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 Conditions of Insurance Against Accidents and Diseases and Conditions of Insurance Against Trip Cancellation/Interruption (the "Insurance Terms").

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:

with the terms and conditions of the public Offer;
with the Insurance Terms of the Insurer;
with the terms and conditions of the Insurance Contract (insurance policy),
to VSK IJSC located at: 121552, Moscow, Ostrovnaya Street 4, 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.

and 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".

No.	Insurance programs	Amount insured, RUB
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:	Policyholder under the insurance contract to be executed shall mean the Insured hereunder (or his/her legal representative in the event that the Insured is a legally incapable person).
The Beneficiary:	The Beneficiary shall be the Insured or, in case of his/her death, the Beneficiary’s heirs at law
1	Tip cancellation/interruptio	Insurance against accidents
2	Application price	500,000
Tariff rate: 2% of the Application price but not less than RUB 100. Insurance period (period of the Insurer's liability): Insurance period (period of the Insurer's liability): from the date on which the insurance premium is paid and until 23:59 of the last day of the transport services which are the latest as per the insurance contract. The insurance contract shall come in force from the date on which the insurance premium is paid and shall be valid for 15 calendar days. The term of the insurance contract shall be extended for the period required to complete the trip if the ticket was purchased earlier than 15 days before the start of the transport services and/or the flight is postponed and/or the transport services were not completed within the specified time limits.
Insurance terms under the insurance program: Tip cancellation/interruptio
Insurance object: financial interests of the Policyholder (Insured) associated with expenses which may be incurred due to the inability to travel during the term of the Insurance Contract and falling under this Insurance Contract Insured risks, insured events:
The following unexpected events which may occur with respect to the Insured during the insurance period and hinder the planned trip/transport services:
1. Inpatient hospitalization 2. Death 3. Infectious disease 4. Death of a close relative 5. Court proceedings 6. Assistance to government officials 7. Criminal proceedings		8. Loss of or damage to documents 9. Traffic accident 10. Loss of income due to company liquidation/layoff 11. Untimely completion of a transport leg specified in the Application 12. Cancellation of a preceding leg specified in the Application 13. Delay of checked baggage
Covered territory: entire world except for war zones.
Insurance indemnity: price of unused tickets but not more than the insured amount under this Insurance Contract.
Insurance terms under the insurance program: accident insurance
Insurance object: Financial interests associated with a harm which may be inflicted on the health of the Insured or death as a result of a fatal accident
Insured events		Amount of the insurance indemnity
Death of the Insured due to a fatal accident that occurs en route while the Insured is on the way to the destination point		100% of insurance indemnity;
Assigning to the Insured Group I, II or III permanent disability due to an accident that occurs en route while the Insured is on the way to the destination point		Group I = 100% of the insured amount; Group II = 80% of the insured amount; Group III = 60% of the insured amount.
Bodily injury suffered by the Insured due to an accident that occurs en route while the Insured is on the way to the destination point		as per the Table of Indemnities payable in connection with insured events (Exhibit No. 1 to this Insurance Contract);
Coverage territory: inside a transport vehicle and the building of a departure train station/airport/station
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 (separate for each of the insured passengers) and the Insurance Terms 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 Terms 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 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 Terms. 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, but within fourteen (14) calendar days after the execution date of the Insurance Contract, 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 expiry of fourteen (14) calendar days after the execution date of the Insurance Contract and after the effective date 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.