Order of the Ministry of Finance of the Russian Federation dated April 14, 2017 No. 63n “On approval of the Procedure for determining the size insurance tariff for compulsory state insurance of life and health of military personnel, citizens called up for military training, private and commanding personnel of internal affairs bodies Russian Federation, State Fire Service, employees of institutions and bodies of the penal system, employees of the National Guard of the Russian Federation, including the structure of the insurance tariff, the procedure for its application when calculating the insurance premium, the list, the procedure for collecting and storing statistical data used in calculating the amount of insurance tariff, exchange procedure...” (not in force)
In accordance with paragraph 4 of Article 6 and paragraph 4 of Article 9 of the Federal Law of March 28, 1998 No. 52-FZ “On compulsory state insurance of life and health of military personnel, citizens called up for military training, private and commanding personnel of the internal affairs bodies of the Russian Federation, State Fire Service, employees of institutions and bodies of the penal system, employees of the National Guard of the Russian Federation" (Collected Legislation of the Russian Federation, 1998, No. 13, Art. 1474; 2013, No. 27, Art. 3457) I order:
1. Approve the attached determination of the size of the insurance tariff for compulsory state insurance of life and health of military personnel, citizens called up for military training, private and commanding personnel of the internal affairs bodies of the Russian Federation, the State Fire Service, employees of institutions and bodies of the penal system, military personnel National Guard of the Russian Federation, including the structure of the insurance tariff, the procedure for its application when calculating the insurance premium, the list, the procedure for collecting and storing statistical data used in calculating the amount of the insurance tariff, the procedure for the exchange of such data between the policyholder and the insurer, the procedure for notification by the insurer of the federal body executive power, which carries out the functions of developing public policy and legal regulation in the field of insurance activities, on the conclusion of a compulsory state insurance agreement.
2. To recognize as invalid:
Order of the Ministry of Finance of the Russian Federation dated November 29, 2013 No. 110n “On approval of the Procedure for determining the size of the insurance tariff for compulsory state insurance of life and health of military personnel, citizens called up for military training, private and commanding personnel of the internal affairs bodies of the Russian Federation, the State Fire Department services, authorities for control over the circulation of narcotic drugs and psychotropic substances, employees of institutions and bodies of the penal system, including the structure of the insurance tariff, the procedure for its application when calculating the insurance premium, the list, the procedure for collecting and storing statistical data used in calculating the amount insurance tariff, the procedure for the exchange of such data between the policyholder and the insurer, the procedure for the insurer to notify the federal executive body, which carries out the functions of developing state policy and legal regulation in the field of insurance activities, about the conclusion of a compulsory state insurance agreement" (registered with the Ministry of Justice of the Russian Federation December 27, 2013, registration No. 30880);
Order of the Ministry of Finance of the Russian Federation dated September 22, 2015 No. 147n “On amendments to the Procedure for determining the amount of the insurance tariff for compulsory state insurance of life and health of military personnel, citizens called up for military training, private and commanding personnel of the internal affairs bodies of the Russian Federation, State fire service, authorities for control over the circulation of narcotic drugs and psychotropic substances, employees of institutions and bodies of the penal system, including the structure of the insurance tariff, the procedure for its application when calculating the insurance premium, the list, procedure for collecting and storing statistical data used in calculation of the size of the insurance tariff, the procedure for the exchange of such data between the policyholder and the insurer, the procedure for the insurer to notify the federal executive body, which carries out the functions of developing state policy and legal regulation in the field of insurance activities, about the conclusion of a compulsory state insurance agreement, approved by order of the Ministry of Finance of the Russian Federation Federation dated November 29, 2013 No. 110n" (registered with the Ministry of Justice of the Russian Federation on October 12, 2015, registration No. 39304).
Registration No. 47275
Approved
Ministry of Finance
Russian Federation
dated April 14, 2017 No. 63n
The procedure for determining the size of the insurance tariff for compulsory state life and health insurance of military personnel, citizens called up for military training, private and commanding personnel of the internal affairs bodies of the Russian Federation, the State Fire Service, employees of institutions and bodies of the penal system, employees of the Russian National Guard troops Federation, including the structure of the insurance tariff, the procedure for its application when calculating the insurance premium, the list, the procedure for collecting and storing statistical data used in calculating the amount of the insurance tariff, the procedure for the exchange of such data between the policyholder and the insurer, the procedure for notification by the insurer of the federal executive body, carrying out the functions of developing state policy and legal regulation in the field of insurance activities, on concluding a compulsory state insurance agreement
I. General provisions
1. This Procedure was developed in accordance with paragraph 4 of Article 6 and paragraph 4 of Article 9 of the Federal Law of March 28, 1998 No. 52-FZ “On compulsory state insurance of life and health of military personnel, citizens called up for military training, privates and commanders composition of the internal affairs bodies of the Russian Federation, the State Fire Service, employees of institutions and bodies of the penal system, employees of the National Guard of the Russian Federation" (Collected Legislation of the Russian Federation, 1998, No. 13, Art. 1474; 2013, No. 27, Art. 3457 ) (hereinafter referred to as the Federal Law) and establishes the rules for determining the size of the insurance tariff for the compulsory state insurance of life and health of military personnel, citizens called up for military training, private and commanding personnel of the internal affairs bodies of the Russian Federation, the State Fire Service, and employees of institutions provided for by the Federal Law and bodies of the penal system, employees of the National Guard of the Russian Federation (hereinafter referred to as compulsory state insurance), including the structure of the insurance tariff, the procedure for its application when calculating the insurance premium, the list, procedure for collecting and storing statistical data used in calculating the amount of insurance tariff, the procedure for the exchange of statistical data between the policyholder and the insurer, as well as the procedure for the insurer to notify the federal executive body, which carries out the functions of developing state policy and legal regulation in the field of insurance activities, about the conclusion of a compulsory state insurance agreement.
2. This Procedure is subject to application by insurance organizations that have concluded or intend to conclude a compulsory state insurance agreement (hereinafter referred to as the Insurer), federal executive authorities and federal government agencies, in which the legislation of the Russian Federation provides for military service, service in the internal affairs bodies of the Russian Federation, the State Fire Service, service in institutions and bodies of the penal system, in the troops of the National Guard of the Russian Federation (hereinafter referred to as the Insured, service).
II. List, procedure for collecting and storing statistical data used in calculating the amount of the insurance tariff, procedure for exchanging statistical data between the Policyholder and the Insurer
3. When calculating the insurance rate, the Insurer uses statistical data provided by the Insured (hereinafter referred to as statistical data).
4. In order to prepare statistical data, the Policyholder keeps records of insured events, upon the occurrence of which insurance amounts are paid in the amounts established by Article 5 of the Federal Law, in the context of the following insurance risks:
a) death (death) of a person whose life and health are subject to compulsory state insurance (hereinafter referred to as the insured person), during the period of military service, service, military training;
b) death of the insured person before the expiration of one year after dismissal from military service, from service, after expulsion from military training or the end of military training due to injury (wound, trauma, concussion) or illness received during military service, service, military training ;
c) determination of the insured person’s disability of group I during the period of military service, service, or military training;
d) establishment of a Group II disability for the insured person during military service, service, or military training;
e) the insured person has been diagnosed with group III disability during military service, service, or military training;
f) the insured person is assigned a Group I disability before the expiration of one year after dismissal from military service, from service, after expulsion from military training or the end of military training due to injury (wounds, trauma, concussion) or illness received during military service, service , military training;
g) establishment of a Group II disability for the insured person before the expiration of one year after dismissal from military service, from service, after expulsion from military training or the end of military training due to injury (wound, injury, concussion) or illness received during military service, service , military training;
h) the insured person is assigned a III group disability before the expiration of one year after dismissal from military service, from service, after expulsion from military training or the end of military training due to injury (wound, injury, concussion) or illness received during military service, service , military training;
i) the insured person receives a serious injury (wound, trauma, concussion) during military service, service, or military training;
j) the insured person receives a minor injury (wounds, trauma, concussion) during military service, service, or military training;
k) dismissal of a serviceman undergoing conscription military service from military service, expulsion of a citizen called up for military training to a military position for which the military unit staff provides for a military rank up to and including sergeant major (chief sergeant major), from military training in connection with recognition by their military medical commission unfit for military service or partially fit for military service due to injury (wound, injury, concussion) or illness received during military service or military training.
5. In order to clarify the degree insurance risk and the size of the insurance tariff under the compulsory state insurance contract, the Insured may differentiate persons subject to insurance into homogeneous groups (hereinafter referred to as risk groups), bearing in mind an increased or reduced degree of risk according to one or more factors influencing the degree of risk (hereinafter referred to as risk factors) .
The principles of differentiation of persons subject to insurance by risk groups are determined by the Insured taking into account the data available to him. Risk groups can be formed, in particular, according to geography, types and branches of the military, the nature of the duties performed, attitude towards military service, service (military personnel; citizens called up for military training; citizens, from the date of dismissal from military service, service, deduction no more than one year has passed since military training or the end of military training (hereinafter referred to as those dismissed from service); employees). If there are grounds, in particular, military units, subdivisions, organizations, and institutions can be identified as separate risk groups.
Isolation of the risk of those dismissed from service into a separate group (separate groups) is mandatory. Other persons subject to insurance with a homogeneous degree of risk may be differentiated by the Insured into a single risk group.
The Insurer has the right to submit to the Insured reasonable proposals on the principles of differentiation of persons subject to insurance by risk groups and their changes, as well as on risk factors to be taken into account for the purpose of implementing compulsory state insurance.
If the Insured changes the principles of differentiation by risk groups when exchanging statistical data, their continuity must be ensured, taking into account the requirements for the duration of the statistical observation period provided for in this Procedure.
6. The insurer, in order to exchange statistical data when implementing compulsory state insurance, must provide the Insured in the form agreed upon with him the following information on all insured events declared to the Insurer under the compulsory state insurance agreement:
a) date of occurrence insured event;
b) insurance risk in accordance with this Procedure;
c) signs that allow one to uniquely identify the insured person (at the discretion of the Insured);
d) the date of receipt of the application to the Insurer about the occurrence of an insured event;
e) in case of payment of the insured amount, the amount of the paid insured amount (cumulative total) and the date of payment of the insured amount (its last part);
f) in case of refusal to pay the insurance amount - the date of refusal.
The specified information for the past reporting period and a cumulative total for the period from the beginning of the validity period of the compulsory state insurance contract is provided with a frequency agreed upon with the Insured, but not less than quarterly during the validity period of the compulsory state insurance contract, as well as for a two-year period after the expiration of the compulsory state insurance contract. After two years after the expiration of the compulsory state insurance contract, the Insurer provides the specified information annually until the expiration of five years after the expiration of the compulsory state insurance contract.
The insurer provides in electronic format recording information on compulsory state insurance within a time limit that allows the Insured to provide information about all insured events known to the Insurer during the reporting period no later than 15 calendar days after its end.
7. In addition to the information specified in this Procedure, the Policyholder has the right to request from insurers under compulsory state insurance contracts, including those that have expired, statistical data on the number of insured events, the probability of insurance risk for the years of validity of compulsory state insurance contracts and other information regarding both individual insured events and the totality of insured events under a compulsory state insurance agreement. In this case, the insurance organization has the right to refuse to provide the requested information only in the following cases:
a) from the moment of expiration of the compulsory state insurance contract, the period for storing the requested statistical information by the insurance organization has expired;
b) the provisions of the compulsory state insurance contract do not provide for the insurance company to take into account risk factors that would allow the differentiation of insured persons according to the risk groups specified in the Insured’s request, as a result of which the Insurer cannot carry out the differentiation of insured persons specified by the Insured;
c) the provision of the information specified in the Policyholder’s request is carried out in accordance with this Procedure.
8. Information about the persons subject to insurance, upon notification of a competition for concluding a compulsory state insurance contract, is provided by the Insured by risk group in compliance with the legislation of the Russian Federation on state secrets and the protection of personal data. In this case, information on the risk group(s) of those dismissed from service is provided separately.
9. The statistical data to be transferred by the Insured to the Insurer for the purpose of calculating the amount of the insurance tariff under the compulsory state insurance contract to be concluded for the next period (hereinafter referred to as the compulsory state insurance contract being concluded) includes:
a) the number of each of the risk groups g under the compulsory state insurance contract being concluded, which is defined as the estimated weighted average value of the number of persons subject to insurance in risk group g in the period from the beginning of the validity period to the end of the validity period of the compulsory state insurance contract being concluded (hereinafter referred to as the validity period of the concluded compulsory state insurance agreement);
b) the probability of insurance risk for each insurance risk r, defined by this Procedure in each risk group g for each j-th year of the period of T years immediately preceding the beginning of the validity period of the compulsory state insurance contract (hereinafter referred to as the observation period):
The number of insured events that occurred in risk group g for insurance risk r for the j-th year of the observation period;
The number of insured persons in risk group g in the jth year, defined as the weighted average of the number of insured persons in the jth year.
If in any year of the observation period the insured amount was not paid for all insured events known to the Insured, the Insured provides the Insurer with two values of the probability of the insured risk for given year observation period:
Taking into account insured events for which payments of the insured amount were made;
Taking into account insured events for which payments of the insured amount were made, as well as insured events declared by the beneficiaries and recognized by the Insurer, information on the payment of the insured amount by the Insurer for which the Insured does not have information at the time of provision of information.
The policyholder may additionally provide other information that is essential for the Insurer to determine the degree of insurance risk, including that provided for in this Procedure or characterizing the absolute or relative change the size of risk group g in case of significant fluctuations during the observation period.
10. The policyholder transfers statistical data to the Insurer for the purpose of calculating the amount of the insurance tariff under the compulsory state insurance contract for at least four years immediately preceding the beginning of the validity period of the compulsory state insurance contract being concluded.
11. For the purpose of exchanging statistical data between the Policyholder and the Insurer in accordance with this Procedure, the following features are taken into account:
a) the values of the probability of an insured event in relation to a person dismissed from service are determined only for the insurance risks defined by this Procedure, and in relation to a person who is not dismissed from service - only for the insurance risks defined by this Procedure;
b) the validity of the compulsory state insurance contract in relation to those dismissed from service extends only within one year after dismissal, as a result of which, in order to determine the degree of insurance risk and the size of the insurance tariff under the compulsory state insurance contract for each person subject to insurance of this category, the share of the validity period must be determined contract of compulsory state insurance, and the indication or use of the size of the group or risk groups dismissed from service, as well as other risk groups, must be made taking into account such a proportion of the period of validity of the contract of compulsory state insurance;
c) in the absence of information on the dates of dismissal and acceptance into military service, service of persons subject to insurance, the number of insured persons is determined on the assumption that dismissal and acceptance into military service, service occur in the middle calendar year.
In this case, the number of each of the risk groups dismissed from service is calculated as the sum of:
1/2 of the number of persons dismissed in the risk group in the year preceding the start of the validity period of the compulsory state insurance contract;
The number of persons in the risk group expected to be dismissed during the validity period of the compulsory state insurance contract, with the exception of the last annual period (only in the case of concluding a compulsory state insurance contract for a period of more than one year);
1/2 of the number of persons in the risk group expected to be dismissed for the period of validity of the compulsory state insurance contract being concluded, and in the case of concluding a compulsory state insurance contract for a period of more than one year - only for the last annual period of validity of the compulsory state insurance contract being concluded,
the number of other risk groups is calculated as the sum of:
The number of persons in military service, service in a risk group at the beginning of the validity period of the compulsory state insurance contract being concluded, divided by the double value of the validity period of the compulsory state insurance contract being concluded in years;
The total expected number of persons in military service, service in the risk group at the beginning of all, with the exception of the first, annual periods of validity of the concluded compulsory state insurance contract, divided by the value of the validity period of the concluded compulsory state insurance contract in years (only in the case of concluding a contract compulsory state insurance for a period of more than one year);
The estimated number of persons in military service, service in a risk group at the end of the validity period of the concluded compulsory state insurance contract, divided by double the validity period of the concluded compulsory state insurance contract in years;
d) in the absence of information about the dates of dismissal and acceptance into military service, service of the insured persons, the probability of insurance risk is determined on the assumption that dismissal and acceptance into military service, service occurred in the middle of the calendar year of the observation period, while the number is determined according to the algorithm provided , , , of this paragraph to calculate the number of risk groups under a compulsory state insurance agreement concluded for one year:
the number of each of the risk groups dismissed from service is calculated as 1/2 of the sum of the number of persons dismissed in the risk group in the year preceding the beginning of the j-th year of the observation period, and the number of persons dismissed in the risk group for the j-th year of the observation period;
the number of other risk groups is calculated as 1/2 of the sum of the number of persons in military service, service in a risk group at the beginning of the j-th year of the observation period, and the number of persons in military service, service in a risk group at the end of the j-th year of observation period;
12. The policyholder, upon notification of a competition for the conclusion of a compulsory state insurance contract, provides statistical data in accordance with this Procedure as part of the documentation for the procurement of compulsory state insurance services.
13. The exchange of statistical data and the provision of information in accordance with this Procedure is carried out in compliance with the requirements of the legislation of the Russian Federation on state secrets and the protection of personal data.
14. The collection and preservation of statistical data is carried out by the Insured. The format for storing statistical data and measures sufficient to ensure their safety for at least five years are determined by the Insured independently.
In the event of reorganization or abolition of the Insured with the transfer of all or part of the persons subject to insurance for military service, service to another Insured, the Insured is obliged to transfer to the Insured, who accepts for military service, the service of the transferred persons subject to insurance, available information on the implementation of compulsory state insurance in relation to the transferred persons. persons subject to insurance to the extent provided for by this Procedure.
15. Collection and storage of documents and information is carried out by the Insurer in accordance with insurance legislation.
III. The procedure for determining the amount of the insurance tariff
16. The calculation of the insurance rate under the compulsory state insurance contract is carried out by the Insurer on the basis of statistical data on risk groups submitted by the Insured in accordance with this Procedure, the Insurer’s assessment of the level of expenses of the Insurer for the implementation of compulsory state insurance (hereinafter referred to as the Insurer’s expenses), as well as taking into account financial indicators activities of the Insurer and the results of the Insurer's analysis of the Insured's statistical data.
If the statistical data provided by the Insured allows for the possibility of choosing the option of differentiating persons subject to insurance by risk groups, the Insurer, when calculating the size of the insurance tariff under a compulsory state insurance contract, determines the differentiation of persons subject to insurance by risk groups, based on the goals of optimization and accuracy of calculating the size of insurance rates.
When calculating the amount of the insurance rate under a compulsory state insurance contract, including when assessing the likelihood of an insured risk, the insurer must take into account all statistical data provided by the Insured and Additional Information, significantly affecting the assessment of the degree of insurance risk.
17. The assessment of the probability of insurance risk r for risk group g for the period of validity of the compulsory state insurance contract is determined as the arithmetic average over an observation period of T years of probability values (calculated for all insured events declared and recognized by the insurer, regardless of whether the Insured has information about payment of the insured amount by the Insurer), multiplied by the validity period of the concluded compulsory state insurance contract in years:
.
In addition to the calculation method specified in this paragraph, the assessment of the probability of an insured risk can be determined by the Insurer using extrapolation methods in the presence of a stable trend in the probability of an insured risk over an observation period of at least three years, and by actuarial methods based on an analysis of the development of losses - in the case of the Insured's submission as provided for in this Procedure additional information. When calculating the insurance rate, the Insurer has the right to use the value of the assessment of the probability of insurance risk obtained using the methods specified in this paragraph and (or) taking into account statistical data only on settled insured events, provided that the reduction in the amount of the insurance premium under the compulsory state insurance contract by compared with the amount of the insurance premium calculated at the value of the assessment of the probability of insurance risk, determined in accordance with paragraph one of this paragraph, is an amount less than the excess of the actual solvency margin of the Insurer over the amount standard size solvency margin.
18. The size of the TD insurance tariff (in shares of the maximum amount of insurance amounts in accordance with the Federal Law) under the compulsory state insurance contract, taking into account the number of risk groups, is determined as follows:
,
The amount of the insured amount for the insurance risk r in accordance with paragraphs two - eight of paragraph 2 of Article 5 of the Federal Law;
Estimation of the probability of insurance risk r for risk group g;
Number of risk group g;
The maximum amount of insurance amounts;
f - level of expenses of the Insurer (load);
Indexation coefficient of the amount of insurance amounts for the period of validity of the concluded compulsory state insurance contract, with the exception of the annual increase (indexation) made before the date of notification of the competition in accordance with the federal law on federal budget for the next one fiscal year and planning period;
A coefficient depending on the level of guarantee selected by the Insurer for the sufficiency of the calculated amount of the insurance premium under the compulsory state insurance contract to ensure all payments of insurance amounts for insured events under the compulsory state insurance contract (hereinafter referred to as the level of guarantee of the sufficiency of the insurance premium):
| 0,5 | 0,55 | 0,6 | 0,65 | 0,7 | 0,75 | 0,8 | 0,85 | 0,9 | |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 0,126 | 0,253 | 0,385 | 0,524 | 0,674 | 0,842 | 1,036 | 1,282 | |
| 0,91 | 0,92 | 0,93 | 0,94 | 0,95 | 0,96 | 0,97 | 0,98 | ||
| 1,341 | 1,405 | 1,476 | 1,555 | 1,645 | 1,751 | 1,881 | 2,054 |
When calculating the insurance rate, the Insurer has the right to use, in addition to the values indicated in the table, any value of the level of guarantee of the adequacy of the insurance premium from 0.5 to 0.98, defining the value of the coefficient as a quantile of the standard normal distribution of the level. In this case, the use of a value of the level of guarantee of the sufficiency of the insurance premium of less than 0.98 is allowed provided that the reduction in the amount of the insurance premium under a compulsory state insurance contract compared to the amount of the insurance premium calculated with a value of the level of guarantee of the adequacy of the insurance premium of 0.98 is an amount less than than the excess of the actual size of the Insurer's solvency margin over the value of the standard size of the solvency margin.
IV. Insurance tariff structure
19. The structure of the insurance tariff for compulsory state insurance includes:
expenses of the Insurer (in particular, for calculating the insurance tariff, maintaining records, providing information to the Insured, making payments of insurance amounts) - the share in the insurance tariff is determined by the Insurer, but not more than 6%;
net rate (part of the insurance tariff intended to ensure payment of insurance amounts under a compulsory state insurance contract) - the share in the insurance tariff is determined as 100%, reduced by the share of the Insurer's expenses.
V. The procedure for applying the insurance tariff when calculating the insurance premium
20. The calculation of the insurance premium under the compulsory state insurance contract is carried out by the Insurer based on:
the size of the insurance tariff, which is the weighted average by the number of risk groups of the insurance tariffs for risk groups in accordance with this Procedure;
the insured amount under a compulsory state insurance contract, in accordance with paragraph 2 of Article 9 of the Federal Law, defined as the product of the amount of the insured amount for the risks of death of the insured person during military service, service or military training or until the expiration of one year after dismissal from the military service, from service, after expulsion from military training or the end of military training due to injury (wound, injury, contusion) or illness received during military service, service or military training, taking into account the annual increase (indexation) taking into account the inflation rate in in accordance with the federal law on the federal budget for the next financial year and planning period, and the number of insured persons.
21. The amount of insurance premium P under a compulsory state insurance contract is determined by the following formula:
, Where:
TD - the amount of the insurance tariff determined in accordance with this Procedure;
The amount of the insured amount for the risk of death of the insured person during military service, military service or military training or until the expiration of one year after dismissal from military service, service, after expulsion from military training or the end of military training due to injury (wounds, injuries) , shell shock) or illness received during military service, service or military training, taking into account the annual increase (indexation) made before the date of notification of the competition in accordance with the federal law on the federal budget for the next financial year and planning period;
N is the total number of all risk groups, .
22. If the Insurer uses methods for assessing the probability of insurance risk provided for by this Procedure, a non-unit value of the coefficient, the value of the level of guarantee of the adequacy of the insurance premium is less than 0.98, in order to justify the legality of this use, the submitted calculation of the amount of the insurance tariff and the insurance premium includes explanations and calculations, including comparative calculations and reporting forms for the latest reporting date. The actual size of the solvency margin and the standard size of the solvency margin are determined as of the last reporting date in accordance with insurance legislation.
VI. The procedure for the Insurer to notify the federal executive body, which carries out the functions of developing state policy and legal regulation in the field of insurance activities, about the conclusion of a compulsory state insurance agreement
23. The insurer, within 10 calendar days from the date of conclusion of the compulsory state insurance agreement, sends to federal body executive branch, which carries out the functions of developing state policy and legal regulation in the field of insurance activities, notification of the conclusion of a compulsory state insurance agreement with the attachment of the following documents and information:
a) the date of notification of the competition for the conclusion of a compulsory state insurance contract and statistical data provided by the Insured for the purpose of calculating the amount of the insurance tariff, as well as the initial (maximum) contract price established in the Insured’s tender documentation and, if any, conditions and requirements for possible deviation from her in the procurement participant’s application;
b) calculation of the insurance tariff and insurance premium submitted to the Insured for participation in the competition for the conclusion of a compulsory state insurance contract, indicating the statistical data used and their sources, with an explanation of the symbols and numerical values used, with justification for the applicability of mathematical and actuarial methods, with an appendix in cases provided for by this Procedure, comparative calculations and reporting forms;
c) a copy of the concluded contract of compulsory state insurance, and if it is impossible to submit it - with the following information attached: the start date and validity period of the contract of compulsory state insurance, the number of insured persons, including the risk groups fixed in the contract of compulsory state insurance, the amount of insurance tariff and insurance premium.
24. When making changes to the compulsory state insurance contract in accordance with the legislation of the Russian Federation, within 10 calendar days from the date of amendments to the compulsory state insurance contract, the Insurer sends a notification to the federal executive body exercising the functions of developing state policy and legal regulation in the field of insurance activities, with the attachment of the documents and information specified in this Procedure, taking into account the changes made to them.
Document overview
Approved new order calculating the size of the insurance tariff for compulsory life and health insurance of military personnel, citizens called up for military training, private and commanding personnel of the internal affairs department, State Border Guard Service, drug control authorities, employees of institutions and bodies of the penal system. We are also talking about the tariff structure, the conclusion of an insurance contract, etc.
The main innovations are related to the creation of National Guard troops and the abolition of the Federal Drug Control Service of Russia.
The rules apply to insurance organizations who have entered into or intend to enter into a compulsory state insurance agreement (DOGS). Now there is no question of having a license.
The procedure for collecting statistical data used in calculating the amount of the insurance tariff has been clarified. In particular, the policyholder transfers statistical data to the insurer to calculate the tariff for at least 4 years immediately preceding the start of the DOGS validity period.
It is stipulated that when calculating the rate, including when assessing the probability of an insured risk, the insurer must take into account all statistical data and additional information provided by the insured that significantly influence the assessment of the degree of risk.
The obligation of the insured, in the event of its reorganization or abolition, is established to transfer information to the insured who accepts the transferred persons subject to insurance.
In addition, the insurer notifies the authorized government agency about the conclusion of the DOGS with the attachment, among other things, of the initial (maximum) contract price and conditions established in the insurer’s tender documentation and (if any) requirements for a possible deviation from it in the procurement participant’s application.
In 2017, the Russian Ministry of Internal Affairs already held a competition among insurance companies several times, but not a single organization submitted an application to participate. The fact is that the amounts of payments and the procedure for their calculation are regulated federal legislation, and therefore, it is not profitable for insurers to have such a client. The VTB insurance contract for the Ministry of Internal Affairs ended in 2015, after which Insurance Company did not want to extend the cooperation. During the contract, she had to pay police and military personnel an amount significantly higher than the contribution from the ministry.
Insurance for employees of the Ministry of Internal Affairs at VTB
In 2012, a contract was signed between the insurance company VTB 24 and the Ministry of Internal Affairs for the provision of services. After that in Russian legislation changes have occurred and the amount of insurance payments, as well as the cases in which citizens claim compensation, have changed. If previously the amount of payment was calculated taking into account the rank and wages employee, then it is currently fixed.
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As a result, VTB Insurance paid police officers and military personnel more than 20 billion rubles during the contract period (after changes in legislation). Considering the project unprofitable, the insurer did not express a desire to insure the Ministry of Internal Affairs, like all other companies.
Provision of services in 2017
In accordance with federal law, an insurance company cannot, at its discretion, reduce the amount of payments to clients compared to those stipulated in the insurance policy. Federal law No. 52. The insurer bears full responsibility for the fulfillment of its obligations and cannot worsen the situation of the insured person.
In accordance with the law, beneficiaries are all military personnel (including conscripts), as well as police officers. In the event of the death of an employee, cash received by parents, children or spouses.
To receive compensation, you had to go to the insurance company office with the relevant documents and application. Since in 2017 government contract between the Ministry of Internal Affairs and VTB Insurance has ended, all appeals from citizens of the Insurance Company are sent to the personnel department of the Ministry. In fact, currently police officers and military personnel are left without an insurer.
Insurance case
Insured persons or their relatives may qualify for monetary compensation in the following cases:
- The employee died during service or within 12 months after dismissal;
- The employee received a disability;
- The insured was dismissed from work early due to an injury received in the service;
- The insured person suffered minor or severe physical injury.
Payment amount
If previously the amount of compensation for employees of the Ministry of Internal Affairs in the event of an insured event depended on the salary of the insured, now payments are fixed and cannot be reduced at the request of the insurer.
In 2015, insured employees of the Ministry of Internal Affairs of the Russian Federation received payments in the amount of:
- 2 million rubles in case of death;
- from 500 thousand to 1.5 million rubles in case of disability;
- 50 thousand rubles for receiving a minor injury in the service;
- 200 thousand rubles in case of serious injury.
It is worth noting that employees are insured for 12 months after dismissal and may also qualify for compensation.
Conclusion
IC VTB Insurance Ministry of Internal Affairs received clients on a competitive basis in 2012. However, the procedure for calculating compensation to employees soon changed, and therefore, the insurer considered the project unprofitable and, upon expiration of the contract, did not apply for participation in the competition. In 2017, the Ministry of Internal Affairs did not enter into a contract with any insurance company in Russia, although the competition was announced three times.
This year, insure the life and health of employees of the National Guard and internal affairs bodies according to the law on compulsory insurance maybe the Arsenal company. She is the only participant in the competition, a person familiar with its progress told Vedomosti. The general director of the insurer, Anatoly Sandimirov, confirmed the company’s participation in the competition, indicating that the insurance contract has not yet been signed.
IN previous years such a contract was concluded for three years at once, the premium for it reached 25 billion rubles. The previous competition was won by VTB Insurance, but the contract expired at the end of 2015. Since then, the Ministry of Internal Affairs has been unable to find a new insurer.
The first competition for a three-year contract for 22.4 billion rubles. was held back in January 2016, but not a single company participated in it due to the low price. The second time the competition for a one-year contract was held in April, its results were never summed up. In June, the Ministry of Internal Affairs announced the competition for the third time. The maximum premium for the contract for 2016 is 7.5 billion rubles, as follows from the procurement materials. “The competition is interesting because of the opportunity to make a profit,” says Sandimirov. He agrees that the price is very low, but Arsenal estimates that the contract for 2016 will be profitable, he said, without specifying what factors would contribute to this.
The results of the competition were supposed to be summed up on July 7, but the contract has not yet been signed. Due to the fact that only one application was received to participate in it, it was declared invalid, follows from the response from the press service of the Ministry of Internal Affairs. Information about the insurer that “expressed a desire to conclude a contract with the Ministry of Internal Affairs” will appear on the department’s website later.
Influential businessman
As Interfax reported, citing an informed source, thanks to Lobanov, the elite alcohol supplier Contrail Logistics North-West “received a special status, which implied a more loyal [customs] inspection regime.” The Investigative Committee stated that Lobanov established at least 15 companies associated with the Federal Customs Service. Until July 2009, he was the business partner of Belyaninov’s wife Svetlana, as follows from SPARK-Interfax data. And in 2010, their companies were among the co-founders of the Moscow company wholesale trade"Atlanta".
A closed competition is considered invalid if only one application or none is submitted, says Ekaterina Ilyina, senior lawyer at the A2 law office, adding that if the only application meets the requirements of the competition, then the contract is concluded with this single service provider.
IC Arsenal is a universal insurer; in 2015, the company ranked 51st in terms of fees, according to the Central Bank (RUB 2.5 billion). The company has an A+ rating from Expert RA. In 2015, the agency noted the low diversification of the insurer’s portfolio – approximately 50% was accounted for voluntary insurance civil liability for causing harm to third parties, the rating has not been updated since then. Among Arsenal's clients are Almaz-Antey, Arkhangelsk Airport, the Russian Heritage Foundation, the Fund for Assistance to Housing and Communal Services Reform, and the Grozny Aviation airline, according to the company's website.
The owner and chairman of the board of directors of the insurer is Sergey Lobanov. Kommersant wrote that Lobanov is connected with the case of smuggling of elite cognac, in which the former head of the Federal Customs Service Andrei Belyaninov is a witness. A representative of the Investigative Committee clarified to Vedomosti that “Lobanov remains a defendant in this criminal case.” As part of this case, on July 26, the Investigative Committee and the FSB conducted a search at Belyaninov’s work and home (he quit a few days later). As the official representative of the Investigative Committee stated at the time, a search was simultaneously carried out in Lobanov’s house and office. On this day, Arsenal's head office suspended work, RNS reported with reference to the company's call center. Arsenal was insured by FSUE Rostek, owned by the Federal Customs Service, as follows from the information on the insurer’s website (see inset).
It was not possible to contact Lobanov, and Sandimirov refused to discuss the situation.
If the chairman of the board of directors is nevertheless brought to justice and the case is somehow connected with the activities of the insurer, then this may become an obstacle to concluding a government contract, Ilyina does not rule out. Moreover, as a rule, the conditions of public procurement require the absence of a criminal record for economic crimes from the head, members executive body, the supplier's chief accountant, she says. If some of the requirements are not met, then the company’s application will not be recognized as proper, Ilyina notes, adding that if non-compliance with any criterion is revealed after the conclusion of the contract, this will be grounds for termination of the contract.