PPF Life Insurance - Russian company, which is part of the holding of the international group PPF, specializing in insurance protection and management financial assets.
Reviews about PPF Life Insurance
PPF Life Insurance reviews are mixed. There are grateful clients who note the European level of services provided and the quick and high-quality settlement of insured events.
But there are also dissatisfied users who received an unreasonable refusal in their opinion. They recommend carefully studying the contract and the terms under which PPF fulfills its obligations. If all of them are foreseen and act according to the contract, there should be no refusal.
Is PPF Life Insurance a pyramid scheme?
Some users even argue that PPF Life Insurance is a pyramid scheme in which you invest money and do not receive real compensation. Nevertheless, PPF activity is confirmed by the presence of such large clients as Microsoft, Coca-Cola, SIEMENS, PHILIPS, Adidas, UniCreditBank, Russian Post. In addition, international and Russian rating agencies confirm the level of reliability of PPF. The company reinsures its risks in a large reinsurance organization SCOR, which also increases the level of confidence in it.
Types of policies in PPF Life insurance
Despite the customer reviews left about PPF Life Insurance, the company is primarily aimed at protecting the most important risks, therefore it acts on products such as pension insurance, life and accident insurance.
Pension programs allow you to increase the size of your future pension by receiving payments during certain period. The accumulation period is set at the choice of the client (5-30 years or until retirement age), and you can receive a pension from 5 to 20 years.
Registration on the PPF website Life insurance accident policy
PPF Life Insurance, on whose website you can apply for an accident insurance policy, offers the following programs:
First option.
Covers the risks of death from an accident or an unforeseen event, disability for the same reasons, and bodily injury from an accident. You can also include in the insurance the possibility of temporary loss of working capacity. The policy is issued for one year, payment in installments is not provided
Second option.
Differs in the possibility of selecting parameters:
- progressive way payment during hospitalization (the amount of payments will increase with each day of stay on treatment);
- has no restrictions regarding the client's sports activities;
- V case of an accident, the amount of payments increases by 50%.
The third children's version.
For a child from 2 years old, according to the risks of bodily and / or serious injuries. Additionally, you can include in the program the possibility of temporary loss of working capacity due to hospitalization.
Optimal life insurance program at Generali PPF
Generali PPF Life insurance under the Premium product, which is universal in life insurance, allows you to cover the following points:
- surviving to the date set by the client;
- death due to any cause;
- accident;
- fatal disease;
- disability (when it occurs, contributions will no longer be required to be paid).
The last three conditions are not included in the standard package, they can be added to your policy, if desired. There is an age limit for clients: up to 65 years old (up to 55 years old for the last three). The term for the conclusion of the policy is 5-30 years.
Choosing a life insurance program in your personal account on the site
On the PPF Life Insurance website Personal Area makes it possible to issue the required policy and control the frequency of contributions. When choosing, it is better to study all the programs in order to determine the best one for yourself. In addition to Premium, there are such:
- Guardia. From death, insurance coverage is provided from 150 thousand rubles to 10 million rubles. Contributions can be paid in installments.
- Comfort. As a result of death from an accident, a payment of double the amount is provided. Insurance coverage can be assigned in the range of 400 - 1000 thousand rubles, for a period of 15-25 years.
- Gloria. The program for women provides for the risks of oncological female diseases, excludes diseases that are more common for men.
- Sun. Children's complex of insurance against death, as well as against the death or survival of an adult. For children from 6 months. Valid for 5-24 years.
Program to pay savings in PPF Life insurance
In PPF Life Insurance, payment for the Optim program allows you to make savings with a minimum package of risks (death and survival). The program takes into account inflation, so the accumulated amount is indexed annually and, if necessary, compiled additional agreement with a modified fee. The period of validity is 5-30 years or from a certain age (55-65 years).
PPF life insurance payment online
It is allowed to expand the risks: from an unforeseen event, bodily injury, hospitalization, disability.
Calculation of the cost and payment of the policy in PPF Life insurance
- the amount of coverage for each case;
- profession, position;
- hobbies related to immersion in water, horseback riding, sports;
- health status (not for all policies).
Generali PPF life insurance
Payment is due at the time of signing the contract. For insurances that are valid for several years, payment is provided in installments: once every six months, annually, quarterly. For insurance for a period of one year, payment will be required in one payment.
Insurance Company PPF Life Insurance has been operating in Russia since 2002, and thanks to hard work, as well as successful and high-quality customer service, it has been able to achieve a good reputation in the provision of insurance services.
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Among the main insurance products that the PPF offers to the population are life insurance, pension insurance, compensation payments for health and accident insurance. This company actively develops its network of agents and this moment has 76 offices in the Russian Federation.
For Western Europe, PPF is not just a company that many people know about. First of all, it's a big financial giant, which arose during the existence of the Austro-Hungarian state, survived wars, numerous changes of power and political regimes, and was able to “stand on its feet”, continuing the classical traditions of insurance to this day.
Advantages and disadvantages
One of the main activities of PPF is life insurance. Of course, before making a decision to purchase such a service, any person needs to know the risks and benefits that it entails.
Let's take a look at the pros and cons of life insurance.
Let's start with lying in the ointment, that is, with the shortcomings of various life insurance products. Among them we highlight the following:
- Unfair fulfillment of obligations insurance company under a contract with its customers.
- Veiled insurance investment. In simple words, the client does not know how the company uses and allocates his funds.
- Long term insurance program. For 20-30 years, a person can undergo cardinal changes in life, including financial plan, and the required amount of the contribution will have to be paid regularly.
And now about the pluses, which are still more, which cannot but please a person who decides to insure his life:
- The possibility of accumulating funds in a safe place. Insurance premiums companies that sell life insurance services are subject to serious state control, which guarantees the protection of clients' money.
- Protection of one's own life, as well as the life of relatives from unforeseen situations and risks. You can be sure that if even the biggest problem arises, you will have the money to solve it.
- Self-protection guarantee. In this case, the minus of insurance turns into a plus: the person knows what he has to do mandatory payment on a certain period program actions insurance contract, otherwise its profitability will be equal to zero. This in a certain way affects the client psychologically and makes him treat spending more responsibly.
- Possibility to postpone financial resources for the future to guarantee decent life themselves in old age, their children and grandchildren.
- Impossibility of foreclosure on the insurance capital. Simply put, if a situation suddenly occurs in which the court seizes your property in order to collect any debt, then such a procedure is not applicable to the funds placed with the insurance company.
Programs
Having understood the pros and cons of insurance, let's see what life insurance programs PPF offers to its customers at the moment and describe each of them.
Premium Program
It is suitable for those who want not only to take care of their life insurance, but also to get additional income. This product has been designed to provide good financial protection, accumulation of money during long term and an excellent chance of receiving guaranteed funds in addition to the main income.
Choosing such a program, the client chooses the opportunity to make large purchases (houses, cars) and a decent standard of living after retirement age. Another advantage of such a tariff is the indexation of income, which avoids losses from inflation.
Term insurance policy: from 5 to 30 years.
Sun program
This product is ideal for those parents who want to protect their children financially and provide a normal medical service if the child is injured at school, in the yard or anywhere else.
Additional options can be attached to the policy, taking into account the specific age of clients. The basic rate "Solnyshko" includes such insured events: premature death of a child or parent, as well as the expiration of the insurance contract, which can be issued for a period of 5 to 24 years.)
Guardian Program
The maximum level of protection of the health and life of the insured, including a large set of insurance risks. Such a service is a guarantee that the costs in the event of an accident or a fatal illness will be provided and covered by the insurance company.
Another advantage of the Guardia program is that if the client survives until the end of the policy period, he will be compensated for part of the insurance investment amount, returning a percentage of the payment Money.
Program Optim
This tariff is for those who are young, do not have serious health problems and the main purpose of buying an insurance policy is to save up for the future. The accumulation, in this case, will be protected from inflation and combined with the protection of the client's life insurance.
You can not include a large list of risks in the contract, so there will be no overpayment of money for the policy. Another plus of the Optim program is a quick checkout, as there is no need to assess the health of the person who is going to insure.
Family option program
It is a novelty of the company and became available only in May last year, giving excellent opportunity insure against accidents up to 5 family members (2 adults and 3 children) at the same time by purchasing one policy for all insurance participants.
The effect of insurance protection extends not only to the territory of Russia, but also throughout the world during the validity period of the policy. Maximum term contracts - 1 year.
Corporate programs
Of course, such a large company as PPF. Life Insurance” could not ignore the service of corporate clients, especially since such a service is now becoming more and more in demand. Especially for representatives of medium and small businesses, PPF has developed 2 accident insurance programs: “Partner” and “Partner+”.
Each of them is distinguished by ease of registration, ease of payment for the policy, certain terms of the contract and a list of included risks. Any company can insure at least 5 employees who hold their position on a permanent basis from 18 to 65 years.
The sum insured will depend on the base rate and additional options.
Fees and cost
The cost of policies and contributions under the life insurance programs of the PPF company will depend on which option the client chooses. Payment of contributions, for example, may be lump sum, annual or quarterly.
On the official website you can find an electronic calculator that will help calculate the cost of some tariffs.
Also, you can apply for support to the nearest insurance agent of the company, who will advise on financial issues online or in one of the offices in the Russian Federation.
You can pay for the provided insurance services and current premiums in one of the following ways:
- Postal transfer;
- bank transfer of funds to the personal account of the company;
- terminals "Qiwi" and "Eleksnet";
- Rapida system;
- bank card;
Common mistakes
Insurance company “PPF. Life Insurance”, taking care of the quality of customer service, analyzed the most common mistakes, which everyone who is going to insure their life in their company should know and gives the following tips.
- Do not doubt the reliability of life insurance.
- Think of an insurance program primarily as financial protection for your life, not as an investment with future returns.
- Choose an insurance policy not by the amount of the contribution, but by focusing on the term, conditions and risks of it.
- Include additional options in the contract, do not try to save on your life and the lives of your loved ones.
- Do not forget to check the relevance of your contract every few years - life circumstances and social status can change over time
So, in order: I have been thinking about insuring my life and health for a long time, since at the enterprise where I work, official salaries are minimal, respectively, sick leave is accrued from them, you cannot provide a wife and a child with such money. When choosing this company, the amount played a role insurance coverage, the high rating of the company A ++, the friendly attitude of the managers of the Smolensk branch No. 501, located on Konev Street - everything was told and explained intelligibly for an ordinary person. So March 29, 2017 years between me - Sergeev Vladimir Viktorovich and the insurance company "PPF Life Insurance" signed an agreement voluntary insurance from accidents "Option" N 1110188116, according to which I paid insurance premium in the amount of 18 160 rubles. In accordance with the terms of the contract, PPF Life Insurance LLC assumed obligations to pay the sum insured in the event of harm to the life or health of the insured person - me Sergeev Vladimir Viktorovich. said contract concluded for a period of 1 year. In accordance with the contract, the total sum insured under the contract is 1,500,000 rubles.
As time has shown, as I looked into the water, deciding to insure myself, on April 28, 2017, at about 21.00, as a result of an accident that happened to me in the village of Koryuzino, Smolensk region, Smolensk district, where I helped a friend with the repair of a private house, stumbled on the scaffolding, lost my balance and fell, landing on both legs, I was injured: a closed 2 ankle fracture of the right tibia, as well as a fracture of the left calcaneus. This diagnosis was made to me in the OGBUZ "Clinical Emergency Hospital medical care» Traumatological center, located at the address Smolensk, st. Tenisheva 9, where I immediately turned after the injury. At the Trauma Unit, I had X-rays taken and a cast was put on both legs. My stay on sick leave was from 04/28/2017. to 20.07.2017
Based on clause 8.1. The insurer has been notified of the occurrence insured event by phone, within 30 days from the date of its occurrence, reading negative feedback his countryman and brother in misfortune, decided to play it safe and recorded all telephone conversations on a dictaphone. By phone hotline, I was told to come to the office of the Smolensk branch after the end of the sick leave and discharge. I stayed on sick leave for about 3 months, receiving a sick leave salary of a little more than 21,000 rubles, while spending more than 42,000 rubles on treatment, I have checks for everything, I didn’t worry too much about this, I borrowed money for treatment and life from relatives, because I thought that I was insured in a serious company, problems in obtaining insurance compensation will not, and based on the table with the list of payments for injuries, the amount of insurance coverage should be impressive.
21.07.2017 I was discharged from the hospital and I turned to my insurance agent S-voi T.V. with a statement about the occurrence of an insured event. The insurance agent requested the following documents from me: original x-rays, sick leave, extract from medical card, a copy of the medical record certified by the head physician of the Trauma Center. All these documents were provided by me on July 21, 2017, about which a copy of the application was issued with a list of documents accepted from me. 07/24/2017. I got a call from the office of the insurance company and asked to bring a copy sick leave certified by the employer, which were requested by the security service for verification. 28.07.2017 a copy of the sick leave certificate, certified by the employer, was provided to the insurance agent, and I was given a corresponding copy. When I asked if I needed anything else, they told me that I didn’t need anything, I had a complete set.
Based on Appendix No. 2 to the Option policy, the table of insurance payments in connection with insured events “Bodily Injuries” (the amount of insurance payment is calculated as a percentage of the sum insured for the insured risk “Bodily Injuries of the Insured”, in my policy the sum insured is 1,500,000 rubles), I received injuries: section 21. ankle joint 84. fracture of the bones of the lower leg at the level of the lower third c) fracture of both ankles - 10% from the sum insured 1,500,000 rubles, which is equivalent to 150,000 rubles. - I received this injury on my right leg; as well as section 22. foot, toes 87. fracture of the bone (bones) of the foot b) fracture of three or more bones, calcaneus - 10% of the sum insured 1,500,000 rubles, which is equivalent to 150,000 rubles. - I got this injury on my left leg.
Based on the explanations to the table of insurance payments, if the damages belong to different sections of the Table of insurance payments, then the payments for the articles are summarized - the injuries I received are in different sections, and also if as a result of one insured event there was a simultaneous injury to various limbs or both symmetrical organs, then the calculation of the payment is made for each organ or limb - I have different limbs: right and left legs. Therefore, the sum insured due to me under the contract is 300,000 rubles.
Based on paragraph 8.18. insurance contract within 14 working days from the date of receipt of all necessary documents specified in clause 8.13. - all documents have been provided, the insurer makes a decision on the insurance payment. In my case, the date of submission of the full package of documents is 07/28/2017. I repeatedly called the hotline and my insurance agent to ask how long my insurance case would be considered, to which I was told that an additional check was scheduled insured event, requested additional documents I did not receive a clear answer from the competent authorities when the decision is made. The charter to expect and not having heard more than one intelligible answer, on the deadline for making a decision, 08/16/2017. I applied for legal help. Having studied the contract, the lawyers saw a violation of the terms of payment prescribed in the contract and made up a legal claim.
08/17/2017 the claim was given by me to the office of the Smolensk branch, and also sent by mail to Moscow, to the head office. 24.08.2017 I called the hotline in Moscow to find out if my claim was received and whether my insurance case was considered, to which they answered that they received the claim, and also on 08/18/2017. got Required documents from the competent authorities, requested for additional verification and asked to wait 14 working days to make a final decision, saying that on that day a complete set of documents necessary for making a decision was received, and the deadline for making a decision is 09/06/2017. 09/06/2017 I called Moscow to clarify information on my case, saying that, according to them, today is the last day for making a decision, to which they answered that another additional check was scheduled on August 30, 2017, a request was sent to the competent authorities and a response is expected from them. When I asked why it was impossible to send requests to all the authorities of interest at once, at the same time, not to drag it out for months, contrary to my contract, appointing one check after another, I did not receive a clear answer.
As of September 10, 2017 my insured event was not considered, which is a gross violation of the insurance contract, and by appointing one additional check after another, the insurance company artificially delays the deadlines and tries to evade the payment due to me for the harm I received. Regarding the supposedly additional checks, the question is also strange, the documents from the hospital and from work confirming the injuries I received were given to the insurer in full, the originals: 6 X-rays, an extract from the outpatient card; copies of: an outpatient card certified by the head physician of the Trauma Center, 3 pages of a sick leave, with notes about my visit to a medical institution during my disability, copies of 3 pages of a sick leave certified by the employer. These documents fully reflect the insured event, the fact of its occurrence and the reason. I understand that in our country there is no bureaucracy and no delays, but the actions of this insurance company go beyond all limits. I wait another week, after which I will have to go to court.
With the help of the CONTACT system on the territory Russian Federation and CIS countries, you can pay for insurance contracts, as well as invoices for the payment of the company LLC "PPF Life Insurance" according to a simplified procedure, without opening an account.
Payments are made only in Russian rubles.
CONTACT system commission for transfer: 0%.
Term for crediting funds: within 1 (one) business day.
Your actions when paying for the insurance contract/invoice:
- Select and draw up an insurance contract with PPF Life Insurance LLC and receive an invoice for payment.
- Come to the CONTACT payment point convenient for you.
- To report cashier-operator that you need to pay for the insurance contract/account of PPF Life Insurance LLC using the CONTACT system, as well as provide an identity card and the following information:
FULL NAME. payer (in full);
Type of payer (insurer/ agent/ staff member);
Date of Birth;
Transfer amount;
Insurance agreement/invoice number.
- Pay and receive a payment receipt.
*Insurance premiums under insurance contracts/accounts set in US dollars or Euros are paid in rubles at the exchange rate of the Central Bank of the Russian Federation on the day of payment.
PPF Life Insurance (legal name - PPF Life Insurance LLC) is an active participant Russian market life insurance. The company has been assigned a ruAA rating ( High level reliability) on a scale rating agency RAEX ("Expert RA"). The owner of PPF Life Insurance LLC is PPF Group N.V. is a successful international investment group. The company was founded in 2002 (previously operated under the brands Generali PPF Life Insurance and Czech Insurance Company).
The PPF Group invests its funds in a number of sectors of the economy, such as banking, Financial services, telecommunications, real estate, insurance, mining, Agriculture and biotechnology. The territory of presence of the PPF Group is Russia, Europe, the CIS countries, as well as Asia and the USA. Currently (as of 12/31/2017) PPF owns assets in excess of 38 billion euros.
You can check all information about insurance products directly with financial advisors LLC "PPF Life Insurance" (in the section "Contacts" on the official website of the companyhttp://www.ppfinsurance.ru ) or by phone: 8-800-775-8200.
