Loan refinancing

• Basic program: death/disability of Group I or II as a result of an accident or illness;
• Additional program: Temporary disability as a result of an accident or illness (sick leave); Job loss.

Insurance payout amount:

• In the event of death or disability of the insured person, an insurance indemnity payment of 100% of the insured amount is made;
• In the event of temporary disability of the insured person, an insurance indemnity payment of up to 9 loan payments is made;
• In the event of job loss of the insured person, an insurance indemnity payment of up to 9 loan payments is made.

Participation in the voluntary life insurance program for borrowers of consumer loans of PJSC "Bank Uralsib" is voluntary and not mandatory for obtaining a consumer loan. Participation or non-participation in the specified voluntary insurance program is not a condition for granting a consumer loan by PJSC "Bank Uralsib".

Under the consumer lending program, the annual interest rate is reduced during the validity period of the voluntary life and health insurance agreement that meets the requirements specified below and is entered into by the Borrower simultaneously with the Loan Agreement.

The voluntary life and health insurance agreement must:

• be paid in a lump sum for the entire loan term, but for no more than 2 years;
• mandatorily include insurance of the Borrower against death or disability of Group 1 or 2 as a result of an accident or illness;
• fully cover the amount of the principal debt of the Loan. The fact of entering into the voluntary insurance agreement is confirmed by providing the Creditor with the offer agreement and documents confirming payment of the insurance premium. The interest rate will be increased upon termination of the basic program of the voluntary life and health insurance agreement that meets these requirements and was entered into simultaneously with the Loan Agreement.