Privat insurance

Subject-matter of insurance:

• Flat,
• House, villa, dacha,
• Electrical appliances,
• Furniture and other movable property.

Risks insured:

• Fire, lightning, explosion,
• Natural disasters, earthquake,
• Falling of aircraft or other flying devices or their fragments,
• Damage by water resulting from burst of pipes or overflow of reservoirs,
• Malicious damage from third parties including theft with (violent or forcible) burglarious entry,
• Impact by motor vehicles,
• Landslip, subsidence, mudflow,
• Other risks.

Additional coverage:
Householder's third party liability insurance for damage to health or property of third parties (including property and health of neighbors).

Any individual, whose age is from 16 to 60, has a right to enter the medical insurance plan.

LIABILITY LIMIT

Besides those listed in the chapter “Exclusions from the insurance plan”, the Insurance Company covers all your medical expenses within the following liability limit:

• - Total annual limit - 30,000 AZN
• - Deferred Period – 6 months
• - Period of continuous stay at hospital - 60 days
• - Territorial Scope – Republic of Azerbaijan
• - Insurance premium – 200 AZN

 DEFERRED PERIOD

No surgical operation or hospital service expenses of this period are reimbursed, even in severe and urgent cases  (accident cases receive an insurance support as exclusion).

INSURANCE COVERAGE INCLUDES:

Description of the basic coverage:

• - Surgical operations
• - Treatment by medical specialists (including physiotherapy, medical massage, curing sports, acupuncture, manual therapy)
• - Instrumental diagnostics and laboratory analysis
• - Providing medicines prescribed  
• - Post-surgical and general care
• - Reanimation
• - Rehabilitation
•         - Providing a patient with meal and ward (the coverage includes standard double ward)

 Rehabilitation:  During the period of 3 months after a surgical operation included into to Insurance Plan, reimbursement of the expenses for laboratory analysis and medical examination by specialist physicians, performed in direct connection with the surgery applied and under condition of the related medical appointment, is guaranteed. The Insurance Plan doesn’t cover providing with medicines prescribed for rehabilitation period and receiving of physiotherapeutic procedures including physiotherapy, medical massage, curing sports, acupuncture, manual therapy.

Description of Additional Coverage:

• - Oncologic diseases:

In situations when the surgical operation of benign tumours is needed for the patient’s living and staying in life, the surgery operation is covered by insurance.

The surgery operation of malignant tumours is covered by insurance.

Note: Course of the chemical treatment, medicines used during this treatment and relevant injections are covered by insurance only during the period of 3 months after a surgical operation applied, in frames of the rehabilitation support plan and according to the medical prescription from the doctor. 

• - Cardio-Surgery:

Surgical operation on aortic-coronary bypass surgery and implantation of the cardio-stands for treatment of an acute myocardial infarction  is covered by insurance only if infarction  was defined by a doctor as happened during the insurance period. When the need for surgery has been approved, the insurance company covers expenses on the angiography. 

• - Transplantation of Organs

The insurance company covers expenses for surgical operations on transplantation of organs only when its need resulted from an accident.

Note: Search for the needed transplantation organ’s donor, buying of that organ as well as the related expenses coverage – none of these is included into the insurance plan. When the alive donor is used for transplantation, the insurance company does not cover expenses for surgery operation on taking the organ from the donor. If the operation didn’t result in donor organ’s reception, transplantation repetition within the same insurance period is not included into the insurance plan.

• - varicose expansion of veins of the lower limbs (surgical operation)

Insurance covers necessary surgical operation on varicose expansion of veins of the lower limbs. Surgery intervention performed for getting rid of the venous asterisk belongs to plastic surgery and its coverage is not included into the insurance plan. Pampinocele is considered to be an inborn pathology and thus its surgery is not included into the insurance plan. Supportive medical accessories needed for post-operational rehabilitation, elastic bandages, stockings etc. are not included into the insurance plan.

• - The insurance plan includes expenses on replacement of a joint with an endoprosthesis, surgical operation on limbs’ prosthetic (inborn pathology cases excluded). Cost of an endoprosthesis itself and costs of prostheses in general are not included into the insurance plan.

 * You can obtain broad information on diseases and accidents which are not included into the insurance plan here.

HOW TO APPLY FOR THE MEDICAL AID:

• - We insist advising you: when the Insurance accident occurred, please immediately contact the Consultation-Coordination Centre of the insurance company, and our doctor-coordinators will advise you about how you should submit to the insurance company the information needed for receiving high level medical service in a short time.
• - Any treatment, examination etc., not agreed with the insurance company in advance, will not receive an insurance coverage.
• - The listed below is information, which necessarily should be submitted to the insurance company for the primary expertise needs, and the insurance company takes an obligation to keep it in secret:
• - Name, Surname, Patronymic of the Insured and his/her insurance police number. 
• - Name of the medical enterprise which performed the examination
• - Name, surname and telephone numbers of the doctor, who performed the examination
• - Broad description of the medical diagnosis.
• - Original documentation of all the diagnostic and laboratory analysis related to the insurance event.
• - Doctor’s notification confirming the need for stationary aid.

After all of the listed above documents are submitted, then our highly experienced medical experts will perform the medical expertise of the insured event. 

When the medical expertise by the insurance company confirms that the insured event had occurred in accordance with conditions of the contract between the insurance company and the patient, then you will be advised about the best medical establishments and highly experienced medical specialists providing medical services for your diagnosis; clinical consultations will be provided; you will be instructed about all procedures needed; control on the medical aid’s guarantied quality will be organized.

Advantages:

• Big number of additional options such as documentation collecting assistance, courtesy car, legal help, etc,
• Recovery of the vehicle from the accident place,
• Repair in approved professional repair centers only,
• Repair of all new vehicles and vehicles with after-sale warranty in official distributor’s centers only,
• Payments on small damages without any documents from police (in case of no subrogation rights of Insurer),
• Option to get financial indemnity (money payment) after the estimation by Insurer,
• Continuous information support, etc.

MOTOR OWN DAMAGE INSURANCE

Subject-matter of insurance

Risks insured:

• road accidents,
• fire,
• lightning,
• explosion,
• forces of nature (rainfall, earthquake, storm, hurricane, flood, etc),
• malicious acts of third parties,
• damage of fallen objects,
• theft (burglarious entry),
• Other unexpected and accidental events.

THIRD PARTY LIABILITY INSURANCE

Subject-matter of insurance

• Vehicle owners liability.

Insurance programs:

• Compulsory motor third party liability insurance,
• Voluntary motor third party liability insurance.

Insured event:

• Responsibility if the vehicle owner to indemnify the damage to the health or property of the third parties resulting from driving the insured vehicle.

DRIVER AND PASSENGERS PERSONAL ACCDIDENT INSURANCE

Subject-matter of insurance

• Life and health of driver and passengers in the vehicle.

Insured event:

• Damage to health or death of driver or passengers resulting from personal accident occurred while moving in the vehicle or during the charge to or discharge from the vehicle.

ADDITIONAL COVERAGE

• Additional equipment insurance — audio, video, communication equipment, horns and other non-manufacturer’s equipment installed on the vehicle (list of equipment must be stated in the insurance policy),
• Replacement of locks — reimbursement of expenses related with replacement of locks resulting from the loss of keys or remote control device,
• Technical emergency assistance — arrangement of technical assistance to insured vehicle in case of failure or break-down,
• Medical emergency assistance — arrangement of emergency medical help to driver and/or passengers of insured vehicle injured in accident,
• Legal assistance — reimbursement of expenditures related with court taxes, other legal expenses, consequential losses not covered by insurance policy and expenses on attorney’s services in settlement of the issue in non-judicial order;

Driving other cars cover — covers legal liability of the Insurer while driving other cars.

The insured person can benefit from the services as per below: 

• Medical services (ambulance, diagnosis, treatment, hospitalization, surgery, supply of medicines); 
• Medical evacuation, repatriation, repatriation of the deceased, as well as medical consultation and transportation costs. 
• The insurance contract also covers personal accidents.