Turkmenistan, Ashgabat, 744013, Hero of Turkmenistan Atamurat Niyazov Avenue, 157
Services
Сombined voluntary insurance of aircraft
The object of insurance under the Agreement concluded on the terms of these Rules may be property interests:a) persons associated with the possession, use, disposal of the Aircraft and having an interest based on the law, other legal act or contract in its preservation, in connection with which the insurance of the casco risks specified in Section IV "Aircraft Casco Insurance" (Aircraft and Helicopters) of these Rules;b) the operator, carrier, owner of the Aircraft or other person who may be assigned the below named liability related to the obligation of the above-mentioned in this clause "b" persons in the manner prescribed by civil law to compensate for incurred in connection with the operation of the Aircraft and when performing air transportation, Damage to property and Damage to life or health (liability to third parties; liability for harm to the life and health of a passenger, for baggage and belongings with a passenger; liability for loss, shortage, damage (spoilage) of cargo, mail), in connection with which insurance is carried out for the risks specified in sections V. "third party liability insurance", VI "Civil liability insurance to passengers (for damage to life or health of passengers) ", VII "Insurance of civil liability to passengers for the loss, shortage and damage (spoilage) of baggage and belongings with a passenger "and VIII" Insurance of civil liability for loss, shortage or damage (damage) of cargo (mail) "of these Rules.
Accident insurance
The object of insurance is personal interests related to the life, health and working capacity of the Insured Person.Insured person - an individual whose personal interests related to life, health and work ability are the object of insurance, in favor of whom the insurance contract has been concluded.Policyholders who are natural persons may be capable natural persons aged 18 and over, provided that by the day of the end of the insurance period the age does not exceed 75 years.Parents (adoptive parents), other relatives of the child, his or her guardian or guardian may conclude accident insurance contracts in favor of children aged 1 year and older, provided that by the day of the end of the insurance period, the age does not exceed 18 years.
Freight forwarder civil liability insurance
The object of insurance under contracts concluded on the basis of these Rules is the property interests of the insured person related to his obligation, in the manner prescribed by law, to compensate property damage or harm to life and health caused to third parties (Beneficiaries), when the Insured fulfills its obligations under the contracts transportation, including international, and/or freight forwarding, as well as with compensation to the Insured of judicial and extrajudicial costs associated with the onset of his liability for causing harm to third parties.The Insurer's obligation to pay insurance compensation occurs if:a) damage to the property interests of the Beneficiary was caused during the period of time specified in the insurance contract;b) damage to the property interests of the Beneficiary was caused as a result of the production activities of the Insured.
Insurance of construction works
Objects of insurance are:- objects of construction works, including buildings, structures and other objects, building materials and installations, as well as other property provided in the design and estimate documentation and which is the subject or means of the construction works;- installation work, including objects under construction, facilities to be equipped, as well as other property provided in the design and estimate documentation and which is the subject or means of construction;- construction site equipment: temporary structures and facilities, warehouses, fences, scaffolding, forms (formwork), engineering structures and others;- construction equipment and mechanisms: bulldozers, excavators, graders, scrapers, road rollers, stamping machines, asphalt pavers, road mills, cranes and hoists, cargo loaders, concrete mixers, concrete pumps, compressors and others;- the cost of clearing the area from debris and debris removal, if they are caused by the harm (damage) occurred in an event to be payable in accordance with the terms of the insurance contract. The costs of clearing are considered to be such costs that must be incurred after the insured event in order to bring the territory of the construction site into a condition suitable for carrying out restoration work.During construction and installation works both the insurance of third party liability and the insurance of warranty period can be provided.
Rules for Voluntary Insurance of Civil Liability of Carriers in the International Carriage of Goods
The open joint-stock company “Hazar atiyachlandyrysh" (the Insurer) concludes an agreement on voluntary insurance of civil liability of carriers engaged in international transportation (insurance contract) with legal entities and individuals of Turkmenistan, with foreign legal entities, including their branches and representative offices, registered or operating on territory of Turkmenistan, as well as with foreign individuals and stateless persons (the Insured) located in the territory of Turkmenistan and carrying out international carriage of goods under the terms of the Customs Convention on the International Carriage of Goods under the TIR Carnet.Insured - an adult capable natural person or legal entity that is a party to the insurance contract, pays the insurance premium (insurance premium) and has an insurable interest in insuring the object of insurance.The object of insurance is the property interests of the Insured associated with his obligation to the customs authorities.
Insurance of passengers and crew members of aircraft and helicopters against accidents
The object of insurance is personal interests related to the life and health of the Insured person as a result of an accident while passengers and crew members are inside an aircraft and a helicopter (other aircraft), when landing and / or leaving it.The insured persons under these Rules are passengers and crew members of air transport.
Professional liability insurance
Professional liability - The obligation of the policyholder to compensate for harm caused to the life, health and / or property of third parties, as a result of negligence or lack of experience, in the course of their professional activities;The object of insurance in accordance with these conditions is the personal property interests of the Insured that do not contradict the legislation of Turkmenistan and these rules, related to his obligation to compensate for harm unintentionally caused to the life, health and / or property of third parties in connection with the implementation of professional activities (performance of obligations) (for all types of professional activities) specified in the insurance contract.By additional conditions for insurance of a specific type of professional activity, the definition of the object of insurance can be clarified or supplemented depending on the specific type of professional activity.
Insurance of residential buildings
Objects of insurance can be residential premises belonging to the Insured (Beneficiary) on the right of private property, which include detached residential buildings, or an apartment in a multi-family residential building, including all structural elements, as well as elements of decoration and equipment: walls and partitions ( pasted wallpaper and other coatings); floors, ceiling, doors with upholstery; window and door frames and frames; glass and stained glass; door handles; door locks; electric calls; electrical wiring and electricity meters, plumbing equipment; heating installations and others.Under the Rules detached houses, residential premises or apartments located in a multi-apartment residential building which are:a. recognized in established order as unsuitable for occupation or in emergency condition;b. located in areas dangerous for living that are threatened by landslides, floods or other natural disasters from the moment of announcement, in the prescribed manner of such a threat or compiled by the competent authorities (hydrometeorological service and others) of the relevant document (act, opinion, etc.) confirming the threat;c. not taken into operation in accordance with the regulatory legal acts of Turkmenistan.
Mortgage insurance
The object of mortgage insurance is the property interest of the Policyholder in receiving compensation from the value of the insured property that the Policyholder owns, uses or disposes of.The insured property includes immovable property, the movement of which is impossible without commensurate damage to their purpose, including those in the ownership, economic management or management of individuals or legal entities: buildings, structures, residential buildings, apartments, other property complexes and other property classified by law Turkmenistan to real estate.The insured events include the following events as a result of which damage was caused to the insured property:- fire or other damage caused by fire;- natural disasters (earthquake, underground fire, landslide, mountain landslide, lightning strike, mudflow, storm, whirlwind, hurricane, flood, flood, flooding due to rising groundwater, etc.);- water damage from plumbing, sewerage, heating systems and fire extinguishing systems;- falling of manned flying objects or their debris;- damage resulting from malicious acts of third parties.Damage from fire damage that did not arise as a result of a fire, as well as damage caused to the insured property as a result of its processing by fire, heat or other thermal effects on it for the purpose of processing it or for other purposes, are not covered by insurance and are not subject to compensation.The list of insured events, upon the occurrence of which the Insurer is obliged to pay insurance indemnity to the Policyholder, is determined in the insurance contract.
Corporate property insurance
The following are covered by insurance:a. buildings (industrial, administrative, social and cultural purposes, public use, etc.);b. structures (towers, masts, units and other production and technological installations);c. engineering and industrial technological equipment (communications, systems, devices, electronic computing equipment, machine tools, transmission and power machines, other mechanisms and devices);d. outbuildings (garages, storage, warehouses, sheds, covered areas, fences, etc.);e. separate premises (workshops, laboratories, classrooms, etc.);f. unfinished construction object;g. unfinished construction object;h. inventory, technological equipment;i. furnishings, furniture, decor;j. inventory items (goods, raw materials).Unless otherwise specified in the insurance contract, insurance does not apply to the following:a. cash in national and foreign currency;b. stocks, bonds and other securities;c. manuscripts, plans, drawings and other documents, accounting and business books;d. models, patterns, samples, forms, etc .;e. precious metals in bars and precious stones without mounting;f. data carriers of computer and similar systems, particularly in magnetic films and tapes, magnetic disks, memory blocks, etc .;g. stamps, coins, banknotes and bonds, drawings, paintings, sculptures or other collections, or works of art;h. explosive and explosive substances (gasoline, diesel fuel, oil, gas, etc.);i. goods in storage or on commission;j. vehicles, mobile, construction, agricultural or other vehicles;k. property located in the insured premises, but not property belonging to the insured;l. farm animals, perennial plants and crops;m. buildings and structures, structural elements and engineering systems that are in emergency condition, as well as property located in them;n. property located in a zone threatened by landslides, landslides, floods or other natural disasters, as well as in a military zone from the moment of the announcement of such a threat in the prescribed manner, if such an announcement was made before concluding an insurance contract;o. other property withdrawn from turnover or limited in turnover.Insurance of items listed above may be concluded by agreement of the parties and must be drawn up with special amendments to the insurance contract (insurance certificate (policy)).
Voluntary insurance of water transport
The object of insurance is the property interests of the Insured at the time of the conclusion of the insurance contract.Insurance interest is a measure of material interest in insurance of the object of insurance.Property interest is expressed in obtaining compensation from the value of the insurance object, which the Policyholder owns, uses and disposes, as well as compensation by the Policyholder for harm caused to life, health and / or damage to the property of an individual, as well as damage to the property of a legal entity hereinafter - third parties ).The object of insurance is the standard structure of a sea (river) vessel: hull, engines, equipment and equipment of the vessel, excluding fuel and lubricants and other consumables.Under the contract, sea (river) vessels can be insured, depending on their purpose, navigation area, building material, type of propulsion and engine, subdivided into groups:- by appointment - trade, service, sports, fishing, passenger, pleasure (lighters, tugs, ferries, barges, boats, etc.).Merchant ships, depending on the nature of the transported goods, are divided into:- Dry cargo, designed for the transportation of dry cargo, packaged and unpackaged (refrigerators, timber trucks, grain carriers, container carriers, package carts, etc.);- in bulk, intended for the transportation of liquid cargo in bulk (tankers, etc.).Not accepted for insurance:means of water transport, structural elements (engines, hull, structures, navigation and other ship devices, machinery and equipment) of which are in emergency condition;Means of water transport that are not included in the state ship register and do not have an officially registered corresponding ice class;Property located on water vessels that does not belong to the Insured and has not been received by him as a result of contractual relations.
Health insurance of foreign citizens and apatrides
The object of insurance is the personal interests (of the Insured Person) for causing harm to life or health as a result of a sudden illness or accident that occurred during his stay in the territory of Turkmenistan, by reimbursing the costs of providing him with medical assistance.The insured event is the infliction of harm to health with the provision of emergency and emergency medical care to the Insured person due to a sudden illness or accident, as well as the death of the Insured person as a result of this event, which occurred during the validity period of the insurance contract.Insured events are events that occurred as a result of a sudden illness or accident during the stay of the Insured person in the territory of Turkmenistan during the period of validity of the insurance contract.Insurance against sudden illnesses and accidents implies payments for the provision of services when they are necessary from the point of view of medicine, as well as for the provision of emergency and emergency medical care.
Health insurance of citizens travelling abroad
The object of insurance is the Insured’s (Insured) personal interests related to harm to his life or health, occurred as a result of an insured event within insurance territory. The insured accident is a sudden illness, accident, as well as the death of the Insured person, which occurred during the validity period of the insurance contract, during the stay of the Insured person in the insurance territory. The insured person (in the event of his death - his heir (assignee)) is required to provide evidence regarding the amount of expenses incurred by the Insurer for expenses incurred due to the occurrence of the insured event.
Insurance of third party liability
Civil liability to third parties - liability to individuals or legal entities for harm to life, health and (or) damage to property as a result of an insured event that occurred in the course of the Insured's business activities specified in the insurance contract. The object of insurance is the property interests of the Insured, associated with the obligations arising from damage to life, health and (or) damage to property of third parties, in connection with the Insured's business activities specified in the insurance contract. Under the insurance contract, the risk of third party liability may be insured for the followings:-harm caused to the life and health of third parties; -damage to the property of third parties; -harm (damage) caused to the life, health and property of third parties. The insured amount under the insurance contract is established by agreement between the Insured and the Insurer within the limit of liability for each type of risk (causing harm to life, health and (or) damage to property of third parties).
Insurance of motor vehicles
The object of insurance is the property interests associated with the possession, use and disposal of a motor vehicle by the Insured. By agreement of the parties, at additional sum indicated in the insurance contract the following are subject to be covered: - accidents involving drivers and passengers in a motor vehicle; - temporary or complete disability; - health care costs; - civil liability of the owner of the vehicle to third parties; Insurance coverage does not apply to precious objects, precious metals, articles made of precious metals, precious and semiprecious stones and products made of them, film and video equipment, religious objects, manuscripts, bank notes, securities, documents and photographs that are in the vehicle as luggage.The life and health of the passenger and (or) the driver (hereinafter the Insured) of the vehicle are subject to insurance of the driver and the passenger of the vehicle against accidents. The insurer pays the Sum Insured (insurance indemnity) upon the occurrence of the insured event specified in the insurance contract of the driver and passenger of a motor vehicle against accidents.Upon the occurrence of an insured event specified in the insurance contract of third party liability of the owner of a motor vehicle to third parties, the harm (damage) caused to the life, health and (or) property of third parties is subject to insurance. In accordance with the insurance contract, the Insurer reimburses harm (damage) caused by the Insured to the life, health and property of third parties as a result of an accident (collision, tipping, hitting a standing vehicle, obstacle, pedestrian, passenger on a bicycle, trolley, passenger’s fall, as well as other types of road accidents).
Cargo insurance
The object of insurance is the property interests of the Insured at the time of the conclusion of the insurance contract. The object of insurance can be: cargo, commission, freight and other costs associated with the carriage of goods; losses related to the carriage of goods caused to the Insured as a result of the occurrence of an insured event are the object of insurance, if this is provided for by the insurance contract.The specific object of insurance is indicated in the Application for voluntary cargo insurance (Appendix No. 1), drawn up by the Insured, and in the Insurance certificate-policy for voluntary cargo insurance (Appendix No. 2).If necessary, a cargo inventory is attached to the insurance contract (Appendix No. 1-a).Insurance for the transportation of special cargo: precious metals and stones (jewelry, gold, platinum and platinum group metals in bullion or scrap), expensive furs, banknotes, coins, securities, currency values, stamps, documents, items with a special artistic or historical value, personal belongings and property, luggage (regardless of the type of transport) is carried out on the basis of an additional agreement.Insurance of goods with specific physical and chemical properties (flammable, explosive, dangerous goods), oversized installations, offshore drilling rigs, ships on the decks of sea vessels, cargo, especially prone to battle and scrap, is also carried out on the basis of an additional agreement.
Voluntary insurance drilling operations
The objects of insurance are oil, gas, geothermal, water and other wells, where:- drilling, deepening, maintenance, repair, restoration or preparation for the start of production are carried out - until the end of these works or until the termination of insurance for other reasons;- oil, natural gas or other liquid or gaseous minerals are being produced;- production of oil, natural gas or other minerals has been temporarily stopped for any reason, and the well has been plugged or otherwise mothballed;- the production of oil, natural gas or other liquid or gaseous minerals is stopped after the depletion of the oil or gas bearing layers feeding the well.- expenses associated with the elimination of the consequences of damage caused to the natural environment, including pollution of air, water, soil and subsoil in the contract area, in its bowels.Under an insurance contract, the risk of civil liability can be insured:- for harm caused to the life and health of third parties;- for damage caused to the property of third parties.The Policyholder is obliged to inform the Insurer about the state (in accordance with clause 7.) of the wells claimed for insurance, as well as for the period of which of the above works the insurance is concluded.Insurance coverage for drilling equipment is also provided. The insurance covers the following specified in the insurance contract:- drilling equipment, equipment for the operation and maintenance of oil and gas wells, as well as derricks, cranes, boilers, boilers, drill pipes, tools, spare parts, units, fittings and accessories for such equipment, as well as other items used by the Insured in such drilling operations;- mobile equipment, rolling stock, cement, drilling mud or drilling mixtures, chemicals, casing pipes, access roads, drawings, plans and documents, as well as property in warehouses. The property named in this paragraph is considered insured only if it is specifically provided for by the insurance contract.The equipment and property specified in the insurance contract shall be deemed to be insured only within the territory of insurance.If this equipment is moved to another territory, the insurance continues to be valid in the new territory only if the Insured has notified the Insurer in advance (at least 1 month in advance) of the forthcoming relocation. In this case, the Insurer has the right to establish premium rates corresponding to the change in the degree of risk caused by the movement of equipment from one territory to another.In cases stipulated by the insurance contract and subject to payment of an additional premium, insurance covers:- damage caused by the drilling equipment or other equipment used in the insured wells, taken by the Insured under lease, hire or leasing agreements or transferred to him by the customer or other persons, including, in particular, drill or casing pipes, augers and other fishing equipment - to the extent in which the Insured is obliged to compensate for the damage in accordance with the law or with rental, lease or leasing agreements;- necessary and expediently incurred expenses for the salvage specified in paragraph 9.1. equipment in the event of the occurrence or threat of occurrence of an event that entails the obligation to pay the insurance indemnity by the Insurer in accordance with clause 11.1.Under the terms of these Rules, insurance also covers losses incurred as a result of:- unexpected release of oil or gas;- sudden formation of craters, griffins or funnels;- raising or lowering masts, crane booms or derricks;- subsidence or retraction of drilling rigs, derricks or masts into the well;- ground transportation within the territory of insurance.Drilling tools, as well as other equipment operated underground, are considered insured only against losses caused by:- unexpected release of oil or gas;- sudden formation of craters, griffins or funnels;- fire;- explosion.A blowout in these Rules means a sudden and abrupt release of drilling fluid from a well followed by an uncontrolled flow of oil, gas or water resulting from the pressure of oil, gas or water in any of the layers below the earth's surface, through which passes the wellbore, is higher than the pressure of the mud column in the well, which leads to the exit of the well out of control.The sudden formation of craters, griffins or craters in these Rules means cases when a cup-shaped depression forms around the wellhead due to soil erosion due to the flow of oil, gas or water coming out of an uncontrolled well.The insurance does not cover the cost of extinguishing a fire at a well or drilling field, as well as the cost of valuable compositions, foam dissolving compounds or any other materials used to extinguish fires, regardless of whether they were damaged (lost) during the fire or used to extinguish it.Also, any costs incurred to stop or prevent the formation of craters, gryphons or sinkholes or the release of oil, gas or water are also non-reimbursable.In accordance with these Rules, the Policyholder is obliged to:- operate the insured equipment independently and using only their own labor force, unless otherwise provided by the insurance contract;- comply with the procedure and rules established by the relevant authorities of Turkmenistan in the territories where drilling operations are carried out, for rotary drilling installations, as well as all necessary precautions;- do not allow the use of oil-containing, oil-containing or aerated mixtures as drilling fluid during drilling.If drilling equipment rental or maintenance contracts provide for any limitation on the liability of the lessor or the maintenance organization with respect to the reliability or performance of the drilling equipment leased or maintained by them, then such limitations shall not affect the Insurer's right to claim recourse for losses. covered in accordance with these Rules of insurance.In any case, losses caused by:- downtime, temporary inability to use the insured equipment and other indirect losses;- theft, disappearance or other inventory losses;- equipment damage due to internal breakdowns, motor explosion or other similar causes;- errors in the design, construction or design of such equipment.The amount of the paid insurance indemnity cannot exceed the actual value of the damaged or lost equipment, taking into account wear and tear.
Collective insurance against accidents of employees
The object of insurance is the personal interests of the Insured person associated with harm to life or health as a result of an accident that occurred during the performance of his job duties, as well as on the way to the place of work or back.An insured event is an event or circumstance that occurred during the validity period of the insurance contract, as a result of which harm was caused to the life or health of the Insured person during the performance of his job duties, as well as on the way to work or back.The insured event also includes:a) pathological childbirth or ectopic pregnancy, which caused the removal of organs (uterus, both or a single fallopian tube, ovaries);b) accidental acute poisoning with poisonous plants, chemicals (industrial or household origin), poor-quality food products, with the exception of food toxicoinfection (salmonellosis, dysentery, etc.), drugs, asphyxia (suffocation), tick-borne or post-vaccination encephalitis (encephalomyelitis ), electric shock (atmospheric electricity), snake bites, poisonous insects, tetanus, botulism.Events cannot be recognized as insurance events and the harm caused to the Insured person is not subject to compensation as a result of:a) the commission of actions in which the bodies of inquiry, preliminary investigation or the court (kazyet) have established signs of an intentional crime;b) alcoholic, narcotic or psychotropic intoxication;c) suicide (attempted suicide), except for cases when the Insured person was brought to such a state by unlawful actions of third parties;d) deliberate infliction of bodily harm by the Insured person;e) deliberate actions of the Insured (or the alleged heirs of the Insured person), as a result of which the death of the Insured person occurred.
Insurance of employer’s legal liability
The object of insurance is the interests of the Insured associated with his obligation to compensate for harm caused to the life and health of the Insured employee (employees) as a result of an accident at work and / or an occupational disease acquired at work.Under voluntary insurance of civil liability of the employer, the insured event is the occurrence of the Insured's liability for causing harm to the life and health of the Insured employees, due to an accident at work and / or occupational disease.With the occurrence of an insured event, the insured has the right to claim the insurer for the payment of the appropriate sum insured (insurance indemnity) and the fulfillment of other obligations stipulated by the insurance contract or the legislation of Turkmenistan, and the insurer has the corresponding obligation. The fact of the occurrence of an insured event is established on the basis of relevant documents and other data that do not raise doubts about their reliability, by decisions of courts, investigative and other bodies, and, if necessary, on the basis of expert opinions. Under insurance contracts related to life, health, work capacity and other personal interests, the sum insured is determined by the insured by agreement with the insurer.
Liability insurance for manufacturers, sellers, contractors and service providers
The object of insurance is the property interests of the Policyholder (the person whose liability risk is insured) associated with the risk of civil liability for causing harm to life, health, property of third parties, the environment as a result of deficiencies (defects) in goods produced (sold) by the Policyholder (the person whose liability risk is insured), work performed, services rendered.The type of product, work, services, liability for which is insured, is specified in the insurance contract, and the following conditions must be met:1) the person whose liability risk is insured has documents confirming its right to produce (sell, supply) goods, perform work, render services specified in the insurance contract;2) the manufactured (sold) goods, completed work, rendered service have passed the manufacturer's (contractor's) control for compliance with the requirements of technical regulations, standards or other normative and technical documentation, which is confirmed by the manufacturer (contractor) or an independent body (certification, testing, etc.);3) the goods (work, service) subject to mandatory certification in accordance with the current legislation of the place of production (sale) of the goods (performance of work, provision of services) have a quality certificate;The policyholder (the person whose liability risk is insured) may present documentary evidence of the measures taken to ensure the quality management system for the manufactured goods, performed work, rendered services;The policyholder (the person whose liability risk is insured) complies with the requirements of the rules established by international treaties of Turkmenistan.The insurance contract is valid within the territory of insurance specified therein.
Insurance of railway vehicles
The insurance object is the property interests of the Policyholder (Beneficiary) related to the ownership, disposal and use of the insurance object.In accordance with these Rules, the insurance object may be railway vehicles of rolling stock and traction rolling stock of public and non-public use, carrying goods and passengers, having the ability to move autonomously.The insured may be serviceable registered in the number database of railway vehicles of all series, assigned and located in the inventory parks of railways, industrial enterprises of railway transport, as well as legal entities and individuals, regardless of their departmental affiliation and form of ownership and who have received permission in the established manner to operate the used railway vehicles.The following are not accepted for insurance:1) railway transport in a museum exhibit, regardless of whether it is in working order or not,2) railway transport used for purposes not intended by the manufacturer,3) railway transport that does not meet the requirements stipulated by the legislation of Turkmenistan.
