Sberbank clients can insure their lives on their own initiative or when applying for various kinds of loans. If problems arise during the execution of the contract or upon the occurrence of an insured event, a competently drawn up claim will help protect your rights.
Life insurance from Sberbank: how to make a claim
Life insurance is a popular service that Sberbank clients can use. When registering it, you must sign an agreement with Sberbank Life Insurance LLC. All the basic conditions are spelled out in this agreement, but often disagreements between the parties still arise. Clients are often not satisfied with:
- incorrect paperwork;
- not entirely accurate calculation of insurance payments;
- refusal to make payments upon the occurrence of insured events;
- rudeness and not entirely correct behavior of employees.
In all these cases, the insured person or his representatives must defend their rights. To do this, you must first try to settle the issue. You can ask for clarification at the Sberbank branch where the insurance contract was concluded, or at the head office.
To understand the situation, sometimes it is enough to call the hotline of the Sberbank insurance company at the toll-free number 8 800 555 5595. You can call around the clock from anywhere in Russia.
The client can draw up a claim in a free form and send it to the head office by mail. You can take the application to any bank branch and register it. It is much more convenient to apply through the website. On the Sberbank website in the "Insurance" section at the very bottom of the main page there is a "Contact management" tab. You can use it by writing your application in the specially designated field, or attach a file with an already written application.
It is necessary to indicate in the claim:
- passport details of the applicant and the insured person, contact phone number of the applicant;
- the date of the conclusion of the insurance contract, its number;
- insurance policy number.
Attach to the application:
- a copy of the insurance contract;
- payment receipts;
- medical certificates, expert opinions.
In the claim, you need to formulate the problem and your requirements as accurately as possible, describe when the insured event occurred, what actions of the Sberbank employees the client or his representative considered illegal or not entirely correct. It is necessary to indicate in whose name the statement is drawn up, what position the manager holds. You should also register the surname, name, patronymic of the applicant, his registration address and contact phone number.
A response to a request may take a few days or even weeks, depending on the complexity of the question and the need to involve outside experts. A response letter can be sent by e-mail or by mail. When submitting a claim, you need to select the desired feedback method.
Third Party Claim
If the statements addressed to the heads of Sberbank did not help to solve the problem, the client has the opportunity to write a complaint to the Ombudsman Service, which reports directly to the President of Sberbank. It was created to deal with the most difficult situations and conflicts of interest.
The client can file a claim with the Central Bank of Russia. You can send a complaint directly on the Central Bank website. If the applicant is not satisfied with the answer, he can contact the regulatory organizations and law enforcement agencies:
- to Rospotrebnadzor;
- to the police;
- to the prosecutor's office.
It makes sense to write a statement to Rospotrebnadzor if the terms of the agreement were violated or the client was not satisfied with the quality of service in the bank. If you have to deal with fraud, misleading or financial fraud, you can immediately contact the police, the prosecutor's office to protect your rights.
The highest instance is the court. When the client or his representatives fail to receive money or a serious dispute arises and the parties are not ready to compromise, only appeal to the judicial authorities will help to solve the problem.
