Glovo Kazakhstan

Your insurance in a nutshell

Insurance company will pay *

The below applies if you had an accident while using Glovo

Your medical expenses, including dental treatment
A compensation for some fracture, dislocations & sprains*
A daily indemnity up to 30 days in case you can't work following an accident
An indemnity in case of death, permanent or partial disability
An indemnity for funeral expenses, including funeral cost
An indemnity for your family in case of death

Insurance company won't pay *

The medical expenses that occured more than 30 days after the accident
Not all type of fracture, dislocations & sprains are covered
If you can't work following an accident, the first 7 days of your temporary incapacity
If you were under influence (e.g. alcohol or drug)
If you caused the accident intentionally
The damages you have caused to third parties
Your material damages (e.g. phone or bike broken)

* See the full list of exclusions and coverages in the general conditions of the insurance

Your income is protected in the event of an accident

If after an accident you suffer a disability that prevents you from performing your activity, the insurance will cover the amount of the benefit indicated in the policy. You will receive compensation from the eighth day of temporary total disability.

Accident Medical Expenses

If you suffer a slip, fall off your bike or have a car accident and suffer a broken arm or leg while using the Glovo application, the insurance company will cover a percentage of the benefit amount indicated in the policy.

Benefit: up to ₸ 748,980

Hospitalization expenses

Cost of doctor's visits

Pharmaceutical expenses

Cost of X-rays

Surgical procedures and medical examinations

Emergency dental treatment

costs related to a fracture

dislocation or sprains

The purchase/rental of necessary medical equipment (e.g. crutches, special fracture boots, etc.)

Fractures, dislocations and sprains

The insurance will cover up to the maximum benefit amount indicated in the policy for the following medical expenses if they occurred within 30 days from the date of the accident.

Benefit: up to ₸ 998,643.78

Not all fractures are covered by the insurance, please refer to the Terms and Conditions for further details.

Protects your income

Your accident insurance provides you with income support in case you are unable to perform your activity after an accident while you are connected using Glovo. Accommodation expenses, fees, analysis, medicines... your hospital bill can quickly reach exorbitant amounts in case of an accident. Thanks to the extensive coverage of this insurance, you no longer have to worry about it.

Benefit: ₸ 4,993.2 per day, payable for a maximum of 30 days

Costs related to a fracture

The insurance company will not pay:

Medical expenses occurring more than 30 days after the accident

Not all types of fractures, dislocations and sprains are covered

If you are unable to work after an accident, the first 7 days of temporary disability

If you were under the influence of substances (e.g., alcohol or drugs)

If you intentionally caused the accident

Property damage (e.g. broken telephone or bicycle)

See the complete list of exclusions and coverages in the general conditions of the insurance.

In case of disease

If you suffer from a disability as a result of the disease that will prevent you from using the courier application, the insurance company will pay the amount of benefits specified in the policy table. You will receive compensation from the eighth day of total incapacity to work.

Benefit: maximum ₸ 4,993.2 per day, payable for a maximum of 30 days.

The condition of covering insurance is to carry out at least 30 supplies through the application in the last 8 weeks before the disease occurrence

If you're using Glovo for over 60 days, ₸ 4,993.2 a day or 75% of your average salary (depending on which value is lower) to 30 days

If you used Glovo for less than 60 days, ₸ 2,496.6 30 per day up to 30 days

Financial protection for your family

This insurance provides financial protection for your loved ones in the event of death after an accident. This insurance also protects you in case of total or partial disability due to an accident.

Accidental Death

The sum insured helps to financially protect the future of your loved ones and to maintain your family's standard of living.

In case of death in an accident

Benefit: ₸ 7,489,800

Coverage up to one year later

Benefit: ₸ 7,489,800

Orphan's pension

Benefit: ₸ 3 ,744 ,900

Funeral expenses

Benefit: ₸ 1,497,960

Repatriation. Accompanying family members

Repatriation to country of origin in case of death or total disability. The insurance also covers the cost of accommodation of an accompanying person in hospital (in the event of hospitalization for at least 7 days) and/or in the event of repatriation.

Repatriation benefit: ₸ 124,830 per day (max. 5 days)

Hospital family visit allowance: ₸ 74,898 per day (max. 10 days)

Repatriation

Accompanying family members

Legal assistance

Legal expenses for your defense and possible claims are covered by the insurance.

Benefit: ₸ 2,496,600

Legal Assistance

Extra Benefits

What if you become a parent ?

Giving birth to or adopting a child is usually one of life's best moments. But financially speaking, it is not always easy. Unfortunately, difficult events of varying degrees of drama can occur and we believe that it is also our role to be present in these serious moments, among other things by providing financial support.

Benefits: up to ₸ 139,809. 9 per child or in case of multiple birth

Birth/multiple birth

Adoption

Still birth

Non-medical related expenses for child care

Childminding

Postpartum depression

In which situations do we not pay if you become a parent:

If you haven't used Glovo and haven't performed a minimum monthly average of 30h over the last 6 months before claiming

If 2 riders are having a child together, total benefit is paid once

Maximum 1 claim in a 12-month period

Claims occurring during first 6 months of being a rider are not covered

Death or in permanent incapacity following an accident while using Glovo App

Any urgent expenses (burial advance, funeral taxes etc.)

Urgent expenses

Some situations require immediate action on your part, and this can quickly turn out to be expensive. Under certain conditions, we will help you cover a part or all of the expenses incurred in emergencies.

The benefit will NOT be deducted from the “standard” accident coverage, it is an extra benefits.

Benefits: up to ₸ 69,904.8

In which situations do we not pay in case of urgent expenses:

If you haven't used Glovo for at lest 10h during the last 6 months

We will need at least one document moving the event (e.g. death certificate)

Total or partial permanent disability

If due to an accident you become permanently disabled, the insurance will cover the amount of the benefit indicated in the policy.

Permanent total disability

Benefit: ₸ 7,489,800

Permanent partial disability

Benefit: up to ₸ 7,489,800

Permanent partial disability

Total loss of hand or palm

100%

Total handicapping of the arm movement

30%

Total traffic impairment in the elbow or wrist

20%

Total loss of thumb or pointing finger

30%

Loss of three fingers other than thumb or index finger

30%

Loss of thumb and one finger, except for the pointing finger

30%

Loss of three fingers, including thumb or pointing finger

30%

Loss of the pointing finger and another finger, except thumb

30%

Loss of thumb

30%

Loss of the pointing finger

30%

Loss of middle finger, cordial or small

30%

Loss of two out of recent fingers

30%

Loss legs above the knee

100%

Loss of legs below the knee or loss of the foot

50%

Partial feet amputation, including all fingers

50%

Total deafness in one ear

50%

Removal of the lower jaw

30%

Unwrapped leg or foot fracture

25%

Non-consolidated violinist break

20%

Total traffic impairment in the hip or knee

20%

Shortening the lower limb by at least 5 cm

15%

Loss of a big finger

10%

Total loss of one eye or limiting the binocular vision or half

80%

Have you been involved in an accident?

We are here to help you

Your insurance in a nutshell

Insurance company will pay *

Insurance company won't pay *

Your income is protected in the event of an accident

Accident Medical Expenses

Fractures, dislocations and sprains

Protects your income

The insurance company will not pay:

In case of disease

Financial protection for your family

Accidental Death

Repatriation. Accompanying family members

Legal assistance

Extra Benefits

What if you become a parent ?

In which situations do we not pay if you become a parent:

Urgent expenses

In which situations do we not pay in case of urgent expenses:

Total or partial permanent disability

Permanent partial disability

Do you have any questions?

About Qover

SP Malakut Insurance Broker | Group of Companies

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