Russian Standard Insurance JSC is a medium-sized company specializing in life insurance and personal insurance. The company is part of Rustam Tariko's Russian Standard holding. At the end of 2017, the company ranked 31st in terms of collected insurance premiums among Russian insurers, 13th in terms of collections in the life insurance segment, and 21st in terms of accident and illness insurance. Sales of insurance products are carried out mainly to bank borrowers through the offices of Russian Standard Bank JSC throughout Russia. There are no own branches and representative offices. The head office of the company is located in Moscow.
The Russian Standard Insurance company was established in 2003 by the large bank Russian Standard to insure the life of consumer loan borrowers. A month after obtaining a license, 25% of the shares of the newly created insurer were bought by one of the largest French insurance companies Cardif, specializing in life insurance and pensions (part of one of the largest European financial groups BNP Paribas). The boom in consumer lending contributed to the active growth of the insurer's business.
According to the results of 2007, Russian Standard Insurance was among the top 30 largest players insurance market(3.9 billion rubles of insurance premium) and was the second largest life insurer. In the same year, Cardif sold its 25% stake in Russian Standard Insurance to the Russian Standard group (the reason for the sale was the close relationship of the insurer's business with Russian Standard Bank, due to which Cardif could not cooperate with other banks; subsequently Cardif created its own insurer). The amount of the transaction was estimated at 10-20 million dollars.
In 2011, Russian Standard Insurance entered the pension insurance market by purchasing the non-state pension fund Initiative (this fund, later renamed NPF Russian Standard, did not operate before the transaction). In 2012-2013, when the credit insurance segment was the driver of the Russian insurance market, the company continued to grow its business in partnership with Russian Standard Bank, ranking 22nd and 26th respectively among the largest insurers.
Currently, the company specializes in life insurance, accident and illness insurance, as well as voluntary medical insurance.
Russian Standard Insurance JSC is a member of the All-Russian Union of Insurers, the Association of European Businesses in Russia, the Association of Life Insurers.
The main shareholder of the company is Russian Standard-Invest LLC, which owns 99.99% of the shares. The remaining 0.001% of the shares are owned by Russian Standard Bank JSC. Both companies are members of the Russian Standard Group*, of which Rust Trading Limited is the majority shareholder. The ultimate controlling party of the Russian Standard Group is Rustam Tariko. The company owns a 100% stake in the authorized capital of Financial Consultant LLC. The main activity of Financial Consultant LLC is ancillary activities in the field of insurance and non-state pension provision and other business support services.
In 2012, the company achieved an increase in fees by 83.27% compared to the previous reporting year, collecting 8.14 billion rubles in premiums (the best ranking position). Subsequent years were marked by a significant reduction in the volume of receipts: in 2013-2014 - by 13.69% and 58.38%, respectively, and in 2015 - by 48.86%. The next two years, the company shows a stable increase in fees. In 2016, the volume of receipts increased by 42.5% (collected 2.13 billion rubles; 60th place in the ranking), and by the end of 2017, it almost tripled, reaching 6.16 billion rubles. In the structure of fees, the share of premiums under contracts with individuals amounted to 89.59%, with legal entities - 10.41%. In 2017, the company sold its products in 71 cities of Russia, while almost 37% of the collected insurance premiums came from collections in Moscow. The company's payments last year amounted to 82.78 million rubles, the level of payments - 1.34%. In the first half of 2018, the insurer received 2.88 billion rubles of premiums, which is 2.53% less than in the same period of the previous year (2.95 billion rubles in 2017). The amount of payments for this period amounted to 41.03 million rubles, the level of payments - 1.43%.
At the end of 2017, the company's insurance portfolio includes premiums for life insurance (78.35%), accident and health insurance (15.53%) and voluntary health insurance (6,12%).
In 2017, with the help of intermediaries, the insurer collected 5.5 billion rubles (89.14%), the average agency fee amounted to 14.26%.
In 2017, the insurer received 154.25 million rubles of net profit under RAS against a loss of 334.03 million rubles a year earlier. According to the consolidated IFRS financial statements, the amount total income of the company and its subsidiary in 2017 reached 1.3 billion rubles, which is more than 4 times higher than the figure of the previous year (in 2016 - 312.06 million rubles).
According to the individual reporting of the insurer for 2017, the number of full-time personnel amounted to 165 people, the number of agents-legal entities - 28 units, insurance agents- individuals– 7 people
"Expert RA" confirmed the company's reliability rating at B ++ "Satisfactory level of reliability" and withdrew it due to the expiration date (date of event - June 20, 2016). Before the recall, the rating was set to a negative outlook.
Management: Mikhail Kopitayko (general director), Ilya Shcherbakov, Yulia Alyokhina.
Partner bank: Russian Standard Bank JSC.
The company's clients are about 2 million citizens throughout Russia.
* Russian Standard Group is a financial and industrial group engaged in the production and distribution of alcoholic beverages, as well as the provision of banking, insurance and other financial services. The group was founded in 1992 by the leading Russian businessman Rustam Tariko. The number of personnel is more than 30 thousand employees. The members of the Group are also Bank Insurance Company LLC (engaged in insurance financial risks individuals), Russian Standard Bank JSC, Russian Standard NPF, Russian Standard Credit Bureau LLC, Imperia Private Banking (private Banking services), Russian Standard Vodka (production and distribution of alcoholic beverages) and other companies. Information about the financial performance of the Group is not disclosed.
The company with the full name "JOINT-STOCK COMPANY "RUSSIAN STANDARD STRAKHOVANIE"" was registered on March 25, 2003 in the Moscow region at the legal address: 107023, Moscow, M. Semenovskaya street, 9, building 1.
The registrar "" assigned the company TIN 7703370086 PSRN 1037703013688. Registration number in the Pension Fund: 087407002515. Registration number in the FSS: 773600950977181. Number of licenses issued to the company: 3.
Requisites
| OGRN | 1037703013688 |
| TIN | 7703370086 |
| checkpoint | 771801001 |
| Organizational and legal form (OPF) | Non-public joint-stock companies |
| Full name of the legal entity | JOINT STOCK COMPANY "RUSSIAN STANDARD INSURANCE" |
| Abbreviated name of the legal entity | JSC "RUSSIAN STANDARD INSURANCE" |
| Region | Moscow city |
| Legal address | 107023, Moscow, M. Semyonovskaya street, 9, building 1 |
| Registrar | |
| Name | Interdistrict Inspectorate of the Federal tax service No. 46 in Moscow, No. 7746 |
| The address | 125373, Moscow, Pokhodny proezd, household 3, building 2 |
| Date of registration | 25.03.2003 |
| Date of assignment of OGRN | 25.03.2003 |
| Accounting in the Federal Tax Service | |
| Registration date | 05.01.2017 |
| Tax authority | Inspectorate of the Federal Tax Service No. 18 for Moscow, No. 7718 |
| Information about registration in the FIU | |
| Registration number | 087407002515 |
| Date of registration | 24.02.2010 |
| Name of the territorial body | State Institution - Head Office pension fund Russian Federation No. 7 in Moscow and the Moscow Region, municipal district Preobrazhenskoye, Moscow, No. 087407 |
| Information about registration in the FSS | |
| Registration number | 773600950977181 |
| Date of registration | 05.12.2017 |
| Name of the executive body | Branch №18 State institution- Moscow regional branch of the Fund social insurance Russian Federation, №7718 |
Licenses
- License number: 1789
License date: 25.06.2012
25.06.2012
- Activities for the technical protection of confidential information
- FEDERAL SERVICE FOR TECHNICAL AND EXPORT CONTROL - License number: SJ No. 3748
License date: 31.07.2015
License start date: 07.08.2015
Name of the licensed type of activity for which the license was issued:
- Voluntary life insurance
Name of the licensing authority that issued or reissued the license: - License number: SL No. 3748
License date: 31.07.2015
License start date: 07.08.2015
Name of the licensed type of activity for which the license was issued:
- Voluntary personal insurance, with the exception of voluntary life insurance
Name of the licensing authority that issued or reissued the license:
- central bank Russian Federation
Affiliated companies
-
TIN: 5024044013, OGRN: 1025002882354
107023, Moscow, M.Semenovskaya street, 9, building 1, room VI room 7
Liquidator: Fedorov Andrey Petrovich
other information
History of changes in the Unified State Register of Legal Entities
- Date: 25.03.2003
UAH: 1037703013688
Tax authority:
Reason for the change: Creation of a legal entity - Date: 19.09.2003
UAH: 2037703043409
Tax authority: Inspectorate of the Ministry of the Russian Federation for taxes and fees No. 3 for the Central Administrative District of Moscow, No. 7703
Reason for the change: - Date: 25.03.2004
UAH: 2047744002007
Tax authority:
Reason for the change:
Documentation:
- CHANGES TO THE CHARTER
- PAYMENT ORDER - Date: 13.04.2004
UAH: 2047744002623
Tax authority: Interdistrict Inspectorate of the Ministry of the Russian Federation for Taxes and Dues No. 44 for Moscow, No. 7744
Reason for the change: Recognition of an entry made in the Unified State Register of Legal Entities in respect of a legal entity as invalid - Date: 13.04.2004
UAH: 2047744002634
Tax authority: Interdistrict Inspectorate of the Ministry of the Russian Federation for Taxes and Dues No. 44 for Moscow, No. 7744
Reason for the change: State registration of changes made to founding documents legal entity related to the introduction of changes in the information about the legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- CHANGES TO THE CHARTER
- PAYMENT ORDER
- MINUTES OF THE EXTRAORDINARY GENERAL MEETING OF SHAREHOLDERS - Date: 13.04.2004
UAH: 2047744002645
Tax authority: Interdistrict Inspectorate of the Ministry of the Russian Federation for Taxes and Dues No. 44 for Moscow, No. 7744
Reason for the change: Changing the information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- SOLE SHAREHOLDER DECISION
- SHARES PURCHASE AND SALE AGREEMENT - Date: 02.08.2004
UAH: 2047744008805
Tax authority: Interdistrict Inspectorate of the Ministry of the Russian Federation for Taxes and Dues No. 44 for Moscow, No. 7744
Reason for the change: State registration of changes made to the constituent documents of a legal entity related to changes in information about the legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- Р13001 Statement on amendments to constituent documents
- Charter of the legal entity
- PROTOCOL - Date: 06.01.2005
UAH: 2057703020670
Tax authority: Inspectorate of the Federal Tax Service No. 3 for Moscow., No. 7703
Reason for the change: - Date: 31.03.2006
UAH: 6067746151841
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: - Date: 09.11.2006
UAH: 2067759416668
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Changing the information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- APPLICATION (WITH APPENDICES)
- POWER OF ATTORNEY
- STATEMENT
- ENVELOPE
- RECEIPT - Date: 07.03.2007
UAH: 8077746018991
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Changing the information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- APPLICATION (WITH APPENDICES)
- OTHER - Date: 25.06.2007
UAH: 2077757144188
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Submission of information on the registration of a legal entity with a tax authority - Date: 25.06.2007
UAH: 2077757144298
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Submission of information on the registration of a legal entity with a tax authority - Date: 05.06.2008
UAH: 2087756221419
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: State registration of changes made to the constituent documents of a legal entity related to changes in information about the legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- APPLICATION (WITH APPENDICES)
- CHARTER
- POWER OF ATTORNEY
- ENVELOPE
- LETTER
- RECEIPT
- DOCUMENT ON PAYMENT OF THE STATE DUTY - Date: 18.11.2009
UAH: 7097748033673
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Changing the information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ON CHANGING INFORMATION NOT RELATED TO CHANGES. INSTITUTIONAL DOCUMENTS (clause 2.1)
- CONV - Date: 21.12.2009
UAH: 8097748706982
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: State registration of changes made to the constituent documents of a legal entity related to changes in information about the legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- CHARTER of legal entity
- DECISION TO AMEND THE FOUNDING DOCUMENTS
- COPY OF CHARTER
- LETTER OF GUARANTEE, COPY OF CERTIFICATE, LETTER, PAYMENT ORDER, ENVELOPE - Date: 09.02.2010
UAH: 6107746926248
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Submission of information on the registration of a legal entity as an insurer in the territorial body of the Pension Fund of the Russian Federation - Date: 25.02.2010
UAH: 7107746565645
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Submission of information on the registration of a legal entity as an insurer in the territorial body of the Pension Fund of the Russian Federation - Date: 05.08.2010
UAH: 9107747921162
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: State registration of changes made to the constituent documents of a legal entity related to changes in information about the legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- CHARTER of legal entity
- DECISION TO AMEND THE FOUNDING DOCUMENTS
- CHARTER COPY
- REQUEST, RECEIPT4739, ENVELOPE - Date: 20.06.2011
UAH: 9117746433301
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: State registration of changes made to the constituent documents of a legal entity related to changes in information about the legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- CHARTER of legal entity
- DECISION TO AMEND THE FOUNDING DOCUMENTS
- COPIES OF THE REPORT, NOTIFICATION
- COPY OF CHARTER, REQUEST
- PAYMENT DOCUMENT FOR THE PROVISION OF INFORMATION CONTAINED IN THE STATE REGISTER
- DOV-ST, CONV. - Date: 19.07.2012
UAH: 2127747170791
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Submission by the licensing authority of information on the grant of a license - Date: 21.04.2014
UAH: 8147746776356
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: State registration of changes made to the constituent documents of a legal entity related to changes in information about the legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- CHARTER of legal entity
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- POWER OF ATTORNEY - Date: 02.10.2014
UAH: 9147747144206
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Changing the information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- P14001 STATEMENT ON CHANGING INFORMATION NOT RELATED TO CHANGES. INSTITUTIONAL DOCUMENTS (clause 2.1)
- POWER OF ATTORNEY - Date: 23.03.2015
UAH: 6157746986281
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: State registration of changes made to the constituent documents of a legal entity related to changes in information about the legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- CHARTER of legal entity
- DECISION TO AMEND THE FOUNDING DOCUMENTS
- COPY ST.
- POWER OF ATTORNEY - Date: 31.03.2015
UAH: 7157746147970
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Making changes to the information about the legal entity contained in the Unified State Register of Legal Entities due to errors made by the registration authority
Documentation:
- ACT
- The decision to amend the Unified State Register of Legal Entities due to errors - Date: 25.02.2016
UAH: 6167746714118
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: - Date: 25.02.2016
UAH: 6167746715735
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Submission by the licensing authority of information on the reissuance of documents confirming the existence of a license (information on the extension of the license) - Date: 09.06.2016
UAH: 7167747886442
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Amendments to the information contained in the Unified State Register of Legal Entities in connection with the renaming (re-subordination) of address objects - Date: 09.09.2016
UAH: 8167748582070
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: - Date: 08.11.2016
UAH: 2167750135331
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Changing the information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- APPLICATION FORM P14001 - Date: 20.01.2017
UAH: 2177746458426
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Submission of information on the registration of a legal entity with a tax authority - Date: 30.01.2018
UAH: 7187746226860
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Submission of information on the registration of a legal entity as an insurant in the executive body of the Social Insurance Fund of the Russian Federation - Date: 14.02.2019
UAH: 6197746872460
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: Changing the information about a legal entity contained in the Unified State Register of Legal Entities
Documentation:
- APPLICATION FORM P14001 - Date: 26.06.2019
UAH: 8197747325933
Tax authority: Interdistrict Inspectorate of the Federal Tax Service No. 46 for Moscow, No. 7746
Reason for the change: State registration of changes made to the constituent documents of a legal entity related to changes in information about the legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- CHARTER of legal entity
- MINUTES OF THE GENERAL MEETING OF LEAGUE PARTICIPANTS
- OTHER DOCUMENT. IN ACCORDANCE WITH THE LEGISLATION OF THE RUSSIAN FEDERATION
In order to apply for a policy, you must go to and perform the following steps:
- Data input about the country of the trip, the duration of the trip and the number of insured persons.
- Choosing an insurance programand additional options.
- Make an online payment in any way possible:
- plastic cards of any issuing banks;
- payment systems Yandex.Money, WebMoney, Qiwi, Alfa-Click.
- Getting a policy by e-mail.
insurance policy along with traveler's memo sent to the specified email address in PDF format. The policy is digitally signed and has full legal force. It is sufficient for presentation to the consulate of any state when applying for a visa.
An example of a travel insurance policy and insurance conditions
About insurance company "Russian Standard"
"Russian Standard Insurance" - joint-stock company, a federal universal insurer. It ranks 29th according to RAEX in the list of reliable insurance companies.
Provides services to individuals and legal entities, offering profitable terms cooperation. It has branches and representative offices in large regions of Russia.
The portfolio of services includes 40 basic individual and comprehensive insurance programs, the main of which are:
For individuals:
- travels;
- motor transport;
- health and life;
- property;
- job loss;
- child protection.
For legal entities:
- motor transport;
- property;
- professional;
- liability Insurance.
Rating of the insurance company "Russian Standard"
According to the analytical center "Expert" in 2015, it entered the TOP-100 best insurance companies in the Urals and Siberia. At the end of 2015 Insurance Company"Russian Standard" occupies the following places:
- 19 - motor insurance (CASCO);
- 19 - accident insurance;
- 19 – volume of collected insurance premium;
- 7 - insurance in case of death.
Insurance company "Russian Standard" is included in the list of the largest insurance companies:
| Insurance Company | Reliability Rating |
| BIN Insurance | A |
| Help | A |
| Agreement | A+ |
| Russian standard | A+ |
| Ingosstrakh | A++ |
| Oranta Insurance | A+ |
| Renaissance Insurance | A+ |
| Reso Warranty | A++ |
| Rosgosstrakh | A++ |
| VSK | A++ |
Clients of the insurance company "Russian Standard"
The company's regional network covers 57 regions of Russia. The central office is represented in Moscow. The purchase of insurance products is possible in all branches of Russian Standard Bank JSC. The company's clients are more than two million individuals and more than 1000 legal entities:
- OJSC "Zarubezhstroytekhnologiya";
- CJSC "Armada SOFT";
- OOO Dannemann Sigarenfabrik GmbH;
- LLC "BRENNTAG"
Guarantees of the insurance company "Russian Standard"
In 2011, the authorized capital was increased to 240.038 million rubles due to the minimization of expenses. Own funds- 322 million, insurance reserve - 756 million rubles. Reinsurance of obligations is provided by "Moscow Reinsurance Company".
Licenses:
Products (services) of the insurance company "Russian Standard"
- Travel insurance. The Russian Standard insurance program is intended for persons traveling abroad. It provides for the provision of qualified medical care, hospitalization and the purchase of medicines in case of injury of any severity as a result of an accident, acute illness, exacerbation of chronic diseases and death. The insurance also includes medical evacuation and posthumous repatriation to the place permanent residence.
The provision of medical, transport and legal assistance is carried out by an international service company AP Companies.
- "Your right". Russian Standard policy provides protection property interests in case of unforeseen expenses for legal support (appraisers, experts, lawyers, lawyers). Includes 24/7 comprehensive legal protection.
- Accident insurance. The policy of the insurance company "Russian Standard" compensates for the costs of medical care, hospitalization, outpatient treatment and prescribed drugs for the child and loss of wages as a result of the sick leave.
- Travel insurance in Russia. "Russian Standard" provides a full range of medical, legal and advisory services to persons traveling in Russia - foreign citizens and Russians moving more than 100 km away from their place of permanent residence. Qualified medical care includes the services of doctors, diagnostics and, if necessary, hospitalization as a result of harm to health.
What determines the cost of insurance company "Russian Standard"
The cost of insurance depends on the territory and duration of the trip. coverage, which takes into account, including:
- when young children (under 1 year old) and pensioners (over 60 years old) are included in the policy;
- when connecting additional options - luggage insurance, flight cancellation or delay, legal assistance and liability to third parties.
Insurance calculator for persons traveling abroad
Via online calculator You will be able to calculate the cost of the policy of the insurance company "Russian Standard", choose the insurance program of interest and compare the cost of the policy "Russian Standard" with other insurance companies.