The country's economic situation today cannot be called stable. One after another, financial institutions are shutting down. Along with this, insurance companies are booming. People continue to worry about their lives and property. If we consider the reviews, the insurance company "Jaso" is most popular in Voronezh and Lipetsk. Although in other cities, people are actively using the services of the institution.
Basic information
The institution first began its activity in May 1991 as an organization for insurance of own risks. The company began to develop rapidly and in just a few years gained popularity among citizens. Until recently, the organization had 90 sales offices and more than 50 branches. However, the economic crisis affected this company. In 2016, most of the shares were sold to Sogaz Insurance Group. Despite this fact, the contracts executed earlier continue to be valid, but under different guidance.
In 2015, reviews about the Jaso insurance company were only positive. According to the Expert RA organization, the institution had an exceptionally high level of reliability. After the transfer of rights, the number of customers has decreased significantly. However, with the onset of 2017, people began to return to the insurance group again. To date, the sole owner of the shares is Sogaz. Services continue to be provided in full, but under a different license.
Adult Accident and Disease Insurance
If you consider the reviews about the company "Jaso", the most popular program used to be called "Standard". Any citizen of the Russian Federation who has reached the age of majority could issue it. The following insurance risks were included in the contract: temporary loss of general disability, traumatic injuries, permanent disability, death as a result of an accident. Protection can be applied around the clock or at a specific time period (at the option of the insured). The annual rate under the contract is 0.6%.
The contract may also include a package of risks for unemployed citizens, retirees, as well as women on maternity leave. Reviews show that the program is optimal for those who are worried about their own health. The company will not be able to protect against an accident. But the financial costs necessary for rehabilitation will be fully covered.
Next generation protection
The following program is also popular, according to reviews. Zhaso Insurance Company offers to protect the life and health of babies, schoolchildren, as well as full-time students. The contract can be concluded for any citizen of Russia aged 3 to 22 years. At the same time, students who study at the correspondence department of the university will not be able to participate in the program.
The following insurance risks may be included in the contract: traumatic injuries, temporary and permanent disability, death. It doesn’t matter if the child’s condition worsened as a result of an accident or illness. Programs that are executed for a certain period of time are popular. So, often an insurance contract is concluded for the holidays or for sporting events. The annual insurance rate, as in the previous case, is 0.6%. The insurance amount is determined individually in each case.
The program may also be for a group of children. In this case, the insurance rate will be 0.98%.
Family policy
Reviews of the Jaso insurance company show that family policies that allow you to conclude an agreement for both spouses and children are very popular. An important condition of the transaction is the cohabitation of relatives. At the same time, grandparents can also take part in the policy. All the same insurance risks are taken into account: traumatic injuries, temporary and permanent disability of family members, death of the insured person as a result of a long illness or accident.
A deal may be concluded for a year. The duration of the protection is provided around the clock. Unlike other family policy programs, only the same insurance amount may be set for each insured person. The tariff under the agreement will be 0.35% per year. The reviews show that depending on the type of activity of individual participants in the transaction, additional coefficients may be applied. So, if adults engage in hazardous activities, the tariff can be doubled.
Travel Insurance
Interesting programs were offered by the Zhaso insurance company in Saratov. Reviews show that here the most popular service was Traveler. The transaction can be concluded by people who plan a trip to recreation facilities and motels located within the Russian Federation. At the same time, rest should not involve extreme sports. The age of the insured person can be from 3 to 75 years. The client has the opportunity to independently determine the amount by which the transaction will be concluded, but it should be more than 500 thousand rubles.
The Traveler program cannot be valid for more than 31 days. At the same time, tariffs directly depend on the timing. Maximum rate - 0.2% of the insured amount. You will have to pay more if the transaction is concluded for a group of persons.
Extreme
This program is designed specifically for lovers of extreme relaxation, as well as for those who prefer to spend their holidays in extreme conditions. Also, participants in mass sporting events (competitions, races) can make a deal. What does the Jaso insurance company in Voronezh offer? The reviews show that here the Extreme program could be previously issued by any adult citizens of the Russian Federation. The insured person could be any person aged 3 to 75 years. Today, a similar deal can also be concluded. However, you will have to contact the Sogaz representative.
A deal may be concluded for a maximum of 31 days. In fact, the conditions are the same as with the Traveler program. But the risks are higher, and therefore the tariffs are different. The client will need to pay 0.4% of the sum insured, which is determined individually in a particular case (not more than 500 thousand rubles). As in the previous case, higher tariffs will be subject to the completion of a transaction for a group of persons.
CASCO
What does the Zhaso insurance company in Volgograd offer? Reviews show that here, as in other branches, CASCO transactions were popular. This is a voluntary type of vehicle insurance against theft and damage. According to the contract, insurance risks could include: robbery, robbery, theft, theft of property from a car. The damage that may be caused to the vehicle during a traffic accident, fire, collision with animals and birds, illegal actions of third parties is also taken into account.
The insurance rate is individual for each vehicle owner. It matters whether the anti-theft system is installed, whether the vehicle has been serviced. It takes into account the age of the machine, its condition at the time of the transaction. If the car is stored in the garage at night, the insurance rate will be much lower.
To draw up a contract, the car owner must provide a technical passport for the vehicle, as well as identity documents.
CTP
Still many interesting products were previously offered by the Jaso insurance company. Reviews about CASCO show that many car owners are eager to pay money for confidence in the integrity and safety of the car. Convenient conditions were offered by the insurance company under the CTP program. This is a compulsory liability policy for car owners. According to the transaction, in the event of a traffic accident, the driver pays for the damage caused to the victim.
This type of insurance is mandatory today. If the driver is stopped by a traffic cop and notices the absence of a policy, he will immediately write a fine. An insurance contract under the MTPL program can be concluded for a year, then it should be extended. The reviews show that today it is no longer possible to conclude a deal with the Jaso company. All rights are transferred to Sogaz. Previously issued policies continue to apply.
Property insurance
More recently, actively promoted property insurance programs "Jaso" (insurance company in Lipetsk). Reviews showed that the most popular transactions related to mortgages. The client had the opportunity to form financial protection in case of death or disability. In the event of an accident, the insurance company assumes the obligation to pay mortgage installments.
House and apartment insurance programs in Jaso were also popular. The insurance company in Krasnodar, reviews of which can be heard for the most part positive, concluded the largest number of such contracts.
The following risks were taken into account: flood, explosion, fire, illegal actions of third parties, accidents during repair and construction works. Upon the occurrence of an insured event, the company undertook to fully indemnify the damage. Today with "Jaso" transactions of this kind can no longer be concluded. However, all agreements signed earlier are fully valid. The Sogaz insurance group assumed the obligation to pay.
Compulsory Health Insurance
Reviews of the Jaso insurance company show that earlier, almost all citizens of the Russian Federation could have acquired the policy of compulsory medical insurance here. Branches worked in many cities of the capital both in megacities and in provinces. The state system of protection of citizens makes it possible to receive qualified medical care in a variety of cases. At the same time, age, gender, social status and place of residence does not matter.
The largest number of compulsory medical insurance policies was sold by Jaso (insurance company) in Krasnodar. The reviews showed that the company was very popular in this region. Today, residents of Krasnodar are actively cooperating with the representative offices of Sogaz.
Transfer of ownership: reviews
Jaso Insurance Company ceased operations in 2016. In this regard, the customers who served here earlier had a number of questions. The reviews show that the conditions for previously concluded contracts have not changed. The only things to pay attention to are the details for which insurance premiums must be paid.
What to do when an insured event occurs? Reviews show that there should not be any problems. The incident must be reported to Sogaz by the hotline number indicated on the organization’s website. To receive the payment, it is necessary to prepare identity documents, as well as a medical confirmation of what happened.