Individuals

Under the insurance agreement there can be insured:

The Insured’s property interests related to possession, use and disposal of cargo.

The insurance agreement is concluded by the following condition:

"With responsibility for all risks” which covers:

- all losses from damage or total loss of all or part of the cargo;

- losses, expenses and contributions by general average;

- all necessary and appropriately made expenses for saving cargo, minimizing loss and defining its amount.

The damage is reimbursed in the following order:

- in case of total loss (destruction) of cargo - as insurance amount minus deductible;

- in case of damage (loss of part) of cargo – as share of insurance amount proportional to the value of lost cargo to the value of the whole cargo minus deductible;

- the cost of repairing damaged cargo if it does not exceed the amount of insurance indemnity;

Expenses that are subject to reimbursement under insurance terms are paid by the Company when paying insurance indemnity.

Under the insurance agreement there can be insured:

The Insured or the Beneficiary’s property interests related to the risk of loss, destruction or damage to property. The insurance agreement may be concluded from all risks or any combination thereof:

Fire, lightning, explosion, earthquake, landslide, landslip, mudflow, flood, storm/hurricane.

The company pays indemnity for the insured property that was destroyed or damaged as a result of storm/hurricane if the destruction or damage resulted from:

direct impact of storm/hurricane;

falling from storm/hurricane of parts of buildings, trees on the insured property or on the buildings in which it is located.

The damage is compensated in the following order:

- in case of the complete destruction (loss) of the property - in the amount of the actual value of this property as of the date of conclusion of the insurance agreement but not more than the insurance amount;

- In case of damage to all or part of the property - in the amount of recovery costs but not more than the insurance amount for each part of the property.

Recovery costs include:

- expenses for supplies and spare parts for repair (restoration);

- expenses for repair work;

- expenses for delivery of supplies to the repair site necessary to restore the insured property to the state it was before occurrence of insurance event.

The amount of insurance indemnity is determined taking into account the deductible after deduction of amounts received by the Insured or the Beneficiary.

Under the insurance agreement there can be insured:

The Insured Person’s property interests related to health when the Insured Person within insurance period addresses medical institution in case of acute disease, exacerbation of chronic disease and other health disorders to receive medical treatment within the limits of selected Medical Insurance Program.

The damage is compensated in the following order:

In order to receive medical services the Insured Person must contact Assistance Service of the Company using telephone numbers specified in the Insurance Policy, inform the operator about necessity for medical assistance and follow the operator's instructions.

When applying to medical institution, the Insured Person must present Insurance Policy and passport.

The company independently makes payment to medical institution for medical services rendered to the Insured Person.

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Under the insurance agreement there can be insured:

Insured persons against accidents occurred to them during participation in sport competitions and resulted in:

- traumatic injuries of the Insured person;

- death of the Insured person.

The outcomes of accident incurring within six months from the date of accident are also covered hereby provided that accident occurred within Insurance Period.

The damage is compensated in the following order:

The amount of insurance indemnity in case of occurrence of insurance event is determined as percentage of insurance amount in accordance with "Insurance Payments Table".

In case of several traumatic injuries the amount of insurance indemnity is determined as the sum of payments for each traumatic injury but not exceeding the personal insurance amount set for this Insured Person.

In case of death of the Insured Person as a result of accident, the amount of insurance payment is 100% of the personal insurance amount set for this Insured Person.

Under the insurance agreement there can be insured:

The Insured’s property interests related to the liability to compensate for damage caused to third parties resulted from the Insured’s unintended professional error during implementation of professional activities of realtor within insurance period and territory of the Republic of Uzbekistan.

The damage is compensated in the following order:

- in the amount of damage defined during claims settlement but not higher than the insurance amount.

- the amount of money as compensation for damage caused to the Beneficiary due to professional negligence, mistakes or omissions, himself and his staff acting in the course of their duties;

- the amount of the Insured's expenses for settling claims incurred by the written consent of the Company.

Insurance indemnity is paid by the Insurer on the basis of:

- the Insured’s application;

-the written application of offended third party for compensation of the damage caused.

The Company shall pay insurance indemnity within 15 (fifteen) days from the date of signing the Act on Insurance Event by transferring to the Insured’s or Beneficiary’s bank account.

Under the insurance agreement there can be insured:

The Insured’s property interests related to life and health.

The Company may offer discount for insurance premium calculated in accordance with the basic insurance rate and coefficients set.

The damage is compensated in the following order:

- in case of traumatic injury and/or other health disorder of the Insured Person;

- upon receipt by the Insured of the I disability group;

- Death of the Insured person.

Under the insurance agreement there can be insured:

The Insured’s property interests related to occurrence of his civil liability towards Beneficiary.

The damage is compensated in the following order:

The Company shall pay insurance indemnity within 15 (fifteen) days from the date of signing the Act on Insurance Event.

The decision to refuse insurance indemnity payment must be conveyed within 15 (fifteen) days.

The insurance indemnity shall be paid to Beneficiary or, upon agreement of the parties, to Insured.

After insurance indemnity payment the Insured's rights to claim from the tax consultant whose fault brought to the Insured's liability, shall not pass to the Company, except for cases of deliberate damage by the tax consultant.

Under the insurance agreement there can be insured:

The Insured’s property interests related to the Insured Person’s failure to fulfill obligations under the Warranty due to the death of the Insured Person occurred as a result of accident.

The damage is compensated in the following order:

The Company shall pay insurance indemnity within 15 (fifteen) days from the date of signing the Act on Insurance Event proportional to the amount of warranty to the amount of debt outstanding. The amount of insurance indemnity shall not include loan interests.

The decision to refuse insurance indemnity payment must be conveyed within 15 (fifteen) days.

Under the insurance agreement there can be insured:

Acute illnesses, trauma, poisoning, frostbite, burn occurred with the Insured Person within insurance period requiring medical services.

The damage is compensated in the following order:

The Insurer independently makes payment to medical institution for services rendered to the Insured Person within insurance amount.

Under the insurance agreement there can be insured:

Damage to the Insured's property interests as a result of:

- damage or loss of property within insurance period and insurance territory;

- occurrence of the Insured’s civil liability for causing damage to the life, health and/or property of third party within insurance period when using insured property.

The damage is compensated in the following order:

- in case of loss (total loss) of property - in the amount of property’s actual value as of the date of occurrence of insurance event but not more than insurance amount.

The insurer has the right to compensate for damage by in-kind contribution within the limit of insurance indemnity.

- in case of occurrence of the Insured’s civil liability - in the amount of damage caused to the third party determined by court decision or by agreement of the parties.

If the Insured has received compensation for damages from third parties, the Insurer pays only the difference between the amount received from third parties.

Under the insurance agreement there can be insured:

- Damage to the Insured’s health or death as a result of accident occurred within insurance period;

- the Insured’s loss of daily average income as a result of the Insured's inpatient treatment by dispatcher’s referral in case of accident occurred within insurance period.

The damage is compensated in the following order:

The Insurer independently makes payment to medical institutions’ accounts for services rendered to the Insured, including doctor’s call to accident place, hospitalization and medicines.

If the Insured receives insurance indemnity according to the Payment Table, he/she is not entitled to receive services in medical institution for this insurance event.

In case of the Insured’s death, insurance indemnity shall be paid to the Beneficiary in the amount of insurance amount less previously paid amounts.

In case of income loss - in the amount of daily average income for each day of the Insured's stay in medical institution within insurance amount set for income loss.

The insurance indemnity by the Payment Table of and/or income loss shall be paid within 15 days.

Under the insurance agreement there can be insured:

The Insured’s property interests resulted from liability occurrence under the legislation of the Republic of Uzbekistan for damage caused by notary due to violation of his/her professional duties while conducting insured activities.

The damage is compensated in the following order:

- the amount of money the Insured is obliged to reimburse in accordance with the legislation of the Republic of Uzbekistan to compensate damage caused to the Beneficiary resulted from the Insured's violation of his professional duties;

- expenses incurred by the Department of Justice in relation to consideration of the case in court for damage compensation caused as a result of insurance event.

The Company shall pay insurance indemnity within 15 (fifteen) days from the date of signing the Act on Insurance Event by transferring to the Insured’s bank account.

Each payment made by the Company to cover losses reduces the insurance amount by the amount of such payment if no additional insurance premium is paid to recover indemnity limit.

Under the insurance agreement there can be insured:

Sudden event beyond control of the Insured Person externally affecting the Insured Person’s body and causing traumatic injury or other health disorder, death of the Insured person as a result of accident.

Under other health disorder it is understood:

- bodily injury from burns, explosions, lightning or electric shock;

-intoxication by poisonous plants, chemicals, medicines, food and/or burns caused by inhalation or contact with poisonous and/or burning substances, steam or gases;

- frostbite, drowning, attack by intruders, animals or insects bite, sunstroke, accidental inhalation of foreign bodies, anaphylactic shock as well as injuries sustained during the vehicles (cars, trains, etc.) movement or their crash during use of cars, mechanisms and all kinds of tools.

The damage is compensated in the following order:

The Insurer independently makes payment to medical institutions’ accounts for services rendered to the Insured Person, including doctor’s call to accident place, hospitalization and medicines.

If the Insured Person receives insurance indemnity according to the Payment Table, he/she is not entitled to receive services in medical institution for this insurance event.

In case of the Insured Person’s death as a result of accident, insurance compensation is paid to his/her heirs in the amount of 100% of insurance amount for medical expenses less previously paid amounts.

Download the application form for My Health Individuals Accident Insurance Policy.