Life insurance raiffeisen life. Raiffeisen life insurance company: insurance programs
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Nina Rating: 1 Negative feedback 04/03/2017 at 15:15
When I came to write an application for termination of the Raiffeisen Optimum program, on the 2nd working day after the conclusion, I was informed that my contribution would be returned to me only after 2 weeks, and not IN FULL, but minus the tax deduction. They said I need to go to the tax office and draw up a receipt. Disgrace, did not expect such disgrace from Raiffesen Bank.
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Nina Rating: 1 Negative feedback 04/01/2017 at 18:47
Don't get caught. Subscribed to the Raifazen Optimum program. After carefully reading the documents, everything turned out to be not as rosy as the manager had painted. Everything is muddy and, most importantly, it is not clear what I will actually get and whether I will be able to return everything invested, especially the policy for such a long period. I didn't think that such a divorce could happen in such a bank. I am urgently writing an application for termination!
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Alexander Negative feedback 04/14/2016 at 17:01
In 2014, they closed a loan in Raiffeisen, at that moment the manager began to offer us to save money. She was very convincing, she described how wonderful the Raiffeisen Optimum program was, that in two years we would get our money back and also get 10% of the amount paid. We are fools "were led. In two years we paid 54,000. After two years it turned out that it was possible to return only after five years, and even then not the entire amount. It turns out that in five years we pay 126,000 rubles, and only 110,000 rubles will be returned to us. But the problem is that we cannot continue to pay, since we were counting on only 2 years and in the end we will most likely not get anything at all. the power of speech is lost. In general, people Raiffeisen Life is a solid LOCHOTRON. Please, people, if you do not want to lose your money and spend your nerves, bypass this scam (Raiffeisen) side and do not "get fooled" by the bright prospects of accumulating money, you just give them this to scammers.
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Irina Rating: 1 Negative feedback 02/18/2016 at 23:50
In 2008, she took out a loan in Raiffeisen to buy a car - she repaid the loan ahead of schedule, everything was fine until 2013: in the branch on ul. Barclay had an excellent manager who always advised profitable terms... But, the office was closed and a new one was opened, also on the street. Barclay, but another house is not the point. After talking for 4 years with an excellent manager, I was very happy and confident in the bank. In December 2013 I ...
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Helena Rating: 1 Negative feedback 08/16/2015 at 08:35
I was really bred for money in Raiffeisenbank under the Raiffeisen Life (insurance) program !!! Initially, I invested money on the condition of receiving income / investment, I did not think to insure myself, I wanted to invest money as savings for children, and the manager offered me this "wonderful" program under a contract. Life insurance", they say, you will receive investments (he also provided a table of investment growth) and insure your life! But at the end of the term I did not receive my hard-earned money either! I will not describe everything, it is boiling so much that I cannot express it !!! I wrote a letter to Rospotrebnadzor , I was told that this is a lawsuit. As I understand it, this is another investment. But will it be true ?!
I consider it my duty to warn every gullible person - do not go to this bank, you will burn yourself !!!
On November 23, 2018, he took out a loan from Raiffeisen Bank. Participation in the insurance program "The most important ultra family" was named as one of the conditions of issuance. In terms of payment - the contract implies an annual payment of 10,990 rubles. Payment mechanism - the amount is debited from the same account from which it is debited monthly payment on a loan (and I have it appointed on the 19th day of each month). Which, of course, is more than this amount.
The employee agreed that in order to extend the program for a year, it would be enough to transfer this amount to the write-off account in a year, and if this does not happen, the program will be stopped.
A month before the end of the program, at the beginning of October, I asked the manager in the application chat if the amount would be debited from the account "in minus", since I did not want to continue its operation. The manager replied that only a positive amount is being debited, therefore, nothing will happen.
On November 24, 2019, an SMS was received stating that the program was stopped. It was also said there that it can be extended if paid until December 24. To be honest, I did not notice this last line in the rush.
On December 18, I transferred the amount to be debited to a credit account. Here, I beg your pardon, I will be distracted - since the end of November I have been "butting" with bailiffs who BY ERROR assigned me a recovery order Money, and blocked large amount and on my salary card at Alfa Bank, and on credit at Raiffeisen Bank. And for almost a month I had to go to them, until in the end, only on December 17, they told me that everything would be returned, Alfa Bank returned the amount, and Raiffeisen did not react in any way. There was a big minus on the credit account here, and the bailiff gave me a paper confirmation of the cancellation of the collection and a power of attorney so that I personally take it to the Raiffeisen Bank office - and then everything will be returned to me. Imagine what was going on in your head with all this. Plus the payment of taxes is also "on time".
In the end, in order to avoid a delay in payment, I borrowed money and transferred it to a credit account. At 16-40. And at 18-30 I decided to go to the application again - and saw a significantly lower amount. I did not receive notifications of debiting, and even more so, questions whether it is possible to transfer my money from my account without my knowledge. They were simply transferred to insurance.
Of course, I made a legitimate attempt to cancel this transfer operation, since the money was credited for another purpose - but I was refused with the idiotic wording "the money has already been transferred to the recipient." So what, what have been translated, this is precisely the point of canceling the translation. Here's a story. The bank, of which I am a client, does not allow me to dispose of the funds that I have just transferred to my account. Didn't even ask permission to translate.
Of course, tomorrow I will visit the bank's office, write an application for a refund, etc., but apparently, the main option is to contact Rospotrebnadzor about the direct withdrawal of funds from a private person. In view of the above-described difficult situation and the bank's frankly disregarding attitude, the situation has really hurt.
Raiffeisen Life 12/19/2019 19:33
Dear Customer,
Under the terms of the voluntary group accident insurance program, upon signing the application, the client agrees to have the program automatically debited on an annual basis.
Your appeal was registered under the number CPL000000648500 and sent to Raiffeisenbank for consideration. You will be additionally informed about the results.
Taking care of you,
Raiffeisen Life
18.12.2019 21:35
Company response
Company response
In October 2018, upon obtaining a loan from Raiffeisen Bank, an insurance contract was imposed with a company with Raiffeisen Life. The insurance product is "Ultra family"
But that's not the point at the moment.
On November 6 of this year, the bank wrote off without warning insurance premium over the next year. Operator hotline explained that the write-off is within the framework of the contract and they cannot cancel it. But the contract can be closed, which they did.
Then a call to Raiffeisen Life, where they categorically stated that they would not return anything, and termination of the contract does not entail a return of the insurance premium, although all this happens within one operating day.
This is a matter of principle and requires an early solution. On the basis of this, the insurance company receives an insurance premium in the form of a direct write-off of funds from the debit account of an individual. in their "pocket bank", without even warning about the timing and amount of payment.
And how the bank makes a transfer without the order of the account holder and refuses to cancel it on the day of the unauthorized transaction.
I never found my copy of the contract, so I don’t even know what I was insured against, what I refused, but still I paid for it.
Bottom line: the scheme of imposed insurance and lobbying for its payment does not fit in any way with the image of the responsible financial institution... Let's see what Rospotrebnadzor and the Prosecutor's Office have to say about this.
Please use caution when contacting these related organizations.
Portal administrator 10.11.2019 18:08
Thank you for your feedback. Taking into account the refund of the insurance fee, please specify, what grade would you like to give to the SK?
Raiffeisen Life 11/07/2019 14:13
Dear Customer,
According to the terms of the voluntary group accident insurance program, by signing the application, the client agrees to the automatic deduction of the program participation fee on an annual basis.
The conditions of the insurance program provide for the possibility of the insured person leaving the program at any time on the basis of an application.
Based on your request, the insurance participation fee has been refunded to your account.
In addition, we would like to inform you that you can get a copy of the insurance contract, if necessary, by contacting Raiffeisenbank.
Taking care of you,
Raiffeisen Life
06.11.2019 23:47
Company response
Company response
Good day!
I have been a client of Raiffeisen Life for over 8 years, and have used the programs endowment insurance life from 18 years.
I completed one and opened the next. I see a lot of sense in this ..
But there are moments in life that are not associated with disability due to health, but, on the contrary, with pleasant events such as the birth of children .. And leaving maternity leave..
in income, I naturally fell, but continued to save from family budget... Already delays began to appear, and they called me, reminded me, asked .. even then everything was somehow humanly ..
And then the divorce, decree and obligations that were formed at the time good income and absence financial literacy... I was forced to close the program and pull out the redemption amount in order to close the costs at the moment.
I wrote a statement with tears, knowing that I wanted to send this 1 million to a good Anglo-American school for my daughter.
How did the insurance company behave?
My process was handled by Kh-na Yulia and K-va Marina, and I want to express my deep gratitude for their patience and for their prompt approach. Yes, there are payment regulations ..
But I just asked .. I asked for specific numbers to help get the amount .. and I had it. I asked 100,500 stupid questions about tax deductions and so on, I was provided promptly with all applications, answers, and I did not feel that since I was no longer a client, they scored me and were busy with current issues. It's so rare ..
I will definitely return to a good level of income and open new programs for children in Life.
thanks for sharing this difficult period .. and supporting 🙏🏼
Raiffeisen Life 10/16/2019 10:45
Dear Customer,
Thank you for sharing your feedback and personal experience in purchasing endowment life insurance programs. We hope that soon you will be able to confidently form targeted savings for children again, which will help them to ensure a successful start in life even in the event of unforeseen circumstances.
We are very pleased that you noted the competence and attentive attitude of the employees who participated in resolving your issue.
We will do our best to continue to meet your expectations in terms of the provided service and insurance programs.
Taking care of you,
Raiffeisen Life
16.10.2019 9:46
Company response
Company response
I want to express my very bad opinion about the Bank's Insurance Company !!! In February, my mother suddenly died. Prior to that, she took out a loan with insurance of 800 thousand. From the date of death, the Bank did not suspend the loan, a frantic%, a penalty, a delay of about 60 thousand,
I turned to the department to consult my situation, to which the employees answer me with great confidence that I need to collect Required documents For payout insurance compensation... I am in a position up to 9 months. Pregnancy ran around collecting documents, worn out all the nerves, because the staff, incompetently advised me. In general, in the end, the insurance company refuses me, referring to the autopsy report, there was ethyl alcohol 0.69% in the blood. Moreover, it is written in the act that Mild Intoxication IS NOT THE CAUSE OF DEATH !!! DIAGNOSIS "LIVER CERROSIS". And the blood could contain alcohol from drugs !!
For the Bank, the death of a person is not an insured event. Terrible. Employees do not know the product at all, just to sell it without demand at all, to get a bonus for it, deceiving customers. For what I ran for six months, collected documents, if in the end they made a refusal. Why did they not reconsider my claim, review my appeal again, pay special attention to the Autopsy Report (clauses 2.2, 2.3, 2.4), where the cause of death is clearly spelled out !!
Mom still had a loan of 500 thousand in another bank, also with insurance. The bank recognized it as an insured event and paid compensation. Although, the clauses in your contracts are the SAME TERMS. And where is the justice ???
Dear clients, I advise you, in no case, do not take out these senseless insurance, paying for them not in a small amount. Be sure to check the loan agreement and read what you are signing, now the employees do not even inform the client, they silently draw up insurance and that's it, or they confront the fact that they won't give a loan without insurance. All this is a lie!
You will not wish your enemy, Find yourself in such a situation, suddenly lose your own mother, being pregnant, and Stay with a small child in debt 850,000, having nothing to do with this loan. After all this, there is no desire to go to Raiffeisen, And advise the Bank to people. They left a terrible impression.
Portal administrator 01.10.2019 8:34
Thank you for your feedback! Let's wait for the response from the UK.
11.11.2019 We are very sorry that you are in such an unpleasant situation. Unfortunately, we cannot set off the assessment, since the SK operates under the Insurance Contract. Your review remains publicly available to other users.
Raiffeisen Life 10/02/2019 9:18
Good day,
First of all, let me express our sincere condolences for the loss of a loved one.
Based on your feedback, we have re-examined medical documents and made an additional request to medical institution to clarify the data.
After receiving them, the case will be considered again. We will inform you about the results additionally.
»Launches voluntary programs health insurance"Standard of Health" and "Standard of Health Plus", created with the support of "UNIQA Group", which has many years of experience in the field of international health insurance.
New programs offer clients expanded medical coverage. In particular, when diagnosing serious diseases, IC Raiffeisen Life will undertake the organization of inpatient treatment and cover all medical expenses. The advantage of new products is a well-chosen set of risks *.
In addition, the programs include the treatment of serious diseases in both Russian and European clinics. Under the "Standard of Health" program, the limit of insurance coverage is 2 million 113 thousand euros per insurance year. The extended package "Standard of Health Plus" also provides for the possibility of receiving a one-time payment of one thousand euros in case of diagnosis of a stroke or myocardial infarction and payment and booking of tickets in economy class to the place of treatment and back.
A client under the age of 60 can become a participant in both programs. All you need to do is contact any branch of Raiffeisenbank. The cost of the Health Standard program is 5,500 rubles per year for children and 15,000 rubles per year for adults, the Health Standard Plus program for children is 8,000 rubles per year, for adults - 25,000 rubles per year ... The contract for any program is concluded for one year with the possibility of further prolongation.
“More and more Raiffeisenbank clients seek to undergo treatment abroad, and now, if serious diseases are discovered, they are guaranteed to receive the highest quality treatment by choosing a clinic in Europe or Russia at their discretion. A sufficiently high coverage limit allows the client to be sure that, no matter what, all his personal financial assets will remain protected, ”says Roman Karandin, Head of Bank Insurance Department at Raiffeisenbank.
“The problem of support in the event of a diagnosis of serious diseases or the need for organ transplantation is actively discussed all over the world,” says Daria Zhukovskaya, head of the insurance product development group at Raiffeisen Life. - And, although the support from the Russian state in this area is significant, people strive to have their own resources to provide immediate and high-quality treatment in Russia or in other countries. The uniqueness of our product is due to the wide scope of its insurance coverage. At the same time, the "Standard of Health" program can be long-term financial protection in case of deterioration of health in the future. "
More detailed information about the programs of voluntary medical insurance "Standard of Health" and "Standard of Health Plus" can be found on the official website of the company " Insurance Company Raiffeisen Life.
Raiffeisenbank JSC is a subsidiary of Raiffeisen Bank International AG. AO Raiffeisenbank ranks 13th in terms of assets based on Q1 2015 results (Interfax-CEA). According to Interfax-CEA, Raiffeisenbank ranks 6th in Russia in terms of funds from individuals and 9th in terms of loans to individuals based on the results of the 1st quarter of 2015.
Raiffeisen Bank International AG is a leading corporate and investment bank on financial markets Austria and the countries of Central and Eastern Europe. In Central and Eastern Europe, Raiffeisen Bank International operates an extensive network of subsidiary banks, leasing companies and a wide range of providers of other specialized financial services in 15 markets. About 54,700 employees of the bank serve 14.8 million customers in more than 2,900 branches, most of which are located in Central and Eastern Europe. Raiffeisen Bank International is a fully consolidated subsidiary Raiffeisen Zentralbank Austria AG (RZB), owning about 60.7% common shares listed on the Vienna stock exchange, the rest of the shares are in free float. RZB is the central institution of the Austrian Raiffeisen Banking Group, which is the largest banking group in the country and acts as the head office of the entire RZB Group, including Raiffeisen Bank International.
LLC SK Raiffeisen Life operates on the basis of a license to carry out insurance C No. 4179 77, issued Federal Service insurance supervision on July 3, 2009, as amended on February 1, 2010, July 9, 2010, August 23, 2012 and August 6, 2014. The company offers a wide range of life and health insurance products, is a member of the Association of Life Insurers and the All-Russian Union of Insurers and is one of the top ten market leaders (according to the website).
"UNIQA Group" is the leading insurance group in Austria, Central and Eastern Europe with a market share of about 22%. It serves over 10 million clients in 19 countries. The company has two strong brands - Raiffeisen Insurance and UNIQA, which provide the basis for further growth... UNIQA Group operates in 16 countries with the highest growth prospects and also operates insurance in Italy, Switzerland and Liechtenstein.
* The coverage includes cancer and cardiovascular diseases, heart, lung, liver and kidney transplants, etc. More detailed description insurance risks, the full scope of insurance coverage subject to applicable exceptions, applicable deductible, insurance payment limits and other terms of the insurance contract are specified in the insurance certificate, in the insurance program (Appendix No. 1 to the Insurance certificate) and in the relevant policy conditions. Participation in insurance programs is voluntary. AO Raiffeisenbank acts on behalf of IC Raiffeisen Life LLC on the basis of an order agreement 06/01/2010 dated February 8, 2010, general license of the Bank of Russia No. 3292.
In the branches of Raiffeisen Bank, insurance can be obtained for almost all types of products: financial, medical protection and life insurance for people who receive a loan from Raiffeisen. Only in two areas is insurance provided only in Raiffeisen Life: against an accident and against a fatal illness.
In the first case, the amount of contributions and the amount of coverage is determined based on the age, gender of the client and general health. In the second - maximum payout is 1 million rubles for the detection of cancer, coronary diseases, stroke or heart attack. In the first 2 months, the amount is not paid, this is considered a waiting time. Contributions are calculated individually, under standard conditions they are equal to 0.1%.
Citizens who have suffered from certain illnesses, the list of which is attached to the contract, is not subject to insurance.
Life insurance for mortgages and other loans
At Raiffeisen, life and health insurance is the most frequent request for a loan and mortgage, which is voluntary.
Separate projects apply for each type of loan:
- Borrower's life insurance consumer credit to Raiffeisen. The risks include death and disability due to illness or an unforeseen event. In such circumstances, SK Raiffeisen Life assumes the client's debts and settles accounts with the bank so that neither the victim nor his relatives bear financial expenses in a difficult situation. The contribution is defined as 0.0281% of the loan amount.
- Credit card. Similar risks are included. Cost - 0.0845% of the card limit.
- Mortgage. The tariff is assigned individually, according to the client's characteristics: 0.08-3.11%. Taking out a mortgage in Raiffeisen, life insurance is a significant advantage for the borrower. This allows you to get a loyal attitude of the bank by lowering the degree of risk for it associated with possible non-payments on mortgages due to unforeseen events. It also protects family members who do not need to pay the mortgage if the borrower dies.
- For a car loan: 0.19% or 0.29%, depending on the area of coverage. It should be noted separately that insurance of OSAGO is not carried out in Raiffeisen.
Health insurance
Health insurance in Raiffeisen Life is provided in two areas: Standard of health and Standard Plus.
Upon detection of a dangerous or fatal disease (tumors, cardiovascular), as well as, if necessary, perform heart surgery or organ transplantation, the insured can count on help:
- Organization of treatment in clinics in Europe and Russia;
- Possibility to choose an institution;
- Compensation for material costs associated with the course of treatment (based on reports and invoices);
- One-time payment of the entire coverage amount (for the Plus project).
The extended insurance program in Raiffeisen Life also provides compensation for air travel and diagnostics.
The insurance is carried out by Raiffeisen Life in cooperation with UNIQA IG, which has international experience health insurance and own medical institutions in Austria.
Financial insurance
Financial insurance in Raiffeisen implies the formation of savings in order to ensure future stability.
It works according to the following rules:
- The insured specifies the period of validity (survival).
- Regularly transfers contributions (the amount and frequency is assigned independently).
- At the end of the term, he receives the entire amount of savings and additional income formed by investments.
- In case of death or loss of working capacity, the insured person or his family receives 100% of the amount.
There are four insurance options in Raiffeisen Life, working under these conditions:
- Kinder: savings are intended for a child up to a certain age, regardless of the client's survival;
- Optimum: only from an accident;
- Perspective: payment of 100% due to death, 200% due to unforeseen circumstances.
In the bank, insurance services are represented by a whole range of various programs - protection of life and health, credit or credit card, real estate. There is even investment insurance to provide for the future.
Types of insurance programs
Insurance at registration and consumer loan
Many neglect it in a simple way protect yourself, looking for a benefit in the interest saved on the payment of the insurance premium. Be sure to assess all the risks - sometimes insurance can save you from much more money wasted.
Insurance in Raiffeisenbank for cash loans has a number of fundamental points and protects: partially life and health and the risk of job loss.
To get paid insurance premium, follow simple rules.
Study the insurance conditions in the loan agreement
Since Raiffeisen works with many partners, and the terms of the agreement depend on specific circumstances, the contractual obligations for each borrower are individual, the tariff ranges from 1.5 to 6%.
Finding and analyzing an insurance contract is the first task. After that, it will become clear whether you can claim full compensation, partial or not receive any money at all. Don't forget to look into credit agreement and clarify about rate increases in case of canceled insurance.
Familiarization period and terms
Insurance return procedure
In the case when there is a chance to count on monetary compensation, the procedure is simple - you are in free form or write an application addressed to the head of your insurance company to terminate the contract and return the insurance premium, where you indicate:
- The numbers of their contracts (both credit and insurance);
- Contact details;
- Grounds for claiming the amount (it is better to refer to a specific clause of the insurance contract).
- Requisites where to transfer money.
The accepted term for consideration of the application is 10 days, unless otherwise provided by the agreement.
Another 10 days are taken to transfer funds from the moment the person is excluded from the list of insured persons.
If the decision is positive, notify your bank of the results on the same day remotely (by phone, via chat) and duplicate the information by registered mail with notification to avoid penalties.
Conclusion
Raiffeisen does not provide travel, property and auto insurance. The main directions are: ensuring the life of the bank's borrowers on inappropriate loans and mortgages, protection of health, from an unforeseen event and several projects for material support (accumulation) for different purposes. The cost of the policy often depends on the personal characteristics of the insured and the amount of coverage.
Raiffeisenbank insurance is offered to clients who want to protect themselves not only from risks Everyday life, but also financial (in the presence of a consumer loan, mortgage, from fraudulent actions on cards and accounts). The registration and conditions of insurance at Raiffeisenbank is a more pleasant procedure than the legal return of insurance (according to user reviews, the deadlines are often delayed and unnecessary documents are required). Before signing the documents, carefully study the conditions of insurance of Raiffeisenbank - this will save you unnecessary waste and save time.
When applying for certain banking products to Raiffeisen Bank, the client is often offered to go through the insurance procedure in order to avoid unpleasant consequences and unplanned costs in the event of certain circumstances. Carries out insurance Raiffeisen Life - an insurance company that provides personal, financial and some other types of insurance services.
Types of insurance in Raiffeisen Life
In the branches of Raiffeisen Bank, insurance can be obtained for almost all types of products: financial, medical protection and life insurance for people who receive a loan from Raiffeisen. Only in two areas is insurance provided only in Raiffeisen Life: against an accident and against a fatal illness.
In the first case, the amount of contributions and the amount of coverage is determined based on the age, gender of the client and general health. In the second, the maximum payment is 1 million rubles in case of detection of cancer, coronary diseases, stroke or heart attack. In the first 2 months, the amount is not paid, this is considered a waiting time. Contributions are calculated individually, under standard conditions they are equal to 0.1%.
Citizens who have suffered from certain illnesses, the list of which is attached to the contract, is not subject to insurance.
Life insurance for mortgages and other loans
At Raiffeisen, life and health insurance is the most frequent request for a loan and mortgage, which is voluntary.
Separate projects apply for each type of loan:
- Life insurance of a consumer loan borrower in Raiffeisen. The risks include death and disability due to illness or an unforeseen event. In such circumstances, SK Raiffeisen Life assumes the client's debts and settles accounts with the bank so that neither the victim nor his relatives bear financial costs when they find themselves in a difficult situation. The contribution is defined as 0.0281% of the loan amount.
- Credit card. Similar risks are included. Cost - 0.0845% of the card limit.
- Mortgage. The tariff is assigned individually, according to the client's characteristics: 0.08-3.11%. Taking out a mortgage in Raiffeisen, life insurance is a significant advantage for the borrower. This allows you to get a loyal attitude of the bank by lowering the degree of risk for it associated with possible non-payments on mortgages due to unforeseen events. It also protects family members who do not need to pay the mortgage if the borrower dies.
- For a car loan: 0.19% or 0.29%, depending on the area of coverage. It should be noted separately that insurance of OSAGO is not carried out in Raiffeisen.
There is also comprehensive insurance from job loss and from accidents. Affects only projects of inappropriate loans at Raiffeisen Bank.
Health insurance
Health insurance in Raiffeisen Life is provided in two areas: Standard of health and Standard Plus.
Upon detection of a dangerous or fatal disease (tumors, cardiovascular), as well as, if necessary, perform heart surgery or organ transplantation, the insured can count on help:
- Organization of treatment in clinics in Europe and Russia;
- Possibility to choose an institution;
- Compensation for material costs associated with the course of treatment (based on reports and invoices);
- One-time payment of the entire coverage amount (for the Plus project).
The extended insurance program in Raiffeisen Life also provides compensation for air travel and diagnostics.
The insurance is carried out by Raiffeisen Life in cooperation with UNIQA SG, which has international experience in health insurance and its own medical institutions in Austria.
Financial insurance
Financial insurance in Raiffeisen implies the formation of savings in order to ensure future stability.
It works according to the following rules:
- The insured specifies the period of validity (survival).
- Regularly transfers contributions (the amount and frequency is assigned independently).
- At the end of the term, he receives the entire amount of savings and additional income generated from investments.
- In case of death or loss of working capacity, the insured person or his family receives 100% of the amount.
There are four insurance options in Raiffeisen Life, working under these conditions:
- Kinder: savings are intended for a child up to a certain age, regardless of the client's survival;
- Optimum: only from an accident;
- Perspective: payment of 100% due to death, 200% due to unforeseen circumstances.
Conclusion
Raiffeisen does not provide travel, property and auto insurance. The main directions are: ensuring the life of the bank's borrowers for non-targeted loans and mortgages, protecting health from an unforeseen event, and several projects for material support (accumulation) for different purposes. The cost of the policy often depends on the personal characteristics of the insured and the amount of coverage.
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