Insurance company Oschadbank insurance. What is provided by the orderly legislation of Ukraine? How is insurance provided against accidents and illnesses?

For a large penny loan from Oschadbank, the client is obligated to additionally insure his health and life. What this type of insurance is, in what minds it is needed and in what situations it is necessary, will be revealed later.

Services for disability insurance at Oschadbank

Mortgage insurance is issued to Oschadbank at the time the loan agreement is signed. The price of the policy depends on such factors as the state of the property that is being purchased, its quality, the pricing policy of the seller, as well as the special characteristics of the recipient (age, profession, health status, etc.) given).

At this time, apartment insurance in Novobudovo is underway for the program “Zahist Budinka” . The total amount of payments when the insurance claim is reached can be 450,000, 600,000, 1,400,000 and 2,000,000 rubles.

Another product from Oschadbank is called "Mortgage Protection Online" . Umovi insurance:

• risk to lie in the amount of excess debt for a loan issued by a financial company;
• the agreement is concluded at the time of the mortgage agreement with the bank;
• term of registration - 5 times;
• period of validity – 12 months;
• Mozhlive prodovzhennya.

Payments will be made if the damage will be given to the damage caused by the fire, veins, earthtruder and other furnishings.

Vartist

Most often, the property of the policy lies in the amount of the mortgage agreement. So, if a physical person took the jar from the jar:

• 450,000 rubles warehouse insurance 1,750 rubles per river;
• if you withdraw 600,000 rubles, you will need to pay 2,250 rubles for insurance;
• for 1,400,000 stock payment 4,950;
• for 2,000,000 the payment amount will be 6,750.

How can you manage to pay off your mortgage before the deadline?

The owner has the right to promptly pay off his mortgage debt to Oschadbank. If the loan is closed, then the client is responsible for asking for a proof of repayment to the debtor, which must then be submitted to the insurance company as a form of further payments for the policy. In the event of partial repayment of the mortgage, the amount of the loan will be reinsuranced, and the value of the policy will also be changed.

Life and health insurance through Oschadbank

There are two types of life insurance when applying for a mortgage loan at Oschadbank:

• Obov'yazkova - is presented to all clients with a method of keeping hair dry.
• Voluntary - issued for the duty of the employer.

In this case, the resident has the right to be considered for service to the guard at any time. If it lasts for 30 days, the full amount of the policy will be returned, after 1-6 months - 50%, after 6 months - only a small part.

Umovi, vartіst

Oschadbank of Russia offers several life and health insurance programs at the time of mortgage registration.

"Head of the family" - The amount is paid in case of current disability of the 1st - 2nd groups as a result of an accident, in case of death as a result of an air or railway accident. The price of the policy ranges from 900 to 4500 rubles per river. Insurance can be issued for a loan in the amount of 300,000 - 1,500,000 rubles.

"Zahist of loved ones Online." This proposition will provide the boss and his loved ones with reliable protection in the event of adverse events. The risk is to lie in the hidden amount of the insurance company. For credit:

• 1200000 fee adds up to 900 rubles,
• for 1400000 - 1800,
• for 2000000 - 4500.

"Positioner of thefts" . This type protects the client from loss of efficiency or death. The term of the contract is 1 term due to the possibility of extension.

"Zakhist mandrivniki online." The amount of the payout is:

• 15 thousand dollars for Russia,
• 35,000, 60,000 and 120,000 euros - the whole world, Crimea of ​​the Russian Federation and the USA,
• 60,000, 120,000 dollars - the whole world, around Russia.

The agreement can be concluded for a period of 2 days until the end.

“Like accidents and illness.” This is voluntary insurance. River variety:

• 3.09% on the loan amount to insure against the loss of work,
• 2.09% - with insurance against loss of health and life,
• 2.6% per river – if the client selects the protection parameters.

Documents

When applying the procedure described in the policy to withdraw due payments, the client is required to submit the following documents to the bank:

• statement about recognition of disability;
• medical certificate confirming the diagnosis;
• a display about illness with a medicine card;
• death act;
• certificate of birth, issued by the competent authorities;
• Other papers confirm what happened.

After analyzing all the documentation and further considerations, the agent will proceed with the necessary cleaning of the victim’s shell.

Auto insurance OSACV in Oschadbank of Russia

Another service that Oschadbank of Russia provides to residents is the issuance of OSACV policies for various types of transport means. Auto insurance is expanding both for passenger cars and commercial vehicles.

Insurance risks include:

• damage to technical specifications as a result of a road traffic accident;
• car theft by criminals;
• the seizure of a Skoda car by third persons.

Compensation for damage due to the insurance policy is determined as follows:

• 500 thousand rubles, since the Skoda benefited from the health and life of the client;
• 400,000 – when the zbitki was in charge of the lane.

Umovi, vartіst, documents

Now let's look at the list of documents that will be required to be submitted to Oschadbank to issue an OSACV insurance policy.

So, for insurance, prepare the following:

• identity of the individual (passport) of the Russian language;
• water news;
• transport passport;
• vehicle diagnostic card;
• application for the completion of the insurance contract.

On the basis of the transfer of assets, the OSACV is registered in the name of the physical entity who is the holder of the TK. Also, the policy is registered with PIB osib, which has the right to carry out this transport procedure.

The insurance coverage of OSACV will be insured individually, depending on the characteristics of the car (year of manufacture, model, engine type, mileage, etc.) and information about the client (age, social development, etc.).

An insurance claim arises if the owner of the policy has lost the road traffic accident and caused harm to other participants in the accident.

Let's take a look at what life and health insurance transfers to Oschadbank.

When applying for a loan, everything depends on the insurance provider’s proposal to the bank, sometimes even intrusive, about the voluntary insurance policy. Why did you want to see such service? Below we describe the main advantages and shortcomings of life insurance at Oschadbank and get to know the nuances of this procedure.

Features and minds

All services related to life insurance and health of the employer at Oschadbank are covered by a legal entity. However, the issuance of a policy is allowed during the hour of withdrawal of credit from various branches of the financial organization. Such a document is intended for insurance of the recipient's health and life.

Thus, there are two main risks - waste of usefulness and death.

Insurance rates

What are the tariffs for life and health insurance at Oschadbank?

There are a large number of options: injury, illness, family situation, illness. In addition, there are a number of programs that are divided into a list of options, and are also universal, as long as it is possible to select a variety of options at the discretion of the authorities.

They are subject to tariffs:

• wastage of usefulness and life insurance: at the rate of 1.99%;
• health, life and unkind waste of labor: 2.99%;
• Select insurance options: 2.5%.

It is allowed to designate a beneficiary bank or other person (except for a mortgage loan). When choosing the first option, it is clear that in an unforeseen situation, the insurance policy will often be paid off by the insurer. If a person is recognized, there is hope for a payment, and then you can quickly use it for the government’s duties. The loan is responsible for repaying the debtor's debt, since he died.

What does the program “Voluntary life and health insurance” give to Oschadbank?

Extinguishing debt in real life

It is necessary to understand that it is impossible to pay off the debt only in such situations: disability and death, which resembles an accident or illness. If the employer has immediately wasted his time, the insurer will pay the obligatory monthly payments in lieu of him, except during the period that is confirmed by the following documents: confirmation from a related organ; medicine leaf.

Voluntary insurance

Direct registration of life and health insurance at Oschadbank is provided by the branch, which may depend on the size of the loan. Already at the stage of submitting an application, the applicant is instructed to submit to such a proposal. It’s up to you to think ahead about what you need in this situation. Often, insurance providers insist that the loan will be issued due to the client’s insurance policy.

However, please keep in mind the following features:

• The policy is voluntary and the client has the right not to issue it;
• Once the insurance contract has been signed, the policy can be issued for up to a month after the loan is withdrawn.

Competent managers often go to the last option. In addition to increasing the possibility of withdrawing credit, they also withdraw the amount of deposits for insurance, thereby increasing their own position size (as the required amount is a little larger, which is not determined by the financial system).

Possibility of type of insurance

The customer has the opportunity to check out at any time and repay the amount paid, the amount of which is determined by the date of subscription:

• all sums if the application is submitted no later than thirty days;
• 50%, if one month has passed before due date;
• insignificant parts, since the last week had passed.

You can renew insurance for a similar amount for the need to repay deposits after the loan has been paid off under the policy term, without passing. In this case, the procedure involves writing an application, indicating all the nuances of the transaction with the insurer and the bank. As an addition, there is a connection with the financial system, which refers to the existence of debt. It is necessary to prepare for the support of health workers, as they will be discouraged by the acceptance of such statements. Please remember your rights and ensure that the procedure is carried out in accordance with the law.

Life and health insurance policy

With a loan from Oschadbank, life and health insurance can completely cover the period of the loan. The forest itself is most often seen on the river. Moreover, when the term ends, you will need to continue to chew it, many times when it comes to mortgages.

Payment

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

• several thousand payments per hour for repaid positions;
• included in the loan amount.

Another method is most often promoted by the bank. It is also convenient for the employer, since it allows you to make one payment, for whom everything is already insured.

Credit

What else does the life and health insurance program transfer to Oschadbank? Why do you want to lose your respect?

The insurance company sometimes withdraws deposits for the entire hour of crediting. Practice shows that less than 6% of all claims are paid by the insurer. The likelihood of an accident occurring in such a manner is low. Therefore, the policy is not required for short-term loans, and for the depositor it is completely voluntary.

Mortgage

What is the obligatory life and health insurance for a mortgage at Oschadbank?

For the client, life insurance is more advantageous with a mortgage, since it can cost more than a dozen risks. This is an important term and we will not declare to protect ourselves from various unforeseen circumstances. On the other hand, for familiar clients the bank reduces the rate. For example, the mortgage payment is reduced by 1%, the same as for orders without a policy. The client can set such a reduction and insurance policy in order to cover the benefit for a specific event.

On the other hand, on the legislative level, when applying for a mortgage, the obligation to insure against hearing loss is fixed, which is the object. Tse respectfully vrahovuvat. In the event of a loss of strength, we will extinguish the insurance at the borders of the warty of indestructibility. After all, it is necessary to pay off the deposits and secure the main line; the client may not be deprived of funds for the policy (and the amount of the loan will be replaced by them).

Life and health insurance companies accredited by Oschadbank

Most companies that are accredited for mortgage insurance are allowed to issue a health insurance policy and live well. Another fear." In addition, the following companies must be accredited:

The insurance program “Protection of the Budinka” provides insurance protection for your apartment or cabin in the event of the widest risks.

Insurance of expensive people

We will help you insure yourself against unforeseen problems at an hourly price for the border.

Insurance against accidents and illness

To provide you and your loved ones with reliable insurance protection in case of emergency situations related to health.

Insurance of the outpost lane within the framework of residential and car loans for individuals

Program for insurance of damage and transport benefits added to credit.

Insurance for bank cards

Insuring the cost of a payment – ​​provides reliable insurance of your bank card and the possibility of repaying the spent costs in the event of an insurance loss.

Accumulate life insurance

Life and health insurance program with the possibility of accumulating the designated amount before the end of the line and the possibility of withdrawing additional investment income after the end of the program term.

No rating Payment price: 1

Good afternoon. 12/07/2018 under the hour of registration of a living loan, under the drive of the approved loan, the spivrobitnitsa PAT Oschadbank S-voy O.G. Voronezk branch No. 9013/0180 r. Voronezh, Kominternivsky district, Moskovsky Avenue 11, the service “Voluntary insurance of life, health and in connection with the involuntary loss of work of the post-employee” was imposed on me. In my opinion about the possibility of taking off a loan without a designated service and about the possibility of extending an insurance contract in the future, SB No. 9013/0180 S-va O.G. She clearly confirmed that there is no such possibility. Also, I was not informed about the insurance policy, without seeing the insurance agreement or insurance policy. My payment for connection to the insurance program was 16,615.5 rubles. (Sixteen thousand six hundred fifteen rubles 50 kopecks)

15 April 2019 about 17:10 p.m. I contacted the Security Service department with a method to exit the insurance program and return the insurance amount I paid for insurance application No. 511199 dated 12/07/18. My application (in the form of a completed form and an addendum before it - an application “by hand” in a more complete form) was registered with the branch of the Republic of Belarus No. 9013/0187 as registration No. 1904150943615600 dated 04/15/19 r.

04/18/19 I received a letter in SB 9013/00187 to my husband. The essence of this line comes down to the fact that “... Once you have submitted an application for participation in the insurance program for
Once the designated term is completed, payment refunds will not be processed. Thus, we have accepted participation in the insurance program for your application as of 04/15/18. I won't pay back
prepared... ».

Prote, for “Umovy participation in the program of voluntary insurance of life, health and connection with
unkind waste of the employee's work" in clause 5 « Participation of the client in the insurance program» is designated as follows:
« P.5.1. The participation of an individual in the Insurance Program may be assigned in advance to
on the basis of my written application submitted to the bank at a special place…. In case of reversal of the costs paid by an individual as a connection fee to the Insurance Program, the Bank must check with each individual for insurance in the following cases:

1) submission by an individual to the Bank of a certified application within 14 calendar days from the date of submission of the application submitted to clause 2.2 of these Umms, regardless of the fact that there is an Insurance Agreement for such person;

2) submission by an individual to the Bank of a certified application after the completion of 14 calendar days from the date of submission of the application submitted in clause 2.2. There are many minds because the insurance contract was not in place for such an individual. When does a physical change occur?
Costs per size 100% of the amount Pay for connection to the insurance program.
P.5.2. Since the Insured person has submitted an application for inclusion in the Insurance Program after the Insured person has completed the Insurance Agreement, the amount of money that the Insured person receives is subsidized by the person’s income personal tax at a rate of 13% - for tax residents, which is settled by the tax agent - PAT Oschadbank at the time of their turnover.”

Please take a look at my letter about participation in the insurance program for the loss of money in the order of pre-trial regulation. Otherwise, I will deprive myself of the right to bring before the court other supervisory bodies in order to protect the rights of the citizens of the Russian Federation.

Protecting other people's lives is one of the most important and main priorities of Oschadbank. Its activity began in 2012, when from this hour until the beginning of 2016, M.B. Chernin, who became the head of the Committee of the All-Russian Group, directly focused on the formation of life insurance. In the fall of 2012, the organization changed the name of LLC IC “Sberbank Insurance” and began to officially provide life insurance to residents.

TOV SK Oschadbank life insurance - official website is one of the leading valuable papers on the market and protects the population. The rating of banks includes up to three of the strongest companies in the territory of the Russian Federation. Over 9 months, the amount of insurance increased and became 46.8 billion rubles, which is a colossal result.

TOV SK Oschadbank life insurance has a single shareholder - PJSC Oschadbank. Vin accepts insurance programs. You can buy Sberbank Life Insurance products at various Bank offices throughout the Russian Federation. Programs for insuring communities are state-of-the-art, which, starting in 2012, became generally available in 1948 service areas of Oschadbank.

Programs directly for life insurance

“Family asset” - the bank provides protection in the event of the death of one of the family members, and at the same time accumulates finances until necessary. As an advantage we can name an addition to the expanded list of additional risks. As it turned out that the citizen became unemployed and lost his disability, then all payments fall on the shoulders of the insurance company. This program will provide a real chance to solve problems for your family in situations that have never been dealt with. Simplicity of registration - all you need is a passport.

“First Capital” - gives cash to the child’s address after the insurance line has been completed. All the difficulties up to accidents are similar to the previous programs.

“Protection of loved ones” - a purpose for insuring all members of the family. Additional assistance from the insurance company is available in cases of injuries of varying degrees of severity, fractures of the musculoskeletal system, injuries, injuries. Insurance risks include car accidents and the death of one of the family members. The zakhist proceeds continuously for the indicated hour.

The “Children's Educational Plan” allows you to create a small financial sum that will be available at the time your child enters the university to pay for necessary services.

“Moderate insurance” is a useful service that allows you to accumulate small sums of money. This is enough for you and the members of the family to get rid of the long-awaited penny protection in order to get rid of unfriendly minds. There are health problems and Oschadbank will probably see 100% of the money paid after the completion of the insurance policy agreement.

“Spadshchina” - creates the ability to transfer or give money to relatives. After the contract is completed, Oschadbank transfers to the registered beneficiary the exact amount of insurance. This program is differentiated from others in order to ensure the precise legal protection necessary for mine super accounts. This program's parameters include the adjustment to the final payment of additional investment income.

Company programs that include investment and life insurance

“SmartPolis” is a universal, best solution for thoughtful investors. This program of Volodya is the only strategy of its kind to work and control the stock market to address existing risks. Great investment returns are steadily increasing. Oschadbank will ensure the complete security of deposited funds. This program is also good because it provides additional protection from life’s unfortunate events.

"SmartPolisCoupon" - gives a good opportunity to withdraw the actual agreed amount when all criteria are considered. This is great for people, so it is for business. p align="justify"> Another advantage lies in the fact that the actives are basic, so the stench will be noticeable to the skin, in which case you can see the whole picture of the process with open access.

A program that provides insurance for vehicle insurance

This service is directly related to the collective voluntary insurance of citizens, who take the positions of PAT Oschadbank of Russia / LLC “Setelem Bank”. This package of services transfers a penny-worth of protection to the employer, as the situation may not be transferred.

Service packages directly for life insurance from Oschadbank LLC

“Head of the family” - is intended to protect relatives from harm in case of misfortune with the head of the family. Before the transfer of insurance, the following unfortunate events are included: frostbite, thermal injuries, accidents, death. This program is good for new clients of the Bank.

“Protection of loved ones PLUS” allows you to create penny protection for a physical or legal person or relatives whenever there is a need for non-transferable expenses for the treatment of one of them. Unfortunate episodes are similar to the previous program.

The “safety cushion” will protect the population and their family from unpleasant situations that lead to health problems or problems in life. In any situation that has not been dealt with, it is possible to create a penny-wise security, and thus allow you to maintain a stable level of life, because... The number of pennies needed significantly exceeds the size of the contribution made.

“Corporate insurance program” is aimed at insuring large and small enterprises, as they say about their employees. Upon contracting the price of service, all employees of the organization are insured against non-transmissible illnesses and health problems.

By what method was this program created?

Directly protecting clients has become relevant in the insurance market, so Oschadbank has not become a culprit for anyone. IC "Sberbank Life Insurance" was officially approved in 2013.

Health care workers are trying to create a new guarantee that you and the members of your family will be under reliable protection and will be able to enjoy life without interruption, without fear for tomorrow. unconcerned with an unfavorable result.

Oschadbank is committed to serving every client and aims to satisfy the needs of all people individually. It is important that you live full lives without fear.

Replacement of the removed

Oschadbank rejects the highest ratings from rating agencies. One of the most important is the reliability rating. The company "Expert RA" has rated Bank's work A++ for reliability, responsiveness of service and expansion of the list of services, which is the highest level of reliability. The rating agency “Expert RA” - A.hr also took away the greatest score from the attractiveness of the robot seller.