Russian standard bank insurance company. Jsc "Russian standard insurance". About Russian Standard Insurance Company

The company with the full name "JOINT STOCK COMPANY" RUSSIAN STANDARD INSURANCE "" was registered on March 25, 2003 in the Moscow region at the legal address: 107023, Moscow, M. Semyonovskaya street, 9, building 1.

The registrar assigned the company INN 7703370086 PSRN 1037703013688. Registration number in the Pension Fund: 087407002515. Registration number in the FSS: 773600950977181. Number of licenses issued to the company: 3.

Requisites

Licenses

1. License number: 1789
   License Date: 25.06.2012
   25.06.2012
   
   - Activities for the technical protection of confidential information
   
   - FEDERAL SERVICE FOR TECHNICAL AND EXPORT CONTROL
2. License number: SZh No. 3748
   License Date: 31.07.2015
   Start date of the license: 07.08.2015
   Name of the licensed type of activity for which the license was issued:
   - Voluntary life insurance
   Name of the licensing authority that issued or renewed the license:
   
3. License number: SL No. 3748
   License Date: 31.07.2015
   Start date of the license: 07.08.2015
   Name of the licensed type of activity for which the license was issued:
   - Voluntary personal insurance, excluding voluntary life insurance
   Name of the licensing authority that issued or renewed the license:
   - Central Bank of the Russian Federation

Affiliated companies

1. 
   INN: 5024044013, PSRN: 1025002882354
   107023, Moscow, M. Semyonovskaya street, 9, building 1, room VI room 7
   Liquidator: Fedorov Andrey Petrovich

other information

History of changes in the Unified State Register of Legal Entities

1. Date: 25.03.2003
   GRN: 1037703013688
   Tax authority:
   Reason for the change: Legal entity creation
2. Date: 19.09.2003
   GRN: 2037703043409
   Tax authority: Inspectorate of the Ministry of the Russian Federation for Taxes and Levies No. 3 for the Central Administrative District of Moscow, No. 7703
   Reason for the change:
3. Date: 25.03.2004
   GRN: 2047744002007
   Tax authority:
   Reason for the change:
   Documents:
   
   - CHANGES TO THE STATUTE
   - PAYMENT ORDER
   
4. Date: 13.04.2004
   GRN: 2047744002623
   Tax authority: Interdistrict Inspectorate of the Ministry of the Russian Federation for Taxes and Levies No. 44 in Moscow, No. 7744
   Reason for the change: Recognition of an entry entered into the Unified State Register of Legal Entities in respect of a legal entity as invalid
5. Date: 13.04.2004
   GRN: 2047744002634
   Tax authority: Interdistrict Inspectorate of the Ministry of the Russian Federation for Taxes and Levies No. 44 in Moscow, No. 7744
   Reason for the change: State registration of amendments made to the constituent documents of a legal entity related to amendments to the information about the legal entity contained in the Unified State Register of Legal Entities, on the basis of an application
   Documents:
   
   - CHANGES TO THE STATUTE
   - PAYMENT ORDER
   - MINUTES OF THE EXTRAORDINARY GENERAL MEETING OF SHAREHOLDERS
6. Date: 13.04.2004
   GRN: 2047744002645
   Tax authority: Interdistrict Inspectorate of the Ministry of the Russian Federation for Taxes and Levies No. 44 in Moscow, No. 7744
   Reason for the change: Change of information about a legal entity contained in the Unified State Register of Legal Entities
   Documents:
   
   - DECISION OF THE SOLE SHAREHOLDER
   - AGREEMENT OF PURCHASE AND SALE OF SHARES
7. Date: 02.08.2004
   GRN: 2047744008805
   Tax authority: Interdistrict Inspectorate of the Ministry of the Russian Federation for Taxes and Levies No. 44 in Moscow, No. 7744
   Reason for the change: State registration of amendments made to the constituent documents of a legal entity related to amendments to the information about the legal entity contained in the Unified State Register of Legal Entities, on the basis of an application
   Documents:
   - Р13001 Statement on changes to the constituent documents
   - Legal entity charter
   
   - PROTOCOL
8. Date: 06.01.2005
   GRN: 2057703020670
   Tax authority: Inspectorate of the Federal Tax Service No. 3 in Moscow., No. 7703
   Reason for the change:
9. Date: 31.03.2006
   GRN: 6067746151841
   Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
   Reason for the change:
10. Date: 09.11.2006
    GRN: 2067759416668
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Change of information about a legal entity contained in the Unified State Register of Legal Entities
    Documents:
    - APPLICATION (WITH ANNEXES)
    - ATTORNEY
    - STATEMENT
    - THE ENVELOPE
    - SCHEDULE
11. Date: 07.03.2007
    GRN: 8077746018991
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Change of information about a legal entity contained in the Unified State Register of Legal Entities
    Documents:
    - APPLICATION (WITH ANNEXES)
    - OTHER
12. Date: 25.06.2007
    GRN: 2077757144188
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Submission of information about the registration of a legal entity with a tax authority
13. Date: 25.06.2007
    GRN: 2077757144298
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Submission of information about the registration of a legal entity with a tax authority
14. Date: 05.06.2008
    GRN: 2087756221419
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: State registration of amendments made to the constituent documents of a legal entity related to amendments to the information about the legal entity contained in the Unified State Register of Legal Entities, on the basis of an application
    Documents:
    - APPLICATION (WITH ANNEXES)
    - CHARTER
    - ATTORNEY
    - THE ENVELOPE
    - LETTER
    - SCHEDULE
    - DOCUMENT ON PAYMENT OF STATE DUTIES
    
15. Date: 18.11.2009
    GRN: 7097748033673
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Change of information about a legal entity contained in the Unified State Register of Legal Entities
    Documents:
    - Р14001 APPLICATION FOR CHANGING INFORMATION NOT RELATED TO AMENDMENT INSTITUTIONAL DOCUMENTS (Clause 2.1)
    - CONV
16. Date: 21.12.2009
    GRN: 8097748706982
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: State registration of amendments made to the constituent documents of a legal entity related to amendments to the information about the legal entity contained in the Unified State Register of Legal Entities, on the basis of an application
    Documents:
    - Р13001 APPLICATION ON CHANGES MADE TO THE INSTITUTIONAL DOCUMENTS
    - DOCUMENT ON PAYMENT OF STATE DUTIES
    - CHARTER LE
    - DECISION ON AMENDMENTS TO THE CONSTITUTIONAL DOCUMENTS
    - COPY OF THE STATUTE
    - LETTER OF WARRANTY, COPY OF CERTIFICATE, LETTER, PAYMENT ORDER, ENVELOPE
17. Date: 09.02.2010
    GRN: 6107746926248
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Submission of information on the registration of a legal entity as an insured in the territorial body of the Pension Fund of the Russian Federation
18. Date: 25.02.2010
    GRN: 7107746565645
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Submission of information on the registration of a legal entity as an insured in the territorial body of the Pension Fund of the Russian Federation
19. Date: 05.08.2010
    GRN: 9107747921162
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: State registration of amendments made to the constituent documents of a legal entity related to amendments to the information about the legal entity contained in the Unified State Register of Legal Entities, on the basis of an application
    Documents:
    - Р13001 APPLICATION ON CHANGES MADE TO THE INSTITUTIONAL DOCUMENTS
    - DOCUMENT ON PAYMENT OF STATE DUTIES
    - CHARTER LE
    - DECISION ON AMENDMENTS TO THE CONSTITUTIONAL DOCUMENTS
    - CHARTER COPY
    - REQUEST, RECEIPT4739, ENVELOPE
20. Date: 20.06.2011
    GRN: 9117746433301
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: State registration of amendments made to the constituent documents of a legal entity related to amendments to the information about the legal entity contained in the Unified State Register of Legal Entities, on the basis of an application
    Documents:
    - Р13001 APPLICATION ON CHANGES MADE TO THE INSTITUTIONAL DOCUMENTS
    - DOCUMENT ON PAYMENT OF STATE DUTIES
    - CHARTER LE
    - DECISION ON AMENDMENTS TO THE CONSTITUTIONAL DOCUMENTS
    - COPIES OF THE REPORT, NOTICE
    - COPY OF STATUTES, REQUEST
    - PAYMENT DOCUMENT FOR PROVIDING INFORMATION CONTAINED IN THE STATE REGISTER
    - DOV-ST, CONV.
21. Date: 19.07.2012
    GRN: 2127747170791
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Submission by the licensing authority of information on the grant of a license
22. Date: 21.04.2014
    GRN: 8147746776356
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: State registration of amendments made to the constituent documents of a legal entity related to amendments to the information about the legal entity contained in the Unified State Register of Legal Entities, on the basis of an application
    Documents:
    - Р13001 APPLICATION ON CHANGES MADE TO THE INSTITUTIONAL DOCUMENTS
    - CHARTER LE
    - DOCUMENT ON PAYMENT OF STATE DUTIES
    
    - ATTORNEY
23. Date: 02.10.2014
    GRN: 9147747144206
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Change of information about a legal entity contained in the Unified State Register of Legal Entities
    Documents:
    - Р14001 APPLICATION FOR CHANGING INFORMATION NOT RELATED TO AMENDMENT INSTITUTIONAL DOCUMENTS (Clause 2.1)
    - ATTORNEY
24. Date: 23.03.2015
    GRN: 6157746986281
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: State registration of amendments made to the constituent documents of a legal entity related to amendments to the information about the legal entity contained in the Unified State Register of Legal Entities, on the basis of an application
    Documents:
    - Р13001 APPLICATION ON CHANGES MADE TO THE INSTITUTIONAL DOCUMENTS
    - CHARTER LE
    - DECISION ON AMENDMENTS TO THE CONSTITUTIONAL DOCUMENTS
    - COPY OF ST-VA
    - ATTORNEY
25. Date: 31.03.2015
    GRN: 7157746147970
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Amendments to the information about a legal entity contained in the Unified State Register of Legal Entities due to errors made by the registering authority
    Documents:
    - ACT
    - Decision to amend the Unified State Register of Legal Entities due to mistakes made
26. Date: 25.02.2016
    GRN: 6167746714118
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change:
27. Date: 25.02.2016
    GRN: 6167746715735
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Submission by the licensing authority of information on the renewal of documents confirming the existence of a license (information on the extension of the license validity period)
28. Date: 09.06.2016
    GRN: 7167747886442
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Changes to the information contained in the Unified State Register of Legal Entities in connection with the renaming (re-subordination) of address objects
29. Date: 09.09.2016
    GRN: 8167748582070
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change:
30. Date: 08.11.2016
    GRN: 2167750135331
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Change of information about a legal entity contained in the Unified State Register of Legal Entities
    Documents:
    - APPLICATION FORM P14001
    
31. Date: 20.01.2017
    GRN: 2177746458426
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Submission of information about the registration of a legal entity with a tax authority
32. Date: 30.01.2018
    GRN: 7187746226860
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Submission of information on the registration of a legal entity as an insured with the executive body of the Social Insurance Fund of the Russian Federation
33. Date: 14.02.2019
    GRN: 6197746872460
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: Change of information about a legal entity contained in the Unified State Register of Legal Entities
    Documents:
    - APPLICATION FORM P14001
34. Date: 26.06.2019
    GRN: 8197747325933
    Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 in Moscow, No. 7746
    Reason for the change: State registration of amendments made to the constituent documents of a legal entity related to amendments to the information about the legal entity contained in the Unified State Register of Legal Entities, on the basis of an application
    Documents:
    - Р13001 APPLICATION ON CHANGES MADE TO THE INSTITUTIONAL DOCUMENTS
    - DOCUMENT ON PAYMENT OF STATE DUTIES
    - CHARTER LE
    - MINUTES OF THE GENERAL MEETING OF PARTICIPANTS OF LE
    - ANOTHER DOCUMENT. IN ACCORDANCE WITH THE LEGISLATION OF THE RF

The services of various financial organizations are becoming more and more relevant and in demand. More and more consumer loans and credit lines are taken, deposits are opened, property, life and health are insured. Auto insurance is absolutely mandatory for all vehicle owners. Public transport drivers are required to insure not only themselves and their car, but also the safety of passengers. And when you choose a company that will compensate for the damage in the event of an insured event, you should carefully consider the candidates present in this segment of the service market. It is important to choose an organization with a good long history in order to protect yourself from fly-by-night firms that will not bring any benefit. In this article we will pay attention to such a giant in the field of financial transactions in the Russian service market as Russian Standard Insurance.

Bank history

Russian Standard Insurance Bank began its history in 1999. At the moment, it has been operating for 17 years. This is a rather long time, during which he managed to establish himself as a reliable partner. At the moment Russian Standard Insurance is one of the leading and largest financial institutions in the country. Great attention is paid to corporate ethics and discipline, since communication with clients in the appropriate form is one of the most important conditions for the existence and functioning of a successful organization. New offers, programs and products are constantly being developed. The bank does not remain conservative in terms of its range of services. Constant expansion of the list, innovations, which have not yet reached the competing structures, push "Russian Standard Insurance" to the home stretch with a huge head start for the rest. The bank is loyal to its clients, treats life situations and needs with understanding. Therefore, you can count on him in case of difficulties with the financial situation. Below we will analyze the bank's programs in more detail.

Loans

One of the largest areas of activity of any financial institution is lending to individuals and legal entities. Accordingly, this area brings a large share of the profit. For individuals, lending is provided in the amount of three to three hundred thousand rubles. The terms of the loan can be from three to twenty four months. An application is considered from a few seconds to three days. Basically, thirty minutes are enough to obtain approval or refusal of a loan. Interest rates - from 20 to 46 percent of the amount.

Contributions

At the moment, the bank offers about five deposit programs with different conditions. Among them there are replenished, with the possibility of withdrawing interest, with the accrual of interest on the deposit monthly, quarterly or at the end of the term. They also differ in terms: funds can be placed for a period from three months to two years. Interest rates on deposits range from eight percent to fourteen percent. In addition, Russian Standard is included in the deposit insurance system, which will allow avoiding losses in unforeseen situations. Placing temporarily free funds is a wise decision that will prevent depreciation of savings and provide a small but stable income. Besides, keeping money in a bank is much safer than at home.

Credit and debit cards

Credit and debit cards are a separate part of the services of banking organizations. At the moment, there are so many varieties of plastic cards that it is easy to get confused in them. Each of them has its own benefits and bonuses, which is good news. The bank provides its regular customers with a reduced rate on credit lines, reduces the amount of annual service, and also often raffles all kinds of prizes. There is also the concept of "cashback". It means that part of the amount spent is returned to its owner in the form of bonuses that can be spent on various needs and items in the stores of the program partners. There are so-called travel cards. Their plus is that the spent rubles are converted into the possibility of getting air tickets with big discounts or even free of charge. These cards are used to quickly convert currencies, which is convenient when traveling abroad. In addition, there is a separate program for the owners of such financial instruments, which is offered by Russian Standard Insurance CJSC. Reviews of travelers allow us to conclude that with such a card you feel much calmer and easier when going on trips, to resorts or on business trips.

And what about insurance?

"Russian Standard": deposit insurance system

The deposit insurance system is a guarantee of the return of funds deposited by individuals and legal entities in the event of the termination of a credit institution. That is, if the bank's license is revoked, the depositor will receive back his savings, without waiting for the liquidation of the financial institution and the sale of its property. The Deposit Insurance Agency (DIA) deals with the issues of returning funds. All banks included in this system automatically insure their clients. No additional agreement is required for this. Compensation for all accounts and deposits in one bank is made in an amount not exceeding 1,400,000 rubles.

Russian Standard Bank also implies deposit insurance. It is very important when choosing a location for placing funds to track whether the organization is connected to this program. Recently, with the change in the policy of the Ministry of Finance of the Russian Federation, many banks were caught in dubious activities and deprived of the corresponding license. Those depositors who wisely applied to banks with insurance support received their funds back, while others were much less fortunate. And to lose what is beyond your strength is always not the most pleasant event. However, the clients of the structure we are considering have nothing to worry about: Russian Standard Bank was one of the first to connect deposit insurance.

There are two possible options for an insured event, in which a payment is made to depositors: the first is the cancellation of the license issued by the Bank of Russia to carry out banking operations, the second is the introduction by the Bank of Russia of a ban on the satisfaction of creditors' claims. In these cases, the depositor must submit documents to the DIA. Payments to depositors begin within three business days after this action.

There are also exceptions. Russian Standard Bank does not take into account some cases in the deposit insurance system. Among them: bearer deposits, funds and accounts of lawyers and notaries, funds in trust, deposits in foreign branches, money transfers for which no account has been opened, metal accounts and electronic money. In other cases, Russian Standard supports deposit insurance.

Types of insurance

Russian Standard Insurance CJSC is a reliable partner that will protect its clients from unpleasant losses in various spheres of life. Insurance is one of the most popular and promising areas in the financial sector. Cases in human life are different, and their consequences sometimes leave people on the verge of life and existence. It is clear that at the moment, without any confidence in tomorrow, and even today, there can be no talk of financial stability. To prevent most of the unpleasant consequences, Russian Standard Insurance JSC offers its clients various convenient programs. The range of offers includes life and health insurance, property insurance, disability insurance and auto insurance (OSAGO, voluntary insurance against theft, various kinds of damage or theft). But that's not all. The narrow-profile offers include business insurance, financial risks, and lending. Let's dwell on the most popular programs.

Life and health insurance

Each citizen must have compulsory health insurance issued accordingly. This is the same policy that we all take with us when we go to the clinic to see a therapist, any other specialist, to a dentist, and with which we go to the hospital for examination or treatment. However, this document is often not enough. Yes, with it you can get free medical care in government clinics and hospitals, but nothing more. Moreover, even in municipal institutions, it does not cover all services. For other cases, there is a special insurance program for Russian Standard Bank clients.

There are several types of obligations that the policyholder undertakes. For example, in life insurance, in the event of an accident, the relatives and heirs of the victim will receive material compensation in the amount specified in the contract. Money, of course, will not return a dear person. But on the other hand, you can be sure that the children or spouse will not need it for some time. This is especially true if the insured is the only breadwinner in the family.

In addition, by insuring your health, you can get an additional amount to hospital payments from the place of work. Often, this money is not even enough to live during the period of illness, and what can we say about the purchase of expensive medicines and quality treatment. But insured persons are unlikely to face the fate of counting a penny during a difficult period of illness. And if the healing process is delayed or a serious injury has been received that requires rehabilitation and rest for a long time? The situation on the labor market suggests that most people work without observing the rules of labor legislation and even without relevant contracts. A sick employee can simply be fired without waiting for his recovery. And what will the family be for in this situation? Alternatively - for the money paid by the SK. Russian Standard has made life insurance one of its leading programs of this kind.

Property insurance

All people diligently save up funds, buy real estate, expensive furniture, vehicles. Everyone is trying to arrange their own cozy corner where they want to come after a working day. All the property that is in our apartments is worth a lot of money, and a lot of our precious life was spent on their earnings. But nobody is insured against accidents. Flooded neighbors - new renovation did not please the eye for too long; fire due to a malfunction of the gas system - again you will have to work hard to bring your home into at least some semblance of a normal human apartment ... Various force majeure circumstances sometimes deprive us of everything that has been accumulated, purchased, built. And to start such hard work from the very beginning is not a pleasant prospect. Exit - contacting the bank "Russian Standard Insurance". Having insured your property, you will not be afraid to be left without a roof over your head or without personal items that are not so necessary, but dear to your heart. Property insurance allows you to protect yourself from theft, fire, flood, floods, and many natural phenomena.

Auto insurance

Various types of auto insurance are offered by many banks, including Russian Standard. The insurance program in this case is very typical. The fact is that the mentioned service is of the obligatory type. In any case, OSAGO. Every car owner is obliged to insure his vehicle in case of harm to pedestrians or other car owners. A car is a transport of increased danger, it is impossible to predict what the next trip may turn out to be. Moreover, there is a human factor, and a person, as you know, is not a perfect being, he can fall asleep, lose vigilance, just not notice something. Yes, and openly violate, realizing his actions, he can also.

The second type of car insurance is CASCO. In some cases this insurance may be voluntary, in others it is compulsory. On his own initiative, the client can conclude a CASCO agreement with the insurance company if he is worried about the safety of his car, his driving skills, and so on. The difference between CASCO and OSAGO is that in case of compulsory insurance upon the occurrence of an insured event, the amount of payment is limited by the terms of the contract. In addition, this type of insurance does not apply to situations when the insured person was the culprit of the accident or when the examination confirmed alcohol or drug intoxication and other factors that prohibit driving a vehicle. In addition, OSAGO does not apply to breaking and stealing a car. CASCO insures against all of the above situations. There are times when the presence of such an agreement is a requirement of a car dealership or a creditor bank, if a new car is bought on credit or by installments.

Travel insurance

This program is compulsory for tour operators and desirable for single travelers and tourists, as well as those who are often traveling around the country and abroad. This program is also offered by Russian Standard Insurance. Traveler reviews confirm that it is better to be safe from unnecessary troubles when leaving. During trips, both entertainment and business, unforeseen incidents can occur: exotic diseases, injuries, deception of guides, hotel owners, disruption of air travel, and so on. Depending on the structure of the insurance contract, the company can reimburse the victim for expenses and moral damage received during an unsuccessful trip.

Insurance contract structure

Each credit and insurance company has its own version of the contract, however, the general features, clauses and provisions should be the same. This also applies to the Russian Standard Bank. The insurance contract must include the following mandatory clauses:

• Information of the insurer, policyholder and insured person. The first is an insurance company. The second is the one who acts as the person who pays the insurance premium. The third is the one who is insured against any unpleasant events. The last two may be different persons. For example, parent and child, transport company and driver, and so on.
• The subject of the agreement is the basis on which the agreement was concluded.
• Insurance conditions. The insured persons or property are listed here, the amount for which the person is insured, the amount of the premium, the frequency of payment of premiums, the circumstances under which the insured event occurs, the circumstances to which the contract does not apply.
• Rights and obligations of the parties. All obligations of the parties to each other are listed here, as well as ways of proving the occurrence of an insured event.

An annex can be made to the contract with the specification of insured events and their payment by the insurance company, depending on the severity of the damage.

"Russian Standard Insurance": reviews

Insurance can become both a positive event in the future, and a negative one, leaving negative impressions. This applies not only to Russian Standard Insurance. Customer reviews suggest that it takes a long time to prove your case and is rather tedious. This is how the bureaucratic system of our country works. In controversial situations, the case has to be brought to court. Each insurance company tries to protect itself from fraudsters, of which there are a lot in this area. Too many people are trying to cheat the system and get insurance payments without the occurrence of an insured event as such. And yet, as practice and reviews show, if no controversial situations arise, and all documents are collected and correctly executed, the insurance company will easily pay the money owed to the insured.

What you need to remember when concluding a contract

Concluding an insurance contract is a serious process. You cannot mindlessly put a signature at the end of the sheet without reading its contents. People working in insurance companies are the same sales managers. They just need to conclude as many contracts with people as possible in order to receive a decent salary. And by what method they will conclude this agreement, they do not particularly care. Therefore, a significant portion of important information for the client may simply not be announced. But it should be written on paper according to the law. So the most important rule is to read it. As an insured person, you must be aware of what exactly you are insuring against, what force majeure circumstances are not included in the list of insured events, what actions involve termination of the contract, and also what amounts of indemnities you are entitled to rely on in different life situations. If the SK refuses to pay you, you have the right to go to court. Fortunately, the courts are more likely to satisfy the claims of clients of insurance companies, since the desire of the latter to save money has already become the talk of the town.

JSC Russian Standard Insurance is a medium-sized company that specializes in life and personal insurance. The company is part of Rustam Tariko's Russian Standard holding. At the end of 2017, the company took 31st place in terms of the amount of collected insurance premiums among Russian insurers, 13th place in terms of collections in the life insurance segment and 21st place in terms of insurance against accidents and illnesses. Insurance products are sold primarily to bank borrowers through Russian Standard Bank offices throughout Russia. There are no own branches and representative offices. The company's head office is located in Moscow.

Russian Standard Insurance was established in 2003 by a large Russian Standard bank to insure the life of borrowers of consumer loans. A month after receiving a license, 25% of the shares of the newly created insurer were bought by one of the largest French insurance companies Cardif, specializing in life and pension insurance (part of one of the largest European financial groups BNP Paribas). The boom in consumer lending has boosted the insurer's business.

At the end of 2007, Russian Standard Insurance was among the top 30 largest players in the insurance market (3.9 billion rubles in insurance premiums) and was the second largest life insurer. In the same year, Cardif sold its 25% stake in Russian Standard Insurance to the Russian Standard group (the reason for the sale was the close connection of the insurer's business with the Russian Standard Bank, because of which Cardif could not cooperate with other banks; subsequently Cardif created its own insurer). The amount of the deal was estimated at $ 10-20 million.

In 2011, Russian Standard Insurance entered the pension insurance market by purchasing the non-state pension fund Initiative (this fund, later renamed the Russian Standard NPF, did not operate before the transaction). In 2012-2013, when the credit insurance segment was the driver of the Russian insurance market, the company continued to grow its business in partnership with Russian Standard Bank, ranking 22nd and 26th respectively among the largest insurers.

The company currently specializes in life insurance, accident and health insurance, and voluntary health insurance.

Russian Standard Insurance JSC is a member of the All-Russian Union of Insurers, the Association of European Business in Russia, and the Association of Life Insurers.

The main shareholder of the company is Russian Standard-Invest LLC, which owns 99.99% of the shares. The remaining 0.001% of shares are owned by Russian Standard Bank JSC. Both companies are members of the Russian Standard Group *, the majority shareholder of which is Rust Trading Limited. The ultimate controlling party of the Russian Standard Group is Rustam Tariko. The company owns 100% of the authorized capital of LLC Financial Consultant. The main activity of Financial Consultant LLC is ancillary activity in the field of insurance and non-state pension provision and other auxiliary services for business.

In 2012, the company achieved an 83.27% increase in fees compared to the previous reporting year, collecting 8.14 billion rubles in premiums (the best position in the rack). Subsequent years were marked by a significant reduction in the volume of receipts: in 2013-2014 - by 13.69% and 58.38%, respectively, and by the end of 2015 - by 48.86%. Over the next two years, the company has shown a steady increase in fees. In 2016, the volume of receipts increased by 42.5% (collected 2.13 billion rubles; 60th place in the ranking), and by the end of 2017 - almost three times, reaching 6.16 billion rubles. In the structure of fees, the share of premiums under contracts with individuals amounted to 89.59%, with legal entities - 10.41%. In 2017, the company sold its products in 71 cities of Russia, while almost 37% of collected insurance premiums were collected in Moscow. Payments to the company in the past year amounted to 82.78 million rubles, the level of payments - 1.34%. In the first half of 2018, the insurer received 2.88 billion rubles of premiums, which is 2.53% less than in the same period of the previous year (in 2017 - 2.95 billion rubles). The amount of payments for this period amounted to 41.03 million rubles, the level of payments - 1.43%.

At the end of 2017, the company's insurance portfolio includes contributions for life insurance (78.35%), insurance against accidents and illnesses (15.53%) and voluntary medical insurance (6.12%).

In 2017, with the help of intermediaries, the insurer collected 5.5 billion rubles (89.14%), the average agency fee was 14.26%.

In 2017, the insurer received 154.25 million rubles of net profit under RAS against a loss of 334.03 million rubles a year earlier. According to the consolidated financial statements in accordance with IFRS, the total income of the company and its subsidiary in 2017 reached 1.3 billion rubles, which is more than 4 times higher than in the previous year (in 2016 - 312.06 million rubles).

According to the individual reporting of the insurer for 2017, the number of regular staff was 165, the number of legal entities - 28, insurance agents - individuals - 7.

Expert RA confirmed the company's reliability rating at B ++ “Satisfactory level of reliability” and withdrew it due to expiration (date of event - June 20, 2016). A negative outlook was set before the rating recall.

Manual:Mikhail Kopitaiko (General Director), Ilya Shcherbakov, Yulia Alekhina.

Partner bank: Russian Standard Bank JSC.

The company's clients are about 2 million citizens throughout Russia.

* Russian Standard Group is a financial and industrial group engaged in the production and distribution of alcoholic beverages, as well as the provision of banking, insurance and other financial services. The group was founded in 1992 by the leading Russian businessman Rustam Tariko. The number of employees is over 30 thousand employees. The Group's members are also Banking Insurance Company LLC (insuring financial risks of individuals), Russian Standard Bank JSC, Russian Standard NPF, Russian Standard Credit Bureau, Imperia Private Banking (private banking services), Russian Standard Vodka "(production and distribution of alcoholic beverages) and other companies. The Group's financial performance has not been disclosed.

In order to issue a policy, you need to go to and perform the following actions:

1. Data input about the country of travel, travel dates and the number of insured persons.
2. Choosing an insurance programand additional options.
3. Make an online paymentin any available way:
   • plastic cards of any issuing banks;
   • payment systems Yandex.Money, WebMoney, Qiwi, Alfa-Click.
4. Obtaining a policyby e-mail.

Insurance policy together with traveler's memo is sent to the specified email address in PDF format... The policy is certified by an electronic digital signature and has full legal force. It is sufficient to be presented to the consulate of any state when applying for a visa.

Example of travel insurance policy and insurance conditions

About Russian Standard Insurance Company

Russian Standard Insurance is a joint stock company, a universal insurer at the federal level. Ranked 29th by RAEX in the list of reliable insurance companies.

Provides services to individuals and legal entities, offering favorable terms of cooperation. It has branches and representative offices in large regions of Russia.

The service portfolio includes 40 basic individual and comprehensive insurance programs, the main of which are:

For individuals:

• travels;
• motor transport;
• health and life;
• property;
• job loss;
• protection of children.

For legal entities:

• motor transport;
• property;
• professional;
• liability Insurance.

Rating of the insurance company "Russian Standard"

According to the analytical center "Expert" in 2015 it entered the TOP-100 of the best insurance companies in the Urals and Siberia. At the end of 2015, Russian Standard Insurance Company took the following places:

• 19 - motor vehicle insurance (CASCO);
• 19 - insurance against accidents;
• 19 - the amount of collected insurance premium;
• 7 - death insurance.

Insurance company "Russian Standard" is included in the list of the largest insurance companies:

Clients of the insurance company "Russian Standard"

The company's regional network covers 57 regions of Russia. The central office is represented in Moscow. Purchase of insurance products is possible in all branches of Russian Standard Bank JSC. The company's clients are more than two million individuals and more than 1000 legal entities:

• JSC "Zarubezhstroytechnology";
• Armada SOFT CJSC;
• OOO Dannemann Cigarenfabrik GmbH;
• LLC "BRENNTAG".

Guarantees of the insurance company "Russian Standard"

In 2011, the authorized capital was increased to 240.038 million rubles by minimizing costs. Own funds - 322 million, insurance reserve - 756 million rubles. Reinsurance of obligations is provided by "Moscow Reinsurance Company".

Licenses:

Products (services) of the insurance company "Russian Standard"

• Travel insurance... The Russian Standard insurance program is intended for people traveling abroad. Provides for the provision of qualified medical care, hospitalization and the purchase of medicines in the event of injury of any severity as a result of an accident, an acute course of the disease, exacerbation of chronic diseases and death. The insurance also includes medical evacuation and posthumous repatriation to the place of permanent residence.

  The international service company AP Companies provides medical, transport and legal assistance.

• "Your right"... Policy "Russian Standard" provides protection of property interests in case of unforeseen expenses for legal support (appraisers, experts, lawyers, attorneys). Includes 24/7 comprehensive legal protection.
• Accident insurance... The policy of the Russian Standard insurance company compensates for the costs of medical care, hospitalization, outpatient treatment and prescribed drugs for the child, and wage losses as a result of a sick leave.
• Travel insurance in Russia... Russian Standard provides a full range of medical, legal and advisory services to persons traveling in Russia - foreign citizens and Russians who move more than 100 km from their place of permanent residence. Qualified medical care includes the services of doctors, diagnostics and, if necessary, hospitalization as a result of harm to health.

What determines the cost of insurance company "Russian Standard"

The cost of insurance depends on the territory and duration of the trip. coverage, where it is taken into account, including:

• when included in the policy of young children (up to 1 year old) and pensioners (over 60 years old);
• when connecting additional options - insurance of baggage, cancellation or delay of flights, legal assistance and liability to third parties.

Insurance calculator for persons traveling abroad

With the help of the online calculator, you can calculate the cost of the policy of the Russian Standard insurance company, select the insurance program you are interested in and compare the cost of the Russian Standard policy with other insurance companies.