"Opora" 24/7

1

Insurance Object

Life, health, and ability to work of the Insured person, associated with:
• Insurable interests of the Policyholder (Insured person/Beneficiary);
• Insurance risks subject to coverage.

2

Insurance Risks, Events, and Limitations

Insurance risk is the occurrence of a disease in the Insured person from the list specified in the Table "List of Diseases and Payment Amounts" in Appendix No. 1 to the Offer, available via the link (hereinafter referred to as the Payment Table).

Insurance Events:

1. Death of the Insured person due to the occurrence of an insurance risk.
2. Disease of the Insured person according to the Payment Table.

Insurance Limitations::

Persons who cannot be insured:

• Under 1 year or over 69 years old at the time of contract signing;
• Who reach 70 years during the contract period;
• Legally incapacitated;
• Suffering from severe diseases of the nervous system or malignant tumors;
• Mentally ill (registered in narcological, psychoneurological dispensaries);
• HIV-positive.

3

• Insurance sum - 50,000 UAH.

4

Minimum and Maximum Insurance Premium and/or Tariff

Monthly insurance premium: from 100.00 UAH to 240.00 UAH.

Annual insurance tariff: from 2.40% to 5.76% of the insurance sum.

5

Type, Minimum and Maximum Deductible (if applicable)

None.

6

Territory and Duration of the Insurance Contract (including activation procedure and insurance period(s) if applicable)

Contract territory - Ukraine.

The contract does not apply to:
- territories of Ukraine that are temporarily occupied, areas where Ukrainian state authorities temporarily do not exercise their powers, settlements located on the line of demarcation, active combat zones where military actions are taking place on the date of the event indicating an insurance case.

Contract duration - 1 year with the possibility of extension (renewal).

The contract takes effect at 00:00 (Kyiv time) on the start date specified in the contract, but not earlier than the day following the payment of the insurance premium amount specified in the contract to the Insurer's account. The contract remains valid until 24:00 (Kyiv time) on the end date specified in the contract unless other circumstances lead to early termination.

The contract term is divided into insurance periods - 1 month each.

Insurance protection in each period is valid upon payment of the premium for that period according to the contract terms. The contract is extended for the same duration under the conditions specified in the contract unless either party declares intent to terminate.

The contract establishes a waiting period for insurance cases—a time interval from the contract's effective date (or the date of the Insurer's liability restoration after partial premium payment for an unpaid insurance period), during which any diagnosed illness or symptoms recorded in medical documents do not qualify for payouts during the contract term.

Upon subsequent contract renewal for the Insured person, the waiting period does not apply if there was no interruption between the contract's expiration and its renewal.

Waiting periods for each illness are set in calendar days and listed in the Payment Table (Appendix No. 1 to the Offer).

7

Possible Consequences for the Consumer in Case of Non-Compliance with Obligations Defined in the Insurance Contract

For non-compliance or improper compliance with contract terms, the policyholder bears responsibility as provided by law.

Late notification by the Policyholder or Insured person of the occurrence of an insured event without valid reasons within the timeframes specified in the contract, or failure to fulfill other obligations defined by the contract or law, if this results in the Insurer's inability to establish the fact, causes, and circumstances of the insured event or the extent of damage (losses), may be grounds for denial of the insurance payout.

If the insurance premium is not paid before the contract's effective date, the contract is considered not concluded. If the insurance premium is not paid before the start of the relevant insurance period, insurance coverage during that period is not effective.

8

Information on the Possibility to Purchase the Insurance Product Separately

The contract is not supplementary to other goods, works, or services that are non-insurance. There is no need for additional or ancillary services from the Insurer and/or third parties related to obtaining the financial service under the contract.

9

Conditions for Receiving Discounts on the Insurance Product and Promotional Offers from the Insurer (if applicable), Including Their Validity Periods

Discounts and promotional offers are not available and do not apply.

10

List of Information Significant for Insurance Risk Assessment and/or Information on Other Circumstances Considered When Determining the Insurance Premium

When entering into the contract, the Policyholder is required to provide the Insurer with information about the existence of an insurable interest in the insurance object, all known circumstances that are significant for assessing the insurance risk (determining the likelihood and probability of the insured event occurring and the extent of potential losses), and subsequently, no later than 5 (five) working days after any changes occur, inform the Insurer about any changes in circumstances significant for assessing the insurance risk.

Entering into a contract regarding individuals who cannot be insured according to the contract terms is considered a violation of the Policyholder's obligation.

11

Consumer Advisory on the Need to Review Information on Exclusions from Insurance Cases and Grounds for Denial of Insurance Payments, Liability Limits of the Insurer for Specific Insurance Objects, Risks, and/or Cases, as well as the Calculation Procedure and Conditions for Insurance Payments, including a link to such information

This insurance product requires prior consumer review to make an informed decision about entering into the insurance contract.

The consumer must review, before entering into the insurance contract, the information on exclusions from insurance cases and grounds for denial of insurance payments, liability limits of the insurer for specific insurance objects, risks, and/or cases, as well as the calculation procedure and conditions for insurance payments, contained in the General Terms of the "OPORA 24/7" insurance product, available at the following link: https://uniqa.ua/storage/public-offer/partner-reports/UMOVY_1515_OPORA.pdf