Insurance 2024, December
CMTPL payments in case of an accident. Amount and terms of payments
Last modified: 2023-12-17 10:12
Quickly getting paid as a result of an accident is a burning desire of a car owner. But not all insurers pay damages. Sometimes you have to go to court. For more information about what insurance payments can be for OSAGO in case of an accident, read on
The individual pension coefficient is Calculation of the insurance part of the pension using the new formula
Last modified: 2024-01-17 18:01
Since 2015, the pension is calculated according to the new formula for persons with 30 or more points. This condition affects the rights of people who have little experience. Read more about the new formula below
JSC "NPF Elektroenergetiki": customer reviews
Last modified: 2023-12-17 10:12
Finding a good non-state pension fund is not as easy as it seems. There is NPF Electric Power Industry. What do customers in Russia think about him? What are the pros and cons of the fund?
Insurance number of an individual personal account (SNILS): where to change, what documents are needed
Last modified: 2023-12-17 10:12
SNILS is a document that plays an important role in the life of every person. But how to get it? When do you need to change SNILS? What does that require? Read about all the features and nuances of these processes in this article
Consumer mutual insurance society for developers: description, advantage and reviews
Last modified: 2023-12-17 10:12
The Developers Mutual Insurance Society is a non-profit organization that insures homogeneous objects. Moreover, all participants are both insurers and policyholders
He alth insurance: essence, purpose and types of he alth insurance in the Russian Federation
Last modified: 2023-12-17 10:12
The demographic situation, changing government priorities in the field of budget expenditures have led to an increase in the role of private sources of he alth financing. In all countries where medical insurance is intensively developing, individual products to protect the life and he alth of customers appear. Russia is no exception. Consider the main types of he alth insurance in the Russian Federation
Pension in "Rosgosstrakh" is a profitable investment, secured old age
Last modified: 2023-12-17 10:12
The new pension model has been operating in our country since 2002. Its basic principle is insurance. That is, the amount of pension payments depends not only on the contributions accumulated on the account of the future pensioner, but also on how the state or non-state pension fund (NPF) will manage the funded part of the pension. What distinguishes NPF Rosgosstrakh from the rest?
OSAGO: the culprit of the accident fled the scene. Rules for registration of an accident for OSAGO
Last modified: 2023-12-17 10:12
In the Russian Federation every day there are a large number of accidents on the road. And not every culprit acts in good faith. Some people may leave the scene of an accident even if there are still injured people there. Therefore, most owners are wondering: “The culprit of the accident fled the scene, will there be a payment under OSAGO?”
What determines the cost of OSAGO for a car?
Last modified: 2023-12-17 10:12
OSAGO is a compulsory type of insurance. If the driver drives a motor vehicle without an insurance agreement, then an administrative fine in the amount of five hundred rubles will follow. To prevent this from happening, you need to take an insurance policy from licensed companies. Many drivers think about what the cost of OSAGO depends on. To determine the price of the agreement, you need to know the calculation formula
Which insurance company to contact in case of an accident: where to apply for compensation, compensation for losses, when to contact the insurance company responsible for the accid
Last modified: 2023-12-17 10:12
According to the law, all owners of motor vehicles can drive a car only after purchasing an OSAGO policy. The insurance document will help to receive payment to the victim due to a traffic accident. But most drivers do not know where to apply in case of an accident, which insurance company
Recourse under OSAGO: definition, article 14. The right of the insurer's recourse claim against the person who caused the harm, the deadlines for execution and legal advice
Last modified: 2023-12-17 10:12
MTPL recourse helps insurance companies recover the money that was paid to the injured party due to a traffic accident. Such a lawsuit can be filed against the culprit if the conditions of the law have been violated. Moreover, the payment to the injured party must be made on the basis of expert assessment, as well as the accident report, which was drawn up at the scene
Credit insurance at Sberbank: conditions, procedure and terms of registration
Last modified: 2023-12-17 10:12
Today, many people take loans and become borrowers. They want to choose the most reliable and largest bank in the country. Together with the service, employees are required to purchase credit insurance at Sberbank
How to check the OSAGO insurance policy for authenticity? Unified OSAGO database
Last modified: 2023-12-17 10:12
Before you start driving a motor vehicle, the driver must purchase an OSAGO insurance policy. Since 2016, insurers have launched the sale of insurance contracts through official websites. This feature allows customers not to waste time in the office and purchase the service without leaving home. But in this regard, there was a problem of fraud. Therefore, it is important for each owner to know how to check the OSAGO insurance policy
Casco payments in case of an accident: registration, terms, driver actions
Last modified: 2023-12-17 10:12
Saturation of traffic makes motor vehicle owners think about protection. To do this, they turn to insurance companies for help. Insurers can make hull insurance payments in case of an accident, thus the insurer will be able to protect himself from unplanned costs
Object of taxation of insurance premiums: concept, definition, characteristics, calculation procedure and liability for late payments
Last modified: 2023-12-17 10:12
Payments due to citizens, based on labor relations and civil law contracts, must be subject to insurance premiums. Such payments will be made to off-budget funds only on the condition that citizens are not individual (private) entrepreneurs
Insurance products are The concept, process of creating and selling insurance products
Last modified: 2023-12-17 10:12
Insurance products are actions in the system of protecting various kinds of interests of individuals and legal entities for whom there is a threat, but it does not always happen. Evidence of the purchase of any insurance product is an insurance policy
Checking the OSAGO policy on the base
Last modified: 2023-12-17 10:12
The OSAGO policy database was created to reduce the number of fake insurance documents. In the Russian Federation, motor vehicle owners are required to insure the car under OSAGO insurance. But not all insurance companies are bona fide insurers. There are also scammers
OSAGO calculation formula: calculation method, coefficient, conditions, tips and recommendations
Last modified: 2024-01-17 18:01
With the help of the OSAGO calculation formula, you can independently calculate the cost of an insurance contract. The state establishes uniform basic tariffs and coefficients that are applied in insurance. Also, regardless of which insurance company the owner of the vehicle chooses, the cost of the document should not change, since the rates should be the same everywhere
What is OSAGO: how the system works and what it insures against, what is included, what is needed for
Last modified: 2023-12-17 10:12
How does OSAGO work and what is meant by the abbreviation? OSAGO is a compulsory motor third party liability insurance of the insurer. By purchasing an OSAGO policy, a citizen becomes a client of the insurance company he applied to
Subrogation in insurance - what is it? Principle, procedure and collection of subrogation
Last modified: 2023-12-17 10:12
Subrogation in insurance is an important part of this business, the continuous and high-quality work of which allows you to reduce the time for the return of paid funds. Ultimately, it is thanks to her that the insurance company has the opportunity to significantly increase the efficiency of its activities
Legal risks: basic concepts, types, categories, insurance
Last modified: 2023-12-17 10:12
What are the risks for a legal entity? The origin of the term "legal risk". Legislative regulation, definition of the concept. Internal and external legal risks. General measures to minimize them. Fight against legal risks, internal and external, technical measures to eliminate them
"VTB Medical Insurance": features of insurance
Last modified: 2023-12-17 10:12
The insurance industry is now in great demand, so many companies are actively developing in this area. VTB Medical Insurance offers additional insurance that will allow you to use a wide range of services with the onset of insured events
How to get paid under OSAGO
Last modified: 2023-12-17 10:12
You need to understand that in order to quickly and surely receive OSAGO payments from an insurance company, you need to start acting immediately after the accident. First of all, you need to correctly draw up an accident, correctly write an application, collect all the certificates and successfully pass the examination. The more serious the accident, the longer all these procedures will take. Any error in the execution of documents may be a reason for refusing compensation
An insured event is an event that has occurred, provided for in the contract
Last modified: 2023-12-17 10:12
In our country, there are many insurance companies that provide their services. An insured event is an event that has occurred within the framework of a concluded contract, which guarantees payment to the insured
CJSC Nadezhda: employee reviews
Last modified: 2023-12-17 10:12
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 this 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 negative ones, there are also positive ones, the third part is employee reviews. This article will be devoted to their review
Insurance in Finland: features, design and requirements
Last modified: 2023-12-17 10:12
Everyone who wants to spend a weekend or vacation in Finland must first take care of obtaining a visa and a medical policy. To obtain the first document, you must contact the Finnish consulate. But insurance in Finland is a purely individual matter. Where to apply for this document is your personal business. Many insurance companies offer insurance in Finland. But to make the right choice, you need to understand all the subtleties of the procedure
Insurance of deposits of individuals. Deposit insurance law
Last modified: 2023-12-17 10:12
Deposit insurance in the Russian Federation is a special mechanism for protecting citizens' funds. The main idea of the system is to ensure a quick payment from an independent source of finance (for example, a special fund) in case of termination of the activity of the organization in which the savings were located
How to check the driver's KBM on the PCA database: solutions
Last modified: 2023-12-17 10:12
Many motorists are concerned about the question of whether it is possible to independently determine the value of KBM. Answer: yes. How to do this, you can find out more
Mortgage apartment insurance: conditions, documents
Last modified: 2023-12-17 10:12
Before you take out insurance, you need to understand what mortgage apartment insurance generally provides. According to the current legislation, when applying for a mortgage, only collateral property, i.e. a house or an apartment, can be insured
Insured persons - who is this? general characteristics
Last modified: 2023-12-17 10:12
The insured person of the PFR is a subject that is subject to compulsory pension insurance. man can now program his future. He has the right to choose the option of forming his pension - with or without a funded part
Business risk insurance
Last modified: 2023-12-17 10:12
Recently, more and more businessmen are realizing how important it is to insure business risks. This procedure involves compensation for damage under the condition of an insured event. In fact, this is a comprehensive insurance against various kinds of losses
Annuity is the payments we face everywhere
Last modified: 2024-01-02 13:01
Today, many are familiar with annuity payments due to the widespread use of this method of repaying credit obligations. However, annuity is not only a banking term. It is found in various fields - from insurance to pensions - in which it is used to denote regular payments / payments
Casko insurance, what is it?
Last modified: 2023-12-17 10:12
Currently, when buying a car in a car dealership, you can hear an offer to issue Casco. What it is? Auto Casco means vehicle insurance against the risks of "Theft" and "Theft"
OSAGO coefficients. OSAGO territory coefficient. OSAGO coefficient by regions
Last modified: 2024-01-17 18:01
From April 1, 2015, regional coefficients for autocitizenship were introduced in Russia, and two weeks later, the base ones were changed. Tariffs increased by 40%. How much will drivers now have to pay for an OSAGO policy?
Entrepreneur insurance premiums: the main thing you need to know
Last modified: 2023-12-17 10:12
Are you self-employed? Have you been in this field of activity for a long time? And so you don’t know some of the basics of doing IP? Want to know what business insurance premiums you will have to pay? Then do not rush to close this page, because here you will find a lot of useful information on these issues
Insurance portfolio - what is it? Insurance portfolio structure
Last modified: 2023-12-17 10:12
One of the indicators that characterize the financial reliability of the company is the insurance portfolio. This is a set of concluded contracts for certain amounts. In fact, it is a reflection of the company's obligations to customers
Actuarial calculations - a reliable way to determine the required reserve?
Last modified: 2023-12-17 10:12
The cost of insuring the item in question is determined through a process such as actuarial calculations. It is with the help of them that the cost of the services of the insurance company is calculated, as well as the amount of contributions that the insured will have to pay
AlfaStrakhovanie - reviews and history
Last modified: 2023-12-17 10:12
AlfaStrakhovanie has long been a leader in life, business and real estate insurance. She is trusted by global brands and the richest people, in addition, the level of service has been repeatedly awarded
What is recourse in insurance?
Last modified: 2023-12-17 10:12
With the increase in the volume of payments of compensation in cases of CASCO and not only insurance companies are increasingly using recourse in insurance. This is a great way to compensate for the paid funds, and in some cases to discipline the insured person
Insurance for a visa: what is needed, where and how to get it
Last modified: 2023-12-17 10:12
Absolutely all countries that have signed the Schengen Agreements and other states require a special medical policy (insurance) for issuing an entry document
Actuaries - who are they? actuaries in insurance
Last modified: 2023-12-17 10:12
What do you think, who calculates insurance rates, risks, investment prospects? This is done by actuaries, who are highly qualified specialists. To train such an employee is quite an expensive pleasure. In Russia, this is very problematic
Casco: what is it? Insurance options, details
Last modified: 2023-12-17 10:12
Casco: what is it, what insurance programs exist today? It is really possible to save on insurance, but it must be done correctly so as not to end up in a difficult situation
Reviews about the insurance company "VSK". Rating of the insurance company "VSK"
Last modified: 2023-12-17 10:12
VSK does not occupy the last positions in the rating of insurers, however, disputes over the advisability of contacting one of its representative offices do not subside
He alth insurance in Russia and its features. Development of he alth insurance in Russia
Last modified: 2023-12-17 10:12
He alth insurance is a form of protection for the population, which consists in guaranteeing payment for the care of doctors at the expense of accumulated funds. It guarantees the citizen the provision of a certain amount of services free of charge in the event of a he alth disorder. Next, let's talk about what constitutes he alth insurance in Russia. We will try to consider its features in as much detail as possible
Insurance for travel abroad. What insurance to choose for a trip abroad
Last modified: 2023-12-17 10:12
Some countries, such as European countries, Japan and Australia, will simply refuse you entry if you do not have travel insurance for traveling abroad
VHI for children and its benefits
Last modified: 2023-12-17 10:12
Voluntary insurance is made exclusively at the request of a person, covers a wider range of services than mandatory. VHI insurance is especially important for children. After all, every parent is obliged to protect their child from any possible troubles, including he alth. In this article, we will analyze exactly what advantages VHI has for children's insurance and how such a policy can be issued
Punishment for lack of OSAGO: the amount of the fine, legal norms
Last modified: 2023-12-17 10:12
In accordance with clause 2.1.1 of the Rules of the Road, at the time of driving a vehicle, the driver must have a compulsory insurance policy. When a driver does not have an OSAGO policy, this is a violation almost as serious as driving a car without a license. The article contains information about what fines / pen alties for driving without insurance in 2018 are applied under the new rules to the driver who does not have a policy
RGS: reviews. Insurance company "Rosgosstrakh": rating, addresses
Last modified: 2023-12-17 10:12
Many modern people are thinking about life and property insurance and at the same time, of course, turn their attention to the services of Rosgosstrakh. Reviews about this SC are the first source of information
Non-state pension fund VTB: rating, profitability, reviews
Last modified: 2023-12-17 10:12
Today, VTB's non-state pension fund will be brought to your attention. What is this company? Is it worth contacting it under certain circumstances?
Insurance for people traveling abroad: documents for registration and reviews of insurance companies
Last modified: 2023-12-17 10:12
Insurance for people traveling abroad - is it necessary, to whom and in what situations? How best to choose an insurance company, and what pitfalls should a traveler be aware of?
Non-state pension fund of the electric power industry (non-profit organization): reviews
Last modified: 2023-12-17 10:12
This article will tell you everything about OJSC "NPF Electric Power Industry". Are customers satisfied with the service? What does this company offer? What is the position in the ranking?
"MSK" (insurance company): OSAGO, CASCO, branches, offices, official website, addresses, phone numbers and reviews about the company
Last modified: 2023-12-17 10:12
Insurance is a special type of financial relationship for the purpose of creating and using funds that serve to compensate for damage in the event of various kinds of dangers and are paid to individuals or legal entities
Sogaz insurance company. OSAGO: conditions, rules, reviews
Last modified: 2023-12-17 10:12
The article tells about the insurance company "Sogaz". The conditions for obtaining a policy and other nuances of paperwork were considered
Rating of insurance companies for OSAGO: the main criteria for evaluating payments
Last modified: 2024-01-17 18:01
Before insuring a car, many drivers prefer to verify the reputation of the insurer, and this is understandable, because no one wants to deal with scammers. That's what insurance companies are for. At the same time, the creators of the ratings are guided not only by the financial performance of companies, but also by customer reviews
Insurance companies of Yaroslavl: description, addresses, reviews
Last modified: 2023-12-17 10:12
Yaroslavl is the third largest city in Central Russia and the administrative center of the Yaroslavl region. The city is considered a major transport hub: roads and railways scatter from it in the direction of Vologda, Kostroma, Moscow, Kirov and Ivanov. There is an airport and a river station in Yaroslavl. This is probably why all major insurance companies in the country have opened their representative offices in Yaroslavl. We present a list of the most popular SC in the city with addresses and short summaries
Compensation payments "Rosgosstrakh". Compensation center "Rosgosstrakh"
Last modified: 2023-12-17 10:12
Payments under insurance contracts concluded before 1992, the state contributed to the internal debt to the population. AOA Rosgosstrakh is responsible for collecting and processing documents for receiving compensation payments. He was appointed successor of the State Insurance of the USSR. The processing of incoming requests is entrusted to a specially created division - the Settlement Center for Compensation Payments (RTsKV), located in Ryazan. How does he work? You will learn about this from the article
What does OSAGO cover in case of an accident? OSAGO conditions
Last modified: 2023-12-17 10:12
Not everyone knows what to do in order to receive compensation under OSAGO, which is covered by the payment. Because of this, conflicts and disputes often arise between car owners and insurers. In fact, the process is quite simple. In 2018, an obligatory step in the procedure for receiving a CMTPL payment in case of an accident is to notify the insurance company of the fact of the accident within the established time limits
CMI policy for a newborn: where to get and how to apply
Last modified: 2023-12-17 10:12
When a baby is born, he immediately comes under the close attention of doctors. For this to continue in the future, parents are obliged to insure their child as soon as possible. And this is not a whim, but a requirement of the law of the Russian Federation. Every person living on the territory of the Russian Federation must receive medical care. And for free. For this, there is a mandatory medical insurance. Making a CHI policy for a newborn is a simple matter, and you won’t have to spend a lot of time
CTP pen alty: how to calculate?
Last modified: 2023-12-17 10:12
Since 2014, changes have been made to the legislation. Now insurance companies that violate the terms of payment of compensation are obliged to pay a pen alty for OSAGO. Its size depends on the amount of payments and the timing of the delay. For more information on when it is applied and how the pen alty for OSAGO is calculated, read on
How much is a human life worth? Life insurance
Last modified: 2023-12-17 10:12
How much is a human life worth? It is up to insurance agents who sell insurance programs, as well as experts who calculate the amount of compensation to relatives of accident victims, to assess the cost of a client’s life in daily work activities
Insurance company "YuzhUralZhaso": feedback from customers and employees
Last modified: 2023-12-17 10:12
Every day, in contact with the world, we endanger not only our property, but also our lives. Every day there are tens of thousands of accidents, fires, injuries and other events that cause us a lot of trouble. Of course, you cannot completely protect yourself from these troubles, but it is quite possible to get rid of the financial problems associated with them. For this, there are insurance companies that offer their customers a wide range of services covering almost the entire spectrum of human activities
Do you know: who is the surveyor?
Last modified: 2023-12-17 10:12
In modern practice, Russian entrepreneurs are increasingly using surveyor services. However, many of our businessmen have the remotest idea of what exactly the people who provide them do. Let's explore this issue in more detail
Life insurance: definition, concept, insured event and determination of the amount of payment
Last modified: 2023-12-17 10:12
Among the numerous insurance products that are currently offered to the population, special attention is paid to life insurance programs. Persons in middle and old age very often hear about such services, but so far not everyone understands the essence of such a technique. Next, consider the issue of life insurance and all its subtleties
The insurance and funded part of the pension are the main components of state security
Last modified: 2023-12-17 10:12
This article describes what the insurance and funded part of the pension is. The material discusses the differences between insurance and funded pensions
What is a CASCO franchise? Franchise at CASCO: reviews, conditions
Last modified: 2023-12-17 10:12
Every motorist at least once in his life faced with the need to buy a policy for a vehicle (TC). But it is one thing to draw up OSAGO, that is, to insure damage caused to the property and he alth of third parties. Such policies are most often purchased for the period of technical inspection and do not delve into the nuances of the contract. And it’s completely different - to acquire CASCO
CASCO with a franchise - what is it? How does a franchise work in CASCO?
Last modified: 2023-12-17 10:12
Before insuring a car, it is worth familiarizing yourself with the basic terms that are used in this procedure, in particular “franchise”. Insurance agents will definitely tell you about all the benefits of purchasing a policy. But it is not a fact that they will explain the nuances of using CASCO with a franchise. What is it and on what conditions this service is issued, read more in this article
What is hedging in simple terms? Hedging example. Currency hedging
Last modified: 2023-12-17 10:12
In modern economic terminology, you can find many beautiful, but incomprehensible words. For example, hedging. What's this? In simple words, not everyone can answer this question
"RESO-Garantia": company reviews
Last modified: 2023-12-17 10:12
RESO-Garantia is a reliable insurance company that has been operating on the market for over 20 years. Everyone has the opportunity to issue compulsory and voluntary insurance policies at a minimum cost. Positive feedback about the work of the company speaks for itself
Mite insurance. Features of this procedure
Last modified: 2023-12-17 10:12
With the onset of warm days, a huge number of people go out of town to do their summer jobs and relax in the bosom of nature. At the same time, not everyone remembers that in the spring there is a very high probability of being bitten by a tick - this sometimes leads to very deplorable consequences in the form of various he alth disorders
What is the funded and insurance part of the pension? The term for the transfer of the funded part of the pension. Which part of the pension is insurance and which is funded
Last modified: 2023-12-17 10:12
In Russia, the pension reform has been in effect for quite a long time, a little over a decade. Despite this, many working citizens still cannot understand what the funded and insurance part of a pension is, and, consequently, what amount of security awaits them in old age. In order to understand this issue, you need to read the information presented in the article
OSAGO insurance: what documents are needed? Registration of OSAGO
Last modified: 2023-12-17 10:12
OSAGO insurance: what documents are needed, how much it will cost, what determines the cost of OSAGO. You will learn about this from this article. It describes in detail all the nuances that the owner may encounter when applying for a policy
Unified methodology for calculating damages under OSAGO. Unification of the calculation of damage under OSAGO
Last modified: 2023-12-17 10:12
In 2014, a new methodology for assessing damage after an accident came into force. The project and concepts of pre-trial dispute resolution were developed by the Ministry of Transport in 2003, but for 11 years they have not been used. Insurers all this time calculated the damage in their own way. But, when the plenum of the Supreme Court extended the law “On Protection of Consumer Rights” to OSAGO, they decided to recall the document
How to become an OSAGO insurance agent? What are the responsibilities of an OSAGO insurance agent?
Last modified: 2023-12-17 10:12
Working as an insurance agent at home (OSAGO, CASCO, property policies and much more) is quite prestigious and in demand, and under certain conditions it can bring considerable income
Surveyor services are a vital necessity
Last modified: 2023-12-17 10:12
Surveyor is a word that not every Russian entrepreneur knows. We can say that in Russian it is synonymous with the word "expert". The institute of surveyors has long been functioning in the system of trade, commodity production and transportation of goods from the sender to the addressee. Moreover, this process goes through all links of the transport chain. Survey services are the establishment of the fact, nature and extent of damage to the cargo
Voluntary medical insurance policy for foreign citizens staying on the territory of the Russian Federation
Last modified: 2023-12-17 10:12
Russia has a program of compulsory medical insurance (CMI), which gives the right to receive free assistance to citizens of the country and non-residents. The policy is issued to all employed persons in enterprises. But this applies only to persons residing temporarily or permanently on the territory of the Russian Federation. In other cases, you will have to buy a voluntary medical insurance policy for foreign citizens (VHI)
How to buy OSAGO without life insurance?
Last modified: 2023-12-17 10:12
Recently, complaints from Russians about companies that sell autocitizen policies have become more frequent. It is almost impossible to buy OSAGO without life insurance. In addition to the fact that since October 2014 the Central Bank has changed the tariff, insurers still refuse to sell a clean policy. How to be in such a situation?
Name different types of insurance services. How much do you know?
Last modified: 2023-12-17 10:12
There are a wide variety of insurance services that are provided by various financial institutions. Their range is not limited to life or car insurance. This article discusses all of their most popular types, which are provided both in Russia and around the world
Where and how to insure a car without additional insurance?
Last modified: 2023-12-17 10:12
When buying a car, we do not always think about the upcoming additional costs. If you put aside spending on a variety of tuning, winter tires and all sorts of "gadgets" such as seat covers made from the skin of a young antelope, then the most significant contribution to the vehicle is insurance
PPF "Life insurance" - reviews
Last modified: 2023-12-17 10:12
Insurance culture in Russia is not well developed. Both parties to the transaction perceive the service as a way to earn money. And in order to achieve significant success in this market segment, it is necessary to make a lot of efforts
OSAGO insurance without additional insurance
Last modified: 2023-12-17 10:12
The OSAGO policy must be mandatory for all motorists. But getting it turns out to be quite difficult. User complaints about insurers appear on the forums every day. The latter refuse to sell the policy, citing the lack of forms, and offer to issue any other service. But the inspectors say that there are no problems with the documents, the unwillingness to conclude contracts is illegal. So, how and where can you get OSAGO without additional insurance?
Pension Fund "Consent": reviews of clients, employees and lawyers
Last modified: 2023-12-17 10:12
Recently, people have often become interested in the services provided by the Pension Fund "Consent". Customer reviews are the most reliable source of information regarding the quality of services of this organization
Insurance company Rosgosstrakh: reviews on OSAGO. Payments for OSAGO in case of an accident (Rosgosstrakh): reviews
Last modified: 2023-12-17 10:12
If a person needs to learn about Rosgosstrakh, reviews on OSAGO from this company will say a lot. However, many people do not know what conditions this company offers, and even more so about how its work looks in practice
Company "PPF Life Insurance": customer reviews
Last modified: 2023-12-17 10:12
Recently, many people have begun to be interested in offers from PPF Life Insurance. Customer reviews are the first thing that potential policyholders try to get from this organization, as they allow you to find out the maximum reliable data possible
He alth insurance - what is it? He alth Insurance Fund
Last modified: 2023-12-17 10:12
Providing quality medical care is an important and integral part of the system of social protection of citizens. Wherever a citizen is, whatever his financial situation, he can receive decent medical care in the event of an unpredictable situation
Class "bonus-malus" - what is it? How to find out the "bonus-malus" class?
Last modified: 2024-01-17 18:01
The cost of the policy includes a base rate, which varies according to certain coefficients. They depend on the power of the car, the experience and age of the driver and other parameters. One of the coefficients is the "bonus-malus" class. What it is? How to calculate it? What does this indicator depend on? Read the answers to these questions later in the article
How to change the he alth insurance policy? Medical policy: to change or not to change?
Last modified: 2023-12-17 10:12
The CHI plastic policy is an officially approved document that allows its owner to receive completely free medical care throughout the country. It is one of the varieties of the compulsory he alth insurance policy, along with a regular paper policy and a universal electronic card
How to return loan insurance at Post Bank: all ways
Last modified: 2023-12-17 10:12
This organization, when applying for various loans for Russians, offers to issue an insurance policy in parallel. The loan will be fully issued even without insurance, however, bank employees often impose an insurance procedure on the client, appealing that they may refuse to apply for a loan without insurance
How much maternity pay from work: accruals, payment terms, size
Last modified: 2023-12-17 10:12
How much maternity pay from work in 2019 depends directly on numerous factors. Knowing about them, you can eliminate the likelihood of a misunderstanding when receiving payments. Decree financial compensation for pregnancy and childbirth, and at the same time for child care, is required by law for absolutely every woman
Insurance underwriting is all about risk management for a profitable insurance portfolio. Essential terms of the insurance contract
Last modified: 2023-12-17 10:12
Insurance underwriting is primarily a service provided by financial institutions like banks and insurance companies. They guarantee the receipt of payments in the event of certain financial losses
Self-insurance is Definition, basic principles, advantages and disadvantages
Last modified: 2023-12-17 10:12
What is self-insurance? What are its features, main forms? Historical development of the phenomenon. Characteristic features of self-insurance. How are reserve funds formed? When is self-insurance necessary? Its development today: who will benefit, why is it not common on the market?
"Renaissance Insurance", OSAGO: user reviews and opinions, conditions and procedures for insurance, tips
Last modified: 2023-12-17 10:12
Russians prefer to take out compulsory insurance for a vehicle (OSAGO) with a reliable insurer. One of the popular companies with a good reputation is Renaissance Insurance. Since the purchase of an OSAGO policy is regulated by the legislation of the Russian Federation, car owners are interested not only in tariffs, but also in payments upon the occurrence of an insured event
Types of insurance premium: essence, accrual, payments
Last modified: 2023-12-17 10:12
The essence of insurance premiums, their varieties, legislative regulation. Who is the payer? What are these fees for? Exceptions for foreigners and stateless persons. What will not be covered by insurance premiums? How is the base calculated, what tariffs apply here? Deadlines for sending insurance payments
"Smartpolis", Sberbank: reviews of users and customers about the insurance company
Last modified: 2023-12-17 10:12
The unstable economic situation in the country has become a provocative factor affecting the optimal investment of funds. Deposits habitual for Russians cannot guarantee a good income due to inflationary processes that have been observed over the past years. In order to realize the planned plans for the future, the country's main creditor has developed a unique life insurance program
Insurance partner companies of Sberbank: list of the best
Last modified: 2023-12-17 10:12
Policying is one of the options for reducing risks in lending. In this regard, almost all financial institutions, including the obvious leader of the country's financial industry - Sberbank, offer borrowers who have received insurance more favorable interest rates on loans issued
Renaissance insurance company: CASCO reviews
Last modified: 2023-12-17 10:12
"Renaissance" is one of the leaders of the Russian insurance market. The most requested services are property protection, he alth and auto insurance. Reviews about the insurance company "Renaissance" are left by both satisfied customers and those who did not like the services of the insurer
How to get a temporary CHI policy - features, requirements and validity
Last modified: 2023-12-17 10:12
Before we begin to consider the main aspects, let's first understand the general nuances. A temporary CHI policy is nothing more than an insurance certificate that guarantees its owner that in case of any he alth problems, the state will provide free medical care
AP Companies: customer and employee reviews, service overview
Last modified: 2023-12-17 10:12
Review of AP Companies medical and insurance centers. What does the company do. What types of services does it provide. The main requirements that AP Companies puts forward to its clients. Reviews of those who received services from the organization. Medical care and insurance
Air transport insurance - features, rules and requirements
Last modified: 2023-12-17 10:12
The object of air transport insurance is understood as the property interests of the person on whose insurance the agreement is signed, related to the disposal, use and possession of the aircraft, due to the destruction (theft, hijacking) or damage to the means of air transport, including furniture, motors, equipment, interior decoration, etc
What is a deductible in insurance in simple words: description of the concept, calculation procedure, types
Last modified: 2023-12-17 10:12
Services related to the insurance of property of organizations or citizens are becoming increasingly popular at the present time, which indicates the formation of a responsible approach among owners to the ownership of certain objects of their welfare
How to restore KBM after replacing rights: procedure
Last modified: 2023-12-17 10:12
Every motorist may be faced with the need to replace a driver's license. If you are interested in the answer to the question of how to restore the KMB after replacing the rights, then you should understand that you will have to tinker a little. To return the discount of the previous size, you will need to prepare a certain package of documents