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Offer on the procedure FOR concluding agreements on voluntary insurance against accidents FOR railway passengers when an insurance policy is CONCLUDED USING the Insurance company’s Web portal

This offer (hereinafter referred to as the Offer) is a proposal addressed to an indefinite circle of individuals by the Public Joint-Stock Company Rosgosstrakh Insurance Company, hereinafter referred to as the Insurer.

The Central Bank of the Russian Federation (Bank of Russia) issued License No. 0001 dated 6 June 2018 Series SL to the Insurer. The License is valid for an unlimited period.

This Offer is for the conclusion of an agreement on the voluntary insurance of railway passengers against accidents for the period of travel in accordance with issued electronic tickets (hereinafter the Insurance Agreement (insurance policy), subject to the Special Provisions based on Passenger Insurance Rules No. 215 in the version in force at the time the Insurance Agreement is concluded (hereinafter the Insurance Rules).

Please note that you can conclude an agreement on the voluntary insurance of railway passengers against accidents for the period of travel in accordance with the issued electronic ticket on https://pass.rzd.ru, as well as through the RZD Passengers mobile app.

This type of insurance is voluntary, and it is your right to conclude an Insurance Agreement (insurance policy) by paying an insurance premium. The conclusion of an Insurance Agreement (insurance policy) is not a prerequisite for purchasing electronic tickets.

In accordance with Article 438 of the Civil Code of the Russian Federation, an unconditional acceptance of the terms of this Offer by an individual is made by placing a tick "☑" in the box "I confirm that I have read and understood the rules and procedures covering the ordering, payment, issue and reissue of tickets and the return of unused tickets ordered via the Internet. I also confirm that I have read "the Terms of the Offer, the Insurer’s Insurance Rules and the Special Provisions on the basis of which the insurance policy is drawn up" on the web portal of Russian Railways (https://www.rzd.ru) and shall pay the insurance premium in accordance with the terms of the Insurance Agreement (insurance policy).

By performing these actions, the individual accepts all the conditions contained in this Offer, the terms of the Insurance Agreement (insurance policy and Special Provisions), the Insurance Rules, and concludes the Insurance Agreement (insurance policy) in writing.

As a user of the Russian Railways’ web portal and a potential Policyholder, you confirm your right and legal capability and financial viability, and in addition acknowledge responsibility for the obligations imposed on you by accepting this Offer.

An insurance application is made by entering the personal data of the person(s) to be covered by the insurance under the Insurance Agreement (insurance policy) on the web portal of Russian Railways and ticking "☑" the box "I confirm that I have read and understood the rules and procedures covering the ordering, payment, issue and reissue of tickets and the return of unused tickets ordered via the Internet.

I also confirm that I have read "the Terms of the Offer, the Insurer’s Insurance Rules and the Special Provisions on the basis of which the insurance policy is drawn up," by which the potential Policyholder expresses his/her agreement and the agreement of the Insured Persons (obtained by the Policyholder from the Insured Persons):

  • with the terms of the Offer;
  • with the Rules and Special Provisions of Insurance provided by the Insurer;
  • the assignment to the Insurer and the Insurer’s representative, the Federal Passenger Company Joint-Stock Company, the right to process (collect, organise, accumulate, store, clarify (update, change), use, transfer, including cross-border, depersonalise, block and destroy) their personal data, including the personal data of special categories, of a person who is indicated as the Insured Person in whose interests s/he acts, and at the same time guarantee that s/he is authorised by this person (as his/her legal representative) to perform the above actions on his/her behalf.

This consent for execution of the Agreement is given by the Insurer in order to check the quality of the services provision and settlement of losses under the Insurance Agreement and to inform the Policyholder about the Agreement’s progress and the products and services of the above-mentioned persons via telecommunication networks and by e-mail (including, but not limited to: SMS-mailing, e-mailing, telephony, Internet and mobile devices).

Upon his/her request, the Policy Holder shall provide the Insurer with the consent of the personal data subject to the processing of his/her personal data within three days if the Insurer becomes obliged to provide third parties with evidence that consent has been obtained from the personal data subject to the processing of his/her personal data in accordance with the current legislation of the Russian Federation.

The Policyholder's consent to the processing of his personal data is valid for ten years from the date the Insurance Agreement is concluded.

The Policyholder has the right to revoke his/her consent in accordance with Article 9 of Federal Law No. 152-FZ "On Personal Data" passed on 27.07.2006.

After revoking consent to personal data processing, the Insurer shall cease processing the Policyholder’s personal data, except for the processing of personal data necessary for the execution of the Insurance Agreement (Subclause 5 Clause 1 Article 6 of Federal Law No. 152-FZ "On Personal Data" passed on 27.07.2006):

  • for the provision of documents and conclusions upon the Policyholder's request by medical organisations, insurance organisations, the Mandatory Medical Insurance Fund in accordance with Federal Law N 323-FZ "On the Basis of Health Protection of Citizens in the Russian Federation" passed on 21 November 2011 and Federal Law No. 152-FZ "On Personal Data" passed on 27 July 2006 related to the occurrence of an insured event, containing personal data of the Insured Person and information constituting a medical secret, including information about the fact of the Insured Person’s claim for medical assistance, health status and diagnosis, other information obtained during medical examinations and treatment, about the list of medical organisations to which the Insured Person applied for medical assistance, and other information necessary to resolve the issue of insurance payments. The Policyholder confirms that upon the occurrence of an event that has the attributes of an insured event, the Insured Person (in the event of his/her death, the heirs) undertake(s) to provide written consent to the Insurer to provide documents related to the occurrence of an insured event containing the personal data of the Insured Person and information constituting medical secrets.
  • to be informed about the Insurer’s marketing, advertising campaigns and research with information support, including by sending SMS/voice messages, by mail, e-mail or using other telecommunication means, to receive information about new products, services, promotions and special offers of the Insurer and its partners.
  • to receive SMS notifications from the Insurer related to servicing the Insurance Agreement, information on the expiry of the Insurance Agreement (Policy) and other information related to the execution of the Insurance Agreement, on the mobile phone number specified in this Policy/Insurance Agreement.

Terms of the Offer

1. Principal provisions

The Insurer – Public Joint Stock Company Rosgosstrakh Insurance Company (hereinafter referred to as the Insurer) – carries out insurance activities in accordance with the legislation of the Russian Federation and License SL No. 0001 issued for an unlimited period by the Central Bank of the Russian Federation (Bank of Russia) on 6 June 2018.

The Policyholder is a capable individual who has entered into an Insurance Agreement with the Insurer bound to an issued electronic ticket in his/her own name or third parties (Insured Persons).

An Insured Person is an individual specified on the insurance policy who travels by rail as a passenger on an electronic ticket and whose life and health were insured by concluding an Insurance Agreement.

An Insurance Agreement (insurance policy) is a document confirming the conclusion of an agreement on voluntary insurance against accidents of railway passengers between the Policyholder and the Insurer for the period of travel on railway transport in accordance with the issued electronic ticket in the manner prescribed by this Offer, the Insurance Rules and Special Provisions.

Parties to the Insurance Agreement (insurance policy) include the Policyholder and the Insurer who have entered into the Insurance Agreement (insurance policy).

1.1. The Beneficiary is the Insured Person in respect of whom the Insurance Agreement (insurance policy) has been concluded, or his legal representatives (for minors/incapacitated persons). In the event of the death of the Insured Person, his/her heirs are recognised as Beneficiaries.

1.2. If the Insured Person is a minor (under 14 years of age) or incapacitated, the insurance payment is made to a current account opened in his/her name, or to a current account of his/her legal representative (parent, adoptive parent, guardian) upon presentation of identity documents, as well as documents confirming the right of a legal representative to receive insurance benefits:

  • birth certificate;
  • guardian’s certificate;
  • a certificate of child adoption or a copy of a court decision on adoption;
  • the decision of the guardianship authority on the establishment of guardianship.

1.3. The insured risk is a supposed event with characteristics of probability and chance, in the event of which the insurance is carried out. An event that has occurred, described as an insured risk, is an insured event.

1.4. An insured event is an event that has occurred, is provided for by an insurance contract, and upon the occurrence therefore obliges the Insurer to make an insurance payment to the Insured Person (Beneficiary).

1.5. Special Provisions and the Insurer’s Insurance Rules are available for review on the Insurer’s website by clicking on the link www.rgs.ru/fpk.

1.6. The insured amount (single) under the Insurance Agreement (insurance policy) is 1,500,000 (one million five hundred thousand roubles) for each Insured Person upon payment of the insurance premium of 200 (two hundred) roubles. The sublimit of the insured amount is 500,000 roubles for the risk "Bodily injury as a result of an accident".

1.7. Other conditions of the Insurance Agreement (insurance policy) are determined by the Insurer’s Insurance Rules and Special Provisions, which are part of this Offer.

1.8. The Federal Passenger Company (FPC JSC), the Insurer’s representative, shall provide the information specified in Clause 5 Article 8 of Law No. 4015 1 "On the Organisation of the Insurance Business in the Russian Federation" passed on 27 November 1992 at the written request of the Policyholder (Insured Person) drawn up in any form and sent to 34, Masha Poryvaeva st., Moscow.

2. Conclusion, entry into force, termination and PREMIUM payment of the Insurance Agreement (insurance policy)

2.1. The procedure of conclusion and entry into force of the Insurance Agreement (insurance policy).

2.1.1. By placing a tick "☑" in the box, "I confirm that I have read and understood the rules and procedures covering the ordering, payment, issue and reissue of tickets and the return of unused tickets ordered via the Internet. I also confirm that I have read "the Terms of the Offer, the Insurer’s Insurance Rules and the Special Provisions on the basis of which the insurance policy is drawn up" on the web portal of Russian Railways (https://www.rzd.ru) and that this constitutes an Insurance Application.

2.1.2. The Insurance Agreement (insurance policy) is drawn up on the basis of the data submitted by the Policyholder via the web portal of Russian Railways and is available in the Policyholder’s personal account on the web portal of Russian Railways.

2.1.3. The parties to the Insurance Agreement (insurance policy) confirm their agreement that the receipt of the insurance premium by the Insurer or his representative (including the FPC JSC) under the concluded Insurance Agreement (insurance policy), on the one hand, and the signing of the Insurance Agreement (insurance policy) by the Insurer using the facsimile of the Insurer’s authorised representative and the Insurer’s stamp, on the other, constitutes the proper signing of the Insurance Agreement (insurance policy).

At the same time, the Insurer assumes the obligation to produce the hard copy of the Insurance Agreement (insurance policy) if any such need arises.

2.1.4. The Parties confirm their agreement that the posting of the Insurance Policy to the Policyholder’s Personal Account on the Russian Railways’ web portal constitutes the proper delivery of the Insurance Agreement (insurance policy) to the Policyholder. The payment of the insurance premium by the Insured in accordance with the terms of the concluded Insurance Agreement (insurance policy) also constitutes confirmation of the Policyholder’s consent to receive the Insurance Agreement (insurance policy) in the specified manner and agreement with the terms of the Insurance Agreement (insurance policy) and this Offer.

At the written request of the Policyholder (Insured Person), the Insurer shall deliver the Insurance Agreement (insurance policy), signed with the original signature of the Insurer’s authorised representative, together with annexes thereto, at the Insurer’s location at the address specified in Clause 3 of this Offer no later than 30 (thirty) business days from the date the written request has been received.

In the same manner, the Insured Person may be provided with a duplicate of a lost Insurance Policy signed with the original signature of the Insurer’s representative.

2.1.5. The Parties agree to use the e-mail indicated in the insurance agreement as one of the methods for the exchange of legally viable messages by the Parties related to the emergence, change or termination of obligations under the insurance agreement, including, but not limited to: the application and delivery of the insurance policy and Special Provisions to the Policyholder; cancellation of the insurance agreement, etc.

The quality of the attached documents in the e-mail should allow for the correct identification of their content. The message is considered delivered from the moment the e-mail reaches the specified e-mail address of the recipient Party. If, due to circumstances depending on the recipient, the message was not read by him/her, such a message shall be considered to have been delivered properly.

By concluding an insurance agreement, the parties confirm the authenticity of the e-mail indicated therein. If the e-mail address is changed or is incorrect, the party whose e-mail address changed or was given by mistake shall immediately notify the other party of the change or mistake, otherwise it bears the risks of the consequences of submitting an inappropriate e-mail address.

2.1.6. The Policyholder who declared the conclusion of Insurance Agreements (Insurance policies) acts on behalf of the declared Insured Persons, in connection with which the Insured Persons and the Beneficiaries are considered informed about the conditions of the Insurance Agreement (Insurance Policy and Special Provisions), the Insurance Rules and the Terms of this Offer.

2.1.7. The Insurance Agreement (insurance policy) is considered concluded from the date of the insurance premium payment by the Policyholder in the established amount and shall remain valid for the period specified in the Special Conditions. The insurance cover under the Insurance Agreement (insurance policy) shall be valid in the manner and within the terms determined by the Special Provisions.

2.2. Procedure for the insurance premium payment under the Insurance Agreement (insurance policy).

2.2.1. Payment of the insurance premium under the Insurance Agreement (insurance policy) shall be made in non-cash form in accordance with Article 3 of Federal Law No. 161-FZ "On the National Payment System" passed on 27 June 2011 and revised on 29 December 2014 using Visa, Visa Electron, MasterCard, MIR, Maestro bank cards of Visa International and MasterCard International payment systems.

Payment by bank card shall be made after checking and confirming the order with forwarding to the VTB Bank (PJSC) payment gateway. The Policyholder has 10 minutes to make a decision to pay for the order and enter the bank card details. If the set time is exceeded, the insurance policy lapses and is cancelled.

The following bank card details are entered to pay the order: the name and surname of the bank card holder, its number and expiry date, and the three-digit code (CVV2 or CVC2) on the reverse of the bank card.

In the event that the payment is declined, the Policyholder should first contact the support service of his/her bank for clarification about the specifics of making payments using the bank card on the Internet or the reasons for the payment refusal.

The use of traffic encryption tools (SSL) ensured the security of the payment procedure.

Important details for payment by Visa Electron and Maestro cards:

Dear Policyholders – please make sure that your card has the CVV2 (CVC2) code as indicated on the reverse side of your bank card.

Card holders of foreign issuers should note that in accordance with the requirements of international payment systems, 3D Secure/Secure Code technology is used (a special technology for securing payments on the Internet) in order to increase the level of payment security. In the absence of an appropriate certificate from your bank for the use of this technology, the payment system may decline your payment request. In such cases, you should contact your bank’s customer service.

In accordance with the requirements of 3D Secure/Secure Code technology, the issuing bank may require the card holder to undergo additional identification. The need for additional identification and its method is determined only by the issuing bank. For more information on the identification procedure, the card holder should contact the customer service of the bank that issued the card.

If for some reason you have not received the order number or the Insurance Agreement (insurance policy) or confirmation of the successful order formation, please go to the "My Orders" section on the Russian Railway’s web portal and ensure that the order has in fact not gone through before placing a repeat order.

In the event of any disputes or problems regarding the debiting of funds when paying for the Insurance Agreement (insurance policy), please contact VTB Bank (PJSC) by phone 8-800-100-24-24, as well as the bank which issued your card.

2.3. Early termination of the Insurance Agreement (insurance policy) at the Policyholder’s initiative. Insurance premium refunds.

2.3.1. The Insurance Agreement (insurance policy) may be terminated at the Policyholder’s initiative within 14 (fourteen) calendar days from the date of its conclusion, with or without rejecting the electronic ticket. If there are no events in this period that have the attributes of an insured event, the paid insurance premium shall be refunded in full within 10 (ten) working days from the date a written application for an Insurance Agreement cancellation is received if the Agreement is cancelled before the date the insurance commences or in part in proportion to the insurance duration if the Agreement is cancelled after the date the insurance commences.

The Policyholder is aware that he/she has the right to withdraw from the Insurance Agreement after the "cooling-off" period has expired, and that the paid insurance premium is non-refundable unless the Policyholder rejects the ticket before commencing the journey.

If the Policyholder rejects an electronic ticket issued through the web portal of Russian Railways before commencing the journey in accordance with the above-mentioned time periods (return of the electronic ticket), the Insurance Agreement (insurance policy) shall be terminated with a refund of the full insurance premium amount. In this case, the parties do not draw up additional documents, and the basis for the termination of the Insurance Agreement (insurance policy) is the termination of the transportation agreement.

Upon termination of the Insurance Agreement (insurance policy) with the cancellation of an electronic ticket using the Russian Railways’ web portal, the insurance premium shall be refunded to the bank card account used to pay for insurance premium.

The insurance premium subject to refund for an Insurance Agreement (insurance policy) that is terminated early is credited to the bank card account which was used to pay for the Insurance premium within the timeframes established by the rules of the payment systems (from 7 to 30 calendar days from the date of return registration in the personal account). The crediting of funds to be returned to the bank card account used to make the payment for both the electronic ticket and the Insurance Agreement (insurance policy) is carried out in separate payments.

In case of any disputes or problems regarding the crediting of funds to be returned, contact VTB Bank (PJSC) by phone 8-800-100-24-24, as well as the bank which issued your card.

2.3.2. Termination of the Insurance Agreement (Insurance Policy) upon return of an electronic ticket made at the ticket offices of FPC JSC, as well as without withdrawing from the journey, may be carried out only at the Insurer’s offices upon a written application from the Policyholder (Insured Person). The cases and procedure for the insurance premium return in this case are determined by the Insurer’s Insurance Rules.

3. Insurer’s Details

Legal address: 140002, Moscow Region, Lyubertsy, Parkovaya str., 3.

Mailing address for correspondence: 119991, Russian Federation, Moscow-59, Kievskaya street, 7.

OGRN 1027739049689, INN 7707067683, KPP 502701001/997950001

Bank details:

c/a 40701810810294001726

BIC 044525297

Bank: FG Otkritie PJSC, Moscow.

E-mail: rgs@rgs.ru

www.rgs.ru