For our customers

Date of state registration: 02/15/1996
Series A01 ¹624360
Record 1 074 105 0023 003969

Registration number in the State Register of Financial Institutions: 11100976
Issue date: 21.08.2004

The registration certificate

By the National Commission for State Regulation of Financial Services Markets’ order No. 788 dated May 05, 2019, JSC USIC was granted a license for the provision of financial services (except for professional activities on the securities market) in the area of voluntary insurance:

• Voluntary accident insurance
• Voluntary health insurance (continuous coverage)
• Voluntary health insurance (cost-of-illness)
• Voluntary insurance of land transport (except railway transport)
• Voluntary cargo and baggage insurance (luggage)
• Voluntary insurance against fire risks and natural disaster risks
• Voluntary property insurance (except for rail, land, air and water transport, inland sea and other types of water transport), cargo and luggage insurance
• Voluntary third-party liability insurance (except for civil liability of land vehicle owners, air transport owners liability, water transport owners liability (including the carrier liability))
• Voluntary credit insurance (including the borrower's liability for default of a loan)
• Voluntary financial risk insurance
• Voluntary insurance of guarantees and sureties, both issued and accepted
• Voluntary medical expenses insurance

National Bank of Ukraine (NBU)

01601, Kyiv, 9, Instytutska str
Correspondence address: 01601, Kyiv-8, 9, Instytutska str
Tel. 0 800 505 240
Website: www.bank.gov.ua
E-mail: nbu@bank.gov.ua

Online appeal application form is available at:
https://bank.gov.ua/ua/consumer-protection/citizens-appeals

National Commission on Securities and Stock Market (NCSSM)

01010, Kyiv, 8 Kniaziv Ostrozkykh str., building 30
Äëÿ ëèñòóâàííÿ: 01010, Kyiv, 8 Kniaziv Ostrozkykh str., building 30
Tel. 38 044 254-23-31
Website: www.nssmc.gov.ua
E-mail: office@nssmc.gov.ua

Other types of insurance, except life insurance

Reinsurance

Financial service offered to the client (the Insured). Such service will be provided along with the information about the cost of this service for the client unless otherwise provided by laws on the regulation of specific financial services markets, i.e., insurance services laws.

The cost of the service is determined in accordance with the approved Insurance Rules (for voluntary insurance). It is specified in a specific agreement between the financial institutio0n and the Insured and depends on the type of insurance, the amount of the deductible, the insurance conditions agreed by the parties (the Insurer and the Insured) and other conditions that may affect the cost of such service.

Conditions for and cost of additional financial services:

JSC USIC does not provide additional financial services.

The procedure of paying taxes and duties for a financial service provided to an individual.

Transactions associated with a financial service provided to an individual, in particular, payment of an insurance premium and an insurance indemnity, return of an insurance premium in case of early termination of the insurance contract are not subject or liable to taxation. Exceptions are cases of moral damages, death benefits (insurance compensation to the legal heir) and other cases, which are subject to taxation according to the Tax Code of Ukraine.

The insurance contract may be early terminated at the request of the Insured or the Insurer if this is provided for in the terms of the Insurance Contract.

The effect of the personal insurance contract cannot be early terminated by the Insurer unless it was agreed with the Insured fulfilling all the terms of the Insurance Contract and unless otherwise provided by the terms of the contract and the current legislation of Ukraine.

Any party will notify the counterparty of the intention to terminate the Insurance Contract early by sending a notice no later than 30 calendar days before the date of the intended termination of the Insurance Contract unless the contract provides otherwise.

In case of early termination of the Insurance Contract (unless this is the Life Insurance Contract), the Insurer shall - at the request of the Insured - return to the Insured the insurance premiums for the period remaining before the expiration of the contract by deducting regulatory insurance policy related costs that have been included in the insurance premium, actual amount of insurance premiums and insurance indemnities which were paid under this insurance contract. If the Insured's claim was caused by the Insurer's violation of the terms of the Insurance Contract, the Insured will return the full amount of insurance premiums paid to the Insured.

If the Insurance Contract (unless this is the Life Insurance Contract) is terminated, the Insured may request the Insurer to return the full amount of insurance premiums paid by the Insured. If the Insured's claim is caused by the Insurer's non-fulfillment of the terms of the Insurance Contract, the Insurer will return the insurance premiums for the period left before the expiration of the contract by deducting regulatory insurance policy related costs that have been included in the insurance premium, actual amount of insurance premiums and insurance indemnities which were paid under this insurance contract.

In case of the early termination of the insurance Contract refunds cannot be made in cash if premiums were wired to bank account(s).

The minimum validity term of the insurance Contract is established in accordance with the approved Insurance Rules for the relevant type of insurance.

Any disputes arising out of or relating to the insurance Contract between the Insured and the Insurer will be resolved through negotiations between the parties.

Head office address: 03056, Kyiv, 145, Borshchagivska str.
Tel. (044) 457-80-80
E-mail: office@uosk.ua
Correspondence address: Kyiv, 145, Borshchagivska str.

If the negotiations between the Insured and the Insurer on the disputed issue do not lead to a mutual agreement of the parties, the dispute shall be resolved in accordance with the procedure established by the current legislation of Ukraine.

The financial regulatory body:

National Bank of Ukraine (NBU)
01601, Kyiv, 9, Instytutska str
Correspondence address: 01601, Kyiv-8, 9, Instytutska str
Tel. 0 800 505 240
Website: www.bank.gov.ua/ua/consumer-protection

National Commission on Securities and Stock Market (NCSSM)
01010, Kyiv, 8 Kniaziv Ostrozkykh str., building 30
Correspondence address:
01010, Kyiv, 8 Kniaziv Ostrozkykh str., building 30
Tel. 38 044 254 23 31
Website: www.nssmc.gov.ua
E-mail: office@nssmc.gov.ua

A guarantee fund was formed in accordance with Art. 30 of the Law of Ukraine "On Insurance".

Insurance reserves were formed in accordance with Art. 31 of the Law of Ukraine "On Insurance".