Protecting other people's lives is one of the important and main areas of Sberbank's work. Its activities began in 2012, when from that time to October 2016 there was Chernin M.B., who was the head of the Committee of the All-Russian Group aimed at the formation of life insurance. In the fall of 2012, the organization received the name LLC IC Sberbank Insurance and began to officially carry out life insurance for citizens.

LLC SK Sberbank life insurance - the official website is one of the main in the securities market and the protection of citizens. According to the rating of banks, it is one of the three strongest companies in the Russian Federation. For 9 months, the amount of insurance increased and became 46.8 billion rubles, which is a colossal result.

LLC SK Sberbank life insurance has a single shareholder - PJSC Sberbank. It promotes insurance programs. It is allowed to buy Sberbank Life Insurance products at various offices of the Bank throughout the Russian Federation. Programs for insurance of citizens are long-term, which since 2012 have become fully available in 1948 service areas of Sberbank.

Programs that are aimed at life insurance

"Family asset" - the bank provides protection in the event of the death of one of the family members, and in parallel, finances are accumulated by the required date. The addition of an extended list of auxiliary risks can be called as an advantage. If it turned out that a citizen became incapacitated and received a disability, then all payments fall entirely on the shoulders of the insurance company. This program provides a real chance to eliminate a number of problems in the family in case of unforeseen situations. Easy to apply - all you need is a passport.

"First capital" - provides funds to the child at the end of the insurance period. All accident propensities are similar to the previous program.

"Protection of loved ones" - designed to insure all family members. Assistance of the insurance company is carried out in cases of burns of varying severity, fractures of the musculoskeletal system, wounds, injuries. Insurance risks are car accidents, death of one of the family members. Protection is carried out around the clock during the specified time.

The "Children's Educational Plan" allows you to form a certain financial amount, which will be withdrawn at the time the child enters the university to pay for the necessary services.

"Savings insurance" is a profitable service that allows you to add up small amounts every month. This is enough to give you and your family members long-term financial protection if adverse conditions arise. They include health problems or Sberbank will return 100% of the deposited money upon completion of the insurance policy contract.

"Heritage" - creates an opportunity to transfer or give money to relatives. After the contract expires, Sberbank transfers to the issued beneficiary the exact amount of insurance. What sets this program apart from others is that it provides the precise legal protection needed in property disputes. In addition, the parameters of this program include the accrual of ancillary investment income towards the final payment.

Company programs that include investment life insurance

"SmartPolicy" is a universal, the best solution for thoughtful investors. This program has a one-of-a-kind strategy for working and controlling the stock market, taking into account all the risks. Large investment incomes will constantly flow in. Sberbank ensures complete security of invested finances. Also, this program is good because it gives full protection of life from accidents.

"SmartPolicy Coupon" - gives a good opportunity to withdraw the annual agreed amount if all criteria and conditions are met. This is beneficial for both large and small businesses. Another advantage is that the assets are basic, so they will be understandable to everyone, while you can trace the whole picture of the process in the public domain.

Optional insurance program

This service is aimed at collective voluntary health insurance of citizens who take loans from PJSC Sberbank of Russia / Cetelem Bank LLC. This package of services implies financial protection of the borrower if some unforeseen situation occurs.

Service packages aimed at life insurance at Sberbank LLC

"Head of the family" - designed to provide protection to relatives if misfortune happens to the head of the family. The list of insurance includes the following accidents: frostbite, thermal injury, disability, death. Such a program is well suited for new clients of the Bank.

"Protection of relatives PLUS" allows you to create financial protection for an individual or legal entity, his relatives in case unforeseen expenses are required for the treatment of one of them. Accidents are similar to the previous program.

The "airbag" provides protection to the citizen and his family from adverse events that lead to health problems or danger to life. In the event of an unforeseen situation, this service will create a complete financial security, and will also allow you to maintain a stable standard of living, because. the amount of money received significantly exceeds the amount of the contribution made.

"Corporate insurance program" - aimed at insuring large and small enterprises that care about their employees. When ordering this service, all employees of the organization are insured against unforeseen events and health problems.

What is the purpose of these programs?

The direction of protecting customers has become relevant in the insurance market, so Sberbank is no exception in this matter. Officially, IC Sberbank Life Insurance was approved in 2013.

Employees are trying to create a complete guarantee that you and your family members will be under reliable protection and will be able to enjoy life without fear for tomorrow. Sberbank has products that allow you to realize all your wishes, dreams, promises that were given to loved ones, despite the unfavorable outcome.

Sberbank - treats each client honestly and tries to satisfy the needs of all citizens individually. It is important that you live a fulfilling life without fear.

Instead of output

Sberbank receives top ratings from rating agencies. One of the most important is the reliability rating. The company "Expert RA" for reliability, quality of service and an extended list of services appreciated the work of the Bank A ++, which indicates the highest level of reliability. They also received the highest score on the attractiveness of the employer from the rating agency Expert RA - A.hr.

Or a large cash loan at Sberbank, the client will definitely be offered to additionally insure their health and life. What is this type of insurance, under what conditions it is provided and in what cases it is necessary, we will describe in detail below.

Real estate insurance services in Sberbank

Mortgage insurance at Sberbank is issued at the time of conclusion of the loan agreement. The price of the policy at the same time depends on such factors as the condition of the acquired property, its cost, the price policy of the seller (developer), as well as the personal characteristics of the borrower (age, profession, health status, and so on).

Currently, apartment insurance in a new building is carried out under the program "Home Protection" . The total amount of payments upon the occurrence of an insured event can be 450,000, 600,000, 1,400,000 and 2,000,000 rubles.

Another product from Sberbank is called "Mortgage Protection Online" . Insurance conditions:

• the cost depends on the amount of the balance of debt on a loan issued by a financial company;
• the contract is concluded when concluding a mortgage agreement with the bank;
• registration time - 5 minutes in;
• the period of validity of the agreement is 12 months;
• possible extension.

Payments are made if the property is damaged as a result of fire, flood, earthquake and other circumstances.

Price

In most cases, the cost of the policy depends on the amount of the mortgage agreement. So, when an individual took from a bank:

• 450,000 rubles, the price of insurance will be 1,750 rubles per year;
• upon receipt of 600,000 rubles, it will be necessary to pay 2,250 rubles for insurance;
• for 1,400,000 the annual payment will be 4,950;
• for 2,000,000 the payout is 6,750.

How to cancel early mortgage repayment?

The borrower has every right to pay off his mortgage debt at Sberbank in advance. If the loan is completely closed, then the client must ask for a certificate of debt repayment, which then must be taken to the insurance company in order to refuse further payments under the policy. With partial repayment of the mortgage, the loan amount is recalculated to him, therefore, the cost of the policy will also be changed downward.

Life and health insurance through Sberbank

Life insurance when applying for a mortgage loan at Sberbank is of two types:

• Mandatory – offered to all clients in order to secure their own funds.
• Voluntary - issued at the request of the borrower.

In this case, the consumer has the right to refuse the protection service at any time. If this happens within 30 days, the full amount of the policy will be returned to him, after 1-6 months - 50%, after 6 months - only a small part.

Terms, cost

Sberbank of Russia offers several life and health insurance programs at once when applying for a mortgage.

"Head of the Family" - the amount is paid upon the onset of disability of the 1st - 2nd groups due to an accident, upon death as a result of an air or railway accident. The price of the policy is from 900 to 4500 rubles per year. Insurance can be issued when applying for a loan in the amount of 300,000 - 1,500,000 rubles.

"Protection of loved ones Online". This offer provides the borrower and his relatives with reliable protection in the event of adverse events. The cost per year depends on the total amount of insurance coverage. For credit:

• 1,200,000 the fee is 900 rubles,
• for 1 400 000 - 1800,
• for 2,000,000 - 4500.

"Protected Borrower" . This type is the protection of the client in case of disability or death. The term of the contract is 1 year with the possibility of extension.

Travel Protection Online. The payout amount is:

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

The contract can be concluded for a period of 2 days to a year.

"From accidents and diseases." This is voluntary insurance. Annual cost:

• 3.09% of the loan amount if you wish to insure against job loss,
• 2.09% - in case of insurance against loss of health and life,
• 2.6% per year - if the client chooses the protection parameters himself.

Documentation

Upon the occurrence of the event described in the policy, in order to receive the due payments, the client must provide the bank with the following documents:

• certificate of disability;
• a medical statement confirming the diagnosis;
• an excerpt about the illness from the hospital card;
• act of death;
• an incident certificate issued by the competent authorities;
• other papers confirming what happened.

After analyzing all the documentation and further coordination, the agent will transfer the required amount of money to the victim's account.

OSAGO auto insurance in Sberbank of Russia

Another service provided to citizens by Sberbank of Russia is the issuance of OSAGO policies for various types of vehicles. Auto insurance covers both cars and trucks.

Insured risks include:

• damage to the vehicle as a result of a road traffic accident;
• car theft by intruders;
• causing damage to the machine by third parties.

Compensation for damage in the event of an insured event is:

• 500 thousand rubles, if the harm was caused to the health or life of the client;
• 400,000 - if the damage was caused to property.

Conditions, cost, documents

Now let's look at the list of documents that will need to be provided to apply for an OSAGO insurance policy at Sberbank.

So, for insurance, you should prepare:

• identity card (passport) of the Russian sample;
• driver's license;
• vehicle passport;
• vehicle diagnostic card;
• application for conclusion of an insurance contract.

On the basis of the submitted acts, OSAGO is issued to the individual who is the owner of the vehicle. The policy also contains the full names of the persons who have the right to drive this vehicle.

The cost of OSAGO insurance is always calculated individually, based on the characteristics of the car (year of manufacture, model, engine type, mileage, etc.) and information about the client (age, social status, etc.).

An insured event occurs when the policyholder is involved in a traffic accident that causes harm to other participants in the accident.

A timely issued insurance policy allows you to avoid many problems in the future. But the question arises, in which bank you can issue a policy with more favorable conditions for yourself. The choice is obvious! Sberbank, the largest and most reliable bank in Russia, offers many insurance programs. One of the services most in demand among the population today is Life Insurance from Sberbank.

On the new website of sk sberbank life insurance, several types of contracts are proposed, which will be discussed further.

Protection of loved ones

• Fractures of the bones of the body;
• with chemical and thermal burns;
• when receiving serious injuries;
• with frostbite.

Also, a life insurance contract at Sberbank implies a payment when a loved one dies due to an accident or a railway accident.

Each treaty program for the protection of loved ones includes certain mandatory elements, such as:

• The amount of a one-time fee;
• the sum insured;
• list of persons to whom the compensation applies.

Separately, there are three categories of close relatives for whom you can draw up a life insurance contract:

• Children under 24;
• spouses from 18 to 65 years;
• parents, aged 35 to 75 years.

The standard insurance premium in the contract for this type of service is defined in three options: 900, 1800 and 4500 rubles. In each case, the client receives amounts for the risk of "Injury" within the limits of 100,000, 200,000 and 500,000 rubles.

Separately, there is a service called "Protection of relatives plus", which provides customers with slightly different conditions for issuing a policy.

Head of family

Life and health insurance of the head of the family is very important, since this person most often provides his loved ones with everything they need, earning money and solving emerging problems. The policy in this case allows you to maintain the financial well-being of relatives even in the most difficult life circumstances.

Among the insured events of this insurance program, it is worth highlighting such conditions as:

• Death of the head of the family as a result of an accident;
• becoming disabled due to an accident.

On the official site https://www.sberbank-insurance.ru/ The following benefits of insurance can be identified:

• Quick execution of the contract;
• the need to provide only a client's passport;
• choice of different levels of insurance premium;
• policy action around the world 24 hours a day.

The insurance premium can be in the amount of 900, 1800 and 4500 rubles. Accordingly, the client receives an insurance amount of 300,000, 600,000 and 1,500,000 rubles.

Family protection

Protecting your family from any kind of accident is an important task that should not be neglected. The price of the issue is insignificant compared to the guarantee of financial security of loved ones. Sberbank life insurance is a reliable tool for protecting loved ones.

There are several categories of those who may fall under the scope of the family protection policy:

• Spouses (from 18 to 70 years old);
• children (from 2 to 50 years);
• grandchildren (from 2 to 30 years).

The insurance is issued for one year. After this period, it is possible to prolong the contract between the bank and the client.

Each family protection category has its own insurance conditions. This applies to the amount of payment and the monthly insurance premium. Payment can be made in the personal account of Sberbank Insurance on the official website. After signing the contract, access to your personal account will be available.

Airbag

Such an unusual name of the insurance program makes it clear that in unforeseen situations, the insurance contract will come to the rescue just like an airbag in a car. The essence of the program basically boils down to the fact that by paying the minimum premium for insurance, you get many times the amount of payment in the event of an insured event.

To choose this insurance program, you need to decide:

1. What period of validity of insurance to choose - (the program provides for a period of 5 to 30 years);
2. The required amount of financial protection - about 2-3 annual incomes is considered the best option;
3. Determine for yourself the frequency of payments for insurance (once a year, or monthly).

Sberbank has identified insurance risks under which a client can receive a payout. These include the following events:

• Getting injured as a result of an accident;
• acquisition of disability of the first or second group;
• fatal accident;
• death due to an accident with any type of transport.

Important!

The personal account of Sberbank Life Insurance allows you to track the necessary information under the contract. and make payments for transactions. You can register on the site only if you have an agreement for the Airbag service or any other program.

When concluding an agreement, the client has the possibility of a financial deduction (refund of up to 13% of the annual fee (TC of Russia, art. 219 from 01/01/2015)

Corporate insurance program

In Sberbank, a special type of insurance can be distinguished to protect employees of enterprises from injury and other accidents.

The corporate insurance program allows the employee to gain confidence in the future. The registration process consists of several points:

1. Familiarization with various options for insurance programs, as well as choosing the most suitable one;
2. Determination of the amount of financial protection of an employee (from 100 thousand to 1 million rubles);
3. Signing of all documents;
4. Service payment.

This contract provides for insurance either for all employees of the company, or for several (more than 10). There are also certain tax incentives.

For example: sums insured received upon the occurrence of an insured event do not provide for personal income tax (for the recipient of the payment, article 213 of the Tax Code of the Russian Federation).

You can issue a policy on various conditions in relation to both yourself and your relatives or employees of the enterprise. Feedback on this service is mostly positive, due to the fact that the bank constantly and fully fulfills its obligations.

One of the most profitable cash investments is the use of insurance services from Sberbank. This financial instrument allows you to provide yourself and your property with protection from the bank, which in case of unforeseen situations will issue a predetermined amount of compensation to the victim. Both investment life insurance and the traditional option with a fixed amount of funds paid out are available.

The Sberbank insurance system provides protection for almost any occasion in life. Anyone can use the service, it is enough to conclude an agreement and gain access to a separate office on a specially designated site.

All data on the conditions for providing insurance to individuals and their property are on the official page of the system. The site visitor can independently familiarize himself with the list of services and the rules for their use with the help of detailed instructions, as well as thanks to the round-the-clock support of online consultants. Potential customers of the Sberbank insurance system have access to a simple registration, after which they will have access to their personal account.

Features and benefits of the insurance system

Insurance Products

To use the services provided by the insurance company to its customers, a minimum financial investment by the user of the system is required. Small monthly contributions will not harm the family budget, but thanks to them, any unforeseen situation in life will be resolved much easier. Using the Sberbank insurance system, after the expiration of the contract, an individual will receive 100% compensation of all funds spent on paying regular contributions.

During registration, the client will be offered one of the existing programs, consisting of the following parameters:

Regardless of whether an insured event occurs or not, the client of the service will receive compensation with a minimum amount equal to 100% of the amount invested. Thanks to the round-the-clock work of the personal account, the user will be able to issue a policy at any time, as well as view up-to-date information on the personal account. In addition to the basic functions of Sberbank Insurance, the site offers additional services, such as online consultation with a specialist and providing data on current offers via e-mail.

Registration and service options

To gain access to your personal account, you will need to go through a simple registration procedure on the official website of the company. To do this, you will need an email address, a mobile phone and a passport of a citizen of the Russian Federation.

Registration

The entire registration process is maximally simplified and intuitive, thanks to which even a person who does not have experience in using a computer can gain access to the system.

After entering the data, an activation code will be sent to the mail

Activation code

When working with the services of Sberbank Insurance for the first time, the user will be offered the following choice:

• the choice of persons to whom the policy will apply. Three options are offered - spouses, children and parents. Depending on the choice made, access to types of insurance coverage may change;
• policy program, which indicates the unforeseen events that are the basis for the payment of compensation. In the Sberbank insurance system, you can choose both a whole group of situations and their individual elements;
• a choice of the amount to be paid in the event of physical damage or financial damage stipulated by the agreement between the parties is given. The amount of the monthly payment will depend on this parameter.

Personal Area

By choosing the appropriate conditions provided in the services of Sberbank, the client of the company will receive a reliable partner who will help reduce the negative consequences in the event of unforeseen circumstances that threaten the physical or financial condition of a person.

When applying for a loan, everyone was faced with the offer of a bank employee, sometimes very intrusive, to issue a voluntary security policy. Consider the features and main pros and cons that Sberbank provides for life insurance. And also get acquainted with the nuances of its design.

There have long been affordable products that can give confidence in the future for the whole family.

Life and health insurance is issued at Sberbank Insurance, which is a separate legal entity. But it is permissible to conclude a policy at the time of applying for a loan at a bank office. The policy prescribes provision for the loss of life or health by the borrower due to unforeseen circumstances.

Thus, two main risks are prescribed:

1. death;
2. loss of performance.

Insurance rates

But the second case involves many options: illness, injury, dismissal, family circumstances. In view of which, there are several programs that differ in a set of cases and are universal, allowing you to choose any risks at your discretion.

Personal insurance is a voluntary procedure, but when applying for a mortgage, it is more beneficial for the borrower

They differ in rates:

• life and disability: 1.99% per year;
• life, health and involuntary loss of work: 2.99%;
• with selection of parameters: 2.5%.

It is permissible to appoint a bank or other person as a beneficiary (except for mortgage lending). By choosing the first option, the borrower understands that in case of an unforeseen situation, his debt will be partially or fully repaid by the insurer. Having appointed an individual, the latter will receive a payment, which he has the right to use at his discretion. The loan is obliged to repay the client's heir (at the death of the latter).

Full insurance repayment of debt

• It must be understood that the full repayment of debt occurs only in two cases: death and disability due to illness or accident. If the borrower has lost his ability to work for some time, the insurer pays instead of him the mandatory monthly payments, but only during the period documented:

• sick leave,
• certificate from the authorized body.

Voluntary life insurance in Sberbank

Life and health insurance, the cost of which in Sberbank depends on the size of the loan, is issued directly at the branch. Already at the stage of applying for a loan, the applicant is offered to take advantage of the offer. Therefore, it is worth considering in advance its necessity. Often, employees hint at the possibility of a refusal if the client does not have a policy.

What to look for when choosing an insurance company

But there are always two things to keep in mind:

• The policy is voluntary. The client has the right not to issue it.
• Even having concluded an insurance contract, it can be canceled after receiving a loan. There is a month for this.

Enlightened borrowers often use the latter option. In addition to increasing the likelihood of issuing a loan, they also receive the amount of insurance premiums in their hands, thereby increasing their loan size (if they need an amount slightly larger than that offered by the bank).

Can I opt out of insurance?

The borrower has the right to cancel the policy at any time and return the money paid, the amount of which depends on the date of conclusion of the contract:

• the full amount, if you apply after 30 days (no later than);
• 50% if 1 to 6 months have passed;
• a small part, after six months.

You can count on similar amounts if there is a need to return the contributions when the loan has already been paid and the policy has not expired. The procedure in this case involves writing an application in which it is required to indicate all the details of cooperation with the bank and the insurer. An extract from the bank indicating zero debt is used as an application. It is worth being prepared for the resistance of employees who in every possible way shy away from accepting such statements. You need to remember your rights and insist on a legal procedure.

Life insurance for a loan at Sberbank should cover the entire term of the latter. But the policy itself is usually issued for a year. Therefore, after it has passed, it will need to be extended, sometimes dozens of times, when it comes to mortgages.

Payment

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

• include them in the loan amount;
• repay every month on a par with the repayment of the loan.

The procedure for issuing an insurance policy

The first method is often offered by the bank. It is also convenient for the borrower, as it allows you to make one payment, in which everything is included.

Cancellation and return

The insurance contract is terminated in such cases:

• The client has a disease from the list specified in the contract. At the same time, the insurer cannot provide the service due to the high degree of risk. Usually, when insuring, the client is required to provide medical certificates of the absence of such diseases, while they are not required when lending and simultaneously issuing a policy. Therefore, the company reserves the right to refuse an unreliable client.
• The client expressed a wish to refuse the services of the insurer. Accompanied by the submission of an application and the return of part of the fees, if necessary.
• One of the risks listed in the contract has occurred. The insurer repays the debt and the policy is cancelled.

When should you use the services of IC Sberbank Insurance?

Summing up, it should be noted that the conclusion of an insurance contract is more beneficial for the bank. If it is impossible to pay the debt by the client himself, this will be done by the insurer (subject to the terms of the contract).

Credit

In any case, the IC will receive contributions for the entire loan period. As practice shows, only 6% of all loans are paid by the insurer. That is, the probability of an accident is small. Therefore, for short-term loans, the policy is not so necessary and is voluntary for the borrower.

Mortgage

More attractive for the client is life insurance with a mortgage at Sberbank, because it can last up to 20 years. The term is significant, so it will not be superfluous to protect yourself from unforeseen circumstances. In addition, the banking institution lowers the rate for conscious customers. So, the mortgage interest will be 1% less than without a voluntary policy. You can compare the price of the policy and this discount in order to understand how beneficial it is for a particular borrower.

What is the subject of insurance

On the other hand, with a mortgage at the legislative level, the obligation to insure the property that acts as its object is fixed. In case of destruction or damage, the debt to the bank will be repaid by the insurer within the price of housing. Since it will be necessary to pay contributions for property security, there may simply be no funds left for the life policy (or the loan amount will decrease on them).

Voluntary

It is possible to obtain comprehensive insurance under the Multipolis program "Without worries"

In the insurance company Sberbank Insurance, you can insure life and health voluntarily and in this way ensure peace of mind for yourself and your loved ones. You can choose from several programs:

1. head of family;
2. Protection of loved ones;
3. Protection of loved ones plus;
4. Airbag;
5. Corporate insurance.

Video presentation of life insurance under the Head of Family program:

All programs in one way or another allow you to save the financial well-being of the family in the event of an accident that led to death or disability.

Therefore, the decision to purchase an insurance policy must be made based on one's financial capabilities, the degree of responsibility to relatives and other personal conditions.

Service "Second Medical Opinion" from Sberbank

When issuing a loan in excess of 100 thousand rubles. the bank offers the borrower to take out a life and health insurance policy. When an insured event occurs, the most controversial moment is the establishment of an accurate diagnosis. Unfortunately, sad statistics are observed - a third of the diagnoses are questioned. This is most important for serious illnesses, when the question of a person's life is being decided.

Many believe that health is the main life value of a person.

To this end, Sberbank has offered its customers a free online Second Medical Opinion service. This service was previously available only to customers who subscribed to the Premier package. The service has been in use since 2016. Since September 2018, it has also been applied to mass credit insurance products. This is a continuation of the bank's strategy, which since the beginning of the year has included a medical consultation service using telemedicine in its insurance policies.

Correct diagnoses are not always made in medicine from the first examination.

What is the advantage of a Second Medical Opinion? The borrower, if there is a primary diagnosis that is in doubt, will be able to double-check it. It will be possible to obtain a qualified conclusion on the verification of the diagnosis thanks to the experts of the Doctor Nearby clinic network, a partner of IC Sberbank Insurance. They will attract the necessary specialists for consultations, will assist in the selection of a package of documents. Obtaining a second medical opinion on the primary diagnosis and the available examination results is possible in various branches of medicine: oncology, traumatology, gynecology, cardiology, ophthalmology, gastroenterology, hematology, neurology. The service is implemented within the federal medical marketplace DocDoc.

The elements that make up the product, which is now available to all citizens

The demand for Sberbank's Second Medical Opinion service has already been tested by time. Hundreds of premium segment customers have already used the service to confirm the primary diagnosis, and in some cases managed to change the treatment. Most of the appeals were related to oncological, neurological, orthopedic diseases.

List of diseases that can be clarified

How to connect to the Second Medical Opinion service

To receive the service, the policyholder must register. Together with the insurance policy, each client is given a link to a personal account and sent as an SMS. After registering and entering the personal account, the user clicks on the button with the name of the service - "Second Medical Opinion". After logging in, you need to upload your medical record, conclusion and examination results, and then submit an application. When the documents are examined, the client receives a notification. The user will be able to see the result in the form of a conclusion in his personal account.

Connecting to the medical consultation service is easy - just 3 simple steps

Video - insurance news from Sberbank in 2020

The video will tell about the possibilities of obtaining an insurance policy and all the benefits for borrowers.

Conclusion

The purchase of life and health insurance at Sberbank is not mandatory when applying for a loan. But issuing a policy can protect the borrower and his family from possible unpleasant life situations and will not jeopardize the further repayment of the loan.