Terms & Conditions

 

IF YOU AGREE TO THE TERMS AND CONDITIONS WHEN PURCHASING OUR POLICY IS:

-Insurance once issued are non-refundable
-You can change the dates of the insurance policy no later than 72 hour of activation date. In the limit of days covered at the time of the first purchase. If the days are less, the difference is not refundable
-You can extend the coverage dates of the insurance policy, need paying the difference
-You can add more names to the insurance policy within 24 hours of the start date of the insurance policy
-You can not change the names of policyholders in the policy
-The corrections of the names and date of birth. Than 72 hour of of activation date the insurance policy

– Insured persons over 65 years of age pay double rate
– Children under 18 can not be included in the insurance without the presence of an adult


About Insurance 1 year multi

Business visa can be single-, double- or multi-entry depending on the invitation. Single-entry and double-entry visas can be valid for the period of no longer than 90 days. A one year multi-entry business visa enables a foreign citizen to enter the Russian Federation multiple times within the indicated timeframe. It doesn’t mean that the visa holder is allowed to remain in the Russian Federation for a year. According to the Russian Migration Law, a multi-entry visa holder is allowed to stay in Russia up to 90 days within every 180 days.

Insurance is valid for a period of 365 days, with medical coverage of 180 days as required by the law of the Russian Federation on immigration.

If you need insurance medical coverage of 365 days please contact us!


Shipping of the insurance policy

We are not responsible for post mail shipments, delays or non-delivery.
Minimum requirements for free shipping
8 days for each insured for customers who want to ship within Europe (EU and No Eu)
For the first shipment: it’s a totally free service
The second shipment is to be paid by the recipient.

For all other country ( Usa, Australia, Hong Kong, China… )  minum days required is 10 days insurance coverage for each person.
For the first shipment:
it’s a totally free service
The second shipment is to be paid by the recipient.


BE CAREFUL (ATTENTION)
For these mail domains:
HOTMAIL, OUTLOOK, LIVE, YAHOO, ICLOUD, TELENET, TISCALI, ALICE and other
Possible our e-mail go into the SPAM box.
Always check your mail, in case you do not receive anything, write immediately todelivery@rustravelinsurance.com

 

Always check in your insurance, the stamp and signature

 

For health care:
+7 (495) 775-09-99
When contacting the Service Company, please inform:
1 Surname, Name, number and validity period of the insurance policy;
2 Your location and contact phone number;
3 Give a brief description of the problem.

The insurer reserves the right to request additional documents to confirm the insured event.
Expenditures incurredwithout agreement with the Insurer, can not be refunded.

RULES OF INSURANCES OF CITIZENS, LEAVING THE BORDERS OF CONSTANT RESIDENCE

1. GENERAL PROVISIONS

1.1. OAO “AlfaInsurance”, called hereinafter the “Insurer” on the basis of the present Rules and the applicable legislation of the Russian Federation concludes with legal and capable physical persons (hereinafter the Insurants) insurance contracts for the citizens leaving the borders of constant residence.

1.2. Under the insurance contract concluded on the basis of the present Rules the Insurer undertakes for a payment agreed by the insurance contract (the insurance premium) at approach of the event stipulated in the contract (the insurance case) to make insurance payment, including pay and (or) reimburse medical costs for emergency care rendered to the insured person..

1.3. Insurants have the right to conclude insurance contracts with the Insurer insurance for the third parties in favor of the latter (hereinafter the Insured persons). If the Insurant being the physical person concluded the contract about insurance of his property interests he is also deemed an Insured person.
Insurants being legal persons conclude insurance contracts with the Insurer for the third parties in favor of the latter, the Insured persons.

1.4. The basic terms and the concepts used in the present Rules:
Insured trip – departure of the Insured beyond the limits of constant residence due to tourist trip, business trip, under the terms of labor contract etc. which has the insurance contract concluded, within the limits of territory and during the validity specified in the insurance contract.

Insurance period – duration of a trip (number of days) covered by the insurance covering (the responsibility of the Insurer).

Constant residence is a place of constant residence of the Insured person where the Insured person stays within 183 calendar days and within 12 (consecutive months) or a place where the Insured person has a citizenship or residence permit.
Physical injury – trauma received by the Insured due to an accident.

Emergency medical care – medical care provided in case of sudden acute diseases, exacerbation of chronic diseases that threaten the life of a patient;
Urgent medical care – medical care provided in case of sudden acute diseases, exacerbation of chronic diseases that not threaten the life of a patient
Planned medical care – medical care provided in course of preventive events, diseases and states that not threaten the life of patient and not require emergency and urgent medical care, delay of which shall not cause aggravation of the health state and life of a patient.
Injury – damage to organs and tissues with violations of their integrity and functions caused by exposure to environmental factors (mechanical, thermal, chemical, radiation exposure to any kind of electric current and the change in atmospheric pressure).
Poisoning (intoxication) – a disease that develops as a result of effects on the body of toxic doses of chemicals (including pharmaceuticals), plant poisons and venoms of insects, bacteria, etc.
Sudden acute disease – a disease firstly-diagnosed and developed in the period of insurance at the territory of the insurance contract validity that is not a result of exacerbation or complication of another pathological condition.
Accident – single sudden physical influence of various external factors (mechanical, thermal, chemical, etc.) on organism of the Insured person, occurred besides will of the Insured person and leading to physical injuries, infringements of physiological functions of organism of the Insured person or his death.
Any forms of acute, chronic and hereditary diseases are not considered to be accidents.

Chronic diseases –  a disease that has no recognized method of absolute treatment proceeds with periods of exacerbation and remission.
Joint trip – a trip to the same location (city, resort, hotel) and at the same time, which is confirmed by travel documents (travel voucher, travel package, travel documents, hotel documents and etc.).
Hospital – medical institution, which:
–    Works according to the law for maintenance of care and treatment of patients and wounded;
–    Has diagnostic and surgical division;
–    Provides 24-hour care of qualified nurses;
–    Supervised by one or several doctors.
Not considered to be a hospital: obstetrical division, division for recovering or geriatrics division in case when the patient basically keeps bed care and requires care nurses, sanatorium, recovery center, house for aged.

Medical institution – medical institution with license providing out-patient surgical treatment and care.

Existing medical conditions – claims connected directly or indirectly with earlier received diseases which the Insured person suffered within last 24 months are not covered, if not declared at signing of the insurance contract and if the Insurer gave no written approval to accept such insurance risk.

The country of residence – the country or the countries which are primary or secondary permanent address of the Insured person and which are specified in the insurance contract.
The dependent person – lawful spouse of the Insured person (or the partner of the same or opposite sex living with the Insured not less than six consecutive months) with no officially issued divorce with the Insured person, or his/her unmarried children, adopted children, foster children who did not reached 19 years at the date of inclusion of the insurance contract by the Insured person or at the date of subsequent prolongation of the insurance contract (or did not reached 25 years if it can be proved that they receive full-time education), and persons in financial dependence of the Insured.

The chosen country – the country within the territory specified in the insurance contract, preliminary chosen as the country where the Insured person prefers to take the treatment covered by the policy, or chosen by the Insured person later for treatment due to the insurance case. The chosen country should be set by the Insurer as a suitable place for grant of demanded treatment.

Emergency medical transportation or evacuation – necessary charges from the medical point of view on the urgent transportation set by the round-the-clock help center and medical care at transportation of the Insured person in critical condition in the nearest suitable hospital with necessary care conditions that can be outside the country of residence of the Insured.

Physiotherapy – the treatment made by the licensed Physiatrist and recommended by the doctor on the basis of medical conditions in result of insurance case.

Doctor – expert with completed and properly registered medical education not relative of the Insurant or the Insured and acting within the limits of the license for treatment of consequences of accident.

Iatrogenic injuries are deterioration of patient’s health state caused by reckless act of physician.
Medical charges – mean charges on treatment made or ordered by the qualified doctor.

Recipe – the written doctor’s instruction on the use of medical preparations.
Carrier – any registered carrier engaged in transportation of passengers overland, by water or by air with license for this type of transportations and making them at regular schedule.

Luggage – personal things of the Insured transported by him during a trip over the borders of constant residence both handed in luggage of the transport organization or registered as hand luggage.
Service company – specialized organization specified in the insurance contract (insurance policy) of the Insured which on behalf of the Insurer provides round the clock organization of services stipulated by the present Rules.

Urgent message – the first call of the Insured in the Service company by means of telephone, facsimile or other accessible mean of communication.

Close relatives – father, mother, children (including adopted), lawful spouse, native brothers and sisters.

Insurance territory – territory within the limits of which the Insurer bears obligations on payment of insurance compensation at approach of an insurance case.
The Insurant signing the insurance contract on the basis of these Rules expresses its consent to the Insurer on processing of personal details, containing in documents handed to the Insurer in order to promote goods, works, services on the market by establishing direct contacts with the Insurant with the help of communication means to ensure comply with the contract signed, notice on new insurance programs and insurance products.
The processing of personal data is carried out through the collection, systematization, accumulation, storage, clarification (update, change), use, distribution (including transmission), depersonalization, blocking, destruction of personal data, both on paper and on electronic media. This consent of the Insurant shall be valid within the term of the insurance contract and within 5 years after the expiration of the insurance contract. This consent may be revoked by the Insurant by notifying the Insurer in writing.
The Insurer is entitled on the basis of these Rules to issue separate insurance programmes by using separate terms and conditions of insurance, specified in the Rules and (or) combining them, applying marketing names to sich insurance programmes.
The insurance contract on the basis of these Rules shall be deemed concluded only in the case if the insurance contract directly stipulates their application, the Rules set out in a single document together with the contract or on the reverse side or attached to it. Presentation of these Rules to the Insurant shall be certified by the entry introduced into the insurance contract.
In this case the Insurant agrees that the conclusion of an insurance contract does not exclude or limit the liability of the parties for breach of obligations and does not contain clearly burdensome for the Insurant (Insured person) the conditions that, on the basis of their reasonably understood interests, the Insurant would not accept if it participated in defining the terms and conditions of the insurance contract.
2. OBJECT OF INSURANCE, RISK INSURED
2.1. Objects of insurance are the property interests of the Insured leaving the boarders of constant residence in other district (country, republic, territory, area, city, etc.) due to tourist trip, business trip, under the terms of labor contract, etc. for the period not over 1 (one) year, not contradicting to the legislation of the Russian Federation and connected with:
2.1.1. Risk of occurrence of contingencies of the Insured (“Insurance of contingencies”);

2.1.2. Risk of unexpected charges connected with cancellation of the trip by the Insured or change of terms of his stay outside constant residence (“Insurance of losses of forced refusal from a trip”);

2.1.3. Obligation of the Insured to compensate harm caused to lives, health and/or property of the third parties (“Insurance of civil liability of the Insured”);

2.1.4. Risk of total loss (disappearance) or delay of luggage (“Insurance of luggage”).

2.2. Risk insured is an expected event, the occurrence of which the insurance covers. List of risks insured is specified in the insurance contract. The Contract may be concluded subject to one of risks or any set of risks, stipulated by the Rules, particularly:

2.2.1. Occurrence of contingencies of the Insured (“Insurance of contingencies”);

2.2.2. Occurrence of charges connected with cancellation of the trip by the Insured or change of terms of his stay outside constant residence (“Insurance of losses of forced refusal from a trip”);

2.2.3. Obligation of the Insured to compensate harm caused to lives, health and/or property of the third parties (“Insurance of civil liability of the Insured”);

2.2.4. total loss (disappearance) or delay of luggage (“Insurance of luggage”).

2.3. Reimbursement of charges of the Insured can be made by payment of the services rendered due to approach of an insurance case directly to the Insurant (the Insured) after his return to the country of constant residing or other organization (hereinafter the Service company), acting as emergency commissioner and paying these charges on place.

3. INSURANCE CASE
3.1. Insurance cases are occurred events stipulated by the insurance contract which at approach cause obligation of the Insurer to fulfill the insurance payments.
3.2. An insurance case under the insurance contract concluded on the basis of the present Rules is:

3.2.1. On insurance of contingencies – an event caused by injury, poisoning, sudden acute disease, exacerbation of chronic disease, accident or death of the Insured in result of which the Insured or the Beneficiary faces a necessity to bear the following contingencies:

3.2.1.1. Medical charges on out-patient and/or hospital treatment;
3.2.1.2. Charges on the emergency dental help:

a.    At trauma of a tooth in result of accident;

b.    At acute inflammation of a tooth and tissue surrounding a tooth;
3.2.1.3. Charges on medical transportation/ evacuation;

3.2.1.4. Charges on posthumous repatriation (return of body/remnants;
3.2.1.5. Transport charges;
3.2.1.6. Charges at loss or stealing of documents;

3.2.1.7. Charges on payment of urgent messages;
3.2.1.8. Charges on reception of legal aid;

3.2.1.9. Charges connected with damage of the personal vehicle in result of accident or breakage and in result of loss (steal, plunder) of the vehicle, except for the territory of the Russian Federation.

3.2.2. On insurance of losses of forced refusal from a trip – the event which caused occurrence of the Insured’s charges, connected with cancellation of a trip or change of terms of his stay outside the constant residence. Such events are as the following events which occurred after coming of the insurance contract into force and confirmed by documents issued by competent bodies:

a.    Death, sudden decay of health (hospitalization) of the Insured or his close relative, arisen not earlier than 15 days prior to beginning of a trip and interfering fulfillment of prospective trip, unless otherwise provided by the contract;

b.    Death, sudden decay of health (hospitalization) of the spouse of the Insured or his (her) close relative, interfering fulfillment of a prospective trip and arisen not earlier than 15 days prior to the beginning of a trip,  unless otherwise provided by the contract;
c.    The traumas of any complexity of the Insured or its family member in result of accident not earlier than 15 days prior to the beginning of a trip unless otherwise provided by the contract, but only in case there are medical contra-indications to the planned trip;

d.    Infectious diseases of the Insured that appeared not earlier than 15 days prior to the beginning of a trip unless otherwise provided by the contract;
e.    Damage or destruction of property of the Insured (except for a vehicle) arisen not earlier than 15 days prior to the beginning of a trip unless otherwise provided by the contract in result of:
–    Fire (fire is understood as occurrence of fire capable to extend independently outside the places specially intended for its lightning and keeping);
–    Acts of nature (earthquake, landslip, storm, hurricane, flooding, inundation, hail or downpour);
–    Flooding from water, sewer, heating systems;
–    Illegal actions of the third parties
provided that the caused damage is significant (destruction of over 70% of property) and essentially influences financial position of the Insured, or in cases when the establishment of the fact of damage requires presence of the Insured;

f.    A proceeding during the insurance period where the Insured participates under the decision of court accepted after coming of the insurance contract into force;
g.    Draft of the Insured to active military service or to military gathering after coming of the insurance contract into force;
h.    Failure to receive a visa by the Insured at duly submission of all necessary documents on registration according to requirements of consulate of the country of destination;
i.    Preschedule return of the Insured from the travel caused by illness and/or death of close relatives;

j.    Delay of return of the Insured from travel after the end of term of trip caused by death, accident or illness of spouse or close relatives traveling with him;
k.    death, sudden aggravation of the health state (hospitalization) of an individual who goes on a joint trip with the Insured person, caused not earlier than 15 days prior to trip, unless otherwise provided by the contract, and prevent the commission of the intended trip;
l.    injury of any difficulty encountered by an individual who commits a joint trip with the insured person as a result of an accident, not earlier than 15 days prior to trip, unless otherwise provided by the contract, but only if there are medical contraindications for the planned trip;
m.    Failure to receive a visa by a family member of the Insured or an individual jointly committing a trip with the Insured at duly submission of all necessary documents on registration according to requirements of consulate of the country of destination;
n.    Delay to receive a visa or visa receipt in terms other than requested by the Insured, its family member or an individual jointly committing a trip with the Insured at duly submission of all necessary documents on registration according to requirements of consulate of the country of destination.

3.2.3. On insurance of civil liability of the Insured – the duty of the Insured to compensate the harm caused to lives, health and/or property of the third parties according to the legislation of territories of insurance at residing of the Insured outside his constant residence.
Thus the duty of the Insurer on payment of the insurance compensation (coverage) occurs only in case of inadvertent harm made by the Insured to the third parties on territory stipulated in the insurance contract and during term of his stay outside his constant residence(stipulated in the insurance contract), and which caused:

a.    death, disability, mutilation of the third parties (physical damage);
b.    destruction or damage of the property belonging the third parties (property damage).

The case is being insurance if the fact of damage and/or harm is confirmed by valid decision of judicial bodies or recognition of the Insured with written approval of the Insurer of the proved property claim about compensation of harm caused to lives and health or property of the third parties.

3.2.4. On insurance of luggage – event which caused:
3.2.4.1. full loss (disappearance) of luggage confirmed by respective carrier’s documents;
3.2.4.2. delay of luggage (delay in delivery of luggage confirmed by respective carrier’s documents) delivered to the carrier under the public conveyance contract within the contract term.
3.3. The exact list of insurance cases when the Insured is obliged to pay the insurance compensation to the Insurant is determined in the insurance contract.

3.4. The Insurer has the right to develop special programs of insurance according to territory of insurance, set of insurance risks, amount of insurance sum, validity of the contract and other criteria, on conditions specified in Appendix 1 to the present Rules. In this case the insurance contract at definition of insurance risk can specify the corresponding program of insurance and a code of territory in the territory of insurance.

3.5. The territory of insurance is set in the insurance contract.

4. INSURANCE COVER
4.1. At occurrence of an insurance case on insurance of contingencies the Insurer compensates:

4.1.1. Medical charges in respect of payment for emergency and urgent medical care on out-patient and/or hospital treatment due to injury, poisoning, sudden acute disease or exacerbation of chronic disease prior to elimination of threat to the Insured’s life which include:

4.1.1.1. Charges on carrying out of operations;
4.1.1.2. Charges on carrying out of diagnostic researches;

4.1.1.3. Charges on payment of medical services, including out-patient treatment;
4.1.1.4. Charges on services of local service of first aid;

4.1.1.5. Charges on payment of the medicines and dressing means prescribed by a doctor;
4.1.1.6. Charges on payment of the means of fixing prescribed by a doctor (at this the Insurer pay for paid both purchase and hire of means of fixing). To means of fixing within the limits of the present Rules include in particular crutches, special footwear for walking, invalid wheelchairs and other orthopedic equipment;
4.1.1.7. Charges on stay of the Insured in a hospital;
4.1.1.8. Post-stationary home nursing of the Insured in home within the limits of the sum set in the insurance contract;
4.1.1.9. Antenatal and postnatal conducting within the limits of the sum set in the insurance contract, but not later than the term of the contract;
4.1.1.10. Charges on acceptance of normal birth within the limits of the sum set in the insurance contract, but not later than the term of the contract;
4.1.1.11. Medical charges at complication during pregnancy and/or birth within the limits of the sum set in the insurance contract, but not later than the term of the contract;
4.1.1.12.     If the Insured is a child in the age under 16 years which needs hospitalization, the Insurer pays daily residing of one parent at the same hospital during all period of stay of the insured the child in hospital.

4.1.1.13.      If an accident/physical injury or illness lead to chronic disease, all covering is limited by the insurance sum set in the insurance contract for each chronic disease for each term of insurance concerning all necessary and comprehensible charges.

4.1.1.12.    Other medical charges which include:

a.    Charges on annual check of sight and charges on purchase of glasses or contact lenses within the limits of the sum set in the insurance contract;

b.    Charges on carrying out of one annual dental check and treatment and prosthetics within the limits of the sum set in the insurance contract;

c.    Charges on carrying out of annual check of hearing and charges on purchase of hearing aid within the limits of the sum set in the insurance contract.

All conducted medical actions should be expedient, proved by the attending physician and coordinated with the Insurer.
4.1.2. The Insurer compensates charges on payment for emergency and urgent dental help within the limits of a limit of compensation set in the insurance contract, namely:
4.1.2.1. Charges connected with soothing treatment of natural tooth at trauma of a tooth in result of an accident;

4.1.2.2. Charges connected with soothing treatment of a natural tooth and sealing connected with it at acute inflammation of a tooth and surrounding tissue;

4.1.3. Charges on medical transportation/ evacuation which include:

4.1.3.1. Charges on search, rescue and transportation (transportation by a “first aid” vehicle or other vehicle) from a place of incident to the nearest medical institution or to a doctor being in immediate proximity in the country or a place of temporal stay;

4.1.3.2. After the end of treatment of the Insured person in hospital that was the reason of emergency transportation, and in three days after the Expert doctor of the Insurer declares that condition of the Insured allows to transport him to another place, the Insurer undertakes to organize and pay all the necessary expenses connected with transportation of the Insured person to the nearest place in the country of residence (or in the hospital near to his place of residing) by plane in the same class if the Insured person traveled by plane, or by train in the first class or in economy/tourist class by plane if the Insured person initially traveled by other means of transport instead of a plane.
The insurer undertakes to organize and pay medical support of the Insured person if there are the medical conditions set by the Expert doctor of the Insurer for it.
If necessary the Insurer undertakes to organize and to pay all necessary travel expenses of the accompanying person which was near to the Insured during emergency medical transportation to the nearest place of residing in the country of residence within the limits set in the insurance contract.

4.1.3.3. Charges on emergency medical transportation by adequate vehicle including charges on accompanying person (if such support is prescribed by the doctor) from the place of stay of the Insured to the place of his constant residence or to the nearest medical institution at residence under condition if there are no opportunities to grant demanded medical aid in the place of temporal stay. Emergency medical transportation is carried out exclusively in cases when its necessity is proved by conclusion of the doctor of the Insurer on the basis of documents from the local attending physician and under condition of absence of medical contra-indications. Charges on emergency medical repatriation are covered within the limits of sum stipulated in the insurance contract;

4.1.3.4. Charges on medical transportation of the Insured from place of temporal stay to the place of his constant residence or to the nearest medical institution at the residence in case when charges on stay in a hospital can exceed the limit of compensation set in the insurance contract or when medical treatment abroad considerably exceeds charges on emergency medical transportation. Medical transportation is made only at absence of medical contra-indications. Charges on medical transportation are covered within the limits stipulated in the insurance contract;

4.1.4. Charges on posthumous repatriation of body (return of body/remnants).

4.1.4.1. The charges authorized by the Service company (service center) to permanent address of the Insured if his death occurred in result of an insurance case. Charges on posthumous repatriation are covered within the limits stipulated in the insurance contract. Thus the Insurer does not pay charges on ritual services at permanent address of the Insured.

4.1.4.2. The insurer also undertakes to organize and pay additional both way travel expenses of the third party (first class by train or economy class/tourist by plane) to accompany the coffin with the Insured and/or visiting of funeral if it is stipulated by the insurance contract.

4.1.4.3. Indemnification of the charges authorized by the Service company (service center) and connected with payment of the ritual services (payment for coffin, cremation, local burial place), including at the place of constant residence of the Insured within the limits set in the insurance contract.

4.1.5. Transport charges which include:

4.1.5.1. Charges of the Insured on travel to the place of constant residing economy class one way, including transfer to the airport in case if departure of the Insured occurred not in time, i.e. not in the day specified in travel papers on hands of the Insured, due to the insurance case which entailed forced hospitalization of the Insured. The Insured is obliged to make his best to return unused travel papers and compensate their cost to the Insurer. At failure to fulfill this condition the Insurer has the right to deduct cost of unused travel papers from the sum of reimbursement of the Insured;

4.1.5.2. Charges on residing of full age third party which stays together with the Insured outside the constant residence if departure of the Insured did not take place in time, i.e. in the day specified in the travel papers on hands of the Insured due to the insurance case which entailed necessity forced hospitalization of the Insured. The Insured and the full age third party which stays together with the Insured outside the constant residence, are obliged to make their best to return unused travel papers and compensate their cost to the Insurer. Thus charges on stay of the full age third party outside the constant residence are covered by the Insurer within the limits of the term specified in the insurance contract but no more than for 10 nights and the sum of charges cannot exceed equivalent of 100 US dollars a night.

4.1.5.3. Payment for organization the necessary travel expenses of the full age third party (a relative or a friend) specified in the contract, traveling together with the Insured person for support of the Insured during transportation. Thus charges on residing of the full age third party with the Insured person during hospitalization of the Insured are covered by the Insurer within the limits of 100 US dollars a night but no more than for 10 nights.

4.1.5.4. Charges on organization and payment of one two way ticket (first class by train or economy class by plane) for travel of the full age third party specified by the Insured person in the insurance contract to location of the latter in result of emergency transportation or evacuation provided that the person accompanying the Insured is absent and provided that the Insured person is hospitalized more than 400 km (250 miles) from the place of residence of the Insured person specified in the insurance contract.
Thus the Insurer undertakes to pay necessary daily residing of the full age person specified in the insurance contract by the Insured person for period of stay of the Insured in hospital within the limits of 100 US dollars a night, but no more than 10 nights.

4.1.5.5. Charges on one way travel economy class for children who are being with the Insured during stay outside the constant residence, to the place of their constant residing in case if the children without supervision in result of an insurance case with the Insured, and payment of travel expenses of one adult accompanying the child or children. If the Insured cannot name such person the Insurer will organize and pay adequate accompaniment.

4.1.5.6. If in result of an insurance case with the Insured his children are left at home without supervision (starting with date of his planned return home if the insurance case with of the Insured person had not taken place) the Insurer undertakes to pay transportation of the child or children in a place specified by the Insured person within the limits of Insurance territory by train or economy class by plane; or the Insurer can organize and pay one return ticket (first class by train or economy class/tourist by plane) for the person specified by the Insured so that the given person could come home to the Insured and provide care for his child/children.
In any case the Insurer incurs payment of travel expenses of one adult accompanying the child or children. If the Insured cannot name such person, the Insurer will organize and pay adequate accompaniment.

4.1.5.7. Charges on preschedule return of the Insured to the place of constant residing in case of sudden or unforeseen death of his close relative under condition of return of unused return ticket by the Insured to the Insurer.

4.1.5.8. Charges on organization and payment of trip of the Insured to the place of constant residing and his return (term return) in case of unexpected death of close relative of the Insured. This service is given for the citizens being outside the country of constant residing for more than 6 months.

4.1.5.9. Charges on two way travel economy class (from the place of constant residing and back) of the full age third party if term of hospitalization of the Insured traveling alone exceeded 10 (ten) days.

4.1.5.10. Charges connected with delay of a regular flight for more than 4 hours for each hour of flight delay after first 4 hours but no more than for 12 hours, according to the sum set in rules of the international air transportations.

4.1.6. Charges at loss or stealing of documents:

4.1.6.1. The Insurer pays charges on search and registration of duplicates of the lost documents issued in the Russian Federation (passport with visa, travel papers) within the limits of the sums specified in the insurance contract.
4.1.7. Charges on payment of the urgent messages connected with approach of an insurance case, within the limits of compensation set by the insurance contract. The payment of expenses is affected on the basis of the documents confirming such charges and their amount.

4.1.8. Charges on reception of legal aid:
The insurer pays charges on the organization and payment of the first legal consultation to the Insured in case if the latter is persecuted according to the civil legislation of host country in result of the Insured’s unintentional damage to the third party, unintentional infringement of statutory acts of host country except damage and infringements connected with use, possession and storage of vehicles.

4.1.9. Charges connected with damage of the personal vehicle in result of accident or breakage, as well as in result of loss (stealing, plunder) of the vehicle:

4.1.9.1. In case of loss or damage (breakage or accident) of the personal vehicle of the Insured, the Insurer will provide the organization and payment of transport for delivery of all passengers, including the driver, to the place of residing in a host country. Insurance payment cannot exceed sum specified in the insurance contract.

4.1.9.2. In case of damage of personal vehicle of the Insured the Insurer will direct a service brigade to the place of breakage and will carry out repair or towage (evacuation) of a vehicle. Insurance payment is limited to the sum set in the insurance contract, but not higher than equivalent of 300 US dollars in the Russian Rubles.

4.1.9.3. The insurer will organize and will pay charges on evacuation of vehicle of the Insured in the country of constant residing of the Insured in following cases:
–    After repair of a vehicle due to his damage (breakage or accident) if according to experts the repair will take more than 10 days, and time of stay of the Insured in the territory of this country turns to be less than 10 (ten) days;
–    Or, if vehicle of the Insured was lost and was found after departure of the Insured to the constant residence.
The general responsibility of the Insurer is limited to residual cost of the car, but not exceeding the sum set in the insurance contract.

4.1.9.4. The insurer will organize and will pay charges on return of the Insured in the country of constant residing (by plane in economy class, by train in compartment or by bus) in case if personal vehicle of the Insured remains faulty by end of travel or business trip. Such charges are compensated by the Insurer within the limits of sums set in the insurance contract.
4.2. At approach of an insurance case on insurance of losses of forced refusal from a trip the Insurer refunds:

4.2.1. At indemnification of losses due to unilateral refusal of the Insured of the trip, beyond the limits of a constant residence caused by the reasons:

4.2.1.1. Stipulated in cl.3.2.2.a., b., c., d., e., f., g..,k., l.  and connected with cancellation of travel papers, refusal of reserved room in a hotel, payment for consulate fee, cost on entry visa and cancellation of services paid under the tourist services contract, not subject to compensation or subject to partial compensation and confirmed by corresponding documents of the transport company, consulate, hotel, etc.;

4.2.1.2. For reasons stipulated in cl. 3.2.2. h., m, n the Insurer refunds charges connected with payment of consulate fee gathering by the embassy and the cost of entry visa, and additional charges connected with purchase of travel documents and payment for hotel accommodation proved by corresponding documents.

4.2.2.
Extra charges, incurred by the Insured in its early or temporary return from trip, caused by reasons, stipulated by cl. 3.2.2. i) within sum insured provided by the contract. In this case costs for purchase of tourist and economy class tickets, transfer of one urgent message to be refunded as well as the cost for stay at hotel for unexpired term of stay beyond the place of residence. If the trip insured If the trip insured is organized by travel agency, the cost for stay at hotel for unexpired term of stay beyond the place of residence shall be confirmed by travel agency –  travel organizer. Cost for purchase of travel documents is to be refunded only if initial ticket shall not to be refunded. In case of reissue of travel documents the Insurer compensates costs documentarily confirmed and associated with reissue of travel documents;
4.2.3. The documentary confirmed charges additional born by the Insured in result of delay of his return after the end of term a trip, caused by the reasons stipulated in cl.3.2.2.j. within the limits of the insurance sum set in the insurance contract. Refunded charges are residing of the Insured in a hotel of a category no more than 3 stars for no more than 5 (five) days, purchase of tickets of tourist or economy class, transfer of a single urgent message. Charges on purchase of travel papers are compensated only provided that the initial ticket is not subject to replacement. At renewal of travel papers the Insurer compensates documentary confirmed charges connected with renewal of travel papers.

4.3. At approach of an insurance case on insurance of civil liability of the Insured the Insurer compensates:

4.3.1. Direct real property harm, caused to the third party in result of damage (destruction), loss of property belonging to the third party as property (or on the basis of lawful documentary confirmed legal obligations) within the limits of valid cost of property or cost of its restoration (repair);

4.3.2. Physical harm caused to the third party, within the limits of:
a.    Amount of charges on medical treatment and/or subsequent rehabilitation restoration;

b.    Amount of part of earnings lost by dependent person of the suffered person in case of his death – in case of death of the victim;

c.    Amount of born ritual charges in case of death of the victim.

4.3.3. Necessary and expedient charges on rescue of life and property of persons harmed in result of an insurance case or on reduction of the damage caused by an insurance case;

4.3.4. If it is stipulated in the insurance contract:

a.    Expedient charges on preliminary investigation of circumstances of occurrence of an insurance case and part of guilt of the Insured person;
b.    Charges on conducting of proceedings in judicial bodies in prospective cases of causing of harm.
In any case amount of compensation at approach of the insurance case stipulated by cl. 4.3. of the present Rules cannot exceed a limit of compensation of the Insurer by amount of such charges set in the insurance contract.
4.4. At approach of an insurance case on insurance of luggage the Insurer compensates:
–    4.4.1. In case of total loss (disappearance) of luggage – payment in the amount of 1000 RUR. for each kilo of lost luggage if other payment amount for each kilo of luggage is not provided by the contract.
–    4.4.2. In case of delay of luggage – payment in the amount of 150 RUR. for each kilo of luggage delayed if other payment amount for each kilo of luggage is not provided by the contract.

The Insurer also refunds charges on search, examination, storage and transfer of found things and on rescue and putting insured property in order. Indirect charges (hotel accommodation, transport charges and so forth) are not subject to compensation.

5. EXCEPTIONS FROM INSURANCE COVER

5.1. The insurer in any case waives to pay insurance compensation in cases, stipulated by the Russian legislation as well as in cases which resulted in: :
5.1.1. Influences of nuclear explosion, radiation or radioactive pollution;

5.1.2. Military actions and maneuvers or other military actions and their consequences;
5.1.3. Civil war, national disorders of any sort or strikes and their consequences unless other is stipulated in the contract
5.1.4. Withdrawals, confiscations, nationalization, requisition, arrest or destruction of the insured property under the order of the state bodies and other similar measures of political character undertaken under the order of military or civil authorities and political organizations;
5.1.5. Receptions of traumas or diseases caused by criminal or illegal actions of the Insurant or the Insured.
5.1.6. in respect of damage caused due to the fact that the Insurant (Insured person) has not taken deliberately reasonable and available actions to reduce possible losses.
5.1.7. if the Insurant (Insured person) refused its recourse right to a person liable for losses compensated by the Insurer or it fails to exercise its right due to the Insurant (Insured person), the Insurer is not entitled to refund in full or in corresponding part and has the right to claim for refund of indemnity amount paid in excess.
5.2. The insurance contract shall not cover (not being accident) moral harm (not to be refunded).
5.3. The losses are not to be refunded (not being accident) and not covered suffered by the Insured in result of an insurance case occurred during validity of the insurance contract, but the reason of approach of which appeared before introduction of the insurance contract, are not covered by the insurance contract.
5.4. The losses are not to be refunded (not being accident) and not covered which are caused, forced or extended directly or indirectly in result of: act of terrorism and/or terrorism, despite any other simultaneous applicable circumstances or events; actions on control, prevention, suppression or any other actions concerning act of terrorism and/or terrorism; acts of violence or acts dangerous to human life, material and non-material property with purpose or desire to influence any government or with purpose of intimidation of population or any strata, unless otherwise is not provided by the contract
5.5. Any losses are not to be refunded (not being accident) and not covered that are not separately stipulated in the insurance contract. .
5.6. In respect of insurance of contingenciesthe insurance contract shall not cover (not being accident) the charges as follows:
5.6.2. Charges connected with treatment of consequences of accidents, occurred prior to inception date of insurance period under the insurance contract of citizens, leaving the borders of constant residence.
5.6.3. Charges connected with treatment of nervous, mental diseases if the contract does not stipulate other and attempt of suicide.
5.6.4. Charges on evacuation/repatriation in case of insignificant illnesses or traumas which by opinion of the medical adviser appointed by the Insurer can be treated locally and do not prevent continuation of the Insured’s travel.

5.6.5. Charges concerning any evacuation and/or repatriation which were not organized by the Insurer or the Service company, and the charges which resulted due to the Insured’s voluntary refusal of evacuation to his constant residence.

5.6.6. Charges on organization of scheduled transportation

5.6.7. Shipping charges in the country chosen by the Insured not approved by the Expert doctor of the Insurer for any reason;
5.6.8. Any charges connected with care for a child without accompanying persons within the limits of cl. 4.1.1.12. in case of planned medical care which is not connected with emergency medical transportation of the Insured;

5.6.9. Any charges connected with subsequent relocation due to the same insurance case after return of the Insured person to his place of residing;

5.6.10. Any additional transport charges according to cl. 4.1.5.4., suffered by the full age third party specified in the insurance contract if it is further required to organize transportation of the Insured person to other hospital to the same country.

5.6.11. Charges connected with plastic and regenerative surgery and any sort of prosthetics, including dental and eye prosthetics.

5.6.12. Charges connected with grant of services not necessary from the medical point of view or with treatment which was not prescribed by the doctor.
5.6.13. Charges connected with any claims arisen during a trip, undertaken despite of medical contra-indications.

5.6.14. Charges connected with treatment of alcoholism, drug addiction and other abusing/dependences or other condition connected with addictions or with treatment of unhealthy conditions caused by reception of narcotic, toxic substances, alcohol and treatment of traumas received by the Insured being under influence of the above-stated substances at reception of a trauma.

5.6.15. Charges connected with interruption of pregnancy, except for abortions, extrauterine pregnancy and stillbirth.

5.6.16. Charges on operation on caesarean section in the scheduled order not approved by the experts of the Insurer as necessary and subsequent treatment after such birth.

5.6.17. Charges on prepatrimonial actions; obstetrical charges not directly connected with birth.

5.6.18. Charges due to sequelae during or in result of scheduled in-home birth.

5.6.19. Charges connected with pregnancy, birth, induced abortion except for cases of sudden sequelae menacing life or documentary confirmed accident (however in all cases term of pregnancy should not exceed 8 weeks) unless other is stipulated in the insurance contract.

5.6.1.20. Charges connected with treatment of traumas, diseases caused by direct or indirect influence of radiation of any sort, including solar if other is not stipulated in the contract.
5.6.21. Charges connected with purchase of glasses, contact lenses, hearing aids, artificial limbs and charges on all kinds of prosthetics unless other is stipulated in the insurance contract.
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5.6.22. Charges connected with treatment in sanatoria and dispensaries, with accommodation and treatment in houses of invalids, water, spa and natural clinics, sanatoria or similar institutions or hospitals, residing in which actually became the house for the Insured person or constant place of residing and stay of the Insured in these institution is in full or partly caused by the family reasons.

5.6.23.      The Charges connected with contraception, sterilization (or opposite procedure), fertilization, deferentectomy, venereal diseases, sexually transmitted diseases, change of sex or other conditions of sexual character, infertility or state of health connected with it or other forms of artificial reproduction. Charges on care or treatment connected with immunodeficiency virus or HIV-diseases, including Acquired Immune Deficiency Syndrome (AIDS) or AIDS-related complex and other similar infections, diseases, damages or indications resulting from these conditions irrespective of reason that caused them.

5.6.24 Charges connected with carrying out of any preventive inspection, general medical surveys, inoculations unless other is stipulated in the insurance contract.

5.6.25. Charges connected with cosmetic or plastic surgery, acupuncture and physiotherapy until other is not stipulated in the insurance contract.

5.6.26. Charges connected with rendering of dental help unless other is stipulated in the contract, except for emergency dental help if it is stipulated by the insurance contract.

5.6.27. Charges connected with treatment of traumas and diseases caused by any sports (professional or amateur) unless other is stipulated in the insurance contract, that should be reflected in the insurance contract and leads to increase of tariff.

5.6.28. Charges connected with treatment of traumas and diseases caused by aviasports, flight on flying device, their piloting (except for cases of flight as the passenger by plane of civil aircraft operated by professional pilot), flight on engineless flying devices, motor gliders, superlight flying devices, parachute jumps, mountaineering, moto and auto racing, diving on depth over 30 meters or without certificate of diver association, any kinds of sports connected with animals and other dangerous kinds of sports unless other is stipulated in the insurance contract that should be reflected in the insurance contract and leads to increase of tariff.

5.6.29. Charges connected with treatment of traumas and diseases caused by participation in officially lead sports competitions unless other is stipulated in the insurance contract that should be reflected in the insurance contract and leads to increase of tariff three times.

5.6.30. Any charges connected with search and rescue actions for location of the Insured in mountains, sea, desert, jungle or other removed areas, including charges on avia and sea search and evacuation on coast from a vessel or from the sea.

5.6.31. Charges connected with inspection and treatment of diseases by non-scientifically recognized methods and charges on purchase of not certificated medical products.

5.6.32. Charges connected with treatment of diseases and traumas caused by criminal or illegal actions of the Insurant, the Insured or the Beneficiary
5.6.33. Charges connected with treatment of traumas and diseases received in motor transportation accident, if:

a.    The Insured drove an automobile without a driving license or was in condition of alcoholic, narcotic or toxic intoxication.

b.    The Insured gave control to a person without a driving license.
c.    The Insured was in a vehicle (as the passenger) driven by a person in condition of alcoholic, narcotic or toxic intoxication, except for public transport.

5.6.34. Charges connected with the Insured’s infringement of rules of preventive maintenance of diseases endemic for the country of temporal stay about which he was informed as well as failure to follow doctor’s instructions.

5.6.35. Charges connected with convulsive attacks at epilepsies.
5.6.36. Charges connected with medical manipulations – iatrogenic damages.
5.6.37. Charges connected with infringement of safety precautions at performance of hired work.

5.6.38. Charges connected with rendering of services by medical institution (doctor) without corresponding license or suspended license.

5.6.39. Charges on purchase of medical products if prescribed, which structure is not revealed by the composer and charges connected with purchase of foodstuff, antasthenics, slimming aids and laxatives given under recipe, cosmetic means, mineral water and additives to bath water.

5.6.40. Charges connected with artificial insemination, treatment of sterility and charges of contraception.

5.6.41. Charges connected with carrying out regenerative, medical or physiotherapy unless other is stipulated in the insurance contract, balneotherapy and heliotherapy.

5.6.42. Charges connected with treatment of oncological diseases including new-onset.

5.6.43. Charges caused by deterioration of state of health connected with treatment which the Insured took before beginning of insurance..
5.6.44. Charges on hospitalization not authorized by the Insurer.
5.6.45. Intention of the Insurant, of the Insured, of the Beneficiary.
5.4.46. Charges as a result of occupational activity upon agreement or under the contract associated with increase of risk unless otherwise is not provided by the insurance contract that shall be specified in the contract and lead to increase in tariff.
5.7. In respect of loss or damage of the personal vehicle in result of accident or breakage of the vehicle the insurance contract shall not cover (not being accidents) charges as follows:

5.7.1. Charges connected with breakage or loss of a vehicle older than 5 years and damage in accident of a vehicle older than 10 years.

5.7.2. Charges connected with damage of a vehicle allowed maximal weight of which exceeds 3.5 tons;

5.7.3. Charges connected with indemnification of civil liability of owners of vehicles;

5.7.4. Charges connected with breakage and/or accident of a vehicle transporting passengers for payment with license or without it.

5.7.5. Charges not negotiated with the Insurer.

5.8.  In respect of posthumous repatriation of body the insurance contract shall not cover (not being accidents) charges as follows:
5.8.1. Charges at symptoms of nervous or mental diseases, and due to suicide, attempt of suicide, deliberate self-maiming;

5.8.2. Charges at reception of narcotic, toxic, strong substances, alcoholic drinks, and due to treatment of traumas at reception of which the Insured was under influence of the above-stated substances;

5.8.3. Charges due to venereal diseases and AIDS;

5.8.4 Charges due toplanned medical care;
5.8.5. Charges due to aviasports, parachute jumps, mountaineering, moto and auto racing and other dangerous kinds of sports unless other is stipulated in the insurance contract (insurance policy);

5.8.6. Charges due to participation in officially carried sports competitions unless other is stipulated in the insurance contract that should be reflected in the insurance contract and leads to increase of tariff;

5.8.7. Charges due to participation in civil wars, national excitements, military operations, mutiny, revolts.
5.8.7. Charges as a result of occupational activity upon agreement or under the contract associated with increase of risk unless otherwise is not provided by the insurance contract that shall be specified in the contract and lead to increase in tariff.
5.8.9. Charges due to treatment of diseases by not scientifically recognized methods and acceptance of not certificated medical products;
5.8.10. Charges connected with consequences of oncological diseases.
5.9.
In respect of insurance of losses of forced refusal from a trip the insurance contract shall not cover (not being accidents) charges as follows:
5.9.1. Alcoholic, narcotic or toxic intoxication of the Insured;
5.9.2. Fulfillment of deliberate actions of the Insured or the Beneficiary directed on approach of an insurance case;

5.9.3. Suicide (attempt of suicide) of the Insured or his close relatives;

5.9.4. Acts of nature and their consequences, epidemics, quarantine, methodological conditions. The present exception does not concern cases stipulated in cl. 3.2.2.c. of the present Rules;

5.9.5. Acts of any authorities and governments except cases listed in cl. 3.2.2.d. and e.;

5.9.6. Non receipt of the entry visa if the Insured had recorded cases of refusal in reception of a visa or infringement of visa restrictions and there were cases of attraction to criminal, administrative or any other responsibility in the territory of host country.

5.9.7. The Insured’s fulfillment of illegal action which have direct cause and effect relationship with approach of an insurance case;

5.9.8. Flight of the Insured before the beginning of a trip on a flying device of any sort, including engineless, except for cases of flight as the passenger by plane of civil aircraft operated by the professional pilot;
5.9.9. Parachute jumps before the beginning of a trip;
5.10.
In respect of insurance of civil liability of the Insured the insurance contract shall not cover (not being accidents) charges as follows:
5.10.1. Fulfillment of professional (labor) activity of the Insurant (the Insured) under a agreement or a contract;

5.10.2. Infliction of moral harm;
5.10.3. Indirect losses including missed benefit;

5.10.4. Responsibility arising from the Insured’s use or operation of auto, moto, avia and water vehicles;

5.10.5. Responsibility of any sort arising directly or indirectly or partially in result of pollution of atmosphere, water or ground;
5.10.6. Damage or harm inflicted by actions or inactivity of the Insured in condition of alcoholic, toxic or narcotic intoxication or their consequences;

5.10.7. Fulfillment by the Insurant, the Insured, the Beneficiary any deliberate action or crime which are in direct causal relationship with an insurance case.

5.10.8. Certain family relations of the Insured person in relation to members of his family.

5.10.9. Damages or losses of the property belonging the Insured by proxy or transferred to him on care or in management for carrying out of any trading, professional or business activity.

5.11. In respect of insurance of luggage the insurance contract shall not cover (not being accidents) charges as follows:
5.11.1. charges due to damage to integrity of luggage;
5.11.2. charges due to partial loss of separate luggage items.
6. INSURANCE SUM
6.1. The insurance sum is the sum of money set by the insurance contract within the limits of which the Insurer bears responsibility for performance of obligations under the insurance contract and which is used to define amount of insurance payment and insurance compensation.

6.2. At insurance of luggage the insurance sum should not exceed the valid cost of the insured property. Such cost is the valid cost of property in place of its location in day of conclusion of the insurance contract. The valid cost is determined according to the sum necessary to purchase an item completely similar to the lost minus deterioration.
For fur products, jewellery (products from precious metals, precious semiprecious stones) the valid cost is determined by estimation according to prices of items of similar type and quality usually set in commission trade.

6.3. At insurance of contingencies the insurance sum is determined under the agreement of parties in accordance with the legislation of the Russian Federation in view of prices applicable on medical services, including dental, medical transportation, repatriation, etc. in district of destination of the Insured.

6.4. At conclusion of the insurance contract concerning charges on payment of urgent messages the insurance sum is determined under the agreement of parties proceeding from the cost of sending of such messages in district of destination of the Insured.

6.5. At conclusion of the insurance contract concerning charges on reception of legal aid the insurance sum is determined under the agreement of parties proceeding from cost of rendering of legal services in district of destination of the Insured.

6.6. At conclusion of the insurance contract concerning charges connected with loss or damage of the personal vehicle in result of accident or breakage of the vehicle the insurance sum is set under the agreement of parties proceeding from cost of delivery of passengers, including driver, to the place of residing in the host country and cost of repair and delivery of a vehicle to the place of repair, cost of tickets for return of the Insured to his permanent address and cost of other services necessary at loss, damage and/or accident of a vehicle.

6.7. At conclusion of the insurance contract concerning losses from forced refusal from a trip the insurance sum is set under the agreement of parties proceeding from amount of expenses which the Insured made for organization of a trip (purchase of tourist ticket etc.), and costs of tickets (aviation, railway, etc.) necessary for return of the Insured to the place of constant residing.

6.8. At conclusion of the insurance contract concerning insurance of civil liability the insurance sum is set under the agreement of parties.

6.9. At conclusion of the insurance contract the parties can set the limit of insurance payments in one insurance case, for one insurance risk, etc. (limits of compensation). Insurance payment under no conditions can exceed the corresponding limits of compensation set in the contract.
6.10. Maximum indemnity limit per event insured occurred due to exacerbation of the event insured, if need for emergency and/or urgent medical care is associated with the threat to life of the Insured amounts to 3% out of total sum insured unless otherwise is not provided by the contract.
6.11. If charges on treatment or other charges exceed in general the insurance sum (limit of compensation) set under the insurance contract, the share of charges exceeding the insurance sum is deducted from the Insured.

6.12. At conclusion of the insurance contract the parties can provide own participation of the Insured in payment of losses (franchise) both in general on a package of risks, and on the certain risks. The franchise as a rule is set as a firm sum of money or in percentage to the insurance sum.
The insurance contract may stipulate deductible – part of losses covered by the contract that is not to be refunded by the Insurer. Deductible shall be conditional (the Insurer waives to compensate losses if its amount does not exceed deductible amount, but compensates it in full in case if losses amount exceeds deductible amount) and unconditional (indemnity amount is determined as difference between losses amount and deductible amount). Particular type of deductible and its amount is stated by the insurance contract. If the insurance contract does not stipulate type of deductible, deductible shall deem be unconditional.
In case if the insurance contract stipulates contract in percents and it is not stated to what sum this percent is applied, it applies to total sum insured under the insurance contract.
Unless otherwise is not provided by the contract, deductible is stated per each event insured.

7. INSURANCE PREMIUM
7.1. The insurance premium is the payment for insurance which the Insurant is obliged to pay to the Insurer according to the insurance contract.
7.2. At definition of amount of the insurance premium subject to payment under the insurance contract the Insurer has the right to apply the insurance tariffs developed by him determining the premium charged from a unit of insurance sum, in view of object of insurance and character of insurance risk (Appendix 2 to the present Rules). Insurance tariff is a rate of premium subject to object of insurance and the nature of event insured as well as other terms and conditions of insurance, including deductible and its amount in accordance with terms and conditions of insurance. Particular tariff rate is stated in the insurance contract.

7.3. The insurance premium is subject to payment lump sum at conclusion of the insurance contract if other order and terms of payment of the insurance premium are not stipulated in the insurance contract. Premium (insurance installments) are paid by the Insurant in currency of the Russian Federation, except for cases stipulated by the currency legislation of the Russian Federation and regulations of currency control authorities.

7.4.
Premium is paid in cash or non-cash.
Unless otherwise is not provided by the contract the date of premium payment (the first installment) shall be:
–    Date of all premium payment (the first, next insurance installment) to the cashier’s office of the Insurer or the date of receipt of all premium amount (the first, next insurance installment) by authorized representative of the Insurer – in cash.
–    Date of receipt of all premium amount  (the first, next insurance installment) to the Insurer’s account or its representative – in non-cash.
Procedure and premium payment terms are set by the insurance contract.
8. CONCLUSION OF THE INSURANCE CONTRACT: CONCLUSION AND TERMINATION
8.1. The insurance contract as a rule is concluded for one year or for the term of stay of the Insured outside his permanent address. Conclusion of the voluntary insurance contract is provided for terms not less period of temporary stay of the Insured beyond territory of the Russian Federation specified by the Insurant.
8.2. If the insurance contract for one year stipulates repeated trips of the Insured abroad the covering extends for the first 91 day of each trip unless other is stipulated in the insurance contract.

8.3. The Insurant represents the Application for the conclusion of the insurance contract and risks assessment to the Insurer in oral or written form. The Application form of the set form is used in writing. The form of the Application is determined by the Insurer in each exact case.
At collective insurance the list of the Insured is enclosed to the Application.

8.4. The insurance contract inures from the moment of payment of the insurance premium by the Insurant (at payment of the insurance premium in form of lump sum) /first insurance payment (at payment of the insurance premium by installments) if other is not stipulated by the contract. The contract shall be effective not later than the date of crossing the state border of the Russian Federation by the Insured if terms and conditions of the contract does not stipulate its conclusion in favour of the Insured being outside the territory of the Russian Federation or in favor of the Insured going on the trip insured throughout the territory of the Russian Federation.
8.4.1. If the insurance contract shall be effective from another date, provided by the contract, nonpayment of premium (its first installment) by the Insured in due terms set by the contract is the Insurant’s expression of will to refuse such contract. In this case the insurance contract is terminated from 00:00 of the day following the date for payment of premium (its first installment) set by the contract that has not been paid in full.
In case of premium payment by installments non-payment of the insurance installment by the Insurant in due terms set by the contract is the Insurant’s expression of will to refuse such contract. In this case the insurance contract is terminated from 00:00 of the day following the date for payment of the insurance installment set by the contract that has not been paid in full and early premium portion paid shall not be refunded.
8.4.2. If the insurance contract is terminated prior to expiry date of its validity due to non-payment of premium (the first, the next insurance installment) within due terms and amount stipulated by the contract, the Insurant in any case is obliged to pay premium for period within which the contract has been valid. The Insurer bears no liability per events insured occurred from the date of termination of (cancellation) of the contract for reasons, specified in cl.8.4.1. of the Rules.
8.4.3. The Insurer bears no liability per events insured occurred from the date of termination of (cancellation) of the contract for reasons, specified in cl.8.4.1. of the Rules. If payment of premium (the first or next insurance installment) after termination (cancellation) of the contract, the funds paid after date of termination (cancellation) of the contract are to be refunded to the Insurant in full within 10 (ten) business days following the date of receipt of statement/notice on transfer of funds, within which bank details are indicated.

8.5. The fact of conclusion of the insurance is proved by the insurance policy given out by the Insurer to the Insurant in day of receipt of the insurance premium/first insurance payment in cash office or into the settlement account of the Insurer or its authorized representative.
8.6. At conclusion of the insurance contract the Insured releases doctors from obligations of confidentiality to the Insurer regarding insurance case.

8.7..
If upon the expiry date of the insurance contract the return of the Insurant from a place of temporary stay insured is impossible due to the event insured that confirmed by medical report, the Insurer continues to fulfill obligations associated with it, including reimbursement of costs to pay for emergency and urgent medical care rendered to a citizen, who is indicated in the voluntary insurance contract (hereinafter “Insured”) at the territory of foreign state (including medical evacuation at the territory of foreign state and from foreign state to the Russian Federation) upon occurrence of the event insured resulted from injury, poisoning, sudden acute disease or exacerbation of chronic disease and (or) return of body (remnants) to the Russian Federation.
8.8. The insurance contract is ceased in cases:
–    Expiry of the term of action;
–    After return of the Insured (mark of border services in the foreign passport about border crossing), but not later than 24.00 hours of dates of termination of insurance specified in the insurance policy (or identification card);
–    In case of execution by the Insurer of obligations under the contract in full;
–    The Insurant’s failure to pay the insurance premium in the terms set by the contract;
–    The Insurant’s refusal from the insurance contract in accordance with cl. 8.4.1. of the Rules.
–    Death of the Insurant being the physical person or liquidation of the Insurant being the legal person;
–    Liquidations of the Insurer in order approved by legislation of the Russian Federation (except for cases of insurance portfolio transfer to another Insurer);
–    Upon mutual written agreement of the Parties;
–    In other cases stipulated by the applicable legislation of the Russian Federation.

8.9. The insurance contract terminates before term if after its coming into force the opportunity of approach of an insurance case disappeared and chance of insurance risk ceased to be from circumstances other than insurance case.
At preschedule termination of the insurance contract in circumstances other than the insurance case the Insurer has the right on part of the insurance premium proportionally to the time of insurance.
The premium subject to compensation is returned within 10 working days starting the date of signing of written agreement on preschedule cancellation of the contract (policy) of insurance.

8.10. The insurant has the right to reject the insurance contract at any time if by the moment of refusal the opportunity of approach of insurance case did not disappear in circumstances other than insurance case.
At the Insurant’s preschedule refusal of the insurance contract the insurance premium paid to the Insurer is not subject to return if the reason of refusal is not fault actions of the Insurer (technical errors in issue of the insurance contract by the Insurer’s representative).
If reasons for refusal are faulty actions of the Insurer, premium paid to the Insurer shall be refunded in full. Premium is refunded within 10 working days from the date of signing Agreement on early termination of insurance policy in writing under bank details specified by the Insurant or in cash office of the Insurer.
8.11. The insurance premium is not returned in case of failure of the Insured to depart to the country specified in the insurance contract at presence of the latter’s applicable visa for a trip and if the Insured declares his failure to depart after expiry of term of insurance specified in the insurance contract.
8.12. In cases stipulated by the applicable legislation of the Russian Federation the Insurer is entitled to demand to early terminate the insurance contract or recognize it as non-effective with reimbursement of losses caused by termination of the contract or recognize it as non-effective in accordance with the applicable legislation of the Russian Federation.
8.13. The Insurer fulfils its obligations to reimburse costs to pay for emergency and urgent medical care rendered to a citizen, who is indicated in the voluntary insurance contract (hereinafter “Insured”) at the territory of foreign state (including medical evacuation at the territory of foreign state and from foreign state to the Russian Federation) upon occurrence of the event insured resulted from injury, poisoning, sudden acute disease or exacerbation of chronic disease and (or) return of body (remnants) to the Russian Federation irrespective of the expiry date of the contract if the event insured occurred within the contract validity term.
9. RIGHTS AND OBLIGATIONS OF THE PARTIES
9.1. The insurer has the right:
9.1.1. To check the information provided by the Insurant and performance of provisions of the insurance contract;

9.1.2.The Insurer aware of circumstances leading to increase in the risk insured (cl.9.4.2. of the Rules) is entitled to ask to change terms and conditions of the insurance contract or pay extra premium proportional to risk increase. If the Insurant (Beneficiary) rejects changes in terms and conditions of the insurance contract or pay extra premium, the Insurer is entitled to terminate the contract in accordance with procedure, stipulated by Chapter 29 of the Civil Code of the Russian Federation.
If the Insurant fails to perform duties, stipulated by cl.9.4.2. of the Rules, the Insurer is entitled to terminate the insurance contract and ask for compensation of losses caused by this termination (cl.5 of Chapter 453 of the Civil Code of the Russian Federation). The Insurer is not entitled to demand to terminate the insurance contract, if circumstances leading to increase in risk insured, have ceased;

9.1.3. To demand from the Insurant the documents certifying approach of insurance case and confirming amount of payable insurance compensation stipulated by these Rules;

9.1.4. To direct inquiries to competent bodies concerning issues related to investigation of the reasons and definition of amount of caused loss;
9.1.5. To find out independently reasons and circumstances of insurance case, amount of loss;
9.1.6. To inspect the given documents;

9.1.7. To request data from organizations having information on circumstances of insurance case;

9.1.8. To carry out physical examination of the Insured by the doctor of the Insurer;

9.1.9. In case if competent bodies have materials giving the Insurer the basis to reject in payment of insurance compensation to delay payment before reveal of all circumstances, notifying the Insured within 10 working days from the date of receipt of all documents;

9.1.10. To make payment of insurance compensation without documents of the competent bodies confirming the fact of approach of insurance case if amount of damage does not exceed 5% (five percent) of the insurance sum (corresponding limit of compensation);

9.1.11. To present claims by subrogation to the persons responsible for caused damage within the limits of sums of paid insurance compensation;
9.1.12. To delay drawing of the insurance act and payment of insurance compensation in case if:
–    There was independent expert appraisal of reasons and circumstances of approach of an insurance case and amount of damage. The delay takes place till the moment of termination of examination and drawing of corresponding document;
–    There is a proceeding concerning an insurance case. The delay can take place till the moment of the enforcement of the judicial act at absence of appeal. In case of appeal the delay takes place till the moment of acceptance of judicial act not subject to appeal.

9.1.13. To demand from the Beneficiary (the Insured) performance of duties under the insurance contract including duties laying of the Insurant but not executed by him at the Beneficiary’s (the Insured’s) requirement for payment of insurance compensation. The risk of consequences of default or untimely performance of obligations which should be executed earlier is born by the Beneficiary (the Insured);

9.1.14. To subtract from the sum of reimbursement of the Insured cost of unused travel papers, not transferred to the Insurer at approach of events specified in cl. 4.1.5.2. 4.1.5.4., 4.1.5.6. of the present Rules.

9.1.15. To take such measures as he considers necessary for reduction of losses, to incur under written order of the Insurant (the Insured, the Beneficiary) protection of his rights and to manage all cases on settlement of losses;

9.1.16. To demand recognition of the contract void if after conclusion of the insurance contract it will be revealed that the Insurant provided the Insurer with obviously false data on the circumstances known to him with essential value for definition of probability of insurance case approach and amount of possible losses from this approach, except for circumstances, which have been ceased Essential circumstances are definitely stipulated by the Insurer in the standard form of the insurance contract (insurance policy) or in his letter of enquiry;

9.1.17.  Demand to deem the contract as void, if the Insured (Insured person) has provided the Insurer with false intentionally information about its health (or the health of Insured person) and/or about scope and cost of medical services, other information required to conclude the contract.
9.1.18. To demand transfer of claims within the limits of cover of medical charges if the Insured has claims to the third party on compensation of harm to his health and these claims are not related to legal aspect of insurance;

9.1.19. To be released from obligations on payment of insurance coverage as far as the Insurant could receive indemnification from claims to the third parties if the Insured refuses from such claims without consent of the Insurer;

9.1.20. To reject insurance payment, notifying hereof the Insured within 10 working days from the date of receipt of all documents if the Insurant (the Insured) or his representative:
a.    Failed to inform the Service company about an insurance case in due time (subject to provisions of cl,10.8.3 of the Rules);
b.    Failed to inform the Insurer all data important for estimation of degree of risk;

c.    If the insurance case occurred by fault of the employer;
d.    If the insurance case occurred at performance of the Insured any kind of works which were not stipulated in his labor contract;

9.2. The insurer is obliged:
9.2.1. To acquaint the Insurant with the present Rules of insurance;
9.2.2. To give out an insurance policy to the Insurant with enclosure of the present Rules in term set by the insurance contract;
9.2.3. To make payment of insurance compensation in cases recognized as insurance ones by the Insurer in terms stipulated bycl. 10.8.7., 10.9.3., 10.10.4., 10.11.10. of these Rules;

9.2.4. To notify the Insured on refusal in payment of insurance compensation in time stipulated by the insurance contract, but not more than 10 working days from the date of receipt of all documents in writing with substantiation of refusal reasons;

9.2.5. At drawing of the insurance contract to formulate precise and unequivocal for interpretation positions;

9.2.6. To not disclose data about the Insurant, the Insured and his property status except for cases stipulated by the applicable legislation of the Russian Federation.
9.3. The insurant has the right:
9.3.1. To get acquaint with the present Rules;
9.3.2. To choose insurance risks at his desire;

9.3.3. During action of the insurance contract to change the Beneficiary named in the insurance contract by other person with written notification to the Insurer, except cases when the Beneficiary declared in the insurance contract executed any duty under the insurance contract or made a demand about payment of insurance compensation to the Insurer;

9.3.4. To receive duplicate of an insurance policy in case of its loss (copy of insurance policy certified by the Insurer);
9.3.5. To terminate the insurance contract according to the present Rules and the legislation of the Russian Federation;

9.3.6. To receive information about the Insurer according to the legislation of the Russian Federation;

9.3.7. On reception of insurance compensation at approach of an insurance case according to provisions of the insurance contract and the present Rules;
9.3.8. To demand carrying out of independent expert appraisal for more exact investigation of reasons of insurance case and amount of occurred losses. The independent expert appraisal is made by the expert (commission of experts) appointed as agreed by the parties. Examination is made at charge of the party which demanded it.If results of examination verify that the Insurer’s refusal of payment of compensation was not proved the Insurer takes up examination charges. Examination charges per cases recognized as non-insured are born by the Insurant..

9.4. The insurant is obliged:
9.4.1. At conclusion of the insurance contract to inform the Insurer all circumstances known to him, important for definition of probability of insurance case and amount of possible losses from its approach if these circumstances are unknown and should not be known to the Insurer, and about all applicable and concluded insurance contracts concerning the property insured by the Insurer. Essential circumstances are at least those stipulated in the insurance application. Data and circumstances concerning definition of degree of risk can be also deemed essential if the Insurer proves that with knowledge of such data and/or circumstances he would had never accepted the given insurance risk or would had accepted it on other conditions;
9.4.2..
Provide the Insurer upon its request with information and documents, specified in cl. 10.8-10.11 of these Rules;

9.4.3 To inform the Insurer immediately during action of the insurance contract about all essential changes in the risk taken for insurance;

9.4.4. To pay the insurance premium (insurance payments) in due time at the rate and in terms stipulated in the insurance contract (policy);
9.4.5. To carry out rules and norms of fire-prevention safety, protection of premises and values, safety of work or other similar norms set by the legislation or other regulations.
9.4.6. Upon the request of the Insurer inform the Insurer in writing about all insurance contracts concluded in respect of object of insurance by the Insurant with other insurance companies. In this case the Insurant is obliged to indicate names of other insurance companies and significant terms and conditions of the insurance contracts (sum insured, number of insurance contracts and their validity terms).

10. INSURANCE PAYMENT
10.1. Losses are understood as:
10.1.1. Losses connected with occurrence of contingencies of the Insured;

10.1.2. Losses connected with occurrence of charges due to cancellation of a trip of the Insured or change of terms of his stay;
10.1.3. Losses connected with occurrence of obligations of the Insured due to cause of harm to life, health and/or property of the third parties;

10.1.4. Losses which resulted in destruction, loss, damage of luggage of the Insured.

10.2. Amount of loss caused to the Insurend and insurance payment are determined by the Insurer on the basis of documents received from law enforcement and control bodies (fire, emergency and other services), over economic and accounting materials and calculations, registration documents, invoices and receipts, conclusions and calculations of legal, consulting and other specialized companies (in case they have a state license), and regarding insurance of risk of a civil liability under obligations due to harm of life, health and/or property of the third parties – on the basis of valid court decision.

10.3. If necessary the Insurer has the right to request the data connected with an insurance case at law enforcement bodies, medical institutions, other enterprises, establishments and organizations having information on circumstances of an insurance case, and has the right to find out causes and circumstances of an insurance case independently.

10.4. Amount of insurance payment is set in view of type and amount of franchise stipulated by the insurance contract.
At establishment of conditional franchise in the insurance contract (policy) the Insurer is exempted from responsibility for loss if its amount does not exceed amount of franchise and loss is subject to full compensation if its amount exceeds amount of franchise.
At establishment of unconditional franchise in the insurance contract (policy) the responsibility of the Insurer is determined by amount of loss minus franchise.
The franchise is determined by agreement of parties at conclusion of the insurance contract in percentage to the insurance sum or in absolute amount.

10.5. The reimbursement is made by payment of services and (or) charges rendered and (or) suffered due to approach of an insurance case directly by the Insured or the Service company carrying out duties of emergency commissioner and paid these charges on place at absence of doubt about of fact of insurance case, and at absence of doubt of fact of the Insured’s right to reception of insurance compensation and the Insurer’s obligation to compensate it, causal relationship between an insurance case and the followed damage.
Thus payment to the Insured is made only in event if he set the charges with the Insurer or his representative (the Service company), however in cases with threat to life of the Insured, the charges suffered by the Insured on out-patient or hospitalization treatment without coordination with the Insurer or his representative (the Service company) are compensated in the Russian rubles within the limits of the sum equivalent to 200 US dollars at granting of all necessary documents connected with approach of an insurance case within 30 calendar days from the moment of return of the Insured from travel or business trip.
Insurance indemnity to the Insured is paid in RUR. at the exchange rate of the Russian Central Bank upon the date of event insured.
The event occurred with the Insured beyond its permanent residence is recognized by the Insurer as the event insured:
•    In the country of temporary residence of the Insured – if the Insurant (Insured) refers to the Service company in accordance with the procedure set by these Rules, should there is no dispute whether the event insured has occurred or the Insured has the right to receive insurance indemnity as well as cause-and-effect relation between the event insured and damage caused.
•    In the Russian Federation – if the Insured provides with original documents confirming the payment of costs incurred associated with the event insured.
10.6. In case of disputes between the Parties about reasons and amount of damage each of the Parties has the right to demand carrying out of expert appraisal. The independent expert appraisal is made at charge of the party which demanded it. In case if results of examination verify that the Insurer’s refusal of payment of compensation was not proved the Insurer takes up examination charges.If the Insurant demanded the examination, charges on it are born by the Insured if the cases were recognized not insurance.

10.7. The Insurer has the right to delay payment of insurance compensation, notifying the Insured within 10 working days from the date of receipt of all documents in case of:
a.    Occurrence of disputes in competency of the Insured on reception of insurance compensation until presentation of necessary proofs;

b.    If by facts connected with approach of an insurance case corresponding law-enforcement bodies caused criminal case, proceeding, litigation or administrative investigation against the Insured or his authorized persons or investigation of circumstances that caused loss – till the moment of end of investigation (process) or proceeding and finding the Insured innocent.

10.8. At approach of event which under provisions of the insurance contract can be recognized as an insurance case on insurance of contingencies:

10.8.1. The Insured should immediately at the first opportunity if other is not specified in the insurance contract address in the Service company or the specialized service center of the Insurer by phone specified in the insurance contract and to inform the dispatcher about the accident, giving the data of insurance documents. Charges on negotiations with the Service company or the specialized service center are compensated by the Insured at presentation of confirming documents if it is stipulated by the insurance contract.

10.8.2. After reception of information the Insurer or the Service company (specialized service center) organizes rendering of the necessary medical, medical and transport and other services the Insured stipulated by the insurance contract and pays charges of the Insured according to the insurance contract.

10.8.3. In case of impossibility to call the Service company before consultation with the doctor or send in a clinic the Insured should make it as soon as possible if the insurance contract does not stipulate obligatory notification of the Service company. In any case at hospitalization or the calling to a doctor the Insured should present the insurance contract to the medical personnel for further coordination of actions with the Insurer by means of Service company.

10.8.4. At impossibility to contact the representative of the Insurer or the Service company (specialized service center) the Insured can independently address the nearest medical institution and present the policy, if the insurance contract does not stipulate obligatory notification of the Service company (specialized service center). In case if the Insured independently incurred charges connected with an insurance case, he should at return from the trip in terms stipulated by the insurances contract to notify the Insurer in writing about the accident and to present the following documents:

10.8.4.1. Application for reimbursement connected with an insurance case with substantiation of the reasons of failure to address the Service company (specialized service center) for rendering of necessary medical aid;

10.8.4.2. The insurance contract or its copy;

10.8.4.3. Original of invoice from a medical institution (on company paper or with corresponding stamp) with indication of surname of the patient, diagnosis, date of reference for medical aid, durations of treatment with list of rendered services with breakdown by dates and cost, with total amount to payment;

10.8.4.4. Originals of recipes prescribed by the doctor for the disease with a stamp of a drugstore and indication of cost of each received medicine;

10.8.4.5. Original of direction on laboratory researches given by the doctor and invoice of laboratory with breakdown by dates, names and cost of rendered services;

10.8.4.6. Documents confirming the fact of payment for treatment, medicines and other services (stamp about payment, voucher for money or bank confirmation on transfer of sum).
All documents in foreign language transferred at the Insurer address should be translated in Russian and notary certified, unless provision of documents in other formis stipulated in the insurance contract.

10.8.5. The Insurer accepts only paid invoices for reimbursement of on out-patient treatment. At presentation of unpaid invoices the Insured is obliged to give written explanations. Unpaid invoices received by the Insured by mail should be given to the Insurer within 15 (fifteen) calendar days from the moment of reception. The Insurer reserves the right to reject the insurance payment if the insurance contract stipulates obligatory addressing in the Service company.

10.8.6. Application and the documents specified in cl.10.8.4. should be given to the Insurer within 30 (thirty) calendar days from the moment of return of the Insured from a trip during which there was an insurance case (with enclosure of translation of originals of the documents in languages other than Russian).

10.8.7. Insurance payment in the form of compensation of charges born of the Insured is made by the Insurer after reception of all requested documents and their notary certified translations,  within 10 working days, except for cases, listed in cl.10.7. of these Rules and cases of invoices payment directly to the Service company.

10.9. At approach of an insurance case on insurance of losses of the forced refusal from a trip:
10.9.1. If the trip insured is organized by travel agency, the Insured shall immediately cancel the contract with travel agency in writing.
10.9.2. The Insured it is obliged to declare approach of an insurance case to the Insurer in writing immediately. The Application should specify character and circumstances of an insurance case, travel agency, if the trip insured is organized by it, date of departure.

10.9.3. The following documents should be enclosed to the Application (and translations of originals of the documents made in languages others than Russian):
10.9.3.1. Original of the contract on grant of tourist services and the documents confirming payment of tourist trip if the trip insured is organized by travel agency;
10.9.3.2. Documents confirming return of part of payment for contract on grant of tourist services by the travel agency to the Insured (accounting of return and the cash warrant  if the trip insured is organized by travel agency);

10.9.3.3. Documents of the transport company, consulate, hotel and other organizations which services the Insured used for organization of a trip abroad, confirming the losses connected with cancellation of travel papers, refusal of booked room in a hotel, etc.;

10.9.3.4. Documents and the data necessary for establishment of character of an insurance case, namely:
– At impossibility to make a trip due to illness, traumas or death of the Insured, his close relatives or a person, going on a jointed trip with the Insured – certificate of the medical institution, notary certified copy of death certificate, documents confirming related connection of the Insured and the close relative, documents confirming jointed trip (travel voucher, package tour, travel documents, hotel documents);
– At impossibility to make a trip due to damage or destructions of the property belonging to the Insured – reports of police or corresponding administrative services confirming  fact of damage;
– At impossibility to make a trip due to proceeding – judicially certified summon;
– At impossibility to make a trip due to call in a military registration office – the summon certified in the military registration office;

In case of refusal to get entry visa by the Insured, its close relative or a person, going on jointed trip with the Insured –official refusal of consulate embassy office (if it has been issued to the Insured, its close relative or a person, going on jointed trip with the Insured and original foreign passport of the Insured, its close relative or a person, going on jointed trip with the Insured, documents confirming sibling connection of the Insured and its close relative, documents confirming jointed trip (travel voucher, package tour, travel documents, hotel documents).
-In case of delay in visa receipt or receipt of visa in terms other than requested by the Insured, its close relative or a person, going on jointed trip with the Insured – original foreign passport of the Insured, its close relative or a person, going on jointed trip with the Insured, documents confirming sibling connection of the Insured and its close relative, documents confirming jointed trip (travel voucher, package tour, travel documents, hotel documents).
10.9.3.5. At preschedule return of the Insured from travel according to cl.3.2.2. i) it is necessary to provide: tickets and documents confirming their cost or documents confirming cost of renewals of travel papers; the document confirming cost of urgent single message; document confirming cost of unused part of hotel accommodation.

10.9.3.6. In result of delay of return of the Insured from travel according to cl.3.2.2.j) it is necessary to provide: tickets and documents confirming their cost or documents confirming cost of renewals of travel papers; document confirming cost of urgent single message; document confirming cost of additional hotel accommodation.

10.9.4. Insurance payment in the form of compensation of charges born of the Insured is made by the Insurer after reception of all requested documents and their notary certified translations within 10 working days, except for cases, listed in cl.10.7. of these Rules..

10.10. At approach of an insurance case on insurance of civil liability of the Insured:

10.10.1. Insurance compensation is paid to the third party who suffered property and/or physical harm in result of actions of the Insured on the basis of court judgment. Amount of losses and insurance payment is determined by the Insurer on the basis of court judgment in respect of the Insured or documents of competent authorities evidencing property and/or physical damage incurred to the third party by the Insured.

10.10.2. The sum of insurance compensation on the given risk includes:
10.10.2.1. In case property damage to the physical or legal person:
a.    Direct valid damage caused by destruction or damage of property which is determined, at full destruction of property – at the rate of its valid cost minus deterioration; at partial damage – at the rate of necessary charges on its bringing in condition which it gas before the insurance case;

10.10.2.2. In case of harm to health or death of a physical person:
a.    Charges necessary for recovery of health (health services, sanatorium treatment, extraneous care, prosthetics, transport charges, etc.) provided that such charges has in direct relation with the occurred event;

b.    Charges on compensation of part of earnings which his dependent persons lose in case of death of the suffered;

c.    Charges on burial;
10.10.3. Besides the sum of insurance compensation on the given risk includes:
a.    Necessary and expedient charges on rescue of life and property of persons harmed in result of an insurance case, or reduction of damage caused by an insurance case;

b.    Expedient charges on preliminary investigation of circumstances and degree of guilt of the Insured;

c.    Charges on proceeding in judicial bodies in prospective insurance cases.
10.10.4. Insurance payment as compensation of the Insured’s charges is made by the Insurer as a lump sum after receipt of all documents and if necessary their notary translations certified within 10 working days, except for cases, listed in cl.10.7 of these Rules.
10.11. At approach of an insurance case on insurance of luggage:

10.11.1. Upon occurrence of the event insured the Insured shall contact competent authorities authorized to settle issues associated with loss (disappearance) or delay of luggage (representatives of carrier, airport and station) to receive documents fixing loss (disappearance) or delay of luggage.
10.11.2. Application and documents to receive insurance indemnity shall be provided to the Insurer within 30 (thirty) calendar days from the date of return of the Insured from the trip insured within which the event insured has occurred.
10.11.3. The Insured shall notify the Insurer in writing in order to get insurance indemnity and provide:
10.11.3.1. The insurance contract (policy) or its copy.
10.11.3.2 Identification document.
10.11.3.3. Written application under the form of the Insurer that shall contain nature, circumstances, date of the event insured and weight of luggage.
10.11.3.4. Original or certified copy of the document by the originator under customary business practices of the carrier or a certificate issued by the official competent authorities, indicating the loss (disappearance) or delay of baggage.
10.11.3.5. Documents certifying compensation payment by the carrier.
10.11.3.6. ticket (itinerary receipt of e-ticket).
10.11.3.7. copies of baggage receipt (shortcuts).
Based on the content of the documents submitted and the circumstances of the event insured, the Insurer may decide to make an insurance payment solely on the basis of the documents specified in cl. 10.11.3.1.-10.11.3.4. of these Rules.
10.11.4. In any case the Insurer shall be provided with all documents associated with the event insured and requested by the Insurer. The Insured shall upon the Insurer’s request provide translations in Russian of above mentioned documents. The Insurer has the right to translate documents in Russian both independently or involving a specialist. The Insurer is entitled to deduct the translation fee from the insurance indemnity if the translation was not provided by the Insured.
10.11.5. The Insurer is entitled to inspect the documents submitted, request information from organizations possessing data on the circumstances of the event insured. The Insurant is obliged to give written explanations to requests of the Insurer associated with the event insured.
10.11.6. If the Insurant has received the insurance indemnity for delay of luggage and subsequently declared event insured regarding loss (disappearance) of luggage, payment is made net of insurance indemnity received for delay of luggage.
10.11.7. Insurance indemnity is paid in RUR,
10.11.8. If lost (disappeared) item has been returned to the Insurant (Insured), it shall refund the Insurer with indemnity received within 15 (fifteen) calendar days after return of lost (disappeared) item.
10.11.9. Insurance payment as compensation of the Insured’s charges is made by the Insurer as a lump sum after receipt of all documents and if necessary their notary translations certified within 10 working days, except for cases, listed in cl.10.7 of these Rules.

11. RESOLUTION OF DISPUTES
11.1. All disputes and disagreements which arise between the Parties of the insurance contract are resolved within 15 (fifteen) days from the moment of reception of the written claim.
11.2. In case if the Parties fail to reach the agreement all disputes are transferred into the general jurisdiction court at location of the claimant or respondent (for the Insurant being the physical person) / arbitration court at location of the respondent (for the Insurant being the legal person).