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Purpose of insurance
Medical expenses coverage as a result of personal accident of persons traveling abroad.

A legal entity that is authorized to conclude a contract for this type of insurance.

Subject-matter of insurence
A physical person traveling abroad.

Sudden illness of the Insured, bodily injury as a result of an accident, his repatriation.

Insurance risks

  • As a result of the accident: death; loss of one or more limbs or one or both eyes; permanent complete loss of ability to work;
  • Coverage for:
  • luggage loss;
  • flight delay of the aircraft;
  • flight delay;
  • loss and theft of foreign passport, driver's license and travel documents.

Exclusions from insurance coverage

  • Injuries to the insured as a result of the following cases are exclusion:
  • Being of the Insured under the influence of alcohol, drugs or toxic substances;
  • Injuries received while driving any vehicle without the right to drive a vehicle;
  • Suicide or attempted suicide of the Insured;
  • Nuclear explosion, exposure of radioactive or other radiation;
  • Earthquakes, floods and other natural disasters (Acts of God), epidemics;
  • Unless otherwise provided by the insurance contract, engaging of the Insured in any kind of sport to participation in trainings and sports competitions.

Provision of information about claim
In the event of an insurance accident, the Insured is required to immediately inform the Insurance company or Assistance company.

Sum insured
The sum insured is determined according to the choice of the insured and the sum required by the embassy requesting the visa.

Insurance premium
The insurance premium is calculated based on insurance rates.

The deductible may be agreed by policy.
The amount of deductible is applied to each insurance risk and each insurance accident. The amount is reflected in the insurance form provided to the Insured.
When the deductible is applied, that sum is deducted from the amount of loss.

Territory of coverage
Insurance coverage is valid only in the territory specified in the insurance contract.

Period of insurance contract
Unless otherwise agreed by the contract, the insurance contract comes into force at 24:00 or full payment of the insurance premium, but not earlier than the date of beginning of the insurance period specified in the certificate.

Settlement of disputes
Arising disputes will be resolved in accordance with the legislation of the Republic of Azerbaijan, including the court.