AlfaStrakhovanie Group is one of the largest Russian insurance companies with a versatile portfolio of services, including both comprehensive business protection programs and a wide range of insurance products for individuals. Under the license, the company offers more than 100 products, including life insurance products.

AlfaStrakhovanie Group unites AlfaStrakhovanie OJSC, AlfaStrakhovanie-Life LLC, AlfaStrakhovanie-OMS LLC, AlfaStrakhovanie Medicine LLC. AlfaStrakhovanie Group is part of the Alfa Group financial and industrial consortium (Alfa Bank, Alfa Capital, A1, Rosvodokanal, X5 Retail Group N.V. and others).

Alfa-Health Center is a project of a network of medical centers launched by AlfaStrakhovanie Group in 2009 that provides quality medical services to residents of 12 Russian cities: Moscow, Nizhny Novgorod, Yekaterinburg, Tyumen, Rostov-on-Don, Kirov, Saratov, Samara , Yaroslavl, Murmansk, Perm, Berezniki.

AlfaStrakhovanie is widely represented in the regions of Russia: about 400 regional representative offices carry out insurance activities on the territory of the Russian Federation. More than 22 million private clients and 435 thousand companies use the Group's services.

AlfaStrakhovanie is one of the top five leaders in the open insurance market and the compulsory medical insurance market. At the end of 2014, AlfaStrakhovanie Group strengthened its market positions. The Group's fees amounted to 149.3 billion rubles, the share - 6.3%, fees excluding compulsory medical insurance for the period amounted to 58.4 billion rubles, the market share - 5.9%.

The largest corporate clients and partners of AlfaStrakhovanie are: Coca-Cola, Danone, Henkel RUS, Hyundai, Metro Cash & Carry, Nokia Siemens Networks, S7 Airlines, Yokohama, X5 Retail Group, Rossiya Airlines, Yakutia Airlines, Aviation transport company Yamal, Avilon, Alfa-Bank, Domodedovo Airport Complex, Aeroflot, Bashneft, Volgotanker, VimpelCom, Eurosib, VTB24, Euroset, "Information Satellite Systems" (ISS) named after Academician M.F. Reshetnev, Kommersant, Komsomolskaya Pravda, Magnitogorsk Iron and Steel Works, Vnukovo International Airport, Sheremetyevo International Airport, Metalloinvest, Norilsk Nickel, Sberbank of Russia, Sibur, Sodexo Eurasia", "Svyaznoy", "Orenburg Airlines", "Opening", "Rocket and Space Corporation" Energia "named after. S.P. Korolev, Raiffeisenbank, Rosselkhozbank, RusHydro, Yu.A. Gagarin, Federal State Unitary Enterprise State Corporation for Air Traffic Management in the Russian Federation, Federal State Unitary Enterprise Space Communications, TNK-BP, Uralsib, Ural Airlines, IDGC Holding, Enel OGK-5, Energostroy, E.ON Russia, Unicredit, UTair and others.

AlfaStrakhovanie Group has a reputation of a reliable and stable company. Today, AlfaStrakhovanie Group is responsible for its obligations with its own funds of several companies with a consolidated authorized capital of more than 8.5 billion rubles.

In March 2015, the international agency Fitch Ratings confirmed the financial strength rating of the insurer (RFU) AlfaStrakhovanie at 'AA-' on the national scale and at 'BB' on the international scale. The rating outlook is Stable. In April 2015, the leading Russian rating agency Expert RA confirmed the highest reliability rating assigned to AlfaStrakhovanie Group in 2003, A++ (“Exceptionally high level of reliability”, rating outlook “Stable”). In 2015, RAEX (Expert RA) awarded AlfaStrakhovanie OMS with the highest A++ reliability and service quality rating. The agency's experts assessed the quality and stability of the company's work at an exceptionally high level. In May 2015, AlfaStrakhovanie passed international certification and received a certificate of the international quality management system ISO 9001-2011.

The high reliability of insurance operations is supported by reinsurance programs in the world's largest companies - the Munich Reinsurance Company (Munich Re), the Swiss Reinsurance Company (Swiss Re), the Hannover Reinsurance Company (Hannover Re), SCOR (SCOR), Cologne Reinsurance Company (GenRe), Partner Re (Partner Re), as well as Lloyd's of London Corporation

During 2014 - 2015 The work of AlfaStrakhovanie Group was marked by a number of professional awards and prizes. For the eleventh year in a row, the company's executives have secured their leading positions in the authoritative annual rating "TOP-1000 Russian Managers", a joint project of the Association of Managers of Russia and the Kommersant Publishing House. AlfaStrakhovanie became the winner of the National Business Award "Company of the Year 2014" in the nomination "Insurance Company" and the winner of the national business award "Captains of Russian Business" in the nomination "Business Reputation". The company won the professional E-Travel Navigator award in the Online Insurance nomination. AlfaStrakhovanie also became the only insurance company that was included in the Russian Universum Top 100 2014 employer rating published by Universum, the leading international company in the field of HR branding. Expert RA recognized AlfaStrakhovanie as the market leader in financial risk insurance, and the Company became the owner of the RuStrahovka Awards in the category "Insurance company with the widest range of products provided on the site."

During the work of AlfaStrakhovanie in the Sverdlovsk region, a lot of questions have accumulated for this company, the answers to which, most likely, will have to be sought by law enforcement officers. In the course of litigation, interesting facts about the peculiarities of doing business come to light every now and then. Among other things, the controversial decisions on insurance payments in favor of "profitable" clients, the obfuscation of financial traces with the help of consonant "daughters", marketing expansionism. Meanwhile, experts are ironic: it is time for customers to insure against the risky business policy of AlfaStrakhovanie.

The fact that not everything is going so smoothly at AlfaStrakhovanie OJSC became clear after a high-profile scandal related to disputing the payment Andrey Peredelsky- Head of the Internal Security Service of the Ural Customs Administration. In 2009, the security official received an insurance payment in the amount of 544 thousand 722 rubles, and after that the company questioned the validity of obtaining insurance, trying to convict its client of fraud.

In 2009, after receiving a severe head injury, a customs officer turned to AlfaStrakhovanie on the basis of the contract of the Federal Customs Service of the Russian Federation on insurance of the life and health of employees at that time. However, almost immediately after the satisfaction of Peredelsky's application, the insurance company stated that he had received the money illegally. AlfaStrakhovanie insisted that the head of the security service misled the agents by deliberately concealing that he was intoxicated at the time of the injury. While the terms of the contract exclude the payment of compensation "in cases of voluntarily bringing oneself into a state of alcoholic, narcotic or toxic intoxication."

However, nothing came of the insurer's idea then. In addition, it turned out that the contract did not clearly spell out the parameters of alcohol intoxication, in which the client is denied payment.

– There is a big difference: a person drank a bottle of vodka or a glass of wine. For example, it is known that the right to drive a vehicle is deprived if the alcohol content in the blood exceeds 0.0 ppm, it used to be 0.3. Under what content they are deprived of compensation in AlfaStrakhovanie - it is not clear, - the lawyer commented on the situation Sergey Kolosovsky.

However, this fact looks like childish talk against the background of other legal connivances that were allowed in this case. It turned out that the OK to pay compensation to Lieutenant Colonel Peredelsky was given not by AlfaStrakhovanie OJSC, but by a certain AlfaStrakhovanie-Life LLC, whose office is located in Moscow. At the same time, it is not clear what relation, besides the consonant name, the Moscow LLC has to the organization operating in Yekaterinburg. The company's lawyer was never able to present to the court any contract on the basis of which the interaction between Alfas was carried out.

As VV was told by the head of the legal department of the Ural regional center of AlfaStrakhovanie OJSC Alexander Frolov, AlfaStrakhovanie-Life LLC has nothing to do with AlfaStrakhovanie OJSC: “These are completely different legal entities.” However, when we asked how it happened that these two “different” organizations figured in the case with Peredelsky, the lawyer immediately found himself:

- AlfaStrakhovanie in this case acted as the official representative of AlfaStrakhovanie-Life, since the latter organization did not have an office in the Sverdlovsk region. Thus, the contract at Peredelsky was concluded with AlfaStrakhovanie-Life.

An interesting statement by a lawyer, given that the conversation began with the fact that the two "Alphas" have nothing to do with each other. When asked whether AlfaStrakhovanie continues to perform the representative functions of AlfaStrakhovanie-Life, Alexander Frolov, without answering anything intelligible, suddenly warned about the responsibility of the media for posting discrediting information.

- And in which case we will be happy to invite your publication to court. Moreover, we have a lot of experience,” Frolov seemed to threaten.

Nevertheless, despite the lawyer's warning, let us note that the relationship between Andrey Peredelsky and AlfaStrakhovanie was regulated by an annual state contract concluded with the Federal Customs Service of Russia, in which not a word was said about AlfaStrakhovanie-Life. The correctness of our words is confirmed by a copy of the contract, which came into the possession of our editorial board.

Contrary to the statement of the corporate lawyer, there is no information about AlfaStrakhovanie-Life LLC in the contract of AlfaStrakhovanie OJSC with the Federal Customs Service

- For AlfaStrakhovanie OJSC, the issue of AlfaStrakhovanie-Life is a rather painful topic, - explained lawyer Sergei Kolosovsky, who defended Andrei Peredelsky in court. - The fact that these two organizations are connected is also confirmed by the fact that the employees of AlfaStrakhovanie-Life gave very confused answers in court and could not really explain why it was they, and not specialists from Yekaterinburg, who made the decision to issue insurance to Peredelsky .

In addition, according to the contract cited by the insurer in court, compensation to employees of the Federal Customs Service was provided only if the employees were injured during their service. Then the issue of payment should have disappeared by itself at the beginning, since Andrei Peredelsky said that he was injured when he was going home from service, as a result of an attack on him by unknown people. Nevertheless, as it turned out during the judicial investigation, the materials of the internal audit conducted by AlfaStrakhovanie indicate that Andrey Peredelsky suffered in the service. Thus, AlfaStrakhovanie, on the basis of its own mistake, made a decision that it did not like, which it later decided to challenge. This corporate carelessness looks especially blatant, given that Peredelsky, the organization's client, was threatened with a real prison term.

In the meantime, specialists tend to consider such errors as symptoms of the insurer's dishonesty, giving reason to seriously think about whether it is safe to use its services.

– Groups of companies with consonant names are one of the obvious signs that not everything is in order with tax discipline in this organization, including the possibility of tax evasion. The consequence of the fact that the structure of the company is not entirely transparent is that the legal relations between the “daughters” are not clearly defined, for the client there is a high risk of delay in paying out insurance, – lawyer Kolosovsky notes in an interview with VV.

Another scandal in which AlfaStrakhovanie "lit up" occurred the day before. The insurer tried to unreasonably recover almost 3 million rubles from the owner of the shopping center, where the ATM of Alfa-Bank was robbed. Needless to say, this ATM was insured by AlfaStrakhovanie, and when it was robbed, payments were made to the bank account immediately.

Nevertheless, it was decided to recover the stolen money in the order of subrogation from the owner of the Yuzhny shopping center (Kamensk-Uralsky), who allegedly did not watch the ATM. About which the insurance company sent a statement of claim to the Arbitration Court of the Sverdlovsk Region. As in the previous case, in court the case began to fall apart before our eyes. The businessman's defense found out that AlfaStrakhovanie was apparently in a hurry to part with its millions.

The internal order of the security service of Alfa-Bank establishes the conditions and procedure for the protection of ATMs. For some reason, Alfa-Bank neglected this document

There is nothing surprising in the fact that the ATM was robbed. According to an internal order, Alfa-Bank was supposed to provide valuable property, which includes an ATM, with serious security - an agreement with a private security company, video surveillance, physical security, and so on. However, for some reason, the bank neglected all these conditions, - the lawyer told VV. Elena Afanasyeva, who defended the interests of a businessman from Kamensk-Uralsky in court.

In addition, the ATM, contrary to common sense, was not located in the shopping center itself, but on the platform of the entrance group - between two doors. In this case, even in the presence of physical protection, it would be quite problematic to monitor the safety of the monetary apparatus. A strong argument in court in favor of dissatisfaction with the claim of the insurer was the official document of Alfa-Bank, which approves the conditions and procedure for the protection of ATMs. Meanwhile, experts note that if AlfaStrakhovanie were really interested in checking, then the ATM robbery would fall into a number of non-insurance cases.

As lawyer Alexander Frolov explained, the payment to Alfa-Bank was made for image reasons of the company.

– Each insurance company has obligations to pay compensation; if it does not comply with them, then sanctions are applied against it. Alfa-Bank's insurance was transferred in accordance with the law. Delaying the payment process threatens us with the loss of our image. We try not to abuse checks, and after payments, you can sort things out, - Mr. Frolov commented, emphasizing that AlfaStrakhovanie has nothing to do with Alfa-Bank.

It should be noted that AlfaStrakhovanie, in addition to a consonant bank, has an agreement with about 25 large credit institutions in the country. I wonder if other banks enjoy the same preferences as Alfa-Bank. If so, then the "image" strategy of the insurance company, which the lawyer Frolov mentioned, should have been launched around the world for a long time.

But, despite the obvious "punctures", AlfaStrakhovanie continues to actively promote its services in the Sverdlovsk market. At the same time, the company's marketing also balances on the verge of legality. So, residents of Yekaterinburg periodically find in their mailbox letters from a company offering them to insure their housing. At the same time, the advertising thrown in by smart marketers is drawn up as an insurance policy, and it is almost impossible to distinguish it from a simple offer to conclude a contract. The impression of reliability and officiality is strengthened by the fact that the address of its recipient is driven into the pseudo-contract form with an exact indication of the area of ​​\u200b\u200bhis apartment and layout. In addition, without any agreement on this "piece of paper" with a facsimile signature of an abstract agent, the owners are invited to pay monthly insurance premiums.

“If any of the citizens had addressed this letter to the OFAS, it is possible that serious violations of antitrust laws would have been revealed in the advertising activities of AlfaStrakhovanie in terms of imposing their services by deliberately misleading the consumer,” lawyer Kolosovsky believes.

It is clear that advertising is designed for inattention and gullibility of citizens, which are often pensioners. It is possible that among the existing clients of AlfaStrakhovanie there are those who took this offer at face value and pay the company. At the same time, in the event of an emergency, these people have no guarantee that they will receive compensation, since there has never been an agreement, which, among other things, prescribes the terms of payment.

Ksenia Postovalova © Vecherniye Vedomosti

Starting February 16, 2015, Alfa-Bank offers payroll card holders to insure their budget against such risks as job loss as a result of downsizing or company liquidation, injury and bodily injury, loss of a bank card and unauthorized withdrawal and theft of funds. New Clients will be able to activate the Budget Protection insurance program when applying for a salary card, and Clients who already receive a salary on Alfa-Bank cards can apply for insurance by contacting a personal manager or Alfa Consultant call center to invite a personal manager.

“For payroll card holders, the convenience lies in the fact that there is no need to control the timing of payment of the insurance premium, debiting from the payroll card occurs automatically with the consent of the client and on a monthly basis, which makes the amount of the insurance premium almost invisible, only 99 rubles per month. In the event of an insured event, the Client will be able to receive up to 300,000, - Roman Marishkin, Director for Development of Payroll Projects at Alfa-Bank, comments. – The Budget Protection insurance program is a unique product designed specifically for Alfa-Bank's payroll clients. Employees of our clients can expand their social package on special terms, insuring their personal budget against the most common risks. This will allow employees to feel more confident in today's reality.”

“The risks included in the product are the most common. Unfortunately, they cause colossal damage to the budgets of our citizens every year,” comments Vera Galliamova, Head of Business Development of the AlfaStrakhovanie Credit and Risk Insurance Department. “Together with partners, we managed to create a unique product that provides comprehensive protection at the lowest price, and is also very easy to design.”

Alfa-Bank was founded in 1990. Alfa-Bank is a universal bank that carries out all major types of banking operations on the financial services market, including servicing private and corporate clients, investment banking, leasing, factoring and trade finance.

At the end of the first half of 2014, according to the financial statements (IFRS), the total assets of the Alfa-Bank Banking Group, which includes Alfa-Bank JSC and subsidiaries of financial companies, amounted to 49.8 billion US dollars, the total loan portfolio - 35, 6 billion US dollars, total capital - 5.0 billion US dollars. Net profit for the first half of 2014 amounted to USD 237 million.

As of July 1, 2014, Alfa-Bank serves about 128.1 thousand corporate clients and 10.8 million individuals. There are 672 branches and branches in Moscow, Russian regions and abroad, including a subsidiary bank in the Netherlands and financial subsidiaries in the US, UK and Cyprus.

At the moment, AlfaStrakhovanie, reviews of which are easy to find on the Internet, is one of the largest insurers in the country. It has a huge range of services, so that anyone can find an offer that suits him, for example, life insurance, business insurance, car insurance, and more. If an individual wishes to protect his life and health, he will be able to choose from a huge selection of offers, for any budget and for all possible circumstances. The most popular are insurance programs for car owners, as well as comprehensive life and health insurance packages, including for the whole family or for travel.

In 1992, the AlfaStrakhovanie insurance company opened its doors for the first time. Since then, reviews about it have not ceased to thunder in the media and the Internet, because the company has branches in almost every locality in Russia, and the range of its offers is almost unlimited. The AlfaStrakhovanie company includes the Alfa Group consortium, which also includes Alfa-Bank, Vympel-Com, X5 Retail Group, TNK-BP, Megafon and other giants.

There are AlfaStrakhovanie OJSC and Alfa-Strakhovanie-Life LLC: these two companies with similar names merged, and the result was AlfaStrakhovanie. User reviews do not single out one of the subcompanies, because their areas of activity are different: AlfaStrakhovanie-Life is engaged in purely life insurance of various types. At the same time, the total authorized capital of the company is more than 2.5 billion rubles, and the number of representative offices has exceeded 350.

If you are interested in Alfa Insurance, the reviews will also tell you about the highest security of investments. In 2003, the company was awarded the A++ reliability rating, which the Expert agency gives quite selectively, which says a lot. An insurer with such a rating undertakes to pay out all the money due to the client even in the event of economically difficult periods of its activity. The company is supported by many banks, for example, Raiffeisen-Bank, Moskommertsbank, Trust, MDM-Bank, Alfa-Bank and many others. In addition to these achievements, AlfaStrakhovanie is a member of the Anti-Terrorist and Russian Nuclear Insurance Pools, participates in the work of the All-Russian Union of Insurers and the British Chamber of Commerce and Industry. In 2008, the company was recognized as the best in the "Result and Success" nomination, and was also awarded the international financial stability rating.

If you have a desire to use the services of AlfaStrakhovanie, reviews of real people will help you decide on specific service packages. Among the companies that have entrusted themselves to AlfaStrakhovanie are Aeroflot, Wimm Bill Dann, Russian Railways, ID Kommersant, KMB-Bank and many others. In addition, the company employs people with many regalia and diplomas, and its staff regularly wins in the ratings of directors of various professional areas. The quality of customer service was awarded in 2007 and 2008 in a number of categories.

Good evening. I have been a client of the wonderful Alfa-Bank since 2008. I want to note that I am not an ordinary client, but a VIP client. I have recommended all my acquaintances and friends for many years and probably will continue to recommend becoming a client of this bank.

My relationship with the bank deteriorated a bit after May 2017.
In 2009, at Alfa-Bank, I executed the Alfa Insurance-Life "Children's Account" (ASZh) agreement (number No. All payments were made in Alfa-Bank, in Belyaevo.

In order not to take the contract with me every time, the then manager made a template in the program and I paid according to the template.
The next payment on May 6, 2017 scored "pay" and a week later I called Alfastrakhovanie to clarify the possibility of depositing funds. I was told in the call center that there is a grace period (40 days) for making the next payment, and I was "pleasantly" surprised that my contract was terminated unilaterally in 2011 for not paying the next installment and I was sent a letter to the registration address (when drawing up the contract and in 2011, I had different addresses).
Of course, I didn't receive any letter.

After repeated attempts to contact the Alfa Insurance-Life (ASZh) manager, I was finally offered to write an application for a redemption amount at the time of termination of the contract and plus all the amounts paid after that, which is within 6 years, or write an application for renewal of the contract, but without guarantees .

After that, I felt deceived and after such a boorish attitude of the manager and employees of the AlfaStrakhovaniya call center, I decided to contact Alfa-Bank, since the contract with me was terminated due to the incorrect indication of the contract number in the payments by the bank employee. From 2009 to 2011, in all bills, the correct contract number, after - in some 8 digits, in some - similar, but all wrong. The deputy manager of the DO Belyaevo suggested that I write a statement. Since Alfastrakhovanie lost my trust, I wrote an application for the return of the entire amount paid by me under the contract, compensation for damage (the ruble depreciated twice), find those responsible and punish. I wrote the application on May 25, 2017, on June 7 it was registered with Alfastrakhovanie (for almost two weeks no one could give me an answer). I wrote a claim on the Alfa-Bank website about the timing.

Finally, on June 30, I received a message that there was a decision on my application. I contacted the bank and received a decision, issued on June 16, that Alfastrakhovanie was offering me what the ASZH manager had offered me.

As I understand it, Alfastrakhovanie disclaims responsibility for the mistake of the Bank's employees and this is called partnership. After that, I do not advise all my friends to use Alfa Insurance products.
After the answer from ASZh, I still feel deceived and thrown by the VIP client of Alfa-Bank. I had to write this review because the bank employees shrugged, and I hope that the higher bank employees will solve my problem, make the right decision and reconsider their partnerships. And I hope I will remain a client of Alfa-Bank for many more years.