SOGAZ is one of the most recognizable brands in the Russian insurance market. She is also known abroad. This corporation offers the market an exceptionally wide range of services. SOGAZ interacts with both individuals and legal entities. Moreover, among the client organizations of this insurance company there are the largest corporations of the Russian Federation, which belong to the category of system-forming.
What interesting can be told about the activities of SOGAZ? What do customers and employees of the company say about their experience in interacting with this company?
General information
What is a SOGAZ company? We will study reviews about this organization a little later. First, consider the general information about her, examine her key business indicators. This company is among the largest in its segment. In terms of assets, it takes 2nd place after the market leader - Rosgosstrakh. The company was founded in 1993 as a subsidiary of Gazprom. The brand in question is a group of companies: it includes several organizations operating in Russia and abroad, in particular in Germany and Serbia.
SOGAZ Corporation, whose expert reviews are especially positive, is included in the world's largest associations of insurance businesses. The company is an official partner of large-scale sports competitions, such as, for example, the Continental Hockey League, as well as the Russian Football Championship. In accordance with national ratings, the SOGAZ brand (market analysts indicate that the community agrees with this rating) has the highest degree of reliability.
The company is one of the most famous businesses in Russia: its citation is in the top of the profile media. Buyers of the company's services are individuals and legal entities. Thus, when considering the activities of the SOGAZ brand, customer reviews should be considered for both types. Consider which sectors of the economy are key for the corporation.
Systemically important enterprises as key brand customers
It is noteworthy that SOGAZ is considered as one of the leading providers of insurance services in the segments in which system-forming enterprises of the Russian Federation operate. First of all, these are corporations working in the field of construction, aviation, and the space industry. This area of activity of SOGAZ predetermined the appearance in the client base of those companies that fell under Western sanctions. In this sense, the Russian insurance company is in many ways uncontested and, as many experts believe, a reliable partner for organizations experiencing economic difficulties.
So, the SOGAZ company (reviews of market analysts characterize this aspect as one of the indicators of the enterprise’s effective work) regularly reinsures the risks of large businesses and forms the necessary obligatory capacity of services. This brand policy, however, has reasonable limitations. According to company representatives in an interview with the media, SOGAZ is trying not to take risks that, objectively, cannot be adequately reinsured. As a result, the organization is forced to offer corporate clients limits on the payment of insurance amounts.
According to the managers of SOGAZ, working with companies that have fallen under sanctions is a fairly highly profitable business segment.We will now study the specifics of the corporation's functioning in the segments of working with individuals, as well as customer reviews about this insurance company.
SOGAZ's work with individuals: main segments
SOGAZ provides insurance services to citizens in the following segments:
- car insurance;
- VHI;
- Compulsory medical insurance;
- property insurance.
Thus, if you examine the opinions of customers about SOGAZ, reviews should be studied in all of these areas of the corporation. Actually, this is what we can do now.
SOGAZ auto insurance programs: conditions and customer reviews
So, one of the largest segments of the work of the SOGAZ brand with individuals is car insurance. The company offers three schemes for concluding insurance contracts with customers of the corresponding profile:
- signing an agreement according to which an unlimited number of persons are allowed to drive a car;
- conclusion of an agreement similar to the first, but subject to the minimum age, as well as the length of service of persons allowed to drive a car;
- signing of an agreement according to which a certain list of citizens is allowed to drive a vehicle.
Depending on the specific insurance forms - "CTP" or "CASCO", SOGAZ managers determine the requirements for insured cars by age, terms of operation, fix in the contracts the conditions for providing support to insured persons in case of emergency, options for expanding the validity of the policy abroad. Among the most noteworthy options that SOGAZ has car insurance (customer reviews of the company evaluate its availability very positively), there is the opportunity to purchase an installment policy for several months.
How do brand customers evaluate the quality of the provision of brand services in the field of car insurance? In general, the reviews of citizens characterizing the experience of interaction with SOGAZ are positive. The opinions of clients of the insurance company should be divided into several varieties, which differ greatly in terms of assessing the quality of services and the level of subjectivity of points of view:
- feedback on the fulfillment by the company of the conditions of the insurance contract;
- opinions on the competence of employees of the corporation;
- comments on the price policy of SOGAZ.
So, if we talk about the opinions of clients evaluating how correct the actions of the insurance organization regarding the fulfillment of the conditions of the contract, then the corresponding points of view are mainly based on objective facts, events, and documents. In turn, the competence of SOGAZ employees, as well as price policy corporations in terms of determining insurance rates are more subjective. Much depends on which city the person lives in who leaves reviews about SOGAZ. Moscow is characterized by some preferences of customers, small cities - by completely different ones. In the auto insurance segment, SOGAZ customers are inclined to a balanced assessment of the company's activities.
Of course, there are complaints about the work of the insurance company, but they are not always subjective. This can be observed when considering the actions of specific employees of the company, who, perhaps, simply do not have enough qualifications for the quality performance of their duties. Therefore, customers are more likely to evaluate actions not so much of the brand as of specific employees working at SOGAZ.
In general, the corporation itself is characterized by a sufficiently positive assessment of customers. Many note the high quality of the services provided by SOGAZ. "CTP" reviews receive the most positive. Car owners praise the specifics of interaction between company representatives and customers when concluding CASCO agreements.
VHI programs from SOGAZ: conditions and customer reviews
We now study the specifics of another segment of insurance services from the SOGAZ company - VHI.The peculiarity of the respective programs offered by the company is the ability to insure not only themselves, but also relatives. The offers are characterized by a sufficiently wide range of insurance events prescribed in the contract.
SOGAZ VHI policy holders are provided with medical services in well-known private clinics, various procedures, and consultations with experienced doctors. Clients of the company can count on assistance in obtaining spa treatment, including abroad. SOGAZ offers VHI programs, classified by price and list of services in several categories - from the most economical products to special ones.
What do clients say about their experience in applying for VHI policies at the insurance company in question? As in the case of car insurance, citizens' opinions are presented in different categories, so they can vary significantly in degree of objectivity and content. In general, SOGAZ is rated by customers as a bona fide provider of services related to the organization of paid medical services. The terms of the contracts are characterized as quite acceptable. The professionalism of the consultants who draw up insurance contracts for VHI for clients is assessed as corresponding to a sufficiently high level.
As for the compulsory medical insurance programs, due to their high standardization, the conditions from SOGAZ are not too different from those offered by other major insurers for compulsory medical insurance, such as Rosgosstrakh. MHI policies are characterized by almost identical conditions, regardless of the particular company that wrote them. Therefore, reviews on such products are not common and reflect, as a rule, the experience of citizens interacting with medical institutions, and not with insurance companies.
Property insurance programs from SOGAZ: conditions and customer reviews
Another major business segment of SOGAZ is property insurance for citizens. Current programs offered by the brand include protecting customers' property from fire, flooding, as well as unlawful actions of others. The insurance company compensates for the damage caused to the property of the citizen, within the limits of the insurance amount established in the contract.
How is SOGAZ insurance company estimated in this segment? Reviews about the brand in terms of property protection programs, as in the case of opinions in other areas of services, vary depending on the specific subject of the contract with the organization in terms of objectivity. But in general, customers characterize the company as a sufficiently competent provider of insurance services, and the prices for the programs are called acceptable.
Reviews about work in SOGAZ
It will also be useful to consider what the employees themselves say about SOGAZ. Employee reviews (Moscow, St. Petersburg and other large cities have a large number of brand offices, so the corresponding opinions are presented in large numbers) can be classified into the following main categories:
- opinions regarding working conditions;
- assessment of the level of salary;
- reviews regarding career prospects in the company.
We will study them in more detail.
Working conditions at SOGAZ: employee reviews
Working conditions at SOGAZ are assessed as corresponding to those that characterize the familiar office environment in Russian firms. In accordance with labor contracts, employees of the company are provided with those social guarantees that are enshrined in the Labor Code of the Russian Federation. In addition, there are various internal corporate options for improving working conditions that SOGAZ offers.
Reviews of employees in this aspect depend on the specifics of their posts.If these are positions involving the predominant presence of a person in the office, then the opinions will mainly reflect the technological nuances of working conditions, the level of equipment of offices with modern equipment, accessories. If a person’s work is mainly traveling, then the situation in the office will be secondary to him. In this case, the employee is likely to be interested in a good salary.
Salary at SOGAZ: employee reviews
How highly paid is work at SOGAZ? Employee reviews indicate that salaries, as well as bonus compensation, are very competitive. The conditions for receiving allowances and bonuses at SOGAZ are transparent and quite achievable even by inexperienced specialists. Of course, it all depends on their willingness to invest their work in relevant achievements. Many SOGAZ employees believe that the best result of investing their own efforts is career growth. How dynamic can it be in the company in question?
Career growth at SOGAZ: employee reviews
The insurance market in the Russian Federation is one of the most open for employees with minimal work experience. Of course, this does not apply to all posts, but to those that require special efforts related to the need to sell this or that customer insurance product. But if a person acquires the necessary skills in the field of sales, career growth will not take long, because in the insurance market, in principle, there are not many highly qualified and competent specialists. A similar pattern characterizes the SOGAZ company. The reviews of employees who managed to build a career confirm this.
Summary
So, SOGAZ Corporation is one of the largest players in the Russian insurance market. This brand is among the most famous. The company employs a huge number of specialists. Its activities are visible in various segments of the insurance market. The organization interacts with both legal entities and individuals. This determines the appearance of a large number of reviews of the company. Their main volume falls on the opinions of customers and employees of the corporation. In both cases, the content of the reviews corresponds to the specifics of the market of insurance services in the Russian Federation.
In this sense, SOGAZ is not very different from other major brands. Insurance, reviews of which are among the most common, if you look at the segments of the economy, is an area characterized, on the one hand, by the presence of contractual relations, in which all the conditions for the interaction of customers and suppliers are prescribed in contracts, and on the other, a significant space for emergence subjective opinions. Therefore, when studying customer reviews on thematic portals, this aspect should be taken into account and the essence of the comments should be compared with specific examples of legal relations between citizens, legal entities, and an insurance company.
The opinions of SOGAZ Corporation employees are very positive. Employee reviews (Moscow and other cities in this sense are not too different) indicate that specialists feel they are working in a modern and promising company. This is a huge plus for the further development of the organization.
