On Compulsory State Insurance For The Life And Health Of Citizens, Soldiers, Called Up For Military Training, Persons Of Ordinary And Commanding Structure Of Bodies Of Internal Affairs Of The Russian Federation And The Federal Tax Police Bodies

Original Language Title: Об обязательном государственном страховании жизни и здоровья военнослужащих, граждан, призванных на военные сборы, лиц рядового и начальствующего состава органов внутренних дел Российской Федерации и сотрудников федеральных органов налоговой полиции

Read the untranslated law here: http://pravo.gov.ru/proxy/ips/?doc_itself=&infostr=x&backlink=1&fulltext=1&nd=102052266

RUSSIAN FEDERATION FEDERAL LAW on compulsory State insurance for the life and health of citizens, soldiers, called up for military training, persons of ordinary and commanding structure of bodies of Internal Affairs of the Russian Federation, State fire service authorities to control the trafficking of narcotic drugs and psychotropic substances, the staff of the institutions and bodies of criminally-Executive system (as amended by the federal laws of 21.07.98 N 117-FZ; from 25.07.2002 N 116-FZ; 30.06.2003 N 86-FZ; from 11.06.2008 N 86-FZ), passed by the State Duma February 13, 1998 the year approved by the Federation Council of the year March 12, 1998 (as amended by the federal laws of 21.07.98 N 117-FZ;
from 25.07.2002 N 116-FZ; 30.06.2003 N 86-FZ;
from 07.07.2003 N 114-FZ; from 21.06.2004 N 56-FZ;
from 2/2/2006 N 19-FZ; from 11.06.2008 N 86-FZ;
from 14.04.2011 N 74-ФЗ; from 27.11.2010 N 208-FZ;
from 08 N 309-FZ; from 02.07.2013 N 165-FZ;
from arrival N 251-FZ) (preamble repealed Federal Act from 02.07.2013 g. N 165-FZ), Article 1. Objects the objects of the obligatory State social insurance compulsory insurance in accordance with this federal law (hereinafter referred to as the compulsory State insurance), are the lives and health of military personnel (with the exception of soldiers, military service under the contract in accordance with the legislation of the Russian Federation suspended), citizens called up for military training, persons of ordinary and commanding structure of bodies of Internal Affairs of the Russian Federation, State fire service authorities to control the trafficking of narcotic drugs and psychotropic substances , the staff of the institutions and bodies of criminally-Executive system, citizens discharged from military service, with service in the organs of Internal Affairs of the Russian Federation, the State fire-prevention service, with service in the organs to monitor the trafficking of narcotic drugs and psychotropic substances, services in institutions and in the penal system (hereinafter service), dismissed from military duties or have completed military training within one year after the end of military service , service, contributions from military duties or termination of military duties (hereinafter-the insured persons).
(Article in the Editorial Office of the Federal law dated 02.07.2013 g. N 165-FZ), Article 2. Subjects of compulsory State insurance 1. Insurers under compulsory State insurance (hereinafter referred to as the insurers) can be insurance companies, having licenses for realization of compulsory State insurance. (As amended by the Federal law of 02.07.2013 N 165-FZ) Insurers are selected in the order stipulated by the legislation of the Russian Federation on the contract system in the area of procurement of goods, works and services for public and municipal needs. (As amended by the federal laws of 02.02.2006 N 19-FZ; 02.07.2013 N 165-FZ)
2. Insurers under compulsory State insurance (hereinafter insured person) are the federal bodies of executive power, in which the legislation of the Russian Federation provides for military service, the service. (As amended by the Federal law dated 11.06.2008 N 86-FZ)
3. Beneficiaries under compulsory State insurance (hereinafter referred to as the beneficiaries) are insured persons and, in the case of death (death) of the insured person: spouse, (which) is on the day of death (death) of the insured person in a registered marriage with him;
parents (adoptive parents) of the insured person;
grandfather and/or grandmother of the insured person, provided that they had and (or) contained at least three years in connection with absence of the parents;
stepfather and (or) the wife of the insured person, provided that they had and (or) detained for at least five years;
minor children of the insured person, the insured person's children aged over 18 years who became disabled before the age of 18 years, his children under the age of 23 years, studying in educational institutions;
wards of the insured person.
(Paragraph as amended by federal law from 02.07.2013 N 165-FZ)
4. (repealed-Federal Law 02.07.2013 N 165-FZ), Article 3. Additional requirements for applicants of a license for carrying out compulsory State insurance Along with the requirements of the law of the Russian Federation dated November 27, 1992 N 4015-(I) on the Organization of insurance business in the Russian Federation "for candidates of a license for carrying out compulsory insurance, license to carry out compulsory insurance shall conform to the requirements of the legislation of the Russian Federation on State secrets and have experience in the field of insurance objects of personal insurance in not less than two years. (As amended by the Federal law of 02.07.2013 N 165-FZ), Article 4. Insurance Insurance cases in the implementation of compulsory State insurance (hereinafter insured events) are: loss (death) of the insured person during the period of military service, military service duties;

the death of the insured person before the expiration of one year after discharge from military service, from service, after deductions from military duties or termination of military duties due to injury (injury, trauma, blunt trauma) or diseases received during his military service, military service duties;
the establishment of the disability of an insured person during the period of military service, military service duties;
the establishment of disability the insured person before the expiration of one year after discharge from military service, from service, after deductions from military duties or termination of military duties due to injury (injury, trauma, blunt trauma) or diseases received during his military service, military service duties;
receipt of the insured person during the period of military service, military service fees injury (injury, trauma, blunt trauma);
dismissal of a soldier passing military service conscripts from military service, the expulsion of a citizen intended for military training at the military post for which the staff of a military unit provided military rank to officers (Chief Petty officers of the ship), inclusive, with military charges in connection with the recognition of their military-medical Commission does not fit for military service or limited suitable for military service due to injury (injury, trauma, blunt trauma) or disease received during his military service, military training camps.
(Article in the Editorial Office of the Federal law dated 02.07.2013 g. N 165-FZ), Article 5. Sums paid paid to beneficiaries. The sum insured is applied for the calculation of insurance premium (as amended by the Federal law of 02.07.2013 N 165-FZ dated December 30, 2008) 1. (Repealed-the Federal law dated 08 N 309-FZ)
2. Sums shall be payable in respect of insurance cases in the following sizes: in case of loss (death) of the insured person during the period of military service, or military service fees or prior to the expiration of one year after discharge from military service, from service, after deductions from military duties or termination of military duties due to injury (injury, trauma, blunt trauma) or diseases received during his military service, or military service fees -2 000 000 roubles paid to beneficiaries in equal shares;
in the case of disability the insured person during the period of military service or military service fees or prior to the expiration of one year after discharge from military service, from service, after deductions from military duties or termination of military duties due to injury (injury, trauma, blunt trauma) or diseases received during his military service, or military service fees: a disabled person in Group I-1 500 000 rub.;
a disabled person in Group II-1 000 000 rubles;
a disabled person in Group III-000000 500 rubles;
in the case of the insured person during the period of military service, or military service fees heavy injury (wounds, injuries, contusions)-000000 200 rubles, lung injury (wounds, injuries, contusions)-50000 roubles;
in the event of dismissal of a soldier passing military service conscripts from military service, a citizen intended for military training at the military post for which the staff of a military unit provided military rank to officers (Chief Petty officers of the ship), inclusive, with military charges in connection with the recognition of their military-medical Commission does not fit for military service or limited suitable for military service due to injury (injury, trauma, blunt trauma) or disease received during military service or military levies-50000 roubles.
The size of these sums insured increases annually (indexed), taking into account the level of inflation in accordance with the Federal law on the federal budget for the next fiscal year and the planned period. The decision to increase (indexing) these insurance amounts are accepted by the Government of the Russian Federation. These sums shall be paid in the amount established on the date of payment of the sum insured.
If during his military service, military service or taxes either before the expiration of one year after discharge from military service, from service, after deductions from military duties or termination of military charges an insured person during re-examination of the Federal establishment of medical and social examination due to the reasons mentioned in this clause will be enhanced group disability insurance amount shall be increased by an amount equal to the difference between the sum insured due to the newly established group of disability, and the insured amount owed on previous disability group.

3. the amount of the sum insured, the insurer applied to the calculation of insurance premium shall be determined in accordance with paragraph 2 of article 9 hereof. (Para supplemented by federal law from 02.07.2013 N 165-FZ) (Article in the Editorial Office of the Federal law dated 08 N 309-FZ), Article 6. Agreement obligatory State social insurance

1. the contract of compulsory State insurance (hereinafter referred to as the agreement) is an agreement between the policyholder and the insurer for the benefit of a third person-beneficiary and contains provisions of the model treaty obligatory State social insurance, which is approved by the Government of the Russian Federation.
2. The insurance contract shall be made in writing for a period of not less than one calendar year. The insurer shall be under the obligation to pay the sums insured on insured events under article 4 of this federal law and came during the period of validity of the insurance contract.
3. The insurance contract includes an agreement about insured persons, duration of contract, amount, terms and the scheme of payment of the insurance premium (insurance premiums), rights, duties and liability of the insured and the insurer on the timing and modalities of the notification by the policyholder the insurer about insurance event and how the payment of the sums insured beneficiary.
4. after conclusion of the insurance contract insurers notify Federal Executive authority which carries out the functions of State policy and normative-legal regulation in the sphere of insurance activity, in accordance with the established procedure. While the notification indicates insurance rate established in the insurance contract, the insurance tariff calculation and statistical data used in the calculation of its size.
(Article in the Editorial Office of the Federal law dated 02.07.2013 g. N 165-FZ) Article 7. Execution of the duties of the insured for compulsory State insurance 1. If the policy holder has not implemented the compulsory State insurance or insurance contract concluded on the conditions worsen the situation of the beneficiary compared to the conditions established by this federal law, when the insured event it is responsible to the beneficiary on the same terms and conditions as the sum insured shall be paid with the appropriate insurance. (As amended by the Federal law of 02.07.2013 N 165-FZ)
2. information on the procedure and the conditions for the implementation of compulsory State insurance prescribed by this federal law and adopted in accordance with it, other regulatory legal acts of the Russian Federation (including on the list and order of documents necessary for making a decision on payment of the sum insured, the modalities of payment of the sum insured stipulated in insurance contract), the insurer shall be given by the insured citizen when entering it on military service under the contract or service , call-ups or military training, as well as to the insured person by posting on the site of the insured in the information and Telecommunications Internet and in places accessible to the insured person, and, if necessary, should be brought to the attention of the insured person in any other way.
The insured shall keep this information up-to-date.
(Paragraph as amended by federal law from 02.07.2013 N 165-FZ) 2-1. The military, the military commissariat, military-medical and other organization of the insured (hereinafter-the insured's organization) must notify beneficiaries, provided for in the second and third subparagraphs of paragraph 3 of article 2 hereof and, in their absence, other beneficiaries of the insured event provided for in second paragraph of article 4 hereof, immediately after they became aware of the occurrence of such insured event. (Para supplemented by federal law from 02.07.2013 N 165-FZ)
3. With a view to the timely payment of insurance sum insured organization federal institutions for medical and social examination process must provide assistance in obtaining and registration documents necessary for making a decision on payment of the sum insured. (As amended by the federal laws of 11.06.2008 N 86-FZ; 02.07.2013 N 165-FZ) of the Organization of the policyholder are obliged to notify the insurer on request information about insurance cases and shall transmit to it the relevant information about the circumstances of the occurrence of these cases. (As amended by the Federal law dated 11.06.2008 N 86-FZ)
4. Officials of the insured responsible for the implementation of compulsory insurance as well as leaders and officials of the agencies and organizations of the insured responsible for the unjustified refusal to grant paid to beneficiaries and registration documents necessary for making a decision on payment of the sum insured shall bear responsibility in the manner prescribed by the legislation of the Russian Federation. (As amended by the federal laws of 11.06.2008 N 86-FZ; from 02.07.2013 N 165-FZ) Article 8. Funding for the costs of compulsory State insurance 1. The compulsory State insurance is effected at the expense of funds allocated to policyholders for this purpose from the respective budgets.

2. Compulsory State insurance for troops deployed in the manner prescribed by the legislation of the Russian Federation, not on military positions without suspending them from military service and persons on secondment in the manner prescribed by the legislation of the Russian Federation, is financed from the relevant federal authorities, which sent or from which seconded the soldiers and people. (As amended by the Federal law dated 11.06.2008 N 86-FZ) Article 9. The size of the insurance premium and the amount of the insurance tariff 1. Amount of insurance premium is determined on the basis of the sum insured, used to calculate insurance premiums, and insurance rate, the amount of which shall be determined in accordance with paragraph 4 of this article.
2. the amount of the insured amount used to calculate insurance premium is defined as the product of the insured amount provided for in paragraph 2 second paragraph of article 5 of the present Federal law with regard to the requirements of paragraph 2 of article the ninth paragraph 5 hereof, and the number of insured persons.
3. Change the size of the insurance premium shall be made in the manner and under the conditions provided for in the insurance contract, in compliance with the requirements of the Federal law of April 5, 2013 year N 44-ФЗ "about the contract system in the area of procurement of goods, works and services for public and municipal needs."
4. Procedure for determining the amount of the fare, including the structure of the insurance tariff, its application in calculating insurance premium list, the procedure for the collection and storage of statistical data used in calculating the insurance tariff, exchange of such data between the insured and the insurer are established by the federal body of executive power executing the functions of State policy and normative-legal regulation in the sphere of insurance activity.
5. the structure of the insurance tariff and recoverable by the insured the insurer's costs for the implementation of compulsory State insurance may not exceed 6 per cent of the amount of the insurance premium.
6. the amount of the insurance tariff determined in accordance with paragraph 4 of this article shall not be subject to change during the period of validity of the insurance contract.
(Article in the Editorial Office of the Federal law dated 02.07.2013 g. N 165-FZ), Article 10. The founding of the liberation of the insurer to pay the sum insured 1. The insurer shall be exempted from payment of the sum insured in case of compulsory State insurance if the insurance case came as a result of acts by the insured person, recognized in the manner prescribed by the Court's order dangerous;
located in established court direct causal connection with alcoholic, narcotic or toxic intoxication of the insured person;
is the result of proven Court insured intentional infliction of harm to their health. (As amended by the Federal law of 11 N 208-FZ), the insurer shall be exempted from payment of the sum insured in case of death of the insured person, if the last death occurred as a result of suicide, regardless of the duration of an insured person in military service, service, military training camp. (As amended by the federal laws of 11 N 208-FZ; from 02.07.2013 N 165-FZ) 2. The decision not to pay out the sum insured is accepted by the insurer and the insured and the beneficiary is reported in writing to the required motivated reasons justifying the specified failure within the period prescribed by this federal law for payment of the sum insured. (As amended by the Federal law of 02.07.2013 N 165-FZ), Article 11. The procedure and conditions for the payment of the sums insured 1. Payment of the sum insured shall be made by the insurer on the basis of documents confirming the occurrence of the insured event. List of documents necessary for making a decision on payment of the sum insured shall be determined by the Government of the Russian Federation.
Determination of the severity of the injury (wounds, injuries, contusions) insured persons is carried out by medical organizations of the federal bodies of executive power, in which the legislation of the Russian Federation provides for military service, the service. (As amended by the federal laws of 11.06.2008 N 86-FZ; 02.07.2013 N 165-FZ) list of injury (wounds, injuries, contusions), heavy or light, is determined by the Governments of the Russian Federation.
2. payment of the sums insured are managed independently from amounts due process for other types of insurance contracts, except for the cases stipulated in item 2-1 of this article. (As amended by the Federal law of 02.07.2013 N 165-FZ) 2-1. If the life and health of the insured persons subject to compulsory State insurance in accordance with other applicable federal laws and (or) other normative legal acts of the Russian Federation, sums paid paid to beneficiaries of their choice only one base. (Para supplemented by federal law from 02.07.2013 N 165-FZ)

3. payment of the sum insured to beneficiary (regardless of place of residence, the place of passing them to military service military service charges) is made by the insurer in the territory of the Russian Federation in RUR means provided by the insurance contract. (As amended by the Federal law of 02.07.2013 N 165-FZ)
4. payment of the sum insured shall be made by the insurer within 15 days from the date of receipt of the documents necessary for making a decision about a specified payment. In the case of undue delay by the insurer payment of the sum insured, the insurer pays out-of-Pocket beneficiary penalty equal to 1% of sum insured per each day of delay. (As amended by the Federal law of 02.07.2013 N 165-FZ)
(Second paragraph void-the Federal law dated 11.06.2008 N 86-FZ) Article 12. (Repealed-Federal Law 02.07.2013 N 165-FZ) Article 13. Dispute settlement disputes relating to compulsory State insurance are to be settled in the manner prescribed by the legislation of the Russian Federation.
Article 14. The entry into force of this federal law 1. This federal law shall enter into force from July 1, 1998 year.
2. invite the President of the Russian Federation and to entrust the Government of the Russian Federation to bring its normative acts in compliance with this federal law.
Russian President Boris Yeltsin in Moscow, the Kremlin March 28, 1998 N 52-FZ