VSK insurance Mobile application

The main articles are:

• Mobile apps
• IT trends in insurance (cyber insurance and telematics)

2022

Launch of Digital Clinic and integration of Europrotocol Online

On February 13, 2023, VSK Insurance House shared with TAdviser information on IT transformation projects implemented in 2022.

In general, 2022 became a period of active IT transformation for VSK - the company introduced several new technological services at once. So, in July 2022, on the basis of the VSK Insurance mobile application, the Digital Clinic was launched - a solution that allows the client to halve the time from the moment of initial treatment to the start of treatment.

Full medical support is available to users of the service - the ability to make an appointment with a full-time or online appointment with a doctor, get a referral for testing, and consult a medical adviser. To receive advice, it is enough to leave an appeal in a mobile application, and the medical adviser will collect a preliminary history and organize a specialist appointment, select a convenient laboratory for passing tests, and help prepare for diagnostic studies. The next step of the patient will be a remote consultation of a specialist who will form a diagnostic hypothesis, give recommendations for laboratory tests and prepare a recovery plan. It is enough for the patient to indicate preferences for the place, dates and time of the recommended examination, and the medical adviser consistently organizes the necessary studies and further consultations of narrow specialists so that the treatment is as effective as possible. Depending on the condition of the patient, it is also possible to leave the doctor at home.

As of December 29, 2022, 9 thousand medical centers and 2 thousand network laboratories throughout the country have already acted as partners of the VSK digital clinic.

According to the VSK Insurance House, the digital clinic has already received high praise from patients - the CSAT (customer satisfaction index) in the first three months of operation amounted to 4.93 points out of 5, as well as the industry community.

Another significant event was the integration of the Europrotocol online service into the VSK mobile application. Thanks to this, the company provided customers with the possibility of simplified registration of an accident notification in parallel with two mobile devices of drivers. The decision allows both to reduce the settlement period and to increase the amount of insurance compensation by 4 times - up to 400 thousand rubles. In addition, the VSK client can also use an electronic europrotocol instead of a certificate from the traffic police when submitting an application for an insurance event not only under OSAGO, but also a casco.

AppGallery Availability

The Insurance House VSK mobile application has become available in AppGallery, a branded app store from Huawei. About this company VSK reported April 2022.

The total audience of AppGallery has exceeded the figure of 560 million active users. In Russia, the store is used by more than 22 million people.

On the platform, you can also download the VSK application, Insurance where you can issue various insurance programs, conduct an independent inspection car during the CASCO registration process, make an appointment with VHI a doctor on a policy, chat medical with an adviser, remotely resolve an insured event on a casco, and also receive support from a VSK specialist. In the near future telemedicine , an electronic europrotocol will also be available.

The increase in users amounted to over 20% compared to 2021. Customers choose this format of remote and operational dialogue with VSK: more than 60% of insurance cases on casco are settled online. It is strategically important for us to be as accessible as possible to our customers on all technological platforms of smartphones, - said Olga Sorokina, member of the Board of Directors, Deputy General Director for Business Development of the VSK Insurance House.

2021: Mortgage policy sales launch

Life and apartment insurance of borrowers, insurance against the risks of loss of ownership - all this can be issued without getting up from the sofa. Insurance House VSK May 5, 2021 announced the launch of online sale of mortgage policies.

The purchase of insurance protection is available online store in or mobile application in VSK in a few clicks. Sberbank It is enough for mortgage borrowers to introduce data credit about the insured, then the system itself will calculate the profitable cost of the policy. After payment, insurance will come to mail and appear in your personal account. To transfer the policy to, you bank just need to add it to the application. ""DomClick

If a mortgage loan is taken from another bank, when applying for insurance, it is enough to fill in the data and choose the necessary risks. VSK specialists will calculate the cost of the policy and help in its design at a time convenient for the client.

Mortgage is one of the popular financial products used by a large number of citizens of our country. Interest in this product is growing every year. Thus, in 2020, the growth rate of mortgage lending amounted to 22%. At the same time, the average term of a mortgage loan is also growing. On mortgages issued in 2021, it is just over 19 years, and three years ago it was equal to 16 years. This is due to the desire of citizens to reduce the monthly payment. According to the requirements of the law, each mortgage object must be insured throughout the entire loan period. We strive to ensure that the process of concluding an insurance contract and communicating with the insurance company throughout the entire mortgage period is comfortable and convenient. By introducing technologies into our services, we exempt the consumer from the need to come to the office for a policy. Our customers can use the online service of our company at any convenient time to issue or renew a mortgage insurance contract. All issues that arise during the self-registration or during the period of the insurance contract, consultations are available in a round-the-clock contact center. We value the time of our clients and their trust in our company, - said Olga Sorokina, Deputy General Director for Business Development of VSK Olga Sorokina.

2020

The ability to declare an accident on the helmet without a certificate from the traffic police

VSK Group of Companies on December 8, 2020 announced that it had updated its mobile service. The remote insurance office was supplemented with several options at once.

Now in the mobile application "VSK Insurance" you can declare an accident on the helmet without a certificate from the traffic police. In a minor accident, you do not need to wait for traffic inspectors. It is enough to arrange the event online without a certificate, get a direction right in the application and go to the service station without waiting. You can use this function in the application at any convenient time - both immediately at the scene of an accident, and later, without interrupting your plans for the day.

All stages of the online settlement of the casco in the mobile application take place remotely. The driver will not need to come to the office: all documents and photos of the car will be transferred through the application. And further tracking of the status of the settlement will be available directly through the mobile insurance office.

Another innovation was the story - short useful materials. In them, you can find out how to save on insurance, it is profitable to issue a mortgage or find a council for a noisy neighbor.

A scanner that recognizes documents has been updated for car owners. When issuing a helmet, drivers will be able to scan all the data of the main spread of the passport in one touch at once.

In addition, thanks to the introduction of a failure monitoring system, the VSK mobile service has increased stability.

"The functionality of the VSK mobile application has been improved taking into account new trends, customer interests and digitalization opportunities. In 2020, customers received the option of an online settlement on Casco, and now in just 10 minutes instead of two days, as it was before, can issue an accident. We strive to remove paper documents and contact the office so that the client returns to his usual life with a repaired car as soon as possible. The company's experts are trying to simplify the process and quickly eliminate the inconvenience arising from the driver in connection with an accident on the road and subsequent repairs. Developing our relationship with the client, we want to be close not only in an unpleasant situation, but also help him every day. We supplemented our interaction with them with interesting and useful life hacks in insurance - stories. We see, as in other social networks, this type of communications is in demand by the audience, and our client began to return to the application more often. Our online office audience doubled in the 11 months of 2020. Feedback from the client is important for us, and we see on the numbers confirmation of the relevance of all new services, "said Olga Sorokina, Deputy General Director for Business Development of VSK.

Identity Recognition Availability

Recognition of certification documents is now available in the VSK Insurance mobile application. This function allows you to reduce the time for entering data about the insured and drivers when filling out a profile in your personal account and issuing casco policies. VSK announced this on February 21, 2020.

For scanning, you just need to point the camera phone at the document, and all the necessary data will be automatically recognized and entered into the fields of the "BIT" application form. insurance For the convenience of customers identification information , it is saved in your personal profile.

An updated version of the VSK Insurance mobile application RUSSIAN FEDERATION with passport and driver's license data recognition is available smartphones for on platforms and. iOS Android

We do not stop there and continue to improve our remote services. For greater convenience of users, our application has been supplemented with functionality that will significantly facilitate information entry and reduce the time spent by the client for this time, noted Deputy General Director, Head of the Business Development Unit of the Insurance House VSK, Olga Sorokina