The Insurer – Joint-Stock Insurance Company "VSK" offers to conclude a travel insurance contract in accordance with electronic travel tickets on the terms and conditions of Regulations for insurance of medical and other unexpected expenses of persons leaving the place of permanent residence (Insurance Rules).

This type of insurance is voluntary and the conclusion of an insurance contract is not obligatory for purchasing electronic travel tickets.

In accordance with article 438 of the Civil Code of Russian Federation, the payment of the insurance premium, which is included to the total price of the order, means that the individual accepts all the terms of the Insurance Contract and the Insurance Rules.

Insurance Terms and Conditions.

The subject matter of insurance shall be the property interests of the Policy Holder (Insured) related to expenses incurred in connection with the provision of medical and other assistance in connection with acute illness, exacerbation of chronic disease, accident or death of the Insured or other unforeseen circumstances stipulated by the terms of the insurance policy that occurred during the validity period of the insurance policy.

Under insurance events actual, unforeseen and unintended acute diseases and accidents for the Insured person shall be recognized, as well as other events with the onset of which the Insurer’s obligation arises to make insurance payment for reimbursement of all or part of unforeseen expenses of the Insured person incurred by him/her during the term of the insurance policy, namely:
Expenses and coverage limits included in the insurance policy	ECONOM-CLASS 500 000 RUB	BUSINESS-CLASS 1 500 000 RUB
Medical expenses, excluding dental care expenses	+	+
Treatment of exacerbation of chronic disease	up to 25 000 RUB	up to 25 000 RUB
Transportation, medical transportation expenses, medical evacuation	up to 500 000 RUB	up to 500 000 RUB
Expenses for repatriation of the deceased	up to 250 000 RUB	up to 250 000 RUB
Expenses for emergency messages transmission	up to 1 000 RUB	up to 1 000 RUB
Expenses for early return in a case of emergency	+	+
The cost for evacuation of children accompanying the Insured	+	+
Deductible for insured persons from 0 to 2 years of age, over 70 years of age	1500 RUB	no deductible
The emergency dental care expenses	not covered	up to 2 000 RUB
Expenses in case of baggage loss	not covered	20 000 RUB
Insurance premium per day, RUB	40	60
*the maximum period of insurance is 90 days.

Raising coefficients:

1. By age:

For insured persons under 2 years of age and from 65 to 70 years of age tariff rate is increased 2 times

• 71 – 75 years of age – 3 times,
• 76 – 80 years of age – 4 times,
• 80 years of age and older – 6 times.

2. Sport risks (as stated in p. 1.26 and p. 1.27 of the Insurance Rules):

• Outdoor activities: raising coefficient is 1,5.
• Amateur sports: raising coefficient is 2.

The amount of the insurance premium (insurance policy cost) shall be determined based on the size of the insurance amount, the insurance option, the corresponding values of the basic insurance rate, insurance terms, correction rates based on various factors affecting the risk level of the insurance event: age, territorial, purpose of travel, etc.

The insurance coverage is aggregate, i.e. after the insurance compensation being paid, the size of the insurance coverage is reduced.

Regulations No. 60.13 for insurance of medical and other unexpected expenses of persons leaving the place of permanent residence are available on the website https://shop.vsk.ru/travel

Rules of the conclusion, entry into force, termination and payment of the insurance contract (insurance policy) are available via the link: https://tripandfly.ru/en/terms-of-purchase-e-tickets/offer-onelia