The insurance products are intended for both individuals and legal entities who own debit and credit instruments.

The insurance applies to a specific payment instrument. If the client holds multiple instruments, even under the same account, they may insure one or several payment instruments separately.

The policy is valid for one year and is terminated upon the occurrence of the first insured event. A new policy must then be issued.

If the card has less than one year remaining until expiration, the one-year policy will be valid only for the duration of the card's validity.

There are three types of insurance packages available for purchase by any holder of a payment instrument:

• Standard
• Extra
• Premium

Transactions Not Covered by the Policy:

1. Transactions performed using a PIN (ATM, POS, mPOS, etc.).
2. Transactions for which the client cannot provide adequate evidence of non-execution.
3. Transactions that have not been reported to investigative authorities.
4. Transactions exceeding the policy limit.
5. Policy coverage ends upon the first reimbursement; a new policy must be issued if further coverage is desired.
6. Transactions conducted after the expiration of the policy.