Comprehensive travel insurance rules

Comprehensive travel insurance rules

  1. Preamble
  2. Insurance Parties
  3. Insurance Object
  4. Insurance Risk Insured Event
  5. Insurance Amount Calculation Method
  6. Insurance Tariff. Insurance Premium
  7. Procedure for Execution, Performance and Termination of Insurance Policy
  8. Validity of the Insurance Policy
  9. Rights and Obligations of the Parties
  10. Actions of the parties in the occurrence of the insured event, procedures for calculating losses or damages and insurance payment
  11. Procedure and period for insurance payment
  12. Denial of insurance claim
  13. Dispute resolution

1. Preamble

1.1. Subject to these Comprehensive Travel Insurance Rules (hereinafter, Rules), Open Insurance Joint Stock Company Ingosstrakh (hereinafter, Insurer) enters into insurance policies related and/or connected to travelers' property interests during transportation or travel. Subject to these Rules, which define the general insurance terms and condition, Ingosstrakh Insurance Company provides the following insurance types:
  • in terms of risks related to accidents — insurance against accidents and illnesses;
  • in terms of risks related to luggage — insurance of individual property other than vehicles;
  • in terms of risks related to travel and in terms of incidental expenses related to luggage insurance — financial risk insurance.
1.2. These Rules are made in accordance with the laws of the Russian Federation and are an integral part of the insurance policy.
1.3. The terms and conditions contained in these Rules shall be binding for the Policy Holder, Insurer, Insured and Beneficiary from the execution of the insurance policy and their addition to the insurance policy (set forth in one document with the insurance policy or on the reverse side of the document) or from the Rules delivery to the Policy Holder against signature.
1.4. The terms and conditions hereof may be amended (deleted or supplemented) upon a written agreement between the parties for execution of the insurance policy of during the validity term of the agreement until the occurrence of the insurance event, unless such amendments contradict applicable law.

2. Insurance Parties

2.1. The Insurer under these Rules is Ingosstrakh Insurance Company, an insurance company established under the laws of the Russian Federation to operate insurance business and licensed for the relevant insurance operations in accordance with the Law of the Russian Federation Concerning the Organization of Insurance in the Russian Federation.
Company Website means the official website of Ingosstrakh Insurance Company in the Internet at: www.ingos.ru
2.2. Policy holders under the insurance policy may be legal entities and legally capable individuals.
The insurance policy may be executed for the benefit of the Policy Holder or any third party stated in the insurance policy, the Beneficiary or the Insured, respectively.

Hereinafter, subject to these Rules and/or the insurance policy executed under these Rules, the provisions related to the Beneficiary shall apply to the Insured, unless it is in conflict with the relevant insurance type.
The property (luggage) insurance policy may be executed for the benefit of the Beneficiary without specifying the Beneficiary's name ("for the account of whom it may concern"). Such insurance policy shall be documented by the insurance agreement to bearer. If the Policy Holder or the Beneficiary execute their rights under such policy, including filing claims for insurance payments, the Insurer shall be submitted with the insurance policy original.

The Insurer may require that the Beneficiary fulfill their obligations under the insurance policy, including the outstanding duties assumed by the Policy Holder, if the Beneficiary claims insurance indemnity.
The Policy Holder may replace the Beneficiary stated in the insurance policy during the validity of such policy by any other person. The Policy Holder shall notify the Beneficiary in writing of any replacement of the Beneficiary.

The Beneficiary shall not be replaced by any other person, when the Beneficiary has fulfilled any duty under the insurance policy or claimed insurance indemnity or insurance amount from the Insurer.
No execution of the insurance policy in favor of the Beneficiary, including when the Policy Holder is such Beneficiary, shall release the Policy Holder from its obligations under the insurance policy, unless the insurance policy stipulates otherwise or the Policy Holder's obligations are fulfilled by the person who is the beneficiary under the insurance policy.
2.3. The luggage may be insured by the Insurer under the insurance policy for the benefit of any person (the Policy Holder or the Beneficiary) interested in retaining such property based on any law or other regulation or contract. The Beneficiary shall be stated in the insurance policy.
2.4. For accident insurance (personal insurance policy), the insurance policy may be executed both on behalf of the Policy Holder and any other individual (Insured).

The personal insurance policy shall be deemed executed for the benefit of the Insured, unless the insurance policy specifies any other person as the Beneficiary. If the Insured dies and there is no Beneficiary, the Insured's successors shall be deemed the Beneficiary.

The personal insurance policy for the benefit of any person, which is not the Insured, including for the benefit of any person, which is not the Insured of the Policy Holder, may be executed only upon the Insured's written consent. If there is no such consent, the policy may be deemed invalid under the Insured's claim or such Insured's successors, if the Insured dies.

The Insured stated in the personal insurance policy may be replaced by the Policy Holder for any other person only upon consent of the Insured and the Policy Holder.
The Beneficiary under the personal insurance policy appointed by the Insured may be replaced only upon consent of such person.

3. Insurance Object

Insurance objects include:
3.1. In terms of risks related to accidents, property interests related to individual injuries and death due to accidents occurring during travel or transportation within the period of the insurance policy.
3.2. In terms of risks related to luggage, property interests of the Policy Holder (Beneficiary) related to the risk of luggage loss or damage.
Subject to a separate agreement between the parties, the insurance object under luggage insurance may also include property interests of the Policy Holder (the Insured) related to any incidental expenses of individuals not related to business operations due to any delays of luggage occurring during the period of the insurance policy.
3.3. In terms of risks related to travel, any Insured's property interests related to the risk of incidental expenses (losses) of individuals not related to business operations incurred in full or partial cancellation or delay of paid travel (i.e., delay in leaving for travel or return from travel due to any reasons set forth in these Rules).

4. Insurance Risk Insured Event

4.1. Insurance risk means any expected event whose occurrence is being insured.
4.2. The insured event is any event stipulated in the insurance policy whose occurrence results in the Insurer's liability to pay insurance indemnity.
4.3. The insurance policy for the period of travel and/or transportation may be executed for one or more risks (insured events) in any combination or in aggregate. The list of risks and events which these Rules acknowledge as insured events and for which insurance is obtained shall be set forth in the insurance policy (certificate of insurance).
4.4. Upon agreement between the parties and application of the relevant rate (tariff) of those established by the Insurer, the insurance policy for travel and/or transportation may be executed:

4.4.1. On the risk of accident (clause 4.5.1 hereof);
4.4.2. On the risk of luggage insurance (clause 4.5.2 hereof);
4.4.3. On the risk of travel insurance (clause 4.5.3 hereof).
4.5. Insured events in accordance with these Rules include:

4.1.5. On the risk of accident:

4.5.1.1. Injury caused to the Insured by the events stated in the Table of insurance payments on accident insurance (Appendix 5 hereto, hereinafter, Table) due to any accident occurring during the period of the insurance policy in the territory set forth in the insurance policy (other than events set forth in clauses 4.5.1.2 and 4.5.1.3 hereof).
4.5.1.2. Injury caused to the Insured during the period of the insurance policy in the territory set forth in the insurance policy which result in the disablement diagnosis of groups 1, 2 and 3 within one year of the accident date;
4.5.1.3. Death of the Insured from the accident occurring during the period of the insurance agreement in the territory set forth in the insurance policy.
For the purposes of accident insurance, accidents shall mean any external short-term event (up to several hours) actually occurring due to various external factors (physical, chemical or mechanical) whose occurrence, nature, time and place may be explicitly determined, arising during the insurance period unexpectedly, inadvertently and beyond control of the Insured that caused injury to life and health of the Insured.
Improper medical procedures are deemed accident only if there is any cause and effect link between them and injury or death of the Insured evidenced by forensic examination and court judgment.
Accidents include no acute or chronic conditions and their complications (both diagnosed earlier and initially) triggered by any external factors, including myocardial infraction, blood stroke, blood tumor, growth, organ failure and congenital abnormality.

4.5.2. On the risk of luggage insurance:

4.5.2.1. Loss or theft of registered luggage discharged at the risk of the carrier (or its authorized person) occurring during the period of the insurance policy or during travel/transportation in the territory set forth in the insurance policy;
4.5.2.2. Damage of registered luggage discharged at the risk of the carrier (or its authorized person) occurring during the period of the insurance policy or during travel/transportation in the territory set forth in the insurance policy;
4.5.2.3. Any incidental costs incurred due to delay of release/delivery of luggage by the carrier during the period of the insurance policy and during travel/transportation in the territory set forth in the insurance policy.
These Rules deem any delay in release/delivery of luggage as occurred and insured for the time stated in the insurance policy, provided that such delay in release/delivery of luggage continued for at least 4 hours, unless otherwise stated in the insurance policy.
For the purposes of luggage insurance, luggage means personal belongings registered as luggage of the person whose property interests are insured under the insurance policy.

4.5.3. On the risk of travel insurance,
insured events upon agreement by the parties may include:
4.5.3.1. On any health problems (travel delay or cancellation):
  • any incidental expenses (losses) related to travel cancellation, changing the time of staying abroad (transferring the travel commencement date to a later date) due to death, injury or hospital treatment which inhibit travel and arise from acute health problems of Insured;
  • Insured's spouse;
  • Insured's family members*;
  • family members of Insured's spouse.
*Subject to the Rules, family members include father and mother, children (including adopted children), native sisters and brothers, grandparents for minors at the time when any insured event arises, grandchildren, if they (grandchildren) failed to travel because their accompanying parent declined the tour.

4.5.3.2. In relation to damage or loss of property:
occurrence of any unforeseen expenses/losses incurred in cancellation of travel, deferred dates of staying abroad (travel commencement date deferred to a later date) due to damage or loss of real property or vehicles owned by the Insured resulting from:
  • fire*;
  • damage caused by water from water supply, sewage and heating systems;
  • damage to the Insured's property by third parties, provided that investigation into the reasons and remedy of any damage effects is made during the period of the insurance policy.
*Fire means occurrence of fire that can independently spread outside of the locations specially intended for making and keeping fire.

4.5.3.3. In relation to court proceedings:
  • unforeseen expenses/losses incurred in cancellation of travel, deferred dates of staying abroad (travel commencement date deferred to a later date) due to any proceedings during the insurance period which involve the Insured as a witness, expert or interpreter in accordance with the court order issued after the effective date of the insurance policy;
4.5.3.4. In relation to conscription in the army (reserve training):
  • unforeseen expenses/losses incurred in cancellation of travel, deferred dates of staying abroad (travel commencement date deferred to a later date) due to conscription of the Insured in the military service or reserve training which prevents travel, provided that the Insured submits any confirmed evidence of receipt by the Insured of notice (summon) after the effective date of the insurance policy;
4.5.3.5. In relation to visa denial:
  • unforeseen expenses/losses incurred in cancellation of travel, deferred dates of staying abroad (travel commencement date deferred to a later date) due to a decision by any consulate authority to deny a visa made before the travel in relation to the Insured, his/her spouse travelling along and their minor children. The insured event by this reason is deemed occurred only if the visa documents are duly completed and filed in accordance with the procedure and on the dates established by the consulate authorities;
4.5.3.6. In relation to any health problems (early return):
unforeseen expenses/losses incurred in the Insured's early return from international travel due to urgent health problems resulting in hospital admission of:
  • the Insured;
  • Insured's family members;
  • Insured's spouse;
or due to death of:
  • Insured's family members;
  • Insured's spouse.
4.5.3.7. In relation to any health problems (delayed return):
unforeseen expenses/losses incurred in the Insured's delayed return from international travel after the end of travel evidenced by medical certificate due to any urgent health problem causing hospital admission of:
  • the Insured;
  • persons travelling with the Insured: a spouse of family members of the Insured; or
  • due to death of persons travelling with the Insured: a spouse of family members of the Insured.
4.5.3.8. In relation to loss of any documents:
  • unforeseen expenses/losses incurred in theft or loss of the Insured's documents, which prevents his or her travel and/or arises during travel/transportation.
4.5.3.9. In relation to any delayed or cancelled flights:
  • unforeseen expenses/losses incurred in cancellation of travel, deferred dates of staying abroad (travel commencement date deferred to a later date) due to delay in and/or cancellation of any internal or international flight (air, rail or bus travel) caused by any mechanical failures of vehicles and/or weather conditions preventing departure. These Rules deem any delay in a domestic or international flight as occurred and insured for the time stated in the insurance policy, provided that such travel delay continued for at least 6 hours, unless otherwise stated in the insurance policy.
4.5.3.10. In relation to unavailable booking:
  • unforeseen expenses/losses incurred in cancellation of travel, deferred dates of staying abroad (travel commencement date deferred to a later date) due to refusal of an air company from boarding the Insured on a domestic or international flight stated in the Insured's travel documents (overbooking).
4.5.3.11. In relation to personnel reduction:
  • unforeseen expenses/losses incurred in cancellation of travel due to preventing travel lawful Insured's reduction at work for reasons beyond his or her control under clauses 1, 2, and 4, Article 81 or clauses 2, 7, and 11, Article 83 of the Labor Code of the Russian Federation.
4.5.3.12. In relation to traffic accidents:
unforeseen expenses/losses incurred in cancellation of travel, deferred dates of staying abroad (flight deferral) due to any traffic accident (hereinafter, traffic accident) which prevents the scheduled travel. These Rules deem a refusal to travel or changing the dates of travel as a result of a traffic accident as the insured event, if a traffic accident occurs during the period of no earlier than 6 hours before and less than 2 hours after the flight departure time stated in the travel documents.

Under these Rules, travel insurance covers only costs (losses) incurred in payment for tickets and hotel accommodation (i.e. costs of transportation and accommodation). Any other travel expenses (costs of transfer, meeting at the railway station/airport, sightseeing, visa support, etc.) which may be included in the total trip (tour) costs are not covered by insurance under these Rules and no expenses (losses) related thereto are indemnified.

4.5.3.13. If any travel is documented on behalf of two persons having a valid insurance agreement with the Insurer on traveler insurance, provided their joint accommodation in a double hotel room, and if the Insurer acknowledges occurrence of any insurance event as stated in clauses 4.5.3.1–4.5.3.12 hereof in relation of one of such travelers, according to a separate agreement between the parties, the event of cancelling/deferral of travel dates may be insured and acknowledged as the insured event in relation to the second person traveling together with the Insured.

4.5.3.14. If such travel is documented in the name of minor children and one accompanying family member, such as mother, father, or grandparents having a valid agreement with the Insurer on travel insurance (such agreement to be executed both in the names of minors and their accompanying person), and the Insurer acknowledges the occurrence of any insured event in relation to such accompanying person under clauses 4.5.3.1–4.5.3.12 hereof, the event shall be deemed occurred in relation to the minors who are prevented from traveling together with their accompanying persons.

4.6. The following shall not be deemed insured events:
4.6.1. For accident insurance, non-insured events include personal injury or other health problems of the Insured, disablement diagnosis or death of the Insured, if they arise or occur:
4.6.1.1. From use of alcoholic, drug and psychoactive substances (indicators of using alcoholic, drug and psychoactive substances may be documented in medical certificates/reports and witness evidence or other documents related to the occurrence) and/or resulting from the Insured being under the influence of alcoholic, drug or toxic and psychoactive substances, which may be documented in medical certificates/reports and witness evidence or other documents related to the occurrence;
4.6.1.2. From any natural disasters and their consequences, or weather conditions, unless the insurance policy stipulates otherwise;
4.6.1.3. If the Insured commits any unlawful act which has a cause and effect link with the insured event;
4.6.1.4. From any seizures of the Insured.

4.6.2. For luggage insurance, non-insured events include loss (forfeiture) and/or damage of luggage or any unforeseen costs due to delayed release/delivery of luggage resulting from:
4.6.2.1. Unlawful act committed by the (Insured)/Policy Holder which has a direct cause and effect link with the insured event;
4.6.2.2. Wear and tear, rust, mold, discoloration and other natural property changes of insured property;
4.6.2.3. Destruction of property by insects or gnawing animals;
4.6.2.4. Willful failure by the Beneficiary (Insured) / Policy Holder to make prompt efforts to save the insured property;
4.6.2.5. Delay in presenting luggage (separate luggage items) for inspection by customs or law enforcement authorities at the airport / other authorized bodies, including border services and authorities.

4.6.3. For travel insurance, non-insured events include costs/losses incurred in travel cancellation or deferral which results from/is caused by:
4.6.3.1. Consumption of alcohol, drug or toxic or psychedelic substances by:
  • the Insured;
  • the Insured's spouse;
  • the Insured's family members;
  • any individual having the insurance policy with the insurer on the travel insurance and traveling together with the Insured;
and/or caused by the fact that:
  • the Insured;
  • the Insured's spouse;
  • the Insured's family members; and
  • any individual having the insurance policy with the insurer on the travel insurance and traveling together with the Insured are under the influence of alcohol, drug or toxic or psychedelic substances.
Indicators of using any alcohol, drug, toxic or psychedelic substances may be documented in medical certificates/reports and witness evidence or other documents related to the occurrence;

4.6.3.2. Suicide (attempted suicide) by the Insured, the Insured's spouse, Insured's family members, or one individual having the insurance policy with the insurer on the travel insurance and traveling together with the Insured (unless the insurance has been valid for 2 years at the time of suicide);
4.6.3.3. Any natural disasters and their consequences, or weather conditions, epidemics or quarantine unless the insurance policy stipulates otherwise;
4.6.3.4. Actions by any authorities and government bodies;
4.6.3.5. Willful acts of the Insured, the Insured's spouse, Insured's family members, or one individual having the insurance policy with the insurer on the travel insurance and traveling together with the Insured and/or any interested third persons aimed at causing the insured event;
4.6.3.6. Any unlawful act committed by the Insured, the Insured's spouse, Insured's family members, or one individual having the insurance policy with the insurer on the travel insurance and traveling together with the Insured which has a direct cause and effect link with the insured event;
4.6.3.7. Service of the Insured in the armed forces and military units (this exception covers no conscription of the Insured in the military service or reserve training, if such risk is insured under clause 4.5.3.4 of the insurance policy);
4.6.3.8. The second decision of the consular office to decline the entry visa regardless of the previous visa denial and/or cancellation of the previously issued visa or the consular office responsible for making a decision on such denial and/or cancellation, unless otherwise stipulated in the insurance policy;
4.6.3.9. Pregnancy (including any abnormal pregnancy) or any health problem related to pregnancy regardless of pregnancy duration, unless otherwise stipulated in the insurance policy;
4.6.3.10. Any health problems related to dental services;
4.6.3.11. Improper passport (or any other identification document), travel documents, tourist voucher and other documents of the Insured, unless otherwise stipulated in the insurance policy;
4.6.3.12. Violation by the Insured, the Insured's spouse, Insured's family members, or one individual having the insurance policy with the insurer on the travel insurance and traveling together with the Insured of the procedure for exiting/entering the country established by the destination state and/or other states previously visited which might have caused the entry visa denial by the consular office;
4.6.3.13. Violation by the Insured, the Insured's spouse, Insured's family members, or one individual having the insurance policy with the insurer on the travel insurance and traveling together with the Insured of any laws (administrative, civil, etc.) of the previously visited state which might have caused the entry visa denial by the consular office;
4.6.3.14. The Insurer shall not be liable for any errors made by consular services, carrier companies, or tourist firms or directly by the Insured or any other legal entities and individuals related to preparing, arrangement and making the trip (unless otherwise stipulated in the insurance policy).

5. Insurance Amount

5.1. Insurance amount is an amount determined in accordance with the insurance policy at the time of its execution which defines the insurance premium amount (insurance fee) and insurance payment related to the insurance event.
No insurance amount for property insurance may exceed its actual value (insured value) at the date of the insurance policy.
In the event of unforeseen costs insurance, no insurance amount may go over the amount of costs (losses) which the Policy Holder (Insurer) would be expected to incur in the insured event.
No parties may challenge the insured property value determined in the insurance policy, unless the insurer, who failed to execute their right to assess insurance risk before the execution of the policy, proves that they were willfully mislead by the Policy Holder in terms of such value.
In the event of personal insurance, the Insurer shall establish the insurance amount in consultation with the Insured in the insurance policy.
5.2. No insurance amount on travel insurance related to the events set forth in clauses 4.5.3.1–4.5.3.12 hereof may exceed the Policy Holder's costs incurred only in payment for tickets and hotel (i.e. transportation and accommodation costs).
5.3. No total payment amount on one or more insured events may go over the insurance amount covering the events and risks under the relevant Sections of these Rules or the insurance policy.
5.4. The insurance policy may establish any other additional insurance amount (liability limits) of the insurer by separate risk types or costs included in the insurance program.
5.5. Insurance amount under the insurance policy (certificate) may be stated in Russian rubles and/or their currency equivalent.

6. Insurance Tariff. Insurance Premium

6.1. Insurance tariff is an insurance premium rate per insurance amount unit depending on the insurance object and insurance risk and other insurance conditions, including insurance franchise and its amount in accordance with the insurance conditions. The specific insurance tariff is defined upon agreement of the parties based on the Insurer's underlying tariffs with regard to insurance period, including insurance risks and events included in the insured event list and any multiplying or decreasing ratio.
6.2. Insurance premium is any payment for insurance which the Policy Holder shall pay to the Insurer (or its authorized representative) according to the procedure and on the dates stated in the insurance policy.
6.3. The insurance premium shall be established by the Insurer in accordance with its tariffs applicable on the date of the insurance policy.
If the Insurer decides to insure any persons younger than 12 or older than 65 years of age against accidents, unless otherwise stated in the insurance policy and covering risks set forth in clauses 4.6.1.2, 4.6.3.3, 4.6.3.8, 4.6.3.9, 4.6.3.11, 12.1.5, and 12.1.6 of the Rules, the insurance premium is payable in accordance with the multiplying factors established by the Insurer to the insurance tariff.
6.4. The Policy Holder shall pay the insurance premium in a lump sum for the total insurance period, unless otherwise provided in the insurance policy.
6.5. The insurance premium shall be set forth in the insurance policy (certificate of insurance) or the insurance premium invoice, which are an integral part of the insurance policy.
6.6. Insurance premium may be payable by non-cash transfer or in cash. If the insurance policy is made in an electronic form, the insurance premium is payable by non-cash transfer.
The insurance premium shall be deemed paid:
  • by non-cash transfer, from the date of crediting the insurance premium to the Insurer's current account; and
  • in cash, from the date of payment of the insurance premium to the Insurer's cash office (to the Insurer's authorized representative against the receipt).
6.7. The insurance premium may be established in Russian rubles or foreign currency equivalent upon agreement between the parties or in accordance with the applicable laws of the Russian Federation.
The Policy Holder shall pay the insurance premium in the currency of the Russian Federation, unless otherwise provided for in the currency laws of the Russian Federation and any regulations enacted by the exchange control bodies under such laws.
The insurance premium stated in any foreign currency equivalent shall be payable in rubles at the rate of the Bank of Russia at the date of payment, unless any other rate is established by the agreement between the parties. As stipulated by the current laws of the Russian Federation, the insurance premium may be payable in foreign currency (currency equivalent).
6.8. Unless otherwise provided for in the agreement of the parties and/or related to any arrangements for the insurance policy execution, the insurance premium shall be payable before delivery of the insurance policy (certificate of insurance) to the Policy Holder and before the commencement of the scheduled travel.
6.9. In case of failure to pay the insurance premium in accordance with the terms and conditions specified in the insurance policy and/or payment of the insurance premium in breach of the insurance policy, the insurance policy shall be deemed ineffective with no implications for the parties thereto.
6.10. Any liabilities of the parties in foreign currency shall be deemed stated in rubles in accordance with the exchange rate of the Bank of Russia at the date defined as the occurrence of the insured event at the payment of the insurance indemnity. For non-cash transfer of money to non-residents, in US dollars or Euro at the rate of the Bank of Russia at the date defined as the occurrence of the insured event at the payment of the insurance indemnity.

7. Procedure for Execution, Performance and Termination of Insurance Policy

7.1. The insurance policy may be made:
  • as an electronic document through the Company's official website;
  • in the normal procedure by direct filing with the Insurer (or its authorized representative) of oral or written statement of an intent to make the insurance policy.
The insurance policy may be made as a certificate of insurance signed by the Insurer with the attached Rules or by making a single document by the parties in accordance with the civil laws of the Russian Federation.
If the insurance policy is made in the electronic form, the Insurer shall send to the Policy Holder the electronic certificate evidenced by the Insurer's enhanced encrypted and certified digital signature.
The electronic insurance policy shall be deemed executed from the date when the Policy Holder pays the insurance premium.
The insurance policy shall be made before the scheduled travel or simultaneously for travel insurance, provided payment (after payment) of hotel accommodation and/or any travel documents and only on the date of payment for such services, unless otherwise provided for in the insurance policy.

7.2. The insurance policy may stipulate a franchise on luggage insurance and travel insurance.
The franchise means a portion of losses defined in the insurance policy which is not subject to indemnification by the Insurer to the Policy Holder or any other person insured in accordance with the insurance policy and is established as a percentage of the insurance amount or as a fixed amount.
Subject to insurance, the franchise may be conditional (the insurer is released from damages, if their amount does not exceed the franchise; however such damage is payable in full, if its amount exceeds the franchise) and unconditional (the insurance payment is defined as a difference between the damage and franchise).
The franchise shall be set upon agreement between the parties and stated in the insurance policy/certificate of insurance.
If there are more than one insured event, the franchise is included in the indemnity for each of them.
If one insured event damages several insurance objects or groups of objects for which the insurance policy contemplates separate franchises, the franchises shall be included in the indemnity for each object or group of objects separately.
The franchise is set as a percentage of the insurance amount stated in the certificate of insurance, unless otherwise provided for in the insurance policy.

7.3. Execution of the Insurance Policy
If the Policy Holder files with the Insurer (or its authorized representative) any oral or written statement of an intent to make the insurance policy, the Policy Holder shall provide the following information:
7.3.1. Last name, first name and patronymic (name) in the Russian language and Latin letters (as stated in a foreign passport), date of birth, address and telephone of the Policy Holder and/or the Insured;
7.3.2. Name, legal address, telephone and bank details (if the Policy Holder is a legal entity, the application shall also include the list of the Insured);
7.3.3. Travel dates;
7.3.4. The territory of stay, and the countries along the travel route;
7.3.5. Travel purpose;
7.3.6. The list of insured risks and events;
7.3.7. The insurance period of each risk;
7.3.8. The list of expenses subject to insurance under travel insurance (carrier's documents and hotel); and
7.3.9. The insurance amount for each risk.

7.4. For the purposes of the insurance policy, the Policy Holder shall advise the Insurer of all circumstances known to the Policy Holder which are essential for the insurance risk assessment.

7.5. The Policy Holder shall advise the Insurer of any known changes in the insurance risk arising during the validity period of the insurance policy.

7.6. To execute the insurance policy, the Insurer may require to file the following documents along with the insurance application:
7.6.1. Questionnaire;
7.6.2. Documents identifying the Policy Holder (for individual Policy Holders);
7.6.3. Documents evidencing good standing of the legal entity Policy Holder;
7.6.4. Documents verifying the representative's identity and authority (if the insurance policy is executed by such representative);
7.6.5. Documents identifying the Beneficiary / Insured;
7.6.6. Documents evidencing the Insured's health condition;
7.6.7. Documents evidencing purchase of vouchers (tour certificate), transportation/travel costs and payment of such costs; and
7.6.8. List of luggage and document evidencing its value.

7.7. Execution of the Electronic Insurance Policy
For execution of the electronic insurance policy, the Policy Holder shall file an insurance application with the Insurer through the Company's website www.ingos.ru by completing the questionnaire and application form for insurance, which is required to include
7.7.1. Last name, first name and patronymic (name) in the Russian language and Latin letters (as stated in a foreign passport), date of birth, address and telephone of the Policy Holder and/or the Insured;
7.7.2. Name, legal address, telephone and bank details (if the Policy Holder is a legal entity, the application shall also include the list of the Insured);
7.7.3. Travel dates;
7.7.4. The territory of stay, and the countries along the travel route;
7.7.5. Travel purpose;
7.7.6. The list of insured risks and events;
7.7.7. The insurance period of each risk;
7.7.8. The list of expenses subject to insurance under travel insurance (carrier's documents and hotel); and
7.7.9. The insurance amount for each risk.
Based on the electronic request stated, without limitation, as an insurance condition and/or questionnaire on the Company's Website, for execution of the insurance policy the Policy Holder shall submit information and documents in the electronic form (including pdf, jpg and other e-files).
The application for the electronic insurance policy shall be executed by a simple electronic signature by an individual policy holder; and an enhanced encrypted and certified digital signature by a legal entity policy holder.
Subject to clause 1, article 6, Federal Law 63-FZ dated April 6, 2011 on Electronic Signature and clause 4, article 6.1 Law of the Russian Federation No. 4015-1 dated November 27, 1992, on the Insurance Business in the Russian Federation, the insurance policy (certificate of insurance) made as an electronic document and signed by the enhanced encrypted and certified digital signature of the Insurer shall be acknowledged by the Parties as an electronic document equal to the paper document signed by the manual signature of an authorized representative of Ingosstrakh Insurance Company.
For electronic insurance, the Policy Holder shall pay the insurance premium (insurance fee) having read the insurance policy and these Insurance Rules to confirm his or her agreement to make the insurance policy on the conditions proposed by the Insurer.
The fact that the Policy Holder has read the Rules and the insurance policy may be confirmed, in particular, by special electronic marks (confirmations) made by the Policy Holder on the Insurer's website.
These Rules or any extract from these Rules (insurance policy conditions) which is generated in accordance with these Rules related to any specific insurance program (insurance product) and underlying the insurance policy shall be additionally included in the insurance policy.
7.8. The electronic insurance policy is made without inspection of the property accepted for insurance and without medical examination of the Insured.
7.9. By making the insurance policy under these Rules, the Policy Holder confirms his or her consent that the Insurer may during the period of the insurance policy process any personal data of individuals stated in such insurance policy. The Policy Holder shall be personally responsible for consents of individual Insured and Beneficiaries for processing of their personal data.
Hereby, processing of personal data shall mean the following: collection, arrangement, accrual, storage, specifications (updating and changing), use, depersonalization, blocking, elimination and other handling of personal data of individuals for the purposes of statistics and insurance risk analysis.
By making the insurance policy under these Rules, the Policy Holder confirms consent for receipt of information on other products and services and renewal of legal relations with the Insurer.
For the above purposes, the Insurer may transfer, including any trans-border transfers, any personal data which become known to it in relation to execution and performance of the insurance policy to the third parties which have the relevant agreements with the Insurer that provide for safe keeping and prevention of any unauthorized disclosure (confidentiality) of personal data.
The Insurer shall procure integrity and non-disclosure of the Policy Holder's personal data for any purposes other than those stated in this clause. The insurance party may revoke its consent to process personal data in full or in part in terms of information on other products and services by giving a written application to the Insurer in any way that enables verification of the receipt date of such application by the Insurer.
If the insurance party revokes his or her consent for processing personal data, the insurance policy shall be terminated in relation to such person, and if such consent is revoked by the personal data subject who is the Policy Holder, the insurance policy shall be terminated in full, except when no consent for personal data processing is required to make the insurance policy. At the same time, the insurance policy is terminated exactly from the date when the Insurer receives the relevant application to revoke consent for personal data processing.
Upon expiry of the insurance policy (including by its termination) and if the personal data subject revokes his or her consent for personal data processing, the Insurer shall destroy such personal data within the period not exceeding one hundred (100) years from the insurance policy termination or from the date when the Insurer receives the application to revoke consent for personal data processing (unless otherwise provided for in the insurance policy).
7.10. The insurance policy is made for the period of travel/transportation, but not exceeding one month, unless otherwise provided for in the insurance policy.
7.11. Transportation means moving of the Insured by air, motor, railway or sea vehicles and internal water-borne vehicles (river, lake or any mixed type).
The period of transportation deemed to be:
  •  for air transportation: a period from the Insured's passing of preflight inspection at the departure place (airport) to board the aircraft at the departure place, but no later than 2 hours before the transportation commencement, to the time when the Insured exits the airport at the destination under control of carrier's authorized persons, including his or her stay in the intermediate flight stops, provided that the Insured stays in the (premises of) the airport;
  • for transportation of rail, motor and sea vehicles, including internal water-borne vehicles: a period from the Insured's (Beneficiary's) arrival to the location stated by the carrier (departure place) for transportation, but no earlier than 30 minutes before the beginning of transportation, and to the time when the Insured exits the airport at the destination under control of carrier's authorized persons, including his or her stay in the intermediate stops required for transportation and regulated by the carrier.
7.12. The insurance policy shall expire:
7.12.1. Upon its expiry date:
  • 12.00 midnight on the policy expiry date stated in the certificate of insurance, if such insurance policy is made for the travel period;
  • at the time when the Insured leaves the destination point (in terms of transportation insurance).
7.12.2. When the Insured returns to his or her place of residence;
7.12.3. When the Insurer performs the obligations under the insurance policy in full;
7.12.4. If the personal data subject completely revokes his or her consent for personal data processing, except when no consent for personal data processing is required to make the insurance policy (clause 9.10 of these Rules);
7.12.5. If the Policy Holder repudiates the insurance policy, if at the time of such repudiation there is no possibility of the insured event occurrence and the insured risk ceases due to circumstances other than the insured event:
7.12.6. If upon the commencement of the insurance policy there is no possibility of the insured event occurrence and the insured risk ceases due to circumstances, other than the insured event; and
7.12.7. Upon agreement between the parties.
7.12.8.    In all other instances under these Rules and the laws of the Russian Federation.
7.13. If upon the execution of the insurance policy, it is identified that the Policy Holder has made any deliberate misrepresentations and/or filed with the Insurer any documents containing deliberate misrepresentations related to the Insured's health condition or any circumstances essential to assessment of any insured risk and violated clause 7.1, the Insurer may claim the insurance policy invalid in accordance with the procedure established in the Civil Code of the Russian Federation.
7.14. Termination of the insurance policy:
  1. If the insurance policy is terminated on the reasons set forth in clauses 7.12.1, 7.12.2, 7.12.3, and 7.17.6, the insurance policy terminates at the time when such reasons are implemented.
  2. If the insurance policy is terminated on the reasons set forth in clauses 7.12.4 and 7.12.5, the insurance policy shall be deemed terminated from the date when the Policy Holder files the relevant application, unless the Policy Holder's application states a later date of the insurance policy termination.
  3. If the insurance policy is terminated on the reasons set forth in clauses 7.12.7 and 7.12.8, the insurance policy shall be deemed terminated from the date set in accordance with the applicable laws of the Russian Federation, these Rules and the insurance agreement or upon the agreement between the parties.
  4. The Insurer is released from its obligation to make insurance payments on any insured events occurring upon termination or expiry of the insurance policy in accordance with this clause.
7.15. Insurance Premium Refund
7.15.1. Unless otherwise stipulated in the insurance agreement, the paid insurance premium shall be deemed completely earned by the Insurer and not subject for refund, in case of early termination of the insurance policy for the reasons stated in clauses 7.12.1, 7.12.2 and 7.12.3 of these Rules.
7.15.2.    In case of early termination of the insurance policy upon the Policy Holder's application (clause 7.12.4 and 7.12.5 of the Rules) filed with the Insurer in writing before expiry of the insurance agreement, the latter shall refund the insurance premium to the Policy Holder in accordance with the Insurer's tariffs applicable in the insurance policy execution; and the liabilities of the parties stated in foreign currency shall be acknowledged as expressed in rubles at the rate of the Bank of Russia at the date defined as the insurance policy execution date for the insurance premium refund in the event of early termination.
7.15.3. No insurance premium at the policy termination based on 7.12.4 and 7.12.5 of the Rules shall be refunded:
  • if the Insured states his or her failure to leave upon the insurance period expiry; and
  • if the insured event occurs under the insurance policy.
7.15.4. In the event of early termination of the insurance policy for the reasons stated in clauses 7.12.6–7.12.8, the Insurer shall refund to the Policy Holder a portion of the insurance premium in proportion to the unexpired insurance period.
7.15.5. For the purposes of addressing the issue of returning the unused insurance premium portion upon the Insurer's request in the event of early termination of the insurance policy, the Policy Holder shall submit the bank account details for non-cash refund of the insurance premium amount (if there are reasons for premium refund and non-cash transfer of money) and the following original documents:
  • Policy Holder's Application;
  • Certificate of Insurance;
  • Foreign passport of the Insured;
  • Internal passport of the individual Policy Holder;
  • Any other documents evidencing the insurance premium refund (in full or in part) and eligibility for its receipt.
7.15.6. The insurance premium under the insurance policy shall be recalculated (refunded) in accordance with the Insurer's tariffs applied in the insurance policy execution. The parties' liabilities expressed in foreign currency are deemed to be stated in rubles at the rate of the Bank of Russia at the date defined as the insurance policy execution date for the insurance premium refund in the event of early termination.
7.15.7. In the event of insurance policy early termination, the insurance premium is refunded within fifteen (15) business days from the Insurer's receipt of documents stated in clause 7.15.5 of these Rules.

8. Validity of the Insurance Policy

8.1. The insurance policy shall become effective on 12.00 midnight of the day following the date of the insurance policy, but no earlier than the time when the Policy Holder pays the insurance premium, unless otherwise stated in the insurance policy. The electronic insurance policy shall be deemed executed from the date when the Policy Holder pays the insurance premium.
The execution date of the insurance agreement shall be the date of issuing the insurance certificate and the execution date of the insurance policy, if the insurance policy is made as a single document.
Luggage insurance shall become effective at 12.00 midnight of the insurance commencement date stated in the insurance agreement, but only upon commencement of travel/transportation and provided that the Policy Holder pays the insurance premium for the total insurance period (unless otherwise stated in the insurance policy). The commencement of travel/transportation means depositing the luggage with the carrier confirmed by the relevant document, unless otherwise stated in the insurance policy.
8.2. The insurance period (the Insurer's liability period) means the period when the Insured (Policy Holder) is covered with the insurance as defined in the insurance policy. Insurance under the insurance policy shall cover only the events occurring during the period stated in the insurance policy. The insurance period shall be defined in the insurance policy for each risk accepted for insurance or generally under the insurance policy.
The insurance policy may stipulate other insurance periods in relation to other risks and insurance areas.
8.3. The insurance policy for luggage insurance shall be made only for the transportation period. The insurance policy for accident risk and/or travel risk may be made both for the transportation period and the travel period, if it is agreed in the insurance policy/certificate of insurance.
8.4. If the insurance policy contemplates multiple travels of the Insured within the insurance period, the Insurer shall be liable only for a specific number of days and/or travels stated in the insurance policy. Each trip to the territory covered by the insurance policy automatically reduces the stated number of days by the number of days spent in the country(ies) covered by the insurance policy. The Insurer's liability shall terminate upon expiry of the limit of travels/transportations (insurance period) set forth in the insurance policy.

9. Rights and Obligations of the Parties

9.1. The Insurer shall:
9.1.1. Deliver the insurance policy;
9.1.2. Explain any provisions contained in the Insurance Rules and the insurance policy, calculation of any changes in the insurance amount during the validity term of the insurance policy, and the calculation of the insurance payment upon request of the Policy Holder, the Insured, the Beneficiary and any persons intending to make the insurance policy;
9.1.3. Make insurance payments, if any event is acknowledged as the insured event, within the timeline stated in clause 11.4 hereof;
9.1.4. Disclose no information on the Policy Holder, the Insured, the Beneficiary or their health condition or their property status, if the Insurer has no obligation to do so.

9.2. The Policy Holder shall:
9.2.1. Promptly pay the insurance premium;
9.2.2. For the purposes of the insurance policy, advise the Insurer of all circumstances known to the Policy Holder which are essential for the insurance risk assessment;
9.2.3. Complete the questionnaire in relation to the Insured upon Insurer's request;
9.2.4. Comply with these Rules;
9.2.5. Promptly contact the authorized bodies for documenting the insured event, if such event arises;
9.2.6. Submit all required document for Insurer's decision to acknowledge the insured event and make the insurance payment;
9.2.7. Notify of the insured event within the stipulated timeline; and
9.2.8. Give written explanations to the Insurer's requests related to the insured event and submit any documents required for making a decision on the insurance indemnity.

9.3. The Insurer may:
9.3.1. Decline the insurance policy as stipulated in the laws of the Russian Federation;
9.3.2. Inspect the insured for assessing his or her health condition for making the insurance policy;
9.3.3. Review the documents submitted for addressing the insured event and making the insurance payment;
9.3.4. Request information from the entities possessing information on the insured event, including the Insured's health condition;
9.3.5. Cause a medical checkup of the Insured by the Insurer's physician upon the insured event, provided the Insured's consent to such checkup;

9.4. The Policy Holder may:
9.4.1. Promptly obtain the insurance certificate (insurance policy);
9.4.2. Request explanations to any provisions contained in the Insurance Rules and the insurance policy, calculation of any changes in the insurance amount during the validity term of the insurance policy, and the calculation of the insurance payment.

10. Actions of the parties in the occurrence of the insured event, procedures for calculating losses or damages and insurance payment

10.1. If any insured event arises, the Insured/Policy Holder and/or Beneficiary shall contact the authorized bodies (hotel administration, carrier's company, local law enforcement bodies, medical institution, etc.) at the place of such event to obtain any documents fixing the occurrence of the insured event under the insurance policy within the timeline set forth by such authorities. Refusal of the above bodies to make the proper documents shall be documented in writing.
10.2. In case of any loss of passport or travel documents, if such risk is covered by the insurance policy, the Policy Holder (Beneficiary) shall contact the Insurer's Service Center and follow its instructions.
The Service Center under these Rules means the special entity (company) whose details are stated in the insurance policy (certificate of insurance) of the Policy Holder and which is responsible for twenty-four-seven provision of services under these Rules upon the Insurer's assignment.
10.3. If any insured event arises under travel insurance, the Insured shall make efforts for prompt cancellation of any travel documents/hotel reservation and minimizing of losses by promptly notifying the relevant organization of the cancellation or deferral of travel.
In the event of willful failure to perform the above requirements, the Insurer independently calculates the penalty in accordance with the penalty schedule of the carrier, hotel, etc. at the date of such event which caused the event resulting in cancellation of the scheduled travel and pays the insurance indemnity based on the above calculation.
10.4. Identifying losses and insurance payment under accident insurance.
10.4.1. The insurance indemnity is payable if the accident occurred during the Insured's stay in the territory covered by the insurance policy during the insurance policy; and if the insurance policy covers the risk of disability diagnosis, also if the injury suffered from the accident results in the disability diagnosis no later than within one year from the accident occurrence date.
10.4.2. If the insurance policy is made in accordance with clause 4.5.1.1 of the Rules, the insurance indemnity shall be determined in accordance with the Table based on the medical document. The total payment for more than one insured event under accident insurance shall not exceed the insurance amount stated in the insurance agreement. The insurance policy shall terminate upon full payment of the insurance amount.
10.4.3. If the insurance policy is made in accordance with clause 4.5.1.2 of the Rules, the insurance indemnity shall be determined as a percentage of the insurance amount:
10.4.3.1. In the event of group 1 disability, 100%;
10.4.3.2. In the event of group 2 disability, 75%;
10.4.3.3. In the event of group 3 disability, 50%.
10.4.4. If the insurance indemnity under the insurance policy made in accordance with clauses 4.5.1.1 and 4.5.1.2 hereof is paid to the Insured under the Table; and the Insured is further diagnosed with any disability (no later than 1 year after the accident occurring during the insurance period), which contemplates the insurance premium in excess of the one previously paid under the Table, the Insurer shall pay the difference within the limit of the insurance amount.
10.4.5. If the insurance policy is made in accordance with clause 4.5.1.3 hereof, the Insurer shall pay full insurance amount set forth in the insurance policy with due account for prior payments, if any.
10.5. Identifying losses and insurance payment under luggage insurance.
10.5.1. If the insurance policy is made in accordance with clause 4.5.2.1, the insurance indemnity shall be payable in amount of RUB 1,500 (unless the insurance policy stipulates any other amount) per each kilogram of the lost luggage, but not to exceed the insurance amount. The insurance payment shall be made in addition to any payments by the carrier in accordance with the transportation rules (unless otherwise stated in the insurance policy).
10.5.2. If the insurance policy is made in accordance with clause 4.5.2.2, the insurance indemnity shall be payable in the amount of costs incurred in any repairs of the damaged property less any carrier's payments made in accordance with the transportation rules (unless otherwise stated in the insurance policy), but not to exceed the insurance amount.
10.5.3. If the insurance policy is made in accordance with clause 4.5.2.3, the insurance indemnity shall be payable in amount of RUB 500 (unless the insurance policy stipulates any other amount) per each hour of delayed luggage above the delay time stated in the insurance policy, but not to exceed the insurance premium.
10.6. Identifying losses and insurance payment under travel insurance.
10.6.1. The Insurer shall indemnify the following expenses incurred by the Insured in cancellation of travel for the reasons specified in clauses 4.5.3.1–4.5.3.5 of the Rules, if it is stipulated by the insurance policy, but not to exceed the insurance amount:
  • for compensation of losses incurred in cancellation of the travel documents as evidenced by the relevant carrier's documents (if travel documents are insured);
  • for compensation of losses incurred in cancellation of any hotel reservation as evidence by the relevant hotel's documents (if hotel reservation costs are insured).
10.6.2. The Insurer shall indemnify the following expenses incurred by the Insured in delay of travel for the reasons specified in clauses 4.5.3.1–4.5.3.5 of the Rules, if it is stipulated by the insurance policy, but not to exceed the insurance amount:
  • incurred in purchasing new economy class travel documents, including any expenses related to their new completion, in amount not exceeding the value of unused travel documents, but not to exceed the insurance amount. Any costs incurred in purchasing new travel documents shall be compensated only if the initial document is not subject to replacement (if travel documents are insured);
  • incurred in compensation of losses related to cancellation of hotel reservations or changing reservation dates as evidenced by the relevant hotel's documents (if hotel reservation costs are insured).
10.6.3.In the event of early return from international travel, if this is stipulated under the insurance policy, due to the reasons set forth in clause 4.5.3.6 hereof, the Insurer shall indemnify the following costs within the limit of the insurance amount set in the insurance policy:
  • for purchasing of travel documents, including expenses on their re-issue, in the amount not exceeding the value of unused travel documents. Any costs incurred in purchasing new travel documents shall be compensated only if the initial document is not subject to replacement (if travel documents are insured);
  • for compensation of losses incurred in cancellation of any hotel reservation as evidence by the relevant hotel's documents (if hotel reservation costs are insured).
10.6.4. The Insurer shall indemnify the following costs incurred by the Insured in his or her delayed return from foreign travel upon expiry of such travel, if it is stipulated in the insurance policy, due to the reasons stipulated in clause 4.5.3.7 hereof within the limit of the insurance amount under the insurance policy:
  • for the Insured's accommodation in a 3-star hotel at most up to five (5) days (if hotel reservation costs are insured);
  • for purchasing of travel documents, including expenses on their re-issue, in the amount not exceeding the value of unused travel documents. Any costs incurred in purchasing new travel documents shall be compensated only if the initial document is not subject to replacement (if travel documents are insured).
10.6.5. If the insurance policy is made in accordance with clause 4.5.3.8 of the Rules, in the event of loss (theft) of passport or travel documents after the effective date of the insurance policy, the Insurer shall pay for:
10.6.5.1. The actual costs or costs to be inevitably incurred by the Policy Holder (Beneficiary) in relation to any issuance of any lost travel documents required for movement and/or leaving the country (the temporary stay territory) within the amount stated in the insurance policy, including any third party services directly related to issuance of any lost (stolen) documents.
The Insurer indemnifies no costs of issuance of any regular documents to replace the lost ones.
10.6.5.2. Unless otherwise expressly stated in the insurance policy, the insured event shall be deemed any cancellation of travel for the reason set forth in clause 4.5.3.8 of the Rules. In this case, the Insurer shall indemnify the following costs incurred by the Insured within the insurance amount set forth in the insurance policy:
  • for compensation of losses incurred in cancellation of the travel documents as evidenced by the relevant carrier's documents (if travel documents are insured);
  • for compensation of losses incurred in cancellation of any hotel reservation as evidence by the relevant hotel's documents (if hotel reservation costs are insured).
10.6.5.3. Unless otherwise expressly stated in the insurance policy, the insurance event may be deemed as changing the dates of stay (delay in flight/return). In this case, the Insurer shall indemnify the following costs incurred by the Insured within the insurance amount set forth in the insurance policy:
  • incurred in purchasing new economy class travel documents, including any expenses related to their new completion, in amount not exceeding the value of unused travel documents. Any costs incurred in purchasing new travel documents shall be compensated only if the initial document is not subject to replacement (if travel documents are insured);
  • incurred in compensation of losses related to cancellation of hotel reservations or changing reservation dates (if the flight is delayed) as evidenced by the relevant hotel's documents (if hotel reservation costs are insured);
  • for the Insured's accommodation of in a 3-star hotel at most up to five (5) days in the event of delayed return (if hotel reservation costs are insured).
10.6.6. If the insurance policy is made in accordance with clause 4.5.3.9, the insured event shall be deemed, if there is an express reference thereto in the insurance policy:
10.6.6.1. Cancellation of the paid travel. In this case, the Insurer shall indemnify the following costs incurred by the Insured within the insurance amount set forth in the insurance policy:
  • for compensation of losses incurred in cancellation of the travel documents as evidenced by the relevant carrier's documents (if travel documents are insured);
  • for compensation of losses incurred in cancellation of any hotel reservation as evidence by the relevant hotel's documents (if hotel reservation costs are insured).
10.6.6.2. Changes in the stay dates (flight/return delay). In this event, the insurance indemnity shall be payable:
10.6.6.2.1. In amount of RUB 500 (unless any other amount is stipulated in the insurance policy) for each full hour of flight delay above the delay period stated in the insurance policy, but not to exceed the insurance premium.
10.6.6.2.2. If expressly stated in the insurance policy/offer, the Insurer shall also indemnify the following costs within the insurance amount stated in the insurance policy:
  • incurred in purchasing new economy class travel documents, including any expenses related to their re-issue, in amount not exceeding the value of unused travel documents, if the flight is delayed for more than 12 hours (unless otherwise stated in the insurance policy) and failure to offer any flight instead. Any costs incurred in purchasing new travel documents shall be compensated only if the initial document is not subject to replacement (if travel documents are insured);
  • incurred in compensation of losses related to cancellation of hotel reservations or changing reservation dates (if the flight is delayed) as evidenced by the relevant hotel's documents (if hotel reservation costs are insured).
10.6.7. If the insurance policy is made in accordance with clause 4.5.3.10, the insurance indemnity shall be payable in amount of RUB 1,500 (unless the insurance policy stipulates any other amount). The insurance payment shall be made in addition to any payments by the carrier in accordance with the transportation rules (unless otherwise stated in the insurance policy).
10.6.8. If the insurance policy is made in accordance with clause 4.5.3.11, the Insurer shall indemnify the following costs incurred by the Insured within the insurance amount set forth in the insurance policy:
  • for compensation of losses incurred in cancellation of the travel documents as evidenced by the relevant carrier's documents (if travel documents are insured);
  • for compensation of losses incurred in cancellation of any hotel reservation as evidence by the relevant hotel's documents (if hotel reservation costs are insured).
10.6.9. If the insurance policy is made in accordance with clause 4.5.3.12, the insured event shall be deemed, if there is an express reference thereto in the insurance policy/offer:
10.6.9.1. Cancellation of the paid travel. In this case, the Insurer shall indemnify the following costs incurred by the Insured within the insurance amount set forth in the insurance policy:
  • for compensation of losses incurred in cancellation of the travel documents as evidenced by the relevant carrier's documents (if travel documents are insured);
  • for compensation of losses incurred in cancellation of any hotel reservation as evidence by the relevant hotel's documents (if hotel reservation costs are insured).
10.6.9.2. Changing the dates of stay (flight delay). In this case, the Insurer shall indemnify the following costs incurred by the Insured within the insurance amount set forth in the insurance policy:
  • incurred in purchasing new economy class travel documents, including any expenses related to their new completion, in amount not exceeding the value of unused travel documents. Any costs incurred in purchasing new travel documents shall be compensated only if the initial document is not subject to replacement (if travel documents are insured);
  • incurred in compensation of losses related to cancellation of hotel reservations or changing reservation dates as evidenced by the relevant hotel's documents (if hotel reservation costs are insured).
10.7. The indemnity procedure and the list of required evidence documents shall be defined in accordance with section 11 hereof.

11. Procedure and period for insurance payment

11.1. The Policy Holder (Beneficiary)/Insured shall notify the Insurer in writing of an insured accident within thirty (30) calendar days from the date thereof.
The application shall set forth the nature and circumstances of the insured event, travel dates, insured event dates, costs incurred and the amount claimed for indemnity. The insured event date hereunder shall be:
  • for accident insurance, the date of injury or any other health problem, including the Insured's death;
  • for luggage insurance, the date of loss and/or damage of luggage registered with the carrier for safekeeping; and the date when the luggage should have been released to the Policy Holder in accordance with the transportation rules, if any luggage is delayed;
  • for travel insurance, the first travel day, if the travel is cancelled; the first scheduled travel day, if the flight is delayed; the date of return to the place of residence, in the event of early return; and the last scheduled travel day, if the return is delayed.
11.2. To indemnify the incurred costs, the Policy Holder (Beneficiary) shall submit to the Insurer the following original documents signed and sealed by the authorized officer along with the application and the original insurance policy:
11.2.1. In case of injury or other health problem set forth in the Table:
  • certificates issued by medical institutions in the country/town of temporary stay indicating the circumstances of the event, date of injury or other health damage, proven diagnosis, list of procedures, term of treatment, type of treatment (out-patient/in-patient clinic);
  • transportation company certificate on the insured accident indicating the circumstances of the event, date of injury or other health damage if an insured accident occurred during transportation;
  • certificates issued by medical institutions at the traveler's residence indicating the proven diagnosis, list of procedures, term of treatment, type of treatment (out-patient/in-patient clinic);
  • identity document;
  • -written consent to provide the Insurer with information on medical condition of the Insured, circumstances of the event occurred.
11.2.2. If any disability group is diagnosed:
  • certificate establishing the group of disability issued in accordance with the laws of the Russian Federation;
  • appointment card to establish the disability group indicating the grounds thereof;
  • certificates issued by medical institutions in the country/town of temporary stay indicating the circumstances of the event, date of injury or other health damage, proven diagnosis, list of procedures, term of treatment, type of treatment (out-patient/in-patient clinic);
  • transportation company certificate on the insured accident indicating the circumstances of the event, date of injury or other health damage if an insured accident occurred during transportation;
  • written consent to provide the Insurer with information on medical condition of the Insured, circumstances of the event occurred;
  • identity document.
11.2.3. In the event of death:
  • certificate of the cause of death;
  • the Insured's death certificate issued by Civil Registry Office;
  • transportation company certificate on the insured accident indicating the circumstances of the event, the date of death or other health damage resulted in death of the Insured if the insured accident occurred during transportation;
  • in the absence of a Beneficiary — documents certifying accession to the inheritance;
  • identity document.
11.2.4. In the event of loss and/or damage of luggage:
  • certificate (other document) issued by the carrier/representative of the carrier to establish the fact of loss or damage of the luggage and include information on number of pieces and total weight of the luggage lost or damaged, the date of the event, circumstances of the insured accident;
  • labels for the luggage lost or damaged;
  • cash voucher (other document) confirming the receipt of compensation due from the carrier and/or third parties;
  • boarding cards, substitute documents;
  • documents of transportation company (airline tickets, railway tickets, etc.);
  • certificate issued by a relevant organization that accepted the damaged luggage for repair, indicating damages, causes of the damages occurred, list of services rendered and prices thereof;
  • payment documents confirming the fact of payment for services of relevant organizations that repaired the damaged luggage;
  • identity document.
11.2.5. In the event of luggage delay:
  • certificate (other document) issued by the carrier/representative of the carrier to establish the fact of the luggage delay and include information on number of pieces and total weight of the luggage lost or damaged, the date of the event, circumstances of the insured event, including the reasons for and duration of delay;
  • luggage labels of the delayed luggage;
  • boarding cards, substitute documents;
  • documents of transportation company (airline tickets, railway tickets, etc.);
  •  identity document.
11.2.6. In the event of paid travel cancellation and/or changing the dates of staying abroad (flight delay; early return from travel or delayed return from travel):
  • documents of the transportation company (airline tickets, railway tickets, etc.) which the Insured should have used;
  • documents of the transportation company (airline tickets, railway tickets, etc.) which the Insured has used;
  • documents confirming payment for unused tickets;
  • documents confirming payment for newly purchased tickets, including expenses for re-issuance thereof;
  • boarding cards;
  • hotel booking;
  • documents evidencing payment for initial hotel booking;
  • documents evidencing payment of expenses incurred in rebooking a hotel room due to changes in the dates of staying abroad;
  • documents of the transportation company on cancellation of the purchased ticket indicating the cancellation date and conditions, amount of penalties related thereto and/or re-issuance documents for the previously purchased ticket indicating the cost of re-issuance;
  • hotel documents to evidence hotel booking cancellation, hotel booking cancellation date, terms of booking cancellation specifying the amount of any charged penalties in this respect and/or any documents related to rebooking of a hotel room specifying any related penalties charged;
  • documents evidencing money refund by the carrier/hotel to the Policy Holder (Insured) of the amount portion due to refusal from the purchased services;
  • documents evidencing payment for hotel accommodation in case of delayed return;
  • foreign travel passport;
  • documents and information required to determine the nature of the insured accident, namely:
  1. ­if the travel is impossible due to illness, injury or death of the Insured or his/her close relatives — a medical report, a notarized copy of the death certificate, documents confirming the kinship between the Insured and close relative. Written consent to provide the Insurer with information on medical condition of the Insured, circumstances of the event occurred, terms of treatment, and diagnosis;
  2. ­if the trip is impossible due to damage or loss of property owned by the Insured, protocols of police, MES or other competent authorities to confirm the fact of damage;
  3. ­if the trip is impossible due to court proceedings, a writ of summons certified by the court indicating the date of service/receipt to/by the Insured;
  4. ­if the trip is impossible due to subpoena to the military enlistment office for conscription in the military service or reserve training, a subpoena certified by the military enlistment office indicating the date of delivery/receipt to/by the Insured;
  5. ­in case of entry visa denial — original official denial of a consulate authority indicating the surname and name of the Insured, date of denial, on the headed paper bearing the seal and signature of the person in charge and original foreign travel passport;
  6. ­in case of loss or theft of documents, the original certificate issued by the police specifying the circumstances and date of the event;
  7. in case of flight delay, the original formal document of the carrier specifying the reasons for the event and duration of the flight; and documents evidencing refund of a portion of money due to refusal from compensation specifying the reasons;
  8. ­if the air carrier declines boarding the flight, the original official document of the carrier specifying the flight date and number, reasons for refusal from boarding and information on any compensation paid and booking other flight;
  9. in case of staff reduction, the original of the employment record book, the original of extract from the dismissal order or any similar document specifying the reasons and dates when the Insured became aware of the dismissal and dismissal dates;
  10. ­if the trip is impossible or the dates thereof are changed (flight delay) due to a road accident, original police protocol (or a substitute document) indicating the accident circumstances, date and time as well as participants.
11.2.7. For payment of indemnity due to flight delay:
  • travel documents of the transport company;
  • boarding cards;
  • flight delay certificate issued by the carrier indicating the flight number and date, causes of the flight delay, length of delay;
  • foreign travel passport;
  • identity documents.
11.3. Documents made in any language other than English or Russian shall be submitted with the attached original of their official translation. In this event, the Insurer shall indemnify no translation costs.
11.4. The following documents shall be submitted upon the Insurer's request:
11.4.1. Documents made (executed) by authorized bodies during any investigation into a criminal case or administrative offense related to the fact or circumstances or reasons of the claimed event;
11.4.2. Documents related to appealing court decisions on a criminal or administrative offense or actions (claims or suits) for damages;
11.4.3. Identity document of the applicant. If the claim is filed through a representative, the documents shall include both documents related to the applicant and those related to payee; and the documents confirming the representative's authority (notarized power of attorney in the name of the individual's representative or a power of attorney certified by a legal entity in the name of a legal entity specifying the authority to receive payment (for receipt of insurance payment by the representative)).
11.4.4. Bank details for transferring insurance payments.
11.5. The Insurer shall decide to pay insurance indemnity within thirty (30) business days from the date when the Insurer receives all required documents set forth in clauses 11.1–11.4 of the rules. The Insurer shall make the payment decision within such time and make the Insured Event Certificate or decline to make such payment.
The Insurer may verify the submitted documents, request information from any entities which possess information on the insured event and written explanations of the Beneficiary/Policy Holder and/or the Insured related to the insured event.
If the insurance payment, refusal to pay or any change in payment amount depend on the outcomes of criminal or administrative proceedings, the timeline for making such decision on the insurance payment and/or making such insurance payment may be extended by the Insurer until the completion of such proceedings or enactment of the court decision (judgment or other order).
If the Beneficiary selects non-cash payment of the insurance indemnity, such payment shall be made within fifteen (15) business days from the approval of the Insured Event Certificate by the Insurer.
If the Beneficiary selects cash payment in the Insurer's cash office as a form of insurance indemnity payment, such indemnity payment shall be made on the day when the Beneficiary/Policy Holder applies for insurance payment upon the execution of the Insured Event Certificate.
The Insurer may pay the insurance payment before the set date.
11.6. The Insurer shall pay the insurance indemnity under the insurance policy for accident insurance regardless of any amount due to the Insured under any other insurance policies and social insurance, social security or damage compensation.
11.7. The Insurer shall pay the insurance indemnity under the insurance policy for luggage insurance less the amounts/compensations received by the Insured and/or due to the Insured under any other insurance agreements and/or as compensation from the carrier, hotel or any other service providers or travel/tour arrangers.

12. Denial of insurance claim

12.1. The Insurer may deny full or partial payment of the insurance indemnity under the insurance policy, if:
12.1.1. There is any failure to notify the Insurer of any insured event on the dates stipulated by these Rules, unless it is proven that the Insurer promptly became aware of the insured event occurrence or that absence of knowledge of the Insurer of the fact could not affect its obligation to pay the insurance indemnity;
12.1.2. In terms of property insurance, there is willful failure to make reasonable and available efforts to minimize possible losses, where such efforts would facilitate minimization of losses;
12.1.3 There is any intent of the Policy Holder, Beneficiary or Insured or negligence of the Policy Holder or Beneficiary where provided for by law;
12.1.4. There is a suicide (attempted suicide) by the Insured, if the insurance has been valid for 2 years at the time of suicide;
12.1.5. There is exposure to nuclear explosion, radiation, radioactive or any other contamination, unless otherwise stated in the insurance policy;
12.1.6. There are military actions and their effects, public unrest, strikes, riots, insurrections, mass outbreaks, acts of terror and their consequences, unless otherwise stated in the insurance policy;
12.1.7. There is any confiscation, seizure, arrest or destruction of the insured luggage or luggage items upon the order of government authorities.
12.2. The Insurer shall not decline the insurance payment by any reasons not stipulated by the laws of the Russian Federation, these Rules or the insurance policy (certificate).
12.3. The Insurer shall decline to pay the insurance indemnity for any events which are not deemed insurance events under these Rules, or for any risks not covered by the insurance policy.
12.4. The Insurer may suspend the insurance indemnity, if it fails to receive the full set of documents under these Rules and/or the insurance policy until the Insurer receives all required documents/information stated in clause 11.2.
12.5. The decision related to decline to pay the insurance indemnity shall be made known to the Policy Holder (the Insured) in writing specifying the reasons for such decline.

13. Dispute resolution

Any disputes related to the insurance policy shall be settled by negotiations. If the parties fail to reach an agreement, the dispute shall be referred to court in accordance with the applicable laws of the Russian Federation.
Disputes with legal entities shall be referred to the Arbitrage Court of Moscow, unless the insurance policy stipulates otherwise.