General reasons of compensation denial- Intentional actions of the insured aimed to bring about the occurrence of the insured event.
- Late notice of the occurrence of the insured event without reasonable grounds explaining it.
- Rehabilitation treatment period.
Events are not considered insured if they are caused by:- civil unrest, strikes, or an officially declared state of emergency;
- suicide or suicide attempt of the insured;
- consumption of alcohol, drugs, or toxic substances;
- war (declared or undeclared), combat, or war actions;
- the insured performing any kind of physical work, engaging in professional sports or active (sports) recreation, such as mountain climbing, scuba diving, caving, sport diving, any form of flying, winter sports, participating in competitions, motor racing, if such risks were not covered by an additional insurance premium.
Exclusions in medical insurance:The insurance company does not pay or compensate for the cost of treatment and services associated with the following diseases and events:
- chronic diseases, congenital anomalies (defects in development), deformations and chromosomal abnormalities;
- neoplasms, endocrine system diseases;
- mental disorders (except neuritis), mental diseases, as well as related traumas;
- venereal diseases, immunodeficiency, AIDS;
- diseases of blood and blood-forming organs;
- pregnancy (except for ectopic pregnancy), childbirth, termination of pregnancy;
- ear diseases and disorders except acute ear diseases;
- fungal and dermatological diseases, allergic dermatitis, first and second degree sunburn;
- services and treatments that can be postponed until after the return from the trip;
- the continuation of medical treatment after the return of the insured to the place of permanent residence.
Exclusions in accident insurance:The insurance company does not provide a payout in case of the following:
- Any disease except tetanus and rabies;
- Death caused by a disease.
Exclusions in public liability insurance:No costs and damages are compensated if they are:
- performed by the insured intentionally, independently or in a plot with a third party;
- related to the contractual, economic and criminal liability of the insured to third parties;
- caused by the Insured while driving any type of vehicle;
- caused to the family of the insured;
- a fine, a penalty or other financial sanctions that are not directly caused by the damage to health or property of third parties;
- caused while participating in sports competitions and preparing for them;
- non-pecuniary damages or those caused to the image or reputation of third parties.
Exclusions in financial risks insurance: This category is concerns tourist trip cancellation or its early interruption. The insurance company can refuse to provide a payout if:
- the trip was contraindicated to the insured on the grounds of health;
- the reason for trip cancellation or interruption is other than any of those specified in the Insurance Contract.
Exclusions in baggage insurance:The insurance company does not compensate losses related to the following:
- the delay of baggage delivery to the country of temporary stay does not exceed 6 hours;
- the electrical or mechanical malfunction of audio and video equipment, etc.;
- damage of fragile items;
- loss caused by any fluids that are transported in baggage;
- damage or loss of sports equipment that occurred during its usage;
- failure of the insured to use available means to prevent or reduce the damages.
The Insurance Contract does not apply to: - fur products, jewelry, printers, filmmaking, photo and video equipment, laptops, mobile phones, etc., as well as any related accessories;
- money, valuables, securities;
- precious metals, precious and semi-precious stones;
- antique and unique products, works of art, and collectibles;
- manuscripts, plans, diagrams, drawings, models, business papers;
- any type of prosthetic devices, contact lenses;
- wrist and pocket watches.
Please note! Detailed insurance terms are available when you are booking a policy.
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