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Insurance against job loss rosgosstrakh. Job loss insurance: features, services and reviews. Is such an agreement necessary?

Who can insure?

A full-time client aged 18 full years as of the date of commencement of the insurance period and until the Insured reaches the retirement age (for men - 60 years, for women - 55 years inclusive) as of the date of expiration of the insurance period for this risk;
On the date of conclusion of the Contract, the employment contract concluded between the Insured and the employer must be valid, providing for full employment (40 hours per week) and the Insured receiving remuneration for work in the form of a monthly salary. Temporary incapacity for work due to pregnancy and childbirth, parental leave and probationary period are also an obstacle to the conclusion of the Agreement, unless otherwise stipulated in the terms of the Agreement.
The total work experience of the Insured must exceed 12 months (in particular, at the last place of work of the Insured, not less than 3 months).
On the date of commencement of the term of insurance for this risk, the Insured must not have a notice of dismissal from the employer;
On the date of conclusion of the Contract and during the term of the Contract, the Insured must not be an individual entrepreneur, shareholder (participant) of the employer of the Insured, a close relative of the employer (spouse, parents, children, adoptive parents, adopted children, siblings, sisters, grandfather, grandmother , grandchildren), temporary seasonal workers employed in an industry that implies a seasonal nature in work;

What job loss options are covered by the program?

The death of the employer - individual entrepreneur, as well as the recognition by the court of the employer - individual entrepreneur as dead or missing.
The onset of emergency circumstances that prevent the continuation of labor relations (military operations, catastrophe, natural disaster, major accident, epidemic, etc.), if this circumstance is recognized as an emergency decision of the Government of the Russian Federation or a public authority of the corresponding subject of the Russian Federation.
Refusal of the Insured to continue labor relations in connection with a change in the owner of the property of the organization, with a change in the jurisdiction (subordination) of the organization or its reorganization, with a change in the type of state or municipal institution.
Refusal of the Insured to transfer to another job in accordance with a medical certificate issued in accordance with the procedure established by the federal laws of the Russian Federation, or the absence of an appropriate job for the employer.
Refusal of the Insured to transfer to another area together with the employer.
The initiative of the employer in case of liquidation of the organization, or termination of activity by an individual entrepreneur; initiatives of the employer in connection with the reduction of the staff of the organization or individual entrepreneur.
The employer's initiative in the event of a change in the owner of the organization's property (in relation to the head of the organization, his deputies and the chief accountant).
The employer's initiative in connection with the termination of access to state secrets, if the work performed requires permits.

What is the monthly payment?

The insurance payment is made in the form of monthly payments for each full month of the Insured being in the status of unemployed.
The amount of the monthly insurance payment is equal to one fifth of the sum insured under the Insurance Policy, but not more than the average monthly salary of the Insured for the last 6 (six) months of work experience preceding the insured event. The total amount of payments for one insured event may not exceed the sum insured specified in the Insurance Policy.
The contract provides for a period of 60 (sixty) calendar days from the moment of the insured event, during which no insurance payment is made. In case of repeated occurrence of an insured event under the risk “Surviving to the loss of a job” during the insurance period, there is no deferred period.

What are the conditions for receiving payment?

More than 90 days have passed since the purchase of the policy until the loss of work.
The reason for the loss of employment coincides with one of the conditions listed in the "Insurance risks" section.
The insured applied to the employment service for registration for unemployment within two weeks after the dismissal. The Insured has provided the Insurer with the necessary documents within 90 days from the date of termination of the employment contract.

Often, having fallen into a debt hole, bank customers ignore loan payments, simply not depositing them into the bank account. This may be due, among other things, to the loss of a job. The reasons for laying off such workers are very diverse - from the whim of the employer to the reduction. As a result, a person loses the only source of funding and faces the destruction of his long-term plans. If you decide to take out a loan, job loss insurance is the best way to prevent debt and bank problems. Let's consider this procedure in more detail.

What is job loss insurance

This is a kind of service. Its essence is the payment by the insurance company of money to the bank instead of the borrower, who suddenly lost his source of income. Payments are made within 6-12 months, depending on the individual situation and the selected program. It turns out that using such a service, a person can calmly engage in their own employment, placing the problems of repaying the debt to the bank on the insurer.

Usually, when issuing a loan, banks themselves offer to deal with insurance. Sometimes, without compliance with this condition, the issuance of a loan is completely impossible. Most often, a financial institution enters into a contractual relationship with a third-party company, which will provide assistance in the event of force majeure circumstances for the borrower. This is due to the fact that if the client loses solvency, the bank will still receive profit, but it will be paid not by the borrower, but by the insurer.

Insured events in which you can count on support

Many borrowers, due to an incorrect interpretation of the concept of "insurable event", are faced with a misunderstanding of the procedure for returning money. Dismissal due to violation of the norms of labor discipline or the personal will of the employee does not imply the payment of insurance. In general, a set of insurance situations is set individually in each organization. But there is a basic list of cases that are insured:

liquidation of the company in which the client worked;
reduction in the number of staff or staff;
termination of the contractual relationship due to a change in the owner of the company;
the departure of an employee from the workplace due to circumstances that do not depend on the will of the parties.

In these cases, unemployment insurance will apply. This only says that if you get into a difficult life situation, the partner will help out by depositing money into the bank instead of the client.

Circumstances in which payment is denied

There are situations when the borrower will receive a direct refusal to pay out insurance, here is an approximate list of them:

dismissal due to one's own will;
violation of labor discipline, which led to the departure from work;
receipt by the employee of payments from the employment service;
loss of ability to work due to the fault of the employee.

How relevant is insurance coverage?

Insurance services can be issued for any type of lending. Moreover, some banks will generally refuse to issue a loan if the contract with the insurer is not executed. The question is whether the client himself needs to conclude such an agreement, perhaps there is another way out of the situation. Consider the need to conclude this agreement for various types of lending.

Consumer credit. Since it is issued for a short period of time, the financial situation of the borrower is unlikely to change. Therefore, banks, when issuing a consumer loan and requiring compulsory insurance against job loss, do not always act honestly.
Car loan. This loan is issued on average for 3-5 years, that is, for a period for which financial income can be predicted more or less clearly and transparently. Therefore, obtaining insurance against job loss is a purely voluntary matter.
Credit card. If you use a credit card and pay off debts within the grace period, that is, almost immediately after spending, using this type of insurance is inappropriate.
Mortgage. This loan is issued for a minimum of 10 years, therefore, in order to avoid unforeseen circumstances, several insurance contracts should be concluded, including insurance in case of loss of work.

It is irrational to enter into such an agreement if you have good friends who will lend money or vouch for you, or if you have a reserve amount "for a rainy day", which will be used to pay off debts in case of loss of a job. If, nevertheless, you decide on this type of insurance, the most affordable option for concluding an agreement is to directly contact an employee of the bank where you apply for a loan and express your desire to conclude this agreement. Although, you can bypass the bank by starting an independent search for good insurance companies. This will be less noticeable in terms of money, but more noticeable in terms of time and labor.

What are the benefits of an insurance contract

Of course, the conclusion of this agreement is useful. Indeed, in the modern world, when crises come wave after wave, the reduction or liquidation of enterprises is not something out of the ordinary. Therefore, you cannot be sure of the stability of your own financial situation. In this regard, the conclusion of an insurance contract has a certain number of advantages:

loan payments are made by the insurer's funds;
there are no risks of damage to the credit history due to delays;
you get the opportunity to assign responsibility for the loan to a third party while looking for a new job;
if you lose your main job, then your relatives and persons who are guarantors will not be responsible for returning money to the bank;
Establishing a Job Loss Assistance Agreement is a quick and inexpensive process.

But it is important to find a good insurance company that, in the event of an insured event, will not shirk its obligations, but, on the contrary, will meet halfway and provide assistance.

Features of concluding an insurance agreement

You can conclude such an agreement in the process of applying for a loan in order to protect yourself and the banking organization from enormous financial costs. Unfortunately, in our country, self-insurance has not yet gained widespread popularity, however, in case of concern about the next liquidation of the enterprise or downsizing, you can take and buy a policy under which you will receive support in case of dismissal.

To create a relationship with an insurer, you must meet the minimum set of requirements:

Citizenship of the Russian Federation.
The age range is 18-60 years old and 18-55 years old for men and women, respectively. Some organizations require that the borrower's minimum age is 21.
The length of service worked out at the last workplace is equal to 3 months.
Total work experience - from 1 year.
An important role is played by the fact of the conclusion between the parties of an open-ended labor contract.

This is just a template set of conditions that must be observed, but some financial institutions have auxiliary requirements that are prescribed and negotiated on an individual basis.

The cost of insurance services

The price of insurance services depends on the company with which you plan to conclude an agreement. In some cases, the cost indicator will be calculated as a percentage, and sometimes it is a fixed value. To choose the best option, you need to familiarize yourself with all the offers in detail and make your choice. Typically, the price of insurance is from 0.8 to 5% of the loan amount. If we are talking about a fixed value, it is equal to 200 r. per month Sometimes the bank requires you to take out insurance and pay for it in a lump sum, which averages 5-10 thousand rubles.

Unfortunately, in our country the cost of obtaining lending services is quite high. This is due to the special mentality of local citizens. The lion's share of our compatriots will never in their lives agree to pay their hard-earned money, unless there are visible reasons for this. Therefore, citizens of the Russian Federation turn to insurance companies only in extreme cases, when the most terrible prospect is about to come.

Procedures for receiving payment in case of an insured event

In order for your dismissal to be accompanied by the prompt compensation of the amount for the loan, you need to register with the CZN and contact the insurance office, taking with you a certain package of documents:

copy and original of the passport;
original and photocopied form of the work book;
employment contract between the parties;
credit agreement with a banking organization;
certificate from the financial institution about the debt;
a document from the employment center, indicating that you are registered;
a certificate taken at your previous place of work, characterizing the average monthly salary.

Layoff insurance is the best way to prevent risks for people who decide to take out a loan. Therefore, you do not have to worry about penalties, penalties and increasing debt in a situation if you suddenly lose your job. The set of requirements for a person concluding an insurance contract is not large, so you can conclude an agreement and feel psychologically comfortable.

Organizations offering favorable insurance conditions

Many borrowers who decide to take out insurance are concerned about where to insure in order to get favorable conditions and save on payment for services. Consider the most advantageous offers of insurers in this direction.

Program in Sberbank

This financial institution offers to take advantage of the special program "Green Parachute". Losing a job is not always a good thing. Therefore, interaction with this bank guarantees you reliable insurance, which has several advantages:

payment at the time when it is most needed;
affordable cost of paying for insurance services in exchange for serious guarantees;
simple and fast process of paid events.

Cost and payments under the program

Absolutely everyone who decides to become a client on a loan at Sberbank PJSC can participate in this program. This opportunity covers the loan in the event of the following circumstances - layoffs, layoffs, moreover, within the framework of the program, you can receive an additional bonus in the form of assistance in finding a job.

"VTB 24"

The amount of insurance that can be counted on when concluding an agreement with VTB-24 is about 3.8% of the loan amount. The insurance premium is paid every month. For each individual case and for each client, calculations are made on an individual basis. Every client who is going to take or has already taken a loan from this bank can use the program.

"Renaissance Insurance"

This bank facilitates obtaining an insurance loan against the loss of a job, it is important that a few simple conditions are met. The borrower pays for services in the form of a commission, and the insurance amount is 1% per month, more precisely, from 1% based on the size of the loan taken. If desired and necessary, there is the possibility of increasing the loan value.

"Rosgosstrakh"

The company has been operating in the insurance market for a long time, and today its services are becoming more and more popular. Rosgosstrakh offers insurance, the cost of which depends on the length of service, the place of work of the borrower. You can count on receiving compensation in case of loss of a job due to the liquidation of a company, official layoffs, and disability.

Thus, a layoff policy is a useful and necessary service that will allow you to share the unbearable burden of a loan with a third-party company in the event of a temporary disability. But it is important to choose the right insurance company, on which your well-being and credit history depend.

« In a difficult economic situation, many people need additional protection. Now more and more clients apply for insurance payments in connection with the dismissal. Most often, insurance against job loss is offered by banks to borrowers of loans. Today we will tell you how such a product works.", - says Hannes Chopra, General Director of IC Sberbank Insurance LLC.

A fairly high-ranking employee of one of the partner banks Sberbank Insurance purchased insurance at the very beginning of cooperation, as they say, for the sake of experiment. After a recent layoff at the bank, he was left without a job - and took advantage of insurance, which he bought only for fun. " Before difficulties, everyone is equal, and wealthy people also seek help., - says Alexander Shaikin, head of the underwriting and methodology department of the retail business at Sberbank Insurance. - However, for ordinary employees, insurance against job loss is much more necessary - for some, this is the last hope.».

Today, job loss insurance policies are sold mainly to borrowers of loans - these can be consumer loans or a car loan. By law, companies do not have the right to impose another when purchasing one product. Therefore, a bank manager can only recommend purchasing an insurance product. As time has shown, those who took out insurance acted wisely. Recently, the number of applications for insurance payments has increased.

How does this insurance work? The policy guarantees the reimbursement of income insured for a certain period of time - usually three to six months. This means that if an employee is fired due to a reduction in staff, he will be able to receive for some time an amount comparable to the lost salary - already from the insurance company. For this, however, certain conditions must be met. The insurance policy comes into effect only two months after purchase. The fact is that according to the law, the employer is obliged to warn the employee about the dismissal two months in advance. The insurance company will not pay compensation to a person who was notified of the reduction before the conclusion of the insurance contract.

Further, the insurance has a so-called temporary deductible - payments will begin 60 days after the occurrence of the insured event. This is necessary so that the former employee still makes efforts to find a new job. During this period or for this period, the former employer is obliged to pay the dismissed employee the lost average monthly earnings. If these conditions are met, the insurance company makes payments starting from the 61st day from the date of entry into force of the contract. " To confirm the insured event, the client must provide an application for an insured event, documents confirming that he worked in the organization and was fired, a certificate from the labor exchange

It must be borne in mind that the insurance company will not pay compensation in the event of an "unofficial" dismissal - if, for example, the employer forced his employees to write a statement "of their own free will." In this case, it is worth contacting the supervisory authorities for protection. In addition, people holding managerial positions, individual entrepreneurs, military personnel and civil servants are not subject to insurance.

« Previously, some customers treated such insurance as an unnecessary, almost imposed thing. And now, in a crisis, for many this has become the last hope - people get time to solve their problems and can easily look for a job.", - says Alexander Shaikin.

Among other types of insurance, job loss insurance is the newest type. It is convenient for both insurers and policyholders, since some receive income, while others receive the confidence that during the next economic crisis it will be possible to pay the bills and not borrow money from relatives.

Insurance is an opportunity to receive cash payments on a monthly basis (or receive the entire amount once), subject to the unexpected dismissal of a qualified employee for reasons independent of him.

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Insurance rates

For each individual insured, a personal tariff is set. Sometimes a fixed rate is given to the client.

In this case, the calculation of payments is easier. But in order to take into account more factors that determine the profitability of the transaction for the insurer, some companies prefer a cash interest rate.

The insurance percentage will depend on:

the position held by the person;
his salary;
work experience at one workplace (the experience must be at least a year);

This is fair, and the client must understand that the insurance company is a commercial organization, not a state one. The rate ranges from 0.8 to 10% maximum. But usually 2 or 3%.

That is, if a working person has any cash reserves that are enough to live for at least 6 months without receiving wages, insurance will be superfluous. It is not beneficial in such a situation. And since the consumer philosophy does not call for frugality, more often wages are spent immediately. This is what the insurance companies are doing.

Occurrence of an insured event

Before you insure, you need to understand what constitutes an insured event. Not every dismissal will be paid by the insurer.

Note that he (the insurer) has no reason to pay a dismissed low-skilled worker, or someone who left of his own free will, and decided to earn money without getting officially settled.

We list those cases of dismissal that will still be considered insured:

Reduction of staff (if there is a written notice).
Reinstatement of a former employee.
Liquidation of the enterprise.
Dismissal due to receiving a disability group (1 or 2).

But insurance is not paid if:

The worker has been laid off but has not been formally notified.
The disability was obtained as a result of an accident due to the fault of the employee himself.
Dismissal due to the use of alcoholic beverages or hard drugs.
Dismissal at personal request or by agreement of the parties.
Dismissal due to gross violation of safety regulations.
The employer refused to sign an employment contract for the employee after the expiration of the probationary period.
There was an official transfer from a full-time job to a half-time job.
The insured receives monthly payments at the employment center.

If the potential client is satisfied with this state of affairs, he fully agrees with the company's policy, signs the contract and does not claim payment if the dismissal is not considered an insured event.

How to get paid?

To receive payments after the occurrence of an insured event, you need to contact the insurance company, having previously prepared the necessary documents:

Passport of a Russian citizen (and a copy of the passport).
Terminated employment contract (copy). If there is no long-term employment contract with the employer, you will not be insured.
Employment book with a record of job loss (both original and copy).
2 mandatory certificates (one on average monthly income and the other from the employment fund). Another certificate is needed from the bank if the client has an unpaid loan.

The insured event will be paid only a few months after the conclusion of the contract. Each company has its own period. This nuance in the insurance contract is present for the safety of the company itself. After all, many clients know in advance about the bankruptcy of their company, and want to receive money immediately after its liquidation.

This means that the algorithm for receiving legal payments is as follows:

After the loss of an official workplace due to circumstances beyond your control, start preparing certificates. Be sure to register with the employment fund.
If there is an outstanding loan, and you have insured it in advance, get a certificate from the bank.
After the expiration of the period excluding the appeal to the insurer specified in the contract, you can come with the entire package of documents and demand payment.
Only after the company approves the insured event, the insured has the right to count on his money.

To make sure that the insured is really unemployed, the agent of the insurance company will check your employment record every month.

Profit or loss?

This is a completely new area in insurance, besides, Russian people usually insure only in emergency situations. And companies set not very high prices for their policies - no more than 10 thousand rubles. But at the same time, the conditions for obtaining insurance are strict.

However, the benefits are not bad from the deal. Namely:

You don't have to worry about losing your job during an economically difficult time. Even when there is serious unemployment in the country, you will stay afloat.
Cash payments are usually guaranteed for 6-12 months.
If the client has a multi-year loan, the insurer can expect that his credit history will not be negative.

A perspicacious insured knows that there are also disadvantages in an insurance contract. The downside is that in the event of a layoff, the employer most often writes a different reason for dismissal. And having received an entry “by agreement” in the work book, the dismissed employee cannot expect insurance payments.

Another disadvantage is the inability to obtain a policy for an unofficially working individual.

So, in order to absolutely win against the insurance company:

Form a clear assessment of each proposal. One offer may not suit you, but another will prove beneficial.
Estimate adequately your insurance experience and position. Will the insurance company consider you a profitable client?
Also check your insurance company. Look through reviews of companies, find out the opinion of people who have already insured. Perhaps some companies are not worth your attention.
Learn the "pitfalls" of insurance. That is, check all the conditions on which the contract is based. The more detailed the conditions under which the insured event is paid, the greater the confidence that you will still receive the money.

If you want to insure yourself, study in advance all the offers that various insurance companies are ready to provide.

Many companies refuse to pay any amount, citing the fault of the employee in dismissal, or other nuances that he missed when reading the contract.

This applies to unscrupulous insurers. Finding a responsible insurer that cares about its ranking among competing companies will take a lot of time. Prepare yourself, study your situation from different angles, consult with lawyers. And when everything is checked, you can sleep peacefully.

Reading 7 min. Views 89 Published on 08.09.2018

According to the results of the statistics, few of the Russians applying for a loan at Sberbank are aware of such a type of insurance service as protecting a client from an unplanned loss of a job. This type of policy is offered to clients by financial and credit organizations, mainly when concluding an agreement for the provision of a long-term loan (for example, a mortgage). This policy is also available to ordinary citizens, on their own initiative.

Any client of the bank, when applying for a housing loan, is faced with an urgent request from the mortgage manager to issue an insurance policy. Some types of insurance (for example, for mortgaged housing) are mandatory. Sberbank job loss insurance is not among the necessary ones, but borrowers should think about this insurance.

Sberbank can issue an insurance policy against the risk of job loss

Features of the insurance program against job loss

The essence of this insurance is based on the provision of guaranteed assistance to borrowers in the event of loss of work, which is the source of the main income. As a result, for this reason, there are great difficulties in paying the mortgage debt to the bank and subsequent troubles, up to the loss of mortgaged housing.

Sberbank job loss insurance becomes most relevant if the borrower works in an unstable organization, especially during financial crises, when there is a high chance of joining the ranks of those laid off.

In the event of an insured risk, the borrower receives the due compensation from the insurer. Naturally, the loss of service must be documented - only under such conditions is the insured person entitled to payment. Compensation consists of a temporary repayment by the insurer of monthly payments on a home loan for a period of 6-12 months.

Usually, during this period of time, the client finds another job and returns to his usual financial situation. The object of insurance when concluding this policy is the sudden loss of a job - according to statistics, this is the most common reason for problems with payments on a mortgage loan.

Pros and cons of such a policy

Experts consider the following aspects to be the main advantages of such insurance:

Timely and fast financial support. The insurance payment is made exactly when it is most needed.
Affordable policy price. This insurance program is distinguished by a reduced price policy and acceptable monthly payments, which allows the insured person to lead a normal life without excessive financial restrictions.
Simplified payment system. Insurance payments are made according to the automatic payment system. The insured person does not have to come to the insurance company every month to make the next installment.
Insurance can be issued for any type of loan.

But, with a detailed examination of the conditions of insurance, experts reveal some shortcomings. The main thing is the fact that not all cases of job loss are defined as a case of risk. For example, if a client left as a result of a staff reduction, having issued a dismissal as “his own desire”, then he is denied insurance.

The essence of the insurance industry

Requirements for taking out insurance

Sberbank imposes certain requirements on a client who wishes to issue such a policy. It can be concluded by citizens who meet the following number of conditions:

Russian citizenship;
official employment;
total work experience: from 1 year;
working age (18–60 years).

Insurance against sudden (unplanned) loss of duty station is valid for the entire duration of consumer or mortgage lending. The total cost of the policy depends on the type of direction chosen and the term of the client's loan.

Insurance risks

Before engaging in the execution of an insurance policy in this area, you should know what insurance risks will include. These nuances need to be known to every client, especially borrowers who issue long-term loan obligations.

Many bank customers do not fully understand what exactly is invested in the concept of "loss of work" and under what conditions they will be entitled to an insurance payment.

Insurance protects the financial situation of the client in case of lending, if the loss of work causes problems with loan repayment

Unplanned dismissal (not the fault of the payer)

Job loss insurance does not work in all cases of dismissal. You need to know that if the work book is marked “at your own request”, the policy will lose its validity. Since such a calculation is not included in the number of insurance risk. The insurance will cover only cases of dismissal at the initiative of the employer. In particular:

Staff reduction. Termination of the employment contract due to a decrease in the number of employees of the enterprise due to necessity. Such dismissal is regulated by Article 81, Clause 2 of the Labor Code of the Russian Federation.
Agreement of the parties. Provided that the employer is the initiator. At the same time, there should be an entry in the work book with a note that the dismissal took place on the basis of Article 78 of the Labor Code of the Russian Federation.
Liquidation of the enterprise. There must be a corresponding entry in the work book (dismissal occurs on the basis of Article 81, Clause 1 of the Labor Code of the Russian Federation).

Under the terms of the program, an additional bonus may be provided to the insured person in the event of a risk. After all, insurers are interested in the speedy normalization of the client's labor situation, so the bonus is the comprehensive assistance of a new job. Namely:

deal with stress after being fired;
form an optimal model for finding another duty station;
develop and design a win-win resume for future interviews.

Temporary disability

The insurance program also guarantees the payment of insurance compensation in case of temporary disability. Such cases include various industrial injuries, the development of occupational diseases. Registration of this insurance becomes especially relevant in the case of a mortgage loan - a housing loan, which is issued for a period of up to 25-30 years.

When Compensation Is Denied

In addition to dismissal at personal request, the insurer provides for other cases that are guaranteed to become a refusal to receive insurance compensation. These are the following situations:

dismissal under articles that are based on violations of labor legislation (absenteeism, alcohol intoxication, violation and failure to fulfill labor duties, etc.);
if temporary disability due to a work injury occurred due to drug / alcohol intoxication.

According to statistics, it is the loss of a job that is the main reason for the inability to fulfill loan obligations.

What to do in the event of an insured event

As soon as such a nuisance as an unplanned dismissal occurs, the insured person needs to contact the insurer company as soon as possible. This can be done by calling the call center (hotline). The operator will explain the entire further sequence of actions to receive compensation.

Upon dismissal, a former employee should quickly register with the Employment Center (Employment Center). Only in this case, you can count on compensation.

To receive compensation, it will be necessary to collect the required documents. The standard documentation portfolio includes:

passport of the insured;
work book / employment contract;
certificate from the CZ stating that the person is registered;
an agreement with the lender bank (attached to it is a bank statement and the amount of debt on the loan and a payment schedule indicating regular payments).

The sooner the client provides the insurer with the documents, the sooner insurance payments will begin. The client is given 10 days to register at the Employment Center and 60 days to contact the insurance company to receive insurance.

Types of insurance in Sberbank

Receiving insurance payments

The insurance program comes into force 2 months after the conclusion of the contract. And the first payment is already available for receipt 30 days after activation of the insurance. The following conditions apply when receiving compensation:

Payments are made to the current account that was indicated by the client in the application for compensation.
The payment under this insurance cannot exceed the size of the average monthly salary of the insured person (data for the last year of work are taken). Payments cannot exceed 74,000 rubles per month.
The maximum allowable number of insurance payments is no more than six.

The amount of payments directly depends on the value of the concluded insurance. The policy options can be found in the following table:

Sum insured (in rubles, per month)	The cost of the insurance policy (rubles/month)
6 500	190
12 000	330
20 000	530
27 000	730
35 000	990
43 000	1 190
50 500	1 390
58 000	1 590
66 000	1 790
74000	1 990

conclusions

It is worth remembering that this type of insurance direction is designed not only for mortgage / credit clients of Sberbank. Anyone can apply for such a policy. This type of insurance will save you from unpleasant situations when, in the event of a job loss, the borrower has nothing to pay for loan obligations. In the event of a loss of income due to circumstances beyond the control of the client, all contractual banking obligations will be fulfilled with the help of the policy. And the citizen himself will be able to search for a new job in a calm atmosphere.

Type