1. How is the term “war” interpreted, and does it include hybrid warfare?
The declaration and termination of a state of war are governed by national legislation and formally announced by the competent state authorities. However, armed conflicts and military operations may also occur without a formal declaration of war, regardless of the terminology used to describe them.
For insurance purposes, the assessment does not depend solely on whether a particular event is described as "war", "hybrid warfare", or any other term. Each situation is assessed individually, taking into account the actual circumstances of the event, its impact on the insured person's life or health, the insurance coverages selected under the policy, the applicable insurance terms and conditions, and relevant official information available at the time.
2. Is an attack by an intruding drone considered an act of war? If an accident occurs at that time, would it be an insured event?
A drone-related incident is not automatically considered an act of war. Similarly, an air-threat warning or other preventive civil protection measure does not, by itself, mean that an act of war has occurred for insurance purposes.
Therefore, a death, accident, critical illness, or other insured risk occurring during a drone-related incident is not automatically excluded from coverage.
If the event relates to military operations, armed conflict, terrorism, or another risk excluded under the insurance contract, each claim is assessed individually based on the cause and circumstances of the event, relevant official information, and the applicable insurance terms and conditions.
3. My primary occupation is not professional military service. Will the Life Insurance and additional insurance coverages selected under my life insurance policy remain valid for members of national volunteer defense organizations and persons performing voluntary or compulsory military service? Do I need to inform ERGO?
During peacetime, persons participating in voluntary part-time military service, national volunteer defense organizations, officer training programs, or compulsory military service are generally subject to the standard professional activity risk assessment, provided that such activities are temporary in nature and do not constitute their main occupation.
This approach does not apply in the same way to professional soldiers or people whose main occupation or studies are related to professional military service or a military academy.
The policyholder or insured person must inform ERGO of any change that may affect the insurance risk, where required under the insurance contract, e.g. starting voluntary or compulsory military service or joining a national volunteer defense organization such as the Riflemen’s Union, Latvijas Republikas Zemessardze, or Kaitseliit.
Currently, participation in the activities described above is covered under the standard risk assessment and does not result in an additional premium. ERGO reserves the right to review the risk assessment and applicable insurance conditions if relevant circumstances change.
4. Am I covered if I travel to a country where an armed conflict is taking place?
Travelling to a country where an armed conflict is taking place does not automatically terminate the insurance contract or insurance coverage.
However, whether a specific event is covered depends on its cause and circumstances and the applicable insurance terms and conditions, including any exclusions or limitations relating to war, armed conflict, military operations, terrorism, civil unrest, nuclear or radioactive contamination, or other excluded risks.
Customers should follow official travel advice and warnings issued by the relevant Ministry of Foreign Affairs. Where relevant under the applicable insurance terms and conditions, such warnings may be considered as one of the factors when assessing a claim, but do not automatically determine whether an event is covered or excluded.
5. What happens to my insurance coverage if a state of war, state of emergency, or another extraordinary regime is officially declared? Does my coverage automatically cease?
No. The declaration of a state of war, martial law, mobilization, state of emergency, or another extraordinary regime does not, by itself, automatically terminate the insurance contract or insurance coverage. An event is also not automatically considered non-insurable simply because it occurs during such a period.
However, events related to war, military operations, hostilities, terrorism, civil unrest, nuclear or radioactive contamination, or other excluded risks may be subject to exclusions or limitations under the applicable insurance terms and conditions.
Each claim is assessed individually, considering the cause and specific circumstances of the event, relevant official information, and the applicable insurance terms and conditions.
6. Can I withdraw my accumulated funds or receive an insurance benefit in the event of war?
A state of war does not, by itself, remove the customer’s contractual rights to accumulated funds or an insurance benefit.
ERGO will fulfil its contractual obligations in accordance with the applicable insurance contract and legal requirements, subject to the operational capabilities of the financial and payment systems.
If restrictions affecting the banking system, international payments, sanctions, or other mandatory requirements are introduced due to war, a state of emergency, or other extraordinary circumstances, the timing or execution of payments may be affected.
7. Can I submit a request to terminate my policy, withdraw part of the accumulated capital, or receive a benefit while staying abroad?
Yes. Such requests may be submitted while staying abroad, subject to the applicable insurance contract, identification requirements, and the availability of accepted remote identification and electronic or mobile signature solutions.
Funds may be transferred to the bank account specified by the customer, subject to the legal, verification, sanctions, and payment requirements applicable at the time.
For non-EU bank accounts, additional verification, supporting information, or documentation may be required in accordance with Lithuanian/Latvian/Estonian and EU legal requirements.
8. Can I designate a bank account held with a foreign bank?
Yes. An insurance benefit or other amount payable under the contract may be transferred to a foreign bank account specified by the customer, provided that the payment is legally permitted and can be processed through the available payment infrastructure.
Additional information or verification may be required depending on the country, financial institution, account holder, sanctions requirements, or other relevant circumstances.
Important: ERGO will fulfil its contractual payment obligations in accordance with the applicable insurance contract and legal requirements. Banking restrictions, sanctions, decisions of competent authorities, or other circumstances outside ERGO’s control may affect the timing or execution of payments.
9. Is ERGO prepared to operate during extraordinary situations?
Yes. ERGO has established business continuity arrangements designed to support the continued provision of critical services and the fulfilment of its contractual obligations during extraordinary situations.
However, service availability and payment processing may be affected by circumstances outside ERGO’s control, including decisions of public authorities and disruptions or restrictions affecting financial or payment systems.
ERGO will continue to provide its services and fulfil its contractual obligations in accordance with applicable legal requirements, insurance contracts, and the operational capabilities available at the relevant time.
