MainINSURANCE RULES FOR TRAVELLERS

EXCLUSIONS FROM INSURANCE COVERAGE

Following positions are not recognized as insurance event and will not be covered by insurance:

• costs associated with the treatment of chronic diseases;

• Expenses related to the treatment of exacerbations of chronic diseases, which are not specified by the Insured (Insured) in the insurance application, in the insurance contract, in the insurance policy, in the Insurer's written request;

• costs associated with the purchase of medicines without prescribing a doctor;

• costs associated with the purchase of medicines, if prescribed, the composition of which is concealed by the originator, as well as the costs associated with the acquisition of food, fortifying agents, slimming and laxatives, prescription, cosmetics, mineral water and water additives In the bath;

• Expenses related to the provision of medical services, if the journey was undertaken with the intention of receiving treatment;

• costs associated with the treatment of cancer;

• costs associated with the course of treatment initiated before and continuing during the validity of the insurance contract, or if the journey was undertaken, despite the existence of medical contra-indications of the attending physician;

• costs associated with the treatment of nervous, mental illness and attempted suicide;

• costs associated with the treatment of illnesses caused by the use of psychotropic, narcotic, toxic substances, alcoholic beverages, and the treatment of injuries received by the Insured person while under the influence of the above substances;

• expenses for the treatment of alcoholism, drug addiction, substance abuse;

• expenses related to pregnancy for more than 12 weeks and abortions (with the exception of involuntary termination of pregnancy, which was the result of an accident);

• costs associated with the treatment of injuries, diseases caused by direct or indirect exposure to radiation of any kind, including solar radiation;

• expenses related to the purchase of glasses, contact lenses, hearing aids, prostheses, as well as expenses for all types of prosthetics;

• expenses related to treatment in sanatoriums and dispensaries;

• costs associated with the treatment of sexually transmitted diseases and AIDS;

• costs associated with the provision of preventive vaccinations and medical examinations;

• costs associated with cosmetic or plastic surgery;

• expenses related to acupuncture, physiotherapy and other types of restorative treatment;

• costs associated with the treatment of diseases, the onset of which could be prevented by advance vaccination;

• expenses related to the treatment of injuries, illnesses caused by sports, except for the cases of paying an additional premium with mandatory notification to the Insurer;

• expenses related to the treatment of injuries, illnesses caused by air transport, parachute jumping, mountaineering, moto and motor racing, and other dangerous sports, except for the cases of paying an additional premium with mandatory notification to the Insurer;

• expenses related to the treatment of injuries, diseases caused by participation in officially held sports competitions, except for cases of payment of an additional premium with mandatory notification to the Insurer;

• costs associated with the treatment of diseases and injuries resulting from civil wars, popular unrest, military operations, riots, insurrections, state of emergency and other such events;

• costs associated with the examination and treatment of the disease by scientifically unrecognized methods, as well as the costs of purchasing non-certified medications;

• costs associated with surgery or treatment that may be delayed until the Insured returns to the country of permanent residence and which has not been approved by the Insurer or the Service Company;

• expenses related to the treatment of diseases and injuries caused by criminal or illegal actions of the Insured;

• expenses related to the treatment of injuries and diseases received in a motor vehicle accident, if the Insured manages the means of transport without having a driver's license or transferred control to a person who does not have a driver's license;

• Expenses incurred as a result of violation of the rules of conduct established in public places for the Insured. 

• did not provide all the necessary documents to make a decision on the insurance payment;
• did not inform the Insurer of all information relevant to the assessment of the degree of risk;

• if the insured event occurred during the performance by the Insured of any type of employment (unless otherwise stipulated by the insurance contract).

The insurer also has the right to refuse an insurance payment if during the validity of the insurance contract: 

• deliberate actions of the Insured, the Insured person, aimed at the occurrence of an insured event;

• the commission by the Insured, the Insured, of an intentional crime, which is in direct connection with the occurrence of the insured event;

• The Insured's communication to the Insurer of knowingly false information about his health (or about the health of the Insured) and / or the amount and cost of medical services rendered.