Travel insurance

Services that do not apply to cases that are not considered insurance accident

• Administrative and military measures taken as a result of war, all kinds of operations, civil war, rebellion, public riots, uprisings, strikes, mass riots and for the purpose of their prevention and suppression, also as a result of the Insured serving in all kinds of armed forces and groups, terrorism acts and their consequences;
• As a result of natural disasters, nuclear explosion, radiation and radioactive radiation;
• As a result of the committing a crime or attempting to commit a crime by the policyholder, as well as intentionally inflicting physical injury on himself/herself and attempting suicide;
• Deliberate actions or inaction of the insured (the policyholder) and/or third parties interested in receiving the insurance payment, aimed at the occurrence of an insurance accident;
• Illegal acts committed by the Insured (policyholder) that are directly causally related to the insurance accident;
• As a result of alcoholism, drug addiction, toxic addiction, use of narcotic substances, psychotropic and addictive drugs;
• Epidemics, quarantines (except for Covid-19 disease), meteorological conditions;
• Surgical operations related to the heart and vascular system, angiography, angioplasty and shunting;
• Flight in a controlled aircraft, except for flights as a passenger in a civil aviation aircraft controlled by a professional pilot;
• Flight of the insured in non-motorized or motorized and superlight aircraft, as well as parachuting, mountain skiing, car and motorcycle racing, underwater swimming, water-motor and other dangerous sports;
• Insured's participation in training and sports competitions in professional sports;
• Being engaged in a highly dangerous type of activity for the life and health of the insured, as well as (when working as an official driving profession, miner, builder, electrician);
• Expenses related to the treatment that is the purpose of the trip;
• All chronic diseases and consequences (including death and repatriation costs) known or unknown to the Insurer before the start of the insurance coverage period;
• Medical expenses incurred by the insured in the country of permanent residence;
• Medical expenses incurred in excess of 200 (two hundred) manats without the consent of the Insurer and the Assistant company;
• If the insured event occurs after the expiry of the validity period of the insurance contract;

The Insurer does not cover the following expenses

• Expenditures related to the treatment of diseases known until the date of conclusion of the insurance contract, regardless of whether the treatment is carried out, except in cases where the medical assistance is related to acute pain or saving the life of the Insured;
• Expenses related to the treatment received by the Insured before the entry into force of the insurance contract, as well as in cases where there are contraindications to travel due to the Insured's health, expenses incurred in connection with the deterioration of the Insured's health or death;
• Costs of elimination and treatment of epilepsy, nervous and mental diseases (panic attack, depression, hysteria syndrome);
• Costs of treatment of oncological diseases;
• Treatment costs of chronic diseases, except for urgent measures implemented in situations that directly threaten the insured's life;
• Expenses incurred for medical services received by the insured person in cases not related to sudden illness or accident, expenses incurred for preventive measures and general medical examinations;
• Examination and treatment of the insured person for AIDS and other venereal diseases (mycoplasmosis, chlamydiosis, ureaplasmosis, cytomegalovirus, herpetic infections, etc.), complications and infections caused by these diseases, as well as treatment costs for diseases resulting from them;
• Expenses related to consultation, examination and treatment during pregnancy, as well as childbirth and postpartum expenses, artificial insemination, infertility treatment and pregnancy (fertilization) prevention expenses, excluding cases of childbearing (abortion) necessary to save the Insured's life as a result of an accident or sudden illness;
• In most cases, the costs of treatment for sexually transmitted diseases and their consequences;
• Plastic and reconstructive surgery, all types of prosthesis installation costs, including eye and dental prostheses;
• Expenditures for dental care, excluding the expenses for examination, treatment and medical preparations in case of acute inflammation of the tooth and surrounding tissues, as well as when the tooth is damaged as a result of an accident;
• Expenses related to the provision of medically unnecessary services or treatment not prescribed by the physician;
• Expenses arising as a result of the Insured's voluntary refusal to comply with the physician's instructions received based on his/her application regarding the insurance accident;
• Costs of non-traditional treatment methods, manual therapy, reflexotherapy (acupuncture), massage, homeopathy, phytotherapy and naturotherapy, and treatment with such non-traditional methods;
• Expenses related to services provided by a medical institution without a proper license or a person who does not have the right to practice medical activity;
• Rehabilitation-restorative treatment and physiotherapy expenses, expenses related to the purchase and repair of auxiliary equipment (glasses, optical and contact lenses, hearing aids, all kinds of wheelchairs, canes, crutches, etc. medical equipment and devices);
• Expenses related to taking a treatment-rehabilitation course in rest centers, sanatoriums, boarding houses, rest houses and other such institutions;
• Expenses related to disinfection, preventive vaccinations, medical examination, laboratory and diagnostic examinations not related to an accident or sudden illness; contracting any disease during participation in voluntary blood donation actions;
• Costs related to the provision of additional comfort, i.e. "deluxe" ward, television, telephone, air conditioner, humidifier, hairdresser, masseur, beautician, translator and other services;
• Expenses incurred after returning to the insured's country of permanent residence;
• Expenses exceeding the specified insurance amount;
• Outpatient treatment, inpatient treatment, medical transportation, repatriation costs after the death of the insured, not authorized by the Assistant center;

If an unconditional release is provided in the insurance contract, it applies when the expenses are paid for each insurance accident. If the case is not considered an insurance accident, as well as in other cases stipulated by the legislation, insurance payment is refused.