JUNIOR Extra

A classic European program, together with which your child receives protection in case of loss of breadwinner, and you get your own guarantees that the capital to ensure your child's future will be created in time.

Information document on the standard insurance product "JUNIOR Extra"

General conditions of the "JUNIOR Extra" insurance product.

JUNIOR Extra guarantees

Accumulation of funds for the child

Payment of the guaranteed insurance sum to the child together with the accumulated reserves of bonuses after the expiration of the insurance contract

Protection in the event of the death of the breadwinner

Payment of the guaranteed insurance sum to the child together with the accumulated reserves of bonuses at the end of the insurance contract, in the event that the insured person (breadwinner) dies (including due to natural death). At the same time, during the term of the contract, it is possible to receive a discounted guaranteed insurance amount

Protection in case of disability

Payment of the guaranteed insurance amount to the child, in the event that during the term of the contract, the child received full 100% disability as a result of an accident. At the same time, the contract continues to be valid

ACCIDENT PACKAGE

It can be purchased at the request of the insured person (breadwinner) together with the main program.
The "Accident" package is additional protection with an insurance amount of 25,000 or 50,000 hryvnias, the terms of which include:
• Additional protection due to an accident if the insured (breadwinner) dies
• Additional protection of the insured person (breadwinner) in case of disability due to an accident

Accident package guarantees

Protection of life in the event of an accident

Immediate payment of the insured amount to the child under the "Accident" package and payment of the guaranteed insured amount to the child under the main program together with the accumulated reserves of bonuses after the expiration of the insurance contract, if during the term of the contract the insured person (breadwinner) dies as a result of an accident

Protection in case of disability

Payment of the sum insured under the "Accident" package to the insured person (breadwinner) in the event that during the term of the contract he/she received full 100% disability as a result of an accident

Important details

The minimum term of the contract

10 years

Minimum annual insurance premium

For main insurance - 300 dollars. USA (3,000 UAH)
An accident package - $15. US or 30 dollars. USA (75 UAH or 150 UAH)

Minimum age of the Insured Person

Adult (breadwinner) - from 15 years old
Children - from birth

Sum insured under the "Accident" package

5,000 dollars US or USD 10,000. USA (25,000 UAH or 50,000 UAH)

Example JUNIOR Extra*

Insured person	a 30-year-old woman child aged 5 years
Term of insurance	20 year
Annual insurance premium: according to the main program according to the "Accident" package	10 000 UAH 150 UAH
Guaranteed sum insured for the main program	223 713 UAH
Guaranteed sum insured for the "Accident" package	50 000 UAH

Insurance payments

The year of the insured event	Payment in case of death of the discounted insurance amount (together with bonuses), UAH	Payment in case of death due to an accident (together with bonuses), UAH	Payment at the end of the term of the contract (together with bonuses), UAH
2	110 431	160 431	х
6	135 559	185 559	х
11	198 088	248 088	х
16	320 909	370 909	х
20	х	х	509 376

*The example is given in case of the death of the insured person during the first year of insurance.