Sberbank insurance entrance. Investment life insurance

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.

Login with login and password

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.

Login and password

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 personal 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.

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 cumulative 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 will need a valid mobile phone number.
• 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 is from financial institution will allow 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.

Many people strive to choose a reliable insurance company, so their eyes often fall on services from a partner of the most reliable bank in the country. We will analyze what is special in Sberbank Insurance personal account, how to register in it, enter it, and what data you can get there.

This is perhaps the first thing you should know, because the whole process begins with registration. In order to pass it, you need to fill out a simple form on the site. Data to be entered:

1. Name of the insured.
2. Date of birth in the format dd.mm.yyyy.
3. Next, indicate what kind of insurance is issued, in this form the section is called - select a product.
4. After that, fill in the contract number in a special field. And you need to enter using the Russian keyboard layout.
5. Cell phone number.
6. E-mail address. It is necessary to indicate a valid address, since all letters, as well as policies that are ordered online, will be sent to it.
7. Login and password.

It remains only to click "register".

Login and important data

Logging into Sberbank Insurance is not difficult - you need to enter the login and password invented during registration. If you have forgotten the details, you can use the recovery form, the login password will be sent to the e-mail address specified during registration.

In the LC, you can use the following important and convenient options:

• Get information about the policy.
• Make payments and any other operations under the contracts.

Important! It is possible to use a personal account only if there is an agreement concluded with IC Sberbank Life Insurance LLC.

Conclusion

LC is a convenient tool, since each client has the opportunity to track all the data on his contracts, especially for those who have issued not one, but several policies. It’s difficult to keep everything in your head, and your personal account will help you update the policy in time.

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:

1. What period of validity of insurance to choose - (the program provides for a period of 5 to 30 years);
2. Required volume financial protection- about 2-3 annual income 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.

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:

1. Familiarization with various options insurance programs, as well as the choice of the most suitable of them;
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.

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.