Unfortunately, no one is insured against accidents, accidents and diseases during the holidays. Even with people who monitor their health, unpredictable troubles happen. Numerous insurance companies help to secure. All that needs to be done is to conclude a contract with a specific organization and make monthly payments. In the event of an insured event, the company will indemnify. True, it is worth trusting only trusted organizations that have been working for more than one year and show good results. One of those is the company Rosgosstrakh. Customer reviews about her can only be heard positive.
Information about the company
Rosgosstrakh is one of the largest companies in Russia providing insurance services to individuals and legal entities. Everyone has the opportunity to protect themselves against a variety of risks. Today, there are over 3,500 company offices across the country. Over 50 different insurance programs are offered. This is not only popular CASCO and CTP, but also special insurance in the commercial industry. Businessmen may not be afraid of large losses if they sign an agreement with Rosgosstrakh. Customer reviews show that contracts are concluded on loyal terms. Employees work transparently and honestly.
Specialists strive to include the maximum number of risks in the contract. Due to this, the degree of reliability of cooperation with the company increases several times. In 2013, Expert RA Rating Agency confirmed the high reliability of Rosgosstrakh Insurance Company. A little later, the company was also noted by the National Rating Agency. Rosgosstrakh today has an AAA level, indicating the maximum degree of reliability.
Specialists of the insurance industry believe that the contract with an individual should not only be reliable, but also simple. It is no coincidence that company employees are erased to provide maximum information to their customers. Everyone should understand why insurance is necessary, what benefits will be obtained by working with Rosgosstrakh JSC. Customer reviews show that specialists are happy to answer all questions, give each person as much time as necessary.
History of Rosgosstrakh
The company was established in February 1992 in the form of a joint stock company. All shares at that time belonged to the state. On February 10, Resolution No. 76 “On the Establishment of a State Insurance Company” was issued. It was assumed that this joint-stock company would become the successor of the State Insurance of the RSFSR, created in 1921. In 2003, more than 70% of the company's shares were privatized. Therefore, today the company is no longer fully state-owned. In 2008, Rosgosstrakh acquired the insurance companies Capital Reinsurance, Capital Life Insurance, and Capital Health Insurance.
In September 2010, the state sold another 13% of the insurance company to private individuals. Today, 52% of securities are owned by RGS Holding LLC, 21% by RGS ASSETS LIMITED. The executive director of the insurance company is Danil Khatchaturov.
Branches of IC Rosgosstrakh are open today in every region of Russia. Business is also carried out in a number of CIS countries. The Rosgosstrakh Armenia company operates in Armenia, the Providna company is widely known in Ukraine. A subsidiary company, Rosgosstrakh, has been opened in Belarus. Customer reviews from neighboring countries show that many deals are also concluded with subsidiaries today. The most popular is car insurance, as well as life and health insurance.
"Bank Rosgosstrah"
The company provides not only quality insurance services. Rosgosstrakh Bank is also popular in Russia today. Reviews show that this financial institution is very popular among customers. People trust companies with a high level of reliability.
The name known to many appeared only in September 2001. But here the history of a financial institution begins in the distant 1994. Then the form of a joint-stock company created the commercial bank Fintransbank. The authorized capital at that time was only 100 thousand rubles. The Bank of Russia license was obtained in September 1994. Already in 1995, the name of the financial institution changed to “Russian Interregional Development Bank”, in abbreviated form - JSCB “Rus-Bank”. This name lasted until 2006, when the financial institution was renamed a closed joint-stock company. On September 6, the name Rosgosstrakh Bank, known to many, appeared. Reviews of experts show that such a name has taken root most quickly due to the existence of the insurance company of the same name.
The authorized capital of the bank has changed rapidly since its inception. In 2001, this amount amounted to 500 million rubles, and in just one year it doubled. In 2002, a financial institution received a general banking license. Today its authorized capital exceeds 2 billion rubles. The Bank provides services to both individuals and legal entities. Various loan and deposit products are offered, private entrepreneurs have the opportunity to open an account, salary projects are offered to corporate clients .
Car insurance
Contracts related to vehicles are the most popular in any insurance company. Excellent products are offered by Rosgosstrakh. Reviews show that the deal can be concluded as quickly as possible at the nearest office. It is only necessary to provide a minimum package of documents. The cost of CASCO from IC Rosgosstrakh depends on the year of manufacture of the car, its mileage and technical condition. For the average vehicle will have to pay about 6 thousand rubles.
Several CASCO insurance programs are offered. Beginners most often choose a program called "Nothing more." It involves protection from basic risks, such as theft of a vehicle, a traffic accident, total loss and damage. The only problem is that drivers who have purchased a car on credit cannot use this service. To take advantage of such a CASCO program, you must be a full owner of the vehicle.
For compulsory insurance, you can also contact the company "Rosgosstrakh". Customer reviews show that people who previously collaborated with the company manage to conclude an agreement on loyal terms. MTPL is only protection of the driver’s liability in the event of a traffic accident. Those who want to insure their own car should pay attention to one of the CASCO programs.
The Rosgosstrakh company always works honestly and openly. Customer reviews of payments show that compensation is made immediately after checking the documentary evidence of the insured event. In addition, car insurance in a trusted company is convenient. Rosgosstrakh has a high level of reliability, and the presence of an online service helps to significantly save customers time.
Compulsory Health Insurance
Unfortunately, it is impossible to defend oneself from health problems. However, counting on high-quality medical services can be practically anyone who draws up a compulsory medical insurance policy. Without this document, free services in hospitals and clinics cannot be provided. Statistics say that one in seven Russians received a compulsory medical insurance policy from Rosgosstrakh. Reviews show that the branches are located in the most convenient places, and the online service allows you to conclude a deal without leaving your home computer.
Qualified specialists of the insurance company ensure that activities related to compulsory health insurance are timely implemented. This includes payment for services in clinics and hospitals. Clients can rely on quality service free of charge in any medical institution.
All you need to do to get a policy is to contact Rosgosstrakh. The insurance company reviews customers who have used the service, is mostly positive. Employees in an accessible form explain what documents need to be provided, how long the contract is valid. To make a deal, you must write a statement at the nearest branch of the insurance company. Additionally, a copy of the passport of a citizen of the Russian Federation is provided. Compulsory health insurance does not expire. The exception is transactions concluded with citizens of other countries with refugee status. The validity of the insurance policy in this case corresponds to the time spent in the country.
Private pension fund
In youth, few people think about how fast time flies. Many girls and boys, seeking to earn more, go abroad. In Europe, it’s possible to get a really good income. However, the problem is that this income is not fixed in the native state, which means that it does not affect the amount of the pension in the future. It was for such cases that a non-state pension fund was created . Today, NPF Rosgosstrakh is very popular. Customer reviews state that deals with transparent conditions are offered. An insurance company can guarantee high benefits to people who have reached retirement age. Old people should not be associated with poor and low-income people.
You can participate in the formation of pension savings long before the onset of old age. According to many citizens, a decent Rosgosstrakh company pension can be provided. Customer reviews show that the contract should be concluded as soon as possible. This will allow you to live comfortably after 60 years.
The most popular product is the Pension Plan program. Payments in old age can reach salary levels. So, if at the age of 30 you start to monthly pay 6 thousand rubles to the account of an insurance company, then by 55 years an additional non-state pension will be about 19 thousand rubles. This is a significant increase, which allows you not to worry much about old age. An elderly person will feel even better if he uses other Rosgosstrakh products. Life insurance customer reviews also has positive. A person feels more confident if he knows that in case of an accident he will receive financial support.
Lending from Rosgosstrakh
Very popular are the loan products of the financial institution Rosgosstrakh Bank. Customer reviews show that the contract can be concluded on loyal terms. From the documents you need to provide only a passport and identification code. For those who want to get a consumer loan for a small amount, it is not necessary to take an income statement. You can find a representative in almost every major household appliance store. In addition, branches operate in many localities.
It also offers credit cards of Rosgosstrakh OJSC. Customer card reviews are positive. The main advantage is the grace period of the loan, which allows you to use the bank’s money absolutely free for 50 days. If finances are returned on time, the client does not lose anything. This is very convenient for those who need money before salary.
Rosgosstrakh Bank has more than 500 partners. These are various companies offering goods and services. People who use a customer’s card can be given a 25% discount. On loyal terms, you can purchase household appliances, furniture, as well as food.
It has transparent conditions for a customer card. Rosgosstrakh Bank receives expert reviews for the most part. The fact that every customer has the ability to track the movement of the account in their own online account is encouraging. All you need to do is register on the bank’s website by entering your payment details.
Salary project from Rosgosstrakh Bank
Recently, a financial institution has been inviting corporate clients to collaborate. Various firms and organizations have the opportunity to credit employees to plastic cards of Rosgosstrakh JSC. The number of corporate clients is increasing every day. This is no coincidence. After all, a wide banking network allows you to collaborate with both large organizations and small firms across the country. At the same time, to implement a salary project, it is completely optional to open a bank account.
What do employees who have a Rosgosstrakh bank salary card get? First of all, this is an automated crediting of all payments. People can get their money on weekends and holidays. It all depends on the accounting work of a particular company or organization. It is possible to conclude an additional contract for the installation of an ATM in the organization.
Customers claim that a payroll card is also beneficial. Employees of the company that concluded the contract automatically fall into the client base of a financial institution. This makes it possible to sign loan agreements on loyal terms. Rosgosstrakh insurance also gives many advantages. The reviews show that the compulsory medical insurance, comprehensive insurance or motor third-party liability insurance policy can be obtained much faster for those customers who have salary cards.
Placement of available funds
The Rosgosstrakh company allows not only to preserve its savings, but also to protect them from inflation. Several deposit products are offered at once. The most popular is the "universal" contract, which is drawn up for one year. The minimum amount of placement is 5 million rubles. The rate is 6.5%. Income is paid monthly. In case of early termination of the contract, the client can count on a rate of 0.5%.
A replenished deposit with interest payment at the end of the term is also popular. The minimum amount for concluding a contract is 100 thousand rubles. Additionally, the client can deposit any amount once a month. The interest rate depends on the period for which the contract is concluded. Maximum it can reach 10.25%. The contract can only be concluded in national currency.
Reviews on the work of the company "Rosgosstrakh"
Throughout its history, the company has truly managed to win the trust of customers. Many have already managed to receive payments under their contracts. Some already receive non-state pensions today. All the most popular insurance programs are offered by Rosgosstrakh. CASCO customer reviews are as positive as other insurance products. It is car insurance in the company today that is the most demanded. Customers note that the contract can be concluded in a matter of minutes (subject to the provision of a full package of documents).
The Rosgosstrakh Life program is no less popular. Customer reviews say that such a deal allows you to feel more confident when traveling abroad. People traveling abroad can purchase an additional policy that can guarantee high-quality medical care in a foreign country. Unfortunately, it is impossible to protect yourself from illness even during the holidays. You can also protect your luggage during flights.
The company "Rosgosstrakh" attracts customers with its quality service. Point of sale is available in almost every locality. Information about the main products can be provided here, employees will be happy to answer exciting questions. More advanced customers will be happy with the high-quality online service. You can apply for an insurance contract or a credit card in real time. All you need to do is go to the company’s website and enter the basic data. Here you can pre-calculate the cost of the CASCO or CTP policy.
Today the company "Rosgosstrakh" is developing rapidly. New branches appear in remote corners of the country. Excellent results are also shown by subsidiaries operating in Ukraine and Kazakhstan. The number of satisfied customers is growing every day.