Insurance at Sberbank: customer reviews

In modern society, insurance is no longer perceived as something superfluous. Many Russian citizens regularly take out insurance of their property, health and financial risks. In addition, some banking transactions are simply impossible to carry out without protecting the monetary assets of credit institutions. This is true when we talk about car loans or mortgages. Since Sberbank is considered the most popular and reliable bank in our country, reviews about insurance in this organization on the Internet can be found more often than others. Our fellow citizens believe that, having protected themselves with the products of this credit institution, they can not worry about late payments in the event of an insured event, which many have already encountered in other institutions. Today we will tell readers about the offers combined in the Sberbank Insurance program. We will give reviews about it in the sections of the article.

A few words about insurance at Sberbank

If you decide to protect your life or property in this lending institution, then you will do it through Sberbank Insurance. Customer reviews give an idea that this organization was specially formed approximately four years ago. One hundred percent new LLC belongs to the credit institution Sberbank and receives the highest rating of reliability. Specialists characterize this limited liability company as stable and having many partners. Significant authorized capital, measured in hundreds of billions of rubles, allows us to judge the reliability of the organization. Every year it releases several new products designed to interest bank customers and other categories of citizens.

Initially, Sberbank Insurance (reviews about it was mostly positive) offered a wide range of services, which currently include almost all types of insurance prescribed by law and in demand among the population. Specialists of the organization can name at least thirteen programs consisting of several product categories. Among them, the most popular are property, life and car insurance. A high percentage of the total number of signed agreements is given by agreements on insurance of financial risks, against accidents and liability insurance associated with various risks (non-fulfillment of obligations stipulated by the agreement, or, for example, harm to third parties).

Since we cannot review all Sberbank Insurance products, reviews of which are quite common, within the framework of the article, we will focus only on those that the organization positions as the main ones.

Traveler Protection: Do I Need It

Today, our citizens travel abroad very often, such trips have long become commonplace. However, this is exactly what has allowed many travelers to face the fact that in any country in the world medical care is extremely expensive, and everyone can get sick on vacation. In addition, do not neglect accidents, which make up a large percentage of all visits to medical institutions of our citizens during the holidays. Therefore, today travel agencies strongly recommend their customers to issue a special policy.

It allows you not to worry on vacation about illnesses and other unforeseen situations. The traveler's policy is able to cover quite large expenses for servicing Russians in different clinics of the world. Moreover, the client himself can always choose the list of risks that will be paid.

In addition, it should be borne in mind that when traveling to Europe, a visa can be obtained only by holding a medical insurance policy for a certain amount. And judging by the reviews, Sberbank Insurance offers the best product in this category. To date, he has no analogues in the insurance market.

Sberbank Travel Insurance: Product Reviews and Brief Description

A huge advantage of this policy, if you focus on the feedback of the bank's customers, is the ability to issue it for almost any period of time. The traveler can make insurance for a one-time visit to another country, and if necessary receives an offer to issue a policy immediately for a year. This takes into account multiple trips to different countries of the world.

Sberbank Insurance understands that all people have a different rest, which means they must choose the list of risks themselves. For example, it is important for some to include active sports in it, and for others poisoning or exacerbation of chronic diseases. In addition, customers can insure themselves against non-departure, flight delays and other troubles that may arise during the trip.

Customers greatly praise the service when making insurance. The electronic option of purchasing a policy is especially convenient; it is available to absolutely everyone and takes only five minutes of time.

Many in their reviews note that only Sberbank Insurance offers such a wide coverage that you will not find in any of the insurance companies.

If you list the main packages of this program, the list will look like this:

• “Basic” (includes more than thirteen insurance risks).
• “Sporty” (it even reimburses the costs of the purchased lift ticket in cases where the tracks unexpectedly close due to force majeure circumstances).
• “Baggage protection” (with this package, tourists are not afraid of flight delays and baggage problems).
• "Personal lawyer."
• “Special case” (the package includes insurance against early return from vacation or any accident).
• "Provident."

It is worth noting that most of Sberbank's customers are satisfied with this type of insurance. The disadvantages include some malfunctions in the design of an electronic policy, it is not always sent to the traveler's mail at the specified time interval. Therefore, it is best to come to the bank’s offices in person and draw up all the documents directly through its employees.

Sberbank, insurance SmartPolis: reviews and description of the program

This product raises many questions among ordinary citizens, because it belongs to the not quite common types of protection of their finances and life. “SmartPolis” refers to Sberbank investment insurance, which reviews are not often found on the Internet due to the long-term nature of the project.

The investment insurance program is designed to increase customer income without risk of loss. However, it should be borne in mind that the minimum term of the policy is five years. It is advisable not to withdraw funds during this period, although such an opportunity exists.

A distinctive feature of the program is the distribution of cash in two funds. The first one brings guaranteed income and it is on it that the organization relies, promising the client to return all the money on demand. Sberbank invests the client’s finances in verified securities, so the policyholder can be calm about the safety of his assets.

The second part of the money is invested in one of the funds, which promises a high income. However, from the list proposed by the bank, the fund selects the client himself. This investment option is called risky, since it cannot guarantee profitability to the extent that it promises.

Focusing on feedback on investment insurance from Sberbank, we can say that few customers were able to fully evaluate this product.Most of them withdrew their money after two or three years. Therefore, in the comments left, no one can speak in detail about its profitability. However, the benefits of this type of insurance are many. We will talk about them further.

Investment Program Opportunities

Some of our compatriots would like to invest money in the stock market, but are afraid to lose all their money. SmartPolis allows you to do this and not worry about the money invested, because in any case, they will go back.

Thanks to these funds, the client receives protection in case of illness or other unforeseen circumstances.

Also, the money invested is not taxed, is not subject to division in the event of a divorce, and can be paid out as a result of the death of the insured earlier than the six months previously set. That is, they are not included in the inheritance.

Home insurance

Most often, our compatriots worry about the safety of their housing, whether it be a house, an apartment or a country house. Therefore, reviews of apartment insurance by Sberbank are very common on various sites and forums.

This product includes several programs, according to them you can insure your home not only from all kinds of problems, but also from damage that may be caused to neighbors.

For insurance objects, this product offers three policy options. First of all, many tenants seek to protect the repairs made and all engineering equipment. Separately, you can insure movable property in a house or apartment. All furniture, household appliances, home decoration, things and even children's toys fall into this category. In addition, policyholders can exercise civil liability. In this case, payment will be received by third parties if you flood or damage their real estate in any other way.

Insurance Reviews

Reviews about property insurance in Sberbank are positive in general. Customers are satisfied with the fact that the contract is concluded for a period of one year and can be extended if necessary. This allows you to evaluate the activities of the insurer and, in case of its excellent work, continue cooperation with him.

Customers also appreciate the wide range of risks. It includes nine possible situations that fall into the category of insured events. These include fire, flooding of an apartment, lightning, damage in the event of a major overhaul and other problems.

Compensation amounts vary depending on the insurance object. If you trust the information posted in the reviews, we can say that the maximum payment is one million rubles at a policy cost of seven and a half thousand rubles. The minimum payment is provided in the amount of one hundred and fifty thousand rubles, insurance will cost customers two and a half thousand rubles.

Mortgage insurance

If your home is purchased in a mortgage, then the bank has the right to require insurance for it. Mortgage insurance in Sberbank gets reviews and comments very often. Indeed, it is thanks to credit institutions that most of our fellow citizens buy apartments.

The main goal of policyholders in this case is to protect their home from loss, various damages and even invalidation of the transaction (this happens quite often in modern reality).

If you insure an apartment, then the contract will list the supporting structures, entrance and window groups, as well as ceilings. In the case of acquiring a home mortgage, items will be added on the protection of the foundation and roof.

The insurance policy includes a lot of risks, which include natural disasters, falling flying objects, man-made disasters and other situations.

It should be borne in mind that the policy is drawn up for the amount of residual debt to the bank. That is, the cost of the policy will decrease annually. Customers most often attribute the high cost of the contract to the disadvantages of cooperation with the organization.

Life insurance

If we analyze the reviews about life insurance in Sberbank, we can conclude that it is of two types. The first is voluntary, and customers decide for themselves whether they need to worry about protecting their health and life. Interestingly, in this case, all comments are positive. Customers appreciate the speed of payments and the variety of programs.

However, there is a second type of insurance. It is mandatory and is issued with a mortgage. Reviews of life insurance in Sberbank often show dissatisfaction with the cost of the policy. For many, it is extremely high, as it is directly dependent on the amount of the loan. It will be equal to one percent of it, but usually it is not less than twenty thousand rubles.

Some customers of the bank write that in case of refusal to apply for a policy in Sberbank Insurance, the interest rate on the mortgage will be slightly higher. Moreover, this point is indicated in the contract and even if you refuse insurance in subsequent years, the bank has the right to change the terms of the loan. Many of those who left their reviews on the Internet faced this.

Retirement insurance

Many have come across pension insurance offers at Sberbank. Reviews of such cooperation are full of comments that the funded part of the pension is regularly growing. And this cannot but please those who have entrusted their future to this lending institution.

Pension insurance includes two programs. One involves the transfer of the funded part of the pension under the management of Sberbank. This can be done within the statutory deadlines or ahead of schedule for any reason. It is about such a program that customers leave positive feedback.

The second opportunity to increase your pension is to voluntarily transfer part of your income to your personal account. Sberbank will successfully and profitably invest your money and in the future it will allow you to receive higher payments. The minimum down payment is set at one and a half thousand rubles, in the future this amount can be reduced to five hundred rubles. Moreover, the frequency of payments is determined by the client himself. Those who write reviews about this product, of course, cannot evaluate it so far due to their age. But they hope for long-term cooperation with the bank on the pension program and fully trust it.

Protection of loved ones

We all want to make sure that our family is healthy and happy. Therefore, Sberbank has developed a special product, “Protection of loved ones,” which applies to entire families.

Such a policy includes the occurrence of insured events as a result of frostbite, fractures, injuries, burns and railway or aircraft accidents. Also, payment will be made after the death of a loved one from an accident.

Judging by the reviews of family insurance in Sberbank, the policy applies to children, spouses and their parents. It is noteworthy that it operates around the clock and in all parts of the globe. It is often issued by travelers who prefer to go on vacation with the whole family.

The minimum insurance payment for this program is one hundred thousand rubles, the maximum - five hundred thousand rubles. These amounts suit most bank customers who decide to draw up such a policy.