Raiffeisen life insurance. Raiffeisen life insurance company: insurance programs. Frequently asked questions from users

SK Raiffeisen Life is an insurance company that is part of the Raiffeisen group of companies. If by credit product insurance is supposed to be issued, then by default a contract is concluded with this company. She offers profitable terms cooperation and is a reliable partner for clients.

About company

It is a joint venture between Raiffeisen and Unica Group. The latter is a leading European insurance company that specializes in work in Eastern Europe. The official website of Raiffeisen Life says that the main partners of this organization are Raiffeisenbank and Alfa-Bank.

You can become a client of the company not only during the loan processing. There are several interesting programs that can be arranged in the cities of the organization's presence. Information about where there are branches of this insurance company can be found on the official website or by phone hotline.

Active products

There are quite a few products at Raiffeisen Life Insurance. You need to know what exactly the company offers in order to get the maximum service from it. Today the following applies:

financial protection programs;
insurance for bank borrowers;
health insurance;
critical illness insurance program;
accident insurance.

Financial protection

There are 4 additional programs, namely:

Kinder... Created specifically for underage clients. Parents can open an account in favor of the child and top up it periodically. By the time it enters adulthood, the company gives 100% of its savings to its client and investment income.
Perspective allows you to create a financial cushion. The essence of the product is the same as in the previous case, but the savings are made in favor of the adult client.
Optimum allows you to insure life for a long period. On the offensive insured event the client himself or his relatives receive at least 100% of the invested amount.
Property and heritage Is a program designed to receive compensation in the event of an accident, loss of working capacity or death of a client.

Pay is made only on the basis of documents confirming the occurrence of an insured event. Also, money can be received after the expiration of the contract.

Borrower programs

At Raiffeisen Insurance, a client can insure his life when applying for a loan at a bank. You do not need to personally go to the insurance company: it is enough to fill out a policy issued by a loan officer.

Payment of deposits takes place online according to the available details. It can also be made at any bank, but then a commission will be charged. To make Money just go to the official website of the company, select the section with payment and follow the instructions.

If the client has a desire to continue cooperation with the company after the loan is closed, then the addresses of Raiffeisen Life can be found on the website. All further relations will take place without the participation of Raiffeisenbank.

Health insurance

It's not just about going abroad. Any illness can be considered an insured event. Depending on the type of program, the size of the insurance payment will differ, as well as the list of diseases according to which you can receive payments for treatment.

Accident insurance

Under the terms of this program, a client or his relatives can receive up to 1.5 million rubles. To receive money, you must provide evidence that the loss of ability to work or death occurred precisely as a result of an accident.

Critical Illness Insurance

The list of such diseases includes the following:

tick-borne encephalitis;
bacterial meningitis;
heart attack;
stroke;
oncological diseases.

The maximum payout amount is 1 million rubles.

How to conclude an agreement and pay contributions

Depending on the purpose of contacting the company, you need to contact its employees directly or with Raiffeisenbank specialists. It is possible to get advice on support phone.

Important!

Employees are ready to provide full information support at any stage of cooperation.

If there is no Raiffeisen Life branch in the city where the client is present, then you need to contact Raiffeisenbank. Experts will provide a policy and a contract. You must have a passport and the required amount to pay contributions.

When paying through a bank branch, you must provide details. The commission is usually 1% of the amount. When paying through the website, you must:

specify the type of product;
enter the policy number;
write an e-mail and phone number specified in the contract.

After that, you will need to click on the payment button. The money will be automatically debited from the account linked to this agreement... The payment is received within 3-5 banking days.

Frequently asked questions from users

Often clients or prospective clients ask questions about cooperation with this organization. Here are the main ones:

Where can I get Additional information about products? All information is on the site. You can also get advice from specialists at the service office or by calling the hotline.
Can a person who is not related to the client be a beneficiary? Yes, this is possible. This information will need to be specified in the contract.
How is the cost of the tariff calculated? Everything happens individually, so specialists will not be able to immediately say what exactly a particular client can count on.
How to find out the investment component for the year? You can find out by phone whether in personal account client.

Today, many write reviews about the experience of cooperation with this organization. Most of them are positive, which proves the honesty of payments and the reliability of the corporation.

»Launches voluntary programs health insurance"Standard of Health" and "Standard of Health Plus", created with the support of "UNIQA Group", which has many years of experience in the field of international health insurance.

New programs offer clients expanded medical coverage. In particular, when diagnosing serious diseases, IC Raiffeisen Life will undertake the organization of inpatient treatment and cover all medical expenses. The advantage of new products is a well-chosen set of risks *.

In addition, the programs include the treatment of serious diseases in both Russian and European clinics. According to the program "Standard of Health" the limit insurance coverage is 2 million 113 thousand euros for the insurance year. The extended package "Standard of Health Plus" also provides for the possibility of receiving a one-time payment of one thousand euros in case of diagnosis of a stroke or myocardial infarction and payment and booking of tickets in economy class to the place of treatment and back.

A client under the age of 60 can become a participant in both programs. All you need to do is contact any branch of Raiffeisenbank. The cost of the "Standard of Health" program is 5 thousand 500 rubles per year for children and 15 thousand rubles a year for adults, the "Standard of Health Plus" for children - 8 thousand rubles a year, for adults - 25 thousand rubles a year ... The contract for any program is concluded for one year with the possibility of further prolongation.

“More and more Raiffeisenbank clients seek to undergo treatment abroad, and now, if serious diseases are detected, they are guaranteed to receive the highest quality treatment by choosing a clinic in Europe or Russia at their discretion. A sufficiently high coverage limit allows the client to be sure that, in spite of everything, all his personal financial resources remain protected, ”says Roman Karandin, Head of Bank Insurance at Raiffeisenbank.

“The problem of support in the event of a diagnosis of serious diseases or the need for organ transplantation is being actively discussed all over the world,” says Daria Zhukovskaya, head of the insurance product development group at Raiffeisen Life. - And, although the support from the Russian state in this area is significant, people strive to have their own resources to provide immediate and high-quality treatment in Russia or in other countries. The uniqueness of our product is due to the wide scope of its insurance coverage. At the same time, the "Standard of Health" program can be long-term financial protection in case of deterioration of health in the future. "

More detailed information about the programs of voluntary medical insurance "Standard of Health" and "Standard of Health Plus" can be found on the official website of the company " Insurance Company Raiffeisen Life.

Raiffeisenbank JSC is a subsidiary of Raiffeisen Bank International AG. AO Raiffeisenbank ranks 13th in terms of assets based on Q1 2015 results (Interfax-CEA). According to Interfax-CEA, Raiffeisenbank ranks 6th in Russia in terms of funds from individuals and 9th in terms of loans to individuals based on the results of the 1st quarter of 2015.

Raiffeisen Bank International AG is a leading corporate and investment bank on financial markets Austria and the countries of Central and Eastern Europe. In Central and Eastern Europe, Raiffeisen Bank International operates an extensive network of subsidiary banks, leasing companies and a wide range of other specialized financial service providers in 15 markets. About 54,700 employees of the bank serve 14.8 million customers in more than 2,900 branches, most of which are located in Central and Eastern Europe. Raiffeisen Bank International is a fully consolidated subsidiary Raiffeisen Zentralbank Austria AG (RZB), owning about 60.7% of the ordinary shares listed on the Vienna stock exchange, the rest of the shares are in free float. RZB is the central institution of the Austrian Raiffeisen Banking Group, which is the largest banking group in the country and acts as the head office of the entire RZB Group, including Raiffeisen Bank International.

LLC "SK" Raiffeisen Life " operates on the basis of a license to carry out insurance C No. 4179 77, issued Federal Service insurance supervision on July 3, 2009, as amended on February 1, 2010, July 9, 2010, August 23, 2012 and August 6, 2014. The company offers a wide range of life and health insurance products, is a member of the Association of Life Insurers and the All-Russian Union of Insurers and is among the top ten market leaders (according to the website).

"UNIQA Group" is the leading insurance group in Austria, Central and Eastern Europe with a market share of about 22%. It serves over 10 million clients in 19 countries. The company has two strong brands - Raiffeisen Insurance and UNIQA, which provide a basis for further growth. UNIQA Group operates in 16 countries with the highest growth prospects and also operates insurance in Italy, Switzerland and Liechtenstein.

* The coverage includes cancer and cardiovascular diseases, heart, lung, liver and kidney transplants, etc. More detailed description of insurance risks, full coverage with applicable exceptions, applicable deductible, insurance payment limits and other contract terms insurance is indicated in the insurance certificate, in the insurance program (Appendix No. 1 to the Insurance Certificate) and in the relevant policy conditions. Participation in insurance programs is voluntary. JSC Raiffeisenbank acts on behalf of IC Raiffeisen Life LLC on the basis of an order agreement on 06/01/2010 dated February 8, 2010, general license of the Bank of Russia No. 3292.

Please leave a little feedback about this organization: a few words about the quality of work and your overall impression - help other visitors to make the right choice.
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Nina Rating: 1 Negative feedback 04/03/2017 at 15:15

When I came to write an application for termination of the Raiffeisen Optimum program, on the 2nd working day after the conclusion, I was informed that my contribution would be returned to me only after 2 weeks, and not IN FULL, but minus the tax deduction. They said I need to go to the tax office and draw up a receipt. Disgrace, did not expect such disgrace from Raiffesen Bank.

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Nina Rating: 1 Negative feedback 04/01/2017 at 18:47

Don't get caught. Subscribed to the Raifazen Optimum program. After carefully reading the documents, everything turned out to be not as rosy as the manager had painted. Everything is muddy and, most importantly, it is not clear what I will actually get and whether I will be able to return everything invested, especially the policy for such a long period. I didn't think that such a divorce could happen in such a bank. I am urgently writing an application for termination!

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Alexander Negative feedback 04/14/2016 at 17:01

In 2014, they closed a loan in Raiffeisen, at that moment the manager began to offer us to save money. She was very convincing, she described how wonderful the Raiffeisen Optimum program was, that in two years we would return our money and get 10% of the paid amount. We are fools "were led. We paid 54,000 in two years. After two years it turned out that it was possible to return only after five years, and even then not the entire amount. It turns out that in five years we pay 126,000 rubles, and only 110,000 rubles will be returned to us. But the problem is that we cannot continue to pay, because we were counting on only for 2 years and in the end we will most likely not get anything at all. the power of speech disappears. In general, people Raiffeisen Life is a solid LOCHOTRON. Please, people, if you do not want to lose your money and spend your nerves, bypass this raiffeisen party and do not "get fooled" by the bright prospects of accumulating money, you just give them this to scammers.

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Irina Rating: 1 Negative feedback 02/18/2016 at 23:50

In 2008, she took out a loan in Raiffeisen to buy a car - she repaid the loan ahead of schedule, everything was fine until 2013: in the branch on ul. Barclay worked as an excellent manager who always advised favorable terms. But, the office was closed and a new one was opened, also on the street. Barclay, but another house is not the point. After talking for 4 years with an excellent manager, I was very happy and confident in the bank. In December 2013 I ...
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Helena Rating: 1 Negative feedback 08/16/2015 at 08:35

I was really bred for money in Raiffeisenbank under the Raiffeisen Life (insurance) program !!! Initially, I invested money on the condition of receiving income / investment, insured myself and did not think, I wanted to invest money as savings for children, and the manager offered me this "wonderful" program under the "Life Insurance" contract, they say, and get the investment (he also provided the investment growth table ) and insure your life! But at the end of the term, I did not receive my own money either !!! I will not describe everything, it boils so much that I cannot express it !!! I sent a letter to Rospotrebnadzor, they told me that this was a lawsuit. As I understand it, this is investing again. But will it be true ?!
I consider it my duty to warn every gullible person - do not go to this bank, you will burn yourself !!!

On November 23, 2018, he took out a loan from Raiffeisen Bank. Participation in the insurance program "The most important ultra family" was named as one of the conditions of issuance. In terms of payment - the contract implies an annual payment of 10,990 rubles. Payment mechanism - the amount is debited from the same account from which it is debited monthly payment on a loan (and I have it appointed on the 19th day of each month). Which, of course, is more than this amount.
The employee agreed that in order to extend the program for a year, it would be enough to transfer this amount to the write-off account in a year, and if this does not happen, the program will be stopped.
A month before the end of the program, in early October, I asked the manager in the application chat if the amount would be debited from the account "in the minus", since I did not want to continue its operation. The manager replied that only a positive amount is being debited, therefore, nothing will happen.
On November 24, 2019, an SMS was received stating that the program was stopped. It was also said there that it can be extended if paid until December 24th. To be honest, I did not notice this last line in the rush.
On December 18, I transferred the amount to be debited to a credit account. Here, I beg your pardon, I will be distracted - since the end of November I have been "butting" with bailiffs who BY ERROR assigned me an order to collect funds, and blocked large amount and on my salary card at Alfa Bank, and on credit at Raiffeisen Bank. And for almost a month I had to go to them, until in the end, only on December 17, they told me that everything would be returned, Alfa Bank returned the amount, and Raiffeisen did not react in any way. There was a big minus on the credit account here, and the bailiff gave me a paper confirmation of the cancellation of the collection and a power of attorney so that I personally take it to the Raiffeisen Bank office - and then everything will be returned to me. Imagine what was going on in your head with all this. Plus payment of taxes is also "on time".
In the end, in order to avoid a delay in payment, I borrowed money and transferred it to a credit account. At 16-40. And at 18-30 I decided to go to the application again - and saw a significantly lower amount. I did not receive any notifications of debiting, and even more so, questions whether it is possible to transfer my money from my account without my knowledge. They were simply transferred to insurance.
Of course, I have made a legitimate attempt to cancel this operation transfer, as the money was credited for another purpose - but I was refused with the idiotic wording "the money has already been transferred to the recipient." So what, what have been translated, this is exactly the point of canceling the translation. Here's a story. The bank, of which I am a client, does not allow me to dispose of the funds that I have just transferred to my account. Didn't even ask permission to translate.
Of course, tomorrow I will visit the bank's office, write an application for a refund, etc., but apparently, the main option is to contact Rospotrebnadzor about the direct withdrawal of funds from a private person. In view of the above-described difficult situation and the bank's frankly disregarding attitude, the situation has really hurt.

Raiffeisen Life 12/19/2019 19:33

Dear Customer,

Under the terms of the voluntary group accident insurance program, upon signing the application, the client agrees to the automatic deduction of the program participation fee on an annual basis.
Your appeal was registered under the number CPL000000648500 and sent to Raiffeisenbank for consideration. You will be additionally informed about the results.

Taking care of you,
Raiffeisen Life

18.12.2019 21:35

Company response

In October 2018, upon obtaining a loan from Raiffeisen Bank, an insurance contract was imposed with a company with Raiffeisen Life. The insurance product is "Ultra family"

But the claim is this moment not that.
On November 6 of this year, the bank wrote off without warning insurance premium over the next year. The hotline operator explained that the write-off is within the framework of the contract and they cannot cancel it. But the contract can be closed, which they did.

Then a call to Raiffeisen Life, where they categorically stated that they would not return anything, and termination of the contract does not entail a return of the insurance premium, although all this happens within one operating day.

This is a matter of principle and requires an early solution. Based on this, the insurance company receives an insurance premium in the form of a direct debit of funds from the debit account of an individual. in their "pocket bank", without even warning about the timing and amount of payment.

And how the bank makes a transfer without the order of the account holder and refuses to cancel it on the day of the unauthorized transaction.

I never found my copy of the contract, so I don't even know what I was insured against, what I refused, but still I paid for it.

Bottom line: the scheme of imposed insurance and lobbying for its payment does not fit in any way with the image of the responsible financial institution... Let's see what Rospotrebnadzor and the Prosecutor's Office have to say about this.

Please use caution when contacting these related organizations.

Portal administrator 10.11.2019 18:08

Thank you for your feedback. Taking into account the refund of the insurance fee, please specify, what grade would you like to give to the SK?

Raiffeisen Life 11/07/2019 14:13

Dear Customer,

According to the terms of the voluntary group accident insurance program, by signing the application, the client agrees to the automatic deduction of the program participation fee on an annual basis.
The conditions of the insurance program provide for the possibility of the insured person leaving the program at any time on the basis of an application.
Based on your request, the insurance participation fee has been refunded to your account.
In addition, we inform you that you can get a copy of the insurance contract, if necessary, by contacting Raiffeisenbank.

Taking care of you,
Raiffeisen Life

06.11.2019 23:47

Company response

Good day!

I have been a client of Raiffeisen Life for over 8 years, and have used the programs accumulative insurance life from 18 years old.

I finished one and opened the next. I see a lot of sense in this ..

But there are moments in life that are not associated with disability due to health, but, on the contrary, with pleasant events such as the birth of children .. And leaving maternity leave..

in income, I naturally fell, but continued to save from family budget... Already delays began to appear, and they called me, reminded me, asked .. even then everything was somehow humanly ..

And then the divorce, decree and obligations that were formed at the time good income and absence financial literacy... I was forced to close the program and pull out the redemption amount in order to close the costs at the moment.

I wrote a statement with tears, knowing that I wanted to send this 1 million to a good Anglo-American school for my daughter.

How did the insurance company behave?

My process was handled by X-na Yulia and K-va Marina, and I want to express my deep gratitude for their patience and for their prompt approach. Yes, there are payment regulations ..

But I just asked .. I asked for specific numbers to help get the amount .. and I had it. I asked 100,500 stupid questions about tax deductions and so on, they promptly provided me with all the statements, answers, and I did not feel that since I was no longer a client, they scored me and dealt with current issues. It's so rare ..

I will definitely come back to good level income and I will open new programs for children in Life.

thanks for sharing this difficult period .. and supporting 🙏🏼

Raiffeisen Life 10/16/2019 10:45

Dear Customer,

Thanks for sharing your feedback and personal experience acquisition of endowment life insurance programs. We hope that soon you will be able to confidently form targeted savings for children again, which will help them to ensure a successful start in life even in the event of unforeseen circumstances.
We are very pleased that you noted the competence and attentive attitude of the employees who participated in resolving your issue.
We will do our best to continue to meet your expectations in terms of the provided service and insurance programs.

Taking care of you,
Raiffeisen Life

16.10.2019 9:46

Company response

I want to express my very bad opinion about the Bank's Insurance Company !!! In February, my mother suddenly died. Before that, she took out a loan with insurance 800 thousand.

I turned to the department to consult my situation, to which the employees answer me with great confidence that I need to collect Required documents For payout insurance compensation... I am in a position up to 9 months. Pregnancy ran around collecting documents, worn out all the nerves, because the staff, incompetently advised me. In general, in the end, the insurance company refuses me, referring to the autopsy report, there was ethyl alcohol 0.69% in the blood. Moreover, it is written in the act that Mild Intoxication IS NOT THE CAUSE OF DEATH !!! DIAGNOSIS "LIVER CERROSIS". And the blood could contain alcohol from drugs !!

For the Bank, the death of a person is not an insured event. Terrible. Employees do not know the product at all, just to sell it without demand at all, to get a bonus for it, deceiving customers. For what I ran for six months, collected documents, if in the end they made a refusal. Why did not they reconsider my claim, review my appeal again, draw Special attention to the Autopsy Report (clauses 2.2, 2.3, 2.4), where the cause of death is clearly spelled out !!

Mom still had a loan of 500 thousand in another bank, also with insurance. The bank recognized it as an insured event and paid compensation. Although, the clauses in your contracts are the SAME TERMS. And where is the justice ???

Dear Clients, I advise you, in no case, do not take out these senseless insurance, paying for them not in small amount... Be sure to check the loan agreement and read what you are signing, now the employees do not even inform the client, they silently draw up insurance and that's it, or they confront the fact that they won't give a loan without insurance. All this is a lie!

You will not wish your enemy, Find yourself in such a situation, suddenly lose your own mother, being pregnant, and Stay with a small child in debt 850,000, having nothing to do with this loan. After all this, there is no desire to go to Raiffeisen, And advise the Bank to people. They left a terrible impression.

Portal administrator 01.10.2019 8:34

Thank you for your feedback! Let's wait for the response from the UK.
11.11.2019 We are very sorry that you are in such an unpleasant situation. Unfortunately, we cannot set off the assessment, since the SK operates under the Insurance Contract. Your review remains publicly available to other users.

Raiffeisen Life 10/02/2019 9:18

Good day,

First of all, let me express our sincere condolences for the loss of a loved one.
Based on your feedback, we have re-examined medical documents and made an additional request to medical institution to clarify the data.
After receiving them, the case will be considered again. We will inform you about the results additionally.

"Launches the programs of voluntary health insurance" Standard of Health "and" Standard of Health Plus ", created with the support of" UNIQA Group ", which has many years of experience in the field of international health insurance.

In addition, the programs include the treatment of serious diseases in both Russian and European clinics. Under the Health Standard program, the insurance coverage limit is EUR 2,113,000 per insurance year. The extended package "Standard of Health Plus" also provides for the possibility of receiving a one-time payment of one thousand euros in case of diagnosis of a stroke or myocardial infarction and payment and booking of tickets in economy class to the place of treatment and back.

“More and more Raiffeisenbank clients seek to undergo treatment abroad, and now, if serious diseases are detected, they are guaranteed to receive the highest quality treatment by choosing a clinic in Europe or Russia at their discretion. A sufficiently high coverage limit allows the client to be sure that, in spite of everything, all his personal financial assets will remain protected, ”says Roman Karandin, Head of the Bank Insurance Department of Raiffeisenbank.

“The problem of support in the event of a diagnosis of serious diseases or the need for organ transplantation is being actively discussed all over the world,” says Daria Zhukovskaya, head of the insurance product development group at Raiffeisen Life. - And, although the support from the Russian state in this area is significant, people strive to have their own resources to provide immediate and high-quality treatment in Russia or in other countries. The uniqueness of our product is due to the wide scope of its insurance coverage. At the same time, the "Standard of Health" program can be a long-term financial protection in case of deterioration of health in the future. "

More detailed information about the programs of voluntary health insurance "Standard of Health" and "Standard of Health Plus" can be found on the official website of the company "Insurance Company" Raiffeisen Life ".

Raiffeisen Bank International AG is a leading corporate and investment bank in the financial markets of Austria and Central and Eastern Europe. In Central and Eastern Europe, Raiffeisen Bank International operates an extensive network of subsidiary banks, leasing companies and a wide range of other specialized financial services providers in 15 markets. About 54,700 employees of the bank serve 14.8 million customers in more than 2,900 branches, most of which are located in Central and Eastern Europe. Raiffeisen Bank International is a fully consolidated subsidiary Raiffeisen Zentralbank Austria AG (RZB), owning about 60.7% of the ordinary shares listed on the Vienna Stock Exchange, the rest of the shares are in free float. RZB is the central institution of the Austrian Raiffeisen Banking Group, which is the largest banking group in the country and acts as the head office of the entire RZB Group, including Raiffeisen Bank International.

LLC "SK" Raiffeisen Life " operates on the basis of the insurance license No. 4179 77 issued by the Federal Insurance Supervision Service on July 3, 2009, as amended on February 1, 2010, July 9, 2010, August 23, 2012 and August 6, 2014. The company offers a wide range of life and health insurance products, is a member of the Association of Life Insurers and the All-Russian Union of Insurers and is among the top ten market leaders (according to the website).