If a client of Sberbank or its representatives has complaints about the quality of life insurance services, you can file a complaint with the company's management or write a statement to the regulatory authorities.
Where to complain about life insurance from Sberbank
Sberbank clients can insure their lives or health. This service is available to everyone, but bank employees especially recommend taking out insurance when drawing up loan agreements, issuing loans. It is provided by the insurance company Sberbank Life Insurance LLC.
In the event of an insured event, the company is obliged to pay the client or his relatives the monetary funds, fulfilling all the clauses of the previously concluded contract. But sometimes there are controversial cases, disagreements. They can be associated with both the refusal of the company to pay insurance, and with the incorrect calculation of the insurance benefit. Sometimes the company's employees demonstrate their unprofessionalism and refuse to accept documents or behave not quite correctly.
In such situations, you need to make a claim. Beforehand, it is better to find out all the questions and wait for the official response of the insurance company to the request. You can get advice at any branch of Sberbank or by calling the insurance company - 8 800 555 5595. You can call this number free of charge from anywhere in Russia. You can get an answer to your request through your personal account on the Sberbank website in the "Sberbank Life Insurance" tab.
If the representatives of the insurance company are not satisfied with the answer, you can file a claim addressed to the director of Sberbank Life Insurance LLC. All data is included in the insurance contract. A complaint can also be sent to the Ombudsman Service through the official website of Sberbank. This is an independent division of the bank that deals with the most difficult and controversial situations. She reports directly to the president of Sberbank and exercises control over all divisions of the company.
You can also complain about life insurance from Sberbank to other organizations:
- to Rospotrebnadzor;
- to the Central Bank of Russia;
- to the police;
- to the prosecutor's office.
A statement can be made to law enforcement agencies if the current legislation was violated, it was necessary to face fraud, forgery of documents. In other cases, it is better to file claims with the Central Bank, Rospotrebnadzor. Applications can be left on the websites of these structures, which is very convenient. It is necessary to indicate your data, address, and also choose the desired method of receiving a response to the request. It may take several weeks for a claim to be processed. If the client or his representatives fail to defend their rights, you can go to court.
What you need to indicate in the claim
In order to achieve the restoration of your rights, it is necessary to correctly draw up an appeal. The claim can be written in free form. There is no single form in this case. When submitting an application addressed to the head of the Sberbank insurance company, you must indicate his last name, first name, patronymic, position in the upper right corner. The same requirement is also relevant when filing complaints with third-party organizations and law enforcement agencies. It is worth specifying in whose name the claim is made and who the sender is.
It is necessary to indicate in the application:
- applicant's passport data, his contact phone number;
- the date of the conclusion of the insurance contract, its number, information about the insured person;
- insurance policy number.
In order for the management of the claim to take as little time as possible, it should be accompanied by:
- insurance payment receipts;
- a copy of the insurance contract;
- medical documents, certificates.
In the application, you need to describe your problem and clarify when the insured event occurred and which obligations the Sberbank insurance company did not fulfill. If a client or his representatives have claims against a certain Sberbank employee, his data must be indicated in the appeal. It is also necessary to clearly formulate your wishes and possible ways to resolve the conflict.
