CJSC Nadezhda: employee reviews

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Closed Insurance Joint Stock Company (CJSC) "Nadezhda" collects numerous reviews, because under the license of Rosstrakhnadzor it deals with twenty-two types of insurance, in the same list the most popular type is OSAGO. The clientele for this reason is very extensive. Reviews about CJSC "Nadezhda" can be sorted into three approximately equal parts - two from customers, where there are both negative and positive, the third part - feedback from employees. This article will be devoted to their review.

Authorized fund, ratings

Employees of the CJSC "Nadezhda" leave reviews on the Internet, judging by the texts, they are most often mandatory as part of their work. In particular, information about the company is given there, rather little is written about working conditions (except for those who quit), but a lot about the activities and types of insuranceservices. There you can find out, for example, that the authorized capital of the company is 103,000,000 rubles, therefore, reviews of Nadezhda CJSC note that the company is among the 500 largest insurers in Russia. Financially, this insurance company is quite stable, since the volume of insurance reserves is sufficient - 227,000,000 rubles.

Russian rating agencies assigned, judging by the reviews of the insurance company, CJSC "Nadezhda" a first-level rating, quite reliable - "BBB +". This article will consider the geography of the presence of this company in Russia, and it is quite wide. Its development began from a small regional organization with a residence permit in Krasnoyarsk, and after a while it grew into a large national insurer, represented in nine regions of the country. To date, there are eleven branches and almost eighty representative offices. Reviews about the CJSC "Nadezhda" in Krasnoyarsk are mostly favorable.

Krasnoyarsk

Already back in 1994, the feedback from employees of CJSC "Nadezhda" noted the opening of a medical subsidiary, which began work as an insurance medical institution under a state license to provide compulsory medical insurance (CHI). In those days, its activities were limited only to the Krasnoyarsk Territory and the Republic of Khakassia (which, in principle, is already very much - the territories are simply immense). As for compulsory medical insurance, CJSC "Nadezhda" began to receive reviews about the company in a huge amount almost immediately.

And today MSO "Nadezhda" is the leading insurance medical institution in these territories, more than one and a half million people are insured. Naturally, a huge number of incoming reviews about the insurance company CJSC "Nadezhda" - thanks to the activities of the "daughter". Only one product receives more responses. This is OSAGO. Reviews about CJSC "Nadezhda" from employees indicate that, as the only local insurer, the company has more than twenty percent of the clientele in this region.

The path to success

Very quickly, the company conquered insurance markets in increasingly remote areas. But even now it is still difficult to read reviews from Volgograd, Lipetsk and many other cities about the work of Nadezhda CJSC, despite the fact that it is one of the leaders in retail sales of insurance products. In Volgograd, the only office is on Tkachev Street, house 30. We could not find any reviews, apparently, the work of the employees is progressing successfully. But they write quite a lot in the southern regions, and for some reason a huge part of customer reviews are negative.

The company strives to become not just popular, but rather - nationwide. Its services can be obtained far beyond the Krasnoyarsk Territory, the republics of Tuva and Khakassia (although these territories are immense, they occupy almost half of the country's map). Transbaikalia and partially the Far East are already practically covered. However, Lipetsk does not yet confirm the presence of Nadezhda CJSC. Reviews are not written in many other cities of the Europeanparts of Russia.

Powers

CJSC "Nadezhda" has the right to provide insurance services of many types, provided for by Law No. 4015-1 of 1992 of the Russian Federation. This is people's insurance against illnesses and accidents, medical insurance. This is insurance for all land transport (rail - a separate item), as well as air and water. Insurance of various transported goods.

A type of agricultural insurance is widely used - crop, garden, forest, animals. Property insurance of individuals and legal entities is very popular. And of course, insurance for owners of vehicles, rail, air and water transport. Organizations that operate them can also insure their hazardous industries. Entrepreneurial and financial risks and much more are insured.

Programs

Employees of this insurance organization are distinguished by collectivism and solidarity. Corporate field trips, community work days, evenings of joint rest are often held. For customers, this is also a good sign that the company can be trusted. Even the name is well chosen. Hope is a pleasant expectation, almost certainty that the desired will come true. This is a stronghold, a support, a favorable outcome from any difficult situation. In a word, just what an insurance policy guarantees a person.

New insurance programs are constantly being introduced here, and over the course of a quarter of a century of existence, the company has been acquiring more and moregreater importance in the field of insurance. For example, it was here that an insurance program called "Antiklesch" was invented and implemented. It must be said that the topic in Siberia and the Far East, most likely, is not more relevant. This is a zone of special tick activity, and therefore the program is very necessary and useful for people and is very popular.

Corporate culture

And in general, judging by the feedback from employees, life is in full swing in the company: new insurance policies that can already be issued online, event marketing with interesting promotions, all kinds of flash mobs, the opening of new and new offices - all further and further from his native Krasnoyarsk. The corporate culture itself is extremely rich. And no one will be surprised if in the near future they still receive feedback from Nadezhda CJSC in Volgograd and other cities about the opening of new offices and the bright presence of their employees in the public life of the city.

This company loves to participate in charity very much: employees in Krasnoyarsk donate computers to orphanages, buy reanimobiles for a children's hospital, and participate in various social programs. It is pleasant to read such reviews, although there are a number of those that talk about shortcomings.

Milestones

The year of birth of CJSC "Nadezhda" is 1991, it was then in October that the company was presented with a certificate that this joint-stock company was registered by the state. Already in 1993, a medical "daughter" appeared, and therefore the company became an insurance group,serving millions of customers. At the same time, the rating was set sixteenth in the country among fifty-eight companies involved in CHI.

The following year, the active development of new areas began: property and pet insurance, voluntary medical, accident insurance. At the same time, legal entities began to apply to the company. A type of cargo insurance appeared. In 1995, a group of companies is knocked out in prestigious employers. Even before they began to deal with OSAGO here, the agent network developed very quickly - in 1995 their number exceeded one thousand.

Trip to the regions

In 1996, a large-scale building of the company's regional networks began. Now it is one of the most extensive - only in the Krasnoyarsk Territory in 1996, there were about fifty offices, they covered the region right up to the most "bear" corners. In 1997, new licenses were obtained. Now it has become possible to insure the expenses of individual citizens who travel abroad, vehicles, river boats, even construction and installation risks were insured.

In 2003, a license was obtained to deal with OSAGO, and that's when the real success began. In 2007, for the first time, the company entered the rating procedure (NRA - National Rating Agency). The rating turned out to be worthy - "BBB +", but there is still room to raise the bar. Another license was obtained in 2009 for tourism and civil liability insurance.

Intermediateresults

In 2013, the company collected 887,000,000 rubles for insurance premiums, the volume of payments amounted to 419,000,000 rubles. CJSC "Nadezhda" was in fourth place among the region's insurers in terms of the volume of all premiums and in seventh place in Khakassia. Here you need to remember that this is the only insurance company from the local ones. The rest are central. In 2014, more than one and a half billion rubles were already spent on insurance premiums.

According to the ratings, "Nadezhda" is now in 74th place in terms of contributions among all Russian companies, 22nd place was given to OSAGO, 41st - Casco, 84th - insurance against diseases and accidents, 100th place - he alth insurance. In the same year, the first certificates of ownership of databases and insurance products for trademarks are issued.

Pier of Hope

In 2015, the rating changed. "Expert RA" (RAEX agency) has already set the reliability rating of this company at the level of "A+". This is a very high level. At the same time, the sale of new policies was launched online. These are "Reliable rest", "Master", "Antiklesh".

But the most grandiose event of 2015 is the acquisition of a new property in order to realize an old dream: to open an office center with the widest range of all kinds of services for clients. So that everyone can buy a policy here and repair a car. This multifunctional center was opened in 2015. A group of insurance companies, after conferring, called it the "Pier of Hope". This event inspired all employees so much that a lot of additional items appeared in the new development strategy of the company until 2021.

New territories

In 2016, the company began to open territories far beyond Siberia, it stepped into the southern and western regions of the country, having mastered fourteen new cities. Now there are seventy-six in total. Write reviews about CJSC "Nadezhda" Irkutsk and Angarsk, Barnaul and Novosibirsk, Omsk and Rostov-on-Don, Chelyabinsk and Minusinsk … And the products of the insurance company interested about a million customers, including medium and small businesses, farmers, individuals.

Financial reserves "Nadezhda" provides both cash, in which it is helped by the most reliable Russian banks, and real estate. Back in 2015, the company's assets amounted to 2.1 billion rubles, including 718,000,000 rubles of own funds. In 2016, all figures have become higher. "Nadezhda" has got its own magazine - "Mayak Nadezhdy", a colorful, interesting publication, where they write about safety, he alth, and people working in the company. Insurance is a margin of safety that every person needs. This is what every page of the publication tells about.

Negative reviews

Many customers complain that employees do not answer the phones indicated on the site, and therefore force them to spenda huge amount of time for multi-kilometer trips (sometimes more than a hundred kilometers), waiting in long lines. And the issues that customers come with are not solved in one visit. Have to come multiple times. Even from the hospital after operations - several such insurance cases are described, when the client ends up in the hospital after an accident, and insurance issues need to be resolved within a few days. Reviews on payments to CJSC "Nadezhda" for the most part leave much to be desired.

They also write about unreasonable refusals to issue OSAGO, there are many such reviews. Some cases end up in litigation. Reviews were also found, revealing such shortcomings in the work as disorganization and disinterest in retaining the clientele. Apparently, according to OSAGO, "Nadezhda" has too many clients, not enough attention for everyone. Some people write that "Nadezhda" was "jinxed", some accuse it of excessive appetites. By the way, only paid phone numbers of the company are always available. Free ones seem to have died, according to customer reviews from almost all cities of presence.