COVID-19 insurance in Kyiv under the Antivirus program in the MED-Help+ Medical Center

According to statistics from the Ministry of Health of Ukraine, young people, both male and female, aged 30 to 45 years are most often affected by the coronavirus “COVID-19”.

The Medical Center “MED-Help+” offers to take out insurance against coronavirus in Kiev under the “Antivirus” program with a risk payment of 10% of the insurance coverage if hospitalization occurs and 100% in case of death due to “COVID-19”. Registration of an insurance policy is carried out quickly and without intermediaries.

Key Terms of the Antivirus Program Due to COVID-19

Anyone can take out coronavirus insurance in Kyiv, starting from the age of 1 to 59 years (on the date of the Insurance Contract).

The client can choose the conditions independently:

• The insurance amount is at the insured person’s choice (thousand hryvnia) – 25, 50, 100, 200. This is the monetary amount that the company pays upon the occurrence of an insured event.
• The period of validity of the contractual agreement (insurance coverage) is three months or six months.

The Kyiv coronavirus insurance contract comes into force two weeks after the policy is issued.

Before concluding a contractual agreement due to the disease “COVID-19”, it is not necessary to undergo an examination.

The insurance amounts and the amount of insurance coverage in the event of an “insured event” depend on the validity period of the “Contract” and the age of the person who issues the policy.

Period of validity of the Agreement	Insurance amount (UAH)	Insurance payments depending on the age of the insured person (UAH)
		1-39 years	41-49 years old	50-59 years old
3 months	25,000	190	440	1230
	50,000	380	870	2460
	100,000	760	1750	4910
	200,000	1520	3500	9840
6 months	25,000	340	740	2100
	50,000	660	1500	4190
	100,000	1330	2980	8390
	200,000	2660	5960	16770

Restrictions under which COVID-19 insurance is not issued in Kyiv

There are certain exceptions when it is not possible to insure against coronavirus. These include the actions of the insured if:

• a deliberate crime, suicide, or attempted suicide was committed;
• the person was driving a vehicle under the influence of alcohol;
• actions or inactions were committed in a state of intoxication or intoxication with any substances (alcohol, toxic, narcotic);
• the person is undergoing treatment in a day hospital;
• the insured person took part in terrorist acts, in military operations, there are military risks;
• a person participates in sports activities where there is a risk of injury/mutilation;
• other cases that are not directly related to the insured person (natural disasters, nuclear explosions, radiation).

There are reasons why insurance coverage payments may be denied:

• if the insured person or the beneficiary committed deliberate actions to cause the occurrence of an “insured event”;
• the person provided false information about the causes/circumstances that preceded the disease;
• if the notification of the occurrence of an “insured event” was received late (untimely).

Who cannot take out an insurance policy?

There are a number of people who cannot get coronavirus insurance in Kyiv. These include:

1. People in the age category over 59 years old.
2. Workers in medical specialties.
3. Patients with serious health problems (alcohol addicts, drug addicts, substance abusers, with injuries, with diabetes, with epilepsy, with mental pathologies, with AIDS and HIV, with tuberculosis, with oncological diseases).
4. Persons who are registered or undergoing treatment in drug treatment centers.

Actions to take in the event of an insured event

There are certain steps that the insured person must follow:

• Report the disease “COVID-19” within 3 working days by phone (in case of hospitalization, 30 days are given). This can be done by relatives, family members or the insured person. The application is submitted by the person who signed the insurance contract or his relatives.
• The applicant is directly responsible for collecting all documents (the list of documents is provided by a medical center employee).
• The submitted application is reviewed within 15 working days after the submission of the full package of documents. After that, a positive or negative verdict is issued.
• Insurance coverage (risk payment) is made within 10 days after a positive decision is made. Heirs receive compensation after proving their rights to inheritance.

Anyone can get coronavirus insurance at the MED-Help+ Medical Center if all conditions are met. For questions about issuing a policy, restrictions, or obtaining insurance coverage, please contact our competent staff by phone!