📋 Tender Overview
Insurance subsidiaries of Sber Group--Sberbank Life Insurance and SberInsurance--have distributed RUB 614 bn in payments to retail and corporate clients in 9M 2025. These funds enabled people to repair homes, fix cars, repay debts, pay for serious illness treatments, and overcome other life difficulties. Meanwhile, businesses benefited from insurance protection by lowering expenses and preserving their enterprises. Sber consistently develops technologies and services to ensure fast and simple claims settlements for individuals and corporations. To achieve this, Sberbank Life Insurance and SberInsurance implement artificial intelligence, expedite loss adjustment procedures, and proactively assist clients in challenging situations. Credit and mortgage life insurance payouts now take up to 5 minutes, with similar timelines planned for voluntary housing insurance and accidental injury policies by year-end. Corporate clients receive payouts of up to RUB 40 mn within minutes after approval. Sberbank Life Insurance From January to September 2025, Sberbank Life Insurance paid out RUB 595.9 bn to policyholders covering life and health insurance. This includes: RUB 299.6 bn paid to clients under Contributory Life Insurance (CLI) agreements--representing accumulated sums under CLI policies; RUB 280.3 bn distributed under life insurance policies with investment components; RUB 15.9 bn issued for credit and mortgage life insurance coverage. SberInsurance In the first nine months of 2025, SberInsurance assisted clients with RUB 18.1 bn in total payouts. Breakdown by segment: retail insurance: RUB 11.2 bn; corporate insurance: RUB 5.4 bn; Voluntary Medical Insurance (VMI): RUB 1.5 bn spent on healthcare-related services. Retail insurance is dominated by auto insurance programs, comprising 52% of total retail payouts. Individuals received RUB 3 bn under OSAGO policies and RUB 2.8 bn under KASKO policies. Corporate clients mostly received payouts for property insurance: RUB 4.3 bn (79%), followed by payments for mitigating financial risks: RUB 724.3 mn (13%).
