Gaide (insurance company): useful information for potential clients. Hyde insurance company is also in the complex

What services does the insurance company Gaide offer, what insurance risks are covered, what conditions for the provision of insurance products are provided. Let's analyze the work, offers and advantages of the organization.

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Insurance is an effective method of compensation for losses in the event of insured events. Both citizens and companies can apply for a policy.

But there are certain differences that allow the insurer to choose the best program with the most favorable conditions. What does IC Gaide offer and what niche does it occupy in the insurance business?

About company

Gaide Insurance Company was established in 1993. Location of the head office - St. Petersburg. The main partner since the opening of the company is the corporation of insurance companies "Lloyd's of London", and since 1996 the company offering insurance products to the population "Fitzmaurice Management Ltd".

Since 2012, it has been characterized by the presence RUB 120,000,000 authorized capital. There are branches in Moscow, the North-Western District of the Russian Federation.

There are more than 200 employees in the dispatching service. Gaide has licenses to provide 16 types of insurance services, including CASCO and OSAGO.

Reinsurers:

• SCOR Global P&C;
• «Partner Reinsurance Europe Limited» it. d.

A separate offer of the insurance company is reinsurance type programs, which were developed jointly with the reinsurance dealership.

Which has a rating

According to the forecasts, Gayde is a developing company, which means that a positive rating change is possible in the near future. Although there is a possibility that this indicator will remain. The organization has 139.9% liquidity ratios, reliable reinsurance protection.

What are the advantages

Gaide offers a wide range of insurance services in several areas, and this guarantees the satisfaction of clients' insurance requirements and the selection of a program that will be optimal for them.

The first firms that used the services of Hyde:

• Procter
• restaurants, such as Nevsky Melodies;
• "Combine them. Stepan Razin";
• NPO "Positron";
• hotel "Rus", etc.

• St. Petersburg station, whose activities are aimed at combating animal diseases;
• Museum-reserve "Tsarskoye Selo";
• FTS, etc.

More than 20 branches operate within the Russian Federation, which contributes to the growth in the number of customers. It has its own service station where insured cars can be repaired.

Hayde has entered into agreements with service stations - dealers, which guarantee the restoration work of cars of all brands.

The specialists of the organization strive to get new positive feedback from customers, so their activities are aimed at improving the quality of service for insurers.

Hyde provides insurance services:

1. For legal entities who can insure the property of the enterprise, transport, purchase a compulsory medical insurance policy. Audit and construction liability insurance is also provided. This is not a complete list of insurance products.
2. Individuals. The preferred product is mortgage insurance, accident insurance, liability insurance, etc. The leading position is occupied by car insurance.

Products for individuals

What does the company offer to individuals, what features of the service and what programs are most popular among Hyde policy buyers?

Auto

The insurance company assures of providing support and legal support in insurance situations of any complexity. Clients are invited to choose the method of payment of compensation funds in case of damage.

For example, in the event of a CASCO insured event, funds are paid out according to the “one window” principle.

At the company's personal technical inspection stations, vehicle repairs are carried out: restoration of a plastic bumper, glass replacement, repair of chassis and body parts. The client can also receive a diagnostic card.

Dispatchers are on call around the clock, so in the event of an insured event, you can count on timely advice and assistance on the road.

Under the terms of CASCO, customers can insure a car against such risks as damage and theft, which include:

• traffic accident;
• fires;
• damage to objects;
• natural disasters;
• damage as a result of the action of animals;
• theft.

To receive insurance payment, the insurer must present:

• Vehicle that is damaged;
• CASCO agreement;
• documentation from the competent authorities;
• driver's license;
• driving license, if any.

The property

Gaide offers a comprehensive program of property insurance, which provides protection for a country house, cottage or apartment against the risk of loss or damage.

This also includes such nuances as structural details, decoration, household property and civil liability.

also in the complex:

• life and health insurance of the borrower;
• insurance of property objects that are the subject of the loan.

Sometimes the company holds promotions in which the contract can be drawn up at a discount.

From an accident

There is also a health program developed by Gaide's staff. Provides insurance:

• families from an accident;
• human life and health;
• a child from an accident;
• athlete.

Trips

There are 2 programs:

• protection according to the insurance policy of family members from an accident;
• insurance of personal property objects of tourists.

VHI

Clients are offered a choice of five programs:

1. Family doctor. According to the terms of the contract, the insurer will be served by a family doctor.
2. Dental insurance provides customer service in such institutions as Odont, Dental-Service, Medsoyuz.
3. Voluntary insurance for a child. Children of the insured person receive medical services under the policy.
4. There is a program under which the insurer can improve his health in the rehabilitation center - dispensary "Orlovsky".
5. According to the "Visit" program, insurance is provided for foreign citizens who receive education in Russian institutions and live within the country temporarily.

Insurance of small size and marine vessels

The owner of the yacht and boat has the opportunity to draw up an insurance contract, according to which the following will be provided:

• protection of ships (hull for water transport);
• protection of the liability of the owner of the water vehicle to a third party;
• protection of life and health from accident of those persons who are on ships.

It is possible to carry out insurance:

• bodies of the water body;
• ship mechanism;
• machines and equipment, rigging.

Insurance risks:

1. Loss in the event of the death of a water vehicle or repair costs.
2. Losses and costs, as well as contributions in case of accidents by shares of the vessel.
3. Losses incurred in the event of the loss of a vehicle.
4. Means for the rescue of water transport, the use of which is justified.
5. Expenses for the prevention or reduction of losses, if such losses are indemnified in accordance with the rules of insurance.

The insurance is valid outside the country. The contract may be concluded for a fixed period or for the time required for the voyage.

Insurance is provided for small-sized types of vessels (yachts, boats, motor boats, etc.). In this case, damages caused to the hulls, fittings, trim and equipment will be compensated.

The following risks are covered by insurance:

1. The death of a small size vessel, damage to equipment and parts in case of fire, lightning strike, collision with other vessels, touching the bottom, bulk on a fixed object, with the participation of intruders.
2. Theft of a watercraft or its parts.

Additional types of coverage include boat transportation, lifting and launching, sports racing and regattas. The policy is purchased for a year.

Services for corporate clients

Let's take a look at some of the insurance products that are available to companies.

Property objects

Insurance is provided:

• real estate that is owned by the company or rented by it. The rules apply to such facilities as a warehouse, utility buildings, including their finishing;
• communications, glass parts;
• production, technological, storage, trade, office equipment, transmission devices;
• raw material reserves, finished goods, computer equipment, photo and television equipment;
• advertising installations, poster boards, masts, antennas;
• other property objects.

Insurance of this type will protect the company from losses that appear when an insured event occurs.

Insurance risks include:

• fires, explosions and lightning strikes;
• flooding in the event of a break in sewer or water pipes;
• natural disasters;
• damage to property as a result of a collision with a vehicle or a fall of a lethal object and other elements;
• actions of intruders;
• damage to property as a result of a terrorist act or sabotage.

All of the listed risks can be stipulated in the contract.

VHI

The director, who is interested in the efficiency of his staff, and also to preserve the reputation of the company, offers his staff social packages of voluntary health insurance, which include employee accident insurance. Programs are selected individually for each client.

cargo

Shippers, recipients, forwarders or carriers have the right to draw up such an agreement. The amount of damage will be returned to the actual owner of the cargo (buyer or consignee).

A one-time policy is drawn up for one transportation, or an agreement valid for a certain period (for several transportations).

Terms of the contract:

• responsibility for all types of risks;
• with responsibility for an accident;
• without liability for damage, not including crash cases.

Transportation can be carried out by different means of transport (car, plane, train, etc.).

The sum insured cannot exceed the value of the cargo and running costs associated with the organization of transportation.

Responsibility

Liability for the quality of products and services is insured. This type of insurance is popular among manufacturers of products, companies that provide services to the public.

With the help of the policy, you can reduce the costs that are associated with compensation for damage or harm to a third party, his health, including if the harm was caused as a result of the company's activities or the use of goods that the company produces.

The insurer will be able to obtain insurance protection upon presentation of a claim by the buyer of goods/services. Hyde compensates for the harm.

The sum insured is determined by the parties when drawing up the contract. The influencing factor will be the amount of possible maximum damage to consumers. The price of the policy is set after calculating the volume of manufactured goods and the amount of insurance sums.

Technical risks

According to an insurance product of this nature, protection is provided if the following is damaged or lost:

• building object;
• installation object;
• building site equipment;
• equipment that is used for construction;
• property objects that are located on the construction site or near it.

Construction risk insurance allows you to receive compensation if there are costs associated with:

• liability for harm caused to a third party;
• error during post-launch warranty.

It is possible to conclude an agreement against all risks in the complex: from the collapse of an object, damage, soil subsidence, fire, natural disaster, explosion, etc.

When calculating the price, the complexity of construction, the technical means, materials used, and the experience of the contractor will be taken into account.

Special equipment

According to Hyde insurance programs, the following will be taken under protection:

• all types of construction and road equipment;
• equipment that is used in the extraction of minerals;
• communal types of technical means;
• logging, agricultural technical facilities;
• equipment that is used to install the pipeline;
• lifting and transport types of machinery and equipment;
• technical means used by the emergency service;
• mounted and additional types of equipment;
• mobile type equipment;
• construction site facilities;
• temporary structures.

Insurance is valid not only not for those objects that are located at the work site, but also for equipment that moves along a common road.

Insurance risks - loss or damage to equipment as a result of fires, lightning strikes, explosions, theft, illegal actions of citizens, dangerous natural phenomena, falling trees or aircraft, ice formations and other objects.

Additional services include compensation for damage caused by an accident, failure or destruction of a bridge, soil deformation, and traffic accidents. The cost of the insurance policy is affected by the type of equipment and the conditions under which it is operated.

Commercial loans

The risks include:

• long-term debt;
• bankruptcy of partners.

It is possible to insure the trading turnover of companies with the condition of deferred payments in accordance with the agreement with all clients.

The solvency of all counterparties is checked and then the amount of receivables for each is calculated.

A deferment can be granted for a period of 150 to 180 days, and an unconditional franchise - 10 - 20% of the amount of losses.

Exhibitions

You can insure property that is an exhibit exhibited at a temporary or permanent exhibition.

Hyde offers to take on insurance:

• items that are artistic or historical heritage;
• cultural heritage items;
• jewelry;
• equipment and industrial products;
• exhibition equipment.

Insurance coverage is possible upon the occurrence of such risks as loss or damage to insurance objects as a result of:

• fires, explosions;
• influence of weather phenomena;
• water exposure;
• theft;
• damage by a third party;
• other risks to be specified in the contract.

Sums insured are set within the value of the insured object. Many factors influence the size of the insurance premium, so the calculation will be carried out individually.

rules

Before the conclusion of the contract, the most optimal insurance conditions are negotiated, which will be included in the document.

The agreement comes into force from the moment it is signed by the parties and the first installment is paid, unless otherwise provided by the provisions of the insurance contract.

The purchase of the policy is possible in cash and non-cash way. The contract specifies the data of the parties, the procedure for providing insurance services, the rights and obligations of the insurer and the insured.

When drawing up the contract, the amount of insurance is determined. It could be:

1. The amount insured of a cumulative nature, which is the minimum transfer amount (within the established amounts for payments for insured events), when the payments of insurance funds will be reduced by the volumes of the amounts already paid.
2. The amount of non-aggregate (not aggregate) nature. This is the maximum that can be listed for insured events. After payments, the sum insured will be restored to its previous levels.

In the event of an insured event, the insurer must notify the company of the circumstances and consequences. The claim for damages must be submitted within 10 days.

If, for example, a car is stolen, you need to report it within 24 hours, and 3 days are allotted for submitting an application.

After conducting examinations, checks, the representative of the insurance company decides whether to satisfy the requirements of the insured person, or refuse to do so. Payment of the amount of damage is carried out within 15 days from the date of the decision.

Price

Here is a table of the cost of some types of policies for Hyde clients:

Insurance type	Cost in rubles	Cost Factors
CASCO	From 20 000	Car brand, mileage, year of manufacture, age of the driver, car price, repairs, etc.
OSAGO	From 9,000 (sum insured - 50,000)	Vehicle power, vehicle type, policy validity period, presence of a trailer
Insurance for persons traveling abroad	For a month - from 1300	Country, age of the insurer, sum insured
Accident insurance	From 600 (sum insured - 50,000)	Depends on the age of the citizen, profession, the presence of injuries, the sum insured
Family insurance	From 1800 (sum insured - 50 000)	Depends on the age of the citizen, the presence of chronic diseases and injuries, on the sum insured

Video: Is it possible to get OSAGO without life insurance?

Program insurance "GARDEN HOUSE" enables quick and convenient insurance of inexpensive objects.

Insurance is carried out on the basis of an oral application of the Insured, insurance is allowed without inspection of the objects, without a description of the buildings and without making an inventory of the insured household property.

The following objects may be insured:

the main building on the site is a residential or garden house;

buildings for auxiliary use (including a bathhouse);

household property;

Civil responsibility.

It is mandatory to insure the main building on the site - a residential or garden house. Other objects are insured in any combination, but in addition to the insurance of the main structure and provided that:

– the total sum insured for additional objects (including civil liability) must not exceed the sum insured for the main building;

The sum insured for household property may not exceed 50% of the sum insured for the main structure.

You need to choose the sums insured that suits you from the offered range.
When concluding an insurance contract, our specialists will assist you in determining the value of the property in order to determine the amount of insurance protection you need (the amount of insurance coverage).

Insurance is provided for a full package of risks.

Accepted for insurance

Residential buildings engineering equipment
A residential building is understood as a building intended for permanent residence, having its own independent address (house number, not plot number). In such a house you can register. The purpose of the object is residential. The land plot must have the designation "land of settlements - for individual housing construction" or "land for agricultural purposes - private household plots, farming (peasant) farming, animal husbandry."

garden houses accepted for insurance together with and engineering equipment
As a rule, a garden house is understood as a building intended for temporary (seasonal) residence. The address is given by the number of the plot (the house does not have an independent number). It is very difficult to register, and for the vast majority of garden houses it is impossible. The purpose of the land plot is "land for agricultural purposes - gardening, private household plots, peasant (farm) farming or animal husbandry."

Buildings and structures for auxiliary use accepted for insurance together with and engineering equipment
An auxiliary building, as it were, complements the main independent building (a residential building, etc.) and is its “continuation”, is intended to “serve” the main building and cannot be used without it. Those. it is, as it were, part of the main structure, taken out of its limits. Auxiliary buildings include boiler houses, households. blocks, baths, guest houses, garages, etc.

Home property. Household property is understood as any movable property intended for use in everyday life or to meet other personal (family) needs of citizens. Household property does not include property used or intended to be used for public (non-family), business or commercial purposes.
Household property is considered to be insured only if it is located in buildings insured under the same contract.

At risk "Civil responsibility" means the onset of civil liability of the Insured Person for causing harm to the life, health or property of the victims in connection with the implementation of the insured activity, entailing, in accordance with the Contract, the Insurer's obligation to make an insurance payment.
A feature of this risk insurance under the program is that liability for causing harm to third parties should arise as a result of an insured event under a property insurance contract (for example, a fire in the policyholder's building that spread to neighbors' buildings, etc.).

The following buildings are not accepted for insurance:

• built before 1980 (inclusive);
• leased (hired);
• with unfinished construction of load-bearing and enclosing structures (foundation, walls, ceilings, roofing, windows, doors and other openings in the enclosing structures);
• with whom events have previously occurred that, by their nature, can be attributed to one of the insurance risks;
• located outside the constituent entities of the Russian Federation, in which the branches / branches of the Company are located, as well as located outside the Leningrad, Novgorod and Moscow regions;

The following property is not accepted for insurance:

• shares, bonds, certificates, certificates, savings and check books, credit cards and other securities, cash, plastic cards intended for settlements through payment systems;
• manuscripts, plans, drawings, lithographs, negative and positive films, clichés made for reproduction purposes;
• acts and other documents, accounting and business books, file cabinets;
• models, layouts, visual aids, samples, forms, prototypes and exhibition copies, as well as standard samples, etc.;
• precious metals, precious, semi-precious and semi-precious stones, as well as products, in the cost of which the share of these materials exceeds 50 percent;
• technical media (punched cards, magnetic tapes, cassettes, floppy disks, magnetic disks and other data media, except for paper books), as well as the information itself on any media;
• means of transport (except for bicycles, scooters and other vehicles propelled by human muscle power), self-propelled construction, agricultural or other machines, motorcycles, mokiks, mopeds, scooters, jet skis, quad bikes, snowmobiles, trailers and tractors, boats, motors, residential trailers, mobile homes, as well as any parts, spare parts and accessories for the property specified in this clause;
• property located within the territory of insurance, but which the Policyholder (the Beneficiary under the property insurance contract) does not dispose of on the basis of ownership (possession, use, disposal) or other legal grounds;
• animals, seeds and plants;
• aquariums;
• buildings, structures, structures or individual premises, the physical deterioration of which exceeds 70%, requiring demolition, major repairs, reconstruction, or recognized as dilapidated, emergency or unsuitable for habitation in accordance with the established procedure, as well as the property located in them;
• property located in a zone threatened by collapses, landslides, floods, forest fires or other natural disasters, as well as in a war zone from the moment such a threat was announced in the prescribed manner, if such an announcement was made before the conclusion of the Agreement;
• property subject to seizure, confiscation, requisition, arrest, damage or destruction by order of state bodies;
• ammunition, explosives, pyrotechnic products;
• fertilizers, pesticides and flammable liquids;
• weapons (guns, pistols, bows, crossbows, etc.);
• property withdrawn from circulation or limited in circulation in accordance with the current legislation of the Russian Federation;
• stamps, coins, medals, banknotes and bonds, drawings, paintings, sculptures, objects of religious worship or other objects of collections or objects that are works of art, antiques;
• food, alcoholic and tobacco products, personal hygiene items, cosmetics, perfumes, lamps in lighting fixtures and other items with an average service life of less than 1 year;
• stocks of building and finishing materials intended for construction or repair.

Insurance risks:

For property insurance:

• Fire, lightning strike, explosion;
• Natural disasters;
• Water damage;
• Extraneous influence;
• Theft;
• Damage by third parties;
• Terrorism.

For civil liability insurance:

• The risk of civil liability of the Insured Person for causing harm to life, health or property of injured third parties.

Full definitions of insurance risks and exclusions are contained in

Insurance is carried out:

• without examination;
• without a written application for insurance, by handing the insurance policy to the insured
• without providing title documents and documents confirming the value of the property at the time of conclusion of the insurance contract; By signing the Policy, the policyholder confirms that the property belongs to him on one of the grounds specified in the Policy, which are sufficient to conclude an insurance contract
• no franchise;
• for a full list of insurance risks.

Sums insured:

When concluding an insurance contract, the Policyholder independently chooses the sums insured. The representative of the insurer can help the insured in choosing the sums insured
If the sum insured in the insurance contract is set below the insured value of the property, the insurer, upon the occurrence of an insured event, compensates the insured (beneficiary) for the losses incurred by the latter without taking into account the ratio of the sum insured and the insured value (payment without proportion).
Since insurance is carried out without inspection and without making inventories, the product provides for restrictions on the maximum amount of insurance amounts and amounts of insurance payments for objects and for individual parts of such objects.
The sum insured for individual groups of household property is determined in the amount of the following shares of the total sum insured for household property.

The insurer's liability for a unit of household property is limited to 10% of the total sum insured for all household property insured under the Contract. A property unit is considered to be property consisting of several functionally combined elements (furniture, kitchen, bedroom sets, a computer with components, etc.).
The amount of insurance payments in terms of compensation for damage to individual elements of the structure, it cannot exceed the values ​​indicated below, determined in shares of the sum insured.

		Names of building elements	Share of the sum insured for the structure, %
foundation	20	Interior decoration	25
walls	40	Engineering equipment	10
floors	20	Windows, gates, doors (except for interior, related to "interior decoration"	5
roof	20
Exterior finish	5	other	5

I, the director of a small company, insured myself and my employees under voluntary medical insurance in the "guide", my policy number is 1802/15-22/1
I have never been ill with any chronic diseases, which I reported in the questionnaire for obtaining the policy.
One day in July 2015, I developed a rash on my back that I had never had before. I called the guide and asked to sign me up at the Admiralty Shipyards clinic for a dermatologist. To which they told me in the guide - “why do you want to go to this particular clinic? “Expensive” does not mean good!” After long squabbles, I gave up, and I say - "well, write me down then in a clinic of your choice, only a good one."
They call back, they say that they signed up for Allergomed on Moskovsky Ave. Good.
I come, I show the doctor a rash on my back and at the same time warts on my arm. I had warts for a long time, and I knew that they were not treated under medical insurance, but I just asked the doctor what I had on my hands !!! And what was my surprise when I was diagnosed with "CHRONIC" urticaria (this is about a rash on the back), and "CHRONIC" eczema of the hands (this is about warts). At the same time, the fact that the diagnoses are not only wrong, but also chronic - I did not betray the significance immediately, but I understood the whole point later! The doctor prescribed treatment and additional examinations (tests), while not forgetting to add (like the girls at the Allergomed reception) that the guide will not agree on the treatment for you anyway. Why? And all because the diagnoses are CHRONIC!!! And so it happened, the guide was denied additional examinations and tests, despite all my protests to both the doctor and the insurance company that I had never had hives, and I had never had a rash, and that I had no eczema! And vobshche, NEVER was chronic diseases. No, moreover, the refusal was in a BOOR, ROUGH form!!! And I was literally kicked out of Allergomed!!!
I went (for money) to a subway clinic to a dermatologist, who (like several doctors before) immediately diagnosed me correctly (warts on my arm), and removed them. All documents are available. About the urticaria - absolutely the same situation. For money, I underwent an additional examination, and I am already successfully completing her treatment.
As for the guide, I will say one thing - if you want to spend a LOT of nerves, a LOT of time on scandals with this insurance company, if you want a boorish attitude towards yourself, if you do not want to receive effective medical care for VHI bought with your own money, only then choose a guide! !! After all, no amount of cost savings is worth the hassle! On the face, there is probably a conspiracy between the medical center and the insurance company, where they specifically make such a diagnosis, the treatment and additional examination of which cannot be agreed upon (because suddenly all diseases are CHRONIC !!!) It seems to me that if I have a runny nose, and I will come to the doctor according to the VMI guide he will say from the threshold - chronic sinusitis !!! If there is a cough - chronic bronchitis!!! Therefore, I will say, people, do not throw away money on the dms guide!!! He does not work!!! Do not save on DMS!!!

The world is so unpredictable that no one can guarantee a person the safety of his life and health, the safety of his movable and immovable property under any circumstances, etc. Moreover, legal entities also cannot be sure that nothing threatens their business and nothing is likely to happen to him. Realizing all these points, today people prefer not to take risks, but turn to various insurance companies that offer a variety of insurance programs of their choice. One of such companies is OAO Gaide.

General information about the insurance company "Gayde"

Gaide is an open joint stock company that appeared on the Russian insurance market in 1993. The company's shares are owned by 32 shareholders, including both legal entities and individuals. The General Director is Mrs. Tatyana Mikhailovna Gaide. The amount of the authorized capital of the company is 120 million rubles. Despite the fact that Gaide (an insurance company) was formed in very difficult times for the Russian economy, it managed to overcome inflation and its consequences, continued to work and develop in a country where bureaucracy and corruption flourished and defended its position in fierce competition with huge number of other insurance companies.

At the moment, "Gaide" is one of the most successful companies and has its own technical service station, a modern medical center, a round-the-clock information call center, and an emergency service of commissioners. It operates in Moscow, as well as in the Urals and North-West regions. There are already 22 Haide branches in St. Petersburg. Millions of residents of the cultural capital of Russia know the address of the main office: the insurance company "Gaide", St. Petersburg, Khersonskaya street, 39A. Gaide cooperates with a number of the world's leading insurance companies and reinsurance agencies, including Korean RE, Polish RE, Fortis Corporate Insurance, GEN RE, etc.

"Hyde" addresses of branches in St. Petersburg and Moscow

In order to receive or OSAGO, the insured must contact the St. Petersburg branch of Gaide, located on Borovaya Street, 47. To receive payments related to property types of insurance, the company's clients should come to the branch located on Khersonskaya Street, 4, office 14. Payment for personal types of insurance is also carried out at the address: Khersonskaya street, 4/14. Addresses of other branches can be found on the official website of the company. In Moscow, for all insurance matters, you must contact the company's branch, which is located on Yuzhnoportovaya Street, 5, office 422.

Types of insurance offered by Gaide

"Gaide" (insurance company) is the owner of 78 licenses, which give it the right to carry out 15 different types of insurance. The following insurance products are offered to clients:

. Property insurance - the ability to insure an apartment, house, cottage, home
property, etc.
. Insurance of boats and yachts (the so-called water CASCO), as well as the life and health of their owners against accidents.
. Travel insurance programs - travel property insurance; travel accident insurance.
. children, adults, athletes.
. Health insurance. With regard to health insurance, "Gaide" (an insurance company) has developed 5 programs: "Family Doctor", "Orlovsky" dispensary, "Visit" (an insurance program for foreign students), a dental program and VHI for children.
. Auto insurance - CASCO, OSAGO, DSAGO.

"Gaide" (insurance company): CASCO, reviews of car owners

Among the 15 insurance programs offered by Gaide, CASCO auto insurance is the most popular among customers. Car owners note that CASCO policies are issued on very favorable terms for the insured. The company's specialists provide qualified legal support even in the most complex insured events. CASCO policy holders confirm that the company makes all payments stipulated by the contract as soon as possible. In addition, customers claim that they manage to save time due to the fact that the inspection of their cars is carried out at the company's technical service station, where the inspection card is issued. Moreover, in case of detection of problems with the car, you can immediately make its high-quality repair. The only significant dissatisfaction of customers is naturally associated with the very high cost of the CASCO policy.

Reliability rating and successes of the insurance company "Gaide"

Every year, Gaide strengthens its position in the Russian insurance market. For example, if in 2010, out of 500 registered insurers, Gaide ranked 129th in terms of the number of receipts, then in 2011 they increased by 20.5%, and the company rose to 111th line (592 million rubles). Growth continued, and in 2012 in the "Guide" she was already in 93rd place (730 million rubles), and in 2013 - 86th (926 million rubles). The number of concluded contracts is also constantly growing: in 2010 - 46 thousand, and in 2013 - 200 thousand. The high level of reliability of the company - level "A" is confirmed annually.

The most tangible success of the company "Heide" has achieved in the field of land transport insurance. In this area, it is in 34th place.