Life and health insurance at Sberbank: advantages, risks, terms. Sberbank, life and health insurance: features, conditions and reviews
A timely issued insurance policy allows you to avoid many problems in the future. But the question arises, in which bank can you take out a policy with more favorable conditions for yourself. The choice is obvious! Sberbank, the largest and reliable bank Russia offers many insurance programs. One of the most popular services among the population today is “Life Insurance from Sberbank”.
The new Sberbank life insurance website offers several types of contracts, which will be discussed further.
Protecting loved ones
- Fractures of body bones;
- for chemical and thermal burns;
- when receiving serious injuries;
- with frostbite.
Also, a life insurance contract with Sberbank implies payment when the death of a loved one occurs due to an accident or train accident.
Each contract program for the protection of loved ones includes certain mandatory elements, such as:
- Amount of one-time contribution;
- the amount of the insured amount;
- list of persons to whom compensation applies.
Separately, there are three categories of close relatives for whom a life insurance contract can be issued:
- Children under 24 years of age;
- spouses from 18 to 65 years old;
- parents, aged from 35 to 75 years.
The standard insurance premium in the contract for this type of service is defined in three options: 900, 1800 and 4500 rubles. In each case, the client receives amounts for the “Injury” risk in the range of 100,000, 200,000 and 500,000 rubles.
There is a separate service called “Protection of Loved Ones Plus”, which provides clients with slightly different conditions for obtaining a policy.
Head of the family
Life and health insurance for the head of the family is very important, since this person most often provides his loved ones with everything they need, earning money and solving problems that arise. In this case, the policy allows you to preserve the financial well-being of relatives even in the most difficult life circumstances.
Among the insured events of this insurance program, it is worth highlighting the following conditions:
- Death of the head of the family as a result of an accident;
- becoming disabled due to an accident.
On the official site https://www.sberbank-insurance.ru/ The following benefits of insurance can be identified:
- Fast execution of the contract;
- the need to provide only the client’s passport;
- choice of different levels of insurance premium;
- The policy is valid all over the world 24 hours a day.
The insurance premium can be in the amount of 900, 1800 and 4500 rubles. Accordingly, the client receives an insurance amount of 300,000, 600,000 and 1,500,000 rubles.
Family protection
Protecting your family from any accidents is an important task that should not be neglected. The price of the issue is insignificant compared to the guarantee financial security loved ones. Sberbank Life Insurance is a reliable tool for protecting loved ones.
There are several categories of those who may be covered by a family protection policy:
- Spouses (from 18 to 70 years old);
- children (from 2 to 50 years);
- grandchildren (from 2 to 30 years old).
Insurance is issued for one year. After this period, it is possible to extend the agreement between the bank and the client.
Each family protection category has its own insurance conditions. This applies to the payment amount and monthly insurance premium. Payment can be made in personal account Sberbank Insurance on the official website. After signing the agreement, access to your personal account will be available.
Airbag
This unusual name for the insurance program makes it clear that in unforeseen situations, the insurance contract will come to the rescue just like an airbag in a car. The essence of the program basically comes down to the fact that by paying minimum contribution for insurance, you receive many times the amount of payment upon occurrence insured event.
To choose this insurance program, you need to decide:
- What insurance period to choose - (the program provides a period from 5 to 30 years);
- The required amount of financial protection – about 2-3 annual income is considered the most optimal option;
- Determine for yourself the frequency of insurance payments (once a year or monthly).
Sberbank has determined insurance risks, under which the client can receive a payment of money. These include the following events:
- Injury due to an accident;
- acquiring disability of the first or second group;
- fatal accident;
- death due to an accident with any type of transport.
Important!
The Sberbank Life Insurance personal account allows you to track the necessary information under the contract. and also make payments on transactions. You can register on the site only if you have an agreement for the Airbag service or any other program.
When concluding an agreement, the client has the possibility of a financial deduction (refund of up to 13% of the annual fee (Tax Code of Russia, Article 219 from 01/01/2015)
Corporate insurance program
Sberbank offers a special type of insurance to protect employees of enterprises from injuries and other accidents.
Corporate insurance program allows the employee to gain confidence in the future. The registration process consists of several points:
- Familiarization with various options insurance programs, as well as choosing the most suitable one;
- Determining the amount of financial protection for an employee (from 100 thousand to 1 million rubles);
- Signing of all documents;
- Payment for the service.
This contract provides insurance either for all employees of the company or for several (more than 10). There are also certain tax benefits.
For example: insurance amounts received upon the occurrence insurance event, do not provide for personal income tax (for the recipient of the payment, Article 213 of the Tax Code of the Russian Federation).
You can take out a policy on various conditions for yourself, your family or employees of the company. Reviews about this service are mostly positive, due to the fact that the bank constantly and fully fulfills its obligations.
Or a large cash loan from Sberbank, the client will definitely be offered to additionally insure his health and life. What is it like? this type insurance, under what conditions it is provided and in what cases it is necessary, we will describe in detail below.
Real estate insurance services at Sberbank
Mortgage insurance at Sberbank is issued at the time of concluding a loan agreement. The price of the policy depends on factors such as the condition of the property being purchased, its cost, the pricing policy of the seller (developer), as well as the personal characteristics of the borrower (age, profession, health, and so on).
Currently, apartment insurance in a new building is carried out according to the program "Home Protection" . The total amount of payments upon the occurrence of an insured event can be 450,000, 600,000, 1,400,000 and 2,000,000 rubles.
Another product from Sberbank is called "Mortgage Protection Online" . Insurance conditions:
- the cost depends on the amount of the outstanding balance on the loan issued by the financial company;
- the agreement is concluded upon concluding a mortgage agreement with the bank;
- registration time - 5 minutes;
- the agreement period is 12 months;
- extension possible.
Payments are made if the property is damaged as a result of fire, flood, earthquake and other circumstances.
Price
In most cases, the cost of the policy depends on the amount of the mortgage agreement. So, when an individual took from a bank:
- 450,000 rubles, the price of insurance will be 1,750 rubles per year;
- if you receive 600,000 rubles, you will need to pay 2,250 rubles for insurance;
- for 1,400,000 the annual payment will be 4,950;
- for 2,000,000 the payment amount is 6,750.
How to refuse early repayment of a mortgage?
The borrower has every right to repay his mortgage debt with Sberbank in advance. If the loan is closed completely, then the client must ask for a certificate of debt repayment, which must then be submitted to the insurance company in order to refuse further payments under the policy. At partial repayment mortgage, the loan amount is recalculated, therefore, the cost of the policy will also be changed downward.
Life and health insurance through Sberbank
Life insurance upon registration mortgage loan in Sberbank there are two types:
- Mandatory – offered to all clients in order to protect their own funds.
- Voluntary - issued at the request of the borrower.
In this case, the consumer has the right to refuse the protection service at any time. If this happens within 30 days, the full amount of the policy will be returned to him, after 1-6 months - 50%, after 6 months - only a small part.
Conditions, cost
Sberbank of Russia offers several life and health insurance programs when applying for a mortgage.
"Head of the Family" — the amount is paid upon the occurrence of disability of the 1st - 2nd groups due to an accident, or in the event of death as a result of an air or railway accident. The price of the policy is from 900 to 4500 rubles per year. Insurance can be obtained when applying for a loan in the amount of 300,000 - 1,500,000 rubles.
"Protecting loved ones online." This offer provides the borrower and his loved ones with reliable protection in the event of adverse events. Cost per year depends on total amount insurance protection. For credit:
- 1,200,000 fee is 900 rubles,
- for 1,400,000 – 1800,
- for 2,000,000 – 4500.
"Protected borrower" . This type is the protection of the client in the event of loss of ability to work or death. The contract period is 1 year with the possibility of extension.
"Protecting Travelers Online." The payment amount is:
- 15 thousand dollars for Russia,
- 35,000, 60,000 and 120,000 euros - the whole world, except the Russian Federation and the USA,
- 60,000, 120,000 dollars - the whole world, except Russia.
The contract can be concluded for a period from 2 days to a year.
"From accidents and illnesses." This is voluntary insurance. Annual cost:
- 3.09% of the loan amount if you want to insure against job loss,
- 2.09% - for insurance against loss of health and life,
- 2.6% per year – if the client chooses the protection parameters himself.
Documentation
Upon the occurrence of an event described in the policy to receive due payments, the client must provide the bank with the following documents:
- certificate of disability;
- medical statement confirming the diagnosis;
- an excerpt about the illness from the hospital record;
- death certificate;
- certificate of the incident issued by the competent authorities;
- other documents confirming what happened.
After analyzing all the documentation and further approval, the agent will list the required volume Money at the expense of the victim.
Motor insurance OSAGO in Sberbank of Russia
Another service that Sberbank of Russia provides to citizens is the issuance of compulsory motor liability insurance policies for various types Vehicle. Auto insurance covers both cars, and for freight transport.
Insured risks include:
- damage to the vehicle as a result of a traffic accident;
- car theft by criminals;
- damage to the car by third parties.
Compensation for damage in the event of an insured event is:
- 500 thousand rubles if harm was caused to the health or life of the client;
- 400,000 – if damage was caused to property.
Conditions, cost, documents
Now let’s look at the list of documents that will need to be provided for registration insurance policy OSAGO in Sberbank.
So, for insurance you should prepare:
- Russian identity card (passport);
- driver's license;
- vehicle passport;
- vehicle diagnostic card;
- application for concluding an insurance contract.
Based on the provided acts, compulsory motor liability insurance is issued for physical subject, who is the owner of the vehicle. The policy also contains the full names of persons who have the right to drive this vehicle.
The cost of MTPL insurance is always calculated individually, based on the characteristics of the car (year of manufacture, model, engine type, mileage, etc.) and information about the client (age, social status, etc.).
An insured event occurs in circumstances where the policy holder is involved in a traffic accident, resulting in harm to other participants in the accident.
No rating Payout Score: 1
Good afternoon. 07.12.2018 upon registration consumer loan, under the pretext of refusal to approve a loan, by an employee PJSC Sberbank S-howl O.G. Voronezh branch No. 9013/0180 Voronezh, Kominternovsky district, Moskovsky Avenue 11, the service “Voluntary life insurance, health insurance and in connection with the involuntary loss of the borrower’s job” was imposed on me. In response to my question about the possibility of obtaining a loan without the above-mentioned service and about the possibility of terminating the insurance contract in the future, SB employee No. 9013/0180 S-va O.G. She answered unequivocally that there was no such possibility. Also, the terms of insurance were not announced to me, an insurance contract and an insurance policy were not issued. The amount of my fee for connecting to the insurance program was 16,615.5 rubles. (Sixteen thousand six hundred fifteen rubles 50 kopecks.)
April 15, 2019 at 17:10 I contacted the Security Service department in order to exit the insurance program and return the insurance amount I paid according to application for insurance No. 511199 dated 12/07/18. My application (in the form of a completed form and an appendix to it - a “handwritten” application in any form) was registered in the SB department No. 9013/0187 as application No. 1904150943615600 dated 04/15/19.
04/18/19 I received a written response to my appeal in SB 9013/00187. The essence of this answer boils down to the fact that “... If you submit an application to terminate participation in the insurance program under
After the specified period, no refund will be made. Thus, in the event of termination of participation in the insurance program according to your application dated April 15, 2018. there will be no refund
produced...
».
However, according to the “Conditions of participation in the program voluntary insurance life, health and in connection with
involuntary loss of the borrower's job" in clause 5 « Termination of client participation in the insurance program" indicates the following:
« P.5.1. Participation of an individual in the Insurance Program may be terminated early for
based on his written application submitted to the bank division in person... In this case, the return of funds paid by an individual as a fee for connecting to the Insurance Program is made by the Bank in the event of an individual’s refusal of insurance in the following cases:
1) an individual submits a corresponding application to the Bank within 14 calendar days from the date of filing the application provided for in clause 2.2 of these Conditions, regardless of whether the Insurance Agreement was concluded in respect of such person;
2) an individual submits a corresponding application to the Bank after 14 calendar days from the date of filing the application provided for in clause 2.2. of these Conditions in the event that the Insurance Agreement has not been concluded in relation to such a person. In this case, a refund is made to the individual
funds in the amount of 100% of the amount of the Fee for connection to the Insurance Program.
P.5.2. If the Insured individual has submitted an application for disconnection from the Insurance Program after the Insurance Agreement has been concluded in relation to this Insured person, the amount of money returned to the Insured person is subject to personal income tax at a rate of 13% - for tax residents, which is withheld tax agent- PJSC Sberbank at the time of their return."
Please consider my request to terminate participation in the insurance program subject to a refund, in accordance with the procedure pre-trial settlement. Otherwise, I reserve the right to appeal to the court and other supervisory authorities to protect the rights of citizens of the Russian Federation.
Often, consumers who want to receive protection in case of various unforeseen situations take out life and health insurance. Sberbank’s calculator allows them to choose the right tariff and calculate its cost, and a wide range of products makes it possible to choose the conditions that suit each client.
Life and health insurance
Among all insurance products, life and health insurance is considered one of the most popular among consumers, since such services are often issued when obtaining loans from financial institutions. For example, when using mortgage lending insurance registration is submitted necessary requirement to obtain approval.
Taking out a policy allows the user to minimize the risks associated with serious injury or death. Indeed, in such a development of events, his debt will be fully repaid, which seems to be the optimal solution. Sberbank's line includes several tariffs at once, allowing you to choose the desired program to every client.
They are divided into two main groups - savings and investment insurance programs. For the former, a characteristic feature is the gradual accumulation of funds, and the program itself is a safety net, which is extremely convenient to use if any serious problems arise. At the same time, the share of the user’s funds in the total insurance payment is 10-15%, which makes the option especially profitable.
The second option is usually used when applying for various loans and mortgages. It will allow you to receive compensation in the event of death or injury, but the list of insured events is noticeably smaller.
When receiving a loan, life insurance is voluntary
Is insurance compulsory?
Often, clients of financial institutions are faced with a widespread requirement to obtain insurance when receiving various loans, including consumer ones.
According to the legislation of the Russian Federation, financial organizations do not have the right to require compulsory insurance when receiving loans, with the exception of mortgage lending.
If the service has already been purchased, but the user wishes to cancel it, he can do this by submitting an appropriate application. When the application period is less than a month, the client will receive the full amount paid for insurance, minus a fee for each day of its validity.
If the appeal was made when 1 to 6 months have passed since the date of insurance, the consumer has the right to expect compensation of 50% of the funds spent. If this period has expired and the borrower submitted an application after 6 months or more, he will receive only a small part of the funds paid.
If you want to get a policy and apply for insurance in accordance with the chosen program, the client can visit a branch of the organization or use the Internet. The second option is much more convenient, as it allows you to perform all the necessary manipulations remotely, without waiting in queues.
In order to apply for a policy, just go to the official website of Sberbank and follow the following algorithm of actions:
- Go to the section “Life and health insurance”.
- Select the desired product.
- Fill in the personal data.
- Confirm your intention to insure yourself.
- Get electronic version policy by e-mail.
- Pay for insurance using a bank card.
The insurance contract provides for a period after which the policy will begin to take effect and the consumer will be able to receive compensation if an insured event occurs.
Insurance is available online
Popular programs
Today, Sberbank offers its clients many insurance programs that allow them to choose best option each user. They differ significantly in terms of provision, as well as in the list of insured events upon the occurrence of which payment is expected to be received.
Among the programs available to consumers, it is advisable to note the most popular options:
- "Head of the Family"
- “Protecting loved ones online.”
- "Protected Borrower Online".
- Insurance against illnesses and accidents.
- Endowment insurance.
- Investment insurance.
Each program has its own advantages and disadvantages, which need to be discussed in more detail. In addition, each product is designed for a specific target audience, for which it represents the maximum benefit. To be able to evaluate the product objectively, it will be useful to use an insurance calculator.
It is important to take into account that the concluded agreement, as a rule, comes into full force only after a certain time has passed, which does not allow receiving compensation in a number of situations. In addition, the policy period is limited and, as a rule, is no more than a year. If long-term insurance is required, for example due to a mortgage, the client will need to renew the policy annually.
"Head of the Family"
In most families living in the Russian Federation, the main source of income is one of the spouses. This means that in the event of loss of ability to work - temporary or permanent - the financial situation of the family becomes precarious. To minimize such risks, Sberbank has developed the Head of Family program, which allows you to receive a payment in the event of disability or death of a working family member.
The terms of the policy assume that the client receives a payment upon receipt of disability (groups 1 and 2), or death of the client due to accidents. In addition, it is possible to receive compensation if the insured person died in railway or plane accidents.
The cost of life insurance at Sberbank under this program, depending on the options included in it, ranges from 900 to 4,500 rubles. Compensation in the event of an insured event is 1 million rubles. To issue a policy, you just need to present your passport as a citizen of the Russian Federation.
You can insure not only yourself, but your loved ones
"Protection of loved ones Online"
Often insurance products are designed for several persons who, upon the occurrence of insured events, will receive the necessary compensation. This program Sberbank borrower's life and health insurance was created for maximum care for loved ones, as it compensates for costs in the event of temporary disability.
Sberbank has developed 3 options at once similar program, differing in the list of insured persons - “Children”, “Spouses”, “Parents”. The main requirement for the consumer who is planned to be insured is age. Such restrictions are individual for each category of persons, which is why it is advisable to study them in more detail:
- parents - from 35 to 75 years old;
- children - from 2 to 24 years old;
- spouses from 18 to 65 years old.
At the same time, insurance is not allowed for persons if they do not fit the above age categories, suffer from HIV/AIDS, have serious mental disabilities, or are registered in dispensaries. The cost of the policy is similar to the previous option - from 90 to 4,500 rubles and depends on the amount of coverage. The latter can vary from 1200 to 2000, and the payment upon death will be 500 thousand rubles.
"Protected Borrower Online"
Another popular insurance program appears to be the “Protected Borrower”. It allows the consumer to receive necessary support upon the occurrence of an insured event and is issued, as a rule, simultaneously with mortgage loan. The policy provides that upon the occurrence of the circumstances specified in the contract, the mortgage will be fully repaid by the insurance company.
The list of insured events must include the death of a person, as well as his receipt of group 1 or 2 disability. In this case, the owner of the policy cannot be older than 55 years (for women - 60 years old) and younger than 18. The insured amount is the debt of the borrower to the financial institution.
The amount of compensation is calculated individually and depends on gender, age, and the amount of debt.
"From illnesses and accidents"
Sberbank’s insurance program “From illnesses and accidents” is no less in demand, which allows you to receive compensation in the event of disability, injury or death as a result of not only accidents, but also various diseases. It is important to note that the policy provides for the possibility of choosing the person who will receive the compensation provided for in the terms and conditions.
This type of life insurance is not available for online registration, so you will need to visit a branch to sign the agreement. financial organization. Tariffs range from 2.09% to 3.09% annually, depending on the selected parameters.
Savings insurance from Sberbank allows you not only to insure your health, but also to accumulate funds
Endowment insurance
Among the existing Sberbank products, special attention deserves endowment insurance. It enjoys well-deserved popularity due to the unique opportunities it provides to users.
The terms of insurance under this program mean that clients can gradually save the required amount for any purpose and at the same time insure themselves in case of unforeseen situations.
The program has several features:
- Additional profit received from investments.
- Possibility of targeted accumulation of funds.
- The tax rate for similar products is lower, and insurance payments are completely exempt from personal income tax.
- Insurance funds cannot be confiscated, collected or divided.
- The heir will be able to receive the insurance amount immediately, without waiting for standard deadlines (6 months).
The program provides that the client will be able to independently adjust the amount of payments made, terms, as well as many other parameters, which makes the product universal for most users.
Investment insurance
Among the specialized products of Sberbank, it is advisable to mention investment insurance. It is available exclusively to Sberbank Premier and Sberbank First members, which somewhat limits the target audience of the product. The amount of the contribution paid by the client monthly is divided into 2 parts. Most are used for high-yield investments with medium risk and generate income.
The second, smaller part of the funds is invested in the most reliable instruments with a small income. Such diversification allows us to guarantee the protection of user funds in the event of various negative events stock market, which is a key requirement for most clients.
Large financial institution RF in addition to various banking products offers the population an expanded package of insurance services. They are provided by a specially created subsidiary– IC “Sberbank Insurance”.
Insurance is more the norm than a luxury In an attempt to insure themselves and their loved ones, Russians turn to private insurance or legal companies that provide similar services. Sometimes such cooperation ends in banal deception.
Contacting Sberbank for life insurance significantly minimizes such risks, since the banking institution is under state control, which provides its citizens with full protection and a full range of services.
It is important to note several advantages of taking out such a policy:
- no need to contact different Insurance companies;
- registration takes place according to the same documents as for registration of a pledge or loan;
- it takes a minimum of time to sign the contract;
- the registration procedure does not include property;
- the list of insurance risks corresponds to the actual conditions of use of the collateral;
- the client chooses the desired option at his own discretion;
- real and transparent rates;
- the ability to terminate the contract upon written request;
- absence of risk due to the elimination of the insurance company.
Insurance risks
The bank provides registration of policies individuals, individual entrepreneurs and business owners.
Insured risks include:
- death occurring after an accident or disaster;
- death after illness (except AIDS),
- long-term illness and disability;
- injuries leading to loss of ability to work;
- disability of 1-2 groups following an accident or long-term illness.
SK offers are the most reliable The most popular programs are:
- "Insurance for credit card holders." In the event of loss of legal capacity and death of the borrower, the bank independently repays the debt on the card. Contribution in the amount of 0.7% of the debt amount for credit card. If there is no debt or if it is less than 1 thousand rubles, then the insurance protection ceases to be valid and no fee is charged.
- Head of Family Online. This option guarantees the policyholder’s relatives the provision of financial assistance an accident, plane or railway accident, resulting in the death of the head of the family or his receiving a disability of 1-2 groups, leading to incapacity. Insurance is paid in one payment. From size down payment and the insurance amount there are 3 options for issuing a policy: from 300 thousand - 1.5 million rubles.
- .
- Thanks to this offer, the policyholder will receive money for medical care for his loved ones - children, spouses' parents. An insured event occurs after injuries received as a result of accidents by loved ones, as well as the death of the policyholder as a result of a disaster. There are 3 options for issuing a policy. The offer is intended for mortgage loan holders. The policy guarantees protection of all financial obligations of the borrower in the event of loss of legal capacity and death for any reason, and ensures full compensation by the bank for all obligations under the loan. The cost is calculated from the loan balance.
- . The insured event comes into force after injury or as a result of unforeseen situations that arise during travel. Sum insured depends on the duration and territory, as well as the number of travelers.
- Accident and illness insurance. The policy provides guaranteed protection for the policyholder and his family from unforeseen situations leading to loss of health, disability or death of the insured person.
- Endowment life insurance. The offer is intended for First and Premier clients. Ensures the accumulation of a significant amount by a specified date and allows protection as a result of loss of health or death of the policyholder.
- Investment life insurance. The service is provided for Premier and First clients. Allows you to make investments without losing your investment due to unforeseen circumstances associated with illness or death.
You can find out more about the conditions of life and health insurance at Sberbank on the banking institution’s website.
Validity periods
Tariffs for life and health insurance at Sberbank
Wide range of insurance coverage In 2017, the following tariffs are expected (indicated for the year).
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