Часто Задаваемые Вопросы о Страховании

Question 1

What cases are not covered by the insurance?

Accepted Answer

The policy does not cover: • Orthodontics and orthopedics; • Cosmetology; • Preventive procedures; • Chronic dental diseases (unless in an acute stage); • Prosthetics; • Ritual services. A full list of exclusions is available in the Rules.

Question 2

What should I do if I need urgent medical assistance abroad?

Accepted Answer

Immediately contact the Assistance service and provide: • Your Full Name; • Your insurance company — Halyk Insurance; • Answers to the operator's questions. Important: Notify the Assistance service as early as possible to coordinate treatment and avoid a claim denial. If you don't need a doctor, but your baggage is lost or your apartment is damaged, call the Halyk Insurance Contact Center: +7 (727) 331 00 00 or WhatsApp: +7 777 090 18 50.

Question 3

I am going to Europe. How many people can I add to the policy?

Accepted Answer

For a Schengen visa, there can be only one insured person per policy. A separate policy must be issued for each person. For a child, the policy is issued by the parent.

Question 4

Can I add extra options?

Accepted Answer

Yes. You can include additional options: payouts for baggage loss, trip cancellation, and other risks.

Question 5

Why is my policy not being issued even though I replied to the SMS?

Accepted Answer

The system only accepts digits; do not include words like "Да", "Иә", or "OK." Refresh the page and repeat the process.

Question 6

How does the Multi-trip plan work?

Accepted Answer

The policy is valid for the entire selected term. You choose the duration of each individual trip yourself: 10, 30, 45, 90, or 180 days. The number of trips is unlimited.

Question 7

What does the SMS from 1414 mean?

Accepted Answer

This is a request for consent to collect and process personal data. Approval is mandatory; otherwise, the policy cannot be issued.

Question 8

Can I issue one policy for several countries?

Accepted Answer

Yes, you can select multiple countries in one policy. Exception: If you select Schengen countries, you can only add other countries within the Schengen Area to that policy. And vice versa. This is a visa requirement.

Question 9

Are there age restrictions?

Accepted Answer

Yes, the policy can only be issued for travelers aged 1 to 85 years.

Question 10

Is there a discount for children?

Accepted Answer

Yes. A 10% discount applies when insuring children aged 1 to 15 years.

Question 11

What is Assistance?

Accepted Answer

Assistance is a service company that helps you abroad 24/7. They will: • Direct you to the nearest clinic; • Organize transportation; • Coordinate treatment; • Pay for medical services within the scope of your policy.

Question 12

Why do I need a policy for traveling abroad?

Accepted Answer

To ensure your trip doesn't turn into unexpected expenses. If you fall ill or get injured abroad, the policy covers medical treatment and assistance. As a baseline, the policy covers the risks of sudden illness and injury. For example, if you need a doctor’s help or medical transportation during your trip, Halyk Insurance will reimburse the expenses within the sum insured.

Question 13

How do I get a reimbursement if I paid for the treatment myself?

Accepted Answer

Obtain from the clinic: • Medical documents (reports, test results); • Invoices and payment receipts. Submit the document package to Halyk Insurance within 30 working days after returning to Kazakhstan.

Question 14

When does the policy become effective?

Accepted Answer

From the moment you cross the border of your destination country (based on the passport stamp), but no earlier than the policy start date. For all plans except "Multi-trip," coverage ends upon departure from the country or at 24:00 on the last day of the policy term.

Question 15

How do I download my policy?

Accepted Answer

In the app: Profile → Policy List → Select Policy → "Download" On the website: Personal Account → Policy List → Open Policy → "Download"

Question 16

What if I cannot reach the Assistance service?

Accepted Answer

Go to the nearest clinic and pay for the services yourself. As soon as possible (but no later than 3 days), report the insured event to the Assistance service or Halyk Insurance: +7 (727) 331 00 00, WhatsApp: +7 777 090 18 50

Question 17

What is the Europrotocol?

Accepted Answer

The Europrotocol is a method of registering an accident without involving the traffic police and going to court, allowing you to receive compensation from the insurance company. Those involved in the accident need to download the mobile application in the App Store

Question 18

Is the policy suitable for a visa?

Accepted Answer

Yes, it is. We recommend checking the specific country's requirements for the minimum sum insured at the consulate or visa center.

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