"LIMITED LIABILITY COMPANY" INSURANCE COMPANY "SIV LIFE" RULES OF LIFE, HEALTH AND ABILITY INSURANCE for insurance programs: "City Accumulative..."
LIMITED LIABILITY COMPANY
"INSURANCE COMPANY" CIV LIFE "
LIFE INSURANCE RULES,
HEALTH AND WORKABILITY
for insurance programs:
"City Savings program"Comfort",
"City Cumulative Program Comfort +",
"City Savings Program "Children",
"City Savings Program "Children+",
"City Savings Program "Premium"
GENERAL PROVISIONS
Society with limited liability"Insurance company "SiV Life", acting on the basis of the Charter and in accordance with the law Russian Federation(hereinafter referred to as the Insurer), concludes life, health and disability insurance contracts on the basis of these Rules for life, health and disability insurance (hereinafter referred to as the Rules).1. SUBJECTS OF INSURANCE
1.1. In accordance with these Rules, the Insurer concludes Life, health and disability insurance contracts (hereinafter referred to as the Insurance Contracts) with legal entities of any organizational and legal forms, as well as with capable individuals (hereinafter referred to as the Policyholders).
1.2. Insurance contracts can be concluded by the Policyholders in favor of individuals (Insured) aged 18 to 70 years old as of the date of conclusion of the Insurance Contract, with the exception of the City Accumulative Program "Children+", "City Accumulative Program "Children" insurance programs, where the age of the Insured must be from 18 to 99 years and from 18 to 60 years, respectively.
The Insurer has the right not to conclude an Insurance Contract in respect of persons suffering from oncological diseases, AIDS and other diseases associated with the human immunodeficiency virus, diseases caused by exposure to radiation, as well as persons subject to mental disorders, registered in a psycho-neurological and / or narcological dispensary.
If the Policyholder - an individual has concluded the Insurance Contract in relation to his property interests related to his life and health, then he is simultaneously the Insured.
1.3. When concluding insurance contracts, the Policyholders (Insured) have the right to appoint individuals or legal entities (the Beneficiaries) to receive the insurance payment established in the event of the death of the Insured, as well as to replace the Beneficiaries at their discretion until the insured event in accordance with the current legislation of the Russian Federation.
2. OBJECT OF INSURANCE The object of insurance is property interests associated with the death of the Insured, his survival to a certain date, as well as damage to his life and health.
3. INSURANCE RISKS. INSURED EVENT
3.1. An insured risk is a prospective event that has signs of probability and chance, in the event of which occurrence insurance is carried out.
3.2. Insured events are events that have occurred, stipulated by the Treaty insurance, upon the occurrence of which the obligation of the Insurer arises to insurance payment To the Insured or the Beneficiary.
3.3. According to these Rules, the following events that occurred during the period of validity are recognized as insurance risks
Insurance contracts:
3.3.1. Survival of the Insured until the end of the insurance period.
3.3.2. Death of the Insured in the following cases:
3.3.2.1. Death of the Insured for any reason.
3.3.2.2. Death of the Insured due to natural causes.
3.3.3. Death of the Insured for any reason (with deferred insurance payment).
3.3.4. Permanent complete disability of the Insured for any reason/Disability (with exemption from payment of insurance premiums).
3.3.5. Permanent total disability as a result of an accident/Disability.
Note: in relation to children's insurance, the insured event is referred to as "Disability".
3.3.6. Death of the Insured as a result of an accident.
3.3.7. Primary diagnosis of deadly diseases in the Insured.
3.3.8. Permanent total disability of the Insured as a result of an accident/Disability (with exemption from payment of insurance premiums).
3.4. The insurance contract may include the following combinations of the main insurance risks (clauses of the Rules):
a) 3.3.1, 3.3.2.1, 3.3.4 (for the City Accumulative Premium Insurance Program);
b) 3.3.1, 3.3.3, 3.3.4 (for the City Accumulative Program "Children" insurance program);
c) 3.3.1, 3.3.2.2, 3.3.5, 3.3.6, 3.3.8 (for the City Accumulative Comfort insurance program).
d) 3.3.1, 3.3.3, (for the City Accumulative Program "Children+" insurance program).
e) 3.3.1, 3.3.2.1 (for the City Accumulative Program Comfort+ insurance program).
3.4.1. Insurance risks specified in p.p. 3.3.2.2, 3.3.5, 3.3.6, 3.3.7 and 3.3.8 of these Rules, upon agreement with the Insurer, may be additional risks for the insurance programs specified in subparagraphs "a", "b", "c" of clause.
3.4 of these Rules (hereinafter referred to as Additional Risks), while these risks may be included as Additional Risks in the Insurance Contract when it is concluded under the programs: "a", "b", "c" of clause 3.4 of these Rules.
3.4.2. Insurance of the risks specified in clause 3.3 of these Rules is carried out on the condition that the age of the Insured at the time of conclusion of the Insurance Contract exceeds 18 years, and his state of health satisfies the insurance criteria of the Insurer.
3.5. The main concepts used in these Rules in determining the insured events specified in paragraph 3.3 of these Rules:
3.5.1. An accident is understood as an actual, sudden, unforeseen, instantaneous, external event in relation to the Insured, resulting in death, traumatic injury or other health disorder of the Insured.
3.6. Permanent complete disability means the inability of the Insured to any paid work, which will last until the end of the life of the Insured, provided that this disability occurred within 180 (one hundred and eighty) days from the day the insured event occurred.
Permanent complete disability as a result of an accident is understood as the inability of the Insured to any paid work, which occurred as a result of an accident, which will last until the end of the life of the Insured, subject to the establishment of disability of the 1st group with the establishment of the 3rd degree of limitation of the ability to work in accordance with the order of the Ministry of Health of the Russian Federation No. 1013n dated December 23, 2009.
3.6.1. The events provided for in paragraphs. 3.3.4, 3.3.5, 3.3.8 of these Rules are recognized as insured events on the basis of the conclusion of the medical and social examination bureau on the establishment of disability and subsequent written confirmation of the results of the above conclusion by the Insurer's expert doctor, which guarantees the compliance of the Insured's health condition with the criteria specified in clause 3.6.
3.6.2. Death from natural causes means death that occurred for reasons other than an accident, and if this event is not specified in clause 3.7 of these Rules.
3.6.3. Primary diagnosis of deadly diseases in the Insured is understood as the following events:
3.6.3.1. Oncological diseases - the presence of one or more malignant tumors, including leukemia (except for chronic lymphocytic leukemia), lymphomas, Hodgkin's disease, characterized by uncontrolled growth, metastasis and invasion into healthy tissues. The diagnosis must be confirmed by a qualified physician (oncologist) based on histological examination. Exceptions: tumors with malignant changes in in situ carcinomas (including cervical dysplasia stages 1, 2, 3) or histologically described as adnexa; melanoma, maximum thickness which, according to the histological conclusion, is less than 1.5 mm, or which does not exceed the level of development of T3N (0) M (0) according to the TNM classification; any other tumor that has not penetrated into the papillary-reticular layer; all hyperkeratoses or basal cell carcinomas of the skin; all epithelial cell skin cancers in the absence of germination in other organs; Kaposi's sarcoma and other tumors associated with HIV infection or AIDS; prostate cancer stage T1 (including T1a, T1b) according to the TNM classification.
3.6.3.2. Myocardial infarction is an acute necrosis of a part of the heart muscle due to absolute or relative insufficiency of coronary blood flow. The diagnosis must be justified by the presence of all three symptoms: a prolonged attack of characteristic chest pain, new typical ECG changes, for example, changes in the ST segment or T wave with characteristic dynamics, the formation of an abnormal, persistent Q wave, a typical increase in the activity of cardiospecific blood enzymes. The diagnosis and examination data must be confirmed by a qualified doctor (cardiologist).
3.6.3.3. Coronary artery disease is stenosis or occlusion of the coronary arteries requiring direct cardiac surgery. Exceptions: balloon angioplasty (dilatation) of the coronary arteries, the use of a laser, other non-surgical procedures. The diagnosis must be confirmed by a qualified physician (cardiac surgeon).
3.6.3.4. Stroke is an acute disorder of cerebral circulation, characterized by persistent neurological disorders resulting from cerebral infarction or embolism of extracranial vessels that persist for more than 24 hours. The presence of permanent neurological disorders must be confirmed by a qualified doctor (neurologist) at least 6 weeks after the onset of a stroke. Exceptions: cerebral disorders caused by migraine; cerebral disorders due to trauma or hypoxia; vascular diseases affecting the eye or optic nerve; transient disorders of cerebral circulation, lasting less than 24 hours; attacks of vertebrobasilar ischemia.
3.6.3.5. End-stage renal failure is the last stage of an irreversible chronic dysfunction of both kidneys, leading to an increase in blood creatinine up to 7-10 mg%, a violation of the excretion of nitrogen metabolism products, a violation of water-salt, osmotic, acid-base balance, arterial hypertension, which requires constant hemodialysis, peritoneal dialysis or transplantation of a donor kidney. The diagnosis must be confirmed by a qualified physician (nephrologist).
3.6.3.6. Transplantation of vital organs - transfer as a recipient of transplantation of the heart, lung, liver, kidney, pancreas (excluding transplantation of only the islets of Langerhans), bone marrow.
Exceptions: organ donation. The need for transplantation must be confirmed by a qualified physician. The terms of payments for the risk of "deadly diseases" are specified in Article 9 of these Rules.
3.7. Exceptions 3.7.1. The event provided for in p.p. is not recognized as an insured event. 3.3.2.1, 3.3.2.2 or 3.3.3 of these Rules resulting from:
a) suicide or attempted suicide during the first 2 (two) years of the validity of the Insurance Contract, unless the Insured was brought to such a state by illegal actions of third parties;
b) intentional actions of the Insured (the Insured, the Beneficiary) aimed at insured event;
c) participation of the Insured in popular unrest, strikes, violations of public order, terrorist acts on the side that initiated the above events;
d) commission by the Insured of actions recognized by the court as criminally punishable;
e) and/or due to HIV infection.
3.7.2. Unless otherwise provided by the Insurance Policy, the insured events specified in paragraphs. 3.3.4, 3.3.5 and 3.3.7 of these Rules, events occurring:
a) as a result of mental illness and disorders of the nervous system; an accident that occurred during and / or as a result of the Insured being in a state of alcoholic, narcotic or toxic intoxication;
diseases caused by the use of alcohol, drugs or drugs; epileptic seizures, convulsions. The conditions of this paragraph do not apply to the above cases caused by taking medications prescribed by the attending physician;
b) as a result of a health disorder caused by medical procedures, examinations or surgical operations, except for cases when the medical procedures, examinations and surgical operations were due to the consequences of an accident that occurred during the period of validity of the Insurance Contract;
c) as a result of a direct consequence of a physical violation or defect that the Insured had at the time of conclusion of the Insurance Contract;
d) as a result of a suicide attempt or deliberate infliction of bodily harm by the Insured, including those caused by mental disorders;
e) during participation in any speed competitions and in training (preparation for competitions), with the exception of athletics and swimming, as well as as a result of classes risk types sports and hobbies (for example: parachuting, mountain climbing, speleology, hang gliding, paragliding);
e) as a result professional activity associated with atomic energy, radiation, chemical production;
g) during the participation of the Insured in popular unrest, strikes, violations of public order, terrorist actions on the side that initiated the above events;
h) as a result of the Insured's actions recognized by the court as criminally punishable;
i) during the flight of the Insured on the aircraft, its control, including when the Insured passes military service, except when flying as a passenger on a civil aviation aircraft flown by a professional pilot;
j) as a result of driving the Insured source of increased danger, which is means of transport or other motor vehicles, devices, etc., in a state of intoxication and / or without the right to such control, as well as knowingly transferring control to a person who did not have the right to drive or was in a state of intoxication;
k) due to HIV infection;
l) as a result of an acute or chronic illness during the first year of validity of the Insurance Contract;
m) as a result of intentional actions of the Policyholder (the Insured, the Beneficiary) aimed at the occurrence of an insured event;
n) as a result of bodily injury, directly or indirectly caused by the provision to the Insured medical care, including the conduct of therapeutic, diagnostic, preventive measures and surgical interventions. This paragraph does not apply to cases where the need to provide medical care was due to bodily injuries received by the Insured as a result of events related to an accident in accordance with the terms of these Rules.
3.7.3. Unless otherwise provided by the Insurance Policy, in relation to the City Accumulative Program "Comfort" insurance program, the events specified in clauses 3.3.5, 3.3.6 and 3.3.8 of these Rules, the direct or indirect cause of which are:
a) alcohol intoxication or poisoning of the Insured, or toxic or narcotic intoxication and/or poisoning of the Insured as a result of the consumption of narcotic, potent and psychotropic substances without a doctor's prescription;
b) AIDS or HIV infection as defined by the World Health Organization;
c) management by the Insured of any vehicle without the right to drive or in a state of alcoholic or narcotic intoxication, or transfer of control by the Insured to a person who did not have the right to drive a vehicle, or who was in a state of alcoholic or narcotic intoxication;
d) the use of any drugs, medical preparations or means not prescribed by a doctor;
e) infectious infection of a bacterial nature, with the exception of infections that have occurred through an accidental cut or wound;
f) medical or surgical treatment, excluding treatment that is directly necessary for the treatment of bodily injuries recognized as an insured event in accordance with these Rules, and carried out during the validity of the Insurance Policy;
g) the following circumstances resulting from the accident:
during the participation of the Insured in any professional sports sports;
during the participation of the Insured in any competition where a motorized land, water or air vehicle was used;
during the flight of the Insured as a passenger in any aircraft that is not owned by the airline, is not properly registered and approved for use as a passenger transport on regular routes according to a published schedule;
during active service of the Insured in any armed forces of any state;
during training or use of the Insured as a pilot or passenger of a glider, hang glider, parachute, or if he participates in any air flight not as a passenger;
while the Insured is on board a sea, river or aircraft other than as a passenger.
h) bodily injury or death resulting from:
pregnancy of the Insured;
any methods of treatment of any nervous or mental diseases, regardless of their classification, psychiatric disorders, depression or mental disorder (psychosis);
being in places of detention.
3.7.4. They are not recognized as insured events and the Insurer is released from fulfilling obligations under the City Cumulative Comfort program if:
events occurred as a result of war, intervention, hostilities of foreign troops, armed clashes, other similar or equated events (regardless of whether war was declared); civil war, rebellion, putsch, other civil unrest, involving the development into a civil or military uprising, riot, armed or other illegal seizure of power, as well as any other similar event related to the use and / or storage of weapons and ammunition, the events occurred as a result of any damage to health caused by radiation exposure or as a result of the use of nuclear energy.
3.7.5. Unless otherwise provided by the Insurance Policy, these Rules do not recognize the insurance risks listed in paragraphs. 3.3.2–3.3.8 of these Rules that occurred as a result of the commission or attempt by the Policyholder, the Insured, the Beneficiary of a criminal offense that is in direct causal connection with the occurrence of an insured event.
4. SUM INSURED
4.1. The sum insured is determined by the Insurance Contract sum of money, based on which the amount of the Insurer's obligations under the concluded Insurance Contract is determined. The sum insured is determined by agreement between the Insurer and the Insured.
4.2. Sum insured may be set separately for each of the risks listed in clause 3.3 of these Rules, which is determined by the terms of the Insurance Policy.
4.3. The sum insured may be set separately for each period of insurance, which is determined by the terms and conditions of the Insurance Contract.
5. INSURANCE PREMIUM AND INSURANCE PREMIUM
5.1. The insurance premium is the payment for insurance, which the Policyholder is obliged to pay to the Insurer in the manner and within the time limits established by the Insurance Contract.
5.2. The insurance premium under the Insurance Contract is determined on the basis of the sum insured and insurance rates, which are differentiated according to the age and sex of the Insured, as well as the term of insurance.
5.2.1. When calculating the insurance premium, the Insurer has the right to take into account the state of health of the Insured, as well as other significant factors that affect the likelihood of an insured event. Significant factors are the circumstances specified in the Insurance Policy, the application for insurance, as well as the written request of the Insurer, which are integral part Insurance contracts.
5.2.2. Insurance tariff - the rate of insurance premium per unit of the sum insured, taking into account the object of insurance and the nature insurance risk. Size insurance rate established in the terms and conditions of the Insurance Contract.
5.3. The insurance premium may be paid in a lump sum or in installments (in the form of insurance premiums) in cash to a credit institution authorized by the Insurer or by non-cash transfer to the Insurer's settlement account, which is determined by the terms of the Insurance Policy.
5.3.1. The insurance premium paid in a lump sum, or the first insurance premium in case of payment of the insurance premium in installments, is paid upon non-cash form payment by transfer to the settlement account of the Insurer within five days from the date of signing the Insurance Contract, unless another period is provided by the Insurance Contract.
In the non-cash form of payment, the fact of payment of the insurance premium (insurance fee) must be confirmed by payment documents.
5.3.2. In case of payment of the insurance premium in installments, the terms and frequency of making insurance premiums (schedule for payment of insurance premiums), the use of increasing coefficients are stipulated in the Insurance Policy. Insurance premiums may be paid once a month, once a quarter, once every six months, once a year or in any other manner specified in the Insurance Policy. In the event that insurance premiums are paid less than once a year, an increasing coefficient may be applied to the insurance premium.
5.4. In relation to these Rules and the terms of the Insurance Agreement, insurance premiums are allocated for the risks of clauses.
3.3.1–3.3.8 of these Rules and insurance premiums for Additional risks p.p. 3.3.2.2, 3.3.5, 3.3.6, 3.3.7 and 3.3.8 of these Rules.
5.5. Payment of annual insurance premiums ahead of schedule.
5.5.1. With the annual payment of insurance premiums for risks in accordance with paragraphs. 3.3.1–3.3.5 of these Rules, the Policyholder has the right to pay insurance premiums ahead of schedule (at a time for several years) at any time during the term of the Insurance Contract.
5.5.2. To pay insurance premiums for risks in accordance with paragraphs. 3.3.1–3.3.4 of these Rules ahead of schedule, the Policyholder sends an application to the Insurer indicating the number of years for which he plans to pay insurance premiums.
Accordingly, the Insurer calculates the amount of the insurance premium payable for the specified number of years and informs the Policyholder of the results.
5.6. Grace period.
5.6.1. If the Policyholder has not paid the next insurance premium on time, then a grace period begins, during which the Insurance Contract remains in force. In case of annual payment of insurance premiums, the grace period is 61 (sixty-one) days, starting from the date following the date of payment of the next insurance premium specified in the Insurance Policy; with monthly, quarterly and payment of insurance premiums once every six months, the grace period is 30 (thirty) days.
5.6.2. The insured must, before the expiration grace period, without additional notice from the Insurer, pay the insurance premium to keep the Insurance Contract in force.
5.6.3. If the debt to pay the next insurance premium is not liquidated by the end of the grace period, then the validity of the Insurance Agreement is terminated in accordance with paragraphs. 7.8.4 of these Rules.
5.6.4. In the event of termination of the Insurance Contract during the grace period, the Policyholder shall be paid the redemption amount determined in accordance with clause 8.4 of these Rules.
5.6.5. In the event of an insured event during the grace period, the amount of insurance payment determined in accordance with the terms of the Insurance Policy and Article 9 of these Rules is reduced by the amount of the outstanding debt for the payment of the next insurance premium.
5.7. Indexation clause (annual increase in insurance premium) 5.7.1. If the terms of the Insurance Contract provide for annual indexation of insurance premiums with a subsequent change in the sums insured, then the Insurer, during the validity of the Insurance Contract, performs annual indexation of the sum insured and the insurance premium on the terms of the Insurance Contract and in the manner set forth in these Rules. At the same time, the Insurer, two months before the end of the current year of validity of the Insurance Contract, sends an information letter to the Policyholder and additional agreement, where it indicates the size of the insurance premium and the sum insured changed taking into account indexation.
5.7.2. The main purpose of indexation is to protect the insurance payment from inflation and changes in the exchange rate.
5.7.3. Indexation is carried out annually after the expiration of each year of the Insurance Contract.
5.7.4. An increase in the amount of the insurance premium due to indexation entails an increase in the amount of the sum insured.
5.7.5. The Insurer reserves the right to terminate the indexation of one or all Insurance Contracts belonging to one insurance program or reduce the indexation amount by sending a written notice and additional agreement to the Policyholder two months before the end of the current year of the Insurance Contract.
5.7.6. The right to indexation, the right to refuse and change the amount of indexation:
5.7.6.1. The Policyholder has the right to refuse indexation of insurance premiums for the next year of the Insurance Contract and pay the next insurance premium excluding indexation, about which he is obliged to inform the Insurer in writing, and the specified message must be received by the Insurer before the end of the current year of the Insurance Contract.
Subject to the above conditions, the Policyholder shall pay the next insurance premium equal to the premium paid in the previous year of the Insurance Contract in accordance with the terms of the Insurance Contract.
The sum insured for the next year of the Insurance Contract will be equal to the sum insured for the previous year of the Insurance Contract.
5.7.6.2. If the Policyholder before the expiration next year did not notify the Insurer of the validity of the Insurance Contract by written notification of his desire to refuse indexation, then the Policyholder is considered to have confirmed indexation, the insurance premium is payable subject to indexation; if the Insured fails to pay the insurance premium, taking into account indexation, the difference between the insurance premium paid by the Insured for the next year and the insurance premium calculated taking into account indexation, will be considered in this case by the Insurer as the Policyholder's debt to pay the insurance premium.
5.7.6.3. In the event that the Insured refused two consecutively proposed in the order of paragraphs. 5.7.1 by the Insurer of annual indexations, then in the future the Insurer shall not apply indexation to the Insurance Contract of this Policyholder, while the Policyholder shall pay regular insurance premiums in the amount in which they were established when paying the last insurance premium. The right to indexation may be granted to the Policyholder with the consent of the Insurer, subject to an additional medical examination of the health status of the Insured and / or analysis financial opportunities Insured.
5.7.6.4. The Policyholder, with the consent of the Insurer, by signing an additional agreement, has the right to change the amount of indexation, about which he is obliged to inform the Insurer, and the specified notification must be received by the Insurer before the end of the current year of the Insurance Contract.
5.7.7. If an insured event occurs during the grace period before the payment of the insurance premium by the Insured, taking into account indexation, the Insurer will make an insurance payment based on the amount of the insurance premium that was established in the previous year of the Insurance Contract.
6. TERM OF INSURANCE
6.1. The term of insurance under the Insurance Contract shall be at least 5 (five) years and not more than 30 (thirty) years. The validity period of the Insurance Agreement is established by agreement of the parties and is indicated in the Insurance Agreement.
6.2. Unless otherwise provided in the Insurance Contract, the Insurer's obligations under the Insurance Contract come into effect from the date specified in the Insurance Contract, but not earlier than the date of payment of the insurance premium or the first insurance premium.
6.3. Unless otherwise provided in the Insurance Policy, the Insurer's obligations under the Insurance Policy insofar as it relates to the Additional Risks shall come into effect only upon payment of the insurance premium for both the Additional Risks and the Main Risks for the relevant insurance period in the amount and within the terms stipulated by the Insurance Policy.
6.4. The validity of the Insurance Contract is terminated in the cases provided for in clause 7.8 of these Rules.
7. INSURANCE CONTRACT
7.1. The insurance contract is an agreement between the Policyholder and the Insurer, by virtue of which the Insurer, upon the occurrence of an insured event, undertakes to make an insurance payment to the Insured (the Beneficiary), and the Policyholder undertakes to pay insurance premium V deadlines and in the amount determined by the Insurance Contract.
7.2. The insurance contract may contain provisions other than those in these Rules, determined by agreement of the parties and not contradicting the legislation of the Russian Federation.
7.3. In order to conclude the Insurance Contract, the Policyholder shall submit to the Insurer a written application on prescribed form about your desire to conclude an insurance contract. In case of collective insurance, a list of the Insured is attached to the application.
7.4. When concluding the Insurance Contract, the Insurer has the right to take into account the state of health of the Insured, as well as other significant factors that affect the likelihood of an insured event. Significant factors are the circumstances specified in the application for insurance, as well as in the Questionnaire of the Insured, which are an integral part of the Insurance Policy.
When concluding the Insurance Contract, the Insurer has the right to require the Insured to undergo a medical examination at the expense of the Insurer at a medical facility specified by the Insurer.
7.5. To conclude an insurance contract:
7.5.1. Policyholders – legal entities shall submit to the Insurer the documents allowing to establish the following information:
- name, company name in Russian (full and (or) abbreviated) and (or) in foreign languages (full and (or) abbreviated) (if any);
organizational and legal form;
taxpayer identification number or code foreign organization(hereinafter - KIO);
state registration number(OGRN/KIO);
date and place state registration;
the name of the registering authority;
address (location);
additional information(documents) provided by the insured-legal entity:
information about the bodies of a legal entity (the structure and composition of the management bodies of a legal entity, with the exception of information about the personal composition of shareholders (members) of a legal entity owning less than one percent of the shares (stakes) of a legal entity).
telephone and fax numbers (if available).
other contact information (if available).
7.5.2. Insurers - individual entrepreneurs provide the Insurer with documents allowing to establish the following information:
citizenship;
Date and place of birth;
position of the Insured (Insured, Beneficiary), who is a foreign public official, an official of public international organizations, as well as the person replacing (occupying) The specified information is provided by the Insured also in relation to persons who are representatives of the Insured, beneficiaries (persons whose liability is insured, Clients) under the Insurance Policy and / or beneficial owners.
Data from the certificate of state registration of a Russian legal entity; For foreign persons- data contained in the documents on state registration of the state of establishment and / or in the certificate of registration for tax accounting In Russian federation.
public positions of the Russian Federation, positions of members of the Board of Directors of the Central Bank of the Russian Federation, positions of federal public service, appointment to and dismissal from which are carried out by the President of the Russian Federation or the Government of the Russian Federation, positions in central bank Russian Federation, public corporations and other organizations created by the Russian Federation on the basis of federal laws, included in the lists of positions determined by the President of the Russian Federation;
degree of relationship or status (husband or spouse) of the Policyholder (Insured, Beneficiary) in relation to the person specified in paragraph above;
state registration number of IP (data from OGRNIP);
date and place of state registration of IP (data from OGRNIP);
name of the registering authority (data from OGRNIP);
information about the purpose of establishing and the intended nature of business relations with the Insurer, information about the goals of financial and economic activities (information about planned operations).
information (documents) about financial position(copies of annual financial statements (balance sheet, Report on financial result), and (or) copies of the annual (or quarterly) tax return with marks of the tax authority on their acceptance or without such a mark, with either a copy of the receipt for sending a registered letter with a list of attachments (when sent by mail), or a copy of the confirmation of sending on paper (when transferred to in electronic format); and (or) a copy of the auditor's report on the annual report for last year, which confirms the reliability of financial (accounting) statements and compliance with the procedure for maintaining accounting the legislation of the Russian Federation; and (or) certificate of execution by the taxpayer (payer of fees, tax agent) obligation to pay taxes, fees, penalties, fines issued by tax authority; and (or) information on the absence of insolvency (bankruptcy) proceedings against the legal entity, decisions of the judicial authorities that have entered into force on declaring it insolvent (bankrupt), liquidation procedures as of the date of submission of documents to a non-credit financial institution; and (or) information on the absence of facts of non-fulfillment by the legal entity of its monetary obligations due to absence Money on bank accounts; and (or) data on the rating of a legal entity posted on the Internet on the websites of international rating agencies("Standard & Poor"s", "Fitch-Ratings", "Moody"s Investors Service" and others) and national rating agencies).
information about business reputation (reviews (in any written form, if possible)), about the legal entity of other clients of this Policyholder who have business relations with him; and (or) feedback (in any written form, if possible) from credit institutions and (or) non-credit financial institutions in which the legal entity is (was) serviced, with information from these credit institutions and (or) non-credit financial institutions on the assessment of the business reputation of this legal entity).
7.5.3. Policyholders - individuals present to the Insurer the documents allowing to establish the following information:
surname, name, and also patronymic (unless otherwise follows from the law or national custom);
citizenship;
Date and place of birth;
details of the identity document: series (if any) and document number, date of issue of the document, name of the authority that issued the document, and subdivision code (if any);
data migration card(card number, start date of stay and end date of stay in the Russian Federation);
data of a document confirming the right of a foreign citizen or stateless person to stay (residence) in the Russian Federation: series (if any) and document number, start date of the right to stay (residence), expiration date of the right to stay (residence), if the availability of these data is provided for by the legislation of the Russian Federation;
address of the place of residence (registration) or place of stay;
taxpayer identification number (if any);
telephone and fax numbers (if any);
other contact information (if available);
the position of the Insured (the Beneficiary) who is a foreign public official, an official of public international organizations, as well as a person replacing (occupying) public positions of the Russian Federation, positions of members of the Board of Directors of the Central Bank of the Russian Federation, positions of the federal public service, appointment and dismissal of which are carried out by the President of the Russian Federation or the Government of the Russian Federation, positions in the Central Bank of the Russian Federation, state corporations and other organizations created by the Russian Federation on the basis of federal laws, included in the the number of positions determined by the President of the Russian Federation;
degree of relationship or status (husband or wife) of the Policyholder in relation to the person specified in paragraph above;
the name and details of the document confirming that the person has the authority of the representative of the insured.
Insurers-individuals also provide the Insurer for the conclusion of the Insurance Contract:
documents related to the work activity of the Insured;
official documents confirming the income of the Insured from his own professional activity;
medical documents related to the state of health of the Insured;
licenses and qualification documents confirming that the Insured is engaged in risky sports/driving vehicles;
additional Questionnaires completed by the Insured according to the form of the Insurer.
An application filled in by the Insured for entering additional information according to the Insurer's form The Insurer has the right to shorten the above list.
7.6. The fact of conclusion of the Insurance Contract is certified by the Insurance Certificate.
7.7. If the Insured has indicated incomplete or inaccurate information in the application for insurance and additions to it, or if the Insured is required to undergo a medical examination, the Insurer may postpone the execution of the Insurance Contract until additional and/or updated information or results of the medical examination are received from the Insured / medical institution. The Insurer sends a written notice to the Insured about the need to provide additional and/or updated information or to undergo a medical examination by the Insured within 10 (ten) business days from the date of receipt of the insurance premium or the first insurance premium under the Insurance Policy.
7.8. The Insurance Contract is terminated in the event of:
7.8.1. Survival of the Insured until the end of the insurance period and fulfillment by the Insurer of its obligations in full in accordance with clauses. 9.1.1 of these Rules;
7.8.2. Death of the Insured and fulfillment by the Insurer in full of its obligations under the Insurance Policy in accordance with paragraphs. 9.1.2.1, 9.1.2.2, 9.1.3 of these Rules;
7.8.3. Termination of the Insurance Contract from the date specified by the Policyholder in the application. At the same time, the original Insurance Certificate must be returned to the Insurer;
7.8.4. Non-payment by the Policyholder of the insurance premium (insurance fee) in the amount and within the time limits stipulated by the Insurance Policy;
7.8.5. Death of the Insured - an individual who has entered into a Third Party Insurance Contract, if the Insured or another person in accordance with applicable law has not assumed the obligations of the Insured under the Insurance Contract, provided for in clause 10.2 of these Rules;
7.8.6. Liquidation, reorganization of the Policyholder - a legal entity in accordance with the procedure established by the current legislation, if the Insured or other person in accordance with the current legislation has not assumed the obligations of the Policyholder under the Insurance Policy, provided for in clause 10.2 of these Rules;
7.8.7. In other cases, provided by law Russian Federation.
7.9. The insurance contract may also contain other conditions determined by agreement of the parties and not contradicting the legislation of the Russian Federation.
7.10. Return to the Insured to an individual of the paid insurance premium (insurance premiums) is possible in case of withdrawal of the Policyholder-individual from the Insurance Contract within the first thirty calendar days from the date of signing the Insurance Contract, regardless of the moment of payment of the insurance premium (insurance premiums), in the absence of events in this period that have signs of an insured event, in the manner prescribed by these Rules.
The Insurer has the right to provide in the Insurance Contract for more than long term for the return of the insurance premium than the period for the return of the insurance premium set in paragraph 7.10 above.
If the Policyholder-individual has canceled the Insurance Policy within the first thirty calendar days from the date of signing the Insurance Policy, and before the date of commencement of insurance, then in the absence of events in this period that have signs of an insured event, the paid insurance premium (insurance premiums) shall be refunded to the Policyholder-individual in full.
If the Insured individual has canceled the Insurance Contract within the first thirty calendar days from the date of signing the Insurance Contract, but after the date of commencement of the insurance, the Insurer, when returning the paid insurance premium (insurance premiums) to the Insured individual, has the right to withhold part of it in proportion to the validity period of the Insurance Contract that has elapsed from the date of commencement of the insurance to the date of termination of the Insurance Contract. At the same time, the Insurer, when returning the paid insurance premium (insurance premiums) to the Insurant-individual, does not withhold its part in proportion to the validity period of the Insurance Contract, which has elapsed from the date of commencement of insurance to the date of termination of the Insurance Contract, if the Insurant-individual has canceled the Insurance Contract within the first thirty calendar days from the date of signing the Insurance Contract, but after the date of commencement of insurance.
In case of early refusal of the Policyholder-individual from the Insurance Contract after the first thirty calendar days from the date of signing the Insurance Contract, the redemption amount provided for in Section 8 of these Rules is paid. The insurance premium (insurance premiums) paid to the Insurer is non-refundable, unless otherwise provided by the Insurance Contract.
If the insurance premium is returned in accordance with this paragraph, additional investment income is not paid.
7.11. If the Insurant-individual refuses from the Insurance Contract, the Insurance Contract is considered to be terminated from the date of receipt by the Insurer of the written application of the Insurant-individual about the cancellation of the Insurance Contract (application for termination of the Insurance Contract) or other date established by agreement of the Parties, but no later than the period determined in accordance with clause 7.10. of these Insurance Rules.
7.12. In case of returning to the insurer-physical premium (part of the insurance premium), if the insurer-physicist refusal from the insurance contract, the return of the insurance premium (part of the insurance premium) is made at the choice of the Physical Personal Personal Personal Manner or, within a period of 10 (ten) business days from the date of receipt of the writer's written statement of the Physical and Physical Refusal of the insurance contract (application for termination of the insurance contract). The return of the insurance premium (part of the insurance premium) in cash is carried out by applying to the credit organization authorized by the Insurer.
8. REQUEST AMOUNT
8.1. Redemption amount is the amount paid by the Insurer in case of early termination of the Insurance Contract for the reasons specified in clauses. 7.8.3, 7.8.4, 7.8.5, 7.8.6 of these Rules, or in the event of the death of the Insured for the reasons specified in paragraph 3.7 of the Rules, as well as in other cases expressly provided for in these Rules.
8.2. The procedure for determining and paying the redemption amount.
8.2.1. The amount of the redemption amount is determined by the Insurer within the limits formed in in due course insurance reserve on the date of termination of the Insurance Contract and is indicated in the Insurance Certificate.
8.2.2. For Insurance Contracts with a one-time payment of the insurance premium, the payment of the redemption amount is made in the event of early termination of the contract, starting from the first year of the Insurance Contract.
8.2.3. For insurance contracts with insurance premium payment regular contributions concluded for a period of 6 (six) years or more, the payment of the redemption amount is made in case of early termination of the contract, starting from the third year of the Insurance Contract.
8.2.4. For Insurance Contracts with the payment of an insurance premium in regular installments, concluded for a period of 5 (five) years, the payment of the redemption amount is made in case of early termination of the contract starting from the second year of the Insurance Contract.
8.2.5. Simultaneously with the payment of the redemption amount, the amount additional income, which was determined by the Insurer in accordance with clause 8.5 of these Rules as of the date of early termination of the Insurance Policy or the decision to pay the redemption amount due to the death of the Insured for the reasons specified in clause 8.3 of these Rules.
8.3. The redemption amount is paid:
8.3.1. To the policyholder or on his behalf to any other capable natural person or legal entity.
8.3.2. To the Beneficiary - in the event of the death of the Insured for the reasons listed in clauses. 3.7.1 of these Rules.
8.4. The procedure for determining the redemption amount taken into account when calculating the redemption amount payable (clause 8.2 of these Rules):
8.4.1. When the insurance premium is paid annually, the redemption amount is taken into account in the amount specified in the Insurance Contract for Last year the validity of the Insurance Contract for which the insurance premium was paid.
8.4.2. When paying the insurance premium in installments (quarterly, once every six months) during the insurance year, the guaranteed redemption amount is taken into account in the amount of the difference between the guaranteed redemption amount specified in the Insurance Contract for the year of insurance in which the last installment was paid and the insurance premiums not paid in the year of insurance in which the last installment was paid.
8.4.3. When paying the insurance premium in a lump sum at the conclusion of the Insurance Contract, the redemption amount is taken into account in the amount specified in the Insurance Contract for this year insurance.
8.5. Additional redemption amount (Investment income).
8.5.1. The insurer at the end calendar year may announce an additional rate of return and determine the appropriate amount of the additional redemption amount under the current Insurance Policy, which includes the risk of survival (clause 3.3.1 of these Rules).
8.5.2. The additional redemption amount under the Insurance Policy is determined on the basis of the additional rate of return announced by the Insurer and is calculated based on:
the amount of the insurance reserve at the end of the calendar year (December 31) preceding the year for which the additional rate of return was declared; or the amount of the insurance (mathematical) reserve at the beginning of the Insurance Contract for contracts with a lump-sum payment in the case of the first calculation of the additional redemption amount. (The insurance reserve is calculated on the basis of the order of the Ministry of Finance No. 32n dated April 9, 2009 based on the difference between actuarial value insurance payments for upcoming insured events and the actuarial value of future receipts of the reserved net premium, taking into account cilmerization) of the amount of the additional redemption amount at the end of the calendar year (December 31) preceding the year for which the additional rate of return was announced.
8.5.3. The calculation of the additional redemption amount under the Insurance Contracts with a lump-sum payment of the insurance premium is made starting from the first year of insurance, provided that the Insurance Contract was valid for at least 91 (ninety one) days during the year for which the additional rate of return is declared; under insurance contracts with payment of insurance premium in installments, provided that the insurance contract is valid for at least 3 (three) full calendar years, the last of which is the year in which the additional rate of return is announced.
8.5.4. Calculation of the additional redemption amount for existing Treaties insurance for which the payment of insurance premiums for the main risks has been terminated due to the occurrence of an insured event for the risk specified in clauses. 3.3.3, 3.3.4 and 3.3.8 of these Rules is made on the basis of:
the amount of the insurance reserve at the end of the calendar year (December 31) preceding the year for which the additional rate of return was announced, calculated in accordance with the assumption that the schedule for paying insurance premiums for the main risks remains unchanged;
the value of the additional redemption amount at the end of the calendar year (December 31) preceding the year for which the additional rate of return was announced.
the value of the annual guaranteed rate of return, which is 3% and on the basis of which the insurance and redemption amounts specified in the Insurance Contract were calculated.
8.5.5. The amount of the additional redemption amount as of the date of commencement of the term of the Insurance Contract is equal to zero.
8.5.6. The Insurer notifies the Policyholder of the additional rate of return and/or the amount of the additional redemption amount under the current Insurance Contracts.
If at the end of the calendar year the Insurer has not declared an additional rate of return, the Insured shall not be notified of the amount of the additional rate of return and/or additional redemption amount.
8.5.7. The amount of the additional redemption amount under the Insurance Contract as of the current date is determined as the additional redemption amount calculated by the Insurer in accordance with the latest announcement of the additional rate of return.
8.5.8. The amount of the additional redemption amount is not determined under the Insurance Contracts that terminated on the date of the announcement of the additional rate of return in accordance with paragraphs. 7.8.1, 7.8.2, 7.8.3 of these Rules.
9. PROCEDURE FOR IMPLEMENTATION OF INSURANCE PAYMENT
9.1. The amount of insurance payment upon the occurrence of an insured event is determined by:
9.1.1. For the risk “Survival of the Insured until the end of the insurance period” (clause 3.3.1 of these Rules) - in the amount of 100% of the sum insured established by this risk, plus an additional redemption amount determined in accordance with clause 8.5 of these Rules as of the expiration date of the Insurance Contract.
9.1.2.1. For the risk “Death of the Insured for any reason” (clause 3.3.2.1 of these Rules) - 100% of the sum insured established for this risk, plus an additional redemption amount determined in accordance with clause 8.5 of these Rules on the date of the insured event. For the insurance program "City Savings program "Comfort +"
the sum insured is considered equal to the sum of paid insurance premiums before the date of death of the Insured.
9.1.2.2. For the risk “Death of the Insured due to natural causes” (clause 3.3.2.2 of these Rules) - 100% of the sum insured established for this risk, plus an additional redemption amount determined in accordance with clause 8.5 of these Rules on the date of the insured event. For the "City Accumulative Program "Comfort" insurance program, the sum insured is considered equal to the amount of paid insurance premiums before the date of death of the Insured.
9.1.3. For the risk "Death of the Insured for any reason with deferred payment of insurance payment" (clause 3.3.3 of these Rules) - 100% of the sum insured established for this risk, plus an additional redemption amount determined in accordance with clause 8.5 of these Rules on the expiration date of the Insurance Contract. The insurance payment for this risk is made at the end of the term of the Insurance Contract in accordance with clause 9.3 of these Rules.
9.1.4. For the risk “Permanent complete disability of the Insured for any reason / Disability with exemption from payment of insurance premiums” (clause 3.3.4 of these Rules), the Policyholder is exempted from further payment of insurance premiums for the main risks in accordance with the terms of this clause of the Rules:
9.1.4.1. Exemption from the payment of insurance premiums for the main risks arises on the condition that the age of the Insured at the time of establishment of permanent complete disability / disability does not exceed 55 years for women and 60 years for men.
9.1.4.2. Exemption from the payment of contributions for the main risks occurs after 6 (six) months from the date of establishment of complete permanent disability / disability. If the Insurer is notified in writing of the establishment of complete permanent incapacity for work/disability later than 6 (six) months from the date of its establishment, then the exemption from payment of premiums comes from the first day of the month following the one in which the notification was received.
9.1.4.3. If the established full permanent disability/disability of the Insured requires a re-examination within the established time limits, the Insured (Insured) is obliged to inform the Insurer about the results of the re-examination and provide documents confirming the decision of the medical and social examination bureau within 1 (one) month following the month for which the re-examination was scheduled, by any accessible way allowing to objectively fix the fact of the message.
9.1.4.4. Exemption from payment of insurance premiums for the main risks becomes invalid:
9.1.5. For the risk “Permanent complete disability of the Insured as a result of an accident” (clause 3.3.5 of these Rules) - 100% of the sum insured established for this risk.
9.1.6. For the risk “Death of the Insured as a result of an accident” (clause 3.3.6 of these Rules) - 100% of the sum insured established for this risk, plus an additional redemption amount determined in accordance with clause
8.5 of these Rules as of the date of occurrence of the insured event.
9.1.7. For the risk “Primary diagnosis of diseases in the Insured” (clause 3.3.7 of these Rules) - 100% of the sum insured established for this risk according to the conditions specified in clause 3.3.7. 3.6.3 of these Rules. The Insurer will pay out, provided that the Insured remains alive for 30 (thirty) days after the diagnosis of diseases or the date of surgical operations for the conditions specified in clause 3.6.3 of the Rules. Diagnosis of diseases in the Insured or performing surgical operations for the conditions specified in clauses. 3.6.3 of these Rules, will be recognized as an insured event only if the first symptoms of diseases or conditions appear, and surgical operations were performed no earlier than 90 (ninety) days from the date of entry into force of the Insurance Contract, and the age of the Insured does not exceed 55 years.
If the symptoms of one or more diseases or conditions appear simultaneously or consecutively one or more times, the payment will be made only once. The Insurer has the right, at its own expense, to conduct a medical examination of the Insured during the period of consideration of the application for insurance payment. If the Insured refuses to undergo a medical examination, the Insurer may refuse to pay out under the Insurance Contract.
9.1.8. For the risk “Permanent complete disability of the Insured as a result of an accident / Disability (with exemption from payment of insurance premiums)” (clause 3.3.8 of these Rules), the Policyholder is exempted from further payment of insurance premiums for the main risks in accordance with the terms of this paragraph of the Rules:
9.1.8.1. Exemption from the payment of insurance premiums for the main risks arises on the condition that the age of the Insured at the time of establishment of permanent complete disability / disability does not exceed 55 years for women and 60 years for men.
9.1.8.2. Exemption from the payment of contributions for the main risks occurs after 6 (six) months from the date of establishment of complete permanent disability / disability. If the Insurer is notified in writing of the establishment of complete permanent incapacity for work/disability later than 6 (six) months from the date of its establishment, then the exemption from payment of premiums comes from the first day of the month following the one in which the notification was received.
9.1.8.3. If the established complete permanent disability/disability of the Insured requires a re-examination within the established time limits, the Insured (Insurant) is obliged to inform the Insurer about the results of the re-examination and provide documents confirming the decision of the Bureau of Medical and Social Expertise within 1 (one) month following the month for which the re-examination was scheduled, by any available method that allows to objectively record the fact of the report.
9.1.8.4. Exemption from payment of insurance premiums for the main risks becomes invalid:
a) if the full permanent disability of the Insured / disability of the 1st (non-working) group is removed - from the first day of the month following the month in which the decision of the Bureau of Medical and Social Expertise was made;
b) if the Insured (Policy) did not report the results of the re-examination within the established timeframe - from the first day of the month following the month for which the re-examination was scheduled.
9.2. General order insurance payment.
9.2.1. Upon the occurrence of an insured event, the Insurer must be notified of such an event by the Policyholder/Insured or other person within 30 (thirty) days from the date of the insured event, in any available way that allows to objectively record the fact of the notification. If there is a good reason, the above period may be extended by the Insurer, for example, in the event of the simultaneous death of the Policyholder and the Insured and/or the Beneficiary or in other cases.
9.2.2. To resolve the issue of insurance payment, the Insured (Insured, Beneficiary, Legal Representative) must send the Insurer a written application indicating the last name, first name and patronymic of the person with whom the insured event occurred, the date, place and circumstances of the insured event, the desired method of receiving the insurance payment, indicating all necessary details, as well as provide the documents specified in clause 9.4 of these Rules.
9.2.3. If the Insurer needs additional information to resolve the issue of insurance payment, it has the right to require the Insured to undergo a medical examination. Medical examination is carried out in the medical institution specified by the Insurer at the expense of the Insurer.
9.2.4. Insurance payment (for all risks, except for the risk specified in clause 3.3.3 of these Rules) is made within 5 (five) business days from the date the Insurer makes a decision on payment. The Insurer makes a decision on payment or refusal of an insurance payment within 30 (thirty) working days from the date of submission of all the necessary documents provided for by the Insurance Policy, which is drawn up by an insurance act, and informs the Beneficiary (or the Policyholder if the Beneficiary is not specified by the Policy) of its decision.
9.2.5. The decision on the insurance payment may be postponed by the Insurer if, on the facts related to the occurrence of the insured event, the Insurer has appointed an additional check, a criminal case has been initiated or a lawsuit has been initiated, until the end of the verification of the investigation or court proceedings, or until the elimination of other circumstances that prevented payment. At the same time, the Insurer sends a notification letter to the Insured (Insurant) indicating the reason for the delay in insurance payment.
The insurance payment can be made by one of those chosen by the Policyholder (the Insured, 9.2.6.
Beneficiary) methods (except for the cases considered in clause 9.1.4 of these Rules): by bank transfer to a bank account or by postal order.
9.2.7. If the Beneficiary at the time of the insurance payment is a minor, the amount due to him is transferred to a bank deposit in his name with the notification of his legal representatives.
9.3. The procedure for insurance payment for the risk specified in clause 3.3.3 of these Rules.
9.3.1. Upon the occurrence of an insured event at the risk specified in clause 3.3.3 of these Rules, notification of the insured event and consideration of the issue of insurance payment is carried out in accordance with the procedure established in clause 9.2 of these Rules.
9.3.2. If a decision is made on the insurance indemnity, the Insurer, within 10 (ten) working days from the date of drawing up the insurance act, sends the Beneficiary a relevant notice of the possibility of receiving the insurance indemnity upon expiration of the Insurance Contract.
9.3.3. In order to receive the insurance payment, the Beneficiary, at the end of the term of the Insurance Agreement, sends the Insurer an application for insurance payment with an identification document of the Beneficiary attached.
9.3.4. The insurance payment is made within 10 (ten) business days from the moment the Insurer makes a decision to recognize the insured event, which is drawn up by an insurance act, but not earlier than the expiration date of the Insurance Contract. The insurer is obliged to make a decision on payment or refusal of insurance payment, draw up an insurance act within 30 (thirty) business days from the date of receipt of all necessary documents provided for by the Insurance Policy.
9.4. Documents provided to the Insurer for resolving the issue of insurance payment.
9.4.1. In the event that the issue of insurance payment is resolved in accordance with paragraphs. 3.3.1 of these Rules:
Identification document of the Insured Person (notarized copy or original);
Original Insurance Certificate;
Copy of the passport of the Beneficiary (if the Beneficiary is not the Insured);
A copy of the passport of the recipient of the insurance payment (if the Beneficiary specifies the details of another person) 9.4.2. In the event that the issue of insurance payment is resolved in accordance with paragraphs.
3.3.2.1, 3.3.2.2, 3.3.3, 3.3.6 of these Rules:
Application for receiving insurance payment from the Beneficiary;
Identification document of the Beneficiary;
A notarized copy of the death certificate of the Insured;
A document indicating the cause of death of the Insured Person - a copy certified by the issuing institution or notarized (certificate of death from the registry office indicating the cause of death, medical certificate of death, posthumous epicrisis);
An extract from the outpatient card of the Insured Person at the place of residence or at the place of observation, indicating all past diseases and the dates of their diagnosis;
9.4.3. In the event that the issue of insurance payment for insured events is resolved in accordance with paragraphs. 3.3.4, 3.3.5, 3.3.8 of these
Rules:
Application for receiving insurance payment from the Insured;
A notarized copy of the conclusion of the Bureau of Medical and Social Expertise (ITU) on assigning a disability group to the Insured;
A medical document indicating the reason (diagnosis) for assigning a disability group - a copy certified by the institution that issued the original;
A document from law enforcement agencies describing the circumstances of the event - a copy certified by the issuing institution (Decree on the initiation / refusal to initiate a criminal case, Protocol from the scene, Certificate of an accident indicating the participants in the event);
An extract from the outpatient card of the Insured at the place of residence or at the place of observation indicating all past diseases and the dates of their diagnosis - the original or a copy certified by the issuing medical institution 9.4.4. In the event that the issue of insurance payment for insured events is resolved in accordance with paragraphs.
3.3.7 of these Rules:
Application for insurance payment from the Insured;
Identification document of the Insured;
A medical document indicating the established diagnosis, a description of the data of the diagnostic and laboratory tests carried out and an anamnesis of the disease - the original or a copy certified by the issuing medical institution;
An extract from the outpatient card of the Insured at the place of residence or at the place of observation indicating all the diseases and the dates of their diagnosis - the original or a copy certified by the issuing medical institution;
9.4.5. The Insurer has the right to reasonably request from the Insured / Beneficiary the following documents:
The act of a forensic medical examination - the original or a duly certified copy;
A copy of the Outpatient Card of the Insured at the place of residence or at the place of observation certified by the issuing institution;
A copy of the Medical History of the inpatient of the Insured, certified by the issuing institution;
Act on an accident at work - the original or a duly certified copy;
Medical report on the state of health of the Insured 6 weeks after the diagnosis of stroke, indicating the presence of permanent neurological disorders;
Medical report on the state of health of the Insured 30 days after the diagnosis of a deadly disease in the Insured;
Court decision/decree describing the circumstances of the incident and indicating the persons found guilty copy certified by the issuing institution or notarized;
A document confirming the right to drive the vehicle of the person who was driving - the original or a duly certified copy;
Certificate of the results of the blood test of the person who was driving for the presence of alcohol and drugs, the original or a duly certified copy;
Certificate of the right to inheritance in the form of an insurance payment - the original or a notarized copy;
Application for insurance payment from the heir under the Law;
9.5. The insurer has the right to refuse insurance payment if:
a) the Policyholder has knowingly provided false information in the insurance application;
b) The Policyholder (the Beneficiary) had the opportunity, but did not provide the documents and information provided for by the Insurance Policy and necessary to establish the fact of the occurrence of the insured event, within 1 (one) month from the date of notification of the Insurer about the insured event.
9.6. Insurance payment options:
9.6.1. Risk payout p.p. 3.3.1 of these Rules "Survival of the Insured until the end of the insurance period" can be paid in the form lump sum payment, or with the consent of the Insurer upon a written application of the Beneficiary (hereinafter the recipient of the insurance payment) in the form of an annuity according to one of the following options:
Option 1: Deferred lump sum payment;
Option 2: Payment by agreed installments;
Option 3: Payment in installments within the agreed time frame;
Option 4: Lifetime annuity;
Option 5: Lifetime annuity with a guaranteed payment period;
Option 6: Lifetime annuity with 60% transfer to surviving spouse.
9.6.2. The sum insured (the value of the annual annuity) is calculated on the basis of the tariffs in force at the Insurer at the time the annuity begins to operate.
9.6.3. Life annuity (Option 4) is paid in equal monthly installments, provided that the recipient of the Insurance payment survives until the date of the next payment of the annuity, in the event of the death of the recipient of the Insurance payment, the payment of the life annuity is terminated. Lifetime annuity with a guaranteed payment period (Option 5) is paid in equal monthly installments to the recipient of the Insurance Payment, provided that he survives until the date of the next payment of the annuity, and in the event of his death, the annuity is paid to his/her heirs during the guaranteed period. Life annuity with the transfer of 60% to the surviving spouse (Option 6) is paid in equal monthly payments to the recipient of the insurance payment, provided that he survives until the date of the next annuity payment. If the wife (husband) of the recipient of the insurance payment outlives him, then she (he) will receive a life annuity in the amount of 60% of the size of the original annuity. After the first payment of the annuity, no changes to the payment terms are made.
9.6.4. The choice of payment option is fixed in an additional agreement to the Insurance Policy.
9.6.5. For all options described in p.p. 9.6.1 of these Rules, the recipient of the payment is entitled to investment income (additional redemption amount), which is accrued on the reserves remaining in the insurance company. accrual investment income takes place in accordance with the conditions described in clause 8.5. of these Rules, taking into account the technical rate of return used by the Insurer to calculate annuities determined on the day when the additional agreement specified in paragraphs. 9.6.4, was concluded.
9.6.6. The recipient of the insurance payment cannot transfer or transfer the rights to the annuity to other persons. The funds at the disposal of the Insurer and the right to annuity are governed by legal requirements.
9.6.7. The options described in p.p. 9.6.1 of these Rules do not apply if a legal entity acts as the recipient of the insurance payment. When the rights to receive insurance payments are transferred to a legal entity, the application of the recipient of the insurance payment for the annuity program becomes invalid.
9.6.8. This section ceases to be valid if the amount of monthly payments does not exceed the amount determined as the minimum monthly payment, by the Insurer for the calendar year in question.
10. RIGHTS AND OBLIGATIONS OF THE PARTIES:
10.1. The insurer is obliged:
10.1.1. To familiarize the Policyholder with the terms of the Insurance Contract;
10.1.2. In the event of an insured event, make an insurance payment within the period established by the Insurance Contract;
10.1.3. Do not disclose information about the Insured and his property status, unless this conflicts with legislative acts Russian Federation;
10.1.4. Do not disclose medical information provided by the Insured, except for cases when it becomes necessary to transfer to the reinsurer or other insurer the medical data on the Insured to assess the degree of risk and to draw up a Reinsurance, co-insurance Contract, etc. The transfer of data about the Insured is allowed only to the extent that it is necessary for the execution of the Reinsurance / Coinsurance Agreement or the justification of the insurance payment and does not contradict the current legislation of the Russian Federation.
10.2. The insured is obliged:
10.2.1. Timely pay the insurance premium (insurance premiums) in the amount determined by the terms of the Insurance Contract;
10.2.2. Notify the Insurer of the occurrence of an insured event within 30 (thirty) days, starting from the day when he became aware of the occurrence of an insured event, and provide the Insurer with Required documents in accordance with clause 9.4 of these Rules. Notification of the Insurer about the fact of the occurrence of an insured event must be made by the Insured in any way available to him, allowing to objectively fix the fact of the message.
The obligation of the Policyholder to report the occurrence of an insured event may be performed by the Beneficiary or another person.
10.3. The insured has the right:
10.3.1. Check compliance by the Insurer with the requirements of the terms and conditions of the Insurance Contract.
10.3.2. Get a duplicate of the Insurance Certificate in case of its loss.
10.3.3. Obtain information from the Insurer regarding its financial stability which is not a trade secret.
10.3.4. Early terminate the Insurance Contract with a written notice of this to the Insurer and an indication of the date of early termination of the Insurance Contract.
10.3.5. In agreement with the Insurer, amend the terms and conditions of the Insurance Contract regarding changes in the amount of the insurance premium, the frequency of payment or the term of insurance from the beginning of the next year of insurance.
10.4. The insurer has the right:
10.4.1. Check the information provided by the Insured, as well as the fulfillment by the Insured of his obligations under the Insurance Policy.
10.4.2. Upon agreement with the Insured, amend the Insurance Contract in connection with new changes in the legislation of the Russian Federation that directly or indirectly affect the scope of obligations of the Insurer or the Insured.
10.4.3. Refuse the insurance payment if the Policyholder had the opportunity in the manner prescribed by applicable law, but did not provide the documents and information provided for by the Insurance Policy and necessary to establish the causes of the insured event within the period established by the Policy, or provided knowingly false information.
10.4.4. Postpone the decision on the issue of insurance payment (denial of insurance payment) in case of initiation of a criminal case upon the occurrence of the event specified in paragraph 3.3 of these Rules, until the relevant decision is made by the competent authorities.
10.4.5. Require the Insured to undergo a medical examination in accordance with paragraphs. 3.3.4, 3.3.7, 3.3.8, 3.6, 7.7, 9.2.3 of these Rules.
10.4.6. Require the Insured to reimburse the costs of a medical examination, in case of refusal to conclude an Insurance Contract on the proposed conditions, if the medical examination was carried out at the expense of the Insurer and in a medical institution specified by the Insurer.
11. PROCEDURE FOR RESOLUTION OF DISPUTES All disputes under the Insurance Policy between the Parties in case of failure to reach mutual agreement on their settlement are resolved in judicial order in competent judiciary in accordance with the current legislation of the Russian Federation.
12. FINAL PROVISIONS
12.1. All statements and notices made to each other by the Subjects of insurance must be made in writing, in ways that allow to objectively record the fact of the message.
12.2. Each of the Parties is responsible for bringing its message to the other Party at the address specified in the Insurance Policy.
12.3. In the event of a change of address without informing the other Party about it, the not notified Party shall be released from
With a long-term loan repayment, various unpleasant life situations can occur with the borrower, which cause a difficult financial situation - for example, dismissal from work or a serious illness. The programs developed by VTB Insurance are designed to help the borrower. In the event of the occurrence of the event specified in the contract Insurance Company will pay the bank customer a monetary compensation.
Connection to the insurance program in VTB 24
Insurance programs are designed to financial assistance borrower, they protect the payer from various life troubles. Currently, three VTB 24 insurance programs are being implemented that cover various risks: Life, Life+ and Profi.
Benefits of purchasing a policy
Acquisition Benefits insurance policy at VTB 24:
- full protection and confidence in the future - in case of trouble or death of the borrower, the guarantors or heirs will not have to take on credit obligations: the insurance company will pay everything;
- pricing transparency: valid single tariff for insurance, regardless of the age of the payer, his state of health, type of loan and other factors;
- a wide range of risks, if desired, you can select only the necessary positions;
- minimum documentation and ease of connection to the VTB 24 insurance program - to purchase a policy, it is enough to tell the loan officer about this.
The duration of the insurance depends on the duration credit obligations and is equivalent to it. Insurance premiums are already included in the payment schedule, so you do not have to pay a large amount initially. However, if you wish, you can choose a different payment scheme, when the insurance amount is paid off at the expense of the loan provided. In accordance with the terms, the bank receives a remuneration of 20%.
Requirements for clients
The requirements for clients becoming members of insurance programs at VTB 24 are as follows:
- age - from 18 to 55 years old (Profi), from 18 to 80 years old (Life and Life +);
- the presence of Russian citizenship;
- lack of disability, cancer, diabetes, atherosclerosis and a number of other diseases;
- absence of HIV infection;
- work experience over 1 year (Profi).
To participate in programs collective insurance military personnel and persons subject to bankruptcy proceedings are not allowed.
Types of insurance
The Life and Profi programs are VTB 24 collective insurance programs, since their conditions are the same for all clients, and they cannot be customized individually. Another disadvantage of collective insurance is the inability to issue tax deduction for the amount of fees paid.
If it is fundamentally important for you to get insurance with the possibility of making a deduction, then it is worth considering the possibilities of individual insurance, for example, under the Excellent Protection program. However, in this case, the cost of contributions will be much higher. The price of insurance under collective insurance programs is quite low - about 50% cheaper than individual policies.
Life
Payments under the Life group insurance program at VTB 24 are made upon the occurrence of the following risks:
- permanent loss of ability to work (including those associated with obtaining a disability);
- death of the insured person.
At the same time, the insurance is considered the situation that arose as a result of illness or accident, and at the same time the payer was not in a state of intoxication and did not commit suicide.
Life+
The Life + VTB 24 insurance program offers coverage for more risks, in addition to death and disability:
- hospitalization of the insured person;
- temporary disability due to injury or accident.
At the same time, in case of death or disability, the payment is made in the amount of 100% of the balance of the debt, and in case of hospitalization or temporary disability, the insurance company pays the monthly minimum contributions instead of the insured person.
Collective insurance Pro
Under the Profi collective insurance program at VTB 24, the same risks are insured, but additional protection is provided for the borrower against financial losses in the event of unemployment. Naturally, the policy provides for only those cases of job loss that do not depend on the payer.
In other words, insurance is provided not upon dismissal of one's own free will, but, for example, in the following situations:
- liquidation of the enterprise or its reorganization, which entailed the closure of the division where the borrower worked;
- downsizing;
- reinstatement of a previous employee (for example, if he appealed against an illegal dismissal);
- refusal of the payer to move with the employer to another area;
- dismissal from the service due to absence from the workplace for more than 4 months due to temporary disability, etc.
The full list of risks in the VTB 24 Profi insurance program is consistent with the Labor Code and federal law No. 79-FZ.
How to cancel insurance
Despite the fact that, in general, insurance is very beneficial for the client, especially in the long term, the cost of the policy can be a significant part of the loan, so many VTB clients are interested in whether it is possible to refuse insurance.
In accordance with Civil Code insurance is purely voluntary. If bank employees convince you to purchase a Life VTB Insurance or Profi program policy, citing the fact that you will allegedly be denied a loan, then their actions are illegal.
You can file a complaint about the actions of a specialist:
- to the conflict manager;
- to the head of the department;
- on hotline VTB Bank 8-800-100-24-24.
Accepting or refusing to issue a policy does not affect the likelihood of loan approval, however, the bank can compensate for its risks by raising the interest rate.
How to refuse life and health insurance offered by the bank upon conclusion loan agreement and get your insurance money back
The decision to refuse insurance must be announced at the stage of application, as interest rate calculated from this. That is why employees say that you cannot refuse insurance - in reality you can, but to do this, send a new request, and loan officers recalculate loan parameters.
How to get insurance money back
But if you have already issued a loan, then how to return the money under the Life VTB insurance program? Since this agreement is among the collective ones, it will not be possible to refuse it within 14 days, relying on the consumer protection law.
In accordance with its terms, the insurance contract can only be terminated within 5 days. To do this, you need to write an application in the prescribed form and send a request to the VTB Insurance company itself.
You will have to respond to the request within 30 days and transfer the money to the specified current account. However, please note that the amount for the days of actually valid insurance will be deducted from the refund.
Conclusion
So, today there are three VTB insurance programs: Life, Life + and Profi. They include the most common risks - the death of the borrower, disability, forced dismissal from work. Each borrower can choose a program based on their personal life situation. They are universal, i.e. offer a standard amount of insurance premiums, regardless of the status of the client, and 100% coverage of insurance risks. Making a policy is a voluntary matter, you can refuse it and return the money immediately or within 5 days after signing the loan agreement.
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