FAQ

The insured person should apply to the insurance company and provide the following information:

Insurance Certificate Number;

1. Name and Surname;
2. Content of the appeal (complaints);
3. Contact number;
4. Address.

If hospitalization is required by an emergency doctor's appointment:

1. The diagnosis is confirmed;
2. A medical institution will be appointed in accordance with the terms of the diagnosis and contract.

An ambulance doctor does not form a sick leaflet.

An ambulance doctor can prescribe medication only for urgent treatment (such as painkillers, fever drops, etc.), Medicare prescriptions for scheduled and long-term treatment prescribed by an ambulance doctor are not included in insurance coverage.

The insured person should apply to the insurance company and provide the following information:

1. Insurance Certificate Number;
2. Name and Surname;
3. Content of the appeal (complaints);
4. Contact number;
5. Address.

The medical coordinator of the IC transmits the information to the medical institution and informs the insured about the action taken.

Scheduled calls of doctors to homes or offices are made after their outpatient clinic visits at medical facilities.

The doctor's home care is recorded as an insurance accident, and treatment is resumed by the same doctor.

First of all, you should get familiar with the terms of the guarantee and then contact the Department of Medical Service of the IC via contact numbers: (012) 940, (012) 497 17 37, (012) 497 17 67.

To use insurance services, it is enough to call the hotline and note the name, surname and the number of the presented insurance card.

Call (012) 940

Compensation is made within 7 working days

In the case of an accident, only the insured will be paid compensation.

An insurance claim can be made within 3 working days.

Insurance fees vary depending on travel time and purpose, insurance package, coverage and age of the insured. Before you travel, you must provide all the information to your insurance agent and the insurance fee will vary accordingly.

Information regarding medical expenses should be reported to the Service Center by the number specified in the Insurance Certificate (Police). In other insurance cases, you may apply directly to the Insurance Company hotline

If you pay medical expenses yourself, you can apply to the Insurance Company within 30 calendar days of the date of your departure with the application and relevant documentation. It is also possible to clarify the list of documents by calling the hotline of the Insurance Company before applying. If it is not possible to report to the Service Center (if this is confirmed properly), you should do so at the first opportunity. Remember that the Insurance Company has the right not to pay expenses not agreed with the Service Center.

Depending on the insurance package you have selected with your insurance certificate, the followings:

1. Medical expenses for accidents and sudden illnesses * * Limit on therapeutic and surgical treatment of cardiovascular diseases -5000
2. Medical transportation costs during accidents and sudden illnesses
3. Repatriation costs during accidents and sudden illnesses
4. Death of the insured as a result of an accident
5. Determining first-hand disability to be insured as a result of an accident
6. Baggage insurance when traveling abroad
7. Canceling or changing the date of travel
8. Delay of air travel flight (* Unlimited waiting time - 1 day; Daily limit - 120)
9. Loss of passports and travel documents

Travel insurance is valid during the insurance period specified in the contract. 

There is no age limit for getting travel insurance.

The maximum amount of the CCLIOMV insurance is AZN 5,000 if third party car or property is damaged and to the victims. In case of damage to individuals, the total maximum coverage is 50,000 AZN.

By calling 940, sending your state registration number to 9707 or looking at https://isb.az/ website.

If a car or property of several third parties is damaged as a result of an accident, and the total amount of liability calculated separately for each victim exceeds 5,000 manats, insurance compensation paid to each victim is made in proportion to the total damage amount (5000 AZN).

Payment of damage to property and health of third parties.

The insurance amount for CASCO is determined in the insurance certificate based on the market value of the vehicle.

In the case of an accident, the Insured should immediately inform the Insurer via 7/24 contact phone: (012) 940, depending on the nature of the accident should inform the relevant State Authority.

We should not remove the insured vehicle from the scene and leave the scene without the approval of our employee and the authorized state body.

Violation of insurance rules and insurance contracts, and full or partial repair of damaged vehicles.

The contract is terminated when the insured object is sold or no longer available. By applying to the insurance company in writing, the funds to be returned upon termination can be redirected to a new insurance policy.   

In each case, depending on the brand and model of the newly purchased car, the new insurance rate is calculated according to the ratio of the car's current insurance value. 

 Submission of the last required document related to the insurance claim is due within 1 week.

Damage to cargo is determined based on expert opinion.

Regardless of the type of vehicle, all types of transported goods are subject to insurance.