Protection of loved ones Sberbank insurance - how to apply for it. Insurance programs

In essence, the financial protection program is to protect yourself and your close relatives from force majeure situations, including serious illnesses. When such situations occur, the insurance company pays compensation for treatment and compensates for other losses; the insurance policy covers certain life circumstances, namely:

• payment for inpatient treatment of the insured person;
• payment for medical services;
• financial compensation in case of loss of health during sick leave.

You can purchase an insurance policy either in your own name or in the name of a close relative, including children, parents, grandchildren, and spouses. In this case, the specifics of the insurance will directly depend on the category of the insured person and other circumstances.

• You can insure a child aged 2 to 24 years;
• spouse aged 18 to 65 years;
• parents under the age of 75.

Absolutely all of Sberbank’s services are in special demand among our fellow citizens, because it, like its insurance company, is trusted more. Before considering user reviews about this program, the main advantages of insurance protection should be given. These include:

• quick and easy policy issuance;
• no need to provide documents other than a passport;
• the policy applies to anywhere in the world;
• insurance protection works around the clock;
• a variety of tariffs allows the client to choose the most suitable option for himself.

And at the same time, one cannot fail to note the fact that the program is accessible to a wide audience, given the low cost of the policy. By the way, the cost is 0.9% of the amount of coverage resulting from the occurrence of an insured event. For different age categories, the cost of the policy does not change.

IC Sberbank life insurance is one of those programs that most often attracts clients, especially when obtaining a mortgage loan (does the loan need to be insured?). This allows you to avoid delays in loan repayments when the borrower is injured or suffers a serious illness. In this situation, the life insurance agreement with Sberbank comes into force. The company covers expenses according to the chosen tariff.

The Sberbank Insurance company has developed several programs that allow you to take out insurance not only for yourself, but also for your closest people.

Your concern can manifest itself in the most difficult moments of their lives. By taking out an insurance policy, you can provide your family members with reliable support.

Protection of loved ones from Sberbank will allow you to get the opportunity to effectively restore your health through compensation payments according to the insurance policy.

You can sign an agreement under the “Protection of Loved Ones” insurance programs either in person at a bank branch or on the Sberbank website online. You just need to provide your passport, indicate all the necessary data and pay for the policy.

Payments are made after the submission of the policyholder's application. At the same time, he is obliged to collect the following package of documents:

• the policy itself;
• medical certificates confirming the occurrence of an insured event (results of laboratory and other tests);
• documents confirming the presence of family ties (parents-children, spouse-spouse, etc. according to the type of agreement);
• documents issued by officials or relevant competent authorities describing all the circumstances of the occurrence of insured events.

The package of documents can be submitted in three ways:

• in person at a bank branch;
• via courier delivery;
• by registered letter of the Russian Post.

Conclusion

Types of insurance policy

Who can you take out “Protection of Loved Ones” insurance for? Insurance from Sberbank provides the following options:

• for children;
• for parents;
• for grandchildren;
• for spouses.

Each group has some age restrictions. A policy for children can be issued after they turn 2 years old.

The extreme value of this group is 50 years. For parental insurance, the age limit for concluding a contract is 70 years.

The “Protection of loved ones” policy can provide assistance in a variety of difficult situations throughout almost your entire life. Sberbank insurance guarantees adequate support and the fastest possible payments in cases stipulated by the contract.

Any citizen of Russia can take out a “Protection of Loved Ones” policy at Sberbank for the following cases:

• burns
• fractures
• frostbite
• other serious injuries.

The “Protection of Loved Ones” program from Sberbank Insurance makes it possible to insure the life and health of your relatives in the most reliable and stable Russian bank. Participants in this program receive a number of guarantees. The company undertakes to pay monetary compensation to each client who has taken out insurance, subject to the occurrence of an insured event. Information about all cases against which you can insure yourself is contained in the Rules and Program of Sberbank.

Insurance program Protection of loved ones

The essence of the program is that you can take out an insurance policy not for yourself, but for your loved ones. In difficult times, loved ones are guaranteed monetary compensation from Sberbank. According to the terms of the “Protection of Loved Ones PLUS” program from Sberbank Insurance, you can take out a policy for the following relatives:

1. children;
2. family;
3. for myself.

Each category has its own age restrictions. For example, you can insure a child until he reaches his 18th birthday. Spouse coverage is available for those between 18 and 70 years of age.

Based on this, “Protection of Loved Ones” from Sberbank insurance can support our loved ones throughout their lives.

Insured events of the program

Insured events within the framework of the “Protection of Loved Ones” program from Sberbank Insurance:

• fractures;
• frostbite;
• burns;
• severe injuries.

The insurance contract comes into force 2 weeks after signing. The agreement applies throughout the world: both in Russia and in any other country.

Payments under the Protection of Loved Ones program

You can issue an insurance policy and conclude an agreement either at any Sberbank branch or through the official website online. It is enough to have a passport with you. To receive compensation, the insured must provide:

1. Written statement.
2. Identification document (passport, birth certificate, driver's license, etc.).
3. Insurance policy (original document).
4. Medical documents indicating the occurrence of an insured event.
5. Documents confirming relationship.
6. Documents confirming that this is an insured event (with a detailed description of the situation in which the insured event occurred).

All documents can be delivered to the department in person, sent by registered mail or ordered delivery by courier.

Conclusion

“Protection of Loved Ones” from Sberbank Insurance is a popular insurance program, thanks to which everyone is able to provide their loved ones with financial support. It is impossible to predict the occurrence of force majeure, but it is quite possible to ensure that in such a situation a person is not left without money. The financial assistance that Sberbank pays to victims can be a significant contribution to the restoration of health.

No rating Payout Score: 1

Good afternoon. 07.12.2018 when applying for a consumer loan, under the pretext of refusal to approve the loan, by an employee of Sberbank PJSC S-voy O.G. Voronezh branch No. 9013/0180 Voronezh, Kominternovsky district, Moskovsky Avenue 11, the service “Voluntary life insurance, health insurance and in connection with the involuntary loss of the borrower’s job” was imposed on me. In response to my question about the possibility of obtaining a loan without the above-mentioned service and about the possibility of terminating the insurance contract in the future, SB employee No. 9013/0180 S-va O.G. She answered unequivocally that there was no such possibility. Also, the terms of insurance were not announced to me, an insurance contract and an insurance policy were not issued. The amount of my fee for connecting to the insurance program was 16,615.5 rubles. (Sixteen thousand six hundred fifteen rubles 50 kopecks.)

April 15, 2019 at 17:10 I contacted the Security Service department in order to exit the insurance program and return the insurance amount I paid according to application for insurance No. 511199 dated 12/07/18. My application (in the form of a completed form and an appendix to it - a “handwritten” application in any form) was registered in the SB department No. 9013/0187 as application No. 1904150943615600 dated 04/15/19.

04/18/19 I received a written response to my appeal in SB 9013/00187. The essence of this answer boils down to the fact that “... If you submit an application to terminate participation in the insurance program under
After the specified period, no refund will be made. Thus, in the event of termination of participation in the insurance program according to your application dated April 15, 2018. there will be no refund
produced... ».

However, according to the “Conditions of participation in the program of voluntary life insurance, health and in connection with
involuntary loss of the borrower's job" in clause 5 « Termination of client participation in the insurance program" indicates the following:
« P.5.1. Participation of an individual in the Insurance Program may be terminated early for
based on his written application submitted to the bank division in person... In this case, the return of funds paid by an individual as a fee for connecting to the Insurance Program is made by the Bank in the event of an individual’s refusal of insurance in the following cases:

1) an individual submits a corresponding application to the Bank within 14 calendar days from the date of filing the application provided for in clause 2.2 of these Conditions, regardless of whether the Insurance Agreement was concluded in respect of such person;

2) an individual submits a corresponding application to the Bank after 14 calendar days from the date of filing the application provided for in clause 2.2. of these Conditions in the event that the Insurance Agreement has not been concluded in relation to such a person. In this case, a refund is made to the individual
funds in the amount of 100% of the amount of the Fee for connection to the Insurance Program.
P.5.2. If the Insured individual has submitted an application for disconnection from the Insurance Program after the Insurance Agreement has been concluded in relation to this Insured person, the amount of money returned to the Insured person is subject to personal income tax at a rate of 13% - for tax residents, which is withheld tax agent - PJSC Sberbank at the time of their return."

Please consider my request to terminate participation in the insurance program subject to the return of funds through pre-trial settlement. Otherwise, I reserve the right to appeal to the court and other supervisory authorities to protect the rights of citizens of the Russian Federation.