Renaissance credit insurance. Renaissance insurance Rules for life insurance of loan borrowers Renaissance insurance policy terms

You can return the insurance after the loan is repaid, when the insurance contract is also terminated, only in judicial order and only if the client proves that the service was imposed. Arbitrage practice By this issue different. However, according to the latest agreements, it is more often not in favor of the client, since the bank basically formally complies with all the requirements of the law. How to return the insurance included in the loan: features If the insurance is paid for by the loan, then in case of cancellation of the insurance contract, all funds for it are transferred to reduce the amount of debt. It will not be possible to receive a refund in cash or to another account if the obligations are not closed in the bank. At early repayment bank loan – insurance premium returned in accordance with the terms of the policy without any special features.

Insurance rules

Attention

Content

• 1 Insurance - "baggage" of a loan from Renaissance Bank
• 2 Is it possible for a client to cancel insurance?
• 3 Procedure for returning unnecessary insurance
• 4 Making an application
• 5 When the bank can refuse to return the insurance
• 6 Subtleties, nuances

A loan for any bank is a risk. After all, you need to give a certain amount to a stranger (of course, the risk is lower when a regular client contacts).

That's why financial institutions trying to protect themselves by including in the contract additional terms. Insurance is considered the most effective means. Without it, the bank may refuse to issue a loan at all.

How to return insurance on a loan Renaissance loan - procedure

Important

In case of refusal of insurance after receiving the money, it is necessary to provide along with the application:

• a certified copy of the passport;
• original insurance contract.

When terminating the contract due to early repayment, an additional certificate of no debt to the bank is required. Important! The application must include a list of documents that will be attached to it.

When providing directly to the insurance company or through an agent bank, you need to obtain an employee visa on a copy or a second copy of the application for acceptance, and when sent by mail, make an inventory of the attachment. After termination of the contract, the insurance company has up to 60 days to transfer the calculated refund amount.

Return of life insurance on a loan to Renaissance Credit: 3 possible options

Return of insurance in case of early repayment of the loan If the borrower decided to pay off credit institution ahead of schedule, then after paying off the debt, he has the right to return part of the insurance premium for the unused period of insurance. The client will be calculated the redemption amount for the remaining period, minus the costs of the insurer for doing business.

At the same time, the policy conditions determine that administrative costs can reach up to 99% of the amount paid by the borrower. By contracts collective insurance In case of early termination of the loan, the return of the insurance premium is not provided.

How to return the insurance issued in Renaissance Life To return the amount paid in, you must notify the insurer in writing of your intention to withdraw from the contract. The application can be submitted to the organization in person (if the borrower has a representative office), through a partner bank, or by sending it by registered mail.

Rules for life and health insurance of loan borrowers

What to do? Apply directly to the court. Submit an application for a claim Judicial authority fill out other required forms. The list of documents, requirements for them can be clarified by phone.

Info

Important: a person is not always a bank client. Sometimes whole organizations apply for a loan. Then these LLCs or LLPs organize a lawsuit with Renaissance Life and return the insurance on the loan.

Subtleties, nuances Is it possible to revive the canceled insurance contract? If initially a person refused, considering the services of the insurance company as unnecessary, but then decided to insure life (separately). Yes, you just need to contact the specialists from the UK. The company has its own official website, which describes the conditions and cost of services, in addition, there is a feedback tab.
There, the visitor can leave a review, asking questions of interest to him.

"Renaissance Life": return of insurance on a loan

Upon receipt consumer credit the bank may offer to issue an insurance program in case of loss of work or loss of health (disability assignment) and / or death. If, after signing the contract, the client changes his mind, he can terminate the policy.

Before submitting an application for cancellation of the contract, it is important to understand the conditions under which the refund of the amount paid will be made. Insurance in Renaissance Life Renaissance Life - major Insurance Company offering a comprehensive borrower for a cash loan or for the purchase of goods and/or services.

An insurance policy can be issued in case of:

• the client's death or disability;
• job loss;
• diagnosing a fatal disease.

Most policies are issued through an agent of the insurance company - Renaissance Credit Bank.
What to do if there are problems with the return? If, upon obtaining a loan, insurance was “sucked in”, and before the expiration of 5 days the client decided to return the money, the insurance company is obliged to fulfill his request. To avoid problems, you must make a copy of the application in advance, which will indicate the date of application and acceptance.

Subsequently, it may be useful for compiling a claim letter or statement of claim. There are three organizations that you can contact to solve the problem:

• Bank headquarters ( free phone hotline 8-800-200-0-981) or the insurance company where the claim is being sent.
• District court.
• territorial branch of the Central Bank.

If there are no reasons for refusal in payments, the complaint will be satisfied, and the borrower will be able to receive money to the bank account specified in the application.

Renaissance insurance rules life insurance loan borrowers

An exception is the situation when the client manages to apply within the "cooling off period" specified by law - a period within 5 working days after the execution of the contract. In such a situation, the payment will be made:

• in full, if the contract has not entered into force;
• minus the expenses of the insurer for the days that the contract was “valid” if it was active on the date of application.

There will be no refund of the insurance premium when applying for collective insurance.

This type of agreement means that the contract is drawn up between the bank and the insurance company, and the client only agrees and joins the existing conditions. Important! The “cooling off period” defined by law does not apply to agreements providing for collective protection. If an insured event occurred before the termination of the policy, then not a refund of the amount will be made, but the payment of the due compensation.
How to return insurance on Renaissance credit? Perhaps it? If yes, what documents are required and where to apply? Insurance - the "luggage" of a loan from the Renaissance Bank "Renaissance Credit" began to cooperate with "Renaissance Life", it is this insurance company that deals with insurance contracts. Life insurance - the client who takes out a loan signs an insurance contract.

If one of the insured events indicated there occurs, the insurance company covers all the bank's actual expenses related to the loan. For the bank, such a deal is extremely beneficial. However, all costs associated with the insurance itself are borne directly by the client. Man receives loan agreement plus debt insurance. Types of credit transactions subject to insurance:

• car loan;
• mortgage;
• cash loan (large amounts).

Often, insurance is imposed even on clients who take out small consumer loans.
I▒oФR’·d^h▓vd╧oаЦ╨.│k∙]b▌9▓END9zh└`≥K╔p≈|48s&TmZESCH╥i┌E╧.╜Us▌/ЖWё0ёsО!vwE/Ф╬fЛ endstream endobj 54 0 ob j<Is it possible for a client to cancel insurance? Yes, and the client's freedom is protected by law. Until 2016, banks could impose insurance contracts on people, but then special acts were adopted in the legislation, according to which the client has the right to choose.

However, in practice, the refusal of a client who does not want to make insurance is perceived by the bank as a statement of insolvency of a person. Getting a loan is almost impossible. Why don't people want life insurance? In the West, this procedure is extremely popular.

Many enter into special agreements, trying to protect themselves and loved ones from various misfortunes. There, insurance often provides medical care, without which a person may not be admitted to the hospital. There are several reasons. In the West, lending is not connected with insurance. People calmly choose a company, compare conditions and conclude contracts. Contributions are made gradually.

OOO "SK "Renaissance Life"

Application No. 1

to Order No. 116/OD/13 dated 02.08.2013

APPROVE

CEO

OOO "SK "Renaissance Life"

____________________________

LIFE AND HEALTH INSURANCE RULES FOR BORROWERS

Moscow, 2013

1. GENERAL PROVISIONS. DEFINITIONS.

1.1. In accordance with these Rules and applicable law

Russian Federation, the Insurer concludes voluntary life and health insurance contracts (issues Policies, Certificates) of loan borrowers (hereinafter referred to as the “Contract”, “Insurance Contract”) with capable individuals or legal entities of any form of ownership, hereinafter referred to as the Insured.

On the basis of these Rules, Policy Terms and Conditions for Life Insurance of Loan Borrowers and/or Policy Terms and Conditions for Life Insurance and against Accidents and Illnesses of Loan Borrowers (hereinafter referred to as the Policy Terms), containing clarifications and extracts from these Rules, may be developed. In this case, the Insurer concludes Insurance Contracts in accordance with the specified Policy Terms and Conditions.

1.2. Under the Insurance Policy, the life and health of the Insured himself or another person specified in the Policy who has entered into a loan agreement, loan agreement, loan agreement, guarantee agreement, hereinafter referred to as the Insured, may be insured.

1.3. The life insurance contract may be concluded in respect of one Insured (individual insurance) or a group, collective of the Insured (group (collective) insurance).

1.4. Illness (disease) - a violation of the normal functioning of the body, due to functional and / or morphological changes, not caused by an accident, diagnosed by a qualified doctor on the basis of objective symptoms that first appeared during the period of insurance or declared by the Insured (Insured) in an application (declaration) when concluding the Insurance Contract, as well as resulting from complications that developed after medical manipulations for the purpose of treating such a violation and performed during the period of insurance.

1.5 Temporary incapacity for work - incapacity for work as a result of an accident and/or illness that occurred during the period of insurance, accompanied by the inability to perform one's job duties for the period necessary to treat the consequences of the accident or illness.

1.6 Beneficiary - a person who owns the right to receive an insurance payment. In the event of the death of the Insured, the Beneficiary shall be the person specified in the Insurance Policy as the Beneficiary in the event of the death of the Insured. If the Beneficiaries are not identified, they are recognized as the heirs of the Insured in accordance with the current legislation, in this case, the insurance payment is made to them in proportion to their inheritance shares.

The beneficiary may be the credit institution (bank) that issued the loan and/or other persons specified in the Insurance Policy.

1.7 Insurance Contract / Policy / Certificate - a document certifying the conclusion of the Insurance Contract, which defines the conditions of insurance with a specific Policyholder. The Insurance Contract may also include the Rules of Insurance or Policy Conditions developed on the basis of these Rules of Insurance.

1.8 The insured persons under the Insurance Policy in case of group (collective) insurance are natural persons – borrowers of a credit institution who have entered into loan agreements with the credit institution (hereinafter: Loan Agreement) or who are holders of credit cards of the credit institution, who expressly expressed their voluntary consent (expression of will) to extend the validity of the Insurance Policy in respect of them, and who are indicated in the List of Insured / Payment Register / Border of Insured Persons.

1.9 Disability - social insufficiency due to health disorders with a persistent pronounced disorder of body functions due to diseases, consequences of injuries or acquired defects that occurred during the period of insurance, leading to limitation of life, inability to perform any labor activity in order to generate income and the need to provide social protection. Depending on the degree of impairment of body functions and limitation of life activity, a person is assigned a disability group.

Options for establishing disability groups and their combination, covered by insurance, are established in the Insurance Contract.

1.10 Loan agreement - a document certifying the conclusion of an agreement under which the credit institution undertakes to provide funds (loan) to the Insured (borrower) in the amount and on the terms stipulated by the agreement, and the borrower undertakes to return the received amount of money and pay interest on it.

1.11 Credit institution (bank credit institution, non-bank credit institution) - a legal entity that, in order to make profit as the main goal of its activity, on the basis of a special permit (license), has the right to carry out banking operations provided for by current legislation.

1.12 Accident - a sudden, external, short-term (up to several hours), actually occurring under the influence of various external factors (physical, chemical, mechanical, etc.), the nature, time and place of which can be unequivocally determined, occurring during the period of insurance and arising unexpectedly, unintentionally, against the will of the Insured, resulting in harm to the life and health of the Insured.

1.13 Preceding condition - any health disorder, injury, injury, congenital or acquired pathology, chronic or acute disease, mental or nervous disorder, etc., diagnosed and/or not diagnosed, but the existence of which was suspected, and/or which the Insured should have been aware of by existing manifestations or signs, in connection with which, before the conclusion of the Insurance Contract, any event of a medical nature occurred with the participation of the Insured. Such conditions also include any complications or consequences associated with said conditions.

1.14 Insurance Program - a set of conditions that characterize the amount of insurance coverage under the Insurance Contract, features of the conclusion and termination of the Contract, payment of insurance premium (insurance premiums) and insurance payment, etc.

1.15 Medical event - any examinations, laboratory tests of blood and all other biological fluids of the human body, instrumental methods of research (CT, MRI, ultrasound, ECHO KG, bicycle ergometry, rheoencephalography, any x-ray studies, isotope methods of research, and any other diagnostic methods), physical methods of examination - palpation, percussion, auscultation, etc., the presence of any suspicion of a disease by doctors of medical institutions /diseases of the insured, identified diseases, the insured’s appeal to a medical institution in connection with any complaints about the state of health, well-being, injuries, etc., the insured receiving any treatment, surgeries performed, hospitalizations, accidents, referrals for surgical operations, referrals for any examinations, and others.

1.16 Timely seeking medical help - seeking medical help after the first signs of the disease appear, i.e. until the condition worsens, complications develop, or irreversible consequences of the disease or condition occur.

1.17 Death is the termination of the physiological functions of the organism that support its vital activity.

1.18 Insurer - Limited Liability Company "Insurance Company "Renaissance Life", carrying out insurance activities in accordance with the license issued by the federal executive body for supervision of insurance activities.

1.19 Insurance year - a period of 1 year, starting from the date of conclusion of the Insurance Contract (Policy) or the insurance anniversary.

1.20 Insurance Anniversary – a date that is a multiple of a year from the commencement date of the Insurance Contract.

1.21 Sum insured - the amount of money determined by the parties in the Insurance Contract, on the basis of which the size of the insurance premium (insurance premium) is determined and within which the Insurer makes insurance payments.

1.22 Insurance rates - insurance premium rates per unit of the sum insured.

1.23 Insurance premium - payment for insurance, which the Policyholder is obliged to pay to the Insurer in the manner and within the terms established by the Insurance Contract.

1.24 Insured risk - an expected event as a result of accidents or diseases, which has signs of probability and chance, in the event of which the Insurance Contract is concluded.

1.23. Insured event - an event that occurred during the term of insurance, provided for by the Insurance Contract, upon the occurrence of which the Insurer's obligation arises to make an insurance payment (insurance payments) to the Policyholder, the Insured, the Beneficiary or other third parties.

1.25 Insurance payments - payments made upon the occurrence of an insured event to the Insured, the Beneficiary or the legal heir of the Insured.

Insurance payments are made regardless of the amounts due under other insurance contracts, as well as under social insurance, social security and in order to compensate for harm.

1.26 Insurance period - the period of time during which the Insured is covered by insurance coverage in relation to a certain insurance program (insurance risk), which begins after the entry into force of the Insurance Contract and is determined in accordance with Section 6 of these Insurance Rules. Insurance covers only insured events resulting from accidents that occurred to the Insured during the period of insurance, and illnesses that occurred and were diagnosed during the period of insurance.

1.27 Current loan debt - the balance of the principal debt on the loan actually provided by the bank, including accrued interest for the use of funds.

2. OBJECT OF INSURANCE.

2.1 The object of insurance is property interests that do not contradict the legislation of the Russian Federation and are associated with death, with the occurrence of other events in the life of the Insured persons, with causing harm to the life, health of the Insured persons.

3. INSURED EVENT. INSURANCE PROGRAMS.

3.1 Depending on the terms and conditions of the Insurance Policy, the following events may be recognized as insured events, except for the cases provided for in Section 4 (“General exclusions from insurance coverage”) of these Insurance Rules:

3.1.1 death of the Insured for any reason (hereinafter referred to as the "death of the Insured");

3.1.2 death of the Insured as a result of an accident (hereinafter referred to as "death of the HC");

3.1.3 death of the Insured as a result of an accident or illness (hereinafter referred to as the “death of the NSiB”);

3.1.4 disability of the Insured as a result of an accident (hereinafter referred to as the “Invalid Disability”):

3.1.4.1 disability of the Insured Group I as a result of an accident;

3.1.4.2 disability of the Insured Group II as a result of an accident;

3.1.4.3 disability of the Insured Group III as a result of an accident;

3.1.4.4 disability of the Insured Group I and II as a result of an accident;

3.1.4.5 disability of the Insured I, II, III groups as a result of an accident.

3.1.5 disability of the Insured as a result of an accident or illness (hereinafter referred to as the “Insured Person’s Disability”):

3.1.5.1 disability of the Insured Group I as a result of an accident or illness;

3.1.5.2 disability of the Insured Group I and II as a result of an accident or illness;

3.1.5.3 disability of the Insured Group II as a result of an accident or illness;

3.1.5.4 disability of the Insured Group III as a result of an accident or illness;

3.1.5.5 disability of the Insured Group I, II, III as a result of an accident or illness.

3.1.6.1 disability group I;

3.1.6.2. disability of I or II group;

3.1.6.3 disability group II;

3.1.6.4 disability group III;

3.1.6.5 disability of I, II, III groups.

3.1.7 temporary disability of the Insured as a result of an accident (hereinafter - "VNT NS");

3.1.8 temporary disability of the Insured as a result of an accident or illness (hereinafter referred to as "VNT NSiB");

3.1.9 temporary disability of the Insured, resulting from any reason (hereinafter "VNT LP");

3.1.10 Insurance program: survival of the Insured until the loss of a permanent job for reasons beyond his control (Appendix No. 2 to these Insurance Rules);

3.1.11 Insurance Program: Primary Diagnosis of a Deadly Disease (hereinafter referred to as the “PSPH”). The insurance risk under this program is the following event:

initial diagnosis of a deadly disease in the Insured, if it occurred during the insurance period, but not earlier than 3 (three) months from the beginning of the Insurance Contract (Policy) (in accordance with Appendix No. 1 to these Insurance Rules) (hereinafter referred to as the "PSPH").

3.3 The list of insurance risks/insurance programs in respect of which the Insurance Contract is concluded is specified in the Insurance Contract.

3.4 The events specified in paragraph 3.1 of these Rules of Insurance, which were the result of an accident that occurred during the period of the insurance period, or an illness diagnosed during the period of the insurance period, are recognized as insured events if they occurred no later than the expiration date of the insurance period.

3.5 Territory of the insurance coverage - the whole world, the duration of the insurance coverage is one hour per day. The contract may provide for other territory and duration of the insurance cover.

4. GENERAL EXCLUSIONS FROM INSURANCE COVERAGE.

4.1 The following are not accepted for insurance, unless otherwise provided by the Insurance Policy:

4.1.1 on the risks specified in p.p. 3.1.1. – 3.1.3 of the Rules, persons under 18 (eighteen) full years of age at the time the Insurance Contract (Policy) enters into force and over 90 (ninety) full years of age at the time of expiration of the Insurance Contract (Policy)1;

4.1.2 on the risks specified in p.p. 3.1.4. – 3.1.9 of the Rules, persons under 18 (eighteen) full years of age at the time the Insurance Contract (Policy) enters into force and over 90 (ninety) full years of age at the time of expiration of the Insurance Contract (Policy)2;

4.1.3 under the program specified in clause 3.1.10 of the Rules, persons under 18 (eighteen) years of age at the time the Insurance Contract (Policy) enters into force and older than 55 (fifty five) full years for women and 60 (sixty) full years for men at the time of expiration of the Insurance Contract (Policy);

4.1.4 under the program specified in clause 3.1.11 of the Rules, persons under 18 (eighteen) full years of age at the time the Insurance Contract (Policy) enters into force and older than 65 (sixty-five) full years at the time of expiration of the Insurance Contract (Policy);

4.1.5 disabled people of group I or II;

The Agreement may provide for other age restrictions The Agreement may provide for other age restrictions

4.1.7 persons with persistent nervous or mental disorders;

4.1.8 persons infected with the human immunodeficiency virus (HIV), as well as persons suffering from AIDS (acquired immune deficiency syndrome);

4.1.9 persons under investigation or in places of deprivation of liberty;

4.1.10 persons suffering from oncological diseases;

4.2 When insuring against events caused by diseases, the Insurer has the right to demand that the Insurance Policy be declared invalid, including for certain insurance risks, if it is later established that on the date of conclusion of the Insurance Policy the insured person had a chronic disease (s) of the cardiovascular system, respiratory system, nervous system, immune system, hematopoietic system, endocrine system, musculoskeletal system, digestive system, as well as chronic diseases and organs and systems and/or injury(s) or defect(s) have occurred.

4.3 If, after the conclusion of the Insurance Contract, it is established that a person falling into one of the above categories has been accepted for insurance, i.e. when concluding the Insurance Contract, the Policyholder did not inform the Insurer of the circumstances listed in clauses. 4.1 and 4.2 of these Rules of Insurance, and these circumstances were revealed after the entry into force of the Insurance Policy, the Insurer has the right to demand that such an Policy be recognized as invalid and apply the consequences provided for by the current legislation of the Russian Federation. Events that occurred with the above persons are not insured events, and, accordingly, the Insurer will not make insurance payments for these events.

4.4 Unless otherwise provided by the insurance contract, the following events are not insured events:

4.4.1 as a result of intentional actions of the Insured, the Policyholder or a person who, in accordance with the Policy, these Insurance Rules or the legislation of the Russian Federation, is the Beneficiary, as well as persons acting on their behalf;

4.4.2 in the course of commission (attempt to commit) by the Insured of a crime that is in a direct causal relationship with an event that has signs of an insured event;

4.4.3 while the Insured is in places of deprivation of liberty, as well as in temporary detention centers and other institutions intended for the detention of persons suspected or accused of committing a crime;

4.4.4 while the Insured is in a state of alcoholic, narcotic or toxic intoxication, as well as under the influence of potent and / or psychotropic substances, medications (taken without a doctor's prescription or according to a doctor's prescription, but in violation of the dosage indicated by him). The Insurer may recognize events that occurred while the Insured was under the influence of alcohol as insured events, if the actions of the Insured did not entail (either directly or indirectly) the occurrence of the event.

The decision to recognize an event as an insured event is made by the Insurer in each specific case based on the actual circumstances, taking into account all available documents (certificates from medical institutions, materials from law enforcement agencies, etc.);

4.4.5 while driving the Insured vehicle without the right to drive a vehicle of this category or driving a vehicle by a person who did not have the right to drive a vehicle of this category, provided that the control is transferred to such person by the Insured;

4.4.6 while driving the Insured Vehicle in a state of alcoholic, narcotic or toxic intoxication or under the influence of potent and / or psychotropic substances, medical preparations, the use of which is contraindicated in driving vehicles, or driving a vehicle by a person who was in a state of alcoholic, narcotic or toxic intoxication or under the influence of potent and / or psychotropic substances, medical preparations, the use of which is contraindicated in driving, provided that the control is transferred to such a person Insured nym;

4.4.7 as a result of committing suicide by the Insured, if by that time the Insurance Contract was valid for less than two years or was extended in such a way that the insurance was not valid continuously for two years, as well as in case of attempted suicide or intentional infliction of harm to life and health by the Insured to himself, unless the Insured was brought to this by unlawful actions of third parties;

4.4.8 during the direct participation of the Insured in civil unrest, disorder, war or hostilities, as well as during the Insured's military service by conscription, participation in military training or exercises, maneuvers, testing of military equipment or other similar operations as a military or civil servant;

4.4.9 during any air travel performed by the Insured, excluding flights as a passenger on a scheduled flight (including regular charter flights) operated by an organization holding the relevant license;

4.4.10 while the Insured is practicing professional sports, practicing any kind of sports on a systematic basis, aimed at achieving sports results; while participating in competitions, racing or other dangerous hobbies (for example, mountain climbing, diving under water to a depth of more than 40 meters, into underwater caves, to the remains of ships or structures that are under water, regardless of the depth of diving, parachuting, horse racing, rock climbing). The insurer may recognize as insured events events that occurred during amateur activities on a one-time basis (for example, during a vacation, vacation or weekend) snowboarding, skateboarding, mountain skiing, water skiing; scuba diving without the use of scuba gear, horseback riding, hiking without the use of climbing equipment, cycling (except trial or downhill), as well as during other activities that cannot be considered dangerous, cannot be attributed to professional sports or systematic training aimed at achieving sports results;

4.4.11 during the participation of the Insured in motocross, trial; motorcycle racing, car racing or other speed racing; other competitions, as well as while riding a motorcycle at an ambient or road surface temperature below zero degrees Celsius, riding a motorcycle or other two-wheeled motorized vehicle in the rain, riding a motorcycle or other two-wheeled motorized vehicle off-road;

4.4.12 during the implementation of conservative (including medication) or invasive (surgical) methods of treatment applied to the Insured, except in cases where the need for such treatment is due to an accident or illness occurring during the period of insurance or when there is a need to provide emergency (urgent) medical care;

4.4.13 as a result of any damage to the health of the Insured, caused by radiation exposure or resulting from exposure to nuclear energy;

4.4.14 as a result of the direct or indirect influence of a mental illness, if the accident occurred with a mentally ill Insured who was in a state of insanity at the time of the accident;

4.4.15 during an epileptic seizure (or other convulsive or convulsive seizures);

4.4.16 as a result of previous conditions or their consequences;

4.4.17 as a result of an illness of the Insured directly or indirectly related to HIV infection that arose before the conclusion of the Insurance Policy, drug addiction, substance abuse, chronic alcoholism, venereal diseases, diseases primarily transmitted sexually;

4.4.18 as a result of complications of pregnancy, childbirth, abortion, miscarriage;

4.4.19 in case of self-treatment of the Insured, which led to a deterioration in the state of health or aggravation of the pathological process;

4.4.20 if the Insured refuses the proposed treatment, resulting in disability of the Insured or delaying the recovery process.

4.4.21 as a result of alcoholic disease, alcoholic damage to organs and organ systems, including alcoholic cardiomyopathy, alcoholic liver damage, alcoholic kidney damage, alcoholic pancreatic damage, alcoholic encephalopathy and all other diseases arising from the use (single and/or constant/long-term use) of alcohol and its surrogates;

4.4.22 as a result of pathological conditions caused by the use of narcotic drugs / psychotropic drugs and their precursors (narcotic drugs - substances of synthetic or natural origin, drugs included in the List of narcotic drugs, psychotropic substances and their precursors, subject to control in the Russian Federation, in accordance with the legislation of the Russian Federation, international treaties of the Russian Federation, including the Single Convention on Narcotic Drugs of 1961.

4.5 The insurance contract may establish an incomplete list of exceptions specified in clause 4.4 of these Insurance Rules.

5. PROCEDURE FOR CONCLUDING AND REGISTRATION OF INSURANCE CONTRACT.

AMENDMENT OF THE AGREEMENT.

5.1 The Insurance Contract is concluded on the basis of an oral or written (in the form established by the Insurer) application of the Insured by signing the Insurance Contract or handing over to the Policyholder the Policy signed by the Insurer.

5.1.1 The Insurance Application (Declaration, Questionnaire) may be an integral part of the Insurance Contract or documents issued by a credit institution.

5.2 The insurance contract may be concluded by acceptance by the Policyholder of the insurance Policy (Offer Policy) signed by the Insurer and issued to the Policyholder by the Insurer. The Policyholder's acceptance is made by paying the insurance premium, unless otherwise provided by the Insurance Contract (Offer Policy).

5.3 The Insurer shall carry out an assessment of the insured risk prior to entering into the Insurance Contract.

5.4 When concluding the Insurance Policy, the Policyholder is obliged to truthfully and fully inform the Insurer of all the circumstances known to the Policyholder (information about the insured person) that are essential for determining the likelihood of an insured event and the amount of possible losses (insurable risk assessment) by specifying the information in the Insurance Policy, Application for insurance, Declaration and other questionnaires of the Insurer, as well as by signing the Application for insurance, which is the guarantee of the Policyholder / Insured for the accuracy of the information contained therein .

Circumstances specified by the Insured (Insured) in the Application for insurance, Declarations and/or other questionnaires of the Insurer are recognized as significant.

5.5 Both before the conclusion of the Insurance Contract and after its conclusion, the Insurer has the right to send the insured person to undergo a medical examination at a medical institution specified by the Insurer in accordance with the amount determined by the Insurer, which is paid by the potential Policyholder or the insured person. At the same time, the Insurer is obliged to notify the potential Insured in writing of the scope of the required medical examination and provide the necessary additional information.

The insurer may decide to pay the cost of the medical examination at its own expense.

5.6 The Insurer has the right to refuse to conclude an Insurance Policy or suspend consideration of an insurance application if the insured person suffered from a disease that threatens his life and health as of the date of the application (disease or condition, injury or other health disorder that can lead to disability, long-term (more than 2 weeks) disability, hospitalization, the need for surgical intervention, etc.). Subsequently, if the Insurance Contract is concluded, the Insurer has the right to demand that such an Insurance Contract be declared invalid and the consequences provided for by the current legislation of the Russian Federation be applied if it is established that the insured person suffered from a disease as of the date of conclusion of the Insurance Contract (a disease or condition, injury or other health disorder that can lead to disability, long-term (more than 2 weeks) disability, hospitalization, the need for surgical intervention, etc.). An event that happened to such an Insured is not an insured event, and, accordingly, the Insurer does not make insurance payments for these events.

5.7 After the assessment of the insured risk and payment of the insurance premium (first insurance premium) by the Insured, the Insurer issues the Insurance Contract (Policy) to the Insured on the terms specified in the Insured's application or on other terms.

5.8 If, after the conclusion of the Insurance Contract, it is established that the Policyholder provided the Insurer with knowingly false information about the circumstances specified in the Application for insurance, the Declaration, as well as in other questionnaires of the Insurer, the Insurer has the right to demand that such a Contract be recognized as invalid and apply the consequences provided for by the current legislation of the Russian Federation. Events resulting from circumstances about which the Insured provided deliberately false information when concluding the Insurance Contract are not insured events, respectively, the Insurer does not have an obligation to make an insurance payment under such a Contract.

5.9 The consent of the Insured with the appointment of the Beneficiary may be expressed by the Insured signing the Application for insurance / Application for accession to the Insurance Policy / Declaration, the Insurance Policy or by signing by the Insured a separate document - Application for the appointment of the Beneficiary, or in other documents of the Insurer.

5.10 The Insurer's signing of the Insurance Contract, as well as annexes and additional agreements thereto, may be carried out by reproducing a facsimile of the Insurer's signature mechanically or otherwise using a cliché.

5.11 In case of loss of the Insurance Contract, the Insurer shall issue a duplicate on the basis of a written application from the Policyholder. After the transfer of the duplicate to the Policyholder, the lost copy of the Insurance Policy is considered invalid and no insurance payments are made on it. In case of repeated loss of the Insurance Contract, the Policyholder shall pay the Insurer a sum of money in the amount of the cost of manufacturing the Insurance Contract.

5.12 All correspondence in connection with the Insurance Contract shall be sent to the addresses specified in the Insurance Contract. In the event of a change in the addresses and / or details of the parties, the parties undertake to notify each other in advance in writing. If the party was not notified of the change in the address and / or details of the other party in advance, then all correspondence sent to the previous address will be considered received on the date of its receipt at the previous address.

5.13 The procedure for making changes to the List of Insured Persons / Payment Register / Bordereau of Insured Persons in case of group (collective) insurance is established in the Group (collective) insurance Contract by agreement between the Insurer and the Policyholder.

5.14 Obligation to obtain the written consent of the Insured to be excluded from the List of Insured / Payment Register / Bordereau of Insured Persons. assigned to the Insured. The Policyholder shall be liable for failure to obtain the said consent.

5.15 When concluding the Insurance Policy, the Policyholder and the Insurer may agree to amend or exclude certain provisions of these Insurance Rules and/or to supplement the Insurance Rules. Changes to certain provisions and/or additions to the Insurance Rules by separate provisions may be reflected in the Policy Terms and Conditions.

5.16 Amendments to the Insurance Contract are carried out by means of an agreement drawn up in the same form as the Contract. It is possible to change the non-essential terms of the contract by notifying the Policyholder by the Insurer and/or on the website of the Insurer.

Signing by the Insurer of an agreement/notice on changing the terms of the Insurance Contract, as well as annexes thereto, is carried out by reproducing a facsimile of the Insurer's signature mechanically or otherwise using a cliché.

6. TERM OF INSURANCE CONTRACT. INTRODUCTION OF THE AGREEMENT

INSURANCE IN FORCE

6.1 The validity period of the Insurance Contract is determined upon conclusion of the Insurance Contract.

6.2 Term of insurance:

6.2.1 For insured risks “Death of the NSiB”, “Death of the LP”, “Disability of the NSiB”, “Disability of the NSIB”, “Disability” “PDSZ”, - from the 1st (first) day following the date of payment of the insurance premium by the Insured (the first insurance premium, if the insurance premium is paid in installments), in full or from the date of commencement of the Contract, depending on whether which of the dates is later than the expiration date of the Insurance Contract, unless otherwise specified in the Insurance Contract.

6.2.2 For insurance risks "VNT NS", "VNT NSiB" and "VNT LP" - from the 16th (sixteenth) day following the date of payment by the Insured of the insurance premium (the first insurance premium, if the insurance premium is paid in installments), in full or from the date of commencement of the Insurance Contract, depending on which date is later until the expiration date of the Insurance Contract, unless otherwise specified in the Insurance Contract.

6.2.3 Under the program "Survival of the Insured until the loss of a permanent job for reasons beyond his control" - in accordance with Appendix No. 2 to these Rules of Insurance.

7. SUM INSURED. INSURANCE PREMIUM, FORM AND PROCEDURE THEM

PAYMENTS

7.1 The sum insured is determined by agreement between the Insurer and the Policyholder and is specified in the Insurance Contract.

7.2 The sum insured for the risks "Death of NSiB", "Death of NSiB", "Death of LP", "Disability" and "Disability of NSiB", "Disability of NSiB" may be equal to one of the following values:

7.2.1 the amount of the initial loan amount of the Insured (Insured) under the loan agreement at the time of its conclusion and does not decrease during the term of the Insurance Agreement as the debt of the Insured (Insured) under the loan agreement is repaid.

7.2.2 the amount of the initial loan amount under the loan agreement at the time of its conclusion. During the validity of the Insurance Contract, the sum insured decreases as the Insured's (Insured's) debt under the loan agreement is repaid and is equal to the current loan (actual) debt of the Insured's (Insured's) under the loan agreement as of the date of the insured event.

7.2.3 the amount of the initial loan amount under the loan agreement at the time of its conclusion. During the validity of the insurance contract, the sum insured decreases in accordance with the initial payment schedule and is equal to the loan debt on the date of the insured event in accordance with the initial payment schedule.

7.2.4 the maximum amount of the limit established for the Policyholder (Insured) by the bank card agreement at the time of its conclusion and does not decrease during the term of the Insurance Agreement.

7.2.5 the amount of the Insured's (Insured's) debt under the bank card agreement as of the date of the bank card statement.

7.2.6 The insurance contract may provide for a different value of the sum insured for the risks "Death of NSiB", "Death of NSiB", "Death of LP", "Disability of NS", "Disability of NSiB", "Disability".

7.3 The insurance contract may provide for an increase in the sum insured by the amount agreed between the parties.

7.4 The sum insured for the risk "VNT NSiB", "VNT NS", "VNT LP" is equal to the amount of the initial loan amount of the Insured under the loan agreement at the time of its conclusion, unless otherwise specified in the Insurance Agreement.

7.5 The sum insured under the "PSSZ" insurance program is determined in accordance with Appendix No. 1 to these Insurance Rules.

7.6 The sum insured under the insurance program "Survival of the Insured until the loss of a permanent job for reasons beyond his control" is determined in accordance with Appendix No. 2 to these Insurance Rules.

7.7 Sums insured and insurance premiums are set in Russian rubles. By agreement of the Parties, the Insurance Policy may indicate insurance amounts in foreign currency, the equivalent of which are the corresponding amounts in rubles (hereinafter referred to as insurance in foreign currency equivalent).

7.8 When insuring in a currency equivalent, the insurance premium is paid in rubles at the exchange rate of the Central Bank of the Russian Federation established for the foreign currency provided for by the Insurance Contract on the date of payment (transfer).

7.9 The insurance premium (insurance premiums) is calculated by the Insurer based on the sum insured in accordance with the approved tariffs of the Insurer.

7.10 The policy conditions may provide for the maximum amount of the sum insured.

7.11 The procedure and frequency of payment of the insurance premium (insurance premiums) is determined in the Insurance Contract (Policy).

7.12 The date of payment of the insurance premium is the date of receipt of the insurance premium to the settlement account of the Insurer, unless otherwise specified in the Insurance Contract.

7.13 If the Insured fails to pay the full amount of the insurance premium or the first insurance premium within the period established by the Insurance Contract or pays the first insurance premium in a smaller amount than the amount provided for in the Contract, the Insurance Contract shall be deemed not to have entered into force.

7.14 When paying the insurance premium in installments, the non-payment by the policyholder of the amount of the next insurance premium in full within the time period for its payment established by the contract means for the parties to the insurance contract the will expressed by the policyholder to withdraw from the insurance contract from 00:00 on the day following the day of the end of the deadline for paying the next insurance premium established by the contract, which was not paid within the specified period. Guided by paragraph 1 of Art. 452 of the Civil Code of the Russian Federation, the parties agreed that a separate agreement on termination of the insurance contract in this case is not drawn up by the parties.

8. RIGHTS AND OBLIGATIONS OF THE PARTIES

8.1 The policyholder has the right:

8.1.1 receive a duplicate of the Insurance Contract in case of loss of the original;

8.1.2 receive from the Insurer information about its financial performance that is not a commercial secret;

8.1.3 terminate the Insurance Contract ahead of schedule by notifying the Insurer in writing;

8.1.4 in case of recognition of the occurred event as an insured event, receive an insurance payment;

8.1.5 other rights provided for by these Insurance Rules.

8.2. The Policyholder / Insured is obliged to:

8.2.1 pay the insurance premium (insurance premiums) in the amount and within the time limits established by the Insurance Policy;

8.2.2 inform the Insurer upon conclusion of the Contract and at the stage of assessment of the insured risk by the Insurer, reliable information relevant for determining the degree of insured risk;

8.2.3 immediately notify the Insurer of changes in the circumstances reported to the Insurer at the conclusion of the Contract, if these changes can significantly affect the increase in the insured risk (the change in circumstances is recognized as significant when they have changed so much that if the parties could reasonably foresee this, the Contract would not have been concluded by them at all or would have been concluded on significantly different conditions); immediately inform the Insurer about the change of the last name or first name of the Insured, change of his address (in case of relocation), data of the identity document of the Insured (in case of replacement);

8.2.3.1 upon the occurrence of an event that has signs of an insured event, provide all necessary documents at the disposal of the Insurer; The Policyholder / Insured is obliged to independently obtain the documents requested by the Insurer from organizations and any other institutions of any organizational and legal form;

8.2.4 upon the occurrence of an event that has signs of an insured event, notify the Insurer in writing within 35 (thirty-five) days from the date when the Policyholder / Insured became aware of the incident, followed by the provision of all necessary information and the attachment of supporting documents (subject to the conditions of clause 8.2.7). The obligation of the Policyholder / Insured to report the fact of the occurrence of the specified event may be performed by the Beneficiary;

8.2.5 upon the occurrence of an insured event (illness), timely (before the onset of complications and/or deterioration of the condition) apply to a medical institution and strictly follow the received medical recommendations and instructions; in the event of an accident, immediately (but not more than a day from the moment of the accident) after its occurrence, seek help from a medical institution and strictly follow the received medical recommendations and instructions;

8.2.6 when applying for an insurance payment, provide the Insurer with an application for payment in the form established by the Insurer, as well as all necessary documents in accordance with Section 10 of these Insurance Rules. This obligation also applies to the Beneficiary in the event of his application for payment;

8.2.7 in case of doubts about the authenticity and/or reliability, as well as the sufficiency of the documents submitted by the Policyholder / Insured in connection with the occurrence of an event that has signs of an insured event, or to confirm the state of incapacity for work, including when assigning a disability group, undergo repeated laboratory and instrumental examinations (including ultrasound examinations, X-ray and other methods of radiation diagnostics), repeated medical examinations performed by doctors of various specialties at the request of the Insurer. The specified studies and medical examinations are carried out by doctors appointed by the Insurer, in places designated by the Insurer and at its expense;

8.2.8 return the received insurance payment if, during the limitation period provided for by the current legislation of the Russian Federation, such a circumstance is discovered that, under the law or under these Insurance Rules, completely or partially deprives the Insured, the Beneficiary of the right to receive insurance payment;

8.2.9 perform other obligations stipulated by these Insurance Rules, the Insurance Policy.

8.3. The insurer has the right:

8.3.1 check the information provided by the Policyholder, the Insured, the Beneficiary, as well as their compliance with the provisions of these Insurance Rules, the Insurance Policy and other documents fixing the contractual relationship between the Policyholder and the Insurer related to the conclusion, performance or termination of these relationships;

8.3.2 when calculating the insurance premium, apply decreasing and increasing coefficients, set limits on the amount of insurance amounts and combinations of insurance risks in the Insurance Contract;

8.3.3 after the conclusion of the Insurance Contract, in the event of an increase in the degree of insured risk, in agreement with the Policyholder, amend the Insurance Contract. If the parties have not reached an agreement, the Insurer has the right to demand termination of the Insurance Policy, if the circumstances leading to an increase in the degree of insured risk have not disappeared by the time of termination of the Insurance Policy;

8.3.4 send your doctor to the Insured. The doctor must be given the opportunity of free access to the Insured for a comprehensive examination;

8.3.5 refuse the insurance payment in the following cases:

If the event is not an insured event,

Non-fulfillment by the Insured / Insured of the obligations provided for in clause 8.2.

these Rules of insurance;

Untimely application of the Policyholder / Insured to a medical institution, as well as in case of untimely application to the Insurer with an application provided for in paragraphs. 8.2.6 of these Insurance Rules;

If the Policyholder has not reported a change in the information about the Insured specified in the Insurance Policy, if this change was a direct or indirect cause of an event that has the characteristics of an insured event;

Non-payment by the Policyholder of the insurance premium in the manner prescribed in the Insurance Policy;

In other cases provided for by these Rules of Insurance, the Insurance Policy and the current legislation of the Russian Federation;

8.3.6 organize a repeated medical examination and independent examination in connection with the circumstances related to the insured event;

8.3.7 defer payment in cases provided for by these Insurance Rules, the Insurance Policy and the current legislation of the Russian Federation;

8.3.8 if necessary, send requests to the competent authorities;

8.3.9 demand the recognition of the Insurance Agreement as invalid and the application of the consequences provided for by the current legislation of the Russian Federation, and / or demand the termination of the Insurance Agreement.

8.3.10 other rights provided for by these Insurance Rules.

8.4. The insurer is obliged:

8.4.1 issue to the Insured the Rules of Insurance (Policy Conditions developed in accordance with these Rules of Insurance) when concluding the Insurance Contract;

8.4.2 if the event is recognized as an insured event, make an insurance payment in the manner and within the time limits established by these Insurance Rules, after receiving all the necessary documents and drawing up an insurance act;

8.4.3 inform the Insured / Beneficiary, or their legal representatives, in writing of the decision to refuse or postpone the decision on the insurance payment with justification of the reasons;

8.4.4 ensure confidentiality in relations with the Policyholder, the Insured, the Beneficiary, except for the transfer of the required amount of information to another insurance or reinsurance company in the event of transfer of the concluded Insurance Contract for reinsurance;

8.4.5 perform other obligations stipulated by these Insurance Rules, the Insurance Policy.

8.4.6 The Insurer does not collect the documents required to provide the Insurer in connection with the occurrence of an event that has signs of an insured event.

9. PROCEDURE FOR CALCULATION OF INSURANCE PAYMENT

9.1 The amount of the insurance payment is determined on the basis of the sums insured established in the Insurance Policy and in accordance with the limits of liability of the Insurer for insurance payment under the Insurance Policy established in these Insurance Rules.

9.2 Upon the occurrence of an insured event "Death of NS" / "Death of NSiB" / "Death of LP"

the insurance payment is made in the amount of 100% of the sum insured for this risk.

9.3 Upon the occurrence of an insured event “Invalidity of the National Assembly” / “Invalidity of the NSiB” / “Invalidity”, the insurance payment is made in accordance with the terms of the Insurance Policy. The insurance contract may provide for one of the following options.

Possible options for the size of insurance payments (as a percentage of the sum insured):

–  –  –

9.4 Upon the occurrence of an insured event for the risks "VNT NSiB", "VNT NS" and "VNT LP", the insurance payment is made in the amount of 1/30 (one thirtieth) of the monthly payment of the Insured under the Loan Agreement for each day of temporary disability. The conditions for payment are determined in the Insurance Agreement and the Insurance Agreement may establish additional restrictions on the terms of payments. Repeated temporary incapacity for work (repeated cases of temporary incapacity for work) due to the same accident and / or illness will be considered as one insured event with the application of the appropriate limitations on the period of paid temporary incapacity for work for one insured event.

The Insurer has the right, when concluding the Insurance Contract, to establish a deferred period ranging from 0 (zero) to 61 (sixty-one) first calendar days of incapacity for work, and, accordingly, these days are not taken into account when calculating the insurance payment. The duration of the deferred period is determined at the conclusion of the Insurance Contract.

9.5 Upon the occurrence of an insured event under the program "Primary Diagnosis of a Deadly Disease", the insurance payment is determined in accordance with Appendix No. 1 to these Insurance Rules.

9.6 Upon the occurrence of an insured event under the program "Survival of the Insured until the loss of a permanent job for reasons beyond his control", the insurance payment is determined in accordance with Appendix No. 2 to these Insurance Rules.

From the amounts payable to the Policyholder (the Insured, 9.7 Beneficiary) in connection with the occurrence of an insured event, the Insurer has the right to withhold (without additional application) insurance premiums overdue in accordance with the terms of the Insurance Contract as of the date of insurance payment.

9.8 The insurance contract may provide for a different procedure for calculating insurance payments, which differs from the procedure provided for in this Section.

9.9 The total amount of insurance payments for all insured events for the entire period of validity of the Insurance Policy for the risks: “Death of NSiB”, “Death of LP”, “Disability of NS”, “Disability of NSiB”, “Disability” or the insurance program “Initial Diagnosis of a Deadly Disease”, does not exceed the insurance amount established in the Insurance Policy for this insurance risk / insurance program or under the Insurance Policy as a whole.

At the same time, upon the occurrence of an insured event for any of the risks: “Death of the National Assembly”, “Death of the NSiB”, “Death of the LP”, “Disability of the National Assembly”, “Disability of the NSiB”, “Disability” or the insurance program “Primary Diagnosis of a Deadly Disease”, the insurance payment is reduced by the amount of previously made insurance payments under the contract.

10. PROCEDURE FOR IMPLEMENTATION OF INSURANCE PAYMENTS

10.1 The insurance payment is made by the Insurer regardless of all types of benefits, pensions and payments received by the Insured, the Insured (the Beneficiary) under state social insurance and social security, labor and other agreements, insurance contracts concluded with other insurers and the amounts due to him in the order of compensation for harm under the current legislation of the Russian Federation.

10.2 Upon the occurrence of an event that has signs of an insured event, the Policyholder, the Insured or the Beneficiary must notify the Insurer of the occurrence of an event that has signs of an insured event within 35 (thirty five) days, starting from the day when any of the specified persons became aware of the occurrence of an event that has signs of an insured event, by any available means that allows objectively fixing the fact of the report.

To receive the insurance payment, the Policyholder, the Insured 10.3 (the Beneficiary, the Legal Representative) is obliged to provide documents confirming the occurrence of the insured event:

10.3.1 Beneficiary (due to the death of the Policyholder / Insured):

Original insurance policy and all additional agreements to it;

Notarized application for insurance payment, in the form established by the Insurer, indicating the full bank details of the Beneficiary;

a notarized copy of the death certificate of the Policyholder/Insured;

a notarized copy of the death certificate of the Policyholder/Insured;

a copy of the medical death certificate, certified by the institution that issued it, or a notarized copy;

a copy of the inpatient card / medical history certified by the medical institution;

a copy of the outpatient card certified by the medical institution;

a copy of the forensic medical examination report certified by the institution / autopsy report / extract from the forensic medical examination report (depending on the circumstances of the death);

other documents necessary to establish the causes and nature of the event that has signs of an insured event (duly certified copies of the decisions to initiate a criminal case, to refuse to initiate a criminal case, to terminate the criminal case, to suspend the preliminary investigation of the case, other documents from law enforcement agencies, a copy of a court order, an act of an accident at work in the form of H-1, etc.).

10.3.2 The Policyholder, the Insured (the Beneficiary) in connection with the cases of insurance risks "Disability NS", "Disability", "VNT NS", "VNT NSiB" or "VNT LP":

a copy of the insurance policy and all additional agreements to it;

an application for an insurance payment in the form established by the Insurer, indicating the full bank details of the Policyholder/Insured;

an identity document of the recipient of the insurance payment;

the original certificate of the ITU body, on the establishment of a disability group or its notarized copy;

the original referral to the ITU, issued by a medical institution (a copy certified by the issuing institution, or a notarized copy);

originals or documents of a medical institution certified by a medical institution (extract from the medical history, outpatient card of the Insured, cards from the ITU body, x-rays, etc.) confirming the fact of the occurrence of an insured event and the degree of damage to the health of the Insured, a certificate of temporary disability;

a certified copy of the certificate of examination in the ITU;

an individual rehabilitation program for a disabled person;

other documents necessary to establish the causes and nature of an event that has signs of an insured event (duly certified copies of decisions to initiate a criminal case, to refuse to initiate a criminal case, to terminate the criminal case, to suspend the preliminary investigation of the case, other documents from law enforcement agencies, a copy of a court order, an act of an accident at work in the form of H-1, etc.);

a copy of the loan agreement and the debt repayment schedule under the loan agreement;

10.3.3 The Policyholder, the Insured (the Beneficiary) in connection with the cases provided for under the insurance program "PSPH" of these Insurance Rules in accordance with Appendix No. 1 to these Insurance Rules.

10.3.4 The Policyholder, the Insured (the Beneficiary) in connection with the cases provided for under the insurance program "Survival of the Insured until the loss of a permanent job for reasons beyond his control" - in accordance with Appendix No. 2 to these Insurance Rules.

10.3.5 The insurance contract may provide for a different procedure for the submission of documents (list of documents, form of their submission).

10.4 All certificates and extracts from medical institutions must indicate the diagnosis, the date of onset of the disease (illness) or the date of the accident, and must also contain at least 2 seals (stamps) of the medical institution.

10.5 All documents provided for by this Section and provided to the Insurer in connection with insurance payments must be drawn up in Russian. If the documents provided to the Insurer are issued on the territory of a foreign state, they must have an apostille (if applicable) and/or a notarized translation. In case of submission of documents that cannot be read by the Insurer due to the peculiarities of the handwriting of a doctor or an employee of the competent authority, as well as due to violation of the integrity of the document (torn, wrinkled, erased, etc.), the Insurer has the right to postpone the decision on payment until the documents of proper quality are provided.

10.6 If necessary, the Insurer has the right to request from the Policyholder/Insured (Beneficiary) other documents confirming the facts and circumstances of the occurrence of the insured event, as well as independently inquire from medical institutions, law enforcement agencies and other institutions that have information about the circumstances of the insured event, the circumstances associated with this insured event, as well as organize independent examinations at its own expense.

If the documents submitted by the Policyholder/Insured (Beneficiary) do not confirm the existence of an insured event, and the receipt by the Insurer of additional documents or an independent examination has become impossible due to the fault of the Policyholder/Insured (Beneficiary), the Insurer has the right to refuse insurance payment.

10.7 Within 10 (ten) working days from the date of receipt of the documents specified in paragraph.

10.8 of these Rules of Insurance, as well as any other written documents requested by the Insurer and establishing the fact of the occurrence of an insured event,

Insurer:

In case of recognition of the occurred event as an insured event, it draws up an insurance act;

If, on the facts related to the occurrence of an event that has signs of an insured event, in accordance with the current legislation of the Russian Federation, an additional audit is appointed, a criminal case is initiated or a trial is initiated, until the end of the audit, investigation or trial, or the elimination of other circumstances that prevented payment, makes a decision to defer the insurance payment, of which it notifies the Insured in writing;

Makes a decision to refuse the insurance payment, and notifies the Policyholder in writing.

10.9 If the Insurer makes a positive decision on the insurance payment, it is carried out within 14 working days from the date of drawing up the insurance act by transferring it to the beneficiary's bank account. The date of payment is the day when funds are debited from the settlement account of the Insurer.

When insuring in a currency equivalent, the insurance payment is made in rubles at the exchange rate of the Central Bank of the Russian Federation established for this currency on the date of payment.

10.10 Insurance payment is made at a time to the Beneficiary specified in the Insurance Policy;

10.11. Persons guilty of the death of the Policyholder/Insured or intentional infliction of bodily harm resulting in the death of the Policyholder/Insured are not entitled to receive insurance payment.

10.12 When the court declares the Policyholder/Insured as dead, the insurance payment is made provided that the court decision states that the Policyholder/Insured went missing under circumstances threatening death or giving reason to believe his death from a certain accident, and the day of his disappearance or alleged death falls within the validity period of the Insurance Contract. If the Policyholder/Insured Person is declared missing by the court, the insurance payment shall not be made.

10.13 The insurance payment may be made to the representative of the Beneficiary under a Power of Attorney issued by the Beneficiary in accordance with the procedure established by law (notarized or equivalent to it).

10.14 Claims for insurance payment may be submitted to the Insurer within 3 (three) years from the date of occurrence of the insured event.

11. TERMINATION OF THE INSURANCE CONTRACT

11.1 The Insurance Contract is terminated:

If the Insurer fulfills its obligations under the Insurance Policy in full;

In the event of an insurance payment for the risks of "Death" or "PSPH";

In the event of an insurance payment for the risk "Disability" / "Disability NS" / "Disability NSiB" in the amount of 100% of the sum insured;

In the event of the expiration of the Agreement;

If the possibility of an insured event has disappeared, and the existence of the insured risk has ceased due to circumstances other than the insured event;

In case of expiration of the loan agreement;

In case of early repayment of debt under the loan agreement under paragraphs 7.2.1., 7.2.2;

In the event of the death of the Insured - an individual who has concluded the Insurance Agreement for a third party, liquidation (reorganization) of the Insured - a legal entity in accordance with the procedure established by the current legislation of the Russian Federation, if the Insured or other person in accordance with the current legislation of the Russian Federation has not assumed the obligations of the Insured under the Insurance Agreement;

In other cases provided for by these Rules of Insurance, the Insurance Policy and the current legislation of the Russian Federation.

11.2 The insurance contract may be terminated unilaterally:

11.2.1 On the initiative (request) of the Insurer:

Based on clause 8.3.3 of these Insurance Rules.

11.2.2 At the initiative (request) of the Policyholder.

At the same time, the early termination of the Insurance Agreement is made on the basis of a written application of the Insured with an attachment to the Insurance Agreement, an identity document. The Insurance Contract is considered terminated from 00:00 on the day specified in the application, or the day the Insurer receives the application, if the date of termination of the Contract is not specified, or the date of termination of the Contract specified by the Policyholder is earlier than the date of receipt of the application by the Insurer.

11.3 In insurance contracts with a reduced sum insured in the event of early termination (cancellation) of the Insurance Contract in respect of the Policyholder (Insured) due to early repayment of debt under the loan agreement, the Policyholder shall be paid a part of the insurance premium in the amount of the share of the last paid insurance premium in respect of this Insured, in proportion to the unexpired part of the paid insurance period of this Insured, less the administrative costs of the Insurer, unless otherwise provided for in the insurance contract.

In insurance contracts with a non-reducible sum insured, in case of early termination (cancellation) of the Insurance contract in relation to the Insured (Insured) due to early repayment of the debt under the loan agreement, the insurance premium is not returned.

11.4 The Insurer's administrative costs amount to up to 98% (ninety eight percent) 3 of the paid insurance premium.

11.5 In the event of early termination of the Contract (termination), as well as in the event of the expiration of the Contract, the Insurer's obligations for insurance payment upon the occurrence of an insured event that occurred during the period of insurance paid by the Policyholder and until the termination (termination) of this Contract remain.

12. FORCE MAJOR

12.1 Upon the occurrence of force majeure circumstances (force majeure), the Insurer has the right to delay (until the consequences of force majeure circumstances are eliminated) the performance of obligations under the Insurance Contracts or is released from their performance.

12.2 In the event of force majeure circumstances, the Insurer shall immediately inform the Policyholder of the situation that has arisen and the measures taken to resolve it.

13. DISPUTES RESOLUTION

13.1 All disputes under the Insurance Policy between the Parties, if it is impossible to reach mutual agreement on their settlement through negotiations between the parties, are resolved in court:

a) for legal entities - in the Arbitration Court of Moscow;

b) for individuals - in accordance with the current legislation of the Russian Federation.

14. FINAL PROVISIONS

14.1 All statements and notices made to each other by the Insured Subjects must be made in writing, in ways that allow to objectively fix the fact of the message.

The amount of administrative expenses is indicated by agreement of the parties.

14.2 Each of the Parties is responsible for bringing its message to the other Party at the address fixed in the Agreement.

14.3 In the event of a change of address without informing the other Party, the unnotified Party shall be released from liability for not informing the changed address

When receiving a consumer loan, the bank may offer to issue an insurance program in case of loss of work or loss of health (disability assignment) and / or death. If, after signing the contract, the client changes his mind, he can terminate the policy. Before submitting an application for cancellation of the contract, it is important to understand the conditions under which the refund of the amount paid will be made.

Insurance at Renaissance Life

Renaissance Life is a large insurance company offering a comprehensive borrower for cash loans or for the purchase of goods and/or services.

An insurance policy can be issued in case of:

• the client's death or disability;
• job loss;
• diagnosing a fatal disease.

Most policies are issued through an agent of the insurance company - Renaissance Credit Bank. Employees can offer to protect themselves to the client when submitting an application at a branch, buying goods in a store or receiving a service on the territory of bank partners.

The agreement in IC Renaissance Life comes into force from 00-00 hours of the day following the day of full payment of the insurance premium or transfer of a part of the premium if there is an agreement on the transfer in installments.

The law determines that the bank does not have the right to impose on the client or refuse to issue money due to the lack of a formalized agreement on personal protection.

Termination of the insurance agreement at the initiative of the client

The client can apply to Renaissance Life with an application to terminate the policy at any time. Depending on the chosen direction of insurance, the conditions for the return of payment will differ.

Under programs to protect the life and health of borrowers, as well as when applying for insurance in case of diagnosing fatal diseases, how much will be returned depends on the period in which, after issuing the policy, the client applied to cancel the agreement:

• within 14 calendar days - payments will be made in full, the date of termination will be the day the agreement enters into force;
• after 14 calendar days - the insurance premium for the remaining period is returned, taking into account the costs of the insurer for doing business.

Important! The policy conditions provide for the possibility of withholding up to 98% of the amount paid for administrative costs.

If the insurance against loss of work is canceled at the initiative of the client, the premium paid will not be refunded. An exception is the situation when the client manages to apply within the "cooling off period" specified by law - a period within 5 working days after the execution of the contract. In such a situation, the payment will be made:

• in full, if the contract has not entered into force;
• minus the expenses of the insurer for the days that the contract was “valid” if it was active on the date of application.

There will be no refund of the insurance premium when applying for collective insurance. This type of agreement means that the contract is drawn up between the bank and the insurance company, and the client only agrees and accedes to the already existing conditions.
Important! The statutory "cooling off period" does not apply to agreements providing for collective protection.
If an insured event occurred before the termination of the policy, then not a refund of the amount will be made, but the payment of the due compensation.

Return of insurance in case of early repayment of the loan

The client will be calculated the redemption amount for the remaining period, minus the costs of the insurer for doing business. At the same time, the policy conditions determine that administrative costs can reach up to 99% of the amount paid by the borrower.

Under collective insurance agreements, in case of early termination of the loan, the return of the insurance premium is not provided.

How to return insurance issued in Renaissance Life

In order to receive a refund of the amounts paid, the insurer must be notified in writing of his/her intention to withdraw from the contract. The application can be submitted to the organization in person (if the borrower has a representative office), through a partner bank, or by sending it by registered mail.

In case of refusal of insurance after receiving the money, it is necessary to provide along with the application:

• a certified copy of the passport;
• original insurance contract.

When terminating the contract due to early repayment, an additional certificate of no debt to the bank is required.

Important! The application must include a list of documents that will be attached to it. When providing directly to the insurance company or through an agent bank, you need to obtain an employee visa on a copy or a second copy of the application for acceptance, and when sent by mail, make an inventory of the attachment.

After termination of the contract, the insurance company has up to 60 days to transfer the calculated refund amount.

Features of obtaining insurance in popular banks:

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(5 ratings, average: 4,40 out of 5)

Likewise. It's a shame. And where only the authorities are looking.

Answer

I read your reviews, I don’t understand why there is so much dirt against a company that has been on the market for so many years ??? I took a large loan from VTB to cover several, the amount is very large. Life insurance (just in Renlife) is a prerequisite, the manager at the bank did not even put it as a question or choice .. This is not a car or a refrigerator, it turned out to be paid ahead of schedule for several years, there terms are not small, like in a mortgage. Even the thought was not to terminate. Anyway, I said goodbye to this money and paid it, I understood that I was also taking an insurance premium on credit. If I still paid everything, then at least my life will be insured for another three years! If something happens, then Renlife gives protection, coverage. And so - nothing will happen.

A lot of citizens who managed to get loans more than once met with an annoying offer from a lender regarding insurance. Recently, this is not an offer, but a requirement, so almost every borrower has to overpay when taking out insurance.

Many are interested in whether it is possible to return the loan insurance within the framework of the Renaissance Life program? Yes, the benefit of this can be done, the main thing is to act according to the instructions.

The process of returning a policy previously issued on a voluntary-compulsory basis is very scrupulous, as it includes many nuances, each of which plays an important role and affects the final result.

For early repayment

In order to return the loan insurance under the Renaissance Life insurance program, it is necessary to clarify with the creditor bank information regarding the agreement previously concluded with the insurance company.

So, before starting the implementation of the process for the return of funds spent on the policy, the borrower must be sure that the contract with the insurance company is “personal” and not “collective”.

In case of early repayment of the loan, the borrower has the opportunity to return the insurance, but only under two conditions:

1. The monetary debt will be repaid ahead of schedule: within the first 30 days from the date of receipt of the loan;
2. The loan will be repaid not partially, but in full.

After paying off the loan obligation in full and in one payment, the citizen will have to apply with an appropriate application to the insurance company, which, according to the instructions of the Bank of Russia, will be obliged to return the money previously spent on paying for the insurance policy.

After receiving money

According to the current legislation of the Russian Federation, it is possible to return insurance on a loan received from Renaissance Credit Bank almost immediately after receiving a loan "in hand". In this context, it is worth noting that the filing of an application with a request to return the money must be carried out by the debtor during the first 10 days from the date of receipt of funds.

Here it is worth focusing the attention of borrowers on the fact that they can get money back only on the condition that during the period of the first 10 days mentioned above, certain situations did not occur.

So, to the attention of readers, the range of reasons why citizens can be refused:

1. The occurrence of an insured event (for example, having received a car on credit, the debtor became a participant in an accident for a specified period);
2. The insurance contract was an addition to the loan agreement, that is, the agreement with the IC (insurance company) was not drawn up personally (it is recommended to go to the IC on your own and take out insurance);
3. The policy was issued upon receipt of a large amount, a certain category of people or upon taking a mortgage (there are cases when the borrower has insurance is mandatory, which is regulated by applicable law).

If, after reading the above exceptions, the borrower understands that he has nothing to do with them, he, according to the model, can confidently write an application addressed to the management of the insurance company with a request to return the money.

Before receiving funds

In principle, if you rely on legislative acts, then each potential borrower has the right to refuse insurance, unless it is stipulated by other bills and rules, as evidenced by the law "On Protection of Consumer Rights", which states that banks and MFIs do not have the right to offer and impose their product by selling another product.

But in reality, unfortunately, everything is different, the borrower has only two options:

1. Refuse insurance and not get loans from Renaissance Credit Bank, as happens in 80% of cases;
2. Take out insurance and try to return the money paid for it after the loan is issued.

Documents for termination of the contract

Like every such important procedure, and even associated with a considerable amount, the process of issuing a waiver of insurance requires a certain range of documents from debtors.

It is worth focusing the attention of borrowers on the fact that employees of the UK may require a range of additional documents, for example, a loan agreement, a passport of a citizen of the Russian Federation or a taxpayer identification code.

You should not provide original documents, because if they are lost “somewhere”, they will have to be restored for a long time, as a result of which it will not be possible to meet the 10-day deadline.

Making an application

The procedure for waiving unnecessary insurance includes many subtleties and tricks. Thus, the application, as indicated, must be received by the UK no later than 10 days after the issuance of the loan "into the hands" of the debtor. It is worth noting here that there are two ways to apply.

It is easy for the borrower to return the paid loan insurance at Renaissance Credit Bank if the “cooling off period” has not expired. In other cases, difficulties may arise. Let's consider all possible situations.

Is it possible to get back the funds spent on loan insurance at Renaissance Bank, depending on at what point the borrower decided to do this:

• during the "cooling" period - immediately after the loan is issued;
• in case of early repayment of debt;
• after the closing of credit debts according to the schedule.

Option 1: cancellation of insurance during the "cooling off" period

The “cooling off” period is the time that is given to the borrower to refuse the imposed product or service. Its duration and features are completely dependent on the Central Bank of the Russian Federation.

After the issuance of the instruction of the Central Bank of the Russian Federation, banks must provide in the contracts for a period of at least 5 days: it is at this time that customers can terminate the agreement and return the money paid. From the beginning of 2020, the deadline is extended from 5 to 14 days.

According to the law, when obtaining a loan for personal needs, life insurance is an additional service that a potential borrower has the right to refuse.

By law, a bank customer can return the cost of insurance if:

• issued a personal insurance policy;
• insured events did not occur;
• insurance is issued only against unemployment, death or accidents.

Based on a written request, the insurance company is obliged to compensate the cost of the policy in full.

When concluding insurance policies, Renaissance-Credit does not act on its own behalf, but on behalf of another company with which it cooperates - LLC IC Soglasie-Vita. There is also a subsidiary - OOO SK "Renaissance-Life".

The basis for the return of the money spent is the written request of the client.

A sample application for cancellation of an insurance contract by IC Renaissance Life is as follows:

The application form for cancellation of insurance by IC "Consent-Vita" is not posted on the official website. To write an application, you can contact the insurance company directly, or fill it out yourself, including the following information:

• company name and postal address;
• number and date of drawing up the insurance contract;
• Full name, passport details of the applicant;
• address of actual residence and registration;
• phone number;
• the requirement to terminate the agreement with a specific date;
• an indication of the need to return the amount of the premium;
• signature, full name the insured and the date of the application.

Sample sample application for termination of a life insurance contract:

In addition to the above information, it must indicate where the funds should be paid: the bank account number for transfers and the details of the bank itself.

Copies of two documents are attached to the application - a passport and an insurance contract. Upon receipt, the employee makes service marks: assigns an incoming number, indicates his position and full name, signs. Consideration of the issue takes two weeks.

Is it possible to cancel the insurance contract if the deadline of 5 days is missed?

If the 5-day "cooling off" period has been missed, you can cancel the insurance only if it is provided for by the terms of the policy.

Insurance organizations - partners of Renaissance-Credit Bank do not return the paid insurance if the client applied for the cancellation of the contract after 5 days (working days are considered).

Option 2: return of insurance in case of early closing of a bank loan

Borrowers can return the money paid for insurance if the loan is repaid ahead of time, if it is stipulated by the contract.

To terminate a life insurance contract, you need to visit the insurer and provide documents immediately after the loan agreement is closed:

• passport, copy of the insurance contract;
• a certificate from the bank on the closing of the credit debt;
• application for compensation of part of the insurance premium, drawn up in the name of the director of the company.

Renaissance Life insurance rules provide for the return of part of the loan insurance in case of early repayment of obligations. But it is unprofitable for the borrower to terminate the policy.

The Renaissance Life insurance contract contains a clause stating that 98% of the client's expenses for insurance consist of the insurer's administrative expenses. This allows the company to return only a tiny part of the premium received.

In such a situation, it is more profitable not to terminate the insurance contract. It will not be possible to get back the funds in any significant amount, and if the contract continues, then in the event of an insured event, for example, in case of loss of a job, the client will receive a refund.

The application for termination of the insurance contract of IC Renaissance Life LLC must contain all the necessary information, as in the sample.

At the bottom, the employee puts marks on receipt. You can download the application form for early termination of the insurance contract here.

If the insurance was issued in IC "Consent-Vita", the client may unilaterally terminate the insurance contract, but the company will not return the previously paid amount of the insurance premium.

The policy conditions of "Consent-Vita" do not contain a clause on the return of part of the insurance when repaying a loan from a bank before the deadline.

But if you still need to close the policy ahead of schedule, you can download the application form for termination of the insurance contract of IC "Consent-Vita" LLC at the link. Or go directly to the branch of the insurer and fill out the document on the spot.

What data will be needed:

• Full name, series and number of the passport, address of residence of the applicant;
• amount to be returned;
• Bank details.

At the end of the document is the date of completion and signature. Copies of the policy and passport are attached to it.

Option 3: is it possible to return the insurance if the loan is closed on time

In a situation where credit obligations are closed according to the schedule and no early payments were made, the term of the insurance policy, as a rule, also expired. In this case, the service is considered rendered and the funds spent cannot be returned.

Returning insurance after repayment of the loan, when the insurance contract is also completed, is possible only in court and only if the client proves that the service was imposed.

Judicial practice on this issue is different. However, according to the latest agreements, it is more often not in favor of the client, since the bank basically formally complies with all the requirements of the law.

How to return the insurance included in the loan: features

If insurance is paid for by a loan, then in case of cancellation of the insurance contract, all funds for it are transferred to reduce the amount of debt. It will not be possible to receive a refund in cash or to another account if the obligations are not closed in the bank.

In case of early repayment of a bank loan, the insurance premium is returned in accordance with the policy conditions without any special features.

What to do if there are problems with the return?

If, upon obtaining a loan, insurance was “sucked in”, and before the expiration of 5 days the client decided to return the money, the insurance company is obliged to fulfill his request. To avoid problems, you must make a copy of the application in advance, which will indicate the date of application and acceptance. Subsequently, it may be useful for drawing up a letter of claim or statement of claim.

There are three organizations that you can contact to solve the problem:

• The main office of the bank (free phone hotline 8-800-200-0-981) or insurance company where the claim is sent.
• District court.
• territorial branch of the Central Bank.

If there are no reasons for refusal in payments, the complaint will be satisfied, and the borrower will be able to receive money to the bank account specified in the application.

Most often, problems arise when returning insurance at the end of the “cooling off” period. According to reviews, most customers are denied compensation for two reasons:

• Payments after a week from the moment the loan was issued are not provided for by policy conditions.
• Clients provide an incomplete package of documents, and the procedure is delayed.

Usually, in the absence of grounds for refusal, the required amount is transferred within 8–10 days. If this does not happen, you should go to court, and if the claim is satisfied, not only the main money is transferred to the client’s account, but also a penalty for each day of delay in payments from the company