Article 15-2. Requirements for the insurance company and online resources in the conclusion, termination and (or) early termination of the insurance contract and settlement of insurance claims through the exchange of electronic information resources of the Law on Insurance Activities

Home / Laws / Article 15-2. Requirements for the insurance company and online resources in the conclusion, termination and (or) early termination of the insurance contract and settlement of insurance claims through the exchange of electronic information resources of the Law on Insurance Activities

Article 15-2. Requirements for the insurance company and online resources in the conclusion, termination and (or) early termination of the insurance contract and settlement of insurance claims through the exchange of electronic information resources of the Law on Insurance Activities

1. In cases stipulated by the laws of the Republic of Kazakhstan or the rules of insurance, the conclusion, termination and (or) early termination of insurance contracts and settlement of insurance claims in electronic form is carried out through the exchange of electronic information resources between the organization for the formation and maintenance of the database, the insurer and the policyholder (insured, beneficiary).

2. The exchange of electronic information resources between the insurance company and the organization for the formation and maintenance of the database is carried out through the integration of the Internet resource and (or) the information system of the insurance company with the database.

The exchange of electronic information resources between the policyholder (insured, beneficiary) and the insurer is carried out through the Internet resources of the insurance company and other organizations that are partners of the insurance company on the basis of a relevant agreement, in accordance with the procedure established by a regulatory legal act of the authorized body.

The requirements for the Internet resources of the insurance company's partners used for the exchange of electronic information resources are established by a regulatory legal act of the authorized body. The Internet resource of the organization for the formation and maintenance of the database contains a link to the Internet resource of the insurance organization used to conclude an insurance contract and settle insurance claims in electronic form.

3. The procedure for the exchange of electronic information resources between the organization for the formation and maintenance of the database and the insurer, the insurer and the policyholder (insured, beneficiary) is determined by a regulatory legal act of the authorized body.

4. When using the insurer's Internet resource and (or) the Internet resources of other organizations, the insurance organization, in accordance with paragraph 1 and part two of paragraph 2 of this Article, ensures:

1) immediate notification to the policyholder of the conclusion of the insurance contract or refusal to conclude it (indicating the reasons for the refusal) in the form of an electronic message;

2) notification of the policyholder (insured) about the main stages of the insured event settlement process, including refusal to accept documents for settlement (indicating the reasons for refusal), in the form of an electronic message in accordance with the procedure established by the regulatory legal act of the authorized body;

3) the possibility for the policyholder (insured) to verify information on the concluded insurance contract on the Internet resource of the insurance company;

4) the possibility of verification by the policyholder (insured, beneficiary) of information on the insured event on the Internet resource of the insurance company;

5) storing the insurance contract in electronic form and information on the insured event with round-the-clock access for the policyholder (insured, beneficiary) to the Internet resource of the insurance company;

6) the possibility for the policyholder (insured, beneficiary) to create and send to the insurance company information in electronic form (applications, notices and (or) other documents, information) necessary for:

conclusion and modification of the insurance contract;

termination and (or) early termination of the insurance contract;

notification of the occurrence of an insured event (an event considered as an insured event);

determining the amount of damage caused;

receiving an insurance payment;

Note from <url>! The seventh paragraph of subparagraph 6) is provided for in the wording of the Law of the Republic of Kazakhstan dated January 16, 2026 No. 259-VIII (effective from January 01, 2027). settlement of disputes arising from the insurance contract, in order to send information about the existence of disagreements to the Insurance Ombudsman, taking into account the specifics provided for in paragraph 1 of Article 86 of this Law.

Notification of the conclusion, termination and (or) early termination of the insurance contract and settlement of insurance claims is sent from the organization for the formation and maintenance of the database in accordance with the procedure established by the regulatory legal act of the authorized body.;

7) protection of personal data when collecting and processing personal data in accordance with the legislation of the Republic of Kazakhstan on personal data and their protection;

8) prior notification of the policyholder (insured) about the expiration of the insurance contract in accordance with the procedure established by the regulatory legal act of the authorized body.

5. When concluding an insurance contract by exchanging electronic information resources, the insurance contract is considered concluded from the date of payment of the insurance premium by the policyholder (the first insurance premium in case of payment of the insurance premium in installments), unless otherwise provided by the insurance contract.

6. When concluding an insurance contract by exchanging electronic information resources, the policyholder pays the insurance premium (the first insurance premium in case of payment of the insurance premium in installments) after familiarizing himself with the standard insurance conditions provided for by the laws of the Republic of Kazakhstan or with the insurance rules, thereby confirming his consent to conclude an insurance contract on the terms proposed to him.

7. The activity of insurance agents is not allowed when concluding compulsory insurance contracts.

The Law of the Republic of Kazakhstan dated December 18, 2000 No. 126.

President

Republic of Kazakhstan

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