RESOLUTION OF THE MINISTRY OF FINANCE OF THE REPUBLIC OF BELARUS

of June 9, 2005 No. 74

About approval of the Instruction about voluntary insurance of medical expenses

In pursuance of the resolution of Council of Ministers of the Republic of Belarus of September 22, 2004 "About the Concept of voluntary medical insurance in the Republic of Belarus" the Ministry of Finance of the Republic of Belarus DECIDES: No. 1180

Approve the enclosed Instruction about voluntary insurance of medical expenses.

Approved by the Resolution of the Ministry of Finance of the Republic of Belarus of June 9, 2005 No. 74

The instruction about voluntary insurance of medical expenses

Chapter 1. General provisions

1. This Instruction determines procedure and conditions of carrying out voluntary insurance of medical expenses of legal entities and physical persons according to which in case of loss occurrence medical care to insured persons appears the organizations of health care of the Republic of Belarus entering the state health care system and also the non-state organizations of health care or in the cases provided by this Instruction, the organizations of health care of foreign states (further - the organizations of health care).

2. For the purposes of this Instruction the following terms are applied:

sudden disorder of health - sharp deterioration in the state of health of insured person;

accident - the sudden, unforeseen event which happened to insured person during validity of voluntary insurance of medical expenses, followed by injuries, wounds, mutilations or other damages of health;

the program of voluntary insurance of medical expenses (further - the program of voluntary insurance) - the integral part of rules of voluntary insurance of medical expenses containing list of medical actions of certain amount which provision is guaranteed to insured person by the agreement of voluntary insurance of medical expenses in case of its appeal to the organization of health care behind medical care owing to sudden disorder of health or accident;

insurance sum - cash amount within which the insurer shall make the organizations of health care payment of insurance coverage, in case of loss occurrence during the term of the agreement of voluntary insurance of medical expenses.

Chapter 2. Object of insurance. Agreement of voluntary insurance of medical expenses

3. Object of voluntary insurance of medical expenses are the valuable interests of the insurer or insured person which are not contradicting the legislation connected with compensation for expenses of the organization of health care, caused by its appeal to the organization of health care behind delivery of health care, included in the program of voluntary insurance owing to sudden disorder of health or accident.

4. Voluntary insurance of medical expenses is performed by the conclusion of the agreement of voluntary insurance of medical expenses (further - the agreement of voluntary insurance) between the insurer and the insurer.

5. The agreement of voluntary insurance is the agreement between the insurer and the insurer according to whom the insurer shall pay in case of loss occurrence according to the legislation of the organization of health care rendering certain amount to insured person of medical care according to the program of voluntary insurance.

Essential terms of the contract of voluntary insurance are determined according to the legislation the rules of voluntary insurance of medical expenses approved by the insurer and approved by the Ministry of Finance of the Republic of Belarus (further - rules of voluntary insurance), and specific conditions - according to the legislation and the specified rules in case of the conclusion of the agreement of voluntary insurance.

Chapter 3. Insured event

6. Insured event is the fact of the expenses incurred by the organization of health care caused by the appeal of insured person to the organization of health care behind delivery of health care included in the program of voluntary insurance owing to sudden disorder of the health or accident which came during validity of voluntary insurance.

7. Validity of voluntary insurance extends to the insured events which occurred in the territory of the Republic of Belarus, and in case of the conclusion of insurance contracts the state insurance companies with the organizations insurers with condition of payment of insurance premiums on them at the expense of means republican and (or) local budgets - also to the insured events which occurred outside the Republic of Belarus.

The compulsory provision of the conclusion of the agreement of the voluntary insurance operating outside the Republic of Belarus is the conclusion the state insurance companies with the organizations of health care of foreign states located in adoptive state of insured person, agreements on rendering medical care to insured person in case of loss occurrence or contracts with the foreign partner acting as the guarantor of ensuring payment of expenses on delivery of health care to insured person in case of loss occurrence having own service centers in adoptive state of insured person with appendix of their list and the location (further - the foreign partner).

Chapter 4. Insurance sum. Insurance premium (insurance premium) and procedure for its payment

8. Under the agreement of voluntary insurance the insurance sum is determined by the parties by their discretion.

9. The size of insurance premium (insurance premium) is, as a rule, determined by the agreement of voluntary insurance proceeding from insurance sum, the duration of the agreement of voluntary insurance and the calculated insurance rate.

10. The insurance rate on voluntary insurance of medical expenses is established by the insurer. At the same time the basic insurance rate is established in coordination with the Ministry of Finance.

11. The insurance premium (insurance premium) under the agreement of voluntary insurance can be paid both one-timely in case of the conclusion of the agreement, and by installments.

12. In case of payment of insurance premium (insurance premium) by installments in the agreement of voluntary insurance consequences of failure to pay the due insurance premium (insurance premium) can be determined at the scheduled time.

Chapter 5. Procedure for the conclusion of the agreement of voluntary insurance

13. The agreement of voluntary insurance is signed based on the written application of the insurer.

14. The agreement of voluntary insurance is signed in writing by issue by the insurer to the insurer of the insurance policy in the form developed by the insurer.

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