Sberbank Life Insurance SberLife Insurance
Since 2012
Russia
Central Federal District of the Russian Federation
Moscow
121170, st. Poklonnaya, d. 3, building 1
Owners:
Sberbank Insurance (SberStrakhovanie) - 100%
Owners
History and Performance Indicators
2023
Fee growth by 71.8% to 287.7 billion rubles
The volume of insurance business Sberbank in 2023 increased by 63% compared to 2022. Such data Ruslan Westerovsky were announced by the senior vice president, head of the Wealth Management unit of Sberbank in mid-February 2024. More. In here 2023, fees "SberLife Insurance" increased by 71.8% (to 287.7 billion). rubles More. here
Payment to residents of the capital region 3.8 billion rubles for insurance claims
In 2023, SberLife Insurance made 13.4 thousand payments for insurance claims to customers from Moscow and the Moscow Region for a total of 3.812 billion rubles. Compared to 2022, the number of payments increased by 13.5%, and the volume - by 10.4%. The company announced this on January 18, 2024.
In particular, the insurance company for the year settled the insurance events of Moscow residents in the amount of 2.395 billion rubles (6.6 thousand payments), the Moscow region - 1.417 billion rubles (6.8 thousand payments).
The largest payment for the year - 71 million rubles - was made under the funded life insurance program. Also, 48 million rubles were paid under the mortgage life insurance program of a borrower from Moscow.
{{quote 'author = said Vyacheslav Tsybulnikov, Vice President of Sberbank - Chairman of Moscow Bank. | SberLife Insurance fulfills its obligations and pays money in the event of adverse events, helping customers and their families to maintain their usual lifestyle in difficult situations. This gives confidence in the future. Mortgage and savings life insurance contracts are easy to issue in Sberbank branches and the SberBank Online mobile application. You can also declare an insured event and submit documents to SberBank Online,}}
The largest amount of payments fell on life insurance of consumer loan borrowers and credit card holders, mortgage and funded life insurance. The most common reasons for payments are cardiovascular diseases, diseases of the digestive and respiratory systems.
In addition, the company pays customers money on the risk of "survival" - when the ILI and NSJ contracts are completed. Such payments in 2023 exceeded 100 billion rubles.
2022: Settlement of insurance claims of Muscovites for 3.5 billion rubles
In 2022 SberInsurance , life produced clients out of Moscow Moscow region and 11.8 thousand payments for insurance claims totaling 3.5 billion. Compared to rubles 2021, the number of payments increased by 57%, and the volume - by 33%. This was Sberbank Moscow Bank announced on January 12, 2023.
In particular, the insurance company for the year settled the insurance events of customers from Moscow in the amount of 2.141 billion rubles (6.1 thousand payments), and from the Moscow region - 1.212 billion rubles (5.6 thousand payments).
The largest payment for the year - 41.9 million rubles - was made under the program of funded life insurance (NSJ). The two largest insurance payments were received by Muscovites for NSJ in the amount of 32 million and 29.3 million rubles, respectively.
The largest amount of funds paid fell on life insurance of consumer loan borrowers and credit card holders, mortgage and funded life insurance. Most insurance claims in the Moscow region were settled in April, October and December.
Among the most frequent events for which payments were made: especially life-threatening diagnoses, temporary disability and disability.
 | SberLife Insurance pays money in the event of adverse events, helping customers and their families to maintain their usual lifestyle. Agreements of risk and accumulative life insurance from SberLife Insurance can be issued in the branches of Sber and the mobile application SberBank Online. You can declare an insured event and submit documents to SberBank Online in the "Insurance" section, in any branch of the bank or by calling 900, said Vyacheslav Tsybulnikov, Vice President of Sberbank - Chairman of the Moscow Bank.
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2020
The volume of the collected insurance premium is 107 billion rubles
The volume of the collected insurance premium for 2020 amounted to 107 billion rubles (according to OSBU). The company's assets as of December 31, 2020 - 551.9 billion rubles, insurance reserves - 484.4 billion rubles. Leader of the Russian life insurance market. The rating class on the RAEX scale ("Expert RA") is ruAAA.
Connection to the electronic service of the registry office
SK "Sberbank insurance Life" December 29, 2020 announced the connection to the unified to state register of civil status records (registry office). Interaction with the registry office will allow in 2021 to automatically make insurance payments on a number of grounds without a client visit to the company's office.
Dmitry Gorshkov, Executive Director of Sberbank Life Insurance:
| | Connecting to the unified state registry office of the registry office is the first step towards the transition to a full-fledged remote settlement of life insurance losses. Integration of the company with the registry office system will remove the need for customers to independently collect a number of documents for making payments - we will be able to receive the necessary information on our own. In the future, we also look forward to cooperation with medical institutions in order to make payments automatically on any grounds. Due to lengthy procedures for collecting documents, the payment process takes dozens of days, interaction with the registry office and in the future with medical institutions will reduce this period to 2-3 days. | |
The right to connect to the system of interdepartmental electronic interaction (SMEV) and request information from the registry office appeared from insurers after amendments to the law on acts of civil status. According to the latest version of the law, after inclusion in the SMEV, insurance companies can electronically request information about insured persons and beneficiaries under insurance contracts concluded in the insurance organization that requests this data.
Appointment of Igor Kobzar to the post of General Director of Sberbank Life Insurance
On October 2, 2020, Sberbank announced the appointment of Igor Kobzar as General Director of Sberbank Life Insurance. It is noted that the appointment entered into force after agreement with the Central Bank of the Russian Federation. Read more here.
Possibility of making NSJ contributions through Sberbank Online
On April 23, 2020, Sberbank's subsidiary insurance company Sberbank Life Insurance announced the provision of customers with the opportunity to pay regular premiums under accumulative life insurance (NSZ) agreements in the Sberbank Online mobile application. Read more here.
Appointment of Vladislav Nabokov as Technology Director
On January 27, 2020, Life IC Sberbank insurance announced TAdviser its appointment as Vladislav Nabokov the company's technology director. In this capacity, he is responsible for the development of IT systems. More. here
Availability of information on risk insurance contracts at Sberbank Online
On January 15, 2020, Sberbank Life Insurance announced that the Insurance section appeared on the main page in the Sberbank Online mobile application. Now the bank's customers have access to detailed information about all existing risk insurance contracts issued by Sberbank Insurance and Sberbank Life Insurance subsidiary insurance companies. Read more here.
2019
Increase in the number of payments of consumer and mortgage loans by 50%
In 2019, SK "Sberbank insurance life" partially or fully paid off about 59,800 consumer mortgage credits and its insured. The company announced this on January 21, 2020. The total amount of insurance payments for credit life insurance for this period amounted to 5.9 billion. rubles Compared to 2018, the number of payments increased by 50%, the amount of payments - by 44%. The increase in payments is associated with an increase in the client bases credit insurance company.
The main share of payments traditionally falls on consumer lending. In 2019, Sberbank Life Insurance paid almost 4.5 billion rubles in life insurance for consumer loan borrowers, repaying fully or partially more than 58 thousand consumer loans (including credit cards).
In 2019, the company also repaid more than 1,100 mortgage loans of its insured for a total amount of about 1.4 billion rubles.
The company made about 4,500 payments as regular loan contributions due to the loss of work by borrowers, more than 9,000 payments due to temporary disability of customers.
The company made the most payments on loans to borrowers from the Perm Territory - more than 2,200 cases. In second place is the Krasnodar Territory - more than 2,000 payments. In third place is the Rostov region, where the number of payments exceeded 1,900.
The company's total payments in 2019 amounted to 37.2 billion rubles. In addition to payments on insured events, they also include payments on the risk of "survival" under the completed investment and funded life insurance agreements.
The decision to conclude a life insurance contract when applying for a mortgage or consumer loan is made by the client on his own. The life insurance policy is a protective mechanism: if the borrower is unable to make regular payments on the loan, for example, in case of loss of work or long-term disability, the insurance company will do this for him. In difficult life situations, the insurance company will fully repay the client's loan debt.
The possibility of issuing and renewing mortgage insurance in the Sberbank Online mobile application
November 8, 2019 Sberbank announced the availability of registration and extension of contracts of mortgage insurance the companies "" and Sberbank insurance"Sberbank Life Insurance mobile application " in "." Sberbank Online More. here
New Technology Director - Sergei Popov
On June 28, 2019, Sergei Popov was appointed Technology Director of Sberbank Life Insurance. He moved to this place of work from the company "Utkonos." Read more here.
Telemedicine availability to 4 million customers
On April 22, 2019, the UK "Sberbank insurance life" reported that telemedicine Russia women aged 25-40 most often turn to services. Most of the appeals come from the Central, Volga and Siberian federal districts, and of the highly specialized doctors, gastroenterologists, dermatovenerologists, neurologists and gynecologists are most in demand. More. here
The telemedicine service was included in Sberbank Life Insurance insurance products in 2018.
2018: Volume of assets - 359.5 billion rubles
The company's assets as of December 31, 2018 - 359.5 billion rubles, insurance reserves - 315.8 billion rubles. The leader of the Russian life insurance market (the share of the life insurance market is 39% as of December 31, 2018). The rating class on the Expert RA scale is ruAAA.
2017: Entering the top 2 general insurance markets
In 2017, the company entered the top 2 general insurance markets for the first time, providing fees of 102.08 billion rubles, which means a market share of about 8%. In 2018, the number of Sberbank Life Insurance clients exceeded 10 million people.
2014: Renamed as Sberbank Life Insurance
In July 2014, the company was renamed Sberbank SK Life Insurance LLC and announced the start of sales of voluntary life insurance for borrowers.
2012: Acquisition of a life insurance company by Sberbank
insurance Life development is one of the activities in Sberbank which the bank acquired a life insurance company in early 2012. In September 2012, the company was renamed Sberbank SK Insurance LLC. November 12, 2012 the start of sales of products of accumulative and investment life insurance took place.
Notes
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