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Insurance during tour

General information

When the group goes on tour, the compulsary condition is an insurance for each individual. We write out the insurance policies for all tours without exception.

According to the risk level of the tour, we write out the following types of insurance:

1) simple – for tourist's tours without increased physical activity and risk: rafting on rivers Dniester, South Bug (without rapids), Zbruch and other rivers without rapids, simple excursions to caves (Verteba, Krystalichna) etc;

2) with extreme elements – for rafting on the rivers Cheremosh, South Bug (with rapids), Svicha and Mizunka, other rivers with rapids, sport excursions to caves, horse riding etc.

3) sports - for skiing at ski resorts Bukovel, Dragobrat and others. 

Insurance payments

The contract of complex tourist's insurance provides two insurance amounts:

- medical insurance - covering costs assosiated with provision of health services (up to 2000 UAH.);

- insurance from accidents - insurance payments as a result of accidents that led to short-terms injuries: different bodily injuries, fractures, burns, frostbites (up to 2000 UAH.).

Medical insurance  provides the cash payments in the amount corresponding to number of the costs on medical and other services, but not more than 2000 UAH. That is, it includes the cost of treatment, medications, transportation to medical establishment. For such payments the compulsory condition is the presence of checks and accounts for provided services and purchased medicinal products including transportation. Without confirming document service will not be considered as rendered and payment for it will not be done.

Accident insurance provides payment as a percentage of the insured amount (2000 UAH.), depending on the nature of the damage.

Types of possible damages and the amount of insurance payments

Character of injury
Amount of payment
1 Dislocation:

shoulder, forearm, hand, patella, foot, knee meniscus injury
5%
  hip
15%
2 Rupture:  
  tendon
5%
  Achilles tendon
10%
3 Fracture:  
  phalanx of one finger, fibula, a bone foot
5%
  phalanx of two fingers
7%
  phalanx of three or more fingers, scapula, clavicle, ulna, radial bone, hand, pelvis bones, patella, tibia, two foot bones
10%
  shoulder, elbow and radial bones simultaneously, forearm, both shin bones, three or more bones of the foot
15%
  hip
20%
4 Bruising internal organs (spleen, kidney (kidneys))
5%
5 Burn shock, burn disease
15%

The insurance amounts are not paid if the injury was caused on purpose or received by the influence of alcohol or drugs. Also the costs are not covered, when it associated with an accident as a result of congenital, chronic, cancer diseases that had began before the tour, pregnancy, sexually transmitted diseases, dental diseases etc.

The insurance amounts may be increased on request.

How to make insurance and action during the insurance case

For making insurance you need the group that goes on tour which sent the following information: full name of each participant, date of birth and address of residence. Information should be submitted beforehand at least 2 days before the tour.

When the insured case begins:

1. Tour guide calls the insurance company and informs about beginning, full name of the person, a number and term of the contract KST, location.

2. The insured person goes to a medical establishment for medical services. 

3. If necessary you have to call to trucks for transportation of a person to a medical establishment. The insurance amount covers the cost of transportation only if there is invoice of transportation. That is, if it is the ambulance, rescue service or carrier which registered as an individual entrepreneur, etc., then the insurance company will reimburse these expenses. If this is the usual carrier, cart with horses, etc., they should only pay with their own money.

4. When you receive services from a doctor, it is important to keep all bills and checks about treatment, purchased medicines etc.

5. For getting payment, you must within 15 days after the return of the insured person to the habitual residence to submit to the insurance company the following documents: a written statement about insurance case, the Treaty KST, documents confirming the provision of medical care, the original accounts for payment of medical services, extract from medical history, indification documents and a certificate of identification code. 

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