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The PJSC “IC “ALFA STRAKHUVANNYA” is one of the leading and the most dynamically developing insurance companies of Ukraine. Professional and active growth in the following fields is the pledge of the success:
• creation and development of a wide network of universal agents;
• development and implementation of new mass types of insurance;
• improvement of programs and offers on some strategic products;
• expansion of cooperation with banks;
• development of cooperation with alternative partners,
• creation of new exclusive ways for products’ selling;
• implementation of modern IT technologies in the sphere of client servicing and providing of insurance activities;
• further active development of direct sales.
The development of multi-channel selling system is one of the strategic priorities of the PJSC “IC “ALFA STRAKHUVANNYA”. The existing system takes into account the best experience of European insurance markets and meets the requirements of a modern client. Among the Company’s main selling channels there are agent sales, direct sales, Bancassurance, Corporate Business Line and VIP, Individual Business and SME.
By developing these channels, the Company creates a balanced diversification of the portfolio which includes the most profitable types of insurance.
Informing the client is a determining condition of the functioning of direct-sales line. That’s why the Company uses different channels to provide information for its clients, for example, sms-notification enables informing the client about the assignment of the registration number to the case and directly about the fact of payment.
By using a personal cabinet service in the internet shop www.direct.alfaic.ua each CASCO policy owner who has had a traffic accident can monitor without assistance at which stage the process of compensating on his insurance case is currently.
The PJSC “IC “ALFA STRAKHUVANNYA” gives its clients a unique possibility to pay any kind of insurance from abroad by using the Internet. It is worth mentioning that the PJSC “IC “ALFA STRAKHUVANNYA” pays the client’s duties collected for remote payments.
Bancassurance is a unique technology that presupposes a joint selling of bank and insurance products by bank’s employees. In 2009 the interest of banks for cooperation with insurance companies on joint selling of financial products was very high. This channel of sales has great potential - retail insurance profits not only from selling of insurance products connected with pawned property but also from small and medium business insurance.
The use of individual and flexible insurance conditions and comprehensive approach when servicing corporate clients are the priorities for the development of the business line “Corporate Business and VIP”.
The business line “Individual Business and SME” includes offering the services of the PJSC “IC “ALFA STRAKHUVANNYA” to individuals and legal entities by the Company’s staff or partners in the segments of retail and small and medium business on the whole territory of Ukraine. The business line is one of the most significant ones as it is implemented by the greater part of the staff that performs sales of insurance products, and retail sales constitute almost 50 % of all insurance earnings of the Company.
The main concept of the Company’s activities is individual approach to every client and accurate fulfilment of undertaken obligations. That’s why the Company’s key point is to arrange correctly an efficient system of loss adjustment.
Loss adjustment is a complex of measures taken by the Company for fulfilling its obligations towards the client when an insurance case occurs.
In the PJSC “IC “ALFA STRAKHUVANNYA” this procedure is preformed on the basis of interest adjustment between the client and the Company according to the Law of Ukraine, the insurance contract and the company’s internal documents on loss adjustment.
The PJSC “IC “ALFA STRAKHUVANNYA” offers Voluntary Medical Insurance (VMI) for individuals. The insurants can buy a classical comprehensive set of services on VMI or a standard set combined with accident insurance.
The Company’s insurance products for individuals provide the possibilities to indemnify real and movable property and the liability of the insurant by compiling one contract. And in this case the application for insurance and description of the property are not prerequisite.
For legal entities the Company offers real property insurance, insurance against construction and assembly risks and cargo insurance.
The development of property risk insurance for legal entities is possible due to the company’s high-quality policy in the field of reinsurance and due to flexible and professional approach to insuring the risks.
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