Welcome to polis.ge.
The polis.ge website is operated by CAP Group LLC (TIN: 400465304) and provides informational, intermediary, and service-related solutions associated with insurance products and partner offers within Georgia.
By using the polis.ge website, you confirm your agreement with these Terms and Conditions.
1. General Information
polis.ge is not an insurance company.
The platform provides users with the opportunity to:
- review insurance offers;
- submit an insurance application;
- purchase insurance policies from partner insurance companies;
- access additional partner offers and services.
All insurance policies are issued directly by partner insurance companies.
The scope of insurance coverage, limits, exclusions, claim conditions, and other provisions are determined solely by the terms of the insurance policy and the rules of the respective insurance company.
2. Insurance Products
polis.ge acts as an informational and intermediary platform between the user and insurance companies.
All obligations related to:
- claim assessment;
- claim payment decisions;
- insurance conditions;
- coverage scope
are borne by the insurance company that issued the insurance policy.
Before purchasing a policy, the user must independently review:
- insurance terms;
- coverage limits;
- exclusions;
- policy validity period;
- insurance company rules.
Information posted on the website is for informational purposes only and may be presented in a simplified form for user convenience.
In case of discrepancies, the insurance policy terms and official rules of the insurance company shall prevail.
3. Travel Insurance
Travel insurance products presented on the platform are primarily intended for emergency and urgent situations.
Coverage may include:
- emergency medical assistance;
- hospitalization;
- emergency outpatient treatment;
- emergency dental care;
- medical transportation and repatriation.
Planned treatment and services not предусмотрed by the policy are not covered unless explicitly stated otherwise in the insurance terms.
The scope of coverage depends on the selected insurance product and the conditions of the insurance company.
4. Additional Services and Partner Offers
Some plans and services may provide access to additional partner offers, including but not limited to:
- hotel offers;
- transfers;
- excursions and entertainment;
- travel and related services.
These services are provided by independent partners.
polis.ge does not guarantee:
- availability of specific offers;
- fixed discount amounts;
- continuous availability of partner services.
Discount amounts, conditions, and offer availability may depend on:
- the partner;
- season;
- dates;
- city;
- service availability.
polis.ge is not responsible for services provided by third parties.
5. Payments and Refunds
By purchasing an insurance policy, the user confirms the accuracy of the provided information.
A policy is considered issued after successful payment and confirmation by the insurance company.
Refund conditions are governed by:
- the insurance company rules;
- policy status;
- insurance start date.
Some policies may become non-refundable after issuance or activation.
6. Limitation of Liability
polis.ge and CAP Group LLC are not responsible for:
- insurance company decisions;
- claim payment refusals;
- insurance coverage limitations;
- quality of partner services;
- delays caused by third parties;
- technical failures beyond the platform’s control.
The user understands and agrees that insurance services are provided by independent insurance companies under their own rules and conditions.
7. User Obligations
The user agrees to:
- provide accurate information;
- not use the platform for unlawful purposes;
- not provide false information;
- comply with applicable laws.
polis.ge reserves the right to restrict access to the platform or refuse service in case of suspicious activity or abuse of the service.
8. Intellectual Property
All materials, design elements, logos, texts, and content published on polis.ge are intellectual property objects and may not be used without prior written permission.
9. Privacy
By using the platform, the user agrees to the processing of personal data necessary for:
- issuing an insurance policy;
- communication with the user;
- providing support;
- interaction with partner insurance companies.
Additional information may be provided in the Privacy Policy.
Learn more Privacy Policy.
10. Changes to the Terms
polis.ge reserves the right to modify these Terms and Conditions without prior notice.
Continued use of the platform after changes are made constitutes the user's acceptance of the updated version of the terms.