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Notification of an insured event

 

In the event of an insured event requiring medical treatment or an accident:

Call the assistance company on the emergency number shown on your insurance policy and provide the following information:

  • Name and surname of the insured person;
  • Contact telephone number;
  • Location (country, city, hotel, etc.);
  • Policy number;
  • Brief description of the incident and the type of assistance required;
  • Any other information requested by the Assistance Provider.

You can contact the telephone numbers specified in the policy in Ukrainian, Russian or English, 24 hours a day, including holidays and weekends.

Then follow the instructions of the Assistive Company operator.

If you are unable to contact the assisting company, or if the situation requires an immediate decision regarding the need for medical assistance, go yourself to the nearest medical facility or doctor, where you will need to show your insurance policy.

In the case of in-patient treatment, you (or your representative) should contact the Assisting Company within 48 hours of admission to hospital and prior to payment of any benefits to agree the cost.

If the cost of treatment (out-patient or in-patient) exceeds USD 1000, you must agree the cost in writing with the Assisting Company or the Insurer within 24 hours before treatment begins. Written agreement means sending a notice of treatment and an estimate of the cost of treatment via the Internet or any other means of electronic information transfer, and receiving a written agreement (guarantee) from the assisting company or insurer by the same means.

In all other cases, you must notify the insurer of the occurrence of the insured event within 30 calendar days of its occurrence.

If you have paid any expenses related to the insured event yourself, make sure that you take and keep all documents confirming the fact of the occurrence of the insured event and the amount of expenses you have incurred:

  • An invoice from a medical institution (on letterhead or with an appropriate stamp) containing the following information: the patient's name, the exact diagnosis, the date on which medical assistance was sought, the duration of treatment, detailed data on the medical services provided, the diagnosis, the medicines prescribed, their quantity and cost;
  • Prescriptions issued by a doctor for the purchase of medicines, indicating the name of each medicine;
  • itemised invoices for other services, with a breakdown by date and cost;
  • Documents confirming the fact of payment for medicines, medical and other services provided (billing documents, sales receipts, bank receipts, etc.);
  • Invoices for telephone calls (faxes) showing the telephone number, date, time and cost of each call.

Expenses paid by you will be reimbursed on arrival in your country of permanent residence in accordance with the terms and conditions of the insurance policy.

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