Credit card with medical insurance. Protection against a fraudster: Is it worth insuring plastic cards. Insurance of plastic cards

The owner of a bank card is almost every adult citizen. The range of use of this banking product is extensive: Internet payments, cash receipt in an ATM, payment of services and goods, transfer of money. Each of the procedures carries the risk of loss of financial resources that are on the bank account. For the abduction of money, fraudsters use the latest digital technology, thoughtful schemes, inattention owners. Protect funds helps the card insurance service that almost all large banks of Russia provide.

Features of the insurance service

The object interests of the owner of a specific card become an insurance object. List of conditions in which the situation is recognized as an insured event is individual from each insurer. The policyholder depends on which insurance cases include in the insurance program, and which - no. There is also a comprehensive offer in which additional risks are taken into account. For example, if the keys and documents are stolen with the card, then insurance will cover their cost. Provide insurance services not themselves banks, but partner insurance companies. The bank concludes an agreement with the insurer and offers its customers to insure a map on profitable for all conditions.

To impose or force to sign the insurance contract, employees of financial institutions are not entitled. Terms, the value of the insurance premium depend on the bank. The procedure for recognizing the situation by an insured event is also not easy: the client should not only strictly observe the bank notification time on the occurrence of an insured event, but also immediately apply to law enforcement agencies. In the list of insurance cases and unnecessary points fall. When demaging or damage to the plastic card, the insurer will pay the owner the cost of reissue. Save is difficult, because compensation will be less than the insurance premium. However, the fraudsters and robbers insurance will indeed protect.

In what cases is the compensation paid?

Payment on the insurance policy depends on how accurately all the conditions of insurance are observed, and whether the client's appeal is recognized as an insured event. The country of staying the cardholder and its actions is also taken into account. If the client informed the data of the cards to third parties, the insurance would not cover losses, since the culprit is the client himself. Also in some banks clearly distinguish the robbery attack with the robbery and theft of money due to inattention. In the second case, the insured event does not occur. As a rule, insured cases are recognized:

• Getting a pin-code or card by fraudsters who threatened or used force;
• Fake signatures and removal of funds through the bank's cash register;
• Manufacturing a fake card and removal of funds;
• Loss of cards when attacking, robbery;
• Skimming (loss of funds due to manipulations with ATMs);
• Phishing (loss of money when visiting fake sites);
• Damage to plastic, including random, demagnetization, removal of a card with a faulty ATM.

Losses will be covered under an insurance contract if the insurance case was included in the insurance program, there are no insurance premium debts, no longer disorders notify the financial organization on the loss of funds, the client was in the coating in time, it turned to law enforcement agencies and could prove it on time. More than 3 times for the insurance period of payments, as a rule, are not provided. Also, each specific contract establishes a limit of payments, from which the amount of contributions depends.

The cost of the insurance policy

The amount of insurance premiums and insurance services depends on a specific insurance company and the program that the client selects. Additional services are also taken into account (for example, together with the card, the life of the holder is insured), the term of insurance, which enhancing / down coefficients (not in all banks). Before signing the insurance contract, it is recommended to carefully examine all items or consult with a specialist. The approximate cost and insurance conditions are presented in the table.

Table - prices and conditions of bank card insurance in 2018

Recently, bank accounts and cards often become the object of the crime. Causes are called different - social, economic, educational. Since Sberbank's services are covered by almost 70% of the country's population, the problem of protecting the interests of trusts for the Bank is relevant.

Bank and Sberbank-Insurance Company have developed a joint action program, how to protect money on Sberbank card. The means receive insurance protection against unauthorized access, a differential, and losses are covered by paying insurance.

Insurance of cards in Sberbank

Most of the holders of Sberbank cards are active users. Remove money in ATMs, perform payments for goods, services, transfers through terminals, pay online purchases on various trading platforms. The listed transactions are accompanied by entering confidential information, which can be the property of intruders.

As a result, there are no discontinuation cases of cash withdrawal on a fake card having genuine details, fake customer signatures on a carrier's turnover, Internet-upseed money from the account, payment of goods with the introduction of authentic CVV2 / CVC2 codes.

The object of crime becomes bank plastic: robbery card, cash, pin-code, by the phone of the victim or cash removed. Often pensioners come across fraudulent actions.

For its part, Sberbank makes the maximum effort to prevent the action of fraudsters, but the criminal environment develops and, sometimes, the only thing that can make is to compensate, compensate for damages.

What it is?

Sberbank's insurance insurance is a financial service provided by the Client for a relatively small fee, and which will further reimburse the loss when the insurance event occurs. Externally, it looks like sale of a document, insurance policy. It contains possible adverse cases that may occur for the client and its bank card.

How does it work

For example, as a result of a robbery attack on a citizen, which happened in half an hour after receiving money in an ATM on the insured debit card, 75 thousand rubles were kidnapped. Cash and bank card. The map is insured for a period of 1 year, in the amount of 60 thousand rubles, with a one-time payment of 1161 rubles.

The client appealed to the bank's call center in a timely manner with a request to block the carrier; Applied to the police about the robbery attack. For the payment of insurance, the package of documents is collected and submitted to the insurance company. After the decision is made, the amount of refund of 60 thousand rubles is paid.

Insurance protection of the Sberbank card is carried out from three risks:

• unauthorized operations with money. Included risks of a risk of a bank card, a client signature on it; use of confidential information by fraudsters for their own purposes; violent establishment of a PIN card;
• looking a bank card. The loss of carrier as a result of robbery attack, mechanical damage, thermal exposure, demagnetization, ATM faults;
• criminal excretion with funds that are obtained by the client on the insured carrier within 2 hours from the moment of cash.

You can choose one of the listed groups or all three.

What are the benefits?

Why and is it profitable to insure Sberbank cards? The minimum insurance payment is 1161 rubles / year for 60 thousand rubles stored on the account, or 1.935% of the contribution.

For 350 thousand rubles. - Insurance 5310 rub. or 1.517%. In other words, the payment decreases with an increase in the sum insured.

What cards are insured?

Insurance is subject to all carriers tied to a bank account:

• debit cards, among which are basic and additional;
• credit.

How to receive insurance payments

To obtain a payment from the insurer, the correct sequence of client actions is of great importance:

• if the object of attackers became the map, the call to the call center is blocked;
• the police submit an application with a crime;
• 8-800-555-555-7 appeal, submitted, report the number of the policy, notify about the eve of the event;
• up to 3 days, up to 3 days collect documents confirming the insured case;
• the package of documents is transmitted by the insurer by mail or through the Sberbank division.

The insurance company will make a loss conclusion.

To select an option to insure a debit card correctly, calculate the average annual amount of arrival operations and relate it to the amount of insurance pay. The resulting% ratio is part of the family budget, which will be used to pay the policy.

It is worth a particularly weigious to approach the insurance of the Sberbank credit card. Loss of carrier or money does not cancel obligations. The borrower will have to return the bank the amount of the loan and the percentage on it. While the insurance compensation will cover the losses arising.

How much is the insurance card costs

The cost of insurance of Sberbank cards when online-decrees is presented in the table.

Important! When contacting the office, the cost of insurance services will be somewhat higher.

Ways to place polis

Clients are offered two ways to design insurance: in the department, and online. Pay attention: Insurance Protection comes on the 15th day after payment policy and operates throughout the year. After registration, the policy is defined.

In the department

To make a document in the office of the company, provide a personal passport, contractual service contracts. The document indicates:

• details of the insurer company;
• personal policy of the insured;
• a list of bank cards for which property insurance is carried out;
• insurance cases, with the onset of which compensation is carried out.

Polis signs the head of the department and the beneficiary.

Online

You can arrange an insurance policy yourself from the official Sberbank website. For which three steps are performed:

• the type of insurance protection and sum is selected. Optionally, the service "All cards under the lock" is connected, which will protect the acting media;
• client passport details, email address are made;
• actions are confirmed.

The document is transmitted to the client e-mail.

How to activate polis

The activation of the policy occurs on the website of the insurance company. The online banking offers a special form in which the information is to be taken: the purchase date, the number of the policy, the code of the certificate, the personal data of the client, the mobile phone number. Information is checked with the base of insurance documents. Activation lasts from a few minutes to 2-3 days.

How to refuse

Often you can hear from the clients of the phrase, how to abandon the insurance protection of funds on Sberbank banking cards. Indeed, the ratio of compatriots to any insurance services is rather negative. The actions of the Bank's employees is regarded as "imposing" an unnecessary service. What is associated with the complexity to understand the ordinary evidence of the insurance event and obtaining compensation.

To take an informed decision on insurance or refusal, and bring to an employee of the Bank, it is necessary to familiarize yourself with the rules for providing services, a list of insurance risks and the procedure for issuing documents. Ask an employee of the Bank or the insurer's company consistently to paint what needs to be done when an insurance event occurs, in what time frame to receive the payment of the insurance case.

To begin with, it is worth noting that the insurer is not the bank itself, but an insurance company with which he has a partnership agreement. There are three most popular types of card insurance.

1. Insurance of the card itself

Many banks propose to insure the credit card itself: this is Binbank, Inteza Bank, VTB24, Raiffeisenbank, Rosbank, Sberbank and others.

So, Binbank Advises to protect funds on the map according to the program, which is called - "Card Protection." The card can be insured not only from loss, theft or full physical destruction, but also from all sorts of fraudulent actions by third parties. In particular, the compensation will be paid when removing the money from your account by the fake card, when paying for it on the Internet, with theft of bills received in an ATM, and even if you yourself informed PIN-code fraudsters as a result of the threat of physical Remedies over you. Approximately the same insurance conditions bank "Inteza" .

It is no secret that such insurance cases occur in recent times quite often. Just know - all this will still need to prove that in reality is often not so easy. Therefore, in case of such a situation, do not forget to fix and collect as many facts and documents (checks, photos, audio recordings, etc.). Create and random witnesses.

IN Alpha Bank Several insurance programs are offered. Choosing, for example, the program "Map without risk", the owner is insured against the loss of the map and its further use by fraudsters, as well as from the robbery at the time of cash withdrawal at ATM. At the same time, consider that in the first case, insurance will be paid only for a period equal to 48 hours until the card lock, in the second - the 2-mind hour after the cash. Similar insurance conditions for Sberbank and VTB24.

If you choose the program "Map without risk plus" in the same alpha bank, then the loss of funds are added to the insured events as a result of phishing or skimming.

Some banks are ready to refund other customer costs. For instance, Rosbank and Promsvyazbank Insurance will be paid on the costs of restoring the client's personal documents, its keys and castles lost with the card, and even on the cost of card reissue.

2. Life insurance and credit cardholders' health

Many banks propose to insure not the cards themselves, but their owners, i.e. you.

For instance, SMP Bank pay compensation if the client receives injury, will lose their ability to work (i.e. will be recognized as disabled) or life. True, it is worth considering that if an accident occurred with a client in a state of intoxication (no matter, narcotic, toxic or alcoholic), during hostilities, a nuclear explosion or under some other conditions (read the contract carefully), then the insurance compensation will not be paid.

Insure health and life can also owners of credit cards Sberbank , Uniastrum Bank , Alpha Bank And many other financial institutions.

Please note that usually such programs will only act if you are in the Russian Federation. At the same time, such republics are often excluded as Chechnya and Ingushetia.

3. Insurance when leaving abroad

This is another common type of insurance offered by many banks.

For example, in bank "Avangard" The conditions of the program are: if your work or vacation abroad is overshadowed by injury or illness, it is enough to contact a representative of the service company. He will give the necessary consultation, will help in call a doctor or hospitalization. All expenses related to the payment of treatment, sending drugs, and even with the passage and stay in the hospital near the victim of the victim promises to take over the insurance company. At the same time, know that in the country of permanent residence such insurance is invalid. Risks will not be covered in the event that the trip lasts more than three months or the insured exposes itself with increased risk (jumps with a parachute, skiing, etc.).

SMP Bank It will refuse to pay insurance compensation if you drove into the country where military actions are going or raging the epidemic, as well as where the Ministry of Foreign Affairs of the Russian Federation does not recommend.

Bank24.ru. It offers two programs for travelers at once: "Basic" and "Extended". Only the first insured only the trips abroad, on the second - and through the territory of Russia too.

How much does it cost?

Naturally, the cost of the policy will depend on many factors, and therefore in different banks differs significantly.

• Card Insurance

Rosbank The size of the insurance premium depends on the program: "Classical" - 550 rubles / year (max Amount of compensation up to 33050 rubles / year), "Comfort" - 950 rubles. (up to 81100 rubles), "Elite" - 1750 rubles. (up to 177500 rubles).

In Raiffeisenbank, the Commission and the amount of payments are due to the status of a credit card: the classical will need to pay 70 rubles per month (reimbursement - up to 75 thousand rubles), on gold - 140 rubles / month (up to 150 thousand).

In Binbank, you can choose an annual contribution from 300 to 6 thousand rubles., Accordingly, the compensation will be from 30 thousand to 1 million rubles.

In Bank24.Ru, a similar program is free for the owners of gold and platinum banknotes, and compensation-willowach 78 and 125 thousand rubles. respectively.

• Life and Health Insurance

In Uniastrum, the bank holder (unimportant, gold or classical) will have to pay for insurance 0.59% / month from the amount of debt.

Sberbank in partners already have three insurance companies, apparently therefore the cost of insurance on the site is not reported. Details can be found directly in the offices of the bank.

• Travel insurance

In the "Avangard" such a policy will cost € 13.75 with a limit of responsibility € 30 thousand or € / $ 26.25 with a limit of € / $ 100 thousand.

Some banks do not take a fee with their customers for insurance when traveling abroad. This was noted by the Bank "Opening" and Bank24.ru (though, only on platinum and gold maps), as well as a SMP Bank (according to the main platinum, gold and standard cards).

In principle, the Commission is not so big, but "Is it worth a heap of the dressing", to solve only you. In any case, do not forget to study in detail in detail the insurance contract and be prepared for the fact that sometimes for reimbursement has to run.

Insurance services are becoming the most popular, Sberbank's insurance company to its customers offers various financial protection programs, including on bank card insurance. Such protection allows you to safely use plastic, protect yourself from the possible risk of fraud and get compensation upon the occurrence of an insured event. But most customers do not know about this service and its main advantages. Therefore, in this article will answer the question of what insurance of the Sberbank card is why the service needs and is it possible to refuse it.

What is insurance cards

Sberbank Insurance is a subsidiary, the company of the largest bank in our country. It offers cash protection on a plastic card account. And this program should be noted, has some of their advantages:

• absolutely, every Sberbank Customer can issue an insurance policy by any way for himself, namely directly in the bank's separation or through its remote online resource;
• partially pay the cost of the policy can be bonuses thanks, but not more than 15%;
• polis protects against fraud, such insurance protection is available for any plastic credit or debit.

Accordingly, bank card insurance allows you to get financial compensation when an insured event occurs. Moreover, here the client himself can determine the amount of compensation in the loss of funds, will directly depend on the size of the insurance premium. Such a policy is provided for one calendar year and begins to act 15 days after its payment.Financial protection applies to the following cases:

• theft of money stored on a plastic card account by intruders;
• loss of bank plastic.

It is worth explaining in more detail what means theft of cash, and what cases fall under insurance:

• cash has been abducted by fraudsters from the map account as a result of theft;
• the attackers used violent methods in order to obtain a plastic medium and data for access to customer personal funds;
• cash has been abducted as a result of fraudulent actions, when attackers fucked documents and signatures of customers;
• client robbery and plastic card shappling.

In general, if as a result of unforeseen circumstances, the card was kidnapped by intruders, and they were criminalally received money from her, while the client can count on financial compensation from the insurance company.

Tariffs for the service

As mentioned earlier, the cost of the insurance policy will depend directly from the client, namely from the sum of insurance protection. Therefore, for each client, it will be calculated individually. It is worth saying that the cost of the insurance policy also affects the way the contract is also affected, we recall that the client has the opportunity to do this through Sberbank or through the official website of the insurance company.

For its customers, the Bank offers three service tariffs to compare them with a table. So, how much is the protection of funds. Consider:

Please note that the cost of the policy is specified in one year of its action.

From the presented table, it can be seen that the cost of the policy will directly depend on the amount of compensation upon the occurrence of the insured event, and when making insurance online, there is a possibility to somewhat saved on the purchase of the policy. By the way, it is also worth considering that the amount of compensation cannot exceed the amount that was lost by the owner of the plastic as a result of fraudulent action.

Features of insurance banknotes

Insurance of credit cards of Sberbank is most relevant, because the plastic account shows not their own funds of the client, and borrowed, respectively, in case of theft of funds, the borrower will not be freed from credit obligations. But if you make a policy of an insurance company, then the obligations to pay a bank loan will fall on the shoulders of the insurer.

Please note that in cases with credit cards, the amount of insurance protection should be equal to the credit limit, because if the stolen funds are exceeding the amount of insurance coverage, the difference will pay the borrower independently.

And one more important nuance, the insurance company will not pay the debt of the borrower itself, that is, the amount that he ordered to theft of money. Otherwise, the method and design procedure remains standard, but we will look at it a little later.

List of insurance claims

Insurance debit cards

Debit cardholders can also use the service of the insurance company. After all, even if there are no borrowed bank funds on the account, in the case of theft or fraud, the client carries losses. In this embodiment, the insured person receives compensation as part of the insurance protection.

When placing the policy for the debit card, the tariffs remain unchanged, that is, the client has the right to independently determine their own risks, and on the basis of them to acquire an insurance policy. That is, the amount of compensation upon the occurrence of the insured event will be equal to the amount abducted as a result of fraudulent actions, but not more than the fact that the map was insured.

How to purchase Polis, list of documents

The client can purchase a policy in the Bank's separation and get a paper on paper on paper, or enter into an agreement with an insurance company online and become the owner of an electronic document. Both are equal to legal force. Accordingly, the remote execution of the policy only makes it possible to save my own time and money.

As for the documents, it is necessary to have only a passport, additional references will not be required. Next, it will be necessary to appear in the bank branch, and to declare your desire to insure bank plastic. After that, the Bank's operating system will hold the entire procedure independently, and will give it to the signing of contracts with an insurance company. In another embodiment, all the same can be done independently on the official resource of the insurance company, for this we give a step-by-step manual for the user:

• open the official resource of the insurance company;
• in the main menu, find the link "Insure yourself and your property";
• from the proposed list, select "Banking Card Insurance";
• click "Build online";
• fill in the required information, specify passport data and other information;
• confirm your actions by pressing the corresponding button.

The email address will receive a document in electronic form. Then it will need to be paid by write-off from the account of his bank card.

Please note that after payment policy, its action begins only 15 days after payment service.

Is it possible to abandon insurance

Most customers are little know about insurance cards. Therefore, mostly agree with the purchase of the policy, especially when an employee of a banking organization persistently recommends acquiring financial protection, describes all the advantages of the insurance policy. But for most customers - it's just useless spending. In addition, not everyone has the opportunity to gain insurance, and the other part does not see in it a special need, hence the question, whether it is possible to abandon it.

Registration of the online policy

In order to answer the question, refer to the current legislation, according to the law it is not a mandatory type of insurance, respectively, the client can purchase a policy, and may refuse it from it. Moreover, according to the last resolution of the Central Bank, return the policy and obtain the full amount of its value within two weeks after signing the contract with the insurance company. And she, in turn, returns in full the amount of the insurance premium.

But with some difficulties, customers may encounter if the return period has already expired, and the need to return the policy still remained. In this case, of course, there is no one hundred percent guarantee of the return of money. But nevertheless, it will be possible to try to return at least part of the funds spent.

To do this, be personally in the Sberbank Office with the Insurance Policy and its Personal Documents. You need to inform the Bank's employee about your intention to refuse insurance protection services, then fill out the appropriate application and transfer it to consideration. By the way, the Bank's employee does not accept the application is not right, since he is not a representative of the insurance company, it only performs a mediation role.

According to the results of consideration of the application, employees of the insurance company must contact the client and clarify all the details of the policy of return and cash. By the way, if the return time has already been expired, then the client can still get a partially paid amount of the insurance premium, as a rule, in this case, the insurance company has the full right to accrue a penalty.

Insurance of funds on the Sberbank map, especially when it comes to credit leverage - this is primarily a warranty for the bank. That is why when making a credit card, the manager will definitely be offered insurance of financial risks, but the client may well refuse such protection without explaining the reasons. Banks, although this happens quite rarely, can tighten the conditions for cooperation with the client, increase the annual percentage or reduce the credit limit.

As a result, it is necessary to say that the insurance of the Sberbank card is a personal matter of each client, the bank has no right to impose an additional service. But at the same time, if there is at least a small probability of fraud, then it is not necessary to refuse a service at least if the protection is needed for a credit card. And when placing such a policy, it will be necessary to correctly move the size of the credit limit with the amount of insurance protection, so that in case of an insured event occurs, it is possible to pay compensation in full.