Generali insurance company. PPF life insurance: what programs are there, the amount of contributions, how the payment is made. How to conclude an agreement with PPF: types and conditions of insurance

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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!

The insurance culture in Russia is not well developed. Both parties to the transaction perceive the service as a way of earning money. And to achieve significant success in this market segment, you need to make a lot of effort. Some people do it. For example, PPF Life Insurance. Read customer reviews about services, quality and nuances of service further in this article.

History of creation and development

The fund was founded in 2002 by the foreign Generali PPF LLC. Life Insurance, Home Credit Insurance and Insurance in Russia were part of one structure. In 2013, there was a redistribution of shares. PPF Group, which is a key figure in the international holding of investment companies, acquired 25% of the shares in 2013, followed by another 24%.

Over the 13 years of its existence in Russia, dozens of programs have been developed, which are implemented through its own agency and banking network. The achieved results are evidenced by the assessment of the rating agency "Expert RA" A ++, membership in the Anti-Fraud Committee of PPF "Life Insurance" LLC, customer reviews.

The organization actively participates in non-profit charitable programs. Much attention is paid to the education of children within the framework of the Blue Bird project, which is aimed at helping gifted citizens from socially unprotected families to get higher education. The institution also provides support to the largest art center in Moscow - "Winzavod". The holding operates a biotechnology company that develops drugs for the treatment of tumor diseases. A scholarship is allocated for the training of oncologists. In March 2015, the “I want to live!” Project was launched, the main goal of which is to contribute to the fight against cancer.

PPF Life Insurance: rating of the company in 2014

For 9 months of last year, the company collected more than 1.9 billion rubles, and the amount of accrued premiums for funded and pension programs amounted to 1.85 billion rubles. This is 23% more than in 2013. The fund is developing its own agent network. Over 4,000 consultants from 83 branches for 9 months increased the volume of collected premiums by 30%, payments increased by 17%, insurance reserves and assets amounted to 6.3 and 7.6 billion rubles, respectively. According to the results of the calendar year, PPF Life Insurance entered the top ten companies in the market.

Company advantages

A wide range of risks.
Exemption of the client from paying contributions when receiving a disability of the I group.
High level of protection around the clock.
The ability to connect options that will help you change the amount of money, the frequency of payments.
Preservation of the quality of life when
Protection action - 24 hours a day around the world.

PPF "Life Insurance" implements programs that allow each person to manage the budget, create a reserve of funds, maintain the material well-being of the family, and generate capital to achieve goals. The company offers its customers several products designed for people of different ages and lifestyles. Let's consider them in more detail.

Premium program

The policy allows you to insure your life and accumulate funds for 5-30 years. At the end of this period or in case of premature death, a certain amount will be paid. The program allows you to take into account additional options. For example, the payment of compensation as a result of death from a dangerous illness or accident (HC).

"Sun" - a program for children

This makes it possible to accumulate funds by a certain date and receive financial support in case of unforeseen circumstances. The program takes into account the age of the participants, therefore it is possible to connect additional options, according to which the payment will be made even for minor bodily injuries. Insured events in the standard scheme are: expiration of the contract (5-24 years), premature death of a child or parent participating in the program.

"Guardia"

A package of services from PPF "Life Insurance", which includes an extended set of risks. The payment can be received in case of premature death of a person as a result of NS, deadly diseases. If a person survives until the end of the program, he will be refunded a percentage of the contributions paid.

"Optim"

The program is aimed at the accumulation of funds, it is focused mainly on the elderly. The tariff allows you to connect additional options. The main advantage of the program is the indexation of funds.

"Family option"

New program from PPF "Life Insurance", which appeared only in May 2015. 5 family members can become parties to the agreement at the same time: two adults (18-70 years old) and three children (1-17 years old). The policy provides for payment in the event of a burn or fracture, disability, death as a result of an accident. The policy is valid for 1 year.

Reviews

The most popular tariff is "Sun". In theory, the program allows you to get compensation even for minor scratches and cuts on the child's body. To do this, you must provide an extract from the clinic and the test results to PPF Life Insurance. Payment is made within 2 weeks. This is evidenced by customer reviews on the forums. However, the timing of the indemnity payment largely depends on the specific insured event. If we are talking about a person getting a disability as a result or illness, then the waiting time can increase up to 1 month. In general, most of the clients are satisfied with the cooperation with the company. There are, of course, negative reviews. But they relate either to the disrespectful attitude of the company's employees to clients, or to problems arising from the insured person's ignorance of the rules for filing an application for reimbursement. In order to reduce the risk of receiving a refusal to pay, it is necessary to treat the purchase of the policy with due attention in advance.

5 common beginner mistakes

Life insurance is unreliable.

It is possible to reduce risks in long-term financing if you choose a company that adheres to a conservative approach to investment: invests reserves in government central banks and corporate bonds.

Life insurance is an investment, and only then protection.

This service is aimed at reducing risks in the event of health problems. Although endowment insurance allows you to generate some capital, making a profit is not the main goal. This service is financially attractive due to tax refund and income indexation.

The only thing worth focusing on is the value

When choosing a program, you need to take into account several factors: the purpose of the investment (protection or accumulation), a set of risks, the duration of the contract. Depending on these parameters, the optimal product is selected.

It is better to buy an insurance program with a minimum set of risks.

Such products provide for the payment of indemnity due to death or in the event that the customer lives to the end of the policy. They cannot demonstrate all the benefits of the service or financially protect a person in case of injury or disability.

Out of date information.

The contract should be reviewed once a year to ensure that the information provided is accurate and correct. If life circumstances have changed (marriage, divorce, childbirth, increased income), then it is necessary to adjust the program so that it can cover the financial needs of the family. By the way, untimely updating of data very often serves as a legitimate refusal to pay compensation. This is especially true in cases where the beneficiary has not been changed (for example, as a result of the divorce of the spouses).

Output

For more than 20 years of work in the Russian market, PPF Life Insurance has established itself as a reliable institution specializing in providing financial protection and accumulating funds. The company offers its clients 5 programs aimed at different groups of citizens, their goals and needs. The basic conditions for each of them can be supplemented. This is one of the advantages of PPF Life Insurance. The fee is paid in equal installments within a certain period. In this case, the payment can be made directly from the site. The high speed of service concerns not only the receipt of money, but also their payment. Papers are usually reviewed within a period of up to one month.

The introduction of new legislative acts concerning the legal and economic problems of insurance confirms the increased interest in the insurance market for citizens of the Federation.

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It acts as the most important element of the market economy, therefore, issues related to various types and forms of insurance are of particular importance.

In recent years, citizens of the country, trying to protect themselves from all kinds of unforeseen situations, are increasingly turning to insurance companies.

Briefly about the company

In the Russian Federation, PPF Life Insurance was founded in 2002. At first, it firmly established its position in the insurance business and gained popularity for its versatility and high quality of service.

The company is dynamically developing, improving the offered programs and mastering new ways of service using information technologies.

It implements insurance programs through brokerage firms, banks, retail chains and agency channels. The authorized capital of the company at the beginning of the year is 240 million rubles.

The main directions of the company's activity as of January 2015 were:

in case of death, survival to a specific age;
with regular insurance payments as annuity, the possibility of taking part in obtaining the investment income of the insurer;
in case of accidents, for rehabilitation after an illness;
in case of retirement.

Its own network consists of local branches of the company, of which there are about fifty on the territory of the country.

What are the advantages

The main advantages of an insurance company include:

providing financial protection for life and health. The company makes insurance payments agreed with the insured promptly in accordance with the terms of the contract;
accumulation of funds, allowing you to receive guaranteed payments after the expiration of the due period, together with additional investment income accrued by the company;

The program provides capital formation in the form of additional pension payments resulting from the company's activities. The policyholder sets the amount of pension savings on his own during the execution of the contract.

making payments in excess of insurance premiums, allowing to cover the costs of treatment, rehabilitation, loss of wages during illness;
provision of a guaranteed insurance amount for risks arising in the event of exposure to accidents, dangerous diseases without reducing the basic amount insured. It is paid when the policyholder lives up to the period specified in the insurance contract;
deliverance from payment of contributions, if the insured has completely lost the ability to work, then he is exempted from paying contributions in the future, although the contract will be valid until the due date specified in it;
making a comfortable contribution, that is, it can be paid in installments - every year, once every six months, every quarter, or immediately. The policyholder has the ability to systematically build up capital without difficulty;
the implementation of a tax deduction, the conclusion of an agreement by the insured for a period of at least 5 years, allows him to receive a social deduction from personal income tax in the amount of 13% from the paid amount of insurance premiums;
making the preservation of funds that are not subject to confiscation, seizure, cannot be divided upon divorce of the policyholder;
a special order of inheritance, when the insured passes away from life, the payment is made to the person appointed in the contract or to his heirs. It should be noted that the entire insurance amount that the policyholder intended to receive upon the expiration of the term is subject to payment;
the implementation of an accelerated procedure for payments, if the insured has passed away, then when the package of documents is submitted to the insurance company, the insurance payment is made within 14 days;
investment of funds allows you to make a profit, since the company's activities are regulated by the Central Bank of the Russian Federation, the possibility of bankruptcy is excluded.

Insurance reserves placed in securities allow for a reliable, stable income guarantee.

PPF Life Insurance programs for individuals

Several options for programs developed by the insurance company "PPF Life Insurance" specifically for its potential clients. They allow you to protect the high standard of living of the insured.

Generali PPF Life Insurance is an insurance company, the main focus of which is the issuance of personal insurance. The services of the company include both insurance for individuals and legal entities. Until recently, the company had a different name - "Czech Insurance Company". Today it has a huge network of offices in many countries.

What makes the company stand out from others? The main difference is the narrow profile of insurance, which includes all known types of personal insurance: against diseases, accidents, property insurance, financial losses, layoffs, etc. That is, the company covers all possible areas of personal insurance. This increases the interest of consumers as to a company - a specialist in a narrow profile.

At the initial stages of development, the company was only a small branch of a huge "insurance monopoly", from where it then isolated, becoming independent. The company emblem depicts a winged lion, which symbolizes safety and reliability. I consider him a symbol and patron of the UK.

Reviews about GENERALI PPF Life Insurance (Generali PPF Life Insurance)

PPF Life Insurance clients declare that all employees of the company are exclusively competent in the matter of personal insurance. All information they provide is 100% accurate. They are not trying to confuse customers or chasing the goal of selling more insurance to get a premium. A real idyll reigns in the company and European reliability is felt.

There are also negative reviews about the company. But they are left by former disgruntled employees who are trying to "annoy" the recent management.

Regarding payments, reviews for the most part indicate that everything is made in accordance with the conditions that are stipulated in the contract, all payments reach their customers. Although there are people who refute this information, stating that payments are made in an inappropriate way, despite the insured events.

Pros: the company provides a wide range of personal insurance services. There is a fraud protection system that protects customers from employee misconduct. Everyone who applies to the company has the right to leave a complaint, which is then considered by the management. There is an impressive capital for development and expansion.

Minuses: despite the already established positive image of the company, sometimes there are attempts to cheat on the part of the staff. Newbies may not always be able to provide proper advice on customer issues. There are rumors about the difficult payment of insurance benefits.

Overall impression: the company looks very average. Even isolated responses about non-payments make you think.