reference Information
LLC IC "Capital Policy Med" is part of the group of companies "Capital Policy" and carries out compulsory health insurance.
The greatest activity in the work of the insurance company began in 2000, when the Governor of St. Petersburg, by Order 2-R of 14.01.2000, introduces the production principle of insurance on the territory of St. Petersburg. This means that the working population under CHI is insured at the place of work. This type of medical insurance is mandatory for all enterprises, organizations and institutions located on the territory of St. Petersburg, and is carried out on a non-commercial basis without additional allocation of financial resources.
LLC IC "Capital Policy Med" has the opportunity to organize medical care in medical institutions equipped with modern equipment. This allows you to quickly resolve the issues of providing insured citizens with expensive medical services (tomography, radioisotope, angiography, ultrasound and other studies), hospitalization and assistance in day hospitals and outpatient surgery centers.
More than 10,000 enterprises, organizations and institutions are insured and partners of IC "Capital Policy Med" LLC, including: economic development, Industrial Policy and Trade, Administration of St. Petersburg, Committee on Labor and Social Protection of the Population of St. Petersburg, Committee on Land Resources and Land Management of St. Petersburg, Committee on City Property Management in St. Petersburg, Committee of the GIOP, St. Petersburg State University, State University of Aerospace Instrumentation, Academy of Civil Aviation, State University of Architecture and Civil Engineering, Federal State Institution culture "State Hermitage", etc.
to corporative clients
Insurance Company"Capital-Policy" has a huge work with enterprises and organizations of various sizes and profiles. Especially for corporate clients, complex insurance programs and products specific to their business.
VOLUNTARY HEALTH INSURANCE
The concern of the enterprise for its employees is one of the indicators of the high level of its corporate culture, which is the main factor in shaping the image of the organization, both in the eyes of its business partners and the general public. From a practical point of view, spending on disease prevention.
ACCIDENT INSURANCE
Accident insurance involves receiving compensation for injuries, sudden illnesses (leading to injury to the body, health problems), as well as the death of the insured. The policy is of particular importance for employees of companies associated with any production - workplace injuries in this case are very likely.
CARGO AND CARRIER INSURANCE
Thanks to a modern approach, the Transport Risk Insurance Center has established itself as a reliable partner in the cargo insurance market. We are trusted by the largest transport and logistics companies, postal operators, distributors of electronics, equipment and communications.
PROPERTY INSURANCE
Property insurance for legal entities can include both protection of the office from leaks, and comprehensive coverage of various risks in many aspects of the company's activities. The insurance rules developed by our company make it possible to accept various real estate objects, equipment, machines and mechanisms for insurance.
LIABILITY INSURANCE
A civil liability insurance policy will help cover your losses from third-party claims not only in case of a fire at an enterprise or holding mass events, but also in case of animal bites. The list of possible situations taken into account in the policy may include a variety of events.
TRANSPORT INSURANCE
With hull insurance (unlike the OSAGO policy), you get comprehensive protection for your company's fleet in case of possible damage or theft. In our company, classic hull policy is provided with Additional services; round-the-clock evacuation service, departure to the insured for the conclusion of the contract.
CHI
In St. Petersburg, you can apply for a compulsory medical insurance policy of the Capital-Policy Medicine Insurance Company at any Multifunctional Center for the Provision of Public Services (MFC). MFCs are located in every district of the city and allow you to get a compulsory medical insurance policy without visiting an insurance company.
Private individuals
We are used to planning our lives, setting goals and achieving them. Achieving our goals, we value it and do not want to lose it. Sometimes a case can unsettle us and we become weak and defenseless. At this very time, we, more than ever, want to feel care and attention. We can take care of you and help you overcome unpleasant life moments, minimizing the damage from their onset.
Insurance company "Capital-Policy" is a universal and reliable insurance company, our insurance programs are designed specifically for you, based on twenty years of experience. We offer you the following types of insurance:
AUTO INSURANCE
We strive to ensure that the benefits of cooperation with us are significant and tangible for our customers. In this regard, the company has a whole system of maintenance and service, the only purpose of which is the convenience and comfort of our client.
CHI
Medical care, the quality and conditions of providing medical care in the system of compulsory medical insurance is carried out in accordance with the Program of state guarantees for the provision of free medical care to citizens of the Russian Federation.
SUBSCRIPTIONS FOR MEDICAL SERVICE
Subscription is systems approach to your health in the comfortable conditions of private practice. For the entire period of validity of the subscription, the patient is provided with a discount on all additional examinations and consultations of other specialists.
MEDICAL PROGRAMS FOR CHILDREN
Creating products, our specialists, first of all, were guided by the idea of continuity in medical prevention, supervision and assistance. Our concern for the health of the child begins from the moment when future parents have just planned his birth.
INSURANCE FOR VISITORS TO SPB
For foreigners coming to work in Russia, a VHI policy is required. It is required when applying for a job. For this, insurance under any chosen program is ideal, which provides payment for medical services during the entire stay in the territory of the Russian Federation.
INSURANCE FOR TRAVELERS ABROAD
Many years of practical experience of "Coris assistance" and the stable financial position of IC "Capital-polis" were factors contributing to the creation of a program unique for the Russian market, combining a fundamentally new insurance product.
APARTMENT AND PROPERTY INSURANCE
After auto insurance, apartment insurance is the most common type of property insurance. For your convenience, as well as in order to reduce your insurance costs, we are ready to conduct an examination.
COUNTRY HOUSE INSURANCE
Having a policy will save you from worries about your house or cottage, which is especially important at the end of the summer season - the house is left unattended for a long time. For your convenience, as well as in order to reduce your insurance costs, we are ready to conduct an examination.
ACCIDENT INSURANCE
Accident insurance implies compensation for injuries, sudden illnesses (leading to injury to the body, health problems), as well as the death of the insured, the contract can be concluded in favor of a third party.
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From Wikipedia insurance
Insurance company "Capital-Policy" was founded in 1993.The insurance group "Capital-Policy" combines under a single trademark: CJSC "IC Capital-Policy", LLC "IC Capital-Policy Insurance", LLC "IC Capital-Policy Medicine" and
Consolidated authorized capital group is more than 300 million rubles.
SG "Capital-Policy" along with the Bank "ALEKSANDROVSKY" and the investment company "Energocapital" is included in one of the largest formations in the North-West - EGO-Holding. Such cooperation allows the group to fully serve the interests of clients financial structures in the field of life and health insurance, collateral insurance, loan agreements, financial risks, various kinds banking activities.
In 2008, Capital-Policy was awarded the Quality Mark "Made in St. Petersburg" for its "Voluntary Medical Insurance" services.
"Capital-policy Medicine" - for the services "Compulsory medical insurance".
The main principle of the company is guaranteed and high-quality fulfillment of its obligations to customers.
A balanced financial policy and a developed system of reinsurance are aimed at this.
The company provides a full range of property insurance services for individuals and corporate clients.
Including auto insurance, insurance of apartments, cottages and household property.
There are constantly various promotions for auto hull, among which the insured will definitely select the right one.
Boxed products for property insurance allow you to issue a policy in a short time: without filling out an application, compiling an inventory, performing an inspection.
In the field of reinsurance "Capital - policy" cooperates with the largest Russian and foreign partners.
He heads the insurance group from its very foundation, which is the Chairman of the Medical Insurance Committee of the Union of Insurers of St. Petersburg and the North-West.
In September 2014 "National rating agency” confirmed the reliability rating of CJSC “Insurance company “Kapital-policy” at the level of “A”.
The Bank of Russia decided to replace license forms by types of insurance activitiesClosed joint-stock company "Insurance company "Capital-policy".
In October 2016, the RAEX Rating Agency (Expert RA) confirmed the reliability rating of the insurance company "Capital Policy" at A level (" High level reliability"), the first sublevel. The rating outlook is stable, which means high probability maintaining the rating at the current level in the medium term.
We insured our car at Capital Polus under the Casco program (Full package, damage, total, theft). Case 0351/19. Policy AM 0052278
Unfortunately, we had an accident. The car was set on fire. After the arson, we collected our documents and contacted the main office in st. company for payment. We waited all these documents from the police for 6 months! We received the documents, came to the insurance company, provided these documents! And what do you think? They needed new documents, which we do not have and cannot have! We call the investigator on the case, explaining the situation that the insurance company is requesting such and such documents, the investigator says that these actions of the insurance company are illegal and they cannot demand these documents. All this happens on a loudspeaker in the office of an employee of the insurance company, the Head of the Examination Service Ivan Sergeevich Kochorov! To which this “chief” tells us then bring me the court order on the case, when asked about this decision, the police officer said that these documents are enough for you to start the proceedings. But, she strongly began to say that the case would not be started without a court ruling! They said well, give us a written statement that the case will not be started without this document, Ivan answers us, I do not have such authority! That is, to say that you need to bring food, but write no! Funny! Next, we ask you to write the one who is authorized, oh, but our hull lawyer is in court! Our conversation ends, then I go down to the reception desk and ask if the hull lawyer is there, the administrator with a surprised look says that they do not have hull lawyers, but there are just lawyers. Are all the lawyers there? Yes, the administrator answered! Okay cabinet please! They call us an office - we rise - we go in! Hello, who is a lawyer? Just a counter question, what do you want? We answer the question of Casco! Oh, sorry, our Casco lawyer is on vacation and will not be soon! Asked for guidance but to guide only by appointment! In general, a disgusting office, everyone is confused in their testimony, rude, dodge questions! Take care of your nerves, money! Better overpay, but buy a pole in a normal and trusted insurance company! Now only in court with a lawyer to sue this pseudo "insurance company".
IC Capital-Policy LLC is a relatively small company in terms of fees, specializing in personal insurance. It is part of the Capital-Policy group. At the end of 2017, the insurer ranked 79th in terms of collected insurance premiums among Russian insurers and 15th in terms of collections in the VHI segment. In the structure of the insurance portfolio in 2017, the largest shares are occupied by voluntary medical insurance (73.35%) and motor hull insurance (12.13%). The company has several offices and points of sale of policies in Moscow and St. Petersburg.
Insurance company "Capital-Policy" was founded in 1993 in St. Petersburg. Currently, Capital-Policy is one of the largest insurers in the North-West, in particular St. Petersburg, in the segment of voluntary medical insurance and is in the top 5 in terms of fees (fourth place in 2017). The company provides insurance services to both legal entities and individuals. The main activities are personal types of insurance (VHI, accident insurance), land transport insurance (hull insurance), cargo insurance. The company is part of the insurance group of the same name.*
IC "Capital-Policy" is a member of the All-Russian Union of Insurers and the Union of Insurers of St. Petersburg and the North-West.
The main shareholders of the company are: FEM LLC (40% of shares, owner - Fedor Morozov), Mogur-Invest LLC (30%, owner - Sergey Sergeev), Fedor Morozov (14.22%), Arkady Pekarevsky (5% ).
The company has shown a stable and continuous increase in insurance fees since 2005. In particular, over the past three years, the growth rate was: 38.76% in 2015 (1.1 billion rubles of premiums were collected against 795.71 million rubles a year earlier), 8.6% in 2016 and 1.87% – at the end of 2017. The volume of premiums collected last year amounted to 1.22 billion rubles, of which 83.47% are contributions under agreements with legal entities and 16.53% from individuals. The amount of insurance payments for 2017 amounted to 1.06 rubles, the level of payments was 86.42%. In the first half of 2018, the insurer received 712.92 million rubles of premiums, which is 7.93% more than in the same period of the previous year (in 2017 - 660.52 million rubles). The amount of payments for this period amounted to 446.63 million rubles, the level of payments - 62.65%.
The main collection of premiums in 2017 fell on voluntary medical insurance (73.35%), comprehensive insurance (12.13%), cargo insurance (11.09%) and accident and illness insurance (2.2%).
With the help of intermediaries in 2017, the insurer collected 1.11 billion rubles (90.58%), the average agency fee amounted to 21.91%.
In 2017, the company showed a net profit under RAS in the amount of 139.79 million rubles, which is more than 3 times higher than in the previous year (in 2016 - 44.75 million rubles). The total income in 2017 increased by 1.6 times and amounted to 157.12 million rubles (in 2016, 98.42 million rubles of income was received).
According to the individual reporting of the insurer for 2017, the number of insurance agents-legal entities amounted to 90 units, insurance agents-individuals - 75 people. (of which 52 are individual entrepreneurs).
The National Rating Agency withdrew the reliability rating of CJSC IC Kapital-Polis due to the expiration of the contract. The exit rating was assigned at the level of BBB "Sufficient degree of reliability" on July 10, 2015.
Management: Alexey Kuznetsov (general director), Svetlana Kulicheva, Valentina Tikhonenko, Ludmila Buki, Sergey Motovilov, Sergey Ivanov, Alexander Rotshtein.
Board of Directors: Morozov N.F., Kuznetsov A.N., Pekarevsky A.M., Polyakova A.I., Naumova T.A.
Clients: JSC Central Design Bureau MT Rubin, JSC Sredne-Nevsky Shipbuilding Plant, JSC Property Fund of St. Petersburg, JSC Pulkovo Cargo Terminal, CJSC Petersburg Oil Terminal, OOO Management Company Planet Neptune, JSC NPO "Aurora", State Enterprise "Training and course plant" Leningrad Region, JSC "GSR CHPP", JSC "VNIIRA", etc.
* Insurance group "Capital-Policy" unites the following companies under a single trademark: LLC "IC Capital-Policy", LLC "IC Capital-Policy Med" (compulsory medical insurance) and LLC Medical Center "Capital-Policy". At the end of 2017 subsidiary Capital-Policy Medical Center LLC acquired First Nevskaya Clinic LLC.
IC "Capital Policy", operating in the national market since 1993, today is represented in 2 regions of the Russian Federation (Moscow and St. Petersburg). The company is a member of the eponymous financial group. The scope of its insurance activities extends mainly to the north-western part of Russia. The priority direction of the corporation's work is medical insurance. In this segment, the company ranks 17th in the rating of the largest insurers providing VMI services.
The impressive amount of own assets (120 million rubles) provides the company with independence from the influence of market factors, financial stability and dynamic development. In the northwestern region, the corporation is among the top five in terms of premium collection in the voluntary medical insurance segment.
Over the 20-year history of its existence, Capital Policy Insurance Company has established itself as an honest partner who can be trusted with your risks. The company is focused on both retail insurance and the corporate segment of the market. About 90% of the insurance portfolio is occupied by CASCO and VMI contracts.
The staff exceeds 120 people. IC "Capital Policy" is a member of the Union of Insurers of St. Petersburg and maintains partnerships with other market participants.
The value of own assets of the consolidated insurance group exceeds 340 million rubles. Significant reserves ensure the stability of the corporation in the domestic market. In 2015, IC Capital Policy, having collected more than 1.1 billion rubles as insurance premiums, took 83rd position in the rating.
The secret of the successful development of the corporation is the construction of an extensive network of representatives. In 2015, insurance brokers and agents collected insurance premiums for the company in excess of 1 billion rubles. Among the corporation's clients are the Property Fund of St. Petersburg, Electron, State Expertise Center and other respected state and commercial enterprises.
