Public offer on the procedure for concluding passenger insurance agreements SOGAZ JSC
This Public Offer (hereinafter referred to as the "Offer") is a proposal to the Gas Industry Insurance Company (SOGAZ JSC) addressed to an indefinite circle of individuals (hereinafter referred to as the Insurer) to enter into an insurance contract for passengers for the duration of a trip in accordance with the issued electronic travel document (hereinafter referred to as the electronic ticket) (hereinafter referred to as the Insurance Contract or insurance policy) subject to the conditions established by the Rules for Voluntary Insurance of Passengers dated December 27, 2017 (hereinafter referred to as the Rules for Insurance of the Insurer).
Please note that it is possible to conclude a passenger insurance contract for the period of travel in accordance with the formed electronic ticket on the website https://eng.rzd.ru, as well as in mobile application RZD to Passengers.
This insurance is voluntary, and the conclusion of the insurance contract with the payment of the insurance premium is your right. The conclusion of the insurance contract is not a prerequisite for the purchase of an electronic ticket.
In accordance with Article 438 of the Civil Code of the Russian Federation, the unconditional acceptance (acceptance) of the terms and conditions of this Offer by an individual is considered ticking the box "☑"On the page opposite the statement "I confirm, that I have read and understood the rules and features of placing an order, paying for it, processing and re-issuing a travel document (ticket), returning an unused travel document (ticket) ordered via the Internet. I also confirm, that I have read the Insurance Policy of the Insurer under the issued insurance policy and the terms of the Offer" on the Joint-Stock Company "Russian Railways" web portal (https://https://eng.rzd.ru) and payment of insurance premium in accordance with the terms of the Insurance Contract (insurance policy). Performing these actions means, that the individual accepts all the terms of this Offer, the terms of the Insurance Contract, the Insurer's Insurance Rules and is the conclusion of the Insurance Contract (insurance policy) in writing.
As a user of the Joint-Stock Company "Russian Railways" web portal and a potential Insured, you confirm your right and legal capacity, financial viability, and acknowledge responsibility for the obligations imposed on you as a result of the acceptance of this Offer.
The application for insurance is the submission on the web portal of Joint-Stock Company "Russian Railways" personal data of persons subject to insurance under the insurance policy, and an affirmative mark "☑" opposite to the statement "I confirm, that I have read and understood the rules and specifics of ordering, paying for it, processing and re-issuing a travel document (ticket), return of an unused travel document (ticket) ordered via the Internet. I also confirm, that I have been acquainted with the Rules for Insurance under the issued insurance policy and the terms of the Offer", which the potential policyholder expresses their consent and consent of the insured persons:
- with the terms of the Public Offer;
- with the Rules for Insurance of the Insurer;
- on the processing of personal data specified by him when an electronic ticket was issued by the Insurer and the Insurer's representative − Federal Passenger Company Joint-Stock Company, including the collection, systematization, accumulation, storage, clarification, use, depersonalization, blocking, destruction (without notice of destruction), by processing in an automated or non-automated way for the purpose of carrying out insurance activities for a period of 5 years, as well as transferring them in order to fulfil the Insurance Contract, and ensure internal document management, to third parties.
The consent may be revoked (in whole or in part) by sending in a free-form written statement of the insurer (Insured person) to the Insurer at the address: 10, Akademika Sakharova avenue, 107078, Moscow, Russian Federation.
The insurer undertakes to ensure the safety and non-disclosure of personal data of the Insured and other individuals specified in the Insurance Agreement (insurance policy) in accordance with the requirements of Federal Law No. 152-ФЗ "On Personal Data".
Public Offer terms
1. General conditions
The insurer shall be Gas Industry Insurance Company Joint-Stock Company (SOGAZ JSC), which carries out insurance activities in accordance with the legislation of the Russian Federation and the license of the Bank of Russia СЛ No. 1208 dated August 5, 2015 (the period of license validity is not limited).
The insurer is recognized as a capable physical person, who has entered into an insurance contract with the Insurer to an issued electronic travel document (ticket) regarding the life and health of the Insured.
The insured (natural person), who has entered into an insurance contract in respect of his property interests, is also considered an insured person.
Insured person − an individual named in the insurance policy, who travels by rail as a passenger in accordance with an electronic travel document (ticket) and has an Insurance Contract for the life and health.
Insurance policy is a document confirming the conclusion between the Insured and the Insurer of a voluntary accident insurance contract for the period of a trip in the railway transport in accordance with the issued electronic travel document (ticket) in the manner provided for by this Offer and the Insurer's Insurance Rules.
Parties to the Insurance Agreement (insurance policy) − the Policyholder and the Insurer, who have entered into the Insurance Agreement (insurance policy).
1.1. Beneficiary is an individual, in whose favour an insurance contract has been concluded and who is entitled to an insurance payment.
Under the Insurance Contract, the Beneficiary shall be recognized as the Insured, and in the event of the Insured's death, their heir (heirs).
1.2. An accident is understood as actually occurring during the validity of the insurance contract and during the trip (hereinafter defined as in cl. 1.5.of this Offer), regardless of the will of the Insured person and/or the Policyholder and/or the Beneficiary, during the validity of the insurance contract, sudden, transient, unforeseen event resulting in a traumatic injury, acute poisoning (other than food toxic infection, alcohol poisoning, narcotic, psychotropic substances), which is not a consequence of a disease, that occurred with the Insured in a vehicle or on a territory of the station, roadside station, passenger platform and the like facilities designed to serve passengers, as a result of which there was a temporary or permanent loss by the Insured of the total working capacity or their death.
Under these Rules, an acute or chronic disease and its complications (both previously diagnosed and first diagnosed) caused by exposure to external factors, in particular, bronchial asthma, acute respiratory disease, any manifestations of allergic reactions, myocardial infarction, stroke, aneurysms, tumours, functional insufficiency of organs, congenital anomalies of organs, as well as infectious diseases, including accompanied by intoxication, are not considered an accident.
1.3. Insured events under these Rules, subject to the exceptions set forth in cl. 1.6. of this Offer, shall be the following insured events, with the occurrence of which the Insurer is obliged to make insurance payments to the Insured (Beneficiary):
1.3.1. "Temporary loss of general working capacity as a result of an accident" temporary loss by the Insured of a general working capacity or temporary acute impairment of health as a result of an accident, that occurred during the validity of the insurance contract during the trip of the Insured as a passenger on board the railway transport, if there is a causal link between the accident and temporary loss of the general working capacity or temporary acute health disorder of the Insured;
For non-working Insured Persons, including children under the age of 18 years and retirees, temporary loss of total work capacity is understood to be a temporary acute health disorder as a result of an accident, that occurred during the term of the insurance contract during the Insured's trip as a passenger, which required treatment for a certain limited continuous period of time.
Continuous treatment is understood only as treatment prescribed by a medical worker, who has the right, according to medical science, the nature of the damage received by the Insured, with periodic (at least once every 10 days) control of its effectiveness (directly at a medical organization or at home, when a medical worker visits the Insured).
The period of continuous treatment does not include the time, during which periodic preventive measures are taken for the Insured Person (for example, vaccination against tetanus, rabies, etc.) resulting from an accident and injuries carried out beyond the period of treatment. The specified time is not taken into account, when calculating the insurance payment for the risk of temporary loss of general working capacity.
1.3.2. "Permanent loss of general working capacity (disability) as a result of an accident" is establishing the disability of the I, II, III group, category "disabled child" for the Insured within 12 months from the date of the occurrence of an accident, that occurred during the validity of the insurance contract during the trip of the Insured person as a passenger, if there is a causal link between the accident and the establishment of disability to the Insured;
Disability groups correspond to the groups established by the Bureau of Medical and Social Assessment (hereinafter - the MSA Bureau) to characterize the degree of disability and the requirements of care, indications and contraindications of a medical nature.
1.3.3. "Death as a result of an accident" is the death of the Insured person, which occurred within 12 months from the date of the accident, that occurred during the validity of the insurance contract during the Insured's trip as a passenger on board the railway transport, if there is a causal link between the accident and the death of the Insured.
1.4. Insured events, with the exception of the events stipulated in cl. 1.6. of this Offer, the events listed in cl. 1.3. of this Offer resulting from an accident (Section 1.2. of this Offer), that occurred to the Insured during the insurance contract during the trip, and confirmed by documents of the relevant authorities, drawn up in accordance with the procedure established by law executed in the manner prescribed by law and the Insurer Insurance Rules.
1.5. The insurance contract is for the period of one trip of the Insured person by rail. The trip period starts from the moment the Insured person arrives at the roadside station/station at the point of departure indicated on the ticket (travel document), but not earlier than the boarding of the vehicle is announced and not earlier than 30 minutes before the train departs specified in the insurance contract (at the intermediate station during the course of the vehicle, not earlier, than the vehicle arrives at the roadside station/station) and ends, when the Insured Person leaves the destination (roadside station/station), provided that there is an hour span from the time the vehicle arrives until the Insured Person leaves the destination (roadside station/station).
1.6. Under the insurance contract in accordance with these Rules, events occurred to the Insured during the trip as a result of:
1.6.1. suicides or attempted suicides of the Insured, except for cases, when the Insured person was brought to suicide or attempted suicide by the illegal actions of third parties;
1.6.2. alcohol intoxication of the Insured person, toxic or narcotic intoxication, or poisoning of the Insured person as a result of his consumption of alcohol-containing, narcotic, toxic and psychotropic, medical substances without a doctor’s prescription (or as prescribed by a doctor, but with a violation of the indicated dosage), except for cases, when the Insured was brought to such a state as a result of illegal actions of third parties.
1.6.3. commission of an intentional crime by the Insured;
1.6.4. deliberate failure of the Insured to comply with the requirements of the train commander, aircraft commander, captain of a watercraft, station commander, airport, carrier representatives or other authorized officials;
1.6.5. intentional violation of transport regulations by the Insured person or any other event not directly related to the trip or passenger services;
1.6.6. diseases (acute, subacute, chronic (including mental), infectious, including those accompanied by intoxication) and post-traumatic conditions after the event (including post-traumatic arthritis/arthrosis, post-traumatic contracture, habitual dislocation, pathological fracture, damage to the capsular-ligamentous apparatus, post-traumatic encephalopathy, post-traumatic stress disorder);
1.6.7. deliberate infliction and/or attempts to injure themselves (self-harm) by the Insured person, regardless of their mental health condition, or intentional infliction of injuries to the Insured person by any person with his consent, regardless of the mental state of the Insured person.
1.7. The insurer shall be exempt from the insurance payment, when the insured event occurred due to the intent of the Policyholder, the Insured Person, the Beneficiary.
1.8. The insurer is exempt from insurance payment when the insured event occurred due to:
1.8.1. impact of a nuclear explosion, radiation or radioactive contamination;
1.8.2. military operations, as well as maneuvers or other military actions;
1.8.3. civil war, public unrest of any kind or strikes;
1.9. The insurer is entitled to refuse the insurance benefit, if the Insured (the Insured or his legal representative, Beneficiary) failed to notify the Insurer (or his representative) about the occurrence of the insured event (cl. 9.1 of the Insurance Rules), should it not be proved, that the Insurer had timely learned about the occurrence of an insurance event, or that the absence of information with the Insurer about it could not have affected the obligation thereof to make an insurance payment.
The failure of the Insurer to make an insurance payment may be appealed by the Insured (the Insured or his legal representative, Beneficiary) in the manner prescribed by the legislation of the Russian Federation and the insurance contract.
Insurance policy of the Insurer is available for review on the Insurer's website by clicking to the link
1.10. The insurance amount under the insurance contract shall be 1,500,000 (One million five hundred thousand roubles). The insurance premium under the insurance contract shall be 150 (one hundred and fifty) roubles.
1.11. Other terms and conditions of the Insurance Contract are determined by the Insurer's Insurance Rules.
1.12. The representative of the Insurer - JSC FPC, undertakes at the written request of the person intending to conclude an insurance contract drawn up in an arbitrary form and sent to Moscow, ul. Masha Poryvaeva, d. 34, to provide information specified in cl. 5 of Article 8 of the Law of the Russian Federation No. 4015-1 "On the organization of insurance business in the Russian Federation" of November 27, 1992.
2. Conclusion, entry into force, termination and payment of the insurance contract (insurance policy)
2.1. The procedure for the conclusion and entry into force of the insurance contract (insurance policy)
2.1.1. An affirmative mark "☑" in the field "Registration of an insurance policy" on the web portal of Joint-Stock Company "Russian Railways" equals to an application for the conclusion of an insurance contract (insurance policy).
2.1.2. The insurance contract (insurance policy) is based on the data provided by the Insured on the Joint-Stock Company "Russian Railways" web portal and is available in the Insured's Personal Account on the Joint-Stock Company "Russian Railways" web portal.
2.1.3. The parties to the insurance contract (insurance policy) confirm their agreement, that the insurance premium received by the insurer or its representative (including JSC FPC) on the insurance contract (insurance policy) to be concluded on the one hand, and the insurer using the facsimile display of the signature of the authorized representative of the Insurer and the seal of the Insurer on the other hand, shall be deemed signing the Insurance Contract (insurance policy) in the orderly manner.
2.1.4. However, the Insurer and the Policyholder undertake to render the Insurance Contract (insurance policy) as hard copies whenever necessary.
2.1.5. The parties agree, that the transfer of the Insurance Policy to the Personal Account of the Insured on the Joint-Stock Company "Russian Railways" web portal shall be the proper delivery of the Insurance Contract (insurance policy) to the Insured. The payment of the insurance premium by the Insured in accordance with the terms of the concluded Insurance Contract (insurance policy) shall also be deemed a confirmation of the Insurer's consent to receive the Insurance Contract (insurance policy) in the specified order and agree with the terms of the Insurance Contract (insurance policy), the Insurer's Insurance Rules and this Offer.
At the written request of the Insured (Insured), no later than 30 working days from the date of receipt of the written request, the Insurer shall deliver the Insurance Contract (insurance policy) signed with the original signature of the authorized representative of the Insurer, and attachments to it, at the location of the Insurer, at the address specified in cl. 3. of this Offer.
Similarly, the Insured may be provided with a duplicate of the lost Insurance Policy signed by the original signature of the Insurer’s representative.
2.1.6. The Insured entered into an insurance contract (insurance policy) shall act on behalf of all declared insured persons, for which reason all insured persons and beneficiaries shall be deemed informed of the terms of the insurance contract (insurance policy), the insurance policy of the insurer and the terms of this Offer.
2.1.7. The insurance contract (insurance policy) is considered to be concluded from the date of the payment of the insurance premium by the Insured in the prescribed amount and is valid for the period specified in the Insurer's Insurance Rules. Insurance coverage under the Insurance Contract (insurance policy) is valid in the manner and within the time limits specified in the Insurance Policy of the Insurer.
2.2. The procedure for payment of insurance contracts (insurance policies)
Payment of insurance contracts (insurance policies) is made in non-cash form in accordance with cl. 3 of the Federal Law No. 161 FZ "On the National Payment System" of 27.06.2011 through Visa, Visa Electron, MasterCard, MIR, Maestro Visa International, MasterCard International payment systems and the MIR national payment system. Payment by credit card is made after checking and confirming the order with the redirection to the payment gateway of VTB 24 (PJSC). 10 minutes are given to make the decision to pay for the order and enter the details of a bank card to the Insured. In case of exceeding the specified time, the insurance policy shall be cancelled.
When paying for the order, the following bank card details shall be entered: the name and surname of the bank card holder, its number and expiration date, and a three-digit code (CVV2 or CVC2). The Insured is recommended to firstly contact the insurer's bank support service for details on the peculiarities of payment by the insured bank card on the Internet, the reasons for the refusal to process a payment.
The security of the payment procedure is ensured by the use of traffic encryption (SSL).
Payment details for Visa Electron and Maestro cards:
Dear Insurers, please, make sure, that your card has the CVV2 (CVC2) code on the back of the bank card. Attention to holders of cards of foreign issuers! In accordance with the requirements of international payment systems, 3D Secure/Secure Code (a special technology of secure payments on the Internet) is used to increase the level of security when paying. In the absence of the appropriate certificate of your bank for the use of this technology, you may be denied to make payment by the payment system. If you receive a payment refusal, please, contact your bank's support service.
In accordance with the requirements of 3D Secure/Secure Code, 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 about the identification procedure, the Cardholder should contact the support service of the bank, that issued the card.
If for any reason you have not received an order number or an insurance contract (insurance policy), or a confirmation of successful order formation, please, visit the "My Orders" section before making a re-order and make sure, that the order has indeed not been processed.
In case of any disputable issues regarding the write-off of funds when paying for the Insurance Contract (insurance policy), please, contact VTB 24 (PJSC) by phone 8-800-100-24-24, as well as the issuing bank, of which you are a cardholder.
2.3. Early termination of the insurance contract (insurance policy) on the initiative of the insured. Return of the insurance premium
2.3.1. An insurance contract (insurance policy) may be terminated early by the Insured, together with the refusal of an electronic ticket, but no later than 1 (one) hour before the departure of the domestic train and not less than 6 (six) hours the time of departure of the intentional train specified in the electronic ticket, to which the Insurance Contract (insurance policy) was drawn. If the Policyholder refuses an e-ticket issued via the Joint-Stock Company "Russian Railways" web portal prior to the commencement of the trip in accordance with the above-mentioned time periods (return of the e-ticket), the Insurance Contract (insurance policy) is subject to termination with the return of the insurance premium in full. In this case, the additional documents are not drawn up by the parties, the basis for termination of the Insurance Contract (insurance policy) shall be the fact of termination of the transport agreement. The return of the insurance premium upon termination of the Insurance Contract (insurance policy) with the refusal of an electronic ticket using the web portal of Joint-Stock Company "Russian Railways" is made to the account of the bank card from which the insurance premium was paid.
The insurance premium to be refunded for an early terminated insurance contract (insurance policy) is carried out in full to the account of the bank card, with which the insurance contract (insurance policy) was paid, in the terms provided for by the rules of payment systems (from 7 to 30 calendar days from the date of return in your personal cabinet). Crediting of funds to be returned to the account of the bank card, with which both the electronic ticket and the Insurance Contract (insurance policy) were paid, shall be made in separate payments.
In case of any controversial issues regarding the crediting of funds to be returned, please, contact VTB 24 (PJSC) by phone 8-800-100-24-24, as well as the issuing bank, of which you are a cardholder.
2.3.2. The termination of an insurance contract (insurance policy) issued to an e-ticket in the event of returning an e-ticket made at the ticket offices of JSC FPC, as well as without cancelling the trip, can be carried out only in the offices of the Insurer upon written request of the Insured (Insured). At the same time, in the event of early termination of the Insurance Contract (insurance policy) without returning an electronic ticket, the Insured (Insured) must notify the Insurer in writing, but no later than 30 minutes before the departure of the train specified in the travel document, to which the insurance contract was concluded.
If the Insured refuses the insurance contract (insurance policy), the insurance premium paid to the Insurer shall be refunded to the Insured in full upon written request of the insured.
3. Details of the Insurer
Joint Stock Company Insurance Company of the Gas Industry (SOGAZ JSC)
License granted by the Central Bank of the Russian Federation СЛ№1208
Legal address: 10 Akademika Sakharova av., Moscow, 107078, Russian Federation
Actual address: 10 Akademika Sakharova av., Moscow, 107078, Russian Federation
OGRN 1027739820921 INN 7736035485 KPP 997950001(775001001),
OKPO 17660963, OKVED 66.03, 65.23, 65.23.1,72.20, 72.40, 74.13.1,74.14, 74.84
s/a 40701810500000000052 with Gazprombank, JSC, Moscow
Corr./Acc. 30101810200000000823 with Operations Department of the Moscow Main Territorial Department of the Bank of Russia
BIK 044525823, OKONH 96220
SOGAZ JSC Common Contact Centre 8-800-333-0-888 (round-the-clock free call from any region of the Russian Federation)