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AlphaInsurance of SG

Company

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Owners:
Alfa Group
Association of Financial those (AFT)
Shareholders of the AlphaInsurance Group are the companies of consortium "Alfa Group".
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Assets

Owners

+ AlphaInsurance of SG
+ Mikhail Maratovich Friedman
+ Alexey Viktorovich Kuzmichev
+ Pyotr Olegovich Aven
+ Andrey Nikolaevich Kosogov
+ The Mark Foundation for Cancer Research

The AlphaInsurance group — one of the Russian insurers with a universal service portfolio.

Assets

For April, 2019 the AlphaInsurance group integrates:

Equity of Group is 14.3 billion rubles.

The AlphaInsurance group is a part of financial and industrial consortium "Alfa Group" (Alfa-Bank, Alpha Capital, A1, Rosvodokanal, X5 Retail Group N.V.).

According to the license the Group offers more than 100 insurance products, including products on life insurance and accident insurance. In the territory of Russia the insurance activity is performed by more than 270 regional representative offices. More than 24.8 million clients across all Russia use services of Group. The AlphaInsurance group has the rating of financial stability of Fitch of "VV" on the international scale and the highest rating of reliability of ruAA + RAEX rating agency.

Performance Indicators

2019: More than 53% of policies of the CMTPL are in the first quarter issued online

In the first quarter 2019 AlphaInsurance signed 1.24 million agreements CMTPL, 53.7% from them are the share of electronic policies. Total number of the sold policies at the same time increased by 16.5%, reported in AlphaInsurance on April 29, 2019.

For the first quarter the company signed 663.8 thousand agreements EOSAGO that is 14% more, than for the same period of last year. The number of paper agreements, on the contrary, was reduced by 1.8% — to 571.6 thousand pieces.

Charges of the company in a CMTPL segment in the first quarter made 7.2 billion rubles that is 14% more, than for the same period of 2018. Shares of charges from implementation of electronic and paper policies were separated approximately equally, at the same time a little more than 50% of charges are necessary on EOSAGO.

IT infrastructure

IT infrastructure of Group is characterized by complete centralization, the main services and the systems of their maintenance are concentrated in the Headquarters with remote access of users from all points of presence (including – for sales associates and to settlement of losses).

2019

  • 350 IT of specialists
  • 30 product commands
  • 180 developers

The strategy of work about [1]

  • Approach from simple to difficult: at first servers in a private cloud then servers in a public cloud then kubernetes in a cloud
  • The cloud quota should be integrated with the systems of the company
  • In a cloud well external conditions on performance it has to be better than in private
  • The model the cost of services is calculated proceeding from a depreciation period of own infrastructure

Requirements to cloud services

  • integration with network of the company
  • existence of the necessary list of images of servers
  • input in the domain and selection of a DNS name an automatic process
  • existence of API for work on the Infrastructure model as the code
  • creation of the server of 5 minutes
  • response time administrator of the console <<=5 сек
  • reading record disk ~ 100 microsec
  • the cost of services does not contradict assessment model

Current status on clouds

  • Quantity of commands with a quota in a private cloud: 25
  • Quantity of commands with a quota in a public cloud: 1
  • Quantity of commands without infrastructure: 4

Further plans

  • Migration of 80% of commands in external IaaS a cloud
  • Integration with cloud kubernetes
  • Integration with PaaS/ Saas clouds

History

2019 Data of thousands of clients of Alfa-Bank and AlphaInsurance are offered for sale

On November 5, 2019 it became known that the given about 3.5 thousand clients of Alfa-Bank and about 3 thousand clients of AlphaInsurance are offered for sale. The corresponding declaration was revealed at one of specialized forums. Read more here.

2018: 4.8 million gadgets and devices of home appliances are insured

On April 12, 2019 the AlphaInsurance company announced that for 2018 it insured 4.8 million gadgets and devices of home appliances that is 17% more, than the previous year. The average price of the policy was 1.2 thousand rubles, counted Analytical center of the company.

The product "Protection of Purchase" allows to protect gadgets (mobile phones and smartphones, navigators, e-books, notebooks, tablets) from death, plunder and also covers risks of the mechanical damages connected with reckless acts of both the third parties, and the insurer. The cost of the policy depends on the size of a covering, the list of risks for each specific gadget or the device.

The main part of gadgets is insured during purchase in shop, it is the easiest way of insurance both for the buyer, and for the insurer. In this case additional inspection of goods is not required, and process of signing of the contract takes several minutes. 

The most frequent damage of the equipment traditionally is mechanical breakdown: the device can fall, and its parts – to break. Further damages by water and thefts follow. The number of statements for a loss in 2018 was 35 thousand pieces, from them 89% of addresses concerned breakdown.

«
"The policy "Protection of purchase" from AlphaInsurance allows to protect gadgets from different risks. If your pet damaged phone, the child broke the screen, the device was stolen or you dropped it in water, the insurance company will pay compensation or will help to repair the expensive device".

Irina Karnayeva, director of the department of proprietary insurance of individuals AlphaInsurance
»

2017

Statement for use by swindlers of a name and website of AlphaInsurance

On November 21, 2017 the AlphaInsurance company announced that specialists in IT security of the company in November faced multiple attempts to use a name and the website of AlphaInsurance for the purpose of commission of potentially fraudulent activity on collecting and plunder of personal information.

So, for example, in the morning on November 21 specialists of service of IT security of AlphaInsurance recorded distribution on the Internet fraudulent spam mailing on behalf of certain "AlphaInsurance fund" to the indefinite group of people.

To receivers of letters and messages under the pretext of receiving money payment suggest to follow the links on the Internet which do not have any relation to AlphaInsurance company, lying out of the domain zone alfastrah.ru and not belonging to JSC AlphaInsurance.

As it was succeeded to set to specialists of the company, swindlers try to collect personal data (the series/passport number, Insurance Numbers of Individual Ledger Account, birth date and birth place also this from any other documents allowing to identify Internet users) for the purpose of a potential phishing.

In communication in AlphaInsurance said to these that according to requirements of the Russian legislation in the company do not use instruments of bulk mailing or the customer notification and/or other persons without receiving such consent from them.

Specialists in IT security of AlphaInsurance also warned Internet users that to publish or enter personal data on the Internet, including in response to similar electronic messages with fraudulent offers — it is dangerous to information and financial security.

AlphaInsurance prevented work of two counterfeit websites selling E-OSAGO

In 2016-2017 AlphaInsurance faced twice attempts to create phishing sites which issued the calculator according to the CMTPL for the calculator of our company for the purpose of collection of information about payment cards of clients and further fraud with them. The company completely supports the solution of FINTSERT of the Central Bank of Russia and Russian Association of Motor Insurers (RAMI) to trace the websites offering false policies of E-OSAGO.

Since the beginning of 2017 insurance companies are obliged to sell electronic policies of E-OSAGO on the websites. Together with the beginning of sales of electronic policies of compulsory insurance of vehicles there were also fraudulent websites which under the guise of the websites of insurers suggest to pay the policy online for the purpose of embezzlement of citizens.

"Since the beginning of year our company faced twice phishing sites which issued the calculator according to the CMTPL for the calculator of our company, - Alexander Prokopchuk, the director of the department of e-commerce says AlphaInsurance. – AlphaInsurance was succeeded to resolve the matter through a security service. We welcome cooperation of RSA and FINTSERT and we believe that it will help to minimize emergence of fraudulent websites and to secure both car owners, and insurers".

Information exchange between FINTSERT and RSA will help to combat phishing sites by data transmission of RSA in the Bank of Russia. As the having status of the competent organization at administrators of domains of upper and second levels, the regulator will be able to achieve closing of such websites.

2016

Market share of Group — 9.2%

In 2016 the market share of Group made 9.2%, insurance fees - 250.9 billion rubles. Charges without compulsory health insurance increased to 93.4 billion rubles, the market share made 7.9%, the company takes the 4th place among the major Russian insurers in the market (except compulsory health insurance).

4.1 million gadgets and devices of home appliances are insured

For 2016 the company insured 4.1 million gadgets and devices of home appliances. The average price of the policy was 1 thousand rubles.

The product "Protection of Purchase" allows to protect gadgets (mobile phones and smartphones, navigators, e-books, notebooks, tablets) from death, plunder and also covers risks of the mechanical damages connected with reckless acts of both the third parties, and the insurer.

The average rate on a portfolio of agreements fluctuated in 2016 around 7% of cost and depended on the sizes of a covering, the list of risks for each specific gadget or the device. The main part of gadgets was insured during purchase in shop, it is the easiest way of insurance both for the buyer, and for the insurer. In this case additional inspection of goods is not required.

Mechanical breakdown remains the most frequent damage of the equipment still: the device can fall, and its parts - to break. Further theft and damages by water follow. The number of the clients who filed a petition for a loss in 2016 was 44.1 thousand, from them 42 thousand addresses concerned breakdown. During the period from April 1, 2016 to March 31, 2017 AlphaInsurance recorded 44.6 thousand losses from which 42.4 thousand cases belonged to breakdown. Thus, clients for the specified period broke about 116 gadgets daily.

2011: Authorized kapiatat two companies 5.5 billion rub

For 2011 the AlphaInsurance Group answers own means of two companies with the consolidated authorized capital of about 5.5 billion rubles for the obligations. High reliability of insurance transactions is supported with reinsurance programs in the largest companies of the world: The Munich reinsurance society (Munich Re), the Swiss reinsurance society (Swiss Re), the Hanover reinsurance society (Hannover Re), SKOR (SCOR), the Cologne reinsurance society (GenRe), Partner Re and also Lloyd's of London corporation, cooperation with which syndicates is performed through the international brokers Willis Limited, Marsh, AON Benfield and others.

The AlphaInsurance group has accreditation in the largest banks among which: Sberbank of Russia, VTB, VTB 24, Gazprombank, Alfa-Bank, Rosselkhozbank, Raiffeisenbank, Bank of Moscow, MDM Bank, Unicredit, also entered the official listing of the insurers participating in proprietary insurance of clients of these banks.

2008: The highest rating of reliability And ++ RAEX

In December, 2008 the RAEX agency confirmed the highest rating of reliability appropriated to the AlphaInsurance Group in 2003 And ++. Also the Group has the international rating of financial stability of Fitch.

Licenses

  • License of JSC AlphaInsurance: With No. 2239 77 of 12/13/2006:: on the right of carrying out an insurance and reinsurance activity
  • License of AlphaInsurance Life LLC: With No. 3447 77 of 4/3/2006:: on the right of carrying out an insurance activity