MedAssistInternational Ltd

GENERAL DEFINITIONS 

  • Insurance company - legal entity, Established in accordance with the law and licensed to carry out insurance activities.

  • Insured - an individual whose property interests are the object of insurance.

  • Insurance risk is a supposed event, in the event of occurrence of which Insurance is carried out. The event, considered as an insurance risk, Must have signs of the probability and chance of its occurrence.

  • Insurance premium - insurance payment, which the Policyholder makes the insurer for the obligation assumed by him to reimburse the Insured / For Insurance / Beneficiary / other third party property damage, Caused by the occurrence of an insured event. The insurance premium is established in Rubles or in other foreign currency, or in conditional monetary units according to Currency of the Policy.

  • The deductible is a part of the losses determined by the Insurance Contract, it is not subject for reimbursement by the Insurer in accordance with the terms of the Contract Insurance and is established in the form of a certain percentage of the sum insured or at a fixed amount for each insured event.

  • Assistance company - an organization determined by the Insurer, which on behalf of the insurance company provides the organization of services to the Insured on the Insurance Territory.

  • Territory of insurance - state and other state-territorial and the administrative-territorial entities covered by the Insurance Contract, the exception is limited to the radius 100 kilometers from the administrative border of the place of permanent residence of the Insured.

  • Chronic disease - long-lasting persistent deviation from the norm and requiring constant (regular) observation and / or treatment and which has one of the following conditions:

    • acquired, can exist for an indefinite period of time regardless of whether he knew about him or not, requires medication or surgical treatment to eliminate or reduce the negative Influence on the body;
    • Congenital, due to intrauterine damages or exposure other damaging factors on the fetus during pregnancy, diagnosed at birth, in childhood or in later periods, incl. And for the first time, requiring medical or surgical treatment to eliminate symptoms or reduce the negative impact on the body;
    • Hereditary and genetic - diseases, the emergence and development of which are connected with defects in the hereditary apparatus of cells transmitted by inheritance through gametes, are caused by disturbances in the processes of storage, transmission and implementation of genetic information;
    • There is a possibility of relapse;
    • has a permanent character or progresses;
    • does not have known recognized methods of treatment;
    • requires palliative treatment;
    • requires long-term follow-up, consultations, periodic inspections.
  • Medical transportation or evacuation is necessary, with medical point of view (documented by the attending physician and agreed upon with the Assistance Company and / or the Insurance Company), transportation iInsured by medical or non-medical transport accompanied by Medical personnel providing qualified care for transportation insured person in the immediate vicinity of the place of injury or illness the specialized medical institution, in which there are conditions for rendering necessary medical assistance, or return of the Insured to the territory countries of permanent residence.

  • Conditional unit (cu) - the equivalent of a monetary amount, determined by conditions of the Insurance Contract.

  • Medical expenses - expenses for examination and treatment of the Insured, conducted in a licensed treatment and prophylactic institution or licensed physician, according to the standards of medicine of the host country insured, confirmed by a correctly issued medical report, invoice, and recipes.
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