Terms and Conditions of the Infectious Disease Insurance Policy*
Subject Matter of Insurance means the property interests of the Insured Person regarding any harm to his/her health and death from disease.
Insurer
Renaissance Insurance Group, JSC, licenses SL No. 1284 and SL No. 1284 issued by the Central Bank of the Russian Federation without limitation of the period of validity.
Address: 11 Derbenevskaya Emb., Floor 10, Office 12, Moscow 115114, Russian Federation. Tel.: 8-800-333-8-800, www.renins.ru, PSRN 1187746794366, TIN 7725497022, e-mail: info@renins.com
Beneficiary
The Insured Person/legal representatives of the Insured Person. In the case of the death of the Insured Person – his/her heirs in accordance with the legislation of the Russian Federation.
Insurance risks, sum insured, amount of indemnities, insurance premium, insurance rate:
Total sum insured |
500,000 |
Five hundred thousand rubles |
List of insurance risks |
Sum insured for risk |
Conditions for the payment of the insurance indemnity |
Death from disease* |
500,000 |
One hundred percent (100%) of the insured amount less all previous payments under this Policy |
Temporary loss of the general capacity to work from disease* |
90,000 |
Indemnity shall be paid in the amount of RUB 1,500 (One thousand five hundred rubles) for each day of disability (starting from the first day of such disability, but not more than Sixty (60) calendar days for One (1) insured event |
Total insurance premium under the Policy |
310 |
Three hundred and ten rubles |
*According to the Policy, illness may be understood as a disease first diagnosed during the term of the Insurance Agreement and documented by various laboratory tests: coronavirus infection (CoVID-2019 strain), malaria, anthrax, West Nile virus, tularemia, Dengue fever, and Ebola fever.
The total amount of payments for insured events occurring during the term of the Insurance Policy cannot exceed the amount of the sum insured. The payment shall be made in cash or by wire transfer in RUB at the exchange rate of the Central Bank of the Russian Federation on the date of the payment within Fourteen (14) banking days from the date when the Insurer receives all necessary and additionally requested documents.
Territory and Term of the Policy
Territory of Insurance: worldwide, excluding any war zones/military actions.
Any event will be considered to be the insured event if the disease is diagnosed within Fourteen (14) days from the date of the first or last flight under the Policy. If the diagnosis of the disease occurs in Fourteen (14) days from the date of the first or last flight specified in the Policy, the event will not be considered to be the insured event, and no payment of indemnities is to be made.
Special Terms and Conditions
The introduction of the state of exception or emergency on the territory of the Russian Federation is not an exception according to the coverage of this Policy.
When applying for the insured event, it is necessary to provide the results of the relevant laboratory tests (analyses) or other medical documents confirming the identification of the disease.
Terms and Conditions for the Termination of the Policy
If the Insured Person refuses to comply with the Policy before the beginning of the insurance period, the Insurer shall return the paid insurance premium to the Insured Person in full.
If the Insured Person refuses to comply with the Policy after the beginning of the insurance period, but within Fourteen (14) calendar days (inclusive) from the date of the Policy, the Insured Person shall be entitled to receive a part of the insurance premium paid in proportion to the insurance period, provided that there are no events during the insurance period that have any signs of the insured event. If the Insured Person refuses to comply with the Policy after the beginning of the insurance period, but after Fourteen (14) calendar days from the date of the Policy, the insurance premium will not be returned.
The information about the addresses of the Insurer's offices, where all relevant documents are to be received upon the occurrence of any insured events and other applications, as well as the cases and procedure for receiving such documents in electronic form, shall be posted on the official website of the Insurer and can be obtained by contacting the Insurer's telephone numbers.
Miscellaneous
By accepting the Policy and paying the insurance premium, the Insured Person:
- Confirms the voluntary consent of the Insured Person to conclude the Insurance Agreement on the terms and conditions contained in this Policy and the Insurance Regulations, and also confirms the receipt of the Insurance Regulations, familiarization with them and understanding of their terms and conditions that he/she agrees with and undertakes to comply with them,
- Agrees to familiarize the Insurer with any medical documents related to the health status of the Insured Person in order to resolve any issues related to the performance of the Insurance Agreement, other services and the protection of rights, as well as the consent to the granting of the right of the medical institutions, where the Insured Person has received (receives) any medical and other services, to provide the Insurer with any information constituting a medical secret, including: the information about the fact of the Insured Person's appeal for medical care, state of health of the Insured Person, diagnosis of the Insured Person’s diseases and other information obtained during the examination and treatment of the Insured Person after the occurrence of the disease,
- Confirms the full receipt of the information specified in Clause 2.1.2 of the Basic Standard for the Protection of the Rights and Interests of Individuals and Legal Entities (recipients of financial services provided by the members of various self-regulatory organizations that bring together insurance companies) approved by the decision of the Financial Supervision Committee of the Central Bank of the Russian Federation (Minutes No. КФНП-24 dated August 9, 2018),
- Agrees to interact with the Insurer by contacting the Insurer's offices (by post, telephone numbers and other means) in the cases specifically provided by the Insurance Regulations,
- Agrees to receive any communications and notices from the Insurer (in particular, in electronic form) using the addresses and telephone numbers specified in this Policy,
- Confirms that the Insured Person/Representative of the Insured Person/Beneficiary is not a foreign public official, official of any public international organizations or his/her relative, person holding a public office in the Russian Federation, member of the Board of Directors of the Central Bank of the Russian Federation or person working in any federal public service with the appointment and dismissal ensured by the President of the Russian Federation or the Government of the Russian Federation, person not holding any position in the Central Bank of the Russian Federation, state corporations and other organizations established in the Russian Federation according to federal laws included in the lists of positions determined by the President of the Russian Federation. Confirms that the Insured Person/Representative of the Insured Person/Beneficiary does not have the relevant registration, place of residence (location), bank account in the state (in the territory) that does not comply with the FATF recommendations,
- Gives the Insurer his/her consent to the processing of the personal data of individuals contained in this Policy and other documents transferred to the Insurer for the performance of the obligations hereunder and in order to promote various goods, works and services on the market by the establishment of direct contacts by the Insurer with any means of communication.
The processing of the personal data shall be performed through the collection, systematization, accumulation, storage, clarification (update, change), use, distribution (in particular, transfer), depersonalization, blocking, destruction of the personal data both on paper and electronic media. The consent of the Insured Person will be valid during the term of this Policy and for Five (5) years after its expiration. This consent may be withdrawn by the Insured Person upon the relevant written application sent to the Insurer in accordance with the requirements of Federal Law No. 152 “On Personal Data”,
- Confirms that the Insured Person is not a disabled person of I or II group, does not have a referral to undergo any state medical and social examination, does not need physical assistance for any medical reasons and does not pose any social danger, does not serve in the armed forces, held in a place of imprisonment, has no treatment records of and does not currently suffer from any neuropsychic diseases, oncological diseases, diseases of the cardiovascular system (myocardial infarction, angina pectoris, arterial hypertension, arrhythmia, thromboembolism, vascular aneurysm), hemophilia, tuberculosis, alcohol or drug addiction, myopia (more than seven diopters), diabetes mellitus, diseases of the nervous system (paralysis, epilepsy, temporary loss of consciousness, seizures, etc.),
- Confirms that the Insured Person is not registered in any drug treatment, neuropsychiatric, tuberculosis, dermatology and venereology clinics and AIDS prevention and treatment centers, is not recognized as legally incompetent, profession of the Insured Person is not related to work at sea, work at an altitude of over 15 m, underwater work, work in the oil or gas industry, underground work, work with explosives, dangerous and explosive substances or compositions, work in law enforcement agencies, work as a security guard or officer, other works associated with increased risk and (or) sources of danger, is not engaged in any hazardous outdoor activities/entertainment (for example, air sports, diving, motor racing or martial arts), and does not use motorcycles as a means of transportation,
- Confirms the accuracy of the above-mentioned information and undertakes, when any information specified in this Policy is changed, to notify the Insurer of such changes in writing within Seven (7) business days. The information provided by the Insured Person on the date this Policy will be considered to be relevant until the Insurer receives any notices of its changes,
- Confirms that the Insured Persons is aware of, understands and agrees that the Insurer shall be entitled to request this Policy be declared invalid according to the legislation of the Russian Federation if it is established (after the date of the Policy) that the Insured Person has misled the Insurer or provided deliberately false information when signing this Policy.