
Treatment of diseases appeared before the insurance contract was concluded and diseases that are being treated.
3
Treatment of chronic diseases, that the insured person has at the moment of concluding the insurance contract.
4
Diseases and injures related to unjustified risk and danger of causing damage to life or health, as well as doing sports(including mountain climbing, rock climbing,air-, water-, motorized sports, cycling, sports with jumps, all kinds of skiing), the participation of insured person in training, competitions. This demand isn't related to insured people for whom additional insurance payment is made and identifier of the trip aim is signed in the insurance policy.
5
Diseases and injures are result of sports and active rest including skiing, snowboarding, sledging, ice skating, scuba diving, hang-gliding and other motorless aircraft, motor and drive on non-motorized two-wheelers, hiking and cross-country. This demand isn't related to insured people for whom additional insurance payment is made and identifier of the trip aim is signed in the insurance policy.
6
Medical services, stuff and medications for chronic diseases including epilepsy, diabetes, bronchial asthma, systemic connective tissue diseases, benign and malignant cancer, tuberculosis, hematological, autoimmune and demyelinating diseases, chronic renal failure,viral hepatitis except hepatitis A, liver cirrhosis, complications of peptic ulcer (duodenal ulcer multiple and / or gastric ulcer penetration, pyloric stenosis), except for emergency first aid.
7
Medical services, stuff and medications for diseases appeared before the insurance contract was concluded and diseases that are treating at the moment.
8
Diseases and injures occurred as a result of manual work when the insured client is hired. This demand isn't related to insured people for whom additional insurance payment is made and identifier of the trip aim is signed in the insurance policy.
9
Medical services, stuff and medications related to age degenerative-dystrophic process, congenital anomalies and malformations, hereditary-, professional-, mental diseases, diseases of psychogenic nature, speech impairments, except for emergency first aid.
10
Medical services, stuff and medications aimed at recovery and prevention (including vitamins, vaccinations, spa treatment, routine inspection, etc.).
11
Medical services, stuff and medications for treatment diseseas, injures, burn and toxication, obtained as a result of alcohol, drugs and toxic substances.
12
Obtaining of Insured person services/products that are not necessary from a medical point of view for diagnosis and treatment of emergency condition or costs which have not been previously agreed with the Insurer or the Assistance company.
13
Obtaining medical certificate for state and other institutes and so on.
14
Experimental treatment, obtaining by Insured services from medical centers or people without appropriate license. Treatment with using alternative medicine (iridology, biokorrektsiya), hypnosis, psychotherapy,reflexotherapy, supplements, physiotherapy and manual therapy, massage.
15
Cosmetic and plastic surgery, organ and issue transplantation, prosthesis.Purchasing of medical equipment, prostheses and medical devices, replacing or corrective function of affected organs, surgery using artificial blood circulation apparatus (ABCA), drugs replacing therapy, treatment of infertility, impotence, sexual dysfunction, contraception.
16
Medical services, stuff and medications relating to allergic dermatitis, including allergic reactions to sunlight, sunburns.
17
Medical services, stuff and medications related to dangerous infections (plague, cholera, smallpox and other, in accordance with corresponding decree of the Ministry of Health of the country the insured person is from).
18
Medical services, stuff and medications related to classical venereal diseases and infections, sexually transmitted diseases, according to the classification of World Health Organization.
19
Medical services, stuff and medications related to AIDS (HIV).
20
Changes in body weight or treatment of obesity, body modification to improve the mental or emotional state, including sex reassignment surgery.
21
Pregnancy and childbirth, except for ectopic pregnancy and the necessity for abortion on medical grounds.
22
Operations for aneurysm of vessels, except emergency operations for complicated cerebral aneurysms, when it threatens to the life of the insured person.
23
An dentist services, except services necessary for first dental help to riddance acute tooth pain (without placing of constant filling, cosmetic procedures and so on).
24
Treatment lipid-lowering drugs.
25
Medical services, stuff and medications that are not intended and / or not properly documented necessary for medical emergency by a doctor of medical institution in the country of residence of the insured person.
Additionally uninsurable events:
- moral damage, indirect losses
- losses as a result of professional mistake of a doctor
- damages to a property of insured person
- losses on search and rescue of insured person
- losses or expenses which could be delayed until the insured person returns to country of residence
- losses or expenses which incurred in the country of residence even if the referred to the insurance event
1
Impacts of a nuclear explosion, radiation or radioactive infection.
2
Military action, civil war, civil unrest or any kind of strike.
3
Committing or attempting to commit an intentional crime involving the Insured Person or the Insurant.
4
If insured person is under alcoholic, narcotic or toxic intoxication at the time of the accident.
5
If insured person is under alcoholic, narcotic or toxic intoxication while driving or transfer of driving of the vehicle to a person under alcoholic, narcotic or toxic intoxication and doesn't have driver's license.
6
Flying on any aircraft, except if the insured person is flying as a passenger in a commercial aircraft whose owner has a license for passenger transporting.
7
Intentional infliction of self-injuring, suicide of the insured person, or attempts to commit suicide.
8
Service in the armed forces and military units.
9
Occupational disability is not insurance case and therefore can not be a reason for insurance payment.
10
Death or disability that occurred after six month from the insured event date.
The insurer has the right to refuse insurance payment under the Agreement in cases given below where the policyholder (the insured person):
- Hasn't provide the insurer without any valid reasons with all necessary documents for recognition if the past event is insurance one or not and will/won't be paid.
- Has provided the insurer with false information or false documents about their health status.
Additional issues for denial of insurance payment:
- Intentional actions of the Insurant or the Insured person leading to insurance event.
- Commitment by the Policyholder or the Insured person of an unforeseen event that led to an insured event
- Delay in informing of Insurer by Insurant or Insured person without valid reasons and obstruct to substantiate the sircunmstamces of insurance event.
- Refinement to give an opportunity to the doctor assigned by the Insurer to make examination of the Insured person.
1
The impact of nuclear energy, radioactive contamination of the territory, any kind of military actions and their consequences, acts of terrorism, riots, strikes, lockouts, destruction or damage of property by order of the civil or military authority, rebellion, coup, insurrection, revolution, environmental pollution
2
Driving on any vehicles by the Insured Person, except legally driving on personal transport or rented one aimed for personal usage in foreign country
3
Any actions that damage the reputation, honor and dignity of third parties
4
Providing by the Insured person deliberately false documents or acts to increase the damage or undue increase in the size of the insurance indemnity
5
Infectious diseases dissemination
The Insurer is not responsible for expenses of the third part, that are results of commission and omission of the Insured person, as follows:
- Moral damage, slander
- Fines, pennies and other financial and administrative penalties, loss of profits
- Any other expenses, except events, that are results of personal or property harm
- Providing by the Insured person deliberately false documents or acts to increase the damage or undue increase in the size of the insurance indemnity
- Infectious diseases dissemination
- Losses that are fault of heirs of the first and second stage of the Insured person
- Losses that are result of destruction or damage of property that is rented by the Insured person or other person
- Losses occurred as a result of experimental, exploratory and research work by the insured person
- Losses that have been declared to the Insured person by third person in a period exceeding 183 days from the occurrence of an event that could be qualified as an insured one
