Good evening. I have been a client of the wonderful Alfa Bank since 2008. I would like to note that I am not an ordinary client, but a VIP client. I have recommended all my acquaintances and friends for many years and will probably continue to recommend them to become a client of this bank.
My attitude towards the bank deteriorated a little after May 2017.
In 2009, I signed up an Alfa Insurance-Life “Children’s Account” (ASJ) agreement with Alfa Bank (number No. 06312/556/002583/9), regularly paid all fees under the agreement 2 times a year, on May 6 and November 6. All payments were made at Alfa Bank, in Belyaevo.
In order not to take the contract with me every time, the then manager made a template in the program and I paid according to the template.
The next payment on May 6, 2017, I hit “pay” and a week later I called Alfastrakhovanie to clarify the possibility of depositing funds. The call center told me that there is a grace period (40 days) for making the next payment, and I was “pleasantly” surprised that my contract was terminated unilaterally in 2011 for failure to make the next payment and a letter was sent to me at the registration address (I had different addresses when drawing up the contract and in 2011).
Of course, I didn't receive any letter.
After repeated attempts to contact the manager of Alfa Insurance-Life (ASH), I was finally offered to write an application to receive the redemption amount at the time of termination of the contract and plus all amounts paid after that, and this is for 6 years, or to write an application to renew the contract, but without guarantees .
After that, I felt deceived and after such a boorish attitude from the manager and employees of the Alfastrakhovanie call center, I decided to contact Alfa-Bank, since the contract with me was terminated due to the incorrect indication of the contract number in the payments by a bank employee. From 2009 to 2011, all payments have the correct contract number, after that - in some 8 digits, in some - similar, but all are incorrect. The deputy manager of the Belyaevo branch suggested that I write a statement. Since Alfa Insurance lost my trust, I wrote a statement asking for the return of the entire amount I paid under the contract, compensation for damage (the ruble has depreciated by half), to find the culprits and punish them. I wrote the application on May 25, 2017, on June 7 it was registered with Alfastrakhovaniye (for almost two weeks no one could give me an answer). I wrote a complaint on the Alfa Bank website regarding the timing.
Finally, on June 30, I received a message that there was a decision on my application. I contacted the bank and received a decision made on June 16 that Alfastrakhovanie was offering me what the ASJ manager had offered me.
As I understand it, Alfastrakhovanie disclaims responsibility for the mistake of Bank employees and this is called partnership relations. After this, I do not advise all my friends to use Alfa Insurance products.
After the response from the ASJ, I still feel deceived and abandoned by a VIP client of Alfa Bank. I was forced to write this review because the bank employees threw up their hands, and I hope that the senior bank employees will solve my problem, make the right decision and reconsider their partnerships. And I hope I will remain a client of Alfa Bank for many more years.
AlfaStrakhovanie Group is one of the largest Russian insurance companies with a universal portfolio of services, including both comprehensive programs for protecting business interests and a wide range of insurance products for individuals. Under the license, the company offers more than 100 products, including life insurance products.
The AlfaStrakhovanie Group unites AlfaStrakhovanie OJSC, AlfaStrakhovanie-Life LLC, AlfaStrakhovanie-OMS LLC, AlfaStrakhovanie Medicine LLC. The AlfaStrakhovanie Group is part of the financial and industrial consortium Alfa Group (Alfa Bank, Alfa Capital, A1, Rosvodokanal, X5 Retail Group N.V. and others).
"Alfa Health Center" - a project of a network of medical centers launched by the AlfaStrakhovanie Group in 2009, provides high-quality medical services to residents of 12 cities of Russia: Moscow, Nizhny Novgorod, Yekaterinburg, Tyumen, Rostov-on-Don, Kirov, Saratov, Samara , Yaroslavl, Murmansk, Perm, Berezniki.
AlfaStrakhovanie is widely represented in the regions of Russia: about 400 regional representative offices carry out insurance activities on the territory of the Russian Federation. The Group’s services are used by more than 22 million private clients and 435 thousand companies.
AlfaStrakhovanie is one of the top five leaders in the open insurance market and the compulsory health insurance market. At the end of 2014, AlfaStrakhovanie Group strengthened its market position. The Group's collections amounted to 149.3 billion rubles, share - 6.3%, fees excluding compulsory medical insurance at the end of the period amounted to 58.4 billion rubles, market share - 5.9%.
The largest corporate clients and partners of AlfaStrakhovanie are: Coca-Cola, Danone, Henkel RUS, Hyundai, Metro Cash & Carry, Nokia Siemens Networks, S7 Airlines, Yokohama, X5 Retail Group, Rossiya Airlines, Yakutia Airlines, Aviation transport company "Yamal", "Avilon", "Alfa-Bank", Airport complex "Domodedovo", "Aeroflot", "Bashneft", "Volgotanker", "VimpelCom", "Eurosib", "VTB24", "Euroset", "Information satellite systems" (ISS) named after academician M.F. Reshetnyova", "Kommersant", "Komsomolskaya Pravda", "Magnitogorsk Iron and Steel Works", Vnukovo International Airport, Sheremetyevo International Airport, Metalloinvest, Norilsk Nickel, Sberbank of Russia, Sibur, Sodexo Eurasia", "Svyaznoy", "Orenburg Airlines", "Otkritie", "Rocket and Space Corporation "Energia" named after. S.P. Korolev", "Raiffeisenbank", "Rosselkhozbank", "RusHydro", Federal State Budgetary Institution "Scientific Research Testing Center for Cosmonaut Training named after Yu.A. Gagarin", FSUE "State Corporation for Air Traffic Management in the Russian Federation", FSUE "Space Communications", "TNK-BP", "Uralsib", Ural Airlines", IDGC Holding, "Enel OGK-5", "Energostroy", E.ON Russia, Unicredit, UTair and others.
AlfaStrakhovanie Group has a reputation as a reliable and stable company. Today, AlfaStrakhovanie Group meets its obligations with the own funds of several companies with a consolidated authorized capital of more than 8.5 billion rubles.
In March 2015, the international agency Fitch Ratings confirmed the financial strength rating of the insurer (FSR) AlfaStrakhovanie at the level of “AA-” on the national scale and at the level of “BB” on the international scale. The ratings outlook is “Stable”. In April 2015, the leading Russian rating agency Expert RA confirmed the highest reliability rating A++ assigned to the AlfaStrakhovanie Group in 2003 (“Exceptionally high level of reliability”, rating outlook “Stable”). In 2015, RAEX (“Expert RA”) assigned AlfaStrakhovanie OMS the maximum rating of reliability and quality of services A++. The agency's experts assessed the quality and stability of the company's work at an exceptionally high level. In May 2015, AlfaStrakhovanie passed international certification and received a certificate of the international quality management system ISO 9001-2011.
The high reliability of insurance operations is supported by reinsurance programs in the largest companies in the world - Munich Reinsurance Company (Munich Re), Swiss Reinsurance Company (Swiss Re), Hannover Reinsurance Company (Hannover Re), SCOR (SCOR), Cologne Reinsurance Company (GenRe), in Partner Re (Partner Re), as well as Lloyd's of London corporation
During 2014 - 2015 The work of AlfaStrakhovanie Group has been recognized with a number of professional awards and prizes. For the eleventh year in a row, the company’s managers have secured their leading positions in the authoritative annual ranking “TOP-1000 Russian Managers,” a joint project of the Russian Managers Association and the Kommersant Publishing House. AlfaStrakhovanie became the winner of the National Business Award “Company of the Year 2014” in the “Insurance Company” category and the laureate of the “Captains of Russian Business” national business award in the “Business Reputation” category. The company won the E-Travel Navigator professional award in the “Online Insurance” category. Also, AlfaStrakhovanie became the only insurance company that was included in the Russian employer rating Universum Top 100 2014, published by Universum, a leading international company in the field of HR branding. “Expert RA” recognized “AlfaStrakhovanie” as the leader in the financial risk insurance market, and the Company became the winner of the “RuStrahovka Awards” in the category “Insurance company with the widest range of products provided on the website.”
Since October 1, 2010, Alfa-Bank has become an Internet acquirer of the AlfaStrakhovanie company. Now holders of plastic cards of any banks will be able to buy an insurance policy for those traveling abroad on the company’s website. Thanks to the Internet acquiring project with Alfa-Bank, today this service is available on the AlfaStrakhovanie website to everyone who has a plastic card, regardless of the issuing bank.
In order to issue an insurance policy from the AlfaStrakhovanie company without leaving your home, you need to complete three steps that will take no more than five minutes. You need to fill out the insurance policy order form on the company’s website, pay for the ordered document with a plastic card and print out the electronic form of the AlfaTRAVEL policy, which will be sent to the email address specified in the application. A unique feature of the AlfaTRAVEL online service is the ability to independently restore a document in the event of its loss.
Internet acquiring is one of the priority business segments. We are very pleased that our services make our clients' products more accessible to a wider range of consumers. The project with the AlfaTRAVEL company is another step in this direction, says Igor Arefiev, Head of the e-commerce department of the Retail Business Block of Alfa-Bank.
“We strive to make our service as comfortable as possible for clients, offering the most convenient ways to issue insurance policies,” comments Alexander Gamygin, Director of the Client Service Department at AlfaTRAVEL. - The emergence of the AlfaTRAVEL Internet service was a logical step towards the formation of a simple and convenient system for ordering a health insurance policy for those traveling abroad. In order for everyone to be able to use the AlfaTRAVEL service, we decided to revise the terms of payment for ordering an electronic policy. Now holders of plastic cards of any banks will be able to pay for the AlfaTRAVEL service online.”
Thus, AlfaStrakhovanie strives to optimize the insurance system for travelers abroad due to the growing demand for tourism services. Compared to 2008, the AlfaStrakhovanie company's fees for insurance of people traveling abroad increased in 2009 by almost 57%. In 2010, demand for travel health insurance is expected to continue to grow.
Depending on the version of the AlphaTRAVEL program, the insurance policy may reimburse medical transportation, payment for emergency dental care, legal assistance, transportation costs, etc. The AlphaTRAVEL type depends on the duration of the trip, the territory of insurance and insured risks. In total, AlfaStrakhovanie offers 6 different program options: from AlfaTRAVEL MINIMUM for short-term trips with a minimum set of risks to AlfaTRAVEL MULTI for multiple trips with an extended risk package.
Alfa Bank founded in 1990. Alfa-Bank is a universal bank that carries out all main types of banking operations on the financial services market, including servicing private and corporate clients, investment banking, leasing, factoring and trade finance.
At the end of the 2014 financial year, according to financial statements (IFRS), the total assets of the Alfa-Bank Banking Group, which includes Alfa-Bank JSC and subsidiaries of financial companies, amounted to 43.6 billion US dollars, the total loan portfolio - 28.1 billion US dollars, total capital - 4.3 billion US dollars. Net profit for the first half of 2014 amounted to 33 million US dollars.
As of December 31, 2014, Alfa-Bank services approximately 162.2 thousand corporate clients and 11.4 million individuals. 804 branches and branches have been opened in Moscow, regions of Russia and abroad, including a subsidiary bank in the Netherlands and financial subsidiaries in the USA, Great Britain and Cyprus.
AlfaStrakhovanie Group unites AlfaStrakhovanie OJSC, AlfaStrakhovanie-Life LLC and AlfaStrakhovanie-MS LLC. The consolidated authorized capital is more than 5.5 billion rubles. AlfaStrakhovanie Group is part of the financial and industrial consortium Alfa Group (Alfa-Bank, Alfa Capital, TNK-BP, A1, Rosvodokanal, X5 Retail Group N.V., Altimo, STS Media and others ).
Under the license, the Group offers more than 100 insurance products, including life and accident insurance products. In Russia, insurance activities are carried out by more than 380 regional representative offices. The Group's services are used by about 1.5 million private clients and more than 100 thousand companies. It has an international financial stability rating from Fitch and the highest reliability rating of A++ from the Expert RA rating agency.
At the moment, the AlfaStrakhovanie company, reviews of which are easy to find on the Internet, is one of the largest insurers in the country. It has a huge range of services, so anyone can find an offer that suits them, for example, life, business, car insurance, etc. If a private person wants to protect his life and health, he will be able to choose from a huge selection of offers, for every budget and for all possible circumstances. The most popular insurance programs are for car owners, as well as comprehensive life and health insurance packages, including for the whole family or for travel.
In 1992, the insurance company AlfaStrakhovanie opened its doors for the first time. Since then, reviews about it have not ceased to thunder in the media and the Internet, because the company has branches in almost every locality in Russia, and the range of its offers is almost limitless. The AlfaStrakhovanie company includes the Alfa Group consortium, which also includes Alfa-Bank, Vimpel-Com, X5 Retail Group, TNK-BP, Megafon and other giants.
There are AlfaStrakhovanie OJSC and Alfa-Strakhovanie-Life LLC: these two companies with similar names merged, and the result was the AlfaStrakhovanie company. User reviews do not single out one of the subcompanies, because their areas of activity differ: AlfaStrakhovanie-Life deals exclusively with life insurance of various types. At the same time, the total authorized capital of the company is more than 2.5 billion rubles, and the number of representative offices has exceeded 350.
If you are interested in the Alfa Insurance company, the reviews will also tell you about the highest security of investments. In 2003, the enterprise was awarded an A++ reliability rating, which the Expert agency gives quite selectively, which says a lot. An insurer with such a rating undertakes to pay all money due to the client even in the event of economically difficult periods of its activity. The company is supported by many banks, for example, Raiffeisen Bank, Moskommertsbank, Trust, MDM Bank, Alfa Bank and many others. In addition to these achievements, AlfaStrakhovanie is a member of the Anti-Terrorist and Russian Nuclear Insurance Pools, and participates in the work of the All-Russian Union of Insurers and the British Chamber of Commerce and Industry. In 2008, the company was recognized as the best in the “Result and Success” category, and was also awarded an international financial stability rating.
If you want to use the services of the AlfaStrakhovanie company, reviews from real people will help you decide on specific service packages. Among the companies that have entrusted themselves to AlfaStrakhovanie are Aeroflot, Wimm Bill Dann, Russian Railways, ID Kommersant, KMB-Bank and many others. In addition, the company employs people who have many regalia and diplomas, and its staff regularly wins in the ratings of directors of various professional areas. The quality of customer service received awards in 2007 and 2008 in a number of categories.
The work of insurance companies is based on the norms of industry legislation and the Basic Legal Act of the country. Policies are now issued for almost everything that, in the general sense, has value.
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But nothing has yet been recognized as more important than human health, so the AlfaStrakhovanie company has created many work areas in the medical field.
What it is
AlfaStrakhovanie's VHI programs are a range of health care services offered by the company as a supplement to compulsory health insurance.
The VHI policy covers expenses that are not included in compulsory medical insurance and guarantees that the insured will receive a full range of services for the period specified in the contract. It’s safe to say that AlfaStrakhovanie’s VHI programs are more profitable than concluding a standard insurance contract.
The sum insured usually significantly exceeds the cost of the policy.
General list of programs
Over the years of its work, the AlfaStrakhovanie company has created many medical programs that can be classified according to the following indicators:
- business programs;
- PDMS for individuals;
- VHI programs for legal entities.
Comprehensive programs are focused on providing a full package of medical services. These include almost all PDMS for business and corporate clients.
Specific VHI programs are created for single insurance cases. For example, the Alphaklesch program, which covers the costs associated with the treatment of encephalitis.
Business programs
In business, both corporate and individual VHI programs can be used. It all depends on how many people need to be insured and how many insured events will be included in the policy.
Entities of a business group can issue policies in the context of the following PDMS:
- “money for health”;
- "alphaglobality yougenio";
- "alpha health center";
- "voluntary health insurance program
alpha insurance for travelers"; - PDMS "alpha mite";
- "alphaglobality cogenio".
Medical insurance is issued for a period of 1 year.
Programs for legal entities
The AlfaStrakhovanie company makes it possible to insure health on a voluntary basis to corporate clients, as well as their relatives.
The following programs exist for them:
- "alphaglobality cogenio";
- "alpha health center";
- "medicine while traveling"
Legal entities are more likely than others to take out voluntary health insurance policies.
Corporate clients can use the programs provided for business, as they offer insurance in an individual and comprehensive manner.
Programs for foreigners
When taking out medical policies, foreigners have equal rights with other insurance subjects. They can use the travel insurance program when applying for an entry visa or choose any other program created for individuals. persons
Foreigners living permanently or for some time in the territory of the Russian Federation who want to use the medical services of local institutions must take out compulsory insurance.
But this does not apply to temporary residents. Detailed information on insurance for citizens of foreign countries can be found in federal industry instructions and laws.
Advantages of AlfaStrakhovanie VHI programs
A policy issued under the program makes it possible to cover the costs of treatment for the insured person. Its main advantage is that it guarantees the provision of qualified medical care.
Advantages:
- individual approach for each group of clients;
- taking into account all the wishes of the insured person;
- provision of a full range of medical services;
- the opportunity to be treated by the best doctors and first-class clinics;
- 24/7 telephone support;
- the ability to make changes to the terms of the insurance contract;
- the provincial voluntary medical insurance program alpha insurance basic provides the opportunity to receive adequate medical care in the regions of the country;
- speed of policy issuance;
- medical protection anywhere in the world thanks to the use of alpha VHI programs created for foreigners and travelers;
- wide range of options for corporate insurance;
- a wide range of programs and a wide network of regional representative offices of the company;
- having its own network of medical clinics;
- a large number of insured clients;
- centralized medical examination;
- good conditions for insurance of public sector employees.
The advantages of alpha insurance voluntary health insurance programs, which are not at all characteristic features of compulsory policies, were listed above.
More information about the benefits and features of alpha PDMS can be found in the VHI Rules.
Description of comprehensive health insurance programs
AlfaStrakhovanie's comprehensive VHI programs are designed to ensure that the client receives a full range of medical services. They are designed for the occurrence of several insurance events.
Comprehensive policies usually cover:
- outpatient and inpatient services;
- emergency care;
- dental care;
- consulting support;
- fare.
Payments of insurance amounts can be made no more than once a month. Complex programs have three tariff plans: classic, plus and maximum. They all differ in the volume of services provided and the size of payments.
Alpha Globality GoGenio program
The comprehensive Alpha Globality GoGenio program is three-module (the policy covers costs associated with outpatient care, dentistry and inpatient care).
Insurance subjects: teams with at least 5 employees. Medical care is provided in clinics stipulated by the contract.
Payment - in cash, followed by 70% compensation of the price of services (if this is an economy option). The cost of the program is in the range of 18,000 – 85,000 rubles per year.
The package of services under the Alpha Globality YouGenio program is selected for each client individually. Subjects: individuals, company employees who go abroad for work, leisure or study.
International travel policies cover the following expenses:
- medical;
- transport;
- associated with other insurance risks.
Alpha TRAVEL program
"Alpha TRAVEL" is a comprehensive voluntary health insurance program.
It exists in two forms:
- for short-term trips (sum insured ranging from 10,000 to 100,000 dollars);
- for long trips (sum insured can be 30,000-100,000 dollars).
The cost of insurance depends on the length of stay abroad. For example, a trip to Australia for 5 days will cost about 4,000 thousand rubles.
Travel insurance is valid for less than 1 year. Money is provided exclusively for the treatment of diseases provided for in the contract.
Outpatient services
The Outpatient Program covers the following expenses::
- related to diagnostic and treatment appointments with doctors;
- procedures and therapeutic manipulations;
- diagnostic studies.
The price of outpatient services depends on the chosen program. Usually this is a quarter of the cost of the full package of services (approximately 4,500 - 20,700 rubles).
The insurance amount is paid after the occurrence of the insured event stipulated by the contract.
Ambulance and emergency medical care
Ambulance and emergency medical care are not mandatory conditions of comprehensive programs.
Such insurance covers the following expenses:
- related to transporting a patient to a doctor or to a hospital to provide primary care in an emergency or accident;
- provision of emergency assistance on site by SSP;
- the cost of used medications and dressings.
Ambulance and emergency care may be included in comprehensive VHI programs or be part of inpatient and outpatient care provided for in the insurance contract.
The extracted cost of providing services usually does not exceed 10,000 rubles, even if we are talking about classic programs. The procedure for insurance compensation is standard (with consideration of copies sent by e-mail within 10 days).
Dental care
The Dental Assistance Program covers the following services:
- appointments with dentists;
- cost of diagnostic testing;
- expenses associated with therapeutic treatment and surgery;
- cost of dental materials;
- aesthetic dentistry services.
The cost of this program is rarely calculated separately, and depends on the total price of the selected PDMS. If dental care is included in a three-module insurance, then its cost can range from 6,000 to 27,500 rubles.
Emergency and planned inpatient care
The insurance covers the following expenses:
- related to transportation and placement in the ward;
- diagnostic costs, as well as the cost of medical and nursing care;
- related to surgical treatment, chemotherapy and treatment of cancer;
- the cost of drugs, dressings and non-drug treatment;
- related to the treatment of mental disorders.
This VHI program provides coverage for expenses associated with the stay of relatives in the hospital, outpatient psychotherapy, subsequent rehabilitation and hospice care.
The cost of emergency and planned care is usually included in the package of comprehensive VHI programs. How much money it will take up depends on the type of insurance and the amount of assistance provided. You can count from 5000 rubles.
Description of specialized programs
Specialized PDMS provide coverage for the cost of medical services that are not included in the general list.
They can be classified depending on the specific circle of insurance entities and target orientation.
For example, the AlphaKlesch program covers only those costs associated with the treatment of encephalitis.
The elements of comprehensive health insurance policies are specialized. For example, the AlphaGlobality CoGenio program includes outpatient clinical, inpatient, dental care, as well as ambulance and emergency care.
Comparative Cost
When choosing an insurance company, not the cost of the programs, but its rating, experience in the insurance market and user reviews should be the determining factors. Unreasonably cheap policies are a risk.
There is a possibility that the insurer will not create sufficient reserves to fulfill obligations. The cost of voluntary health insurance programs always depends on their type, the volume of medical care provided and the number of insurance cases provided for in the contract. The level of the company and the presence of foreign guarantors for fulfilling obligations also affect the minimum price of the policy..
| Comparison table for the cost of VHI services | Companies "Alpha |
Insurance" | "Agreement" |
| "RESO-Garantiya" | Programs Program VHI includes classical serviced program by choice and comprehensive (in this case it is paid |
Programs about 70% of expenses). VHI includes 4 directions: outpatient clinic, stationary, dental care and integrated |
"RESO-Garantiya" service. VHI: "Doctor RECO" "Aibolit" "Emergency help", "Pregnancy and childbirth" "Protection against tick-borne |
| encephalitis." | Price From |
Price 18,000 to 82,500 rubles |
Price 7,000 to 79,300 rubles |
20,000 to 122,000 rubles
Video: Is corporate voluntary health insurance necessary?.