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PUBLIC OFFER ON THE PROCEDURE FOR CONCLUDING PASSENGER INSURANCE CONTRACTS OF JSC SOGAZ

This Public Offer (hereinafter referred to as the “Offer”) is a proposal addressed to an indeterminate circle of individuals by the Joint Stock Company Gas Industry Insurance Company (JSC SOGAZ) (hereinafter referred to as the "Insurer") to conclude an insurance contract for medical and other expenses of individuals (hereinafter referred to as the "Insurance Contract" or the "Insurance Policy") for the period of carriage in accordance with a formed electronic travel document (hereinafter referred to as an "Electronic Ticket") and/or for the period specified in the Insurance Contract (Insurance Policy) after the carriage end, taking into account the conditions established by the Insurance Conditions, Rules of Combined Passenger Insurance of JSC SOGAZ as revised on September 3, 2018 (hereinafter referred to as the "Rules"), Additional Terms and Conditions No. 2 on insurance of medical and other expenses to the Rules (hereinafter referred to as "ATC No. 2 to the Rules") and the current legislation of the Russian Federation. The Rules and ATC No. 2 to the Rules, the Memo to the recipient of insurance services can be found on the Insurer's website (reference to the Rules, ATC, Insurance Terms, Memo to the recipient of insurance services).

Please note that it is possible to conclude a passenger insurance contract for the period of transportation in accordance with the formed electronic travel document on the website https://eng.rzd.ru, as well as in mobile application RZD for Passengers.

This type of insurance is voluntary and it is your right to sign an Insurance Contract and pay the insurance premium. The conclusion of an Insurance Contract is not a prerequisite for purchasing an e-ticket.

In accordance with Article 438 of the Civil Code of the Russian Federation, a positive mark “☑ ” on the page opposite the application “Forming the Insurance Policy Medical Expenses (ME)” on the web portal of JSCo RZD (https://eng.rzd.ru/) and payment of insurance premium in accordance with the terms of the Insurance Contract is considered to be an unconditional acceptance of the terms of this Offer. The performance of these actions means acceptance by an individual of all the conditions of this Offer, the terms of the Insurance Contract, Insurance Conditions, Insurance Rules, ATC No. 2 to the Rules, Memo to the recipient of insurance services and is the conclusion of the Insurance Contract (Insurance Policy) in writing.

As a user of JSCo RZD web portal and a potential policyholder, you confirm your right and capacity, financial solvency, as well as understand your liability for obligations assumed by you a result of the acceptance of this Offer.

Entering of personal data of persons subject to insurance under the Insurance Policy on the web portal of JSC “Russian Railways” and the positive mark “☑" opposite the application “Forming the Insurance Policy Medical Expenses (ME)” is the application for insurance by which the potential Policyholder expresses his/her consent:

  • with the terms of the Public Offer;
  • with Insurer's Insurance Conditions;
  • with Rules of Combined Passenger Insurance of JSC SOGAZ as amended on September 3, 2018, Additional Terms and Conditions No. 2 on insurance of medical and other expenses to the Rules;
  • with a Memo to the recipient of insurance services;
  • to the processing of personal data specified by him/her when forming an electronic ticket, by the Insurer and the Insurer representative — Joint Stock Company Federal Passenger Company, including collection, systematization, accumulation, storage, refinement, use, depersonalization, blocking, destruction (without notice of destruction), by automated or non-automated processing in order to carry out insurance activities for a period of 5 years, as well as their transfer in order to fulfill the Insurance Contract, and to ensure internal document flow, to third parties.

Consent to the personal data processing may be revoked (in whole or in part) by sending in any written form the relevant application by the Policyholder (Insured Person) to the Insurer at the address: 107078, Russian Federation, Moscow, 10 Akademika Sakharova Avenue

The Insurer undertakes to ensure that the personal data of the Policyholder and other individuals specified in the Insurance Contract (Insurance Policy) are secured and not disclosed in accordance with the requirements of Federal Law No. 152-FZ "On personal data".

TERMS OF THE PUBLIC OFFER

1. BASIC CONDITIONS

Insurer — Joint Stock Company Gas Industry Insurance Company (JSC SOGAZ), which carries out insurance activities in accordance with the legislation of the Russian Federation and the Bank of Russia License SI No. 1208 (validity period of the License is not limited).

The Policyholder is a legally capable individual who has concluded an Insurance Contract with the Insurer to the formed electronic travel document (ticket) of his/her property interests or property interests of third parties (Insured Persons).

The Policyholder who has concluded the Insurance Contract of his/her property interests is the Insured Person.

The Insured Person is an individual up to and including the age of ninety (90) on the date of entry into the Insurance Contract whose property interests relating to the risk of incurring unforeseen expenses from among those specified in the Insurance Conditions in the insurance territory provided for in the Insurance Contract are insured in accordance with the Insurance Contract.

Insurance policy — a document confirming the conclusion between the Policyholder and the Insurer of the insurance contract for medical and other expenses of individuals for the carriage period in accordance with the formed Electronic Ticket and/or for the period specified in the Insurance Contract after the end of carriage, taking into account the conditions established by the Insurance Conditions, Rules, ATC No. 2 to the Rules and current legislation of the Russian Federation.

The parties to the Insurance Contract (Insurance Policy) are the Policyholder and the Insurer who have concluded the Insurance Contract (Insurance Policy).

2. CONCLUSION AND PAYMENT OF THE INSURANCE CONTRACT. WAIVER OF THE INSURANCE CONTRACT

2.1. Procedure for conclusion and entry into force of the Insurance Contract.

2.1.1. The positive mark “☑” in the field “Forming the Insurance Policy Medical Expenses (ME)” on the web portal of JSCo RZD is equated to the Application for Insurance Contract Conclusion.

2.1.2. The Insurance Contract (Insurance Policy) is formed on the basis of the data presented by the Policyholder on the web portal of JSCo RZD and is available in the Personal Account of the Policyholder on the web portal of JSCo RZD.

2.1.3. The parties to the Insurance Contract (Insurance Policy) agree that the receipt by the Insurer or its representative (including JSC FPK) of the insurance premium under the concluded Insurance Contract (Insurance Policy) - on the one part, and the signing of the Insurance Contract (Insurance Policy) by the Insurer using a facsimile of the signature of the Insurer's authorised representative and the Insurer's seal, on the other part, is a proper signing of the Insurance Contract (Insurance Policy).

The Insurer and the Policyholder undertake to reproduce the Insurance Contract (Insurance Policy) on paper if necessary.

2.1.4. The parties confirm their agreement that the transfer of the Insurance Policy to the Personal Account of the Policyholder on the web portal of JSCo RZD is a proper delivery of the Insurance Contract (Insurance Policy) to the Insurer. The insurance premium payment by the Policyholder in accordance with the terms of the concluded Insurance Contract (Insurance Policy) is also a confirmation of the Policyholder's consent to receive the Insurance Contract (Insurance Policy), the Memo to the recipient of insurance services, Insurance Conditions, Rules, ATC No. 2 to the Insurer's Rules of the Insurer and this Offer.

2.1.5. The Policyholder who has applied for the Insurance Contract conclusion acts on behalf of all declared Insured Persons. The Policyholder is obliged to familiarize the Insured Persons with the terms of the Insurance Contract (Insurance Policy), Insurance Conditions, Rules and ATC No. 2 to the Insurer's Rule, Memo to the recipient of insurance and the terms of this Offer.

2.1.6. The Insurance Contract is considered concluded from the date of payment of the insurance premium in a prescribed amount and is valid for the period determined by the Insurance Policy and the Insurance Conditions. Insurance under the Insurance Contract (Insurance Policy) is valid in the manner and for the period determined by the Insurance Policy and Insurance Conditions.

2.2. Procedure for payment of insurance contracts (insurance policies).

2.2.1. The payment for insurance contracts (insurance policies) is effected in a non-cash form in accordance with Article 3 of Federal Law No. 161 FZ dated June 27, 2011 “On the national payment system” with the help of Visa, Visa Electron, MasterCard, Maestro and bank card of the Mir national payment system, international payment systems Visa International, MasterCard International. Payment by bank card is made after checking and confirming the order with forwarding to the payment gateway of VTB Bank (PJSC). The Policyholder shall be given 10 minutes to make a decision on payment of the order and enter the details of the bank card. In case of exceeding the specified time, the registration of the Insurance Policy is terminated.

When paying for the order, the following details of the bank card are entered: name and surname of the card holder, its number and expiration date, as well as the three-digit code (CVV2 or CVC2).

For explanations about the peculiarities of payment with a bank card of the Policyholder on the Internet, reasons for refusal to pay, the Policyholder shall first contact the support service of the Policyholder bank.

Security of the payment procedure is ensured by the use of traffic encryption tools (SSL).

Specifics of payment with Visa Electron and Maestro cards:

Dear Insurers, make sure that your card has the CVV2 code (CVC2) placed on the back of the bank card. Attention to the cardholders of foreign issuers! In accordance with the requirements of international payment systems, 3D Secure/Secure Code (a special Internet payment security technology) is used to improve payment security. If your bank is not certified to use this technology, you may be refused to effect payment by the payment system. If you receive a refusal to pay, please contact the support service of your bank.

In accordance with the requirements of 3D Secure/Secure Code technology, when paying for an order, the issuing bank may require the cardholder 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 cardholder should contact the support service of the card issuing bank.

If for any reason you have not received an order number or the Insurance Contract (insurance policy) or confirmation of successful order formation, please go to "My Orders" before placing a repeat order and check that the order has indeed not been formed.

In case of disputes about the write-off of funds when paying for the Insurance Contract (Insurance Policy), please contact VTB Bank (PJSC) by phone 8-800-100-24-24, or the issuing bank which bank card you are a cardholder.

2.3. Refusal from the Insurance Contract (Insurance Policy) on the Policyholder initiative. Return of the insurance premium.

The Policyholder may refuse from the insurance contract at any time, if by the time of refusal the possibility of occurrence of an insured event has not disappeared due to circumstances other than the insured event. The insurance premium paid to the Insurer is returned to the Policyholder in full if the Policyholder withdraws from the insurance contract before the beginning of the insurance period specified in the insurance contract.

2.3.1. If the Policyholder who is an individual has withdrawn from the insurance contract within 14 (fourteen) calendar days from the date of its conclusion (unless a different term is established by Bank of Russia Decree No. 3854-U dated November 20, 2015 "On minimum (standard) requirements for the conditions and procedure for certain types of voluntary insurance" (hereinafter - "Decree No. 3854-U") as in effect on the date of conclusion of the insurance contract), regardless of the moment of payment of the insurance premium, in the absence of events in this period that have signs of an insured event, the Insurer has to return the paid insurance premium or its part to the Policyholder in the following order:

a) if the Policyholder withdraws from the Insurance Policy before the date of commencement of the Insurance (the occurrence of the Insurer's obligations under the concluded Insurance Policy), the Premium paid is returned to the Policyholder in full;

b) if the Policyholder withdraws from the Insurance Policy after the date of commencement of the Insurance (the occurrence of the Insurer's obligations under the concluded Insurance Policy), the Insurer is entitled to withhold part of the Premium paid to the Policyholder when returning the Insurance Premium in proportion to the period of validity of the Insurance Policy from the date of commencement of the Insurance to the date of termination of the Insurance Policy.

2.3.2. In the case referred to in Clause 2.3.1. of the Offer, the Insurance Policy is deemed terminated on the date of receipt by the Insurer of the Policyholder's written application for withdrawal from the Insurance Policy or on another date agreed upon by the parties, but no later than on the date specified in Clause 2.3.1. of the Offer. The said application is prepared by the Policyholder in an arbitrary form.

2.3.3. The insurance premium or a part thereof is returned to the Policyholder pursuant to Clause 2.3.1. of the Offer in the manner specified by the Policyholder in the application to withdraw from the insurance contract within ten (10) business days from the date of receipt by the Insurer of the Policyholder's written application to withdraw from the insurance contract.

2.3.4. The provisions of Clauses 2.3.1 to 2.3.3 of the Offer do not apply to the following cases of voluntary insurance:

  • voluntary insurance providing for payment of medical care provided to a citizen of the Russian Federation located outside the territory of the Russian Federation and/or payment for the transportation of the body (remains of deceased) to the Russian Federation;
  • voluntary insurance, which is a prerequisite for the admission of an individual to perform professional activity in accordance with the legislation of the Russian Federation.

2.3.5. If the insurance contract is terminated early not later than one (1) hour before the start of the first carriage specified in the electronic ticket to which the Insurance Contract (Insurance Policy) was formed, the insurance premium is returned in full.

Additional documents are not formed by the parties. Upon termination of the Insurance Contract (Insurance Policy) using the web portal of JSCo RZD the insurance premium is returned to the bank card account, from which the insurance premium was paid.

The insurance premium to be returned for an Insurance Contract (Insurance Policy) terminated earlier is credited to the bank card account from which payment for the Insurance Contract (Insurance Policy) was made within the term stipulated in the payment system rules (from 7 to 30 calendar days after drawing up the return in your personal account). The insurance premium to be returned is credited by a separate payment to the account of the bank card from which both the e-ticket and the Insurance Contract (Insurance Policy) were paid for.

In case of disputes regarding the transfer of funds to be returned, please contact VTB Bank (PJSC) by phone 8-800-100-24-24, as well or the issuing bank which bank card you are a cardholder.

2.3.6. Refusal from the Insurance Contract (Insurance Policy) formed in connection with an electronic ticket less than one (1) hour before the start of the first carriage specified in the electronic ticket to which the Policy was issued, and also in case of return of the electronic ticket made at the ticket offices of JSC FPC, can be carried out only in the offices of the Insurer on the written application of the Policyholder (Insured Persons). When returning the premium paid to the Policyholder, the Insurer may withhold a portion of the premium in proportion to the period of validity of the Insurance Policy from the date of commencement of the Insurance to the date of termination of the Insurance Policy.

2.3.7. In other cases, in case of refusal of the Insured Person from the insurance contract, the insurance premium is not subject to return.

Insurer bank details:

Joint Stock Company Gas Industry Insurance Company (JSC SOGAZ)

License of the Bank of Russia SL No. 1208

Legal address: 107078, Russian Federation, Moscow, 10 Akademika Sakharova Avenue

Actual address: 107078, Russian Federation, Moscow, 10 Akademika Sakharova Avenue

OGRN (Primary State Registration Number) 1027739820921, INN (Taxpayer Identification Code) 7736035485, KPP (Tax Registration Reason Code) 997950001 (775001001),

OKPO (National Classifier of Enterprises and Organizations) 17660963, OKVED (National Classifier of Types of Economic Activity) 66.03, 65.23, 65.23.1, 72.20, 72.40, 74.13.1, 74.14, 74.84

Bank details:

  • settlement account 40701810500000000052 in VTB Bank (JSC) Moscow
  • correspondent account 30101810200000000823 at the Operations Department of the Moscow Main Territorial Department of the Bank of Russia
  • BIC (Bank Identification Code) 044525823, OKONKh (All-Russia Classifier of Economy Branches) 96220

Joint Contact Center of JSC SOGAZ 8-800-333-08-88 (24 hours a day free call from any region of the Russian Federation).