If a person wants to protect himself and save money at the same time, he can take part in the accumulative insurance program. Using the service, a person must start making payments in accordance with the terms of the contract. When the period fixed in the agreement expires, the citizen will be able to receive a payment that can be directed to any purpose. If a person takes part in the CSG life, a personal login account will help him manage the transferred funds online. The service greatly simplifies the interaction with the insurer.
If a person decides to start using CSG Life, there are two ways to log into your personal account. Actions can be carried out using the official website of the company or the Rosgosstrakh life application.
With the help of the official website
If you choose the first method, you do not have to install additional software. The citizen will have to do the following:
- Go to the official resource of the company.
- Go to the "Personal Account" section.
- Enter your username and password, and click on the “Login” button.
If a person is a new user, you will need to first complete the registration procedure, indicating personal data. To do this, click on the inscription “get login and password”, and then follow the prompts of the system.
Through the official app
The Rosgosstrakh life application will need to be installed. The action can be performed by going to the official app store available on the mobile device that the citizen uses. Then you will have to download the program and wait until the system completes the installation. The application icon will appear in the device menu. By clicking on it, a person will be able to enter the program and start using it. To access the features of the application, you will need to register first.
Conclusion
The possibility of remote use of Rosgosstrakh services greatly simplifies interaction with the company. By managing the connected service online, a citizen can significantly save time. To access your personal account, you will need to go through the registration procedure. It is not difficult and can be performed by a citizen independently. If a person encounters problems in the process of performing an action, he can contact the company representatives by contacting the support service employees.
Rosgosstrakh is a Russian insurance organization that has been operating since 1921. Provides individuals and businesses with insurance services for transport, property, life, health, travel, liability, investment, pension savings. Rosgosstrakh's personal account has been implemented on the company's official website on the Internet (www.rgs.ru). The service was created to purchase insurance products, manage policies online.
Why do you need a personal account?
In the personal section of the site www.rgs.ru, customers can:
- Use calculators for online calculation of the cost of insurance.
- Monitor the status of purchased insurance products.
- Submit applications for the purchase / renewal of insurance online.
- Track the status of submitted applications for the purchase / renewal of policies.
- Submit applications for compensation in the event of an insured event, monitor the status of their consideration.
- View personal information and edit data.
- See personal offers and current promotions of the insurance company.
- Change password.
Most of the listed opportunities (calculation of the cost of policies and their purchase, filing an application in case of insured events, and others) are available on the site without registration and authorization. But it is more convenient for registered users to control the status of purchased policies and submitted applications.
Registration in a personal account
Registration in the system is available to those who have already purchased a Rosgosstrakh policy or are planning to purchase insurance. The procedure is carried out as follows:
- open the authorization page in the system;
- select the tab "I don't have a password yet";
- enter the phone number and e-mail;
- get a temporary password and enter it in the field of the registration form;
- go to your personal account and change the password to a permanent one.
Do you have a public services account? You can register in your Rosgosstrakh personal account using your ESIA account. You will need:
- agree to the terms of the transfer of personal data;
- click on the tab "Login via ESIA (Government Services)";
- log in to the State Services;
- enter e-mail;
- click the "Get confirmation code" button;
- receive a letter with a one-time code to confirm registration;
- enter the code and click on the “Login” button to log in to the system.
Login to your personal account Rosgosstrakh
For authorization in the system, click on the "Personal Account" button at the top right of the page on the website www.rgs.ru. Select the "I already have a password" tab. Authorization requires entering an email address (login) and a password.
To the right of the login form there is a button for recovering a forgotten/lost account password. The system will ask you to enter the email address associated with your account. An email will be sent to you with a temporary password. After the first authorization, the password is changed to a permanent one.
If you encounter problems with logging in or using your personal account, please contact the Rosgosstrakh hotline at toll-free numbers: 0530 (quick call from a mobile phone) and 8-800-200-0-900.
Mobile application Rosgosstrakh
In the App Store and Google Play, persons insured by Rosgosstrakh can download an application for free to access their personal account from tablets/smartphones on iOS and Android. The program allows you to purchase and renew insurance policies (including VHI, CASCO, OSAGO), track their statuses, receive personal offers from the insurer, etc. Separate registration for authorization in the application is not required - you enter it using your login and password from a personal account on the Rosgosstrakh website.
The organization has positively established itself in the Russian market and provides a range of services for various types of insurance to citizens, legal entities, including individual entrepreneurs and small businesses. For the convenience of service, the Rosgosstrakh company has the opportunity to create a personal account through which you can insure life, cars, real estate and other property.
How to register and login
To create your own account, you need to register on the official website https://www.rgs.ru/. You must click on the "My Account" button located in the upper right corner. After that, the system will take you to the page shown in the figure below.
If the client is a legal entity, he needs to tick the appropriate box. To get a temporary password that will open access to the account, you need to select the item "I don't have a password yet." At the same time, a form opens in which personal and passport data are entered, communication methods (mail and phone) are indicated, a scan of the identity card is uploaded, consent to data processing is confirmed and a temporary password is requested. And only after its introduction, the "Login" button will become available. When you first visit your account, it is recommended to change the temporary password to a permanent one.
If the system does not accept a new password, you need to pay attention to the number of characters - they should not be less than recommended. Latin letters of different registers and numbers must also be included. Confirmation of registration is carried out through the e-mail specified by the client. If the letter does not appear in the inbox, you should look in the spam folder.
Another way to register is to use the State Services portal. To do this, click on the "Login via ESIA" tab and fill in the fields in the dialog box that opens. After authorization, it is necessary to confirm the access permission for the CSG website, and the system will automatically create a personal account, without entering personal and passport data.
The next time you log in, just click on "My Account", select the left tab "I already have a password", enter the email address specified when creating the account, and your password. If it is forgotten or lost, you can also restore it here by clicking on the appropriate link.
Possibilities of the client's personal account
The personal account contains the following sections:
- profile;
- offers;
- insurance;
- selling online;
- orders;
- insured events.
The “My insurances” option will introduce you to the insurance programs offered by Rosgosstrakh, and in “My orders” you can remotely conclude an insurance contract and find out at what stage of processing it is. In the "Insured event" section, an application is submitted in the event of a precedent and the dynamics of resolving the issue is monitored. In your personal account, a preliminary calculation of the cost of insurance is also made using the built-in calculator.
For smartphone owners, it is possible to install a free mobile application and use all the functions of a personal account through it. To enter through it, you do not need to go through additional registration - just enter the login and password of the Rosgosstrakh account.
Important! To delete your account, you will have to visit the company office to apply. In this case, you must have an identity card.
Buying and paying for a policy online
To conclude an insurance contract and pay for it, there is a “Insure” tab in your account, when you click on it, the available offers of online services open.
In particular, directly in the office you can insure yourself before traveling around the country or abroad, insure your car, apartment during your absence, provide treatment in case of a serious illness and a tick bite.
To buy OSAGO insurance, you must click on the button of the same name, after which a form will open for filling out information. Information about the car is entered into it, then a preliminary calculation of the cost is made.
It is necessary to indicate information about the number and year of manufacture of the car, its make and model, as well as the personal and passport data of the driver, his registration address. After confirming the correctness of the entered information and registering on the PCA portal, the client pays the cost of the service using a card and receives a policy with a package of documents to the e-mail specified during registration.
The extension of the contract in essence is its re-execution, so the procedure is repeated: the calculation is made, the fields are filled in, the payment is made. The only advantage of renewing the contract is a reduction in its cost if the driver has not caused an accident within 12 months. The new policy will also be sent to your email.
"RGS Life" also offers to create a personal account. The personal account is available only after the conclusion of the contract. It can perform the following operations:
- make insurance payments free of charge;
- declare an insured event;
- manage the parameters of the investment agreement (cumulative type of insurance, which is a good alternative to bank loans).
To log into your account, you need to get a username and password. To do this, the site enters the mobile number specified when purchasing the insurance product, to which the entry code will be sent.
Rosgosstrakh previously offered clients to transfer pensions to their own fund. Registered users can find out about the status of accounts for compulsory or voluntary pension insurance on the website https://www.npfrgs.ru. Currently, the non-state pension fund "Rosgosstrakh" has become part of the NPF "Lukoil-Garant". So far, the old CSG office is also working for existing clients, but since autumn it is planned to transfer all data to the new portal.
1. Why are endowment life insurance programs more profitable than bank deposits or educational loans?
Insurance programs from RGS Life, as well as bank deposits, allow you to receive additional income. The main advantage of accumulative life insurance programs is insurance coverage for the entire duration of the contract. This means that if during the term of the contract the client is injured or seriously ill, he is paid money - and not from his personal savings, but entirely at the expense of the company. If you have entered into a long-term contract with RGS Life, then regardless of the number of payments received for injuries, the amount and contributions under the contract will remain unchanged. They are determined at the time of the conclusion of the contract.
2. How do insurance programs protect savings from inflation?
If real inflation is taken into account, then fixed income instruments can carry a hidden loss. RGS Life programs have potentially unlimited profitability, but, unlike stocks, they guarantee a return on investment in the event of negative dynamics. All accumulative programs of "RGS Life" are protected from inflation. First, you have the opportunity to participate in the insurance company's investment income. Secondly, you can include an additional condition “Insurance premium indexation” in your insurance policy. In addition, by entering into a long-term life insurance contract, you can qualify for a tax deduction.
3. From when and where is the insurance policy valid?
The insurance contract shall enter into force on the day following the date of its conclusion. However, individual risk coverage may take effect at a later date if specified in the contract. Your RGS Life insurance policy is valid all over the world, except for territories where a state of emergency has been declared or hostilities are taking place.
4. Under what conditions is it possible to cancel the insurance contract?
You can terminate the insurance contract early by submitting a written application. At the same time, the insurance contract provides for a period of up to two years, during which the redemption amount is not paid under it. If the insurance contract has been paid for more than two years, then the redemption amount is returned to you within the limits of the formed reserve on the day the contract is terminated. The redemption amount is specified at the conclusion of the contract.
5. What is the cooling period and what opportunities does it give the insured?
The cooling period is 5 business days from the date of conclusion of the insurance contract, during which you have the right to withdraw from the contract and receive a refund of the paid insurance premium. To do this, the holder of the insurance policy within the specified period must send a written application to the address of "RGS-Life" about the cancellation of the insurance contract. A prerequisite for the return is the absence of events that have signs of an insured event.
6. Who will get the savings and payout under the life insurance policy in the event of a divorce?
All accumulated savings and payment under a life insurance policy are not subject to division in the event of a divorce - this is guaranteed by Article 34 of the Family Code of the Russian Federation. In addition, the insurance policy is not property and is not subject to confiscation by a court decision (Article 934 of the Civil Code of the Russian Federation).
7. Can relatives sue the payment if people of my choice receive it?
The recipient of payments under the insurance policy is the person appointed by you - the Beneficiary (guaranteed by Article 934 of the Civil Code of the Russian Federation).
8. How do I get a life insurance tax deduction?
Since 2015, all clients who have signed long-term voluntary life insurance contracts (at least 5 years) can apply for a social tax deduction, provided that contributions are paid in 2015 and later. You can apply for a tax deduction in several ways - independently submit documents to the tax office or receive a benefit at the place of work. Also, a tax deduction can be issued online using the electronic service "RGS Life. Tax": https://nalog.rgslife.ru/
9. Can I manage my insurance program online?
The personal account of the RGS Life client - https://life.rgs.ru/life_cabinet/ - makes it possible to comfortably interact with the company online during the entire period of validity of the insurance policy. With the help of an individual customer account, you can make changes to the insurance contract, receive information about current and special promotions and events, order a call back for a consultation, clarify the necessary actions in case of an insured event, and much more.
RGS LIFE is an online service designed to simplify communications between the insurance company ROSGOSSTRAKH LIFE and its customers. Creating convenience and comfort when accessing the product, the company also launched a mobile application for IOS and Android called "CLIENT'S OFFICE".
The service allows you to receive information from the insurer in a timely manner, monitor the status of contractual relations. The user of the account got the opportunity, wherever he was, to keep in touch with the contact center to resolve the problem, obtain the necessary information, and the company - to notify the client in a timely manner about the current issues of his insurance.
Dear reader! Our articles talk about typical ways to resolve legal issues, but each case is unique.
If you want to know how to solve exactly your problem - contact the online consultant form on the right or call by phone.
It's fast and free!
Now, in many situations, it is not necessary to visit offices, representative offices. It is enough to have a "mobile office" in your pocket, bag, car. You can send an application, correspond without leaving your location. For those who are more comfortable with direct communication, a "call" and "call back" function has been created.
Advantages and disadvantages of this company
Rosgosstrakh Group is the leader in the domestic insurance market. Its constituent organizations and their branches are located in all cities and towns of Russia. Thanks to the online resource, new mobile versions, contact with the company and its product is available from any geographical point.
Extensive geographical presence is not the only advantage. The stability of the organization is evidenced by its many years of existence, also the largest client base of more than 43 million people and, accordingly, the largest insurance fund.
One of the criteria for the reliability of such companies is the variety of types of insurance, in the language of specialists - a diversified portfolio. Rosgosstrakh is also the leader in this position.
The company regularly publishes its financial statements, which indicates the openness of its work.
The presence of stable partners, cooperation with banks, implementation of investment projects confirm its high stability.
There are also negative points. In mid-2015, the Central Bank of Russia suspended the company's license for. However, to date, the factors that caused such actions of the regulator have been eliminated.
Cumulative life insurance in Rosgosstrakh and its cost
Accumulative insurance combines two types of investment: insurance itself and income from invested funds. As in the deposit, the person who has entered into such an agreement, at the end of its term, will receive the amount invested by him with the agreed interest.
In one package, ways to save money from life insurance and ways to invest to increase capital are combined. Part of the funds, the amount of which is agreed upon by the parties, is used by the insurer in active financial instruments that bring profit.
Protects against unexpected harm to health, at the same time - invested capital.
Price
The cost depends on the possibilities, wishes of the client, as well as the chosen service option.
Business insurance
In business, there are always risks of losses from the so-called force majeure circumstances: fires, man-made hazards, accidents. Often the threat to the stability of the company is associated with dishonorable actions of partners. An instrument for minimizing risks and their consequences is insurance.
How it works and what it protects against
Business insurance provides protection for:
- property;
- responsibility;
- production continuity.
An example of the protection of liability are the facts of accidents at potentially hazardous industries that caused injury to people. Fulfillment of the obligation of the enterprise to compensate for the harm caused with the participation of an insurance organization is the best solution.
Protection of the continuity of production, this is insurance against interruptions in the cycle of production activities. The loss of the results of the business process leads to a decrease in profits, unplanned costs to eliminate the cause.
Protection of property consists in full or partial coverage of the amount of damage caused by damage to the integrity of the objects of insurance, or its destruction by factors of an unforeseen and unintentional nature.
Price
Rosgosstrakh Group is constantly striving to make the service accessible to everyone, improve the quality of the product, and fully satisfy the needs of customers. When buying a policy, you should carefully read all its features. The insurance company uses all available means to inform interested parties about the peculiarities of the insurance agreement.
If, at the same time, a person experiences difficulties in independently assessing their perceived risks and making a decision on choosing a program, the company's staff is always ready to provide a full consultation, to offer a profitable solution for each specific case. Individual approach is one of the principles of the team.
