Full offer terms

The insurer is AlfaStrakhovanie JSC in accordance with Art. 435 of the Civil Code of the Russian Federation invites you to conclude an insurance contract in accordance with the " Passenger Insurance Rules " (hereinafter - the Insurance Rules) on the conditions specified below.

The insurance policy in confirmation of the conclusion of the insurance contract will be generated by the online system
"AlfaStrakhovanie" in electronic form (file with the extension .pdf).
Files containing insurance policies (separate for each of the insured passengers) and the Insurance Rules will be sent after payment of the order with the included insurance service to the email address specified during the booking. Received insurance policies must be printed. The copy of the policy kept by the Insurer, in terms of text and content, is completely similar to the pdf image of the policy sent by the Insurer to the email address specified during the booking.

An insured person for accident insurance is considered to be a passenger on a flight in whose favor an insurance contract has been concluded (an additional service has been purchased) and whose data are indicated in the itinerary receipt of the electronic ticket and in the insurance policy.

When insuring luggage, the insured are the personal belongings of the Insured (passenger) registered as luggage , accepted for carriage with a luggage tag.
Important! The insurance coverage does not apply to carry-on baggage.

The Insured under the concluded insurance contract is the Insured (or his legal representative in the event that the Insured is an incapacitated individual). The policyholder ensures the payment of the insurance premium under the insurance contract concluded when booking and paying for the air ticket on the website www.uralairlines.ru.

Insurance period (period of the Insurer's liability):

• for insurance against accidents - from the moment of arrival of the Insured at the airport where the carriage begins, and until the moment the Insured leaves the territory of the airport at which the carriage ends;
• for baggage insurance, delayed baggage delivery - from the moment the carrier accepts baggage for carriage until the carrier delivers baggage.
• For insurance of delayed departure - from 00 hours 00 minutes of the day preceding the day of departure of the earliest flight specified in the insurance contract (policy) and until 24 hours 00 minutes of the day following the day of the end of carriage on the latest flight specified in the insurance contract (policy ).

The insurance contract comes into force from the date of payment of the insurance premium and is valid for 15 calendar days. The validity of the insurance contract is extended for the period necessary to complete the carriage if the ticket was purchased more than 15 days before the start of carriage and / or the flight was postponed and / or the carriage was not completed within the specified time frame.

Territory of insurance

• for baggage insurance, the insurance contract is valid when baggage is found on the territory of the airport, as well as on the aircraft carrying out transportation;
• for insurance against delayed departure, delayed baggage and insurance of expenses for restoring documents: valid throughout the world;
• for accident insurance: on an aircraft carrying out transportation; on the territory of the airport where the carriage begins and ends, with the exception of the territories (premises) not intended for passengers.

The insurance policy will be formed on the basis of a set of insurance services (insurance options available at the time of purchase), selected and paid by the Insured on the website www.uralairlines.ru .  

The insurance option and the total cost of the insurance service (the amount of the insurance premium) payable for all issued insurance policies are shown in the block for ordering insurance services (additional services to the ticket) not earlier than the provision of a hyperlink to familiarize yourself with this Public Offer.

* Indicated are the size of the insurance premium per one and each Insured in Russian rubles. For each of the Insured passengers, whose data was entered when booking and paying for an air ticket on the Internet resource where the policy is purchased, a separate insurance policy is generated. The total cost of the service (insurance premium) for each of the insurance policies is calculated separately based on the type of flight ("there" or "there and back", the presence or absence of intermediate landings) in accordance with the order and the generated itinerary receipt of the electronic ticket.

I. Departure delay¹ - a documented delay in the actual start of transportation of the Insured in comparison with the time indicated in travel documents for more than 3 full hours, due to:

- delays of one of the flights specified in the insurance contract (policy) 2 for which the Insured checked in in the manner prescribed by the carrier for 3 (three) full hours or more.

Payment is made according to one of the following Options:

① Payment of 1000 rubles. for the third full and each subsequent full hour of delay. [p.4.2.1. "A" of Section 5 of the Rules]

② If the departure of the Insured is delayed by flight due to the delay of one of the flights specified in this policy for more than three full hours, the Insurer will arrange for the Insured person to issue a certificate in his name for a one-time visit to the enhanced comfort lounge (Business Lounge). To obtain a certificate, the Insured applies to the service company of the Insurer by the phone number specified in the insurance policy.

Obtaining a certificate is possible only during the delay in the departure of the flight specified in the insurance contract, starting from the third full hour of delay and above.

If a certificate is issued to the Insured, the obligation of the Insurer to pay the insurance indemnity is considered fulfilled.

In the event of a delay in departure due to the cancellation of the flight specified in the policy or in the event of a voluntary or forced change of direction, dates of transportation and / or flights specified in the policy, payment under the option providing for the issuance of a certificate is not made.

- cancellation of one or several flights specified in the insurance contract (policy) 2 resulting in a change in the date or time of the start of the actual transportation of the Insured. In this case, the subsequent transportation of the Insured was carried out by air / rail / regular (following on schedule) bus transport not earlier than 3 (three) full 3 hours from the time indicated on the ticket of the Insured as the time of departure (departure) of the canceled flight.

Payment of 1,000 rubles. for the third full and each subsequent full hour of delay [clause 4.2.1. "A" of Section 5 of the Rules].

The duration of the departure delay due to flight cancellation is calculated as the difference between the time of departure of the canceled flight according to the schedule and the time of departure of the flight / train / bus that the Insured actually used.

If the flight delay preceded its cancellation, the payment is made in the amount calculated for one of the insured reasons for the departure delay (according to the option that determines the larger payment amount).

¹ The events that occurred as a result of:

a) delays (cancellations) of a flight for which the Insured has not checked in in the manner prescribed by the carrier;

b) cancellation or expected delay of the flight, as a result of which the actual carriage of the Insured by air began earlier than the time indicated in the itinerary receipt of the Insured's electronic ticket as the time of departure (departure) of the canceled / delayed flight for which an insurance contract (policy) was concluded;

c) refusal of the carrier to transport the Insured for any reason, including, but not limited to:

• overbooking;
• violation by the passenger of the rules of air transportation, as well as the presence of the Insured in a state of alcoholic, drug or toxic intoxication;

d) departure delays of less than 3 (three) full hours.

e) departure delay, the duration of which is calculated as the sum of the delay time of several flights;

f) delays in the actual start of transportation of the Insured by less than 3 (three) full hours compared to the time specified in the ticket receipt route and / or insurance contract (policy) as the time of departure (departure) of the delayed or canceled flight;

g) delay of the Insured for the flight for any reason, including, but not limited to, due to a delay in the arrival of the previous flight;

h) refusal by the Insured to take a delayed flight. The Insurer has the right not to apply this exception if the Policyholder (the Insured, the Beneficiary) provides the Insurer with documentary evidence that the start of his alternative carriage began earlier than the delayed flight, in respect of which the insurance was carried out, departed, and the start of the alternative carriage did not begin earlier three full hours from the time indicated on the ticket of the Insured as the departure time of the delayed flight;

i) cases in which the carrier in advance, i.e. before the start of the insurance period under the insurance contract (policy), notified the Policyholder / Insured or another person who purchased a ticket in the interests of the Insured about the cancellation or postponement of the departure time to a later one in relation to the departure time specified in the original itinerary receipt of the Insured and / or an insurance contract (policy).

The liability of the Insurer does not apply to cases of the carrier transferring the departure of the flight earlier than the date and / or time indicated in the original itinerary receipt of the insured and / or insurance policy.

² A flight is understood to be an air carriage, the parameters of which (route, date and time) are specified in an electronic ticket, insurance contract (policy) or boarding pass of the Insured, or a carrier's certificate.
³ An incomplete hour of departure delay is rounded up to the full as follows: a delay from 0 (zero) to 29 (twenty nine) minutes inclusive is not considered a full hour and is not taken into account in the calculation of the amount of the payment. A delay from thirty (30) to 59 (fifty nine) minutes inclusive is considered a full hour.

II. Baggage insurance страх insured are personal belongings of the Policyholder (passenger) registered as baggage, accepted for carriage with a baggage tag. The insurance coverage does not apply to hand luggage!

When insuring baggage⁴, insured events are the loss of entire pieces of Baggage , as well as the loss or damage to Baggage (individual items of Baggage) that occurred during the insurance period and in the territory of the insurance contract and are documented, arising due to any reasons other than those listed in cl. 4.7. - 4.10. Section 4 of the Insurance Rules.

Loss of whole⁵ pieces of Baggage (non-delivery to the destination, loss) is recognized on the basis of a written confirmation of this fact by the carrier.

The Baggage (item of Baggage) is deemed to be lost (destroyed) if the costs of its repair, taking into account wear and tear, together with the residual value, exceed the actual value of the Baggage (item of Baggage).

The Insurer has the right to recognize the Baggage (item) as lost on the basis of the documents and information at its disposal on the insured event.

Damaged Baggage shall be deemed to be those things (objects) in the Baggage, the structural integrity of which has been violated.

If an entire piece of baggage is lost (lost) during transportation, payment is made in one of the following ways:

a) 1500 rubles per 1 kg. baggage [p. 4.5.1 "c" of Section 4 of the Insurance Rules];
b) Compensation for the documented expenses of the Insured for the purchase of a new suitcase or bag to replace the missing one, as well as 1,500 rubles for each kilogram of lost things inside the suitcase / bag [p. 4.5.1 "a" of Section 4 of the Insurance Rules]. The limit of compensation for documented expenses for the purchase of a new suitcase or bag is set at no more than 25,000 rubles (expenses incurred between the date of occurrence of the insured event and the date of filing an application for settlement of losses to the Insurer are compensated).
In case of settlement of the insured event of loss (loss) of baggage in this way, the Insurer subtracts from the total weight of the whole piece of baggage the weight of the suitcase / bag (without contents), while in accordance with this public offer, the Parties (the Insurer and the Policyholder) have agreed to consider that the weight of the suitcase / bag (without content) is 3 kg.

In case of loss of luggage (suitcase / bag and / or its contents) during transportation, payment is made in one of the following ways:

c) payment of 1,500 rubles per 1 kg. luggage (contents of the suitcase / bag) [p. 4.5.1 "c" of Section 4 of the Insurance Rules];
d) reimbursement of documented expenses for the purchase of a new suitcase or bag (without contents) instead of the deceased, made between the date of the occurrence of the insured event and the date of filing an application for settlement of the loss to the Insurer. payment for the weight of the suitcase / bag (without contents) is not made. The payment limit is set at no more than 25,000 rubles [p. 4.5.1 "a" of Section 4 of the Insurance Rules].
e) payment in the amount of the actual6 documented value of the lost suitcase / bag. If it is impossible to document the actual value of the lost suitcase / bag, the payment is calculated in the amount of 3,500 rubles for each kilogram of the lost suitcase / bag (without contents). The payment limit is set at no more than 25,000 rubles [p. 4.5.1 "b" of Section 4 of the Insurance Rules].
In the case of settlement of the insured event by the method "b" or "d", the expenses specified in these sub-clauses are compensated for, incurred between the date of the occurrence of the insured event and the date of filing an application for settlement of losses to the Insurer.
If the insured event is settled in the manner specified in subparagraphs "d" or "e", payment for the weight of the suitcase / bag (without contents) is not made.

In the event of damage to baggage, payment in the amount of repair costs If it is impossible to establish the cost of repairs 1500 rubles. for 1kg. damaged baggage [clause 4.5.2. "A" of Section 4 of the Rules].

If the Insurer recognizes the baggage as lost, the payment is made only for one of the risks of the section Baggage Insurance - the risk of “Destruction of baggage”.

⁴ Baggage - personal belongings of the Insured, his close relatives or close relatives of his / her spouse or other Insured traveling with him, registered and checked in to the carrier. Carry-on baggage is not considered baggage.
⁵ Whole piece of baggage - baggage checked in by the carrier as one piece, confirmed by a baggage check.
⁶ The actual value is determined as follows: if the suitcase was purchased within a year prior to the occurrence of the insured event, then its full cost is paid according to the remaining purchase receipt; if a year or more has passed from the purchase of a suitcase, then 10% is deducted from the value of the suitcase for each year of its use, starting from the second year (an incomplete year of use is rounded to full).

Luggage insurance does not constitute an insured event that is a consequence or result of:

a) the influence of temperature, humidity or special properties and natural qualities of the contents of the Baggage, which may lead to its death or damage (shrinkage, shrinkage, crumbling, leakage, weight gain from soiling or as a result of hygroscopicity of the baggage, rotting, mold formation, spontaneous combustion, explosion - and flammability);
b) wear, rust, mold, discoloration and other natural changes in the properties of the insured property;
c) scratches, peeling of color, other violations of the appearance of the property, which did not cause disruption of its functions;
d) damage to property by insects and rodents, unless otherwise provided directly by the insurance contract;
e) transportation of food products, dyes, chemicals or their spill (leakage) during transportation;
f) explosion of batteries (accumulators, batteries, etc.) or their leakage in the Insured Baggage;
g) transportation of piercing and cutting objects in the Insured Baggage, including those with a sharp cutting edge (glass fragments, ceramics, knives, household tools, etc.);
h) violation by the Insured (the Policyholder, the Beneficiary) of the rules for the carriage of Baggage or the prohibition of the carrier to carry certain Baggage.

Also, the events that occurred are not insured events:

a) when the Insured (Insured, Beneficiary) or other interested third parties commit illegal actions that are in direct causal connection with the occurrence of an insured event;
b) when the Insured (Insured, Beneficiary) or other interested third parties commit deliberate actions that are in direct causal connection with the occurrence of an insured event.

Are not insured events:

a) contamination of the Baggage or its wetting, which did not cause irreversible damage to its properties and / or functions;
b) cases of loss of individual items of Baggage, determined by the presence of a difference in weight between the delivered to the carrier and the whole piece of Baggage received from him;
c) cases when the Policyholder (Insured) or the Beneficiary has not received documentary confirmation from the carrier about the fact of an accident with Baggage, in connection with which an insured event is reported to the Insurer;
d) the occurrence of indirect costs related to the receipt of Baggage (customs duties, fines, penalties), unless otherwise specified in the insurance contract (policy).

Insurance (liability of the Insurer) does not apply to the following items in the Baggage, and the Insurer does not make insurance payments for them:

a) cash in Russian and foreign currency, securities, discount and other bank cards;
b) antique and unique items, works of art and collection items;
c) travel documents, passport and any types of documents, slides, photographs, film copies;
d) items transferred to the carrier in violation of the rules of carriage and / or prohibited for carriage; e) information on electronic media;
f) manuscripts, plans, diagrams, drawings, models, accounting and business papers; g) glassware, ceramics, porcelain;
h) paper, cardboard, wood, plastic / cellophane and similar packaging (wrapping); i) contact lenses, glasses;
j) animals, insects, plants and seeds, corals, sponges, shells and mushrooms; k) items of religious worship, musical instruments;
m) any free-flowing fractions (sand, flour, seeds, granules, etc.).

For the following items, the Insurer does not make payments:

- items undamaged during transportation that are part of the sets (sets, collections, construction sets, board games), including undamaged parts of any items disassembled into their component parts for transportation;

This limitation does not apply to items of clothing and footwear sold exclusively in pairs and constituting a single set with non-interchangeable right and left parts (shoes, gloves, socks, knee socks, leggings, pair sports protection for hands and feet) - in case of total damage to one item from of such a set, the Insurer has the right to compensate, depending on the terms of payments under the concluded insurance contract, the cost of the set or make a payment based on the weight of the set.

In relation to the following items that were in the Baggage, the Insurer does not make payments in the amount of their actual value (face value), regardless of the possibility of its documentary confirmation:

a) adornments (products made of precious metals, precious and semi-precious stones), items of folk art and crafts;
b) food, liquids, tobacco, alcoholic beverages;
c) portable (portable) electronics and optics, including audio, photo, video equipment, mobile and satellite phones, computers, radio tape recorders, radio receivers, etc., electronic storage media, lenses of photo and video cameras, telescopes, microscopes , night vision devices, optical sights, binoculars, binoculars, monoculars, etc. and any affiliation to them, unless otherwise expressly stated in the insurance contract (policy);
d) batteries (accumulators, batteries, etc.); e) any types of prostheses.

III. Delayed baggage claim. In case of delay in baggage delivery for more than 12 hours, a payment of 500 rubles per 1 kg. delayed piece of baggage [clause 4.2.2. "A" of Section 5 of the Rules].

IV. Expenses for the restoration of documents - expenses for processing an identity document, the loss of which prevents the continuation of the trip and / or return to the place of permanent residence of the Insured (consular fees, state fees, expenses for photographs for questionnaires, etc.).

V. Accident insurance⁷, including:

• "Injury as a result of an accident" - an injury (bodily injury) resulting in injury to health, received by the Insured during the insurance period as a result of an accident that occurred during the insurance period.

Payment according to the payout table ( Appendix # 1 to the "Passenger Insurance Rules") [clause 4.5.1. Section 1 of the Rules]

• "Disability as a result of an accident" - the establishment of the Insured of I, II, III groups of disability as a result of an accident that occurred during the insurance period, which occurred during the insurance period or one year after the occurrence of this accident / establishment of the Insured child (under the age of 18 years) of the category "disabled child" as a result of an accident that occurred during the insurance period, occurred during the insurance period or one year after the occurrence of this Accident.

When establishing:
I group of disability payment of 100% of the sum insured, II group of disability - 80% of the sum insured,
III disability group - 60% of the sum insured [clause 4.5.3.1. Section 1 of the Rules]

• "Death as a result of an accident" - death of the Insured as a result of an Accident,

occurred during the insurance period, occurred during the insurance period or within one year after the occurrence of this Accident.
Payment of 100% of the sum insured [clause 4.5.4. Section 1 of the Rules].

The events specified in clause 4.4 are not insured events. Section 1 of the Insurance Rules.

⁷ ACCIDENT - a sudden physical impact of various external factors (mechanical, thermal, chemical, etc.) on the body of the Insured that occurred during the insurance period, which occurred against the will of the Insured and resulted in harm to health - bodily injury, violations of the physiological functions of the Insured's body or his death. Accidents, for example, include: attack by intruders or animals (including insects, reptiles and other animals), falling of an object on the Insured, falling of the Insured himself, sudden suffocation, sudden poisoning with harmful products or substances, injuries caused by the movement of means of transport or during their accident, when using machines, mechanisms, production tools and all kinds of tools, and others. Also, accidents include the impact of external factors: explosion, burns, frostbite, drowning, electric current, lightning strike and other external influences.
The above events that have occurred due to illness, as well as death due to natural causes, as well as events that did not lead to harm to health, are not accidents.
⁸ CAUSING HARMFUL HEALTH - violation of the integrity of the body, which caused Harm to health, dangerous to human life, which by its nature directly poses a threat to life, as well as harm to health that caused the development of a life-threatening condition. The source of determining the severity of harm to health, as well as the presence of harm itself, if this is not specifically defined by these Rules, as well as by the insurance contract, are the medical criteria for qualifying signs of the severity of harm to health, established by the Ministry of Health and Social Development of the Russian Federation, as amended the moment of occurrence of the insured event.

The procedure for making insurance payments (insurance compensation) for the risks (insured events) specified in this offer, including the list of documents that must be submitted in the event of an event that has signs of an insured event, are defined in the sections of the Insurance Rules corresponding to the indicated risks (insurance cases), as well as in the Sections "Rights and obligations of the parties" and "Procedure for making insurance payments in case of death of the insured."
This offer to purchase the service on the specified conditions and in accordance with the Insurance Rules is a public offer of the Insurer to conclude an insurance contract with the Insured in accordance with Art. 435 of the Civil Code of the Russian Federation. Acceptance of the offer of the Insurer in accordance with Art. 438 of the Civil Code of the Russian Federation is the receipt of the insurance premium included in the total cost of ordering an air ticket and additional services under an insurance contract to the current account of the Insurer or his representative.
By accepting this public offer, the Policyholder also confirms that:

• The Policyholder (Insured) is acquainted with the Insurance Rules and agrees (s), the text of the Rules has been received;
• The Policyholder agrees to the use by the Insurer of the facsimile reproduction of the Insurer's signature and seal in the insurance policy;
• The Policyholder (Insured) agrees to the processing by the Insurer and third parties authorized by him of the personal data specified in the insurance contract (as well as other personal information received by the Insurer when executing the insurance contract), including special

categories of personal data, by any means established by law, including collection, systematization, accumulation, storage, clarification (update, change), use, distribution (including transfer), depersonalization, blocking, destruction of personal data, both on paper and and on electronic media, in order to fulfill the concluded insurance contract, as well as inform the Policyholder (Insured) about insurance programs, the duration of the concluded insurance contract and other purposes. This consent is valid for the entire period of validity of the concluded insurance contract and for five years after the expiration of the insurance contract and can be revoked at any time by transmitting to the Insurer a written notification signed by the subject of personal data.

• The Policyholder (Insured) has read the Policy of the Insurer regarding the processing of personal data posted at: https: // www.alfastrah.ru/docs/Politika_pd.pdf and agrees with it.

The conclusion of an insurance contract is not a prerequisite for the conclusion of a carriage contract (purchase of an air ticket).

Change / return of policy:

In case of voluntary or involuntary change of the dates of carriage and / or flights indicated in the policy and in the electronic ticket of the Insured (if the order number (PNR) and / or air ticket remain unchanged), the policy cannot be reissued and continues to apply to the changed dates of carriage and / or flights.

The insurance premium is refunded in the amount of 100%:

• in case of refusal of the Insured - an individual from this Insurance Contract within 14 calendar days from the date of its conclusion in the absence of events that have signs of an insured event and provided that on the date of submission to the Insurer's representative of an application for termination of the Insurance Contract (Policy), the validity of the Insurance Contract has not ended (the date of the last of the flights indicated in the Policy has not expired yet). In the event of the expiration of the validity of the Insurance Contract, the insurance premium is not refunded, except for cases when the Insurer's obligations under the Insurance Contract could not be fulfilled during the validity of the Insurance Contract due to the disappearance of the subject of insurance for reasons other than the occurrence of an insured event.
• at the request of the Policyholder (Insured), provided that on the date of the application for termination of the Insurance Contract (Policy), none of the transportation specified in the Policy was started.
• in case of refusal of the Policyholder (Insured) from all transportation specified in the Insurance Contract (Policy), prior to their commencement. In this case, additional documents are not drawn up by the parties. The basis for the return of the insurance premium is the fact of termination of the carriage contract. The insurance contract is automatically terminated before the expiration of the period for which it was concluded, due to the fact that after its entry into force the possibility of the occurrence of an insured event has disappeared, and the existence of the insured risk ceased due to circumstances other than the insured event.

After the commencement of any of the transportation specified in the Insurance Agreement (Policy), the insurance premium is not refundable, except for the case provided for in clause 1 of this section.

Cancellation of the concluded insurance contract at the request of the Policyholder ( not due to cancellation of carriage ) is made on the basis of the Policyholder's application.

In this case, the completed and signed application for termination of the insurance contract must be sent to the address of Ural Airlines by e-mail help@u6.ru.

Attention! The insurance premium is refunded upon termination of the insurance contract in the same way that the payment for the air ticket and insurance premium was previously made.

AlfaStrakhovanie JSC
License SL No. 2239, SI No. 2239
115162, Moscow, st. Shabolovka, 31, building B Tel. / fax: 8 800 333 0 999 (free within the Russian Federation) www.alfastrah.ru pass@alfastrah.ru
Yekaterinburg branch of AlfaStrakhovanie JSC
620075, Yekaterinburg, st. Malysheva, 42 Tel. / fax: +7 (343) 287-0-287
info@ektrb.alfastrah.ru

The insurer OJSC "AlfaStrakhovanie" in accordance with Art. 435 of the Civil Code of the Russian Federation invites you to conclude an insurance contract in accordance with the " Rules for Combined Passenger Insurance " (hereinafter referred to as the Insurance Rules, the text of Extracts from the Rules ) on the following conditions.

The insurance policy in confirmation of the conclusion of the insurance contract will be generated by the online system "AlfaStrakhovanie" in electronic form (file with the extension .pdf).
Files containing insurance policies (separate for each of the insured passengers) and Extracts from the insurance rules will be sent after payment of the order with the included insurance service to the email address indicated when booking. Received insurance policies must be printed independently, or apply for a printout to the office of "AlfaStrakhovanie" at the address below.

The insured person in case of accident insurance, combined insurance of medical expenses of passengers, insurance of passengers in case of inability to travel is considered a passenger who makes a flight, in favor of whom an insurance contract was concluded (an additional service was purchased) and whose data is indicated in the itinerary receipt of an electronic ticket insurance policy.

The Insured under the concluded insurance contract is the Insured (or his legal representative in case the Insured is an incapacitated individual). The policyholder ensures payment of the insurance premium under the insurance contract concluded when booking and paying for an air ticket on the Ural Airlines website.

The objects of insurance are:

• insurance of passengers in case of impossibility to travel - property interests of the Insured associated with unforeseen expenses incurred in connection with the impossibility of the Insured to make a planned trip;
• for passenger baggage insurance - property interests of the Policyholder (Beneficiary) related to the possession, use, disposal of the Baggage belonging to him;
• for insurance in case of delayed baggage - the property interests of the Insured (Beneficiary) associated with additional costs during transportation and during the trip.

Insured risks and amounts insured:

Insurance premium¹ (policy cost) depends on the duration of the trip:

¹ The insurance premium is indicated for persons under the age of 75 (as of the date of the insurance contract). The total insurance premium can be increased for persons aged 75 to 80 years. The insurance does not cover events that happened to people over 80 years old, as well as events that happened to people of all ages, in the process and as a result of active recreation / sports.

The size of the insurance premium for one and each Insured is indicated in Russian rubles. In respect of the insurance contract, depending on the insurance period, a fixed rate of 60 RUR per 1 EUR is applied to calculate the amount of insurance premiums, insurance amounts and payments

* TRAVEL TERRITORY - an area that meets at least one of the following criteria: - the area to which the insured arrived from the place of residence on the flight; - the shortest distance from which on public roads to the place of residence of the Insured is more than 300 km.

Medical expenses insurance is carried out on the basis of the Ride Comfort MR program of the Insurance Rules and includes the following insurance risks:

• Expenses for treatment and medicines - expenses for: outpatient treatment (including doctor's call); hospital stay and treatment (including surgical costs), diagnostic tests, procedures and hospital services; the cost of medicines (including dressings) prescribed by a doctor for the purpose of providing emergency care, the cost of renting crutches, wheelchairs and other items of medical equipment and aids, if these funds are provided as prescribed by the attending physician.
• Dentistry expenses - expenses for dental care if it is needed due to an accident or acute toothache. The liability limit for this risk is equivalent. 300 EUR.
• Transportation expenses - expenses for transportation of the Insured to one of the nearest medical institutions or to a doctor (including expenses for transportation of the Insured to another medical institution strictly for medical reasons or with the prior consent of the Insurer or the Service Department); transportation costs (including taxi) from the medical institution to the place of residence during the trip (once for each insured event).
• Transportation expenses to the place of residence - expenses for transportation of the Insured strictly in accordance with a medical prescription and subject to the consent of the Insurer or the Service Department (including expenses for an accompanying person, if such an accompanying person is also prescribed by a doctor) by plane (economy class), train (excluding CB tickets - luxury compartment), other adequate means of transport to the nearest station or airport to the place of permanent residence or registration (for foreign travel - to the nearest international station or airport), with which there is a direct air / railway connection. The liability limit for this risk is the equivalent of EUR 400.
• Evacuation expenses - expenses for evacuation who travel together with the Insured, who are left unattended by a sick adult, for one-way travel by plane (economy class) or by train (excluding tickets for SV - luxury compartment) to the station or airport nearest to the place of permanent residence (for foreign travel - to the nearest international station or airport), and further to the place of permanent residence of children under 18 who are with the Insured during their trip, if the children were left unaccompanied as a result of an insured event with the Insured. If necessary, the Insurer will arrange for accompanying children and pay the travel expenses by plane (economy class) or by train (excluding tickets for SV - luxury compartment) of one accompanying person. The liability limit for this risk is the equivalent of EUR 3,000.
• Expenses for an urgent visit of a third party in an emergency - expenses, strictly according to the medical prescription of a doctor, for round-trip travel by plane (economy class) or by train (excluding tickets for SV - luxury compartment) from the country of permanent residence and back of one close relative of the Insured, if the Insured traveled alone
• Living expenses of an accompanying person - living expenses of one person making a joint trip with the Insured in case of hospitalization of the Insured as a result of an insured event, at the rate of no more than 0.2% of the insured amount for this risk per day.

The aggregate limit of liability for the risks "Living expenses of an accompanying person" and "Expenses for an urgent third party visit in an emergency" is the equivalent of EUR 3,000.

• Expenses for repatriation of the body (remains) - expenses associated with the repatriation of the body (remains) of the Insured to the nearest international airport or train station to the place of permanent residence (or the place of intended burial), with which there is a direct air / railway connection, including the costs of all necessary measures on the organization of repatriation of the body of the Insured. The insurer does not reimburse the costs of funeral services and burial. The liability limit for this risk is the equivalent of EUR 10,000.

Attention! Medical and other abovementioned expenses are not subject to reimbursement if:
- they were produced in the country of permanent residence of the Insured.
- they are associated with the treatment of injuries, diseases caused by any sport (as a professional or amateur).

Insurance against the inability to travel is carried out on the basis of the "NSP" option of the Insurance Rules and includes the following insurance risks:

• “Hospitalization” - an accident or Acute illness of the Insured, his Close relatives or other Insured traveling with him, requiring continuous hospital treatment before the date of the trip (inclusive); This event is not recognized as an insured event if the Insured or other persons specified in this clause have refused hospitalization.
• "Trauma" - an injury (bodily injury) sustained by the Insured, his Close relative or other Insured traveling with him, which served as the basis for issuing him a medical order prohibiting him from making the insured trip.
• Call - the inability to travel due to the call of the Insured for urgent military service or military training, provided that the Insured has received a notification (summons) after payment of the insurance premium under the Insurance Contract.
• Property damage - the inability to travel due to damage or loss (destruction) of the Insured's property, which occurred as a result of: fire; water damage from plumbing, sewerage, heating systems; natural disasters (earthquake, landslide, storm, hurricane, flood, flood, hail or rainstorm); damage to the property of the Insured by third parties.
• “Reduction” - reduction or receipt of an official notice of the reduction of the Insured from the main place of work in connection with the reduction of staff, subject to receipt of a notice of termination after payment of the insurance premium under the Insurance Contract.
• " Traffic accident " - a road traffic accident with the participation of the Insured, which occurred less than 12 hours before the start of the planned trip.
• "Cataclysms" - a natural disaster or a dangerous natural phenomenon in the area from which the trip is made or on the territory of the country of the planned trip (flood, fire, earthquake and other natural disasters).
• State of emergency - the introduction of a state of emergency on the territory of the planned trip.
• Visa refusal - refusal to issue, non-receipt, including delay in receiving, or receiving for other than the requested terms, an entry visa in relation to a citizen of the Russian Federation, namely, the Insured or the spouse and / or their spouse traveling with him on a joint trip minor children as well as other Insured persons making a joint trip with him (subject to the submission of documents for obtaining a visa in accordance with the procedure and within the time frame established by consular offices, as well as the absence of previously received visa refusals to the country / group of countries of the proposed Trip from all participants (except in cases of cancellation of such a refusal).

When insuring luggage, the insured are the personal belongings of the Insured (passenger) registered as luggage, accepted for carriage with a luggage tag. Important! The insurance coverage does not apply to carry-on baggage in accordance with these terms and conditions.

In case of accident insurance, the insurance risks are:

• "Disability" - the establishment of the Insured of I, II, III groups of disability as a result of an accident that occurred during the insurance period, which occurred during the insurance period or one year after the occurrence of this accident / the establishment of the category " disabled child ”as a result of an accident that occurred during the insurance period, occurred during the insurance period or one year after the occurrence of this Accident;
• "Death" - the death of the Insured as a result of an Accident that occurred during the insurance period, occurred during the insurance period or within one year after the occurrence of this Accident

Insurance period (period of the Insurer's liability):

• for insurance against accidents - from the moment of arrival at the airport of departure during transportation "there", for the entire stay on the trip and until the moment of leaving the airport of arrival during transportation "back";
• for baggage insurance - from the moment the carrier accepts baggage for carriage and until the carrier picks up baggage;
• for insurance of medical expenses - for the period of transportation "there", stay on the trip and transportation "back";
• on passenger insurance in case of impossibility to travel - from the moment of the conclusion of the insurance contract, but not less than 10 days before the date of the planned trip, and until the start of transportation "there";
• for delayed baggage insurance - for the period of transportation "there".

Insurance contract validity period:

• for outbound flights - 5 days from the departure date (inclusive) of the earliest flight indicated in the itinerary receipt of the Insured's e-ticket;
• for round trip flights - the period between the outbound departure date and the actual completion date of the return flight (including both dates).

This offer to purchase the service on the specified conditions and in accordance with the Insurance Rules is a public offer of the Insurer to conclude an insurance contract with the Insured in accordance with Article 435 of the Civil Code of the Russian Federation. The acceptance of the Insurer's offer is the receipt of the insurance premium included in the total cost of the air ticket and additional services under the concluded insurance contract to the current account of the Insurer or its representative.

By accepting this public offer, the Policyholder also confirms that:

• The Policyholder (Insured) is acquainted with the Insurance Rules and agrees (s), the text of the Rules has been received;
• The Policyholder agrees to the use by the Insurer of the facsimile reproduction of the Insurer's signature and seal in the insurance policy;
• The Policyholder agrees with the currency exchange rate applied by the Insurer for the purpose of calculating the amount of insurance premium under the concluded insurance contract (see above);
• The Policyholder (Insured) agrees to the processing by the Insurer and third parties authorized by him of the personal data specified in the insurance contract (as well as other personal data received by the Insurer when executing the insurance contract), including special categories of personal data, by any means established by law, including collection, systematization, accumulation, storage, clarification (update, change), use, distribution (including transfer), depersonalization, blocking, destruction of personal data both on paper and electronic media, in order to fulfill the concluded agreement insurance, as well as informing the Policyholder (Insured) about insurance programs, the duration of the concluded insurance contract and other purposes. This consent is valid for the entire period of validity of the concluded insurance contract and for five years after the expiration of the insurance contract and can be revoked at any time by transmitting to the Insurer a written notification signed by the subject of personal data.

The conclusion of an insurance contract is not a prerequisite for the conclusion of a carriage contract (purchase of an air ticket).

In case of refusal of the Policyholder (Insured) from carriage before the start of carriage “there” (full refund of the ticket), the insurance contract is subject to termination with the return of the insurance premium in the amount of 100%. In this case, the parties do not draw up additional documents, the basis for termination of the insurance contract is the fact of termination of the carriage contract.

With an increase in the total duration of the trip, the insurance contract is not subject to change and is valid only during the periods and flights specified in it.

The insurance contract can be terminated on the basis of a written application from the Policyholder sent to the Insurer at the address below. In this case, the insurance premium is refunded in proportion to the term of the insurance contract, minus the costs of running the Insurer's business.

Attention! The insurance premium is refunded upon termination of the insurance contract in the same way that the payment for the air ticket and insurance premium was previously made.

OJSC "AlfaStrakhovanie"
License C No. 2239 77
115162, Moscow, st. Shabolovka, 31, building B
Tel. / fax: 8 800 333 0 999 (free within the Russian Federation)
Compulsory insurance contract No. 4394Z / 372/13969/4 dated November 13, 2014
www.alfastrah.ru
alfastrah@alfastrah.ru

The insurance contract in terms of the risk "Medical and other expenses" does not apply in the territory located closer than 150 kilometers from the place of registration and / or permanent residence of the Insured, as well as in the territory of a foreign state in which the Insured is mainly residing and registered or a citizen of which the Insured is.

The standard coverage includes by default types of outdoor activities , as well as sports (in the policy in the column "Special conditions" a special mark SPORT / SPORT).

IMPORTANT! The policy does not cover participation in competitions, extreme sports, dangerous sports, including: mountaineering (finding the insured on routes that are not generally accepted for trekking and used to climb the top of the mountain. Mountaineering requires special training and special equipment. we understand with special equipment: climbing helmet, crampons, ice tool / ice ax, ice drill, harness, belay device, carabiners, ropes, guy wires, loops, friend, oxygen, etc.); ice climbing; rock climbing (climbing on natural (rocks) or artificial (climbing wall) terrain); tactical shooting; aviation sports; motor sports; aggressive roller skating; base jumping; ice skating; bicycle motocross; wingsuit, aeronautics / hot air ballooning; rowing slalom; diving; downhill; hang gliding; canyoning; kayaking; Horseback Riding; mountain bike; motor sports; hunting; paragliding; parachuting; gliding sports; rafting; rope jumping; luge sports; sky surfing; horse racing; slalom; alloy; sports tourism (passage of routes, including overcoming obstacles in the natural environment (roads and trails with various surfaces and off-road, crossings, passes, rapids, canyons, caves, etc.). The duration of the hike is more than 1 day), trekking (duration of a trekking trip is more than 1 days); freeride; freestyle; heliskiing; expeditions; martial arts; diving over 30m. or in the absence of a diving association certificate; all cases of the use of firearms / pneumatic, cold steel and gas weapons; sports car racing / road racing; fisticuffs; parkour / freerunning; paintball; polo; rollerblading; power extreme; speleology; stunt riding; survivalism; and etc.

The events specified in clauses 4.7.-4.9 are not insured events. Section 2 of the Insurance Rules.

II. When insuring baggage, insured events are the loss of entire pieces of Baggage , as well as the loss or damage of Baggage (individual items of Baggage) that occurred during the insurance period and in the territory of the insurance contract and are documented, arising from any reasons other than those listed in cl. 4.7. - 4.10. Section 4 of the Rules.

The loss of entire pieces of Baggage (non-delivery to the destination, loss) is recognized on the basis of a written confirmation of this fact by the carrier. The whole piece is a piece of Baggage accepted for carriage in accordance with the documents issued by the carrier

The Baggage (item of Baggage) is deemed to be lost (destroyed) if the costs of its repair, taking into account wear and tear, together with the residual value, exceed the actual value of the Baggage (item of Baggage). The Insurer has the right to recognize the Baggage (item) as lost on the basis of the documents and information at its disposal on the insured event.

Damaged Baggage shall be deemed to be those things (items) in the Baggage, the structural integrity of which has been violated.

Important! The insurance coverage does not apply to carry-on baggage.

Luggage insurance does not constitute an insured event that is a consequence or result of:

• the influence of temperature, humidity, or special properties and natural qualities of the contents of the Baggage, which may lead to its death or damage (shrinkage, shrinkage, crumbling, leakage, weight gain from soiling or as a result of hygroscopicity of the baggage, rotting, mold formation, spontaneous combustion, explosion and flammability);
• wear, rust, mold, discoloration and other natural changes in the properties of the insured property;
• scratches, peeling of color, other violations of the appearance of the property, which did not cause disruption of its functions;
• damage to property by insects and rodents, unless otherwise provided directly by the insurance contract;
• transportation of food products, dyes, chemicals or their spill (leakage) during transportation;
• explosion of batteries (accumulators, batteries, etc.) or their leakage in the Insured Baggage;
• carriage in the Insured Baggage of piercing and cutting objects, including those with a sharp cutting edge (glass fragments, ceramics, knives, household tools, etc.);
• violation by the Insured (the Policyholder, the Beneficiary) of the rules for the carriage of Baggage or the prohibition of the carrier to carry certain Baggage.

Also, events that have occurred are not insured events:

• when the Insured (Policyholder, Beneficiary) or other interested third parties commit illegal actions that are in direct causal connection with the occurrence of an insured event;
• when the Insured (Insured, Beneficiary) or other interested third parties commit deliberate actions that are in direct causal connection with the occurrence of an insured event

Are not insured events:

• contamination of the Baggage or its wetting, which did not cause irreversible damage to its properties and / or functions;
• cases of loss of individual items of Baggage, determined by the presence of a difference in weight between the delivered to the carrier and the whole piece of Baggage received from him;
• cases when the Policyholder (Insured) or the Beneficiary has not received documentary confirmation from the carrier about the fact of an accident with Baggage, in connection with which an insured event is reported to the Insurer;
• the occurrence of indirect costs related to the receipt of Baggage (customs duties, fines, penalties), unless otherwise specified in the insurance contract (policy).

Insurance (liability of the Insurer) does not apply to the following items in the Baggage, and the Insurer does not make insurance payments for them:
• cash in Russian and foreign currency, securities, discount and other bank cards;
• antiques and unique items, works of art and collection items;
• travel documents, passport and any kind of documents, slides, photographs, film copies;
• items handed over to the carrier in violation of the rules of carriage and / or prohibited for carriage;
• information on electronic media;
• manuscripts, plans, diagrams, drawings, models, accounting and business papers;
• glassware, ceramics, porcelain;
• paper, cardboard, wood, plastic / cellophane and similar packaging (wrapping);
• contact lenses, glasses;
• animals, insects, plants and seeds, corals, sponges, shells and mushrooms;
• religious objects, musical instruments;
• any free-flowing fractions (sand, flour, seeds, granules, etc.).

For the following items, the Insurer does not make payments:

• items that are part of the sets (sets, collections, construction sets, board games) undamaged during transportation, including undamaged parts of any items disassembled into their component parts for transportation;

This limitation does not apply to items of clothing and footwear sold exclusively in pairs and constituting a single set with non-interchangeable right and left parts (shoes, gloves, socks, knee socks, leggings, pair sports protection for hands and feet) - in case of total damage to one item from of such a set, the Insurer has the right to compensate, depending on the terms of payments under the concluded insurance contract, the cost of the set or make a payment based on the weight of the set.

In respect of the following items that were in the Baggage, the Insurer does not make payments in the amount of their actual value (face value), regardless of the possibility of its documentary confirmation:

• jewelry (items made of precious metals, precious and semi-precious stones), items of folk art and handicrafts;
• food, liquids, tobacco, alcoholic beverages;
• portable (portable) electronics and optics, including audio, photo, video equipment, mobile and satellite phones, computers, radio tape recorders, radios, etc., electronic storage media, lenses of photo and video cameras, telescopes, microscopes, devices night vision, optical sights, binoculars, binoculars, monoculars, etc. and any affiliation to them, unless otherwise expressly stated in the insurance contract (policy);
• batteries (accumulators, batteries, etc.);
• any types of prostheses.

III. Expenses for the restoration of documents - expenses for processing an identity document, the loss of which prevents the continuation of the trip and / or return to the place of permanent residence of the Insured (consular fees, state fees, expenses for photographs for questionnaires, etc.).

IV. Accident insurance and insurance risks are:

• “Trauma as a result of an accident” - an injury (bodily injury) resulting in injury to health, received by the Insured during the insurance period as a result of an accident that occurred during the insurance period;
• "Disability as a result of an accident" - the establishment of the Insured of I, II, III groups of disability as a result of an accident that occurred during the insurance period, which occurred during the insurance period or one year after the occurrence of this accident / establishment of the Insured child (under the age of 18 years) of the category "disabled child" as a result of an accident that occurred during the insurance period, occurred during the insurance period or one year after the occurrence of this Accident;
• "Death as a result of an accident" - the death of the Insured as a result of an Accident that occurred during the insurance period, occurred during the insurance period or within one year after the occurrence of this Accident.

ACCIDENT - a sudden physical impact of various external factors (mechanical, thermal, chemical, etc.) on the body of the Insured that occurred during the insurance period, which occurred against the will of the Insured and led to harm to health - to bodily injury, violations of the physiological functions of the Insured's body or his death. Accidents, for example, include: attack by intruders or animals (including insects, reptiles and other animals), falling of an object on the Insured, falling of the Insured himself, sudden suffocation, sudden poisoning with harmful products or substances, injuries caused by the movement of means of transport or during their accident, when using machines, mechanisms, production tools and all kinds of tools, and others. Also, accidents include the impact of external factors: explosion, burns, frostbite, drowning, electric current, lightning strike and other external influences. The above events that occurred due to illness, as well as death due to natural causes, as well as events that did not lead to harm to health, are not an accident.

CAUSING HARMFUL HEALTH - a violation of the integrity of the body, which caused Harm to health, dangerous to human life, which by its nature directly poses a threat to life, as well as harm to health that caused the development of a life-threatening condition. The source of determining the severity of harm to health, as well as the presence of harm itself, if this is not specifically defined by these Rules, as well as by the insurance contract, are the medical criteria for qualifying signs of the severity of harm to health, established by the Ministry of Health and Social Development of the Russian Federation, as amended the moment of occurrence of the insured event.

The events specified in clause 4.4 are not insured events. Section 1 of the Insurance Rules

Insurance period (period of the Insurer's liability):

• for insurance against accidents - from the moment the Insured person arrives at the airport of departure and until the moment the Insured leaves the airport of arrival;
• for baggage insurance - from the moment the carrier accepts the baggage for carriage and until the carrier picks up the baggage;
• for insurance of medical expenses - for the period of transportation "there", stay on the trip and transportation "back";
• costs of restoring documents - from the moment of the conclusion of the insurance contract until the end of the carriage on the latest flight specified in the insurance contract (policy)

The term of the insurance contract is established as follows:

• for outbound flights and difficult one-way routes - 7 days from the date of departure (inclusive) of the earliest flight indicated in the itinerary receipt of the Insured's e-ticket;
• for outbound and return flights - the period between the outbound departure date and the planned end of the return flight (including both dates).

15 (fifteen) calendar days are added to the expiry date of the policy, in the territory of which the Schengen country is included, (in accordance with the requirements for the issuance of entry visas by the Consulates of the Schengen countries), but without increasing the total insurance period (the period of the Insurer's liability ) expressed in days.

For the policy, the territory of which includes Finland, in accordance with the requirements for the issuance of entry visas by the Consulate General of Finland:

• the start date of the policy is the date the policy was issued (the date of payment of the insurance premium);
• for outbound and return flights, 15 (fifteen) calendar days are additionally added to the expiration date of the policy, but without increasing the total insurance period (the period of the Insurer's liability), expressed in days

The procedure for making insurance payment (insurance compensation) for the risks (insured events) specified in this offer, including the list of documents that must be submitted in the event of an event that has signs of an insured event, are defined in the sections of the Insurance Rules corresponding to the specified risks (insurance cases), as well as in the Sections "Rights and obligations of the parties" and "The procedure for making insurance payments in the event of death of the insured"

This offer to purchase the service on the specified conditions and in accordance with the Insurance Rules is a public offer of the Insurer to conclude an insurance contract with the Insured in accordance with Article 435 of the Civil Code of the Russian Federation. Acceptance of the offer of the Insurer in accordance with Art. 438 of the Civil Code of the Russian Federation is the receipt of the insurance premium included in the total cost of the order of the air ticket and additional services under the concluded insurance contract to the current account of the Insurer or his representative

By accepting this public offer, the Policyholder also confirms that:

• The Policyholder (Insured) is familiar with the Insurance Rules and agrees, and has received the text of the Insurance Rules;
• The Policyholder agrees to the use by the Insurer of the facsimile reproduction of the Insurer's signature and seal in the insurance policy;
• The Policyholder agrees with the currency exchange rate applied by the Insurer for the purpose of concluding and executing under the concluded insurance contract (see above);
• The Policyholder (Insured) agrees to the processing by the Insurer and third parties authorized by him of the personal data specified in the insurance contract (as well as other personal data received by the Insurer when executing the insurance contract), including special categories of personal data, by any means established by law, including collection, systematization, accumulation, storage, clarification (update, change), use, distribution (including transfer), depersonalization, blocking, destruction of personal data both on paper and electronic media, in order to fulfill the concluded agreement insurance, as well as informing the Policyholder (Insured) about insurance programs, the duration of the concluded insurance contract and other purposes. This consent is valid for the entire period of validity of the concluded insurance contract and for five years after the expiration of the insurance contract and can be revoked at any time by transmitting to the Insurer a written notice signed by the subject of personal data
• The Policyholder (Insured) has read the Policy of the Insurer regarding the processing of personal data posted at: https://www.alfastrah.ru/docs/Politika_pd.pdf and agrees with it.

The conclusion of an insurance contract is not a prerequisite for the conclusion of a carriage contract (purchase of an air ticket).

Change and termination of the insurance contract:
In case of refusal of the Policyholder (Insured) from carriage before the start of carriage “there” (full refund of the ticket), the insurance contract is subject to termination with a refund of the insurance premium in the amount of 100%. In this case, the parties do not draw up additional documents, the basis for termination of the insurance contract is the fact of termination of the carriage contract. In case of termination of the insurance contract later than the date and time of the earliest flight specified in the insurance contract, the insurance premium is refunded in proportion to the duration of the insurance contract, minus the costs of running the Insurer's business.

With an increase in the total duration of the trip, the insurance contract is not subject to change and is valid only during the periods indicated in it and in relation to the segments of transportation indicated in it. The insurance contract can be terminated on the basis of a written application from the Policyholder sent to the Insurer at the address below. (To clarify the possibility of making changes to the insurance contract, contact the Insurer at pass@alfastrah.ru or leave a question in the web feedback form at the link " https://www.alfastrah.ru/ask/ " in the section "Passenger insurance during transportation / flights ".)

Cancellation of the concluded insurance contract at the request of the Policyholder (not due to cancellation of carriage ) is made on the basis of the Policyholder's application .
In this case, the completed and signed application for termination of the insurance contract must be sent to the Ural Airlines by e-mail help@u6.ru .
Attention! The insurance premium is refunded upon termination of the insurance contract in the same way that the payment for the air ticket and insurance premium was previously made.

AlfaStrakhovanie JSC
License SL No. 2239, SI No. 2239
115162, Moscow, st. Shabolovka, 31, building B
Tel. / fax: 8 800 333 0 999 (free within the Russian Federation)
www.alfastrah.ru
pass@alfastrah.ru

Yekaterinburg branch of AlfaStrakhovanie JSC
620075, Yekaterinburg, st. Malysheva, 42
Tel. / fax: +7 (343) 287-0-287
info@ektrb.alfastrah.ru

Insurer AlfaStrakhovanie OJSC in accordance with Art. 435 of the Civil Code of the Russian Federation invites you to conclude an insurance contract in accordance with the "Rules for Combined Passenger Insurance" (hereinafter - the Insurance Rules, the text of the Extracts from the Rules ) on the conditions below.

The insurance policy in confirmation of the conclusion of the insurance contract will be generated by the AlfaStrakhovanie online system in electronic form (file with the extension .pdf).
Files containing insurance policies (separate for each of the insured passengers) and Extracts from the insurance rules will be sent after payment for the order with the insurance service turned on at the email address specified during booking. The received insurance policies must be printed out independently, or contact AlfaStrakhovanie office for the printout at the address below.

An insured person in case of accident insurance, combined insurance of medical expenses of passengers, insurance of passengers in case of impossibility to make a trip is considered to be a passenger making a flight in favor of whom an insurance contract has been concluded (an additional service has been purchased) and the data of which are indicated in the itinerary receipt of the electronic ticket and insurance policy.

The Policyholder under the insurance contract being concluded is the Insured (or his legal representative in case the Insured is an incapable individual). The policyholder provides for the payment of the insurance premium under the insurance contract concluded when booking and paying for the ticket on the website of Ural Airlines .

The objects of insurance are:

• insurance of passengers in case of impossibility to make a trip - property interests of the Insured related to unforeseen expenses arising from the inability to make a planned trip by the Insured;
• Passenger baggage insurance - the property interests of the Insured (Beneficiary) related to the possession, use, disposal of his Baggage;
• for baggage delay insurance - the property interests of the Policyholder (Beneficiary) associated with additional costs during transportation and during a trip.

Insurance risks and the amount of insurance amounts:

Insurance premium¹ (policy cost) depends on the duration of the trip:

¹ The insurance premium is indicated for persons under the age of 75 (on the date of conclusion of the insurance contract). The total insurance premium may be increased for persons aged 75 years to 80 years. Insurance does not cover events that occurred with people over 80 years old, as well as events that occurred with people of any age, in the process and which was the result of outdoor activities / sports.

The sizes of the insurance premium for one and each Insured in Russian rubles are indicated. In relation to the insurance contract, depending on the insurance period, a fixed rate of 60 RUR for 1 EUR is applied to calculate the amount of insurance premiums, insurance amounts and payments

* TRIP TERRITORY - a territory that meets at least one of the following signs: - the territory to which the insured has arrived from the place of residence on the flight; - the shortest distance from which by public roads to the place of residence of the Insured is more than 300km.

Medical expenses insurance is carried out on the basis of the MP “Ride Comfort” program of the Insurance Rules and includes the following insurance risks:

• Costs of treatment and medication - expenses for: outpatient treatment (including calling a doctor); hospital stay and treatment (including surgical expenses), for diagnostic tests, procedures and hospital services; the cost of medications (including dressings) prescribed by the doctor for the purpose of emergency care, the cost of renting crutches, wheelchairs and other items of medical equipment and auxiliary equipment, if these funds are provided as directed by the attending physician.
• Dental expenses - expenses for dental care if it is necessary due to an accident or acute toothache. The limit of liability for this risk is equivalent. 300 EUR.
• Transportation costs - the costs of transporting the Insured to one of the nearest medical institutions or to a doctor (including the costs of transporting the Insured to another medical institution strictly for medical reasons or with the prior consent of the Insurer or the Service); transportation costs (including taxis) from a medical institution to the place of residence during a trip (once for each insured event).
• Transportation costs to the place of residence - transportation costs of the Insured strictly in accordance with a medical prescription and subject to the consent of the Insurer or the Service (including expenses for an accompanying person, if such escort is also prescribed by a doctor) by plane (economy class), by train (excluding CB tickets - a compartment of increased comfort), another adequate vehicle to the nearest to the place of permanent residence or place of registration of the station or airport (for foreign trips - to the nearest its international airport or train station), which is a direct air / rail connections. The liability limit for this risk is the equivalent of 400 EUR.
• Evacuation costs - the costs of evacuation traveling together with the Insured, left unattended by an ill adult, on a one-way trip by plane (economy class) or by train (excluding CB tickets - a luxury compartment) to the nearest station or airport (for foreign trips - to the nearest international station or airport), and further to the place of permanent residence of children under 18 years of age who are with the Insured during a trip, if the children stay were unaccompanied as a result of an insured event that happened to the Insured. If necessary, the Insurer organizes escort of children and pays the cost of travel by plane (economy class) or train (excluding tickets CB - coupe superior) one accompanying person. The liability limit for this risk is the equivalent of 2,000 EUR.
• Expenses for an urgent visit of a third party in an emergency - expenses, strictly according to the doctor’s medical prescription, for round-trip travel by plane (economy class) or by train (excluding CB tickets - a luxury compartment) from the country of permanent residence and back of one close relative of the Insured, if the insured traveled alone
• Living expenses of an accompanying person - living expenses of one person traveling together with the Insured in case of hospitalization of the Insured as a result of an insured event, based on no more than 0.2% of the sum insured for this risk per day.

The aggregate limit of liability for risks “Expenses for accommodation of an accompanying person” and “Expenses for an urgent visit of a third party in an emergency” is the equivalent of 2,000 EUR.

• Repatriation costs of the body (remains) - expenses associated with the repatriation of the body (remains) of the Insured to the nearest international airport or railway station with which there is direct air / rail communication, including expenses for all necessary measures on the organization of repatriation of the body of the Insured. The insurer does not reimburse the costs of funeral services and burial. The limit of liability for this risk is the equivalent of 7,000 EUR.

Attention! Reimbursement is not subject to medical and other above expenses if:
- they were produced in the country of permanent residence of the Insured.
- they are associated with the treatment of injuries, diseases caused by any sport (as a professional or amateur).

Insurance against inability to make a trip is carried out on the basis of the “NSP” option of the Insurance Rules and includes the following insurance risks:

• “Hospitalization” - an accident or Acute illness of the Insured, his close relatives or another Insured making a joint trip with him, requiring continuous hospital treatment until the start of the trip (inclusive); This event is not recognized as an insured event if the Insured or other persons specified in this clause refuse hospitalization.
• “Injury” - an injury (bodily injury) received by the Insured, his close relative or another Insured, making a joint trip with him, which served as the basis for issuing him a medical order to ban the insured trip.
• Litigation - the inability to make a trip as a result of a trial for the period of the planned trip, in which the Insured participates by a court decision made after payment of the insurance premium under the Insurance Contract.
• Call - the impossibility to make a trip due to the call of the Insured for military service or military training, provided that the Insured has received a notification (summons) after paying the insurance premium under the Insurance Contract.
• Damage to property - inability to make a trip in connection with damage or loss (loss) of the property of the Insured resulting from: fire; water damage from plumbing, sewer, heating systems; natural disasters (earthquakes, landslides, storms, hurricanes, floods, flooding, hail or rain); damage to property of the Insured by third parties.
• “Reduction” - reduction or receipt of official notification of the reduction of the Insured from the main place of work in connection with the reduction of staff, subject to receipt of notice of dismissal after payment of the insurance premium under the Insurance Contract.
• “ Accident ” - a traffic accident involving the Insured that occurred less than 12 hours before the start of the planned trip.
• “Cataclysms” means a natural disaster or natural hazard in the area from which a trip is made or on the territory of the country of a planned trip (flood, fire, earthquake and other natural disasters).
• State of emergency - the introduction of a state of emergency on the territory of a planned trip.
• Refusal of a visa - refusal to issue, non-receipt, including the delay in obtaining, or receiving for an other time from the requested time, an entry visa in respect of a citizen of the Russian Federation, namely, the Spouse and / or their Insured or traveling with him on a joint trip minor children and other Insured traveling together with him / her (subject to the submission of documents for applying for a visa in accordance with the procedure and within the deadlines established by consular offices and the absence of previously received visa refusals to the country / gr PPU countries involves travel for all participants of the trip (unless cancellation of such failure).

When baggage insurance, the Insured (passenger) personal items registered as baggage accepted for carriage with the baggage tag are considered insured. Important! The insurance cover does not apply to carry-on baggage in accordance with these conditions.

Accident insurance insurance risks are:

• “Disability” - the Insured is assigned to the Insured I, II, III disability group as a result of an accident occurring during the insurance period that occurred during the insurance period or one year after the accident / the Insured child (under the age of 18 years) is assigned the category “ disabled child ”as a result of an accident occurring during the insurance period that occurred during the insurance period or one year after the occurrence of this accident;
• “Death” - the death of the Insured as a result of an Accident that occurred during the insurance period, occurring during the insurance period or within one year after the occurrence of this Accident

Duration of insurance (period of liability of the Insurer):

• accident insurance - from the moment of arrival at the airport of departure when transporting “there”, for the entire duration of the trip and until the exit from the airport of arrival when transporting “back”;
• for baggage insurance - from the moment the carrier accepts the baggage for carriage until the baggage carrier issues the baggage;
• for medical expenses insurance - for the period of transportation “there”, staying on a trip and transportation “back”;
• insurance of passengers in case of impossibility to make a trip - from the moment of conclusion of the insurance contract, but not less than 10 days before the date of the planned trip, and until the start of transportation “there”;
• for baggage delay insurance - for the term of transportation “there”.

Validity of the insurance contract:

• for “there” flights - 5 days from the date of departure (inclusive) of the earliest of flights indicated in the itinerary of the electronic ticket of the Insured;
• for round-trip flights - the period between the date of departure “there” and the date of actual completion of the flight “back” (including both dates).

This offer to purchase the service on the specified conditions and in accordance with the Insurance Rules is a public offer of the Insurer to conclude an insurance contract with the Policyholder in accordance with Article 435 of the Civil Code of the Russian Federation. Acceptance of the Insurer's offer is the receipt of the ticket included in the total cost of the ticket and additional insurance premium services under the insurance contract entered into the account of the Insurer or its representative.

By accepting this public offer, the Policyholder also confirms that:

• The Policyholder (Insured) has been familiarized with the Insurance Rules (s) and agrees (we), the text of the Rules has been received (s);
• The Policyholder agrees to the use by the Insurer of facsimile reproduction of the signature and seal of the Insurer in the insurance policy;
• The Policyholder agrees with that used by the Insurer in order to calculate the size of the insurance premium under the insurance contract concluded at the exchange rate (see above);
• The Policyholder (Insured) agrees (we) to the processing by the Insurer and third parties authorized by him of the personal data specified in the insurance contract (as well as other personal information received by the Insurer in the performance of the insurance contract), including special categories of personal data, by any means established by law, including collection, systematization, accumulation, storage, clarification (updating, changing), use, distribution (including transfer), depersonalization, blocking, destruction of personal data both on paper and on electronic media, for the purpose of fulfilling the concluded insurance contract, as well as informing the Insured (Insured) about insurance programs, the validity period of the concluded insurance contract and other purposes. This consent is valid for the entire period of validity of the concluded insurance contract and for five years after the expiration of the insurance contract and can be revoked at any time by sending the Insurer a written notice signed by the subject of personal data.

The conclusion of an insurance contract is not a prerequisite for concluding a contract of carriage (purchase of an air ticket).

In case of refusal of the Policyholder (the Insured) from transportation prior to the start of transportation “there” (full ticket refund), the insurance contract is subject to termination with the return of the insurance premium in the amount of 100%. In this case, the parties do not draw up additional documents, the basis for terminating the insurance contract is the fact of termination of the contract of carriage.

With an increase in the total duration of the trip, the insurance contract is not subject to change and is valid only for the dates and flights indicated in it.

The insurance contract may be terminated on the basis of a written application from the Insured sent to the Insurer at the address below. In this case, the insurance premium is refunded in proportion to the term of the insurance contract minus the costs of conducting the business of the Insurer.

Attention! The insurance premium is refunded upon termination of the insurance contract in the same way that the ticket and the insurance premium were paid earlier.

Alfa Insurance OJSC
License C No. 2239 77
115162, Moscow, st. Shabolovka, d.31, p. B
Tel / fax: 8 800 333 0 999 (free in the Russian Federation)
Compulsory Insurance Contract No. 4394Z / 372/13969/4 of November 13, 2014
www.alfastrah.ru
alfastrah@alfastrah.ru

Insurer AlfaStrakhovanie OJSC in accordance with Art. 435 of the Civil Code of the Russian Federation invites you to conclude an insurance contract in accordance with the Insurance Rules (hereinafter - the Insurance Rules, the text of the Extracts from the Rules ) on the following conditions.

The insurance policy in confirmation of the conclusion of the insurance contract will be generated by the AlfaStrakhovanie online system in electronic form (file with the extension .pdf).
Files containing insurance policies (separate for each of the insured passengers) and Extracts from the insurance rules will be sent after payment for the order with the insurance service turned on at the email address specified during booking. The received insurance policies must be printed out independently, or contact AlfaStrakhovanie office for the printout at the address below.

An insured person in case of accident insurance, combined insurance of medical expenses of passengers, insurance of passengers in case of impossibility to make a trip is considered to be a passenger making a flight in favor of whom an insurance contract has been concluded (an additional service has been purchased) and the data of which are indicated in the itinerary receipt of the electronic ticket and insurance policy.

The Policyholder under the insurance contract being concluded is the Insured (or his legal representative in case the Insured is an incapable individual). The policyholder provides for the payment of the insurance premium under the insurance contract concluded when booking and paying for the ticket on the website of Ural Airlines .

The objects of insurance are:

• insurance of passengers in case of impossibility to make a trip - property interests of the Insured related to unforeseen expenses arising from the inability to make a planned trip by the Insured;
• Passenger baggage insurance - the property interests of the Insured (Beneficiary) related to the possession, use, disposal of his Baggage;
• for baggage delay insurance - the property interests of the Policyholder (Beneficiary) associated with additional costs during transportation and during a trip.

Insurance risks and the amount of insurance amounts:

Insurance premium¹ (policy cost) depends on the duration of the trip:

¹ The insurance premium is indicated for persons under the age of 75 (on the date of conclusion of the insurance contract). The total insurance premium may be increased for persons aged 75 years to 80 years. Insurance does not cover events that occurred with people over 80 years old, as well as events that occurred with people of any age, in the process and which was the result of outdoor activities / sports.

The sizes of the insurance premium for one and each Insured in Russian rubles are indicated. In relation to the insurance contract, depending on the insurance period, a fixed rate of 60 RUR for 1 EUR is applied to calculate the amount of insurance premiums, insurance amounts and payments

* TRIP TERRITORY - a territory that meets at least one of the following signs: - the territory to which the insured has arrived from the place of residence on the flight; - the shortest distance from which by public roads to the place of residence of the Insured is more than 300km.

Medical expenses insurance is carried out on the basis of the MP “Ride Comfort” program of the Insurance Rules and includes the following insurance risks:

• Costs of treatment and medication - expenses for: outpatient treatment (including calling a doctor); hospital stay and treatment (including surgical expenses), for diagnostic tests, procedures and hospital services; the cost of medications (including dressings) prescribed by the doctor for the purpose of emergency care, the cost of renting crutches, wheelchairs and other items of medical equipment and auxiliary equipment, if these funds are provided as directed by the attending physician.
• Dental expenses - expenses for dental care if it is necessary due to an accident or acute toothache. The limit of liability for this risk is equivalent. 200 EUR.
• Transportation costs - the costs of transporting the Insured to one of the nearest medical institutions or to a doctor (including the costs of transporting the Insured to another medical institution strictly for medical reasons or with the prior consent of the Insurer or the Service); transportation costs (including taxis) from a medical institution to the place of residence during a trip (once for each insured event).
• Transportation costs to the place of residence - transportation costs of the Insured strictly in accordance with a medical prescription and subject to the consent of the Insurer or the Service (including expenses for an accompanying person, if such escort is also prescribed by a doctor) by plane (economy class), by train (excluding CB tickets - a compartment of increased comfort), another adequate vehicle to the nearest to the place of permanent residence or place of registration of the station or airport (for foreign trips - to the nearest its international airport or train station), which is a direct air / rail connections. The liability limit for this risk is the equivalent of 300 EUR.
• Evacuation costs - the costs of evacuation traveling together with the Insured, left unattended by an ill adult, on a one-way trip by plane (economy class) or by train (excluding CB tickets - a luxury compartment) to the nearest station or airport (for foreign trips - to the nearest international station or airport), and further to the place of permanent residence of children under 18 years of age who are with the Insured during a trip, if the children stay were unaccompanied as a result of an insured event that happened to the Insured. If necessary, the Insurer organizes escort of children and pays the cost of travel by plane (economy class) or train (excluding tickets CB - coupe superior) one accompanying person. The limit of liability for this risk is the equivalent of 1,000 EUR.
• Expenses for an urgent visit of a third party in an emergency - expenses, strictly according to the doctor’s medical prescription, for round-trip travel by plane (economy class) or by train (excluding CB tickets - a luxury compartment) from the country of permanent residence and back of one close relative of the Insured, if the insured traveled alone
• Living expenses of an accompanying person - living expenses of one person traveling together with the Insured in case of hospitalization of the Insured as a result of an insured event, based on no more than 0.2% of the sum insured for this risk per day.

The aggregate limit of liability for risks “Expenses for accommodation of an accompanying person” and “Expenses for an urgent visit of a third party in an emergency” is the equivalent of 1,000 EUR.

• Repatriation costs of the body (remains) - expenses associated with the repatriation of the body (remains) of the Insured to the nearest international airport or railway station with which there is direct air / rail communication, including expenses for all necessary measures on the organization of repatriation of the body of the Insured. The insurer does not reimburse the costs of funeral services and burial. The liability limit for this risk is the equivalent of 4,000 EUR.

Attention! Reimbursement is not subject to medical and other above expenses if:
- they were produced in the country of permanent residence of the Insured.
- they are associated with the treatment of injuries, diseases caused by any sport (as a professional or amateur).

Insurance against inability to make a trip is carried out on the basis of the “NSP” option of the Insurance Rules and includes the following insurance risks:

• “Hospitalization” - an accident or Acute illness of the Insured, his close relatives or another Insured making a joint trip with him, requiring continuous hospital treatment until the start of the trip (inclusive); This event is not recognized as an insured event if the Insured or other persons specified in this clause refuse hospitalization.
• “Injury” - an injury (bodily injury) received by the Insured, his close relative or another Insured, making a joint trip with him, which served as the basis for issuing him a medical order to ban the insured trip.
• Litigation - the inability to make a trip as a result of a trial for the period of the planned trip, in which the Insured participates by a court decision made after payment of the insurance premium under the Insurance Contract.
• Call - the impossibility to make a trip due to the call of the Insured for military service or military training, provided that the Insured has received a notification (summons) after paying the insurance premium under the Insurance Contract.
• Damage to property - inability to make a trip in connection with damage or loss (loss) of the property of the Insured resulting from: fire; water damage from plumbing, sewer, heating systems; natural disasters (earthquakes, landslides, storms, hurricanes, floods, flooding, hail or rain); damage to property of the Insured by third parties.
• “Reduction” - reduction or receipt of official notification of the reduction of the Insured from the main place of work in connection with the reduction of staff, subject to receipt of notice of dismissal after payment of the insurance premium under the Insurance Contract.
• “ Accident ” - a traffic accident involving the Insured that occurred less than 12 hours before the start of the planned trip.
• “Cataclysms” means a natural disaster or natural hazard in the area from which a trip is made or on the territory of the country of a planned trip (flood, fire, earthquake and other natural disasters).
• State of emergency - the introduction of a state of emergency on the territory of a planned trip.

When baggage insurance, the Insured (passenger) personal items registered as baggage accepted for carriage with the baggage tag are considered insured. Important! The insurance cover does not apply to carry-on baggage in accordance with these conditions.

Accident insurance insurance risks are:

• “Disability” - the Insured is assigned to the Insured I, II, III disability group as a result of an accident occurring during the insurance period that occurred during the insurance period or one year after the accident / the Insured child (under the age of 18 years) is assigned the category “ disabled child ”as a result of an accident occurring during the insurance period that occurred during the insurance period or one year after the occurrence of this accident;
• “Death” - the death of the Insured as a result of an Accident that occurred during the insurance period, occurring during the insurance period or within one year after the occurrence of this Accident

Duration of insurance (period of liability of the Insurer):

• accident insurance - from the moment of arrival at the airport of departure when transporting “there”, for the entire duration of the trip and until the exit from the airport of arrival when transporting “back”;
• for baggage insurance - from the moment the carrier accepts the baggage for carriage until the baggage carrier issues the baggage;
• for medical expenses insurance - for the period of transportation “there”, staying on a trip and transportation “back”;
• insurance of passengers in case of impossibility to make a trip - from the moment of conclusion of the insurance contract, but not less than 10 days before the date of the planned trip, and until the start of transportation “there”;
• for baggage delay insurance - for the term of transportation “there”.

Validity of the insurance contract:

• for “there” flights - 5 days from the date of departure (inclusive) of the earliest of flights indicated in the itinerary of the electronic ticket of the Insured;
• for round-trip flights - the period between the date of departure “there” and the date of actual completion of the flight “back” (including both dates).

This offer to purchase the service on the specified conditions and in accordance with the Insurance Rules is a public offer of the Insurer to conclude an insurance contract with the Policyholder in accordance with Article 435 of the Civil Code of the Russian Federation. Acceptance of the Insurer's offer is the receipt of the ticket included in the total cost of the ticket and additional insurance premium services under the insurance contract entered into the account of the Insurer or its representative.

By accepting this public offer, the Policyholder also confirms that:

• The Policyholder (Insured) has been familiarized with the Insurance Rules (s) and agrees (we), the text of the Rules has been received (s);
• The Policyholder agrees to the use by the Insurer of facsimile reproduction of the signature and seal of the Insurer in the insurance policy;
• The Policyholder agrees with that used by the Insurer in order to calculate the size of the insurance premium under the insurance contract concluded at the exchange rate (see above);
• The Policyholder (Insured) agrees (we) to the processing by the Insurer and third parties authorized by him of the personal data specified in the insurance contract (as well as other personal information received by the Insurer in the performance of the insurance contract), including special categories of personal data, by any means established by law, including collection, systematization, accumulation, storage, clarification (updating, changing), use, distribution (including transfer), depersonalization, blocking, destruction of personal data both on paper and on electronic media, for the purpose of fulfilling the concluded insurance contract, as well as informing the Insured (Insured) about insurance programs, the validity period of the concluded insurance contract and other purposes. This consent is valid for the entire period of validity of the concluded insurance contract and for five years after the expiration of the insurance contract and can be revoked at any time by sending the Insurer a written notice signed by the subject of personal data.

The conclusion of an insurance contract is not a prerequisite for concluding a contract of carriage (purchase of an air ticket).

In case of refusal of the Policyholder (the Insured) from transportation prior to the start of transportation “there” (full ticket refund), the insurance contract is subject to termination with the return of the insurance premium in the amount of 100%. In this case, the parties do not draw up additional documents, the basis for terminating the insurance contract is the fact of termination of the contract of carriage.

With an increase in the total duration of the trip, the insurance contract is not subject to change and is valid only for the dates and flights indicated in it.

The insurance contract may be terminated on the basis of a written application from the Insured sent to the Insurer at the address below. In this case, the insurance premium is refunded in proportion to the term of the insurance contract minus the costs of conducting the business of the Insurer.

Attention! The insurance premium is refunded upon termination of the insurance contract in the same way that the ticket and the insurance premium were paid earlier.

Alfa Insurance OJSC
License C No. 2239 77
115162, Moscow, st. Shabolovka, d.31, p. B
Tel / fax: 8 800 333 0 999 (free in the Russian Federation)
Compulsory Insurance Contract No. 4394Z / 372/13969/4 of November 13, 2014
www.alfastrah.ru
alfastrah@alfastrah.ru