Insurance company ppf life. Reviews of the insurance company PPF Life Insurance. Features of the contract and its termination

PPF Life Insurance has been operating since 2002. The company is engaged in savings and retirement life, as well as life and health insurance.

Payment for PPF "Life Insurance": where is it more efficient to execute?

By contacting the company, you can not only choose the type of insurance you are interested in, but also independently choose the method of payment:

  • direct or electronic bank transfer;
  • at the office of the Russian Post;
  • terminals "Eleksnet", "Qiwi";
  • commission-free in Rapida;
  • by credit card, including JCB.

Most companies prefer bank transfer as the safest and fastest. It is imperative to keep receipts of a completed transaction. If the receipt is lost, you will recreate the history of the payment at the cash desk or remote office of the financial institution.

Why do you need a personal account in PPF "Life Insurance"?

On the website of LLC PPF Life Insurance, a personal account is convenient for every user. Here you can choose the optimal program and control the payment schedule.

Main types of product:

  1. Premium / Optima. Provides protection against disability, death and includes a flexible savings program. Up to 30 years. The age limit is 55-65 years old.
  2. Sun. Policy for children from six months. Valid for 5-24 years,
  3. Guardia. Death insurance. Provides a payment of 150,000 - 10,000,000 rubles. Contributions can be arranged in installments.
  4. Gloria. Insurance for women, providing for the risk of cancer.
  5. Pension savings. The implementation period is up to 20 years. The contract is exclusive.

You can expand your risks, including hospitalization costs. The greatest interest in the insurance service is shown by clients participating in various tours, foreign trips.

PPF "Life Insurance": official website and technical support

You can use the Internet to choose the type of personal policy of the PPF "Life Insurance". The official website has a handy calculator for ease of calculating the mandatory contribution.

Criterias of choice:

  • risks;
  • amount of compensation;
  • dangerous hobbies;
  • health level.

Advice from Sravn.ru: Remember, if the insurance is drawn up for a short period, you must pay the entire amount of the payment in one time, in the case of a multi-year contract - in established installments.

PPF is a life insurance organization for citizens, which unites two holdings: Home Credit LLC and PP Life Insurance LLC. The company began its existence in 2002 and has chosen human life insurance as its goal. The development of the company has brought, to date, more than 1000 operating branches of the organization throughout the country.

Dear reader! Our articles talk about typical ways of solving legal issues, but each case is unique.

If you want to know how to solve exactly your problem - contact the online consultant form on the right or call by phone.

It's fast and free!

According to statistics, the organization occupies:

  1. 1st place in the rating of pension insurance programs.
  2. 10th place in the list of life insurance companies.

This confirms the reliability of the company and the high European level of providing services to the population.

Advantages and disadvantages

The advantages of choosing a PPF company include the following characteristics:

  1. A wide range of insurance programs with different conditions, insurance period and cost.
  2. After the end of the policy, the amount specified in the contract can be returned.
  3. Possibility to insure the whole family: employees, breadwinners, elderly people, children.
  4. A simple and quick procedure for issuing a policy.
  5. The agreement stipulates the rates of inflation and currency devaluation, which guarantees the protection of contributions from the crisis and other economic problems.
  6. The ability to create as a result the insurance amount, not less than 75%.
  7. Allowed amendments to the contract, by mutual agreement of the parties, during the period of its validity.
  8. Ability to designate a beneficiary.

Characteristics and types of programs

Especially for the insurance of the population, the PPF company has developed and implemented several of the most optimal and profitable programs:

1. "Premium"

The program offers the opportunity to accumulate material resources to ensure a dignified old age and guarantees the opportunity to make large financial purchases in the future using the accumulated funds.

The policy is issued for at least 5 years, and the maximum can be issued for 30 years. The price for the services of the program varies depending on the additionally included items, on the period of validity, etc.

2. "Sunshine"

The program of protecting children from possible injuries, bruises, receiving the accumulated amount of money, as material assistance in the event of an insured event. The advantage of such a system is the fact that those wishing to issue the "Sun" can completely independently choose the filling of the policy, insurance parameters, the duration of the insurance, etc. You can pay every month or deposit the insured amount every quarter, once a year.

3. "Guardia"

The policy is offered as an extended insurance program that includes a maximum of services:

  1. Disability.
  2. Loss of a job.
  3. Traffic accident, accident, accident.
  4. Deadly.

Guardia allows you to take out an insurance policy for the whole family, including the elderly and minor children. The minimum insured amount is equal to 150,000 rubles, the maximum is 10,000,000 rubles, the validity period of the policy can vary from 5 years to 30 years.

4. "Optim"

The most modern, youth insurance program, which allows young conscientious citizens to take care of their future and save the necessary amount of money to buy a car or apartment.

The advantages of the policy include:

  1. Ease of registration.
  2. A wide variety of additional services.
  3. An opportunity to save up an impressive amount of money.

5. "Gloria"

A unique PPF insurance policy designed specifically for women:

  1. If you lose the opportunity to work.
  2. For medical examination and diagnostic procedures.
  3. For severe damage.
  4. Deaths.
  5. When hospitalized.

The advantages of the Gloria policy are the following characteristics:

  1. The possibility of creating conditions for material independence.
  2. Using the accumulated funds to work with foreign doctors.
  3. Receipt of the sum insured upon expiration of the validity period.
  4. "Comfort".

An insurance policy designed for long-term life insurance and full-fledged independent planning of the financial condition. This is an undoubted advantage in the event of insured events or other unforeseen circumstances.

The advantages of the Comfort program include:

  1. In fatal cases, the amount of capital is doubled.
  2. The ability to protect yourself and loved ones from natural disasters.
  3. The policy covers most of the countries of Western Europe. Asian countries, America.

The principal amount for insurance can be from 4,000 rubles to 1,000,000 rubles.

Also PPF life insurance offers many corporate insurance products, among which are:

  1. "Partner".
  2. "Partner +".

The main advantages of which are the following characteristics:

  1. Convenience and efficiency of registration of the policy.
  2. Ease of making payments, convenient payment system.
  3. The ability to pay insurance premiums in stages.

However, in order to participate in corporate programs, you must make sure that you meet the basic requirements:

  1. Clients are up to 75 years old.
  2. Mandatory medical examination.

For each individual case of insurance, the program and the policy can be adjusted for certain conditions and the wishes of customers.

Step-by-step instructions for registration via the Internet

One of the offered PPF life insurance policies can be issued in several ways, but the fastest and easiest is to connect the service via the Internet on the company's official website.

This requires:

  1. Go through the procedure of official registration of the client on the website.
  2. Go to the client's personal account.
  3. Select the "Checkout the service" tab.
  4. Choose one of the offered insurance policies, having studied all the features and characteristics of each.
  5. If you need or have any questions, you can get the advice of a specialist.
  6. Provide information on an identity document.
  7. To receive an agreement, click on the "Agree with the terms" button, having previously studied all the requirements and features.
  8. Press the button "issue an insurance policy".

Cost calculation

In order to make a competent calculation of insurance for one of the PPF life insurance programs, you can use a simple calculator offered on the company's official website.

There are several basic steps that need to be clearly followed:

  1. Select the desired risks for insurance;
  2. Fill in personal data:
    • The amount you want to cover the case.
    • Information about education, employment.
    • Hobbies, hobbies (pay attention to active sports).
    • Medical indicators of health.

One-time insurance provides for the payment of the policy when drawing up the contract, long-term programs allow you to split the payment into monthly (quarterly) payment amounts.

Features of the contract and its termination

At the conclusion of the act, all the necessary data of the two parties and the terms of termination are prescribed in it. One of these conditions may be the failure to comply with the prescribed points of payment for the policy, or the failure of the insurance company to fulfill its obligations. Although, the minimum expiration date for a life insurance contract is set at one calendar year.

The redemption amount of the contract differs in terms of the validity period, the nature of use and the reasons for termination in which case the amount of money will be paid within 3 years.

Olga Personal insurance / Accident

Police: 1108620817

Olga, Syktyvkar. I am a client under the "Sun" program, contract number LC1 No. 1108620817 dated 12/30/2017. I decided to insure myself and my daughter in order to provide her with an education. Already 10 days after the conclusion of the contract, her beloved daughter Sofia, playing at home, hit and broke her collarbone. Yes, we are protected within our native walls, but no one expected this. I contacted the company after treatment. She provided only 2 documents: a certificate of treatment and an X-ray. Three days later, I received a payment to the account in the amount of 12,000 rubles. I am very pleased with the work of the company and, in particular, the employees of the additional office in Syktyvkar, Oplesnina, 17/2. I recommend to everyone.

Olga, good afternoon! Thank you for your feedback. We will be very glad to see you and your family among the insured. Best regards, PPF Life Insurance E-mail: [email protected]

Permanent revocation address

Catherine Personal insurance / Accident

Policy: No. 1114205911

I am the policyholder under the Premium contract No. 1114205911, my husband is the insured. On February 9, 2018, a metal scale got in my husband's eye, and as a result, his eyesight decreased. On February 16, my husband applied for an insurance payment at the Yaroslavl agency. On March 7, 2018, a notification of the transfer of funds in the amount of 9,000 rubles was received. Thank you very much for the promptness of the company. I will definitely recommend it to my friends and acquaintances, as well as use other programs in parallel.

Catherine, good afternoon! Thank you for your feedback. We will be very glad to see you and your family among the insured. Best regards, PPF Life Insurance E-mail: [email protected]

Permanent revocation address

Maksim Car insurance / OSAGO

Police: MSK732557

I have been insuring cars in the insurance company HOSKA, not for the first year (my policy number is 732557). I am an experienced driver, but anything can happen on our roads. Last month, at the junction with the Varshavskoe highway, they drove into me, just there was a heavy ice, I did not have time to dodge. Arrived, quickly issued. Payments are not delayed, compared to other companies. Quite satisfied with the price, and the service itself in this insurance.

Permanent revocation address

Gennady Personal insurance / Accident

Police: 1103838916

Thank you for the New Year's greetings for my grandson Kirill. Santa Claus and Snegurochka is what children need on New Year's Eve. You are great fellows that do not forget about your little clients. Good luck and prosperity. You are doing a necessary and important thing for people.

Permanent revocation address

Anastasia Personal insurance / Accident

Police: 1105042213

I would like to express my deep gratitude to the PPF company for the conscientious and prompt fulfillment of its obligations to clients in insured events! I would like to express special gratitude to the employees of the company! Very attentive, sympathetic and empathetic people!
Vladimir Safaraliev, thank you so much for insisting and repeatedly explaining the importance and necessity of having such a product as life insurance! Very carefully and carefully selected the program, taking into account all possible and impossible risks! I feel like a protected and important customer) Thank you very much for being there!

With the help of the CONTACT system on the territory of the Russian Federation and neighboring countries, you can pay for insurance contracts, as well as invoices for payment of LLC PPF Life Insurance according to a simplified procedure, without opening an account.

Payments are made only in Russian rubles.
CONTACT system commission for transfer: 0%.
Term for crediting funds: within 1 (one) business day.

Your actions when paying for the insurance contract / invoice for payment:

  • Choose and issue an insurance contract with PPF Life Insurance LLC and receive an invoice for payment.
  • Come to the CONTACT payment point convenient for you.
  • Inform the cashier-operator that you need to pay the insurance contract / account of PPF Life Insurance LLC using the CONTACT system, as well as provide an identity card and the following information:

FULL NAME. payer (in full);

Payer type (policyholder / agent / staff member);

Date of Birth;

Transfer amount;

Insurance contract / account number.

  • Pay and receive a receipt for payment.

* Insurance premiums under insurance contracts / accounts established in US dollars or Euros are paid in rubles at the exchange rate of the Central Bank of the Russian Federation on the day of payment.

PPF Life Insurance (legal name - LLC PPF Life Insurance) is an active participant in the Russian life insurance market. The company has been assigned a ruAА rating (High level of reliability) according to the scale of the RAEX rating agency (Expert RA). The owner of PPF Life Insurance LLC is PPF Group N.V. is a successful international investment group. The company was founded in 2002 (previously operated under the brands Generali PPF Life Insurance and Czech Insurance Company).

PPF Group invests in a number of industries such as banking, financial services, telecommunications, real estate, insurance, mining, agriculture and biotechnology. The PPF Group operates in Russia, Europe, the CIS countries, as well as Asia and the USA. Currently (as of December 31, 2017) PPF owns assets in the amount of over 38 billion euros.

You can check all information about insurance products directly from the financial consultants of PPF Life Insurance LLC (in the "Contacts" section on the official website of the companyhttp://www.ppfinsurance.ru ) or by phone: 8-800-775-8200.

Rating: 1 Estimated payments: 1

So, in order: I have long been thinking about insuring my life and health, since at the enterprise where I work, the official salaries are minimal, respectively, sick leaves are charged from them, you cannot provide a wife with a child with that kind of money. When choosing this company, the amount of insurance coverage, the high rating of the company A ++, the friendly attitude of the managers of the Smolensk branch No. 501 located on Konev Street played a role - everything was told and explained clearly for an ordinary person. So 03/29/2017. years between me - Sergeev Vladimir Viktorovich and the insurance company "PPF Life Insurance" concluded a voluntary accident insurance contract "Option" N 1110188116, according to which I paid an insurance premium in the amount of 18 160 rubles. In accordance with the terms of the contract, PPF Life Insurance LLC assumed the obligation to pay the sum insured in case of harm to the life or health of the insured person - me Vladimir Viktorovich Sergeev. The specified agreement is concluded for a period of 1 year. In accordance with the contract, the total insured amount under the contract is 1,500,000 rubles.

As time has shown, I looked into the water, deciding to insure, on April 28, 2017 at about 21.00 as a result of an accident that happened to me in the village of Koryuzino, Smolensk region, Smolensk region, where I helped a friend with the repair of a private house, stumbled on scaffolding, lost my balance and fell, landing on both legs, I was injured: a closed 2-nib fracture of the right shin, as well as a fracture of the left calcaneus. This diagnosis was made to me in the OGBUZ "Clinical hospital of emergency medical care" Traumatology center, located at Smolensk st. Tenisheva, 9, where I immediately turned after the injury. At the Traumatology Center, X-rays were taken and a plaster cast was applied to both legs. My hospital stay was from 28.04.2017. to 20.07.2017

Based on clause 8.1. The insurer was notified of the occurrence of the insured event by phone, within 30 days from the moment of its occurrence, reading the negative review of his fellow countryman and fellow in misfortune, decided to play it safe and recorded all telephone conversations on a dictaphone. On the hotline phone, I was told to come to the office of the Smolensk branch after the end of the sick leave and discharge. I stayed on sick leave for about 3 months, received a sick leave salary a little more than 21,000 rubles, while spending more than 42,000 rubles on treatment, there are checks for all, I did not worry too much about this, I borrowed money for treatment and life from relatives, so As I thought I was insured in a serious company, there would be no problem in obtaining insurance compensation, and based on the table with a list of injury payments, the amount of insurance coverage should be impressive.

21.07.2017 I was discharged from sick leave and I turned to my insurance agent S-voy T.V. with a statement about the occurrence of an insured event. The insurance agent requested the following documents from me: original X-ray images, sick leave, an extract from the medical record, a copy of the medical record certified by the chief physician of the Traumatology Center. All these documents were provided by me on July 21, 2017, about which a copy of the application was issued with a list of documents received from me. 24.07.2017. I received a call from the office of the insurance company and asked to bring a copy of the sick leave, certified by the employer, which was requested by the security service for verification. 07/28/2017 a copy of the sick leave, certified by the employer, was provided to the insurance agent, about which I was given a corresponding copy. When I asked if something else was needed, I was told that nothing was needed, I handed over a complete set.

Based on Appendix No. 2 to the Policy Option, the table of insurance payments in connection with insured events "Bodily Injury" (the amount of insurance payment is calculated as a percentage of the insured amount for the insured risk "Bodily Injury of the Insured", in my policy the insured amount is 1,500,000 rubles), by me injuries were received: section 21. ankle joint 84. fracture of the lower leg bones at the level of the lower third c) fracture of both ankles - 10% of the sum insured RUB 1,500,000, which is equivalent to RUB 150,000. - I received this injury on my right leg; as well as section 22. foot, toes 87. fracture of the bone (bones) of the foot b) fracture of three or more bones, calcaneus - 10% of the sum insured 1,500,000 rubles, which is equivalent to 150,000 rubles. - I got this injury on my left leg.

Based on the explanations to the table of insurance payments, if the injuries belong to different sections of the Table of insurance payments, then the payments under the articles are summed up - the injuries received by me are in different sections, as well as if as a result of one insured event there was simultaneous damage to various limbs or of both symmetrical organs, then the payment is calculated for each organ or limb - my limbs are different: the right and left legs. Therefore, the sum insured due to me under the contract is 300,000 rubles.

Based on clause 8.18. insurance contract within 14 working days from the date of receipt of all the necessary documents specified in clause 8.13. - all documents have been submitted, the insurer decides on the insurance payment. In my case, the date of submission of the full package of documents is 07/28/2017. I repeatedly called the hotline and my insurance agent, to ask in what time frame my insured event would be considered, to which I was told that an additional inspection of the insured event was scheduled, additional documents were requested from the competent authorities, when a decision was made to give a clear answer, I didn’t received. Charter to expect and not having heard more than one intelligible answer about the deadline for making a decision, 08.16. I applied for legal assistance. Having studied the contract, the lawyers saw a violation of the terms of payment prescribed in the contract and drew up a legal claim before it.

17.08.2017 The claim was submitted by me to the office of the Smolensk branch, and also sent by mail to Moscow, to the head office. 24.08.2017 I called the hotline in Moscow to find out if they had received my claim and if my insurance case had been considered, to which they replied that they had received the claim, as well as on August 18, 2017. received the necessary documents from the competent authorities, requested for additional verification and asked to wait 14 working days to make a final decision, saying that on this day a full set of documents necessary for making a decision was received, and the deadline for making a decision is 09/06/2017. 06.09.2017 I called Moscow to clarify information on my case, saying that, according to them, today is the last day for making a decision, to which they replied that on August 30, 2017, another additional check was scheduled, a request was sent to the competent authorities and a response is expected from them. When I asked why it was impossible to send requests to all the authorities of interest at once, at the same time, not to delay it for months, contrary to my agreement, assigning one check after another, I did not receive a clear answer.

On 09/10/2017 my insured event was not considered, which is a gross violation of the insurance contract, and by appointing one additional check after another, the insurance company artificially delays the terms and tries to evade the payment due to me for the harm I received. Regarding the alleged additional checks, the question is also strange, the documents from the hospital and from work confirming the injuries I received were given to the insurer in full, the originals: 6 X-ray pictures, an extract from the outpatient card; copies of: an outpatient card certified by the chief physician of the Trauma Center, 3 pages of sick leave, with notes about my visit to a medical institution during the time of incapacity for work, copies of 3 pages of a sick leave certified by the employer. These documents fully reflect the insured event, the fact of its occurrence and the reason. I understand that in our country there is no bureaucracy or delays, but the actions of this insurance company cross all borders. I am waiting for another week, after which I will have to go to court.



Recommended to read