Step 5 Completion of the order
According to the rules of traveling zarubej, every tourist crosses the borders of the country, must have a health insurance, it may be required to show at the border.
As an insurance policy is a guarantee of free medical assistance, according to the insurance conditions.
We offer an international insurance policy for medical expenses. The policy guarantees the organization and payment of medical assistance 24 hours a day in Israel, when a sudden illness or accident during a foreign trip or travel inside the country on the terms set out in the insurance Regulations.
If during the journey, there was a need in medical care of the Insured or his representative, urgently need to call customer SERVICE CENTER at the numbers listed on the front or back of the insurance Policy, and to inform:
If the Insured is already in the Clinic – name, address, Department.
Only a timely appeal to the customer SERVICE CENTER will provide timely, adequate medical or other emergency services without payment for it by the Insured.
When traveling , don't forget to bring your traveler's first aid kit and medicines which You use regularly.
We offer the following insurance programs:
"Beach vacation" GVA 50 - insurance coverage of$ 50,000
The cost of insurance for those aged up to 65 - 1$ per day
The cost of insurance for persons aged 65 to 75 years - 2$ per day
The cost of insurance for those aged over 75 years is 3$ a day
The cost of insurance for citizens of the Russian Federation - 2 $ per day
The insurance premium for scuba diving, excursions category Jeep Safari - 2$ per night (up to 65)
"Voyage Optima" (extended insurance options, view) - insurance coverage of € 50,000
The cost of insurance for people under the age of 65 years is 1.5 euros per day
The cost of insurance for persons aged 65 to 75 years - 3 Euro per day
The cost of insurance for those aged over 75 years of age is 4.5 euros a day
The cost of insurance for citizens of the Russian Federation - 3 Euro a day
"Voyage Prestige" (extended insurance options, view) - insurance coverage of € 50,000
The cost of insurance for those aged up to 65 years - 3 Euro per day
The cost of insurance for persons aged 65 to 75 years old - 6 Euro per day
The cost of insurance for those aged over 75 years - 9 euros per day
The cost of insurance for citizens of the Russian Federation - 6 euros per day
"Voyage De Luxe" (extended insurance options, view) - insurance coverage of € 50,000
The cost of insurance for those aged up to 65 years € 7 per day
The cost of insurance for persons aged 65 to 75 years is 14 EUR a day
The cost of insurance for persons aged over 75 years old - 21 Euro per day
The cost of insurance for citizens of the Russian Federation - 14 Euro per day
Other types of insurance You can check with our managers.
3. TERMS OF INSURANCE BUSINESS, PRIVATE AND TOURIST TRIPS
These terms of insurance business, private and tourist trips (terms & Conditions of insurance during the trips) based on the Rules of insurance business, private and tourist travel, approved by order of the General Director of open company "Group the Renaissance Insurance" No. 28-1, dated "03" March 2008. (hereinafter – the Rules of insurance during trips) according to claim 1.9 of these Rules, and are an integral part of the contract of insurance in business, private and tourist trips (hereinafter the insurance Contract).
3.1. The object of insurance.
The object of insurance are not contradicting the legislation of the Russian Federation the property interests connected with unforeseen expenses arising in connection with the insured event during the Insured person's stay in business, private or leisure travel and/or inability of the Insured to make a business, private or tourist trip in connection with the insured event, the validity period of the insurance Contract.
3.2. Reimbursement may be made by means of payment of services rendered in connection with the insured event, the Insured person directly after his return to the place of permanent residence, and/or other organization (Service company) to act as emergency Commissioner, and paid on those expenses.
3.3. In accordance with the Program of insurance under the insurance Contract can cover the following risks (insurance cases):
3.3.1. EMERGENCY MEDICAL CARE
The insurer itself or through a Service company will pay for services for emergency medical care, including surgical and hospital services (except for additional costs associated with the provision of hospital wards of increased comfort, any kind of prosthesis) provided to the Insured person for medical reasons, the need for which emerged during the period of validity of the insurance Contract as a result of an accident or acute illness (excluding aggravation of chronic diseases in the cases prescribed by the insurance Contract).
The insurer will pay and, if necessary, arrange through the Service company service first dental care, the necessity of which is due to acute dental pain and emergency dental care for treatment of injuries sustained in an accident that occurred during the period of validity of the insurance Contract, in the amount not exceeding the sum insured (limit of liability) specified in the insurance Contract.
The insurer itself or through a Service company will pay the cost of certified medications, which were prescribed to treat the consequences of an accident or acute illness covered by the insurance Contract, the doctor treating the consequences of an accident or acute illness covered by this insurance Contract (including the exacerbation of chronic diseases, unless otherwise stipulated in the insurance Contract).
3.3.4. MEDICAL EQUIPMENT
The insurer itself or through a Service company will pay for temporary provision to the Insured of crutches, wheelchairs, other medical equipment and assistive devices if such services are provided as prescribed by a physician in connection with treatment of acute illness or accident occurring during the period of validity of the insurance Contract. The exception is the cost for the repair of medical care.
3.3.5. MEDICAL TRANSPORTATION
The insurer will pay and the Service company will arrange, provided medical necessity the following costs (unless otherwise agreed by the parties in the insurance Contract):
a) transportation of the Insured person from the scene in one of the nearest hospitals;
b) transport the Insured person from the hospital to the airport/ railway station for further return to the place of permanent residence;
b) direct the evacuation of the Insured person (in case of need with medical escort) to the nearest to the permanent place of residence to the airport / railway station, a direct air / rail message if after treatment the Insured person cannot return to the place of permanent residence as a regular passenger and/or return ticket cannot be fully or partially used. If partial usage of the original ticket, the Insurer will pay the difference between the refund amount and cost of the new ticket.
The insurer pays for travel only in economy class.
If medical evacuation of the Insured person in accordance with subparagraphs "a" – "b" provides for the support of the Insured person by a competent person without medical education and training, the Insurer shall be entitled to pay for the ticket in economy class and/or hotel accommodation for an accompanying person. Service company and attending physician determine whether the condition of the Insured person repatriation as a regular passenger or necessary preparations (tools, tools). When invalid return ticket repatriation of regular flights or other appropriate means of transportation.
3.3.6. TRANSPORTATION OF REMAINS
In the event of death of the Insured person during his stay outside his permanent place of residence the Insurer will pay and the Service company will arrange repatriation of the body, the autopsy, the coffin required for transportation and transportation of mortal remains to the airport, a direct air/rail connections and which is the closest to the intended place of burial in the country of permanent residence when the insured event abroad and to the place of permanent residence when the insured event in the territory of Russia. Funeral expenses are not covered.
3.3.7. THE EVACUATION OF CHILDREN
If the children of the Insured person, dependent on him and traveling with him, it would be unattended as a result of acute illness or accident occurred with the Insured person, the Insurer will pay, while a Service company shall arrange for the return of children to the place of their permanent residence.
3.3.8. RETURNING FROM A TRIP
In the case of the death of a relative (father, mother, husband, wife, son, daughter, brother, sister), the Insurer will pay for air or train ticket in economy class, solely for the Insured person returns to the place of their permanent residence if the original ticket cannot be used to return.
3.3.9. LOSS OF DOCUMENTS
In case of loss or theft of required travel abroad documents (passport, visa, and flight) the Insurer will pay the consular fee and the Service the company will provide the Insured person with the information required for execution of formal procedures in the relevant local organisations for the replacement of lost or stolen documents.
3.3.10. LEGAL ASSISTANCE I CATEGORY
The insurer undertakes to arrange for the provision of legal (legal) assistance and to pay for the expenses of the Insured, it would have to produce as a result of its involvement in judicial and extrajudicial (administrative) proceedings during the trip from the causing third party injury, property, property interests of the Insured person; harm to the life, health or property of third parties, which caused the occurrence of civil liability of the Insured person.
3.3.11. VISIT TO EMERGENCY
If the Insured person is hospitalized for a period of more than fourteen (14) calendar days (unless otherwise specified in the insurance Contract) due to accident, acute illness and his life at risk, the Insurer will pay, upon formal request of the Policyholder and/or Insured person (a relative of the Policyholder and/or Insured person), direct and return ticket in economy class and/or hotel accommodation for any person which his relative, a certain Insured person. Conditions of the visit are determined by the insurance Contract.
3.3.12. THE CANCELLATION OF I CATEGORY
The insurer will indemnify the Insured for costs in the amount of not exceeding specified by the insurance Contract the Insurance sum (limit of liability) arising out of refusal to perform the Contract about realization of tourist product of the Insured, associated with compensation of losses (real damage), suffered by the tourist organization or the Insured person, in cases when this refusal is associated with death, or is associated with an accident and/or illness of/threat to their life and caused them hospitalization of the Insured person and/or his relatives (father, mother, husband, wife, son, daughter, brother, sister).
3.3.13. BAGGAGE LOSS
The insurer will indemnify the Insured for the damage caused to it in connection with the loss of Luggage owned by the Insured person, during the official transportation when travelling abroad or return to Russia. The insured must provide documentary proof of lost Luggage. Reimbursement will be made in the amount of the ruble equivalent of 25.according to the CBR exchange rate on the date of payment, unless otherwise provided by the Contract of insurance, per kilogram of baggage, but not more than the specified in the insurance Contract the sum Insured (limit of insurance liability), unless otherwise agreed by the parties. In this case, "conventional units" - the currency of the contract, are established in the insurance Contract.
3.3.14. LOSS AND DAMAGE TO THE VEHICLE
The insurer through the Service company will pay the expenses associated with evacuation, transportation to the border of the Russian Federation or dispose of the vehicle on which the Insured has left abroad, in the event that excludes its further exploitation.
a) If the Insured person after hospitalization due to acute illness or accident during travel is contraindicated for medical reasons direct evacuation to the place of residence, but his stay in the medical hospital is not necessary, the Insurer will reimburse the accommodation costs of the Insured person at the hotel in the amount determined by the insurance Contract, but not more than seven (7) calendar days (unless otherwise specified in the insurance Contract).
b) the Insurer itself or through a Service company will pay for the stay of the Insured person in the hospital, but not more than fourteen (14) calendar days (unless otherwise specified in the insurance Contract) after the repatriation, promoted by agreement between the Insurer and medical institution, which treated the Insured person abroad, provided that his health condition requires continued treatment in the hospital, unless otherwise specified in the insurance Contract.
3.3.16. THE DELAY TRIPS
The insurer shall reimburse the documented expenses of the Insured, made to them due to the delay of the trip due to adverse weather conditions, mechanical breakdowns vehicles certified for international passenger traffic. The insured must register in accordance with the registration rules contained in the ticket issued to him by carrier, and shall provide written confirmation from the carrier that the flight or sailing was delayed due to the above reasons. Such confirmation shall specify the delay time in comparison with time of flight departure indicated on the ticket of the Insured. The amount of insurance compensation is established by the insurance Contract.
The exception is the expenses incurred by the Insured person during the first twelve (12) hours of any delay, unless otherwise provided by the Contract of insurance.
3.3.17. SUPPORT IN AN EMERGENCY
If the Insured person was travelling in a group (two persons) and due to acute illness or accident resulting in hospitalization, remained in the country (place) visits over the period defined by the trip, the Insurer will pay, upon formal request by the Insured person, the return ticket for the flight/travel to the nearest to the permanent place of residence to the airport/railway station, which has direct airline/rail service in economy class/second-class carriage and/or accommodation in the hotel in the amount determined by the insurance Contract, but not more than seven (7) calendar days (unless otherwise specified in the insurance Agreement), for any person on the choice of the Insured with whom the Insured person was travelling and cannot use your return ticket for the return. If partial usage of the original ticket, the Insurer will pay the difference between the refund amount and cost of the new ticket.
3.3.18. TRIP CANCELLATION CATEGORY II
The insurer will reimburse expenses incurred as a result of refusal to perform the contract about realization of tourist product of the Insured related to compensation of losses (real damage), suffered by the tourist organization or the Insured person, in cases when this refusal is based on reasons other than death, acute illness or accident occurred with the Insured person and (or) his relatives, not depending on the will of the Insured person, including:
a) the occurrence of the Insured persons obligation to participate in the investigation as a victim or witness;
b) the occurrence of the Insured persons obligation to participate in judicial hearings as a victim or witness;
b) the emergence of the Insured person's military duties;
g) the refusal to issue an entry visa to the country of intended travel;
d) other circumstances specified in the insurance Contract.
3.3.19. BAGGAGE DELAY
In case of incorrect shipment by carrier baggage and what happened in mind that delays its receipt by the Insured person, the Insurer will reimburse incurred in connection with the reasonable and essential costs (buy clothes, personal hygiene products and the like).
In this case, the Insured must provide the Insurer with written confirmation of the carrier about the delay with an indication of its duration. The insured person must document incurred and the causal link with delay of baggage delivery. The insurance indemnity is paid only if the delay exceed 24 hours, unless otherwise provided by the Contract of insurance.
3.4. Not recognized by insurance cases and are not reimbursed the following expenses:
3.4.1. resulting from the participation of the Insured in civil wars, popular unrest of any kind or strikes, military actions, maneuvers or other military activities, including active service in any armed forces or groups, etc.;
3.4.2. resulting from activities of the Insured sport and/or any kind of physical activity at a professional level (including. sports events, competitions, training, performances, etc.), unless otherwise provided by the Contract of insurance;
3.4.3. the resulting classes are Insured outdoor activities, unless otherwise provided by the Contract of insurance. Under active rest means of Amateur tourism; sports tourism; Amateur sports (in designated areas): water (except diving), underwater (with an instructor to a depth of 10 m), winter sports (skating, skiing, tobogganing, snowboarding, skating, Snowmobiling), mountaineering, air, etc.; sports and games; outdoor games sports, visiting of water attractions, water parks, riding the water slides, diving; hunting (including underwater); flying gliders, paragliders, hang gliders, and other devices for locomotion by air; riding or travelling on boats (rowing and motor), rafts and small boats; bicycles of all types; riding mopeds, motor scooters, scooters, motorcycles, ATVs; recreation camps and tourist and sport facilities, as well as in areas located above 1000 m above sea level; Hiking, climbing, touring caves; tours and travels on vehicles non-road class (vehicles with frame construction, permanent all-wheel drive)sports cars; travel; and travel by horses and other animals; as well as other types of physical activity with an increased risk of injury, except for the cases specified in clause 3.4.2.;
3.4.4. resulting from nuclear explosion, radiation or the direct or indirect effects of radiation exposure;
3.4.5. associated with any complications of health of the Insured caused by pregnancy; and childbirth, abortion (except of miscarriage resulting from an accident), and laboratory methods of examinations related to pregnancy and are not mandatory for the diagnosis and treatment of sudden illness or injury;
3.4.6. which is in a causal connection with the diseases of the nervous system, mental, oncologic diseases, AIDS, sexually transmitted diseases, particularly dangerous infectious diseases (smallpox, plague, cholera, etc.), with diseases that could be prevented by early vaccination, and/or resulting from the breach, by the Insured person preventive quarantine measures,
3.4.7. associated with chronic diseases and their aggravations, consequences of congenital anomalies and mental retardation, relaxia and States that have not yet stabilized and was under treatment until the date of departure, and for which there is a real risk of rapid deterioration;
3.4.8. associated with surgical treatment cardiovascular system, including angiography, angioplasty and bypass surgery;
3.4.9. due to intentional or wrongful acts (omission) of the Insured person and/or the Insurer, directed on occurrence of the insured event (including the trip for medical contraindications and recommendations to cancel the trip the doctor made to the medical activities in accordance with the legislation of the Russian Federation or a state; suicide, attempted suicide, self-injury; violation of the recommendations of the tour operator, his representative, local authorities of the country trips in the observance of security measures in the host country, the violation of the regulations of the local authorities of the country of travel, etc.);
3.4.10. resulting from the control of the Insured aircraft (motorized and non-motorized parachutes of all types), any other kind of vehicle (except passenger cars), requiring formal management rights;
3.4.11. associated with compliance by the Insured person of any kind of work defined by the labour or civil-legal documents (instructions), unless otherwise provided by the Contract of insurance;
3.4.12. associated with the purchase/repair of medical AIDS;
3.4.13. related to damages for loss of profit, moral damage; costs associated with the professional errors of doctors;
3.4.14. the treatment of the Insured initiated and continuing during the term of insurance;
3.4.15. associated with any harm and/or damage resulting from the Insured committing illegal acts, and/or causal relationship with the use of alcohol, narcotic or toxic substances, besides substances which were accepted in accordance with the purpose of a qualified physician and were not associated with the treatment of drug addiction or alcoholism. In the case of suspected alcohol/drug intoxication at the time of occurrence of the insured event, the representative of the Insurer, Service company, has the right to require the Insured medical examination on availability of alcohol/drugs in accordance with the laws of the host country. In case of establishment of fact of alcoholic/narcotic intoxication, and also in case of refusal of the Insured from a medical examination, payment of insurance indemnity is not effected;
3.4.16. medical examinations, care, or laboratory tests not related to a sudden illness, and unnecessary for diagnosis and treatment;
3.4.17. on computed tomography, and magnetic nuclear resonance;
3.4.18. any prosthetics (including dental and eye) and osteosynthesis;
3.4.19. the costs of insured events listed in paragraphs.3.3.2-3.3.6, when the trip was undertaken for the purpose of obtaining treatment;
3.4.20. the costs associated with treatment at the resort and in the resort;
3.4.21. for medical evacuation or the transportation of the Insured due to minor illnesses or injuries that are treatable at the place of residence of the Insured and not hinder the continuation of his trip;
3.4.22. rehabilitation (rehab) treatment, physio - and manual therapy, exercise therapy, massage, acupuncture, except as expressly provided by the Contract of insurance;
3.4.23. cosmetic and plastic surgery (unless cosmetic surgery is caused by injury resulting from an accident occurring during the insurance period);
3.4.24. to the preventive vaccination, vaccination, disinfection, medical examination;
3.4.25. for the treatment of alcoholism, drug and substance abuse;
3.4.26. on scientifically recognized methods of examination and treatment; acquisition of non-certified medications;
3.4.27. for treatment made by relatives of the Insured person.
3.5. Non-refundable costs related to the provision of Insured services emergency medical treatment under the Conditions of insurance during the travel, if such expenses are in causal connection with the diseases that existed at the time of conclusion of the insurance Contract and requiring treatment or dental care prior to the period of insurance, as well as diseases, their complications and consequences of accidents for which the Insured received treatment within the last 6 months before conclusion of the insurance Contract.
The insurer shall be entitled not to apply this restriction to medical care related to life saving or required medical intervention to prevent prolonged or permanent disability and/or death of the Insured person, provided that this is specified in the insurance Contract.
3.6. Insurer shall not compensate expenses for the risk of “Legal assistance to category I” to persons accused of terrorism; on issues related to the protection of consumer rights of the Insured person; judicial and extra-judicial costs of an Insured person, such as notary fees, state duties and other compulsory fees, fines awarded (imposed) by the authorized body of monetary sanctions.
3.7. Not covered by this insurance the costs can complicate the healing process (including death) effects are listed in the exceptions of illnesses and procedures.
3.8. The order of interaction of the parties when the insured event:
7.1. When the insured event the Insured must contact the authorized representative of the Insurer and Service Company by phones specified in the insurance Contract, and to act in strict accordance with the recommendations received.
The insurer will reimburse the cost of one phone call or one Fax message the provision of the relevant detailed invoices with a mark about payment.
7.2. Upon the occurrence of the insured event and the absence of contraindications, the Insurer shall be entitled to repatriate the Insured for further treatment at his place of permanent residence.
7.3. In case if the Insured paid its own expenses, upon return to the permanent place of residence he shall submit a written request to the Insurer.
7.4. The statement must be provided to the Insurer in writing by the Policyholder or the Insured within 30 (thirty) days after any incident or not later than 5 (five) days after returning to their place of residence. All certificates, information and evidence requested by the Insurer, should be submitted free of charge and shall be such form and of such content as will require the Insurer. Within 15 (fifteen) days after receipt of the application and all necessary documents and recognition event insurance event, the Insurer draws up the statement about insured event.
7.5. For reimbursement of expenses the Insured or the Policyholder must attach the following documents: original of the insurance Contract; the originals of the documents confirming the fact of occurrence of the insured event (on the letterhead or with the appropriate stamp) with the name of the Insured, the diagnosis, the nature of the insured event, the list of services provided, date of provision of those services and their costs, as well as other documents justifying the right of the Policyholder or the Insured to receive insurance compensation.
7.6. If the insured event occurred on the territory of a foreign state, the Insurer is entitled to require from the Insured an official document on a bill of exchange the national currency in which paid the bills in a freely convertible currency, as well as the official translation presented for payment invoices and documents on Russian language. Translation of documents is carried out at the expense of the Insured person.
3.9. In the insurance Contract the Parties can specify the amount of uncompensated costs the Insurer – the franchise exempting the Insurer from compensation of the expenses, not exceeding a certain size.
3.10. The deductible may be conditional or unconditional and determined as a percentage of the sum insured or in absolute amount of:
3.10.1. When establishing a conditional (not deductible) deductible, the Insurer is not obliged to pay insurance indemnity for expenses, not exceeding the amount of the excess, but shall reimburse completely in excess of the amount deductible.
3.10.2. At establishment of unconditional (deductible) franchise, in all cases be reimbursed minus the amount of the franchise.
4. THE CONDITIONS OF INSURANCE AGAINST ACCIDENTS AND DISEASES
These conditions of insurance against accidents and diseases (hereinafter – the Terms accident insurance) is based on the Rules of voluntary insurance from accidents and diseases, approved by Order of the General Director of open company "Group the Renaissance Insurance" No. 23 of "24" February, 2009. (hereinafter – Regulations accident insurance) and are an integral part of the contract of insurance in business, private and tourist trips (hereinafter the insurance Contract).
4.1. The object of insurance are property interests Insured, connected with causing harm to his life, health and disability.
4.2. In accordance with the Program of insurance under the insurance Contract can cover the following risks (insurance cases):
4.2.1. The death of the Insured due to accident.
4.2.2. Disability of the Insured due to accident.
4.2.3. Injuries of the Insured resulting from an accident provided for in the Table of indemnities (paragraph 4.2.7. Conditions accident insurance).
4.2.4. The events provided.. 4.2.1. - 4.2.3 Conditions of accident insurance, are recognized as insured events if they occurred during the period of insurance (in accordance with clause 2.7. these Terms of travelers insurance) and confirmed by documents issued by competent authorities in accordance with the established procedure (medical institutions, the Commission, the court and other).
4.2.5. When the insured event Death of Insured in accident insurance is paid as a lump sum in the amount of 100% of the contractually agreed sum insured under this type of insurance.
4.2.6. When the insured Disability insurance Insured is paid a lump sum in the size in setting I group disability - 100%; II group - 75%; III group - 50% of the contractually agreed sum insured under this type of insurance. When establishing a person under the age of 18 (eighteen) years of age category "disabled child" is the insurance payment in the amount of 100% of the contractually agreed sum insured under this type of insurance.
4.2.7. Insurance payments at insured event Bodily injury of the Insured are carried out in accordance with the Table of the insurance company (get acquainted with the table available upon request):
4.3. The total amount of payments under a contract of insurance with liability for all insured events that occurred with the Insured and specified in the insurance Contract, may not exceed the sum insured stated in the Contract in respect of that Insured for all insured events together.
If the Insured the insurance indemnity was paid by one of the insured events, and then stepped the need to pay for another insurance case resulting from the same accident, the amount of the insurance indemnity on the first insured event will be deducted from the insurance indemnity on insured event the second.
4.4. The events listed in clause n. 4.2.1. - 4.2.3. Conditions accident insurance is not insurance recognised if they occurred in the following circumstances and/or are not recognized as insurance events the following event:
4.4.1. Set forth in paragraphs.3.4.1.-3.4.4., 3.4.6., 3.4.9.-3.4.11., 3.4.15., 3.4.19 conditions of insurance while traveling.
4.4.2. The Commission or attempted Commission of a crime of the Insured and/or Insured's participation in illegal activities, being in direct causal connection with the insured event.
4.4.3. War, intervention, military actions of foreign troops, armed clashes, and other similar or related events (regardless of whether war is declared), civil war, mutiny, coup, civil unrest other, involving the escalation of the civil or military uprising, rebellion, armed or otherwise illegal seizure of power. Each of these events must be confirmed by the statement of the competent authorities.
4.4.4. If the Insured at the time of occurrence of the event having signs of the insured event or when you call for medical help or examination of the Insured by the authorized bodies upon this event were in a state of alcoholic (the content of ethyl alcohol in biological fluids; tissues; exhaled air greater than 0.5 (five tenths) ppm, while if there are more than two indicators, and they differ, the basis is of greater value or at a fixed state of alcoholic intoxication in the medical records), toxic or drug intoxication and/or poisoning, or under the pharmacological effects of the drugs as a result of his use of narcotic, toxic, potent, psychotropic and other substances without prescription.
This exception does not apply to events which occurred with the Insured in a state of intoxication, if the Insured was a passenger of the vehicle and the driver of the vehicle had the right to control the vehicle and not was in a condition of alcoholic, toxic or drug intoxication and/or poisoning, or under the pharmacological effects of the drugs as a result of his use of narcotic, toxic, potent, psychotropic and other substances without prescription.
4.4.5. The Commission or attempted Commission of intentional actions by the Policyholder, the Insured or the Beneficiary, as well as persons acting on their behalf, for the purpose of receiving insurance payment or directed to the insured event.
4.4.6. All diseases and conditions, which are influenced by pregnancy or childbirth, their complications or consequences, including abortion, artificial and premature birth, except in cases that threaten the life of the Insured, and conditions associated with pregnancy and childbirth and listed in the Table of indemnities (Annex to the insurance Contract).
4.4.7. Diseases or their consequences, consequences of accidents that occurred before the beginning or after the end of the insurance period, due to the insurance Contract (insurance), about which the Insurer has not been informed in advance.
4.4.8. If self Insured, leading to the deterioration of health or worsening of the pathological process.
4.4.9. When handling Insured for medical help, using any available means within 24 hours in case of an accident.
4.4.10. In case of refusal of the Insured from the proposed treatment, leading to disability of the Insured or prolong the healing process.
4.5. The order of payment of insurance indemnity:
4.5.1. When the insured event the Insured shall within a reasonable time, but not later than within thirty one (31) days after the occurrence of an insured event, to notify the Insurer about the incident.
4.5.2. Insurance payment is made in cash or in the form of cash to the Bank account of the Policyholder, the Insured or the Beneficiary according to the current legislation of the Russian Federation.
4.5.3. To receive insurance indemnity the Insurer shall be given the original of the insurance Contract and the following documents:
126.96.36.199. Insured person:
the statement of the established form; the original document certifying the identity of the applicant; the original documents therapeutic-preventive or other medical institution, physician, medico-social expert Commission (msec); other documents confirming the fact of occurrence and the severity.
188.8.131.52. The beneficiary (legal heir of the Insured) in connection with the death of the Insured:
the statement of the established form; the original document certifying the identity of the applicant; original or notarized copy of the death certificate of the Insured issued by the agencies of registration of acts of civil status (registry office); a copy of a forensic medical or postmortem examination of the corpse, certified by the chief physician or head of the institution conducting the study of the corpse, the medical history of the disease with post-mortem diagnosis (in the case of death in hospital) or discharge from outpatient cards (in case of death at home); the original certificate of inheritance issued by a notary; other documents confirming the fact of occurrence and the cause of death.
5. CONDITIONS OF INSURANCE OF CIVIL LIABILITY OF THE NATURAL PERSONS WHILE TRAVELING
These conditions of insurance of civil liability of the natural persons while traveling (hereinafter the insurance terms and Conditions) formed on the basis of Rules of insurance of civil liability of natural and legal persons, approved by order of the General Director of open company "Group the Renaissance Insurance" No. 116-1 from on 07 December 2007. (hereinafter – the Rules of insurance) in accordance with claim 1.3 insurance Regulations and are an integral part of the contract of insurance in business, private and tourist trips (hereinafter the insurance Contract).
5.1. Insurance event is a fact of causing the insured/Insured harm to Third parties when the Policyholder/Insured insured activity, resulting in occurrence in accordance with the legislation of the Russian Federation, civil liability for compensation of damages.
5.2. Under insured activity means the Commission of the Insured/Insured person tourist trips (both on the territory of the Russian Federation and abroad, in accordance with the insurance Contract) during the period of validity of the insurance Contract.
5.3. The fact of infliction of harm to life, health and property of Third parties must be confirmed by a legally effective decision of the court in accordance with the legislation of the Russian Federation. The requirements of Third parties for compensation of damage caused to their life, health or property, shall be submitted to the Insured/Insured person during the validity period of the insurance contract.
5.4. Causing harm to several persons as a result of the impact of a number of sequentially (or simultaneously) the encountered events (e.g. fire, explosion etc) caused by the same reason, is regarded as one insured event. All claims for compensation for damage claimed as a result of such event will be deemed declared at the moment when the first of these requirements is claimed in respect of the insured/Insured.
5.5. Insurance cover (protection).
5.5.1. Obligations of the Insurer arising in connection with the insured event, include obligations to meet the following requirements on the basis of the implemented in accordance with the legislation of the Russian Federation in force of the court decision:
a) caused to life and health of Third parties ("physical damage");
b) caused to the property of Third parties ("property damage").
5.5.2. The insurer will reimburse the Insured for reasonable expenses for the conduct of judicial Affairs on alleged cases of harm within the insurance limit of liability established p. 184.108.40.206. Conditions of insurance GO.
5.5.3. The insurer shall also compensate within the limit of liability insurance established by p. 220.127.116.11. Insurance conditions, the Insured necessary and reasonable expenses to mitigate losses and saving of lives and property of persons in the accident is injured.
5.5.4. Non-refundable expenses caused by or associated with satisfaction:
a) for damages resulting in lost profits of any Third party;
b) for damages caused to Third parties, in excess of amounts established by a legally effective court decision;
c) compensation for moral damage or harm caused to business reputation of a legal entity;
d) for damages caused during participation in sports competitions (the competitions) or in the process of training for them, if the Policyholder/Insured was performing (or preparing to speak) as a part of it, unless otherwise provided by the Contract of insurance subject to payment of an additional insurance premium;
e) for damages caused in connection with the operation or other use of manned or unmanned flying vehicles;
f) for damages to persons, the Policyholder/Insured in labour relations caused by them in the performance of their duties under their employment contracts. However, if damage is caused to these persons outside and not in connection with the performance of their work duties, he shall be compensated in accordance with the provisions of the insurance Conditions;
g) for damages caused to the damaged arterial service: cables, channels, water pipelines, gas pipelines and other crossings;
h) damages caused intentionally by the Policyholder/Insured, except in cases of injury to life, body or health of third parties;
i) set by the Insured when the harm caused to him by the Insured or imposed on the Insured person when the harm to the Policyholder or other Insured persons;
j) imposed on the spouse, children (including adopted), parents (adoptive parents) of the Policyholder /Insured, their brothers, sisters and grandchildren, grandparents and their relatives and other persons, for a long time living with the policy holder/Insured with them and leading a joint household;
k) for damages caused in connection with war or military actions, civil war, insurrection, rebellion, civil unrest, actions by armed groups or terrorists;
l) for damages resulting from the rectification by the Policyholder/Insured within the period agreed with the Insurer of the life circumstances that increase the risk of insurance;
m) on compensation for harm caused outside the territory of insurance;
n) compensation for damage caused in connection with the operation or other utilization of the funds of cars and motorcycles, are subject to mandatory registration in state authorities;
o) the compensation for damage caused in connection with the use of firearms, gas, cold, air or projectile weapons;
p) damages caused by default or improper performance of contractual obligations;
q) for the payment of forfeit (fines, penalties) for failure or improper performance of contractual obligations;
r) for damages resulting from the existence of force majeure circumstances;
s) about compensation of harm, caused to life and health of Third parties, due to infection by their Policyholder/the Insured (its employees; owned by him or transmitted to him by animals) any infectious disease;
t) similarly, poisoning; one-time, periodic or prolonged exposure to the harmful characteristics and conditions (the inhalation, the use of any substance, the intake of food and t. p.);
5.5.5. The total amount of insurance indemnity payable by the totality of all insurance accidents, occurred during the insurance period may not exceed the sum insured.
5.6.Obligations of the parties when the insured event.
5.6.1. The policyholder/Insured is obliged at insured event:
to take all necessary measures to clarify the causes, course and consequences of the insured event;
promptly, but in any case not later than 3 (three) working days, report available method, allowing objectively record the fact that the message about the incident to the Insurer/his representative and to the competent authorities;
promptly notify the Insurer or his representative of the requirements imposed on him in connection with the insured event;
to take all possible and reasonable measures to prevent or reduce the damage and save the lives of persons who have suffered harm;
to the extent that it is available to the Policyholder/Insured, to the Insurer or his representative to examine the damaged property and determination of the amount of harm caused;
to provide all possible assistance to the Insurer/its representative in judicial and extra-judicial protection in case of claims for damages in insurance cases;
to provide the Insurer/his representative with all available information and documentation, allowing to judge the reasons, course and consequences of insurance event, character and the size of the caused damage;
in case the Insurer considers necessary the appointment of its attorney or other authorized person to protect the interests of both the Insurer and the Insured in connection with the insured event - to issue a power of attorney or other documents necessary to protect such interests of the specified persons Insurer. The insurer has the right but not the obligation to represent the Insured in court, or otherwise exercise legal protection of the Insured in connection with the insured event. If the Insurer will refuse to represent the interests of the insured/Insured in the court, he shall reimburse the insured/Insured within the sum Insured (limit of liability insurance) previously agreed with the Insurer (its representative) the actual expenses on payment of lawyers to protect its interests in such processes);
strictly follow recommendations of the Insurer's representative;
not to pay compensation, not to accept partially or fully the requirements imposed on him in connection with the event having signs of insured, and not to assume any direct or indirect liability for the settlement of such claims without the consent of the Insurer;
without the written consent of the Insurer not to admit the claims brought in connection with the injury, not to assume any obligations for the settlement of such claims, and not to make any payments to Third parties in connection with the injury.
5.6.2. If the Policyholder/Insured does not perform obligations stated in item 5.6.1. The insurer is entitled to refuse payment of insurance indemnity.
5.7. The procedure of payout of insurance indemnity.
5.7.1. Payment of insurance compensation is carried out on the basis of the implemented in accordance with the legislation of the Russian Federation in force of the court decision.
5.7.2. For the payment of insurance indemnity the Policyholder/Insured must send the Insurer a Statement of the insured event and submit to the Insurer the originals of the following documents:
Of the insurance contract;
Entered in accordance with the legislation of the Russian Federation in force of the court decision containing the amounts subject to compensation by the Insurer in connection with insured event in accordance with the terms of the insurance Contract, if the judicial decision on the fact of harm was made in the territory of the Russian Federation;
The ruling on recognition and enforcement of a foreign judgment rendered by the court, if the judicial decision on the fact of harm was rendered outside of the Russian Federation, with the Appendix notarially certified translation of the foreign judgment in the Russian language;
other available documents containing information for a decision on the insurance case, the Insurer requested.
Payment of the insurance indemnity is paid by the Insurer or his representative in favor of Third parties (persons who have suffered harm in terms of Conditions of insurance), except as agreed with the Insurer of cases of reimbursement the Insured to pay attorney's fees in connection with the insured event and expenses specified in clause 5.5.3. Conditions of insurance GO.
5.7.3. In the event of injury to individuals, or the death of an individual, and also harm to property physical or legal person the insurance indemnity is paid in the following amount:
18.104.22.168. risk of "physical harm":
in the amount lost by the physical person of the income (income) which it had or definitely could have, as well as additional costs for recovery (including treatment, additional nutrition, purchase of medicines, the prosthetics, extraneous leaving, sanatorium treatment, acquisition of special vehicles, preparation for other profession, provided that such additional costs are in direct causal connection with the harm caused to health of the Third party and the person does not have the right to their free reception) – for cases of causing injury or damage to health;
in the amount of one average monthly earnings of the victim as benefits upon the death of the breadwinner for a minor and/or disabled family members dependent on the victim, but not more than the amount of the insurance liability limit specified for this type of compensation (funeral expenses are not covered) for cases of injury to life, body and health which has entailed death.
22.214.171.124. for the risk of "property damage":
straight real damage caused by the destruction or damage of property, which is determined when the total loss of property - in the amount of its actual value on the date of occurrence of the insured event minus deterioration; at partial damage in the amount of expenses required to bring it into the state it was prior to the insured event, if such property is recoverable.
126.96.36.199. risk provided for in subsection 5.5.2. and p. 5.5.3. Conditions of insurance GO:
the cost of the lawyer's anticipated insurance cases in the amount equivalent to 1000 USD.
necessary and reasonable expenses for saving lives and property of persons in the accident is injured, or to reduce the damage caused by the insured event, within the amount equivalent to 1000 USD.
5.7.4. The insurer may deny the Insured/Insured in the insurance payment, if during the term of the insurance Contract have occurred:
deliberate actions or the crime of the Policyholder, the Insured or the Third parties aimed at the insured event or which is in direct connection with the insured event;
the message by the Policyholder/Insured to the Insurer of obviously false data on object of insurance, change of insurance risk and amount of loss;
the untimely notification of the Insurer about the insured event, or failure to produce the documents confirming the fact and the amount of caused harm;
deliberate failure of the Policyholder/the Insured the reasonable and available measures to reduce possible losses;
the intentional introduction of the Policyholder/Insured of the Insurer misleading in determining the causes and other circumstances of the injury and (or) the size of the caused harm;
failure and/or violation of the instructions of the Insurer and/or his representative.