Article 31. Special Aspects of Exchange of Information in Electronic Form between the Insurant and the Insurer

Generation and sending by the insurant (insured person, beneficiary) to the insurer of information in electronic form (application for conclusion, modification or early termination of the insurance contract, notification of the occurrence of the insured event, application for payment of the insurance indemnity (insurance benefit) and/or other documents) for the conclusion, modification or early termination of the insurance contract, for receipt of the insurance indemnity (insurance benefit) where and as provided for by the insurance rules, shall be carried out using the official website of the insurer in the worldwide information network Internet, as well as mobile applications, e-mail and other means of information exchange. The official website of the insurer may be used as an information system that provides for the exchange of information in electronic form between the insurant and the insurer who is an operator of such information system.

Access to the official website of the insurer to perform the actions provided for in this article may be carried out by the insurant (insured person, beneficiary) using the identification and authentication system.

When carrying out insurance in electronic form, information in electronic form certified with an electronic digital signature or submitted without an electronic digital signature in accordance with the terms and conditions of the insurance contract, including an insurance contract (policy) signed with an electronic digital signature of the insurer, under the terms and conditions of which the insurant has given its consent by accepting the offer (proposal to conclude an insurance contract) and paying the insurance premium, shall be deemed as equivalent to a paper document.

The requirements for the use of electronic documents and the procedure for the exchange of information in electronic form between the insurant (insured person, beneficiary) and the insurer in the carrying out of voluntary insurance shall be established by the insurance rules and/or other agreement between such persons.