Sample application to Sberbank for the return of insurance. Rosgosstrakh sample application for payment of insurance compensation. Features of submitting an application for insurance payment to Sberbank

But not everyone knows that an issued insurance policy can be canceled and the money returned. And it’s not at all difficult to do. Next, we offer a detailed analysis of this procedure, and also provide a sample application for the return of loan insurance from Sberbank.

Credit insurance - basic provisions

Credit loan insurance is a service aimed at minimizing risks that may arise during the process of repaying funds. You need to understand that the bank itself is not engaged in this type of activity. He only acts as an intermediary in drawing up an agreement between the client and the insurance company. The duration of the policy is equal to the term of payment of the debt. Monthly loan payments also include the cost of insurance. The higher the loan amount, the higher the price of the insurance policy. Sometimes it reaches 15% of the loan volume.

Banks use a trick, adding a commission to the amount, which they charge in their favor. Simply put, the borrower pays for the insurance just like a regular loan. And it often happens that the accumulated interest turns out to be greater than the insurance premium itself.

It should be noted that you will not be able to get the bank commission back. Only the insurance portion is subject to payment. Therefore, you need to study the agreement being concluded in detail before signing it. This will avoid unnecessary overpayments. In addition, a credit institution does not have the right to impose insurance if we are not talking about the subject of bank collateral. Loan insurance applies to the following cases:

• disability;
• serious disease;
• getting injured;
• job loss;
• theft, damage to property;
• death.

When receiving a loan to purchase a car, the bank has the right to require only the execution of a citizen’s liability agreement, the so-called CASCO and life insurance. A mortgage loan is accompanied by the conclusion of a transaction to protect against damage to the collateral property. Other types of voluntary insurance are not provided here and bank employees have no right to impose them.

Return conditions during the cooling-off period

Banking organizations persistently offer their clients to pay for insurance when receiving a loan. Situations where refusal of a “profitable” offer entails the inability to obtain a loan are not uncommon. Most citizens are unaware that insurance is a common service that can be refused. In legal parlance, this is called a “cooling off period.”

The law, in force since 2016, establishes a period within which the client has the right to declare a desire to terminate the contract; it is 5 days. At Sberbank, the cooling-off period is extended to two weeks (only work days need to be counted, “red” calendar dates are not taken into account). During this time, you need to have time to submit documents to the company to the insurer or bank.

If the client repays the loan within the terms established by the loan agreement, his relationship with the insurance company ends. Therefore, you will not be able to receive compensation. But if you repay early, there is a possibility that the funds paid will be returned. However, there are some nuances here too. Sometimes insurers indicate in the contract that the refund amount should not be less than half the cost of the service. Since the insurance is calculated in proportion to the loan term, it will be possible to receive 50% compensation by repaying the debt before half the term expires.

Refusal of loan insurance is quite legal. If the client submitted an application within the established five-day or 2-week period, the service must be canceled and the money returned. However, it is not always possible to receive funds. Some insurance products are not subject to a cooling-off period. This applies to medical insurance for persons who are not residents of the Russian Federation or traveling outside the country, as well as CASCO insurance. You cannot refuse to insure real estate if the bank loan is intended for its purchase. This is one of the conditions for obtaining a mortgage loan.

The cooling-off period law provides for the impossibility of terminating group insurance contracts. What does this term actually mean? In fact, the credit institution purchases the insurance service for itself, and the borrower simply joins it. Simply put, the client himself may not notice that he has become the owner of “non-refundable” insurance. However, here Sberbank is a pleasant exception. The collective agreement in this organization is not a basis for rejecting a return application.

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Instructions on how to return insurance on a Sberbank loan. Sample application

Since insurance is a voluntary act, in most cases you can reject the offer immediately. But what if the lending conditions in the presence of a policy turn out to be more favorable? You can resort to a trick and notify about your desire to refuse insurance after the agreement with the insurance company has been concluded. For this purpose, it is necessary to collect documents such as:

In case of early repayment, they are accompanied by a bank certificate confirming payment of the loan, receipts and checks. An application for the return of insurance, drawn up according to the sample below, is attached to the package of documents.

A sample application for refund of insurance in case of early repayment of a loan is as follows:

1. In the upper corner on the right are the details of the insurer's company, its name and location.
2. Below you must provide the details of the insured person in full.
3. The title of the document is indicated in the header: “Application for the return of the insurance portion of the loan.”
4. The text of the application must contain information about the loan agreement (number, established validity period).
5. The following indicates the cost and amount of insurance.
6. It is also necessary to formulate the reasons for the return and indicate the corresponding grounds (articles of law).
7. The application should include details of the account to which the money will be transferred.
8. Below they indicate the date, contacts for communication, and put a signature with a transcript.

The application and documents are submitted to a Sberbank credit specialist, who is obliged to accept and endorse them. Papers can be sent by registered mail via mail, making an inventory of the attachment. The application must be duplicated, keeping a second copy for yourself. The unused portion of the amount must be transferred to the specified account after the expiration of the month. Employees of an insurance company or bank are required to tell the client how to write an application for refund of loan insurance. A sample of the required document can also be found on the Sberbank website.

It is permissible to declare a desire to return the insurance part of the loan at any time while the loan agreement with the bank is valid. Therefore, do not rush to terminate it after early payment. However, even if the contract has already been closed, it is possible to receive part of the insurance premium through the court. The statute of limitations for such cases is 3 years.

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What to do in case of refusal

Neither banks nor insurance companies, unfortunately, are interested in losing part of their profits. Therefore, they are extremely reluctant to return funds. Citizens encounter bureaucratic delays already when submitting an application. If the manager refuses to accept the papers, you should contact his superiors. If justice is not achieved in this way, you can send a complaint to the Central Bank of the Russian Federation or the prosecutor's office.

The imposition of services is not encouraged by law, and insurance in exchange for a favorable interest rate on a loan can be regarded as such. You should complain about such injustice to Rospotrebnadzor. This organization will not help you return the money, but the recorded fact of the appeal will become an argument for the court. In addition, if there are strong arguments, the bank will be subject to an administrative penalty.

In case of receiving an unjustified refusal from the insurance company, the client has the right to apply to arbitration with a corresponding claim. Of course, such a step makes sense if the amount due is large enough to cover the costs. There is no point in starting a lawsuit over a couple of thousand. If the case takes a judicial perspective, it is better to enlist the help of an intelligent lawyer.

Conclusion

To top it off, I would like to mention a few more nuances that borrowers should be aware of. You can only receive compensation under existing contracts. After early repayment, part of the insurance premium is paid only to bona fide bank clients. If there was a violation of financial discipline, that is, payments were made late, insurers have the right to refuse such a client. Even if they paid the necessary fines to the bank, such situations are considered an insured event. You also need to know that the returned funds are equal to income, so tax will be withheld from them when calculated.

The standard application form for the return of loan insurance at Sberbank can also be used for other credit organizations. But the procedure for submitting documents is somewhat different. Sberbank has a subsidiary insurance company, the services of which are used by the majority of clients of this financial organization. Therefore, the application can be submitted through a credit manager. In other cases, it is better to address this issue directly to the insurance company.

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Documents for receiving insurance compensation

On March 1, 2009, the law on direct compensation for losses under compulsory motor liability insurance (DPL) came into force. This means that in the event of an accident, the victim can apply for compensation for losses both from “his” insurance company and from the insurance company of the person at fault.

• Insurance contract and receipt for payment of insurance premium;
• Identity document;
• Vehicle registration certificate and/or vehicle passport;
• Driver's license (temporary permit);
• Power of attorney for the right to drive a vehicle;
• Notarized power of attorney for the right to represent interests and (or) receive insurance compensation;
• Marriage certificate (change of surname);
• Application for insurance payment;

• A power of attorney to represent the interests of a legal entity or a statement certified by the seal of the beneficiary;
• Leasing agreement and transfer and acceptance certificate;
• Lease contract;
• Waybill;
• Letter of administration, indicating bank details, certified by the signature of the manager, chief accountant and the seal of the organization (original);

How to fill out an application for insurance benefits

The accident occurred (date and place of the event) under the following circumstances: (briefly: who was moving where, what traffic lights or what signs, etc.). As a result of the accident, they were damaged (list of damage to the car according to the accident certificate), in addition, hidden damage was discovered during inspection (list of damage found during inspection). As a result of an accident, a car (not running or not approved for operation in accordance with the rules of the road).

Rosgosstrakh sample application for payment of insurance compensation

Rosgosstrakh is the largest company of its kind in the Russian Federation, offering its clients more than 50 types of products.

In cases of damage to property or health, monetary payments are made. To do this, you need to download an application for payment of insurance compensation from Rosgosstrakh and draw up your own according to the sample.

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Only citizens of the Russian Federation can apply for insurance:

• OSAGO, CASCO policy,
• health insurance,
• accumulative,
• property insurance,
• life and health insurance,
• reinsurance, business insurance, especially dangerous objects,
• programs for people traveling abroad, etc.

Regarding agreements before 1992

then compensation deductions for pension, children's, wedding, mixed insurance can be received by persons who entered into an agreement before January 1, 1992 and did not receive redemption amounts before this date.

Documents required to receive compensation payments

Conclusion of an independent technical examination* (drawn up in accordance with the current legislation: vehicle inspection report, damage calculation, photo tables, expert documents), confirming the amount of compensation required by the victim (original or copy, certified by a notary or the expert organization that conducted the examination).

*The conclusion of an independent technical examination must comply with the requirements of Bank of Russia Regulation No. 432-P “On a unified method for determining the amount of costs for restoration repairs in relation to a damaged vehicle”, Bank of Russia Regulation No. 433-P “On the rules for conducting an independent technical examination of a vehicle.”

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Features of submitting an application for insurance payment to Sberbank

Payment in the event of an insured event occurs only after the documentation issue has been resolved. One of the main tasks is to correctly fill out an application confirming the current situation and interest in providing financial support from a specialized company.

Time frame for resolving an existing issue

SK Sberbank LLC considers any insurance cases on an individual basis, using a standard scheme defined by law. For this reason, the deadlines for informing about the event that occurred and submitting the established package of documents must be observed.

If an incident occurs, you should contact Sberbank within three working days. At this time, you need to submit an application for insurance payment to Sberbank Life Insurance. The written statement should set out all the real circumstances and features of the situation.

As a matter of urgency, not only Sberbank, but also the competent authorities should be informed about an insured event (diagnosed fatal illness, serious injury or death). Moreover, when an appropriate case occurs, a number of requirements must be met, on which the possibility of receiving financial support depends. Such requirements are established in the insurance policy, which defines the rights of each party, the insured and the insurer.

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Within fifteen days, you should collect the established package of documents and transfer it to specialists. Before making a payment, it is mandatory to draw up an act confirming the possibility and expediency of transferring a certain amount.

Basic requirements for documents

SK Sberbank LLC considers applications that are supported by documents. In this regard, you should submit not only a correctly completed application, but also documents confirming the circumstances:

• original medical report from doctors;
• a certificate or epicrisis to confirm the presence of health problems;
• original sheets confirming temporary disability (if available);
• any other medical documents confirming the fact of injury or an acute form of illness, a diagnosed fatal disease with a full diagnosis, terms of expected treatment, prescribed examinations and treatment measures;
• in case of death, relevant documentation is required from the authorized bodies (registry office, medical institution).

Only if you have the appropriate package of documents is it possible to confirm the occurrence of an insured event. They must be accompanied by the passport of the insured person, a copy of the current contract, bank details for carrying out all the necessary procedures and the possibility of receiving the amount due. If the death of the insured person is declared, a certificate of the right to receive an inheritance must be presented indicating all heirs who have the legal right to receive payment.

Features of filling out and submitting an application

A sample application for insurance payment to Sberbank Life insurance is used regardless of the specifics of the situation. The form is universal, making it easier to resolve documentary issues. You can get it from the link at the end of the article.

The application includes the following information about the applicant and the recipient (the insured person or his heir upon the death of the client of the insurance organization) of the financial payment:

• Full name (in capitals, in full);
• citizenship (one or more);
• place and date of birth;
• TIN of the Russian Federation;
• details of the identity document;
• contact details (phone number).

It is important to note that the document can be submitted by a foreign citizen, therefore the following optional items are additionally included:

• number of a valid migration card;
• the period during which you can stay in Russia;
• information about the document confirming the right of temporary stay in Russia.

Foreign citizens are required to fill out the three above items. The information provided allows you to resolve issues related to insurance issues, acting on behalf of the insured person.

In addition, the following items must be completed:

• characteristics of the health status and the corresponding category of the insured person on the date of registration of the policy;
• event (death or disability);
• the exact date when the insured event occurred;
• a detailed description of the reasons and circumstances in which the incident occurred.

It is important to note that the description of the circumstances must be reliable. In this case, the information presented should be confirmed by additional documents. To receive insurance payment, fill out the following items:

• full name of the banking institution and its branch;
• contact details (address and landline telephone number);
• bank identification number;
• bank accounts used;
• current account of the payee;
• number of the plastic bank card used.

To receive payment, all of the above items and details are required to be filled out. In this case, only reliable information without any clerical errors or typos that corresponds to the field being filled out is allowed. At the same time, it is provided that in a free form in the application for insurance payment to Sberbank Life Insurance, a clause regarding a detailed description of the circumstances under which the insured event occurred is filled out.

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If there are injuries, you should promptly seek medical help, and if a fatal disease is diagnosed, you should begin to follow medical recommendations. Only with a confirmed insured event can you expect to receive a financial payment.

The timing of payment of the established amount depends on the speed of filing the required application with a package of documents and consideration of the application. Most often, all financial issues are resolved within five to fifteen days, and payment is made only after a positive decision is made by the insurer. SK Sberbank Insurance LLC is a reliable organization in the Russian insurance industry, therefore the protection of the interests of each of its clients is guaranteed.

A sample application for insurance payment from Sberbank life insurance can be obtained from this link.

Application for insurance payment SberBank

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In recent years, there has been an increase in demand for loans from the population, even despite the devaluation of the ruble. Accordingly, the number of insurance issued is also increasing. The insurance period corresponds to the period for which the loan is issued.

Loan insurance is refundable if the insurance contract is terminated or the borrower fulfills its obligation ahead of schedule.

Not all citizens make such a demand: many believe that their time and effort will be wasted. But it is possible to return loan insurance, you just need to know how and in what cases this is done. This is a simple procedure that will not take much time.

The concept of the insurance part of the loan

The insurance part is a service added to the cost of the loan. Its goal is to minimize the borrower’s risks when repaying the debt to the bank.

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Please note: the offer to conclude such an agreement comes from the bank, but it is drawn up by the insurance company.

Typically, the objects of insurance are the borrower's property, transport, or his life and health. The cost of the policy is most often distributed proportionally between monthly premiums. Banks often use one trick: they include in the cost of the loan the amount of the insurance commission (the institution keeps these funds for itself) and the insurance premium (the insurance company receives this money). And the first component is often several times higher than the insurance premium. To avoid falling into this trap, carefully read the contract to the end - this clause determines the size of the insurance portion of the loan that can be received back. The bank usually does not refund commissions.

Types of insurance at Sberbank

The insurer in this institution is the Sberbank Insurance company. She offers a choice of 2 packages of services when applying for a loan: “Head of Family” and “Protection of Loved Ones.”

Only the first tariff (“Head of Family”), which provides for comprehensive insurance, directly concerns the borrower:

• life of the client (in case of his death);
• his health (if he receives disability groups I-II);
• employment (in case of job loss).

Early repayment of a Sberbank loan

Let's consider an example of insurance return, which will be fair for any bank.

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This condition is specified in the insurance contract. Refund is a logical procedure, since the service was not actually provided. To realize this intention, you need to visit the bank, where you write a corresponding application.

The bank has the right to independently set the deadline for satisfying the client’s request (usually it ranges from 30 days).

In turn, the client awaiting consideration of his claim can use this time to his advantage. After all, using other people's money involves the bank charging interest.

The amount of such savings is determined by the current Central Bank refinancing rate. It is advisable for the client to state his intentions in the application submitted.

Refunds are transferred to the account specified by the client.

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Return Application

The lender himself will offer the citizen who applies to the bank to write a similar application according to the existing sample. The client will only need to enter personal data and other information into the form, such as the number and date of conclusion of the contract. But to save time, you can download the form online, print it, fill it out and take it with you.

The application should begin with coverage of the conclusion of the consumer loan and end with the rationale for the request and a direct call for the return of the funds due to you. Describe your actions in case of refusal by the bank.

It is necessary to indicate the date of drawing up the contracts (credit and insurance), their numbers, and name both parties who took part in this. Then name the amount stipulated and actually received and the funds transferred as a contribution to the insurance company. Mention what period was allocated for the loan. Indicate the date you fulfill your loan obligations, the amount of the repaid debt and the established interest.

What amount is refundable?

Only those who have not yet used it can count on receiving the full cost of insurance. But there is also one condition here: the loan must be repaid in the first month of the term stipulated by the agreement.

Other cases will be carried out according to a different scheme. Let's say a loan issued for 36 months was repaid after 24 months.

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It turns out that the actual use of the insurance company’s services was 2 years, so only the amount for the remaining period is refundable.

Insurance premium refund process

The first step is preparing the necessary documents. If the loan agreement was concluded less than 14 days ago, you will need a minimum set of:

2) agreement on the provision of credit funds;

3) insurance policy.

If the loan has already been repaid ahead of schedule, you will additionally need checks, receipts confirming monthly loan payments, and a certificate of early repayment.

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Then you need to fill out an application for a refund of the excess paid. With a prepared set of these papers, you should contact a Sberbank branch.

The lending manager will accept the application, date it, and endorse it with his signature and seal.

If this bank employee does not want to accept the application, you must require a written reasoned refusal.

The review period lasts a maximum of 30 days. When the application for insurance payment on the loan is approved by Sberbank, the details specified in it will be useful for transferring the unused premium. If the insurer of your loan agreement is Sberbank Life Insurance LLC, you will need to fill out an application for termination of the relevant agreement.

Denial of request

Let us summarize the information presented above. The insurance portion of the loan cannot be returned in two cases.

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The first situation is that the client has fully repaid the loan, complying with the provision on monthly payments. This gives grounds to believe that the insurance contract has expired along with the last amount paid. In other words, the time has expired during which the risks under the loan agreement were insured. A paid Sberbank loan does not allow the insurance to be returned.

The second situation is the presence in the signed insurance contract of a clause stating the impossibility of early termination.

Satisfying requirement

All other situations allow the borrower to withdraw the money paid. This is also possible in two cases.

The first example is this: a citizen has concluded both contracts (credit and insurance). But, after a few days, he realized that the insurance was imposed on him, or decided that there was no need for it. You need to do the following: take the contract and find information about the possible period for its termination without penalties. Most banks allow 30 days for this, but Sberbank only 14. The countdown begins from the moment the agreement is signed.

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The second case is early repayment of the full cost of the loan. This entails a proportional reduction in the insurance period for the loan taken. That is, if the client repays the loan twice as quickly, he should be returned half of the insurance premium. Please note: the loan agreement may contain a condition that it is impossible to return a smaller amount (50% of the insurance).

Going to court

Some banks do not return funds, including interest on the loan and insurance, citing the fact that they were not used due to early fulfillment of debt obligations. Such conditions may be provided for in an agreement signed by the borrower applying for the loan. You can change the situation in your favor by going to court.

Employees of this authority are mainly guided by the provisions of the Civil Code of the Russian Federation, which allow the collection of money only for existing loans, and the unused part is ordered to be returned to the client. But there are also courts that in their decisions profess the principle of freedom of contract, and, if there is a non-refund clause in this document, take the side of the bank. In any case, you should try to get your money back.

Borrower mistakes

Many borrowers study the agreement superficially, or simply show ignorance, believing that issuing such a policy is a prerequisite for granting a loan. But the Civil Code of the Russian Federation recognizes only insurance of the collateral as an integral part of this procedure. All other types of insurance are voluntary and can be waived when receiving a loan.

As for insurance, this can be done even after the fact, having already concluded an agreement, which very few people also know.

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Remember, when applying for a loan, the words of managers should not be given much importance. But it is simply necessary to carefully read the agreement before signing it. It clearly states all your rights and obligations, and the clause regarding the insurance part is also present there.

An important point: the loan agreement is drawn up in two copies. The second of them, with the seal of Sberbank, must be handed over to the borrower personally by the manager. If this does not happen, contact the branch where you received the loan with a request to issue the missing documents.

A guarantee of return of insurance is the presence in the loan agreement of a clause on such a possibility.

Often the bank manager tries to delay as much as possible in accepting the application, arguing that the person is busy or is not in charge.

In order for the case to move forward, require a written refusal on the first day. With this approach, the responsible person is usually found immediately.

After early payment, do not rush to terminate the insurance contract. The balance of the premium due to you can only be returned under a valid contract.

You can track the movement of funds in your Sberbank account by connecting to the Mobile Bank service or registering with Sberbank Online.

Therefore, it is in your best interest to read the terms of the contract as carefully as possible.

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FAQ

Is it necessary to fill out the text of the policy?

Yes. The text of the policy must be filled out by the Policyholder whose cards will be insured.

What should I do if I made a mistake in the full name or address of the insurance object when filling out the insurance policy?

If, when filling out the policy offer, an error was made in the name of the Policyholder (not a completely different name/address, but a really obvious mistake), then you need to notify the insurance company about this using a statement (“due to an error made in the policy, please consider true."). The application must be sent to the address: Moscow, st. Pavlovskaya. d.

Does the payer need to sign the policy?

The policy does not require the signature of the Policyholder.

Do I need to submit any documents to the insurance company after purchasing a policy?

No, you don't need to do this.

Is it possible to terminate the insurance contract and return the insurance premium?

You can terminate the insurance contract.

• A 100% refund of the premium is possible if termination documents are submitted within the first 14 calendar days.
• in the event that the probability of occurrence of the insurance risk has ceased (refunds are made in proportion to the period remaining until the end of the insurance contract.
• In case of unilateral refusal of the insurance contract after the expiration of 14 calendar days from the date of entry into force of the policy, but no refund of the insurance premium is made

How to terminate an insurance contract?

Within 14 calendar days, you need to visit the Sberbank office and fill out a standard application form for termination of the insurance contract. In the Application, you will need to indicate the bank account details (recipient’s personal account and bank BIC) to which the insurance premium refund amount will be received. You must also have with you:

• passport of a citizen of the Russian Federation
• box with insurance documents
• check for payment of insurance premium.

As the 2nd option: To terminate the insurance contract, within 14 calendar days you need to send a letter to the insurance company with a Termination Application. Address for sending the Application:

st. Pavlovskaya 7, Moscow, (the documents are the same as when submitted through a bank branch)

The Application must indicate:

• Full name of the Applicant;
• passport details of the Applicant;
• contact details of the Applicant (telephone and/or email address);
• number of the insurance contract and the date of its execution;
• bank details (recipient's personal account and bank BIC) to which the insurance company can transfer insurance premium funds.

Be sure to indicate them, otherwise the insurance company will not be able to return the insurance premium to you.

Please attach a copy of your passport and a copy of the document confirming payment for the policy to the Application.

The refund period is no more than 7 working days from the date of receipt of the Application by the insurance company.

Is it possible to terminate an insurance contract? (I decided that I no longer need it/don’t use the card anymore, etc.)

Yes, the insurance policy is subject to termination, but a refund of the insurance premium is due if the claim is made within 14 calendar days (until the policy comes into force). Those. When submitting an application after the start of the policy period (starting from the 15th calendar day of the date of payment of the insurance premium), termination is possible without refund of the insurance premium. (in this case, we inform you that termination is inappropriate.)

Upon termination, can I provide bank details of any account?

Yes, you can provide details of any account/bank card of any Bank or Sberbank. books

What happens if I lost my payment receipt?

The payment transaction is linked to the payer's full name and policy number. You need to contact the branch of Sberbank PJSC where the insurance premium was paid to receive a statement of the transaction.

You can also request an account statement from SBOL (Sberbank Online). It contains information for which service the money was written off.

I have lost/lost my insurance policy, what should I do?

You need to send a letter by email. The letter must include an application addressed to IC Sberbank Insurance LLC with your handwritten signature and date of writing with a request to restore the lost policy. The application must contain the maximum information that you have about the lost insurance policy (number, date of purchase), as well as the mailing address for sending a duplicate.

In what territory is the property insured?

The policy is valid on the territory of the Russian Federation.

Can I pay for the policy (insurance contract) in installments?

No, there is no installment plan for paying the insurance premium.

What happens if I pay the premium and write another person as the policyholder, or I can pay for the box and enter another person’s data into the Policy.

According to the terms of insurance, the Policyholder must be the payer of the insurance premium.

Do I have a franchise in my contract?

No, the product does not include a franchise

Can property be insured for less than a year?

The policy is valid only for 12 months.

Will my salary card be insured?

If the card was issued by Sberbank PJSC, it will be insured.

I have a student bank card which is also a debit card. Will she be insured?

If it is issued by Sberbank PJSC, then it will be insured.

My card is an additional card, and the main holder is my dad (any other person). Will only the money on my card be insured? Or will the primary holder's card and all cards issued in addition to it be insured as well?

Funds on additional bank cards are insured in connection with the account of the main bank card holder. Since the account holder is another person, the money for additional. cards can be insured by himself. Therefore, bank cards issued by Sberbank PJSC in the name of the Policyholder, but linked to another person’s account, are not insured.

I am the holder of the main bank card. An additional card was issued for my card, which my girlfriend (whoever) uses. Will she be insured?

Since the additional card is linked to an account opened in your name, it will also be insured.

Will the insurance amount for which the cards are insured decrease after receiving payment on my claim?

Yes, the sum insured is reduced by the amount of the payment. In this case, the insurance amount is considered reduced from the date of payment of the insurance compensation.

I bought a policy, who should I indicate in the Policyholder field?

You must indicate your full name as the Policyholder.

How many times can I contact the insurance company?

You can contact the insurance company an unlimited number of times during the validity period of the insurance contract. At the same time, payment of insurance compensation can be made for no more than three events in the event of unauthorized withdrawal of funds and theft of cash from the Bank Card Holder. For the risk “Loss of a bank card,” a limit of 500 rubles is set per 1 insured event. All payments are made within the limits of the insured amount provided for by your Insurance Policy.

In what cases can I contact the insurance company?

You need to contact the insurance company in case of loss of the card due to theft, various mechanical damage or demagnetization, as well as in case of loss due to malfunction of the ATM, in case of unauthorized withdrawal of funds from the card, withdrawal of funds by third parties.

What should I do if something happens to the card?

If a bank card is stolen, you must immediately call the Bank to block the card and report the incident to the competent authorities (OVD) and call the insurance company. The necessary actions are described in more detail in the Memo on actions in the event of an insured event. You can find it on the insurance company’s website.

Can I insure my credit card?

Yes, both debit (payment) and credit cards are accepted for insurance

Do I need a separate insurance contract for each card?

Insurance coverage applies to all cards issued by Sberbank PJSC in the name of the Policyholder, as well as additional cards issued by the Bank to the main Bank card in the name of the Policyholder himself. The cards are insured against all current risks - loss, illegal debiting of money. funds, robbery and robbery.

What to do if the card has ceased to be valid, but the insurance on it is still valid?

If one card is insured under the insurance contract, the policy ceases to be valid. In this case, you can refund part of the insurance premium in proportion to the time during which the contract was valid. If more than one card is insured, then the insurance contract continues to be valid in relation to existing bank cards issued in the name of the Policyholder at Sberbank PJSC.

How long does it take to process my claim about an insurance event? When will I receive my payment?

Within 10 working days after receiving from you all the necessary documents confirming the fact of the occurrence of an insured event, the cause and amount of the loss, an insurance certificate is signed. Insurance payment is made within 5 working days after signing the Insured Event Report.

What to do if the card is found (returned)?

You need to call us and report the discovery of the card.

If my payment is denied, how will I know?

Within 7 working days days from the moment the insurance company makes a decision to refuse payment, you will be sent a letter by mail explaining the reasons for the refusal. If the insurance company has your email address, an additional message will be sent to this address.

Is it possible for a non-resident (foreign citizen) to apply for an insurance program?

A foreign citizen may be the Policyholder.

Is the loss of cash as a result of theft (not robbery, not robbery) within 2 hours from the moment of receipt from an ATM considered an insured event?

For example: a wallet with cash withdrawn was stolen/lost in the subway

No, such an event is not covered by this insurance policy.

If scammers called, introduced themselves as a bank employee, asked to go to an ATM, dial a PIN code and carry out some other actions, which led to the transfer of money to the scammers. Will this case be covered under the “Money Protection” product?

The event cannot be considered as an insured event, because The client voluntarily took action to transfer funds.

If fraudsters called, introduced themselves as a bank employee and asked to dictate card details and PIN code, which led to the possibility of third parties committing fraudulent acts. Will this case be considered as an insurance case?

The event cannot be considered as an insured event, since you voluntarily provided confidential data about your bookmaker.

If a fraudulent action occurs in the Sberbank online system and the money is debited from the deposit. Will the protection work?

Insurance for the Money Protection product only applies to funds on a bank card. If a debit card is opened for the deposit, through which, for example, you replenish your deposit, and funds are fraudulently debited from this particular bank card, then the event can be considered, based on a set of documents, as an insurance event.

What should I do if an insured event occurs abroad - where should I go?

The insurance policy indicates international telephone numbers that must be contacted in the event of an insured event. The operator will provide full consultation in your native language.

Insurance services within the framework of the Money Protection Program are provided by Sberbank Insurance LLC (License SI No. 4331 dated 08/05/2015, address: Russia, Moscow, Pavlovskaya St., 7, floor 4)

Nowadays, many people use loans and very often banks offer clients loan insurance. But not all citizens understand why it is needed and whether it is needed at all. And also, not everyone knows that insurance can be returned after repaying the loan. This is exactly what we will consider in this article.

Why do you need insurance when lending?

Today, a huge number of loans is growing, and, accordingly, the number of insurances. But first, let's figure out what insurance is.

Insurance is an additional service that makes the borrower’s risks to the bank minimal. The main thing to take into account here is that the insurance contract is concluded by an insurance company, not a bank. As a rule, insurance covers property, transport, and the life of the borrower.

Typically, an insurance contract is concluded for the period of the loan. But sometimes banks also include the amount of the insurance premium and the bank commission in the loan, and often the commission exceeds the insurance. But few people know that insurance can be returned. Therefore, you need to read the contract before signing it.

After all, bank managers don’t talk about this, but if the loan was taken out together with insurance, you need to know your rights and obligations so that if a controversial situation arises, you will be armed.

But still, many people have a question: is insurance needed at all and why? As it has already turned out, insurance is issued by an insurance company, which, if an event occurs that fits the insurance policy, helps repay the loan to the borrower. Of course, there are different situations that apply to insurance.

Namely: health problems in the person who took out the loan, loss of work, natural disasters. But that's still not all. It’s not so simple because the bank indicates a number of cases in its agreement, so you need to read it very carefully. For a bank, loan insurance is a definite guarantor.

Because if the borrower does not repay the loan, the insurance company will be forced to repay it themselves. Based on this, there are two loan insurances: liability insurance for non-repayment and non-repayment of the loan itself. In the first type, the contract is concluded by the borrower and the insurance company, but in the second case, the policyholder and the bank.

Moreover, the percentage of compensation by insurance ranges from 50-90% of the amount of the unclosed loan. Each loan has its own insurance. This is not just like that, because the life and solvency of the client are subject to insurance.

Of course, you can get life insurance, but it is far from cheap and sometimes interest rates reach 30% of the loan amount. Therefore, in principle, you can refuse insurance and no one can force you to do the opposite. But if the property is pledged, you still have to pay.

Some banks even refuse loans to those who do not take out insurance. Some banks increase the lending rate or even increase the loan fee, so they can compensate for losses due to this. Anyone who does not agree with the rate increase cannot be forced to take out a loan.

How can a bank impose insurance without being noticed?

When applying to a bank for a loan, managers can impose insurance, explaining that it is required to obtain a loan. But let's consider whether they have the right to do so. There are some situations when insurance is simply necessary and is an integral part of lending.

These include:

• With a mortgage loan, there is also a danger of losing the apartment in case of non-payment; because of this, it is better for the borrower to take out insurance.
• Buying a car on credit. The car is pledged to the bank and in order not to lose it you need to insure it.

These are all cases in which compulsory insurance is required; in other cases it is voluntary. But, despite this, the bank may impose it in another case. Very often you can fall for this trick: if you take out insurance, the interest rate will be 25%, and if without insurance, then 30%.

And here the main thing is not to make rash decisions, because taking out a loan with a higher interest rate will be more profitable. Therefore, it would be a good idea to carefully read the loan agreement in a calm atmosphere and read all the terms, and you can also consult with a lawyer.

According to the law of the Russian Federation, insurance cannot be imposed, and if bank employees impose it, you must contact Rospotrebnadzor.

Is it possible to refuse insurance?

As has already become clear, insurance is a very expensive service for the borrower, but in some cases it is useful. Of course, the amount of insurance depends on the loan and prices of the insurance company that works with the bank. But if the borrower cannot pay the loan on time, then the insurance pays off his debt.

Insured events include:

• Loss of a job. It is only necessary to confirm with documents that the person has been fired.
• Long-term illness or death of the borrower. Documents from the medical institution are also provided.
• Accident also needs to be supported by documents.
• Natural disasters.

Insurance is a voluntary service, of course, except in cases where its registration is necessary. The client has the right to refuse it and no one should impose it. Otherwise, the borrower may contact the relevant authorities for proceedings.

Refund of insurance in Sberbank: step-by-step instructions

Let's look at cases in which insurance refunds are possible.

The borrower can withdraw the insurance premium if:

• We entered into a loan and insurance agreement. But they realized that there was no need for it. To do this, you need to find a clause in the contract that states the termination of the insurance contract without penalty. As a rule, this period is 30 days. But in Sberbank it’s 14 days. And then the entire amount will be returned.
• Another repayment case is early repayment of the loan in full. The insurance period will also be reduced. But often in the contract there is a clause where it is described that less than 50% is not returned.

But there are cases when a refund is not possible:

• If the loan was repaid on time, then the insurance contract expired on the day of the last repayment. That is, the entire insurance period has been used. Then the insurance will not be returned.
• The insurance contract contains a clause stating that early termination is unacceptable. This happens, but it means that the insurance company deceived, and the borrower did not read the contract carefully. And then the insurance cannot be returned either.

To return insurance from Sberbank, it is recommended to follow certain instructions. When the client addresses this issue within 30 days after the conclusion of the contract, the insurance amount can be returned. If you apply after 30 days, it is possible to return about 50% of the amount. You can apply for a refund within up to 3 months.

To return you must complete the following steps:

• Contact the bank where the loan was issued with an agreement and passport.
• Write a return application in two copies.
• Register the application with the bank, but it must have the date of acceptance and the signature of the employee who accepted it.
• The second copy must remain on hand.
• If the loan was repaid early, you must provide a certificate indicating that the amount has been paid in full.
• The final stage is waiting for the recalculation and crediting of the balance of funds to the account, which must be indicated in the application.

To return the insurance, you need to repay the loan ahead of schedule and, of course, carefully read the contract and understand every point.

Sample application

The return application must be submitted to the company with which the contract was concluded. There is a specific application template that must be filled out. The application, like any other document, has a “header” where the name of the bank, the address of the branch, and the details of the citizen from whom the application is given are indicated. Then the actual text of the statement.

And the text indicates when the agreement was concluded, for what loan, and also indicates the loan amount and the amount of insurance. Next you need to indicate how much money was issued. If the loan was repaid ahead of schedule, the repayment period is indicated. Well, naturally there follows a desire for the balance of the insurance funds to be returned.

The conclusion usually states that the application will be considered and a response will be issued within 10 days.

1. Insurance will be returned if it is written in the contract, so it won’t hurt to be careful when reading it.
2. It occurs when bank employees independently begin to delay the deadline for accepting an application. Usually the pretext is the busyness of the employee who is doing this. Therefore, in this case, you need to immediately demand a refusal. And with a high probability, a responsible employee will be found and will accept the application.
3. There is no need to immediately terminate the insurance contract after repaying the loan. Since it can only be returned according to the contract.
4. You can choose an insurance company yourself. It will take a little time, but you can already find out the positive and negative sides of different companies and choose the one that is more suitable.
5. It is very important to cooperate with banks whose services have already been used several times. So very often there are various discounts and bonuses for being a regular customer.
6. You can also participate in various promotional programs, because there is competition between insurance companies, and many are starting to offer favorable conditions and offers.

To protect your loan, you need to choose a good insurance company. It should provide a large selection of offers and allow you to choose the right ones. The insurance company should not impose; it can only clarify questions that are unclear to the client. Of course, it is good and even necessary to insure your loan in some situations.

After all, anything can happen and no one wants to get on their nerves. And the insurance company will help you repay the loan without unnecessary stress and worry.

Credit insurance is a targeted measure to minimize existing risks, additional protection of the interests of the creditor from an unreliable debtor, from non-repayment of debt for any reason. The terms of insurance are fixed by the loan agreement or special additions to it.

Let's consider the case of early repayment of a loan. There is clearly a basis for a full or partial refund of the insurance premium, since the insurance service was not actually used. Or they used it partially - it all depends on the time that elapsed from the date of conclusion of the agreement until the registration of the application submitted for return from the borrower.

Filling out an application to Sberbank

Sberbank of Russia is also an insurer when lending, so in this case the application is written to the bank. The easiest way to do this is on a standard form, which can be easily downloaded from the website and printed. You will need to enter specific numbers, namely:

1. loan agreement number,
2. the total documented amount of the contract,
3. one-time compensation of insurance premiums,
4. the amount received by the borrower,
5. the amount of the insurance premium (the difference between clause 2 and clause 4),
6. the amount of compensation claimed by the borrower,
7. the date when the last loan payment was made,
8. method of communication, contacts,
9. account number for transferring funds.

The application must be completed in two copies.

Further actions

• 1. Contact the bank in a timely manner with an application. You must have with you the original loan agreement (a copy is possible), a debt repayment document indicating the date of the last payment, and a passport. As an option, use registered mail with notification.
• 2. The bank must register the application with the employee responsible for incoming documents. A second copy must remain on hand indicating the date of receipt and the signature of the person who accepted the application.
• 3. After the period allotted for consideration has expired, you should contact the bank. As a rule, after a decision is made and recalculation, the balance of funds is credited to the account specified in the application.

Refund of insurance depends on the timing of registration of the application. So:

• the loan is repaid and the application is registered within 30 days from the date of signing the contract - this is the best option: all insurance is refundable.
• if the application is registered not within 30 days, but within three months, you should expect only half the amount of money, approximately 50% will be returned.
• if three or more months have passed, then the amount to be returned is calculated in proportion to the time during which the loan was used.
• If the client made an application after the loan was closed, then the insurance may not be returned, but the borrower has the right to go to court to consider the issue.
• The 13% income tax is non-refundable.

Judging by the reviews, if the client applies in a timely manner, Sberbank returns the insurance premium in whole or in part. Insurance may be refunded subject to individual conditions. One way or another, you should start by filling out an application. Download and fill out in peace of mind. A sample is attached.

Refund of loan insurance in Sberbank sample

Insurance and money

An application for refund of loan insurance from Sberbank and a sample can be found on the bank’s website. What is it for? So that in a force majeure situation you do not find yourself in a difficult situation. And you didn't have to pay a ton of penalty interest.

Let's figure out how everything happens

So you came to the bank, took the required amount for one year. They made payments regularly every month, but then ended up in the hospital or lost their job. And therefore you cannot pay the remaining amount.

Then the worst begins. For every day, penalties begin to accumulate. And your debt skyrockets. You have the money to repay, and the bank starts calling you demanding that you return the entire amount with a fine. As a result, the case goes to court, and you will most likely lose it because you refused to defend yourself. And you will have to pay for the loan, and for court services, and all the penalty interest.

Without registering with the appropriate company, all obligations fall on your shoulders. Based on this, it is not recommended to neglect the insurance company. Application for refund of loan insurance at Sberbank (a sample can be downloaded on the official website) - shows all the visual conditions. The services of an insurance policy are inexpensive, but they can protect you from unpleasant situations when the bank starts demanding money, and you will not be able to pay it.

This clause is often found in a banking agreement. If you stop depositing funds into the account, the obligations are transferred to your relatives. As a result, you add problems to your family. And it often turns out that they cannot pay either. And then it comes to collectors or the court. And all this is due to the fact that the client decided not to take out insurance.

What kind of insurance is there?

Like any financial transaction, insurance also varies. Loans are issued for a variety of purposes, and there are many advantageous offers. Also, don't forget about credit cards.

You can choose both the type of loan and insurance. If you have a dangerous job, you may be able to insure your injury at work. You have the right to make a claim for illness, job loss, insure your health and much more. The option that you consider most suitable is the one you should choose. You can register several at once - there are no restrictions.

How the contract is concluded

When you apply for a loan from a bank, you are offered to immediately obtain insurance. The bank itself or a third-party insurance company can act as an insurance agent. This process is not required, but is highly recommended. This is why some large banks have introduced mandatory insurance. This way, they make the transaction safer, not only for themselves, but also for you.

How to get back the money invested in insurance

Those who have already taken out insurance are wondering if there is a possibility of a return on the invested funds? There really is such a possibility. If the amount was paid once, then you can try to collect the rest of that amount before the expiration of the contract. Those. if the insurance was for 12 months, and six months have passed, then you can return the funds for the remaining six months.

First, you should look at the application for the return of loan insurance from Sberbank (a 2016 sample is available on the bank’s official page). Another option is to contact the bank at your place of registration, where they will tell you everything in detail and provide you with the necessary document. To write an application, you will need a passport and all documents related to contracts (both credit and insurance). It would be a good idea to make a copy of the document.

Key points in the statement

1. Registration
2. Loan and insurance agreement number
3. Account details for transferring finances

You can indicate the details of the bank where you are repaying your current loan. This does not interfere with the possibility of filing an application.

As you can see, there is nothing complicated. It is enough to spend a few minutes filling out all the data. However, in some cases additional data may still be required. It all depends on the specific bank and insurer.

In such cases, you can either run around and collect the documents yourself or resort to financial companies that will do all the work for you for a small fee.

You have every right to withdraw your money if you feel that you no longer need the services. In most cases, the procedure is simple and does not present any difficulty. Only occasionally do you have to face unpleasant situations.

If you are planning to take up this matter and return the money, then you should look at the application for the return of loan insurance from Sberbank (the form is available on the Internet resource of this bank in the public domain).

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How to get money back for insurance on a Sberbank loan

Given that all banks are actively imposing loan insurance on their borrowers, information on how to correctly refuse insurance after receiving a loan, how to return insurance if it has already been imposed, and how to return insurance in case of early repayment becomes no less important for Sberbank clients loan.

All about this in this article.

What is loan insurance

Loan insurance is an insurance product, exactly the same as compulsory motor liability insurance or property damage insurance, aimed at insuring the life and liability of the borrower to the lender (bank).

In accordance with this, if the insured borrower lost his job or disability, or life, the insurance company will be liable for his obligations to the bank.

Naturally, the cost of insurance increases in proportion to the increase in the loan amount. The insurance and banking systems as a whole are designed in such a way that none of them will remain at a loss, even if all insured borrowers become incapacitated.

What can you insure your loan against?

• getting disability
• serious illness
• job loss
• deterioration in financial condition
• death of the borrower

If you take out a consumer loan of any type (including a car loan), you will only insure your life and liability. If you take out a mortgage from Sberbank or any other secured loan, you will insure not only your life, but also the mortgaged property against damage.

Why do you need to insure your loan?

It is clear that every bank is trying to protect itself as much as possible from non-payment of loans. Especially when we are talking about Russia, where debt discipline is at a very low level, and therefore banks sell insurance of all types and other additional services to all clients. But the situation is even more cunning!

All large Russian banks themselves open their own insurance companies, which automatically become part of their holdings. And why?

The insurance business is also a very profitable business. Thus, the bank takes two skins from one client - both the loan interest for using someone else’s money and the amount of insurance for a service that is dubious from the point of view of usefulness.

Is credit insurance beneficial for the borrower?

No, it’s not profitable - the full cost of the loan immediately increases by the cost of insurance, but otherwise its usefulness is in question.

Loan insurance at Sberbank can be divided into the following types:

• from receiving 1st, 2nd and other disability groups
• from job loss
• from the death of the borrower
• property damage insurance

Cost of insurance, terms

Perhaps the most important question, besides the question of how to return insurance on a Sberbank loan, is the question, how much does all this happiness cost and for how long is the insurance issued?

The term of the insurance policy is absolutely identical to the term of the loan agreement, that is, if the loan term is 3 years, then the insurance policy is issued for 3 years.

Sberbank has both its own insurance company (Sberbank Insurance) and another 30 insurance partner companies. You can obtain a complete list of companies directly from Sberbank.

All insurance companies have completely different tariffs and interest rates, but we will focus on the Sberbank Insurance company, since it is the company that Sberbank will impose on you in the first place. You must take into account that you have the right to choose any other insurance company you like, with which Sber does not even cooperate.

• accident insurance from 0.30 to 1% of the loan cost per year + many paid add-ons to the base tariff
• life insurance from 0.30 to 4% of the loan cost per year + paid additions to the base rate
• cancer insurance from 0.10 to 1.7% + paid extras
• collateral insurance from 0.70% per year of the loan amount + paid additional fees to the base rate

Accordingly, the amount of insurance directly depends on the interest rate for the service and the size of the loan. The larger the loan amount, the more expensive the insurance will cost you.

Requirements

Sber does not and cannot have any requirements for the borrower who wants to take out insurance for a loan from Sberbank. Well, what can you demand from the borrower in such a matter?!

But the bank has many requirements for a third-party insurance company (this is in case you do not want to use the services of Sberbank Insurance or any other of the 30 partner companies).

Well, that's understandable! Who wants to give a client (his money) to a company with which you do not have a mutually beneficial relationship (you give me - I give you).

A short example of requirements for a third-party insurance company:

• 3 years of experience in the insurance market
• compliance with the norms and laws of the Russian Federation
• availability of a state license
• the company has no debts to the budget
• absence of lawsuits against the insurance company, which entail a decrease in equity capital by 10% or more
• and so on

Documents for insurance

What documents are needed to obtain insurance from Sberbank when receiving a loan?

All you need is:

• passport
• real estate documents

How to get insurance

In order to insure a loan from Sberbank, you don’t need to be smart; this is not the same as returning insurance after paying off a loan from Sberbank. Everything is much simpler here!

What the process looks like:

• choose a loan product at Sberbank
• at the stage of negotiations with the credit manager, you express a desire to purchase insurance (and the entire process of loan approval is immediately simplified)
• receive approval from the bank for your candidacy
• choose one of Sberbank’s partner insurance companies or Sberbank Insurance, and you also have the right to attract a third-party insurance company
• sign a contract with her
• pay for the service
• The bank employee attaches all this to the loan agreement

Pros and cons (features)

• obtaining insurance when applying for a consumer loan from Sberbank is not mandatory
• but otherwise, Sberbank has every right to refuse to issue you a loan (this is the main contradiction between legislation and life)
• and in the case of a mortgage, you are required to insure the property against damage (this is the law)
• you have the right to return the Sberbank loan insurance ahead of schedule, without waiting for the end of its validity, but if more than 30 days have passed, then only 50% of the cost of the insurance will be returned to you or the refund amount will be recalculated based on the remaining days
• the return of insurance on a Sberbank loan occurs in accordance with the provisions of the Civil Code of the Russian Federation
• you have the legal right to refuse loan insurance, even after receiving a loan within 1 month from the date of signing the agreement, and to “return” the service without changing the terms of the loan

Sberbank imposes insurance when applying for a loan, what to do

What to do if Sberbank imposes insurance when applying for a loan? Is this legal?

It is illegal! And in this case, you need to be guided by Article of the Civil Code of the Russian Federation No. 958, which states that banks do not have the right to impose life and health insurance on the borrower, do not have the right to fine borrowers in case of refusal and apply other sanctions. Otherwise, sanctions may be applied to the bank itself.

It also follows from the law that the borrower has the right to return the full cost of the insurance if more than 30 days have not passed since the loan was issued, and if more than 30 days have passed since the loan was issued, but the validity of the insurance policy has not yet expired, then only 50 are returned % of the cost of insurance.

But if we are talking about collateral lending (mortgage), the law obliges the borrower to insure the mortgaged property (Civil Code of the Russian Federation No. 102, Article 31), and it will not be possible to refuse insurance. Read more about this in the article - is it possible to return insurance after repaying the loan?

How to get money back for insurance

Question: Do they refund money for loan insurance at Sberbank?

Answer: they refund if no more than 30 days have passed since the loan was issued; if more than 30 days have passed, but the policy has not expired, then only 50% of the cost can be returned, and the money for insurance can also be returned in case of full or partial early repayment of the loan (which does not affect the provisions on the return of the cost of insurance).

And now about how to return insurance on a Sberbank loan.

How to return insurance:

• take a piece of paper and write an application for the return of insurance on a Sberbank loan in two copies addressed to the insurance company that provides you with the service
• collect the necessary documents (more about them below)
• submit the application and documents directly to the insurance office, and if you are served by Sberbank Insurance, you can also do this through a Sberbank branch
• make sure the employee marks your application form
• and wait for some movement from the insurance company
• if your application is not accepted, they tell tales that they cannot do something, then start complaining to all authorities (start with the head of the Sberbank branch or with the director of the insurance company, then there is Rospotrebnadzor, the Prosecutor and the Central Bank of the Russian Federation)
• if your application was accepted, but they still don’t want to return the money, then again start complaining to all departments

Waiver of insurance after receiving a loan

You have the full and legal right to express your refusal of insurance after receiving a loan from Sberbank, and if everything is done in accordance with the law, then no one will be able to “take away” the loan issued from you, and even no one at the bank will look askance at you.

It's simply a matter of returning a product that doesn't fit, just like with clothes.

As was written above, the Civil Code of the Russian Federation No. 958 gives you the right to refuse insurance after receiving a loan, as in any other bank in the country, within 30 days after receiving the loan, if more than 30 days have passed, then you have the right to return 50% of the cost of insurance, and if the insurance policy has expired, then there is no subject left for discussion.

Return of insurance upon early repayment of a loan at Sberbank is much more likely to be relevant compared to other cases of insurance returns (read the article - all about early repayment of a loan). This is understandable - you have repaid the loan ahead of schedule, you no longer need the insurance policy, and there may be another 12 months until the end of its validity. Of course, I would like to get my money back for a service that is no longer needed.

How to do it:

• read your loan agreement, preferably together with a lawyer (in some cases, the agreement is drawn up in such a way that it circumvents Article 958 of the Civil Code of the Russian Federation, and it will not be possible to return the insurance even through the court)
• if the contract is ordinary, then find out the name of the insurance company where you purchased the insurance
• write an application for the return of insurance addressed to this insurance company (we will provide a sample application below)
• attach the necessary documents for insurance return
• you send all this either by mail with return receipt requested (if you live in a remote region), or it’s better to personally submit these documents to the insurance company’s office
• Be sure to make sure that the insurance employee has marked receipt on the application
• if insurance employees refuse to accept the application, then write a complaint addressed to the director of the company with reference to Law 958 of the Civil Code of the Russian Federation
• if the director of the insurance company does not want to accept the application or the company does not return your money at all, then write a complaint against this company to Rospotrebnadzor, the Prosecutor's Office and the Central Bank of the Russian Federation (it is he who issues licenses to insurance companies)

Insurance return documents

In order to return the insurance after repaying the loan from Sberbank, of course, you need to provide the insurance company with some documents proving the fact of receiving the loan and the fact of purchasing insurance.

Documents for the return of insurance (both in the case of a regular refusal of insurance within 30 days, and in the case of a return of insurance upon early repayment of the loan):

• application for return of insurance on a Sberbank loan in any form addressed to the insurance company
• copy of the passport
• loan agreement (copy)
• certificate of absence of debt in the form of a bank

How much can I get back?

Summarizing everything that is stated in this article and the conclusions from the legislative framework, both in the case of a regular return of insurance (well, you didn’t like the product), and in the case of a return of insurance upon early repayment of a loan from Sberbank, it follows:

• if you write a return application within 30 days from the date of registration of the loan agreement, then you will be refunded the full cost of the insurance
• if the application is submitted between 1 month and 3 months, then you should expect a refund of 50% of the cost of the insurance policy
• if the application is submitted much later than 3 months from the date of conclusion of the contract, then the cost of returning the insurance will be calculated in proportion to the days during which you used the insurance services
• in any case, you will lose 13% income tax on the cost of the insurance policy

Insurance return application

Let's start with the fact that you can submit an application for the return of insurance on a Sberbank loan at any time and at any time during the validity of the loan and insurance agreement (the law allows you to do this). And as stated above, the timing of filing will only affect the amount of the refunded amount.

The application should be submitted to the company that provides insurance services. NOT TO THE BANK! Sberbank will not understand this issue and will most likely refuse you.

It’s a different matter if the insurance contract was concluded with a subsidiary of Sberbank (“Sberbank Insurance”), but even in this case you need to understand that this is a different company and an application for the return of insurance on a Sberbank loan should be written in its name, mentioning its details.

Also, the application should be written in two copies - you give one to the bank, on the other the bank employee marks its acceptance and gives the application to you.

• in the back right corner, write “TO” (name of the insurance company, actual address, details)
• in the upper right corner below write “FROM WHOM” (your full name)
• in the header write “Application for refund of insurance on a Sberbank loan”
• in the text of the application, describe your situation, mention your loan agreement number, when it was concluded, when it ends, and so on
• indicate the size and cost of loan insurance
• indicate your wish (to return the cost of insurance), indicate the reasons and grounds for your wish, refer to the law
• indicate your account number to receive a refund
• Finally, under the text, indicate your contact information, address, postal code
• sign and decrypt

Read more about the rules and features of submitting an application for insurance return to all banks in Russia here.

Sberbank - loan insurance

Drawing up an insurance contract for lending is a voluntary procedure. But banks, taking advantage of clients’ legal illiteracy, force them to spend extra money. Is it possible to return insurance on a Sberbank loan, and how to do it - read the article.

Is it possible to refuse loan insurance at Sberbank?

Loan insurance at Sberbank is a service that, although costly for the borrower, can sometimes be useful. The amount of insurance depends on the type of loan and the rates of the insurance company cooperating with the bank. The amount reaches 15% of the loan amount.

If circumstances arise that prevent the borrower from repaying the loan on time, the insurance payment allows the debt to be repaid. Insured events include:

• Documented job loss. A certificate from the employment center and a work book with a record of dismissal are provided.
• Long-term illness or death of the borrower. A certificate from a medical institution or a death certificate is required.
• An accident that resulted in long-term treatment. Documented.
• Natural disasters, property theft.

In 2015, loan insurance from Sberbank is taken out voluntarily, with the exception of mortgages and car loans. When issuing consumer loans, bank managers offer to join an insurance program, but do not insist on it. If the client is confident in his future and does not want to insure himself, no one will force him to do so.

Refund of Sberbank loan insurance: step-by-step instructions

In the case where the recipient of a consumer loan has already become a participant in the Sberbank insurance program, the opportunity to return the money still exists.

What you need to do to get a refund:

1. Contact the bank at the place where the loan was issued with your passport and loan agreement.

2. Fill out an application for the return of insurance on a Sberbank loan in 2 copies.

3. Register the application with a bank employee, indicating the date of receipt and the signature of the person who accepted the documents.

4. Keep the second copy of the application.

5. In case of early repayment of loan funds, provide a certificate of closure of the loan account.

6. Wait for the insurance to be recalculated and the balance of funds to be credited to the account specified in the application.

Sberbank: is it possible to return insurance on a housing loan? This question worries all borrowers, since the size of the annual insurance premium is quite significant. In connection with the pledge of real estate, the bank has the right to guarantee its safety. Refund of insurance is possible if the loan is closed ahead of schedule. The situation is similar with car loans, when the car is pledged.

How to return insurance on a Sberbank loan if it is not necessary

If you have ever taken out a loan from a bank, then you already know about such an additional service as loan insurance. For those who have encountered it, the question of the possibility of returning the insured amount becomes relevant. That is why, in order to help you sort out all the difficulties, we will consider all aspects of assigning the sum insured and the conditions for its return.

Why do you need to insure a Sberbank loan?

Credit insurance is an additional voluntary service that the bank offers borrowers to obtain when concluding the main consumer or other type of lending agreement. Taking advantage of the legal illiteracy of their clients, bank employees impose insurance as a mandatory service, without which issuing a loan would be impossible.

The main areas of Sberbank's insurance services are:

• insurance in case of loss of ability to work (disability);
• loss of income (dismissal from main job);
• insurance of purchased property against damage;
• death of the borrower.

However, if we take into account the statistics in which an insured event occurs extremely rarely, then by paying for such insurance, which is not so little, you are simply giving your money to insurance companies for free.

Cost of insurance, terms

The very first question is: what is the cost of the insurance policy? After all, there is no single price for this service. It all depends on the company you choose as your insurer. The main nuance is that the term of the insurance policy is a priori equal to the term of the loan being issued. That is, if you took out a loan for 1 year, then you will have to pay for insurance throughout the year.

When taking out a loan from Sberbank, you can take out an insurance policy either from your own Sberbank Insurance Insurance Company or attract a partner insurer; Sberbank has about 30 of them. You can also attract your own company, but it must meet the standards set by the bank.

If we consider average prices, the cost of the policy for the year will be:

• from 0.3 to 1% (of the loan value) - accident insurance (excluding additional services to the starter package);
• from 0.3 to 4% - life insurance;
• from 0.7% - insurance for collateral property;
• from 0.1 to 1.7% - in case of cancer.

Pros and cons of Sberbank loan insurance

No matter how profitable a banking product is, you can always find pros and cons.

The advantages include:

• the optionality of this service - if the client does not want to take out insurance, he can refuse it, but this does not apply to insurance of collateral;
• if desired, the insurance can be returned in full or in part, if you do not wait until the end of the contract;
• if an insured event does occur, the insurer will repay the loan for you;

The disadvantages include the following points:

• the bank may follow the principle and refuse to approve a loan without purchasing insurance;
• if the insured event did not occur, you wasted your money;
• It is impossible to return the money after the end of the insurance period.

Refund of insurance after loan repayment

Everyone wanted to return their insurance premiums in full or at least in part if the insured event did not occur. However, you need to understand that no insurance company wants to lose its profits, and when signing an insurance contract with them, you must read the entire agreement in full, because particularly cunning companies prescribe the conditions under which they can refuse to pay you your insured amount .

According to the Civil Code of the Russian Federation No. 958, each client can refuse life and health insurance when applying for a loan, and also has the right to demand reimbursement of the previously paid insurance amount if the term of the loan and insurance agreement has not yet expired.

It is important to understand that the conditions for the return of insurance premiums for each type of lending vary:

- Consumer loan- provides for the legal possibility of returning the previously paid insurance premium both during the first 14 days and throughout the entire loan term, under certain conditions. Therefore, by contacting the bank, if you were insured by Sberbank Insurance, or directly to the insurance branch, you ask for a form to draw up an application for the return of the insured amount. Fill it out in 2 copies, one for the company, one for you, and ask the manager to mark the acceptance of your application. If the insurance company refuses to fulfill its obligations, you can go to court with your copy.

- Mortgage- it implies 2 types of insurance: life and health, as well as collateral (apartment or house). If you have the right to refuse the first insurance, citing Article 958, then refusal to insure property is prohibited by the law of the Russian Federation. Therefore, you can only hope for the return of the insured amount if you repay the loan early.

- Car loan- in its essence is completely identical to mortgage lending. Consequently, if the borrower can refuse his own insurance, he simply does not have the right not to insure his car. And it will be possible to return part of the insurance only in case of early repayment of the debt, and only in an amount equal to the number of days remaining until the end of the insurance contract.

Sample application

To be able to return the insurance amount, you need to submit a written application to the bank branch where the loan was previously issued. The form is standard for all financial institutions:

• in the header of the application the name of the institution, address and full name of the bank or insurance manager, as well as the details of the insured (full name, address and telephone number);
• the main application indicates the grounds for the return of the insurance amount;
• borrower's passport details;
• payment card details for crediting funds to it;
• number of the loan and insurance agreement, their execution and expiration dates;
• date of application and personal signature.

You hand over the first copy to the authorized manager, and take the second copy for yourself, first giving it a mark of acceptance.

How much can I get back?

Depending on the type of lending and the terms of the insurance policy, the client has the right to return his money paid in the form of an insurance premium. You can request payment only in a few cases:

• during the first 14 days after concluding the contract, you can submit an application for full reimbursement of the insured amount due to refusal of insurance;
• if the term of the contract exceeds 14 days, then you can only count on 50% of the previously paid insurance premium;
• If you repay the loan early, you can request a refund of the insurance, but in an amount calculated for the remaining insurance period.

Refund of insurance upon early repayment of loan

Most requests for the return of loan insurance premiums occur precisely in cases of early repayment of debt. After all, if the contract was drawn up for 3 years, and the loan was repaid in 2 years, then why overpay for an unnecessary service. Then you need to submit a written application to the bank or insurance company, asking for a refund of the previously paid insurance amount and to terminate the insurance contract due to early repayment of the loan.

If the insurance company refuses to reimburse you for the insurance premiums paid, and this is contrary to the terms of the contract signed by you, you can legally demand the return of the funds paid.

Refund of insurance within 14 days

After applying for a loan from Sberbank, if an insurance agreement was imposed on you, you have the right to refuse it without loss to yourself within 14 days. That is, if you managed to submit an application for termination of the insurance policy within this period, the bank guarantees you a full refund of the paid insurance premium.

However, if the insurance was issued by a partner company, then they may have a deduction from the insurance premium in the amount of 13-20%.

Arguments for protecting your rights

Perhaps the most pressing question for most borrowers is: “What arguments should be given in order to be able to get their money back?”

The most significant will be:

• Imposition of the service - if the client can prove that he was not notified of the opportunity to refuse the insurance being taken out, or was forced to take out it in order to approve the necessary loan;
• If the bank included the service of connecting to the insurance program in the total loan amount, it deliberately increased the amount of the commission. This is a violation of consumer rights and is subject to legal challenge;
• If the borrower has repaid the loan, he has the right to refuse other services provided (in our case, insurance), if their term has not yet expired at the time of full repayment of the debt.

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An offer from a bank employee to conclude insurance is a procedure that all borrowers of loan funds inevitably face. Often, when signing an agreement, the applicant does not really read the proposed documents. After some time, the person realizes that he agreed to an unnecessary service and tries to refuse it.

Why do you need insurance?

Signing an insurance agreement is a completely voluntary procedure. Sometimes, thanks to this document, the borrower and his relatives receive financial security regarding loan payments. This becomes available if any circumstances considered as insured events have occurred. The latter include:

• death of the loan borrower;
• health problems;
• the applicant's loss of ownership of any property;
• involuntary job loss (for example, an organization reducing its workforce).

However, it is important to understand that the availability of monthly payments for insurance services sometimes exceeds the payment of the loan itself. In addition, there is no guarantee that at least one of the insured events will occur, while this contract must be paid regularly.

Imposing life and health insurance services on an applicant is an absolutely unlawful action on the part of employees of a credit institution.

Nuances

There are several cases for which signing an insurance agreement is a mandatory procedure and cannot be terminated. These include:

• purchasing housing with a mortgage, since real estate is subject to insurance;
• buying a car through a car loan for the same reason;
• issuing a loan when the collateral is property subject to compulsory insurance.

Other situations legally (Article 935 of the Civil Code of the Russian Federation) allow you to write a statement of cancellation of the Sberbank insurance contract immediately or after some period after the conclusion of the agreement. Moreover, the organization to which the applicant applies with this document reacts extremely reluctantly to the specified wishes of its client.

Actions of bank employees

To ensure that the client signs a life and health insurance contract, employees of the credit institution use some tricks. For example, one of the methods of implicit pressure on the borrower is a significant increase in the interest rate. Additionally, you may be required to pay any previously unannounced fee.

With a superficial assessment of the situation, the client believes that it is cheaper to conclude an insurance contract, which he subsequently does. However, it would be wiser to first study the loan offers of other organizations. It is likely that in some of them insurance is not necessary and does not affect the decision to issue a loan.

How to terminate the agreement

Having decided to refuse the imposed service, the client must carefully read the signed contract. The document will necessarily specify the conditions under which this agreement can be terminated. If the organization allows termination at any time (at the time the loan is valid), the borrower will need to draw up a corresponding application. You can use the established template or draw up a document in any form.

An application form for waiver of insurance for a Sberbank loan can be obtained directly when contacting a credit institution. The document must indicate the following information:

• full name of the applicant, his contact telephone number;
• details of the identity document (series, number, when and by whom it was issued);
• the reason why the applicant decided to terminate the insurance agreement;
• signature of the applicant and date of preparation of the document.

The applicant also has the right to terminate the insurance contract without giving reasons within 5 days after its conclusion.

How much will be returned?

The amount of money returned to the client is directly related to the amount of time that has passed since the conclusion of the transaction. According to the law, you can return the money in full if the contract was signed no earlier than 2 weeks ago. Otherwise, the amount will not be fully refunded. This is due to the fact that the insurance contract is already active, which means the client will have to part with 13% of the amount he paid (income tax). For non-residents of the Russian Federation, the borrower's loss in money will be 30%.

It is worth highlighting some cases in which the statute of limitations for concluding an insurance agreement does not play a role for the return of funds. This category includes:

1. Situations of full early fulfillment of all obligations to the credit institution. The client can expect a return of 57.5% of the funds (calculation is carried out in proportion to the remaining duration of the loan in months).
2. Age restrictions (less than 21 years for everyone, over 55 and 60 years for women and men, respectively).
3. Borrower's incapacity.
4. Health restrictions. The full list can be found in the terms of the agreement. In addition to the standard ones, it includes a clause about the inability to work due to a stroke, serious illness and other injuries.

If at least one of the last three points is true, the client can count on a full refund of the money paid. In all cases, you can receive money in cash or by transfer to a bank account.

Important! The procedure for terminating the insurance agreement does not entail an increase in the interest rate on loan obligations. An application for waiver of insurance for a Sberbank loan (sample) can be obtained directly from the organization.

Sberbank, the largest bank in Russia, has confidently held the leading position in terms of the number of issued credit loans for many years. According to statistics, more than 60% of all loans come from this bank. And many of the loans, especially long-term mortgages, require a separate insurance policy. Moreover, not all borrowers know that insurance is not mandatory in this case.

Borrowers should also learn the procedure for returning compensation and how to draw up an application for waiver of insurance for a Sberbank loan, a sample of which can be downloaded from the Internet. In practice, returning the insurance portion of the loan is a simple and uncomplicated procedure. You just need to know some of the nuances and conditions that exist in the bank.

Sberbank allows you to refuse insurance and return compensation for the insurance part of the loan

What does it mean to insure a loan?

Loan insurance is an additional service included in the total cost of financial services. The insurance policy works to minimize the borrower's risks that may arise due to force majeure and lead to troubles with the bank.

The validity period of credit insurance is equal to the duration of the contract, and the cost of the policy is evenly distributed between regular contributions.

But it has been noticed that some financial and credit organizations include two costs at once in the total cost of the loan:

1. Insurance premium (funds transferred to the insurance company).
2. Commission (part of the insurance money that remains with the lending bank).

Ultimately, it turns out that bank commissions for issuing an insurance policy increase many times over. Therefore, experts strongly recommend that all borrowers carefully study the terms of the agreement. After all, the size of the returned portion depends on this, given that the bank does not return commissions. Also, many clients do not know that taking out an insurance policy is voluntary.

Based on the current resolution of the Civil Code of the Russian Federation, it is only mandatory for borrowers to obtain insurance for collateralized real estate (when taking out a mortgage loan). All other directions are entered into by the client only at his own request. Moreover, the law allows you to terminate insurance that has already been issued and return the money even after receiving a loan.

Life and health insurance is optional when applying for a loan

Is it possible to refuse insurance?

Before figuring out how to cancel an insurance contract, it's worth understanding the value of insurance policies. After all, with long-term loans (mortgages), which are taken out for a period of 20–25 years, any troubles can happen in the life of the borrower. Illness, disability, job loss, death of a relative or the client himself - in all such cases, insurance works.

Thanks to the policy, the borrower is protected from litigation regarding the inability to continue to pay the loan, and is guaranteed to retain ownership of the collateral. After all, when a risk occurs, the insurer pays off the entire mortgage debt on behalf of the client. Therefore, it is worth considering everything carefully before accepting an application to terminate the insurance contract.

Before and after receiving borrowed funds

If the borrower has already concluded an agreement and received a loan, he has the opportunity to refuse insurance. All conditions relating to this procedure are specified in the loan agreement, namely the time during which the client has the right to cancel the policy.

Sberbank sets the deadline for the return of insurance funds at 2 weeks from the moment the obligations are signed (most other banking organizations allow termination within a month after the conclusion of the contract).

In order to return the money paid under the insurance agreement to Sberbank, the borrower must write an application to cancel the insurance agreement within 14 days. If the deadlines are missed, returning compensation will become problematic. It is possible to return unused funds under the insurance policy and in case of early repayment of the loan.

Sberbank offers different types of insurance

In this situation, the amount of the refundable insurance directly depends on the period remaining until the loan is repaid under the contract. For example, if a client completes payments twice as quickly (instead of 10 years, repays the loan in 5 years), insurance payments are returned in the amount of 50%. But here it is also worth paying close attention to the terms and conditions specified in the contract. Sometimes the lender specifies a condition under which it is impossible to receive compensation of more than 50% of the policy amount.

Refusal of an imposed life and health insurance policy

Every client of a banking organization who has decided to take out a long-term loan should know that taking out personal (life/health) insurance is optional. And you also need to be prepared that mortgage managers will actively impose this policy. But, thanks to such insurance, the client can reduce his interest (Sberbank, when concluding a life insurance contract, reduces the interest rate by one point).

And it allows you to calmly refuse it, only on the condition that the borrower submits such an application within at least 5 days from the date of registration of the housing loan. All funds paid are returned to the client in full. If the insurer refuses to accept an application for termination of the insurance contract, the client can safely appeal to the courts.

When insurance refund is not possible

If the client repays the loan in full, not early, but in accordance with the payment schedule, he will not be able to return the insurance. The bank considers this case as the expiration of the insurance policy simultaneously with the last loan payment. You need to know that not all loan agreements can be repaid ahead of schedule and receive compensation back.

You should carefully study all the terms of the loan agreement; the prohibition on early repayment is stated in the clauses of the agreement.

Such conditions can and should be challenged during the paperwork process. But, if an agreement with such a condition has already been signed, early repayment of the debt and return of compensation will become impossible.

Life and health insurance is one of the popular types of insurance

Sberbank life insurance: how to terminate the contract and return the money

To apply for an insurance waiver, the borrower must personally visit the office to write an application. This event should be carried out directly in the office where the loan agreement was concluded. In addition to the application, the borrower must be armed with the following documents:

• passport;
• loan agreement;
• insurance policy;
• receipts for payment of the insurance contract;
• checks confirming payments made and a bank statement confirming the absence of debt (in case of early repayment).

All documents and the completed application must be submitted to Sberbank. The mortgage manager is obliged to accept the documentation and endorse the application (affix a stamp, signature and date of acceptance for consideration). If a bank employee refuses to accept documents, you must request a written justification for the refusal (this paper will help you get your insurance back through the court in the future).

On average, the processing time for an application for the return of the insurance portion is within a month. If the bank's decision is positive, the money is returned to the client's account within 7 days.

Sample application for insurance refund

The application form can be obtained from the Sberbank office or downloaded from the Internet. The application can also be made in free form. A sample of such paper looks like this:

Sample application for insurance refund

Every borrower should understand that insurance can only be returned if this option is stipulated in the loan agreement. Situations often occur when Sberbank employees deliberately delay the deadline for accepting an application and package of documents, citing the absence of the person responsible for this. In this situation, you should request a reasoned refusal in writing (according to customer reviews, documents are accepted immediately).

Experts advise not to rush into early repayment of the loan, immediately processing the return of the insurance portion. Compensation can be returned during the entire term of the mortgage agreement. All the features of receiving part of insurance payments already described are acceptable for other banking organizations. Before signing loan agreements, each client should carefully study all the conditions specified there.

conclusions

Sberbank allows the opportunity to cancel an already concluded insurance agreement and returns compensation. The borrower is only required to know exactly all the conditions of such a procedure and not be late in submitting the application. And understand that when applying for a car loan and mortgage, it is prohibited to refuse insurance of collateral. This can only be done in the case of other insurance programs.

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