Memo on Railway Passengers Insurance Contracts with JSC Renaissance Insurance Group

Renaissance Insurance Group, Joint Stock Company (the "Insurer"), offers to enter into an insurance contract (the "Insurance Contract" or "insurance policy")  covering financial interests of persons  intending to travel under an issued electronic travel document (the "e-ticket") on the conditions set forth in Rules for All-Transport Voluntary Passenger Insurance Against Accidents No. 1.1 approved by Order No. 152 issued the General Director of Renaissance Insurance Group JSC on August 22, 2019 (the "Insurance Rules"), including Additional Terms and Conditions to the Insurance Rules.

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

In accordance with Article 438 of the Civil Code of the Russian Federation, the unconditional acceptance of the terms of an insurance policy is evidenced by the payment of the insurance premium which is part of the total price of the e-ticket and additional services included in the order.

Insurer shall mean Renaissance Insurance Group, Joint Stock Company, which is engaged in insurance activities in accordance with the laws of the Russian Federation and licenses SL No. 1284 and SI No. 1284 issued by the Central Bank of the Russian Federation and having an unlimited period of validity.

Policyholder shall mean the Insured hereunder or his/her legal representatives in the event that the Insured is a legally incapable person.

Insured Person shall mean an individual referred to in the insurance policy intending to travel by railway transport as a passenger in accordance with the e-ticket in respect of whom the insurance contract has been executed.

Insurance Terms and Conditions:
RAILWAY PASSENGER ACCIDENT INSURANCE

Perils

Sum insured Insurance premium
Death, disability, bodily injury of the Insured as a result of an accident of 36 items. RUB 500,000 RUB 40
RUB 1,000,000 RUB 90
RUB 1,500,000 RUB 140
RUB 2,000,000 RUB 190

Note: Multiplier of 1.32 shall apply for insurance premium calculation purposes for round-trip flights and/or transfers insurance.

PERILS AND PAYOUTS

Perils

Payout
Death due to accident or acute poisoning 100% of the sum insured net of all payments made earlier under this Policy.
Disability due to accident or acute poisoning

For group I assigned:

100% of the sum insured;

Group II – 75% of the sum insured;

Group III – 50% of the sum insured.

When a child under 18 years of age is recognized as a disabled child, 100% of the sum insured shall be paid.

Bodily injury as a result of an accident % of the sum insured in accordance with the Table of insurance payouts.

The General Terms of Insurance of the Service Provider and Insurance Contract execution, commencement, termination and payment procedure shall determine other terms and conditions of the Insurance Contract.

For more details, please visit the official web site of the Insurer at http://www.renins.com/about/rules/im

Please follow the link https://aeroflot.tripandfly.ru/en/terms-of-purchase-e-tickets/offer-onelia for more details on insurance contract execution, commencement, termination and payment. How to claim In the event of claim, please call 8 800 333 8 800 (24/7 toll free line for all the regions of the Russian Federation) or contact the nearest office of Renaissance Insurance Group JSC. Location addresses, contact telephone numbers and business hours of the offices are available on the website of the Insurer at www.renins.ru