Life insurance at Sberbank is the first step towards improving the quality of life, a guarantee that in unforeseen cases you will have additional protection, a special reserve for solving problems that have arisen. Sberbank has several life and health insurance programs, and everyone can choose the one whose conditions will be optimal for him.
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In average families of Russians, the head of the family brings the main income to the family, less often both spouses replenish family budget. The family becomes too tight when the breadwinner loses his ability to work and the ability to provide for his household. Insurance coverage under the "Head of the Family" program provides a wonderful opportunity in the event of disability or death of their breadwinner due to an accident to receive compensation in the form of financial payment from an insurance company.
According to the terms of the "Head of the Family" insurance, the insured events include:
Important! The insurance contract gains legal force only 15 days after the payment of the policy, and its validity period is 12 months from the date of conclusion of the agreement.
The main advantages of the "Head of the Family" insurance are as follows:
The cost of insurance under this program depends on the amount insured. Sberbank offers a choice of three insurance options so that each client has the opportunity to independently determine the optimal amount of protection, taking into account their own financial capabilities and solvency.
Table. The cost of insurance and the amount of insurance protection.
Important! In the event of death due to an accident during a plane crash or a railway accident, the insurance company pays an amount of 1 million rubles.
To apply for a policy, you need:
Everyone who is not indifferent to the fate and well-being of his relatives and friends takes care of them and does everything to make them happy and healthy. The policy from Sberbank "Protection of loved ones" allows you to insured event receive financial assistance to pay for the treatment of insured persons. The insurance also compensates for losses due to the temporary loss of efficiency of the insured during his stay on sick leave, thereby protecting the family budget from unforeseen expenses.
Sberbank allows customers to choose independently which of their relatives and relatives will be insured, therefore it offers a choice of three insurance options:
Important! Persons who belong to one category or another, but do not fall within the age restrictions, cannot be insured.
Under the terms of each program under the “Protection of loved ones” policy, life insurance is provided for the Insured himself in the event of death due to an accident during a plane crash or a railway accident. In this case, after the death of the Insured, an additional sum insured is paid.
Insurance coverage for risks associated with death due to an accident, railway or air crash, applies exclusively to the Insured, whose age must not be less than 18 and exceed 65 years at the time of issuing the policy.
Insurance coverage for risks associated with injury applies to spouses, children and parents of the Insured, according to the selected insurance program. At the time of conclusion of the insurance protection contract, the age must be:
Persons who:
The cost of insurance ranges from 900 to 4.5 thousand rubles, depending on the amount of coverage chosen. Everyone can choose at their discretion, taking into account possible risks, the best option out of the three proposed.
Table. The amount of insurance protection and the cost of the policy.
The procedure for issuing an online policy is similar to the procedure for issuing insurance under the “Head of the Family” program with only one difference - here you need to choose not only the amount of protection, but also the option of the insurance program.
The borrower's health and life insurance program is the best way to get financial protection obligations of the Insured mortgage loan from Sberbank in the event of his death or disability due to an accident. In the event of an insured event, the amount of the Insured's debt to the bank will be fully repaid by Sberbank Insurance.
This program insurance covers only two insured risks:
Under the terms of this program, there are age limits for health and life insurance of Sberbank borrowers, according to which the Insured Person must be at least 18 years old and not older than 55 for female borrowers and 60 years for male borrowers at the time of signing the insurance contract . Persons who do not meet these criteria cannot be insured.
The sum insured is the balance of the Insured's debt to Sberbank on a mortgage loan. The cost of the policy depends on several factors:
You can calculate the exact cost of the policy on the official website of IC Sberbank Insurance LLC using the electronic calculation form and first answering six questions regarding the health of the Insured.
The cost of the insurance policy depends on the balance of the debt on the loan, and these data must be indicated in the contract, therefore, before applying for insurance, it is necessary to clarify the exact amount of the debt in order to avoid misunderstandings. You can find out the amount of the remaining debt to Sberbank:
To receive you need to necessary information through the Sberbank Online system, you need to:
You can apply for a policy online on the official website. The algorithm for this procedure is as follows:
This insurance program is aimed at ensuring the protection of the Insured in the event of unforeseen circumstances and loss of health. Under the terms of this program, the object of insurance is the life and health of the Insured in the event of death or disability of group I or II as a result of illness or accident. In the event of an insured event, any person or bank receives the benefit, depending on who the Insured determines as the Beneficiary.
To obtain this insurance, you must:
Tariffs for joining the program voluntary insurance life:
Program accumulative insurance was created so that everyone could accumulate the necessary amount, thereby insuring themselves against unforeseen circumstances in the future related to the health and life of the Insured.
The main advantages of the program:
This insurance program operates according to the following principles:
Important! At the time of registration of insurance, the policyholder can activate the special option "Exemption from payment of insurance premiums" and use it in case of loss of the opportunity to make regular payments as a result of disability.
Benefits of this program:
Under the terms of the program, there are certain principles by which it operates:
The client independently determines the direction for investing the funds invested by him in this program. Reviews of life insurance at Sberbank indicate that the company actually makes payments upon the occurrence of insured events, which inspires confidence in the insurance system among Russians.
Recently, many financial institutions began to present the well-known insurance service in a new way. It turns out such an old candy, but in a slightly updated wrapper. With the help of this service, it is now possible not only to insure the life of the borrower in case of non-payment of the loan, but also to protect his entire family from an accident and a threat to life. Not so long ago, this service appeared in such a large financial organization as Sberbank. Life and health insurance is carried out here according to specially developed programs. What is this banking products? What is their essence? And how interesting are they to the end user?
At the moment, Sberbank offers life and health insurance to everyone. Each of the programs related to this offer is associated with the insurance of certain persons. It allows you to protect them from accidents, injuries and other dangerous moments. For example, here you can issue:
When issuing life and health insurance, Sberbank offers to do this in accordance with the subject of insurance programs. For example, the annual policy "Head of the Family" allows you to provide relatives and friends with a certain financial assistance in case of loss of life or harm to the health of the main breadwinner. Insured events under this contract include:
The process of connecting to the program itself is carried out on the official website of LLC IC Sberbank: life insurance. To apply for such a policy, it is enough to fill out an online form and wait for receipt insurance contract to the email address you provided. According to many users who managed to register with Sberbank: Life Insurance LLC and receive this policy, such assistance was just in time. Those of them who nevertheless lost their breadwinner due to an accident were able to receive material compensation in full.
This insurance ("Sberbank: life insurance") makes it possible to insure against accidents the following categories of citizens:
As you can see, the age of the insured persons in this case ranges from 2 to 75 years. Therefore, both children and persons of retirement age can be insurance participants. And this insurance, according to the stories of many insured persons, easily covers the costs of medical treatment, professional assistance for fractures, frostbite, severe injuries and burns. The amount of insurance protection in this case ranges from 100,000 to 500,000 rubles. This policy is also issued online, and you can pay for it on the website of the organization. Moreover, everyone is offered several payment options at once, one of which is payment by card.
Insurance company "Sberbank: life insurance" offers insurance services necessary for the borrower and the financial institution. Most often, quick and unsecured loans fall under insurance protection, as well as home loans. In addition to being an excellent safety cushion for the lending bank, this policy is also very beneficial for the borrower. The fact is that such insurance helps to provide him with some financial protection, for example, if he receives a serious injury that leads to a significant deterioration in health, disability or death. In the event of an insured event, your policy will cover the rest of the money on the loan.
LLC Sberbank: Life Insurance also took care of tourists going on vacation to different countries peace. With it, you can insure not only your luggage in case of loss and theft, but also your own life and health.
According to the stories of many users, this insurance helped them solve the problem with treatment and transportation from another country where the injury was received. At the same time, its size directly depended on the length of stay in the territory. foreign state, the number of insured persons and the amount of insurance coverage. The term of this policy is from a couple of days to a year.
When choosing this policy, the object of insurance, as a rule, becomes an individual or legal entity, a bank. The insurance itself undertakes to protect the insured object from the consequences of various diseases, injuries, disability and death.
To connect to this insurance program, it is enough to contact the nearest branch of a financial institution and inform about the choice of the program. Then all that remains is to write an application, sign a contract and pay for insurance. You can do all this directly at the bank.
The accumulative program allows you to collect a certain amount of money for a certain period of time. Then it can be spent upon the occurrence of an insured event associated with a deterioration in health or a likely threat to life. At the same time, this policy makes it possible to accumulate a certain endowment capital, intended, for example, for making a down payment on a housing loan or paying for studies at a university.
Special attention deserves universal insurance and at the same time investment product IC "Sberbank: life insurance". Reviews about it can be heard in a very positive way. According to the stories of some users, one contribution is enough to start accruing dividends. Moreover, your contribution is made in two directions at once: in favor of highly profitable and risk-free investment instruments. At the same time, the program allows you to insure the person concerned against accidents, as well as bring him a constant and almost unlimited income.
Among the opinions of users about the insurance programs of a partner of Sberbank, one can hear not only positive, but also negative statements. For example, some users are frustrated with one of the storage systems. According to them, you have to wait too long (5-15 years) to receive income, and the amounts earned are much lower than promised.
Others complain that in certain cases they have to prove their case not only in words, but even in court. Some are outraged that the insurance company "Sberbank: Life Insurance" does not return, and if it does, then this amount is very far from the originally invested.
However, no matter what situation caused such negative reviews, it is necessary to look at the root of the problem. And the thing is that before signing the insurance contract, it must be carefully read. It would seem so simple. However, this is precisely what many of the users do not do. By the way, Sberbank is quite loyal to customer requests, so it is happy to give a sample contract for home study. Therefore, if you are offered a new insurance option, do not be too lazy to ask for a sample contract and study it carefully. And only then the number of negative reviews will be significantly reduced.
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 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 insure the life of citizens.
LLC SK Sberbank life insurance - the official website is one of the main on the market valuable papers and protection of citizens. According to the rating of banks, it is one of the three strongest companies in the territory Russian Federation. For 9 months, the amount of insurance increased and became 46.8 billion rubles, which is a colossal result.
LLC IC Sberbank life insurance has a sole shareholder - PJSC Sberbank. It promotes insurance programs. You can buy Sberbank Life Insurance products at various Bank offices 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.
"Family asset" - providing protection by the bank in the event of the death of one of the family members, and in parallel, finances are accumulated to necessary time. 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 monetary protection if adverse conditions occur. They include health problems or Sberbank will return in the amount of 100% of the money deposited at the end of the contract period insurance policy.
"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.
"SmartPolis" - universal, the best solution for smart investors. This program has a one-of-a-kind strategy for working and controlling stock market taking into account all 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.
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.
"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 loved ones PLUS" allows you to create monetary 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 support, and will also help 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.
On the insurance market the direction of protecting customers became relevant, so Sberbank was 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 freely 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 meet the needs of all citizens in individually. It is important that you live a fulfilling life without fear.
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 says in top level reliability. They also received the highest score on the attractiveness of the employer from the rating agency Expert RA - A.hr.
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:
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:
It is permissible to appoint a bank or other person as a beneficiary (except 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. Appointing 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).
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:
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).
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:
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.
The client has the right to choose his own payment option:
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.
The insurance contract is terminated in such cases:
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).
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.
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. Besides, banking institution lowers the rate for conscientious 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 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).
It is possible to issue 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:
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.
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 the 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 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 result in the form of a conclusion, the user will be able to see in his personal account.
Connecting to the medical consultation service is easy - just 3 simple steps The video will tell about the possibilities of obtaining an insurance policy and all the benefits for borrowers.
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.
There are a large number of offers from various companies, both small and large, on the insurance services market. Also, there are various financial corporations that provide comprehensive services: banking, investment, insurance, etc.
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Among the largest companies of this type are Sberbank, VTB, Otkritie. Sberbank Insurance Company is a subsidiary of Sberbank of Russia, which is engaged in life and health protection programs.
The company has been in existence since 2012 and already in such a short period of time it has taken a leading position in its industry.
At the moment, the company offers its customers various life and health insurance programs, which depend on the needs of customers:
IC Sberbank is a leader in the insurance services market. The sole shareholder of the company is Sberbank of Russia, which has the highest rating of public trust and brand awareness.
It is part of the largest financial organization in our country, which has significant support from the state, which ensures stability and reliability.
IC Sberbank together with Sberbank of Russia promote services to protect the life and health of customers throughout the Russian Federation. Products and services can be issued at any sales office of Sberbank of Russia, First, Private banking, as well as in Premier service areas.
Risk protection programs can also be issued at a subsidiary of Sberbank of Russia - Bank Setelem.
The company offers its clients a new type of service: investment life insurance. This is an investment Money in investment programs in the stock market, protection of invested capital and life under unforeseen circumstances.
Investment in financial instruments goes in two directions:
For clients who want to try this type of protection, SK offers SmartPolicy.
The main principles of which are as follows:
The invested funds are invested in the following market instruments:
Thus, investment life insurance is a completely new tool for investing money - it combines the reliability and stability of deposits and the high profitability of working on the stock market.
The main principles are long-term and diversification of assets, which allow you to receive not only stable, but also high income.
This is a combination of the possibility of accumulating funds for a specific event and insurance protection client's life. Such a product includes a guaranteed return on investment and additional income that depends on the results. investment activity companies.
The company has three areas of accumulative programs:
Each of these programs operates on the same principle - the accumulation of funds by a certain date, but these packages also have their own distinctive features, and, consequently, the principle of operation:
Terms of the savings program:
This is a type of protection that pays out to cover the risk. This type of insurance services appeared on the market relatively recently. In this program, the list of insured events has been significantly expanded.
In IC Sberbank, such a program is called an "airbag". This is an opportunity to protect yourself and loved ones from the onset of unforeseen situations.
Agreement on this species insurance provides for a fairly wide list of possible risks, which allows you to fully protect the family from undesirable events: injuries, disability and death.
At the same time, insurance protection starts working from the first installment. This is the most demanded program by clients due to its three-level client protection.
Boxed products are a product that allows for short term, a small amount and without unnecessary formalities to protect everything that is needed from unpleasant events: both property and life.
The procedure for concluding a contract is simple and fast:
IC Sberbank offers customers of Sberbank of Russia and Bank Setelem to conclude a life insurance contract. This offer is valid for borrowers on a loan (mortgage, car loan, consumer).
Each borrower who undertakes any financial liability(including credit), should think about financial well-being of his family.
In the event of an insured event (death or disability), liability to the financial institution for credit obligations is shifted to relatives and friends of the borrower. If the loan amount was large, then monthly payments can become an unbearable burden.
It is the program of voluntary protection of the life of borrowers that will allow all responsibility for the current loan to be transferred to the insurance company.
The term of the contract is always determined by the term of the loan, and the sum insured is limited to the amount of the loan. The cost per month will be from 0.24% to 1.70% or from 2.7% to 2.9% annually. These tariffs are selected individually for each client, depending on the amount of financial obligations.
The mission of the company was officially approved in 2013. The main principle of the company is the desire to be an "honest expert" who cares about his client. Sberbank, with its slogan “tomorrow will be”, takes care of the future of its customers and wants it to be financially prosperous.
The main symbol of the company is a tree, which is associated with constant growth and upward striving, and is also becoming stronger and stronger.
In a short period of time, the Sberbank insurance company was able to gain fame among a wide range of people - in just 3 years (since 2012), the Sberbank Life Insurance program took its place in the top three in the insurance services market.
In 2015, the company received the highest reliability rating - A ++, which means the highest degree of reliability. By international standards, the insurance company is also not inferior and has a rating of A +. Sberbank insurance in 2014 took 8th place in the list of the largest insurance companies.
Sberbank has not only developed various protection programs for its clients, but also selected practical recommendations for each client who chooses one or another type of insurance.
Key Tips:
Thus, Sberbank provides a full range of life insurance services, which will be an excellent addition to other bank services.
