Insurance Risks for Insurance Against Accidents and Diseases
Insurance risks
For persons aged 18 to 64
Death because of an accident or illness first diagnosed during the insurance period, Group I disability because of an accident or disease first diagnosed during the insurance period or received within 1 (one) year from the date of the accident or diagnosis of the disease
For persons over 65
Death, disability group I, resulted from an accident that occurred during the insurance period. Insured events that occurred within 1 (one) year from the accident date are covered.
Connection fee
Insurance of property interests is associated with the risk of damage, destruction, or loss of property. Cards, funds on the card account, and cash received at an ATM using a card. Charged monthly at 0.97% per month of the actual amount of the used credit limit for the past calendar month, but not less than 100 ₽.
Insurance Risks
For persons aged 18 to 68
Unauthorized write-off/receipt of funds from the card account of the Insured by third parties as a result of:
Theft or loss of the card or its data
- Phishing (deception and misleading the Cardholder during a telephone conversation or messaging via the Internet to use card data (not lost, not stolen): usernames, passwords, PIN codes, and data recorded on the card (card number, expiration date, owner’s name, CVV/CVC codes) for the subsequent use of such data for illegal debiting of funds from the card account)
- Skimming (copying and further malicious use of identification data applied (embossed, printed) on the surface of the card (not lost, not stolen) and on its magnetic stripe or chip)
- Illegal CNP transactions (operations without presenting a card – malicious use of identification data applied (embossed, printed) on the surface of the card (not lost, not stolen), including fraudulent actions when paying with a card in trade and service and other organizations)
- Robbery is the theft of cash due to robbery or robbery when withdrawing money from an ATM. Robbery (attack) occurred within 2 hours of cash withdrawal.
Connection fee
They charged 1.02% per month of the used credit limit amount for the past calendar month, but not less than $100.
Insurance of Life, Health, and Property Interests Associated with the Risk of Damage, Destruction, or Loss of Property
Cards, funds on the card account, or cash received at an ATM using the card.
Insurance risks
For persons aged 18 to 64
Death as a result of an accident or illness diagnosed during the insurance period Group I disability because of an accident or disease first diagnosed during the insurance period or received within 1 (one) year from the accident or diagnosis of the disease.
For persons over the age of 65
Death, disability group I, resulted from an accident that occurred during the insurance period. Insured events that occurred within 1 (one) year from the date of the accident are covered
In terms of insurance of property interests associated with the risk of damage, destruction, or loss of property (cards, or funds on a card account, and cash received at an ATM using a card)
Unauthorized write-off/receipt of funds from the card account of the Insured by third parties as a result of:
- Theft or loss of the card or its data
- Phishing (use of card data (not lost, not stolen): username, passwords, PIN codes, and data recorded on the card (card number, expiration date, owner’s name, CVV/CVC codes) by deception and misleading the Cardholder during a telephone conversation or messaging via the Internet for the subsequent use of such data for illegal debiting of funds from the card account)
- Skimming (copying and further malicious use of identification data applied (embossed, printed) on the surface of the card (not lost, not stolen), and on its magnetic stripe or chip)
- Illegal CNP transactions (operations without presenting a card – malicious use of identification data applied (embossed, printed) on the surface of the card (not lost, not stolen), including fraudulent actions when paying with a card in trade and service and other organizations)
- Theft of cash due to robbery or robbery while withdrawing money from an ATM. Robbery (attack) occurred within 2 hours of cash withdrawal.
Connection fee
They charged 1.99% per month of the used credit limit amount for the past calendar month, but not less than $200.
- The territory of insurance-by-insurance programs
Worldwide, excluding war/conflict zones
- Conditions upon the occurrence of an insured event
Worldwide, excluding war/conflict zones
You Should Contact the Insurance Company
- Block the card immediately within 1 (one) hour from the moment when it became known about the occurrence of the insured event
- Be sure to apply to the bank with an application to protest an unauthorized transaction within the period set by the bank
- Immediately, without fail, when it became known about the occurrence of an insured event, report the incident to law enforcement agencies (Ministry of Internal Affairs, police)
- Within 5 (five) calendar days, notify the Insurer in writing about the occurrence of an insured event and provide the necessary documents
- Let us know about what happened during the day in any convenient way
- You will need to provide your insurance policy number
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