Choice. Plastic and insurance

He has designed a plastic card - get insurance. Some of the banks as a bonus to its "plasticity," offer a variety of free insurance policies. What are the advantages and disadvantages inherent in the product "two in one", and which of the banks offering the best content on it, figured D.
Free insurance on the cards - a bonus that increases customer loyalty.
Free "sewn" in the card is not insurance, many banks. Of those who offer them, along with the most "plastic" give the customer travel policy. Some, though not limited to travel insurance, and at his own expense to protect against the risks of fraud kartholderov. His generosity of banks are usually the owners of gold card holders as "plastic" at a lower level of insurance is offered on a fee basis.
Information blockade
Map with insurance from the usual "plastic" in terms of functionality is not different, because its action is not tied to insurance. Simply by getting "plastic" will give you for free also an insurance policy against the company - a partner bank. With all the issues and challenges for the insurance of the owner will have to apply not to the bank, but directly to the insurer. In this case the insurance cost for the customer pays the bank, and they are driven at the same time, of course, not patronage motives. "Each bank is to attract customers offering any bonuses. Free insurance on the cards - it is an extra service that increases customer loyalty," - explains the reasons bankers love Kukina, head of the deposit and payment products retail business of the Bank of Moscow. Banks with a bonus, like, on every street corner would have to shout about it a market advantage. However, in practice, everything is exactly the opposite: his "charity" does not bankers prefer to advertise. Convinced by personal experience: not yet pointeresueshsya availability of insurance, Consultant, painted your pros "plastic" of the bank, nothing about this to say. Some banks on the sites and did nothing about the insurance card. It is unclear how the client should know all about the existence of this service.
Even if you accidentally found out that a bank card tied to the policy, then what is the "fruit" will not be easy to find. The bank reported only the most superficial information: what is insured and for what amount of detail is advised to contact the insurer. In the insurance companies (IC), the answer is even more "comprehensive": "When you have a policy, it will read everything." The second most popular phrase: "Ask the bank, they will tell you everything." It happens that the insurance companies do not even know about the availability of programs with the banks. For example, in the company "Sogaz" I have ten minutes to no avail trying to prove to the consultant that Gazprombank issue cards to holders of their insurance policies. When the representative of the insurer said: "I finally can not understand Nitsche, it is human" - had to admit defeat and hang up. So, if you want to find out beforehand what risks you are free to insure the map will have to spend a lot of time, effort and nerves, and without any guarantee results. I collect the most information about the "plastic" city-states could no longer as an ordinary customer, but as a journalist, after a formal request to the banks and Insurance.
As an entry-level cards Visa Electron, MasterCard Maestro gives no insurance for Visa Classic and MasterCard Standard "polis" bonus offer, but the most common practice of awarding the holders of "VIP-plastic". "Charge" plastic "Gold and Platinum categories is much higher than that of nepremialnyh cards, so the bank has the ability of these funds to pay for insurance. Also provide insurance on conventional cards unprofitable, for it would have to pay more than we would receive from a client , "- says one banker. Some of the banks 'Freestuff' insurance only distribute to holders of debit cards (Bank of Moscow), and some, on the contrary, only "kreditchikam" (Citibank). Banks with free card-insurances can be suspected that in their "plastic" they are set above market rates. But no - the cost of insurance card to fit in completely average.
Travel Bonus
The main form of free "card" insurance, which is pushing banks - protection when traveling abroad, which includes payment of medical and transportation expenses during sudden illness or accident. This is the basic insurance, it is present in virtually all the "card" programs. As a rule, issued kartholderam not standard and specially designed by the insurance company for a particular bank's policy. This does not mean that it will be worse than the usual product of the same IC, often just the opposite. "We have insurance cardholders, except for the risks included in the standard insurance for citizens traveling abroad involves additional risks such as theft of baggage, delayed baggage arrival and departure, legal assistance when an accident involving the insured," - explains the benefits of insurance card his company, Oleg Shtynda, head of travel insurance Insurance "Consent". "We offer comprehensive insurance, it reflects all the risks. If a person individually purchased insurance for these risks, he would have to pay a pretty decent amount, but when you make a map of such a policy, he gets free," - says Larissa Antonova, head of the department sales and customer base development control travel insurance company "Ingosstrakh". The fact that banks, providing a certain stream of customers, SC sell policies at prices ten times less than the retail tariffs. A set of risks and the amount of coverage in the travel insurance policy depends on the card status to which it is issued: the status of the above, the insurance is better. Thus, the cards Visa Classic and MasterCard Standard, the Bank of Moscow, Rosbank, Master of the bank, "KIT Finance" (as in SB-Bank, even a gold card) under the insurance coverage falls short of 30 thousand needed to obtain a Schengen visa. If you want a "classic" card with free insurance for not buying a separate turpolis, the choice of one - the bank "Russian capital" (RC). For debit cards Classic and Standard had relied insurance policy to cover the $ 50 thousand
In terms of card has a nasty caveat - the Commission (0.1% in rubles, 1% in dollars) for cash withdrawals at ATMs of their own. And credit card will not be able to issue (the bank does not release them).
Some insurers effect of the policy is tied to the use of the card. For example, the terms "AIG Insurance and Reinsurance Company", the insurance will take effect only if you pay part of the trip "plastic." Most banks insurance covers the same for all the cards life journey, but also found a differential approach. For example, the "Absolut Bank" on the gold card policy covers the 92-day journey, and for platinum - is 125 days. The very policy is issued, usually either at the time of the card, or a year. Some other features of a "card" turstrahovok not. The process of recovery for them is no different from the procedure of filing and payment, valid for ordinary policyholders. Therefore, you should carefully read the terms of the contract of insurance, especially the section devoted to the deductible, that is, the amounts that the insurer will not pay under any circumstances. Best of all, if the contract you do not find the word franchise, but there will be points of accident insurance, liability, payment of legal services and the provision of collateral in case of accident, payment machines in the repair of accident compensation trip cancellation, flight delays, lost or delayed baggage. The presence of these risks suggests that to your card you received a free full-insurance policy.
If the policy is valid not only abroad but also in Russia, is ideal. Such insurance shall be issued to the two credit card bank VTB 24 - "Gold Card" (Visa Gold, MasterCard Gold) and "map travel" (Visa Gold, MasterCard Gold). Attached to them the policy is impressive by the fact that all risks are covered abroad, fully compensated, and when you travel to Russia. In other "pro" card programs (SDM-Bank, "Globex", SC) cut in the first place, a set of risks, and secondly, the amount of payouts. And the maps themselves VTB 24 offers interesting. Credit cards are combined, it is possible to park their money, use the card as a debit. For the use of "plastic" to pay at a rate of 18% per annum in rubles, but only after the expiry of the grace period (50 days). The advantages include low and the commission for the withdrawal of borrowed money - 1% (in the debit option fee for cash withdrawals not). Annual service "Gold Card" would cost three thousand rubles. "Map travel" is more expensive - five thousand rubles., But it has an option in the form of round the clock concierge service. So, on set, and insurance, and highly plastic "merit" these cards can be regarded as the best among the gold of the family, with free travel insurance policies. It is worth noting another coverage for "Gold" in Raiffeisenbank, installed on it is impressive the amount of compensation - $ 500 thousand
In the platinum sector - also taking into account the overall evaluation, and plastic, and insurance conditions - a clear leader is difficult to identify the most suitable for this role, perhaps the Russian Development Bank (RDB) and SB-bank. In the first Visa Platinum credit card is issued as a, but on it you can keep the money and personal. The cost of maintenance is small - seven thousand rubles., But not required security deposit (money that can not be removed from the card), as some competitors, and there is no fee for cash withdrawals, even credit. As regards insurance, the "foreign" policy with coverage of $ 100 thousand is filled with all the necessary risks, except for one - there is no insurance against accidents. This item is present in the insurance program supplied with the Visa Platinum for SB-bank. In addition, its "foreign" insurance policy set is the largest among the "platinum" the maximum amount of insurance reimbursement - $ 150 thousand
Protection money
In addition to "travel" policy, banks are free to its customers only make out insurance against card fraud. Under the financial protection does not fall all the risks associated with the use of "plastic". Covered only cases where the money from the card you began to disappear after it is lost or stolen. In compensation, you can also qualify if you are robbed while withdrawing cash from an ATM, or within two hours after that. However, this risk is present, not all insurance (the "plastic" Rosbank RK and it is not). Claims, insurers are considering only if you have blocked card no later than 48 hours of lost or stolen cards. To receive a copy of the application submitted will need to provide statements to the police (the police) that after the loss or theft of the "plastic" you have lost money from the account. If you are robbed at the time of withdrawing cash from an ATM, will also have to go to the police for help. Such insurance is valid not only in Russia but also in any other country in the world.
Given that the "fraudulent" insurance, most banks partner with AIG, the amount of protective coatings on the program in almost all the same: the cards Classic, Standard a year pay 30 thousand rubles. On Gold - 60 thousand, and in Platinum - 90 thousand rubles. Moreover, offset by only two insurance cases per year, that is, if you run out of cash limit at one time, and in the same year occurred the following incident, you get nothing. Alone among the partners of AIG holds RBR, it limits some reason, much less: Classic - $ 500, Gold - $ 1000, Platinum - $ 2000. The plan also allocated the maximum possible compensation Rosbank, who works not with AIG, but with the "consent". He had the cards Platinum upper limit is set at $ 5 thousand, however, do card terms of service do not look particularly attractive: the platinum is "plastic" $ 300 per year, the fee for cash withdrawals (0.8%), and in addition, $ 9 5 thousand will always keep on deposit insurance.
The best platinum "plastic" with a free program antivorovskoy today probably have Orgresbank. As leaders of his presence brings reimbursement to restore the documents that are lost or stolen, along with the card. Service Card at the bank for "platinum" standards is cheap - five thousand rubles. As for the gold credit cards, Citibank stands out here, he also uses the services of AIG, but with a maximum of "Golda," he did not have 60 thousand and 75 thousand rubles. Annual fee for the card - 2950 rubles., The rate - 28% per annum, however, have a grace period (50 days). By debit gold "plastic" is to recognize the best new Orgresbank.
And here is the classic card is difficult to identify clear winner, each bidder has disadvantages. "Plastic" RDB all good, but the coating on it two times less than the other, while the RK and Orgresbank for Classic and Standard are not insured risks robbery in collecting cash from the ATM, in addition, there are fees for cash withdrawals. If the banks, insuring the risks of fraud for free, you do not suit you, you can insure at his own expense. This option Raiffeisen Bank, Citibank and "Renaissance Credit" offer of credit cards and bank "Societe Generale Vostok" - on debit cards