About Insurance

Original Language Title: О страховании

Read the untranslated law here: http://pravo.gov.ru/proxy/ips/?doc_itself=&infostr=x&backlink=1&fulltext=1&nd=102019955


 
 
 
                            W a c o n RUSSIAN FEDERATION about the Organization of insurance business in the Russianfederation (name Federal law N 157-FZ of December 31, 1997-collection of laws of the Russian Federation, 1998, N 1, p. 4) (in red.  Federal law dated December 31, 1997  N 157-FZ-collection of laws of the Russian Federation, 1998, N 1, art. 4;
Federal law dated November 20, 1999  N 204-FZ-collection of laws of the Russian Federation, 1999, no. 47, art. 5622;
Federal law dated March 21, 2002  N 31-FZ-collection of laws of the Russian Federation, 2002, N 12, art. 1093;
Federal law dated April 25, 2002  N 41-FZ-collection of laws of the Russian Federation, 2002, no. 18, art. 1721;
Federal law dated December 8, 2003  N 169-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4855;
Federal law dated December 10, 2003 N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art.   4858;
Federal law dated July 20, 2004  N 67-FZ-collection of laws of the Russian Federation, 2004, no. 30, art. 3085;
Federal law dated March 7, 2005  N 12-FZ-collection of laws of the Russian Federation, 2005, N 10, art.  760;
Federal law dated July 18, 2005  N 90-FZ-collection of laws of the Russian Federation, 2005, N 30, art. 3101;
Federal law dated July 21, 2005 N 104-FZ-collection of laws of the Russian Federation, 2005, N 30, art. 3115;
Federal law dated May 17, 2007  N 83-FZ-collection of laws of the Russian Federation, 2007, N 22, art. 2563;
Federal law dated November 8, 2007 N 256-FZ-collection of laws of the Russian Federation, 2007, no. 46, item.  5552;
Federal law dated November 29, 2007 N 287-FZ-collection of laws of the Russian Federation, 2007, no. 49, St.   6048;
Federal law dated October 30, 2009 N 243-FZ-collection of laws of the Russian Federation, 2009, no. 44, art.   5172;
Federal law dated April 22, 2010  N 65-FZ-collection of laws of the Russian Federation, 2010, N 17, art. 1988;
Federal law dated July 27, 2010 N 226-FZ-collection of laws of the Russian Federation, 2010, N 31, art. 4195;
Federal law dated November 29, 2010 313 N-FZ-collection of laws of the Russian Federation, 2010, no. 49, St. 6409;
Federal law dated July 18, 2011 N 236-FZ-collection of laws of the Russian Federation, 2011, N 30, art.  4584;
Federal law dated November 30, 2011 N 362-FZ-collection of laws of the Russian Federation, 2011, N, 49, St.  7040;
Federal law dated December 25, 2012  N 267-FZ-collection of laws of the Russian Federation, 2012, N 53, art. 7592;
Federal law dated June 28, 2013 N 134-FZ-collection of laws of the Russian Federation, 2013, N 26, art.  3207;
Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art.  4067;
Federal law dated June 4, 2014  N 149-FZ-collection of laws of the Russian Federation, 2014, N 23, art. 2934;
Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art.  4224;
Federal law dated November 4, 2014  N 344-FZ-collection of laws of the Russian Federation, 2014, (N) 45, St. 6154;
Federal law dated March 8, 2015  N 39-FZ-collection of laws of the Russian Federation, 2015, N 10, art. 1409;
Federal law dated June 29, 2015 N 155-F3-collection of laws of the Russian Federation, 2015, N 27, art.  3946;
Federal law dated June 29, 2015 N 210-FZ-collection of laws of the Russian Federation, 2015, N 27, art. 4001;
Federal law dated July 13, 2015 N 231-FZ-collection of laws of the Russian Federation, 2015, N 29, art.  4357;
Federal law dated July 13, 2015 N 259-FL-collection of laws of the Russian Federation, 2015, N 29, art. 4385;
Federal law dated November 28, 2015 N 349-FZ-collection of laws of the Russian Federation, 2015, N 48, art. 6715) Chapter i. General provisions article 1. Relations regulated by this Law 1. This law governs the relations between persons engaged in activities in the field of insurance, or have attended, a relationship on the exercise of supervision over the activities of entities of the insurance business, as well as other relations related to the Organization of insurance business (as restated by federal law 23iûlâ, 2013.  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067). 2. The relationships referred to in paragraph 1 of this article, are also regulated by federal laws and regulations of the Central Bank of the Russian Federation (hereinafter referred to as the BankRossii), and in the cases provided for by federal laws enacted in accordance with normative legal acts of the Russian Federation (hereinafter referred to as the normative legal acts) (in red.  Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). 3. For the purposes of this Act, federal laws, other regulations and normative acts of the Bank of Russia, envisaged in paragraphs 1 and 2 of this article, âvlâûtsâsostavnoj part of the strahovogozakonodatel′stva (in red.  Federal′nogozakona of July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). 4. Effect of nastoâŝegoZakona covers the relations for compulsory insurance in the legal framework regulating these relations.
     5. effects of nastoâŝegoZakona does not apply to relationships for compulsory insurance of deposits in banks, as well as on the relationship postrahovaniû of export credits and investments from entrepreneurial and (or) political risks, in accordance with the Federal law of May 17, 2007 year N 82-FZ "on the Development Bank" (para 5 was introduced by the Federal law dated 2nd septembrie, 2004.  N 67-FZ-Sobraniezakonodatel′stva of the Russian Federation, 2004, no. 30, art.  3085; in red.  Federal law dated 18iûlâ 2011 N 236-FZ-Sobraniezakonodatel′stva Russian Federation, 2011, N 30, art. 4584). 6. NastoâŝegoZakona action applies to insurance organizations conducting mandatory health insurance, taking into account the peculiarities stipulated by the Federal law "on compulsory health insurance in the Russian Federation" (paragraph 6 was introduced by the Federal law of November 29, 2010  N 313-FZ-zakonodatel′stvaRossijskoj Federation, Meeting 2010, N 49, St.
6409). (section 1 in red.  Federal law dated December 10, 2003  N 172-FZ-Sobraniezakonodatel′stva Russian Federation, 2003, no. 50, art. 4858) article 2. Istrahovaâ insurance activities (strahovoedelo) 1. Insurance-relationship to protect interesovfizičeskih and legal entities of the Russian Federation, constituent entities of the Russian Federation and municipal′nyhobrazovanij upon the occurrence of certain insurance cases through funds generated from premiums paid by insurers (premiums), as well as from other funds of insurers.
     2. Insurance (insurance business) activity of insurers on insurance, reinsurance, mutual insurance as well as insurance brokers provide services connected with insurance, reinsurance companies (as amended by the Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067) (article 2 in red.  Federal law dated December 10, 2003  N 172-FZ-Sobraniezakonodatel′stva Russian Federation, 2003, no. 50, art. 4858) article 3. Purpose and zadačiorganizacii of the insurance business.
               Formystrahovaniâ 1. The purpose of the organization is to provide insurance protection of property interests of natural and legal persons of the Russian Federation, constituent entities of the Russian Federation and municipal entities when insurance cases.
     Organizaciistrahovogo objectives are: to conduct a unified State policy in the field of insurance;
     ustanovlenieprincipov insurance and formation mechanisms of insurance obespečivaûŝihèkonomičeskuû the security of citizens and economic entities on the territory of the Russian Federation.
     2. Insurance is available in the form of voluntary insurance and compulsory insurance.
     3. Voluntary insurance is performed on the basis of the insurance contract and insurance rules that define the general terms and conditions and the procedure for its implementation.   Rules of insurance are accepted and approved by the insurer, or insurers Association independently in accordance with the Civil Code of the Russian Federation, the present law and federal′nymizakonami and contain provisions about insurance, about the objects of insurance, the insurance cases, about insurance risks on the manner of determining the sum insured, the insurance tariff, insurance premiums (insurance premiums), on the order of conclusion, implementation iprekraŝeniâ of insurance contracts, the rights and obligations of the parties, on the determination of the amount of loss or damage , on the manner of determining the indemnity, on the duration of implementation of insurance payments, as well as an exhaustive list of grounds for refusal of the insurance compensation and other provisions (as amended by the Federal law dated July 23, 2013 N 234-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, N 30, art.

4067;  Federal zakonaot June 29, 2015  N 155-F3-collection of laws of the Russian Federation, 2015, N 27, art. 3946). Pravilastrahovaniâ (except insurance rules adopted in the international systems strahovaniâgraždanskoj of the liability of owners of vehicles that were acceded to by the Russian Federation) should also contain an exhaustive list of the information and documents required for the conclusion of insurance contracts, assessment of insurance risks, determine the size of the loss or damage, and, in addition, the terms and the procedure of adoption of the decision on the implementation of the insurance payment, and to life insurance contracts is also the procedure for calculating vykupnojsummy and accrual of investment income If the contract provides for the participation of the insured or any person in whose favour the life insurance contract, the investment income of the insurer (paragraph added by federal law from July 23, 2013 N 234-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, no. 30, art. 4067).
     The Bank of Russia has the right to determine in its regulations the minimum standard requirements and procedure for certain types of voluntary insurance (paragraph added by Federal zakonomot July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). According to the requirements of policyholders, insured persons, beneficiaries, as well as persons having the intention to conclude a contract of insurance, insurers are obliged to explain provisions contained in regulation of insurance and insurance contracts, to provide information on the amount of remuneration payable to the insurance agent, insurance broker for obâzatel′nomustrahovaniû, calculations, changes during the period of validity of the insurance contract, the insured amount, the calculation of indemnity or redemption amount (if such conditions are stipulated in the insurance contract life) information about how to change the size of the fees and investment income on life insurance contracts concluded with the participation of the insured or any person in whose favour the life insurance contract, the investment income of the insurer (paragraph added by federal law from July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067). 3-1. In order to communicate Parties of relations regulated by the present law, and insurance anti-fraud information system edinaâavtomatizirovannaâ is created containing information about insurance contracts on vidamstrahovaniâ provided podpunktami6 and 14 paragraph 1 of article 32-9 of this Act, insurance cases, iinuû information on the implementation of the insurance (hereinafter referred to as the unified automated system). Unified automated operator system is the Professional Association of insurers established in accordance with the Federal law of April 25, 2002 N 40-FZ "on compulsory insurance of civil liability of owners of vehicles".  The procedure for the establishment and operation of unified automated systems, including ensuring access to the information contained in it, lists of the information provided by insurers vobâzatel′nom order are fixed (paragraph 3-1 entered Federal′nymzakonom of July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). 4. The conditions and procedures for the implementation of compulsory insurance are determined by federal laws on specific vidahobâzatel′nogo insurance. Federal law on the specific form of compulsory insurance must contain provisions governing: (a)) sub″ektystrahovaniâ;
     b) objects podležaŝiestrahovaniû;
     in the list of strahovyhslučaev);
     g) minimum amount of sum insured or its definition;
     d) size, structure, or procedure for determining the insurance tariff;
     (e)) and porâdokuplaty insurance premiums (insurance premiums);
     f) undertakes insurance period;
     w) opredeleniârazmera indemnity;
     and zaosuŝestvleniem);
     the) consequences of non-performance or improper performance of the subjects of insurance;
     l) other provisions.
     (Article 3 in red.  Federal law dated December 10, 2003  N 172-FZ-Sobraniezakonodatel′stva Russian Federation, 2003, no. 50, art. 4858) article 4. Ob″ektystrahovaniâ 1. Objects of insurance life can be property interests related to survival occurs citizens to certain vozrastaili of the term or the onset of other events in the lives of citizens, and takžes them to death (life insurance).
     2. Ob″ektamistrahovaniâ from accidents and illnesses can be property interests related to injury to the health of citizens, as well as their death as a result of an accident or illness (insurance against accidents and illnesses).
     3. Ob″ektamimedicinskogo insurance can be property interests related to organization and okazaniâmedicinskoj and medical assistance (medical services) and other services due to health problems of a physical person or physical person, requiring the Organization and provision of such services, as well as carrying out preventive measures to reduce the degree of hazard to the life or health of the physical person threats and/or eliminate them (medical insurance).
     4. Ob″ektamistrahovaniâ property may be property interests related to risk of loss (death), shortage or damage of property (property insurance).
     Objects of insurance of financial risks in property insurance can be the property interests of the insured (insured person) associated with the risk of non-receipt of proceeds of unforeseen rashodovfizičeskih persons, legal entities (insurance against financial risks).
     5. Ob″ektamistrahovaniâ business risks can be property interests related to the risk of ubytkovot business activities due to the breakdown of counterparties svoihobâzatel′stv entrepreneur or changes in the terms of the entrepreneur to the circumstances, including the risk of non-receipt of expected income (insurance business risks).
     6. liability insurance can be property interests related to: 1) risk of liability for damage to life, health and property of citizens, property of legal entities, municipalities, the constituent entities of the Russian Federation or to the Russian Federation;
     2) risk nastupleniâotvetstvennosti for breach of contract.
     7. The objects specified in paragraphs 1-3 of this article shall apply to personal insurance, the objects specified in paragraphs -6 4 of this article, refer to property insurance.
     8. If Federal law provides otherwise, when implementing the insurance allowed the combination of objects belonging to different types of property insurance, stipulated by paragraphs 4-6 of this article, and personal insurance stipulated by paragraphs 2 and 3 of this article, or only objects of personal insurance, stipulated by items 1 -3 this article (combined insurance).
     (Article 10 in red.  Federal law dated 23iûlâ, 2013.  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067) article 4-1. Parties of relations regulated by the present law 1. Parties of relations regulated by the present law are: 1) the policyholders, insured persons, beneficiaries;
     2) insurance organizations, including reinsurance companies (as amended by the Federal law dated July 23, 2013 N234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067).
     3) mutual insurance society;
     4) insurance agents;
     5) insurance brokers;
     6) activists (harm.  Federal law dated July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067);
     7) Bank of Russia, carrying out the functions of regulation, control and supervision in the sphere of insurance activity (strahovogodela) (hereinafter referred to as the body strahovogonadzora) (in red.  Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067);
     8) combining the subjects of insurance business, including self-regulatory organizations (sub-item 8 introduced Federal′nymzakonom from March 7, 2005  N 12-FZ-collection of laws of the Russian Federation, 2005, N 10, art. 760);
     9) specialized depository (sub-item was introduced by the Federal law dated 9 July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067).
     2. Insurance companies, mutual insurance and insurance brokers are subject to insurance business (as amended by the Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). Deâtel′nost′sub″ektov insurance subject to licensing, with the exception of insurance Actuaries, which are subject to certification.
     Information about the subjects of insurance are subject to inclusion in a single gosudarstvennyjreestr the subjects of insurance business in the manner prescribed by the insurance supervisory authority.
     A single gosudarstvennyjreestr the subjects of insurance must contain information about the subject of the insurance business, its name, location, Manager, participants (shareholders), the number, date of issue, the term dejstviâlicenzii, as the insurance activity,

for which a license has been granted, the types of insurance, which are carried out within the framework of the respective type of insurance (insurance organizations and mutual insurance societies), domennomimeni and (or) network address of the official site of the subject of the insurance business vinformacionno-telecommunications network, the Internet, branches and representative offices of the insurer and of their location on the adoption of the decision on suspension, the renewal of a licence or the revocation (cancellation), the reasons and the date of license exceptions to edinogogosudarstvennogo the registry subjects of insurance business (paragraph added by Federal′nymzakonom July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). In the event of a change of information on the subject of the insurance business relevant information shall be entered in the unified State Register of insurance no later than five working days from the date of change of specified information (paragraph added by federal law from July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067).
     3. the name (business name) of the subject of the insurance business is a legal person must contain: 1) an indication of the legal form of the subject of the insurance business;
     2) indication of the business the subject of the insurance business using words or "insurance" and (or) "reinsurance", or "mutual insurance" or "insurance broker", as well as derivatives of such words and phrases;
     3 individualiziruûŝee) designation, the subject of the insurance business.
     (Para 3 as amended.  Federal law dated July 21, 2005  N 104-FZ-collection of laws of the Russian Federation, 2005, N 30, art. 3115) 4. The subject of the insurance business is a legal person shall not be entitled to use the designation entirely, individualiziruûŝee other subject of the insurance business. This provision is not affiliated and dependent societies rasprostranâetsâna subject of the insurance business (item 4 was introduced by the Federal zakonomot July 21, 2005  N 104-FZ-collection of laws of the Russian Federation, 2005, N 30, art. 3115) (Art. 4-1 introduced by the Federal law of December 10, 2003 N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) article 5. Insurers 1. Strahovatelâmipriznaûtsâ legal entities and capable individuals who have with insurers or insurance are insured under the law.
     2. (para 2 utratilsilu on the basis of the Federal law of December 10, 2003  N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) 3. (Para 3 lost effect on the grounds of the Federal law dated December 10, 2003  N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) article 6. Insurers 1. Insurers-insurance organizations and mutual insurance society, established in accordance with the legislation of the Russian Federation to implement activities postrahovaniû, reinsurance, mutual insurance and received a license for carrying out of the respective type of insurance activity in the manner prescribed by this law.  Insurance organizations conducting reinsurance activities exclusively are reinsurance organizations (as amended by the Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067).
     2. Strahovŝikiosuŝestvlâût assessment of the insured risk, receive insurance premiums (insurance premiums), form the insurance reserves, invest assets, determine the size of the loss or damage, make insurance payments, carry out other related to performance of obligations under the insurance contract validity.
     Insurers have the right to carry out or only insurance of personal insurance, as provided in paragraphs 1-4 of this Act, 3stat′i or just ob″ektovimuŝestvennogo insurance and personal insurance, provided for respectively paragraph 2 and paragraphs 2 -6 article 4 of this law (as amended.  Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). following each reporting year the activities of the insurance organization, obŝestvavzaimnogo is subject to compulsory insurance actuarial assessment the responsible actuary.    An actuarial report prepared according to the results of the actuarial assessment, it seems mandatory insurer in the insurance supervision authority together with the annual accounting (financial) reporting, unless a different period of the actuarial opinion insurance supervision authority has not been installed, but no later than 1 July of the year following the reporting year (paragraph added by federal law from 23 iûlâ2013 N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art.  4067; in red.  Federal law dated 8marta 2015 N 39-FZ-collection of laws of the Russian Federation, 2015, N10, art. 1409). insurers must maintain separate accounting of expenses by type of compulsory insurance in the manner prescribed by the insurance supervisory authority (paragraph added by federal law 23iûlâ, 2013.  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067). (para 2 as amended.  Federal law dated December 10, 2003  N 172-FZ-Sobraniezakonodatel′stva Russian Federation, 2003, no. 50, art. 4858) 2-1. Insurers should create conditions to ensure the safety of documents, which list and kobespečeniû safety requirements which are established by the insurance supervisory authority (paragraph 2-1 was introduced by the Federal law of April 22, 2010  N 65-FZ-collection of laws of the Russian Federation, 2010, N 17, art.
1988;  in red.  Federal law dated November 30, 2011  N 362-FZ-collection of laws of the Russian Federation, 2011, N, 49, St.
7040.) 2-2. In cases where the necessary information for procuring insurance information vEdinom State Register of rights to real estate and transactions with it, or made in the State Cadastre of real estate, insurance organization is not entitled to demand that the policyholders, insured persons, beneficiaries and persons with the intention to conclude a contract of insurance, the submission of such information.  In these cases, the insurance organization in the manner and ways which are established by the Federal law dated July 21, 1997 N 122-ФЗ "about the State registration of rights to real estate and sdeloks him" and the Federal law of July 24, 2007 year N 221-ФЗ "about the State real property cadastre" within trehrabočih days from the date of application of the citizen, his representative or the representative of a legal person requests and receives in federal laws ustanovlennyeukazannymi terms in the Federal organeispolnitel′noj authorities authorized in State registration of rights to real estate and transactions therewith, cadastre and State real estate cadastre, or given him the budget-funded agency, entrusted with the relevant powers in accordance with the decision of such a body, the information contained in the unified State Register of rights to real estate and transactions with it, or made in the State real estate cadastre, in electronic form (para 2-2 was introduced by the Federal law dated July 13, 2015  (N) 259-FZ-Sobraniezakonodatel′stva Russian Federation, 2015, N 29, art. 4385). 3. Insurance companies that are subsidiaries vis-à-vis foreign investors (the primary organizations) or having a share of foreign investors in its authorized kapitalebolee 49 per cent may not carry in the Russian Federation insurance life, health and property of citizens at the expense of funds allocated for these purposes from the appropriate federal bodies of executive power budget (policyholders), insurance, related to the procurement of goods, works and services for public and municipal needs as well as insurance of property interests of the Government and municipal organizations.
     Insurance companies that are subsidiaries vis-à-vis foreign investors (the primary organizations) or having a share of foreign investors in its authorized kapitalebolee 51 per cent may not carry insurance in the Russian Federation, referred to in the first subparagraph of this paragraph, as well as insurance of personal insurance, provided for in article 4 of this law, punktom1, and compulsory insurance of civil liability of vehicle owners.
     In order to nastoâŝegoZakona foreign investors admit foreign organizations having the right to exercise in porâdkei on the conditions established by the legislation of the Russian Federation, investments in the territory of the Russian Federation vustavnyj capital insurance company established or newly established on the territory of the Russian Federation.
     If the size (quota) participation of foreign capital in authorized capitals of the insurance organizations exceeds 50 per cent of the insurance supervision authority terminates licences to carry out insurance activities of the insurance companies that are subsidiaries vis-à-vis foreign investors (the primary organizations) or with a share of foreign investors in its authorized capital of more than 49 per cent.
     The size (quota) of foreign capital participation in the Charter capital of insurers insurance supervision authority shall be calculated annually as of January 1 in the manner prescribed by them

order based on Charter capital of insurers as at 1 January of the current year.  Information on the size (quota) of foreign capital participation in the Charter capital of insurers, imposing or termination provided for fourth and seventh subparagraphs of this paragraph, the restrictions on foreign investment shall be published by the authority of insurance supervision in particular they printed publication and is posted on the official website of the insurance supervision authority in the field of information and telecommunications network "Internet" within ten days from the date of adoption of the relevant decision.
     Insurance company must obtain prior authorization from the insurance supervisory authority on increasing the size of its Charter capital at the expense of foreign investors and (or) their subsidiaries on alienation in favor of foreign investors (including foreign investors for sale) of its shares (interests in Charter capital) and Russian shareholders (participants) must obtain prior authorization from the insurance supervisory authority to dispose of their shares (interests in Charter capital) insurance organization in favour of foreign investors and (or) their subsidiaries.
     If ustanovlennyjnastoâŝim item size (quota) of foreign capital participation in the Charter capital of insurers will be exceeded, the insurance supervision authority refuses to prior authorization the insurance subsidiaries organizations vis-à-vis foreign investors (the primary organizations) or with a share of foreign investors in its authorized capital of more than 49 per cent or becoming established as a result of these transactions.
     Inostrannymiinvestorami payment of their shares (interests in Charter capital) insurance organizations is made exclusively in cash in the currency of the Russian Federation.
     (Paragraph 3 added by federal law noâbrâ1999, 20.  N 204-FZ-collection of laws of the Russian Federation, 1999, no. 47, art.  5622; in red.  Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067) 4. Insurance organization, a subsidiary of society vis-à-vis the foreign investor (the main organization) or with foreign investors in its authorized kapitalebolee 49 percent, has the right to perform insurance activities in the Russian Federation, if the foreign investor (the main organization) not less than five years is strahovojorganizaciej, which is carrying out its activities in accordance szakonodatel′stvom of the State concerned (as restated by federal law 23iûlâ, 2013.  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) (Paragraph repealed directly via the Federal law dated July 23, 2013 N 234-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, no. 30, art. 4067) (para. 4 of the Act of November 20, 1999 vvedenFederal′nym  N 204-FZ-Sobraniezakonodatel′stva Russian Federation, 1999, no. 47, art. 5622) 4-1. Insurance supervision authority Predvaritel′noerazrešenie in the cases provided by paragraph 3 of this article shall be issued within thirty days from the date of receipt of the insurance supervision authority idokumentov statements annexed to the statement of insurance supervision authority approved isootvetstvuûŝih list of documents required to obtain the specified prior authorization (para 4-1 was introduced by the Federal law dated July 23, 2013 N 234-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, no. 30, art. 4067).
     5. (paragraph vvedenFederal′nym of the Act of 5 December 10, 2003 N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art.  4858; lost effect on the grounds of the Federal′nogozakona of July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067) 6. In order to bring to the policyholders, insured persons, beneficiaries, persons with the intention to conclude a contract of insurance, information about its activities, the insurer must have its own site in information and telecommunications network, Internet hosts, in particular, the following information: 1) the full name, address (location), telephone numbers, the mode of operation of the insurer, its branches and representative offices;
     2) information about leaders of shareholders (participants, members) of the insurer;
     3) information about the documents, including information about the primary state registration number, taxpayer identification number on the registration in the unified State Register of subjects of the insurance business, as well as the insurer's license information and the term of its validity;
     4) perečen′osuŝestvlâemyh types of insurance;
     5) rules strahovaniâi insurance rates;
     6) godovaâbuhgalterskaâ financial statements of the insurer, confirming its authenticity, the auditor's report for the previous three reporting years;
     7) annual consolidated financial statements and confirming its authenticity, the auditor's report for the previous three reporting years;
     8) prisvoennyestrahovŝiku rating agencies ratings (in the case of attribution);
     9) information odeâtel′nosti insurer, about the experience of his work on types of insurance;
     10) information on participation in professional associations, unions, associations of insurers;
     11) other information need for the publication of which is provided for by the legislation of the Russian Federation or follows from customs of trade.
     (Para. 6 of the Act of July 23, 2013 vvedenFederal′nym  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) 7. Referred to in paragraph 6 of this article, information on the activities of the insurer shall be posted on the website strahovŝikav information and telecommunication network "Internet" within five working days from the date of the adoption of sootvetstvuûŝegorešeniâ by the insurer and, if necessary, its registration or notification oprinâtom decision of authorized bodies-from the day of registration or notification, respectively.
     Order requirements placing the insurer specified in paragraph 6 of this article shall be established by the insurance supervision authority information.
     (Para. 7 of July 23, 2013 Federal′nymzakonom entered  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) 8. Insurer obâzanhranit′ documents containing the information specified in paragraph 6nastoâŝej of article on èlektronnyhnositelâh within the time frames stipulated by the legislation on archives in the Russian Federation, and present them to the insurance supervisory authority on request within fifteen working days from the date of receipt of the request (punkt8 was introduced by the Federal law dated July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067). 9. In order to nastoâŝegoZakona insurance group which is not a legal entity recognized Association of legal persons, which is one legal entity or multiple entities (hereinafter referred to as the parties to the insurance group) are under the control or significant influence of one insurance organization (hereinafter referred to as the parent insurance company insurance group).
     Control and significant influence to determine the participants and head insurance group insurance agency insurance group are determined in accordance with international reporting standartamifinansovoj, recognized on the territory of the Russian Federation.
     (Item 9 of the Act of July 23, 2013 vvedenFederal′nym  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) 10. The restrictions imposed by the first and second subparagraphs of paragraph 3 and paragraph 4 of this article shall not apply to insurance companies, kotoryeâvlâûtsâ subsidiaries vis-à-vis foreign investors (the primary organizations) or have a share of foreign investors in its authorized capital of more than 49 per cent created or reorganized to August 22, 2012 year Yves pursuant to legislation of the Russian Federation in force at that date were entitled to osuŝestvlât′strahovuû activity specified in the first and second subparagraphs of paragraph 3 of this article (4 ipunkte punkt10 was introduced by the Federal law dated July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067). Article 6-1. Osobennostiobmena information in electronic form meždustrahovatelem and the insurer 1. Creation of iotpravka by the insured (insured person, beneficiary) to the insurer information in electronic form (Declaration on the conclusion of the insurance contract, the insured event notification, Declaration of osuŝestvleniistrahovoj payment and (or) other documents) to the insurance contract, for receiving of indemnity in cases and order that provided insurance regulations are implemented using the specified in paragraph 6 of article 6 of this Act, the insurer's official website vinformacionno-telecommunications network "Internet". If this specified the insurer's official website can be used as an information system for the exchange of information in electronic form between the insured and the insurer, which is the operator of this information system.
     Access to the official website of the insurer for acts provided for in this article may be carried out by the insured (insured person, beneficiary) using a single sistemyidentifikacii and authentication.

     2. When osuŝestvleniidobrovol′nogo insurance information in electronic form sent to the insurer and signed a simple electronic signature of the insured (insured person, beneficiary)-physical person in accordance with the requirements of the Federal law of April 6, 2011 year N 63-FZ "on electronic signatures", recognized electronic document equivalent to document on paper signed by the signature of the natural person if the insurance regulations provides otherwise.
     Requirements for use of electronic documents and the procedure for the exchange of information in electronic form between the insured (insured person, beneficiary) and the insurer in carrying out voluntary insurance are set by the insurance regulations and (or) other agreement between such persons in accordance with the requirements of the Federal law dated August 7, 2001 N 115-FZ "Oprotivodejstvii the legalization (laundering) of proceeds received by criminal way and terrorism financing" and the Federal law of April 6, 2011 year N 63-FZ "on electronic signatures".
     3. Requirements of use of electronic documents and the procedure for the exchange of information in electronic form between the insured (insured person, beneficiary) and the insurer when the implementation of compulsory insurance, in particular, the recognition of information in electronic form, signed by a simple electronic signature, electronic document equivalent to document on paper, signed a handwritten signature, establishes federal laws on certain compulsory insurance and adopted in accordance with the normative acts of the insurance supervision authority in compliance with the requirements of the Federal law dated August 7, 2001 N 115-FZ "on counteracting the legalization (laundering)  of proceeds received by criminal way and terrorism financing "and the Federal law of April 6, 2011 year N 63-FZ" about èlektronnojpodpisi ".
     4. Dogovordobrovol′nogo insurance in accordance with paragraphs 2 and 3 of Article 434 and article 940 of the Civil Code of the Russian Federation may be drawn up in the form of an electronic document with the specifications defined by the present law. While in the case of the insurer to the insured-fizičeskomulicu on the basis of its application in writing or orally of the insurance policy (certificates, certificate, receipts), signed by the enhanced qualified electronic signature of insurer in compliance with the requirements of the Federal law of April 6, 2011 year N 63-FZ "Obèlektronnoj signature" voluntary insurance agreement, drawn up in the form of an electronic document, shall be deemed to have been insured to the insurer proposed conditions from the date of payment of insurance premium by the insured (insurance premium).
The policyholder is a natural person shall pay the insurance premium (the premium) after reading the terms and conditions contained in the contract of voluntary insurance and insurance rules, thereby affirming their agreement to enter into this agreement on the proposed insurer conditions.
     5. Deâtel′nost′strahovyh agents and insurance brokers to provide services related to contracts of insurance in the form of electronic documents in accordance with nastoâŝejstat′ej shall not be permitted.
     (Article 6-1 of the Act of June 4, 2014 vvedenaFederal′nym  N 149-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 23, art. 2934) article 7. Porâdokregulirovaniâ activity vzaimnogostrahovaniâ Deâtel′nost′obŝestv society of mutual insurance is regulated by the Civil Code of the Russian Federation, the present law, the Federal law on mutual insurance and other federal laws (as amended by the Federal law of November 29, 2007 N 287-FZ-collection of laws of the Russian Federation, 2007, no. 49, p. 6048).
 
     Article 8. Strahovyeagenty and insurance brokers 1. Under the deâtel′nost′ûstrahovyh agents, insurance brokers, insurance and reinsurance refers to activities developed for insurers or insurers and related services for the selection of the insured and (or) the insurer (reinsurer), conditions of insurance (reinsurance), registration, and maintenance contract of insurance (reinsurance), making changes, official registration of papers for the settlement of claims on the insurance payment, interaction with the insurer (reinsurer), implementation consultancy activities.
     Similar activities carried out by the insured in respect of insured persons, as well as similar activities carried out by the insurer or its employee, does not apply to activities as an insurance agent, insurance broker.
     2. Activities as an insurance agent, insurance broker shall not be entitled to engage persons having removed from or outstanding convictions or who rukovodstvostrahovŝikom for two years before his Arbitration Court declared bankrupt before the expiry of three years from the date of acceptance of the insurer as bankrupt, as well as persons holding posts in the administration of the insurer, its affiliated and dependent societies.
     3. Insurance Agent, insurance broker shall bear responsibility for nonperformance or improper performance of obligations arising from the implementation of their activities, including zarazglašenie information constituting a commercial secret of the insurer, the insured persons ' personal data for accuracy, objectivity, completeness and timeliness of information and documents certifying fulfillment of their duties.
     Insurance agent, insurance broker are obliged to ensure the safety of funds in case of receipt of insurance premiums (insurance premiums) of the insured, as well as the preservation of the documents provided by the insurer, the insured, the insurer to provide a report on the use of forms of insurance policies, certificates, return the unused, corrupted forms of insurance policies, certificates in the manner and under the conditions envisaged by the agreement concluded between the insurer and the insurance agent, insurance broker, or in accordance with the legislation of the Russian Federation.
     Insurance agent, insurance broker shall be entitled to receive from the insurer information about amount of its Charter capital, insurance reserves, of a license for carrying out of insurance, reinsurance, on the timing of activity as the subject of the insurance, the types and conditions of ongoing insurance.
     4. Insurance Agent, insurance broker can't specify yourself as beneficiary under insurance agreements entered into by them in favour of third parties.  The insurer is obliged to perform insurance contracts concluded on behalf of and/or in the interests of the insurer insurance agents, insurance brokers, regardless of the way the timing of the insurance policies and the date of receipt of the insurance premium to the insurer (insurance premiums) paid by the insured to the insurance agent, insurance broker.
     Remuneration paid by the insurer to the insurance agent, insurance broker for compulsory insurance envisaged by federal law on the specific form of compulsory insurance may not exceed ten percent of the insurance premium.
     5. Insurance agentamiâvlâûtsâ individuals, including individuals registered in the order established by the legislation of the Russian Federation as individual entrepreneurs or legal persons carrying out activities on the basis of a civil law contract on behalf and for the account of the insurer in accordance with the powers vested in them.
     Monitoring of the activities of insurance agents, carries out the insurer, including through checks on their reporting activities on preservation and use of forms of insurance policies, certificates of securing funds, received from policyholders, and execution of other powers.
     Insurance agents dolžnyobladat′ information on the activities of the insurer provided for in article 6 of this law, to grant its policyholders, insured persons, paid to beneficiaries, the persons with the intention to conclude a contract of insurance for their requirements, as well as disclose the individual information about their name, powers and activities, including contact numbers, mode of work, location (for insurance agents-legal persons), list of okazyvaemyhuslug and their cost, including their remuneration.
     6. Insurance brokers are legal entities (commercial) or permanently residing on the territory of the Russian Federation and have been registered in accordance with the laws of the Russian Federation as individual entrepreneurs, natural persons carrying out activities on the basis of the contract on rendering of services of an insurance broker on the Commission of legal and other action to conclude, change, cancellation and execution of insurance contracts on behalf of physical persons or legal entities (policyholders) on behalf of but due to these persons or the Commission of legal and other action to conclude, change, cancellation and execution of insurance (reinsurance) contracts on behalf of and at the expense of the insured (reinsured) or insurers (reinsurers). The insurer when concluding with strahovymbrokerom

the contract defines the list of insurance broker insurance broker services, its rights, duties, the order of execution of the contract, its duration, cost of services (insurance broker remuneration), porâdokvzaimorasčetov, including the procedure and deadlines for the enumeration of insurer funds received for the payment of the insurance broker insurance (reinsurance) contract (if such activities osuŝestvlâetsâstrahovym broker).
     In the case of eslistrahovoj, the broker carries out brokering activities in favour of the insurer, he shall notify the insured and is not entitled to receive compensation for their service on one insurance contract and from an insurer, and from the policyholder.
     Insurance brokers shall be entitled to perform other services related to insurance and not prohibited by law, except for the activities of the insurer, reinsurer, insurance agent.
     Insurance broker nevprave provide services exclusively for compulsory insurance.
     Insurance brokers engaged in accepting money from insured (reinsured) in payment of the contract of insurance (reinsurance), credited to these funds to a special bank account for the subsequent enumerations to the insurer within a period not exceeding three (3) working days. Insurance brokers shall not be entitled to perform other operations on the account.
     Insurance brokers engaged in accepting money from insured (reinsured) in payment of the contract of insurance (reinsurance), must have the guarantee of fulfillment of obligations in the form of a bank guarantee in an amount not less than three million rubles, or the availability of own funds in the amount of not less than three million rubles, placed in cash.
     7. Deâtel′nost′inostrannyh insurance brokers on the territory of the Russian Federation is not allowed, except for mediation as an insurance broker for reinsurance and cases stipulated by the legislation of the Russian Federation.
     8. Insurance brokerobâzan provide to the insured at his or her request for information on its name, location, the license for conducting mediation as an insurance broker, list of services, insurance, for which the insurance is available (stating the shares) or about the lack of participation in the capital of the insurer (insurers), the types and conditions of insurance, as well as the results of the analysis of insurance services (objects to be insured, insurance risks , insurance rates and other conditions of coverage from various insurers), confirming that the proposal made by the policyholder the insurance broker formed taking into account the needs of the insured.
     Insurance broker provides the insurer with information received from the policyholder information on insurance risk, the object of the subject matter of insurance on its insurance needs, as well as other information and documents related to the conclusion and accompaniment of the insurance contract, the performance of their duties, in the manner of Yves amount established by the legislation of the Russian Federation and the contract between the insurer and insurance broker.
     9. zadeâtel′nost′û Control of insurance brokers insurance supervision authority are carried out in accordance with trebovaniâminastoâŝego of the Act, as well as the insurer, concerning execution of powers and responsibilities under the agreement between the insurer and insurance broker.
     10. istrahovye insurance agents brokers must explain to the policyholders, insured persons, paid to beneficiaries, as well as persons with the intention to enter into an insurance contract, upon request of the provisions contained in the regulation of insurance, the insurance contract. Insurance agents and insurance brokers-legal persons are obliged to post the information prescribed in paragraphs 5 and 8 of this article, the site for information and telecommunication network "Internet".
     11. vedutreestry insurers, insurance agents and insurance brokers with whom they have entered into contracts to perform services connected with insurance. Information from the registry strahovyhagentov and insurance brokers to identify insurance agent or insurance broker as a person with whom the insurer contracted to perform services connected with insurance (surname, name, patronymic (if any) or title insurance agent, insurance broker, reference number or a Treaty), hosted on their sites in insurers information and telecommunication network "Internet".  Authority for maintenance of register insurance agents and insurance brokers irazmeŝeniû information from him in the field of information and telecommunications network "Internet" can be transferred to an insurer pooling of insurers, as the insurer shall indicate on its Web site information and telecommunication network "Internet" information about such a merger of insurers.
     (Article 8 as amended.  Federal law dated July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) article 8-1. (Act of December 10, 2003 VvedenaFederal′nym N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858; lost siluna under federal law dated July 23, 2013 N 234-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, no. 30, art. 4067) article 9. Strahovojrisk, insured event (name as amended by the Federal law of December 10, 2003 N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) 1. Insurance riskomâvlâetsâ the alleged event, in the case of an insurance.
     The event, considered as the insured risk must have the characteristics of probability and randomness of its occurrence.
     2. The insured event is it event provided the insurance agreement or law, with the onset of an insurer's obligation to pay indemnity to the insured, the insured person, vygodopriobretatelûili other third persons.
     3. (para 3 utratilsilu on the basis of the Federal law of December 10, 2003  N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) article 10. Strahovaâsumma, indemnity, franchise (the name of the harm.  Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067) 1. Sum insured is an amount determined in the manner prescribed by federal law and (or) by the insurance contract when his opinion and on the basis of kotorojustanavlivaûtsâ the size of insurance premiums (insurance premiums) and the amount of insurance indemnity upon occurrence of an insured event (in red.  Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). 2. When the osuŝestvleniistrahovaniâ property of the insured amount may not exceed egodejstvitel′nuû value (value) at the time of conclusion of the insurance contract.  The parties may not challenge the insurance value of the property specified in the insurance contract, unless the insurer proves thatit was deliberately misled by the insured.
     When carrying out personal insurance sum insured or the way it is determining the insurer to the insured in the insurance contract soglašeniûso (as amended by the Federal zakonaot July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067). 3. Insurance benefit is a monetary amount, kotoraâopredelena, in the manner prescribed by federal law and (or) the insurance contract, the insurer and is paid to the policyholder, the insured person, beneficiary upon occurrence of an insured event (as amended by the Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067).
     Indemnity insurance contracts shall be made in the currency of the Russian Federation, except as provided for in paragraph 4 of this article, the currency laws of the Russian Federation and adopted by them in accordance with legal acts of the bodies of valûtnogoregulirovaniâ (in red.  Federal zakonaot July 18, 2005  N 90-FZ-collection of laws of the Russian Federation, 2005, N 30, art. 3101). the insurer may not refuse the insurance compensation for reasons unintended by the Federal law or the insurance contract (paragraph added by federal law from July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). 4. Property insurance conditions and (or) civil liability in predelahstrahovoj sum may provide for the replacement of indemnity (indemnity) providing property, similar to lost property and, in the case of damage to property, loss of nepovlekšego, and (or) payment by the insurer on account of the insurance vozmeŝeniâremonta damaged property (as amended by the Federal law dated 23 iûlâ2013 N 234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067).
     5. in case of loss, the loss of the insured property, the policyholder, beneficiary vpraveotkazat′sâ of their rights in favor of the insurer for the purpose of extorting from him indemnity (indemnity) of the total sum insured.
     6. personal insurance Priosuŝestvlenii insurance payment (sum insured) is made to the insured or person imeûŝimpravo

to receive the insurance payment (sum insured) under an insurance contract, irrespective of the amounts due under other insurance contracts, as well as compulsory social insurance social′nomuobespečeniû and compensation for harm.
In accordance with the terms of the insurance contract, the insurer shall vsčet the insurance payment (sum insured) is entitled to organise the provision of medical services to the insured person and pay for medical services rendered to zastrahovannomulicu (as amended by the Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). When implementing the insurer's life insurance in addition to the sum insured may pay a portion of the investment income the insured or other person in whose favour the life insurance zaklûčendogovor (as amended by the Federal law dated July 23, 2013 N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067).
     Investicionnogodohoda size to be distributed between the life insurance contracts providing for the participation of insurers or other persons in whose favour the life insurance contract, the insurer's investment income is determined by the insurer. The procedure for calculating the specified income and its method of distribution between life insurance contracts are established by the Association of insurers.  The policyholder or the person in favor of kotorogozaklûčen life insurance contract may apply to the insurer for an explanation of the calculation of investment income due him (paragraph vvedenFederal′nym of the Act of July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067).
     7. upon the termination of the life insurance contract providing for the survival of the insured person up to a certain age or period or occurrence of an event, the insured amount is returned within formed in accordance with the established procedure of insurance reserve for the day of dogovorastrahovaniâ (the redemption amount).
     8. the organizations and individual entrepreneurs are obliged to provide insurers on their zaprosamdokumenty and conclusions related to the insured event and needed to address the question of insurance payment in accordance with the legislation of the Russian Federation.
     9. Franchise-čast′ubytkov, which is defined by the Federal law and (or) the insurance contract, the insurer shall not be refunded to the insured or other person whose interest is insured in accordance with the terms of the dogovorastrahovaniâ, and is set as a percentage of the insured amount or a fixed amount.
     According susloviâmi insurance deductible may be conditional (the insurer is exempt from reimbursement of loss if its size does not exceed the deductible, however, reimburse egopolnost′û in case, if the size of the loss exceeds the deductible) and unconditional (amount of indemnity is determined as the difference between the size of the loss and the size of the franchise).
     The insurance contract may provide for other types of franchises.
     (Item 9 of the Act of July 23, 2013 vvedenFederal′nym  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) (article 10 in red.  Federal law dated December 10, 2003 N 172-FZ-Sobraniezakonodatel′stva Russian Federation, 2003, no. 50, art. 4858) article 11. Strahovaâpremiâ (insurance) and insurance tariff 1. Premium (insurance premiums) the insuree in the currency of the Russian Federation, except in cases provided for by the currency legislation of the Russian Federation and adopted in accordance with the normative legal acts of currency regulation authorities (in red.  Federal law dated July 18, 2005  N 90-FZ-collection of laws of the Russian Federation, 2005, N 30, art. 3101). 2. Insurance rate-the rate of insurance premium from unit of the sum insured in the light of the object of insurance and risk harakterastrahovogo, as well as other insurance conditions, including availability of the franchise and its size in accordance with the insurance conditions.
     Insurers must apply actuarially (economically) reasonable insurance rates, which are calculated in accordance with the methodology for calculating insurance rates.
     Metodikerasčeta requirements for insurance rates, including its structure and content, methods and principles of calculating insurance rates (basic tariff rates and ratios or coefficients specified limits) on types of insurance, to order the use of statistical data on types of insurance insurance supervisory authority are established.
     Insurance rates (basic tariff rates and ratios or coefficients specified limits) on voluntary insurance are calculated by insurers for insurance based on statistical data (including statističeskihdannyh, collected, processed and analyzed associations of insurers), containing information about insurance cases, insurance claims, insurance loss not meneečem for the three reporting years immediately preceding the date of calculation of insurance rates by type of insurance non-life insurance, and not less than five reporting years immediately preceding the date of calculation of insurance rates on life insurance.
     Insurance tariff for a specific contract of voluntary insurance shall be determined by agreement of the parties.
     (Item 2 in red.  Federal law dated July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) (art. 11 as amended.  Federal law dated December 10, 2003 N 172-FZ-Sobraniezakonodatel′stva Russian Federation, 2003, no. 50, art. 4858) article 12. Coinsurance 1. Co-insurance insurance activities, providing for the conclusion of insurance on an object several insurers and the insured the insurance contract on the basis of which insurance risks, sum insured, premium (the premium) are allocated among insurers established by such a treaty.
     2. in the case nastupleniistrahovogo insurance contract concluded on the basis of paragraph 1 of this article, policyholders, insured persons, beneficiaries shall have the right to demand the insurance benefit to any insurer specified in this contract.
     If the insurance contract concluded on the basis of paragraph 1 of the present article does not identify the rights and responsibilities of each of the insurers, they jointly meet before insurers, insured persons, beneficiaries for implementation of insurance payments.
     (Art. 12 in red.  Federal law dated 23iûlâ, 2013.  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067) article 13. Reinsurance 1. Reinsurance-activity one insurance by the insurer (reinsurer) property interests of another insurer (reinsurer) associated with the adopted the latest insurance contract (the basic agreement) the obligation on the insurance payment.
     Not transferable in reinsurance and remaining on its own hold the reinsured risks (of the risk) insurance payment or the amount of the loss or the loss ratio for the insurance contract are defined by them in order and (or) in the amount set out in the accounting policies of the reinsured.  Risk indemnity, equal to the size of their own retention certificate, transferable in reinsurance.
     2. Reinsurance is carried out on the basis of reinsurance contract concluded between reinsured and reinsurer in accordance with the requirements of the civil legislation of the Russian Federation.
     Along with dogovoromperestrahovaniâ as proof of achievement between reinsured and reinsurance perestrahovŝikomsoglašeniâ and the modalities for its implementation can be used by other decorated in accordance with the customs of the reinsurance business documents.
     3. Unless the Treaty otherwise provides reinsurance, the reinsurer (retrocedent) has the right to transfer the obligation on insurance benefit (part of the obligations under insurance payment), the reinsurance treaty, another re-insurer or other reinsurers (retrocessionaires) in the subsequent treaty, treaties of reinsurance (retrocession).
     4. Reinsurance takes the form of an optional, obligatory, optional or obligatory obligatorno-optional and as a proportionate or disproportionate.
     5. When fakul′tativnomperestrahovanii when reinsurance reinsurance company may transfer the obligation on insurance payment or part of the obligations under insurance payment on the principal contract reinsured insurance and reinsurer may reinsure the obligation or part of the specified obligation or to refuse egoperestrahovanii.
     6. Priobligatornom reinsurance when insurer is obliged to transfer the re-insurer in reinsurance on reinsurance treaty with him usloviâhzaklûčennogo obligations under insurance payment or part of the obligations under insurance payment for basic insurance contracts concluded by the reinsured and subject to the terms and conditions of the said treaty reinsurance, and such obligations shall be deemed perestrahovannymi reinsurer since vstupleniâv

the main force of the insurance contract, if the contract of reinsurance unless otherwise stipulated.
     7. If the optional-obligatornom reinsurance when insurer may transfer re-insurer in reinsurance obligation on insurance payment or part of the obligations under insurance payment on the principal contract reinsured insurance and reinsurer must reinsure that obligation or part of said obligation.
     8. When obligatorno-optional reinsurance when insurer is obliged to transfer reinsurance reinsurance company on the terms of the Treaty concluded with the reinsurance obligations under insurance payment or part of the obligations under insurance payment for basic insurance contracts concluded by the reinsured and subject to the terms and conditions of the said treaty reinsurance, a reinsurer may reinsure these commitments or part specified obligations either deny their reinsurance.
     9. Particular proportional and disproportionate reinsurance are determined by the terms of the respective contracts of reinsurance.
     10. Contract mežduperestrahovatelem and reinsurer may stipulate the obligation of the reinsurer to pay the perestrahovatelû part of the positive difference between income and expenditure of the reinsurer under a reinsurance treaty between them or group of contracts concluded for a defined period of time (bonus).
     11. Foreign insurance and/or reinsurance organizations having received, in accordance with national legislation of the country where they are established, the right of the Republic have the right to exercise the activities of a reinsurance reinsurance liabilities of Russian insurers on insurance payments for basic insurance contracts concluded by them (part of such obligations).
     12. do not podležitperestrahovaniû the obligation of the insurer to pay the sum insured under the insurance contract of life insurance part of the risk insured persons up to a certain age or maturity, as well as the obligation of the insurer under the contract of compulsory insurance of civil liability of vehicle owners.
     13. The insurers having licenses for realization of life insurance does not have the right to carry out reinsurance risks on property insurance.
     (Article 13 as amended.  Federal law dated 23iûlâ, 2013.  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067) article 14. Ob″edineniâsub″ektov insurance 1. Subjects of insurance business in order to coordinate their activities, representation and protection of obŝihinteresov its members may form unions, associations and other associations.
     2. Information about merging the subjects of insurance delapodležat amend the register of associations of the subjects of insurance business based on insurance supervision authority submitted copies of certificates of State registration of such associations and their constituent instruments.
     (Article 14 as amended.  Federal law dated December 10, 2003 N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) article 14-1. Insurance (reinsurance) 1 pools. Insurance (reinsurance) Pul-Union of insurers, jointly implementing insurance activities on selected insurance or insurance risks on the basis of simple partnership contract (the contract about joint activity).
     2. The insurance pools are created to ensure the financial sustainability of its participants, the discharge of obligations under the insurance benefits the amount of which may exceed its own funds (capital) of one insurance company, and operates on principles of coinsurance or reinsurance.
     3. Perestrahovočnyepuly created to increase the financial capacity of the pool members through their implementation of reinsurance in the portion exceeding net retention insurance pool members. Obligations to insurance benefits in excess of own funds (capital) of the members of the insurance pool, transmitted on behalf of insurance pool in reinsurance.
     4. Parties to the reinsurance pool may be the insurers having licenses for realization of reinsurance, including foreign reinsurance companies.  The number of participants of insurance (reinsurance) the pool is not limited.
     5. participants of insurance (reinsurance) produce pool common principles and approaches to the implementation conditions of insurance (reinsurance) in the framework of the pool shall exchange information on insurance contracts, reinsurance, on the evaluation of strahovogoriska, the definition of loss or damage, define controls pulai (or) insurer-leader, pool their powers, participation in other insurance (reinsurance) pools, guaranteed the release of participants of insurance (reinsurance) from the appropriate pool, pool.
     6. strahovyhpulah information shall be posted on the website or on the website of the insurer's pool-leader in pool information and telecommunication network "Internet".
     7. Federal laws on certain compulsory insurance can be set features the creation and activities of insurance (reinsurance) pools.
     (Article 14-1 of the Act of December 10, 2003 vvedenaFederal′nym N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art.  4858; in red.  Federal law dated 23iûlâ, 2013.  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) chapter II (Article 15 -24).  (Excluded by the Federal law of December 31, 1997  N 157-FZ-collection of laws of the Russian Federation, 1998, N 1, art. 4) chapter III. ENSURE the FINANCIAL SUSTAINABILITY of the INSURERS ' IPLATEŽESPOSOBNOSTI (name in red.  Federal′nogozakona of July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) article 25. Usloviâobespečeniâ iplatežesposobnosti insurer financial strength (name of harm.  Federal law dated July 23, 2013 N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) 1. Safeguards to ensure financial stability and solvency of the insurer are commercially reasonable insurance rates;   formed insurance reserves;  Tools insurance reserves sufficient for execution of obligations on insurance, reinsurance, coinsurance, vzaimnomustrahovaniû;
own funds (capital);  reinsurance (as amended by the Federal law of November 29, 2007  (N) 287-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6048;
Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art.  4067;
Federal law dated November 28, 2015  (N) 349-FZ-collection of laws of the Russian Federation, 2015, N 48, art. 6715) (Paragraph repealed directly via the Federal law dated July 23, 2013 N 234-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, no. 30, art. 4067) 2. Own funds (capital) of insurers (with the exception of mutual insurance societies) includes share capital, capital reserves, share premium and retained profits.
     Insurers should invest own funds (capital) on conditions of diversification, liquidity, recurrency and profitability. Insurers may not invest its own funds (capital) in bills of legal entities and natural persons and issue loans using their own funds (capital), except for the cases stipulated by the insurance supervisory authority.
     Insurance supervision authority, depending on the specialization of insurers, insurance conditions, characteristics of the introduction of new investment projects, sets the list of permissible investment assets, as well as the procedure for investing their own funds (capital) èmitentamcennyh requirements for securities and/or securities issues depending on the assigned ratings, inclusion in the quoted organizatoramitorgovli lists on the securities market, the structure of assets, in which pets are part of the own funds (capital) of insurers (uncounted requirements providing for maximum razrešennyjprocent value of each asset or group of assets from the size of the own funds (capital) the insurer or any portion thereof).
     Investirovaniesobstvennyh funds (capital) is carried out independently or through insurers divestment in trust management company.
     (Item 2 in red.  Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067) 3. Insurers (with the exception of societies vzaimnogostrahovaniâ) must have fully paid authorized capital, the amount of which shall not be lower than the present law the minimum amount of the authorized capital (ed. Federal′nogozakona from November 29, 2007  (N) 287-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6048). the minimum amount of the authorized capital of the insurer performing exclusively medical insurance, is set in the amount of 60 million rubles.  Minimal′nyjrazmer an insurer's authorized capital is determined on the basis of the base size of its Charter capital, equal to 120 million rubles, and the following rates (as restated by federal law of26

November 2010 313 N-FZ-collection of laws of the Russian Federation, 2010, no. 49, St. 6409): 1-complete insurance facilities as provided in paragraphs 2-6 of article 4 of this law (ed. Federal′nogozakona of July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067);
     1-complete objects of insurance as provided in paragraphs 2 and 3 of article 4 of this law (the harm.  Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067);
     2-complete insurance of objects, under paragraph 1 of article 4 of this law (as amended by the Federal zakonaot July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067);
     2-complete insurance of objects provided for in clauses 1-3 of article 4 of this law (the harm.  Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067);
     4-for osuŝestvleniâperestrahovaniâ and takžestrahovaniâ combined with reinsurance companies.
     Minimal′nogorazmera change the insurer's authorized capital is only allowed by federal law no more than once in two years the mandatory establishment of transitional period.
     Amendment of the authorized capital borrowing and collateral is not permitted.
     3-1. a list of documents confirming compliance with this Act, capital requirements of the insurer, the insurance supervision authority is established (paragraph 3-1 was introduced by the Federal law of April 22, 2010  N 65-FZ-collection of laws of the Russian Federation, 2010, N 17, art. 1988; harm.
Federal law dated November 30, 2011 N 362-FZ-collection of laws of the Russian Federation, 2011, N, 49, St. 7040). 4. Insurers are required to comply with the requirements of financial stability and solvency in part of forming insurance reserves, the procedure and conditions for the investment of own funds (capital) and sredstvstrahovyh reserves, normativnogosootnošeniâ own funds (capital) and commitments, as well as other requirements established by the present law and regulations of the insurance supervisory authority.
     Head strahovaâorganizaciâ insurance group must also comply with the requirements referred to in the first subparagraph of this paragraph, on a consolidated basis.
     (Item 4 in red.  Federal law dated July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) 4-1. The procedure for calculating the insurance organization regulatory own funds ratio (capital) and commitments (including the definition of the indicators used for this calculation) insurance supervisory body (item 4-1 was introduced by the Federal zakonomot July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). 4-2. In slučaenarušeniâ insurance organization regulatory their ownof ratio (capital) and commitments it is obliged to submit insurance supervisory body plan of improvement of the financial situation, which requirements are set by the insurance supervision authority (item 4-2 was introduced by the Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067).
     4-3. in the rasčetenormativnogo ratio of own funds (capital) and commitments strahovaâorganizaciâ may consider it received subordinated loans in an amount not exceeding one-fourth of the magnitude of its own funds (capital).
     For the purposes of this Act, a subordinated loan refers to the involvement of the insurance organization of funds under the loan agreement, which contains the following terms and conditions: provision of insurance company funds is carried out for a period of not less than five years without pravaistrebovaniâ their zajmodavcem prior to the expiration of the specified period;
     ultimate veličinaprocentov earned on the loan amount may not exceed existing at the date of conclusion of the credit agreement (the loan agreement) of the Bank of Russia refinance rate, increased in 1.2 times.
     When opredeleniinormativnogo the ratio of own funds (capital) and the commitments made by the insurance organization may not take into account the subordinated loans received from other insurance companies. This provision does not apply to insurance companies that are affiliated and dependent companies insurance organization-the collateral.
     The amount of subordinated loans issued by the insurance company of its subsidiaries and dependent companies are excluded in the calculation of the regulatory own funds ratio (capital) of the commitments and the insurance company that issued these subordinated loans.
     (Para 4-3 vvedenFederal′nym Act of July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) 5. (Paragraph 5 no longer valid under federal law from July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067) (article 25 in red.  Federal law dated December 10, 2003 N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) article 26. Strahovyerezervy 1. To ensure fulfillment of obligations on insurance, reinsurance, coinsurance, vzaimnomustrahovaniû insurers based on actuarial calculations determine the amount, expressed in monetary terms of insurance reserves (forming insurance reserves) and provide their assets (means insurance reserves).  Funds of insurance reserves should be sufficient for fulfilment of the obligations of insurers to implement upcoming indemnities under contracts of insurance, coinsurance, poperestrahovaniû, mutual insurance and performance of other actions on maintenance of specified obligations (as amended by the Federal law of November 28, 2015  (N) 349-FZ-Sobraniezakonodatel′stva Russian Federation, 2015, N 48, art. 6715). 2. Forming insurance reserves by insurers is carried out in accordance with the rules of forming insurance reserves approved by the insurance supervisory authority and establish (as amended by the Federal law of November 28, 2015  (N) 349-FZ-Sobraniezakonodatel′stva Russian Federation, 2015, N 48, art. 6715): 1) types of insurance reserves, bound and the conditions of their formation;
     2) methods for calculating insurance reserves or their defining approaches;
     3) kpoloženiû requirements on forming insurance reserves;
     4) site containing the information necessary for the calculation of insurance reserves, and periods of storage of such documents;
     5) methodological support for the calculation of the share of reinsurers in insurance reserves;
     6) procedure for insurance supervision authority soglasovaniâs methods of calculation of insurance reserves, which differ from the rules of forming insurance reserves methods (including terms and conditions of such harmonization, the grounds for refusal in such agreement).
     3. the funds of the insurance reserves are used isklûčitel′nodlâ fulfillment of the obligations referred to in paragraph 1 of this article (in red.  Federal law of November 2015 of26 g.  (N) 349-FZ-collection of laws of the Russian Federation, 2015, N 48, art. 6715). 4. Tools insurance reserves are not subject to seizure in the budgets of the budget system of the Russian Federation (in red.  Federal law dated November 28, 2015  (N) 349-FZ-collection of laws of the Russian Federation, 2015, N 48, art. 6715). 5. Insurer obâzaninvestirovat′ and otherwise invest insurance reserves in terms of diversification, liquidity and profitability, repayment in accordance with the requirements of the insurance supervisory authority.  Insurers may not invest insurance reserves in bills of legal entities and natural persons and to issue loans at the expense of insurance reserves, except for the cases stipulated in paragraph 7nastoâŝej articles and regulations of the insurance supervisory authority.
     Insurance supervision authority depending on the specificities of the insurers, insurance types, introduction of new investment projects, sets the list of permissible investment assets, as well as the procedure for investing insurance funds, providing requirements for èmitentamcennyh securities or securities issues depending on the attribution of rankings, inclusion in the quoted organizatoramitorgovli lists on the securities market, the structure of assets in which funds allowed insurance reserves (including requirements providing for the maximum allowed percentage value of each asset or group of assets from the size of the insurance reserves or certain types of insurance reserves).
     6. Investirovaniesredstv insurance reserves are carried out by insurers independently or by transferring some of the funds in trust management company.
     7. When osuŝestvleniistrahovaniâ objects of personal insurance, under paragraph 1 of article 4 of this Act, the insurer is entitled to provide the policyholder-person business loan insurance reserve, formed under the insurance contract entered into for a term of not less than five years.
     The procedure and conditions for the provision of specified loan are set by the Treaty, concluded between the insurer and the insured.
     (Article 26 as amended.  Federal law dated July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) article 26-1. Peredačastrahovogo portfolio
 

     1. the insurer shall (except mutual insurance society) can pass, and in the cases stipulated by the legislation of the Russian Federation, is obliged to transfer the obligations under insurance contracts (insurance portfolio) to one insurer or more insurers (with the exception of the mutual insurance society), to satisfy the requirements of financial stability and ability to pay, taking into account the commitments and again having licenses for realization of kinds of insurance, which broadcast insurance portfolio (replacement of the insurer).
     In cases stipulated by the legislation of the Russian Federation, the transfer of the insurance portfolio is subject to consultation with the insurance supervisory authority in accordance with the established procedure.
     2. In sostavperedavaemogo insurance portfolio includes: 1) obligations under insurance contracts, relevant formed insurance reserves;
     2) assets covering insurance reserves formed prinimaemyedlâ.
     3. grounds dlâperedači insurer insurance portfolio are: 1) review ustrahovŝika license for insurance activity on the initiative of the insurance supervision authority;
     2) narušeniestrahovŝikom requirements of financial stability and solvency, which led to a deterioration in its financial condition, if the transfer of the insurance portfolio recovery plan platežesposobnostistrahovŝika;
     3) adoption by the insurer of a decision on reorganization or liquidation;
     4) prinâtiestrahovŝikom decision to voluntarily renounce the exercise insurance activity or certain types of insurance;
     5) exclusion of the insurer from the Union of insurers in cases stipulated by federal laws on certain compulsory insurance;
     6) other predusmotrennyefederal′nymi the laws of reason.
     4. the insurer, passing insurance portfolio, reports insurance portfolio, formed on the date of adoption of the decision on the transfer of the insurance portfolio, the composition specified in paragraph 2 of this article, including the obligations under insurance contracts in force at the date of adoption of the decision on the transfer of the insurance portfolio and insurance contracts that expired at the date of adoption of the decision on the transfer of the insurance portfolio, but that no insurer obligations are performed in fullvolume , together with the rights requirements payment of insurance premiums (insurance premiums) on specified insurance contracts, the insurer accepts the insurance portfolio. Obligation on one insurance contract may be transferred only one insurer.
     5. the value of assets to be transferred in structure of the insurance portfolio may be formed by insurance reserves or be more formed insurance reserves (transfer of the insurance portfolio with premium) or less than formed insurance reserves (transfer of the insurance portfolio with discount).
     Strahovogoportfelâ transfer allowance is permitted, if the amount of the allowance (the amount exceeding the value of the assets transferred over formed insurance reserves) exceeds the difference between the net asset value and the insurer's capital, sending insurance portfolio.
     Transfer of strahovogoportfelâ with discount is not allowed, if the value of the assets transferred in structure of the insurance portfolio is less than half passed insurance reserves (except in the case of insolvency (bankruptcy) of the insurer, the insurance portfolio, the transferor and other predusmotrennyhfederal′nymi laws).
     In case of insufficiency of assets to be transferred in structure of the insurance portfolio, the missing part of the assets can be offset by an Association of insurers under the conditions provided for by federal laws.
     Cost of assets to be transferred in structure of the insurance portfolio is determined by their book value or market value appraiser installed.
     6. transfer strahovogoportfelâ is carried out on the basis of the Treaty on the transfer of the insurance portfolio, the contract concluded between the insurer, the insurance portfolio, the transferor and the insurer, receiving insurance portfolio, as well as the Act of acceptance and transfer of the insurance portfolio. The content of these requirements of the Treaty and the Act of acceptance insurance supervision authority are established.
     7. the insurer, passing insurance portfolio, post notification of the intention to transfer the insurance portfolio on its Web site information and telecommunication network "Internet", publishes this notice in Gazette, defined by the insurance supervisory authority, and the two periodic pečatnyhizdaniâh, each of which is no less than ten thousand copies and which apply to the territory of activity of the insurer.   Notice of intention to transfer the insurance portfolio is also subject to the direction of insurance supervision authority for posting on his official website in the information and telecommunication network "Internet".
     8. notification onamerenii to transfer the insurance portfolio should contain: 1) the causes and porâdokperedači of the insurance portfolio;
     2) name (brand name) and location of the insurer accepts the insurance portfolio;
     3) information on the activities of the insurer accepts the insurance portfolio, and his financial situation provided by the insurer, receiving insurance portfolio;
     4) request for the value of the reserve in writing the consent of the insurer's replacement or refusing this change, indicating the deadline for the submission of such consent or refusal;
     5) clarification of the law to refuse to replace insurer and the consequences of such refusal.
     9. refusal to replace insurer shall result in premature termination of the insurance contract and refund to the policyholder the insurance premium part proportional to the difference between the date on which the insurance contract was concluded, and the period during which he acted, or the payment of the redemption amount of the life insurance contract.
     If poistečenii forty-five days from the date of posting the insurer passing insurance portfolio, notice of intention to transfer the insurance portfolio of insured nepolučen in writing a waiver of the replacement of the insurer, the insurance contract shall be subject to the transfer of the insurance portfolio composition.
     10. the insurer, passing insurance portfolio: 1) is perečen′dogovorov insurance obligations for which another insurer;
     2 verify conformity vprovedenii) insurance contracts to which the obligations are transferred to another insurer or other insurers, legislation of the Russian Federation;
     3) determines the size of the insurance reserves for insurance contracts, the obligations which are the insurer accepts the insurance portfolio, or in the case of the transfer of the insurance portfolio several insurers insurance reserves, falling on each insurer taking insurance portfolio;
     4) defines the types of istoimost′ assets to be transferred in structure of the insurance portfolio;
     5) osuŝestvlâeturegulirovanie relations with insurers, insured persons, beneficiaries on insurance cases filed applications for dissolution of insurance contracts and denials from replacement insurer originating prior to the date of transfer of the insurance portfolio, agreed by the parties to the Treaty on the transfer of the insurance portfolio;
     6) notifies the reinsurers on the forthcoming transfer of the insurance portfolio;
     7) exercises other obligations arising from the Treaty on the transfer of the insurance portfolio actions.
     11. The insurer accepts the insurance portfolio: 1) organizes the conformity to insurance contracts, commitments by them under the Treaty on the transfer of the insurance portfolio, the legislation of the Russian Federation;
     2) predostavlâetstrahovŝiku, sending insurance portfolio, information on its activities and its financial situation;
     3) reports the reinsurers on the replacement certificate of reinsurance contracts entered into by the insurer, the insurance portfolio, the transferor and the acceptance of responsibility for the execution of insurance contracts that are included in the insurance portfolio was passed;
     4) exercises other obligations arising from the Treaty on the transfer of the insurance portfolio actions.
     12. If the insurer's insurance rules, enacting insurance portfolio, do not conform to the rules of insurance of the insurer, the insurance portfolio, the transferor, the insurer that received the insurance portfolio, performs the obligations under insurance contracts included in the insurance portfolio was passed, under the conditions in which they were concluded, and sends a notification to the insurance supervisory authority.
     The insurer is entitled to portfolio prinâvšijstrahovoj agree on improving conditions of insurance contracts with insurers in their favour, as well as in favor of beneficiaries izastrahovannyh individuals and make appropriate changes in insurance contracts in accordance with the procedure established by the legislation of the Russian Federation.
     After signing the Act of acceptance and transfer of the insurance portfolio the insurer accepts the insurance portfolio may not challenge the composition adopted by the insurance portfolio, the volume of received obâzatel′stvi cost of assets.
     13. After podpisaniâakta of acceptance insurance portfolio message on completion of the transfer of the insurance portfolio information on the insurer, which has acquired insurance portfolio, and the date of commencement of performance of the obligations under insurance contracts included in the passed insurance portfolio should be:

     1) posted in tečenietreh working days on the insurer's website, sending insurance portfolio and website of the insurer accepting insurance portfolio, information and telecommunication network "Internet";
     2) posted within fifteen working days, the insurer accepted the insurance portfolio, the Gazette, a specific body of insurance supervision, and two periodicals, the circulation of which is not meneečem ten thousand copies and which apply to the territory of activities specified by the insurer.
     14. from the day podpisaniâakta acceptance of the insurance portfolio to the insurer accepts the insurance portfolio, pass vseprava and obligations under insurance contracts.
     15. on the expiry of three months from the date of signing of the Act of acceptance and transfer of the insurance portfolio prinâvšijstrahovoj portfolio of the insurer is obliged to bring the composition and structure of assets, which are own funds (capital) and insurance reserves, in compliance with the requirements established by this Act and regulations of the insurance supervisory authority.
     16. the present article procedures for the transfer of the insurance portfolio also applies in cases of transfer of reinsurance portfolio.
     (Article 26-1 vvedenaFederal′nym Act of July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) article 26-2. Securities ihranenie account being taken to pokrytiâstrahovyh reserves and own funds (capital) of the insurer. Monitoring of aktivamistrahovŝika 1. The securities taken for covering insurance reserves and own funds (capital) of the insurer, which operates on types of insurance specified in subparagraphs 2, 3 of paragraph 1 of article 32 i24-9 of this Act, must be taken into account and (or) be stored in specialized depository.
     2. Specialized depositary of the insurer may be a legal entity licensed depository activity and a license to operate a specialized depositary of investment funds, mutual funds and private pension funds.
     Specialized depositary should carry out separate accounting of securities taken for covering insurance reserves and own funds (capital) of the insurer, by opening and maintaining separate custody accounts.
     3. Provision of services pohraneniû and accounting the securities, which are a means of insurance reserves and own funds (capital) of the insurer, as well as a daily monitoring of compliance with the restrictions on the placement of funds insurers insurance reserves and own funds (capital), requirements to the composition and structure of assets taken to cover the insurance reserves and own funds (capital) of the insurer, the rules of posting sredstvstrahovyh reserves and own funds (capital) of the insurer that are established by federal laws, other normative legal acts and regulations of the insurance supervision authority, carried out specialized depositary under a contract with the insurer and with the management company (slučaeee bringing the insurer to provide uslugpo placement of insurance reserves and (or) own funds (capital) of the insurer) of the contract on rendering of services specialized depository in accordance with the requirements and procedures established by the authority of insurance supervision.   Specialized depository is obliged to carry out such monitoring in accordance with the approved regulations for them, which should contain rules for monitoring the composition and structure of assets taken to cover the insurance reserves and own funds (capital) of the insurer, forms used documents and document management procedure in carrying out such controls (as amended by the Federal law dated June 29, 2015 N 210-FZ-collection of laws of the Russian Federation, 2015, N 27 , art. 4001). In every moment of vremeniuslugi specialized depositary of the insurer may be only one legal entity licensed.
     Specialized depositary shall be liable to the insurer for improper performance of the duties assigned to him in accordance with the legislation of the Russian Federation.
     In the case of pričineniâuŝerba insured persons as a result of failure to perform the duties provided for in this paragraph for the verification the insurer and (or) the management company of the insurer claims to the composition and structure of assets taken to cover the insurance reserves and own funds (capital), solidarnuûotvetstvennost′ the custodian is specialized with the insurer and/or the management company of the insurer.
     4. Information on the conclusion of the contract a specialized depositary, on the termination of such a contract, as well as about the changes that you made to the insurer appears to be in the insurance supervision authority within the term not prevyšaûŝijtreh working days from conclusion of the contract a specialized depositary, its termination or modification.
     5. Treaty on the okazaniiuslug specialized depositary cease: 1) by agreement of the parties from the date provided for in this agreement;
     2) in the case of otzyvalicenzii with the insurer at the end of six months from the date of revocation;
     3) in the case of revocation of a licence at a specialized depositary after the date of entry into force of the decision on revocation of license;
     4) in the case of the Elimination of specialized depository since the adoption of the decision on liquidation of a specialized depositary;
     5) in case of refusal of one side of the Treaty from the date provided for in the Treaty;
     6) after srokadejstviâ of the Treaty.
     6. Information on the termination of the contract on rendering of services specialized depositary promptly submitted by the insurer in the insurance supervision authority together with the reasons for the termination of the contract.
     In the event of termination of the contract on rendering of services specialized depositary, the latter shall transmit to the other one, defined by the insurer, a specialized depositary of securities accepted for coverage of insurance reserves and own funds (capital) of the insurer, documents confirming the right of the insurer to the property, and information about other aktivahstrahovŝika taken to cover the insurance reserves and own funds (capital) of the insurer, as well as a list of irregularities identified specialized depositary and not resolved by the insurer and/or the management company of the insurer.
     The insurer provides continuity of specialized depositary functions monitoring of assets taken to cover the insurance reserves and own funds (capital) of the insurer, the requirements ksostavu and structure of such assets.
     Upon refusal of one side of the contract on rendering of services specialized depositary of the other party must be notified at least three months prior to the termination of this Treaty, unless otherwise provided for by federal law.
     7. In connection with the activities of the osuŝestvleniemsvoej in accordance with the present law, specialized depository is entitled to receive from the insurer and its managing companies up-to-date and reliable information about the assets being taken to cover the insurance reserves and own funds (capital) of the insurer.
     8. Specializirovannyjdepozitarij shall: 1) osuŝestvlât′ežednevnyj monitoring the composition and structure of assets taken to cover the insurance reserves and own funds (capital) of the insurer, the requirements of this Act, other legislation and regulations, the insurance supervision authority;
     2) osuŝestvlât′učet and custody of securities the insurer, storage of documents, confirming the right sobstvennostistrahovŝika on the property taken for the cover of insurance reserves and own funds (capital) of the insurer (if for certain types of property normative legal acts, the regulations of the insurance supervision authority not otherwise provided), as well as storing information about other assets taken to cover the insurance reserves and own funds (capital) of the insurer, in the manner prescribed by the insurance supervisory authority;
     3) osuŝestvlât′kontrol′ for the definition of the value of the assets being taken to cover the insurance reserves and own funds (capital) of the insurer and a list drawn up by the insurance supervisory authority;
     4) (subparagraph 4 lost effect on the grounds of the Federal law dated June 29, 2015  N 210-FZ-collection of laws of the Russian Federation, 2015, N 27, art. 4001) 5) to notify the insurance supervision authority, insurer and management companies, attracted by the insurer to provide services on placing funds of insurance reserves and own funds (capital) of the insurer, revealed in the course of monitoring violations of the requirements of this Act, other legislation and regulations, the insurance supervision authority pozdneetreh not working days following the day of their identification;
     6) to submit to the authority of insurance supervision and reporting to the insurer in the manner and within the period prescribed insurance supervision authority;
     7) obespečivat′peredaču their rights and responsibilities in respect of assets taken to cover the insurance reserves and own

funds (capital) of the insurer, other specialized depositary in the case of termination or early termination of the contract on rendering of services specialized depositary in the manner and within the period prescribed by such a treaty;
     8) do not combine their specialized depositary activities with other kinds of licensable activities, with the exception of Depositary activity and the activity of the credit institution, taking into account the requirements of paragraph 9 of this article;
     9) take measures to prevent the implementation of the conflict of interest in its operations in the event of its affiliation with the insurer to which it provides services;
     10) does not have the composition of shareholders (participants) of the organization registered in countries or territories where no provision is made in the disclosure and provision of information when conducting financial transactions;
     11) submit to the insurer's revizionnuûkomissiû documents required for its activities;
     12) to disclose information about the structure and composition of its shareholders (participants) in the manner and within the period prescribed insurance supervision authority;
     13) use when interacting with the insurer, management companies, insurance supervision authority, documents in electronic form, electronically signed;
     14) comply with other requirements under this law, other legal acts and regulations of the insurance supervisory authority.
     9. specialized depositories may not exercise the functions of the settlement depository on the securities market.
     If a specialized depository credit organization, he is obliged to comply with requirements for combining the activities of the credit institution and the activities of specialized depositary established insurance supervision authority.
     (Article 26-2 Federal′nymzakonom has been introduced from July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) article 27.  (Repealed based on Federal′nogozakona from December 10, 2003  N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) article 28. Iotčetnost′ accounting 1. Insurers maintain accounting constitute accounting (financial) statements, statistical reports, as well as other statements necessary for the osuŝestvleniâkontrolâ and the supervision in the sphere of insurance activity (hereinafter supervisory reporting).
     2. In reporting on oversight reveals the following information: 1) regulatory own funds ratio (capital) of the insurer and commitments;
     2) composition and the amount formed insurance reserves and their changes;
     3) composition and strukturaaktivov, which are own funds (capital) of the insurer;
     4) composition and structure of assets, which are a means of insurance reserves of the insurer;
     5) reinsurance operations with information about perestrahovatelâh and reinsurance;
     6) strukturafinansovogo the result of activity of the insurer for individual types of insurance;
     7) composition of shareholders (participants) and their share in the authorized capital of the insurer;
     8) other information established by the regulations of the insurance supervisory authority.
     3. kbuhgalterskomu Requirements accounting insurance, coinsurance and reinsurance, mutual insurance (including features of accounting plan), and also features formirovaniâinformacii disclosed in the financial statements of insurers, including sample forms of accounting (financial) statements, ustanavlivaûtsâfederal′nymi and (or) industry standards, approved in the manner prescribed by the Federal law of 6 dekabrâ2011 N 402-FZ "on accounting" (as amended by the Federal law of21 July 2013 N 234-FZ-collection of laws of the Russian Federation , 2013, N 30, art. 4067). 4. Insurers account for statistical reporting and oversight reporting on forms and in a manner established by the authority of insurance supervision, and represent this reporting in organstrahovogo (in red.  Federal′nogozakona of July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). insurers sostavlâûtbuhgalterskuû (financial) reporting in accordance with the legislation of the Russian Federation about accounting, federal and (or) industry standartamii are the statements in the insurance supervision authority order and within the period prescribed by such body (as amended by the Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067).
     Insurance brokers account for statistical reporting on forms and in a manner established authority strahovogonadzora, and provide accountability in insurance supervision authority (as amended by the Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). Conditions and reporting formats of insurers and insurance brokers in the form of electronic documents, control the ratio of its pokazatelejustanavlivaûtsâ and brought to the attention of insurers and insurance brokers insurance supervision authority not later than the last day of the respective otčetnogoperioda by posting the information on an official site of the organav information and telecommunication network "Internet".
     4-1. Headache strahovaâorganizaciâ insurance group is obliged to submit insurance supervisory authority reporting by way of supervision on a consolidated basis according to the forms in the order and furnish, established insurance supervision authority (item 4-1 was introduced by the Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067).
     5. Insurance Supervision Authority puts on its official website in the information and telecommunications seti"Internet" a summary of the activities of the insurance business, as well as the information contained votčetnosti subjects of insurance business (in red.  Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). 6. Accounting postrahovaniû personal insurance facilities provided for under paragraph 1 of article 4 nastoâŝegoZakona (life insurance operations), and other objects of insurance učetoperacij insurance (insurance other than life insurance) are maintained separately (as amended by the Federal law dated July 23, 2013 N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067).
     (Article 28 in red.  Federal law dated November 30, 2011  N 362-FZ-collection of laws of the Russian Federation, 2011, N, 49, St. 7040) article 28-1. Vnutrennijkontrol′ 1. The insurer shall organise a system of internal controls that provides the following objectives: 1) efficiency and effectiveness (including break even) of financial and economic activity of the insurer in the Commission of insurance and other operations;
     2) èffektivnost′upravleniâ assets, including security, own funds (capital), insurance reserves and other obligations of the insurer;
     3) èffektivnost′upravleniâ the insurer's risk (identification, risk assessment, determination of acceptable levels of risks assumed by the insurer, the adoption of measures for the maintenance of the level of risk, not threatening fiscal sustainability and solvency of the insurer);
     4) as to the accuracy, completeness, objectivity of accounting (financial) statements, statistical reporting, oversight and reporting timeliness of drafting and predstavleniâtakoj reporting;
     5) observance of insurer's employees ethical norms, the principles of professionalism and competence;
     6) protivodejstvielegalizacii (laundering) of proceeds received by criminal way and terrorism financing in accordance with the legislation of the Russian Federation.
     2. Internal control in accordance with the mandate defined by the founding documents and internal organizational-administrative documents the insurer shall carry out: 1) upravleniâstrahovŝika;
     2) Internal Audit Commission (internal auditor) of the insurer;
     3) Chief buhgalterstrahovŝika (his affiliated persons);
     4) internal auditor (internal audit service) of the insurer;
     5) special′noedolžnostnoe person, a structural unit responsible for observance of rules of internal control and the implementation of programmes for its implementation, in accordance with the legislation of the Russian Federation on combating the legalization (laundering) of proceeds received by criminal way and terrorism financing;
     6) actuary;
     7) other workers istrukturnye unit of the insurer in accordance with the mandate defined by the internal organisational and administrative documents of the insurer.
     (Art. 28-1 vvedenaFederal′nym Act of July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) article 28-2. Vnutrennijaudit 1. In order to ensure an adequate level of reliability of internal control, evaluate its effectiveness and verify that the business of the insurer with the legislation of the Russian Federation (including insurance law), rules and standards associations of insurers, provisions of their internal organizational-administrative documents the insurer shall organize

internal audit, which assigns official (hereinafter internal auditor) or creates a structural subdivision (hereinafter internal audit service).
     2. To organize internal auditing the insurer approves the regulation on organization and implementation of internal audit (hereinafter referred to as the Statute of internal audit), which must contain: 1) objectives and audit zadačivnutrennego;
     2) internal audit objects in accordance with the risk management models of the insurer;
     3) forms and audit metodyvnutrennego;
     4) procedure dejstvijvnutrennego auditor, internal audit service in the event of irregularities and shortcomings in the activities of the insurer;
     5) the orezul′tatah audits reporting forms and order submission;
     6) monitoring procedure (including for repeated checks) for the adoption of measures to rectify identified by the internal auditor, internal audit service violations and shortcomings in the activities of the insurer;
     7) porâdokinformirovaniâ of shareholders (participants) of an insurance company, mutual insurance society members about all the violations perpetrated by the insurer in the case of authorities taking decisions on matters within the competence of the general meeting of shareholders (participants) of an insurance company, as well as of the general meeting of members of the mutual insurance society;
     8) powers, rights and duties of the internal auditor, the internal audit service;
     9) form and manner of implementation of risk assessment and evaluation of the effectiveness of risk management;
     10) implementation and evaluation of the feasibility and efficiency of transactions, transactions;
     11) form and manner of implementation ensuring the safeguarding of assets;
     12) form and porâdokučastiâ in the analysis of a financial condition of the insurer;
     13) other not contradicting to the legislation of the Russian Federation regulations.
     3. internal audit Position approved by the Board of Directors (Supervisory Board) of an insurance company, or in his absence the general meeting of shareholders (participants) of the insurance company, the general meeting of members of society vzaimnogostrahovaniâ.
     4. the internal auditor, the head of the internal audit service are appointed to their posts and dismissed from Office by decision of the Board of Directors (Supervisory Board), the insurance company, mutual insurance society Board, are subject to and are accountable to the Board of Directors (Supervisory Board), the insurance company, the general meeting of members of the mutual insurance society or, in the absence of a Board of Directors (Supervisory Board) of an insurance organization are appointed and dismissed by the basis of the decision of the general meeting of shareholders (participants) of an insurance organization are subject to and are accountable to the general meeting of shareholders (participants) of an insurance organization.
     5. For a person appointed to the post of internal auditor, head of internal audit service, the combination of posts is not permitted.
     Internal auditor, head of internal audit service can be included in the composition of the Audit Commission of the insurer.
     The internal auditor, the Director and employees of the internal audit service that previously occupied positions in drugihstrukturnyh units of insurer, may participate in the audit of these structural subdivisions istečeniidvenadcati months from the date of completion of work in these departments.
     6. the internal auditor, the internal audit service shall have the following powers: 1) check and ensure the effective functioning of the internal control system of the insurer;
     2) verify that the business of the insurer with the legislation of the Russian Federation, regulation and standards associations of insurers, constitutive documents and internal organizational-administrative documents of the insurer;
     3) verify compliance with the insurer's internal control rules and programmes for its implementation, in accordance with the legislation of the Russian Federation on combating the legalization (laundering) of proceeds received by criminal way and terrorism financing;
     4) proverâûtdostovernost′, completeness, objectivity of reporting or other requested information and timeliness of its presentation of structural subdivisions of the insurer (including detached units) in the insurer's management bodies and shareholders (participants) of the insurer;
     5) have an analysis of the causes of audit identified irregularities and shortcomings in the activities of the insurer;
     6) give recommendations to prevent similar abuses and deficiencies identified through inspection violations and shortcomings in the activities of the insurer;
     7) carry out a risk assessment and evaluation of the effectiveness of risk management;
     8) carry out an assessment of the feasibility and efficiency of transactions, transactions;
     9) osuŝestvlâûtproverku safeguarding assets;
     10) participate in the analysis of a financial condition of the insurer and the elaboration of a list of measures to prevent bankruptcy;
     11) agree on reports, including interim, on the implementation of each action plan, restore solvency of the insurer;
     12) review the accuracy, completeness, objectivity of represented insurance supervision authority, federal bodies of executive power reporting, information, including the plan to restore solvency of the insurer, and reports, including intermediate, on the implementation of each event, the insurer's solvency restoration plan, and monitor the timeliness of such a view.
     7. the internal auditor, the internal audit service shall have the right to: 1) osuŝestvlât′proverki in all directions of activity of the insurer, including the activities of branches, representative offices and other separate subdivisions, as well as any structural unit of insurer and (or) an employee of the insurer;
     2) receive from the managers and employees of structural subdivisions of the insurer documents, materials and information necessary for the exercise of its powers;
     3) have access to vsemdokumentam, materials and information, including information in computer files without pravavneseniâ.
     8. the internal auditor, the internal audit service shall: 1) ensure safety and return derived from the structural units of insurer documents, materials and information;
     2) confidentiality of information obtained in the exercise of its powers;
     3) inform about all cases detected through inspection violations and shortcomings of the sole executive body of the insurer the insurer, the insurer's collective executive body, head of structural Division of the insurer, which revealed violations and shortcomings;
     4) monitor measures to rectify identified violations and deficiencies and compliance with recommended by the internal auditor, internal audit service measures to prevent similar violations and shortcomings in the activities of the insurer.
     9. Based on the results of audits by the internal auditor, the internal audit service accounted for quarterly reports, which are submitted to the insurer's management bodies and annual reports, which are available at the annual general meeting of shareholders (participants) of the insurance organization, members of the mutual insurance society. Along with information about the audit identified irregularities and shortcomings in the activities of the insurer and the impact these reports shall contain information ohode resolve previously identified violations and shortcomings.
     In case of detection of porezul′tatam checks of violations in the form of governing bodies of an insurance company decisions on issues within the competence of the general meeting of shareholders (participants) of the insurance organization, the internal auditor, the head of the internal audit service shall notify in writing of shareholders (participants) of the insurance organization, with more than one per cent of the shares (shares of participation in the share capital of an insurance organization), not later than within fifteen days from the date of detection of such violations.
     10. On insurance supervision zaprosuorgana the insurer is obliged to submit reports of the internal auditor, internal auditing services within the deadlines established by this request.
     (Art. 28-2 vvedenaFederal′nym Act of July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) article 29. Obâzatel′nyjaudit and publication of the annual financial statements of the insurer 1. Godovaâbuhgalterskaâ financial statements of an insurer subject to mandatory audit.
     2. Auditorskoezaklûčenie on the annual financial statements of the insurer should contain a section on the implementation of the insurer financial strength and solvency requirements established by the present law and regulations of the insurance supervision authority, and on the effectiveness of the internal control system of the insurer (as amended by the Federal law dated November 4, 2014  N 344-FZ-collection of laws of the Russian Federation, 2014, (N) 45, St. 6154). 3. The insurer is in the insurance supervision authority opinion referred to in paragraph 2 of this article, however, sgodovoj

accounting (financial) statements.
     4. Godovaâbuhgalterskaâ financial statements of an insurer subject to mandatory publication no later than 1 July of the year following the reporting month, together with the conclusion of the specified selected 2 of this article.
     5. Godovaâbuhgalterskaâ (financial) reporting of the insurer shall be deemed published if it's posted on the official website of the insurer in the information and telecommunications network, Internet or published in the media that are available for this accountability.
     6. Information about the publication of the annual financial statements of the insurer the insurer shall be communicated to the Vorgan insurance supervision in the manner prescribed by such authority.
     7. Auditorskoezaklûčenie on the annual financial statements of the insurer performing insurer financial strength and solvency requirements and on the effectiveness of the internal control system of the insurer shall be published together with this reporting (in the redaction of Federal′nogozakona from November 4, 2014 N 344-FZ collection zakonodatel′stvaRossijskoj Federation, 2014, N 45, art. 6154).
     (Article 29 as amended.  Federal law dated July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) chap. IV. SUPERVISION of INSURANCE BUSINESS SUBJECTS (name as amended by the Federal law of December 10, 2003  N 172-FZ-Sobraniezakonodatel′stva Russian Federation, 2003, no. 50, art.  4858; Federal law dated July 23, 2013 N 234-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, N 30, art.
4067) article 30. Supervision zadeâtel′nost′û subjects strahovogodela (name of harm.  Federal law dated July 23, 2013 N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) 1. Supervision zadeâtel′nost′û subjects of insurance business (hereinafter insurance supervision) is for the purpose of compliance with insurance legislation, the prevention and suppression of narušenijučastnikami relations governed by this law, insurance law, protect the rights and legitimate interests of policyholders and other interested persons and the State, effective development of insurance business (in red.  Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). 2. Insurance supervision is carried out on the principahzakonnosti, publicity and institutional unity.
     3. Insurance supervision is carried out by the Bank of Russia (as amended by the Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067).
     Insurance supervisory authority publishes in particular they Gazette and (or) places on its official website in the information and telecommunication network "Internet" (as amended by the Federal law of March 7, 2005  N 12-FZ-collection of laws of the Russian Federation, 2005, N 10, art.  760;
Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067): 1) clarify issues related to insurance supervision authority (as amended by the Federal law of March 7, 2005 N 12-FZ-collection of laws of the Russian Federation, 2005, N10, p. 760);
     2) information from the unified State Register of subjects of insurance reestraob″edinenij insurance business entities (in red.  Federal law dated March 7, 2005  N 12-FZ-collection of laws of the Russian Federation, 2005, N 10, art. 760);
     3) acts obograničenii, suspension or ovozobnovlenii license for insurance activities (as amended by the Federal law of March 7, 2005  N 12-FZ-collection of laws of the Russian Federation, 2005, N 10, art. 760);
     4) acts on the revocation of the licence for insurance activities (as amended by the Federal law of March 7, 2005 N12-FZ-collection of laws of the Russian Federation, 2005, no. 10, p. 760);
     5) other information on supervision and control in the sphere of insurance activity (insurance business) (as amended by the Federal law of March 7, 2005  N12-FZ-collection of laws of the Russian Federation, 2005, N 10, art. 760);
     6) regulations, adopted by the insurance supervisory authority in accordance with this law and other federal laws (in red.  Federal law dated March 7, 2005  N 12-FZ-collection of laws of the Russian Federation, 2005, N 10, art.  760;
Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). 4. Insurance nadzorvklûčaet: 1) licensing of insurance and maintaining a unified State Register of subjects strahovogodela, registry Association insurance business entities (in red.  Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067);
     2) zasoblûdeniem control of the insurance legislation, including through on-site inspections of activities of insurance, idostovernosti of their reporting, as well as the insurers of their financial stability and solvency;
     3) issuance within 30 days the stipulated by the present law permits to increase the size of statutory capital of insurance organizations financed by foreign investors to commit in the presence of foreign investors ' transactions on alienation of shares (interests in Charter capital) insurance organizations, otkrytiepredstavitel′stv foreign insurance, reinsurance, brokerage and other organizations active in the field of insurance, as well as the opening of branches of insurers with foreign investments;
     4) (subparagraph utratilsilu 4 on the basis of the Federal law of March 7, 2005  N 12-FZ-collection of laws of the Russian Federation, 2005, N 10, art. 760) 5) (subparagraph repealed 5 on the basis of the Federal law of March 7, 2005  N 12-FZ-collection of laws of the Russian Federation, 2005, N 10, art. 760) 6) decision onaznačenii of the Transitional Administration, to suspend and obograničenii powers of the executive body of the insurer in the cases and pursuant to procedure established by the Federal law "on Insolvency (bankruptcy)" (subparagraph 6 was introduced by the Federal law of April 22, 2010  N 65-FZ-collection of laws of the Russian Federation, 2010, N 17, art. 1988). 5. Strahovogodela entities are obliged to: 1) comply with the law trebovaniâstrahovogo;
     2) predstavlât′ustanovlennuû accounts of its activities, information on their financial situation, as well as documents and information in accordance with the legislation of the Russianfederation, including legislation on Insolvency (bankruptcy);
     3) to carry out the requirements of the insurance supervision authority to rectify violations of insurance legislation and submit within the prescribed time frame requirements such information and documents confirming compliance of such regulations;
     4) represent the insurance supervisory authority on request in the terms set out in the requests for information and documents necessary for the implementation of insurance supervision, including its financial situation;
     5) represent the supervisory organstrahovogo a copy of the provisions on branches and offices outside the location of the subject of the insurance business, with an indication of their addresses (with), as well as copies of documents confirming the powers of their leaders;
     6) obespečit′vozmožnost′ the provision in the insurance supervision authority of electronic documents, as well as the possibility of obtaining the insurance supervision authority of electronic documents in the čislečerez personal account on the official website of the insurance supervision authority in the field of information and telecommunications network "Internet" in accordance with the Federal law of July 10, 2002 N 86-FZ "OCentral′nom Bank of the Russian Federation (Bank of Russia)" (subparagraph 6 was introduced by the Federal law dated July 13, 2015  N 231-FZ-collection of laws of the Russian Federation, 2015, N 29, art. 4357, enters in force from February 9, 2016).
     (Item 5 in the red.  Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067) 5-1. In order to identify risks of insolvency insurance entities insurance supervisory authority in accordance with the established procedure monitors the activities of the insurance business using financial indicators (ratios), harakterizuûŝihfinansovoe subjects of the insurance business, and their resistance to internal and external risk factors.
     Monitoring of activities of insurance insurance supervisory authority is carried out on the principles of independence, objectivity, common application pravilustanovleniâ requirements to subjects of insurance, comprehensiveness, timeliness and validity of the evaluation of their activities.
     (Para 5-1 was introduced by the Federal law dated 23 iûlâ2013 g.  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067) 6. Prescriptions and insurance supervision authority requests are sent to the subjects of insurance business by mail, facsimile or by delivery to the addressee or in the form of electronic documents signed with a reinforced qualified electronic signature, OK, installed organomstrahovogo oversight.  When the direction of prescriptions and requests organastrahovogo

supervision of insurance entities in the form of electronic documents and data shall be deemed received poistečenii requests to one working day from the day they are sent to the addressee in the manner prescribed by the organomstrahovogo supervision, provided that the insurance supervision authority has received an acknowledgement of receipt of the said regulations and requests by a procedure established by a statute (paragraph 6vveden of the Federal law dated July 13, 2015 N 231-FZ-collection of laws of the Russian Federation , 2015, N 29, art.  4357, enters in force from February 9, 2016).
     (Article 30 in red.  Federal law dated December 10, 2003 N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) article 31. Presečeniemonopolističeskoj activity and unfair competition in the insurance market of prevention, control and suppression of monopolistic activity and unfair competition in the insurance market is provided by the Federal Antimonopoly body in accordance with the antimonopoly legislation of the Russian Federation (as amended by the Federal law of December 10, 2003  N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858). Article 32. licensing of strahovogodela 1. The license for realization of insurance, reinsurance, mutual insurance, brokering activities as an insurance broker (hereinafter licence)-special authorization to carry on insurance business, insurance supervision predostavlennoeorganom subject of the insurance business.
     2. The licence shall be issued: 1) strahovojorganizacii on: dobrovol′nogostrahovaniâ life;
     voluntary personal insurance, except voluntary life insurance;
     dobrovol′nogoimuŝestvennogo insurance;
     type of insurance, which is provided for by federal law okonkretnom the form of compulsory insurance (in red.  Federal law July 2014 of19 g.  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     reinsurance reinsurance treaty requires the adoption of obligations under insurance payment;
     2) reinsurance organization to exercise reinsurance;
     3) society for the implementation of vzaimnogostrahovaniâ mutual insurance in the form of voluntary insurance, and in cases where, in accordance with the Federal law on the specific form of compulsory insurance company has the right to carry out compulsory insurance, in the form of compulsory insurance;
     4) insurance broker for intermediary activities as an insurance broker.
     3. For applicant polučeniâlicenzii license for conducting insurance, reinsurance is insurance supervision body: 1) statement opredostavlenii license;
     2) učreditel′nyedokumenty of the license applicant;
     3) document ogosudarstvennoj the license applicant registration as a legal entity;
     4) Protocol sobraniâučreditelej approving the incorporation documents of the applicant a license and approval of the post of sole executive body, the Manager (s) of the company's collective executive body of the license applicant;
     5) information about the sostaveakcionerov (participants);
     6) documents confirming payment of the full amount of the authorized capital;
     7) ogosudarstvennoj documents of registration of legal entities, are the founders of the subject of the insurance business, the auditor's conclusion about the veracity of their financial statements for the last otčetnyjperiod, if such persons there is a compulsory audit;
     8) oedinoličnom executive body, head of the company's collective executive body, head of the branch, chief accountant with the application documents confirming compliance with these persons and other qualification requirements established by the present law, information about the head of the internal audit Commission (internal auditor) of the license applicant;
     9) obaktuarii;
     10) documents (soglasnoperečnû, established by regulatory acts of the insurance supervisory authority), confirming sources of origin of funds made by the license applicant's founders-individuals in the authorized capital;
     11) information about the internal auditor, the head of the internal audit service of the license applicant with the application documents confirming their compliance with qualification and inymtrebovaniâm, established by the present law;
     12) position ovnutrennem audit;
     13) documents confirming license applicant compliance requirements established by the legislation of the Russian Federaciio State secret (in case the trebovanieustanovleno law);
     14) other documents confirming license applicant compliance requirements established by federal laws on certain compulsory insurance (in cases where federal laws contain additional requirements for insurers).
     4. Applicants licenses registered in the unified State Register of subjects of insurance are not required to submit the documents of the insurance supervisory authority specified in subparagraphs 2-9 item 3 of this article and the insurance supervisory authority, if no changes have been made in them.
     5. In order to obtain a license for implementation of mutual insurance license applicant (non-profit organization) is in the insurance supervision authority: 1) statement opredostavlenii license;
     2) Charter obŝestvavzaimnogo insurance;
     3) document ogosudarstvennoj mutual insurance society registration as a legal entity;
     4) Chairman of the Board, Executive Director, chief accountant with the application documents confirming compliance with these persons and other qualification requirements established by the present law, information on the chairmanship of the internal audit Commission (internal auditor), the internal auditor of the mutual insurance society;
     5) oûridičeskih persons-members of the mutual insurance society, together with an indication of the property interests in order to protect that created mutual insurance society;
     6) position ovnutrennem audit;
     7) information obaktuarii.
     6. In order to obtain a license for implementation of mediation as an insurance broker license applicant represents insurance supervisory authority: 1) statement opredostavlenii license;
     2) document ogosudarstvennoj the license applicant registration as a legal entity or an individual entrepreneur;
     3) učreditel′nyedokumenty of the license applicant who is a legal person;
     4) information orukovoditele and Chief Accountant of an insurance broker who is a legal person or an insurance broker-an individual entrepreneur with the application documents confirming compliance with these persons and other qualification requirements established by the present law;
     5) garantiûili the Bank documents confirming their own funds and to guarantee performance of the obligations of the insurance broker in accordance with paragraph 8, paragraph 6, article sixth hereof.
     7. the documents indicated in subparagraphs 2, 3, 6, 7, 8 and 11, subparagraphs (part of documents on education) of paragraph 3, subparagraphs 2.3, subparagraph 4 (part of documents on education) of paragraph 5, subparagraphs 2, 3, subparagraph 4 (part of documents on education) of item 6 of this article shall be submitted in the form of notary attested copies.
     In the case of eslidokumenty, those referred to in subparagraphs 3, 7 paragraph 3, subparagraph 3 of paragraph 5, subparagraph 2 of paragraph 6 nastoâŝejstat′i are not represented by the competitor licenses, insurance supervision authority upon request, the federal body of executive power responsible for the State registration of legal entities and individual entrepreneurs, provides information, confirming the fact of the recording of the information on the legal entity or an individual entrepreneur in the corresponding State Register.
     Zaâvleniûo requirements for the grant of a license, as well as to the particulars and documents referred to in subparagraphs 5, 8, 9 and 11 paragraph 3, subparagraphs 4 and 7 punkta5, subparagraph 4 of paragraph 6 of this article, including their typical forms, insurance supervision authority are established.
     8. Soiskatelilicenzij, are subsidiaries vis-à-vis foreign investors (the primary organizations) or having a share of foreign investors in their Charter capital of more than 49 percent, in addition to the documents specified in punkte3 of this article are in the order established by the legislation of the country of the place of establishment of foreign investors, consent in writing to the relevant supervisory body for insurance supervision institutions of the country to foreign investors ' participation in the Charter capital of insurers established on the territory of the Russian Federation, or notify the insurance supervision authority about absence of requirements for such consent in the country of the place of establishment of foreign investors.
     9. Defined in this article, the lists of documents submitted by license applicants for licences, are exhaustive, except if the federal laws on certain compulsory strahovaniâpredusmotreny additional requirements for insurers.   In order to verify the information received, the insurance supervision authority vpravenapravlât′ in the organization requests in writing of grant (business their competence) information concerning documents submitted

applicant licence in accordance with the legislation of the Russian Federation.
     10. In case of inconsistency between the applications for licenses and other documents to the requirements set out in paragraph 7 of this article and (or) the submission of the applicant the license documents that are listed in this article and should be attached to the statement, not the full insurance supervision authority within three working days of their receipt of a license applicant shall send notice in writing of the need to eliminate the revealed violations within 30 days, and (or) the submission of the applicant document license in full.
     In the absence of the submission of the applicant within 30 days license issued in due form applications for licenses and (or) fully annexed documents previously submitted statement of predostavleniilicenzii and annexed documents shall be returned to the applicant a license.
     When submitting in due form all the documents referred to in this article, the insurance supervision authority within three working days from the date of their submission shall decide on their consideration or, in the case of inconsistency with the provisions of this article on the return of documents with reasoned justification for the reasons for the return.
     Prinâtiâorganom period of insurance supervision decision to licence or to refuse to grant a licence shall commence from the date of receipt in full in the insurance supervision authority documents, the relevant requirements of this article and in an appropriate form.
     Application for a licence and the attached documents, the applicant has the right to license to send the insurance supervision authority in the form of electronic documents signed with a reinforced qualified electronic signature.
     11. The changes made to the documents as a basis for obtaining a license in accordance with subparagraphs 2, 3, 5, 6, 7 (part of documents on State registration), subparagraphs 8, 9, 11-14 paragraph 3, subparagraphs 2-7 paragraph 5, subparagraphs 2-5 paragraph 6 of this article, insurers and insurance brokers are required to disclose in writing to the insurance supervisory authority and, at the same time, to submit documents confirming these changes within thirty days from the date the change is made.
     12. Adoption of decisions ovydače licence or to refuse to grant a license for insurance supervision authority is exercised within a period not exceeding thirty working days from the date of receipt of the insurance supervision authority of all documents provided for in this article to obtain the license applicant licence.
     Strahovogonadzora body is obliged to inform the applicant the license concerning the adoption of the said decision within five working days of sodnâ.
     13. Documents submitted to the subjects of insurance in the insurance supervision authority, should be written in Russian.
     14. Republic of insurance business License must contain the following information: 1) the name of the organastrahovogo supervision, issuing the licence;
     2) name (brand name) of the subject of the insurance business is a legal person;
     3) surname, name, patronymic name of the subject of the insurance business as a sole proprietorship;
     4) location and postal address of the subject of the insurance business is a legal person or the place of residence or postal address of the subject of the insurance business is a sole proprietorship;
     5) osnovnojgosudarstvennyj the registration number of the legal entity or an individual entrepreneur;
     6) identifikacionnyjnomer of the taxpayer;
     7) activities in the field of insurance (insurance, re-insurance, mutual insurance, mediation as an insurance broker);
     8) type of activity carried out by the insurance organization (voluntary life insurance, voluntary life insurance, except life insurance, voluntary property insurance or types of compulsory insurance in accordance with the Federal law on a particular type of insurance) (as amended by the Federal law dated July 21, 2014  N 223-FZ-Sobraniezakonodatel′stva Russian Federation, 2014, N 30, art. 4224);
     9) forms and types of insurance, mutual insurance society undertaken under the Charter;
     10) number and insurance supervision authority dataprinâtiâ extradition decision re licence, as well as replacing Blanca license;
     11) registration number entries in the unified State Register of subjects of insurance business;
     12) license number date of issue.
     15. The license form is approved body of insurance supervision.
     16. the licence for insurance activity shall be signed by the head of the insurance supervision authority or the authorized person and certified by the stamp seal of insurance supervision authority.
     17. In the case of izmeneniâsvedenij specified in subparagraphs 2-9 of paragraph 14 of this article, the license for insurance activity shall be sent within thirty working days from the date of submission of the insurance supervision authority statement on reissuing licenses and documents supporting these changes.
     18. The subject of strahovogodela in the case of loss of or damage to the licence has the right to obtain a duplicate license within ten working days from the date of referral to the writing in organstrahovogo supervision with indication of reasons for loss or damage.
     On the duplicate licenziidelaetsâ "duplicate".  A duplicate license is issued in two copies, one of which is handed over to the subject of the insurance business, and the second is stored in the insurance supervision authority.
     (Article 32 as amended.  Federal law dated 23iûlâ, 2013.  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067) article 32-1. Eligibility and other requirements 1. Leaders (including the person serving as the company's sole executive body, head of the company's collective executive body) of the subject of the insurance business is a legal person and which is the subject of the insurance business entrepreneur should have higher education, confirmed the Russian Federation recognized in document on higher education and work experience as a Chief subject of insurance, other financial organizations do not meneedvuh years (as amended by the Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art.
4067). 1-1. (Paragraph 1-1 vvedenFederal′nym Act of October 30, 2009 N 243-FZ-collection of laws of the Russian Federation, 2009, no. 44, art. 5172; abrogated under the Federal Act of21 July 2013 N 234-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, no. 30, art. 4067)
     2. Chief Accountant insurance, reinsurance organization must comply with the requirements established by the Federal law of December 6, 2011 year N 402-FZ "on buhgalterskomučete", and have work experience in insurance, reinsurance Organization for at least two years out of the last five years preceding the appointment to this post.
     Chief Accountant, insurance broker must have a college degree, recognized in the Russian Federation confirmed the document on higher education and work experience in the subject of insurance business unit, whose activities are related to accounting and (or) financial performance for at least two years.
     The main buhgalterobŝestva of mutual insurance schemes should have documented higher education recognized in the Russian Federation document on higher education and work experience in the economic profession or for positions requiring knowledge of accounting, not less than two years in insurance, reinsurance organization, society of mutual insurance and (or) Organization, an insurance broker, registered on the territory of the Russian Federation.
     (Item 2 in red.  Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067) 2-1. (Item 2-1 vvedenFederal′nym Act of October 30, 2009 N 243-FZ-collection of laws of the Russian Federation, 2009, no. 44, art. 5172; utrati siluna under federal law dated July 23, 2013 N 234-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, no. 30, art. 4067)
     3. (para 3 utratilsilu on the basis of the Federal law of March 7, 2005  N 12-FZ-collection of laws of the Russian Federation, 2005, N 10, art. 760) 3-1. The internal auditor, the head of the internal audit service should have higher economic, financial or legal education, podtverždennoepriznavaemym in the Russian Federation the highest economic, financial or legal education, stažraboty and at least two years in insurance, reinsurance, or other financial audit organization, registered on the territory of the Russian Federation, as well as in the organs of State financial control of the Russian Federation.
     If the person indicated in this clause are other higher education, they must establish the fact of vocational retraining in economics, finance or law, presenting recognized in the Russian Federation document about passing the vocational retraining and have experience in the subject of insurance business unit, whose activities related to accounting, finance or legal matters, not less than three years.

     (Para. 3-vvedenFederal′nym Act of 1 July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) 4. For the post of internal auditor, head of internal audit service could not be assigned to a person who: 1) carried out the funkciiedinoličnogo executive body, Chief Accountant of the insurer or sostavkollegial′nogo was the executive body of the insurer during the two years preceding the date of appointment of the internal auditor, the head of internal audit service;
     2) is a shareholder (participant) of the insurer;
     3) is blizkomrodstve or property (parents, spouses, children, brothers, sisters, and brothers, sisters, parents and children of the spouses) with shareholders (participants) of the insurer, or by a person who is the sole executive body of strahovŝikaili serves on the Board of Directors (Supervisory Board) or a collegial executive body of the insurer, or by the Chief Accountant of the insurer.
     (Item 4 in red.  Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067) 5. Actuary dolžensootvetstvovat′ requirements established by the Federal law of actuarial activity in the Russian Federation (as amended by the Federal law dated July 23, 2013 N 234-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, no. 30, art. 4067).
     6. Persons referred to in paragraphs 1, 2, 3-1 nastoâŝejstat′i, as well as members of the Board of Directors (Supervisory Board), members of the collegial executive body subject of insurance business-legal entity cannot be (in red.  Federal law dated July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067): 1) persons who acted as the sole executive body of financial institutions at the moment when these organizations violations, which have been cancelled (withdrawn) licenses for carrying out relevant activities or violations for which these licenses have been suspended, and these licenses have been revoked (withdrawn) due during those violations, if from the date such revocation (withdrawal) has been in place for less than three years. The financial institution for the purposes of this Act, means any of the professional participant of the securities market, clearing organization, management company, investment fund, mutual fund and private pension fund, specialized depository investment fund, mutual fund and private pension fund, equity investment fund, credit institution, insurance company, pension fund, organizer of trade;
     2) persons in organizations whose accounts are not expired, during which they considered to be subjected to an administrative sanction in the form of disqualification;
     3) persons having removed from or outstanding convictions for offences in the sphere of economic activities or offences against State power.
     (Paragraph 6 added by federal law 28iûnâ, 2013.  N 134-FZ-collection of laws of the Russian Federation, 2013, N 26, art. 3207) 7. Current Board member Board of Directors (Supervisory Board) upon the occurrence of the circumstances referred to in subparagraphs 1-3 paragraph 6 of this article shall be deemed to have resigned from the date of entry into force of the rešeniâupolnomočennogo authority or court (item 7 was introduced by the Federal law of June 28, 2013  N 134-FZ-collection of laws of the Russian Federation, 2013, N 26, art. 3207). 8. An individual with or removed from the outstanding convictions for crime in the sphere of economic activity or offense against State authority, may not directly or indirectly (through the controlled persons) alone or together with other persons, related treaties, fiduciary asset management, and (or) simple camaraderie and (or) orders, and (or) shareholders agreement, and (or) other agreement, the subject of which is the realization of the rights certified by shares of an insurance company receive the right to dispose of 10 percent or more of votes per voting shares (shares) that make up the share capital of an insurance organization (para. 8 Federal′nymzakonom introduced from June 28, 2013  N 134-FZ-collection of laws of the Russian Federation, 2013, N 26, art. 3207). 9. A person who prâmoili indirectly (through the controlled persons) alone or jointly with others, it will deal with any validation property trust management contracts, and (or) simple camaraderie and (or) orders, and (or) shareholders agreement, and (or) other agreement, the subject of which is the realization of the rights certified by shares of an insurance company, received the right to dispose of 10 percent or more of votes per voting shares (shares) that make up the share capital of an insurance company is obliged to send a notification to an insurance company and the insurance supervision authority in the manner and the timing of that ustanovlenynormativnymi legal acts of insurance supervision authority (paragraph 9 was introduced by the Federal law dated 28iûnâ, 2013.  N 134-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 26, art. 3207). 10. Organstrahovogo oversight within the exercise of its supervisory functions in accordance with the established procedure has the right to seek and receive information about the persons who directly or indirectly (through controlled entities) alone or in conjunction with inymilicami, the related asset trust management contracts, and (or) simple camaraderie and (or) orders, and (or) shareholders agreement, and (or) other agreement, the subject of which is the realization of the rights certified by shares of an insurance company have the right to dispose of 10 percent of the votes, andmore per voting shares (shares) that make up the share capital of an insurance organization (paragraph 10 was introduced by the Federal zakonomot June 28, 2013  N 134-FZ-collection of laws of the Russian Federation, 2013, N 26, art. 3207). 11. If the notification referred to in paragraph 9 of this article, not received insurance organization or from a specified notice should that person who has the right to dispose, directly or indirectly, 10% or more of votes per voting shares (shares) that make up the share capital of an insurance company, is not compliant, the ustanovlennympunktom 8 of this article, the person entitled to dispose of the number of votes not exceeding 10 per cent of votes per voting shares (shares) that make up the share capital of an insurance company.  With the remaining shares belonging to the specified person in determining the quorum for holding the general meeting of shareholders (participants) of an insurance company shall not be taken into account (para. 11 was introduced by the Federal law of June 28, 2013
N 134-FZ-collection of laws of the Russian Federation, 2013, N 26, art. 3207). 12. The insurer shall notify in writing to the insurance supervisory authority on appointment and on osvoboždeniiot post persons referred to 1 pips, 2, 3-1 this article not later than within ten working days from the date of adoption of that decision (paragraph 12 was introduced by the Federal law dated July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) (article 32-1 of the Act of December 10, 2003 vvedenaFederal′nym N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) article 32-2.  (Introduced by federal law-December 10 2003 N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858; repealed under federal law from March 2005 N 12-FZ collection zakonodatel′stvaRossijskoj Federation, 2005, no. 10, p. 760) article 32-3. Osnovaniâdlâ refusal of a license applicant in vydačelicenzii 1. Grounds for denial of a license applicant a licence are as follows: 1) license ispol′zovaniesoiskatelem-legal entity, insurance supervisory authority applied for a license, fully signs, corporate names individualizing other entity insurance business about which information is entered into the unified State Register of insurance business. This provision does not apply to the subsidiaries and affiliates of the subject of the insurance business (as amended by the Federal law dated July 21, 2005  N 104-FZ-collection of laws of the Russian Federation, 2005, N 30, art. 3115);
     2) applicant's possession licence for an activity specified in paragraphs second-sixth subparagraph 1 of paragraph 32 of the present Act, 2stat′i on the date of the insurance supervision authority decision to grant proper license decisions of this body to suspend licenses previously issued (as amended by the Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067);
     3) non-conformity of documents submitted to the applicant a licence to obtain a license, the requirements of this Act and the regulations under it (organastrahovogo as amended by the Federal law of March 7, 2005 N 12-FZ collection zakonodatel′stvaRossijskoj Federation, 2005, no. 10, p. 760;  The Federal law of July 2013 of21 g.  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067);
     4) inconsistency of constituent documents of the requirements of the legislation of the Russian Federation;

     5 vdokumentah), represented by soiskatelemlicenzii, unreliable information;
     6) mismatch (including individuals engaged as the company's sole executive body, head of the company's collective executive body), Chief Accountant, vnutrennegoauditora, head of the audit entity, strahovogodela službyvnutrennego actuary qualification and other requirements, ustanovlennymnastoâŝim Law, the Federal law of actuarial activity in the Russian Federation (as amended by the Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067);
     7) (subparagraph utratilsilu on the basis of the Federal law of December 25, 2012  N 267-FZ-collection of laws of the Russian Federation, 2012, N 53, art. 7592) 8) availability of unsettled insurance supervisory authority regulations concerning non-compliance with the requirement for ensuring financial stability and solvency, as well as of non-reporting, provided for under article 28 of this Act, the applicant had licenses for the activities specified in subparagraphs second-sixth subparagraph 1 of paragraph 2 of article 32 of this law (as amended.  Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067);
     9) the insolvency (bankruptcy) (including intentional or fictitious bankruptcy) of the subject of the insurance business-legal entity due to the fault of the founder of the license applicant.
     2. insurance supervision authority Decision on the refusal to grant a licence shall be in writing a license applicant within five working days from the date of adoption of this decision, stating the reasons for refusal.
     The decision to refuse vvydače license must contain the grounds for refusal with the obligatory reference to the violations and shall be made not later than the deadline established in this law.
     The decision to refuse a license vvydače is sent to the applicant a license with acknowledgment of receipt of this decision.
     (Article 32-3 vvedenaFederal′nym Act of December 10, 2003 N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) article 32-4. Annulirovanielicenzii licenziiili Cancellation cancellation of the decision on the grant of a license shall be carried out in case of: failure of soiskatelemlicenzii measures in order to obtain a licence within two months from the date of notification of the grant of a license;
     establish to momentavydači license fact submission of unreliable information license applicant.
     (Art. 32-4 vvedenaFederal′nym Act of December 10, 2003 N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) article 32-5. 1 license. License is granted without restriction of its scope and valid from the date of its receipt by the subject of the insurance business. Licence not transferable (as amended by the Federal law on November 29, 2007.  (N) 287-FZ-collection of laws of the Russian Federation, 2007, no. 49, St.  6048; The Federal law of July 2013 of21 g.  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067). 2. The term dejstviâlicenzii can be restricted in cases stipulated by federal laws (in red.  Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). 3. (Utratilsilu, paragraph 3, on the basis of the Federal law dated July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) 4. The license shall terminate in the event of termination of the activity of the subject of the insurance business is a sole proprietorship, the elimination or reorganizaciisub″ekta of the insurance business is a legal person, with the exception of reorganization in the form of adherence or selection. The subject of insurance business license-a legal entity which is attached or of composition which produces other legal entity not terminated (item 4 was introduced by the Federal law of November 29, 2007  (N) 287-FZ-collection of laws of the Russian Federation, 2007, no. 49, St.
6048). 5. Effect of licenziisub″ekta insurance is a legal entity created in the reorganization of order does not cease if voznikšegoûridičeskogo once again face the requirements of the legislation of the Russian Federation.  Insurance supervision authority is required to replace a license form the subject of insurance business-legal person, established in the order of reorganization of rabočihdnej within ten days from the day of receipt of the documents referred to in article 32 of this law (paragraph 5 was introduced by the Federal law of November 29, 2007  (N) 287-FZ-Sobraniezakonodatel′stva Russian Federation, 2007, no. 49, St. 6048) (article 32-5 vvedenaFederal′nym Act of December 10, 2003 N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) article 32-6. Restriction or suspension of licences 1. In identifying violations of the insurance legislation the subject of insurance business insurance supervisory authority is given to the Elimination of violations (hereinafter precept).
     2. Prescription is given if: 1) subject of insurance business activities prohibited by the laws of the Russian Federation, as well as violations subject insurance requirements established by the insurance law (as amended.  Federal law dated July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067);
     2) non-compliance by the insurer insurance legislation part forming and placement of insurance reserves, other insurance payments guarantee funds;
     3) non-compliance by the insurer of the established requirements to ensure the regulatory ratio of assets and obligations, other established requirements to ensure financial stability and solvency, including non-compliance with the parent insurance company insurance group these requirements on a consolidated basis (as amended by the Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067);
     4) breach the subject of insurance requirements for submission of a body of insurance nadzoraustanovlennoj accountability (as amended by the Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067);
     5) failure to subject insurance documents within the prescribed period, zatrebovannyhv the exercise of insurance supervision within the purview of the insurance supervision authority;
     6) establish the faktapredstavleniâ subject of insurance in the insurance supervision authority incomplete and/or inaccurate information (as amended by the Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067);
     7) failure to subject the insurance business within the prescribed time limit in insurance supervision authority information on changes and additions made to the documents referred to in paragraph 11 of the present law stat′i32 (document spriloženiem, podtverždaûŝihtakie changes and additions) (as amended by the Federal law dated 23 iûlâ2013 N 234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067).
     3. Prescription is sent to the subject of the insurance business, if necessary, a copy of the regulations is sent to the relevant bodies of executive power.
     The subject of the insurance business within the prescribed prescription period represents insurance supervisory authority documents confirming the Elimination of revealed violations.
     These dokumentydolžny be reviewed within 30 days of receipt of all the documents certifying fulfillment prescriptions in full.
     Predstavleniesub″ektom insurance business within the prescribed period the documents confirming the Elimination of revealed violations, is the basis for the recognition of prescriptions filled. Osnâtii provisions shall be communicated to the subject of the insurance business within five working days from the date of adoption of this decision.
     Setting in the subsequent fact submission subject insurance documents containing false information, is the basis for the recognition of this requirement previously refused.
     4. In slučaeneispolneniâ regulations properly or on time, and in the case of evasion of the subject of the insurance business from polučeniâpredpisaniâ license is limited or suspended in the manner prescribed by this law (as amended.  Federal law dated March 7, 2005  N 12-FZ-collection of laws of the Russian Federation, 2005, N 10, art. 760.) 4-1. If the insurance company of the Professional Association of insurers established in accordance with the Federal law on the specific form of compulsory insurance, specified professional association of insurers should inform the insurance supervision authority for taking them in the order established by this law, the decision to limit the validity of a license for carrying out the appropriate type of insurance (item 4-1 was introduced by the Federal law of 21 iûlâ2014 N 223-FZ-collection of laws of the Russian Federation , 2014, N 30, art. 4224). 5. Limitation of the insurer's license means a ban on insurance contracts for individual vidamstrahovaniâ, reinsurance treaties, as well as the amendments, entailing an increase in the insurer's obligations in the respective agreements (as amended by the Federal law of March 7, 2005 N 12-FZ-

Collection of zakonodatel′stvaRossijskoj Federation, 2005, N 10, art.
760). 6. Suspension of a license issued to a subject of insurance means the prohibition on the conclusion of contracts of insurance, reinsurance, dogovorovpo provision of services of an insurance broker, as well as amendments, entailing uveličenieobâzatel′stv of the subject of the insurance business, relevant treaties (as amended by the Federal law of March 7, 2005  N 12-FZ-collection of laws of the Russian Federation, 2005, N 10, art. 760). 7. Decision organastrahovogo relating to the limitation of the supervision or the suspension of a licence shall be published vpečatnom the organ opredelennomorganom of insurance supervision, within 10 working days from the dnâprinâtiâ such decisions and shall enter into force on the date of its publication.  Insurance supervision authority decision on the limitation or suspension of the licence shall be sent to the subject of the insurance business in writing within five working days from the date of entry into force of this decision, specifying the reasons for restriction or suspension of a license (as amended by the Federal law of March 7, 2005  N 12-FZ-collection of laws of the Russian Federation, 2005, N 10, art. 760). 8. If you need a copy of the decision to restrict or suspend the activity licence shall be sent to the relevant executive authority.
     9. the period of limitation or priostanovleniâdejstviâ license change name (business name), location and postal address of the subject of the insurance business, as well as reorganization of the subject of the insurance business is possible only with the prior approval of the insurance supervisory authority.  Denial of insurance supervision authority in issuing the prior authorisation must be justified (para 9 added by federal law 22aprelâ, 2010.  N 65-FZ-Sobraniezakonodatel′stva Russian Federation 2010, N 17, art. 1988). 10. Concurrent with the suspension of the licenses (except for the cases when the Interim Administration appointed earlier or on the date of adoption of the decision on suspension of dejstviâlicenzii in respect of an insurance organization introduced one of the procedures applied in the bankruptcy case) insurance supervisory authority appoints temporary administration of an insurance company on the grounds and in the manner envisaged by the Federal law on Insolvency (bankruptcy) "(paragraph 10 was introduced by the Federal law of April 22, 2010 N 65-FZ-collection of laws of the Russian Federation , 2010, N 17, art. 1988). 11. Subjects of insurance business in the period of limitation or suspension of a license shall not have the right to open representative offices and branches without prior authorization from the insurance supervisory authority (paragraph 11 was introduced by the Federal law of April 22, 2010  N 65-FZ-collection of laws of the Russian Federation, 2010, N 17, art. 1988) (article 32-6 vvedenaFederal′nym Act of December 10, 2003 N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) article 32-7. Renewal of licences 1. The renewal of the license after his restriction or suspension means the restoration of the right of the subject of the insurance business on the implementation of the activities for which a license has been granted, in full.
     2. the grounds for lifting the measures imposed by paragraphs 5 and 6 of article 32-6 of this Act, is to address the subject of insurance revealed violations within the set term and in full.
     3. a decision on the renewal of a licence shall enter into force on the date of its adoption and shall be notified to the subject of the insurance business and inyhzainteresovannyh persons within 15 days from the date of adoption of this decision.  Decision on the renewal of the license is published in the Gazette, a certain organomstrahovogo oversight.
     (Art. 32-7 vvedenaFederal′nym Act of December 10, 2003 N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) article 32-8. cessation of insurance activity of the subject of strahovogodela or its liquidation in connection with otzyvomlicenzii 1. Grounds for the termination of insurance deâtel′nostisub″ekta insurance is the decision of the Court, as well as the decision of the insurance supervision authority obotzyve licenses, including the prinimaemoepo statement of the subject of the insurance business.
     2. Insurance Supervision Authority decision to revoke licenses was adopted: 1) when osuŝestvleniistrahovogo oversight: in the case of the subject during the insurance business within the prescribed time-limit violations of the insurance legislation, which became the grounds for restriction or suspension of a license;
     in case of repeated failure during the year or of repeated violations during the year more than 15 working days reporting deadlines, predusmotrennyhnastoâŝim law drugimifederal′nymi laws, normative acts of the insurance supervision authority (paragraph added by federal law 23iûlâ, 2013.  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067);
     in case sub″ektstrahovogo case within 12 months from the date of receipt of the license not embarked on under the licence or is not exercising its activities in tečeniefinansovogo year;
     in case eslistrahovaâ organisation within three months from the date of the license restrictions on the basis provided for in paragraph 1 of article 32-4-6 of this Act, has not regained its membership in professional′nomob″edinenii insurers (paragraph added by federal law from July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224);
     in other predusmotrennyhfederal′nym law;
     2) at the request of the subject of the insurance business is based on its application, in writing, to refusals under license, including slučaevyhoda insurance organization of the Professional Association of insurers established in accordance with the Federal law on compulsory insurance, specifically with the application documents referred to in paragraph 9 of this article (as amended by the Federal law dated July 23, 2013 N 234-FZ-collection of laws of the Russian Federation , 2013, N 30, art. 4067;
Federal law dated July 21, 2014 N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224.) 2-1. Organstrahovogo supervision decides to revoke the licence of an insurance organization without proper prescriptions, if that insurance undertaking is not fulfilled the requirement to increase its Charter capital in the event of an increase the minimum amount of the authorized capital of the insurer in accordance with the paragraph of article 25, paragraph 3 of the eighth of this Act (punkt2-1 was introduced by the Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). 3. The decision of the insurance supervisory authority to revoke the licence shall be published in the Gazette, defined by the insurance supervision authority, within 10 working days from the date of adoption of this decision and shall enter into force on the date of its issuance, unless otherwise stipulated in the Federal law.  The decision of the insurance supervisory authority to revoke the licence shall be sent to the subject strahovogodela in writing within five working days from the date of entry into force of this decision, specifying the reasons for revocation of the license. A copy of the decision to revoke the licence shall be sent to the vsootvetstvuûŝij executive body in accordance with the zakonodatel′stvomRossijskoj Federation.
     4. After the entry into force of the decision of the insurance supervision authority managed to revoke the licence of the insurance business entity does not have the right to conclude insurance contracts, reinsurance treaties, treaties on rendering services of an insurance broker, as well as make changes resulting in an increase in the obligations of the subject of the insurance business in the relevant treaties.
     Simultaneously with the withdrawal of the license (except in the case provided for in this article, and in cases where the Interim Administration appointed earlier or on the date of adoption of the decision on the revocation of a license in respect of an insurance organization introduced one of the procedures applied in the bankruptcy case) insurance supervisory authority appoints temporary administration order on the grounds and strahovojorganizacii that predusmotrenyFederal′nym law on Insolvency (bankruptcy) "(paragraph added by federal law from April 22, 2010  N 65-FZ-collection of laws of the Russian Federation, 2010, N 17, art. 1988). When taking insurance organization decision to carry on insurance business of the interim administration of an insurance company in connection with the withdrawal of licenses not assigned in cases where insurance organization, before notification, the insurance supervision authority refusals of insurance activity (paragraph added by federal law from April 22, 2010
N 65-FZ-collection of laws of the Russian Federation, 2010, N 17, art. 1988): ispolnilaobâzatel′stva, arising from insurance contracts, reinsurance contracts, including insurance payments made for happy strahovymslučaâm (paragraph added by federal law from April 22, 2010 N 65-FZ-zakonodatel′stvaRossijskoj Federation, Meeting 2010, N 17, art. 1988);
     implemented transfer of obligations assumed under insurance contracts (insurance portfolio), and (or) premature termination of contracts of insurance, re-insurance contracts (paragraph added by federal law from April 22, 2010  N 65-FZ-collection of laws of the Russian Federation, 2010, N 17, art. 1988);

     insurance supervision authority submitted documents proving the fulfilment of these obligations (paragraph added by federal law from April 22, 2010  N 65-FZ-collection of laws of the Russian Federation, 2010, N 17, art. 1988). 5. Before the expiration of the šestimesâcev after the entry into force of the decision of the insurance supervisory authority to revoke the licence sub″ektstrahovogo the case is obliged to: 1) to adopt, in accordance with the legislation of the Russian Federation decision to terminate insurance activities;
     2) fulfil the obligations arising from insurance contracts (reinsurance), including to make insurance payments to insured events occurring;
     3) to implement the peredačuobâzatel′stv adopted under contracts of insurance (insurance portfolio), and (or) termination of contracts of insurance, reinsurance, insurance broker okazaniûuslug treaties.
     6. the insurer shall, within one month from the date of entry into force of the decision of the insurance supervisory authority on withdrawal licenziiuvedomlâet policyholders to revoke the licence, on early prekraŝeniidogovorov insurance, reinsurance treaties and (or) on the transfer of obligations assumed under insurance contracts (insurance portfolio), with an indication of the insurer to which this insurance portfolio can be transferred. When this notification priznaetsâtakže publishing such information in periodicals, number of copies of each were renovated is not less than 10 000 copies and kotoryerasprostranâûtsâ on the territory of the implementation activities of insurers.
     7. Obligations under insurance contracts, for which the relationship of the parties is not resolved, be transferred to another insurer. Transfer of obligations undertaken in the ukazannymdogovoram (insurance portfolio), with the consent of the insurance supervisory authority.  Body strahovogonadzora directs the decision, in writing, consent to the transfer of the insurance portfolio or otkazedat′ consent of the solvency of the insurer accepts the insurance portfolio, within 20 working days after submission of the application for transfer of the insurance portfolio. Insurance supervision authority does not give consent for the transfer of the insurance portfolio, if for itogamproverki of solvency of the insurer, receiving insurance portfolio, found that the insurer did not have sufficient own funds (capital), i.e. does not meet the requirements of solvency taking into account once again the commitments (as amended by the Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). 8. To carry out the duties provided for in paragraph 5 of this article, sub″ektstrahovogo case is in the insurance supervision authority accounting (financial) statements on a quarterly basis (as amended by the Federal law dated July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067). 9. Before the expiration of the šestimesâcev from the date of entry into force of the decision of the insurance supervisory authority to revoke the licence of the insurance business entity shall submit to the insurance supervision authority documents certifying the performance of duties under paragraph 5 of this article: 1) decision to terminate insurance activities, adopted by the management body of the insurance entity legal person authorized to take these decisions in accordance with the articles of incorporation, or the subject of the insurance business registered in the order established by the legislation of the Russian Federation as an individual entrepreneur;
     2) documents containing information about the presence or the absence of writing requirements of insurers (beneficiaries) or performance on early termination of obligations arising from contracts of insurance (reinsurance) contracts for the provision of services of an insurance broker, as well as documents confirming the transfer of obligations assumed under insurance contracts (insurance portfolio);
     3) accounting (financial) statements with the mark of the tax authority and an audit report to the nearest reporting datuko the day of the expiration of six months from the date of entry into force of the insurance supervision rešeniâorgana to revoke the licence (as amended.  Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067);
     4) the original licence.
     9-1. cessation of insurance or mutual insurance society eliminating it in connection with the withdrawal of the licence is carried out taking into account the peculiarities stipulated by paragraphs 9-2-9-6 of this article (paragraph 9-1 was introduced by the Federal law of November 29, 2007  N287-FZ-collection of laws of the Russian Federation, 2007, no. 49, St. 6048.) 9-2. Mutual insurance society, carrying on insurance of property interests of its members neposredstvennona under the Charter of the company, after the date of entry into force of the decision of the insurance supervisory authority to revoke the licence may not accept new members of the mutual insurance society, as well as make changes in insurance regulations (item 9-2 was introduced by the Federal law of November 29, 2007 N 287-FZ-collection of laws of the Russian Federation, 2007, no. 49, p. 6048).
     9-3. Before the expiry of six months after the dnâvstupleniâ of the insurance supervisory authority to revoke the licence is obliged to mutual insurance society: 1) to adopt, in accordance with the legislation of the Russian Federation decision on liquidation of the mutual insurance society;
     2) ispolnit′obâzatel′stva on insurance (reinsurance), including to make insurance payments on nastupivšimstrahovym cases;
     3) to implement the termination of contracts of insurance (reinsurance).
     (Para 9-3 vvedenFederal′nym Act of November 29, 2007  (N) 287-FZ-Sobraniezakonodatel′stva Russian Federation, 2007, no. 49, St. 6048) 9-4. Before the expiration of six months from the date of entry into force of the decision of the insurance supervisory authority to revoke the licence of the insurance business entity shall submit to the insurance supervision authority documents, podtverždaûŝievypolnenie obligations under paragraph 9-3 of this article: 1) the decision on liquidation of a mutual insurance society, adopted by the General Assembly of the mutual insurance society;
     2) documents containing information about the presence or absence of claims in writing to the insured (beneficiary) or performance on early termination of obligations on insurance (reinsurance);
     3) accounting (financial) statements with the tax authority (stamp in red.  Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art.
4067);
     4) the original licence.
     (Para 9-4 vvedenFederal′nym Act of November 29, 2007  (N) 287-FZ-Sobraniezakonodatel′stva Russian Federation, 2007, no. 49, St. 6048) 9-5. Mutual insurance society obligations on insurance (reinsurance) may not be transferred to another insurer (paragraph 9-5 was introduced by the Federal law of 29 noâbrâ2007 N 287-FZ-collection of laws of the Russian Federation, 2007, no. 49, p. 6048).
     9-6. To vypolneniâobâzannostej, predusmotrennyhpunktom 9-3 of this article, mutual insurance supervision authority strahovaniâpredstavlâet accounting (financial) statements on a quarterly basis (para. 9-6 was introduced by the Federal law of November 29, 2007  (N) 287-FZ-Sobraniezakonodatel′stva Russian Federation, 2007, no. 49, St. 6048; in red. Federal law dated July 23, 2013
N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). 10. In the case of subjects of the insurance business of insurance activity (except for obligations under subparagraphs 2 and 3 of paragraph 5 and paragraph 3, subparagraphs 2 and 3 of this article-9) insurance supervisory authority is obliged to apply to the Court by CESC on the Elimination of the subject of the insurance business is a legal person or on the cessation of the subject of the insurance business-an individual activity as an individual entrepreneur (as amended by the Federal law of November 29, 2007 N 287-FZ-collection of laws of the Russian Federation , 2007, no. 49, St. 6048) (article 32-8 vvedenaFederal′nym Act of December 10, 2003 N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858; as amended by the Federal law of March 7, 2005 N12-FZ-collection of laws of the Russian Federation, 2005, no. 10, p. 760) article 32-9. Vidystrahovaniâ (name of harm.  Federal law dated July 23, 2013 N 234-FZ collection zakonodatel′stvaRossijskoj Federation, 2013, N 30, art. 4067) 1. In the Russian Federation the following types of insurance (as amended by the Federal law dated July 23, 2013 N234-FZ-collection of laws of the Russian Federation, 2013, no. 30, art. 4067): 1) life insurance in case of death, surviving until a certain age or period or occurrence of an event;
     2) pensionnoestrahovanie: 3) life insurance susloviem periodic premiums (rents, annuities) and (or) with the participation of the insured in the investment income of the insurer;
     4) otnesčastnyh insurance cases and diseases;
     5) medicinskoestrahovanie;
     6) means of land transport insurance (except railway transport means);
     7) sredstvželeznodorožnogo transport insurance;
     8) sredstvvozdušnogo transport insurance;
     9) sredstvvodnogo transport insurance;
     10) insurance of cargoes;

     11) agricultural insurance (crop insurance, agricultural crops, perennials, animals);
     12) property insurance of legal persons, with the exception of vehicles and agricultural insurance;
     13) strahovanieimuŝestva citizens, with the exception of vehicles;
     14) civil liability insurance of owners of motor vehicles;
     15) strahovaniegraždanskoj liability of owners of air transport;
     16) strahovaniegraždanskoj water transport owner's liability;
     17) strahovaniegraždanskoj liability in respect of the use of means of rail transport;
     18) civil liability insurance of operators of dangerous objects;
     19) civil liability insurance for infliction of harm due to deficiencies of goods, works and services;
     20) civil liability insurance for damage caused to third parties;
     21) liability insurance for non-fulfillment or improper fulfillment of obligations under the Treaty;
     22) strahovaniepredprinimatel′skih;
     23) strahovaniefinansovyh;
     24) other types of insurance provided for by federal laws on specific vidahobâzatel′nogo insurance (sub-item was introduced by the Federal law dated 24 December 25, 2012  N 267-FZ collection zakonodatel′stvaRossijskoj Federation, 2012, N 53, art.
7592). 2. Strahovaâorganizaciâ is obliged to notify in writing the insurance supervision authority of insurance types, kotoryepredusmotreny this article and which it intends to undertake in the framework of the activity concerned (voluntary strahovaniežizni, voluntary personal insurance, except life insurance, voluntary property insurance) in the manner and within the period prescribed insurance supervisory authority.
     The insurer shall submit to the insurance supervisory authority adopted in the framework of the types of insurance insurance rules, calculations of insurance tariffs along with the methodology used actuarial calculations, structure of tariff rates and regulations on forming insurance reserves in the manner and within the period ustanovlenyorganom of insurance supervision.
     The changes made to the documents referred to in this paragraph, the insurer shall report in writing to the insurance supervisory authority and, at the same time, to submit documents confirming such changes, in the manner and within the period prescribed insurance supervisory authority.
     If the Federal law stipulates that the insurance regulations for certain types of insurance, insurance rates, methods of their calculation, the structure of the tariff rates for these types of insurance are established by the Government of the Russian Federation, the authorized federal body of executive power or authority of insurance supervision and are indispensable for the application of insurers, the insurance supervision authority are not the insurer insurance terms respectively, calculations of insurance tariffs, metodikaaktuarnyh settlement, tariff structure and takžeizmeneniâ made to these documents (paragraph added by Federal zakonomot July 21, 2014  N 223-FZ-collection of laws of the Russian Federation, 2014, N 30, art. 4224). (para 2 as amended.  Federal law dated July 23, 2013  N 234-FZ-collection of laws of the Russian Federation, 2013, N 30, art. 4067). 3. (Utratilsilu, paragraph 3, on the basis of the Federal law dated July 23, 2013  N 234-FZ-Sobraniezakonodatel′stva Russian Federation, 2013, N 30, art. 4067) 4. By vidamstrahovaniâ, provided by subparagraphs 2, 3, 10-12, 18, 21, 22punkta 1 of this article and shall also, if the insurance contract or insurance regulations provide for insured property inspection or survey of the insured person during the insurance contract or contain conditions other than those established by the minimum requirements (standard) the conditions and procedure for individual insurance vidadobrovol′nogo in case of establishing normative acts of the insurance supervisory authority , insurance contracts in the form of electronic documents in accordance with the provisions of article 6-1 of this Act, are not.
     Conclusion dogovorovobâzatel′nogo insurance in accordance with article 6-1 of this law is allowed, if it is stipulated by federal laws on specific types of compulsory insurance.
     (Para. 4 of the Act of June 4, 2014 vvedenFederal′nym N 149-FZ-collection of laws of the Russian Federation, 2014, N 23, p. 2934)
     (Art. 32-9 vvedenaFederal′nym Act of December 10, 2003 N 172-FZ-collection of laws of the Russian Federation, 2003, no. 50, art. 4858) article 33. Soblûdeniekommerčeskoj and other tajnydolžnostnymi persons protected by the law of the insurance supervision authority officials insurance supervision authority may not disclose in any form of information that comprise kommerčeskuûi other secret protected by the law of the subject of insurance, except for the cases stipulated by the zakonodatel′stvomRossijskoj Federation (as amended by the Federal law of December 10, 2003  N 172-FZ-Sobraniezakonodatel′stva Russian Federation, 2003, no. 50, art. 4858). Chapter v. FINAL PROVISIONS Article 34. Strahovanieinostrannyh citizens, persons without graždanstvai of foreign legal entities in the Russian Federation Inostrannyegraždane, stateless persons and foreign legal entities on the territory of the Russian Federation enjoy the right to insurance protection on an equal footing with citizens and legal entities of the Russian Federation.
 
     Article 35. Rassmotreniesporov sostrahovaniem disputes, disputes concerning the praveispol′zovaniâ subject of insurance business name (business name), as well as disputes related to insurance supervision authority andhis officials shall be resolved by a court, an arbitration court or arbitral tribunal, in accordance with their competence (as amended by the Federal law dated July 21, 2005  N 104-FZ-collection of laws of the Russian Federation, 2005, N 30, art. 3115). Article 36. international treaties Eslimeždunarodnymi treaties of the Russian Federation or of the former Soviet Union stipulates other rules than those which the legislation of the Russian Federation soderžatsâv insurance toprimenâûtsâ the rules of the international treaty.
 
     Moscow, November 27, 1992 SovetovRossii House N 4015-(I)