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What is compulsory medical insurance and how to make money on it

Compulsory medical insurance is a metal account that opens in a bank. With its help you can track the balance of precious metals (weight is always indicated in grams). The holder can purchase or sell the precious metal at any time, without even picking it up. That is, the entire transaction is carried out virtually and without taking into account indicators such as fineness, bar number or the name of the manufacturer.

The client does not need to search for precious metals in the markets, transport them, check their quality and store them in a safe place. All these options are carried out by the bank. Many who have already opened compulsory medical insurance from Sber note that it is very convenient: the client is given the opportunity to invest money safely, and the bank receives an additional influx of clients and income.

Earnings occur according to the following algorithm:

1. First, the precious metal is purchased, and then an account is opened.
2. Next, you need to control and monitor the price. The amount can change every day: it falls or, on the contrary, grows.
3. As soon as the price increases, the metal is sold. The sale can be either full or partial.

By monitoring Sberbank compulsory medical insurance quotes and having precious metals in his portfolio, the account holder can profit from the difference in transactions concluded.

How to invest money in palladium?

A special feature of compulsory medical insurance is that precious metals are not purchased in physical form, but are impersonal. Thus, the buyer does not need to worry about the storage location for the bars, control the integrity of the packaging, the preservation of external characteristics in order to prevent damage.

The most convenient options for becoming the owner of precious metals are: purchasing bullion or purchasing compulsory medical insurance

Having purchased palladium for a certain amount, this amount is on the client’s balance sheet in Sberbank.

Investing in an impersonal metal account is an alternative option for playing on the stock exchange, but has certain advantages over the latter:

• there is no need to monitor changes in rates;
• no need to study and analyze data;
• there is no need to pay experts or managers for services.

  
  Dynamics of palladium sales and purchase rates in bank branches over the past year and a half Special palladium rate in Sberbank

An interesting point is the opportunity to get more favorable quotes than those that an ordinary client would see in an online service or on the pages of the official website.

Personal banking and premium service with packages and “First” allows you to gain access to additional privileges when purchasing precious metals.

Let's compare the current rate for today for a regular buyer and for two privileged tariffs.

Precious metal exchange rate when purchased by a client at a bank branch

Cost of 1 gram of precious metal for operations through remote channels

Special course for those who have purchased the Premier package

Course for Sberbank First package holders

We see that with large investments the difference in quotes gives a significant result - keep in mind that it may be worth connecting to a special banking service.

It is worth noting that to use the package for free, you need to have a total contribution to various bank instruments from 2,500,000 ₽, and for the “First” tariff - from 4,000,000 ₽ for regions and 8,000,000 ₽ for Moscow, but there is also the possibility of a monthly paid services - for more details, call the 24-hour toll-free number.

Interesting facts about the precious metal

What is sold and bought on compulsory medical insurance

Today, Sber works with only 4 types of precious metals, as they are the most in demand.

1. Gold. The most popular precious metal among investors. Its value is determined by the market price.
2. Silver. Budget option for investment. It is mined in large quantities and therefore its value is not as high as gold.
3. Platinum. Very often used for counterfeiting gold. This is due to the fact that these metals are similar in density. If a client opens a metal account with Sberbank, the bank will perform all the necessary checks for him.
4. Palladium. It is used for alloying with gold, after which the latter changes color and becomes white (this is how white gold is obtained).

Why buy precious metals

Most of the population has not trusted anyone for a long time, and wants to save their blood in proven ways. One of these methods is the purchase of precious metals. It is believed that such an investment provides its owner with some stability and protection from economic downturns.

Let's be honest, gold prices in recent years significantly undermine this theory. However, if we compare the losses from storing money using the usual method in savings accounts and investing it in precious metals, then the second method is still preferable.

How to open compulsory medical insurance

You can apply for compulsory health insurance at any Sberbank branch or online. Those who have never opened an account online should visit the bank in person, as well as those who do not have a login and password to enter their personal account on the bank’s website. If necessary, the Sber operator will provide all the necessary information and talk about the risks.

If the client already has experience working with online services, and the rules for trading precious metals are clear, then there is no need to waste time, because opening an account remotely will not take much time. The sequence of actions is as follows:

1. Authorization in the system using an individual login and password.
2. Opening the “Metal Accounts” tab.
3. Familiarization with metals and choosing the most profitable one.
4. Filling out the form.
5. Consent to open an account and confirmation that the client fully agrees to cooperate with the bank.
6. Purchase of the selected precious metal. It is important to make sure that there are funds on the card for debiting.

When filling out the fields when registering an account, it is important to check the entered data. An error in even one digit can slow down the opening process.

The procedure for obtaining compulsory medical insurance for palladium

Stages of opening impersonal metal accounts
Opening a metal account follows a fairly simple procedure:

• Visit the branch. It is worth checking first whether a particular branch provides such a service.
• Contact a specialist.
• State the amount that the investor is willing to transfer for the purchase.
• Check the terms of the program.
• Sign the contract.
• Deposit funds (transfer, withdraw from card, deposit in cash).
• Receive a copy of the agreement indicating the account number and the terms of the relationship with the financial institution.

Reasons why owning a compulsory medical insurance is a profitable investment

For Sberbank Online clients

If the depositor is already a client of the bank in any direction (has a card, a loan, has issued cash and settlement services, etc.), he will be able to open an account through the remote Online Banking service. To do this, in the Deposits and Accounts subsection, you will need to go to the Compulsory Medical Insurance section and fill out an application by filling out all the required fields. After review, a bank employee will inform you of the need to visit the branch to sign the agreement.

What metals are used when opening compulsory medical insurance?

To understand how profitable it is to invest in an impersonal metal account, you should study in detail the dynamics of quotes on the website of a banking institution.

How to buy precious metals through an online service

For each type of metal, the banking institution has information about their growth and decline trends. You can also view information for a specific period by setting its parameters.

Precious metals quotes for today: buying and selling

Sberbank compulsory medical insurance quotes can change every day and the client needs to monitor the rise and fall of prices. You can view information on all metals on a special page, in your personal account or in the Sberbank application where the bank provides all the data. The client can find out:

• purchase/sale cost;
• dynamics of price changes not only per day, but also per month;
• jumps in quotes in the chart.

For more detailed and correct information, please indicate:

• name of metal;
• the period for which you need to find out information (you can even specify a specific date).

There is also a calculator on the page with which you can calculate conditional profitability.

Today, quotes for precious metals from Sber are as follows.

How and when to buy gold correctly

For people who want to profitably invest their savings in precious metals, it is necessary to correctly determine the strategy. After all, the purchase is not aimed at owning a piece of metal, but at its subsequent profitable sale.

For this reason, the following strategy must be followed:

1. Find out the rate of silver and gold at Sberbank.
2. Decide on the number of years for which you will need to store funds in this way.
3. Decide on the location of future storage of bullion. It is preferable to open an account or a safe deposit box in Sberbank of Russia without taking it home.
4. Monitor the gold rate chart at Sberbank in order to find the optimal time to sell.
5. If the Sberbank gold rate is suitable, then cash out the bars.

For the subsequent delivery of coins or bars, it is necessary to preserve intact not only the products themselves, but also all the documents that were issued upon their acquisition.

Compulsory medical insurance quotes Sberbank: pros and possible disadvantages

Among the main advantages are:

• investments do not depend on inflation;
• opening an account in just a few minutes;
• reliable bank;
• no need to store precious metals yourself;
• remote maintenance;
• opportunity to make a good profit.

Of course, compulsory medical insurance also has some disadvantages, and the most important one is that there is no insurance. A deposit insurance system applies to cash deposits. Some are also not satisfied with the prospect that they will not be able to make a profit immediately, but only after a few years.

Compulsory medical insurance makes it easy to buy and sell precious metals without leaving your home. The client is not required to monitor the account; it is open-ended and there is no need to re-register it after a year or more. Compulsory medical insurance is suitable for those who think about the future.