Key Benefits:
E N
RUSSIAN FEDERATION
About an insurance business in the Russian Federation
(name in red. Federal Act of 31 December 1997
N 157-FZ-Legislative Assembly of the Russian Federation, 1998, N
1, art. 4)
(reed. Federal Act of 31 December 1997 N 157-FZ-
Russian Federation Law Assembly, 1998, N 1, Article 4;
Federal Law of Nov. 20 1999 N 204-FZ-Assembly
Russian Federation Federation, 1999, N 47, st. 5622;
Federal Law of March 2002 d. N 31-FZ -Assembly
Russian Federation Federation, 2002, N 12, st. 1093;
Federal Law 25 2002 N 41-FZ-Collection
Russian Federation Federation, 2002, N 18, st. 1721;
Federal Law From 8 December 2003 N 169-FZ Meeting
Russian Federation Federation, 2003, N 50, .4855;
Federal Law of 10 December 2003 N 172-FZ-Assembly
Russian legislation Federation, 2003, N 50, st. 4858;
Federal Law of July 2004 N 67-FZ - To
Russian Federation Federation, 2004, N 30, st. 3085;
Federal Law of March 2005 N 12-FZ - Collection
Russian Federation Federation, 2005, N 10, st. 760;
Federal Law of July 2005 N 90-FZ - To
Russian Federation Federation, 2005, N 30, st. 3101;
Federal Law of 21 July 2005 N 104-FZ- To
Russian Federation Federation, 2005, N 30, st. 3115;
Federal Law of 17 May 2007 N 83-FZ -Collection
Russian Federation Federation, 2007, N , st. 2563;
Federal Law of Nov. 8 2007 N 256-FZ -Collection
Russian Federation Federation, 2007, N 46, st. 5552;
Federal Law of Nov. 29 2007 N 287-FZ-Assembly
Russian legislation Federation, 2007, N 49, st. 6048;
Federal Law of 30 2009 }
Russian Federation legislation, 2009, N 44, st. 5172;
Federal Law of April 2010 N 65-FZ-Collection
Russian Federation Federation, 2010, N 17, st. 1988;
Federal Law of 27 July 2010 N 226-FZ - Meeting
Russian Federation Federation, 2010, N 31, st. 4195;
Federal Law of 29 November 2010 N 313-FZ -
Russian Federation Federation, 2010, N 49, st. 6409;
TheFederal Law of July 2011 N 236-FZ - To
Russian Federation, 2011, N 30, st. 4584;
Federal Act of 30 November 2011 N 362 - Collection
Russian legislation Federation, 2011, N 49, st. 7040;
Federal Act of 25 December 2012 N 267-FZ -Collection
Russian Federation Federation, 2012, N 53, st. 7592;
Federal Law of 28 June N 134-FZ -Collection
Russian legislation Federation, 2013, N 26, st. 3207;
Federal Law of 23 July d N 234-FZ -Collection
Russian Federation, 2013, N 30, st. 4067;
Federal Law June N 149-FZ -Collection
Russian Federation Federation, 2014, N 23, st. 2934;
Federal Law of July 2014 N 223-FZ -Collection
Russian Federation, 2014, N 30, st. 4224;
Federal Law from 4 November N 344-FZ- -Collection
Russian Federation Federation, 2014, N 45, st. 6154;
Federal Law of March March 2015 N 39-FZ - To
Russian Federation Federation, 2015, N 10, st. 1409;
Federal Law of June 2015 N 155-FZ - To
Russian Federation Federation, 2015, N 27, st. 3946;
Federal Law of June 2015 N 210-FZ - Collection
Russian Federation Federation, 2015, N 27, st. 4001;
Federal Law of 13 July 2015 N 231-FZ -Collection
Russian Federation legislation, 2015, N 29, st. 4357;
Federal Law of 13 July 2015 N 259-FZ -
MeetingRussian Federation Federation, 2015, N 29, st. 4385;
Federal Act of 28 November 2015 N 349-FZ -Collection
Laws of the Russian Federation, 2015, N 48, Art. 6715
Chapter I. GENERAL PROVISIONS
Article 1: Relationship governed by this Law
1. This Law regulates the relationship between s
{ \cs6\f1\cf6\lang1024}Insurance{ \cs6\f1\cf6\lang1024 }
}
membership, Activity
insurance subjects, and other relationships, related
organization of an insurance business (to the red. Federal Act of 23 July
2013 N 234-FZ-Assembly of Russian Legislation,
2013, N 30, article 4067).
2. Relations given in
1 of thisFederal and laws
Central Bank of the Russian Federation (hereinafter-Bank of Russia),
cases, of federal laws
compliance with laws by act of
Federation (hereafter referred to as normative legal acts) (ed.) Federal
Act of 23 July 2013 N 234-FZ - Law Collection
Russian Federation, 2013, N 30, est. 4067).
3. For the Act of the Federal Law, Other
normative legal and laws of of the Bank of Russia,
paragraphs 1 and 2 of this article are composite
part of of the insurance law (reed. Federal Act of
23 July 2013 N 234-FZ- Assembly of the Russian
Federation, 2013, N 30, st. 4067).
4. This Act applies to relations
required insurance in basesestablishment
manage the specified relationship.
5. This Law does not apply to relations
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}
also for export credit and investment insurance
from business and (or) political risks implemented
In accordance with Federal Law of 17 May 2007 N 82-FZ " O
Development Bank " (paragraph 5 introduced by Federal Act of 20 July 2004
g. N 67-FZ-Assembly of Russian Law, 2004,
N 30, st. 3085; to the red. Federal Act of 18 July 2011 N
236-FZ- Collection of Russian legislation, 2011, N
30, article (...) (...)
6. The action of this Law applies to insurance
{ \cs6\f1\cf6\lang1024}Mandatory health insurance{ \cs6\f1\cf6\lang1024
}
features, Federal
Mandatory health insurance in the Russian Federation " (para.
6 was introduced by Federal Law from 29 2010 N 313-FZ
The legislation of the Russian Federation, 2010, N 49, st.
6409).
(Article 1 to the red. Federal Act of 10 December 2003 N
172-FZ -Russian Law Assembly, 2003, N
50, article 4858)
Article 2: Insurance and insurance
(insurance)
1. Insurance - Relation to Physical andProtection
legal persons, Russian Federation Russian
Federation and municipalities when certain
insurance cases for money of funds,
Insurers of premiums paid (premiums), a
also at the expense of other underwriters.
2. Insurance ( case)
insurers insurance, reinsurance,
mutual insurance, and insurance brokers
services, related insurance, with reinsurance (in .
Federal Law July 2013 N 234-FZ -Collection
Russian legislation, 2013, N 30, sect. 4067).
(Article 2 to the red. Federal Act of 10 December 2003 N
172-FZ -Russian Law Assembly, 2003, N
50, article 4858)
Article 3: Purpose and objectives of the organization of the insurance business.
Insurance Forms
1. The organization
and legal legal
Russian Federation Subjects Russian Federation
municipal entities when insured events occur.
Insurance organization tasks are:
The public in
insurance;
Insurance Property Fixing and Forming Mechanisms
insurance, providing economic security
business entities in the territory of the Russian Federation.
2. The form of the form is voluntary
insurance and compulsory insurance.
3. Voluntary insurance
and insurance rules
Thecondition and the order of the implementation. Insurance Rules
and approved by by the or union
Insurers according to Civil Code
Russian Federation, of the present Law and federal laws and
contains clauses about insurance subjects objects
insurance, about insurance cases, about insurance risks, order
insurance-sum, insurance premium, premium
(premiums), order of opinion, execution, and termination
insurance contracts, and about parties
or damages order of the order
insurance payout, insurance maturity date, and
exhaustive list of reasons for denial of insurance and other
positions (in Federal Act of 23 July 2013 N 234-FZ-
The legislation of the Russian Federation, 2013, N 30, st.
4067; of the Federal Act of June 29, 2015. N 155-FZ- Collection
Russian legislation, 2015, 3946).
Insurance Rules ( insurance rules )
accepted in international civil insurance system
liability of transport vehicles
joined Russian Federation must contain
comprehensive list of and documents required for
insurance contracts, risk assessments
estimates of loss or damage, and, except , , and
how to make a decision about how to implement an insurance benefit,
life insurance contracts also order calculation of the purchase amount and
accruals investment revenue, if provides
membership of an insurer or other person, in
life insurance contract in investment insurer income
(Paragraph introduced by the Federal Act of 23 July 2013 N 234-FZ
The legislation of the Russian Federation, 2013, N 30, st.
4067).
The Bank of Russia has the right to determine in its normative
minimum (standard) requirements and
individual insurance (paragraph
introduced by the Federal Act of 23 July 2013. N 234-FZ-Assembly
Russian legislation, 2013, N 30, sect. 4067).
Insured Requirements
s
contract of insurance, insurers are required to explain the position,
containing insurance rules
provide compensation information
insurance agent, insurance broker on compulsory insurance,
Calculating Changes for the Insurance Property of the Insurance Property
insurance, calculation of insurance payout or purchase amount (if
these s life insurance contract
sizing
investment income on life insurance contracts, to be concluded
with the insurer or other person's participation,
life insurance contract investment investment
Insurer (paragraph introduced by Federal Act of 23 July 2013) N
234-FZ -Collection of Russian legislation, 2013, N
30, article 4067).
3-1. participants
relations, regulated by the Law, , and
fraud in insurance unified automated information system, containing information about treaties insurance by types of insurance, under sub-items 6 and 14 paragraph 1 of Article 32-9 of this Law, Insurance Cases and Other
insurance implementation ( - unified
automation system). Automatedoperator
system is the professional union of insurers
authored by Federal Law of 25 April 2002
Year N 40-FZ CitizensInsurance
responsibility of vehicle owners. " Create Order
and operation of unified in the number
providing access to the information it contains, lists of views
information, provided by insurers,
is established by the Bank of Russia (Paragraph 3-1 is introduced by Federal Law
dated July 21, 2014. N 223-FZ-Legislative Assembly of the Russian Federation
Federation, 2014, N 30, st. 4224).
4. Conditions for and the order of implementation of the required insurance
defined by federal specific types of mandatory laws
insurance. Federal specific
insurance must contain clauses that define: (a) insurance subjects b) objects to be insured list of insurance cases; g Minimal
definitions;
d) size, structure or the order of the insurance
tariff;
(e) duration and payment order of the premium (premiums);
age of an insurance policy;
(s) how to determine the amount of an insurance benefit;
and) control implementation of insurance;
or
liabilities of insurance entities;
l) Other locations.
(Article 3 to the red. Federal Act of 10 December 2003 N
172-FZ -Russian Law Assembly, 2003, N
50, article 4858)
Article 4: Insurance objects
1. life insurance objects can be property
interests associated with a citizen's pre-defined age or
{ \cs6\f1\cf6\lang1024 } Events{ \cs6\f1\cf6\lang1024
}
or{ \cs6\f1\cf6\lang1024
}
death (life insurance).
2. s and diseases
can be property interests related with causing damage
citizens ' health, as well as their death
case or illness (accident and illness insurance).
3. Health insurance objects can be property
concerns related to payment of organization and medical and
medicines (medical services) and other services
physical person's or state of physical
faces, requiring
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}
for the life or health of the physical person, threats and (or) to resolve
them (health insurance).
4. Property insurance objects can be property
interests, bound with risk of (death), missing or
property damage (property insurance).
financial financial risks in
Insurance can be the property of the insurer
(insured faces), related with
unexpected expenses of natural persons, legal persons (financial risk insurance). 5. Enterprise risk insurance can be
property interests related to the risk of loss from business activities due to breach of their obligations entrepreneurs or of this
enterprise-independent circumstances,
with at risk (insurance
business risks).
6. Civil liability
be property interests related to:
1) risk of liability for hurting
life, health, or property of citizens, property legal
municipal entities, Russian Federation or
Russian Federation;
2) the risk of liability for breach of contract.
7. Objects specified in 1 - 3 of this article,
relates to personal insurance, objects specified in items 4 to 6
this article applies to property insurance.
8. If by law, does not have other
insurance allows objects to be combined
different insurance types
4 - 6 of this article, , and
insurance, under paragraphs 2 and 3 of this article, or
only personal insurance objects covered by items 1-3
this article (combined insurance).
(Article 10 Ed. Federal Law of 23 July 2013 N
234-FZ-Russian Federation Law Assembly ( 2013, N
30, Art. 4067)
Article 4-1. The relationships that are governed by
By Law
1. Contributors
by laware:
1) insured persons, insured persons, beneficiaries;
2 organizations, in reinsurance
organizations (to the red. Federal Act of 23 July 2013 N 234-FZ
Russian Law Assembly, 2013, N 30, st.
4067).
3) mutual insurance company
4) insurance agents;
5 Insurance brokers;
6) Actuaries. Federal Law of 23 July 2013 N
234-FZ -Collection of Russian legislation, 2013, N
30, art. 4067);
7 Russia
control and supervision of insurance activity (insurance)
(hereafter referred to as the insurance supervision authority) (ed.) Federal Act of
23 July 2013 N 234-FZ- Assembly of the Russian
Federation, 2013, N 30, art. 4067);
8) insurer cases in
self-regulating organizations (Subparagraph 8 introduced by Federal Law)
dated March 7, 2005 N 12-FZ-Legislative Assembly Russian
Federation, 2005, N 10, Art. 760);
9 Specialized Depot ( 9 )
Federal Law of 23 July 2013 N 234-FZ -Collection
Russian legislation, 2013, N 30, sect. 4067).
2. Insurance Insurance Insurance Company
insurance brokers are for the case (in .
Federal Law July 2013 N 234-FZ -Collection
Russian legislation, 2013, N 30, sect. 4067).
The activity of the insurer is
licensing, with the exception of Actuaries,
to be evaluated
single public registry of insurance entities in order,
Theset by the insurance supervision authority.
Unified State Register of Insurance Actors Must
contain information about the subject of the insurance case, it name,
location, manager, participants (shareholders), number,
issuance date, the license term, type of insurance activity,
for that issued the license, types of insurance,
which are implemented in of the insurer
(for and societies
insurance), domain name and/or network address
site of an insurance business in information and telecommunications Internet, Insurers and Insurers Missions location,
renew the license or comment (invalidations) licenses, causes and exceptions from single state Insurance Property Subjects Registry (Paragraph introduced by Federal Law dated July 23, 2013 N 234-FZ-Legislative Assembly of the Russian Federation Federation, 2013, N 30, st. 4067).
corresponding information to Unified
state registry of the insurance business no later than five
workdays from days changes to (paragraph entered
Federal Law of 23 July 2013 N 234-FZ -Collection
Russian legislation, 2013, N 30, sect. 4067).
3. Name (proprietary name) of Insurance Principal
case must contain:
1) the organizational-legal form's form
Insurance case;
2) an indication of the activity of the case
using of the words or "insurance" and (or) "reinsurance",
either mutual insurance, or "insurance broker",
derived from such words and phrases;
3) the symbol, the individualising subject of the insurance of the case.
(Item 3 in . Federal Act of July 21, 2005 N
104-FZ-Legislative Assembly of Russian Federation Federation, 2005, N
30, Art. 3115)
4. The legal legal
use fully symbol, individualizing another
insurance subject. The specified location does not apply to
child and dependent communities of the case ( 4
was introduced by the Federal Act of July 21, 2005. N 104-FZ-Assembly
Russian legislation, 2005, N 30, article 3115).
(Article 4-1 was introduced by Federal Law of 10 December 2003.
N 171-FZ-Russian Federation Law Assembly, 2003, N
50, article 4858)
Article 5: Insurers
1. Insurers recognize legal persons and capable
individuals, who have insurance contracts with insurers
or being insured by law.
2. (Paragraph 2 is no more effective on the basis of the Federal of the law
December 10, 2003 N 172-FZ-Legislative Assembly of Russian
Federations, 2003, N 50, art. 4858)
3. ( 3 was null and invalid under the Federal Act)
December 10, 2003 N 172-FZ-Legislative Assembly of Russian
Federations, 2003, N 50, art. 4858)
Article 6: Insurers
1. Insurers-insurance organizations and Mutual
insurance, created compliance with
Russian Federation for Insurance Activities
reinsurance, mutual insurance and licenses
The
set of real by the Law in the order. Organizations of the Insurance
activity by reinsurance,
are reinsurance organizations (in . Federal
Act of 23 July 2013 N 234-FZ - Law Collection
Russian Federation, 2013, N 30, est. 4067).
2. Insurers evaluate insurance risk, receive
insurance premiums (insurance premiums), form insurance reserves,
invest assets, determine or damages,
benefits, other related
fulfill the obligations under the activity insurance contract.
Insurers have the right or insurance only
items 1-3 personal insurance objects
4 of this Law, or only property insurance
and personal insurance, of paragraph 2 and
2 -6 4 of this Law (ed. Federal
Act of 23 July 2013 N 234-FZ - Law Collection
Russian Federation, 2013, N 30, est. 4067).
activity activity activity
organization, mutual insurance company to be required
Theactuarial valuation of is a responsible actuary. Actuarial
Conclusion Mandatory Actuarial
evaluation by insurance underwriter
with annual accounting (financial) reporting, if otherwise
view's
insurance watchdog, but no later than July 1,
for the reporting year (paragraph introduced by the Federal Act of 23 July 2013
g. N 234-FZ-Assembly of Russian legislation, 2013,
N 30, st. 4067; to red. Federal Law of March 8, 2015. N
39-FZ-Collection of Russian legislation, 2015, N 10,
1409).
Insurers should separate expense accounting by type
mandatory insurance in order, by the body
insurance supervision (paragraph is introduced by Federal Law of July 23
2013 N 234-FZ-Assembly of Russian Legislation,
2013, N 30, article 4067).
(Paragraph 2 to red Federal Act of 10 December 2003 N
172-FZ -Russian Law Assembly, 2003, N
50, article 4858)
2-1. Insurers should create for security
preservation of documents, list of which and requirements to provide
Persists
control
(Paragraph 2-1 was introduced by the Federal Law of April 22, 2010). N 65-FZ
-Russian Law Assembly, 2010, N 17, st.
1988; to red. Federal Act of 30 November 2011 N 362-FZ-
Russian Law Assembly, 2011, N 49, st.
7040).
2-2. In cases, if insurance is required
information, contained in the United State registry
real property of and transactions with it, or informationmade in
state real estate cadastre, not
right to require from the insured, of the insured
benefits, and
Intentcontract of insurance, the view of the information. In specified
organization and in
set by Federal by Law of 21 July 1997 N 122-FZ " Oh
State registration of real property rights and transactions
and Federal by the law July 2007
state property cadastre ", within three working days from of the citizen's delegate or representative legal person queries and gets in specified federal times in the federal executive authority, delegate in state registration
for real estate and on the transactions with Cadastre and
public property cadaster real estate, , or
public government budget
empowered in accordance with
such body, , in Single State
registry of properties and transactions with it, or information
contributed in the real estate cadastre, in electronic
form (paragraph 2-2 of the Federal Law of 13 July 2015 g. N
259-FZ -Collection of Russian legislation, 2015,
29, article 4,385).
3. Organizations that arechild societies by
Relation to Foreign (major organizations)
having a share of foreign investors in their authorized capital more
49 percent, may not implement in the Russian Federation
coverage of life, health of and citizens ' property by means,
these targets from of the budget corresponding to
executive (insured), insurance,
related with procurement of the goods, work, services
public and municipal needs
Property Interests of State Organizations
municipal organizations.
Organization- Children By
Relation to Foreign (major organizations)
having a share of foreign investors in their authorized capital more
51%, cannot implement Russian
insurance specified in paragraph 1 of this paragraph,
Insurance of personal insurance objects referred to in paragraph 1
article 4 of this Law, and compulsory insurance
responsibility of vehicle owners. For the purpose of this Law, foreign investors are recognized foreign organizations that have a right to execute and on conditions, of which Russian Russian Federation, Investments in the Charter of the Russian Federation the capital of an insurance organization created or again created by
territory of the Russian Federation.
If the size (quota) of foreign participation in
charter capital of insurance organisations > 50 %
Supervision
insurance activity
children > By Foreign
investors (major organisations) or with foreignshares
investors in their authorized capital of more than 49%.
Size (quota) foreign equity in in the charter capital
capital of insurance organizations is calculated by the body of the insurance
oversight every year
shares
organizations as of January 1 this year. Information
size (quota) of foreign capital participation in charter capital
insurance organizations, intro or termination
paragraphs 4 and seventh of
foreign investments to be invested in by the body
oversight in and is
official
Internet Information and Telecommunications Network within ten
days from the day of the appropriate decision.
Insurance is required to get
permission to increase the size of insurance authority
authorized capital by foreign investors (or)
their subsidiaries, alienating foreign investors
(including sales to foreign investors) of their shares (shares
in the authorized capital) and Russian shareholders (participants) are required
get the prior permission of the insurance authority
alienation of shares (shares in equity)
insurance organization in favor of foreign investors and (or)
child societies.
If (quota) participation
foreign capital in the charter of an organization's insurance capital
will be exceeded, Supervision
pre- permission for the organization,
child relationships to foreign investors
(major organizations) or foreign investors in
equity of 49
orare the result of the specified transactions.
Payment by foreign investors of owned shares (shares
< }
{ <
}
exclusively in monetary form in the currency of the Russian Federation.
(Item 3 was introduced by the Federal Act of 20 November 1999). N
204-FZ-Russian Federation Law Assembly of the Russian Federation, 1999, N
47, st. 5622; in . Federal Law of 23 July 2013 N
234-FZ-Russian Federation Law Assembly ( 2013, N
30, Art. 4067)
4. Insurance organization, of the child
relation to foreign investor or
an existing share of foreign investors in their authorized capital more
49 percent, has permission to in of the Russian Federation
insurance activity, if foreign investor (basic
organization) is not less Five is an insurance organization,
law
Thecorresponding state. Federal Act of 23 July
2013 N 234-FZ-Assembly of Russian Legislation,
2013, N 30, article 4067).
(Paragraph is lost due to Federal
July 2013 N 234-FZ - Collection
Federation, 2013, N 30, art. 4067)
(Paragraph 4 is introduced by the Federal Act of 20 November 1999 . N 204-FZ -Russian Law Assembly, 1999, N 47, art. 5622) 4-1. Pre-resolution of control in
cases of 3 of this article, is issued in
thirty days from the date of receipt by the insurance authority
statements and documents, attached to the statement and related
approved list of documents
required for for the specified prior permission
(Paragraph 4-1 was introduced by Federal Law of July 23, 2013). N 234-FZ-
The legislation of the Russian Federation, 2013, N 30, st.
4067).
5. (Paragraph 5 was introduced by the Federal Act of 10 December 2003. N
172-FZ-Russian Federation Law Collection-Federation, 2003, N
50, st. 4858; expired by Federal Act of 23
July 2013 N 234-FZ - Collection of the Russian
Federation, 2013, N 30, art. 4067)
6. goals of to reach the insured, of the insured persons
transferantbodies, persons who have intent to sign
insurance,
have its own Web site
"Internet", in is placed, in particular, next
information:
1) full name, (location ),
phones, Insurer
missions;
2 Information about leaders, about shareholders (participants,
members) of Insurer;
3) information about about documents, including
public registration number,
taxpayer number Registration
number in single state registry of insurance entities of the case
as well as information about the insurer's license and its duration;
4) Inventory of existing types of insurance;
5) insurance rules and insurance fares;
6) annual accounting (financial) reporting by the insurer and
audit three
previous reporting years;
7 annual financial reporting
audit three
previous reporting years;
8) rating agencies ' ratings agencies
(in case of attribution);
9) Insurer's activity information,
insurance types;
10 associations
unions, insurers ' associations
11) Other Information, Need Publish
provided by Russian Federation or
from custom business turnover.
(Paragraph 6 was introduced by Federal Law from July 2013 N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
7. The
Insurer's activity to be posted on Insurer's site in Information and Telecommunications Internet
business days from the date of the insurer's acceptance of the appropriate solution
if it is necessary to register or notify you about
delegate resolution-from the day of registration, respectively
or notifications.
Requirements by the in
6
insurance supervision.
(Paragraph 7 was introduced by Federal Law from July 2013 N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
8. Insurer is responsible for storing documents containing information
specified in paragraph 6 of this article, on electronic media in
timeframe, of the Archived Case Law
in of the Russian Federation and of the body
insurance
of request (para. 8 introduced by Federal Law of July 23
2013 N 234-FZ-Assembly of Russian Legislation,
2013, N 30, article 4067).
9. For the purposes of this Law, the insurance group does not
legal entity of legal entities in which
one legal person or
group
significant influence of one insurance organization (hereafter referred to as the parent)
Insurance organization of the insurance group).
Auditing and significant members
insurance group and insurance company head insurance
defined in accordance with International Financial Standard
{ Reports that are recognized in the territory of the Russian Federation.}
(Paragraph 9 by Federal Law from 23 July 2013 N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
10. Restrictions imposed by paragraphs 1 and 2
3 and of paragraph 4 of this article do not apply to insurance
organizations, that are child societies of
Foreign (major organizations) or have
foreign investors in the charter capital more
%, created or reorganized until August 22, 2012 and
matches with Russian Federation
acting on the specified date, have the right to make insurance
activities listed in paragraphs 1 and 2 of paragraph 3 and paragraph
4 of this article (paragraph 10 introduced by Federal Act of 23 July
2013 N 234-FZ-Assembly of Russian Legislation,
2013, N 30, article 4067).
Article 6-1. Information sharing in an electronic
of the form between the insurer and insurer
1. Creating and sending to the insured (insured
)beneficiary's information to the insurer in
( insurance notification
insurance event, insurance claims
and (or) other documents) for
insurance, to receive insurance payout in cases and in order,
which are provided by insurance rules,
using the 6 Law
official site of the insurer in information and telecommunications
Internet. The of the insurer
may use in of the system
insured and by the insurer
information system.
official
perpetrating actions, can
implement by the insurer (insured
beneficiaryusing a single authentication system
and authentication.
2. When implementing voluntary insurance in
electronic form sent to underwriter and signed
(insured of the person
beneficiary- -
requirements of Federal Law of 2011 N 63-FZ
"About the electronic signature", is recognized as an electronic document,
equivalent to the document on the form, signed
hand-written of this physical person, if rules
insurance does not provide otherwise.
Requirements for the use of documents and order
<
(the insured person, the beneficiary) and by the
voluntary insurance implementation set by rules
insurance and (or) other the agreement between given
complying with Federal Act of 7 August 2001
N115-FZ " About Countering Money Laundering
received criminal by, , and terrorism financing
Federal Act of 6 April 2011 N 63-FZ " On electronic
signature. "
3. Requirements for the use of electronic documents and order
<
(the insured person, the beneficiary) and by the
mandatory insurance, in particular recognition
information in the electronic form, of the signed electronic
caption, an electronic document, equivalent to
paper of the media, signed by
federal Specific
mandatory insurance and matches with
Regulatory Compliance
requirements of Federal Law from 7 August 2001 N 115-FZ
" About Money Laundering (Money Laundering) Received
criminal by, , and terrorism financing and Federal
the law of April 6, 2011, N 63-FZ "On electronic signature".
4. Voluntary Insurance Contract according to items
2 and 3 articles 434 and 940 Civil of the Russian code
Federation can be drafted in
{ \b } { \b
} { \b
} { \b
}
} insurer-to-physical person
reasons for his written or oral form of insurance
policy (evidence, certificates, receipts), signed
enhanced qualified insurer
complying with Federal Law from 6 April 2011
N 63-FZ "About the electronic signature", contract of the voluntary
insurance, composed as an electronic document, is considered
Insured by Insurer with
the time of payment by the insurance premium policyholder (insurance contribution).
Insured- The physical person pays the premium
(premium contribution) after exposure, in
contract and insurance rules
permission to sign
offered by the insurer.
5. Activity of Insurance Agents and for the Brokers
providing services related to insurance contracts in
electronic documents according to this article, not
is allowed.
(Article 6-1 was introduced by Federal Law of 4 June 2014 g. N
149-FZ- Collection of Russian legislation, 2014, N
23, art. 2934)
Article 7. Regulatory framework for society
mutual insurance
The Insurance activity
Civil of the Russian Federation By Law,
Federal Law on mutual insurance and other federal
laws (under the law) Federal Act of 29 November 2007 N 287-FZ
-Russian Law Assembly, 2007, N 49
6048.
Article 8: Insurance agents and insurance brokers
1. Underneath the activity of insurance agents, insurance brokers
Insurance and reinsurance is activity,
in insurers or
related to service provider rematch and (or)
insurer (reinsurance), insurance conditions
(reinsurance), design, enter and maintain
insurance (reinsurance), changes it
Document Decoration for Requirements
payment, insurer (reinsurance)
to carry out advisory activities.
Similar activity, by the insurer in
relation of insured persons, and also same activity
insurer or his worker,
activity as an insurance agent, insurance broker.
2. The agent's quality of an insurance activity
to the right to the or
priors or insurer management
within two years prior to being declared bankrupt by the bankruptcy court, before
expiration of three years from underwriter recognition, and
persons holding positions in Insurer
children and dependent societies.
3. The insurance broker, the insurance broker is responsible for
default or improper performance of obligations
from their activities, including the disclosure of
details of the business secret of an insurer, personal
insured data, confidence, objectivity, and
Timeliness of and documents
confirming that they are authorized to do so.
Insurance agent, broker must
Preservation of Money for Premium premium
(insurance contributions) from insurators, }
documents, provided by the insurer by the insurer,
provide insurance report on usage of insurance forms
policies, certificates, return unused, corrupted
insurance policies, certificates in order and on
covered by the contract between as an insurer and
insurance agent, an insurance broker, or in
Russian legislation.
Insurance agent, insurance broker is entitled to receive
insurers of the size of its charter capital, insurance
reserves, insurance license, reinsurance,
about life as an insurance subject, views
and the terms of the insurance being implemented.
4. Insurance agent, insurance broker can't indicate themselves in
Quality of Insurance by Insurance Contracts, to be concluded
in favor of third faces. insurer has to execute treaties
insurance on behalf of and (or) in the insurer
insurance agents, insurance brokers, regardless of
time to implement insurance policies and revenue insurer insurance (insurance premiums), paid by
insurance agent, insurance broker. Rewards to an insurer's insurance agent insurance broker for mandatory insurance, federal law on a specific type of compulsory insurance, not may exceed ten percent of the premium. 5. The insurance agents are individuals, in the number physical faces, registered in Russian Order in individual entrepreneurs, or legal Civil-Legal
Insurer in matches
authority granted to them.
agents
Insurer, including by carrying out audits of their activities and
use policies, certificates,
money
insurer and other authority.
Insurance agents must have activity
insurer, provided by 6 of the Law
supply its to the insured, to the insured
benefits, persons who have intent to contract
insurance, by their requirements, and undisclosed persons
names, , , and activities
including touchphones, operating mode, location (for
insurance agents-legal entities), list of services provided and
their cost, including the amount of their remuneration.
6. The insurance companies are legal
(business organizations) or permanently resident in
Russian Federation and registered in
Russian Order in
individual entrepreneurs individuals
Insurance
brokerages opinion
changing, termination of and insurance contracts
order for individuals or legal (insured)
his name, but at the expense of these or
other actions for conclusion, modification, termination and
Insurance (reinsurance) for
insured (reinsurance) or insurers
(reinsurers). Insurance broker with insurance broker
insurance broker service contract defines list
insurance services broker services, responsibilities,
contract execution order, action, service cost
(insurance broker compensation), mutual settlements,
including ordering and timing for insurer of money
insurance broker for insurance
(reinsurance) (if this activity is insured
Abroker).
If the insurance broker
activity for the insurer, it is required to notify of this
insurer and not to the right to receive
service per insurance contract and from from
insurer.
Insurance brokers right to run other related
By law
activity, for insurer
reinsurer, insurance agent.
Insurance broker is not entitled to render services
mandatory insurance.
Insurance brokers using money
insured (reinsurance) of the contract
insurance (reinsurance), will credit
special bank for the enumeration
insurer in terms not exceeding three working days. Insurance
brokers may not perform other operations on this account.
Insurance brokers using money
insured (reinsurance) of the contract
insurance (reinsurance) must have a performance guarantee
liabilities in the form of a bank guarantee in the amount not less than
millions of rubles or availability of own funds of no less than
three million roubles in cash.
7. Activities of foreign insurance brokers on the territory
Russian Federation is not allowed, except implementation
mediating quality of the broker
reinsurance and cases
Russian Federation.
8. The insurance broker must provide the insurer
requirement information about your name, location,
license to carry out activities in quality
insurance broker, list of services, underwriter, in
whose interests are insured, on-hand (with
shares) or no participation in of the insurer
(Insurers), and
Insurance Results
objects, risks, tariffs and other
Insurance different
{ \cs6\f1\cf6\lang1024 } Insurance broker's proposal was formed with
the needs of the policyholder.
Insurance provides to the insurer
insured information about insurance risk, object, object
insurance, Other
information and documents related to and
insurance policy, performance of duties, in order and in
amount that is set by the Russian Federation's legislation
and the contract between the insurer and the insurance broker.
9. Supervision of insurance brokers is carried out
insurance supervisory authority in accordance with the requirements of this
Law, the part of
responsibilities, by the contract between and
Aninsurance broker.
10. Insurance agents and insurance Brokers are required toexplain
insured persons, insured persons, beneficiaries, and
people who have the insurance contract
clauses contained in insurance rules
insurance. Insurance agents and insurance brokers- legal
faces the obligation to place the information required by paragraphs 5 and 8
true article, on in information-telecom
Internet.
11. Insurers maintain insurance and insurance premiums
brokers with which they have services
related to insurance. Information from the Insurance Agent Registry and
insurance brokers to identify an agent's insurance
or an insurance broker as a person with
services, related Insurance
(last name, first name, middle name (if any) or the name of the insurance
agent, insurance broker, or of the contract),
Internet Information and Telecommunications Network. Authority
registry and insurance broker registry and location
"Internet" can be passed by the insurer
insurers of which the insurer should report to in
Information and Telecommunications Internet
information about this aggregation of insurers.
(Article 8 in red. The Federal Act of 23 July N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
Article 8-1. Federal Act of 10 December 2003
N 171-FZ-Russian Federation Law Assembly, 2003, N
50, st. 4858; lost by Federal Act of 23
July 2013 N 234-FZ - Collection
Federation, 2013, N 30, art. 4067)
Article 9: Insurance risk, insurance case (name in red. Federal Act of 10 December 2003 N 171-FZ-Russian Federation Law Assembly, 2003, N 50, article 4858) 1. The risk is the alleged event, in case attack is insured. An event that is considered an insurance risk
have probability and probability of occurrence.
2. The case is the event
provided by contract or by law, with
which is the reinsurance liability to make an insurance
payment to policyholder, insured person, beneficiary or
other third parties.
3. (Paragraph 3 is no more effective on the basis of the Federal of the law
December 10, 2003 N 172-FZ-Legislative Assembly of Russian
Federations, 2003, N 50, art. 4858)
Article 10: Insurance premium, insurance premium, franchise
(name in red. Federal Law of 23 July 2013 N
234-FZ-Russian Federation Law Assembly ( 2013, N
30, Art. 4067)
1. The amount of - money amount, that is defined in
order, set by by the law (or)
insurance against its conclusion and based on which
premium size (premiums) and insurance
the event of the event. Federal
Act of 23 July 2013 N 234-FZ - Law Collection
Russian Federation, 2013, N 30, est. 4067).
2. When the property insurance is implemented, the insured amount is not
may exceed its actual cost (insured value)
in insurance contract . Parties may not
challenge insurance property value, defined by contract
insurance, unless the insurer proves that it
was intentionally misled by the policyholder.
insurance insurance or
how it is determined by an insurer by agreement with
insurer in the insurance contract (under the insurance contract) Federal Act of the Russian Federation
23 July 2013 N 234-FZ-Legislative Assembly of the Russian Federation
Federation, 2013, N 30, st. 4067).
3. The insurance is the sum of the money, that is defined in
order, set by by the law (or)
insurance, , and are paid by as insurer
insured person, the recipient of
insurance case (in Federal Law of 23 July 2013 N
234-FZ-Russian Federation Law Assembly ( 2013, N
30, article 4067).
Insurance payment insurance contracts
Currency Russian Federation for Cases
paragraph 4 of this article, currency
Russian legislation adopted in accordance with
regulatory legal acts of foreign exchange regulators
(Ind. Federal Act of 18 July 2005 N 90-FZ Assembly
Russian legislation, 2005, N 30, article 3101).
Insurers may not to reject
grounds, not provided by federal law or
insurance (paragraph introduced by Federal Act of 23 July 2013) N
234-FZ-Russian Federation Law Assembly ( 2013, N
30, article 4067).
4. Property and (or)
liability within the insurance amount may be provided
replacement of the (insurance compensation)
property, of the same property lost in
damage to property, without loss, -Organization and
(or) payment by the insurer in for an insurance repair claim
damaged property (ed. Federal Act of 23 July 2013
g. N 234-FZ-Assembly of Russian legislation, 2013,
N 30, article 4067).
5. In the loss, of the propertyof the property
insured, beneficiary has the right to relinquer its rights
in favor of the insurer for the insurer
payments (insurance) in the amount of the full insured amount.
6. In the insurance of the insurer's payment
(insured value) is produced by the insured or entitled
to receive insurance (insurance amount)
insurance, regardless of from amounts, others
insurance, Social
Insurance, social security and damages.
In matches with the insurance agreement of the insurer to the account
insurance payout right to organize
medical and medical
services, provided to the insured person (ed.) Federal Law
dated July 23, 2013 N 234-FZ-Legislative Assembly of the Russian Federation
Federation, 2013, N 30, st. 4067).
Insurer life insurance in addition to
insurance sum can pay investment revenue
insured or other person to whom the contract is signed
life insurance (under Ed. Federal Law of 23 July 2013 N
234-FZ -Collection of Russian legislation, 2013, N
30, article 4067).
Size of investment income to be distributed between
life insurance contracts of participation
insured or otherwise persons in
insurance of life, in investment insurer,
is defined by the insurer. Order of
methodology distribution of between life insurance contracts
Theis being established by the insurers ' association. Insured or Other
person for which life insurance contract has been concluded
ask for for explanation
{ \cs6\f1\cf6\lang1024
}Investment income to{ \cs6\f1\cf6\lang1024}
TheAct of 23 July 2013 N 234-FZ - Legislation
Russian Federation, 2013, N 30, st. 4067).
7. of the life insurance contract
providing of the
age or time or of the event of another event, for the insured
returns amount to the limit
order of insurance reserve on day of termination of the insurance contract
(Sum amount).
8. and individual entrepreneurs are required
provide to insurers on their requests for documents and opinions,
related and required
repayments
of the Russian Federation.
9. Franchise-part of the loss, which is defined by
law and (or) insurance contract is not to be refunded insurer or other other
insured in matches with the insurance contract terms, , and
fixed as percentage from insurance
or fixed size.
The franchise can
conditional (insurer is exempt from damages, if
size does not exceed the size of the franchise, but refunds it entirely
in if the size is larger than
unconditional ( insurance determining
differencebetween the size of the loss and the size of the franchise).
insurance can be other species
franchise.
(Paragraph 9 by Federal Law from 23 July 2013 N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
(Article 10 to the red. Federal Act of 10 December 2003 N
172-FZ -Russian Law Assembly, 2003, N
50, article 4858)
Article 11. Premiers premium
and insurance fare
1. Premier (premiums) is paid
insured in Russian for with the exception
cases, provided by currency by Russian
Federations and their adopted legal
Acts of foreign exchange regulators (under the law). Federal Law
dated July 18, 2005 N 90-FZ-Legislative Assembly Russian
Federation, 2005, N 30, article 3101).
2. The premium
insurance sum based on Insurance Property and Nature
risk, and other insurance conditions, including availability
franchise and its size in terms of insurance.
Insurers are required to use (economically)
justified insurance tariffs,
matches the calculation of insurance rates.
Requirements for the calculation of insurance fares, including
structure and content, methods, and of insurance principles
(base rates and or
limit values for specified factors) by type of insurance,
insurance is established by the insurance supervisory authority.
Insurance rates (base tariff rates and coefficis to them
or limit values of these coefficies) by
insurance is calculated by insurers
statistics (including statistics)
collection, of and communities to be parsed
insurers) containing information about insurance cases, insurance
payments, insurance loss level no less than per
three reporting years, immediately preceding of the calculation
insurance
Insurance of life, and Five
immediately preceding calculation date tariffs
life insurance.
Insurance on the voluntary
insurance is defined by agreement of the parties.
(Paragraph 2 to red The Federal Act of of July N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
(Article 11) Federal Act of 10 December 2003 N
172-FZ -Russian Law Assembly, 2003, N
50, article 4858)
Article 12: Sinsurance
1. Insurance - activity insurance,
in conclusion
multiple underwriters and insurance contract insurer,
risk, insurer size
insurance (insurance premium contribution)
Theinsurers in such a contract as established by such a contract.
2. When an insurance event occurs under an insurance contract,
inmate under paragraph 1 of this article, insured,
insured persons, eligible to address
requirement for an insurance payment to any insurer specified by in
such a contract.
If in an insurance policy that is based on paragraph 1
true article, undefined rights of each from
insurers, they are associated with before insurers,
insured persons, for the implementation
insurance payout.
(Article 12 Ed. Federal Law of 23 July 2013 N
234-FZ-Russian Federation Law Assembly ( 2013, N
30, Art. 4067)
Article 13: Reinsurance
1. Reinsurance - coverage of one
insurer (reinsurance) Other
insurer (policyholder) associated with accepted last
insurance contract (master contract)
insurance payment.
Non-due in reinsurance and remaining
own risk investigator retention (risk) of insurance
payment or loss level or loss level
insurance is defined in order and (or) in size
set in the policy of of the reinsurance. Risk of the insurance
payout, greater than of the retention
reinsurance, to be transferred to reinsurance.
2. Reinsurance is implemented on the contract
reinsurance, concluded between and
reinsurance matches civilian requirements
Russian legislation.
In addition to the reinsurance agreement
between the insurer and the reinsurer of the agreement
reinsurance and
use custom themed business { turnover in the realm of reinsurance } . 3. If reinsurance does not provide other
reinsurance (retroactive) is entitled to commit to
insurance payment ( obligation for the payment),
accepted reinsurance, to another reinsurance
or others (retrocessionaires)
contract, reinsurance contracts (retrocessions).
4. Reinsurance is implemented in form optional,
facing, optional-facing
facing-optional and in
is not proportional.
5. Under optional reinsurance, the reinsurance investigator
is entitledpass to reinsurer reinsurance commitment to
insurance payment or part of obligation payment
imprisoned transsured insurance contract
reinsurer has the right to insure the specified obligation or
part of the specified obligation or refuse to reinsurance it.
6. The reinsurance of the reinsurance is required
delegate to reinsurance on prisoner conditions
with the insurance reinsurance contract
or part of an obligation to an insurance payment by of the
insurance, concluded by by the reinsurance
terms of the specified reinsurance contract, and such commitments
as reinsured by reinsurer since joining
force of the underlying insurance contract if
Thereinsurance contract is not intended to be different.
7. At , optional-facing reinsurance
policyholder is entitled to transfer to reinsurer in reinsurance
obligation on insurance or part of the obligation
insurance repaid by the reinsurance carrier
contract of insurance, and reinsurance company
Thespecified commitment or part of the specified commitment.
8. reinsurance-optional reinsurance
reinsurance to transfer to reinsurer in reinsurance
s reinsurance
or part
insurance payout for insurance contracts, prisoners
policyholder and of the clause
reinsurance, and the reinsurer has the right to insure the
liabilities or part of specified commitments, or no in
reinsurance.
9. Non-proportional and proportional to
reinsurance defined by related
reinsurance.
10. The contract between the insurer and the reinsurer can
be reinsurance commitment
paymentinsurer positive difference between and
reinsurer
reinsurance or a group of such contracts for a specific period
time (bonus).
11. Foreign and (or) reinsurance
organization, received in matches
law where they are established, right to implementation
reinsurance, rightreinsurance
Russian Insurers
imprisoned (parts of
liabilities).
12. Not reinsurance-Insurer for
life insurance contract
risk insurance of the insured
age or time, and the obligation of the contract
mandatory Civil owners
vehicles.
13. Insurers licensed for insurance
life, not to implement risk reinsurance
property insurance.
(Article 13 in . Federal Law of 23 July 2013 N
234-FZ-Russian Federation Law Assembly ( 2013, N
30, Art. 4067)
Article 14. Insurance Actors
1. coordination goals
activity, representing and protecting the shared interests of its members
can form unions, associations, and other joins.
2. The information about the insurance business association is to be reported
making
Copy
evidence of state registration of such associations and
constituent documents.
(Article 14 to the red. Federal Act of 10 December 2003 N
172-FZ-Russian Federation Law Collection-Federation, 2003, N
50, article 4858)
Article 14-1. Insurance (reinsurance) pools
1. Insurance (reinsurance) pool
Insurers
individual or risk insurance
treaty of the simple [ [ ]] [ [ partnership]]
activity).
2. The pools for financial
Resiliers
insurance benefits, can exceed
money (capital) of one organization, , and in
principles of insurance or reinsurance.
3. Reinsurance pools are created for the financial increase
pool members ' ability to implement reinsurance against in
parts that exceed the native retention of pool
insurance. Obligations by insurance < >
own funds (capital) of the members of an insurance pool, are passed
on behalf of the insurance pool in reinsurance.
4. reinsurance Members can
insurers licensed to implement reinsurance, in
Thenumber of foreign organizations. Quantity
participants in the insurance (reinsurance) pool are not restricted.
5. Participants in insurance (reinsurance) pool generate
common principles and coverage of insurance
(reinsurance) in pool, exchange information
insurance, reinsurance, insurance risk assessment
loss or damage determination, define pool controls and
(or) the pool leader, their authority, order in
other insurance (reinsurance) pools, output
members of an insurance (reinsurance) pool from
pool.
6. Information about the insurance pools to on the site
or
Internet Information and Telecommunications Network.
7. Federal laws specific species
insurance can be
insurance (reinsurance) activities.
(Article 14-1 was introduced by Federal Law of 10 December 2003.
N 171-FZ-Russian Federation Law Assembly, 2003, N
50, st. 4858; to the red. Federal Act of 23 July 2013 N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
Chapter II (Articles 15 -24). (Deleted by Federal Law
December 31, 1997 N 157-FZ-Legislative Assembly of Russian
Federation, 1998, N 1, art. 4)
Chapter III: TO ENSURE FINANCIAL SUSTAINABILITY
AND INSURANCE PAYMENTS
(name in) The Federal Act of of July N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
Article 25. Conditions for financial sustainability
and Insurer
(name in red. Federal Law of 23 July 2013 N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
1. Financial Resiliances
solvency of the insurer is economically justified
insurance fares; insurance reserves; tools
insurance reserves, sufficient for on
insurance, composition, reinsurance, mutual insurance;
own (capital); reinsurance (in .
Federal Law of Nov. 29 2007 N 287-FZ-Assembly
Russian Federation Federation, 2007, N 49, st. 6048;
Federal Law July 2013 N 234-FZ -Collection
Russian Federation Federation, 2013, N 30, st. 4067;
Federal Law of Nov. 28 g. N 349-FZ-Assembly
Russian legislation, 2015, 6715).
(Paragraph is lost due to Federal
July 2013 N 234-FZ - Collection
Federation, 2013, N 30, art. 4067)
2. Insurers ' own funds (capital) (excluding mutual insurance companies) include charter capital, capital, extra capital, and undistributed profits. Insurers should invest native
(capital) on terms of diversification, liquidity, return and
yields. Insurers does not have the right to invest native
funds (capital) in legal legal
give loans to for (capital) account
exceptions are the cases set by the insurance supervisory authority.
dependency of
insurers, insurance conditions, new
investment projects set to list for
investment of assets and investment order of your own
capital (capital) that provides for issuers of securities
papers and (or) securities issues in dependencies of assignments
rating, include in quotation lists by trade organizers
in securities market, asset structure in
allocating part of own funds (capital) of insurers (in
number of maximum allowed percentage
cost each of or of assets from to
own funds (capital) of an insurer or part thereof).
Investment of your own (capital)
Insurers on their own or by share in
trust management of the managing company.
(Item 2 in The Federal Act of 23 July 2013 N
234-FZ-Russian Federation Law Assembly ( 2013, N
30, Art. 4067)
3. Insurers (excluding mutual insurance companies)
must have the fully prepaid equity capital,
must be below by this Law
minimum authorized capital size (in the red area) Federal Law
of 29 November 2007 N 287-FZ - Legislation
Russian Federation, 2007, N 49, Art. 6048.
The minimum size of the insurer
only medical medical
set in the amount of 60 million rubles. Minimum size
Insurer's
base of its charter capital, equal to 120 million
rubles, and the following coefficies (reed. Federal Law of 29
November 2010 N 313-FZ -Collection of Russian legislation
Federation, 2010, N 49, Art. 6409):
1-to implement objects
paragraphs 2-6 of Article 4 of this Law (ed. Federal Law
dated July 23, 2013 N 234-FZ-Legislative Assembly of the Russian Federation
Federation, 2013, N 30, art. 4067);
1-to implement objects
2 and 3 of Article 4 of this Law (ed. Federal
Act of 23 July 2013 N 234-FZ - Law Collection
Russian Federation, 2013, N 30, art. 4067);
2-for for objects
article 4, paragraph 1, of this Law (ed.) Federal Act of the Russian Federation
23 July 2013 N 234-FZ- Assembly of the Russian
Federation, 2013, N 30, art. 4067);
2-for for objects
1 - 3 Article 4 of this Law (ed. Federal
Act of 23 July 2013 N 234-FZ - Law Collection
Russian Federation, 2013, N 30, art. 4067);
4-for reinsurance, and insurance in
combination with reinsurance.
Change the minimum size of the insurer's insurer
only federal by law more than once in two
A mandatory transition period.
Make the charter capital of the borrowed funds and located in
collateral is not allowed.
3-1. List of documents, confirmation of
requirements for { \cs6\f1\cf6\lang1024
} capital
insurer, is set by insurance supervision authority (para. 3-1
was introduced by the Federal Act of April 22, 2010. N 65-FZ-Assembly
Laws of the Russian Federation, 2010, No. 1988; to the red.
Federal Act of 30 November 2011 N 362 - Collection
Russian legislation, 2011, N 49, and sect. 7040).
4. Insurers are required to comply with the financial requirement
and on the ability to pay in the form of insurance
reserves, order and investing conditions
(capital) and funds of insurance reserves,
equity (capital) and commitments,
other requirements, set by by Law and Regulatory
Acts of the insurance supervisory authority.
Insurance group head insurance is also required
comply with the requirements of paragraph 1 of this
on a consolidated basis.
(Item 4. The Federal Act of of July N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
4-1. of the organization's Rule Order
ratio of equity (capital) and committed commitments
(in metrics for this
calculated) is set by the control control ( 4-1
introduced by the Federal Act of 23 July 2013. N 234-FZ-Assembly
Russian legislation, 2013, N 30, sect. 4067).
4-2. In the case of a violation of by the insurer's of the normative
ratio of equity (capital) and committed commitments
plan
Financial Location, Requirements
set by supervision ( 4-2
Federal Law of 23 July 2013 N 234-FZ -Collection
Russian legislation, 2013, N 30, sect. 4067).
4-3. When calculating the native investment ratio
(capital) and commitments insurance organization right
take into account subordinated loans in size, not
one
(capital).
Subordinated
understand how to raise money's insurance funds
loan contract that contains the following conditions:
provisioning money
takes no less than five years without the right to demand
before the specified time expires;
interest limit on the amount of the loan, not
may exceed the contract's effective date
(loan contract) refinancing rate of the Bank of Russia, increased
1.2 times.
When determining the Normative Ratio
(capital) and accepted insurance liability not to the right
consider subordinated loans received from other insurance
organizations. This provision does not cover insurance
organizations that are children and societies
insurance organization.
Sum of subordinated loans, of insurance
child and dependent societies will be excluded
own equity ratio (capital) and
accepted of the organization's
subordinated loans.
(Paragraph 4-3 of the Federal Law of 23 July 2013 N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
5. ( 5 expired on the basis of the Federal Act)
23 July 2013 N 234-FZ- Assembly of the Russian
Federation, 2013, N 30, art. 4067)
(Article 25 in red. Federal Act of 10 December 2003 N
172-FZ-Russian Federation Law Collection-Federation, 2003, N
50, article 4858)
Article 26. Insurance reserves
1. For , by the By Insurance Property
insurance, reinsurance, insurance mutual insurance
for actuarial calculations determine the monetary value
form of insurance reserves (form insurance reserves) and
provides with their assets (insurance reserves). Tools
insurance reserves must be enough for
insurers ' implementation of upcoming insurance
insurance, insurance, reinsurance,
mutual insurance and other service actions
specified commitments (to the red. The federal law of Nov. 28
2015 N 349-FZ-Assembly of Russian Legislation,
2015, N 48, st. 6715).
2. The insurance reserves
insurers according to insurance rules
reserves, that is approved by and
set (to the red. Federal Act of 28 November 2015 N
349-FZ- Collection of Russian legislation, 2015,
48, Art. 6715:
1) reserves, and
formations;
2 or approaches
defining;
3) requirements for creating insurance reserves;
4) requirements for documents that contain information required
to calculate insurance reserves, and how long to keep such documents;
5) {
}
{
}
{ \field
}
{ \field
}
provident;
6) the order of the supervision of the method of control
calculation of insurance reserves that differ from
rules for generating methods ( number
terms and conditions for such reconciliation, reasons for refusing
consistency).
3. The insurance reserves are used exclusively for
performance of the obligations specified in paragraph 1 of this Article (in
Federal Law of 28 November 2015 N 349-FZ-Assembly
Russian legislation, 2015, 6715).
4. Reserve money insurance reserves not to be exempt from budgets
The Russian Federation'sbudget system Federal Law
from 28 November 2015 N 349-FZ - Legislation
Russian Federation, 2015, N 48, Art. 6715).
5. Insurer is obliged to invest and otherwise place
diversification
diversification
liquidity, return and in compliance
Theinsurance authority of the supervision. Insurers to the right
invest reserves in
faces, individuals and issue loans for insurance
reserves, except as set out in paragraph 7 of this articles and regulations of the insurance supervisory authority. dependency of
Insurers, Insurance Conditions
new investment projects installs list of
to invest assets and how to invest
insurance reserves that provide requirements to issuers of securities
or dependencies
rating, include in quotation lists by trade organizers
in securities market, asset structure in
hosting the insurance reserves ( requests,
maximum allowedpercent of cost
every or Asset
reserves or individual types of insurance reserves).
6. The investment of insurance reserves is implemented
Insurers on their own or by share in
trust management of the managing company.
7. When you are implementing insurance of personal insurance objects,
Article 4 (1) of the Law, insurer
has the right to provide an insured person with a loan within
insurance of the reserve, of the insurance contract
A prisoner for a term not less than five years.
Order and of provisioning
set by contract, between by the insurer and
insurer.
(Article 26. Federal Act of 23 July 2013 N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
Article 26-1. Submitting Insurance Portfolio
1. Underwriter (excluding community of mutual insurance)
can pass, in cases
Russian Federation, is required to transfer obligations to treaties
insurance (portfolio) to one insurer or multiple
( Insurance Company
and
ability to pay based on newly committed liabilities and
licenses to implement insurance types by which is passed
insurance portfolio (replacement of insurer).
In Russian
Federation, transmission of portfolio to negotiate
Thesecurity oversight body in the established order.
2. The transferred insurance portfolio is composed of:
1) obligations on insurance contracts,
generated insurance reserves;
2) assets taken to cover insurance
reserves.
3. Bases for portfolio transfer by the insurer
are:
1) feedback from the insurer for insurance
Activities by Insurance Supervision Authority;
2) Insurer of established requirements of financial
and capacity to pay, resulting
financial status, if of the portfolio
is a plan to restore an insurer's capacity to pay;
3) Accept by the reorg
liquidation;
4) Accept the voluntary rejection
or Implementation
insurance;
5 insurer from insurers merged
Specific Cases
mandatory insurance;
6) other federal grounds.
4. Insurer, Transceiver Insurance Portfolio,
insurance portfolio, formed for the
submission of an insurance portfolio, in to given 2
true article, including the insurance contracts,
valid of the Transfer
portfolio and insurance contracts that have expired
Portfolio
}
obligations for which the insurer is not fully implemented,
along with requirement premiums (insurance
contributions) insurance contracts for the insurer,
receiving insurance portfolio. Single Contract Commitments
insurance can only be transferred to one insurer.
5. The cost of assets, of in of the insurance
portfolio, can be equal to formed insurance reserves
to be greater than formed insurance reserves (transfer of insurance
portfolio with mark-up) or less than formed insurance reserves
(transmission of the insurance portfolio with a discount).
An insurance portfolio transfer is not allowed, if
Amount of Markup (Exceed of the value of assets
over generated insurance reserves) is greater than minus between
the net and by the insurer's
transferring insurance portfolio. The transfer of the insurance portfolio with a discount is not allowed, if assets, in the of the portfolio, makes less than half of the insurance reserves (for exception to insolvency of (bankruptcy) of the insurer, transferring insurance portfolio and other federal funds laws of cases). insufficiency of assets, in composition insurance portfolio, missing assets can
compensated by union for for
federal laws.
Cost of assets transferred as part of the insurance portfolio
specified of cost
The independent market value adjuster. 6. Submitting the insurance portfolio to
Portfolio Transmission Between
insurer, transferring insurance portfolio, and underwriter
host insurance send act
insurance portfolio. Requirements for the contents of the contract and
Theact of receiving-transmission is established by the insurance supervisory authority.
7. The insurer, transferring the insurance portfolio, places
notification of intent to transfer insurance portfolio to its site
in Information-Telecommunications Internet
publishes this notification to in the body,
insurance supervisory authority, and two periodics,
print runs of which ten
instances and which are propagated throughout
The insurer'sactivity . Notice of intent to pass
insurance portfolio is also subject to of the insurance
Internet Information and Telecommunications Network.
8. Notification of intention to transfer insurance portfolio must
Contain:
1) causes and transmission order of the insurance portfolio;
2) Name (trade name) and location
insurance receiving portfolio;
3) Insurer of
insurance portfolio, and financial position
insurer receiving insurance portfolio;
4) request for written consent to Replace
insurer or this replace with
representing such consent or rejection;
5) explain
The consequences of this failure. 9. Failure to replace with the insurer
termination of insurance contract and of the insured part
insurance premiums proportional to the time difference,
has an insurance agreement and a time period
was in effect, or payment of amount for insurance contract
life.
If you have five days from the posting date
insurer, transferring insurance portfolio
intention to transfer insurance portfolio against policyholder to
written form not to replace underwriter, insurance contract
is to be transferred as part of the insurance portfolio.
10. Insurer, transferring insurance portfolio:
1) creates a list of insurance contracts, obligations by
which is passed to another insurer;
2) promotes compliance checks
insurance, to which is transferred
insurer or other insurers, Russian legislation
;
3) determines reservations
insurance, to which is passed to the underwriter
receiving insurance portfolio, or in the case of of insurance
portfolio multiple insurers reserves
of every receiving of an insurance
portfolio;
4) defines the types and costs of assets to be transferred to
insurance portfolio composition;
5) performs the relationship with insurers,
insured persons, by declared
insurance cases, filed
insurance and non-replacement of underwriter, received before
transferring the insurance portfolio that was agreed by to the
portfolio transfer;
6) notifies of reinsurers
portfolio;
7 performs
from transmissions Theinsurance portfolio of an activity.
11. Insurer receiving insurance portfolio:
1) organizes insurancecompliance checks
commitments on which
Insurance portfolio, Russian legislation;
2) provides the insurer that passes the insurance to the portfolio
information about your activities and your financial position;
3 informs the reinsurance companies
reinsurance contracts, prisoners by the insurer,
insurance portfolio, and taking over
insurance contracts included in the transferred insurance portfolio;
4 performs other
from transmissions Theinsurance portfolio of an activity.
12. if insurance rule of the insurer,
Host insurance Portfolio, correspond to Rules
Insurance of the insurer of the insurer
insurer that has accepted an insurance portfolio, executes obligations insurance contracts included in the insurance portfolio, according to the conditions they have wrapped, , and notified accordingly in of the insurance
oversight.
Insurer that has accepted the insurance portfolio, has the right to approve
improving the terms of insurance contracts with in
benefits, as well as beneficial beneficiaries and insured
and make appropriate insurance
The law of the Russian Federation is in the order of the Russian Federation.sign of the Portfolio
insurer that has accepted the portfolio, has no right to contest
approved insurance portfolio, committed commitments, and
value of committed assets.
13. After signing the act of receiving-transmission of the insurance of the portfolio
message about the completion of of the insurer
information about the insurer, accepted the portfolio, , and dates
Insurance
included in the transferred insurance portfolio must be:
1) is available for three working days on the insurer's site
which transferred the insurance portfolio, and on the insurer's website
Insurance Portfolio, in Information and Telecommunications of the Network
Internet;
2) published 15 days
insurer who accepted the portfolio, in the body
specified
and Periodicprinted editions, each of which has a print run of at least
ten thousand instances, which are distributed in
the activity of the specified insurer.
14. From the day of the signing of the act of reception-transfer of insurance portfolio
to insurer receiving insurance portfolio, all rights
and responsibility for insurance contracts.
15. For the months
receipt-transfer of insurance portfolio insurer that received insurance portfolio, required to cast the composition and structure of assets to native (capital) and insurance funds reserves, as required, installed The law and regulations of the insurance supervisory authority. 16. The reinstalled
insurance transmissions reinsurance portfolio. (Article 26-1 was introduced by Federal Law of 23 July 2013. N 234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067) Article 226-2. Accounting and storage of securities accepted for Insurance reserves and private (capital). Control Insurer's assets 1. Securities for Insurance Provision and equity (capital) of the insurer that implements Activities by Insurance Types 2, 3 and 24 Paragraph 1 of Article 32-9 of this Law must be considered (or) is stored in a specialized depot. 2. The insurer can
legal person who has a license implementation of the depositary
activity and
specialized of the investment of funds, trusts
Investment funds and non-state pension funds.
Specialized
isolating securities taken to cover insurance
and (capital) (capital) of the insurer, by
to open and maintain separate debit accounts.
3. Provision of securities storage and accounting services, which
and equity
(the capital) of the insurer, as well as daily monitoring
Insurers for Location of Reserve Premiers
and equity (capital), composition requirements, and structure
assets taken to cover insurance reserves and
money (capital) of underwriter, insurance rules
reserves and native (capital) of the insurer
provided by federal laws, different legal
acts of and by the regulatory supervision,
specialized by the
prisoner with underwriter and management company (if it
attracting by the insurer to provide accommodation services
insurance reserves and (or) equity(capital)
insurer)
Depot in matches and order of
set by by the insurance control. Custom
depot is required to implement control
approved
rules control control
to cover insurance reserves, , and native funds (capital) of underwriter, form used and order the control of (in ) Federal Law of June 2015 N 210-FZ - Collection Russian legislation, 2015, 4001).
Services of a custom depotat a time
only a legal
which have the appropriate licenses.
The
is responsible for beforeinsurer for improper
responsibilities in with Russian
Federation.
In case of damage to insured persons
default
control over compliance by the insurer and/or the controlling company
insurance composition and structure requirements
to cover insurance reserves and native (capital),
specialized depot is a shared responsibility with
insurer and (or) with the managing company of the insurer.
4. Information
specialized of the depot, o termination
compacts, and contributed
insurer for an insurance supervisory authority not exceeding three
workdays days
specialized depot,
changes to it.
5. Depot Service Contract
terminating:
1) by agreement of the parties
contract;
2) if the insurer has been revoked from
sixmonths since the recall;
3) specialized
depot since annulment
licenses;
4) custom
Specialized
}
depository;
5) one
of the contract from of thecontract;
6) when the contract expires.
6. Service
specialized of the depot immediately
insurer
to terminate the contract.
specialized depot last bound to pass to another
specific insurer, specialized depot valuable
papers adopted for and
funds (capital) insurer, documents, confirming
Property Insurer, and information about other Insurer's assets,
accepted and equity reserves
(capital) insurer, violations, s
specialized Depot and Filled by the insurer
(or) the management company of the insurer.
Ininsurer provides implementation continuity
specialized Depository of Control Functions
assets taken to cover insurance reserves and
funds (capital) of underwriter, installed requirements to the composition
and the structure of such assets.
one of the side of the Services
specialized Depot must be
notified at least three months before
treaties, unless otherwise specified by federal law.
7. In connection with the implementation of its activities in
with this Law 'Specialist Depot' has the right to receive from underwriter and its managing companies current and reliable information about assets taken to cover the insurance reserves and equity (capital) of the insurer. 8. The Specialized Depositary must: 1) perform daily monitoring of the composition and asset structure to cover and own funds (capital) of underwriter, requirements of present Law, other regulatory legal acts and normative acts
insurance supervision;
2) implement of the insurer,
storing proof of an insurer's ownership
on property, for coverage of the reserves
own (capital) of the underwriter (if for
types of property by regulatory legal acts, normative acts
insurance supervision authority is not provided otherwise) and storage
information about other assets, for insurance coverage
reserves and equity (capital) of the insurer, in order,
set by insurance supervision authority;
3 control the value of the assets,
which is accepted to cover the insurance reserves and
(capital) of the insurer installed insurance supervisory authority; 4) (Subparagraph 4 has ceased to be valid under the Federal Law dated June 29, 2015 n 210-fZ-Assembly of Russian legislation Federation, 2015, N 27, art. 4001) 5) notify of the insurer
management companies engaged by an insurer to provide services
to host and equity reserves
(capital) of underwriter identified during control
violations of this Law, other regulatory legal
acts and regulations of an insurance supervisory authority not later than three
work days in the day of their identification;
6) represent and the underwriter
reporting in and in dates, set by
insurance supervision;
7) ensure that their rights and responsibilities are transferred
assets taken to cover insurance reserves and
(capital) of underwriter, custom
or of the termination
custom
order and time specified by the contract;
8) specialized
Depot with
Otherexception of the activity and of the credit activity
organization taking into account the requirements of paragraph 9 of this Article;
9 preventing conflict
interests in its affiliation with
Theinsurer to which it provides services;
10) not in the (members) of the organization,
registered in or in territories where is not
drill down and provisioning information
finance operations;
11) submit documents to the audit commission of the insurer
required for its activities
12) expose information about and to
shareholders (members) in order and in time frames
insurance supervisory authority;
13 use Insurer
management companies,
electronic signature digitally signed;
14) comply with other requirements, provided by
Law, other regulations and normative acts
Theinsurance supervisory authority.
9. Specialist depositaries are not
the function of the settlement depository in the securities market.
If custom is
organization, it is required to comply with the requirements of
and activities
specialized Depot fixed by by insurance
oversight.
(Article 26-2 was introduced by Federal Law of 23 July 2013. N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
Article 27. (Uspent force on the basis of the Federal Act
December 10, 2003 N 172-FZ-Legislative Assembly of Russian
Federations, 2003, N 50, art. 4858)
Article 28. Accounting and reporting
1. Insurers maintain accounting,
Accounting (Financial) Reporting, Statistical Reporting, and
also other reporting required to control and
oversight in the activity (
surveillance order).
2.
information: 1) Normative The ratio of (capital) insurer and committed obligations 2) and
results of their changes;
3) composition and structure of assets that have their own
capital of the insurer;
4) composition and structure of assets, in which is placed
provident insurance provident;
5 reinsurance operations
reinsurance and reinsurers;
6) Insurer Financial Result Structure
for individual types of insurance;
7 (participants) and in in
insurer capital;
8) other information, legal legal
Acts of the insurance supervisory authority.
3. Accounting requirements for insurance,
insurance, reinsurance and insurance (including
specifics of how the accounting plan is applied, and
Features of Information Formation in Information
(financial) insurance reporting, in number forms
accounting (financial) accounts, installed by federal states
and (or) industry standards, in order,
Installed Federal Act of 6 December 2011 N 402-FZ
"About accounting" (under Ed. Federal Act of 23 July 2013
g. N 234-FZ-Assembly of Russian legislation, 2013,
N 30, article 4067).
4. statistical
control in and in order,
set by supervision, and this
reporting to the insurance supervision body (to the red. Federal Law
dated July 23, 2013 N 234-FZ-Legislative Assembly of the Russian Federation
Federation, 2013, N 30, st. 4067).
Insurers make accounting (financial) reporting in
with Russian
Accounting, Federal and/or Industry Standards and
represent this reporting to an insurance oversight body in the order of and
Thein times, that is set by such a body (ed.). Federal
Act of 23 July 2013 N 234-FZ - Law Collection
Russian Federation, 2013, N 30, est. 4067).
Insurance Brokers statistical
forms and in the order of the insurance supervision authority
and represent this reporting to the insurance (in ed.
Federal Law July 2013 N 234-FZ -Collection
Russian legislation, 2013, N 30, sect. 4067).
Conditions and insurers
insurance brokers in documents, checklist
ratios of its metrics are set and reported to
insurers and insurance brokers of control
later of the last day of the reporting period
placing specified information on the official site of this body in
Internet Information and Telecommunications Network.
4-1. The insurance company's head insurance is required
represent in
supervision on a consolidated basis on forms, in order and time, By the Supervision Authority (Item 4-1 Federal Law of 23 July 2013 N 234-FZ -Collection Russian legislation, 2013, N 30, sect. 4067). 5. The control controls on its official site in the Internet Information and Telecommunications Network
information, contained in the reporting entities of the insurance case (in
The Federal Act of 23 July 2013 N 234-FZ-Assembly
Russian legislation, 2013, N 30, sect. 4067).
6. Accounting for Insurance of Personal Insurance Objects
Article 4, paragraph 1, of this Law (operations
life insurance), and accounting for other objects
insurance (insurance operations other than life insurance)
Theare kept separate. Federal Law of 23 July 2013 N
234-FZ -Collection of Russian legislation, 2013, N
30, article 4067).
(Article 28. Federal Act of 30 November 2011 N
362-FZ-Legislative Assembly of the Russian Federation Federation, 2011, N
49, art. 7040)
Article 28-1: Internal control
1. Insurer is required to organize Internal
monitoring to achieve the following goals:
1) Efficiency and (in number
Break Even Financial-Economic Insurer
when performing insurance and other operations;
2) effective asset management, including
security, native (capital), insurance
reserves and other liabilities of the insurer;
3 Insurer Insurer (detection,
risk assessment, determining the acceptable level of risks, accepted
insurer, adoption of risk-level measures, not
threatening financial and to pay
insurance);
4) confidence, completeness, objectivity
(financial) reporting, statistical reporting, in
{ \b}{ \b}{ \b}
{ \breporting;
5) compliance by employees of the ethics
principles of professionalism and competence;
6. Counter-legalization (laundering) of proceeds
criminal path, and terror financing in
Russian legislation.
2. Internal control in with authority
certain documents of the and internal
organizational-status of the insurer
ut:
1) Insurer Administration;
2) The Audit Commission (auditor) of the insurer;
3) the primary accountant of the insurer (his deputies);
4) Internal Auditor (Internal Audit Service) of Insurer;
5) Special person, organizational unit,
responsible for compliance internal control
implementing implementation, in
with Russian
countering
(laundering) revenuescriminal ways and terrorism financing;
6) Actuary;
7) Other Labor and Insurer Structure in
with with Internal
Insurer'sorganizational and organizational documents.
(Article 28-1 was introduced by Federal Law of 23 July 2013. N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
Article 28-2. Internal Audit
1. The goal of for the level of reliability
internal controls, and tests
Matching insurer's activity Russian
Federation (including insurance legislation), rules and
Standards of Associations of Insurers, By Internal
organizational-status documents will
organizeinternal audit, appoints (remainder
internal auditor) or creates organizational unit (hereinafter-
internal audit service).
2. Insurer
approves the organization's internal
audit (hereinafter referred to internal audit)
Contain:
1) internal audit objectives and tasks;
2 audit Models
risk management of an insurer;
3) internal audit forms and methods;
4) Internal Auditor's behavior, Internal
audit
insurance;
5) reporting of results of checks, forms
and the order of its presentation;
6 control order ( to perform
rechecks
internal auditor, internal audit
Insurer Performance;
7) {
}
{
}
{
}
{
} (
organization, members everyone
Violations by the Insurer
taking decisions on issues related to common
Shareholders Meeting (Contribus)
general meeting of mutual insurance members;
8) authority, authority for the Internal Auditor's
internal audit services;
9) the form and
risk management effectiveness; 10 evaluation
effectiveness of operations performed, transactions;
11 form and security
asset security;
12) shape and order of participation in financial
insurance status;
13
Federation of Location.
3. The internal audit approves
directors (supervisory board) or
it does not have a general meeting (participants) insurance
organization, the general meeting of the members of the mutual insurance company.
4. Internal Auditor, Internal Audit Manager
are assigned to a position and are exempt from office for
board
organization, mutual insurance management, subservies and
reports to (tip board
organization, general meeting of members of the mutual insurance company
or
(tipinsurance organization is assigned to the position and from
Shareholders Meeting
{ \cs6\f1\cf6\lang1024 } Insurance{ \cs6\f1\cf6\lang1024
}
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}
{ \cs6\f1\cf6\lang1024
}
Meeting of the shareholders (participants) of the insurance organization.
5. For the person assigned to the Internal position of the auditor
internal audit service manager, -not
is allowed.
Internal Auditor, Internal audit
can be included in the insurance commission of the insurer.
Internal auditor, and Services
internal audit, formerly occupied positions in other structural
insurer can participate in checking
{ \cs6\f1\cf6\lang1024}Twelve
{ \cs6\f1\cf6\lang1024
}
months since the end of these organizational units.
6. Internal Auditor, Internal Audit Service
authority:
1) check and provide performance
Insurer internal control system;
2 check insurer
Russian Federation Federation and standards
insurers ' associations, documents of and internal
insurer documents;
3) check for the Internal
tracking and implementing programs, designed
in with Russian Federation
countering
(laundering) revenuescriminal ways and terrorism financing;
4) Check for authenticity, completeness, and objectivity
or otherwise requested and timeliness
views by structural subdivisions of underwriter (including
distinct units) in underwriter
andshareholders (members);
5) perform results
{ \b}{ \b}{ \b}
6 gives warnings
drawbacks, similar results
violations and shortcomings in the activity of the insurer;
7 Assess risks and performance evaluation
risk management
8) implement and efficiency
committed transactions, transactions;
9) perform asset security check;
10) accept in for the analysis of the
financialInsurer State and Development of Inventory Warning
bankruptcy;
11) agree on Reports in Intermediate,
every event, of the plan
recoverability of the insurer's ability to pay;
12 performs validation, completeness,
objectivity of of the supervision,
federal executive reporting, information,
including plan for the insurer
reports, in numbers of
activity, of the recovery plan
solvency of insurer, and control timeliness
such a view.
7. Internal auditor, internal audit right:
1 perform all activities
insurer, including branch offices, missions, other
organizational units, of any
structureunderwriter and/or insurer employee;
2 get from
insurer documents, and
required to exercise authority 3) have access to all documents, materials, and information in including information computer files, with no right to make in changes.
8. Internal auditor, internal audit service:
1) ensure and return from
structural organizational units of documents, and
information;
2) honor information
exercising your authority;
3) inform all results
and Insurer Activities
single-person of the insurer, peer
executive insurer of structural
part of of the insurer in that has matching
violations and disadvantages;
4) implement control to
detected and Recommended Recommended
internal auditor, internal audit
to prevent similar infractions and defects in
Theinsurer.
9. internal auditor
internal audit service accounts quarterly reports that
are represented in the insurer's control, and annual reports
which annual Shareholders Meeting
organization's members
insurance. results
reviews
and
their effects must contain progress information
Resolve any previously identified violations and deficiencies.
In
Management
questions, attributed to the Shareholders Meeting
organization's organization, internal auditor,
internal audit notifies in written
form of shareholders (members) of an insurance organization that has more
one percent of shares (equity participation in insurance capital
organization), no later than fifteen days
detection of such violations.
10. At the request of the body of the supervision of the insurer is required
report internal auditor, internal audit services
within the time limit set by this query.
(Article 28-2 was introduced by Federal Law of 23 July 2013. N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
Article 29. Mandatory audit and publication of annual
accounting (financial) reporting
insurer
1. Annual Accounting (Financial) Insurer Reports
is subject to mandatory audit.
2. Audit opinion on annual accounting (financial)
insurer must contain
insurer requirements
solvency, of this Law and Regulatory
acts of of an insurance oversight body, and the effectiveness of the organization
Insurer's control Federal
of 4 November 2014 N 344-FZ-Legislative Assembly
Russian Federation, 2014, N 45, Art. 6154).
3. control
conclusion from paragraph 2 of this article, together with an annual
accounting (financial) reporting.
4. Annual Accounting (Financial) Insurer Reports
Mandatory 1 July of the year
next in reporting, along with the conclusion listed in 2
true article.
5. Annual Accounting (Financial) Insurer Reports
is considered published if it is placed on official
Insurer in Information-Telecommunications Internet
or published in mass information, for
stakeholders in this reporting.
6. About Publish Annual Accountancy
(Financial) Insurer Report by Insurer to Body
insurance coverage in the order established by such authority.
7. Audit opinion on annual accounting (financial)
reporting of the insurer, fulfillment by the requirement
financial stability and to pay
Internal Insurer
publication along with this reporting (to the red. Federal Law
dated November 4, 2014. N 344-FZ-Legislative Assembly of the Russian Federation
Federation, 2014, N 45, article 6154).
(Article 29. Federal Act of 23 July 2013 N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
Chapter IV: SURVEILLANCE OF SURVEILLANCE
INSURFILES
(name in) Federal Act of 10 December 2003 N
172-FZ -Russian Law Assembly, 2003, N
50, st. 4858; of the Federal Act of 23 July 2013. N 234-FZ-
The legislation of the Russian Federation, 2013, N 30, st.
4067)
Article 30. Oversight of Actors
insurance business
(name in red. Federal Law of 23 July 2013 N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
1. Supervision of the activity of the insurance company (hereinafter:
insurance supervision) to comply with insurance
legislation, preventing and responding to violations by participants
relationships, regulated by the law, of the insurance
legislation, rights protection and legitimate
insured, other stakeholders
effective development of an insurance business Federal Law
dated July 23, 2013 N 234-FZ-Legislative Assembly of the Russian Federation
Federation, 2013, N 30, st. 4067).
2. The insurance control is based on the rule of law,
transparency and organizational unity.
3. The insurance control is executed by the Bank of Russia (in ).
Federal Law of 23 July d N 234-FZ -Collection
Russian legislation, 2013, N 30, sect. 4067).
An insurance control publishes to
print (or) places on its official site in
Information and Telecommunications Internet
Federal Law of March 2005 N 12-FZ - Collection
Russian Federation Federation, 2005, N 10, st. 760;
Federal Law July 2013 N 234-FZ -Collection
Russian legislation, 2013, N 30, art. 4067:
1) the questions, of the authority
insurance coverage (ed.) Federal Act of 7 March 2005 N
12-FZ-Russian Federation Law Assembly, 2005, N 10,
760);
2 information from from the Subjects of the State
Insurance case, of the Insurance Association Registry (in
The Federal Act of March 7, 2005 N 12-FZ-Assembly
Laws of the Russian Federation, 2005, N 10, article 760;
3) a restriction, suspension, or a reactivation
license activity for an insurance activity (in
Federal Law of March 2005 N 12-FZ - Collection
Laws of the Russian Federation, 2005, N 10, article 760;
4 license revocation to implement
activity (to the red. Federal Act of 7 March 2005 N 12-FZ
-Russian Law Assembly, 2005, N 10, st.
760);
5) Other control
controlinsurance activity (in Ed. Federal
of March 7 2005 N 12-FZ-Legislative Assembly
Russian Federation, 2005, N 10, Art. 760);
6) laws acts, adopted by by the insurance authority in
compliance with this Law and other federal laws (in
The Federal Act of March 7, 2005 N 12-FZ-Assembly
Russian Federation Federation, 2005, N 10, st. 760;
Federal Law July 2013 N 234-FZ -Collection
Russian legislation, 2013, N 30, sect. 4067).
4. The insurance supervision includes:
1
Case
Maintaining a Single State Register of Insurance Actors,
Registry of Insurance Actors ' Associations (Ins. Federal
Act of 23 July 2013 N 234-FZ - Law Collection
Russian Federation, 2013, N 30, art. 4067);
2) enforcing insurance legislation,
number by in the field of identity checks
insurance, and the reliability of their reporting, a
also Insurers for Their Financial Stability
solvency;
3) days
sizes
capital Foreign
investors, for transactions with foreign investors
by alienation ( shares in shares of the insurance
organizations, to open foreign insurance offices
reinsurance, brokerers and other organizations that
Insurance, and branch opening
Insurers with Foreign Investment;
4) (Subparagraph 4 was lost on the basis of Federal
from March 7, 2005 N 12-FZ-Legislative Assembly of Russian
Federation, 2005, N 10, Art. 760
5) (Subparagraph 5 is no more effective under Federal Law
dated March 7, 2005 N 12-FZ-Legislative Assembly Russian
Federation, 2005, N 10, Art. 760
6) decide to assign administration time to
suspensions and limiting executive authority
insurance in cases and order, installed
The insolvency (bankruptcy) law (subparagraph 6
)was introduced by the Federal Act of April 22, 2010. N 65-FZ-Assembly
Laws of the Russian Federation, 2010, No. 1988).
5. Insurance entities must:
1) comply with insurance legislation requirements
2) report your activities,
information about financial location, and
information according to Russian Federation Law,
including insolvency (bankruptcy) laws;
3 control
eliminating insurance law violations and
and Documents
confirming compliance with these requirements
4)
and documents
necessary for insurance supervision, in
its financial position;
5) submit copies of positions to the insurance supervision authority
branches and offices outside locations
insurance subject, indicating their addresses (locations),
a copies of documents
executives
6) provide an insurance
electronic documents, and the ability to get from
electronic document insurance body, including
personal office of the official control site
Internet Information and Telecommunications Network
Fed by Law of 10 July 2002 N 86-FZ " O Central
Russian Federation (Bank of Russia) " (6 )
Fed by Law 13 July 2015 N 231-FZ -Collection
Russian Federation Federation, 2015, N 29, st. 4357,
takes effect from February 9, 2016.
(Item 5 in . The Federal Act of 23 July 2013 N
234-FZ-Russian Federation Law Assembly ( 2013, N
30, Art. 4067)
5-1. goals for the [ [ risk]]
insolvency of Insurance Insurance Property
performs
activity of an insurance case with financial
measures (coefficies) of financial position
business entities and their resilience to internal and external
risk factors.
Monitoring businesses
principles
independence, objectivity, application of single rules
Speed and reasonableness of the evaluation of their activities.
(Item 5-1 was introduced by the Federal Act of July 23, 2013). N
234-FZ-Russian Federation Law Assembly ( 2013, N
30, Art. 4067)
6. control's control requests
sent to the case by mail,
fax or service to or
electronic documents, signed enhanced documents
electronic signature, in order, by the insurance body
oversight. In the direction of the requirements and requests of the insurance body
supervision of the Insurance Actors in
and requests are considered as received after
one workday from to destination in order
set by the insurance supervision authority, provided that the body
insurance supervision received Receipt
and requests in due order (para. 6
Federal Law of 13 July 2015 N 231-FZ -Collection
Russian Federation Federation, 2015, N 29, st. 4357,
takes effect from February 9, 2016.
(Article 30. Federal Act of 10 December 2003 N
172-FZ-Russian Federation Law Collection-Federation, 2003, N
50, article 4858)
Article 31. Truncation of Monopolistic Activity and
unfair competition on the insurance market
Warning, restriction , and suppressionmonopolistic
Activity and Unfair Competition on the market
is enforced by the Federal Anti-Monopoly Body in accordance with
antitrust Russian Federation (in Ed.
Federal Act of 10 December 2003 N 172-FZ -Collection
Russian legislation, 2003, N 50, article (4858).
Article 32. Subjects Activity Licensing
insurance business
1. insurance license insurance, reinsurance,
mutual insurance, activity in
insurance broker (hereinafter license)-special permission
authority to carry out insurance activity provided by a body
Insurance supervision of the subject of the insurance business.
2. License issued:
1) of an insurance organization for implementation:
voluntary life insurance;
voluntary
insurance, for exceptionsvoluntary life insurance;
voluntary property insurance;
The insurance type of which is provided
federal for a specific type of compulsory insurance (in
Federal Act of 21 July 2014. N 223-FZ -
Russian legislation, 2014, N 30, article 4224;
reinsurance if
provident benefits;
2) reinsurance
reinsurance;
3) mutual insurance company mutual insurance
insurance in the form of voluntary insurance, and in cases where
compliance with federal law for a specific type required
insurance has right mandatory
insurance, in the form of compulsory insurance;
4) insurance broker
activity as an insurance broker. 3. To obtain a license applicant for a license to implement insurance, reinsurance represents of the insurance supervision: 1) the license application; 2) license applicant's founding documents; 3) Document on State Registration of the Licenses
as Legal Person;
4) Minutes of the Meeting of the Founding Sponsors of the Constituent Assembly
and
single-executive, manager
collegiating executive body of the license;
5) information about the composition of shareholders (participants);
6 documents, of the capital in
full size
7) Documents about the legal legal
s subject of the case, an audit
conclusion about the reliability of their accounting (financial) reporting
last reporting period if
mandatory audit;
8) Information about the Single Executive Body, Manager
collegiation executive of the branch
accountant's
Matching and other requirements,
Installed by this Law,
Audit Commission (s) of the license applicant;
9) actuary information;
10) documents (according to the list, installed
acts Supervision) sources
origin of money, submitted by of the applicant
licenses by natural persons to the authorized capital;
11) Internal auditor Internal
internal audit of the license applicant with documents
confirming their compliance with qualification and other requirements
set by this Law;
12) internal audit location
13) Documents that confirm the compliance of the license crawler
Requirements in the Russian Federation
state secret (if this requirement is installed
law);
14) Other documents, confirsation match of the applicant
requirements, federal requirements
specific insurance views ( cases,
federal laws contain requests for
insurers).
4. Licenses licenses, registered in
state registry of the case, should not
submit documents to an insurance oversight body that
in paragraphs 2-9 of paragraph 3 of this Article and of the
insurance supervision if no changes were made to them.
5. For , [ [ ]] of [ [ license]]
insurance applicant (non-commercial organization)
represents the insurance supervision authority:
1) the license application;
2) Tired of mutual insurance;
3 Mutualpublic registration document
insurance as a legal entity;
4 Information about The CEO, Principal
accountant with documents, compliance
specified faces and different requirements
true Law, chairperson's audit
(auditor), internal auditor of the mutual insurance company;
5) Information about Legal Persons- By Mutual
insurance with property interests, for protection goals
which create a mutual insurance company;
6 internal audit location;
7) Actuaries.
6. for to implement mediation
activities in quality of the broker of the license
represents the insurance supervision authority:
1) the license application;
2) Document for State Registration of a License
as legal entity or individual entreprene;
3) license applicant- legal
;
4 information about the master of the insurance account
legal person or about insurance broker
individual entrepreneer with
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requirements set by this Law;
5) bank guarantee or documents, confirmation
own and guaranteeing obligations
insurance broker according to paragraph 6 of Article 6
8 of this Law.
7. Documents referred to in sub-paragraphs 2, 3, 6, 7, subparagraphs 8
and 11 (part of education documents), paragraphs 3, 2, 3,
4 (in about )
Subparagraphs 2, 3, Subparagraph 4 (Part of Documents
6 of this article,
witnessed in the notarial order.
If the documents in 3, 7
3, paragraph 5, paragraph 5, paragraph 6 (2) of this Article, not
represented by a license applicant,
oversight of the federal executive authority
state registration legal and individual
entrepreneurs, provides information confirming fact
making or 's Legal
business to the appropriate state registry.
Requirements for a license application,
information and documents referred to in paragraphs 5, 8, 9 and 11 of
3, 4 and 7 of paragraph 5, 4 6 of this
articles, including form templates, set by
insurance supervision.
8. Software crawlers children by
relation to foreign (major organizations) or
foreign investors in of the share of
more than 49% in addition to the documents referred to in paragraph 3 real articles, in order, installed
laws of the country of the place of foreign investors
consent in writing to the appropriate control
insurance activity in participation
foreign investors in insurance capital organizations
created in the territory of the Russian Federation, or notify body
insurance no requirement for for this
consent in the country of the establishment of foreign investors.
9.
licenses for for licenses
are exclusive, unless federal
laws on specific types of compulsory insurance are provided
additional requirements to insurers. In goals
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}
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}
their expertise) information about documents
license applicant in compliance with Russian legislation
Federation.
10. of the declaration
licenses and other documents requirements,
real articles, , and (or) the view of the [ [ license]]
documents that and must
attached to application, not fully insured supervision authority
within three working days of directs
license applicant in written notification of need
elimination in 30-day (or)
The full crawl of the document license.
failure to submit a license
thirty-day duration in the appropriate form
granting the license and (or) fully qualified
documents previously submitted for license
Theand its accompanying documents are returned to the license applicant.
The view of all documents
specified in this article, an insurance control in
three working days since the day they are presented to the
review or if non-conformation to the
Article about returning documents with motivated reason
return.
The control's control
license or
Total revenue to the Insurance Property Control Authority
corresponding requirements of
appropriate form.
documents to be eligible for license to be sent to insurance authority
oversight in documents, signed enhanced
A qualified electronic signature.
11. Changes made to documents based on
to obtain a license under Sub-paragraphs 2, 3, 5, 6, 7
(part of state registration documents), subparas 8,
9, 11-14 point 3, 2-7 point 5, sub-paragraphs 2-5
point 6 of this article, insurers and insurance brokers are required
report in writing to
can present documents that confirm these changes
within thirty days of these changes.
12. Accept the license or refusal of extradition
licenses executed by the duration,
days The day
insurance of all documents for
Anarticle to obtain a license for the license applicant.
An insurance supervision authority is required to inform the license applicant
making the specified decision within five working days since
commit.
13. Documents submitted by the case in
Theinsurance supervisory authority should be written in Russian.
14. License for the insurance activity
contain the following information:
1) the name of the insurance authority that issued the license;
2) Name (company name) of the person of the insurance
case-legal person;
3) last name, name, of the Subject of the case
individual entrepreneentreprene;
4) where and the address of the address
case-legal person or place and address business subject is an individual entrepreneentreprene; 5) Main State Registration Number
person or individual entreprene; 6) taxpayer identification number; 7 activity in (insurance,
reinsurance, mutual insurance, mediation
as insurance broker);
8 activity, by the organization
(voluntary life insurance, voluntary personal insurance,
except voluntary life insurance, voluntary
property insurance or Mandatory
Insurance in accordance with the Federal Law on a Specific View
insurance) (to the red. The Federal Act of July 2014 N
223-FZ -Collection of Russian legislation, 2014, N
30, article 4224);
9 and insurance forms by the Society
mutual insurance by statute;
10) number and date of acceptance by the insurance supervisory authority of the decision on
issuance, redesign, and replacement of the license form;
11) Registration State
insurance principal registry;
12) the license number and the date of the license.
15. The form of the license form is an insurance
oversight.
16. The performance of the activity
signed by the or
mandated and ]
insurance supervision.
17. If you change the details of in 2-9
paragraph 14 of this article, license on insurance
activities to be reprocessed
days since the insurance statement
redecorating the license and documents that confirm the of these
changes.
18. Subject of the insured event in the event of loss or damage to a licence
has the duplicate
working days since written to an insurance agency
oversight with reasons for loss or damage.
Duplicate licenses are issued "Duplicate". Duplicate
licenses are issued in two instances, one of which is
insurance subject, and second is stored in of the insurance
oversight.
(Article 32 Ed. Federal Law of 23 July 2013 N
234-FZ-Russian Federation Law Assembly ( 2013, N
30, Art. 4067)
Article 32-1. Qualification and other requirements
1. Managers ( the person who performs the function
single executive body, peer
executive subject of the business case
and the subject of the case
business should have higher education, confirmed
recognized in Russian of the top
education, , and work experience as head of division
insurance subject, other financial organization, at least two
years (in The Federal Act of 23 July 2013 N 234-FZ-
Russian legislation collection, 2013, N 30, st.
4067).
1-1. (Paragraph 1-1 introduced by Federal Law of 30 October 2009
g. N 243-FZ-Legislative Assembly of the Russian Federation, 2009,
N 44, article 5172; ceased to be in force under the Federal Act of 23
July 2013 N 234-FZ - Collection
Federation, 2013, N 30, art. 4067)
2. The master is an insurance, reinsurance organization
must meet requirements, Federal
Law of 6 December 2011 N 402-FZ "About Accounting", and
have seniority in in the insurance, reinsurance
organization of at least two years from the last five years preceding
appointment to the specified position.
education confirmed in of the Russian Federation
higher education document, and in
of the case activities
implementing of accounting and (or) financial
activity for at least two years.
The Chief Accountant for the Mutual Insurance Society must
higher education, acknowledged in Russian
Federation education, , and work experience
economic specialization or on , Knowledge
accounting
reinsurance organization, Insurance Mutual
(or) organization of the broker, registered on
territory of the Russian Federation.
(Item 2 in The Federal Act of 23 July 2013 N
234-FZ-Russian Federation Law Assembly ( 2013, N
30, Art. 4067)
2-1. (Paragraph 2-1 was introduced by Federal Law of 30 October 2009
g. N 243-FZ-Legislative Assembly of the Russian Federation, 2009,
N 44, st. 5172; loss of force under federal law of 23
July 2013 N 234-FZ - Collection
Federation, 2013, N 30, art. 4067)
3. (Paragraph 3 is no more effective under the Federal Act of 7.
March 2005 N 12-FZ - Collection Russian
Federation, 2005, N 10, Art. 760
3-1. Internal auditor, Internal
audit must have economic, financial or
legal education, acknowledged in Russian
Federation Economics, , or
legal education, and professional experience of at least
two years in insurer, reinsurance, other or
audit organization, registered in
Russian Federation public
financial control of the Russian Federation.
If has
education, need to confirm passing
professional retraining in economics, finance or
right by introducing the document
professional re-training, have seniority
work in of the insurer of the case, activity
which is related to accounting, financial
activity or with legal issues, not less than three years.
(Paragraph 3-1 was introduced by Federal Law No. 23 July 2013 N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
4. internal auditor
internal audit cannot be assigned to a person who:
1 performs functions of a single executive
Chief Accountant of the Insurer or a Membership of the Insurer
executive of the
previous appointment auditor internal
internal audit manager;
2) is a shareholder (participant) of the insurer;
3) is a close relationship or property (parents, of the spouse,
children, brothers, sisters, brothers, sisters, parents and children
spouses) with the insurer (s), or with
which is the sole executive body of the insurer or
part of (tip board
insurer executive body, or with master
Theaccountant of the insurer.
(Item 4 in . The Federal Act of 23 July 2013 N
234-FZ-Russian Federation Law Assembly ( 2013, N
30, Art. 4067)
5. The actuary must meet the requirements, installed
Federal Actuarial activities in
Federations (to the red. Federal Act of 23 July 2013 N 234-FZ-
The legislation of the Russian Federation, 2013, N 30, st.
4067).
6. Persons referred to in paragraphs 1, 2, 3 to 1 of this article, and
also members of the board ( board), members
collegie of an insurer's
legal entity cannot be a legal person. Federal Act of
23 July 2013 N 234-FZ-Legislative Assembly of the Russian Federation
Federation, 2013, N 30, art. 4067:
1) persons who have the function alone
financial organization's executive body in committing
these violations for which they have revoked
(revoked)
activity, or violations, has been suspended
the specified licenses and the specified licenses were revoked
(withdrawn) due to non-elimination of these violations, from days
such revocation has been less than three years. this
financial organization for for the of the Act
professional market participant securities, clearing
organization, management company of the investment of the mutual fund
investment fund fund
specialized investment fund, folder
investment fund fund
stock investment fund, credit organization, insurance
organization, non-state pension fund, organizer
trading;
2) persons who have not expired during
they are considered to be punished by
disqualification;
3) persons who have or uncollected
crimes in the Economic Activity
or of the crimeAgainst State authority.
(Item 6 was introduced by the Federal by Law June 28, 2013. N
134-FZ-Legislative Assembly of the Russian Federation Federation, 2013,
26, art. 3207)
7. Current board member (supervisory board)
under the circumstances of items 1 to 3
6 of this article, is considered to be emitted from to in
corresponding of the decision of the authorized body or the court (para. 7)
was introduced by the Federal Act of June 28, 2013. N 134- Collection
Russian legislation, 2013, N 26, st. 3207).
8. Physical person who has or uncollected
{ \field }
economic activityor
crime against state authority, to the right or
indirectly (
with others
trust Property, , and (or) of the simple
partnerships, and (or) assignments, and (or) stock agreement, and
(or) other convention whose object is implementation
rights, certified by (shares) of the organization,
receive and more votes
voting shares (shares), parts of the charter
capital of the organization's insurance
(Paragraph 8 is introduced by Federal Lawdated June 28, 2013 N 134-FZ-Legislative Assembly of the Russian Federation
Federation, 2013, N 26, st. 3207).
9. A person who is directly or indirectly (through the control of
person) or others associated with
property trusts, and (or) simple
partnerships, and (or) assignments, and (or) stock agreement, and
(or) other convention whose object is implementation
rights, certified by (shares) of the organization,
received permission and more than %
voting shares (shares), parts of the charter
capital of insurance organization, must send notification
insurance and in of the Insurance Supervision Authority in order and
deadlines, that are set by the legal legal acts
insurance supervision (Paragraph 9 introduced by Federal Act of 28 June
2013 N 134-FZ-Assembly of Russian legislation,
2013, N 26, article 3207).
10. The control's control
supervisory functions in the prescribed order have the right to request and
receive information about people who directly or (through
under their control) alone or with other persons,
associated trust management contracts property,
and (or) easy partnerships, , and (or) (or)
equity agreement, , and (or) other agreement, object
which is implementation of rights, -certified shares
(shares) of an insurance organization have the right to dispose of 10 or more
percentage votes, coming voting voting (shares),
compositions the organization's insurance capital ( 10
has been introduced by Federal Law of June 28, 2013. N 134-FZ-Assembly
Russian legislation, 2013, N 26, st. 3207).
11. If notification,
Articles, received by or from
notification should be that a person who has the right or indirectly
order 10 and more percent
voting shares (shares) that make up the equity capital
organization does not meet the requirements set by 8
true article, specified person has the right to dispose of
votes, not greater than percent
voting shares (shares) that make up the equity capital
organization. shares (shares)
specified person, for general
Shareholders (Contribus)
is accounted for (paragraph 11 has been introduced by Federal Law of 28 June 2013).
N 134-FZ-Legislative Assembly of the Russian Federation, 2013, N
26, Text 3207).
12. The insurer is required to notify in writing
Insurance supervision of about the appointment and release
positions of persons given in paragraphs 1, 2, 3 to 1 of this article, not
later than in for ten working days from the day of adoption
solution (para. 12 introduced by Federal Law of 23 July 2013 g. N
234-FZ -Collection of Russian legislation, 2013, N
30, article 4067).
(Article 32-1 was introduced by Federal Law of 10 December 2003.
N 171-FZ-Russian Federation Law Assembly, 2003, N
50, article 4858)
Article 32-2. (Introduced by Federal Act of 10 December 2003
g. N 172-FZ-Assembly of Russian legislation, 2003,
N 50, article 4858; lost by Federal Act No. 7
March 2005 N 12-FZ - Collection
Federation, 2005, N 10, Art. 760 Article 32-3. Grounds for refusal of a license applicant in license issuance 1. For for the license was refused
licenses are:
1 using a legal license
Insurance Supervision Authority
notation, individualizing other subject of the insurance of the case
unified public registry
insurance subjects. This location does not apply
for child and dependent entities of the insurance case (in .
Federal Law of July 2005 N 104-FZ -Assembly
Laws of the Russian Federation, 2005, N 30, art. 3115);
2) Activity
specified in paragraphs 2-6 of paragraph 2 of Article 32
true of the Law, the date of the adoption of the by the insurance supervision authority
the
suspensions action of the license (in .
Federal Law of 23 July d N 234-FZ -Collection
Russian legislation, 2013, N 30, art. 4067);
3) non-conformance documents, submitted by
licenses to obtain a license, requirements of this Law
Accepted in that the insurance body complies with it
oversight (in the red. Federal Act of 7 March 2005 N 12-FZ
The legislation of the Russian Federation, 2005, N 10, st.
760; of the Federal Act of 23 July 2013. N 234-FZ - To
Russian legislation, 2013, N 30, art. 4067);
4 non-conformance requirements
Russian legislation;
5) presence of licenses in the documentssubmitted by the license crawler
false information;
6) non-conformance ( count
Organ's Single
Team
accountant, Internal Auditor, Internal Service Manager
audit of Insurance case, of the actuary's qualification and other
requirements, by this Law, by federal law
about Actuarial activities in of the Russian federation (in )
Federal Law of 23 July d N 234-FZ -Collection
Russian legislation, 2013, N 30, art. 4067);
7) (The sub-item is null-based under the Federal Law
December 25, 2012 N 267-FZ-Legislative Assembly of Russian
Federation, 2012, N 53, art. 7592)
8) presence of of the body's clause
requirement for financial
Resilisiliation and , Failure
reporting, provided by of the Law,
crawler licenses activities in paragraphs
second-sixth paragraph 2 of Article 32 of this Law (in
The Federal Act of 23 July 2013 N 234-FZ-Assembly
Russian legislation, 2013, N 30, art. 4067);
9) Insolvency (bankruptcy) (including intentional)
or fictitious bankruptcy) subject of the insurance business-legal entity
person by fault of the applicant of the license applicant.
2. The Refusal output
licenses sent to in writing to the applicant's
of the decision of the
to specify the reason for the failure.
A decision to deny a license must contain reasons
to reject mandatory reference to approved violations and must
to be accepted no later than the period specified by this Law.
A license denial of the license is sent to the applicant
licenses with of the solution.
(Article 32-3 was introduced by Federal Law of December 10, 2003.
N 171-FZ-Russian Federation Law Assembly, 2003, N
50, article 4858)
Article 32-4. Revoking License
Removing a license or undoing the license
is being implemented:
no license applicant to obtain licenses in
two months from the date of the license notification;
the view of the view
license crawler incorrect information.
(Article 32-4 was introduced by Federal Law of 10 December 2003.
N 171-FZ-Russian Federation Law Assembly, 2003, N
50, article 4858)
Article 32-5. License Action
1. The action's expiry
has been in effect since the day it was received by the subject of the insurance of the case. License
is not transferable. Federal Law of 29
November 2007 N 287-FZ - Collection of the Russian
Federation, 2007, N 49, st. 6048; Federal Act of 23 July
2013 N 234-FZ-Assembly of Russian Legislation,
2013, N 30, article 4067).
2. can be limited to in cases
provided by federal laws Federal Act of
23 July 2013 N 234-FZ- Assembly of the Russian
Federation, 2013, N 30, st. 4067).
3. (Paragraph 3 is no more effective on the basis of the Federal of the law
23 July 2013 N 234-FZ-Legislative Assembly of the Russian Federation
Federation, 2013, N 30, art. 4067)
4. no license
subject of the case individual
business, liquidation or reorganizing an actor
case-legal person, for reorganizing in form
attach or select. Insurance Property License Action
case-legal person to which is attached or from
of which another legal entity is distinguished, does not stop (point
4 was introduced by the Federal Act from November 29, 2007. N 287-FZ-
Russian legislation meeting, 2007, N 49, st.
6048.
5. Legal Subject's License - Legal
person reorganizing in the conversion form, not
is terminated if the newly created legalmatches
requirements of the Russian Federation Authority
insurance supervision must replace with the Subs
insurance legal Order
restructuring in the form of conversion, within ten working days
from the date of receipt of documents, provided for in Article 32 of the present
TheAct (paragraph 5) was introduced by Federal Act of 29 November 2007 N
287-FZ- Collection of Russian legislation, 2007, N
49, article 6048.
(Article 32-5 was introduced by Federal Law of December 10, 2003).
N 171-FZ-Russian Federation Law Assembly, 2003, N
50, article 4858)
Article 32-6. Restriction or suspension of a license
1. of the law violation
Subject
order to fix a violation (hereafter referred to as a requirement).
2. Rule is given in the case of:
1) implementation of by the activity
prohibited by Russian Federation
violation by the insurer of the requirements
with insurance legislation (in the red. Federal Act of 23 July
2013 N 234-FZ-Assembly of Russian Legislation,
2013, N 30, art. 4067);
2 The insurer
Part of creating and allocating insurance premiums, other
guaranteeing provident fund payments;
3) Requirements
providing the ratio of and s
commitments, other requirements
financial stability and to pay, in number
non-compliance by the insurance organization of the group
specified requests on the consolidated (in .
Federal Law July 2013 N 234-FZ -Collection
Russian legislation, 2013, N 30, art. 4067);
4) violation by the insurer
Requirements to View an Insurance Supervision Authority
reporting (to the red. Federal Law of 23 July 2013 N 234-FZ
Russian Law Assembly, 2013, N 30, st.
4067);
5) failure to submit an insurance case to an installed
document time, requested in the order of implementation of the insurance
supervision within the scope of the insurance supervision authority;
6) to establish the fact that the principal of the insured is a case
or (or) is not reliable
information (reed) Federal Law of 23 July 2013 N 234-FZ
Russian Law Assembly, 2013, N 30, st.
4067);
7) failure to submit an insurance case to an installed
contributions to documents referred to in Article 32, paragraph 11
true of the Law (with the application of documents confirming such
changes and additions). Federal Act of 23 July 2013
g. N 234-FZ-Assembly of Russian legislation, 2013,
N 30, article 4067).
3. Prescribe to the subject of the case,
copy of direction in
The executive branch.
Principal insurer
represents the document, confirming
to resolve detected violations.
These documents must be considered within 30 days
from the day of all documents, execution
orders in full.
The {
}
{ \
}
{
} case within the
documents, confirmation of elimination of violations
Theis the basis for recognition of the requirement. About
rules are reported to the insurer for five
days from the day of this decision.
Setting in the of the subject
insurance documents that contain false information
is for for the recognition of this requirement
unfulfilled.
4. In the event of failure to execute the requirement properly or in
set time, and if the subject is not insured
case of getting license action restricted or
pauses in order, installed by this Law (in
The Federal Act of March 7, 2005 N 12-FZ-Assembly
Laws of the Russian Federation, 2005, N 10, st. 760).
4-1. of the organization from
professional insurers ' union in
compliance with federal law for a specific type required
insurance, specified professional federation of insurers
informs about this control's in
order, set by by this Law, of the restriction order
license action
insurance ( 4-1 introduced by Federal Law of July 21, 2014
g. N223-FZ-Assembly of Laws of the Russian Federation, 2014,
N 30, article 4224).
5. The action of the action of the insurer's license means the ban
to conclude insurance contracts for individual types of insurance,
reinsurance contracts, and making changes for
increase by the insurer's
contracts (under Ed. Federal Act of 7 March 2005 N 12-FZ-
The legislation of the Russian Federation, 2005, N 10, st.
760).
6. Suspension of the license of the subject of the insurance case
means insurance contracts
reinsurance, insurance broker service contracts, and
also making changes that increase commitment
the subject of the insurance case, in corresponding treaties (in .
Federal Law of March 2005 N 12-FZ - Collection
Laws of the Russian Federation, 2005, N 10, st. 760).
7. The or control decision
license suspension to be published in print
organ, defined by the supervision, in 10
working days on the day of this decision and takes effect
Theday of its publication.
constraint or about license suspension is suspended
insurance subject in written form for five workers
Days from the Effective Date of the Cause
constraint or license action of (in .
Federal Law of March 2005 N 12-FZ - Collection
Laws of the Russian Federation, 2005, N 10, st. 760).
8. a copy of
licenses suspended in
Theorgan of the executive of power.
9. In the limitation or suspension period of the license
change name (trade name), location
and address of the subject of the insurance case, and reorg
prepaid
permission of an insurance supervision. Authority Rejected
oversight in pre- permission must
motivated ( ) Federal Law of April 22
2010: N 65-FZ-Legislative Assembly of the Russian Federation,
2010, N 17, 100 1988).
10. At the same time, the license action
(of cases, if a temporary administration is previously assigned
or at the decision date to suspend the license action in
relation one from procedures
supervision
assigns temporary to the insurance administration
grounds and in the order of which are provided by the Federal
'On insolvency (bankruptcy)' (point 10 entered by Federal
Act of April 22, 2010. N 65-FZ- Legislative Assembly
Russian Federation, 2010, N 17, Art. 1988).
11.
orsuspensions to the right to open
branch offices without first permission
insurance supervision ( 11 Federal by law of 22
April 2010 N 65-FZ - Collection Russian
Federation, 2010, N 17, st. 1988).
(Article 32-6 was introduced by Federal Law of December 10, 2003.
N 171-FZ-Russian Federation Law Assembly, 2003, N
50, article 4858)
Article 32-7. Resuming a license
1. Resuming the action of the license after it has been restricted or
suspension means restoring the subject's of an insurance
work to be licensed, in
full volume.
2. to cancel the measures of items 5 and 6
Articles 32-6 of the Law, is theSubject
insurance s s
duration andfull volume.
3. The decision to renew the license takes effect
from the day of its adoption and to of the subject of the insurance
case and other stakeholders within 15 days from the commit day
such of the solution. license action
is published in the printed organ of the insurance body
oversight.
(Article 32-7 was introduced by Federal Law of 10 December 2003.
N 171-FZ-Russian Federation Law Assembly, 2003, N
50, article 4858)
Article 32-8. Actor Termination of Actor
of an insurance case or its elimination in connection with
license revocation
1. The to terminate an Actor's insurance activity
insurance case is court decision,
insurance supervision of revoking license, including incoming statement of the subject of the insurance case. 2. license revocation
Accepted:
1) when implementing insurance supervision:
fixed duration of violations of insurance legislation appearing
license restriction or suspension reason
for repeated in current
repeated violations more than 15 workers days for the reporting Law, by other federal laws, regulatory acts of the authority insurance supervision (paragraph is introduced by Federal Law of July 23 2013 N 234-FZ-Assembly of Russian Legislation,
2013, N 30, art. 4067);
if the subject of the insurance business within 12 months of
{ { License }}
{ \b}{ \bLicense}has not startedactivity license or does not implement it during financial
;
if an insurance organization is within three months of
days limitation of license action on the base
Article 32-6 § § 32-6 of the Law, reconstructed
membership of in the professional union of the insurers (paragraph entered
Federal Law of July 2014 N 223-FZ -Collection
Russian legislation, 2014, N 30, article 4224;
in other cases provided by federal law;
2) on the subject of the insurance business-based on it
statements in in writing of the implementation
covered activity license, including exit
insurance professional of the union
insurers, created in with federal law
specific form of insurance, with
documents, specified in 9 (in .
Federal Law of 23 July d N 234-FZ -Collection
Russian Federation Federation, 2013, N 30, st. 4067;
Federal Law of July 2014 N 223-FZ -Collection
Laws of the Russian Federation, 2014, N 30, Art. 4224).
2-1. The supervision of takes the comment
organization's insurerwithout a requirement,
increase of its charter capital
minimum size of insurer's equity in matches
with the 8th of paragraph 3 of Article 25 of this Law (para. 2-1
was introduced by the Federal Act of 23 July 2013. N 234-FZ- Collection
Russian legislation, 2013, N 30, sect. 4067).
3. license revocation
to be published in organ, organ
insurance supervision, days of work
such a solution comes into effect from if
is not determined by federal law. Insurance Property Management Solution
supervision of license revocation is sent to the subject of the insurance case in
written form in within five working days from the date of entry The
strength of this reason for the revocation of the license. Copy
decision on to withdraw licenses to the appropriate body
executive power according to Russian legislation
Federation.
4. Since the entry into force of the decision of the organ of insurance supervision
about revoking license of the case is not entitled to conclude
insurance contracts, reinsurance contracts,
of the broker, also make changes
increasing the obligations of the subject of the insurance of the case
to the appropriate contracts.
Concurrently with licenses ( exception
if
is assigned earlier or to the decision date
license revocation issued one from
procedures, used in
oversight assigns the interim administration of an insurance organization to
grounds and in the order provided by the Federal Law
'About insolvency (bankruptcy)' (Paragraph , Federal
The law of April 22, 2010. N 65-FZ-Legislative Assembly
Russian Federation, 2010, N 17, Art. 1988).
activity Administration
insurance organization not assigned to in
Organ Notice
insurance supervision of the implementation of
activity (Paragraph introduced by Federal Law of April 22, 2010) N 65-FZ-Russian Federation Law Assembly, 2010, N 17, Art. 1988): performed obligations arising from insurance contracts reinsurance contracts, including insurance payments for Insurable cases (Paragraph introduced by Federal Law)
April 22, 2010 N 65-FZ-Legislative Assembly of the Russian Federation Federation, 2010, N 17, art. 1988); transferred commitments, Insurance (portfolio), , and (or) early termination
insurance contracts, reinsurance contracts (paragraph entered Fed by Law April 22 2010 N 65-FZ-Collection Laws of the Russian Federation, 2010, N 17, art. 1988; of the control
duties (paragraph entered
Fed by Law April 22 2010 N 65-FZ-Collection
Laws of the Russian Federation, 2010, No. 1988).
5. Before the expiration of six months after the entry into force of the solution
Supervision of license revocation
case:
1) accept compliance with Russian
Federation to terminate an insurance activity;
2 execute the obligations,
frominsurance (reinsurance), in insurance
provident insurance cases;
3) implement commitments,
insurance (portfolio), , and (or) avoidance of contracts
insurance, reinsurance contracts, service contracts
insurance broker.
6. Insurer in of in For The
supervision of about revoking the license notifies
insured to withdraw the license, early termination
insurance, reinsurance and (or)
commitments, adopted insurance contracts (insurance
portfolio), with insurer
A portfolio can be transferred. This notification is also recognized publishing given information in print editions, of which each print run is not 10
instances that are propagated throughout the implementation
activity of insurers.
7. The Insurance Commitments By
relation of parties is not resolved, to be passed to another
Theinsurer. Transfer of commitments made under these treaties
(portfolio), is implemented with the consent of the insurance body
oversight. The insurance supervision authority directs the decision to in writing
form of consent to transfer insurance portfolio or refuse to give
such consent based on the insurer's
host insurance portfolio, for 20 working days after
Theday of the claim submission for the portfolio . Authority
insurance does not give permission to reinsurance
portfolio, if based on the insurer's
host insurance case, set, specified
insurer not has sufficient native
(capital), is not -compliant
solvency with the new commitments (in red.
Federal Law July 2013 N 234-FZ -Collection
Russian legislation, 2013, N 30, sect. 4067).
8.
true article, subject of the insurance case represents in
insurance supervision (financial) reporting
quarterly (Ind. The Federal Act of 23 July N
234-FZ -Collection of Russian legislation, 2013, N
30, article 4067).
9. Six months from the date of entry into force of the decision
provident revokinglicense of the insurer
business must submit supervision of documents
confirming fulfillment of responsibilities, provided by 5
true article:
1 activity
activity Thecontrol of the insurer is a legal person,
authorized to accept matches
constituent documents, , or by the insurer
registered in Russian
Federation Order as an Individual entreprene;
2) documents, for or about
absence in written of the insured
(beneficiary-acquired) or prematory
commitments, of from insurance contracts
(reinsurance), insurance broker services
as well as documents confirming the transfer of commitments, accepted
insurance contracts (insurance portfolio)
3) accounting (financial) reporting with tax mark
authority and audit opinion at the next reporting date
expiry 6 months of the body's decision
insurance supervision of license revocation (ed.) Federal Law
dated July 23, 2013 N 234-FZ-Legislative Assembly of the Russian Federation
Federation, 2013, N 30, art. 4067);
4) the original license.
9-1. The of the activity of the community
insurance or in the license revocation
takes into account the specifics, of items 9-2
- 9-6 of this article (Paragraph 9-1 by Federal Law of 29
November 2007 N 287-FZ - Collection of the Russian
Federations, 2007, N 49, st. 6048.
9-2. The Insurance Society
Property interests of its members directly on
Theof the Society's days of the day of the coming into effect of the solution
insurance supervisory authority to revoke the license has the right
new members of mutual insurance, and also
changes in insurance rules ( 9-2 )
Act of November 29, 2007 N 287-FZ-Assembly Russian Federation, 2007, N 49, Art. 6048. 9-3. Six months after the date of entry into force User License mutual insurance is required: 1) accept compliance with Russian Federation to Eliminate Mutual Insurance Society; 2) perform insurance (reinsurance) obligations in volume count insurance cases; 3) implement insuranceinsurance
(reinsurance).
(Paragraph 9-3 was introduced by Federal Law of November 29, 2007 N
287-FZ- Collection of Russian legislation, 2007, N
49, art. 6048)
9-4. six months of the days of the entry into force
organ Principal
insurance is required to submit to insurance supervision
documents, confirming the fulfillment of duties provided for
paragraph 9-3 of this article:
1 Insurance Insurance
accepted by the general meeting of the mutual insurance company
2) documents, for or about
missing requirements in in writing of the insured
(beneficiary-acquired) or prematory
insurance liabilities (reinsurance);
3) accounting (financial) reporting with tax mark
(Ind. Federal Law of 23 July 2013 N 234-FZ-
Russian legislation collection, 2013, N 30, st.
4067);
4) the original license.
(Paragraph 9-4 was introduced by Federal Law of November 29, 2007 N
287-FZ- Collection of Russian legislation, 2007, N
49, art. 6048)
9-5. The Insurance Company's
Insurance (reinsurance) Other
insurer (item 9-5) introduced by Federal Act of November 29, 2007
g. N 287-FZ-Assembly of Russian legislation, 2007,
N 49, st. 6048.
9-6. Before you perform the duties, of the item 9-3
true articles, Insurance Mutual Insurance Property
Insurance supervision (financial) reporting
quarterly (para. 9-6 by Federal Law of 29 November
2007 N 287-FZ-Legislative Assembly of the Russian Federation,
2007, N 49, 100 6048; into the red. Federal Act of 23 July 2013
N 234-FZ-Russian legislation collection, 2013, N
30, article 4067).
10. of the insurer
insurance activity ( excluding commitments,
3 3 3 3 and 2 and 3
9-3
address in with Claim for Insurance Principal Elimination
legal person or termination by the insurer
physical activity
business (in the business environment) Federal Act of 29 November 2007 N
287-FZ-Russian Federation Law Collection Federation, 2007,
49, article 6048.
(Article 32-8 was introduced by Federal Law of 10 December 2003.
N 171-FZ-Russian Federation Law Assembly, 2003, N
50, article 4858; in red. Federal Act of 7 March 2005 N 12-FZ
-Russian Law Assembly, 2005, N 10, st.
760)
Article 32-9. Types of insurance
(name in red. Federal Law of 23 July 2013 N
234-FZ -Collection of Russian legislation, 2013, N
30, Art. 4067)
1. The
insurance (ed.) Federal Act of 23 July 2013 N 234-FZ Russian Law Assembly, 2013, N 30, st. 4067): 1) life insurance death, predation
certain age or due date or other event;
2) Pension insurance:
3) life insurance with periodic insurance payments
(rents, annuities) and with in
Insurer's investment income;
4) Accident and Sickness Insurance;
5) medical insurance;
6 Surface Transport Transport (except
rail tools);
7 Railway insurance;
8) Air transportation insurance;
9) water transport insurance;
10) cargo insurance;
11) agricultural insurance ( crop insurance,
crops, perennial crops, animals)
12) property insurance
vehicles and agricultural insurance;
13) Property insurance, except transport
;
14) owner's liability
vehicles;
15) liability insurance for owners of funds
air transport;
16) liability insurance for owners of funds
water transport;
17) Ownership of funds by owners
rail transport;
18) organization's organization's liability
hazardous objects;
19) liability for
harm due to lack of goods, works, services; 20 liability insurance for causing
harm to third parties;
21) Civil liability for non-performance
or improper performance of treaty obligations;
22) business risk insurance;
23) Financial risk insurance;
24) Other insurance, Federal
laws on specific types of compulsory insurance (sub-item 24
By Federal Law of 25 December 2012 N 267-FZ
The legislation of the Russian Federation, 2012, N 53, st.
7592).
2. Insurance organization is obliged to notify in writing
Insurance Property and Insurance Supervisory Authority that
real article and that wants to
corresponding activity (voluntary life insurance,
voluntary personal insurance, -exempt
insurance of life, voluntary property in
order and within the time limits set by the insurance supervisory authority.
Insurer must represent supervision authority
accepted insurance rules, calculations
insurance fares together with Actuaries
calculations, structure of tariff rates and clause
insurance reserves in order and in time set by the body
insurance supervision.
About the changes made to documents specified in
point, insurer must report in writing in
insurance and submit documents
these changes, in and in terms that
Theis set by the insurance supervision authority.
If federal provides that rules
insurance against certain types of insurance, tariffs,
methodology of the calculation, tariffs
insurance installed By the Russian Federation Federation
mandated by the executive authority
insurance supervisory authority and are mandatory for usage
insurers,
insurance rules, calculations insurance tariffs, actuarial methodology, tariff structure rates, and changes, contributed (paragraph has been introduced by Federal Law of July 21, 2014. N 223-FZ-Collection Laws of the Russian Federation, 2014, N 30, Art. 4224). (Item 2 in The Federal Act of 23 July 2013 N 234-FZ-Russian Federation Law Assembly ( 2013, N
30, article 4067).
3. (Paragraph 3 is no more effective on the basis of the Federal of the law
23 July 2013 N 234-FZ-Legislative Assembly of the Russian Federation
Federation, 2013, N 30, art. 4067)
4. By type of insurance, 2, 3,
10-12, 18, 21, 22 of paragraph 1 of this article, and also
if an insurance contract or insurance rule provides
or property survey
insured person to enter insurance policy or contains
conditions other,
(standard) requirements and implementation
individual type of voluntary insurance if they are established
insurance regulatory acts, insurance policies
in the form of electronic documents in the order, of the article 6-1
this Law is not enclosed.
Mandatory insurance contracts in installed
6-1 of this Law is allowed, if is
federal
mandatory insurance.
(Paragraph 4 was introduced by the Federal Act of June 4, 2014). N 149-FZ
Russian Law Assembly of the Russian Federation, 2014,
2934)
(Article 32-9 was introduced by Federal Law of 10 December 2003.
N 171-FZ-Russian Federation Law Assembly, 2003, N
50, article 4858)
Article 33. Compliance with commercial and other protected law
Secrets of insurance supervision authorities
AuthorityAuthority
disclose in any form the details that make up the commercial and other protected by the subject of the case exceptions, provided by Russian law
Federations (to the red. The Federal Act of 2003 2003 N
172-FZ -Russian Law Assembly, 2003, N
50, article (4858).
Chapter V. FINAL PROVISIONS
Article 34. Insurance of foreign citizens, persons without
Citizenship and foreign legal persons
in the Russian Federation
Foreign citizens, without Citizenship and foreign
legal entities in in the Russian Federation
right with citizens and legal
Thefaces of the Russian Federation.
Article 35. Review of disputes
Disputes related to insurance, Usage disputes
identity of the name of the name (trade name), and
also disputes related to the actions of the insurance supervisory authority and its
persons, are resolved by the court, by the court or
Thematching (in .
Federal Law of July 2005 N 104-FZ -Assembly
Russian legislation, 2005, N 30, article 3115).
Article 36. International treaties
If international Federation or
Theformer USSR has different rules than those contained in
Russian legislation on insurance used
Therules of an international treaty.
Moscow, House of Russia
27 November 1992
N 4015 -I
