Sberbank is rightfully the leader among other credit institutions. And this is determined not only by the prevailing number of customers, but also by a huge selection of banking products. Some of them have been separated into separate companies owned by Sberbank. For example, Sberbank offers life insurance to all its customers and not only.

On the official website of Sberbank, life insurance is possible by going to a special section. Sberbank customers connected to their personal account online can become participants in the program.

Getting access to Sberbank's personal account for life insurance is as simple as registering a personal account on the Rusfinance website -

Features of registration in the personal account of the insured

On the Sberbank website for life insurance, a personal account is needed to view history and perform a number of other functions.

Login with login and password

You can open a personal page after an insurance contract has been signed with a credit institution. Turning to the official website of Sberbank life insurance is possible after entering your personal account.

Authorization

This will require a username and password. If a Sberbank client uses the services of the site for the first time, then he needs to register. This is the second section that is presented on the page. In addition to them, there are others:

• insurance case;
• information.

To register as an insurer, personal data will be required. The service warns that the information must be specified exactly as it was written in the agreement between the client and Sberbank. Next is the date of birth.

Full name, date of birth

The next step is for the user to select the product for which the contract has been concluded. It must be found in the proposed list.

Personal data

At the time of registration, information such as the numbers and series of the insurance contract must be provided. If there are several such contracts, you can specify any. You also need to enter your mobile phone number and email address. The last step is to create a username and password. The secret code must be reliable in order to exclude unauthorized persons from accessing the Sberbank website. To eliminate the error, the service prompts you to enter the password characters again.

Login and password

How to recover a password?

If the password has been forgotten, the service offers certain actions to recover it. To do this, you need to turn again to the login page for your personal account of Sberbank. Here you will need to click on the password reset link.

After that, the life insurance service will offer you to choose the password recovery option:

• via email;
• via mobile phone.

Both must match what the user indicated in the contract during registration. They will receive a new password. When you first log in, you can replace it with another one.

Life insurance programs from Sberbank

Sberbank for life insurance offers users a wide range of programs. On the official website, you should carefully study their conditions, and then choose in your account. For example, there is the program "Head of the Family". Within its framework, relatives and friends receive assistance in case of adverse incidents with the breadwinner of the family.

The client receives the policy within a few minutes after filling out the required form in the personal account. The document is sent to an email address. Its main advantage is the fact that it operates in any country.

The page tells about the financial component of the program. We are talking about the amount of insurance protection and its cost for the year. As well as the options for insurance protection, the cost of the policy. It also defines the risks against which the policy protects and its validity period.

Sberbank products

Sberbank under the life insurance program in your account offers different types of policies. Among the most popular:

• protection of loved ones online;
• secure borrower online;
• travel insurance online.

In addition, the list also includes accident and illness insurance. As well as popular investment and endowment life insurance.

Cumulative and investment insurance - how to apply?

In Sberbank's personal account, you can also get accumulative and investment insurance.

The accumulative life insurance program allows you to accumulate the required amount by a specific date, as well as in case of unfavorable situations with health and life, to receive insurance. Clients of two banking products, Sberbank Premier and Sberbank First, can become participants in this program. Thanks to the program, each of its participants has the following opportunities:

• save for certain purposes for the child, for example, for education, first purchase, mortgage payment;
• save funds by using the tax and legal privileges of the program.

In the latter case, we are talking about the fact that the tax base for personal income tax can be reduced by the refinancing rate of the Central Bank. The insurance payment is not subject to taxation on the income of an individual. These funds cannot be confiscated, recovered and are not divided between the spouses in the event of a divorce, like jointly acquired property.

And one more thing - the insurance amount is inherited by the person who is indicated as the beneficial owner. There is no need to wait six months to enter into an inheritance, a period of 30 days is set for this. Similar conditions are offered by the investment program of accumulation. At the same time, funds can be invested in different shares. The choice is always up to the user. These can be shares of RTS index companies, Sberbank, the first link in the US economy. In addition, you can invest in real estate, gold.

How to use the cabinet?

You can report an insured event online.

Notification of an insured event

You can also check the status of the application by entering your email and application number in the fields.

Application status

In the personal account of Sberbank, you can carry out all operations under the programs in which the user participates. To do this, you need to refer to the life insurance program and the section that interests the user. Next, select the service option. If necessary, you can make another payment. It is set by the client in the contract and can be one-time, annual, semi-annual or quarterly.

In this case, protection is carried out in full immediately after the first installment is made. The target amount of savings is formed from payment to payment. Also, in the personal account, options for situations when it is possible to obtain insurance protection are indicated. It is paid in the agreed amount and does not affect the amount of savings in any way.

After the contract has expired, the company makes payment in full. And if investment income was accrued during this period, then it is added to the main sum insured. Payments are made only to the person who is indicated as the recipient of the insurance payment. In your personal account, you can resolve all issues without leaving your home.

On February 19, 2018, a loan agreement (acquisition of finished housing) was concluded between me and the Bank in the amount of 1,800,000 rubles, with an interest rate of 9.4% per annum, for a period of 84
month. At the same time, a life insurance contract was concluded. On January 30, 2020, I received a message from number 900 with the following content: Auto payment “Protected
borrower "from the MIR card for 25827.81 rubles. will be executed on 01/01/2020. Commission 0.00 rub. To cancel, send the code to number 900. I did not activate this auto payment service, I did not send a message to number 900.
payment: “Protected Borrower” auto payment. The funds were withdrawn from my card without my consent, with the amount of the withdrawn funds
funds under the insurance contract, I do not agree. As of February 1, 2020, the balance of debt under the loan agreement from
02/19/2018 was 655649.80 rubles. Thus, the insurance premium
life insurance contract should be no more than 12,000 rubles. The bank unjustifiably wrote off funds under a life insurance contract in a double
amount, which is contrary to the terms of the agreement.
situations. Wrote an application for early termination of the insurance contract.
The funds should have been paid to me within ten days. On February 19, 2020, I turned to the Bank with a question about when the funds would be paid to me under the agreement
life insurance, in connection with its termination. The bank officer was unable to answer
to my question and said to call IC Sberbank Life Insurance LLC. 02/19/2020 and 02/22/2020 I called IC Sberbank Life Insurance LLC in order to
find out when to expect the transfer of funds. Employee of IC Sberbank LLC
life insurance "I was told that the application for early termination of the contract
they received insurance on 03.02.2020, but in order to transfer the money
funds require additional documents that the Bank has not submitted.
The insurance company applied to the Bank with a request to provide the missing
documents, but the Bank has not yet responded. On February 25, 2020, I wrote a claim to the Bank (No. 200225-0846-405600)
situation and refund me the unjustifiably debited money.
To date, the Bank has not responded to the claim. I repeatedly called the Bank and LLC IC Sberbank Life Insurance in order to find out when the answer to my claim would be and when to wait
transfer of funds, but still has not received a clear and
motivated response. That is, the operators politely inform me that the status
urgency is affixed and the appeal is in the work, but each time the consideration period
claim is extended. The last time was extended until 04/06/2020. I also left a claim on the official website of IC Sberbank LLC on 03/15/2020
life insurance" directly to management. So far, the response to
did not receive a claim. I do not currently have a valid insurance policy, thus the Bank
notified me of an interest rate increase in accordance with the terms
loan agreement dated February 19, 2018. However, the funds under the life insurance contract, in connection with its termination, were not returned to me. Almost two months have passed since the termination of the insurance contract. What is the reason for not paying me the money??? It is necessary to change the insurance company and urgently contact the Federal Service for Supervision of Consumer Rights Protection and Human Welfare and
court for the protection of violated rights.

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 of a specialist and provision of 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.

All funds invested in the insurance program will be guaranteed to be returned to the client at the end of the program, even if the value of the underlying asset falls. The amount and timing of the insurance payment are unconditional obligations of the insurance company and are fixed in the insurance contract.

The investment insurance program allows you to:

1. Invest money in the stock market without the risk of losing investments;
2. Preserve your capital with the program's tax and legal benefits:
   - the taxable base for personal income tax is reduced by the refinancing rate of the Central Bank, the insurance payment made upon the occurrence of an insured event is not subject to personal income tax;
   - funds invested in the insurance program are not subject to confiscation, collection, and are not included in the jointly acquired property in the event of a divorce;
   - there is no need to wait 6 months to receive an inheritance - if the insurance contract specifies beneficiaries in case of death, the insurance payment is not included in the inheritance and is made to the person indicated as the beneficiary within the time limits established by the insurance contract (as a rule - 30 days);
   - the least tax losses when transferring your savings to relatives.
3. Get reliable protection in case of unforeseen circumstances related to life and health.

The program is implemented by the Partner of the Bank -

The life and health of an individual in the event of an accident, illness, disability or death. The beneficiary may be either the Bank or another person determined by the insured.

Insured events

• Death of the insured person (borrower) as a result of an accident or illness
• Loss of working capacity by the insured person (borrower) and the establishment of disability of I or II group as a result of an accident or illness
• Temporary disability

New Services

• Remote medical consultation
• Second remote medical opinion

Tariff for connecting to the insurance program

Voluntary life and health insurance of the borrower - 2.4% per year

Voluntary insurance of life, health and in connection with involuntary loss of work - 3.6% per year

Voluntary life insurance and in case of diagnosing a critical illness - 3.6%.

Voluntary insurance of life and health of an individual with a choice of parameters - 2.6% per year

The program is implemented in partnership with IC Sberbank Life Insurance LLC (Licenses of the Central Bank SZh No. 3692 dated 07/04/2016, SL No. 3692 dated 07/04/2016. Address: 121170, Moscow, Poklonnaya St., 3, building 1).

The client has the right to purchase protection from any insurance company.