Life Insurance Overview for Russia
We can help you plan for life’s uncertainties.
Leave your legacy – not your liabilities. Feel better knowing you and your family have a sound enough financial cushion if something unexpected happens to you, permanently cutting off your income.
Your Group Life and disability Insurance benefit offers the following benefits :
- Death due to any cause – 2 times annual salary
- Death due to accident – 2 times annual salary
- Accidental Disability – 2 times annual salary
- Disability / Injury – 1 times annual salary
- Disability due to sickness – 2 times annual salary
- Critical Illness Benefit – 2 times annual salary
What is excluded from insurance coverage
- deliberate actions of insured person
- committing a crime by insured person
- driving of a vehicle by the insured person under the influence of intoxication or assigning the
- driving of a vehicle to a person in a such condition
- suicide committed or attempted by the Insured Person if at the time of the suicide (attempted
- suicide) the Contract has been effective for less than two years
- effects of nuclear explosion, radiation, radioactive contamination or ionizing radiation
- active participation of the insured person in the hostilities, civil, military coups, civil commotions
- professional sports activities of the Insured Person
*Important : Within 30 days from the date of entry into force of the Insurance Contract in respect of the Insured, the insured employee is obliged to notify the curator of the contract in writing if he has oncological diseases, mental illnesses, severe disorders of the nervous system, persons with congenital anomalies, disabilities I or II groups, disabilities from childhood, HIV infection or AIDS, registered in neuropsychiatric anti tuberculosis narcological dispensaries, by e mail at life- geb@ingos.ru .The insured must indicate in the letter the name of the company, full name, contact phone number, exact diagnosis or disability group The information received by the Insurer is strictly confidential and under no circumstances will be brought to the attention of the Insured (employer) The Insurer has the right to adjust the insurance program in relation to this Insured.