Правила страхования

1. Insurance object

1.1. The object of insurance shall be the property interests of the Insurant (the Insured), not contrary to the legislation of the Republic of Kazakhstan, related to additional unforeseen expenses (losses) incurred by the Insured as a result of:

1.1.1. a sudden acute illness or an accident of the Insured within the territory of insurance as provided for by these Rules.

2. Insurance event

2.1. An Insurance event is the occurrence, during the term of the Contract and within the territory of insurance, of unforeseen expenses (losses) incurred by the Insured as a result of a sudden acute disease or accident.

2.2. An insured event in relation to coronavirus infection is a disease caused by COVID-19 coronavirus infection, diagnosed for the first time during the period of insurance coverage, which led to the hospitalisation of the Insured during the period of insurance coverage, if the COVID-19 risk is selected and additionally paid for in the contract.

3.      Covered expenses in case of an insured event:

3.1 Expenses for emergency medical care, namely:

1) expenses for visits and consultations with medical specialists, medical examinations necessary to establish and/or confirm a diagnosis;

2) expenses for emergency hospitalisation in a standard ward, including consultations, examinations, in-hospital monitoring and care, surgical and/or medical treatment of the Insured;

3.2 Expenses for emergency dental care in an amount not exceeding the limit of 200 u.a.* at the exchange rate of the National Bank of the Republic of Kazakhstan on the date of the insured event), as follows:

• expenses related to the treatment of purulent-inflammatory processes in the oral cavity: anesthesia, incision, drainage, stopping bleeding, as well as expenses related to acute pain in a tooth and surrounding soft tissues as a result of traumatic injury in an accident.

3.3       Expenses for transportation/evacuation:

1)        expenses for emergency medical transportation of the Insured, as recommended by Assistance staff, from the place where the insured event occurred to the nearest medical facility or doctor within the territory of insurance.

•          From remote, hard-to-reach mountain regions, evacuation by helicopter is covered only in the event of an injury for which emergency medical assistance cannot be provided at the site of the incident (if the purpose of travel/category selected in the Contract is ‘Sport’)

2)        the cost of transporting the Insured from the hospital to the nearest international airport within the territory of insurance for further independent return to the Republic of Kazakhstan or to the country of which the Insured is a citizen.

3) expenses for medical evacuation of the Insured to the Republic of Kazakhstan or to the country of which the Insured is a citizen (to the nearest international airport);

4) expenses for the accompaniment of the Insured by non-medical or medical personnel, but not exceeding the amount in tenge equivalent to 500 (five hundred) u.a.*.

The Insurer shall cover evacuation expenses only if the evacuation is organized through the Assistance staff or with their approval.

The choice of the means of transportation and the conditions of transportation shall be determined by the Insurer on the basis of the recommendations and prescriptions of the medical institution staff in the territory of insurance and/or the Assistance staff.

3.4. Expenses for repatriation of the Insured's body to the Republic of Kazakhstan or to the country of which the Insured was a citizen during his/her lifetime: storage and embalming of the body, preparation of documentation, coffin for transportation, transportation costs.

3.5. Expenses for the evacuation of insured children under the age of 16 to the Republic of Kazakhstan or to their country of permanent residence/citizenship in the event of hospitalisation and/or death of the insured parent/guardian/authorised person in the territory of insurance, provided that the insured child is left alone in the territory of insurance without care. The insurer shall cover the cost of economy class airfare for each child from the airport at their location (the airport closest to their location) to the airport in the city of the Republic of Kazakhstan (or the country in which the child permanently resides/has citizenship) closest to the settlement in which the child resides.

3.6. Expenses for obtaining legal and administrative assistance:

1) expenses for obtaining legal assistance related to organising and paying for assistance to the Insured in initiating proceedings to protect their rights if the accident occurred through the fault of a third party. Payment shall be made only if the assistance is organised through the Assistance. Assistance arranged independently, either by close relatives of the Insured or by any other persons, without the involvement of the Assistance and/or without the Insurer’s prior consent, shall not be covered.

2) expenses for obtaining administrative assistance related to the issuance of duplicates of lost documents (passport, visa, ticket) and their delivery to the Insured within the territory of insurance.

3) expenses for the payment of 2 (two) telephone calls of the Insurant (the Insured) to the telephone numbers of the 24-hour dispatching service of the Assistance specified in the Insurance Contract and related to the insured event specified in Section 2 of this Contract.

4. Obligations of the Parties.

4.1. The Insurer is obliged to:

1) ensure the confidentiality of insurance information in accordance with Articles 828 and 830 of the Civil Code of the Republic of Kazakhstan;

2) in the event that the Insurant/Insured/Beneficiary fails to provide the documents stipulated in Insurance Rules, promptly, but no later than 5 (five) working days, provide written notice specifying the missing documents;

3) make the insurance payment or provide a written, substantiated refusal to make such payment in accordance with the provisions of these Rules;

4.2 The Insurant is obliged to:

1) when concluding the Contract, provide the Insurer with all information requested that is necessary for the assessment of the degree of risk and the conclusion of the Contract;

2) Promptly notify the Insurer of any significant changes in the circumstances communicated to the Insurer at the time of conclusion of the Contract, if such changes may materially affect the increase of the insured risk.

5. Actions of the insurant (insured) upon the occurrence of an insured event

5.1. Once the Insurant/Insured becomes aware or should have become aware of the occurrence of an event that may lead to an insured event, they are obliged to:

a) immediately, regardless of the time of day, notify the 24-hour Assistance dispatch service at the telephone number specified in the Contract of the occurrence of a sudden acute illness or an accident, and provide the following information:

b) if the Insured fails to call the Assistance dispatch service prior to consulting a doctor and/or receiving other services independently, the Insurer shall make the insurance payment in accordance with sub-paragraph 1) of paragraph 4.2 of Section 4 of these Rules;

c) undergo a medical examination for alcohol/narcotic substances in accordance with the legislation of the country of residence, in case of suspicion of alcohol/narcotic intoxication at the time of the insured event;

d) at the Insurer's request, undergo additional examinations related to the insured event that are necessary for deciding on coverage;

e) perform other actions provided for in these Rules.

5.2 After becoming aware or having become aware of the occurrence of an event covered by the risks specified in Section 3 of these Rules, which may lead to the occurrence of an insured event, the Insurant/Insured shall have the right to:

1) not to contact the 24-hour Assistance dispatch service but to obtain and pay independently for emergency medical care at a medical institution and/or from a physician, provided that the expenses for such emergency medical care do not exceed 200 (two hundred) units of account for outpatient treatment or 500 (five hundred) units of account for inpatient treatment/hospitalization for the entire insurance period. In the event that the expenses for emergency medical care, independently paid by the Insurant (Insured), exceed 200 (two hundred) units of account for outpatient treatment or 500 (five hundred) units of account for inpatient treatment/hospitalization, the Insurer shall be entitled to refuse that part of the insurance payment which exceeds 200 (two hundred) units of account for outpatient treatment or 500 (five hundred) units of account for inpatient treatment/hospitalization.

2) Contact the 24-hour Assistance call center and, if it is impossible for the Assistance to organize/provide medical services (and/or other services stipulated by this Contract), obtain a referral from the Assistance for independent consultation at a medical institution/with a doctor (consulate, etc.) and pay for the services received independently. Reimbursement of expenses in full shall be carried out by the Insurer after confirmation of the Insured’s contact with the Assistance on the day of the insured event prior to receiving assistance, and on the mandatory condition that the Insured seeks medical services from a medical institution/doctor recommended by the Assistance.

In the event that:

• the Insured’s contact with the Assistance is not confirmed;

• the Insured’s contact with the Assistance was recorded post factum, i.e. after medical services had already been received;

• the Insured failed to seek medical services from a medical institution/doctor recommended by the Assistance and instead chose a medical institution/doctor at their own discretion;

The Insurer shall make the insurance payment in accordance with the terms of sub-clause 1) of clause 4.2 of Section 4 of this Contract.

5.3 If the Insured pays for medical care or other services covered by these Insurance Rules independently, they must notify the Insurer in writing immediately, but in any case, no later than 10 (ten) working days from the date of arrival in the Republic of Kazakhstan.

6. The procedure and conditions for making insurance payments

6.1. Insurance payments shall be made in the following order:

1) to the Assistance specified in the Insurance Contract, in case service is provided through the Assistance.

2) To the Insured/Beneficiary, if he/she has independently paid for the services stipulated by the terms of the Contract.

6.2. List of documents required to be provided the decision on insurance payment:

1) copies of documents proving the identity of the Insured and the Beneficiary (passport, identity card, child's birth certificate);

2) copies of the passport pages bearing the entry/exit stamps of the Insured to and from the territory of insurance and the Republic of Kazakhstan;

3) bank details of the Beneficiary's account;

4) the original medical report indicating the diagnosis/reason for seeking medical care;

5) the original invoice specifying each service/item and its cost;

6) the original receipts/payment slips for medical services;

7) other documents specified in the Insurance Rules.

6.3. Documents shall be provided to the Insurer in the original or in the form of a copy, notarised or certified with an original seal and signed by an authorised representative of the competent organization if this is provided for by the legislation of the territory of insurance.

6.4. All documents listed in this section must be provided at the Insurer's request in Russian or Kazakh, or translated into Russian or Kazakh, with the translation certified by a notary.

6.5. The Insurer shall be entitled to shorten the above list of documents or to request additional documents if it considers that their absence makes it impossible to establish the occurrence of the insured event and to determine the amount of loss.

6.6. The amount of the insurance payment shall be determined on the basis of documents confirming the expenses incurred by the Insured.

6.7. The Insurer shall make a decision within 15 (fifteen) business days from the date of receipt of all required documents and either effect the insurance payment or provide the Beneficiary with a written reasoned refusal of the insurance payment.

6.8. The Insurer shall pay the insurance benefit to the Beneficiary in tenge at the official foreign currency exchange rate of the National Bank of the Republic of Kazakhstan on the date of the insured event.

6.9. In the absence of an indication of the payment currency in the documents confirming the payment, the Insurer shall automatically calculate the insurance indemnity in tenge at the official exchange rate of the National Bank of the Republic of Kazakhstan for the currency of the country of stay on the date of the insured event.

7. Insurance limitations and exclusions from insured events.

7.1. The Insurer shall be entitled to fully or partially refuse payment of insurance benefits if the insured event occurred as a result of:

1) intentional actions of the Insured aimed at causing the insured event or contributing to its occurrence, except for actions performed in a state of necessary defense or extreme necessity;

2) actions of the Insured recognized in accordance with the procedure established by the applicable legislation as intentional criminal or administrative offenses that are causally related to the insured event.

7.2. The insurer shall be exempt from making insurance payments if the insured event occurred as a result of:

1) risks not covered by the insurance contract;

2) the effects of a nuclear explosion, radiation or radioactive contamination;

3) military action, acts of terrorism, counterterrorism operations; civil war, civil unrest, uprisings, mutiny, mass riots and strikes;

4) military service of the Insured in the armed forces of any country;

5) environmental pollution, global disasters, earthquakes, volcanic eruptions or the effects of fire, landslides, rockfalls, storms, whirlwinds, hurricanes, floods, hail or heavy rain and other natural disasters;

6) suicide or attempted suicide;

7) failure by the Insured to comply with the requirements of the legislation of the territory of insurance (country of stay);

7.3. The Insurer shall not make an insurance payment:

1) if the Insured, at the time of the event, was under the influence of alcohol, drugs, toxic substances, or any psychoactive substances;

2) if the Insured was in the country of stay for work purposes.

3) if the Insured was in the country of stay for study purposes.

4) if the incident occurred as a result of the Insured's participation in:

a) any type of professional and/or amateur sport;

b) in any activities involving the use of motorised land, water or air vehicles, as well as participation in horse racing, car racing, flying aircraft, including parachutes, paragliders, motorised paragliders and hang gliders, or participation by the Insured in any kind of trials;

c) engaging/participating by the Insured in active recreation and physical activities with an increased risk of injury (including riding on bananas and other water attractions, active sports games; training in gyms; any underwater diving; any type of surfing; staying at alpine camps, tourist or sports bases, as well as in areas located above 1,000 meters above sea level; hiking, caving, volcano trips; off-road car trips and journeys; trips and journeys by bicycles, mopeds, scooters, etc.; trips and journeys on horseback or other animals, etc.).

Exception: if the purpose/category of the trip specified in the Contract is “Study”, “Work”, ‘Sports’ or “Active Leisure” respectively and the above-mentioned risks have been covered by an additional insurance premium.

d) The insured person has coronavirus SARS-CoV-2 (2019-nCoV) COVID-19;

Exception: if the purpose of the trip/category ‘COVID’ is selected in the Contract, and the above risks are covered by an additional insurance premium, considering the corrective ratio;

5) for expenses related to transportation/evacuation by air transport from remote/inaccessible regions in cases of acute illness.

Transportation by air transport shall be carried out only in the event of an injury where it is impossible to provide emergency medical care at the place of occurrence.

7.4.             The Insurer shall not make insurance payments for the following expenses:

1) diagnosis and/or treatment of any diseases that the Insured had prior to the effective date of the Contract;

2) the Insured receiving medical care before the commencement date or after the expiry of the term of the Contract, as well as outside the territory of insurance specified in the Contract;

3) the Insured receiving diagnostics and/or treatment exceeding the scope of emergency medical care (laboratory tests for viruses and bacteria, bacterial cultures of biomaterial, histological examinations, laboratory diagnostics for injuries, repeated dressing of injuries/wounds, follow-up examinations by doctors, etc.);

4) diagnosis and/or treatment of illnesses that the Insured has suffered in the last 6 (six) months prior to the effective date of the Contract and which required follow-up treatment (the restriction does not apply if medical assistance was necessary to save a person's life, to prevent complete loss of working capacity)

5) Outpatient treatment, isolation in a hotel/observation and other expenses related to the detected COVID-19 disease, except for hospitalisation for emergency reasons (no more than 5 days and if the ‘COVID’ option is included in the policy);

6) expenses for the purchase of medicines prescribed/prescribed by a doctor;

7) treatment and/or diagnosis of chronic diseases and their complications/exacerbations, except for cases of first aid to eliminate an immediate threat to the Insured's life;

8) diagnosis and/or treatment of malignant and/or benign neoplasms, hyperplastic processes, as well as any complications caused by and associated with them;

9) diagnosis and/or treatment of the reproductive system, namely:

а) conducting consultative and diagnostic examinations and treatment of the Insured for the purpose of achieving and maintaining pregnancy, treatment of pregnancy complications, normal or premature births, as well as caesarean sections and artificial termination of pregnancy (abortion, curettage of the uterine cavity).

Exception: emergency artificial termination of pregnancy at a gestational age not exceeding 12 weeks, the need for which arose as a result of an accident involving the Insured that may be recognized as an insured event;

b) artificial insemination, diagnosis and treatment of infertility/impotence, prostatitis; sterilization, as well as any methods of contraception, including insertion/removal of intrauterine devices;

c) diagnosis and/or treatment of any menstrual cycle disorders;

10) expenses related to the care and treatment of a newborn child, medical supervision, and transportation (including evacuation and/or repatriation);

11) diagnosis and/or treatment of any congenital, hereditary diseases and/or congenital/acquired anomalies/malformations of the body, including pathological bone fractures;

12) diagnosis and/or treatment (including surgery) related to myopia/hyperopia, astigmatism, cataracts, glaucoma, retinal detachment;

13) expenses for inpatient care lasting more than 5 (five) days for the entire period of the Contract; additionally, for the United States of America region, there is a restriction on inpatient treatment: a limit of 5,000 (five thousand) US dollars for the entire insurance period;

14) expenses exceeding 1,000 (one thousand) units of account of for the entire insurance period related to any diseases of the biliary tract and conditions/complications caused by these diseases;

15) any procedures (diagnostic or surgical) on the heart or blood vessels, including, but not limited to, coronary angiography, coronary angioplasty, coronary artery bypass grafting, stenting, implantation of pacemakers, and similar interventions.

16)      expenses for any type of transplantation, implantation, and/or prosthetics, including endoprosthetics; expenses for surgical interventions such as osteosynthesis, osteoplasty, reconstructive surgeries, any operations involving various fixators/metal constructions (pins, screws, bolts, wires, plates, bone sutures, distraction-compression devices, etc.), and organ or tissue transplantation.

Exception: skin transplantation in case of burns, for the purpose of saving the life of the Insured.

17) diagnosis and/or treatment of liver cirrhosis, all types of hepatitis and their consequences;

18) diagnosis and/or treatment of mental disorders (schizophrenia, depression, panic attacks, delirium, hysterical disorders, etc.);

19) any kind of sexually transmitted diseases, HIV and AIDS, alcoholism or drug addiction, tuberculosis, diabetes mellitus, and their consequences and complications;

20) diagnosis and/or treatment of stroke, epilepsy, seizures.  Exception: febrile seizures in children under 5 years of age (with a body temperature of 38.5°C or higher).

21) diagnosis and/or treatment of infectious and parasitic diseases requiring isolation of the Insured and/or hospitalization in an infectious disease hospital, including diseases listed as socially significant according to the order of the Minister of Healthcare and Social Development of the Republic of Kazakhstan dated May 21, 2015, No. 367 “On Approval of the List of Socially Significant Diseases and Diseases Dangerous to Others”; diagnosis and treatment of neuroinfections, atypical pneumonia virus, hemorrhagic fevers, atypical influenza types, Coxsackie virus, chickenpox, and their consequences, regardless of the clinical form and stage of the disease;

22) expenses for plastic surgery, cosmetic diagnosis/treatment, and any other types of diagnosis/treatment related to the elimination of physical defects or abnormalities, sex reassignment surgery, weight/body correction, diagnosis/treatment of obesity or dystrophy;

23) diagnosis and/or treatment of bites from cats and dogs, insects and ticks; burns from any marine animals/creatures, burns/injuries caused by sea corals/urchins and marine vegetation;

24) Diagnosis and treatment of the effects of direct and/or indirect exposure to solar, ultraviolet, or other types of radiation (sunburn, photodermatitis, etc.), as well as fungal and dermatological diseases, including allergic (except for Quincke's edema/anaphylactic shock) and food dermatitis, psoriasis and its complications; congenital ichthyosis, eczema, alopecia, atopic dermatitis, neurodermatitis, vitiligo, warts, acne, demodicosis, as well as any types of lichen, regardless of nosology;

25) consultations and treatment related to obstruction of the ear canal by earwax plugs;

26) expenses for materials for osteosynthesis/osteoplasty; selection, purchase, and repair of medical aids (lenses, glasses, hearing aids, glucometers, thermometers, bandages, crutches, wheelchairs, diapers, orthoses, orthopedic shoes, compression stockings, etc.), as well as the application of light-curing lightweight plaster casts;

27) dental care, except for emergency care specified in Section 3 of these Rules and the Contract;

Orthodontic and prosthetic services and expenses related to complications after such procedures are not covered.

28) expenses for vaccination (routine and in case of injuries); medical examinations or care not related to an acute illness; preventive check-ups, medical examinations, certificates for educational institutions and other organizations; medical examinations for the issuance of permission to fly and others;

29) surgical interventions or treatment that may be postponed until the Insured returns to the Republic of Kazakhstan and/or that was not approved by the Assistance;

30) provision of a special separate ward in a medical institution (except in cases prescribed by the Assistance physician), as well as the provision of a television, telephone, air conditioner, humidifier, etc.;

31) treatment and/or diagnosis by non-traditional methods (phytotherapy, hirudotherapy, homeopathy, mud therapy, light therapy, treatment in a pressure chamber, manual therapy, massage, bioresonance therapy, etc.), restorative (rehabilitation) treatment, as well as any methods of physiotherapeutic treatment;

32) provision of services of a psychotherapist, dietitian, geneticist, speech therapist, cosmetologist, massage therapist, hairdresser, stylist, interpreter;

33) treatment and/or diagnosis carried out by persons not authorized to practice medicine or by a medical institution lacking the appropriate license;

34) expenses for assistance in the event of an accident resulting in injuries or illnesses of the Insured, occurring as a result of a motor vehicle accident, if:

а) the Insured was driving a vehicle without a valid driver’s license or was under the influence of alcohol, drugs, or toxic intoxication;

b) the Insured entrusted the driving of the vehicle to a person without a valid driver’s license;

c) the Insured Person was in a vehicle (as a passenger) driven by a person under the influence of alcohol, drugs, or toxic intoxication, except for public transport;

35) treatment of consequences of any types of massage, SPA procedures, sauna/bath visits;

36) computed tomography (CT), magnetic resonance imaging (MRI), except in cases threatening the life of the Insured;

37) expenses incurred by the Insured after the expiration of the Contract, even if the insured event occurred during the validity period of the Contract;

7.5. The Insurer shall be released from the obligation to make an insurance payment if:

1) Treatment/receipt of medical services was the purpose of the Insured’s trip, as well as in cases of treatment/receipt of medical services in sanatoriums, health resorts, recreation center, and other sanatorium-resort type organizations;

2) at the time of conclusion of the Contract, the Insured had already been recognized as disabled and/or had a loss (total or partial) of working capacity (general or professional) and/or an occupational disease, and this was the direct cause of seeking medical care;

3) the Insured, at the time of conclusion of the Contract, was already present in the territory of insurance or was undergoing inpatient treatment and/or required other medical assistance in the territory of insurance related to an illness/accident that occurred prior to the date of conclusion of the Contract;

4) the Insured failed to comply with the Insurer’s requirement to undergo a medical examination and/or medical test for alcohol/narcotic intoxication, and/or failed to provide the results of such examination/test.

7.6. The grounds for the Insurer’s refusal to make an insurance payment shall also include the following:

1) the Insurant providing the Insurer with knowingly false information about the object of insurance (including health condition), the insured risk, the insured event and its consequences;

2) failure by the Insurant (the Insured) to notify the Insurer of a change in the Insured’s type of activity, occupation, or purpose of travel, if such change became the direct or indirect cause of the occurrence of an event possessing the characteristics of an insured event;

3) failure to notify or untimely notification of the Insurer about the occurrence of the insured event;

4) the Insured has the coronavirus disease SARS-CoV-2 (2019-nCoV) COVID-19;

5) the Insured has tested positive for COVID-19 as of the date of conclusion of the insurance contract.

7.7. The Insurer does not cover:

1) moral damage, losses of the Insurant (the Insured), including fines, penalties, forfeits, legal expenses, loss of profit, etc.;

2) expenses incurred by the Insurant (the Insured) for translation into Russian or Kazakh and/or notarization of documents

3) transportation expenses of the Insured for travel from a medical institution to the place of temporary residence within the territory of insurance, e.g. pharmacy and etc.;

4) expenses for exchange/purchase of a new ticket, except for medical transportation/evacuation specified in Clause 3.3 of these Terms;

5) expenses for PCR testing for COVID-19 with a negative result. Expenses for PCR testing are reimbursed once in case of a positive result.

7.8. The insurance coverage of the Contract does not extend to:

1) the territory of states within which military operations are being conducted;

2) the territory of states against which economic and/or military sanctions have been imposed by the United Nations (UN);

3) within the territory of states in which epidemic outbreaks have been detected or officially declared and/or quarantine has been imposed;

4) in respect of persons who have obtained citizenship/residence permit (except for those who have obtained a residence permit for the purpose of studying abroad) of the country of stay specified in the Insurance Contract;

5) if the Insurance Contract was issued while the Insured was already present within the territory of insurance.

8. Terms and conditions for termination/cancellation/amendments of the contract

8.1. The Contract shall be terminated in case of expiration of the Contract or early termination of the Contract.

8.2. Amendments to the Contract may be made by mutual agreement of the Parties through the execution of a written agreement.

8.3. In the event of early termination of the Insurance Contract at the request of the Insurant, the Insurer shall refund 100% of the insurance premium paid to the Insurant before the start of the Contract term. The Insurant shall be obliged to submit to the Insurer a written application for termination not less than 1 (one) business day prior to the commencement date of the insurance coverage.

8.4. In addition to the general grounds for termination of obligations provided for by the Civil Code of the Republic of Kazakhstan (hereinafter – the Civil Code of the RK), the Contract shall be terminated early in the cases stipulated by Clause 1 of Article 841 of the Civil Code of the RK.

8.5. In the event of early termination of the Contract on the grounds stipulated in Clause 7.4 of the Contract, the Insurer shall be entitled to a portion of the insurance premium proportional to the period during which the insurance was in effect.

8.6. In the event of early termination of the Contract at the request of the Insurant, submitted after the commencement date of the Contract, if it is related to the circumstances specified in clause 8.4., the Insurer shall refund part of the insurance premium calculated according to the following formula: ((IP:N) * (N – n)) - (IP – 15% * IP)) where: 

IP – insurance premium under the Contract

N – duration of the Contract in days

n – elapsed period of the Contract in days

In the event of the Insurant’s withdrawal from the Contract, if not related to the circumstances specified in Clause 7.4 of the Contract, the insurance premium or insurance contributions paid to the Insurer shall not be subject to refund.

8.7. For all other matters not regulated by the Contract, the Parties shall be guided by the Rules of voluntary insurance of medical and/or other expenses of persons travelling abroad from the Republic of Kazakhstan (TMI), developed by the Insurer.