For tourists, tour operators and travel agents: legislation on insurance for travelers abroad
Information on the provisions of Federal Law No. 155-FZ of June 29, 2015, "On Amending Certain Legislative Acts of the Russian Federation."
Federal Law No. 155-FZ of June 29, 2015 amending certain legislative acts of the Russian Federation "(hereinafter referred to as the Law) to Federal Law No. 132-FZ of November 24, 1996" On the Basics of Tourism Activities in the Russian Federation " Voluntary insurance of the property interests of tourists on payment of expenses for payment of medical assistance in emergency and urgent forms in the country of temporary stay and (or) return of the body (remains) (hereinafter - voluntary insurance).
The law specifies a minimum list of events (insured events), upon the occurrence of which, in accordance with the provisions of the voluntary insurance contract, the insurer is obliged to organize and (or) pay for medical assistance provided to the insured citizen of the Russian Federation traveling abroad (including medical evacuation in the country of temporary stay and From the country of temporary residence in the Russian Federation) and (or) the repatriation of body (s) to the Russian Federation, as well as the minimum insurance amount under the contract have insurance, equivalent to 2 million rubles.
It is established that when implementing a tourist product, a tour operator, a travel agent acting as an insurance agent on behalf of and at the expense of the insurer, has the right to conclude a voluntary insurance contract (insurance policy) with the tourist or other customer in favor of the tourist, which provides payment and (or) reimbursement of expenses on health care payment in emergency and urgent forms in the country of temporary residence and (or) the return of the body (remains).
Data on such a contract of voluntary insurance shall be specified in the contract on the implementation of the tourism product.
In the case of refusal to enter into a voluntary insurance contract, the cost of providing medical assistance in emergency and urgent forms in the country of temporary stay is borne by the tourist himself, and the costs of returning the body (remains) are borne by persons interested in returning the body (s), which the tour operator ) is obliged to explain to the tourist a personal signature.
The law for tour operators (travel agents) is obligated to provide the tourist with reliable information about the conditions of the voluntary insurance contract, the insurer, organizations that organize the provision of medical assistance in emergency and urgent forms in the country of temporary stay and pay for it, return the body (s), order tourist appeal in connection with the insured event, as well as about the consequences of the lack of the tourist insurance policy.
At the same time, tour operators (travel agents) are also required to post information about insurers on behalf of whom they conclude voluntary insurance contracts on their official websites in the information and telecommunications network "Internet".