Life and health insurance Sberbank. Insurance programs

When applying for a loan, everyone has encountered a bank employee’s offer, sometimes very intrusive, to take out a voluntary security policy. Let's look at the features and main pros and cons that Sberbank provides for life insurance. We will 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 taken out with Sberbank Insurance, which acts as 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 requires coverage for the loss of life or health of the borrower due to unforeseen circumstances.

Thus, two main risks are prescribed:

1. death;
2. loss of performance.

Insurance rates

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

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

They differ in tariffs:

• 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 designate a bank or other person as the beneficiary (except for mortgage lending). By choosing the first option, the borrower understands that in the event of an unforeseen situation, his debt will be partially or fully repaid by the insurer. Having appointed an individual, the latter will receive a payment, which he has the right to use at his own discretion. The loan must be repaid by the client’s heir (upon the latter’s death).

Full insurance repayment of debt

• You need to understand that full repayment of debt occurs only in two cases: death and disability caused by illness or accident. If the borrower is unable to work for some time, the insurer pays the obligatory monthly payments instead, but only during the period documented:

• sick leave,
• certificate from the authorized body.

Voluntary life insurance at Sberbank

Life and health insurance, the cost of which at 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 its necessity in advance. Employees often hint about the possibility of a refusal if the client does not have a policy.

What to look for when choosing an insurance company

But you always need to remember two nuances:

• The policy is voluntary. The client has the right not to register it.
• Even after concluding an insurance contract, you can cancel it after receiving the loan. We have 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, thereby increasing their loan size (if they need a slightly larger amount than that offered by the bank).

Is it possible to refuse 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 submit the application after 30 days (no later);
• 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 premiums when the loan has already been paid and the policy period has not expired. The procedure involves writing an application in which you must indicate all the details of cooperation with the bank and insurer. The application is a bank statement indicating zero debt. It is worth being prepared for resistance from employees who in every possible way avoid accepting such statements. You need to remember your rights and insist on a legal procedure.

Life insurance for a loan from Sberbank must cover the entire term of the loan. But the policy itself is usually issued for a year. Therefore, after it has passed, it will need to be renewed, sometimes dozens of times, if we are talking about a mortgage.

Payment

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

• include them in the loan amount;
• pay every month equal to the loan repayment.

Procedure for obtaining an insurance policy

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

Termination and return

The insurance contract ceases to be valid in the following cases:

• The client was diagnosed with a disease from the list specified in the contract. In this case, the insurer cannot provide the service due to the high degree of risk. Typically, when taking out insurance, the client is required to provide medical certificates confirming the absence of such diseases, whereas when taking out a loan and simultaneously taking out a policy, they are not required. Therefore, the company reserves the opportunity to refuse an unreliable client.
• The client expressed a desire to refuse the services of the insurer. Accompanied by filing an application and returning part of the fees, if necessary.
• One of the risks listed in the contract has occurred. The insurer pays off the debt and the policy is cancelled.

When should you use the services of Sberbank Insurance?

To summarize, it should be noted that concluding an insurance contract is more profitable for the bank. If it is impossible for the client to pay the debt, the insurer will do so (subject to the terms of the contract).

Credit

In any case, the insurance company will receive contributions for the entire loan period. As practice shows, only 6% of all loans are paid by the insurer. That is, the likelihood of an accident is low. Therefore, for short-term loans, the policy is not so necessary and is voluntary for the borrower.

Mortgage

Life insurance for a mortgage from Sberbank is more attractive for the client, because it can last for 20 years. The period is significant, so it will not be superfluous to protect yourself from unforeseen circumstances. In addition, the banking institution lowers the rate for conscious clients. Thus, the mortgage interest will be 1% less than without a voluntary policy. You can compare the price of the policy and this discount to understand how beneficial it is for a particular borrower.

What is the subject of insurance

On the other hand, with a mortgage, the obligation to insure the real estate that serves as its object is fixed at the legislative level. In case of destruction or damage, the debt to the bank will be repaid by the insurer within the price of the home. Since you will also need to pay premiums for property security, there may simply be no funds left for the life policy (or the loan amount will decrease).

Voluntary

It is possible to obtain comprehensive insurance under the “No Worries” Multipolicy program

At the insurance company Sberbank Insurance, you can insure your life and health voluntarily and thus ensure peace of mind for yourself and your loved ones. It is possible to choose from several programs:

1. Head of the family;
2. Protection of loved ones;
3. Protection of loved ones plus;
4. Airbag;
5. Corporate insurance.

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

All programs, to one degree or another, help preserve the financial well-being of a family in the event of an accident leading to death or disability.

Therefore, the decision to purchase an insurance policy must be made based on your financial capabilities, the degree of responsibility to loved ones and other personal conditions.

Service "Second Medical Opinion" from Sberbank

When issuing a loan in an amount over 100 thousand rubles. The bank offers the borrower to take out a life and health insurance policy. When an insured event occurs, the most controversial issue is establishing an accurate diagnosis. Unfortunately, there are sad statistics - a third of the diagnoses made are questioned. This is most important for serious illnesses, when the issue of a person’s life is being decided.

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

For this purpose, Sberbank offered its clients a free online service “Second Medical Opinion”. This service was previously available only to clients who subscribed to the Premier package. The service began to be used in 2016. Since September 2018, it has also become effective for mass credit insurance products. This is a continuation of the bank’s strategy, which since the beginning of the year has included a service for medical consultations using telemedicine in insurance policies.

In medicine, correct diagnoses are not always made from the first examination.

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

Elements that make up a product that 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 clients have already used the service to confirm the initial diagnosis, and in some cases it was possible to change treatment. Most of the requests were related to oncological, neurological, and orthopedic diseases.

List of diseases that can be specified

How to connect to the “Second Medical Opinion” service

To receive the service, the policyholder must register. Along with the insurance policy, each client is given a link to their personal account and sent via SMS. After registering and logging into your 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 reviewed, the client receives a notification. The user will be able to see the result in the form of a conclusion in his personal account.

It’s easy to connect to the medical consultation service – just 3 simple steps

Video – insurance news from Sberbank in 2018

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

Conclusion

Purchasing life and health insurance from Sberbank is not mandatory when applying for a loan. But taking out a policy can protect the borrower and his family from possible unpleasant life situations and will not jeopardize further loan repayment.

The Sberbank insurance company, like other insurers, offers several products when you find yourself in circumstances with deteriorating health, injury, death or other events. The programs provide for the designation of not only one person as insured, but are also designed to protect the entire family, corporations and narrow areas based on the complexity of the identified disease. What you should know aboutlife and health insurance at Sberbankand how the conditions of different products differ.

A classic product that can be used to protect the health and life of children, parents, and spouses. The program combines insurance risks in case of fractures, burns, severe wounds, frostbite:

• Being involved in an accident resulting in injury or death;
• Death under critical circumstances of a wide nature - an air or railway accident (an additional insurance payment in the amount of 1,000,000 rubles is assigned).

Insurance Company " "has introduced the following coverage, which acts as a guarantor in case of injury:

• 100,000 rub. – the accrued bonus is 900 rubles.
• 200,000 rub. – 1800 rubles are required for payment;
• 500,000 rub. – the annual insurance premium is 4,500 rubles.

It is allowed to indicate as the insured person children from 2 to 24 years old, husband (wife) 18-65 years old and parents who are over 35 years old, but they are not older than 75 years old.

If unfavorable circumstances occur (life threat, deterioration of health due to injury), you should contact a Sberbank division. This can be done by directly submitting documents or using the services of a courier or post office. Users of an Internet account on the Sberbank-Insurance.ru page have access to various options for notifying them of exposure to negative health circumstances.

Please note: Applicants for payment must attach medical certificates indicating injury, death and papers confirming relationship with the insured.

Head of the family

Conditions of life and health insurance in Sberbankwhen choosing the “Head of Family” program, they apply to the breadwinner, who, if he has a policy, has the opportunity to receive compensation for health problems. The product is designed for those families who care about their financial well-being in case of unforeseen situations of deterioration in health or increased risk to life.

The insurance policy specifies amounts for the following risks:

• Death due to being taken to the National Security Service;
• Assignment of disability (group 1,2) as a result of accidental emergency.

The policyholder independently chooses the insurance coverage against which the premium is calculated. If desired, establish a minimum protection of 300,000 rubles. you will have to pay 900 rubles. And families insuring the breadwinner for 600,000 rubles. or 1,500,000 rub. contribute 1800 or 4500 rubles. respectively. All fees are paid upon conclusion of the contract.

Important: Life insurance policies for the family or head of the family can be issued on the website.

Do not forget that claiming compensation in the event of a risky situation of deterioration in health is allowed even in circumstances where you find yourself in an unfavorable situation outside your homeland. When calling the Sberbank insurance consultation center after a deterioration in health, the client receives full information about next steps, even if he is abroad.

In case of illness, injury, or death, you should contact Sberbank with medical documents and papers that allow you to establish a relationship.

Family protection

The “Family Protection” policy from Sberbank Insurance is suitable for those who are committed to protecting those closest to them in situations of injury, death, or disability. Thisvoluntary life and health insurance V Sberbank Life Insurance,which allows you to include in the contract the following categories of insured:

• Spouse (s) in the age category 18-70 years;
• Children who may be infants over 2 years of age, as well as adults who have not crossed the threshold of 50 years;
• Grandchildren whose age ranges from 2-30 years.

An insurance policy from Sberbank, when a person is trying to protect loved ones in situations of threat to life and health, contains two programs:

• Economy – the conditions apply to the protection of the policyholder (18-70 years old) and grandchildren (over 2 years old) under the risk of “Injury”;
• Comfort – does not apply only to personal protection contracts of the payer.

The “Comfort” package differs from the standard parameters of life and health insurance by the fact that the relatives of the policyholder or the beneficiary of the policy receive insurance compensation in the event of the death of the payer or assignment of disability.

After collecting all the documents, they must be sent to the company’s office by registered mail or brought in person. Since the company has only one office and is located in Moscow, the preferred option for citizens living in the regions is postal or courier delivery.

At the time of receiving a loan, many borrowers receive an offer from bank representatives to take out an insurance policy voluntarily. It is necessary to take into account what life and health insurance is when lending at Sberbank and what its advantages and disadvantages are.

The policy is issued with a separate organization in a bank office.

Thanks to this policy, payments are provided in the event of:

• loss of productivity due to health problems;
• fatal outcome.

Is insurance required when obtaining a loan (mortgage) from Sberbank?

After communicating with bank employees, not everyone fully understands whether insurance is a mandatory or voluntary condition when obtaining a loan or mortgage from Sberbank. More about this in .

Insurance rates

At the moment, several insurance programs are provided, which differ from each other in the list of insured events. Under the terms of one program, various situations are provided for: injury, illness, family circumstances, dismissal from work. Thanks to another universal offer, you can choose the most likely risks for yourself. Cost of insurance:

For a complete list of life insurance rates at Sberbank, see.

The bank or other persons can be indicated as the beneficiary (with the exception of a housing loan). If an unforeseen situation occurs, the insurance company will pay the debt. As a result of designating a private person as a beneficiary, he will receive transfers that he can dispose of at his own discretion. The loan will have to be repaid by the immediate heir of the borrower (in the event of death).

Full insurance repayment of debt

It must be borne in mind that full debt repayment can only be made in certain situations: disability or death that was caused by an accident or illness. In case of temporary loss of performance, the insurer will pay monthly premiums instead of the client, but only for a documented period of time.

Documentary confirmation:

• certificate from the authorized body;
• sick leave.

Voluntary life insurance at Sberbank

The price of health and life insurance issued at Sberbank is directly dependent on the loan amount. You are offered to use this program at the time of submitting an application for it. If you have a policy, bank representatives say there is a much greater likelihood of receiving a positive decision.
When concluding an insurance contract, you should consider:

• The policy is issued at will, i.e. is voluntary;
• it can be canceled within a month after receiving the loan.

Many clients often resort to the latter option. As a result of taking out a policy, they not only increase their chances of getting a loan, but also receive a much larger amount of borrowed funds.

Is it possible to refuse insurance?

Life and health insurance when lending at Sberbank can be canceled at any time. In addition, funds already paid will be returned.

The refund amount depends on the term of the contract:

• the entire amount - in case of refusal after 30 days;
• half of the funds - for 1-6 months;
• a small part of the amount - after 6 months.

These funds can also be returned in a situation where the loan has already been repaid and the insurance period has not yet expired. It is necessary to submit an application with a statement of absence of debt received from Sberbank. It is necessary to take into account the possibility of disagreement of representatives of the insurance organization to accept such a statement. In this case, you can defend your rights in court.

Cancellation and return of insurance

Situations of termination of the contract:

• the borrower does not want to continue using the services of the insurance company. It is required to submit an appropriate application, after which payment of already repaid contributions is made;
• in the event of an illness specified in the contract. As a rule, at the time of signing the insurance contract, it is necessary to present documents confirming the absence of these diseases. But, when receiving a loan and simultaneously insuring the client, they are not required;
• the occurrence of insured events that were specified in the contract. The company pays off the debt and the policy lapses.

Payment for an insurance policy

When issuing a loan, a life insurance policy with Sberbank is issued for one year. After completion of this period, it should be extended until the end of the total credit period.

Payment methods:

• included in the body of the loan;
• are paid separately from the loan once a month.

The first option is very often offered by the bank. Thanks to this method, you can repay the loan with a total installment and not think about other payments.

Insurance programs

It must be taken into account that the bank benefits from the execution of the insurance contract. If the borrower is unable to repay the debt, the insurance company assumes these obligations.

Credit insurance

Insurance program "Head of Family"

Any of the proposals provides protection for the borrower’s loved ones if an incident occurs that results in disability or death. Life and health insurance when lending from Sberbank certainly plays into the hands of all members of the borrower’s family.

The Home Protection insurance program will provide insurance protection for your apartment or house in case of the most common risks.

Travel insurance

Will help you insure against unforeseen problems when traveling abroad.

Accident and illness insurance

Will provide you and your loved ones with reliable insurance protection in case of unforeseen health-related circumstances.

Insurance of collateral for housing and car loans for individuals

Insurance program for real estate and vehicles purchased on credit.

Insurance for bank card holders

Insurance of means of payment is reliable insurance of your bank card and the possibility of returning lost funds in the event of an insured event.

Endowment life insurance

A life and health insurance program with the possibility of accumulating a predetermined amount by a certain date and the possible receipt of additional investment income at the end of the program.

Will provide an opportunity for relatives to receive financial assistance in the event of adverse events that affect the health and life of the family breadwinner.

Protecting loved ones Online

It will provide you and your loved ones with reliable insurance protection in the event of adverse events.

Protected Borrower Online

Life insurance for the borrower of a mortgage loan from Sberbank PJSC is financial protection of the client’s obligations to the bank in the event of the borrower becoming unable to work or passing away. The client can be confident that the insurance payment from Sberbank Life Insurance will fully compensate for his obligations under the mortgage loan.

Travel Insurance Online

A Travel Insurance policy will provide you with reliable insurance protection in various situations that may arise during your trip.

Accident and illness insurance

Will provide you and your loved ones with reliable insurance protection in case of unforeseen health-related circumstances.

Endowment life insurance

The life and health insurance program makes it possible to accumulate the required amount by a certain date and receive reliable insurance protection in case of adverse events with health and life.

Investment life insurance

An investment and insurance product that combines the possibility of potentially unlimited income and insurance protection.

Insurance services under the Insurance Programs Protection of Loved Ones and Head of Family are provided by Sberbank Life Insurance LLC, 115162, Moscow, st. Shabolovka, 31G, tel. +7 800 555 5595 (24 hours a day, calls within Russia are free). License for insurance SL No. 3692 (type of activity - voluntary personal insurance, with the exception of voluntary life insurance) issued on March 5, 2015 by the Bank of Russia (for an indefinite period). Official site www.sberbank-insurance.ru
Insurance services under the Insurance Programs: Travel Insurance, Home Protection, Card Protection, Mortgage Insurance are provided by Sberbank Insurance LLC, 115093, Moscow, st. Pavlovskaya, house 7, tel. +7 800 555 5557, (opening hours: Monday - Friday from 9:00 to 19:00 Moscow time), licenses of the Bank of Russia for voluntary property insurance SI No. 4331 and for voluntary personal insurance, with the exception of voluntary life insurance SL No. 4331 , issued by the Bank of Russia on August 05, 2015 for an indefinite period). Official website sites www.sberbankins.ru .
The formation and purchase of insurance policies is carried out on the official website of the Insurer providing the insurance service.
More detailed information about insurance policies, a list of insurance risks, exceptions to insurance coverage, the procedure for determining the sum insured and the amount of insurance payment (including limits of insurance liability), the conditions for concluding an insurance contract, as well as other insurance conditions can be found on the websites