Insurance for individuals
From everyday risks to a corporate program. Choose a line — we will compare the terms together.
OSAGO (compulsory motor liability insurance)
OSAGO pays for the harm you cause to others in a road accident: up to RUB 400,000 for property and RUB 500,000 for life and health. How the price is set and how to claim.
KASKO (motor own-damage insurance)
KASKO protects your car against damage and theft regardless of fault. The risks and deductibles available, what drives the price and how to avoid a refused claim.
Travel insurance (VZR)
Travel insurance pays for medical treatment, transport and other costs during a trip abroad. How to choose the sum insured and options, what a visa requires and how to buy online.
Mortgage insurance
With a mortgage, the law requires insuring only the collateral; life and title cover are optional but affect the rate. How to choose an insurer, save and get a refund.
Home and apartment insurance
A policy for a flat or house protects finishes, structure and belongings against water leaks, fire and theft, plus your liability to neighbours. What to choose and how to claim.
Personal accident insurance
Accident insurance pays money for injury, hospital stays, disability or death. How it differs from voluntary health insurance (DMS), how to choose a plan and how to claim.
Life insurance
Life insurance protects your family against lost income and helps you save. Term, endowment and investment plans, the tax deduction and ASV guarantees from 2027.
DMS — voluntary medical insurance
DMS pays for treatment at private and departmental clinics under the chosen programme. How it differs from OMS, what drives the price and how to recover part of your income tax.
Critical illness insurance
A critical illness policy pays money or covers treatment for cancer, heart attack, stroke and other serious diagnoses. How it works and what matters in the terms.
Pet insurance
Pet insurance pays for vet treatment, protects the owner against claims for harm caused by the animal and compensates the pet's death. What is included and how to choose.
Green Card (international motor insurance)
The Green Card is international motor liability insurance. Why Russian policies have not worked since 2023, what the Blue Card is and how to drive abroad in your own car.
Insurance reference
Materials on mandatory and optional insurance and services for individuals and businesses.
We'll help you choose protection.
Tell us about your needs. We will clarify the risks and prepare a quote request.