Reviews about the insurance company Raiffeisen Life. Reviews about the insurance company "Raiffeisen Life" How to conclude an agreement and pay premiums

SK Raiffeisen Life is an insurance company that is part of the Raiffeisen group of companies. If insurance is required for a loan product, then by default an agreement is concluded with this company. It offers favorable terms of cooperation and is a reliable partner for clients.

About company

This is a joint venture between Raiffeisen JSC and Unika Group. The latter is a leading European insurance company that specializes in work in Eastern Europe. On the official website of Raiffeisen Life it is written that the main partners of this organization are Raiffeisenbank and Alfa-Bank.

You can become a client of the company not only when applying for a loan. There are several interesting programs that can be implemented in the cities where the organization operates. Information about where there are branches of this insurance company can be found on the official website or clarified by calling the hotline.

Current Products

There are quite a few products in Raiffeisen Life Insurance. You need to know what exactly the company offers in order to get the maximum service from it. Currently the following applies:

financial protection programs;
insurance for bank borrowers;
health insurance;
critical illness insurance program;
accident insurance.

Financial protection

There are 4 additional programs, namely:

Kinder. Created specifically for minor clients. Parents can open an account in favor of the child and periodically replenish it. By the time a person enters adulthood, the company gives 100% of the savings and investment income to its client.
Perspective allows you to create a financial safety net. The essence of the product is the same as in the previous case, but savings are made in favor of an adult client.
Optimum allows you to insure life for a long term. If an insured event occurs, the client himself or his relatives receive at least 100% of the invested amount.
Heritage and legacy is a program designed to obtain compensation in the event of an accident, disability or death of a client.

Pay is carried out only on the basis of documents confirming the occurrence of an insured event. You can also receive money after the contract expires.

Programs for borrowers

At Raiffeisen Insurance, a client can insure his life when applying for a loan from a bank. There is no need to go to the insurance company in person: just fill out a policy that will be issued by a loan specialist.

Payment of contributions occurs online using the available details. It can also be done at any bank, but then a commission will be charged. To deposit funds, just go to the company’s official website, select the payment section and follow the instructions.

If the client wants to continue cooperation with the company after closing the loan, then Raiffeisen Life addresses can be found on the website. All further relations will take place without the participation of Raiffeisenbank.

Health insurance

It's not just about going abroad. Any illness can be considered insured events. Depending on the type of program, the amount of the insurance payment will differ, as will the list of diseases according to which you can receive payments for treatment.

Accident insurance

According to the terms of this program, the client or his relatives can receive up to 1.5 million rubles. To receive money, you must provide evidence that disability or death occurred as a result of an accident.

Critical illness insurance

The list of such diseases includes the following:

tick-borne encephalitis;
bacterial meningitis;
heart attack;
stroke;
oncological diseases.

The maximum payment amount is 1 million rubles.

How to conclude an agreement and pay fees

Depending on the purpose of contacting the company, you must contact its employees directly or Raiffeisenbank specialists. It is possible to get advice on support phone.

Important!

Employees are ready to provide full information support at any stage of cooperation.

If there is no Raiffeisen Life branch in the city where the client is present, then you need to contact Raiffeisenbank. Specialists will provide a policy and contract. You must have your passport and the required amount to pay the fees.

When paying through a bank branch, you must provide details. The commission is usually 1% of the amount. When paying through the site, you need to:

indicate the type of product;
enter the policy number;
write the e-mail and phone number specified in the contract.

After this, you will need to click on the payment button. The money will be automatically debited from the account linked to this agreement. Payment is received within 3-5 banking days.

Frequently asked questions from users

Often clients or future clients ask questions about cooperation with this organization. Here are the main ones:

Where can I get more information about the products? All information is on the website. You can also get advice from specialists at the service office or by calling the hotline.
Can a person who is not related to the client be a beneficiary? Yes, this is possible. This information will need to be specified in the contract.
How is the tariff cost calculated? Everything happens individually, so experts will not be able to immediately say what exactly a particular client can expect.
How to find out the investment component for the year? This can be found out by phone or in the client’s personal account.

Today, many people write reviews about their experience of working with this organization. Most of them are positive, which proves the honesty of payments and the reliability of the corporation.

» launches voluntary health insurance programs “Health Standard” and “Health Standard Plus”, created with the support of UNIQA Group, which has many years of experience in the field of international health insurance.

The new programs offer customers expanded medical coverage. In particular, if serious illnesses are diagnosed, Raiffeisen Life Insurance Company will undertake the organization of inpatient treatment and cover all medical expenses. The advantage of new products is a well-chosen set of risks *.

In addition, the programs include treatment of serious diseases in both Russian and European clinics. Under the Health Standard program, the insurance coverage limit is 2 million 113 thousand euros per insurance year. The expanded “Health Standard Plus” package also provides the opportunity to receive a one-time payment of one thousand euros in the event of a diagnosis of stroke or myocardial infarction and payment and booking of tickets in economy class to and from the place of treatment.

A client under the age of 60 can become a participant in both programs. To do this, just contact any Raiffeisenbank branch. The cost of the “Health Standard” program is 5 thousand 500 rubles per year for children and 15 thousand rubles per year for adults, “Health Standard Plus” for children - 8 thousand rubles per year, for adults - 25 thousand rubles per year . The contract for any program is concluded for one year with the possibility of further extension.

“More and more Raiffeisenbank clients are seeking treatment abroad, and now, if serious illnesses are detected, they are guaranteed to be able to receive the highest quality treatment by choosing a clinic in Europe or Russia at their discretion. A sufficiently high coverage limit allows the client to be confident that, no matter what, all his personal financial assets will remain protected,” says Roman Karandin, head of the bancassurance department at Raiffeisenbank.

“The issue of support in the event of a diagnosis of serious illness or the need for organ transplantation is being actively discussed all over the world,” notes Daria Zhukovskaya, head of the insurance product development group at Raiffeisen Life. - And, although the support from the Russian state in this area is significant, people strive to have their own resources to provide immediate and high-quality treatment in Russia or in other countries. The uniqueness of our product is due to the wide scope of its insurance coverage. At the same time, the Health Standard program can provide long-term financial protection in case of deterioration of health in the future.”

More detailed information about the voluntary health insurance programs “Health Standard” and “Health Standard Plus” can be found on the official website of the Raiffeisen Life Insurance Company.

JSC Raiffeisenbank is a subsidiary of Raiffeisen Bank International AG. JSC Raiffeisenbank ranks 13th in terms of assets based on the results of the 1st quarter of 2015 (Interfax-CEA). According to Interfax-CEA, Raiffeisenbank JSC is in 6th place in Russia in terms of the volume of funds from individuals and 9th in terms of the volume of loans to individuals based on the results of the 1st quarter of 2015.

Raiffeisen Bank International AG is a leading corporate and investment bank in the financial markets of Austria and Central and Eastern Europe. In Central and Eastern Europe, Raiffeisen Bank International operates an extensive network of subsidiary banks, leasing companies and a wide range of other specialized financial services providers in 15 markets. The bank's approximately 54,700 employees serve 14.8 million customers in more than 2,900 branches, most of which are located in Central and Eastern Europe. Raiffeisen Bank International is a fully consolidated subsidiary Raiffeisen Zentralbank Austria AG (RZB), owning approximately 60.7% of ordinary shares listed on the Vienna Stock Exchange, the rest of the shares are in free float. RZB is the central institution of the Austrian banking group Raiffeisen, which is the largest banking group in the country and acts as the head office of the entire RZB Group, including Raiffeisen Bank International.

LLC SK Raiffeisen Life operates on the basis of insurance license C No. 4179 77, issued by the Federal Insurance Supervision Service on July 3, 2009, as amended on February 1, 2010, July 9, 2010, August 23, 2012 and August 6, 2014. The company offers a wide range of life and health insurance products, is a member of the Association of Life Insurers and the All-Russian Union of Insurers and is among the top ten market leaders (according to data from the website).

"UNIQA Group" is the leading insurance group in Austria, Central and Eastern Europe with a market share of approximately 22%. It serves more than 10 million customers in 19 countries. The company has two strong brands - Raiffeisen Insurance and UNIQA, which provide the basis for further growth. UNIQA Group operates in 16 countries with the highest growth prospects and also manages insurance in Italy, Switzerland and Liechtenstein.

* The scope of insurance coverage includes oncological and cardiovascular diseases, heart, lung, liver and kidney transplantation, etc. A more detailed description of insurance risks, the full scope of insurance coverage, taking into account applicable exclusions, the applicable deductible, insurance payment limits and other terms of the contract insurance are specified in the insurance certificate, in the insurance program (Appendix No. 1 to the Insurance Certificate) and in the relevant policy conditions. Participation in insurance programs is voluntary. JSC Raiffeisenbank acts on behalf of LLC IC Raiffeisen Life on the basis of an agency agreement dated 06/01/10 dated February 8, 2010, general license of the Bank of Russia No. 3292.

When applying for certain banking products at Raiffeisen Bank, the client is often offered to go through the insurance procedure in order to avoid unpleasant consequences and unplanned costs if certain circumstances arise. Insurance is provided by Raiffeisen Life, an insurance company that provides personal, financial and some other types of insurance services.

Types of insurance in Raiffeisen Life

At Raiffeisen Bank branches, insurance can be purchased for almost all types of products: financial, medical protection and life insurance for persons receiving a loan from Raiffeisen. In only two areas is insurance provided only by Raiffeisen Life: against accidents and against fatal illness.

In the first case, the amount of contributions and the amount of coverage is determined depending on the client’s age, gender and general health. In the second, the maximum payment is 1 million rubles upon detection of cancer, coronary diseases, stroke or heart attack. In the first 2 months the amount is not paid, this is considered waiting time. Contributions are calculated individually, under standard conditions they are equal to 0.1%.

Citizens who have suffered certain diseases, a list of which is attached to the contract, are not subject to insurance.

Life insurance for mortgages and other loans

At Raiffeisen, life and health insurance is the most common request when issuing loans and mortgages, which is voluntary.

Separate projects are applied for each type of loan:

Life insurance for a consumer loan borrower in Raiffeisen. Risks include death and disability due to illness or accident. In such circumstances, SK Raiffeisen Life assumes the client’s debts and settles with the bank so that neither the victim nor his relatives bear financial costs if they find themselves in a difficult situation. The contribution is determined as 0.0281% of the loan amount.
Credit card. Similar risks are included. Cost – 0.0845% of the card limit.
Mortgage. The tariff is set individually, according to the client’s characteristics: 0.08-3.11%. When taking out a mortgage with Raiffeisen, life insurance is a significant advantage for the borrower. This allows you to obtain a loyal attitude from the bank by reducing the degree of risk for it associated with possible non-payments on the mortgage due to unforeseen events. It also protects relatives who will not have to pay the mortgage if the borrower dies.
For a car loan: 0.19% or 0.29%, depending on the coverage area. Separately, it is worth noting that OSAGO insurance is not provided by Raiffeisen.

There is also comprehensive insurance against job loss and accidents. Valid only for non-targeted loan projects at Raiffeisen Bank.

Health insurance

Raiffeisen Life health insurance is provided in two areas: Health Standard and Standard Plus.

If a dangerous or fatal disease (tumor, cardiovascular) is detected, as well as if it is necessary to undergo heart surgery or organ transplantation, the insured can count on help:

Organization of treatment in clinics in Europe and Russia;
Possibility of choosing an establishment;
Compensation for material costs associated with the course of treatment (based on reports and invoices);
One-time payment of the entire coverage amount (under Project Plus).

The extended insurance program at Raiffeisen Life also provides compensation for air travel and diagnostics.

Insurance is provided by Raiffeisen Life together with SG UNIQA, which has international experience in health insurance and its own medical institutions in Austria.

Financial insurance

Financial insurance at Raiffeisen involves the formation of savings in order to ensure future stability.

It works according to the following rules:

The insured stipulates the validity (survival) period.
Regularly transfers contributions (he sets the amount and frequency independently).
At the end of the term, he receives the entire amount of savings and additional income generated through investments.
In the event of death or loss of ability to work, the insured person or his family receives 100% of the amount.

There are four insurance options at Raiffeisen Life that work under these conditions:

Kinder: savings are intended for a child until he reaches a certain age, regardless of the client’s survival;
Optimal: only from an accident;
Prospect: 100% payment due to death, 200% due to unforeseen circumstances.

Conclusion

Raiffeisen does not provide travel insurance, property insurance or auto insurance. The main directions are: ensuring the life of the bank's borrowers on non-targeted loans and mortgages, protecting health from unforeseen events and several projects for material support (accumulation) for various purposes. The cost of a policy often depends on the personal characteristics of the insured and the amount of coverage.

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Nina Rating: 1 Negative review 04/03/2017 at 15:15

When I came to write an application for termination of the Raiffeisen Optimum program, on the 2nd working day after the conclusion, I was informed that my contribution would be returned to me only after 2 weeks, and not IN ENTIRELY, but minus a tax deduction. They said I need to go to the tax office and register the receipt. Disgrace, I did not expect such disgrace from Raiffeisen Bank.

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Nina Rating: 1 Negative review 04/01/2017 at 18:47

Don't get caught. Subscribed to the Raifazzen Optimum program. After carefully reading the documents, everything turned out to be not as rosy as the manager had described. Everything is unclear and most importantly it is not clear what I will really get and whether I will be able to get back everything invested, especially the policy for such a long period. I didn’t think that such a scam could happen in such a bank. I am urgently writing a letter of termination!

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Alexander Negative review 04/14/2016 at 17:01

In 2014, we closed the loan at Raiffeisen, at which point the manager began offering to save money for us. She was very convincing, describing how wonderful the Raiffeisen Optimum program was, that in two years we would get our money back and also get 10% of the amount paid. We were fools. We paid 54,000 in two years. After two years, it turned out that we can only get back after five years, and not the entire amount. It turns out that in five years we pay 126,000 rubles, but they will only return 110,000 rubles to us. But the problem is that we cannot continue to pay, because we only counted on 2 years and in the end, most likely, we will not receive anything at all. When asked why we were deliberately misled about payments under this program, they blinked. The managers immediately speechless. In general, people Raiffeisen Life is a complete SCAM. Please, people, if you don’t want to lose your money and waste your nerves, avoid this sham (Raiffeisen) and don’t be “led” by the rosy prospects of saving money, you’ll just give it to them scammers.

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Irina Rating: 1 Negative review 02/18/2016 at 23:50

In 2008, I took out a loan in Raiffeisen to buy a car - I repaid the loan ahead of schedule, everything was fine until 2013: at the branch on the street. Barclay had an excellent manager who always recommended favorable conditions. But the office was closed and a new one was opened, also on the street. Barclay, but another house - that's not the point. After talking with an excellent manager for 4 years, I was very pleased and confident in the bank. In December 2013 I...
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Elena Rating: 1 Negative review 08/16/2015 at 08:35

I was really scammed out of money at Raiffeisenbank under the Raiffeisen Life (insurance) program!!! Initially, I invested money with the condition of receiving income/investment, I didn’t even think about insuring myself, I wanted to invest the money as savings for my children, and the manager offered me this “wonderful” program under the Life Insurance agreement, they say, you will also receive investments (he also provided a table of investment growth ) and insure your life! But at the end of the term, I didn’t even receive my money!!! I won’t describe everything, it’s boiling so much that I can’t express it!!! I sent a letter to Rospotrebnadzor, they told me that this was a court case. As I understand it, this is investing again. But will it be true?!
I consider it my duty to warn every gullible person - do not go to this bank, you will get burned!!!