In the countries of the world, people actively take part in various insurance programs so that they do not have to doom their families to financial difficulties due to the vicissitudes of fate.
So the insurance policy benefits the owner, who can be the insured himself or his family member, who takes part in such a project of his own free will.
Features and benefits of buying a policy
Voluntary life and health insurance in a bank implies a number of restrictions regarding the age and type of employment of the client.
Usually, the insured should not be more than 70 years old at the time the policy expires, but there are a number of life insurance programs or funded type programs, which will be discussed a little later.
In any case, the policyholder himself chooses the appropriate policy program that fully meets his expectations and is suitable for the price.
As for the size of the insurance premium, it is formed on the basis of a number of criteria:
- what is the age of the insured on the date of issue of the policy;
- what is his position and working conditions;
- what level of financial security;
- whether he has children, a family or other dependents, as well as other points negotiated separately.
Experts advise concluding insurance contracts that clearly state the amount of monthly premiums in order to calculate opportunities in advance.
Voluntary life and health insurance of the borrower is offered in case of any loan, especially if we are talking about an expensive car or a mortgage.
By law, banks do not have the right to impose the need to purchase a policy, but if a person nevertheless agrees to such conditions, he can enjoy a number of advantages:
- if this funded program, the client receives a stable passive income;
- if you participate in programs, you can usually enjoy more profitable loan offers banks with a reduced interest rate;
- if an insured event occurs, the client will receive enough money for treatment in the hospital or financial support will be provided to relatives.
Voluntary accident insurance program of Sberbank
Such a program voluntary insurance life and health of the borrower implies that the object of insurance will be the life and health of the insured, if the insurance policy comes: illness, death, disability, etc.
Insured events include:
- death of the insured person due to illness or accident;
- loss of their ability to work;
- obtaining 1-2 disability groups.
Tariffs for connecting to programs will differ depending on their type: 3.09% per year for voluntary insurance against involuntary job loss, 2.09% per year for simple voluntary health and life insurance, but if you choose additional options for voluntary insurance, then the rate per year increases to 2.6% per year.
Voluntary insurance in VTB24
Here, the client is offered several programs to choose from:
- Personal. According to the terms of such a program, the insured person gets the opportunity to accumulate enough money for a normal life until the moment of retirement. If he loses his legal capacity before the agreed time, he will no longer need to pay insurance premiums, but the guaranteed sum insured will be paid to him. The insurance annual rate will be from 4 to 46%;
- Program for loved ones. Another type of voluntary endowment insurance, you can buy a policy for at least 5 years, while the amount insurance rate is from 4 to 50% per year. The program was created for the accumulation of money in order to transfer to the heirs after the death of the insured;
- maximum program. It is drawn up for a minimum of 3 years and according to the rules, funds can be returned in 100% volume. Another type of investment insurance.
TO potential clients Those wishing to use the program are subject to a number of strict requirements and, in general, a deal can be concluded on the following conditions:
- the law on voluntary life and health insurance states that a person over 18 years of age can act as an insured, but in any case, each company sets a different age threshold. The maximum age of the insured who wants to use the program from VTB24 is 60-70 years;
- if the insured decides to commit suicide or injures himself, the company will not pay out the insurance;
- if the policyholder dies as a result of alcohol or drug intoxication, the amount will also not be paid;
- the policyholder himself is obliged to notify the company in case of changes in his life.
In the process of concluding a contract, it is necessary to ensure that possible insured events are clearly indicated in it, i.e. risks that, in theory, can happen to a person with a certain degree of probability. Often, insurance companies can evade payment, citing inaccuracies in contracts.
Features of voluntary endowment insurance
Citizens of the Russian Federation have the opportunity to use endowment insurance, the main difference of which from other voluntarily purchased policies is that it will be possible to receive money even if the insured event has not occurred.
The amount will depend on the chosen tariff, which the policyholder selects so that the payments do not cut his monthly income much.
Payments can be made on a certain period, for example, the age of 50 or 60 years and the program guarantees that upon reaching this age the amount will be received.
You can also choose a lifetime frequency, and with payments a person can do as he pleases: use the money himself or transfer it to another person who is related to payments according to the agreement.
The amount of the insurance premium depends on the conditions of the program, the characteristics of a person's life, his age, as well as the state of health. You can find out the exact conditions of each program directly from the bank or from the insurance company.
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Gr. case no.
SOLUTION
In the name of the Russian Federation
Borodino City Court composed of:
presiding judge Liseykin S.V.,
with the participation of the representative of the defendant Mironenko T.T.
under the secretary Muraikina N.A.,
examined in open court a civil case under the claim of Rakhimov Oh.T. to PJSC "Sberbank of Russia" on the protection of consumer rights,
INST A N O V&L:
Rakhimov O.G. appealed to the Borodino City Court to the defendant OAO «Sberbank of Russia» with a claim for the protection of consumer rights on the grounds that 29.04. In 2015, a loan agreement No. was concluded between him and Sberbank of Russia OJSC (currently Sberbank PJSC), under which he was granted a consumer loan in the amount of 412,000 rubles for a period of 60 months, with an interest rate of 30.35% per annum. At the conclusion this agreement he signed an application for insurance on voluntary insurance of life, health and in connection with the involuntary loss of work of the borrower NPRO No., in which he expressed his consent to be insured with LLC IC Sberbank Life Insurance in accordance with the conditions set forth in the application itself and the “Terms and Conditions for Participation in the Program of Voluntary Life, Health Insurance and in Connection with the Borrower’s Involuntary Loss of Job”, and also pay 61,594 rubles for connecting to the insurance program. On April 29, 2015, this amount was paid by him to the bank's cash desk. However, no insurance contract was issued. On August 21, 2015, he made early partial repayment of the loan in the amount of 370 thousand rubles. Considering that the insurance contract was not concluded with him, in connection with which, on the basis of clause 5.1. "Conditions for participation in the program of voluntary insurance of life, health and in connection with the involuntary loss of the borrower's job" On August 21, 2015, he applied to the defendant with a statement on the early termination of participation in the Insurance Program and the return of the fee for connecting to the Insurance Program in the amount of 100% of the amount of the fee, i.e. in the amount of 61594 rubles. The application was denied, on the grounds that by signing the insurance contract he confirmed his agreement with its content and conditions. He turned to the defendant with a written application for a copy of the insurance contract, but so far he has not received it. He believes that, by refusing to return the fee for connecting to the Insurance Program, the defendant, since August 26, 2015, has been illegally using other people's in cash, the amount of which as of 19.10.2015 is 850.92 rubles. In addition, the defendant did not satisfy the claim, in connection with which, from 01.09.2015, a penalty is payable, which as of 19.10.2015 is 88695.36 rubles. He asks to oblige the defendant to terminate his participation in the Insurance Program ahead of schedule in connection with the conclusion of the loan agreement No. in accordance with clause 5.1. "Conditions for participation in the program of voluntary life insurance, health and in connection with the involuntary loss of work of the borrower", collect from the defendant a fee for connecting to the Insurance Program in the amount of 61,594 rubles, interest for using other people's funds in the amount of 850.92 rubles, a penalty in the amount of 61,594 rubles and a fine for non-compliance with the requirements of the consumer on a voluntary basis in the amount of 50% of the amount recovered by the court.
At the hearing Rakhimov Oh.T. did not appear, provided an application for consideration of the case in his absence and a response to the objections of the defendant, where he indicated that when applying to the bank for a loan in the amount of 350,000 rubles, he did not sign an application for insurance, upon receipt he was explained that the loan would be provided only if the application for participation in the insurance program was signed with the participation of the insurer - LLC IC Sberbank Life Insurance. At the same time, the bank did not bring to its attention full information about the conditions of insurance and about full cost loan: on the amount of the bank's commission for connecting the client to the insurance program and the amount of compensation for the bank's expenses for paying insurance premiums to the insurer, information about VAT withholding, which is a violation of his rights as a consumer financial service based on the provisions of Art. Law of the Russian Federation "On Protection of Consumer Rights". Also, the bank illegally imposed on him the obligation to pay the insurance premium, since under the personal insurance contract the fee is paid by the insured, which, according to the terms of participation in the voluntary insurance program, is OJSC Sberbank of Russia. Consequently, the bank, having deducted the amount of the fee for connecting to the insurance program from its account from credit funds, illegally charged interest on this amount. Due to the need to pay the insurance premium, he was forced to take out a loan for a large amount than planned. At the same time, on August 21, 2015, after an early partial repayment loan of 370,000 rubles, the amount of the principal debt was 40,390.09 rubles, that is, significantly less than the amount fees for connecting to the insurance program, which refutes the defendant's representative's argument that the insurance is aimed at protecting his interests as a bank client.
The representative of the defendant Mironenko T.G., acting on the basis of a power of attorney, did not recognize the claims, she explained to the court that, on the basis of the plaintiff's statement dated 04/29/2015, he was connected by the bank to the Program of collective voluntary insurance of life, health and in connection with involuntary loss of work PJSC Sberbank. The Bank is the beneficiary under the insurance contract in the event of an insured event for the risks "death of the insured person", "disability...", "death from an accident" in the part of the amount of debt outstanding as of the date of the insured event, in the remaining part and for the risk "survival of the insured person" - the insured person. The Claimant paid a fee for connection to the Insurance Program in the amount of 61,594.00 rubles. Conditions of participation in the Insurance Program, the Plaintiff received the Insured Person's Memo, as evidenced by his signature in the application for insurance. The plaintiff's arguments that the insurance contract was not concluded with him is not true, since according to clause 3.2.3 of the Insurance Conditions, as well as clause 2 of the application for insurance, the start date of the insurance period for insurance risks "death of the insured person", "disability ...", "death from an accident" is the date of signing the Application for insurance, and the date of commencement of the insurance period for the risk "survival of the insured person before the occurrence of the event" begins on 61 calendar day from the date of signing the application for insurance. By signing the insurance application on 29.04.2015, having received the Insurance Terms and Conditions, and having paid the fee for joining the Insurance Program, the Claimant joined the Insurance Program as an insured person. At the same time, according to clause 3.1.2 of the Insurance Terms and Conditions, the insured person is not a party to the Insurance Policy. An additional notification of its connection to the Insurance Program is not sent to an individual, the provision of other documents confirming the conclusion of an insurance contract is not required and is not provided for by the Insurance Terms. When concluding the insurance contract and determining the fee for connection to the Insurance Program, the bank acted on behalf of the borrower. This service is paid due to the provisions of paragraph 3 of Art. , Art. . The formula for calculating the fee for connection to the Insurance Program is specified in clause 5 of the Application for insurance and clause 3.1.2 of the Insurance Terms. The plaintiff consciously and voluntarily assumed obligations, including the payment to the bank of a fee for the provision of services for concluding an insurance contract in the amount of 61,594.00 rubles, as evidenced by his signature in the application. Clause 5.1 of the Terms of Participation in the Program for Collective Voluntary Insurance of Borrowers of Sberbank of Russia provides for the possibility individual terminate participation in the Insurance Program on the basis of his written application. At the same time, if an application is submitted, within 14 days from the date of connection of the client to the Insurance Program, the client will be refunded in the amount of 100% of the amount of the fee for connecting to the program. However, the plaintiff, having connected to the Insurance Program on April 29, 2015, filed a corresponding application only on August 21, 2015, then more than three months from the date of his connection to the Insurance Program. At early repayment the insured person of the loan debt The insurance contract continues to be valid until the expiration of the period of validity specified in it or until the insurer fulfills its obligations to pay insurance compensation upon the occurrence of an insured event. Since the plaintiff's loan has not been fully repaid, the insurance contract continues to operate. The receipt of the loan was not conditioned by the Claimant's obligation to join the Insurance Program, since the loan agreement does not contain any conditions on the borrower's insurance, and the Claimant's application for insurance expresses his consent to be insured on the conditions set forth in the application and in the "Conditions for participation in the voluntary life, health and in connection with the involuntary loss of the borrower's job insurance program". no refusal to provide banking services, Clause 2.1. of the Insurance Terms states that the client's participation in the Insurance Program is voluntary. Refusal to participate is not grounds for refusal to issue a loan. Also in paragraph 5 of the application for insurance, the claimant confirmed that he was provided with all the necessary and essential information about the insurer and the insurance service, including that related to the conclusion and execution of the insurance contract. He asks to satisfy the claims in full, and in case of satisfaction of the claims, to reduce the amount of the penalty.
The representative of the third party LLC IC "Sberbank life insurance" did not appear at the hearing, the day of the hearing was notified.
After hearing the representative of the defendant, examining the circumstances of the case, the court comes to the following.
In accordance with paragraph 1 of Art. 934 of the Civil Code of the Russian Federation, under a personal insurance contract, one party (the insurer) undertakes for a fee stipulated by the contract ( insurance premium) paid by the other party (the insured), pay a lump sum or pay the amount stipulated by the contract periodically ( sum insured) in case of causing harm to the life or health of the insured himself or another citizen (insured person) named in the contract, reaching a certain age or the onset of another stipulated by the agreement events (insured event).
DECIDED:
Claims Rakhimov Oh.T. on consumer protection to satisfy.
Oblige PJSC Sberbank of Russia to terminate the participation of Rakhimov O.G. in the Voluntary Life and Health Insurance Program and in connection with the involuntary loss of the borrower's job in connection with the conclusion of a loan agreement No. dated April 29, 2015.
recover from PJSC «Sberbank of Russia» in favor of Rakhimov Oh.T. a fee for connecting to the Insurance Program in the amount of 61,594 rubles, interest for using other people's funds in the amount of 850.92 rubles, a penalty in the amount of 61,594 rubles and a fine for non-compliance with consumer requirements on a voluntary basis in the amount of 62,019.46 rubles.
Collect from OJSC Sberbank of Russia state duty into income local budget in the amount of 3681 rubles.
The decision can be appealed to the Regional Court through the Borodino City Court within a month from the date of the court's decision in final form.
presiding C.The. Liseykin
Court:
Borodino city court Krasnoyarsk region)Plaintiffs:
Rakhimov O.G.Respondents:
PJSC "Sberbank"Judges of the case:
Liseykin Sergey Vladimirovich (judge)Litigation on:
For loans, for loan agreements, banks, bank agreementArbitrage practice on the application of Art. 819, 820, 821, 822, 823 of the Civil Code of the Russian Federation
Under insurance contracts
Judicial practice on the application of the norms of Art. 934, 935, 937 of the Civil Code of the Russian Federation
In Sberbank, there are such types of credit areas that require mandatory insurance. In particular, the borrower will have to conclude an insurance contract when taking a loan to purchase real estate or a car. But many types of insurance programs are desirable but not necessary.
Among these, optional insurance is personal (health and life of the borrower). But the mortgage manager of Sberbank will regard life and health insurance as extremely important and literally persuade the client to issue such a policy. But is it really so urgent? What does this insurance area include?
Sberbank offers several directions for life and health insurance
Risks under the personal insurance program
The existing conditions for participation in the Sberbank voluntary life insurance program allow the borrower to apply to any company that provides services for concluding insurance policies. You can also use the services of Sber itself or insurance organizations accredited by the bank.
A personal insurance contract helps to ensure that borrowers are guaranteed the fulfillment of obligations to the bank. After all, in the event of a risk situation, the insurer repays the balance of the debt.
The personal insurance program provides for various areas. The basic condition is to insure the life of the borrower and the loss of his ability to work, with the subsequent inability to continue to pay the housing loan.
Features of insurance
Loss of efficiency is a fairly broad concept. IN insurance risks diseases, injuries, disability and even difficult life situations. Therefore, Sberbank has developed several areas of personal insurance. The payer can choose the most attractive program for himself or develop an individual one, in agreement with the insurer.
Taking out a policy under the program of personal insurance (health and life) is desirable, but does not apply to obligatory condition obtaining a long-term loan.
Terms of personal insurance Existing tariffs
Terms of life and health insurance in Sberbank are based on developed tariff rates. They are the following:
- Disability and life of the payer - 2.09%.
- Job loss (not the fault of the borrower), deterioration in health - 3.09%.
- Policy development for individual requests payer - 2.6%.
The beneficiary (or beneficiary) is allowed to appoint both banking structure as well as an individual. Under the first option, in case of risk, the insurer will pay Sberbank the due part of the loan, otherwise the appointed person who has the right to dispose of the funds at his own discretion will receive compensation. And the rest of the loan will be repaid by the direct heir (in the event of the death of the borrower).
Can I cancel a policy?
The borrower has the full right to refuse to issue a policy and demand a refund of compensation. The amount of the returned funds directly depends on the moment of signing the agreements. In particular:
- Full payment upon application within a month.
- Half of the amount (50%) if 1–6 months have passed from the date of conclusion of the contract.
- After six months, the refundable compensation will decrease significantly.
The same conditions apply to the return of insurance funds if the borrower repaid the mortgage ahead of schedule. The refund occurs after the submission of the relevant application and the collection of a package of documents, which includes the borrower's passport, papers on loan agreements And bank statement indicating the full repayment of the loan.
When applying for personal insurance, Sberbank lowers interest rates on loans Duration of insurance policies
The insurance must cover the entire fixed period of the loan. But according to the established rules of the insured, the period of its validity is 1 year. At the end of this period, the insurance is extended until the complete expiration of the housing loan agreement.
Under what conditions is personal insurance necessary?
By current rules Sberbank life / health insurance of citizens is not a necessity. But experts strongly recommend that you listen to the advice of mortgage managers and draw up a document. After all, this insurance guarantees the borrower a return housing loan and retains his future rights to the acquired property.
Loan processing
Ordinary cash loans usually issued for a short time (unlike mortgage). Therefore, the probability of occurrence of insured events is quite small. Whether or not to conclude consumer credit insurance becomes the personal desire of the borrower.
According to statistics, only 6% of the total number of consumer loans is paid by insurance companies.
Taking out a mortgage
These areas of lending are already more in demand in terms of issuing life/health insurance policies. It is worth considering the long-term nature of such loans. By the way, for a bank, the conclusion of personal insurance is an extremely desirable moment when applying for a mortgage. For borrowers who have issued it, there is a benefit in the form of a reduction interest rate. In this situation, the best way out is to conclude a contract and arrange insurance.
Tariff rates depend on the amount of the loan After all, if the client is sure of its uselessness, according to the current regulations, it will be possible to refuse the policy and receive compensation. But experts recommend adhering to the terms of insurance for the entire period of a long-term loan. After all, it is better to play it safe than to face litigation later due to the inability to repay the loan and the risk of losing collateral real estate.
Voluntary insurance decision
The personal insurance department of this bank also operates on the basis of the financial and credit organization Sberbank. With the help of PJSC Sberbank-Insurance, any Sberbank client has the right to take out life and health insurance, reliably ensuring their future and the well-being of relatives and family members. The Bank has developed several areas of the program:
- "Head of the family";
- "Protection of loved ones";
- "Protection of loved ones +";
- "Airbag";
- "Corporate insurance".
Termination of insurance contracts and return of insurance
But an insurance policy that has been drawn up and has become legal can be revoked by Sberbank and canceled. Refusal of insurance is due to the presence of certain situations. In particular:
- Application for termination from the payer himself.
- The occurrence of a risk event and the full fulfillment of all obligations of the insurer.
- Identification of serious illnesses that occurred before the conclusion of insurance. For example, diabetes, tuberculosis, hepatitis, etc.
conclusions
Is it worth it or not to conclude a life and health insurance contract? Each client of Sberbank should be aware that this insurance is not among the mandatory when applying for long-term credit obligations. But, with its help, the borrower receives full guarantees for the fulfillment of his obligations to the bank. Keeps stable financial position for households and does not allow the loss of collateral.
In contact with
The leader in terms of issuing loans is Sberbank, but few people know that Sberbank also provides other services, such as insurance.
Sberbank life insurance, travelers how much it costs in 2018
Sberbank provides the opportunity to insure travelers, because a lot can happen far from home, for example:
Illness or injury;
Loss of documents or luggage;
Damage to property during transportation, etc.
It is easy to buy such a policy, it can be done through Personal Area, and receive it via the Internet, by e-mail. The cost of the policy depends on the validity period, which can range from a couple of days to a year, on the list of risks, and on the amount for which the client insures himself or someone else.
In addition, Sberbank has other interesting proposals for protecting life. Life insurance money back is a positive thing.
Life and health insurance in Sberbank
There are many options for voluntary life and health insurance. Here are some:
"SmartPolicy" is an investment offer that involves small monthly payments. In case of termination of the contract, the refund of life insurance money will be made in full;
Cumulative offer is an option for families. The insurance has a cumulative option, which makes it possible to receive a certain amount after the expiry date specified in the contract.
Terms of participation in the voluntary insurance program
Object: health and life of an individual. Insured events conditions may be as follows:
Loss of ability to work, and getting disability of 1.2 groups from illness or accident;
Death due to illness or accident.
Rates:
With a choice of parameters - 2.5% per year;
1.99% per year;
Life health insurance associated with involuntary loss of work - 2.99% per year.
Sberbank mortgage insurance - conditions, documents,
The bank has established requirements that the UK must meet, because it wants to protect itself from non-payment of money when necessary. The Sberbank website has a list of accredited firms.
In addition, the bank has single tariff insurance - 0.15% of the mortgage amount. This is a condition for accreditation. The policy is issued for 1 year, although there are also long-term policies, but the payment on them is still every 12 months.
Documentation:
Policy;
Agreement;
Borrower's application for combined mortgage insurance.
Credit insurance refund - sample application
To receive a refund on insurance, you need to collect documents:
Statement;
Documents that were drawn up when obtaining a loan
In general, the registration procedure itself is not complicated, but there are a number of unscrupulous companies that may not want to part with the money, then they will have to defend their case in court.
Cancellation of insurance after receiving a loan from Sberbank
It is worth remembering that no one can force a borrower to insure a loan. Therefore, if you do not want to do this, you can refuse. If the contract is concluded, then it can be terminated either when the loan is fully repaid ahead of schedule, or when the amounts of payments are already quite high. To do this, you need to issue a waiver.
Return of consumer loan insurance at Sberbank
The insurance contract may terminate if there is no need for the services prescribed in it. When the loan is paid off on time, the insurance is non-refundable, but when it is paid off ahead of schedule, there are chances to receive compensation. Then Insurance Company will only be entitled to a share of the funds, in proportion to the time of its validity.
An application for a refund must be submitted to the bank, he will consider it and decide on a refund.
