Sberbank life insurance number. Life insurance in Sberbank of Russia

Sberbank is rightfully the leader among other credit institutions. And this is determined not only by the prevailing number of customers, but also by a huge choice banking products. Some of them have been separated into separate companies owned by Sberbank. For example, Sberbank offers life insurance to all its customers and not only.

On the official website of Sberbank, life insurance is possible by going to special section. Sberbank customers connected to their personal account online can become participants in the program.

Getting access to Sberbank's personal account for life insurance is as simple as registering a personal account on the Rusfinance website -

Features of registration in the personal account of the insured

On the Sberbank website for life insurance, a personal account is needed to view history and perform a number of other functions.

You can open a personal page after the insurance contract is signed with credit institution. Turning to the official website of Sberbank life insurance is possible after entering your personal account.

Authorization

This will require a username and password. If a Sberbank client uses the services of the site for the first time, then he needs to register. This is the second section that is presented on the page. In addition to them, there are others:

insurance case;
information.

To register as an insurer, personal data will be required. The service warns that the information must be specified exactly as it was written in the agreement between the client and Sberbank. Next is the date of birth.

Full name, date of birth

The next step is for the user to select the product for which the contract has been concluded. It must be found in the proposed list.

Personal data

At the time of registration, information such as the numbers and series of the insurance contract must be provided. If there are several such contracts, you can specify any. You also need to enter your mobile phone number and email address. The last step is to create a username and password. The secret code must be reliable in order to exclude unauthorized persons from accessing the Sberbank website. To eliminate the error, the service prompts you to enter the password characters again.

How to recover a password?

If the password has been forgotten, the service offers certain actions to recover it. To do this, you need to turn again to the login page for your personal account of Sberbank. Here you will need to click on the password reset link.

After that, the life insurance service will offer you to choose the password recovery option:

via email;
through mobile phone.

Both must match what the user indicated in the contract during registration. They will receive a new password. When you first log in, you can replace it with another one.

Life insurance programs from Sberbank

Sberbank for life insurance offers users big choice programs. On the official website, you should carefully study their conditions, and then choose in your account. For example, there is the program "Head of the Family". Within its framework, relatives and friends receive assistance in case of adverse incidents with the breadwinner of the family.

The client receives the policy within a few minutes after filling out the required form in the personal account. The document is sent to an email address. Its main advantage is the fact that it operates in any country.

The page tells about the financial component of the program. We are talking about the amount of insurance protection and its cost for the year. As well as the options for insurance protection, the cost of the policy. It also defines the risks against which the policy protects and its validity period.

Sberbank products

Sberbank under the life insurance program in your account offers different types policies. Among the most popular:

protection of loved ones online;
secure borrower online;
travel insurance online.

In addition, the list also includes accident and illness insurance. As well as popular investment and endowment life insurance.

Cumulative and investment insurance - how to apply?

In Sberbank's personal account, you can also get accumulative and investment insurance.

The accumulative life insurance program allows you to accumulate the required amount by a specific date, as well as in case of unfavorable situations with health and life, to receive insurance. Clients of two banking products, Sberbank Premier and Sberbank First, can become participants in this program. Thanks to the program, each of its participants has the following opportunities:

save for certain purposes for the child, for example, for education, first purchase, mortgage payment;
save funds by using the tax and legal privileges of the program.

In the latter case we are talking that the tax base for personal income tax can be reduced by the refinancing rate of the Central Bank. The insurance payment is not subject to taxation on the income of an individual. These funds cannot be confiscated, recovered and are not divided between the spouses in the event of a divorce, like jointly acquired property.

And one more thing - the insurance amount is inherited by the person who is indicated as the beneficial owner. There is no need to wait six months to enter into an inheritance, a period of 30 days is set for this. Offers similar terms investment program accumulation. At the same time, funds can be invested in different shares. The choice is always up to the user. It can be shares of companies RTS index, Sberbank, the first link in the US economy. In addition, you can invest in real estate, gold.

How to use the cabinet?

You can report an event online insured event.

Notification of an insured event

You can also check the status of the application by entering your email and application number in the fields.

Application status

In the personal account of Sberbank, you can carry out all operations under the programs in which the user participates. To do this, you need to refer to the life insurance program and the section that interests the user. Next, select the service option. If necessary, you can make another payment. It is set by the client in the contract and can be one-time, annual, semi-annual or quarterly.

In this case, protection is carried out in full immediately after the first installment is made. The target amount of savings is formed from payment to payment. Also, in the personal account, options for situations when it is possible to obtain insurance protection are indicated. It is paid in the agreed amount and does not affect the amount of savings in any way.

After the contract has expired, the company makes payment in full. And if during this period was accrued investment income, then it is added to the main sum insured. Payments are made only to the person who is indicated as the recipient of the insurance payment. In your personal account, you can resolve all issues without leaving your home.

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 reliable bank 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 treaty program for the protection of loved ones includes certain mandatory elements, such as:

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.

Standard insurance premium in the contract for this type of service is defined in three versions: 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 various levels 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 reliable tool protection of 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 your personal account will be available.

Airbag

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 get many times the amount of payment in the event of an insured event.

To choose this insurance program, you need to decide:

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

Sberbank defined insurance risks, at which the client can receive a payment of money. 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!

Personal Area 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.

At the conclusion of the contract, the client has the opportunity financial deduction(refund 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.

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 the choice of the most suitable of them;
Determination of the amount of financial protection of an employee (from 100 thousand to 1 million rubles);
Signing of all documents;
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.

Eg: sums insured received upon the occurrence 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.

When applying for a loan, everyone was faced with an offer bank employee, sometimes quite intrusive, to issue a policy of voluntary provision. Consider the features and main pros and cons that Sberbank provides for life insurance. And also get acquainted with the nuances of its design.

There have long been affordable products that can give confidence in the future for the whole family.

Life and health insurance is issued at Sberbank Insurance, which is a separate legal entity. But it is permissible to conclude a policy at the time of applying for a loan at a bank office. The policy prescribes provision for the loss of life or health by the borrower due to unforeseen circumstances.

Thus, two main risks are prescribed:

death;
loss of performance.

Insurance rates

But the second case involves many options: illness, injury, dismissal, family circumstances. In view of which, there are several programs that differ in a set of cases and are universal, allowing you to choose any risks at your discretion.

Personal insurance– the procedure is voluntary, but when applying for a mortgage, it is more beneficial for the borrower

They differ in rates:

life and disability: 1.99% per year;
life, health and involuntary loss of work: 2.99%;
with selection of parameters: 2.5%.

It is permissible to appoint a bank or other person as a beneficiary (except mortgage lending). By choosing the first option, the borrower understands that in case of an unforeseen situation, his debt will be partially or fully repaid by the insurer. Appointing individual, the latter will receive a payment, which he has the right to use at his discretion. The loan is obliged to repay the client's heir (at the death of the latter).

Full insurance repayment of debt

It must be understood that the full repayment of debt occurs only in two cases: death and disability due to illness or accident. If the borrower has lost his ability to work for some time, the insurer pays instead of him the mandatory monthly payments, but only during the period documented:

sick leave,
certificate from the authorized body.

Voluntary life insurance in Sberbank

Life and health insurance, the cost of which in Sberbank depends on the size of the loan, is issued directly at the branch. Already at the stage of applying for a loan, the applicant is offered to take advantage of the offer. Therefore, it is worth considering in advance its necessity. Often, employees hint at the possibility of a refusal if the client does not have a policy.

What to look for when choosing an insurance company

But there are always two things to keep in mind:

The policy is voluntary. The client has the right not to issue it.
Even having concluded an insurance contract, it can be canceled after receiving a loan. There is a month for this.

Enlightened borrowers often use the latter option. In addition to increasing the likelihood of issuing a loan, they also receive the amount of insurance premiums in their hands, thereby increasing their loan size (if they need an amount slightly larger than that offered by the bank).

Can I opt out of insurance?

The borrower has the right to cancel the policy at any time and return the money paid, the amount of which depends on the date of conclusion of the contract:

the full amount, if you apply after 30 days (no later than);
50% if 1 to 6 months have passed;
a small part, after six months.

You can count on similar amounts if there is a need to return the contributions when the loan has already been paid and the policy has not expired. The procedure in this case involves writing an application in which it is required to indicate all the details of cooperation with the bank and the insurer. An extract from the bank indicating zero debt is used as an application. It is worth being prepared for the resistance of employees who in every possible way shy away from accepting such statements. You need to remember your rights and insist on a legal procedure.

Life insurance for a loan at Sberbank should cover the entire term of the latter. But the policy itself is usually issued for a year. Therefore, after it has passed, it will need to be extended, sometimes dozens of times, when it comes to mortgages.

Payment

The client has the right to choose his own payment option:

include them in the loan amount;
repay every month on a par with the repayment of the loan.

Registration procedure insurance policy

The first method is often offered by the bank. It is also convenient for the borrower, as it allows you to make one payment, in which everything is included.

Cancellation and return

The insurance contract is terminated in such cases:

The client has a disease from the list specified in the contract. At the same time, the insurer cannot provide the service due to the high degree of risk. Usually, when insuring, the client is required to provide medical certificates of the absence of such diseases, while they are not required when lending and simultaneously issuing a policy. Therefore, the company reserves the right to refuse an unreliable client.
The client expressed a wish to refuse the services of the insurer. Accompanied by the submission of an application and the return of part of the fees, if necessary.
One of the risks listed in the contract has occurred. The insurer repays the debt and the policy is cancelled.

When should you use the services of IC Sberbank Insurance?

Summing up, it should be noted that the conclusion insurance contract more beneficial to the bank. If it is impossible to pay the debt by the client himself, this will be done by the insurer (subject to the terms of the contract).

Credit

In any case, the IC will receive contributions for the entire loan period. As practice shows, only 6% of all loans are paid by the insurer. That is, the probability of an accident is small. Because for short term loans the policy is not so necessary and is voluntary for the borrower.

Mortgage

More attractive for the client is life insurance with a mortgage at Sberbank, because it can last up to 20 years. The term is significant, so it will not be superfluous to protect yourself from unforeseen circumstances. Besides, banking institution lowers the rate for conscientious customers. So, the interest on a mortgage will be 1% less than without voluntary policy. You can compare the price of the policy and this discount in order to understand how beneficial it is for a particular borrower.

What is the subject of insurance

On the other hand, with a mortgage at the legislative level, the obligation to insure the property that acts as its object is fixed. In case of destruction or damage, the debt to the bank will be repaid by the insurer within the price of housing. Since it will be necessary to pay contributions for property security, there may simply be no funds left for the life policy (or the loan amount will decrease on them).

Voluntary

It is possible to obtain comprehensive insurance under the Multipolis program "Without worries"

In the insurance company Sberbank Insurance, you can insure life and health voluntarily and in this way ensure peace of mind for yourself and your loved ones. You can choose from several programs:

head of family;
Protection of loved ones;
Protection of loved ones plus;
Airbag;
Corporate insurance.

Video presentation of life insurance under the Head of Family program:

All programs in one way or another allow you to save the financial well-being of the family in the event of an accident that led to death or disability.

Therefore, the decision to purchase an insurance policy should be made based on your financial opportunities, the degree of responsibility to relatives and other personal conditions.

Service "Second Medical Opinion" from Sberbank

When issuing a loan in excess of 100 thousand rubles. the bank offers the borrower to take out a life and health insurance policy. Upon the occurrence of an insured event, point of contention is an accurate diagnosis. Unfortunately, sad statistics are observed - a third of the diagnoses are questioned. This is most important for serious illnesses, when the question of a person's life is being decided.

Many believe that health is the main life value of a person.

To this end, Sberbank has offered its customers a free online Second Medical Opinion service. This service was previously available only to customers who subscribed to the Premier package. The service has been in use since 2016. Since September 2018, it began to operate for mass products credit insurance. This is a continuation of the bank's strategy, which since the beginning of the year has included a medical consultation service using telemedicine in its insurance policies.

Correct diagnoses are not always made in medicine from the first examination.

What is the advantage of a Second Medical Opinion? The borrower, if there is a primary diagnosis that is in doubt, will be able to double-check it. It will be possible to obtain a qualified conclusion on the verification of the diagnosis thanks to the experts of the Doctor Nearby clinic network, a partner of IC Sberbank Insurance. They will attract the necessary specialists for consultations, will assist in the selection of a package of documents. Obtaining a second medical opinion on the primary diagnosis and the available examination results is possible in various branches of medicine: oncology, traumatology, gynecology, cardiology, ophthalmology, gastroenterology, hematology, neurology. The service is implemented within the federal medical marketplace DocDoc.

The elements that make up the product, which is now available to all citizens

The demand for Sberbank's Second Medical Opinion service has already been tested by time. Hundreds of premium segment customers have already used the service to confirm the primary diagnosis, and in some cases managed to change the treatment. Most of the appeals were related to oncological, neurological, orthopedic diseases.

List of diseases that can be clarified

How to connect to the Second Medical Opinion service

To receive the service, the policyholder must register. Together with the insurance policy, each client is given a link to a personal account and sent as an SMS. After registering and entering the personal account, the user clicks on the button with the name of the service - "Second Medical Opinion". After logging in, you need to upload your medical record, conclusion and examination results, and then submit an application. When the documents are examined, the client receives a notification. The user will be able to see the result in the form of a conclusion in his personal account.

Connecting to the medical consultation service is easy - just 3 simple steps

Video - insurance news from Sberbank in 2020

The video will tell about the possibilities of obtaining an insurance policy and all the benefits for borrowers.

Conclusion

The purchase of life and health insurance at Sberbank is not mandatory when applying for a loan. But issuing a policy can protect the borrower and his family from possible unpleasant life situations and will not jeopardize the further repayment of the loan.

Legislation Russian Federation provides for the possibility of termination, taking into account the interests of both parties. Each client of the insurer has the right not only to become the owner of the policy, but also, if necessary, prematurely terminate cooperation on legal grounds.

What is provided by the current legislation of the Russian Federation?

The Civil Code of the Russian Federation in most cases provides for the need to return part of the paid Money. The retroactive calculation takes into account the period during which former client the company no longer used the services offered. According to this scheme, proportional financial compensation occurs. At the same time, it is recommended to take into account the terms of the contract that is being signed.

The legislation of Russia allows the early termination of the executed agreement at the appropriate request of the insured. It is important to bear in mind that the insurance deposited amount will not be paid if the contract does not initially contain aspects related to the early termination of the services provided.

Nuances of termination of cooperation

Cooperation can be stopped not only after the onset of specific case. The following potential circumstances of refusal of the services of insurers are considered:

disappearance of the risk of an insured event recorded in the current policy;
inability to fulfill the obligations assumed regarding further payments;
the desire to change the insurer, taking into account the potential benefits;
violation of the law by the insured, including the provision of false information;
mutual decision to change initially fixed time the validity of the contract.

Regardless of the intentions of both parties, at the legislative level, only good reasons are considered for terminating the policy. If the insurer agrees with the arguments of the insured, only part of the money can be returned. It is important to be prepared for the fact that the terms of the executed contract, first of all, protect the company. Entity must lose at the minimum bar to eliminate the serious impact of situations associated with early termination of cooperation.

How to terminate an insurance contract?

The legislation provides for various ways to terminate the contract and return the funds. IN without fail the initiator of the termination of cooperation is taken into account.

An insurance contract may be declared invalid if the policyholder fails to pay premiums or fails to comply with any terms of the contract. In this case, the insured person, who is a client of the company, has the right to submit an official statement of intention to terminate cooperation. At the same time, the current policy spells out all sorts of options and ways out of the current situations, as well as the requirements that must be met.

Termination of cooperation with LLC IC "Sberbank insurance"

LLC IC Sberbank Insurance is one of the best insurance companies in Russia. The institution conducts its activities in accordance with applicable law. Each client has the right to be sure that his rights and interests are protected, so he can take advantage of the appropriate opportunities.

Can the contract be terminated?

Termination of a life insurance contract in LLC IC Sberbank is allowed. However, the insurance premium is returned only within fourteen calendar days therefore, the policy should not become legally binding. After the initial term, termination of the executed agreement ceases to be appropriate, since financial compensation is not possible.

During the procedure in the first fourteen days, you can provide the details of any bank card, account or savings book details. The representative of the target audience can use the most convenient way for myself.

Features of termination of the contract

As already understood, the terms for terminating a life insurance contract at IC Sberbank LLC, taking into account the interests of customers, are limited to the first two weeks. At this time, you need to re-visit the Sberbank office center to fill out a standard form confirming certain intentions.

The application must include the following information:

bank details of the account used (personal account of the client of the institution, as well as the BIC of the bank) for receiving the insurance premium;
surname, name and patronymic of the applicant;
passport data;
current contact information (phone number, email address);
number and date of execution of the insurance contract.

Specialists consider only those applications that contain the full amount of information. Otherwise, termination current policy ceases to be possible.

It is mandatory to attach a set of documents to the application. This requirement must be met in order for the termination procedure to be carried out in accordance with the current legislation of the Russian Federation. So, the necessary documents (copies):

valid civil passport;
a document confirming the payment of the issued policy;
current insurance documentation.

As it has already been understood, the issue is not considered without an application and a documentary package. Given the limited time frame, it is advisable to immediately take care of the implementation of existing requirements.

Another option for resolving the issue of early termination of potential cooperation is to send a letter with a statement and other necessary documents. The letter is sent to the following address: Russian Federation, Moscow, Pavlovskaya street, house 7, index 115093.

The countdown of the period during which the decision will be made begins after the receipt of the Application in insurance organization. Refunds will be returned within seven business days.

How can I find out if a payment has been denied?

Within seven business days after the decision to deny financial compensation is made, a letter will be sent with a clear justification of the reasons. This document will be received by mail. If the insurer knows the e-mail, the message will be duplicated in electronic form. Reasons for refusal to return the money spent for issuing an insurance policy are required.

The legislation of the Russian Federation provides for the possibility of advantageous early termination of the contract with the insurer. At the same time, each organization operates according to a unique scheme, therefore, the terms of the policy should be taken into account and the established aspects of interaction with specialists should be observed.

Read how to refund life insurance tax, at.