Notes on filling out the list of insured persons. Other reviews of the ot bank The list of management companies with which the Pension Fund of the Russian Federation has concluded trust management agreements for pension savings
APPLICATIONS / REQUESTS
BANK CLIENTS
RECORDER / EXPERT
DIRECT SALES
JSC "OTP BANK" Content
1. Reception of applications / requests.
2. Processing applications / requests.
3. Transfer of money.
4. Transfer of money transferred by mistake.
5. Disagreement with the transaction. Controversial transaction.
6. Termination of the card agreement.
7. Providing information on the presence / absence of debt.
8. Request for the presence / absence of debt under credit agreements / bank cards.
9. Providing information on the interest paid on a consumer loan.
10. Registration of certificates for submission to a third-party organization.
11. Blocking the card.
12. Change of data.
13. Application for changing the date of monthly payments.
14. Application for early repayment of the loan.
15. Application for exclusion from the list of insured persons / refusal of insurance services.
OTP Bank JSC The procedure for receiving and processing Applications / requests
Client within:
1.
Consumer Lending Programs.
2.
Card products: "Up-sell", "Instant Credit".
3.
Cross-selling project.
4.
Non-targeted lending programs at the POS point.
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save, know
OTP Bank JSC
To the content Reception
statements / requests
OTP Bank JSC
To the content Reception of applications / requests
The client applies to a Bank employee on TT / v
CCO with a document identifying
personality
Further
Bank employee
identifies the Client.
The client fills out the Application / Request (in
presence of a Bank specialist,
generated from the system), in accordance with
filling patterns.
After filling in by the Client
Applications / Inquiries, Bank Specialist
checks if the Client's full name matches
Statement and document certifying
the identity of the Client. Checks correctness
filling in the Application / Request.
There are Statements that are not generated in Siebel. Currently, these requests include:
- Application for waiver of insurance.
- Application for waiver of Save dear!
- Requests for issuing certificates to a third-party organization.
- Application for changing data in the BCH.
- Request for paid %% on the loan.
- Request for information on the absence of debt.
OTP Bank JSC
To the content Reception of applications / requests
If:
The Application / Request was not completed correctly, or
the Client's data does not match the data in Siebel.
The Bank's specialist informs the Client what is needed
eliminate errors, present missing
documents or fill out an Application for change
data in Siebel.
If the Client has filled in correctly, then the Bank's Specialist:
Puts the necessary marks (name, date, signature,
position depending on the type of Application /
Request).
Makes a copy of the Client's document certifying
identity of the Client / additional documents.
Informs the Client about the deadlines
Application / Request.
OTP Bank JSC
To the content Treatment
statements / requests
OTP Bank JSC
To the content Processing applications / requests
In case of acceptance / receipt of the Client's Application / Request in TT
Direct selling expert depending on
Applications / Inquiries:
Submits a request for
service in Siebel in
accordance with the Instructions for
work with software (support),
either accepts an application in
printed form (depending on
type of Application)
OTP Bank JSC
No later than 7 working days (from
date of issue), sends to
KCO: executed documents,
photocopies of the document
identity and
additional documents
Client (if any).
To the content Processing applications / requests
When accepting / receiving the Client's Application / Request from the EPG, the Registrar must check:
Correctness of filling out the Application / Request.
Availability of a photocopy of the ID card. identity / additional documents (if any).
If the Client has incorrectly completed the Application / Request or
no photocopies of the identity document
/ add. documents (if necessary).
Registrar
Sends documents for revision to the Direct Expert
sales
OTP Bank JSC
To the content
10.
Processing applications / requestsWhen accepting / receiving the Application / Request, the Registrar must:
If the Client has correctly completed the Application / Request.
Depending on the type of Application / Request:
Submit an Application to BMP Online
OR
Submit an Application to the database "Applications for PC and BC"
OR
Change / view data
Client / place / check request for
service in Siebel.
Sends the original Application / Request /
Additional documents
If the agreement was concluded before 01.08.2012,
send to GO by Russian Post. On the envelope
note: “To the Head of the Processing Center and
archival storage of documents "
OTP Bank JSC
If the contract is executed after 01.08.2012
transfer to the Archive of a third-party organization, to
in accordance with the Procedure for the formation
archive.
To the content
11.
TranslationMoney
OTP Bank JSC
To the content
12.
Required documentsIdentity document
Application for translation
Download, save, know
Sighting form
Processing method
Siebel Service Request.
OTP Bank JSC
To the content
13.
Money transfer ratesTransfer of excessively transferred money to the account is carried out upon application.
Credit card cross-selling project
Application for translation + Application for termination of the contract.
Commission
Commission for transfer to the Client's account in any bank is not charged.
When transferring funds from a closed pos-credit, the transfer fee is
is 100 rubles.
Deadline for the execution of the application
7 days from the date of termination of the card agreement.
For a POS loan - within 7 days from the date of submission of the Transfer Application.
OTP Bank JSC
To the content
14.
Where the Bank transfers excessively transferred fundsafter writing the application.
If after repayment of the loan there is money left on the Client's account, the Bank will
Based on the Application for Transfer, lists them in one of the following ways:
1
To the Customer's account with OTP Bank JSC - an open pos-credit or
Map (within the framework of the "Cross-selling" project).
2
To the Customer's account with any third-party Bank.
OTP Bank JSC
To the content
15.
Processing an Application for Transfer, if moneyremained on the Client's account after the loan was closed.
Reception and processing of Applications for translation is carried out in Siebel (in accordance with
Instructions for working with maintenance software).
Agent's workplace - Service requests - Money transfer.
The Application signed by the Client, Direct Selling Expert / Registrar is scanned and
hung in Siebel.
After the positive resolution of the Direct Selling Expert / Registrar at Siebel
the status "Fulfilled" is assigned.
Transfer of documents to KCO within 7 days (if the Application was accepted on TT)
Sending for storage the original Application for translation / photocopy of the Client's passport.
After the Application has been assigned the "Executed" status in Siebel until 15-00, the transfer is made to the current
on a working day, after 15-00 and on weekends - the next working day. In case of incorrect
of the issued details, the translation can be deleted by an employee of the GO.
OTP Bank JSC
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16.
Translation is wrongtransferred money
Oops!
Mistakenly
transferred money!
OTP Bank JSC
To the content
17.
Required documentsGeneral passport
Application / request type
The translation application is wrong
the transferred money.
Statement of consent to write off money
Download, save, know
Sighting form
Signature, full name, date and others in accordance with the required format.
Processing method
Scanned copies: PM "Applications for PC and BC" NC Lotus Notes.
OTP Bank JSC
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18.
In what cases does the Bank transfer money fromwritten statement of the Client
If the money is transferred by the Client to the wrong account, the Bank transfers the money to
based on the original Application for the transfer of erroneously transferred money by one of
ways:
1
2
3
To the Client's Account under a valid contract, if the client is mistaken
transferred them to a credit card account within the framework of the Cross
sales "or vice versa.
To the Client's Account, if the money is mistaken when paying for the loan
transferred by the Client in payment of a non-targeted loan at a POS point,
or vice versa.
To the Client's Account under a valid contract, if it is mistaken
transferred money to the account of another Client of OTP Bank JSC. Bank
transfers money only with the consent of the Client, to whose account the
money was mistakenly transferred. The client must sign the Statement of
the consent of the withdrawal of money.
OTP Bank JSC
To the content
19.
Where the Bank transfers incorrectly transferred fundsafter writing the Application
If you need to transfer incorrectly transferred funds, the Bank transfers the money
on the basis of an Application for Transfer in one of the following ways:
1
Transfer of money to the Client's Account of OTP Bank JSC - in case
the Client has an active Loan Agreement.
2
Transfer of money to the Customer's account with a third-party Bank.
In case of an erroneous transfer of money (payment of a loan in another Bank), the Client
independently solves issues on the return of money and is fully responsible for
their actions.
OTP Bank JSC
To the content
20.
Processing an Application for Transfer in errorthe transferred money.
Applications for transferring money by bank card.
The Registrar / Direct Selling Expert accepts
translation applications.
The transfer application is signed by the Client,
EPG / Registrar.
Payment instruction
Client is being processed
based on correct
executed original
Client's statements and
deadlines foreseen
legislation / internal
new documents
Jar.
The Loan Officer submits the Application and
documents in KCO.
The registrar processes applications for the transfer /
Statement of consent to write off money (if
necessary).
Original Application for translation / Application for
consent to write off money / photocopy of passport
The client is sent to the Archive.
OTP Bank JSC
To the content
21.
Disagreement withtransaction. Controversial
transaction.
OTP Bank JSC
To the content
22.
Required documentsGeneral passport, additional
documents in support of the claim (if any).
Application / request type
A statement of disagreement with a transaction.
Download, save, know
Sighting form
Signature, full name, date and others in accordance with the required format.
Deadline for the execution of the application
From 5 to 60 working days from the date of receipt of the scan of the Application / Additional documents
To the content
23.
Documents when challenging transactions usingbank cards
In case of disagreement with the transaction, the Client must submit to the Bank an Application for
disagreement with the transaction.
The Client provides to the Statement of Disagreement with the transaction any necessary
documents confirming his correctness.
OTP Bank JSC
To the content
24.
Additional documents when challengedconsumer lending operations /
inappropriate lending at a POS point
OTP Bank JSC
To the content
25.
Processing of transactions in case of challengingconsumer lending / inappropriate
lending at a POS point
Reception of Applications
Expert direct
sales
Documents in KCO
Registrar
Scanned copies
Applications are submitted to BMP
Online.
Sending the original for storage
Applications / copies of add.
Client's documents
carried out in accordance with
p. 2.3 of the Procedure.
OTP Bank JSC
Standard processing time
Applications from 5 to 60 working days
from the date of receipt correctly
executed original
Applications / additional documents.
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26.
Terminationcard agreement.
OTP Bank JSC
To the content
27.
Required documentsGeneral passport
Application / request type
Application for termination of the contract.
Download, save, know
Sighting form
Signature, full name, date and others in accordance with the required format.
Processing method
Siebel system.
OTP Bank JSC
To the content
28.
Deadline for the execution of the applicationWithin 40 days from the date of registration by the client of the Application. Correctly if available
completed Application in Siebel.
Money transfer rates
For the project "Cross-selling of credit cards" commission for transfer to the Client's account
not charged at any bank
Termination of the card agreement
If the client wishes, terminate the bank card agreement
an application for termination of the contract is drawn up.
The client finds out the balance of money in the account and the presence / absence
debt.
In addition to the Application, a copy of the passport is provided,
bank card, in case of loss / theft of a bank card
OTP Bank JSC
Statement
about the loss of the Card.
To the content
29.
Operations for processing applicationsAcceptance / processing of Applications and additional documents of the Client is carried out
Registrar / Expert of direct sales through Siebel system in accordance with
with the Instructions for working with software for the role Agent maintenance and Instructions for
work with software for the Registrar role.
The Application is signed by the Client, Direct Selling Expert / Registrar.
Transfer of the original Application.
The original of the Statement on the loss of the card / copies of additional documents shall be sent to:
1. To the Archive of a third-party organization for design documents issued after 01.08.2012.
2. Mark "To the Head of the Center for Processing and Archiving Documents on CD
issued before 01.08.2012
The standard term for consideration of the Application for termination of the contract is 40
calendar days from the date of acceptance by the Bank of the Application for termination of the agreement.
Destruction of a bank card is carried out in accordance with the Accounting Procedure,
storage, transportation, registration and issuance of bank cards.
OTP Bank JSC
To the content
30.
Providinginformation about
presence / absence
debt.
OTP Bank JSC
To the content
31.
arrears
Information is provided in writing, certified by the responsible officer
Jar. Provided to the Client upon request (when making a Request for the provision of
information on the loan).
Information is provided by employees of the Bank Card Operations Department /
Office "Credit Administration" in the Program module. Debt information
on the assigned loan is not placed / provided.
Clients' requests are processed by the Registrar in the Siebel system. Registrar
finds a Client in Siebel if:
1.
2.
3.
The status of the agreement is "Closed", in the section "History by collection agencies" information
absent. The registrar prints out and draws up on the official letterhead of the Bank a written
response to the Request for No Arrears.
there is information about the assignment of CA to the CA, the Registrar draws up a response.
The status of the agreement in the system is different from "Closed", the Registrar draws up an application to the PM.
OTP Bank JSC
To the content
32.
Providing information about the presence / absence andarrears
The response to the Request for information on the loan is signed
Head of KCO / Moscow network / Regional subdivision of the Bank's network and
provided to the Client in two ways, depending on the specified in the Request
debt option:
1. The response to the Request is issued to the Client at
subdivision of the Bank's network.
2. The response to the Request is sent by
Mail, at the specified address in
Request.
OTP Bank JSC
To the content
33.
Providing information about the presence / absence andarrears
Sending for storage the original Request for information on availability /
absence of debt is carried out together with a photocopy of the Response to the Request for
providing information on a loan with the following notes:
1. In case of issuing a Reply to the Client in
KCO / Moscow network / Regional
subdivision of the Bank's network on copies
Answer The client indicates "Answer
received ”, signs,
transcript of signature and date.
The standard term for consideration of the Application is
20 working days from the date of placing the Request for
providing information to the loan in the PM.
OTP Bank JSC
2. If a Reply is provided
To the client via Postal
service on a copy of the Answer Employee
Bank indicates "The answer has been sent
To the client via Postal
service ”, puts the date and signature.
To the content
34.
Availability / absence requestdebt on credit
agreements / bank cards.
OTP Bank JSC
To the content
35.
Required documentsGeneral passport
Application / request type
Request for the presence / absence of debt.
Download, save, know
Sighting form
Signature, full name, date and others in accordance with the required format.
Processing method
Scanned copies: PM "Applications for PC and BC" NC Lotus Notes. Viewing information in Siebel.
Deadline for the execution of the application
Within 20 working days from the date of registration of the Application / Request in the PM.
To the content
36.
Providinginformation about
interest paid on
consumer credit.
OTP Bank JSC
To the content
37.
Providing information on paid interestInformation on the interest paid on the loan in writing, certified
by the responsible employee of the Bank, provided to the Client upon request.
The request for information on the loan is sent by the KCO Registrar to
BMP Online system
The original Request for information on the Client's loan is sent to
storage.
The term for consideration of the Request is from 5 to 60 working days from the date of receipt
a correctly completed Request for information on a loan.
The response to the request for interest paid is prepared by the Claims Center,
goes to KCO / Moscow network / Regional branch of the Bank's network, then
signed by the Head, then handed over to the Client.
OTP Bank JSC
To the content
38.
Registration of certificates forproviding in
third party organization.
OTP Bank JSC
To the content
39.
Registration of certificatesThe client can contact KCO / DO for
information for submission to
third party organization, on credit
(POS, CoC and bank cards).
Information to be provided to
a third-party organization, on a loan,
certified by the responsible
by an employee of the Bank, provided
Customer upon request (after
filling out the Request).
OTP Bank JSC
Response to Request for Grant
loan information
signed by the Head
KCO / Moscow network / Regional
subdivision of the Bank's network and
provided to the Client.
If the information provided
Bank does not match the request
Client, then the request is sent to
BMP Online
To the content
40.
Processing applicationsClients' requests for information on the loan are processed
Registrar using the Siebel system. The Registrar finds a Client in Siebel if:
1.
The status of the contract in the "Closed" system, in the "History by collection agencies" section
information is absent. The registrar prints out and draws up on the official letterhead of the Bank
a written response to the request for information, also an invoice-statement is attached.
2.
The status of the contract in the "Closed" system, in the "History by collection agencies" section
there is information about the assignment of CA to the spacecraft, the Registrar draws up a response and when
If necessary, prints the Invoice Statement.
3.
The contract status in the system is different
presence / absence of debt.
4.
The text of the answer in case of debt or the balance of money on the account is provided:
If a consumer request
a loan or a non-earmarked loan in
POS point, then according to the Application form
No. 7.6 (attached statement).
OTP Bank JSC
from
"Closed",
Registrar
draws up
Inquiry
O
If the request is for bank cards, then
according to the form of Appendix No. 7.7
(Invoice-statement is attached).
To the content
41.
Card blocking.OTP Bank JSC
To the content
42.
Card blockingIf necessary, the Client can block / unblock the Card:
Contact the DPK Bank Contact Center on your own by phone
8-800-200-70-01 and block the card.
Contact the Bank's office and
cards.
OTP Bank JSC
fill out an application for blocking
To the content
43.
Required documentsGeneral passport
Application / request type
Statement of card loss / card blocking.
Download, save, know
Sighting form
Signature, full name, date and others in accordance with the required format.
Processing method
Contacting the DPK Bank Contact Center by phone: 8-800-200-70-01.
Deadline for the execution of the application
Immediately at the moment the Client / Registrar applies to the Contact Center of DPK Bank.
To the content
44.
Change of data.OTP Bank JSC
To the content
45.
Required documentsCivil passport, document confirming
data change (if necessary).
Application / request type
Data change statement.
Download, save, know
Sighting form
Signature, full name, date and others in accordance with the required format.
Processing method
Siebel system
Deadline for the execution of the application
Within 10 working days from the moment the Client submits the Application.
To the content
46.
Client data change statement1 KCO Registrar / TT Direct Selling Expert accepts
statements.
2 The CCO Registrar at Siebel processes the applications, and
changes the Client's data.
3 The term for consideration of the Application is 10 working days from
the moment the Client completes the Application.
4 Sending the original of the Change Notice for storage
Client data / copies of add. documents.
OTP Bank JSC
To the content
47.
Change statementdates of monthly
payments.
OTP Bank JSC
To the content
48.
Required documentsGeneral passport
Application / request type
Application to change the date of monthly payments.
Download, save, know
Sighting form
Signature, full name, date and others in accordance with the required format.
Processing method
Siebel system.
OTP Bank JSC
To the content
49.
Deadline for the execution of the applicationImmediately at the moment the Client contacts the Bank.
Change rates
Payment is not required - 0 rubles.
At the same time, the service of accepting documents outside the Bank's office when the Schedule is changed
payment initiated by the client, provided to the Client on a paid basis and
will amount to 149 rubles, including VAT. The service fee is included in the Payment Schedule.
Service not provided
Under contracts executed before 08.11.2011.
For contracts maturing earlier than two months.
If from the date of registration of the service (previously issued) less than 12
calendar months.
If the Scheduled Payment Date has not arrived in the current calendar month, but a new one
The payment date (selected by the Client) has already passed, then the Service cannot be
provided before the due date of payment in accordance with the current
Payment schedule.
OTP Bank JSC
To the content
50.
Package of documentsSet of documents of the Bank
Client's set of documents
1 copy of the Application for changing the date of monthly payments.
1 copy of the CPM Notice.
New Payment Schedule with new dates for monthly payments.
Mail order form.
Sales / Registrar notes that the Siebel Monthly Payment date has changed.
If the Client refuses to sign documents or, if necessary
termination of work with the Application for any other reason, the Expert of direct
sales / Registrar notes the fact of refusal to change the date of the Monthly
payment to Siebel.
OTP Bank JSC
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51.
If in the current month the Payment Date has come or passed according to the schedule, then in
the next monthly payment will be already next month in
according to the changed date.
If the Payment Date is not due in the current month, then
the monthly payment of the current month is carried over to the new one selected
By the Client, the date of the current month (The Client can only choose a date greater than
the current date of registration of the service).
If the Client has changed the date of the monthly payment, then the date of the last
monthly payment is set by one of the options:
1. The number of the planned date of the loan maturity, depending on the term
the loan specified in the Application.
2. The date chosen by the Client (if the date of the last monthly
payment will not exceed the planned date of the loan maturity,
specified in the Application).
OTP Bank JSC
To the content
52.
Changing the date of the monthly paymentIf the loan was issued at the end of the month, then you should avoid specifying the first
days of the month to reduce cases of delay of the 1st monthly
payment (we take into account the time of receipt of money to the Client's account in
depending on the Client's preferred payment method).
When changing the date of the monthly payment on an existing loan
it is necessary to take into account the time of receipt of money to the Client's account (depending on
from the Client's preferred payment method) / the fact that there is money for
account.
Avoid specifying a payment date close to the current date
payment - in such cases, Clients should be advised to establish
the desired date from the next month (after the payment of the monthly payment
of the current month) or choose another date that allows you to keep
timely receipt of money to the client's account.
OTP Bank JSC
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53.
Early applicationloan repayment.
OTP Bank JSC
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54.
Required documentsGeneral passport
Application / request type
Application for early repayment of the loan.
Download, save, know
Sighting form
Signature, full name, date and others in accordance with the required format.
Processing method
Siebel system
Deadline for the execution of the application
Within 30 days from the date of registration by the client of the Application. In the presence of a correctly issued
original application.
To the content
55.
Early loan repaymentDirect selling expert / Registrar informs the Client about what is possible ahead of schedule
repay a loan at a POS point:
1. To fully repay the debt, the Client needs to
the next monthly payment to ensure the amount on your account
full early repayment specified in the Schedule of payments.
2.
For partial or full repayment of debt on the main
debt, the Client must notify the Bank 30 days in advance
the estimated early repayment date by compiling
written statement.
Wherein:
Within the framework of the program "Non-targeted lending at a POS-point", the Client can, in the first 14
calendar days from the date of the loan to fully repay the debt
without prior notice by contacting the Bank with a written application.
Within the framework of the "Consumer Lending" program, the Client can, in the first 30
calendar days from the date of the loan to repay in full or in part
debt without prior notice by contacting the Bank with a written
statement.
OTP Bank JSC
To the content
56.
Early loan repaymentTo carry out early repayment of the principal debt
The Direct Selling Expert / Registrar informs the Client that:
1
In case of partial early repayment, in a new payment schedule
will remain the same, and the loan term will be reduced.
monthly payment
2
Upon full repayment, the Payment Schedule will include the amount of accrued
interest, fees and other obligations in accordance with the general POS / CoC terms.
3
The client will need to independently contact the Direct Selling Expert / Registrar
receiving a new Payment Schedule after the date of early repayment,
specified in the written application of the Client.
OTP Bank JSC
To the content
57.
Early loan repaymentDirect Selling Expert / Registrar conducts an early registration procedure in Siebel
repayment of the Loan in accordance with the Instructions for working with software for the role of Agent
maintenance and instructions for working with software for the role of the Registrar.
Direct Selling Expert / Registrar prepares a printable Statement of Claim in Siebel
early loan repayment and Notification of CPM, prints documents in two
copies and submits for signing to the Client.
The Direct Selling Expert / Registrar informs the Client that
he:
Undertakes to ensure the availability of the amount of the early
repayment specified in the Application for early repayment of the loan, by the date
debiting money from the account.
Not exempt from paying monthly payments for the current
Schedule of payments due prior to the early repayment date
loan, including the next monthly payment (in case
coincidence of the date of early repayment of the loan with the date of the next
monthly payment in accordance with the current Payment Schedule).
After familiarization, the Client signs an Application for early repayment of the loan and
Notice of UCS in designated areas.
OTP Bank JSC
To the content
58.
Package of documentsSet of documents of the Bank:
1. One copy of the Application for early repayment of the loan.
2. One copy of the CPM Notice.
Client's set of documents:
1. The second copy of the Application for early repayment of the loan.
2. Second copy of the CPM Notice.
After the Client signs all the necessary documents, the Direct Expert
Sales / Registrar notes the fact of registration of early repayment of the Loan in Siebel.
If the Client has refused to sign documents or work with the Application is terminated
otherwise, the Direct Selling Expert / Registrar notes the fact of refusal to register
early repayment in Siebel.
OTP Bank JSC
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59.
Registration of early loan repaymentEarly repayment of the Loan is impossible if:
occurs earlier than 30 days from the date of notification
Bank on early repayment of the Loan.
Early repayment date expected by the Client
falls on a weekend / holiday according to
current production calendar.
Early repayment date expected by the Client
exceeds the date of the last payment under the current Schedule
payments.
As of the date of early repayment assumed by the Client, already
there is an Application for early repayment of the loan,
issued earlier.
OTP Bank JSC
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60.
Application for exclusion fromlist of insured persons / refusal
from insurance services.
OTP Bank JSC
To the content
61.
Required documentsGeneral passport
Application / request type
Application for exclusion from the list of insured persons / refusal
from insurance services.
Sighting form
Signature, full name, date and others in accordance with the required format.
Processing method
Scanned copies: sending to the email address to the person in charge in the GO.
Deadline for the execution of the application
Up to 45 days.
Money transfer rates
The service is provided free of charge.
To the content
62.
Client's refusal from insuranceIf the Client wants to refuse insurance, then he must write
Application for exclusion from the List of Insured Persons.
The client can contact the EPG / Registrar. With independent
the Client's request to the Contact Center of DPK Bank, the Operator of the Contact Center of DPK Bank must direct the Client to the KCO / MRC.
To complete the Application for Refusal Direct Selling Expert /
The registrar prints out the document in duplicate and transmits
for signing to the Client.
The application is signed by the Client, Expert of direct
Sales / Registrar. One copy is transferred to the Client, the second
the copy remains with the Bank.
If the Application for Cancellation was accepted by the Loan Officer
the document is being transferred to the KCO / MRC.
The Registrar sends a scanned copy of the Notice of Refusal to
to the e-mail address to the person in charge in the GO in the Office
administration and support of the DRPB business.
Processing of the Application is carried out in accordance with the internal
regulatory documents and requirements of the legislation of the Russian Federation in
within 45 calendar days.
OTP Bank JSC
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6.1. The insurance contract can be concluded for a period of 1 year or another period agreed by the parties (for the time of performing a certain work, travel, etc.).
6.2. The insurance contract is concluded on the basis of a written or oral application of the Policyholder.
6.3. At the request of the Insurer, the Policyholder is obliged to provide him with a health certificate or undergo a medical examination to assess the health status of the Insured when concluding the contract. In case of failure to provide a certificate or refusal to examine the Insurer, the Insurer has the right to refuse to conclude a contract with the Policyholder. The preliminary medical examination is carried out at the expense of the Insured.
6.4. When concluding an insurance contract between the Insured and the Insurer, an agreement must be reached on the following essential conditions:
a) about the Insured Person;
b) the nature of the event, in the event of the occurrence of which in the life of the Insured person, insurance is carried out (insured event);
c) the amount of the insured amount;
d) on the duration of the contract.
6.5. The relationship between the Insurer and the Policyholder is formalized in writing by drawing up an insurance contract (Appendix 3 to these Rules), signed by the parties, one copy for each of the parties, or by the Insurer delivering an insurance policy signed by the Insurer to the Policyholder (Appendix 2 to these Rules). If the insurance contract is concluded by handing over the insurance policy to the Insured, the consent of the Insured to conclude the contract on the proposed conditions is confirmed by the acceptance of the insurance policy from the Insurer.
6.6. In case of collective insurance, if the contract is concluded in relation to individual employees or a part of the team, the Policyholder shall attach a list with the named list of persons subject to insurance to the application for the conclusion of the insurance contract. In the event of the retirement of employees insured according to the list (in respect of whom the contract is terminated), and the arrival of new ones in their place, the Policyholder notifies the Insurer of this in writing within 3 days, otherwise the newly hired employee will not be considered insured.
6.7. When insuring all employees or employees of certain categories, the number of insured is determined based on the payroll or actual number on the day of the conclusion of the contract, the list in this case may not be provided.
6.8. Employees of the Insured, newly recruited during the validity of the insurance contract, are considered insured from the moment of their acceptance until the expiration of the contract. For dismissed employees, the insurance contract is terminated from the moment of their dismissal.
6.9. With an increase in the number of insured employees, the Policyholder provides the Insurer with information about the additionally insured persons and pays an insurance premium for them for the period from the moment of concluding an insurance contract with respect to these persons until the end of the insurance period. At the same time, all changes (additions) to the insurance contract are made out by the conclusion of an additional agreement by the parties. In the event of a decrease in the number of insured employees, the overpaid part of the insurance premium by the Insured is not refundable, unless otherwise provided by the contract.
6.10. When concluding an insurance contract, the Insured is obliged to inform the Insurer of circumstances known to the Insured that are essential for determining the probability of an insured event and the amount of possible losses from its occurrence (insured risk), if these circumstances are not known and should not be known to the Insurer. In this case, circumstances that are definitely specified by the Insurer in the insurance contract (insurance policy) or in his written request can be considered significant. When concluding an insurance contract before receiving answers from the Insured to the questions posed by the Insurer, the latter cannot subsequently demand the termination of the contract or its invalidation on the grounds that the relevant circumstances were not communicated by the Insured.
6.11. If, after the conclusion of the insurance contract, it is established that the Insured has provided deliberately false information about the circumstances that are essential for determining the likelihood of an insured event and the amount of possible losses from its occurrence, the Insurer has the right to demand that the contract be declared invalid and the consequences are applied in accordance with the legislation of the Russian Federation, for except for the case when the circumstances, which the Policyholder kept silent about, have already disappeared.
6.12. Replacement by the Policyholder of the Insured person named in the insurance contract by another person may be made with the consent of the Insured and the Insurer. The replacement of the Insured with another person is made in writing on the basis of a document certifying the consent of the Insured to exclude him from the list of Insured by making the necessary changes to the insurance contract and the corresponding annexes to it in the manner prescribed by the current legislation of the Russian Federation.
6.13. In case of loss of the insurance policy during the validity period of the insurance contract, the Policyholder is issued a duplicate of the policy on the basis of a written application. After issuing a duplicate, the lost policy is considered invalid, and insurance payments are not made on it. In case of repeated loss of the policy during the validity of the insurance contract, the Policyholder shall pay the Insurer a sum of money in the amount of the cost of making the policy.
6.14. The conditions contained in these Insurance Rules and not included in the text of the insurance contract (insurance policy) are binding on the Insured, if the contract (insurance policy) directly indicates the application of such Rules and the Rules themselves are set out in one document with the contract (insurance policy) or on its reverse side, or attached to it.
6.15. In accordance with the civil legislation of the Russian Federation, when concluding an insurance contract, the Insured and the Insurer may agree to amend or exclude certain provisions of the Insurance Rules and to supplement the Rules.
The voluntary medical insurance contract is concluded for a year. Under its terms, it is allowed to replace the insured persons during its validity period. Two employees, in favor of whom the contract was signed, quit. For them, insurance premiums were paid for the entire period of the contract. We immediately took a new employee for one place, the second place is still vacant. How to take into account contributions when calculating income tax?
I. Alekseeva, Smolensk
A VHI contract can be concluded by an organization in favor of its employees. In this case, the employees in whose favor the contract was concluded are insured persons (Article 934 of the Civil Code of the Russian Federation, clause 2 of Article 84 of the Federal Law of November 21, 2011 No. 323-FZ). From the provisions of Art. 934 of the Civil Code of the Russian Federation, it follows that the insured persons are not a party to the VMI contract. The VHI agreement may provide for their replacement during the term of its validity (clause 2 of article 955 of the Civil Code of the Russian Federation). Thus, if the insured persons change, the VHI contract continues to operate.
One of the prerequisites for classifying the amounts of payments under VHI contracts in the composition of expenses is the term of the contract. It must be at least one year old (clause 16 of article 255 of the Tax Code of the Russian Federation). In your case, the VHI contract satisfies this condition.
In a letter dated January 29, 2010 No. 03-03-06 / 2/11, the Ministry of Finance of Russia indicated that if the VMI contract is concluded for a period of at least one year, then when the list of insured persons changes due to the dismissal of some and the employment of other employees, the amount of contributions paid taken into account when taxing profits. The courts note that in Art. 255 of the Tax Code of the Russian Federation contains a limitation only on the period for which the VHI agreement is concluded. The Tax Code of the Russian Federation does not contain any restrictions on the period for which employees are insured (Resolution of the Federal Antimonopoly Service of the Urals District of June 17, 2011 No. A47-6102 / 2010). According to paragraph 6 of Art. 272 of the Tax Code of the Russian Federation, if, according to the terms of the VHI agreement, the payment of the contribution is made in a single payment, then it is recognized as an expense on a straight-line basis throughout the term of the agreement. Thus, the contribution paid for a resigned employee, in whose place a new employee was hired, you continue to evenly include in expenses, while observing the standard of 6% of the amount of labor costs established by paragraph 16 of Art. 255 of the Tax Code of the Russian Federation.
From the provisions of paragraph 16 of Art. 255 and clause 6 of Art. 272 of the Tax Code of the Russian Federation, it follows that only contributions for persons who are employees of the organization are taken into account in expenses. Therefore, part of the contribution paid for a resigned employee, whose place remains vacant, attributable to the period of his work in the organization, is included in expenses that reduce the tax base for income tax in the manner provided for in paragraph 6 of Art. 272 of the Tax Code of the Russian Federation. The remaining part of the contribution, which falls on the period when the place of the dismissed employee remains vacant, is not taken into account in expenses for tax purposes. This is confirmed by the letter of the Ministry of Finance of Russia dated 05.05.2014 No. 03-03-06 / 1/20922, according to which contributions in the part attributable to dismissed employees under the continuing voluntary health insurance agreement in respect of them are not taken into account for tax purposes.
The system of guaranteeing the rights of insured persons under compulsory pension insurance included 46 non-state pension funds, in which 1,989.73 billion rubles of pension savings were formed for 29.01 million insured persons who entered into compulsory pension insurance agreements with these funds. Let us recall that as of January 1, 2014 (as of the date of entry into force of the Federal Law of December 28, 2013 No. 422-FZ "On Guaranteeing the Rights of Insured Persons in the System of Compulsory Pension Insurance of the Russian Federation when Forming and Investing Pension Savings Funds, Establishing and Implementing payments from pension savings "), 89 NPFs operated in the compulsory pension insurance segment.
The system of guaranteeing the rights of insured persons has been operating in Russia since January 1, 2015. Non-state pension funds that made a decision to participate in the guarantee system, until December 31, 2015, had the right to submit a petition to the Bank of Russia for an opinion on their compliance with the requirements for participation in the guarantee system.
The guarantee system was created in order to ensure the rights and legitimate interests of insured persons in the compulsory pension insurance system of the Russian Federation and to establish the responsibility of all participants in the compulsory pension insurance market for the safety of pension savings. For this, the Deposit Insurance Agency has created a pension savings guarantee fund, where all pension funds - participants in the guarantee system, deduct annual contributions. From these funds, upon the occurrence of a guarantee event (cancellation of the NPF license or insufficient funds from the insurer on the day from which the insured person is paid out from pension savings, etc.), the Deposit Insurance Agency compensates for the lack of pension savings. In addition, the guarantee system provides for the formation of a reserve for compulsory pension insurance by the participating fund to compensate for the insufficiency of pension savings to the insured person in the event of guarantee cases provided for by Federal Law No. 422-FZ.
As of July 1, 2016, the Bank of Russia completed consideration of the petitions of non-state pension funds, filed within the statutory deadline until December 31, 2015, to issue an opinion on compliance with the requirements for participation in the guarantee system. Thus, we can conclude that the formation of the list of funds - participants in the guarantee system is completed. Non-state pension funds that are not included in the guarantee system, the license of which has been canceled or in respect of which a ban has been imposed on activities under the mandatory pension scheme, are obliged to transfer the pension savings of the insured persons to the Pension Fund of the Russian Federation and stop activities on compulsory pension insurance. The Pension Fund becomes the insurer of these insured persons, and pension savings are transferred for investment in the expanded portfolio of investment securities of the state-owned management company Vnesheconombank.
In the event of insufficient pension savings transferred to the PFR from NPFs that are not included in the guarantee system, the Bank of Russia will reimburse the Pension Fund of the Russian Federation for the missing funds up to the guaranteed amount of pension savings (nominal insurance premiums).
The insurer of insured persons under the MPI can be the Pension Fund of Russia or a non-state pension fund that is part of the system of guaranteeing the rights of insured persons in the compulsory pension insurance system. The PFR invests pension savings through the state management company Vnesheconombank and private management companies.
A citizen who forms pension savings in the Pension Fund of Russia can choose one of the management companies to invest pension savings. The change of the insurer occurs only when moving from one NPF to another, as well as when moving between the Pension Fund of Russia and the NPF. When transferring pension savings from a state management company to a private one, as well as when choosing another management company, the insurer does not change - it remains the Pension Fund of Russia. You can use the right to change the insurer annually. You can change the insurer next year (early transition) or after 5 years by submitting an application for the transition. Changing the insurer more often than once every 5 years may result in a loss of investment income, and in the event of a negative investment result, a decrease in pension savings by the amount of investment loss (with the exception of insured persons who submitted an application for an early transition in the year of five-year fixation of pension savings by the current insurer) ...
However, of the 1.007 million applications to change the insurer filed in 2016 as of June 1, 98% are applications for an early transfer, of which almost 470 thousand - about the transfer from one NPF to another, more than 505 thousand - about the transfer from PFR to NPF.
The Pension Fund of the Russian Federation draws attention to the specifics of calculating pension savings to be transferred by the current insurer to a new insurer based on applications for early transfer filed by insured persons in 2016:
From what year You shape pension savings from your current insurer? |
Losses of funds of pension savings of a citizen early transition (when applying for an early transition in 2016) |
|
Positive result investing |
Negative result investing |
|
Since 2011and earlier |
Loss of investment income For 2016 |
Loss of pension savings in the amount of investment loss in 2016 |
Since 2012 | No loss of retirement savings | |
During the periodfrom 2013 to 2015 |
Loss of investment income 2015-2016 years |
Loss of pension savings in the amount of investment loss for 2015-2016 years |
In 2016 |
Loss of investment income For 2016 |
Loss of retirement savings For the amount of investment loss for 2016 |
CONTENT
- 1. LLC "MC" AGANA "2. LLC MC" AK BARS CAPITAL "3. Alfa-Capital Management Company LLC 4. UKATS CJSC 5. LLC "UK" Aton-management "6. LLC "UK BIN FINAM Group" 7. CJSC MC "BCS" 8. LLC MC BFA 9. LLC VTB Capital Pension Reserve 10. CJSC VTB Capital Asset Management 11. Vnesheconombank 12. JSC UFG INVEST 13. OJSC Management Company Ingosstrakh-Investments 14. LLC "Management Company" Kapital "15. CJSC "Leader" 16. LLC UK MDM 17. Metallinvesttrast CJSC 18. METROPOL Management Company LLC 19. Monomakh Management Company CJSC 20. JSC "NUK" 21. OTKRITIE Management Company LLC 22. LLC "PENSION SAVING COMPANY" 23. LLC "UK PROMSVYAZ" 24. LLC "REGION Portfolio Investments" 25. REGION EsM CJSC 26. LLC "REGION Trust" 27. LLC UK "RFTs-Capital" 28. Sberbank Asset Management JSC 29. SOLID Management CJSC 30. TKB BNP Paribas Investment Partners (OJSC) 31. CJSC "Management Company TRINFICO" 32. UralSib Management Company CJSC 33. LLC "Management company" Finam Management "
The list of NPFs included in the system of guaranteeing the rights of insured persons in the compulsory pension insurance system:
- 1. AVTOVAZ NPF
- 2. Aquilon MNPF
- 3. Diamond Autumn NPF
- 4. Alliance NPF
- 5. Atomfond NPF
- 6. LARGE MNPF
- 7. FUTURE NPF
- 8. Vladimir NPF
- 9. Volga-Capital NPF
- 10. VTB Pension Fund
- 12. Hephaestus NPF
- 13. Confidence in NPF (JSC)
- 14. Trust Orenburg NPF
- 16. Captain of NPF
- 17. KITFinance NPF
- 18. LUKOIL-GARANT
- 19. NPF magnet
- 20. HERITAGE NPF
- 21. National NPF
- 22. NEFTEGARANT NPF
- 24. Formation of NPF
- 25. Education and Science NPF
- 26. OPK NPF
- 28. Promagrofond
- 29. Professional NPF
- 30. RGS NPF
- 31. REGIONFUND
- 32. Rostvertol NPF
- 33. Russian Standard NPF
- 34. SAFMAR NPF
- 35. Sberbank NPF
- 36. Consent of NPF
- 38. Society of NPF
- 39. Building complex NPF
- 40. Surgutneftegaz NPF
- 41. Telecom-Union NPF
- 42. Transneft NPF
- 43. UMMC-Perspective NPF
- 44. URALSIB NPF
- 46. Electricity NPF
The list of management companies with which the PFR has concluded trust management agreements for pension savings:
- 1. LLC "MC" AGANA "
- 2. LLC MC "AK BARS CAPITAL"
- 3. LLC UK "Alfa-Capital"
- 4. CJSC "UKATS"
- 5. LLC "UK" Aton-management "
- 6. LLC "UK BIN FINAM Group"
- 7. CJSC MC "BCS"
- 8. LLC "UK" BFA "
- 9. LLC VTB Capital Pension Reserve
- 10. CJSC "VTB Capital Asset Management"
- 11. Vnesheconombank
- 12. JSC "OFG INVEST"
- 13. OJSC MC "Ingosstrakh-Investments"
- 14. LLC "Management Company" Capital "
- 15. CJSC "Leader"
- 16. LLC "UK MDM"
- 17. CJSC "Metallinvesttrast"
- 18. LLC "UK" METROPOL "
- 19. CJSC "UK Monomakh"
- 20. JSC "NUK"
- 21. LLC UK "OTKRITIE"
- 22. LLC "PENSION SAVING COMPANY"
- 23. LLC "UK PROMSVYAZ"
- 24. LLC "REGION Portfolio Investments"
- 25. CJSC "REGION ESM"
- 26. REGION Trust LLC
- 27. LLC UK "RFTs-Capital"
- 28. Sberbank Asset Management JSC
- 29. CJSC "SOLID Management"
- 30. TKB BNP Paribas Investment Partners (OJSC)
- 31. CJSC "Management Company TRINFICO"
- 32. CJSC "UK UralSib"
- 33. LLC "Management company" Finam Management "
- 1. AVTOVAZ NPF
- 2. Aquilon MNPF
- 3. Diamond Autumn NPF
- 4. Alliance NPF
- 5. Atomfond NPF
- 6. LARGE MNPF
- 7. FUTURE NPF
- 8. Vladimir NPF
- 9. Volga-Capital NPF
- 10. VTB Pension Fund
- 11. GAZFOND pension savings
- 12. Hephaestus NPF
- 13. Confidence in NPF (JSC)
- 14. Trust Orenburg NPF
- 15. European Pension Fund
- 16. Captain of NPF
- 17. KITFinance NPF
- 18. LUKOIL-GARANT
- 19. NPF magnet
- 20. HERITAGE NPF
- 21. National NPF
- 22. NEFTEGARANT NPF
- 23. Defense Industrial Fund. V.V. Livanova NPF
- 24. Formation of NPF
- 25. Education and Science NPF
- 26. OPK NPF
- 27. The first industrial alliance of NPF (JSC)
- 28. Promagrofond
- 29. Professional NPF
- 30. RGS NPF
- 31. REGIONFUND
- 32. Rostvertol NPF
- 33. Russian Standard NPF
- 34. SAFMAR NPF
- 35. Sberbank NPF
- 36. Consent of NPF
- 37. Social development of NPF (JSC)
- 38. Society of NPF
- 39. Building complex NPF
- 40. Surgutneftegaz NPF
- 41. Telecom-Union NPF
- 42. Transneft NPF
- 43. UMMC-Perspective NPF
- 44. URALSIB NPF
- 45. Khanty-Mansi NPF (JSC)
- 46. Electricity NPF
1. AVTOVAZ NPF 2. Aquilon MNPF 3. Diamond Autumn NPF 4. Alliance NPF 5. Atomfond NPF 6. BIG MNPF 7. FUTURE NPF 8. Vladimir NPF 9. Volga-Capital NPF 10. VTB Pension Fund 11. GAZFOND pension savings 12 Gefest NPF 13. Confidence in NPF (JSC) 14. Confidence in Orenburg NPF 15. European Pension Fund 16. Captain of NPF 17. KITFinance NPF 18. LUKOIL-GARANT 19. NPF Magnet 20. NPF HERITAGE 21. National NPF 22. NEFTEGARANT NPF 23 .Defense Industrial Fund. V.V. Livanova NPF 24. Formation of NPF25. Education and science NPF 26. OPK NPF 27. First industrial alliance NPF (JSC) 28. Promagrofond 29. Professional NPF 30. RGS NPF 31. REGIONFOND 32. Rostvertol NPF 33. Russian Standard NPF 34. SAFMAR NPF 35. Sberbank NPF 36. Consent of NPF 37. Social development of NPF (JSC) 38. Society of NPF 39. Construction complex NPF 40. Surgutneftegaz NPF 41. Telecom-Soyuz NPF 42. Transneft NPF 43. UMMC-Perspective NPF 44. URALSIB NPF 45. Khanty-Mansiysk NPF (JSC ) 46. Electricity NPF
Moscow city |
"__" ________ 201 _ |
OJSC "VHI. Personnel insurance", hereinafter referred to as the "INSURER", represented by ____________________________________________________________________ acting on the basis of ______________________________________ .., on the one hand, and ____________________ , hereinafter referred to as the "INSURER", represented by __________________________________________________________________, acting on the basis of ___________________________________________________, on the other hand, together and separately referred to as the "PARTIES", have entered into this Agreement as follows
1. The Subject of the Agreement
1.1. The Insurer undertakes to organize and pay for medical and other services provided to the Insured persons in the event of insured events for the fee (insurance premium) specified in the contract.
1.2. An insured event under this Agreement is an appeal of the Insured person to a medical institution to receive medical and other services. The list of medical institutions, as well as the volume and procedure for the provision of medical care are indicated in the Insurance Program (Appendix No. 1 to this Agreement). The Insurance Program is an integral part of the Agreement.
2. Information about the Insured Persons
2.1. The Insured Persons (hereinafter the Insured) under this Agreement are the persons indicated in the List (Appendix No. 2). The list of the Insured is an integral part of the contract.
2.2. The list of the Insured is compiled separately for each insurance program with the obligatory indication for each Insured: surname, name, patronymic, date of birth, address of actual residence (indicating the entrance, floor and code), contact telephone numbers.
2.3. The total number of the Insured at the time of the conclusion of the Agreement is ___ (_________) people.
2.4. When new persons are added to the List of Insured Persons during the term of the Agreement, the Policyholder shall submit, no later than 10 (ten) business days prior to the expected date of making changes to the List of Insured Persons, data on new Insured Persons (in writing), corresponding to clause 2.2. actual agreement..
2.5. If persons are excluded from the List of Insured Persons during the term of the Agreement, the Policyholder shall notify the Insurer of this in writing no later than 10 (ten) working days prior to the expected date of exclusion, individually identifying each excluded.
2.6. Changes to the List of Insured Persons are terminated 1 (One) month prior to the expiration date of this Agreement.
2.7. Citizens who are registered in the narcological, neuropsychiatric, anti-tuberculosis, dermatovenerologic, oncological and other dispensaries, centers for the prevention and control of AIDS, as well as persons with disabilities of I-II groups are not accepted for insurance.
3. INSURANCE AMOUNT, INSURANCE PREMIUM AND THE PROCEDURE OF ITS PAYMENT.
3.1. The sum insured is the maximum amount of the insurance benefit, within which the Insurer bears its obligations to pay for medical services. The sum insured under the Agreement is determined as a whole and amounts to_________ (_________________________________________________) rubles 00 kopecks
3.2. Insurance premium for all Insured________ (__________________________) rubles 00 kopecks.
3.3. Insurance premiums for each Insured are determined according to the table:
Insurance program |
Number of Insured by program |
Individual insurance premium (RUB) |
Medical Program Tariff Number |
3.4. In case of any change in the amount of the insurance premium, the Parties draw up an additional agreement to the Agreement containing the new amount of the insurance premium under the Agreement as a whole. When the size of the insurance premium is increased, the agreement specifies the procedure and terms for its payment, when decreasing, the procedure for disposing of the released amount (return to the Insured if at the time of the agreement the entire insurance premium has been paid or the procedure for accounting for this amount in further mutual settlements of the Parties).
3.5. The amount of the additional insurance premium with an increase in the number of insured is calculated in proportion to the insurance period. The amount of the released bonus in case of a decrease in the number, which is subject to accounting for further mutual settlements, is calculated in proportion to the remaining paid period. The amount of the released premium in case of a decrease in the number to be returned to the Insured is calculated as 80% of the paid insurance premium for the unexpired period
3.6. V if the Insurer has paid the insurance coverage in the amount specified in clause 3.1., the obligations of the Insurer are deemed to have been fulfilled in full. To renew the liability of the Insurer, the Insured is obliged to pay an additional insurance premium in the amount established by the additional agreement of the Parties.
3.7. If the Insurer has made payment of insurance coverage in excess of the amounts provided for in clause 3.1., The Insurer notifies the Insured about this and issues an invoice to him to pay for such excess
3.8. Insurance premiums are paid according to the following payment schedule:
Contribution (№) |
The size (rub.) |
Pay no later |
3.9. During the term of the Agreement, the Insurer is not entitled to increase the amount of the insurance premium under the insurance programs listed in clause 3.3. of this Agreement on any grounds other than those described in clause 6.2.2. actual agreement.
3.10. The policyholder is obliged to pay the issued invoice within 10 (ten) days from the date of its receipt. In case of delay in payment of the invoice, the Policyholder is obliged to pay the Insurer a penalty in the amount of 0.5% for each day of delay from the amount to be paid.
4. PERIOD OF VALIDITY OF THE CONTRACT.
4.1. This Agreement is valid _______ 201_y. until _______. 201_.
4.2. The insurance period begins on the date specified in clause 4.1. of this Agreement, provided that the entire amount of the insurance premium (first installment) has been credited to the current account of the Insurer. Otherwise, this Agreement enters into force at 00:00 the next day from the moment of receipt of the entire amount of the insurance premium (first installment) to the current account of the Insurer.
4.3. The insurance period ends upon the expiry of the period specified in clause 4.1. actual agreement
5. Termination of the Agreement
5.1. This Agreement is terminated, and the Insured loses the right to receive services in the following cases: expiration of the insurance period (clause 4.1.), The Insurer fulfills its obligations in full (clause 3.1.); recognition by the court of the contract as invalid in other cases stipulated by the legislation of the Russian Federation.
5.2. This Agreement may be terminated early on the initiative of the Insured by written notice to the Insurer no later than 30 days before the date of the proposed termination.
5.3. In case of early termination of the Contract on the initiative of the Policyholder, the Insurer shall refund part of the insurance premium for the unexpired paid period minus the costs incurred by the Insurer.
5.4. This Agreement may be terminated early on the initiative of the Insurer only in case of violation by the Insured of clause 3.8. actual agreement.
5.4.1. In case of failure to receive the next insurance premium to the current account of the Insurer within the time frames provided for in clause 3.8 of the Agreement, the Agreement shall be terminated, and the Insurer shall notify the Insured by an appropriate letter of this. The contract is considered terminated from the date specified in the letter.
5.4.2. In this case, the insurance premium will not be refunded.
5.5. Upon termination of this Agreement, the Policyholder is not released from the obligation to pay the insurance premium for the unpaid period of time during which this Agreement continued to operate.
.
6. Rights and obligations of the Parties
6.1. The policyholder has the right:
6.1.1. Require the provision of the services specified in the Agreement by the Insured under this Agreement in accordance with the Insurance Program (Appendix No. 1). In case of failure to provide such services, untimely, incomplete or poor quality of their provision, the Policyholder, the Insured or other persons authorized by them must immediately notify the Insurer about this.
6.1.2. During the term of the Agreement, make changes to the List of Insured Persons, observing the procedure and conditions established by this Agreement.
6.1.3. By agreement with the Insurer, make changes to the insurance program by drawing up an Supplementary Agreement to this Agreement.
6.1.4. Terminate this Agreement ahead of schedule, following the procedures described in cl. 5.2., 5.3. actual agreement
6.2. The insurer has the right:
6.2.1. Refuse to organize and pay for medical or other services under the circumstances provided for by this Agreement and the Insurance Program.
6.2.2 ... In the event of a decrease in the number of insured persons by 30% (or more) of the initial number specified in clause 2.3. when concluding the Contract, the Insurer has the right to unilaterally terminate the Contract. In this case, the Insurer sends a notification letter to the Policyholder. The contract is considered terminated from the date specified in the letter.
6.2.3. Terminate this Agreement early in the event that the Insured fails to comply with the procedure for paying the insurance premium described in clause 3.8. actual agreement.
6.2.4. The insurer has the right not to accept for insurance persons previously excluded from the List of insured persons under this Agreement.
6.3. The policyholder is obliged:
6.3.1. Pay the insurance premium in the amount and in the manner specified in clause 3.8. of this Agreement and all subsequent agreements.
6.3.2. Transfer to each Insured under this Agreement the insurance policies and individual Insurance Programs received from the Insurer, explain to the Insured the terms of this Agreement, their rights and obligations, and inform the Insured about the changes and additions made to the Agreement.
6.3.3. To inform the Insurer about all changes in the data specified in the List of Insured Persons.
6.3.4. In all cases of early termination of this Agreement, return the insurance policies issued under this Agreement to the Insurer.
6.4. The insurer is obliged:
6.4.1. Issue to the Insured (no later than 10 working days from the date the insurance premium / first payment is credited to the Insurer's current account) for transferring to each Insured individual personal insurance policies with Appendices containing individual insurance programs, and, if necessary, passes to medical institutions. In case of an increase in the number of the Insured during the term of this Agreement, new insurance policies are issued no later than 10 working days from the date of receipt of the insurance premium on the account of the Insurer, determined by an additional agreement of the Parties.
6.4.2. Arrange for the provision of medical and other services to the Insured in accordance with the Insurance Program and the conditions contained in this Agreement.
6.4.3. If it is impossible to provide the service stipulated by the Agreement in a medical institution included in the insurance program, arrange and pay for the provision of such a service in another medical institution.
6.4.4. Protect the rights of the Insured in relations with medical institutions within the framework of voluntary medical insurance.
6.4.5. Not to disclose confidential information about the Insured, to observe medical secrecy about the health status of the Insured persons, and also not to disclose to third parties any personal data about the Insured persons, except in the cases and for the purposes specified in this Agreement.
7. Rights and obligations of the Insured
7.1. The insured has the right:
7.1.1. Require the provision of the services specified in the Agreement in accordance with the Insurance Program (Appendix No. 1).
7.1.2. Contact the Insurer for clarifications on the specifics of receiving medical care, as well as in the event of disputable situations in relations with medical institutions under this Agreement.
7.1.3. Get a free duplicate of the insurance policy in case of its loss.
7.2. The insured is obliged:
7.2.1. Observe the instructions of the attending physician received during the provision of medical care, observe the schedule established by the medical institution.
7.2.2. Take care of the safety of insurance documents and do not transfer them to other persons in order to receive medical services. If it is established that the Insured has transferred the Insurance Policy to another person in order to receive medical services under this Agreement, the Insurer has the right to terminate the Agreement ahead of schedule in respect of such Insured.
8. Other conditions
8.1. For non-fulfillment or improper fulfillment of obligations under this Agreement, the Parties shall be liable in accordance with applicable law and the terms of this Agreement.
8.2. This Agreement is drawn up in two copies with equal legal force - one for each of the Parties.
8.3. The parties are obliged to inform each other within three days of changes in their address, contact numbers, faxes and bank details.
8.4. All changes and additions to this Agreement are drawn up in writing, signed and sealed by the Parties.
8.5. The unilateral messages provided for by this Agreement must be drawn up in writing, signed by an authorized person and sent to the other Party by mail, telegraph, fax, electronic communication or by courier.
8.6. Disputes arising under the Insurance Contract are resolved through negotiations. If it is impossible to reach an agreement, the dispute is referred to the court in the manner prescribed by the current legislation of the Russian Federation.
8.7. The policyholder confirms that he has the consent of the insured - subjects of personal data to the processing of their personal data (the term is given in accordance with paragraph 3 of Article 3 of the Federal Law of July 27, 2006 "On personal data" No. 152-FZ) by the Insurer in purposes related to the fulfillment of obligations under this Agreement. All claims arising or likely to arise from the insured regarding the processing of their personal data by the Insurer, the Policyholder undertakes to settle on his own and at his own expense. The Policyholder undertakes, when processing personal data provided to him by the Policyholder, to comply with the requirements of the Federal Law of July 27, 2006. "On personal data" No. 152-FZ, other regulatory legal acts that ensure the security of personal data during their processing.
9 ... ADDRESSES AND DETAILS OF THE PARTIES.
INSURER
SIGNATURES OF THE PARTIES:
Insurer |
The insured |
___________________________ |
___________________________ |
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