Alliance is one of the leading insurance companies in Russia, which has been operating in the domestic insurance market since 1991 and provides all possible types of insurance to legal entities and individuals. With us you can calculate using an online calculator, issue and receive the following insurance policies from the Alliance company with home delivery: CASCO, OSAGO, Green Card, real estate insurance, health insurance and travel insurance.
history of the company
Insurance company "Alliance" was established in 1991 as Open Joint Stock Company "Russian People's Insurance Society "ROSNO". The founder of the company was the Federation of Independent Trade Unions of Russia. In 2001, Allianz, a large German insurer, bought a 45% stake in ROSNO. And during 2007-2008, the company consolidated almost 100% of the shares of ROSNO in its ownership, as a result of which the controlling stake passed to Allianz New Europe Holding GMBH (a division of Allianz in Central and Eastern Europe).
Renaming from "Rosno" to "Alliance"
At the end of 2011, the open joint-stock company Insurance Company ROSNO was renamed OJSC IC Alliance. And at the beginning of 2012, the following companies merged under the Alliance Insurance Company brand: "ROSNO", "Progress-Garant", SAC "Alliance". Today, the Allianz Group of Companies in Russia includes: ROSNO-MS OJSC, Medexpress OJSC, My Clinic OJSC, Alliance Investments OJSC, NPF Alliance, IC Alliance ROSNO Life and Medical Center LLC "Progress-Med".
Insurance company "Alliance" has licenses for all types of insurance for individuals and legal entities. In total, the company's insurance package includes 130 types of compulsory and voluntary insurance. And every year and the emergence of new products in the world of insurance, the range of the company’s services expands.
Private individuals
For individuals, the Alliance company offers the following types of services: property insurance (apartment, house, mortgage); car insurance (CASCO, OSAGO, Green Card, additional programs); health insurance (programs related to medicine and accident insurance); travel insurance (tourist insurance when traveling abroad); as well as title insurance, property insurance during departure, pet insurance and more.
Legal entities
Corporate clients of the Alliance insurance company can take advantage of the following services: insurance of corporate property against fire, natural disasters and other risks; special personnel insurance programs; compulsory liability insurance of passenger carriers, SRO members, and dangerous objects; insurance of automobile, railway, water and air transport; insurance of cargo and liability of cargo carriers.
Geography of the Alliance
Today, more than 17 million people and over 50 thousand legal entities have insurance contracts and insurance policies with the Alliance company. The company's regional network includes 92 branches, 2 representative offices and 488 sales offices, united in 8 territorial directorates. Subsidiaries of OJSC IC "Alliance" are OJSC "ROSNO-MS", OJSC "Alliance ROSNO Asset Management", SJSC "Medexpress", OJSC "My Clinic". There is also a subsidiary of Alliance in Ukraine - ALC Allianz Ukraine.
Ratings and reviews of IC "Alliance"
Russian and international rating agencies awarded the Alliance insurance company with high ratings. Thus, according to the Expert RA agency, the Alliance company received an A++ reliability rating (high level of reliability with positive prospects); and according to Moody’s Interfax Rating Agency - long-term credit rating on the national scale = Aaa.ru, which means the highest level of creditworthiness.
In addition to insurance activities, the Alliance company participates in the work of a mass of public and non-profit organizations: the All-Russian Union of Insurers, the Russian Union of Auto Insurers, the National Union of Liability Insurers, the National Union of Agricultural Insurers, the Union of Marine Insurers, the Russian Association of Aviation and Space Insurers, the Russian Bureau of the Green Card. , National Association of Insurers of the Nuclear Industry, All-Russian public organization of small and medium-sized businesses “Support of Russia”, Russian Union of Industrialists and Entrepreneurs, Association of European Businesses, etc.
Our insurance calculators
You can simply and quickly obtain an insurance policy from the Alliance company without even leaving home. Now this does not require visiting the company’s office on your own and studying many options and calculations in search of the optimal solution. To, or, simply enter the necessary data into the online calculator form on our website and you will be offered the best insurance options. After this, you can simply purchase a policy on the website and have it delivered to your home or office.
When an individual or legal entity is faced with the choice of an insurance company for concluding voluntary health insurance, it is necessary to study the information presented on the official website and read reviews from clients of the insurance company. Alliance is one of the international companies. You will learn more about the VHI Alliance program below.
About Alliance
Allianz insurance company is one of the leaders worldwide in the field of insurance services. They began to prove their reliability in 1890. The company's representative office began operating in the Russian Federation in 1990. The activities of the insurance company are aimed at providing clients with a decent level of their services. More than 100 thousand employees are developing new programs and practices. VHI Alliance belongs to the list of popular insurance products.
Advantages of Alliance VHI
The benefits of the Alliance insurer will include the following:
- Their personal manager works with clients, which guarantees quality service.
- By concluding a contract, a person receives a wide range of services in the event of an insured event.
- The standard VHI package has no limits on the number of medical services.
- The Alliance bears financial responsibility to its clients.
- Insurance payments significantly exceed the amount of the insurance advance.
- Wide network of activities. This advantage is due to the fact that the insurance company operates around the world and in many cities of the Russian Federation.
Clients have the opportunity to additionally include other conditions at their discretion. Highly qualified specialists always work to improve programs and develop new insurance products. In this case, the interests of citizens of a particular country are taken into account, as well as the peculiarities of the activities of a legal entity.
Programs for legal entities
Enterprise management can insure their employees under the VHI program. The Alliance can offer another insurance option - voluntary health insurance with a deductible. At the same time, the franchise makes it possible to save money when taking out a policy. In addition, they can expand the package of services to include healthcare facilities and insurance for family members.
What's included
The personal service program will include:
- dental assistance;
- outpatient and outpatient services;
- medical assistance at a convenient address for the client.
In addition to these services, you can additionally include:
- rehabilitation after illness;
- inpatient care as planned;
- Receiving calls 24/7 at the Alliance contact center.
- emergency medical care.
A voluntary health insurance agreement with a franchise helps the company’s management save money. Additionally, it may include a medical facility and this will not significantly affect the cost. This savings makes it possible to insure family members. This insurance program is aimed not only at providing medical care, but also at preventing the onset of diseases.
Price
By concluding an agreement with a 10% franchise, a person saves up to 25%. So the average cost of a policy for residents of the capital will be twenty-seven thousand rubles.
VHI programs for individuals
The company can offer the following options for individuals:
- Children.
- VHI Emergency assistance.
- International insurance.
- Best Doctor.
- Management of pregnancy and childbirth.
- VHI "Standard".
Additionally, a person can include conditions that interest him.
Alliance Life will ensure that relatives receive funds if the insured person dies after an accident.
Conditions
Under the terms of international insurance, in the event of risks, a room for two is provided, assistance in detecting cancer, and transportation of the insured person. In addition, care is provided during an inpatient stay in a medical facility. The program may additionally include outpatient and dental care, repatriation.
Voluntary health insurance under the Best Doctor program involves treatment of critical illnesses. Medical care is provided in medical institutions with a high level of qualifications.
When concluding an agreement to insure a child, he will be provided with medical care at an address convenient for the parents. Parents can insure children from birth to 17 years of age. The contract includes patronage for up to three years.
An emergency care policy implies the ability to call a doctor an unlimited number of times and, if necessary, hospitalization.
Pregnant women can contact an insurance company to conclude a contract while pregnant.
The Standard program provides for the following risks:
- poisoning;
- chronic illness;
- injury;
- acute illness.
When an insured event occurs, the insurer is obliged to make a payment.
Price
All rates for health insurance may vary depending on the city of residence and the age of the client. If a person whose age is older than average applies, the price of the policies will be higher. An individual insurance premium will be calculated for each client after indicating on the website in the form after selecting an insurance product. A company specialist will call the client back and inform them of the cost of the policy. Also, the calculated data can be sent electronically to the applicant’s email.
How to apply for a VHI policy in Alliance
Representatives of a legal entity can contact an Alliance specialist, and he will select the most suitable package of services. In this case, the financial situation and specifics of the enterprise’s activities will be taken into account. You can also call the hotline number: +7 495 232-33-33 . Another way to apply for a policy is to send a request to the organization’s email: [email protected] .
According to the rules for registering VHI Alliance, the program is chosen by an individual at his own discretion. To register and preliminary calculate the cost of the policy, a person needs to enter his last name, first name, patronymic, telephone number, email address and agree to the processing of personal data. After this, a personal account is assigned to the person. When IC issues an invoice, clients can pay it on the Alliance website by selecting the desired insurance option.
What documents will you need?
When contacting an insurance company, individuals must have the following documents with them:
- passport;
- individual number assigned by the tax service;
- compulsory health insurance policy.
When a representative of a legal entity applies, he needs to provide the following documentation:
- certificate of state registration;
- document containing financial statements.
If you are conducting business activities for which you need to obtain a license, a copy of this document should be attached to the package of papers.
Before visiting the company, the authorized person is required to issue a power of attorney, which indicates the right to conclude an agreement on behalf of the legal entity.
Where and how to contact the insured
To receive advice on further actions, the insured person can call the following phone number: 8 800 100 58 00. Citizens also have the opportunity to write a letter to the SK email [email protected]. Call center specialists will answer your questions and tell you how and which doctor to contact. The policy specifies cases in the event of which it is necessary to obtain approval from the insurance company. Such cases will include risks associated with:
- undergoing treatment in a hospital;
- expensive procedures.
Pre-approval may help arrange transportation to a medical facility. To do this, you need to call the following phone number: +7 495 956 2900. When the disease occurs outside the Russian Federation, the insured person electronically fills out an application form downloaded from the Alliance website for approval. If approval is not required and the person receives a hospital bill, the clinic must pay it. After this, an application is filled out with requirements to pay insurance compensation. The list of clinics in which Alliance insured persons is wide. This is due to the fact that citizens can go to any medical institution.
Alliance ROSNO Life company is an organization specializing in pension, savings and various life insurance options. In 2013 was renamed Allianz Life.
Ensuring operational efficiency in the insurance company Alliance ROSNO Life
The insurance company Alliance ROSNO Life offers several programs to ensure health, life and protection from accidents. The Risk Control product allows you to determine a convenient currency for paying for your policy. Provides the following risks:
- injury: loss of performance;
- accident: disability;
- accident: death.
When the first two situations occur, the amount of compensation is calculated according to the tariffs determined for each disability group or type of injury. In case of the latter, the full amount of insurance coverage is paid. There is an age requirement for clients - up to 65 years. The policy validity period is one year.
Other products in this direction are represented by the following programs:
- Risk control for children - the ability to issue a policy for a child over 1 year old;
- The ABC of protection - provides, in addition to the above, such risks as diagnosis of a fatal disease, partial or complete loss of ability to work, as well as death from any cause;
- Alliance Club - intended for clients involved in sports, who are members of a sports section, club, going to camps, etc.
Life insurance in SK Alliance ROSNO Life
SK Alliance ROSNO Life offers a life support program that makes it possible to receive advice from foreign medical centers without traveling abroad (additional free service), and also involves the return of part of the fees paid by the client at the end of the contract. It covers the following risks:
- survival;
- death by accident or from any cause;
- diagnosing a fatal disease;
- sustaining severe injuries due to injuries;
- hospitalization.
The client can enter into a contract for a period of 10 to 20 years, if he is under 55 years old, and also include two children aged two years or older in the policy.
Savings programs LLC SK Alliance ROSNO Life
SK Alliance ROSNO Life LLC offers several long-term insurance services. In this case, the client receives coverage against the occurrence of injury, disability, loss of ability to work or death. If the client survives until the contract term, the client will receive the full amount of insurance coverage. A citizen under the age of 60 can take out insurance for any period and by choosing a currency. The program also provides for changes in the level of inflation and indexes contributions. Using this service, you can also receive payments to repay the loan in the event of an insurance situation.
In addition, you can enter into an agreement to create savings for children (from 1 year). The contract is signed for a period of 5 to 30 years, the client should not be more than 75 years old at the time of its expiration. In the event of the client's death, the child will receive a payment at the end of the policy. If the client survives until this period, coverage is issued to him. As part of the program, you can additionally take out accident insurance policies for yourself and your child.
Investment products LLC Alliance ROSNO Life
For clients wishing to invest their funds to generate income, Alliance ROSNO Life (LLC) has developed the Alliance Active+ program, which offers the following opportunities:
- stock market fluctuations will not affect investments;
- investment management in the long term to obtain greater returns;
- choice of investment strategy or combination (currencies, gold, oil, RTS index).
In addition, the client receives the security inherent in a life insurance product.
Pension programs Alliance ROSNO Life
As part of the pension provision, the ROSNO Life Alliance operates a program designed for women up to 54 years of age and men up to 59 years of age and which allows you to determine the amount of future pension payments. You can also expect to receive a certain income from the company's investments. The client will receive a pension monthly upon reaching the legally required age or in the event of disability. In the latter case, the citizen is also released from the obligation to make contributions.
The Golden Time product allows you to combine the size and order of payments (for life, at a time or over a certain period). As part of the project, the client can determine the period from which he will begin to receive this pension, without waiting for the required age. If the client dies before the end of the policy, all funds contributed by him will go to the heirs, and the company will also pay a portion of the income from its investments. The program can include an additional clause of protection against disability, which provides exemption from mandatory payment of contributions.
Alliance ROSNO - life insurance - Call the Allianz Life call center within 30 days from the day you became aware of the occurrence of an insured event:
8 800 100-0545 for free calls from regions
+7 495 232-0100 for calls from Moscow
Provide the name of the Insured, policy number, date of the insured event and diagnosis. You can also contact any office of the company, your financial advisor, or send an email to [email protected]
- Fill out an application for insurance payment indicating the last name, first name and patronymic of the Insured, Policy number, date and circumstances of the occurrence of the insured event, the desired method of receiving insurance payment, indicating all the necessary details. The application form is contained in this brochure, as well as on the website allianzlife.ru or in the Allianz Life offices.
- Collect a package of documents to receive insurance compensation - the company’s employees will tell you how to do this correctly.
- Submit the signed application and package of documents for examination to the nearest Allianz Life office or send by mail to the head office address. You can always find out about the progress of the examination by calling the call center.
- After the examination, you will receive a notification letter from Allianz Life about the decision made and the amount of insurance payment. The insurance payment is made by transfer to a personal bank account (bank card) to the details specified by you in the application for insurance payment or to the balance of the insurance contract.
Documents for receiving insurance payment:
- According to the risk of partial disability (injury):
- A copy of the first page of the Policy
- Certificate from the trauma center
- X-rays (in case of bone trauma)
- Certificate of incapacity for work
- According to the risk of primary diagnosis of critical illnesses:
- A copy of the first page of the Policy
- A copy of the identity document of the Insured
- Extract from the medical record of an outpatient or inpatient* (discharge summary)
- The original patient's outpatient card or an extract from the patient's outpatient card*, containing information about all requests for medical care before concluding an insurance contract
- According to the risks of disability:
- A copy of the first page of the Policy
- A copy of the identity document of the Insured
- Conclusion of the Bureau of Medical and Social Expertise on the establishment of a disability group
- Extract from the examination report of the Bureau of Medical and Social Expertise
- Extract from the medical record of an outpatient or inpatient* (discharge summary)
- According to the risk of death:
- Original Policy
- Copy of the Beneficiary's identity document
- Death certificate issued by the Civil Registry Office
- Medical death certificate
- A copy of the pathological autopsy report or a statement from relatives refusing an autopsy
- Post-mortem epicrisis* (in case of death in a medical facility)
- The original of the patient's outpatient card or an extract from the patient's outpatient card*, containing information about all requests for medical care before the conclusion of the insurance contract
- A copy of the certificate of entry into inheritance rights (if the policy does not indicate a Beneficiary)
- According to survival risk:
- Original Policy
- A copy of the identity document of the Insured
- In case of an accident (if registration is required by law):
- Protocol from the accident scene
- Resolution in a case of an administrative offense or a ruling on refusal to initiate a case of an administrative offense
- Resolution on recognition as a victim
- Resolution to initiate a criminal case or a resolution to refuse to initiate a criminal case
- Resolution to suspend criminal proceedings
- Resolution to terminate the criminal case
- The verdict of the court of first instance, which entered into legal force
- Other documents from law enforcement agencies
- In case of an accident at work:
Extract from the ATS protocol, report on an accident and/or at work.
* the extract (epicrisis) must contain the full name, age, full diagnosis, description of the studies performed, description of the prescribed and carried out treatment, terms of treatment, data on intoxication (alcohol, drugs, toxic) at the time of application. The extract (epicrisis) must be signed by the chief physician or other authorized person and certified by the seal of the medical institution.
LLC IC "Alliance Life" is a medium-sized insurance company specializing in life insurance. At the end of 2017, the company took 24th place in terms of insurance premiums among Russian insurers, fifth place in terms of fees in the VHI segment, and 17th place among life insurers. The regional network includes 25 representative offices in Russian cities. The company's head office is located in Moscow.
Allianz Life was established in 2003 as the Life company. A year later, a small insurer, which practically did not carry out operations, was bought for 5 million rubles by one of the largest insurance companies ROSNO (45% of ROSNO shares were owned by the German insurer Allianz, 49% by the holding company AFK Sistema, the remaining shares belonged to the company’s management).
The new subsidiary, called Allianz ROSNO Life, focused on the development of endowment life insurance in Moscow and in the regions.
When selling life insurance policies, Allianz ROSNO Life placed special emphasis on the agent sales channel, while simultaneously developing cooperation with banks and brokers. By the beginning of 2005, the company began active sales in the regions - life insurance policies were offered in ROSNO divisions in most large Russian cities.
The Allianz ROSNO Life business grew at a rate significantly higher than the market rate. At the end of 2006, the company occupied 8.3% of the Russian life insurance market.
At the beginning of 2007, the Allianz group bought a stake in ROSNO that belonged to AFK Sistema. Then, almost the entire portfolio of contracts of another Russian life insurance subsidiary of Allianz, Alliance Life, was transferred to Allianz ROSNO Life.
During the crisis years, the company also continued to show impressive development dynamics, growing its business faster than the overall market. At the end of 2009, Allianz ROSNO Life took 8th place among the largest Russian life insurers (collections amounted to 643.4 million rubles).
By 2012, Allianz ROSNO Life had completely completed the consolidation of the portfolios of Alliance Life and the life insurance subsidiary of the Progress-Garant company (Allianz bought this company in the fall of 2007). Since March 2013, Allianz ROSNO Life began to operate under the Alliance Life brand.
In January 2016, IC Alliance Life notified that it had completed the procedure for accepting a portfolio of voluntary health insurance from IC Alliance. A month later, the company announced the acceptance of a life insurance portfolio from Alliance Insurance Company. Thus, since 2016, having combined voluntary health insurance, life insurance, pensions, accident insurance and investment insurance in one company, IC Alliance Life LLC has focused on offering a comprehensive package of products for personnel insurance.
Currently, the company's main activities are: investment insurance, retail life insurance, borrower life insurance and voluntary medical insurance.
The company is a member of the Committee of the All-Russian Union of Insurers for the Development of Life Insurance and the Association of Life Insurers.
The main participant of the company is the insurance company Allianz New Europe Holding GMBH (a division of the leading international insurer Allianz SE in Central and Eastern Europe), owning 99.9% of shares in the authorized capital. A share of 0.1% belongs to the Russian insurance company OJSC IC Alliance.
According to the insurer’s individual reporting for 2017, the number of legal entity insurance agents was 33, and individual insurance agents were 293.
Supervisor: Svetlana Amshannikova (CEO).
Board of Directors: Petros Papanikolaou (Chairman), Kai Müller, Mario Ferrero, Alexander Protsenko, Nikolai Klekovkin, Phillip Gronemeier.
Governing body: Svetlana Amshannikova (General Director, Chairman of the Board), Rauf Veliyev, Anastasia Yanovskaya.
Allianz Life's clients include more than 390 thousand individuals and over 830 companies.
Reinsurance partners: leading global reinsurers such as Allianz SE, Swiss Re and Gen Re.