Insurance

FlyArystan and its partner Nomad Insurance offer an option of voluntary travel insurance for the passengers as one of the additional services available.

For your comfort you can choose a Basic or Advanced insurance package.

The insured interest includes the property interests of the Insurant (the Insured) that are consistent with the laws of the Republic of Kazakhstan and are associated with additional or unforeseen expenses and losses borne by the Insurant/Insured as a result of:

• complete loss (missing) of or damage to the baggage during the travel period when the responsibility for the safety of the baggage during its transportation was within responsibilities of the carrier;
• travel accident insurance;
• the inability to travel within the territory of the Republic of Kazakhstan due to external reasons not associated with the Insurant/Insured’s will expression;
• flight delays;
• reissuance of lost documents, in particular the identity card or passport, in the Insurance Territory.

The Insurant: A person that has drawn up an Insurance Policy with the Insurer. The Insurant can be the Insured at the same time.

The Insured: A person for which the insurance is made.

Description of insured events:

Section 1: Baggage loss insurance

An actual, sudden, unforeseen, and unintentional event as a result of which a complete loss of or damage to the Insured’s baggage happens where such loss is confirmed by corresponding documents.

The baggage insurance terms are applicable to all baggage of the Insured except for the following property:

• money, jewelry, and securities;
• ingots of precious metals, loose precious and semi-precious stones;
• antique and unique items, artworks and collectibles (collections of any homogeneous objects (stamps, calendars, badges, plants, etc.) of either scientific, historical, or artistic interest, or collected for amateur purposes);
• travel documents, passports, and any documents, slides, photographs, and film copies;
• manuscripts, plans, diagrams, drawings, models, and business documents;
• any types of prosthetic appliances;
• contact lenses;
• wrist and pocket watches;
• animals, plants, and seeds;
• devotional articles.

Insured amount: 100,000 (one hundred thousand) KZT.

Section 2: Insurance during the flight

1. 1. death of the Insured as a result of an accident during the Insurance term;
2. 2. injury of the Insured as a result of an accident during the Insurance term.

An accident means a sudden and short-time event that occurs during the insurance term against the person’s will and as a result of an external mechanical, electrical, chemical, or thermal impact on the body of the Insured which results in harm to the health or fatality.

Insured amount: 500,000 (five hundred thousand) KZT for domestic flights within Kazakhstan and up to 1,000,000 (one million) tenge for international flights.

Section 3: Insurance against forced refusal to travel

An event which results in expenses associated with cancellation by the Insurant/Insured of their trip away from the place of their permanent residence. Such events include the following events occurring after the validity date of the Insurance Policy and confirmed by the documents issued by competent authorities:

• death or hospitalization of the Insured;
• high or medium severity injury to the Insured as a result of an accident, but only if there are medical contraindications to making the planned trip;
• court proceedings within the insurance coverage term where the Insured participates according to the court ruling made after the validity date of the Insurance Policy;
• military conscription of the Insured after the validity date of the Insurance Policy;
• failure to obtain a visa by the Insured (visa denied) provided that all necessary documents were timely submitted according to the requirements of the destination country consulate;
• delay in obtaining a visa or obtaining a visa within the terms different from those requested by the Insured provided that all necessary documents were timely submitted according to the requirements of the destination country consulate.

Insured amount: 200,000 (two hundred thousand) KZT.

Section 4: Contingency expenses insurance for flight delays

Insured events are the following events that result in a flight delay for longer than two hours:

• adverse weather conditions: fog, rain, snowfall, storm, glaze frost that prevent performance of the flight;
• requirements of authorities (immigration office, anti-terrorism agency, customs service, border control service, etc.);
• mechanical or technical damage to aircraft or any other circumstances occurring at the airline’s fault and preventing performance of the flight.

The limit for this risk corresponds to the documented expenses actually incurred during the delay period and within the established insurance amount, for each full hour of delay in the commencement of transportation after the first 2 hours of delay, where an incomplete hour is rounded down (1–29 minutes) or up (30–59 minutes) to a full hour.

The compensation limits for this risk are 2,500 KZT per hour but not more than the insured amount according to the Insurance rules.

Only the following expenses of the Insured are subject to compensation:

• expenses for phone calls to immediate family members;
• expenses for sending e-mails to the immediate family members;
• expenses for non-alcoholic drinks;
• meal expenses;
• expenses for accommodation in a hotel if a flight is delayed for more than six hours;
• expenses for using additional services: access to the Internet, paid information desk services;
• expenses for baggage storage;
• transport expenses for a trip of the Insured from the airport to the place of permanent/temporary residence (and back to the airport) within the established limit, but not exceeding 8,000 tenge.

Insured amount: 150,000 (one hundred and fifty thousand) tenge.

Section 5: Loss of passport/ID insurance

An insured event is an actual, unforeseen, and unintentional event resulting in a loss of the passport and/or identity card of the Insured.

Insured amount: 20,000 (twenty thousand) kzt.

Insurance Policy validity term:

The Insurance Policy is valid from the date specified in the Policy without known or claimed losses provided that the Insurant has paid the premium.

Coverage:

Section 1: Movable property (baggage insurance): Risk coverage starts from the moment of acceptance of the Insured’s baggage by the carrier and continues until the moment of baggage dispensing to the Insured.

Section 2: Travel accident insurance: risk coverage starts three hours before the departure time specified in the ticket and continues during the entire trip, including all connections (not exceeding 6 hours) and until expiration of the period of three hours after arrival of the Insured to the destination, but not later than 24 (twenty-four) hours from the moment of the coverage commencement.

Section 3: Financial losses due to cancellation: the coverage includes losses (as established in the Rules) due to the trip cancellation from the Policy validity date and until the moment the transportation begins. The coverage is applicable only to the flight ticket purchased under the corresponding booking number assigned during the purchase of the ticket.

Section 4: Financial losses due to the flight delay: the coverage includes the time from the moment of departure specified in the ticket and until the moment of actual departure of the Insured. The coverage is applicable to all flights in the ticket under the corresponding booking reference number.

Section 5: Financial losses associated with re-issuing of lost documents: the coverage includes the losses (as established in the Rules) from the moment of arrival to the host country and until departure to the country of permanent residence.

Insurance territory: Republic of Kazakhstan.

Refund and rebooking rules

Refund

You can refund insurance only in case if the ticket* is also refunded. It can be refunded no later than 6 hours before the departure at one of the Nomad Insurance sales offices.

* Ticket is refunded according to the fare rules. The cost of other additional services is non-refundable.

Please see the list of Nomad Insurance branches here.

Rebooking

Insurance cannot be re-booked to another date. If you are re-booking your ticket to a new date you will need to purchase insurance again. The previous insurance contract can be terminated only at Nomad Insurance offices.

For more detailed information please contact the Nomad Insurance call center 2233 (the call is free).

Detailed Rules of Integrated Passenger Insurance