A timely issued insurance policy allows you to avoid many problems in the future. But the question arises, in which bank you can issue a policy with more favorable conditions for yourself. The choice is obvious! Sberbank, the largest and most reliable bank in Russia, offers many insurance programs. One of the services most in demand among the population today is Life Insurance from Sberbank.

On the new website of sk sberbank life insurance, several types of contracts are proposed, which will be discussed further.

Protection of loved ones

• Fractures of the bones of the body;
• with chemical and thermal burns;
• when receiving serious injuries;
• with frostbite.

Also, a life insurance contract at Sberbank implies a payment when a loved one dies due to an accident or a railway accident.

Each program of the treaty for the protection of loved ones includes certain required elements, such as the:

• The amount of a one-time fee;
• the sum insured;
• a list of persons to whom compensation applies.

Separately, there are three categories of close relatives for whom you can draw up a life insurance contract:

• Children under 24;
• spouses from 18 to 65 years;
• parents, aged 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 risk of "Injury" within the limits of 100,000, 200,000 and 500,000 rubles.

Separately, there is a service called "Protection of relatives plus", which provides customers with slightly different conditions for issuing a policy.

Head of family

Life and health insurance of 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 emerging problems. The policy in this case allows you to maintain 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 such conditions as:

• 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:

• Quick execution of the contract;
• the need to provide only a client's passport;
• choice of different levels of insurance premium;
• policy action around 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 kind of accident is an important task that should not be neglected. The price of the issue is insignificant compared to the guarantee of financial security of loved ones. Sberbank life insurance is a reliable tool for protecting loved ones.

There are several categories of those who may fall under the scope of the family protection policy:

• Spouses (from 18 to 70 years old);
• children (from 2 to 50 years);
• grandchildren (from 2 to 30 years).

The insurance is issued for one year. After this period, it is possible to prolong the contract between the bank and the client.

Each family protection category has its own insurance conditions. This applies to the amount of payment and monthly insurance premium. Payment can be made in the personal account of Sberbank Insurance on the official website. After signing the contract, access to Personal Area.

Safety bag

Such an unusual name of 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 boils down to the fact that by paying the minimum premium for insurance, you receive many times the amount of payment in the event of an insured event.

To choose this insurance program, you need to decide:

1. What period of validity of insurance to choose - (the program provides for a period of 5 to 30 years);
2. The required amount of financial protection - about 2-3 annual incomes is considered the best option;
3. Determine for yourself the frequency of payments for insurance (once a year, or monthly).

Sberbank has identified insurance risks under which a client can receive a payout. These include the following events:

• Getting injured as a result of an accident;
• acquisition of disability of the first or second group;
• fatal accident;
• death due to an accident with any type of transport.

Important!

The personal account of Sberbank Life Insurance allows you to track the necessary information under the contract. and make payments for 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 (TC of Russia, art. 219 from 01/01/2015)

Corporate insurance program

In Sberbank, you can select special kind insurance to protect employees of enterprises from injuries and other accidents.

The corporate insurance program allows the employee to gain confidence in the future. The registration process consists of several points:

1. Familiarization with various options for insurance programs, as well as choosing the most suitable one;
2. Determination of the amount of financial protection of an employee (from 100 thousand to 1 million rubles);
3. Signing of all documents;
4. Service payment.

This contract provides for insurance either for all employees of the company, or for several (more than 10). There are also certain tax incentives.

For example: sums insured received upon the occurrence of an insured 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 issue a policy on various conditions in relation to both yourself and your relatives or employees of the enterprise. Feedback on this service is mostly positive, due to the fact that the bank constantly and fully fulfills its obligations.

Life insurance in Sberbank is a service that can be issued around the clock. Next, we will talk about what services exist and how to get into the system.

Personal account for citizens

https://sberinsurance-online.ru/webmvc/login/login.

In the system, users can view information, make payments under accumulative and investment life insurance contracts.

How to register in the system

• Name as specified in the contract.
• Next, you will need to specify what type of program you are using. It can be a savings or investment product. You will also need the contract number: you must enter all the numbers and letters in full.
• Mail will be required. The address must be accurate, as alerts will be sent there.
• You need a valid number mobile phone.
• The last step is to create a username and password. If your login details are lost in the future, they can be restored fairly quickly.

Types of life insurance

• This product from a financial institution will allow you to protect the family in case unforeseen circumstances occur with the health of the head of the family.
• You can insure loved ones to protect against all sorts of risks.
• Product "Protection of relatives plus" includes protection against fractures, burns, frostbite, severe wounds.

The above program from Sberbank applies to the following categories of the population:

1. For children. Age is taken into account from 2 to 50 years.
2. For spouses. Their age can vary from 18 to 70 years.
3. On parents. Age up to seventy years.
4. For grandchildren. Their age can be from two to thirty years.

There is also a program called Family Protection. It protects against the following risks:

• Burns.
• Frostbite.
• Fractures and severe wounds.

• Spouses from 18 to 70 years old.
• Grandchildren, whose age is from 2 to 30 days.
• Children whose age ranges from 2 to 50 years.

To apply for such a program, you only need a passport. Moreover, the client independently chooses the level of insurance premium and a set of risks. The insurance cover operates around the clock.

Sberbank has been operating for a long time and offers its customers many different services. In addition to lending and mortgages, the direction of life and property insurance has recently been developing.

In 2014, a separate company, Sberbank insurance, appeared. It has a high financial rating in the market and an authorized capital of 490 million rubles.

Sberbank insurance has its own website.

After the conclusion of the contract, each user is given a login and password to enter his personal account. There you can get information about the insurance product, as well as make payments. The service is very convenient.

Hotline phone

8 800 555 555 7 a single hotline operating around the clock for residents of the regions.

8 499 707 07 37 hotline number for Moscow residents.

A call to the hotline is free, regardless of which city you call from.

What can be found out by phone?

The hotline can be used not only by Sberbank clients, but also by employees, including confidentially. By calling the hotline you can:

• leave a complaint against Sberbank employees who violate corporate standards;
• talk about cases of corrupt behavior at Sberbank;
• learn about life insurance programs at Sberbank;
• find out the expiration date of the insurance contract;
• learn how to activate a new insurance policy on the site online;
• find out what documents are needed to receive payment in case of an insured event.

In what case can support not be able to help?

The hotline most often provides information assistance to its customers.

In the event of an insured event, you can call the line to find out your next steps, but a visit to the service office is necessary.

Other contact methods

An alternative method of communication is email. By writing to the address [email protected] you can leave your question. All letters are processed by employees individually, personal data of clients is protected.

Another way to contact is in the contact section. There is a feedback form.

You need to leave the client's personal data, mobile phone number and a convenient time to call. Sberbank insurance employees will call you back at a convenient time. There you can also contact the top management of the company.

In addition, you can contact the company via Skype, directly from the official website,

Operator Competence and Response Time

Sberbank insurance specialists are very competent in their field. They answer all customer questions, explaining the smallest details. Customers are satisfied with such service and use the line on a permanent basis.

Problem solved!

A year ago, I registered in my account on the Sberbank Insurance website, I have “Protected Borrower” mortgage insurance. This year it’s time to renew the insurance, I can’t enter the office, I can’t restore access, because. the system does not find my phone number or address Email. Support also says they can't find my registration information. The duty phrase is "technical failure". Those. data is lost and no one is responsible for it? This year I wanted to try to conclude a mortgage insurance contract through my personal account on the site, but who will guarantee that my contract will not be lost, and I won’t hear the magic phrase “technical failure”, which, apparently, should explain everything. And separate question about the work of "feedback" on the site. After all the negotiations, I used the "feedback" service to create an application for the problem that had arisen. After the message that the application was created, I was not provided with information either about the number of the application, or about its status, or about the timing of the application. No messages about the status of the application were received either by phone or by mail.