The services of various financial organizations are becoming increasingly relevant and in demand. More and more consumer loans are taken and credit lines deposits are opened, property, life and health are insured. Auto insurance is absolutely necessary for all vehicle owners. Public transport drivers are required to insure not only themselves and their car, but also the safety of passengers. And when you choose a company that, in the event of an insured event, will indemnify for damage, you should carefully consider the candidates present in this segment of the services market. It is important to choose an organization with a good long history in order to protect yourself from one-day firms that will not bring benefits. In this article we will pay attention to such a giant in the field of financial transactions in the Russian market of services as Russian Standard Insurance.
Bank History
Russian Standard Insurance Bank began its history in 1999. At the moment, it has been operating for 17 years. This is a considerable period for which he managed to establish himself as a reliable partner. At present, Russian Standard Insurance is one of the leading and largest financial institutions in the country. Great attention is paid to corporate ethics and discipline, since communication with customers in an appropriate form is one of the most important conditions for the existence and functioning of a successful organization. New offers, programs and products are constantly being developed. The Bank does not remain conservative in terms of its list of services. The constant expansion of the list, innovations that have not yet reached the competing structures, put forward the "Russian Standard Insurance" to the finish line with a huge handicap for the rest. The bank is loyal to its customers, with understanding refers to life situations and necessities. Therefore, it can be counted on in case of difficulties with the financial situation. Below we will analyze the bank's programs in more detail.
Loans
One of the largest areas of activity of any financial institution is lending to the population and legal entities. Accordingly, this sphere brings a large share of profit. For individuals, loans are provided in the amount of three to three hundred thousand rubles. The terms of the loan can be from three to twenty-four months. An application is considered from a few seconds to three days. Basically, thirty minutes is enough to obtain approval or denial of a loan. Interest rates - from 20 to 46 percent of the amount.
Deposits
At present, the bank offers about five deposit programs with varying conditions. Among them there are replenished, with the possibility of interest removal, with the calculation of interest on the deposit monthly, quarterly or at the end of the term. They also differ in terms of time: money can be placed for a period of three months to two years. Interest rates on deposits range from eight percent to fourteen. In addition, “Russian Standard” is included in the deposit insurance system, which will avoid losses in unforeseen situations. Placing temporarily free cash is a wise decision that will prevent the depreciation of savings and provide a small but stable income. In addition, storing money in a bank is much safer than at home.
Credit and Debit Cards
Credit and debit cards are a separate part of the services of banking organizations. There are so many varieties of plastic cards that it’s easy to get confused.Each of them has its own benefits and bonuses, which cannot but rejoice. The Bank provides regular customers with a reduced rate on credit lines, reduces the amount of annual services, and often raffles out all kinds of prizes. There is the concept of "cashback". It means that part of the spent amount is returned to its owner in the form of bonuses that can be spent on various needs and things in the stores of the program partners. There are so-called traveler cards. Their plus is that the spent rubles are converted into the ability to receive tickets at great discounts or even free of charge. These cards are used for quick currency conversion, which is convenient when traveling abroad. In addition, there is a separate program for the owners of such financial instruments, which is offered by Russian Standard Insurance CJSC. Traveler reviews allow us to conclude that with such a card you feel much calmer and easier when traveling, to resorts or on business trips.
What about insurance?
Russian Standard: deposit insurance system
The deposit insurance system is a guarantee of the return of funds placed by individuals and legal entities in the event of the termination of a credit institution. That is, if the license is revoked from the bank, the depositor will receive his savings back, without waiting until the liquidation of the financial institution and the sale of his property are completed. The Deposit Insurance Agency (DIA) is responsible for the return of funds. All banks included in this system automatically insure their customers. No additional contract is required. Compensation for all accounts and deposits in one bank is made in an amount not exceeding 1,400,000 rubles.
Bank "Russian Standard" deposit insurance also implies. When choosing a placement of funds, it is very important to monitor whether the organization is connected to this program. Recently, with a change in the policy of the Ministry of Finance of the Russian Federation, many banks have been convicted of dubious activities and deprived of the corresponding license. Those depositors who reasonably turned to banks with insurance support received their funds back, while others were much less fortunate. And to lose excessively acquired is always not the most pleasant event. However, the clients of the structure we are considering have nothing to worry about: Russian Standard Bank was one of the first to join deposit insurance.
There are two possible options for an insured event in which payment is made to depositors: the first is the cancellation of a license issued by the Bank of Russia for banking operations, the second is the introduction by the Bank of Russia of a ban on satisfying creditors' claims. In these cases, the depositor must submit documents to the DIA. Within three business days after this action, payments to depositors begin.
There are exceptions. Russian Standard Bank does not take into account some cases in the deposit insurance system. Among them: bearer deposits, cash and accounts of lawyers and notaries, cash on trust management deposits in foreign branches, money transfers for which it was not opened account metal accounts and electronic money. In other cases, Russian Standard supports deposit insurance.
Types of insurance
Russian Standard Insurance CJSC is a reliable partner that will protect its customers from unpleasant losses in various areas of life. Insurance is one of the most popular and promising areas in the financial sector. Cases in human life are different, and their consequences sometimes leave people on the verge of life and existence. It is clear that at the present moment without any confidence in tomorrow, and even today, financial stability is out of the question.To prevent most of the unpleasant consequences, Russian Standard Insurance JSC offers its customers various convenient programs. The range of offers includes life and health insurance, property insurance, disability insurance and car insurance (compulsory motor liability insurance, voluntary insurance against theft, various types of damage or theft). But that is not all. Narrow-profile offers include business insurance, financial risks, and lending. Let us dwell on the most popular programs.
Life and health insurance
Every citizen must have appropriate health insurance. This is the very policy that we all take with us when going to the clinic to the therapist, any other specialist, to the dentist, and with whom we go to the hospital for examination or treatment. However, often this document is not enough. Yes, with it you can get free medical care in state clinics and hospitals, but nothing more. In addition, even in municipal institutions, it covers far from all services. For other cases, there is a special insurance program for Russian Standard Bank customers.
There are several types of obligations that the policyholder undertakes. For example, with life insurance, in the event of an accident, the relatives and heirs of the victim will receive material compensation in the amount specified in the contract. Money, of course, will not return a dear person. But you can be sure that the children or spouse will not need for some time. This is especially true if the insured is the only breadwinner in the family.
In addition, by insuring health, you can get an additional amount to hospital payments from the place of work. Often this money is not enough even to live during a period of illness, and what can we say about buying expensive medications and conducting high-quality treatment. But the insured is unlikely to face fate to consider a penny in the difficult period of the disease. And if the healing process is delayed or a serious injury is received that requires rehabilitation and rest for a long time? The situation on the labor market suggests that the majority of people work without observing the rules of labor legislation and even without relevant contracts. An ill employee can simply be fired without waiting for his recovery. And what will the family exist in this situation? As an option - for cash paid by UK. "Russian Standard" life insurance has made one of its leading programs of this kind.
Property insurance
All people carefully save money, buy real estate, expensive furniture, vehicles. Everyone is trying to arrange their own cozy corner, where you want to come after a working day. All the property that is in our apartments is worth a lot of money, and a lot of time of our precious life has been spent on their earnings. But no one is safe from accidents. The neighbors flooded - a new repair did not please the eye for too long; a fire due to a malfunction of the gas system - again, you will have to work hard to bring your home into at least some semblance of a normal human apartment ... Various force majeure circumstances sometimes deprive us of everything that has been accumulated, bought, built. And starting such hard work from the very beginning is an unpleasant prospect. Exit - appeal to the bank "Russian Standard Insurance". By insuring your property, you can not be afraid to stay without a roof over your head or without personal items that are not so necessary but sweet to the heart. Property insurance allows you to protect yourself from theft, fire, flood, floods, many natural phenomena.
Car insurance
Various types of car insurance are offered by many banks, including Russian Standard. Insurance program in this case is very typical. The fact is that the mentioned service is of the obligatory type. In any case, OSAGO. Each car owner is obliged to insure his vehicle in case of harm to pedestrians or other car owners. A car is a high-risk vehicle, it is impossible to predict what the next trip may turn into. Moreover, there is a human factor, and a person, as you know, is not a perfect being, he can fall asleep, lose his vigilance, just don’t notice something. Yes, and frankly violate, aware of his actions, he can also.
The second type of car insurance is CASCO. In some cases, this insurance may be voluntary, in others - compulsory. On his own initiative, the client can conclude a CASCO agreement with SK if he is worried about the safety of his car, his driving skills and so on. The difference between CASCO and compulsory motor liability insurance is that in case of compulsory insurance upon the occurrence of an insured event, the amount of payment is limited by the terms of the contract. In addition, this type of insurance does not apply to situations where the person responsible for the accident was the insured or when the examination confirmed alcohol or drug intoxication and other factors prohibiting driving. In addition, CTP does not apply to hacking and hijacking a car. CASCO insures against all of the above situations. There are times when the existence of such an agreement is a requirement of a car dealership or a creditor bank if a new car is bought on credit or by installments.
Travel Insurance
This program is required for tour operators and is desirable for single travelers and tourists, as well as those who are often traveling around the country and abroad. Such a program also offers "Russian Standard Insurance". Traveler reviews confirm that when traveling, it is better to play it safe from unnecessary troubles. On trips - both entertaining and business in nature - unforeseen incidents can occur: exotic diseases, injuries, deception of guides, hotel owners, disruption of air travel and so on. Depending on the structure of the insurance contract, the company may reimburse the victim for expenses and moral damage received during an unsuccessful trip.
Insurance contract structure
Each credit and insurance company has its own version of the contract, however, the general features, clauses and provisions should be the same. This also applies to Russian Standard Bank. The insurance contract must include the following mandatory clauses:
- Data of the insurer, policyholder and insured person. The first is an insurance company. The second is the one who acts as the person who pays the insurance premium. The third is the one who is insured against any unpleasant cases. The last two may be different persons. For example, parent and child, transport company and driver, and so on.
- Subject of the contract - the basis on which the contract is concluded.
- Insurance Terms The insured persons or property are listed here, how much the person is insured, the amount of the premium, the frequency of payment of contributions, the circumstances in which the insured event occurs, the circumstances that the contract does not apply to.
- Rights and obligations of the parties. Here are listed all the obligations of the parties to each other, as well as ways to prove the occurrence of the insured event.
An appendix may be made to the contract specifying the insured events and their payment to the insurance company depending on the severity of the damage.
"Russian Standard Insurance": reviews
Insurance can become a positive event in the future, and negative, leaving a negative impression. This applies not only to the company "Russian Standard Insurance".Customer reviews suggest that you have to prove your innocence for a long time and quite tiring. This is the bureaucratic system of our country. In controversial situations, the case must be referred to court. Each insurance company tries to protect itself from scammers, which in this area have become very numerous. Too many people are trying to deceive the system and receive insurance payments without the occurrence of an insured event as such. And yet, as practice and reviews show, if no disputes arise, and all the documents are collected and correctly executed, the insurance company will easily pay the money due to the insured.
What to remember when concluding a contract
The conclusion of an insurance contract is a serious process. You can not thoughtlessly put a signature at the end of the sheet without familiarizing yourself with its contents. The people working in insurance companies are the same sales managers. They just need to conclude as many contracts with people as possible in order to get a decent salary. And by what method they will conclude this agreement, they are not particularly worried. And therefore, a significant proportion of important information for the client may simply not be announced. But on paper should be registered by law. So the most important rule is to read it. As an insured person, you should be aware of what exactly you are insuring against, what force majeure circumstances are not included in the list of insured events, what actions involve termination of the contract, and also what sums of compensation you are entitled to rely on in different situations of life. If the UK refuses to pay you, you have the right to go to court. Fortunately, the courts to a greater extent satisfy the claims of customers of insurance companies, as the desire to save the latter has already become a byword.
