شروط وثيقة التأمين متوفرة حالياً باللغة الإنجليزية فقط.

1. Parties to the Agreement

Insurer:JSC “Unison Insurance Company” (I/N 404393152).

Insured: A tourist in respect of whom compulsory health and accident insurance is carried out.

Policyholder: A person who agrees to these terms and conditions and purchases the policy in favor of the insured on the basis of payment of the relevant premium.

2. Subject of the Agreement

The subject of this Agreement is the insurer's obligation to compensate for the damage caused by the insurance accident in exchange for the payment of the insurance premium by the policyholder/insured, in accordance with the rules and amount determined by these Terms and the Insurance Policy.

3. Definition of Terms

Compulsory Insurance Policy(the “Policy”) — a document certifying compulsory health and accident insurance, issued in electronic or material form.

Insurance Territory — only the territory of Georgia (except for the occupied territories).

Insurance period — the period specified in the insurance policy, during which the insurance is valid. It is calculated for the period of time from the entry of a tourist into Georgia to leaving the territory of Georgia, but not more than 1 (one) year.

An insurance policy can be purchased for a period of at least 1 day, and the insurance period should not be less than the period of travel.

Insurance premium — the cost of the insurance policy payable by the policyholder/insured to the insurer. The insurance premium is paid one-time, when the policy is issued. The paid premium is non-refundable.

Insurance amount — the maximum limit of reimbursement specified in the insurance policy, which is at least 30,000 (thirty thousand) GEL and within the framework of which the insurer undertakes to reimburse the insured for the expenses caused by the insurance accident.

Insured event — covers the expenses of medical services and repatriation caused by travel to Georgia and sudden illness or accident during the insurance period.

Deductible — the amount of money that is not reimbursed by the insurer and is deducted from the amount of insurance compensation.

Accident — implies a sharp deterioration or death of the health condition as a result of sudden exposure to external forces (physical, mechanical, thermal, chemical).

4. Insurance Coverage

This insurance covers the costs of medical care and repatriation caused by sudden illness or accident. In particular:

24/7 hotline — provides round-the-clock telephone insurance consultation and resolution of issues related to insurance provided for by this agreement.

Emergency inpatient service— provides for the reimbursement of necessary medical expenses (including diagnostic tests, medicines, surgical and conservative treatment) due to medical indications, accidents or sudden illnesses related to a deterioration of the insured's health condition, during which a delay of medical services for more than 24 hours will result in the death of the insured, disability, or significant deterioration of the health condition, and which requires a stay of more than 24 hours in a medical facility.

Treatment in the intensive care unit is financed with a maximum sub-limit of 350 GEL per bed. Emergency inpatient treatment is financed with a maximum sub-limit of 250 GEL per bed-day; the maximum number of reimbursable days is no more than the last day of validity of the policy.

Emergency outpatient services (Deductible 100 GEL per case) — provides for the reimbursement of necessary medical expenses (clinical, instrumental and laboratory examinations, outpatient manipulations, medicines) related to the deterioration of the health condition due to an accident or sudden illness, the postponement of which for more than 24 hours would result in the death of the insured, disability, or significant deterioration of the health condition, and which requires a stay of less than 24 hours in a medical institution.

Emergency dental services (extraction, anesthesia) — provides for the financing of emergency dental services in a licensed dental clinic during the validity period of the policy (subject to the deductible).

Medical evacuation — provides for emergency transportation of the insured from the scene of the accident or from a medical institution to another medical institution or to a border checkpoint in Georgia, within the limits specified in the policy.

Repatriation — provides for urgent transportation of the insured from the scene of an accident or from a medical institution to another medical institution or to a border checkpoint in Georgia, within the limits specified in the policy.

5. Additional Coverage

Additional coverages, if any, will be included in the insurance policy.

6. Signing the Insurance Contract

1. An insurance contract may be concluded electronically using a remote communication medium.
2. The insurance policy is issued on the basis of an insurance application completed electronically by the policyholder.
3. The issuance of an insurance policy by the insurer confirms the conclusion of the insurance contract.
4. The insurance is valid from 24:00 on the first day of the date specified in the insurance policy and is valid until 24:00 on the last day of the term provided for by the policy, unless otherwise provided for by the insurance policy.
5. Insurance of the same interest in another insurance company must be agreed with the insurer. If double insurance is signed for the purpose of obtaining illegal income, then all such contracts concluded for that purpose will be considered invalid.

7. Prerequisites for Indemnity

Insurance indemnity shall be issued in monetary form, not exceeding the actual amount of loss and within the limits of the sum insured, subject to the following conditions:

• There are no exceptions under these Terms.
• The insurer will reimburse the costs of any insured event excluding the deductible specified in the policy.

8. Exceptions

The insurer is not obliged to issue insurance indemnity in the following cases:

1. An event that occurred before the entry into force of the insurance, or an event caused by a condition existing before the entry into force of the insurance.
2. Expenses related to all types of damage caused by exposure to a radioactive source.
3. Treatment costs caused by injuries received while participating in maneuvers and training exercises of the Armed Forces.
4. Any expenses related to treatment and examination in an unlicensed medical institution; expenses related to treatment by a private person, experimental treatment, non-traditional medicine (acupuncture, homeopathy, manual therapy, etc.), or self-medication.
5. Expenses for the diagnosis and treatment of insured events caused by illegal acts, self-injury, suicide attempt, deliberate and/or gross negligence, alcoholism, drug addiction, substance abuse, or their complications. Medical expenses related to an insured event that occurred during the period of imprisonment.
6. Medical care costs related to all types of damage caused by epidemics or pandemics, environmental pollution, radioactive irradiation, or natural disasters.
7. Expenses related to insured events arising from participation in professional sports.
8. Expenses arising from accidents arising during war, hostilities, invasion of foreign troops (whether war is declared or not), civil war, rebellion, civil unrest, revolution, military coup or usurpation of government, or terrorist acts.
9. An event that occurred within 6 hours of policy purchase.
10. Misrepresentation, incorrect description, or cover-up of any important fact by the insured.
11. The term specified in the contract for leaving notice and submitting documents is not observed, regardless of whether the outcome would influence the decision.
12. The insured event did not occur on the territory of Georgia and/or during the insurance period.

9. Procedure for Issuing Indemnity

Insurance reimbursement is issued after:

1. Determination of the fact of the insured event and the amount of damage.
2. Determination of the form and amount of remuneration.
3. Qualification of the accident as an insured event.
4. Determination that the policyholder does not have insurance premium debt.
5. The insurer reserves the right to postpone the decision on insurance compensation if a criminal case has been initiated against the insured in connection with the fact of incurring an insurance risk.

The insurer will reimburse the costs of the insured event after deducting the deductible specified in the policy.

10. Rights, Duties and Responsibilities

The policyholder/insured is obliged to:

• Pay insurance premiums.
• In the case of double insurance, notify the insurer immediately in writing, indicating the identity of the other insurer and the amount of insured cover.
• If the policyholder wishes to terminate the insurance prematurely, apply to the insurer in writing — oral or telephone notification is not a valid basis for cancellation.
• Provide the insurer with accurate information both before receiving the policy and during its validity period, where it affects the assessment of risk.
• Pay a penalty in case of failure to fulfill the obligations assumed within the established time limits.

After the occurrence of an accident (illness, accident), the insured is obliged to:

• Call the assistance number +995 32 2 991 991 within 24 hours and inform the call center of the policy number, address, phone number and existing problems.
• When applying to a medical institution, show the policy to the medical staff and, if necessary, ask them to call the insurer's hotline to leave a notification.

JSC “Unison Insurance Company” serves the insured via the 24/7 hotline, where the insured will receive all necessary information about the rules for the use of medical services provided for by the insurance policy.

In case of an emergency requiring immediate medical care:

• Immediately contact the insurer's hotline at +995 32 2 991 991. If unable to make the notification due to your health condition, ask anyone with you to do so.
• The insurer is exempt from reimbursement if it receives information about the occurrence of an accident more than 24 hours after it occurred.

The insured must submit to the insurer within 10 calendar days after the accident:

1. Application.
2. Insurance policy.
3. Passport showing the date of crossing the border.
4. Medical and financial documentation confirming receipt of services.
5. The type and cost of medical services / assistance provided; diagnosis (according to ICD-10 codes).
6. Document(s) confirming payment for the service.
7. Accident certificate issued by law enforcement agencies (if a criminal case is initiated, the case materials available for the investigation).
8. Documentation issued by licensed medical service providers and medical institutions in accordance with Georgian legislation, including originals or duplicates of reports.

The list of required documentation may be clarified by the insurer in writing. The insured must submit any additional documentation within the time limits specified by the insurer.

The insurer is entitled to:

• Request any related additional information or documentation.
• Request a translation of the submitted documentation. The insured must provide a notarized translation.
• Obtain necessary information from third parties (doctors, medical institutions, transport services, etc.) in accordance with the procedure established by law.
• Reimburse a proportional share of the claimed indemnity, taking into account each policy with the relevant risk coverage.
• Refuse to issue insurance compensation, taking into account the terms of the contract.

11. Subrogation

If the policyholder can make a claim for compensation against a third party, that claim shall be transferred to the insurer if the insurer compensates the policyholder for damage. If the policyholder waives such claim or the right to secure it, the insurer is exempt from the obligation to compensate losses in the amount it could otherwise have recovered.

12. Validity and Termination

The validity of the insurance policy / travel insurance contract terminates:

• On expiry of the policy (insurance period).
• On exhaustion of the insurance limit provided by the policy.
• On the basis of a written agreement of the parties.

13. Sanctions on Termination

In case of non-payment of a one-time or regular insurance premium within the established time limits, the insurer is entitled to demand from the policyholder a penalty of 0.1% of the unpaid amount for each overdue day, but not more than the total amount of the insurance premium.

If the insurer terminates early: the insurer is entitled to retain the premium earned in all cases. If the earned premium has already been paid at the moment of termination, that amount is not refundable; only the unearned premium is refunded — except where losses have been reimbursed under the policy, in which case the policyholder must pay the full premium and no portion is refundable.

If the policyholder/insured terminates early: the insurer is entitled to additionally require 10% of the full insurance premium.

14. Insurance Premium and Payment Terms

The amount of the insurance premium and the method of payment are indicated in the insurance policy.

15. Dispute Resolution

Any dispute arising in connection with the contract (including those related to its existence, interpretation, performance and enforcement) shall be resolved through negotiations. Failing resolution, the parties shall apply to the court.

16. Communication Between the Parties

The insurer may notify the policyholder/insured by short text message, e-mail, photo message, or any contact specified by the insured on the application or insurance policy. The insurer is not responsible if the specified contact is incorrect or has changed without notification. A notification is considered delivered from the moment it is sent.

If a notification is sent to an e-mail address other than the one specified, the notification is considered delivered on the day of its actual receipt by the insured, where receipt is confirmed.

An insurance policy certified and issued by the insurer with an electronic signature or electronic seal is equal to the original. Consent given to the insurer by electronic communication is equivalent to a signature on the insurance terms. The policy and relevant agreement may be concluded in material written form, or via corporate e-mail completed with the insurer's unison.ge address — such confirmation is equivalent to a signature.

17. Processing of Personal Data

• The insurer is authorized to process personal data (including special categories of personal data) received within the scope of insurance, in accordance with the Law of Georgia on Personal Data Protection.
• The policyholder agrees that the insurer may process personal data of the insured, including special categories, within and to the extent of this Agreement, and where necessary transfer it to third parties. The insurer may also process personal data of the insured for marketing purposes, including direct marketing.
• When concluding this contract, the insured authorizes the insurer to obtain necessary information from third parties (doctors, medical institutions, transport services, etc.) and releases those persons from confidentiality obligations.
• The data subject may at any time request the insurer to terminate the use of their data for direct marketing purposes, in the same form in which the communication is carried out — by written or telecommunication means.

18. Final Provisions

A claim may be made to the insurer at complaints@unison.ge or by leaving a message on the insurer's hotline +995 32 2 991 991.

Any changes or additions to these Terms are provided (clarified) in the insurance policy or in the relevant agreement concluded between the parties. The agreement of the parties is not required to make changes if the amendment derives from current Georgian legislation.

19. Special Reservations

The parties agree that any terms set out in this section constitute special reservations that differ from the standard terms of the contract. Such clauses prevail over the general and standard terms of the Agreement.