The insurance rate for the borrowers' life insurance program starts from 0.22% of the sum insured, which is set based on the amount of obligations to the creditor.
For co-borrowers, the tariff is slightly lower - 0.135% of the sum insured. The age of the insured must be at least 18 years old or no more than 55-60 years old at the end of the loan payment.
The insurer agrees to conclude the contract if:
- the insured did not suffer a stroke;
- does not have oncological diseases, coronary heart disease (myocardial infarction, angina pectoris), liver cirrhosis;
- is not a disabled person of 1, 2 or 3 groups.
You can issue a policy separately or by concluding a comprehensive insurance contract, that is, by simultaneously purchasing three insurances: property, life and title (loss of ownership of housing).
If an insured event occurs, for example, disability group 1 or 2 occurs, the insurer undertakes to pay up to 75-100% of the sum insured. The full amount is also paid in the event of the death of the insured – to his heirs. In case of disability, earnings for the entire period of treatment and additional expenses necessary to restore health are also compensated.
The insurer may require the client to undergo a medical examination if, based on the results of consideration of his application form, it turns out that he suffered from various diseases in the past.
What cases are considered insured?
Borrowers are insured against the main risks, as a result of which they may lose their ability to work (temporarily or permanently) or even lose their lives.
Insured events:
- obtaining disability of I or II group as a result of injuries, mutilations, diseases;
- temporary disability after an accident or illness;
- death of the borrower due to an accident or illness.
In case of illness, the insurer compensates for a part of the loan payment proportional to the period of sick leave, in case of complete disability or death - the entire balance of the loan debt.
But, if the insured event occurred as a result of alcohol or drug intoxication, during the commission of a crime (for example, a deliberate accident) or driving a car without a license, no payments will be made.
Life insurance has many limitations.. Before drawing up a contract, it is worth reading in it what events the insurer will not consider insurance and when it has the right to refuse to pay compensation.
What banks does he work with?
IC Ingosstrakh is included in the list of accredited companies of all leaders mortgage lending. For example, you can buy insurance by getting a loan from Uralsib, Otkritie, Svyaz-Bank, VTB, and other banks.
What do tariffs depend on?
The promotional policy of the company also affects the tariff rate (you can get a discount), as well as insurance history– receiving life insurance payments in the past (this increases the cost of insurance).
How to calculate the cost?
The life insurance tariff is calculated in accordance with its calculation methodology. The cost of the policy is set on the basis of the basic tariff rates, taking into account the adjustment increasing or decreasing coefficients.
The insurance premium is equal to the product insurance rate specified in the policy and the sum insured as of the date of commencement of the insurance contract.
How much does insurance cost: calculation example
Insurance calculation example: If the borrower has mortgage in the amount of 1.5 million rubles, then in order to determine the amount insurance payment you need to take the tariff specified in the contract and multiply it by the amount of the debt and divide by one hundred. Thus, the cost of insurance will be: 1.5 million rubles x 0.22/100 = 3300 rubles (per year).
This is the easiest calculation option when the insurer has already announced the tariff. If it is unknown, then it will be quite difficult to make calculations on your own, since customers do not know the table of correction factors, and often the base rates of the insurer. The easiest way is to seek help from an insurance manager who will help determine the cost of insurance.
Procedure for issuing a policy
Getting a life insurance policy for a borrower is quite simple. You need to contact any of the branches of the insurance company with a copy of your passport and other documents.
The policy process includes:
1. Fill out an application for a policy.
2. Transfer the collected package of documents to the insurer.
3. Read the Rules of insurance.
4. Sign an insurance contract.
5. Pay for the policy in any convenient way.
The application for insurance indicates all information about health, age, gender, previous injuries, chronic diseases, occupation.
You can pay for insurance at the office of the insurer or by transfer to his account according to the details specified in the contract. The contract is for a year and will need to be renewed every year.
In IC "Ingosstrakh" there is an opportunity to do this through your Personal Area Online . You can also pay by card there.
What documents do you need to provide?
What to do if there is damage to health?
On the onset insured event it is important to remain calm and perform all actions stipulated by the agreement insurance.
If there is a health risk,:
- Call an ambulance.
- Call the police, the traffic police, the Ministry of Emergency Situations (if there was an attack, an accident, a natural disaster, etc.), an insurance company.
- Report within 30 calendar days insured event to the insurer.
- Collect and submit the necessary documents to the insurance company.
- Get paid.
All documents submitted to the insurance company (certificates, conclusions) must be in the form of certified copies or originals. The insured person has the right to apply, confidant or heirs of the deceased.
The decision on the insurance payment is usually made within a month. But the company may request additional documents, which may slightly increase the waiting time for payments.
What is required to receive payments?
To receive a payment, you need to provide a large package of documents. Their type depends on the cause of death or disability, disability. For example, if the accident occurred in a plane crash, then an act drawn up by the carrier will be required. If the reason is an attack by other persons, then the decision to initiate a criminal case and other documents.
The insured or his heirs must present:
- application for payment;
- original death certificate or notarized copy (in case of death);
- death certificate from the registry office or a copy (extract) of the final part of the forensic medical examination report;
- a copy of the Work Accident Report or a copy of the Accident Investigation Report on the way to/from work;
- the original or a copy of the Accident Report certified by the transport company;
- original document (Decree on the initiation / refusal to initiate a criminal case, certificate of an accident);
- copy medical card about the injury/illness that led to the establishment of disability;
- post-mortem epicrisis, if death occurred in a hospital or discharge epicrisis;
- certificate of examination of the ITU, certificate of disability.
In case of temporary disability, you will also need copies of closed disability certificates.
From the submitted documents, the insurer must understand all the circumstances of the declared case, the full diagnosis, the time of the beginning and end of treatment, the results of all studies carried out, the period of temporary disability.
Copies of receipts for treatment and rehabilitation from medical institutions must be attached to the application. The insurer has the right, on the basis of the documents provided, to conduct an examination, establish the facts, find out the causes and circumstances of the event.
Mortgage borrowers on a voluntary basis can buy life and disability risk insurance (temporary or permanent). This will help them cope with loan repayments if they are unable to perform their work responsibilities due to illness or accident. With the onset of disability groups 1 and 2, the amount of payments can reach 75-100% of the loan amount.
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Established in 2003, the insurance company Ingosstrakh-life not only has the highest reliability rating of A ++, but also has a “Quality Mark” rating from the NAFI analytics center. Behind financial obligations The organization is held liable by its reinsurers - the world-class companies Partner RE, Generali Group, MAPFRE RE, VIG RE and SK Ingosstrakh. For private clients, the company offers registration of investment and accumulative life insurance.
Notation used
- ILI - investment insurance life;
- NSZH - accumulative life insurance;
- ZL - the insured person;
- LP - any reason;
- NS - accident;
- UI - the establishment of disability.
Investment life insurance
Ingosstrakh-life offers only one ILI option - Vector. The start of sales of policies began in 2015.
Program "Vector"
The company divides the funds placed by the client into 2 parts:
- guarantee fund - the presence of this part provides a guarantee of the return of the entire amount transferred for insurance at the end of the policy due to the fact that money is invested in deposits and bonds with high reliability;
- risky part - brings profit to the investor at the end of the policy by placing funds in instruments with a high predicted yield.
Options:
- opens in rubles or dollars;
- the fee is paid in one lump sum;
- minimum amount placement - 50 thousand rubles;
- the contract can be concluded with a contributor aged 18 years old on the opening date and up to 85 years old on the program end date;
- the direction of investment is chosen by the investor;
- at the end of the policy, the depositor's contribution is guaranteed to be returned in full;
- the contract opens for 3 or 5 years;
- when a client passes away after an accident, the payment reaches 200%, and in case of an accident - 300%.
You can open the program both in the insurance itself and through agents, for example, UniCredit or Promsvyazbank. Depending on conditions agency agreement conditions for issuing a policy and investment strategies may vary.
Cumulative life insurance
Depending on the needs and goals of the client, Ingosstrakh-life offers 5 options for life insurance:
- "Guarantee";
- "Horizon";
- "Axiom";
- "Capital";
- "Golden Key".
All programs earn a basic investment income.
Guarantee
Characteristic:
- ZL - contributor aged 18 to 65;
- term - from 5 to 35 years.
Main risks:
- surviving until the end of the contract;
- death under the LP during the validity of the policy.
Additional opportunities and risks:
- payment for diagnosing critical illnesses;
- payment upon death or UI (1st or 2nd group) as a result of NA;
- payment of rent for IA of the 1st or 2nd group (regardless of the reason);
- additional (in addition to the insurance payment) annuity upon death.
Horizon
Suitable for clients who create savings for a family member who cannot be insured, for example, for health reasons. The peculiarity of the contract is that on the date specified in the policy, sum insured(regardless of whether the insured has lived up to this point or not).
Registration parameters, main and additional risks correspond to the Garant program.
Capital
The program is designed for clients who are interested in forming an inheritance for loved ones with the opportunity to use the amount if necessary.
Characteristic:
- ZL - contributor aged 18 to 75;
- currency - rubles, dollars or euros;
- term - life savings (at least 5 years);
- available payment terms - every 1, 2, 5, 10, 15 or 20 years; before reaching the age of 65 or 75, until retirement;
- early termination is possible on the redemption amounts with payment of investment yield.
Main risks:
- death under LP during the validity of the policy;
- living up to the age of 100 years.
Additional risks are similar to the Horizon and Garant programs.
Axiom
The best option for clients who focus on savings, not insurance.
The parameters for opening the contract correspond to the conditions for the Horizon and Guarantor programs.
The main risk is surviving until the expiration date of the policy.
Additional risks:
- exemption from payment of contributions for IA of the 1st or 2nd group;
- payment upon death or UI (1st or 2nd group) as a result of NA.
The main difference from other programs is the absence of a death protection policy in the basic version. Upon the death of the AP during the term of the contract, only the contributions actually paid will be refunded.
Golden Key
A program designed to save for the purposes of a child who is both the insured and the beneficiary.
Characteristic:
- the age of the child is from six months to 18 years at the time of registration of the program and up to 23 at the date of its completion;
- currency - rubles, dollars or euros;
- term - until reaching any age in the range of 16–23 years, but not less than 5 years.
The main risk is the survival of the child until the end of the policy. In case of death before the designated period, the beneficiaries receive the paid contributions.
Additional risks:
- payment upon death or PD (1st or 2nd group) to a child as a result of NA;
- rent in case of death of the insured (the one who contributes funds);
- protection of contributions in the event of the death of the insured or assignment of the 1st or 2nd group of disability to him.
It is important that only the parents or legal guardians of the child can be listed as beneficiaries.
Official website of the company: www.lifeingos.ru
Video: presentation of insurance from the official channel Ingosstrakh-life.
The company provides the following types of insurance:
- Investment life insurance
- Cumulative insurance life
- Pension insurance life
- Credit insurance life
- Accident and illness insurance
Registration number in a single state register subjects of the insurance business: 3823
Licenses of the Central Bank of the Russian Federation for insurance:
- License to exercise voluntary insurance of life No. СЖ 3823 dated 01.10.2015 without expiration date.
- License to carry out voluntary personal insurance, with the exception of voluntary life insurance No. SL 3823 dated 01.10.2015 without expiration date
CEO: Chernikov Vladimir Vladimirovich
Vladimir Vladimirovich Chernikov was born on January 31, 1969 in Kyiv. In 1991 he graduated from the Military Red Banner Institute of the USSR Ministry of Defense, Faculty of Oriental Languages. He completed internships at foreign insurance companies Axa, If, Pohjola, Tapiola, Achmea, Interpolis and studied at the Austrian Insurance Academy. In 2009 he graduated from Ashridge Business School (UK) with a degree in Insurance and Management, as well as the Academy National economy under the Government of the Russian Federation with a degree in Finance and Credit.
- In 1993-1998, he worked as Deputy Head of the Motor Transport Insurance Department of OSAO Rossiya (Ingosstrakh Group).
- In 1998-2006, he held the position of First Deputy General Director of Renaissance Insurance Group LLC.
- From 2006 until February 2011, he held the position of First Deputy General Director of ORANTA Insurance Company LLC.
- In July 2011, he was appointed Director of the Corporate Business Department of OSAO Ingosstrakh.
- In January 2014 he was appointed CEO OOO " Insurance Company"Ingosstrakh-Life".
