Terms of Service

of voluntary comprehensive insurance of overseas travelers

1. The present Terms (hereinafter “the Terms”) are an official offer of the VUSO Insurance Private Joint Stock Company, registered number 31650052 (hereinafter “the Insurer”), to an unlimited circle of users – capable natural persons (hereinafter “the Customers”), to conclude an agreement of voluntary comprehensive insurance of overseas travelers (hereinafter “the Insurance Agreement”), under the effective Rules of Voluntary Insurance of Medical Expenses No. 21-01, Voluntary Insurance Against Accidents No.  02-01, Voluntary Third Party Liability Insurance No. 07-02, Voluntary Cargo and Baggage Insurance No. 04-02, approved by the Chair of the Board of VUSO Insurance PJSC and registered with an authorized body (hereinafter “the Subject of the Terms”).
2. The present Terms are an offer to conclude an insurance agreement electronically.
3. The Insurance is carried out in accordance with the Conditions of the Voluntary Comprehensive Insurance of Overseas Travelers, which are an inseverable part of these Terms (Appendix no. 1).
4. Under articles 207, 633, and 981 of the Civil Code of Ukraine and articles 11, 12, and 13 of the Law of Ukraine “On Electronic Commerce,”  the completion of an electronic application (hereinafter “the Application”) on  VUSO Insurance PJSC's website www.vuso.ua, signing of the agreement by means of electronic signature with a one-time identifier (entering of a password which was received on a mobile device), as wells as the full payment of premium to the Insurer's current account, are deemed an unconditional acceptance by the Client of the provisions of the present Terms. The completion of the aforementioned actions is deemed Client's acceptance of all the conditions of the present Terms and a conclusion of the Insurance Agreement in the electronic form, which, under Section 11 of Article 11 of the Law of Ukraine “On Electronic Commerce,” is qualified as written. Upon acceptance and the effective date of the Insurance Agreement, the Client thereby acquires the status of an Insured and receives notification, on email or mobile device specified in the Application, of the agreement conclusion approval (electronically) and payment completion.
5. The Insurance Agreement takes effect at 00h00m on the day following the payment of premium. The Parties agree that the payment date is the day on which the funds arrive on Insurer's account.
6. The Application is filled out by the Client on the website (www.vuso.ua). An application, which was thus filled out, complying with the corresponding standards, is equal to a written insurance application.
7.  The Insurance Agreement is deemed to be signed by an authorized representative of the Insurer by means of electronic signature with a one-time identifier (entering of password which was sent by the Insurer to a mobile device of the Customer).
8.  The Parties undertake, should such need arise, to reproduce the Insurance Agreement in written. By a written request of one of the Parties, the Insurance Agreement shall be printed within 5 (five) business days of receipt of such request, signed and sealed, subject to availability, by either Party. In the event that one of the Parties refuses to sign the Insurance Agreement, such dispute shall be forwarded for the consideration of a court of law.
9. Date, time, acceptance procedure, notification of insurance agreement conclusion approval (in electronic form) and payment completion, exchange of electronic messages between the Parties, and information on the printing of the Insurance Agreement are stored in the Insurer's electronic database.
10. An endorsement, as well as termination, of the Insurance Agreement is carried out by Insured's request, submitted in written or electronically, by way of emailing to the Insurer.
11. In any other case, which is not provided or stipulated by the present Terms, the Parties abide by the  the Rules of Voluntary Insurance of Medical Expenses No. 21-01, Voluntary Insurance Against Accidents No.  02-01, Voluntary Third Party Liability Insurance No. 07-02, Voluntary Cargo and Baggage Insurance No. 04-02, which are published on the website (www.vuso.ua).
12. The present Terms are effective for the agreement conclusion from January 1, 2016, to December 31, 2017.

VUSO Insurance PJSC
31 K. Malevich St.
Kiev, Ukraine
03680
acc. no.  26506000000761
UKRSOTSBANK PJSC
sort code: 300023
registered number: 31650052
tel: 044-500-37-73


Chair of
VUSO Insurance PJSC                                                                                 O.V. Mitronina

Conditions of voluntary comprehensive insurance of overseas travelers

1. Subject of the Insurance Agreement
1.1. The subject of the present Insurance Agreement are the propriatory interests of the Insurer and/or the Insured person (IP), which do not violate the effective laws of Ukraine, related to:

• life, health, and capacity for work;
• ownership, use, and disposal of baggage;
• undertaking to indemnify damage to life, health, or property of third parties, caused by negligence during an overseas travel (except a travel with the purpose of relocation) on the territory covered by the Insurance Agreement.

2. Insured accidents
2.1. Medical expenses coverage: the insured accident is a medical, or other, assistance, provided by the Insurance Agreement, given to the IP, during their stay overseas, because of the IP's sudden illness.
2.2. Insured accident coverage: the insured accident is a death or diagnosing of presumptive disability of the IP.
2.3. Baggage insurance: the insured accident is a loss incurred by the IP from missing, shortage, or damage of the whole, or a part of, insured baggage, caused by any occurrences during transportation thereof by professional carriers.
2.4. Civil liability coverage: the insured accident is an occurence which caused third parties' claims to the IP for the indemnification of losses, resulting from IP's unintentional and negligent acts.
3. IP's acts in the event of an insured accident
3.1. In the event of an accident, which has characteristics of the insured one, the IP shall forthwith notify the Service Company (hereinafter “the SC”) or the Insurer at the telephone numbers, specified in the Agreement, inform of the essence and circumstances of the occurrence, provide information which allows identification of the IP,  and follow the directions and recommendations from the SC (Insurer).
3.2.  Should it not be possible to contact the SC and/or the Insurer, for a justifiable reason (provided by subsection 5.1.4 of the Agreement), before getting medical, or other, help, to notify the SC and/or the Insurer of the circumstances of the insured accident; notwithstanding, not later than 2 days after the aforementioned circumstances are over.
3.3. Provide the Insurer a possibility to inspect and check the circumstances and causes of the insures accident.
3.4. In the event of the notification period expiry, the IP shall, in written, account therefor by Insurer's request.
3.5.  In the event of a baggage insurance accident, apart from the actions laid out in subsections 3.1-3.4 of the present Agreement, the IP shall:

• forthwith and timely notify competent bodies (Lost and Found, or any other, service, carrier's representative, police, etc) of the insured accident;
• leave the baggage, before the solution of baggage inspection issue by a representative of an authorized body, as it is after the insured accident, except the security stipulations and measures for  the reducing of loss.

3.6. In the event of a civil liability insurance accident, apart for the actions laid out in subsections 3.1-3.4 of the present Agreement, the IP must, in case of a claim, forthwith to submit at the address of the Insurer a copy of a letter, court ruling, motion, subpoena (writ), notice, or any other documents received on account of claim. If the insured accident case is forwarded to the court of law, the IP, by the Insurer's request, shall authorize the latter to represent their interests at all court levels. The consideration of request may be solely carried out under the laws of Ukraine or a country of IP's temporary stay.  The insurer has the right, but is not obliged under any circumstances, to undertake and carry out, on IP's behalf, defence against any claim and has a full freedom of action during any litigation and resolution on any claim. Upon undertaking of defence against a claim, he/she has the right to deny such defence. The IP, under the conditions of the present Agreement, may not, without prior negotiation with the Insurer, hold any negotiations with the plaintiff or his/her surety on a pretrial resolution of the case, carry out indemnification, accept, wholly or in part, claims, which were made on account of the insured accident, as well as, without Insurer's approval, accept direct or indirect liability for the satisfying of such claims.
3.7. In the event of failure to meet the aforementioned requirements, the Insurer has the right to deny the indemnification of IP's expenses.
4. List of documents which confirm an insured accident and causes thereof and amount of loss
4.1. To receive a coverage, the IP must submit the following documents:
4.1.1. Indemnification claim;
4.1.2. International passport (or child's travel document) of the IP, with the border control stamps, and the TIN;
4.1.2.1. If the Agreement provides multiple travels, which are marked  “MULT” in the section “Number of trips” of the present Insurance Agreement, the IP must present the international passport, with the border control stamps for the whole period of the insurance agreement;
4.1.3. In the event of a medical insurance accident, the IP additionally submits:

• medical invoice from the hospital with the following details: patient's last name, accurate diagnosis,   date of medical assistance request, duration of treatment, list of  services rendered, with the date and price of each service, and total amount due;
• patient appointment card for laboratory tests on account of illness and names and prices of services rendered;
• documents issues by authorized governmental bodies of the country in which the insured accident happened, which confirm the accident;
• sick note or certificate from a healthcare establishment;
• medicine prescriptions from IP's doctor on account of his/her illness, with the drugstore's stamp and price of each item;
• documents which confirm payment for services rendered and medicine, bank receipt with the transaction amount, invoice for services rendered, etc.

4.1.4. In the event of an accident insurance occurrence, the IP additionally submits:

• disability certificate from a medical board, cause of death note, notarized death certificate and probate (for the heirs);

4.1.5.  In the event of baggage insurance occurrence, the IP additionally submits:

• proof of baggage loss or damage, which is issued by the Lost and Found or any other service or carrier's representative in the event of baggage loss or damage;
• documents confirming the amount of loss;
• customs declaration of the IP in the event of baggage loss or damage.

4.1.6. In the event of civil liability insurance accident, the IP must submit the Insurer documents which prove the circumstance of the accident (witness interrogation (questioning) report, plaintiff's motion, police certificate, pretrial settlement offers, etc.) and conclusively prove the IP's guilt and the amount of loss incurred.
4.2. The documents, listed in subsection 4.1., must be submitted in the Russian or English languages. If the documents were written in other languages, the IP shall submit an official Ukrainian translation.
4.3. The documents, listed in subsection 4.1., must be submitted to the Insurer within 15 (fifteen) calendar days of IP's return to his/her country of residence. If there were substantial reasons, for which the documents were not timely submitted, they are submitted at the earliest opportunity, with the explanation of the causes of the delay.
5. Procedure of service supply and insurance payout
5.1. Medical expenses coverage
5.1.1. Insurance compensation is carried out  by way of Insurer's payment on the SC's accounts. The order and terms of insurance payouts are stipulated by agreements between the Insurer and the SC.
5.1.2. The SC arranges and/or provides medical, and other, services to the IP, and the Insurer indemnifies the expenses, specified in the insurance program, selected by the Insured and specified in the present Insurance Agreement, within the liability limits, laid out in Table no. 1.
5.1.3. In the event that the provision of medical services was not negotiated with the SC (or the Insurer), the Insurer has the right to deny the insurance payout.
5.1.4.  If, in the event of emergency, the IP was provided services without SC's mediation (in the event of urgent medical assistance) and the IP, for justifiable (objective, uncontrollable) reason, did not have an opportunity to inform the SC thereof, the IP (his/her surety) shall notify the SC of the insured accident at the earliest opportunity; notwithstanding,  not later than 2 days after the effect of such circumstances is over. In that event, the SC, with the Insurer's assent, considers the issue of further provision of assistance to the IP. The list of justifiable (objective, uncontrollable) reasons, which prevented the possibility to inform the SC on time, includes the absence of functioning telephone devices (landline or mobile) in the place of IP's stay; IP's loss of consciousness (in the absence of persons, who might represent his/her interests – namely, IP's relations who accompany him/her on his/her travel, or persons who are insured by this policy).
5.1.5. The IP pays for the services, which, in accordance with the conditions of the Insurance Agreement, are not indemnified by the Insurer, even if they are included in a general invoice.
5.1.6. In the event that the IP, for justifiable, uncontrollable reasons, paid for the services indemnifiable under the present agreement, the compensation of the expenses, incurred by the IP, is carried out by the Insurer after IP's return to the country of permanent residence and submission of the required documents, specified in Section 4 of the present Agreement, to the Insurer. The IP is not exempt from obligation to notify the SC (the Insurer) of the insured accident and negotiate the procedure of further provision of services, even if the IP pays for the services indemnifiable under the conditions of the present Insurance Agreement.
5.1.7. In order to receive a compensation for the services, for which the IP paid him/herself, he/she has the right to file a claim to the Insurer within 15 days of return from abroad.
5.2. Accident insurance
5.2.1. The Insurer makes a payout to the IP and, in the event of his/her death, the Beneficiary or the heir of he IP (if a Beneficiary was not appointed).
5.2.2. The following procedure of payout is applied, which is quoted in insurance amount percentage:
5.2.2.1. In the event of IP's disability caused by an accident, depending on disability portion: presumptive – 100%, total – 70%, partial – 50%;
5.2.2.2.  In the event of IP's death caused by an accident – 100%.
5.3.  Third party liability insurance
5.3.1. The insurance payout is made to the third party (the injured), which is ruled by a court of law, or is reimbursed to the IP, if he/she, with the written consent of the Insurer, settled the case with a third party by him/herself. The payout or insurance indemnification amount, including all the taxes, may not exceed the travel third party liability insurance amount defined by the present Agreement and corresponding liability limits of the Insurer.
5.3.2. Insurance indemnification payout is made in order of arrival of rightful loss indemnification claims.
5.4. Baggage insurance
5.4.1. The insurance indemnification amount may not exceed the amount of direct loss incurred by the IP, which equals:

• in the event of lost or missing baggage or shortage thereof, the actual price of lost or missing baggage;
• in the event of damage, the amount by which the baggage price was reduced, or the amount of repair expenses thereof (price of repair, spare parts (details) and materials);

5.4.2. The amount of insurance indemnification is calculated by subtraction of sums, which were received from professional carriers as a compensation for baggage loss or damage;
5.4.3.  In the event that, after an insurance indemnification payout, the lost baggage was found, the IP must accept the baggage and return the insurance indemnification payout to the Insurer.
5.5. The insurance payout is made on the basis of IP's claim, estimate, which is written by the Insurer on the basis of the documents specified in Section 4 of the present Agreement, which confirm the insured accident and causes thereof.
6. Denial of insurance indemnification (insurance payout)
6.1. Reasons for Insurer's denial of insurance indemnification payout include cases provided by Article 26 of the Law of Ukraine “On Insurance,” as well as:
6.1.1. IP's reception of full indemnification of loss from a person who is guilty thereof;
6.1.2. IP's untimely notification of the insured accident, for no justifiable reason, or causing obstacles which prevent the Insurer from investigating into the circumstances, essence, and amount of loss;
6.1.3. Failure to negotiate, with the SC or the Insurer, for no justifiable reason, the amount and procedure of medical, and other, services provision;
6.1.4. Untimely or incomplete submission of documents to the Insurer for the insurance indemnification;
6.1.5. Untimely damaged or lost baggage notice to the corresponding bodies;
6.1.6. Force majeure (impact of nuclear energy, natural disasters, warfare, military hostilities of any kind, state of emergency announced by governmental bodies, revolution, conspiracy, rebellion, civil unrest, strikes, terrorist attacks, and the like);
6.1.7.  Other occurrences provided by the present Insurance Agreement, Regulations or effective laws of Ukraine.
6.2. In the event that the IP, in receipt of the baggage, doesn't notify the carrier of baggage loss, damage, or shortage, he/she is deemed to have received the baggage in accordance with the carriage agreement conditions.
7. Exclusions and limitations
7.1. The occurrences are not deemed insured conditions if they were caused by:

• suicide attempt, as well as suicide, excluding the occurrences when the IP was driven to suicide, or to suicide attempt, by illegal actions of third parties;
• poisoning by alcohol or any other substances, consumed with the purpose of, or under, intoxication (various alcohols, technical alcohol substances, solvents, and acids), consumption of narcotic or toxic substances without doctor's prescription;
• alcohol, drug, or toxic intoxication of the IP;
• IP's complicity in illegal acts;
• venereal diseases, AIDS, alcoholism, drug and toxic substances addiction, mental disorders, systemic diseases -- in particular, most dangerous infections (smallpox, plague, cholera, or Siberian plague);
• a disease which was present before the policy's effective date, excluding the occurrences when an urgent medical assistance is provided on account of acute pain;
• exacerbation or complication of diseases which were present before the conclusion of the insurance agreement, notwithstanding treatment thereof; in that case, the Insurer indemnifies medical expenses for urgent medical assistance, needed for the prevention of a direct threat to health or expenses related to the stopping of acute pain;
• IP's vehicle driving without driving licence, as well as delegation of driving to another person who does not have a driving licence or is under intoxication;
• chronic diseases of all types, as well as infectious diseases, excluding botulism and tetanus (only insured accident);
• occurrences not provided by the Insurance Agreement.

7.1.2. The insured accidents, as well, do not include:

• treatment and other expenses at a state or social hospital in the country of stay, if the IP has the right to a free medical service under the effective law of the country;
• healthcare services related to sunburns or a heat stroke caused by IP's sun or air bathing, excluding the occurrences which require urgent medical assistance for the saving of IP's life;
• healthcare services related to the treatment of chronic diseases, inborn deformities, and chromosome impairments;
• healthcare services related to the treatment of neoplasms (except neuritis), mental disorders, and injuries resulting therefrom;
• healthcare services related to the treatment of blood diseases and bleeding organs;
• healthcare services related to the treatment of  mycoses, dermatological diseases, and allergic dermatitis;
• surgeries performed for the reasons which arose before the effective date of the coverage;
• research or experimental surgeries or treatment;
• plastic or reconstructive surgery, excluding occurrences when such surgeries are performed in order to restore vitally important functions, after injuries caused by an accident;
• healthcare services related to IP's abortion (excluding a forced termination of pregnancy by doctor's prescription);
• obstetric assistance to puerperas after 28 weeks;
• medical intrusion with the purpose to cause or prevent IP's pregnancy, including treatment, procedures, and medicines;
• treatment of IP's overweight or obesity;
• organ or tissue transplantation;
• healthcare services related to the heart and vessels surgery, including angiography, angioplasty, shunting, and stenting;
• preventive healthcare provided to the IP, including vaccination and medical tests;
• self-medication, receipt of medical services from persons who are not trained or licensed therefor;
• purchase of medicines and receipt of healthcare services without doctor's prescription;
• treatment and diagnostics by means of alternative medicine (phytotherapy, iridology, homeopathy, reflexotherapy, manual therapy, etc.);
• resort treatment, rehabilitative care, educational and physical therapy;
• IP's receipt of inpatient treatment for the purpose of custodial or rehabilitative care;
• provision to the IP of enhanced comfort during his/her stay at the hospital – namely, humidifier, air conditioner, hairdresser's or beautician's services;
• dental prosthetics and orthodontics, treatment of periodontitis, or orthodontic implants;
• selection and  repair of corrective medical devices or appliances (spectacles, contact lenses, hearing aid, prosthetics, crutches, wheelchairs, etc.);
• purchase and repair of assisting medical devices (Schanz collar, bandage, spectacles, prosthetics, contact lenses, metallic devices for osteosynthesis (including nails, screws, pins, plates, bolts etc.));
• medical services provided to the IP in the event of his/her refusal of medical repatriation, if a medical repatriation decision was prescribed by a SC specialist and negotiated  with the doctor who  performs the treatment of the IP;
• treatment which, according to medical tests, may be deferred until IP's return to the country of permanent residence;
• occurrences which arose before the conclusion of the Insurance Agreement and/or crossing of he border or beyond the limits of insurance protection;
• provision of healthcare services to the IP related to IP's active rest or any other kind of sport, excluding occurrences when such trip is made with the purpose of doing sport, which must be specified with the “S” mark in the Risk Group section of the Insurance agreement.
• provision of healthcare services to the IP related to IP's fulfilment of any professional obligations, excluding a travel made with the purpose of fulfilling any professional obligations which are marked with “W” in the Insurance Agreement.

7.1.3.  IP's expenses on early return are not indemnified in the event of a close relation's death (spouse, children, parents (both IP's and IP's spouse's), siblings), if the death of an IP's close relation was caused by a disease on account of which he/she was hospitalized before IP's travel overseas.
7.1.4. IP's expenses on legal assistance are not indemnified if it was provided without prior negotiation with the SC, excluding urgent necessity (incarceration, arrest, etc.).
7.2. Baggage insurance accidents don't include occurrences which were caused by:
7.2.1. impact of regular temperature, hold air, regular atmosphere humidity or special characteristics of the baggage (natural loss of insured baggage (regular for a given baggage and means of transportation, natural loss of weight and volume, regular wear and tear) marginal discrepancies in measuring the net weight), corrosion, decay, natural wear and tear, internal spoilage, loss, rust, mould, etc.);
7.2.2. Internal characteristics or defects of the insured baggage;
7.2.3. Illegal acts committed by third parties which are not confirmed by a law enforcement body;
7.2.4. Shipment of spoiled baggage;
7.2.5. Spoiling of baggage by worms, rodents, or insects;
7.2.6. Missing baggage in the event of intact package and seals, as well as baggage devaluation caused by soiling, with intact package, seals, and protective equipment;
7.2.7.  Unsuitability of baggage (suitcase, bag, etc.) physical condition  for the safe transportation, load, unload or storage;
7.2.8. Incompatibility of baggage wrapping with technical conditions and standards;
7.2.9. Baggage transportation by unprofessional carriers;
7.2.10. Baggage forfeiture by customs authorities or other representatives of temporary stay country's official government;
7.2.11. Losses, shortages, spoilage or damage of unregistered baggage, items which are not entered in customs declaration;
7.2.12. In the event of IP's baggage loss or damage during its transportation by professional carriers, the Insurer does not indemnify the cost of cash in any currency, shares, bonds, other securities, insurance policies, saving account documents, bank cheques, credit cards and the like, manuscripts, drafts, drawings and other commercial, scientific, or personal documentation, precious metal ingots, precious stones; precious metal and stone jewellery; pearls or any other jewels, animals, plants and seeds, stamps, coins, banknotes, paintings, sculptures, other collections or works of art.
7.3. Third party liability insurance does not indemnify:

• losses related to contractual, economic, and criminal responsibility of the IP before third parties, as well as damage caused to environment;
• damage or losses caused to the IP by any motor vehicle;
• damage or losses caused to the IP's family members; fine, penalty or other financial sanctions, which are not direct consequences of the damage or property loss caused to third parties;
• damages and losses exceeding the amounts provided by the effective laws of Ukraine and/or country of IP's temporary stay, as well as the insurance amount amount specified in the Agreement;
• damage or loss caused during sport competitions or preparations thereto;
• damage or loss related to production or professional activity, physical work or criminal activites of the IP;
• damage or loss related arose from a fact, situation or circumstances which, before the Insurance Agreement effective date, were known to the IP, or with relation to which the IP was able to foresee a possibility of claims:
• moral harm, as well as harm caused to the image and reputation of third parties.

7.4. The insurance coverage does not apply to the natural persons whose age, on the day of return from travel, exceeds 85 years and incapable persons.
8. Rights and responsibilities of the parties
8.1. The Insured (IP) has the right to:
8.1.1. Get familiarized with the conditions of the Insurance Rules;
8.1.2. Receive indemnification (insurance payout) on conditions laid out in the present Insurance Agreement.
8.2. The Insurer has the right to:
8.2.1. Make inquiries into details related to the insured accident at law enforcement bodies, banks, healthcare institutions and other establishments and organizations, which possess information on the circumstances of the insured accident, investigate into the causes and circumstances of the insured accident, as well as arrange medical, and other examinations in order to resolve the issue of the insurance indemnification; to that effect, the period of writing up an estimate and the term of indemnification (insurance payout) is extended within the investigation period and resolution of the indemnification (insurance payout) issue or the period of inquiries submission and receipt of the replies and the documents;
8.2.2. Deny the insurance payout on conditions provided by Section 6 of the present Agreement;
8.2.3. Defer the  insurance indemnification (insurance payout) in the event of:

• reasonable doubts about the circumstances and causes of insured accident – until confirmation or rebuttal of the doubts;
• initiation of the criminal proceedings with regard to the IP or the occurrences which resulted in the insured accident, before the authorized bodies take a corresponding decision.

8.3. The Insured shall:
8.3.1. Timely pay insurance installments;
8.3.2. During the conclusion of the Insurance Agreement, submit the Insurer the information on all circumstances, known to the IP, which are essentially relevant  for the evaluation of the insurance risk and other valid insurance agreements related to the subject of the present Agreement.
8.4. The Insured Person shall:
8.4.1. In the event of an insured accident, follow the provisions of Section 3 of the present Agreement;
8.4.2.  Within 30 (thirty) business days, return the insurance indemnification, or corresponding part thereof, to the Insurer, if circumstances arise, causing his/her loss of right to receive it, as well as if the occurrence turned out not to be an insured accident;
8.4.3. Fulfil other obligations provided by the conditions of the present Insurance Agreement and the Rules.
8.5. The Insurer shall:
8.5.1. Inform the Insured (IP) of the Insurance Agreement conditions;
8.5.2. Within 7 business days of receipt of all documents, which confirm the insured accident and the amount of incurred expenses, approve or deny insurance indemnification, in latter case explain the reasons for the denial and notify the IP thereof in written within 5 days.
8.5.3. Make the insurance indemnification, under the conditions of the present Agreement, within 10 business days of payout approval.
9. Validity and territory of the Insurance Agreement
9.1. In the event of travel to Schengen member states, the insurance coverage terminates on one of the occurrences listed hereinafter:

• at 00.00 following the day specified as the last day of travel (the “Travel Period” section);
• at 00.00 following the day, after which the IP's stay abroad exceeds the number of days, specified in the present Insurance Agreement (the “Number of Days” section);
• at 00.00 following the last day, after which the total number of IP's stay abroad exceeds 15 days.

9.2.  If the Agreement provides multiple travels, which is specified with the MULT mark in the special provisions of the present Insurance Agreement, the Insurer is liable within the number of days, which is specified in the general section of the Agreement. With each trip abroad, the insurance period is automatically decreased by the number of days spent by the IP on the territory of the Agreement.
9.3. The period of the financial risk insurance agreement is the period from the conclusion of the present agreement to the effective date of the overseas travel comprehensive insurance agreement.
10. Endorsements, amendments and termination of the Insurance Agreement
10.1. The Insurance Agreement terminates by mutual consent of the Parties in accordance with Article 23 of the Law of Ukraine “On Insurance.”
11. Regression right
11.1. Upon insurance indemnification payout under the Insurance Agreement, within the actual expenses,  the Insurer gains the right of claim, which the IP, or other person, who was indemnified, has on the person liable for the loss. The IP must provide the Insurer all the documents needed in order to exercise such right.
11.2. The transfer of the claim right from the IP to the Insurer does not exempt the former from the obligation to take all available measures for the reducing of losses.
12. Dispute settlement procedures
12.1. Disputes, related to the insurance and issues not stipulated by the present Insurance Agreement, are settled in accordance with the effective laws of Ukraine.
13. Miscellanea
13.1. Insurance conditions and definitions, not included in the Agreement, are applied in accordance with the Rules and the Law of Ukraine “On Insurance.”
13.2. Estimated proceedings expenses are 40% of the premium.
13.3. The Insured confirms that he/she, and the IP, are familiarized with, and accept, the conditions of the Agreement and the Rules of Voluntary Insurance of Medical Expenses No. 21-01, Voluntary Insurance Against Accidents No.  02-01, Voluntary Third Party Liability Insurance No. 07-02, Voluntary Cargo and Baggage Insurance No. 04-02. As well, he/she gives his/her consent to the processing of his/her personal information by the Insurer, under the Law of Ukraine “On Protection of Personal Data.”
13.4. Before the signing of this Agreement, the Insured was duly provided and explained the information, provided by the Section 2 of Article 12 of the Law of Ukraine  “On Financial Services and State Regulation of the Financial Service Markets” no. N 2664-III (with amendments), as of July 12, 2001.
13.5. The Beneficiary, under the Agreement, is a person eligible according to the effective laws of Ukraine.
13.6. The insurance amount, insurance quote, premium, franchise under the agreement and insurance program are defined by the Insured when he/she fills out an application on the VUSO Insurance PJSC website (www.vuso.ua), and are sent at the Insured's email address, specified during application.




VUSO Insurance PJSC call center:
+380 44 237 12 03

BALT ASSISTANCE Ltd. International Service Company Telephone Numbers

SMS: +380937028555
Bulgaria: + 359 554 811 92, + 359 554 811 88, +359 554 81180
Greece: + 30 231 220 50 25
Egypt: + 20 1111 075 174, + 20 1100 783 485
Other countries of the world: + 7 4012 605 359
Poland: +482 218 812 99
Turkey: + 90 850 480 22 58, + 90 242 212 16 55
Ukraine: + 380 44 500 14 00

Additional contacts:

SKYPE: baltassistans
Email: [email protected]
Website: travelfrog.eu