Procedure for entering into VSK IJSC passenger insurance contracts.
Public offer

This Public Offer (the "Offer") is a proposal addressed to an indefinite circle of individuals by VSK Insurance Joint Stock Company (VSK IJSC) (the "Insurer") to enter into an insurance contract in line with purchased electronic travel documents (the "e-ticket") (the "Insurance Contract" or "policy") subject to the conditions set by the Rules for Insuring Medical and Other Unforeseen Expenses of Persons Leaving their Place of Permanent Residence (the "Insurance Rules").

This type of 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 e-tickets.

In accordance with Article 438 of the Civil Code of the Russian Federation, the fact that an individual has unconditional accepted the terms of this Offer is confirmed by the presence of the "V" check mark on the page opposite the statement "I confirm that I have read and agree with the text of the offer, rules set out in it, aspects of issuing/returning travel documents (tickets) and related services ordered via the Internet as well as the rules of Aeroflot’s passenger and baggage are transport services" or the presence of the "V" check mark on the page opposite the statement "I confirm that I have read and agree with the text of the offer, rules set out in it, aspects of issuing/returning travel documents (tickets) and related services ordered via the Internet" on the website http://aeroflot.tripandfly.ru.

The above acts shall constitute Application for insurance services and the execution of an Insurance Contract (insurance policy) in writing whereby the potential policyholder consents and confirms the persons named in the contract (policy, application) or their legal representatives (parents, adoptive parents, guardians, trustees or other persons to whom such right is granted by federal law) consent and undertakes to provide such consents within 10 business days of receiving the relevant request from VSK IJSC located at: 121552, Moscow, Ostrovnaya Street 4:

  • with the terms and conditions of the public Offer;
  • with the Insurance Rules of the Insurer;
  • with the terms and conditions of the Insurance Contract (insurance policy)
  • that the Insurer or a representative of the Insurer may process the personal data specified when ordering the e-ticket, including those attributable to special categories, including any information about their health condition, diseases and medical procedures provided to them by any medical organizations, including collection, systematization , accumulation, storage, clarification (update, modification), use, distribution (including transmission), depersonalization, blocking, destruction, entry into an information system, processing using or without using automation tools of the personal data specified in the contract in accordance with Federal Law No. 152-FZ dated July 27, 2006 "On Personal Data" in order to execute and properly implement the insurance contract, including provision of information support for the execution of the insurance contract, enter the personal data into the information system of VSK IJSC and develop new products and services; and may transfer the personal data in accordance with the law of the Russian Federation to third party government authorities and public organizations. The consent is provided from the time the insurance contract (insurance policy) is signed (accepted) and shall be valid for five years after the performance of the relevant obligations.

The potential policyholder also confirms that they have appropriate rights, is legally capable and financially sound and aware of the responsibility for the obligations imposed on them as a result of accepting this Offer.

The consent may be revoked (in whole or in part) by the Policyholder (Insured) by sending in a free format request to the Insurer to the address: 4 Ostrovnaya Street, Moscow, 121552.

The Insurer and the Insurer's representative undertakes to ensure the safety and non-disclosure of the personal data of the Insured and other individuals named in the Insurance Contract (insurance policy) in accordance with the requirements of Federal Law No. 152-FZ "On Personal Data".

I. Terms and conditions of the public Offer

The Insurer:

 VSK, Insurance Joint Stock Company, INN 7710026574, OGRN 1027700186062, 4 Ostrovnaya Street, Moscow, 121552 tel.: +7 (495) 727 4444, info@vsk.ru. License SL, SI No. 0621 dated September 11, 2015 issued by the Bank of Russia

The Policyholder

 Individual over 18 years old

The Insured

 The person for whose benefit the insurance contract has been executed. Insured persons may include citizens of the Russian Federation and citizens of foreign states; age is not limited. For insurance purposes, when travelling abroad, the full name must be specified in Latin characters as stated in the foreign passport.

Beneficiary

 An individual to whom the insurance indemnity is intended to be paid.
Insurance object Financial interests of the Policyholder (Insured) relating to expenses which may be incurred in connection with the provision of medical and other aid due to acute illness, exacerbation of a chronic illness, an accident or death of the Insured or other unforeseen circumstances referred to in the terms and conditions of the insurance contract which may arise during the term of the insurance contract.

Covered territory

 One or several countries included in the Insurer’s list that the insured persons intend to visit.
Insurance period To be stated by the Policyholder and must be not less than the duration of the planned trip.
Insurance acceptance restrictions (period, citizenship, etc.)

The insurance contract may not be executed in respect of the country in which the insured person predominantly resides (as per he registered residential address specified in their passport, temporary registration certificate, document confirming that a permanent residence permit was issued in such country) or of which such insured is a citizen. This limitation shall not apply to the territory of the Russian Federation when insuring citizens of the Russian Federation for travels within the territory of the Russian Federation. The coverage extends to an area over 100 kilometers from the administrative boundary of the place of the Insured’s permanent residential address. If the Insurance Contract is executed at the time the Insured is in the covered territory, the Contract shall come in force on the date falling seven (7) calendar days after the execution date.
Insured event, amount insured and coverage limits

Acute diseases or accidents which may actually occur, being unforeseen and unintended for the Insured Person as well as other events, whose occurrence triggers the Insurer’s obligation to pay an insurance indemnity to compensate for all or part of the unforeseen expenses of the Insured person incurred during the term of the insurance contract, mode specifically:

Coverage and limits (c.u. = US dollars or Euros)

Insurance Options/Packages
30,000 c.u.
ECONOM-CLASS Basic		 50,000 c.u.
BUSINESS-CLASS Recommended
Medical expenses excluding dentistry - -
Medical expenses for the treatment of exacerbated chronic diseases up to 1,000 c.u. up to 2,000 c.u.
Emergency dental care n/a up to 200 c.u.
Insured’s medical transportation costs up to 10,000 c.u. up to 10,000 c.u.
Body repatriation costs in case of death of the Insured up to 10,000 c.u. up to 10,000 c.u.
Emergency messaging costs up to 100 c.u. up to 100 c.u.
Expenses incurred by the Insured to early return to the Homeland in an emergency situation - -
Expenses for the evacuation of children accompanying the Insured - -
Lost/delayed baggage costs 500 c.u.
Expenses incurred in connection with a scheduled flight delay n/a n/a
Expenses for a visit of a third party to the Insured in an emergency situation
Legal aid costs
Administrative assistance: lost documents
Deductible for children under 2 and people over 70 years old 200 c.u. excluded

Insurance is possible for one of the specified packages. The amount insured is aggregate, i.e. reduces as the insurance indemnity is paid. Additional risks:

  • active recreation (the activities are listed in paragraph 1.26 of the Insurance Rules)
  • amateur sports (the sports are listed in paragraph 1.27 of the Insurance Rules)
The amount of and procedure for determining the insurance premium The amount of the insurance premium shall be determined based on the amount insured, the insurance option, base insurance rates, insurance periods, correction ratios based on various factors that affect the degree of risk of an insured event such as age, territory, trip purpose, etc.

II. Execution, effective date of and payment for the Insurance Contract (insurance policy)

1. Procedure for entering into and giving effect to the Insurance Contract (insurance policy):

1.1. In accordance with Article 438 of the Civil Code of the Russian Federation, the fact that an individual has unconditional accepted the terms of this Offer is confirmed by the presence of the "V" check mark on the page opposite the statement "I confirm that I have read and agree with the text of the offer, rules set out in it, aspects of issuing/returning travel documents (tickets) and related services ordered via the Internet as well as the rules of Aeroflot’s passenger and baggage are transport services" or the presence of the "V" check mark on the page opposite the statement "I confirm that I have read and agree with the text of the offer, rules set out in it, aspects of issuing/returning travel documents (tickets) and related services ordered via the Internet" on the website http://aeroflot.tripandfly.ru.

1.2. The Insurance Contract (insurance policy) is drafted based on the data entered by the Insured on the website http://aeroflot.tripandfly.ru.

1.3. The parties to the Insurance Contract (insurance policy) agree that the receipt of the insurance premium by the Insurer or its representative under the concluded Insurance Contract (insurance policy), on the one part, and the execution of the Insurance Contract (insurance policy) by the Insurer using a facsimile signature of the Insurer’s representative and the Insurer's facsimile seal, on the other part, shall constitute the proper execution (acceptance) of the Insurance Contract (insurance policy).

However, the Insurer and the Policyholder undertake to reproduce the Insurance Contract (insurance policy) on paper if required.

1.4. The Parties agree that emailing the Insurance Contract (insurance policy) to the Policyholder's email address specified by the Policyholder on the website http://aeroflot.tripandfly.ru shall be considered the proper delivery of the Insurance Contract (Insurance Policy) to the Policyholder. The payment by the Policyholder of the insurance premium in accordance with the terms and conditions of the executed Insurance Contract (insurance policy) shall also constitute the confirmation of the Policyholder's consent to receiving the Insurance Contract (insurance policy) in the specified manner and agreement with the terms and conditions of the Insurance Contract (insurance policy) and this Offer.

Files containing insurance policies and the Insurance Rules will be sent once the order including the activated insurance service emailed to the email address specified during the booking process is paid. The received insurance policies must be printed by the customer. At the written request of the Policyholder (Insured person), the Insurer shall, not later than 30 business days of receiving such written request, deliver the Insurance Contract (insurance policy) bearing the handwritten signature of the authorized representative of the Insurer and exhibits thereto at the Insurer’s address of the nearest office of VSK IJSC.

Similarly, the Insured may be provided with a duplicate of the lost Insurance Policy bearing the handwritten signature of the Insurer.

1.5. In executing the Insurance Contract (insurance policy), the Policyholder is acting on behalf of all of the Insured Persons named therein and, therefore, all of the Insured Persons and Beneficiaries shall be considered as being aware of the terms and conditions of the Insurance Contract (insurance policy), the Insurer’s Insurance Rules and this Offer.

1.6. The Insurance Contract (insurance policy) shall be considered executed from the date on which the Insured pays the due amount of the insurance premium and shall be valid within such period and term as set out in the terms and conditions of the Insurance Contract (insurance policy). The insurance coverage under the Insurance Contract (insurance policy) shall be valid in the manner and within the periods specified in the Insurance Contract (insurance policy) and the Insurer's Insurance Rules.

2. Procedure for payment premiums under insurance contracts (insurance policies)

Insurance premiums under insurance contracts (insurance policies) shall be made by wire transfer in accordance with Article 3 of Federal Law No. 161-FZ dated June 27, 2011 "On the National Payment System". Payment with a bank card shall be made once the order is verified and confirmed. If the time limit set for making a decision on whether to pay for the order and entering the bank card details is exceeded, the insurance policy shall be cancelled.

III. Early termination of the Insurance Contract (insurance policy) by the Policyholder. Refund of insurance premium

1. The Policyholder (Insured) may repudiate the Insurance Contract at any time.

1.1. If the Policyholder elects to cancel the transport services and return the e-ticket issued using the web portal  http://aeroflot.tripandfly.ru  before the trip, the Insurance Contract shall be terminated and the insurance premium shall be refunded in full. The insurance premium shall be refunded in the same way as the insurance premium was originally paid.

1.2. If the Policyholder (Insured) repudiates the Insurance Contract at their will not resulting from a cancellation of the transport services before the start of the insurance period, the Insurance Contract shall be terminated and the insurance premium shall be refunded in full. The insurance premium shall be refunded in the same way as the insurance premium was originally paid.

1.3. If the Policyholder (Insured) repudiates the Insurance Contract before the start of the insurance period, the paid insurance premium shall be refunded for the not expired term of the Contract provided that there have been no events during the period preceding the termination date which have signs of an insured event. In such case, the refund shall be made based on a written request from the Policyholder (Insured). The Insurance Contract shall be terminated from the date on which the Insurer receives the Policyholder’s written notice stating that the Policyholder repudiates the Insurance Contract. The premium shall be refunded within ten (10) business days after the date on which the original of the Policyholder’s written notice is received in cash or by bank transfer using the details provided by the Policyholder. If the bank details for remitting the insurance premium are provided by the Policyholder later than the notice of repudiation in respect of the Insurance Contract, the above period during which the insurance premium must be refunded shall start running from date on which such details are provided.

1.4. If the Policyholder repudiates the Insurance Contract after the expiration of the Insurance Contract, the insurance premium shall not be refunded.

IV. Insurer’s details:

VSK, Insurance Joint Stock Company

INN 7710026574, OGRN 1027700186062,

4 Ostrovnaya Street, Moscow, 121552

License SL, SI No. 0621 dated September 11, 2015 issued by the Bank of Russia

tel.: +7 (495) 727 4444, info@vsk.ru.