Insurance company "Zhaso": reviews. Insurance company "Zhaso" in Lipetsk and Voronezh

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

The economic situation of the country today cannot be called stable. One by one, financial institutions cease their activities. At the same time, insurance companies are booming. People continue to worry about their lives and the safety of property. If we consider the reviews, the insurance company "Zhaso" is the most popular in Voronezh and Lipetsk. Although people in other cities actively use the services of the institution.

Basic information

The institution first began its activities in May 1991 as an organization for insuring own risks. The company began to develop rapidly and in a few years gained popularity among citizens. Until recently, the organization had 90 sales offices and more than 50 branches. However, the economic crisis also affected this company. In 2016, most of the shares were sold to the Sogaz insurance group. Despite this fact, the agreements drawn up earlier continue to operate, but under a different management.

In 2015, reviews of the insurance company "Zhaso" wereonly positive. According to the organization "Expert RA", the institution had an exceptionally high level of reliability. After the assignment of rights, the number of clients decreased significantly. However, with the advent of 2017, people began to return to the insurance group again. To date, the sole owner of the shares is Sogaz. Services continue to be provided in full, but under a different license.

Adult accident and illness insurance

If we consider the reviews about the company "Zhaso", the program called "Standard" used to be the most popular. Any citizen of the Russian Federation who has reached the age of majority could issue it. The contract included the following insurance risks: temporary loss of general ability to work, traumatic injuries, permanent disability, death as a result of an accident. Protection can operate around the clock or at a certain period of time (at the choice of the insured). The annual rate according to the contract is 0.6%.

The contract may also include a package of risks for non-working citizens, pensioners, as well as women on maternity leave. Reviews show that the program is optimal for those who are worried about their own he alth. The company will not be able to protect against an accident. But the financial costs required for rehabilitation will be covered in full.

Protecting a new generation

The following program is also popular, according to reviews. Insurance company "Zhaso"offers to protect the life and he alth of babies, schoolchildren, as well as full-time students. The contract can be concluded for any Russian citizen aged 3 to 22 years. At the same time, students who study at the correspondence department of the university will not be able to become a participant in the program.

The following insurance risks may be included in the contract: traumatic injuries, temporary and permanent disability, death. It does not matter whether the child's condition worsened as a result of an accident or illness. Programs that are issued for a certain period of time are popular. So, often an insurance contract is concluded for the duration of vacations or sporting events. The annual insurance rate, as in the previous case, is 0.6%. The sum insured is determined individually in each case.

The program can also be for a group of children. In this case, the insurance rate will already be 0.98%.

Family policy

Reviews about the insurance company "Zhaso" show that family policies are very popular, allowing you to conclude a contract at the same time for spouses and children. An important condition of the transaction is the cohabitation of relatives. At the same time, grandparents can also take part in the policy. All the same insurance risks are taken into account: traumatic injuries, temporary and permanent disability of family members, death of the insured person as a result of a prolonged illness or accident.

The deal could be done for a year. The protection time is provided around the clock. Unlike other programs, a family policy can only set the same sum insured for each insured person. The tariff under the contract will be 0.35% per year. Reviews show that depending on the type of activity of individual participants in the transaction, additional coefficients may be applied. So, if adults are engaged in dangerous activities, the rate can be doubled.

Travel insurance

Interesting programs were offered by the insurance company "Zhaso" in Saratov. Reviews show that the Traveler service used to be the most popular here. The deal can be concluded by persons who are planning a trip to recreation centers and sanatoriums located within the Russian Federation. At the same time, the rest should not involve extreme sports. The age of the insured person can be from 3 to 75 years. The client has the opportunity to independently set the amount for which the transaction will be concluded, but it must be more than 500 thousand rubles.

The Traveler Program cannot be active for more than 31 days. At the same time, tariffs directly depend on the timing. The maximum rate is 0.2% of the insured amount. You will have to pay more if the deal is for a group of people.

Extreme

This program is designed specifically for fans of extreme recreation, as well as for those who prefer to spend holidays in extreme conditions. Alsothe deal can be concluded by participants in mass sporting events (competitions, races). What does the insurance company "Zhaso" offer in Voronezh? Reviews show that here the Extreme program could previously be issued by any adult citizens of the Russian Federation. Any person aged from 3 to 75 could act as the insured person. Today, such a deal can also be concluded. However, you will have to contact the Sogaz representative office.

Deal can be concluded for a maximum of 31 days. In fact, the conditions are the same as in the case of the Traveler program. But the risks are higher, and therefore the tariffs are different. The client will need to pay 0.4% of the sum insured, which is determined individually in a particular case (no more than 500 thousand rubles). As in the previous case, higher rates will be subject to a transaction for a group of persons.

CASCO

What does the insurance company "Zhaso" offer in Volgograd? Reviews show that here, as in other branches, CASCO transactions were popular. This is a voluntary type of vehicle insurance against theft and damage. Under the terms of the contract, insurance risks could include: robbery, robbery, theft, theft of property from a car. The damage that may be caused to the vehicle during a traffic accident, fire, collision with animals and birds, illegal actions of third parties is also taken into account.

The insurance rate is individual for each vehicle owner. Does it matter if it's installedanti-theft system, whether the car has been serviced. The age of the car, its condition at the time of the transaction is taken into account. If the car is stored in the garage at night, the insurance rate will be significantly lower.

To draw up a contract, the car owner must provide a technical passport for the vehicle, as well as identity documents.

OSAGO

A lot of interesting products were previously offered by the insurance company Zhaso. CASCO reviews show that many car owners tend to pay money for confidence in the integrity and safety of the car. The insurance company also offered favorable conditions under the OSAGO program. This is a mandatory liability policy for car owners. According to the deal, in the event of a traffic accident, the driver pays for the damage caused to the victim.

This type of insurance is mandatory today. If a traffic cop stops the driver and notices the absence of a policy, he immediately issues a fine. The insurance contract under the OSAGO program can be concluded for a year, then it should be extended. Reviews show that today it is no longer possible to conclude a deal with the Zhaso company. All rights are transferred to Sogaz. Previously issued policies continue to be valid.

Property insurance

Recently, Zhaso (an insurance company in Lipetsk) actively promoted property insurance programs. Reviews showed that the most popular transactions were related to mortgages. The client had the opportunity to form a financialprotection in the event of death or disability. In the event of an accident, the insurance company assumes responsibility for paying mortgage premiums.

The insurance programs for houses and apartments in Zhaso were also popular. The insurance company in Krasnodar, reviews of which are mostly positive, concluded the largest number of such contracts.

The following risks were taken into account: flood, explosion, fire, illegal actions of third parties, accidents during repair and construction work. In the event of an insured event, the company undertakes to fully compensate for the damage. Today it is no longer possible to conclude deals of this kind with Zhaso. However, all agreements signed earlier are valid in full. The insurance group "Sogaz" assumed the obligation to pay.

Compulsory he alth insurance

Reviews about the insurance company "Zhaso" show that previously almost all citizens of the Russian Federation could purchase a compulsory medical insurance policy here. Branches worked in many cities of the capital, both in metropolitan areas and in the provinces. The state system for the protection of citizens makes it possible to receive qualified medical care in a variety of cases. At the same time, age, gender, social status and place of residence do not matter at all.

Zhaso (an insurance company) sold the largest number of compulsory medical insurance policies in Krasnodar. The reviews showed that in this region the company usedhuge popularity. Today, residents of Krasnodar are actively cooperating with Sogaz representative offices.

Transfer of Ownership Reviews

Insurance company "Zhaso" in 2016 ceased operations. In this regard, customers who have been served here before have a number of questions. Reviews show that the terms of the previously concluded contracts have not changed. The only thing you should pay attention to is the details for which insurance premiums must be paid.

How to be in the event of an insured event? Reviews show that there should be no problems here. The incident must be reported to Sogaz at the hotline number indicated on the organization's website. To receive payment, you must prepare identification documents, as well as medical proof of what happened.