Для страховщиков предусмотрят стандарт предоставления клиенту предварительной информации о добровольном страховании

Елена Самтынова

Для страховщиков предусмотрят стандарт предоставления клиенту предварительной информации о добровольном страховании
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Банк России планирует ввести в действие стандартные минимальные требования к условиям и порядку осуществления отдельных видов добровольного страхования в части предоставления информации об условиях добровольного страхования. То есть страховщики (их представители) до заключения договора страхования будут обязаны предоставить потребителю основные параметры страхового продукта, кроме договоров о страховании жизни с условием периодических страховых выплат (ренты, аннуитетов) и (или) с участием страхователя в инвестиционном доходе страховщика. С соответствующим проектом1 указания можно ознакомиться на сайте регулятора. Ввести его в действие предлагается с 1 октября 2021 года – в отношении личного страхования и с 1 апреля 2022 года – по другим видам добровольного страхования.

В стандарт предоставления информации должны войти следующие сведения, подлежащие раскрытию:

наименование страховщика, его адрес (место нахождения), номер телефона и адрес электронной почты; электронный адрес страницы официального сайта страховщика, где размещены правила страхования, на основании которых составлен информационный документ, а также QR-код, содержащий ссылку для прямого доступа к указанной странице; не менее пяти страховых случаев, а если в соответствии с условиями добровольного страхования их число менее пяти – все страховые случаи, ссылка на пункты правил страхования, содержащие перечень страховых случаев; не менее пяти оснований отказа в признании события страховым случаем, оснований отказа в страховой выплате (выплате страховой суммы), а в случае, если их менее пяти – перечислить все основания, ссылка на пункты правил страхования, содержащие перечень оснований отказа в признании события страховым случаем; территория страхования; обязанности страхователя, выгодоприобретателя, застрахованного лица при увеличении страхового риска в период действия договора добровольного страхования, а также при наступлении страхового случая; порядок уплаты страховой премии, в случае если условиями добровольного страхования предусмотрено внесение страховой премии в рассрочку; порядок получения страховой выплаты; период страхования; случаи досрочного прекращения договора добровольного страхования, когда страховщиком возвращается страховая премия или ее часть, а также разъяснение, что в иных случаях досрочного отказа страхователя от договора добровольного страхования страховая премия или ее часть не возвращается; досудебный порядок урегулирования споров.

 Все важные документы и новости о коронавирусе COVID-19 – в ежедневной рассылке Подписаться

При использовании в данном документе отсылок к положениям законодательства РФ их содержание должно быть раскрыто, так же как и значение специальных терминов. Обращается внимание, что вся информация должна быть изложена шрифтом кегля не менее 11 пунктов, в виде таблицы, объемом не более двух страниц А4. Ознакомление получателя страховых услуг с данным документом он должен подтвердить подписью (электронной подписью).

Отмечается, что в случае нарушения страховщиком обязанности по раскрытию указанной информации страхователь сможет отказаться от договора страхования и получить назад уплаченную страховую премию. Соответствующие изменения подготовлены2 в указание Банка России от 20 ноября 2015 года № 3854-У «О минимальных (стандартных) требованиях к условиям и порядку осуществления отдельных видов добровольного страхования».

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1 С текстом проекта указания Банка России «О минимальных (стандартных) требованиях к условиям и порядку осуществления отдельных видов добровольного страхования в части предоставления информации об условиях добровольного страхования» можно ознакомиться на официальном сайте Банка России (https://www.cbr.ru/StaticHtml/File/41186/210201-53-1.pdf). 2 С текстом проекта указания Банка России «О внесении изменения в Указание Банка России от 20 ноября 2015 года № 3854-У «О минимальных (стандартных) требованиях к условиям и порядку осуществления отдельных видов добровольного страхования» можно ознакомиться на официальном сайте Банка России (https://www.cbr.ru/StaticHtml/File/41186/210201-53-2.pdf).

Источник: garant.ru

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Hey! This post could not be written any better! Reading through this post reminds me of my old room mate! He always kept chatting about this. I will forward this page to him. Pretty sure he will have a good read. Many thanks for sharing!

Hey, you used to write wonderful, but the last few posts have been kinda boringK I miss your great writings. Past several posts are just a little out of track! come on!

Does your website have a contact page? I’m having trouble locating it but, I’d like to send you an email. I’ve got some suggestions for your blog you might be interested in hearing. Either way, great blog and I look forward to seeing it expand over time.

I haven’t checked in here for some time as I thought it was getting boring, but the last several posts are good quality so I guess I’ll add you back to my everyday bloglist. You deserve it my friend 🙂

After I initially commented I appear to have clicked on the -Notify me when new comments are added- checkbox and now whenever a comment is added I get four emails with the exact same comment. There has to be a way you are able to remove me from that service? Kudos!

This is very interesting, You’re a very skilled blogger. I have joined your rss feed and look forward to seeking more of your wonderful post. Also, I have shared your website in my social networks!

I have been surfing online greater than 3 hours today, but I never found any fascinating article like yours. It’s lovely value enough for me. In my opinion, if all website owners and bloggers made just right content as you probably did, the internet will likely be a lot more useful than ever before. «Perfection of moral virtue does not wholly take away the passions, but regulates them.» by Saint Thomas Aquinas.

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