Insurance terms

• Insured person — you, the person named in the policy.
• Policy — the insurer's document (PDF) with its number, dates, country and plan. It arrives in the app and in Telegram.
• Insured event — a sudden event during the trip (illness, injury, lost baggage, etc.) that causes expenses covered by your plan.
• Limit (sum insured) — the maximum amount paid for a given risk per person per trip.
• Deductible — the part of the costs of each claim that you pay yourself.
• Assistance — the insurer's 24/7 service that arranges care and pays the clinic directly. Its number is in your policy.
• Insurer — the insurance company that issued your policy. Its name and 24/7 assistance number are in the policy.

• Citizens of any country aged 0 to 75 on the trip start date.
• The policy is valid only outside your country of permanent residence.
• If you buy the policy while already travelling, medical cover starts 5 days after purchase (accident cover — immediately).
• One policy covers one person. For a family, buy a policy for each member, including children.

• The country chosen in the policy and transit countries on the way there.
• A policy for any Schengen country is valid throughout the Schengen Area.
• A Schengen visa requires cover of at least €30,000 — the Standard and Full plans qualify. Partial does not qualify for a visa.
• The policy is not valid in your country of permanent residence, in war zones or in countries with an official do-not-travel advisory.

• From 1 to 90 days; the start date cannot be earlier than the day you buy it. Cover starts at 00:00 local time on the date in the policy and ends at 23:59 on the last day.
• You can extend in the app: the new policy starts on the day the current one ends.
• If you return early, the policy stays valid until its end date, but only outside your country of residence.

Limits are the maximum per person per trip. Treatment is paid directly to the clinic through the insurer's 24/7 assistance. Amounts in dollars are paid out in USDT at 1:1.

Exact limits and exclusions are in the insurer's policy (PDF).

The price for any period from 1 to 90 days is shown in the app before you pay. Payment is made from your USDT balance.

Emergency and urgent care for a sudden illness or injury during the trip is covered:

• Calling an ambulance and transport to the clinic.
• Doctor's appointments and specialist consultations when referred.
• Diagnostics: tests, X-ray, ultrasound, CT and MRI as prescribed by a doctor.
• Outpatient treatment, procedures, dressings.
• Hospital stay: standard ward, meals, nursing care, intensive care.
• Emergency surgery and anaesthesia.
• Prescription medicines — within the plan's limit.
• Infectious diseases, including COVID-19 — within the overall limit.

Not covered: planned treatment, treatment after your condition has stabilised and you can return home, treatment after your return, prosthetics, cosmetic procedures, sanatoriums, alternative medicine, vaccinations, upgraded rooms.

• Standard — up to $300, Full — up to $500 per trip.
• Acute toothache, inflammation, dental injury: examination, X-ray, pain relief, temporary filling, extraction.
• Not covered: planned treatment, permanent fillings and crowns, dentures, whitening, cleaning.

• Medical evacuation to the nearest suitable clinic or home — when medically necessary and only as decided by the assistance service.
• Transport with a medical escort if your condition requires it.
• Search and rescue in the mountains and at sea — within the evacuation limit (Full plan).
• Repatriation of remains: Standard — up to $10,000, Full — up to $15,000.

• A relative's visit if you are in hospital for more than 7 days: a round-trip economy ticket + accommodation up to $300 (Standard) or $500 (Full).
• Return of children under 18 if you are hospitalised: tickets for the children and an escort.
• Lost passport: consular fees and travel to the consulate — up to $250 (Standard) or $300 (Full).
• Calls and messages to the assistance service — up to $100–150.

Full plan only:

• Pregnancy complications up to week 24 that threaten the life of the mother or child — up to $10,000. Childbirth and routine check-ups are not covered.
• Relief of an acute flare-up of a chronic illness (for example, a hypertensive crisis or an asthma attack) — up to $5,000. Planned treatment of chronic illnesses is not covered.

The Full plan covers injuries while riding bikes and scooters and during amateur active leisure — within the overall $100,000 limit:

• Bikes, scooters, mopeds, motorcycles — as a rider or a passenger, rented or your own. Conditions: a licence of the right category (for the rider) and a helmet.
• E-scooters, bicycles and quad bikes on leisure rides.
• Skiing and snowboarding on groomed slopes.
• Surfing, kitesurfing, wakeboarding, SUP.
• Diving to 30 m with a certificate.
• Trekking up to 4,000 m, rafting up to grade 3.
• Water rides: banana boat, parasailing, jet ski.

On the Partial and Standard plans, riding bikes and scooters and any active leisure are not covered — not even a banana boat. Not covered on any plan: professional sports and competitions, mountaineering above 4,000 m, off-piste freeriding, motocross, skydiving and BASE jumping, motor racing.

Full plan only, sum insured $10,000:

• Injury — paid according to a schedule depending on severity (1% to 50% of the sum).
• Disability of group I, II or III — 100%, 75% or 50% of the sum.
• Accidental death — 100% of the sum to the heirs.

Full plan only:

• Loss or theft of checked baggage: up to $1,500 per trip and no more than $500 per item, allowing for wear and tear.
• Baggage delayed by more than 4 hours: essentials and toiletries up to $300 with receipts.
• Required: a Property Irregularity Report (PIR) from the airline; for theft — a police report within 24 hours.

Not covered: cash, jewellery, electronics and documents in checked baggage, fragile items, baggage left unattended.

Full plan only:

• A scheduled flight delayed or cancelled by more than 4 hours: food, drinks, hotel and transfer up to $200 with receipts.
• A missed connection caused by the delay of the first flight — within the same limit.

Not covered: charter flights rescheduled with advance notice; strikes announced before you bought the policy.

Full plan only. Non-refundable costs of tickets, hotel and tour are reimbursed — up to $3,000 — if the trip is cancelled or cut short because of:

• a sudden illness or injury requiring hospitalisation — yours or a close relative's;
• the death of a close relative;
• a visa refusal, if the documents were submitted on time and in full;
• serious damage to your home (fire, flood, burglary) within 14 days before the trip;
• a court summons or a road accident on the way to the airport.

The policy must be bought at least 3 days before the trip starts and before the reason for cancellation arises. Not covered: change of plans, work, circumstances known in advance, a visa refusal due to errors in documents.

Full plan only, up to $50,000 (of which property damage — up to $10,000):

• You accidentally injure another person — for example, knock them down on a snowboard.
• You accidentally damage someone else's property — for example, break a shop window.
• Legal help abroad: a lawyer and an interpreter in court — up to $3,000.

Not covered: harm to your relatives and travel companions, harm while driving a car, intentional harm, harm while intoxicated, damage to rented accommodation and vehicles.

• Partial — $50 per claim: you pay the first $50 yourself.
• Standard and Full — no deductible.

No plan pays for expenses arising from:

• illnesses and injuries that arose before the policy started;
• alcohol, drug or toxic intoxication;
• intentional self-harm or attempted suicide;
• taking part in fights (except self-defence) or committing a crime;
• driving without a licence or under the influence;
• war, military action, civil unrest, radiation;
• travelling to receive treatment or against medical advice;
• mental disorders, neuroses, depression;
• HIV and sexually transmitted diseases;
• ignoring the assistance service's instructions or going to a clinic without approval (except when life is at risk).

• 1. Open Nexus Pay → Insurance → SOS and call the insurer's 24/7 assistance before going to a clinic. If life is at risk, call an ambulance first, then inform the assistance service.
• 2. Give your policy number and describe the situation. The assistance service will refer you to a clinic and pay for treatment directly.
• 3. If you had to pay yourself, keep all receipts, invoices and medical reports.
• 4. For theft — a police report within 24 hours; for lost baggage — a PIR at the airport.
• 5. Submit a claim in the app with photos of the documents.

The emergency number is 112 in most countries; 911 — USA and Canada; 999 — UK and UAE; 000 — Australia; 1669 — Thailand. The assistance number is in your policy and on the SOS screen in the app.

• Treatment and medicines: the clinic's invoice with the diagnosis, prescriptions, payment receipts.
• Evacuation and repatriation: arranged by the assistance service, no documents needed.
• Accident: a medical report, a disability certificate or a death certificate.
• Baggage: the PIR, baggage tag, boarding pass, receipts for items bought.
• Flight delay: the airline's delay confirmation, boarding pass, receipts.
• Trip cancellation: a document confirming the reason (hospital discharge summary, visa refusal, summons) and proof of non-refundable costs.
• Liability: the injured party's claim, a police report, documents on the amount of damage.

• Report the event before going to a clinic, and no later than 48 hours after it.
• Submit a claim within 30 days after the end of the trip.
• Review starts once all documents are received; you will get a Telegram notification about the decision.
• Approved claims are paid in USDT to your Nexus Pay wallet balance.

• Until the policy is issued, you can cancel in the app and get a 100% refund to your wallet balance.
• If the insurer does not issue the policy, you get a full refund to your balance.
• If the policy is issued but has not started yet, contact support and an operator will refund it to your balance.
• Once the policy has started it cannot be cancelled, and unused days are not refunded.

• 1. Open Nexus Pay in Telegram and choose "Insurance".
• 2. Enter the destination country, the start date and the period — from 1 to 90 days.
• 3. Choose a plan: Partial, Standard or Full.
• 4. Enter the traveller's details as in the passport: name, date of birth and passport number.
• 5. Pay from your USDT balance. The policy will arrive in the app and in Telegram once it is issued.

• Questions and complaints go to the support chat in the app or on the website.
• The insurer, its licence and the governing law are stated in your policy (PDF).
• Nexus Pay is not an insurance company: the policy is issued by the insurer named in it.