Information document about the standard insurance product
Illness insurance for viruses and infections: protection you deserve
In today's world, where infectious diseases and viruses can appear suddenly and unexpectedly, illness insurance becomes a necessary element of personal financial security. The COVID-19 pandemic has demonstrated how important it is to have a reliable illness insurance plan that will protect you from unforeseen treatment expenses.
Why It's important to get infectious disease coverage
According to the World Health Organization, infectious diseases kill over 15 million people worldwide each year. In 2022, more than 100,000 cases of infectious diseases were recorded in Ukraine, highlighting the need to have a policy that includes coverage in case of illness. Infectious disease insurance is crucial for anyone concerned about the financial impact of unexpected medical costs.
What conditions does infectious disease insurance cover?
| COVID-19 |
| Hepatitis B, C |
| Influenza |
| Measles |
| Lyme Sickness (tick-borne borreliosis) |
| Chickenpox |
What payment will the insured person receive in case of illness?
The payment is determined by the type of treatment and diagnosis within limits:
| Diagnosis/treatment type | Outpatient treatment, UAH | Inpatient treatment, UAH |
| COVID-19 | 3000 | 50000 |
| Hepatitis B, C | 10000 | 25000 |
| Influenza | 5000 | 5000 |
| Measles | 5000 | 5000 |
| Chickenpox | 2000 | 10000 |
| Lyme disease (tick-borne borreliosis) | 5000 | 20000 |
What is the cost of illness insurance?
Illness coverage costs 350 UAH and is calculated based on the duration of the contract and the age of the person.
What age is this program suitable for?
Infectious disease insurance can be purchased for individuals aged from 6 to 75 years inclusive.
How to buy illness coverage?
To purchase a policy, use our convenient online calculator. Choose the start date of the Coverage and the duration of the contract, your age. The calculator will automatically calculate the cost, and you'll just need to click the "Buy" button.
Process for completing the contract:
- POLICYHOLDER: enter your passport data, identification code, registration address in Ukraine, mobile phone, and email.
- INSURED PERSON: enter the data according to your Ukrainian passport, date of birth, and address of residence. If the policyholder and the insured persons are the same, simply check the corresponding box, and all data will be automatically copied.
- BENEFICIARY: provide the full name, date of birth, place of residence, and phone number of the person who will receive the payment in case of an insured event.
- Specify the delivery method for the electronic policy by selecting "Email", then "Online Payment." After entering all the data, click the "Sign the Contract via SMS" button, wait for a message with a 6-digit code, and enter it in the corresponding field.
- Then click "Complete Contract" and finish the process.
- After this, the site will redirect you to the payment system for policy payment, and after payment, the policy will be sent to the specified email.
Advantages of illness insurance for viruses and infections
- Financial Security: infectious disease insurance helps cover medical expenses, reducing the financial burden on the family in case of illness of the insured person. For example, the average cost of COVID-19 treatment in a hospital in Ukraine exceeds 10,000 UAH, and with a policy, you will receive a payment of 50,000 UAH or 3,000 UAH (for outpatient treatment).
- Access to quality medical care: with a policy, you can contact Misto IC for advice on the best clinic or specialists.
- Convenience of use: Misto IC provides the ability to purchase a policy online, allowing you to quickly and effortlessly obtain financial protection.
- Peace of mind in difficult times: knowing that you have illness insurance allows you to focus on recovery rather than financial problems.
Infectious disease insurance is essential protection for everyone in today's world. Take care of yourself in advance by choosing a policy that suits you. Your well-being is the most valuable thing you have, and investing in illness insurance is a smart step towards a peaceful and safe life.
Table of terms and conditions for insurance against infectious diseases and viruses:
| The insured risks covered by the Agreement include: | The insurance coverage is 50,000 UAH, including the limit per case, UAH | |
| Temporary disability of the Insured Person due to illness: | during outpatient treatment | during inpatient treatment |
|
3 000 UAH | 50 000 UAH |
|
5 000 UAH | 20 000 UAH |
|
10 000 UAH | 25 000 UAH |
|
2 000 UAH | 10 000 UAH |
|
5 000 UAH | 5 000 UAH |
|
5 000 UAH | 5 000 UAH |
| Age of the Insured Person | under 1 year old | 1-65 years old | from 66 years and older |
| Insurance coverage, UAH | 50 000 | ||
| Insurance tariff for 1 year, % | 8,50 | 5,50 | 11,00 |
| Insurance premium per insured person for 1 year, UAH | 4 250 | 2 750 | 5 500 |
| Insurance tariff for 6 months, % | 5,40 | 3,40 | 6,80 |
| Insurance premium per insured person for 6 months, UAH | 2 700 | 1 700 | 3 400 |
| Insurance premium for 3 months, % | 3,30 | 1,60 | 2,00 |
| Insurance premium per insured person for 3 months, UAH | 1 650 | 1 650 | 1 650 |
| Insurance premium per insured person for 1 month, UAH | 0,90 | 0,70 | 1,80 |
| Insurance premium per insured person for 1 month, UAH | 450 | 350 |
900 |
To apply for an insurance policy, the following documents are required:
- Internal passport or ID card.
- Identification code.
In case of illness, you should:
- Immediately, but no later than 2 (two) working days, inform «Misto» Insurance Company about the event that qualifies as an insurance case by calling 0-800-211-118.
- Seek medical assistance and follow the recommendations of the doctors.
- Provide all necessary documents to «Misto» insurance company by any available means (through the website ic-misto.com.ua, postal service, etc.), including:
- A written application in the prescribed form requesting insurance payment.
- Copy of the Application/Online Policy (upon request from the insurer).
- Copy of the sick leave certificate (if available).
- Copy of the results of clinical and laboratory studies and a medical facility's consultative conclusion (extracts from medical records) with information about the diagnosis, duration of treatment of the Insured Person.
- Identification documents of the insurance recipient: passport, identification code certificate.
- Bank statement with bank details or an electronic statement of the client's card account with full details, including IBAN.
- Other documents, upon request from the insurer, which are necessary to recognize the event as an insurance case and/or to clarify the facts, reasons, and circumstances of the event.
- Upon request from the insurer, provide the insurer's representative with the opportunity to conduct additional medical examination of the Insured Person.
The decision to make or refuse an insurance payment is made by the insurer within 3 working days after receiving all the specified documents. Insurance payment is made within 2 (two) working days from the date of signing the insurance act.
If you have any questions regarding the processing of an insurance case, you can contact us by phone at 0 800 211 118.
