Policy conditions sk renaissance life. Polis conditions - renaissance life. Rules for life and health insurance of loan borrowers

This review will not contain colorful photographs, but there will be very vivid emotions. You can endlessly talk about the fact that “it’s your own fault,” but if you discard the fact that insurance was imposed by the bank when concluding a loan agreement, and consider the matter from the other side, you can draw one conclusion - Renaissance Life has an officially approved DIVORCE in use!

But first things first.

Our acquaintance with this insurance company began when drawing up a loan agreement at the Renaissance Credit Commercial Bank. I won’t bore you with unnecessary details; you can read about this in a separate review. The point is that then the additional service of insurance against accidents and death of the loan borrower was set as mandatory. Lending and insurance were presented as an “approved indivisible package of services.” Which, of course, “can be abandoned later.”

We know that, according to the Consumer Protection Law

It is prohibited to condition the acquisition of some goods (works, services) on the mandatory acquisition of other goods (works, services).

But, unfortunately, many banks mislead their clients and impose additional services on them, for which they receive an agent's fee.

The review turned out to be a little crumpled and chaotic, and for the most part it was written for myself, for history) in the text I will quote lines from the lawsuit, excerpts from judicial practice and the insurance company’s responses to our objections.

In order not to waste your time, I will say right away that we are the court LOST!

Below you can read about how our arguments were shattered.

Before signing an insurance agreement with a bank along with a loan agreement, read reviews about the Renaissance Life insurance company, and think about whether you need insurance in principle, and if you do, will the terms of this program suit you?

Let's go.

Shortly after signing the loan agreement, we wrote a statement to terminate the insurance contract and return the insurance premium paid. One of our mistakes was that we waited for the insurance premium to be credited before repaying the loan early. And after waiting three weeks in this way, we decided to clarify what was the matter, to which we were told, ATTENTION: “The contract with you has been terminated, you are owed 0 rubles for a refund.”

In its response, the insurance company refers to clause 8.4. Insurance contracts:

In case of refusal of the Policyholder from the insurance contract, the premium is not returned to the Policyholder.

Realizing that they were not going to return the funds to us, we hastened to close the loan, having actually used it for a month and a half. But the situation with the refusal to return the premium paid 3 years in advance did not suit us.

Next, a claim was written and sent to CB Renaissance Credit and SK Renaissance Life LLC. After considering the claim, part of the unused insurance premium was transferred to us. Do you know how much? 377 rubles!

Let's figure out where this figure comes from. In the Policy Conditions (which, by the way, were not handed out, but in the contract, of course, there is a clause stating that we received them, secured by our signature) there is a wonderful clause:

11.3 In insurance contracts with a reducing sum insured, in the event of early termination (termination) of the Insurance Contract in relation to the Policyholder (Insured) in connection with the early repayment of debt under the loan agreement, the Policyholder is paid a portion of the insurance premium in the amount of the share of the last paid insurance premium in relation to this Insured, in proportion to the unexpired part of the paid insurance period of the given Insured, minus the administrative expenses of the Insurer, unless otherwise provided by the Insurance Agreement.

This is our case. Okay, what are the administrative costs? Read on.

11.4 Administrative expenses of the Insurer amount to up to 98% (ninety-eight percent) of the paid insurance premium.

UP TO 98% OF THE INSURANCE PREMIUM AMOUNT! That is, in fact, we paid 400 rubles for unnecessary insurance, and the remaining 19,700 are administrative expenses of the Insurer!

What do you understand by the prefix “DO” before the cost of the service? In my understanding, this means that this is not necessarily the amount indicated after the prefix. This means that this amount is the maximum, but it may be less. It is logical to assume that the procedure for calculating the total amount, depending on various factors, should be described.

❍ From our objections:

"The content of clause 11.4. of the Policy conditions states that the administrative expenses of the Insurer are up to 98% from the paid insurance premium- does not imply any specific value, the Agreement and Policy Conditions do not define the procedure for calculating the amount of administrative expenses and do not define the conditions under which this amount may be different. Thus, the requirements of paragraph 1 are violated. Article 10 “On the Protection of Consumer Rights” on the provision of necessary and reliable information to the consumer about the service provided.

This item is essential condition of the contract, since it actually relates to the concept of Price. Although the exact amount of the insurance premium is specified in the Policy Conditions, the exact amount due for return in the event of early repayment of the loan is not indicated. It follows that the parties didn't come to an agreement under this essential term of the contract."

In its defense to the lawsuit, the insurance company explains that

The amount of agency remuneration, its value, is not limited by law.

❍ Insurance calculations:

❍ From our objections:

• “By agreeing to the amount of the insurance premium specified in the Insurance Agreement, the Plaintiff agreed to the amount specified in the Insurance Agreement. There are no references to clauses in the Policy Conditions that supplement this clause of the insurance contract.
• The insurance contract itself determines the amount of the insurance premium in the amount of 20,079.36 rubles. It was this amount that was transferred to the Defendant LLC SK Renaissance Life for the insured person. From the insurance contract not seen that the amount of the insurance premium is 401.59 rubles, and the remaining amount in the amount of 19,677.78 rubles is the administrative expenses of the insurer.
• P.1. Article 954 of the Civil Code of the Russian Federation defines the concept of insurance premium, and administrative expenses of the Insurer are not included in this definition. And concealing information about the actual amount of the insurance premium infringes on the rights of the policyholder as a consumer of services under an insurance contract."

❍ From the decision of the Kirovsky District Court of St. Petersburg in our case:

Although there is also good practice on this point. See below ⇩

❍ From the Appeal Ruling of the Moscow City Court dated April 28, 2015 in case No. 33-15746 follows:

the specified conditions of the insurance contract, that part of the insurance premium is paid to the policyholder minus administrative expenses, does not comply with the provisions of paragraph 3 of Article 958 of the Civil Code of the Russian Federation. Whereas paragraph 1 of Article 422 of the Civil Code of the Russian Federation stipulates that the contract must comply with the rules binding on the parties established by law and other legal acts (imperative norms) in force at the time of its conclusion.

In such circumstances, the terms of the insurance contract regarding the deduction of the insurer's administrative expenses from the insurance premium, provided for in clauses 11.3 and 11.4 of the above-mentioned Policy conditions for life insurance and against accidents and illnesses of loan borrowers, do not comply with the requirements of the law, are void and, as a result, are not subject to application when resolution of this dispute by the court.

In addition, the defendant did not provide evidence confirming the administrative expenses incurred, contrary to the requirements of Article 56 of the Code of Civil Procedure of the Russian Federation. The agency agreement between SK Renaissance Life LLC and Renaissance Credit LLC, to which the defendants refer, is not such evidence, since the plaintiff is not a party to the agency agreement and cannot be held responsible for the fulfillment of the obligations assumed by the defendant to by third parties.

It can be assumed that then it is more profitable not to terminate the contract and remain insured, even for at least 80 thousand. This 2% still doesn’t make you hot or cold. But no, that's it it won't work either. I'll explain why:

Insurance risks

a) Death of the insured for any reason; b) Disability of the Insured Group I. If any of the listed insured events occurs, the insurance payment is 100% of the insured amount.*

Notice the asterisk at the end? Read on:

*The insured amount is established in accordance with the Policy conditions and is equal to the amount of the initial loan amount under the loan agreement at the time of its conclusion. During the validity of the contract, the insurance amount decreases as the insured person's debt under the loan agreement is repaid and is equal to the amount of the current loan (actual) debt of the Insured under the loan agreement on the date of the insured event.

That is, even if you voluntarily decide to agree to insurance for loan borrowers, keep in mind that if you repay the loan early, you, of course, remain insured for the entire period for which you paid, but you will be insured for 0 rubles.

Insurance conditions generally make it [insurance] void if the loan is closed early. Why then not introduce at least a monthly payment for the insurance premium? Then everything would be logical. And it turns out that you pay for 3 years in advance, but are insured for two months (as in our case).

Not closing the loan earlier, given such an opportunity, would also be stupid. Overpaying the bank 53 thousand for the sake of dubious insurance, the insured amount of which also decreases from month to month... no, thank you!

❍ From our objections:

“The condition that the insured amount decreases as the debt is repaid and is equal to the amount of the current debt on the date of the insured event violates my rights, since with early repayment of the loan, the insured amount for the remaining insurance period becomes zero, while the insurance premium is paid at a time for the entire insurance period is 36 months."

There is also good practice on this point. See below ⇩

❍ In the Appeal ruling of the Ulyanovsk Regional Court dated May 17, 2016 in case No. 33-2296/2016 the following is explained:

from clause 5 of the loan borrower’s life insurance agreement concluded by the parties, it follows that the insurance risks include: “the death of the Insured for any reason; disability of the Insured of the first group", "the insured amount is established in accordance with the Policy conditions and is equal to the amount of the initial loan amount under the loan agreement at the time of its conclusion.

During the validity of the insurance contract, the insured amount decreases as the Insured's debt under the loan agreement is repaid and is equal to the amount of the current loan (actual) debt of the Insured under the loan agreement as of the date of the insured event.

Consequently, a life and disability insurance contract is not an independent contract aimed only at protecting these values. On the contrary, this agreement has an accessory (additional) nature in relation to the loan agreement, which is the subject of insurable interest of the policyholder and the insurer, and the protection of the risks specified in this agreement is aimed only at ensuring the ability of the Plaintiff to fulfill obligations under the loan agreement upon the occurrence of these risks.

This understanding of the disputed agreement complies with the rules of Art. 329 of the Civil Code of the Russian Federation, according to which the fulfillment of obligations can be ensured by a penalty, a pledge, retention of the debtor’s property, a surety, an independent guarantee, a deposit, a security deposit and other methods provided for by law or contract (clause 1). In this case, the termination of the main obligation entails the termination of the obligation securing it, unless otherwise provided by law or agreement (clause 4).

In court, we adhered to two points at once:

1) I think that the bank, when concluding a loan agreement, violated my rights as a consumer by conditioning (imposing) the receipt of a consumer loan on the conclusion of an agreement on life insurance for the borrower of the loan (Clause 2.Article 16 “Law on the Protection of Consumer Rights” directly prohibits making the purchase of one service dependent from the mandatory purchase of another service).

• here we argued that verbally this service was presented as an integral part of the loan;
• that both agreements were prepared by a bank employee and presented in a standard developed form;
• that the loan agreement and the insurance agreement have almost the same numbering, refer to each other in the text, and were concluded by the same employee;
• that the choice of insurance company, insurance conditions, choice of premium payment is not presented, the procedure for setting tariffs, etc. is not explained.

❍ From our objections:

“I insist that the contract was imposed in terms of the points specified in the statement of claim. The bank is not a direct party to the contract, but the contract was concluded by an employee of the bank and in the terms of the contract there is a clear relationship between the insurance company and the bank, which is also written in the statement of claim. The Plaintiff was not provided with complete information about the conditions for concluding and terminating the Insurance Agreement."

According to clause 2 of Article 12 of the Law of the Russian Federation “On the Protection of Consumer Rights”:

The seller (performer) who has not provided the buyer with complete and reliable information about the product (work, service) bears responsibility under paragraphs 1 - 4 of Article 18 or paragraph 1 of Article 29 of this Law for defects in the product (work, service) that arose after its transfer to the consumer due to his lack of such information.

❍ Insurance company position:

We insisted that insurance was imposed, but we understood that it was almost impossible to prove this, because all our signatures said the opposite; therefore, the main emphasis was on the second part of the claim.

2) I believe that the life insurance agreement of the loan borrower is invalid (void), since its terms contradict current legislation, violating consumer rights.

• Here we tried to put pressure on the fact that the contract does not contain a formula for calculating the tariff, and the tariffs from the website do not coincide with reality (they even attached screenshots, but both the insurance company and the court ignored them); that no agreement has been reached on the essential terms of the contract.

❍ From our objections:

“Thus, the Insurer, represented by a Bank employee, violated my consumer rights by setting an increased tariff for the consumer-borrower, putting me in an unequal position in relation to those consumers who can insure their life and health “without a loan” and without the participation of the bank.”

❍ Insurance company position:

❍ From our objections:

“I believe that the Bank deliberately hid from me information about the agent’s remuneration for the insurance intermediary service provided. This information is significant, since knowing the amount of the remuneration, I would have a complete understanding of the real cost of the insurance service (insurance premium). These actions of the bank violate Clause 1 of Article 10 “On the Protection of Consumer Rights”, due to the failure to provide the consumer with information about the service provided, which would ensure the possibility of choosing it correctly."

❍ Insurance company position:

Normally, that is, the bank immediately “merged” and asked to be excluded from the list of defendants, because it is not a party to the agreement between us and Renaissance Life Insurance Company. And we, not being a party to the agreement between CB Renaissance Credit and SK Renaissance Life, must fulfill the obligations to the bank assumed by the insurance company.

Maybe I'm wrong, but I have this parallel in my head:

It’s like if I come to return a dress (I tried it on again at home - it didn’t fit, I don’t like it), and they will deduct from me the cost of delivery of this dress to the store, the cost of the seller’s bonus, etc.

I do not have any special knowledge in the field of banking and insurance. I'm not legally savvy either. Thanks to a lawyer friend who helped us on an altruistic basis all these six months! We learned a lot of new and useful things from her. It didn't work now, but it might come in handy later.

The objections to our claim on behalf of the insurance company Renaissance Life amazed me, of course! And not at all by their arguments, but by how clumsily and formulaically their answers are composed. There are errors and typos in the text, including in the Plaintiff's last name! Review of 15 pages, during which some paragraphs are repeated several times; somewhere in the text they refer to a woman (she, her, Plaintiff), somewhere to a man (he, his, Plaintiff); comments are made on some points to which we allegedly refer, but which in reality are not in our claim!

It seems that they don’t bother with answers at all - they just change dates, amounts and names and that’s it. Everything is “captured” everywhere anyway.

For example, the insurance company insists that the contract contains a formula for calculating the premium:

Let's look at the contract again:

Where is the formula? No formula

In short, the court rejected us on all counts. While we were sitting in lines at the court, we were talking with one lawyer who told us that in St. Petersburg it is impossible to win a court case with such cases; neither he nor his colleagues have yet been able to prove the imposition of insurance or its improper execution. In the regions - yes, there are much more chances there. But mostly on appeal. We did not challenge the court’s decision, since after six months we were already quite tired of it. In addition, this took away from my husband’s working time, so he decided that let them choke on these twenty thousand, and we will still earn money.

On the plus side, we gained some experience in writing claims and objections; trips to court hearings.

My opinion is that it is better not to mess with the Renaissance Life insurance company. In any case, within the framework of the loan borrower insurance program.

Remember that life insurance when applying for a loan is an exclusively VOLUNTARY service!

Before agreeing to a bank insurance program, carefully study the contract:

• what is the amount of the insurance premium made up of?
• whether the sum insured changes over time;
• what is the procedure for returning an overpaid insurance premium in the event of early repayment of the loan;

If you still decide to take out insurance with an intermediary bank, then:

• demand that you be given ALL documents for which you are asked to sign;
• If possible, deposit the amount of the insurance premium directly into the bank's cash desk - this is your right;

Trust documents, not words. Take care of yourself and your money!

Thank you for your attention to my review. Other reviews on the topic ▸ FINANCE ◂

case No. 2-1105/2016

SOLUTION

In the name of the Russian Federation

Shpakovsky District Court of the Stavropol Territory composed of: presiding judge Tolstikov A.E., with the participation of the representative of the plaintiff Bukalova G.A. – FULL NAME3, with Secretary Bunina I.E., having considered in open court in the premises of the Shpakovsky District Court of the Stavropol Territory a civil case on the claim of Bukalova FULL NAME3 against LLC Insurance Company "Renaissance Life" on the protection of consumer rights,

INSTALLED:

Bukalova G.A. filed a lawsuit against Renaissance Life Insurance Company LLC for the protection of consumer rights, asked the court to recognize the Life Insurance Agreement of loan borrowers No. concluded between G.A. Bukalova. and SK Renaissance Life LLC from DD.MM.YYYY. invalid (void) by force of law; to recover the amount of unjust enrichment in the amount of rubles, interest for the illegal use of funds in the amount of rubles, expenses for paying for the services of a representative in the amount of rubles, compensation for moral damages in the amount of rubles, a fine for failure to voluntarily satisfy consumer demands in the amount of rubles, expenses for paying for services a notary for the preparation and certification of a power of attorney in the amount of rubles.

In support of the stated requirements, the plaintiff indicated that DD.MM.YYYY. between Bukalova G.A. and CB "Renaissance Credit" (LLC) (loan agreement No. was concluded, for a period of months with the condition of paying interest on the use of the loan, % per annum and the amount of rubles.

When concluding the Loan Agreement, LLC CB Renaissance Credit, acting as an insurance Agent in LLC IC Renaissance Life, entered into Insurance Agreement No. dated DD.MM.YYYY in relation to the borrower. in accordance with the Policy conditions for the life insurance program against accidents and illnesses of the Borrowers of the loan, under the terms of which the Plaintiff insured the insurance risks: 1) death of the insured for any reason; 2) disability of the insured group 1 for any reason. The validity period of the insurance contract is months from the date the insurance premium is written off from the policyholder's account in CB Renaissance Credit (LLC) in full, CB Renaissance Credit (LLC) is designated as the beneficiary.

Under the terms of the insurance contract, the insured amount in rubles is equal to the amount of the initial loan amount under the loan agreement at the time of its conclusion (clause 5 of the Insurance Contract).

Clause 5 of the Insurance Agreement provides that during the validity of the insurance agreement, the insured amount decreases as the insured’s debt under the loan agreement is repaid and is equal to the amount of the insured’s current loan debt under the loan agreement on the date of the insured event. The insurance premium is determined by the formula SP = SS (sum insured) x DT (insurance rate equal to 1.1%) x SD (contract term in months).

According to the insurance contract, the insurance premium for the insurance Tariff applied by the Insurer's Agent within the framework of the concluded insurance contract amounted to 1.1% of the insured amount established by the insurance contract - per month.

DD.MM.YYYY. on the basis of clause 3.1.5 of the Agreement, the bank made a transaction of credit funds to the Insurer’s account as part of the payment of an insurance premium under the concluded insurance agreement in the amount of rubles, which is confirmed by the Account Statement.

Subsequently, having compared the calculations and the Tariff applied by the Insurer to the Insurance Contract, the Borrower discovered that, in the terms of the Insurance Contract, the Agent (Insurer) applied insurance Tariffs that were not provided for by this insurance program.

According to the Tariffs applied to the Policy Conditions of the Life and Accident and Illness Insurance Program of Loan Borrowers for insurance risks 1) death of the insured for any reason; 2) disability of the insured group 1 for any reason, the following calculation methodology is applied (gender of the policyholder, his age, insurance period and amount of the insured amount), the following applies to this insurance contract: gender - female; the age of the Policyholder on the date of concluding the insurance contract is 47 years; insurance contract term - 4 years (insurance period); at the maximum profitability ratio of the Insurer - 5% = 0.389% of the insured amount (insured event of death for any reason), = 0.377% of the insured amount (insured event of disability of the 1st group of the Insured) Total: .

Thus, the amount of the insurance premium that must be applied by the Insurer in this insurance contract in accordance with the Tariffs and the calculation methodology that must be applied to this Insurance Contract is 70 times higher than the cost of insurance provided for in the insurance Tariffs and Insurance Rules that must be applied to this program, information on the application of which was communicated to the Policyholder before concluding the Insurance Agreement.

In particular, when determining the procedure for calculating the insurance premium, contrary to the applicable Tariffs, a monthly coefficient was used to determine the calculation of the insurance premium, rather than an annual one.

The Bank (Agent) applied insurance Tariffs not provided for by the insurance program, and also applied, when concluding an insurance contract, insurance conditions and rules not provided for by the public offer, which must correspond to the conditions offered to loan Borrowers on the basis of a public offer, thereby placing the Borrower at an unequal (discriminatory) level. conditions as a participant in public legal relations to the concluded insurance contract. In addition, the rights of the Borrower (consumer) to timely receive information about the cost of services, the right to choose, the procedure and conditions for their purchase were categorically violated and limited.

According to clause 1, clause 5 of Art. 8 of the Law of the Russian Federation of November 27, 1992 N 4015-1 “On the organization of insurance business in the Russian Federation”, the activities of insurance agents are understood as activities carried out in the interests of insurers or policyholders and related to the provision of services to them in selecting an insured and (or) an insurer (reinsurer) ), insurance (reinsurance) conditions, registration, conclusion and maintenance of an insurance (reinsurance) agreement, amendments to it, execution of documents when settling claims for insurance payment, interaction with the insurer (reinsurer), and implementation of consulting activities.

Insurance agents are individuals, including individuals registered in the manner prescribed by the legislation of the Russian Federation as individual entrepreneurs, or legal entities operating on the basis of a civil contract on behalf and at the expense of the insurer in accordance with the powers granted to them.

DECIDED:

The claims of Bukalova, FULL NAME3, against Renaissance Life Insurance Company LLC for the protection of consumer rights are partially satisfied.

Recognize the Life Insurance Agreement for loan borrowers No. concluded between Bukalova FULL NAME3 and SK Renaissance Life LLC DD.MM.YYYY. - invalid (void) by force of law.

To recover from SK Renaissance Life LLC in favor of Bukalova FULL NAME3 the amount of unjust enrichment in the amount

To recover from SK Renaissance Life LLC in favor of Bukalova FULL NAME3 interest for illegal use of funds in the amount of.

To recover from SK Renaissance Life LLC in favor of Bukalova FULL NAME3 compensation for moral damages in the amount

To collect from SK Renaissance Life LLC in favor of Bukalova FULL NAME3 a fine for failure to voluntarily comply with consumer requirements in the amount.

To recover from SK Renaissance Life LLC in favor of Bukalova FULL NAME3 the costs of paying for the services of a representative in the amount

Judicial practice on the application of Art. 151, 1100 Civil Code of the Russian Federation

Invalidation of a transaction

Invalidation of a purchase and sale agreement

Judicial practice on the application of Art. 454, 168, 170, 177, 179 Civil Code of the Russian Federation

Invalidation of the contract

Judicial practice on the application of Art. 167 Civil Code of the Russian Federation

Under insurance contracts

Judicial practice on the application of Art. 934, 935, 937 Civil Code of the Russian Federation

It is easy for the borrower to return the paid loan insurance from Renaissance Credit Bank if the “cooling period” has not expired. In other cases, difficulties may arise. Let's consider all possible situations.

Whether it is possible to get back the funds spent on loan insurance at Renaissance Bank depends on the moment at which the borrower decided to do this:

• during the “cooling off” period – immediately after the loan is issued;
• upon early repayment of debt;
• after closing credit debts on schedule.

Option 1: refusal of insurance during the “cooling off” period

The “cooling off” period is the time given to the borrower to refuse the imposed product or service. Its duration and features completely depend on the Central Bank of the Russian Federation.

After issuing the instructions of the Central Bank of the Russian Federation, banks must stipulate in their contracts a period of at least 5 days: This is the time when customers can terminate the agreement and get a refund of the money paid. From the beginning of 2020 the period is extended from 5 to 14 days.

According to the law, when receiving a loan for personal needs, life insurance is an additional service that the potential borrower has the right to refuse.

According to the law, a bank client can return the cost of insurance if:

• a personal insurance policy has been issued;
• no insured events occurred;
• insurance is issued only against unemployment, death or accidents.

Based on a written request, the insurance company is obliged to compensate the cost of the policy in full.

When concluding insurance policies, Renaissance-Credit acts not on its own behalf, but on behalf of another company with which it cooperates - OOO IC Soglasie-Vita. There is also a subsidiary - OOO SK Renaissance-Life.

The basis for the return of money spent is the written request of the client.

A sample application for cancellation of the insurance contract of IC "Renaissance Life" is as follows:

The application form for refusal of insurance from IC Soglasie-Vita is not posted on the official website. To write an application, you can contact the insurance company directly, or fill it out yourself, including the following information:

• company name and postal address;
• number and date of drawing up the insurance contract;
• Full name, passport details of the applicant;
• address of actual residence and registration;
• phone number;
• requirement to terminate the agreement indicating a specific date;
• an indication of the need to return the premium amount;
• signature, full name the policyholder and the date of the application.

Sample application for termination of a life insurance contract:

In addition to the above information, it must indicate where the payment of funds should be made: the bank account number for transfers and the details of the bank itself.

Copies of two documents are attached to the application - a passport and an insurance contract. Upon receipt, the employee makes official notes: assigns an incoming number, indicates his position and full name, and signs. Consideration of the issue takes two weeks.

Is it possible to cancel an insurance contract if 5 days are missed?

If the 5-day “cooling-off” period has been missed, you can refuse insurance only if this is provided for by the terms of the policy.

Insurance organizations - partners of Renaissance-Credit Bank do not return paid insurance if the client applies for cancellation of the contract after 5 days (working days are considered).

Option 2: return of insurance upon early closure of a bank loan

Borrowers can return the money paid for insurance if they repay the loan ahead of schedule, if this is provided for in the contract.

To terminate a life insurance contract, you need to visit the insurer and provide documents immediately after closing the loan agreement:

• passport, copy of the insurance contract;
• a certificate from the bank confirming the closure of the loan debt;
• an application for compensation of part of the insurance premium, drawn up in the name of the director of the company.

The rules of Renaissance Life insurance provide for the return of part of the insurance on the loan in case of early repayment of obligations. But it is not profitable for the borrower to terminate the policy.

The Renaissance Life insurance contract contains a clause stating that the client's costs for insurance consist of 98% of the insurer's administrative costs. This allows the company to return only a tiny portion of the premium received.

In such a situation, it is more profitable not to terminate the insurance contract. It will not be possible to get the funds back in any significant amount, and if the contract continues, then if an insured event occurs, for example, loss of a job, the client will receive compensation.

The application for termination of the insurance contract of Renaissance Life Insurance Company LLC must contain all the necessary information, as in the sample.

Below, the employee marks receipt. You can download the application form for early termination of the insurance contract using the link.

If the insurance was issued by IC Soglasie-Vita, the client can unilaterally terminate the insurance contract, but the company will not return the previously paid amount of the insurance premium.

The policy terms of Soglasie-Vita do not contain a clause on the return of part of the insurance when repaying a bank loan before the due date.

But if you still need to close the policy ahead of schedule, you can download the application form for termination of the insurance contract of LLC IC Soglasie-Vita from the link. Or contact the insurer's office directly and fill out the document on the spot.

What data will be needed:

• Full name, series and number of passport, residential address of the applicant;
• amount to be returned;
• Bank details.

At the end of the document there is a date of completion and a signature. Copies of the policy and passport are attached to it.

Option 3: is it possible to return the insurance if the loan is closed on time?

In a situation where loan obligations are closed on schedule and early payments have not been made, the validity period of the insurance policy, as a rule, has also expired. In this case, the service is considered provided and the money spent cannot be returned.

It is possible to return the insurance after repayment of the loan, when the insurance contract is also completed, only in court and only if the client proves that the service was imposed.

Judicial practice on this issue is different. However, according to the latest agreements, it more often does not work out in favor of the client, since the bank basically formally complies with all the requirements of the law.

How to return the insurance included in the loan: features

If the insurance is paid for using a loan, then in the event of cancellation of the insurance contract, all funds for it are transferred to reduce the amount of debt. It will not be possible to receive a refund in cash or to another account if the obligations are not closed at the bank.

In case of early repayment of a bank loan, the insurance premium is returned in accordance with the policy conditions without any special features.

What to do if there are problems with the return?

If, when receiving a loan, the insurance was “sniffed”, and before the expiration of 5 days the client decided to return the money, the insurance company is obliged to fulfill his request. To avoid problems, you must make a copy of the application in advance, which will indicate the date of application and acceptance. Subsequently, it may be useful for drawing up a letter of claim or statement of claim.

There are three organizations where you can contact to solve the problem:

• The main office of the bank (toll-free hotline 8-800-200-0-981) or insurance company where the claim is sent.
• District Court.
• territorial branch of the Central Bank.

If there are no reasons for refusal to pay, the complaint will be satisfied, and the borrower will be able to receive money to the bank account specified in the application.

Most often, problems arise when returning insurance at the end of the “cooling off” period. According to reviews, most clients are denied compensation for two reasons:

• Payments after a week from the moment the loan is issued are not provided for by the policy conditions.
• Clients provide an incomplete package of documents, and the procedure is delayed.

Usually, if there are no grounds for refusal, the required amount is transferred within 8–10 days. If this does not happen, you should go to court, and if the claim is satisfied, not only the main money is transferred to the client’s account, but also a penalty for each day of delay in payments from the company

LLC "SK "Renaissance Life"

Appendix No. 1

to Order No. 116/OD/13 of 02.08.2013

I APPROVED

CEO

LLC "SK "Renaissance Life"

____________________________

RULES FOR LIFE AND HEALTH INSURANCE OF BORROWERS

Moscow, 2013

1. GENERAL PROVISIONS. DEFINITIONS.

1.1. In accordance with these Rules and current legislation

of the Russian Federation, the Insurer enters into voluntary life and health insurance agreements (issues Policies, Certificates) of loan borrowers (hereinafter referred to as the “Agreement”, “Insurance Agreement”) with capable individuals or legal entities of any form of ownership, hereinafter referred to as Policyholders.

Based on these Rules, Policy conditions for life insurance of loan borrowers and/or Policy conditions for life insurance and against accidents and illnesses of loan borrowers (hereinafter referred to as the Policy Conditions) can be developed, containing clarifications and extracts from these Rules. In this case, the Insurer concludes Insurance Contracts in accordance with the specified Policy conditions.

1.2. Under the Insurance Agreement, the life and health of the Policyholder himself or another person specified in the Agreement who has entered into a loan agreement, loan agreement, loan agreement, guarantee agreement with a bank, other credit institution or other legal entity, hereinafter referred to as the Insured, can be insured.

1.3. A life insurance contract can be concluded in relation to one Insured (individual insurance) or a group or collective of Insured (group (collective) insurance).

1.4. Illness (illness) - a violation of the normal functioning of the body, caused by functional and/or morphological changes, not caused by an accident, diagnosed by a qualified doctor on the basis of objective symptoms that first appeared during the insurance period or declared by the Policyholder (Insured) in an application (declaration) at the conclusion of Insurance contracts, as well as those resulting from complications that developed after medical procedures for the purpose of treating such a violation and performed during the insurance period.

1.5 Temporary loss of ability to work - disability as a result of an accident and/or illness that occurred during the insurance period, accompanied by the inability to perform one’s work duties for the period necessary to treat the consequences of the accident or illness.

1.6 Beneficiary is the person who has the right to receive insurance payment. In the event of the death of the Insured, the Beneficiary is the person specified in the Insurance Agreement as the Beneficiary in the event of the death of the Insured. If the Beneficiaries are not identified, they are recognized as the heirs of the Insured in accordance with current legislation, in which case the insurance payment is made to them in proportion to their inherited shares.

The beneficiary may be the credit institution (bank) that issued the loan and/or other persons specified in the Insurance Agreement.

1.7 Insurance Agreement / Policy / Certificate - a document certifying the fact of concluding an Insurance Agreement, which defines the terms of insurance with a specific Policyholder. The insurance contract may also include Insurance Rules or Policy Conditions developed on the basis of these Insurance Rules.

1.8 Insured persons under the Insurance Agreement for group (collective) insurance are individuals - borrowers of a credit institution who have entered into loan agreements with the credit institution (hereinafter: Loan Agreement) or are holders of credit cards of the credit institution, who have directly expressed their voluntary consent (expression of will) to extension of the Insurance Agreement in relation to them, and those indicated in the List of Insured / Payment Register / Bordereau of Insured Persons.

1.9 Disability - social insufficiency due to health problems with a persistent pronounced disorder of body functions caused by diseases, consequences of injuries or acquired defects that arose during the insurance period, leading to limitation of life activities, inability to perform any work activity for the purpose of generating income and the need for social protection . Depending on the degree of impairment of body functions and limitation of life activity, a person is assigned a disability group.

Options for establishing disability groups and their combinations covered by insurance are established in the Insurance Agreement.

1.10 Loan agreement - a document certifying the fact of concluding an agreement under which the credit institution undertakes to provide funds (loan) to the Insured (borrower) in the amount and on the terms stipulated by the agreement, and the borrower undertakes to return the amount received and pay interest on it.

1.11 A credit institution (bank credit organization, non-bank credit organization) is a legal entity that, in order to make a profit as the main purpose of its activities, on the basis of a special permit (license), has the right to carry out banking operations provided for by current legislation.

1.12 Accident is a sudden, external, short-term (up to several hours), actually occurring under the influence of various external factors (physical, chemical, mechanical, etc.) event, the nature, time and place of which can be unambiguously determined, occurring during insurance period and which arose unexpectedly, unintentionally, against the will of the Insured, resulting in harm to the life and health of the Insured.

1.13 Pre-existing condition - any health disorder, injury, mutilation, congenital or acquired pathology, chronic or acute disease, mental or nervous disorder, etc., diagnosed and/or undiagnosed, but the existence of which was suspected and/or about which The Insured should have known, based on the existing manifestations or signs, in connection with which any medical event occurred before the conclusion of the Insurance Agreement with the participation of the Insured. Such conditions also include any complications or consequences associated with said conditions.

1.14 Insurance program - a set of conditions characterizing the scope of insurance coverage under the Insurance Agreement, features of the conclusion and termination of the Agreement, payment of the insurance premium (insurance contributions) and insurance payment, etc.

1.15 Medical event - carrying out by the Insured of any examinations, laboratory tests of blood and all other biological fluids of the human body, instrumental research methods (CT, MRI, ultrasound, ECHO CG, bicycle ergometry, rheoencephalography, any X-ray studies, isotope research methods, and any other methods diagnostics), physical research methods - palpation, percussion, auscultation, etc., whether doctors of medical institutions have any suspicions of a disease/diseases in the insured, identified diseases, the insured's visit to a medical institution in connection with any complaints about health, well-being , injuries, etc., receipt of any treatment by the Insured, operations performed, hospitalizations, accidents, referrals for surgical operations, referrals for any examinations, and other.

1.16 Timely seeking medical help - seeking medical help after the first signs of the disease appear, i.e. until the condition worsens, complications develop, or irreversible consequences of the disease or condition occur.

1.17 Death is the cessation of the physiological functions of the body that support its vital activity.

1.18 Insurer - Limited Liability Company Renaissance Life Insurance Company, which carries out insurance activities in accordance with the license issued by the federal executive body for supervision of insurance activities.

1.19 Insurance year - a period of 1 year, starting from the date of conclusion of the Insurance Agreement (Policy) or the insurance anniversary.

1.20 Insurance anniversary – a date distant from the date of commencement of the Insurance Agreement for a period that is a multiple of a year.

1.21 Sum insured is the amount of money determined by the parties in the Insurance Agreement, on the basis of which the amount of the insurance premium (insurance contribution) is determined and within which the Insurer makes insurance payments.

1.22 Insurance rates - insurance premium rates per unit of insurance amount.

1.23 Insurance premium is a payment for insurance that the Policyholder is obliged to pay to the Insurer in the manner and within the time limits established by the Insurance Agreement.

1.24 Insurance risk is an expected event as a result of accidents or illnesses, which has characteristics of probability and chance, in the event of which an Insurance Agreement is concluded.

1.23. An insured event is an event that occurs during the insurance period, provided for by the Insurance Agreement, upon the occurrence of which the Insurer becomes obligated to make an insurance payment (insurance payments) to the Policyholder, the Insured, the Beneficiary or other third parties.

1.25 Insurance payments - payments made upon the occurrence of an insured event to the Insured, the Beneficiary or the legal heir of the Insured.

Insurance payments are made regardless of the amounts due under other insurance contracts, as well as social insurance, social security and indemnification.

1.26 Insurance period - the period of time during which the Insured is covered by insurance coverage in relation to a certain insurance program (insurance risk), which begins after the Insurance Agreement comes into force and is determined in accordance with Section 6 of these Insurance Rules. The insurance applies only to insured events resulting from accidents that occurred to the Insured during the insurance period, and diseases that arose and were diagnosed during the insurance period.

1.27 Current loan debt - the balance of the principal debt on the loan actually provided by the bank, including accrued interest for the use of funds.

2. OBJECT OF INSURANCE.

2.1 The object of insurance is property interests that do not contradict the legislation of the Russian Federation and are associated with death, with the occurrence of other events in the life of the Insured Persons, with harm to the life and health of the Insured Persons.

3. INSURED EVENTS. INSURANCE PROGRAMS.

3.1 Depending on the terms of the Insurance Agreement, the following events may be recognized as insured events, except for the cases provided for in Section 4 (“General exclusions from insurance coverage”) of these Insurance Rules:

3.1.1 death of the Insured for any reason (hereinafter referred to as the “death of the LP”);

3.1.2 death of the Insured as a result of an accident (hereinafter referred to as “death of the Insured”);

3.1.3 death of the Insured as a result of an accident or illness (hereinafter referred to as “death of the Insured”);

3.1.4 disability of the Insured as a result of an accident (hereinafter referred to as “disability of the NS”):

3.1.4.1 disability of the Insured Group I as a result of an accident;

3.1.4.2 disability of the Insured Group II as a result of an accident;

3.1.4.3 disability of the Insured Group III as a result of an accident;

3.1.4.4 disability of the Insured Group I and II as a result of an accident;

3.1.4.5 disability of the Insured Group I, II, III as a result of an accident.

3.1.5 disability of the Insured as a result of an accident or illness (hereinafter referred to as “NS&B disability”):

3.1.5.1 disability of the Insured Group I as a result of an accident or illness;

3.1.5.2 disability of the Insured Group I and II as a result of an accident or illness;

3.1.5.3 disability of the Insured Group II as a result of an accident or illness;

3.1.5.4 disability of the Insured Group III as a result of an accident or illness;

3.1.5.5 disability of the Insured Group I, II, III as a result of an accident or illness.

3.1.6.1 disability group I;

3.1.6.2. disability of I or II group;

3.1.6.3 disability group II;

3.1.6.4 disability group III;

3.1.6.5 disability of I, II, III groups.

3.1.7 temporary loss of ability to work of the Insured as a result of an accident (hereinafter referred to as “VNT NS”);

3.1.8 temporary loss of ability to work of the Insured as a result of an accident or illness (hereinafter referred to as “VNT NSiB”);

3.1.9 temporary loss of ability to work of the Insured, resulting from any reason (hereinafter referred to as “VNT LP”);

3.1.10 Insurance program: survival of the Insured until he loses his permanent job for reasons beyond his control (Appendix No. 2 to these Insurance Rules);

3.1.11 Insurance program: initial diagnosis of a deadly disease (hereinafter referred to as the “PDOSD”). The insured risk under this program is the following event:

primary diagnosis of a fatal disease in the Insured, if it occurred during the insurance period, but not earlier than 3 (three) months from the beginning of the Insurance Agreement (Policy) (in accordance with Appendix No. 1 to these Insurance Rules) (hereinafter referred to as “PDOSI”) ").

3.3 The list of insurance risks/insurance programs in respect of which the Insurance Agreement is concluded is indicated in the Insurance Agreement.

3.4 The events specified in clause 3.1 of these Insurance Rules, resulting from an accident that occurred during the insurance period, or an illness diagnosed during the insurance period, are recognized as insured events if they occurred no later than the expiration date of the insurance period.

3.5 The territory of insurance coverage is the whole world, the duration of insurance coverage is one hour per day. The contract may provide for other territories and duration of insurance coverage.

4. GENERAL EXCLUSIONS FROM INSURANCE COVERAGE.

4.1 The following are not accepted for insurance, unless otherwise provided by the Insurance Agreement:

4.1.1 for the risks specified in paragraphs. 3.1.1. – 3.1.3 of the Rules, persons under 18 (eighteen) full years of age at the time of entry into force of the Insurance Agreement (Policy) and over 90 (ninety) full years of age at the time of expiration of the Insurance Agreement (Policy)1;

4.1.2 for the risks specified in paragraphs. 3.1.4. – 3.1.9 of the Rules, persons under 18 (eighteen) full years at the time of entry into force of the Insurance Agreement (Policy) and over 90 (ninety) full years at the time of expiration of the Insurance Agreement (Policy)2;

4.1.3 under the program specified in clause 3.1.10 of the Rules, persons under 18 (eighteen) years of age at the time of entry into force of the Insurance Agreement (Policy) and over 55 (fifty-five) full years for women and 60 (sixty) full years for men at the time of expiration of the Insurance Agreement (Policy);

4.1.4 under the program specified in clause 3.1.11 of the Rules, persons under 18 (eighteen) full years of age at the time of entry into force of the Insurance Agreement (Policy) and over 65 (sixty-five) full years of age at the time of expiration of the Insurance Agreement (Policy) ) ;

4.1.5 disabled people of group I or II;

The agreement may provide for other age restrictions. The agreement may provide for other age restrictions. 4.1.6 persons who use drugs, toxic or potent substances, suffer from alcoholism and/or are/were previously registered with a dispensary for any of the above reasons;

4.1.7 persons with persistent nervous or mental disorders;

4.1.8 persons infected with the human immunodeficiency virus (HIV), as well as persons suffering from AIDS (acquired immune deficiency syndrome);

4.1.9 persons under investigation or in prison;

4.1.10 persons suffering from cancer;

4.2 When insuring against the occurrence of events caused by illnesses, the Insurer has the right to demand that the Insurance Agreement be invalidated, including for certain insurance risks, if it is subsequently established that on the date of conclusion of the Insurance Agreement the insured person had a chronic heart disease(s). -vascular system, respiratory system, nervous system, immune system, hematopoietic system, endocrine system, musculoskeletal system, digestive system, as well as chronic diseases of other organs and systems and (or) injury(s) or defect(s) have occurred .

4.3 If, after concluding the Insurance Agreement, it is established that a person falling into one of the above categories was accepted for insurance, i.e. When concluding the Insurance Agreement, the Policyholder did not inform the Insurer of the circumstances listed in clause 4.1 and 4.2 of these Insurance Rules, and these circumstances were identified after the Insurance Agreement entered into force, then the Insurer has the right to demand that such Agreement be declared invalid and the consequences provided for by the current legislation of the Russian Federation apply. Events that occurred with the above-mentioned persons are not insured events, and, accordingly, the Insurer will not make insurance payments for the specified events.

4.4 Events that occur, unless otherwise provided by the insurance contract, are not insured events:

4.4.1 as a result of intentional actions of the Insured, the Policyholder or a person who, according to the Agreement, these Insurance Rules or the legislation of the Russian Federation, is the Beneficiary, as well as persons acting on their behalf;

4.4.2 during the commission (attempt to commit) by the Insured of a crime that is in a direct cause-and-effect relationship with an event that has signs of an insured event;

4.4.3 while the Insured is in prison, as well as in temporary detention centers and other institutions intended to hold persons suspected or accused of committing a crime;

4.4.4 while the Insured is in a state of alcohol, drug or toxic intoxication, as well as under the influence of potent and/or psychotropic substances, medications (taken without a doctor’s prescription or as prescribed by a doctor, but in violation of the dosage specified by him). The insurer may recognize as insured events events that occurred while the Insured was under the influence of alcohol if the actions of the Insured did not entail (either directly or indirectly) the occurrence of the event that occurred.

The decision to recognize an event as an insured event is made by the Insurer in each specific case based on the actual circumstances, taking into account all available documents (certificates from medical institutions, materials from law enforcement agencies, etc.);

4.4.5 while driving the Insured vehicle without the right to drive a vehicle of this category or driving a vehicle by a person who did not have the right to drive a vehicle of this category, subject to the transfer of control to such a person by the Insured;

4.4.6 while driving the Insured vehicle in a state of alcoholic, narcotic or toxic intoxication or under the influence of potent and/or psychotropic substances, medications, the use of which is contraindicated in driving vehicles, or driving a vehicle by a person who was in a state of alcoholic, narcotic or toxic intoxication or under the influence of potent and/or psychotropic substances, medications, the use of which is contraindicated in driving vehicles, subject to the transfer of control to such a person by the Insured;

4.4.7 as a result of the Insured committing suicide, if by that time the Insurance Agreement was in force for less than two years or was extended in such a way that the insurance was not in effect continuously for two years, as well as in the event of attempted suicide or intentional infliction of harm to life and health by the Insured yourself, except in cases where the Insured was brought to this by illegal actions of third parties;

4.4.8 during the direct participation of the Insured in civil unrest, unrest, war or hostilities, as well as during the Insured’s conscription military service, participation in military training or exercises, maneuvers, testing of military equipment or other similar operations as a military serviceman, or a civil servant;

4.4.9 during any air flights performed by the Insured, excluding flights as a passenger on a scheduled flight (including scheduled charter flights) operated by an organization holding the appropriate license;

4.4.10 during the Insured’s professional sports, any sport on a systematic basis, aimed at achieving sports results; while participating in competitions, races or other dangerous hobbies (for example, mountaineering, diving under water to a depth of more than 40 meters, in underwater caves, in the remains of ships or buildings located under water, regardless of the depth of the dive, parachuting, horse racing, rock climbing). The insurer may recognize as insured events events that occurred during amateur activities on a one-time basis (for example, during vacations, holidays or on weekends) snowboarding, skateboarding, alpine skiing, water skiing; scuba diving without the use of scuba gear, horseback riding, hiking without the use of climbing equipment, cycling (except for trials or downhill), as well as during other activities that cannot be considered dangerous, cannot be classified as professional sports or systematic training aimed at achieving sports results;

4.4.11 during the participation of the Insured in motocross, trial; motorcycle racing, auto racing or other speed racing; other competitions, as well as while riding a motorcycle when the ambient temperature or road surface is below zero degrees Celsius, riding a motorcycle or other two-wheeled motorized vehicle in the rain, riding a motorcycle or other two-wheeled motorized vehicle off-road;

4.4.12 during the implementation of conservative (including medicinal) or invasive (surgical) methods of treatment applied to the Insured, except in cases where the need for such treatment is due to an accident or illness that occurred during the insurance period or when there is the need to provide emergency (emergency) medical care;

4.4.13 as a result of any damage to the health of the Insured caused by radiation exposure or resulting from exposure to nuclear energy;

4.4.14 as a result of the direct or indirect influence of mental illness, if the accident occurred with a mentally ill Insured who was in an insane state at the time of the accident;

4.4.15 during an epileptic attack (or other convulsive or convulsive attacks);

4.4.16 as a result of previous conditions or their consequences;

4.4.17 as a result of the illness of the Insured, directly or indirectly related to HIV infection that arose before the conclusion of the Insurance Agreement, drug addiction, substance abuse, chronic alcoholism, sexually transmitted diseases, diseases transmitted primarily through sexual contact;

4.4.18 as a result of complications of pregnancy, childbirth, abortion, miscarriage;

4.4.19 in case of self-medication of the Insured, which led to a deterioration in health or aggravation of the pathological process;

4.4.20 if the Insured refuses the proposed treatment, resulting in disability of the Insured or delaying the recovery process.

4.4.21 as a result of alcoholic disease, alcoholic damage to organs and organ systems, including alcoholic cardiomyopathy, alcoholic liver damage, alcoholic kidney damage, alcoholic damage to the pancreas, alcoholic encephalopathy and all other diseases arising from consumption (single and/or constant/long-term use) of alcohol and its substitutes;

4.4.22 as a result of pathological conditions caused by the use of narcotic drugs/psychotropic drugs and their precursors (narcotic drugs - substances of synthetic or natural origin, drugs included in the List of narcotic drugs, psychotropic substances and their precursors subject to control in the Russian Federation, in accordance with the legislation of the Russian Federation, international treaties of the Russian Federation, including the Single Convention on Narcotic Drugs of 1961.

4.5 The insurance contract may establish an incomplete list of exceptions specified in clause 4.4 of these Insurance Rules.

5. PROCEDURE FOR CONCLUSION AND REGISTRATION OF AN INSURANCE AGREEMENT.

CHANGES TO THE AGREEMENT.

5.1 The Insurance Agreement is concluded on the basis of an oral or written (form established by the Insurer) application from the Insured by signing the Insurance Agreement or delivering the Policy signed by the Insurer to the Insured.

5.1.1 An application for insurance (Declaration, Questionnaire) may be an integral part of the Insurance Agreement or documents issued by a credit institution.

5.2 The insurance contract can be concluded by the Insured’s acceptance of the insurance Policy (Offer Policy), signed by the Insurer, issued to the Insured by the Insurer. The Policyholder's acceptance is made by paying the insurance premium, unless otherwise provided by the Insurance Agreement (Policy Offer).

5.3 The insurer carries out an assessment of the insurance risk before concluding the Insurance Agreement.

5.4 When concluding an Insurance Agreement, the Insured is obliged to truthfully and completely inform the Insurer of all circumstances known to the Insured (information about the insured person) that are significant for determining the likelihood of an insured event occurring and the amount of possible losses (assessment of the insurance risk) by indicating information in the Insurance Agreement, Application for insurance, Declaration and other questionnaires of the Insurer, as well as by signing the Application for Insurance, which is the guarantee of the Policyholder / Insured for the accuracy of the information contained in it.

The circumstances specified by the Policyholder (Insured) in the Application for Insurance, Declarations and/or other questionnaires of the Insurer are considered significant.

5.5 Both before the conclusion of the Insurance Agreement and after its conclusion, the Insurer has the right to send the insured person to undergo a medical examination at a medical institution specified by the Insurer in accordance with the volume determined by the Insurer, which is paid by the potential Policyholder or the insured person. In this case, the Insurer is obliged to notify the potential Policyholder in writing about the scope of the required medical examination and provide the necessary additional information.

The insurer may decide to pay the cost of the medical examination at its own expense.

5.6 The insurer has the right to refuse to conclude an Insurance Agreement or suspend consideration of an application for insurance if the insured person, on the date of the application, suffered from a disease that threatens his life and health (a disease or condition, injury or other health disorder that could lead to long-term disability (more than 2 weeks) loss of ability to work, hospitalization, need for surgical intervention, etc.). Subsequently, if the Insurance Agreement is concluded, the Insurer has the right to demand that such Insurance Agreement be declared invalid and the consequences provided for by the current legislation of the Russian Federation be applied if it is established that the insured person, on the date of conclusion of the Insurance Agreement, suffered from a disease (disease or condition, injury or other health disorder, capable of leading to disability, long-term (more than 2 weeks) loss of ability to work, hospitalization, the need for surgical intervention, etc.). An event that occurred with such an Insured is not an insured event, and, accordingly, the Insurer does not make insurance payments for these events.

5.7 After assessing the insurance risk and paying the insurance premium (first insurance premium) by the Insured, the Insurer issues an Insurance Agreement (Policy) to the Insured on the terms specified in the Insured’s application or on other conditions.

5.8 If, after concluding the Insurance Agreement, it is established that the Policyholder has provided the Insurer with knowingly false information about the circumstances specified in the Application for Insurance, the Declaration, as well as in other questionnaires of the Insurer, the Insurer has the right to demand that such Agreement be declared invalid and the consequences provided for by the current legislation of the Russian Federation be applied. Events resulting from circumstances about which the Policyholder knowingly provided false information when concluding the Insurance Agreement are not insured events; accordingly, the Insurer does not have an obligation to make an insurance payment under such an Agreement.

5.9 The Insured’s consent to the appointment of a Beneficiary can be expressed by the Insured signing an Application for Insurance / Application to Join the Insurance Agreement / Declaration, Insurance Agreement, or by signing by the Insured a separate document - Application for the appointment of a Beneficiary, or in other documents of the Insurer.

5.10 The Insurer may sign the Insurance Agreement, as well as annexes and additional agreements thereto, by reproducing a facsimile of the Insurer’s signature mechanically or otherwise using a cliché.

5.11 In case of loss of the Insurance Contract, the Insurer, based on the written application of the Policyholder, issues a duplicate. After the duplicate is transferred to the Policyholder, the lost copy of the Insurance Agreement is considered invalid and insurance payments under it are not made. If the Insurance Contract is lost again, the Policyholder shall pay the Insurer a sum of money in the amount of the cost of production of the Insurance Contract.

5.12 All correspondence in connection with the Insurance Agreement is sent to the addresses specified in the Insurance Agreement. If the addresses and/or details of the parties change, the parties undertake to notify each other in writing in advance. If the party was not notified of the change in the address and/or details of the other party in advance, then all correspondence sent to the previous address will be considered received on the date of its receipt at the previous address.

5.13 The procedure for making changes to the List of Insured / Payment Register / Bordereau of Insured persons in case of group (collective) insurance is established in the Group (collective) Insurance Agreement by agreement between the Insurer and the Insured.

5.14 The obligation to obtain the written consent of the Insured to exclude him from the List of Insured / Payment Register / Bordereau of Insured Persons. rests with the Insured. The Policyholder is responsible for failure to obtain this consent.

5.15 When concluding an Insurance Agreement, the Policyholder and the Insurer may agree to amend or exclude certain provisions of these Insurance Rules and/or to supplement the Insurance Rules. Changes to individual provisions and/or addition of individual provisions to the Insurance Rules may be reflected in the Policy Conditions.

5.16 Amendments to the Insurance Agreement are made by agreement drawn up in the same form as the Agreement. Changes to non-essential terms of the contract are possible by notifying the Policyholder by the Insurer and/or on the Insurer’s website.

The Insurer's signing of the agreement/notification of changes to the terms of the Insurance Contract, as well as its annexes, is carried out by reproducing a facsimile of the Insurer's signature mechanically or otherwise using a cliché.

6. VALIDITY OF THE INSURANCE AGREEMENT. ENTRY INTO THE AGREEMENT

INSURANCE IN EFFECT

6.1 The validity period of the Insurance Agreement is determined upon conclusion of the Insurance Agreement.

6.2 Insurance period:

6.2.1 For insurance risks “Death of a NS”, “Death of a NSiB”, “Death of a medicinal product”, “Disability of a NS”, “Disability of a NSiB”, “Disability” “PDSOH” - from the 1st (first) day following the date of payment by the Policyholder of the insurance premium (the first insurance premium, if the insurance premium is paid in installments), in full or from the date of commencement of the Policy, depending on which date is later until the expiration date of the Insurance Contract, unless otherwise specified in the Insurance Contract.

6.2.2 For insurance risks “VNT NS”, “VNT NSiB” and “VNT LP” - from the 16th (sixteenth) day following the date of payment by the Insured of the insurance premium (the first insurance premium, if the insurance premium is paid in installments), in full volume or from the date of commencement of the Insurance Contract, whichever date is later, until the expiration date of the Insurance Contract, unless otherwise specified in the Insurance Contract.

6.2.3 Under the program “Survival of the Insured until loss of permanent job for reasons beyond his control” - in accordance with Appendix No. 2 to these Insurance Rules.

7. AMOUNT INSURED. INSURANCE PREMIUMS, FORM AND PROCEDURE FOR THEIR

PAYMENTS

7.1 The insured amount is determined by agreement between the Insurer and the Policyholder and is specified in the Insurance Agreement.

7.2 The insured amount for the risks “Death of NS”, “Death of NS&B”, “Death of medicinal product”, “Disability” and “Disability of NS”, “Disability of NS&B” can be equal to one of the following values:

7.2.1 the size of the initial loan amount of the Policyholder (Insured) under the loan agreement at the time of its conclusion and does not decrease during the validity period of the Insurance Agreement as the debt of the Policyholder (Insured) under the loan agreement is repaid.

7.2.2 the amount of the initial loan amount under the loan agreement at the time of its conclusion. During the validity of the Insurance Agreement, the insurance amount decreases as the debt of the Policyholder (Insured) is repaid under the loan agreement and is equal to the amount of the current loan (actual) debt of the Policyholder (Insured) under the loan agreement on the date of the insured event.

7.2.3 the amount of the initial loan amount under the loan agreement at the time of its conclusion. During the validity of the insurance contract, the insured amount is reduced in accordance with the original payment schedule and is equal to the loan debt on the date of the insured event in accordance with the original payment schedule.

7.2.4 the maximum limit established for the Policyholder (Insured) by the bank card agreement at the time of its conclusion and does not decrease during the validity period of the Insurance Agreement.

7.2.5 the amount of debt of the Policyholder (Insured) under the bank card agreement as of the date of generation of the bank card statement.

7.2.6 The insurance contract may provide for a different value of the insured amount for the risks “Death of the NS”, “Death of the NSiB”, “Death of the medicinal product”, “Disability of the NS”, “Disability of the NSiB”, “Disability”.

7.3 The insurance contract may provide for an increase in the insured amount by an amount agreed upon between the parties.

7.4 The insured amount for the risk “VNT NSiB”, “VNT NS”, “VNT LP” is equal to the amount of the initial loan amount of the Insured under the loan agreement at the time of its conclusion, unless otherwise specified in the Insurance Agreement.

7.5 The insured amount under the insurance program “PDSOZ” is determined in accordance with Appendix No. 1 to these Insurance Rules.

7.6 The insurance amount under the insurance program “Survival of the Insured until loss of permanent job for reasons beyond his control” is determined in accordance with Appendix No. 2 to these Insurance Rules.

7.7 Sums insured and insurance premiums are established in Russian rubles. By agreement of the Parties, the Insurance Agreement may indicate insurance amounts in foreign currency, the equivalent of which is the corresponding amounts in rubles (hereinafter referred to as insurance in foreign currency equivalent).

7.8 When insuring in foreign currency equivalent, the insurance premium is paid in rubles at the rate of the Central Bank of the Russian Federation established for the foreign currency provided for in the Insurance Agreement on the date of payment (transfer).

7.9 The insurance premium (insurance premiums) is calculated by the Insurer based on the sum insured in accordance with the approved tariffs of the Insurer.

7.10 The policy terms and conditions may provide for a maximum amount of the insured amount.

7.11 The procedure and frequency of payment of the insurance premium (insurance contributions) is determined in the Insurance Agreement (Policy).

7.12 The date of payment of the insurance premium is the date of receipt of the insurance premium to the Insurer’s bank account, unless otherwise specified in the Insurance Agreement.

7.13 If the Policyholder fails to pay the full amount of the insurance premium or the first insurance premium within the period established by the Insurance Agreement or pays the first insurance premium in an amount less than that provided for in the Agreement, the Insurance Agreement is considered not to have entered into force.

7.14 When paying an insurance premium in installments, failure by the policyholder to pay the amount of the next insurance premium in full on the payment deadline established by the contract means for the parties to the insurance contract the will expressed by the insured to refuse the insurance contract from 00:00 on the day following the day of the end of the payment period established by the contract the next insurance premium that was not paid within the specified period. Guided by paragraph 1 of Art. 452 of the Civil Code of the Russian Federation, the parties agreed that a separate agreement on termination of the insurance contract in this case is not drawn up by the parties.

8. RIGHTS AND OBLIGATIONS OF THE PARTIES

8.1 The policyholder has the right:

8.1.1 receive a duplicate of the Insurance Contract in case of loss of the original;

8.1.2 receive from the Insurer information about its financial performance that is not a commercial secret;

8.1.3 terminate the Insurance Agreement early by written notification to the Insurer;

8.1.4 if the event is recognized as an insured event, receive an insurance payment;

8.1.5 other rights provided for by these Insurance Rules.

8.2. The Policyholder/Insured is obliged to:

8.2.1 pay the insurance premium (insurance contributions) in the amount and within the time limits established by the Insurance Agreement;

8.2.2 provide the Insurer with reliable information relevant for determining the degree of insurance risk when concluding the Contract and at the stage of assessing the insurance risk by the Insurer;

8.2.3 immediately inform the Insurer about changes in the circumstances communicated to the Insurer at the conclusion of the Policy, if these changes may significantly affect the increase in the insurance risk (a change in circumstances is considered significant when they have changed so much that if the parties could have reasonably foreseen it, the Contract would not be accepted at all would have been concluded by them or would have been concluded on significantly different terms); immediately inform the Insurer about a change in the surname or first name of the Insured, a change in his address (in case of relocation), data on the identity document of the Insured (in case of replacement);

8.2.3.1 upon the occurrence of an event that has signs of an insured event, provide all necessary documents at the disposal of the Insurer; The Policyholder / Insured is obliged to independently obtain from organizations and any other institutions of any organizational and legal form the documents requested by the Insurer;

8.2.4 upon the occurrence of an event that has signs of an insured event, notify the Insurer about it in writing within 35 (thirty-five) days from the day the Policyholder / Insured became aware of the incident, followed by providing all the necessary information and attaching supporting documents (subject to the conditions clause 8.2.7). The obligation of the Policyholder/Insured to report the occurrence of the specified event may be fulfilled by the Beneficiary;

8.2.5 upon the occurrence of an insured event (illness), promptly (before the onset of complications and/or deterioration of the condition) contact a medical institution and strictly follow the received medical recommendations and instructions; in the event of an accident, immediately (but no more than 24 hours from the moment of the accident) after its occurrence, seek help from a medical institution and strictly follow the medical recommendations and instructions received;

8.2.6 when applying for insurance payment, provide the Insurer with an application for payment in the form established by the Insurer, as well as all necessary documents in accordance with Section 10 of these Insurance Rules. This obligation also applies to the Beneficiary if he applies for payment;

8.2.7 in case of doubts about the authenticity and/or reliability, as well as the sufficiency of the documents submitted by the Policyholder / Insured in connection with the occurrence of an event that has signs of an insured event, or to confirm the state of disability, including when assigning a disability group, go through at the Insurer's request, repeated laboratory and instrumental examinations (including ultrasound, X-ray and other radiation diagnostic methods), repeated medical examinations performed by doctors of various specialties. The specified studies and medical examinations are carried out by doctors appointed by the Insurer, in places designated by the Insurer and at its expense;

8.2.8 return the received insurance payment if, during the limitation period provided for by the current legislation of the Russian Federation, a circumstance is discovered that, by law or under these Insurance Rules, fully or partially deprives the Insured, the Beneficiary of the right to receive insurance payment;

8.2.9 fulfill other duties provided for by these Insurance Rules and the Insurance Agreement.

8.3. The insurer has the right:

8.3.1 check the information provided by the Policyholder, the Insured, the Beneficiary, as well as their compliance with the provisions of these Insurance Rules, the Insurance Agreement and other documents establishing the contractual relationship between the Policyholder and the Insurer related to the conclusion, execution or termination of these relations;

8.3.2 when calculating the insurance premium, apply decreasing and increasing coefficients, set restrictions on the amount of insurance amounts and combinations of insurance risks in the Insurance Agreement;

8.3.3 after concluding the Insurance Agreement, in the event of an increase in the degree of insurance risk, in agreement with the Insured, make changes to the Insurance Agreement. If the parties do not reach an agreement, the Insurer has the right to demand termination of the Insurance Agreement if the circumstances leading to an increase in the degree of insurance risk have not disappeared by the time of termination of the Insurance Agreement;

8.3.4 refer your doctor to the Insured. The doctor must be given the opportunity to freely access the Insured for a comprehensive examination;

8.3.5 refuse insurance payment in the following cases:

If the event occurs is not an insured event,

Failure by the Policyholder/Insured to fulfill the obligations provided for in clause 8.2.

these Insurance Rules;

Untimely application by the Policyholder / Insured to a medical institution, as well as in the event of an untimely application to the Insurer with an application provided for in clauses. 8.2.6 of these Insurance Rules;

If the Policyholder did not report a change in the information about the Insured specified in the Insurance Agreement, if this change was a direct or indirect cause of the occurrence of an event that has signs of an insured event;

Failure of the Policyholder to pay the insurance premium in the manner established in the Insurance Agreement;

In other cases provided for by these Insurance Rules, the Insurance Agreement and the current Legislation of the Russian Federation;

8.3.6 organize a repeated medical examination and independent examination in connection with circumstances related to the insured event;

8.3.7 defer payment in cases provided for by these Insurance Rules, the Insurance Agreement and the current legislation of the Russian Federation;

8.3.8, if necessary, send requests to the competent authorities;

8.3.9 demand recognition of the Insurance Contract as invalid and application of the consequences provided for by the current legislation of the Russian Federation, and/or demand termination of the Insurance Contract.

8.3.10 other rights provided for by these Insurance Rules.

8.4. The insurer is obliged:

8.4.1 issue the Insurance Rules (Policy conditions developed in accordance with these Insurance Rules) to the Policyholder upon concluding the Insurance Agreement;

8.4.2 if the event is recognized as an insured event, make an insurance payment in the manner and within the time limits established by these Insurance Rules, after receiving all the necessary documents and drawing up an insurance act;

8.4.3 inform the Insured / Beneficiary, or their legal representatives, in writing of the decision to refuse or postpone the decision on insurance payment with justification of the reasons;

8.4.4 ensure confidentiality in relations with the Policyholder, the Insured, the Beneficiary, except for the transfer of the required amount of information to another insurance or reinsurance organization in the event of transfer of the concluded Insurance Agreement to reinsurance;

8.4.5 fulfill other duties provided for by these Insurance Rules and the Insurance Agreement.

8.4.6 The Insurer does not collect the documents necessary to provide to the Insurer in connection with the occurrence of an event that has signs of an insured event.

9. PROCEDURE FOR CALCULATING INSURANCE PAYMENT

9.1 The amount of the insurance payment is determined based on the insurance amounts established in the Insurance Agreement and in accordance with the limits of liability of the Insurer for the insurance payment under the Insurance Agreement established in these Insurance Rules.

9.2 Upon the occurrence of an insured event “Death of NS” / “Death of NSiB” / “Death of LP”

insurance payment is made in the amount of 100% of the insured amount for this risk.

9.3 Upon the occurrence of an insured event “Disability of NS” / “Disability of NSiB” / “Disability”, the insurance payment is made in accordance with the terms of the Insurance Agreement. The insurance contract may provide for one of the following options.

Possible options for the amount of insurance payments (as a percentage of the insured amount):

–  –  –

9.4 When an insured event occurs under the risks of “VNT NSiB”, “VNT NS” and “VNT LP”, the insurance payment is made in the amount of 1/30 (one thirtieth) of the monthly payment of the Insured under the Loan Agreement for each day of temporary disability. The conditions for payment are determined in the Insurance Agreement and the Insurance Agreement may establish additional restrictions on the terms of payment. Repeated temporary disability (repeated cases of temporary disability) in connection with the same accident and/or illness will be considered as one insured event with the application of appropriate restrictions on the period of paid temporary disability for one insured event.

When concluding an Insurance Agreement, the Insurer has the right to establish a deferred period lasting from 0 (zero) to 61 (sixty-one) of the first calendar day of incapacity, and, accordingly, these days are not taken into account when calculating the insurance payment. The duration of the deferred period is determined upon conclusion of the Insurance Contract.

9.5 When an insured event occurs under the “Primary Diagnosis of a Deadly Disease” program, the insurance payment is determined in accordance with Appendix No. 1 to these Insurance Rules.

9.6 When an insured event occurs under the program “Survival of the Insured until loss of permanent job for reasons beyond his control,” the insurance payment is determined in accordance with Appendix No. 2 to these Insurance Rules.

From the amounts payable to the Policyholder (Insured, 9.7 Beneficiary) in connection with the occurrence of an insured event, the Insurer has the right to withhold (without an additional statement) insurance premiums that are overdue in accordance with the terms of the Insurance Agreement on the date of insurance payment.

9.8 The insurance contract may provide for a different procedure for calculating insurance payments, different from the procedure provided for in this Section.

9.9 The total amount of insurance payments for all insured events for the entire period of validity of the Insurance Agreement for the risks: “Death of the NS”, “Death of the NSiB”, “Death of the medicinal product”, “Disability of the NS”, “Disability of the NSiB”, “Disability” or insurance program “ Primary diagnosis of a deadly disease” does not exceed the insured amount established in the Insurance Policy for this insurance risk / insurance program or under the Insurance Policy as a whole.

At the same time, if an insured event occurs for any of the risks: “Death of a NS”, “Death of a NS&B”, “Death of a medicinal product”, “Disability of a NS”, “Disability of a NS&B”, “Disability” or the insurance program “Primary diagnosis of a deadly diseases", the insurance payment is reduced by the amount of previously made insurance payments under the contract.

10. PROCEDURE FOR INSURANCE PAYMENTS

10.1 Insurance payment is carried out by the Insurer regardless of all types of benefits, pensions and payments received by the Policyholder, the Insured (Beneficiary) under state social insurance and social security, labor and other agreements, Insurance Agreements concluded with other insurers and amounts due to him in the form of compensation harm under the current legislation of the Russian Federation.

10.2 Upon the occurrence of an event that has signs of an insured event, the Policyholder, the Insured or the Beneficiary must notify the Insurer about the occurrence of an event that has signs of an insured event within 35 (thirty-five) days, starting from the day when any of these persons became aware of the occurrence of the event, having signs of an insured event, in any available way that allows you to objectively record the fact of the report.

To receive an insurance payment, the Policyholder, the Insured 10.3 (Beneficiary, Legal Representative) is obliged to provide documents confirming the occurrence of the insured event:

10.3.1 Beneficiary (in connection with the death of the Policyholder / Insured):

Original insurance policy and all additional agreements thereto;

A notarized application for insurance payment in the form established by the Insurer, indicating the full bank details of the Beneficiary;

a notarized copy of the death certificate of the Policyholder/Insured;

a notarized copy of the death certificate of the Policyholder/Insured;

a copy of the medical death certificate, certified by the institution that issued it, or a notarized copy;

a copy of the inpatient card/medical history certified by the medical institution;

a copy of the outpatient card certified by the medical institution;

a copy of the forensic medical examination report certified by the institution/pathoanatomical autopsy report/extract from the forensic medical examination report (depending on the circumstances of the death);

other documents necessary to establish the causes and nature of an event that has signs of an insured event (duly certified copies of decisions to initiate a criminal case, to refuse to initiate a criminal case, to terminate a criminal case, to suspend the preliminary investigation of the case, other documents from law enforcement agencies, a copy of the court order, an industrial accident report in form N-1, etc.).

10.3.2 Policyholder, Insured (Beneficiary) in connection with cases of insurance risks “Disability NS”, “Disability”, “VNT NS”, “VNT NSiB” or “VNT LP”:

a copy of the insurance policy and all additional agreements thereto;

application for insurance payment in the form established by the Insurer, indicating the full bank details of the Policyholder/Insured;

identification document of the recipient of the insurance payment;

the original certificate of the ITU body establishing the disability group or its notarized copy;

original referral for medical examination issued by a medical institution (a copy certified by the issuing institution or a notarized copy);

originals or documents of a medical institution certified by a treatment-and-prophylactic or medical institution (extract from the medical history, outpatient card of the Insured, cards from the ITU body, x-ray images, etc.), confirming the fact of the occurrence of the insured event and the degree of damage to the health of the Insured, temporary certificate disability;

a certified copy of the inspection report from ITU;

individual rehabilitation program for a disabled person;

other documents necessary to establish the causes and nature of an event that has signs of an insured event (duly certified copies of decisions to initiate a criminal case, to refuse to initiate a criminal case, to terminate a criminal case, to suspend the preliminary investigation of the case, other documents from law enforcement agencies, a copy of the court order, an industrial accident report in form N-1, etc.);

a copy of the loan agreement and the debt repayment schedule under the loan agreement;

10.3.3 Policyholder, Insured (Beneficiary) in connection with the cases provided for under the insurance program “PDOSZ” of these Insurance Rules in accordance with Appendix No. 1 to these Insurance Rules.

10.3.4 Policyholder, Insured (Beneficiary) in connection with the cases provided for under the insurance program “Survival of the Insured until loss of permanent job for reasons beyond his control” - in accordance with Appendix No. 2 to these Insurance Rules.

10.3.5 The insurance contract may provide for a different procedure for the provision of documents (list of documents, form of their provision).

10.4 All certificates and extracts from medical institutions must indicate the diagnosis, the date of onset of the illness (disease) or the date of the accident, and must also have at least 2 seals (stamps) of the medical institution.

10.5 All documents provided for in this Section and provided to the Insurer in connection with insurance payments must be drawn up in Russian. If the documents provided to the Insurer are issued on the territory of a foreign state, they must have an apostille (if applicable) and/or a notarized translation. If documents are provided that cannot be read by the Insurer due to the handwriting of a doctor or employee of the competent authority, as well as due to violation of the integrity of the document (torn, crumpled, erased, etc.), the Insurer has the right to postpone the decision on payment until the documents are provided of proper quality.

10.6 If necessary, the Insurer has the right to request from the Policyholder/Insured (Beneficiary) other documents confirming the facts and circumstances of the occurrence of the insured event, as well as independently find out from medical institutions, law enforcement agencies and other institutions that have information about the circumstances of the insured event, the circumstances associated with this insured event, as well as organize independent examinations at your own expense.

If the documents submitted by the Policyholder/Insured (Beneficiary) do not confirm the existence of an insured event, and the Insurer’s receipt of additional documents or an independent examination has become impossible due to the fault of the Policyholder/Insured (Beneficiary), the Insurer has the right to refuse insurance payment.

10.7 Within 10 (ten) working days from the date of receipt of the documents specified in clause.

10.8 of these Insurance Rules, as well as any other written documents requested by the Insurer and establishing the fact of the occurrence of an insured event,

Insurer:

If the event is recognized as an insured event, an insurance act is drawn up;

If, based on facts related to the occurrence of an event that has signs of an insured event, in accordance with the current legislation of the Russian Federation, an additional inspection has been ordered, a criminal case has been initiated or a lawsuit has been initiated, until the end of the inspection, investigation or trial, or the elimination of other circumstances that impeded payment, decides to defer the insurance payment and notifies the Policyholder in writing;

Makes a decision to refuse insurance payment, which is communicated in writing to the Insured.

10.9 If the Insurer makes a positive decision on the insurance payment, it is carried out within 14 working days from the date of drawing up the insurance act by transferring to the recipient’s bank account. The day of payment is considered to be the day the funds are written off from the Insurer's current account.

When insuring in foreign currency equivalent, the insurance payment is made in rubles at the rate of the Central Bank of the Russian Federation established for this currency on the date of payment.

10.10 Insurance payment is made at a time to the Beneficiary specified in the Insurance Agreement;

10.11. Persons responsible for the death of the Policyholder/Insured or intentionally causing bodily harm resulting in the death of the Policyholder/Insured are not entitled to receive insurance payment.

10.12 If the court declares the Policyholder/Insured deceased, the insurance payment is made provided that the court decision indicates that the Policyholder/Insured went missing under circumstances that threatened death or give reason to assume his death from a certain accident, and the day of his disappearance or presumed death falls during the validity period of the Insurance Contract. If the Policyholder/Insured is declared missing by the court, no insurance payment is made.

10.13 Insurance payment may be made to the representative of the Beneficiary under a Power of Attorney executed by the Beneficiary in the manner prescribed by law (notarized or equivalent).

10.14 Claims for insurance payment may be presented to the Insurer within 3 (three) years from the date of the insured event.

11. TERMINATION OF THE INSURANCE AGREEMENT

11.1 The Insurance Agreement is terminated:

If the Insurer fulfills its obligations under the Insurance Policy in full;

In case of making an insurance payment for the risks “Death” or “PDOSH”;

In case of making an insurance payment for the risk “Disability” / “Disability of the National Social Security” / “Disability of the National Social Security Service” in the amount of 100% of the insured amount;

In case of expiration of the Agreement;

If the possibility of an insured event no longer exists and the existence of the insured risk ceases due to circumstances other than the insured event;

In case of expiration of the loan agreement;

In case of early repayment of debt under the loan agreement under clauses 7.2.1., 7.2.2;

In the event of the death of the Insured - an individual who has entered into an Insurance Agreement for a third party, the liquidation (reorganization) of the Insured - a legal entity in the manner established by the current legislation of the Russian Federation, if the Insured or another person in accordance with the current legislation of the Russian Federation has not assumed the responsibilities of the Insured under the Insurance Contract;

In other cases provided for by these Insurance Rules, the Insurance Agreement and the current legislation of the Russian Federation.

11.2 The insurance contract can be terminated unilaterally:

11.2.1 At the initiative (request) of the Insurer:

Based on clause 8.3.3 of these Insurance Rules.

11.2.2 At the initiative (demand) of the Policyholder.

In this case, early termination of the Insurance Agreement is carried out on the basis of a written application from the Policyholder accompanied by the Insurance Agreement and an identification document. The insurance contract is considered terminated from 00:00 o'clock on the day specified in the application, or the day the application is received by the Insurer, if the date of termination of the Agreement is not specified, or the date of termination of the Agreement specified by the Insured is earlier than the date of receipt of the application by the Insurer.

11.3 In insurance contracts with a reducing sum insured, in the event of early termination (termination) of the Insurance Contract in relation to the Policyholder (Insured) in connection with the early repayment of debt under the loan agreement, the Policyholder is paid a portion of the insurance premium in the amount of the share of the last paid insurance premium in relation to this Insured, in proportion to the unexpired part of the paid insurance period of the given Insured, minus the administrative expenses of the Insurer, unless otherwise provided by the Insurance Agreement.

In insurance contracts with a non-reducible sum insured, in the event of early termination (termination) of the Insurance Contract in relation to the Policyholder (Insured) due to early repayment of debt under the loan agreement, the insurance premium is not returned.

11.4 Administrative expenses of the Insurer amount to up to 98% (ninety-eight percent) of the paid insurance premium.

11.5 In the event of early termination of the Agreement (termination), as well as in the event of expiration of the Agreement, the Insurer’s obligations for insurance payment upon the occurrence of an insured event that occurred during the period of insurance paid by the Insured and until the termination (termination) of this Agreement remain.

12. FORCE MAJEURE

12.1 In the event of force majeure circumstances (force majeure), the Insurer has the right to delay (until the consequences of force majeure circumstances are eliminated) the fulfillment of obligations under the Insurance Contracts or is exempt from their fulfillment.

12.2 If force majeure circumstances occur, the Insurer immediately informs the Policyholder about the situation that has arisen and the measures taken to resolve it.

13. DISPUTE RESOLUTION PROCEDURE

13.1 All disputes under the Insurance Agreement between the Parties, if it is impossible to reach mutual agreement to resolve them through negotiations between the parties, shall be resolved in court:

a) for legal entities - in the Moscow Arbitration Court;

b) for individuals - in accordance with the current legislation of the Russian Federation.

14. FINAL PROVISIONS

14.1 All statements and notifications made to each other by the Insurance Subjects must be made in writing, in ways that allow the fact of communication to be objectively recorded.

The amount of administrative expenses is indicated by agreement of the parties.

14.2 Each Party is responsible for delivering its message to the other Party at the address specified in the Agreement.

14.3 In the event of a change of address without informing the other Party, the unnotified Party is released from liability for failure to inform the changer of address

Renaissance Credit LLC is one of the leaders in the financial lending market.

Sum: 700,000 rubles	Documentation: Passport of a citizen of the Russian Federation
Term: 24 – 60 months	Application consideration: 10 minutes
Interest rate (%): 11.3 %	Seniority from 3 months at last place of work
Age: from 24 to 70 years	Surety Not required
Registration A loan can be issued either in the region of permanent registration or in the region of permanent work	Pledge No collateral
Income proof Not required

Life and health insurance at Renaissance Credit Bank

By law, the issuance of an insurance policy must be carried out only with the consent of the borrower. In practice, everything is different.

At the bank, the cost of a full loan includes the price of an insurance policy. The client has the right to refuse it within 14 days from the date of conclusion of the loan agreement.

If the policy cancellation is satisfied, the outstanding debt is recalculated.

The cost of an insurance policy depends on the insurance company and the amount of credit provided.

The bank offers life insurance from partners (programs “Renaissance Life”, “Soglasie-Vita” and others). In this case, the borrower can choose the insurance company himself.

When taking out a policy, there will be additional costs for the borrower. However, the bank reduces the loan rate.

Insurance is beneficial to the bank. It helps reduce possible risks. If an insured event occurs, the client's debt will be paid by the insurance company.

Borrower insurance period

It is usually issued for the duration of the loan agreement. The countdown begins from the moment the loan agreement comes into force. End – date of making the last payment.

Exclusions from insurance coverage

Insurance services are not provided:

Under 18 years of age and over 70 years of age;

Persons who use drugs or suffer from alcoholism;

Persons with severe and incurable diseases;

Citizens under investigation.

Is it possible not to take out insurance?

According to the Federal Law and the Civil Code of the Russian Federation (Article 48), insurance is a voluntary service. However, managers motivate the offer of insurance with more favorable offers of lending conditions. Sometimes they explain the impossibility of receiving funds without a policy.

Cooling period

“Cooling off period” is the period during which the owner of an insurance policy can cancel the policy. It is 14 days (from the date of registration of the agreement).

The “cooling off period” does not apply to participants in collective agreements.

You can receive funds in full in the following cases:

• failure during cooling period
• refusal of insurance within a specified period of time;
• the application was submitted before the insurance policy commenced. Otherwise, only part of the money paid will be returned;
• the insured event has not yet occurred.

The agreement can be terminated by the borrower at any time.

You must submit an application (using a special form).

Some borrowers buy a policy in order to avoid being denied a loan. Also trying to get the most acceptable conditions.

After this, the contract is terminated within a grace period and the insurance premiums are returned in full.

Refund of loan insurance

The bank returns the client's money in full if the insurance does not take effect. Otherwise, premiums are returned in proportion to the remaining days of insurance. The bank does not charge anything additional to the borrower. When paying off the debt, the client may refuse further insurance.

Conclusion

Insurance at Renaissance Credit Bank is voluntary. Debiting from the borrower's credit account to pay for insurance is possible only with the client's consent.

During the cooling-off period, you can return all insurance payments made.

It should be borne in mind that insurance can sometimes be useful not only for the bank, but also for the borrower. It is necessary to weigh all the pros and cons of insurance in each specific case and make an informed and optimal decision.