Problem solved!
A year ago, I registered in my account on the Sberbank Insurance website, I have “Protected Borrower” mortgage insurance. This year it’s time to renew the insurance, I can’t enter the office, I can’t restore access, because. the system can't find my phone number or email address. Support also says they can't find my registration information. The duty phrase is "technical failure". Those. data is lost and no one is responsible for it? This year I wanted to try to conclude a mortgage insurance contract through my personal account on the site, but who will guarantee that my contract will not be lost, and I won’t hear the magic phrase “technical failure”, which, apparently, should explain everything. And a separate question about the work of "feedback" on the site. After all the negotiations, I used the "feedback" service to create an application for the problem that had arisen. After the message that the application was created, I was not provided with information either about the number of the application, or about its status, or about the timing of the application. No messages about the status of the application were received either by phone or by mail.
All funds invested in the insurance program will be guaranteed to be returned to the client at the end of the program even if the value of the underlying asset falls. The amount and timing of the insurance payment are unconditional obligations of the insurance company and are fixed in the insurance contract.
The investment insurance program allows you to:
- Invest money in the stock market without the risk of losing investments;
- Preserve your capital with the program's tax and legal benefits:
- the taxable base for personal income tax is reduced by the refinancing rate of the Central Bank, the insurance payment made upon the occurrence of an insured event is not subject to personal income tax;
- funds invested in the insurance program are not subject to confiscation, collection, and are not included in the jointly acquired property in the event of a divorce;
- there is no need to wait 6 months to receive an inheritance - if the insurance contract specifies beneficiaries in case of death, the insurance payment is not included in the inheritance and is made to the person indicated as the beneficiary within the time limits established by the insurance contract (as a rule - 30 days);
- the least tax losses when transferring your savings to relatives. - Get reliable protection in case of unforeseen circumstances related to life and health.
The program is implemented by the Partner of the Bank -
The life and health of an individual in the event of an accident, illness, disability or death. The beneficiary may be either the Bank or another person determined by the insured.
Insured events
- Death of the insured person (borrower) as a result of an accident or illness
- Loss of working capacity by the insured person (borrower) and the establishment of disability of I or II group as a result of an accident or illness
- Temporary disability
New Services
- Remote medical consultation
- Second remote medical opinion
Tariff for connecting to the insurance program
Voluntary life and health insurance of the borrower - 2.4% per year
Voluntary insurance of life, health and in connection with involuntary loss of work - 3.6% per year
Voluntary life insurance and in case of diagnosing a critical illness - 3.6%.
Voluntary insurance of life and health of an individual with a choice of parameters - 2.6% per year
The program is implemented in partnership with IC Sberbank Life Insurance LLC (Licenses of the Central Bank SZh No. 3692 dated 07/04/2016, SL No. 3692 dated 07/04/2016. Address: 121170, Moscow, Poklonnaya st., 3 building 1).
The client has the right to purchase protection from any insurance company.
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 a savings 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 from a financial institution will allow you 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:
- For children. Age is taken into account from 2 to 50 years.
- For spouses. Their age can vary from 18 to 70 years.
- On parents. Age up to seventy years.
- 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.
