VTB unallocated metal account - pros and cons

An impersonal metal account is an account similar to a regular ruble deposit, but the difference is that it is measured in grams of precious metal.

At the same time, distinctive features such as serial number, sample, manufacturer, etc. are not indicated. At VTB 24, a client can open an account in various metals.

Compulsory medical insurance, or impersonal metal account

Investing personal finances in precious metals is always popular and profitable. Before purchasing gold, it is important to think about where it will be stored to increase funds. An acceptable option is to open an impersonal account with VTB.

There is only one difference between a foreign currency account and compulsory medical insurance: the account contains not money, but precious metal. Metal is measured in grams. Clients who prefer online banking will be able to perform popular actions 24 hours a day:

• buy or sell precious metals;
• transfer metals between personal accounts.

A complete list of possible operations can be found in your Personal Account.

You might be interested in: Online Broker VTB 24

Gold price

The pricing policy for the precious metal is set in London, twice a day. This is an international or international course. It is used all over the world. As for the national exchange rate, it is set by the Central Bank. It takes as a basis the prices set on the London Stock Exchange, but also takes into account the dollar-ruble ratio and various other factors that influence the cost of jewelry. Commercial banks take the price set by the Central Bank as the basis for setting the rate in their branches. In addition, the price may be affected by the bank's reserve stock of precious metals.

The price of precious metals set by the bank may be influenced by its reserve stock.

Among the largest (commercial) banks in the Russian state, VTB 24 Bank is one of the most reliable. This bank offers people a variety of financial services, from loans and mortgages to deposits and gold bars. The gold rate set by VTB 24 is considered by many analysts to be the most democratic in the Russian Federation.

Metal	We buy	We sell
Gold	3 794,30	4 114,40
Palladium	4 310,50	4 896,50
Platinum	1 798,50	2 050,30
Silver	38,02	41,33

Is it profitable?

VTB opens only impersonal demand accounts, the profitability of which depends on the percentage by which the price of the metal of interest has increased. On the official resource you can use a profit calculator, which will generate the final profit from investing in a particular precious metal.

The profitability of operations depends not only on price dynamics. It's worth remembering the risks. Compulsory medical insurance is not covered by the deposit insurance system. That is why it is very important to choose a reliable bank, which is VTB.

VTB Medical insurance for migrants

Migrants living and working on the territory of the Russian Federation are required to have a policy. Without this, they cannot be processed, and also cannot count on timely medical assistance.

VTB has developed special programs for them. They differ in their range of services.

Insurance for foreign workers reveals one of the characteristic features of VHI: it was created, first of all, so that organizations insure their personnel. Organizations engaged in hiring and sending foreign workers receive from VTB quick insurance for arriving foreign citizens who cannot wait long to start work.

The amount of the insured amount under the VTB policy is five times higher than the minimum determined by the Bank of Russia and amounts to 500 thousand rubles.

Geography of compulsory medical insurance for visitors

Citizens from the countries of the Eurasian Economic Union (Armenia, Belarus, Kazakhstan and Kyrgyzstan) receive compulsory medical insurance policies free of charge from Russian insurance companies. To apply for a policy, a citizen of any of the listed countries can contact the nearest office of the insurance company and submit an application for a medical policy.

The documents for the compulsory medical insurance policy must indicate SNILS, which must first be obtained from the Pension Fund of Russia (if it has not yet been issued by a foreign citizen). The compulsory medical insurance policy for visitors acts as compulsory medical insurance for citizens throughout Russia.

Geography of countries whose residents receive medical insurance from VTB Insurance:

• Ukraine
• Tajikistan
• Uzbekistan
• Moldova
• Turkmenistan
• Republic of Belarus.

This list may change due to new laws; please contact the company’s offices for the latest information.

Cost of VTB medical policy for migrants

In addition to Russians, citizens of the four EAEU countries listed above, as well as citizens of other countries if they have the status of permanently or temporarily residing in Russia, or who have received asylum, have the right to free compulsory medical insurance.

If a citizen of a foreign state not included in the EAEU arrived in Russia to work and has the status of a temporary stayer, then he is not entitled to compulsory medical insurance; he must purchase a voluntary medical insurance policy. The minimum policy price is 1,490 rubles for packages sold in Euroset cellular communication stores, which act as a partner of VTB.

Depending on the amount of medical care required, the potential danger of the place of work, the health status of the migrant, the desire of him and the employer, the cost of the policy can be either minimal or higher than average:

• The minimum cost is about 2,000 rubles, subject to corporate registration. It provides diagnosis and treatment in a regular medical facility.
• If the services of private clinics may be required, the cost of the pole will increase to 8,000 rubles.
• Connecting the services of an ambulance, dentist and expensive clinics will increase the cost to 20,000 rubles.
• A fairly expensive package of 50,000 rubles, which includes treatment and diagnostics in elite clinics.

As with other programs, you can apply through the website or at any branch. To clarify details, use the hotline.

VTB Health Insurance is a large organization with a long history that successfully deals with issues related to health insurance. Among the company's clients are citizens and guests of our country with different income levels. All of them have the opportunity to receive quality medical care.

Features of compulsory medical insurance operations at VTB

The bank has some features of servicing impersonal accounts. These include:

• the smallest purchase and sale amount for silver is 1 g, for palladium, platinum or gold – 0.1 g;
• there is no minimum minimum balance;
• no charges on the balance;
• all operations are carried out without physical delivery of metal;
• the period of validity of the agreement is not limited;
• all actions are carried out in accordance with the bank’s tariffs;
• the safety of funds in an impersonal account is not subject to the law on insurance of investments of individuals.

When concluding a contract, it is worth considering each of the points.

VTB – Gold Fund. Exchange. Asset structure

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Open-end mutual investment funds managed by JSC VTB Capital Asset Management: Open-ended investment fund RFI “VTB - Share Fund” (Fund Rules registered by the Federal Financial Markets Service of Russia on September 13, 2007, No. 0968-94131582); Open Investment Fund RFI "VTB - Balanced Fund" (Fund Rules registered by the Federal Financial Markets Service of Russia on September 13, 2007, No. 0962-94131346); Open Investment Fund RFI “VTB – Eurobond Fund of Emerging Markets” (Fund Rules registered by the Federal Financial Markets Service of Russia on September 13, 2007, No. 0958-94130789); Open Investment Fund RFI “VTB – Fund of Small and Medium Capitalization Companies” (Fund Rules registered by the Federal Financial Markets Service of Russia on September 13, 2007, No. 0959-94131180); Open Investment Fund RFI “VTB – Moderately conservative fund. Rubles" (Rules of the Fund were registered by the Federal Financial Markets Service of Russia on September 13, 2007, No. 0966-94131263); Open Investment Fund RFI "VTB - Electric Power Fund" (Rules of the Fund were registered by the Federal Financial Markets Service of Russia on September 13, 2007, No. 0965-94131501); Open Investment Fund RFI "VTB - Future Technologies Fund" (Fund Rules registered by the Federal Financial Markets Service of Russia on September 13, 2007, No. 0967-94131429); Open Investment Fund RFI "VTB - Metallurgy Fund" (Rules of the Fund were registered by the Federal Financial Markets Service of Russia on September 13, 2007, No. 0961-94131104); Open Investment Fund RFI "VTB - Eurobond Fund" (Fund Rules registered by the Federal Financial Markets Service of Russia on September 13, 2007, No. 0963-94130861); Open Investment Fund RFI "VTB - Oil and Gas Sector Fund" (Fund Rules registered by the Federal Financial Markets Service of Russia on September 13, 2007, No. 0960-94131027); Open Investment Fund RFI "VTB - World Premium Brands Fund" (Fund Rules registered by the Federal Financial Markets Service of Russia on September 13, 2007, No. 0964-94130944); Open Investment Fund RFI “VTB – Equity Fund of Developing CountriesThe rules of the Fund are registered by the Federal Securities Commission of Russia on August 11, 1997, No. 0012-46539678); Open Investment Fund RFI "VTB - Global Dividend Fund" (Fund Rules registered by the Federal Securities Commission of Russia on February 26, 2003, No. 0090-59893176); Open Investment Fund RFI "VTB - Treasury Fund" (Fund rules registered by the Federal Securities Commission of Russia on February 26, 2003 No. 0089-59893097); Open Investment Fund RFI "VTB - Moscow Exchange Index" (Fund rules registered by the Federal Securities Commission of Russia on January 21, 2004 No. 0177-71671092), Open Investment Fund RFI "VTB - Bond Fund. Responsible investments" (Fund Rules registered by the Federal Financial Markets Service of Russia on September 25, 2007, No. 0997-94132239); Open Investment Fund RFI “VTB – Equity Fund. Responsible Investments" (Fund Rules registered by the Federal Financial Markets Service of Russia on September 25, 2007, No. 0998-94132311); Open Investment Fund RFI “VTB – Mixed Investment Fund” (Fund Rules registered by the Federal Securities Commission of Russia on 03/05/2003, No. 0092-59891904); Open Investment Fund RFI "VTB - Gold Fund" (Fund Rules registered by the Federal Financial Markets Service of Russia on March 31, 2009, No. 1407-94156211); Open-end mutual fund of market financial instruments "Post Bank - Gold" (Fund Rules registered by the Central Bank of Russia on 04/09/2020, No. 4009) ), open-end mutual fund of market financial instruments "VTB - Money Market Fund. Rubles" (Fund rules registered by the Central Bank of Russia on August 20, 2020, No. 4138), open-end mutual fund of market financial instruments "VTB - Money Market Fund. Dollars" (Fund Rules registered by the Central Bank of Russia on August 24, 2020, No. 4127), Open-ended mutual investment fund of market financial instruments "VTB - Global Allocation Fund" (Fund Rules registered by the Central Bank of Russia on June 7, 2021, No. 4452), Open-end mutual investment fund of market financial instruments instruments “VTB – Moderately conservative fund. Dollars" (Fund Rules registered by the Central Bank of Russia on 06/07/2021, No. 4453), Open-ended mutual investment fund of market financial instruments "VTB - Bond Fund. Russian issuers" (Fund Rules registered by the Central Bank of Russia on October 28, 2021, No. 4665), Open-end mutual investment fund of market financial instruments "VTB - Equity Fund. Russian issuers" (Fund Rules registered by the Central Bank of Russia on October 28, 2021, No. 4666). Exchange-traded mutual investment funds managed by JSC VTB Capital Asset management: BPIF RFI "VTB - Russian Corporate Bonds Smart Beta" (Fund Rules registered by the Central Bank of Russia on January 31, 2019, No. 3647), BPIF RFI "VTB - American Companies Equity Fund" (Fund Rules registered by the Central Bank of Russia on May 28, 2019, No. 3735), BPIF RFI “VTB – American Corporate Debt Fund” (Fund Rules registered by the Central Bank of Russia on 06.27.2019, No. 3754), BPIF RFI “VTB – Equity Fund for Emerging Countries” (Fund Rules registered Central Bank of Russia 06/27/2019, No. 3755), BPIF RFI “VTB – Corporate Russian Eurobonds Smart Beta” (Fund Rules registered by the Central Bank of Russia 11/19/2019, No. 3906), BPIF RFI “VTB – Liquidity” (Fund Rules registered by the Central Bank of Russia 11/28/2019). 2019, No. 3915), BPIF RFI “VTB – Moscow Exchange Index” (Fund rules registered by the Central Bank of Russia on February 10, 2020, No. 3965), BPIF RFI “VTB – Gold Fund. Exchange" (Fund rules registered by the Central Bank of Russia on May 14, 2020, No. 4038), BPIF of market financial instruments "VTB - Eurobonds in Euro smart beta" (Fund rules registered by the Central Bank of Russia on 09.10.2020, No. 4158), BPIF of market financial instruments "VTB - Fund "American Corporate Debt - Investment Rating" (Fund rules registered by the Central Bank of Russia on June 10, 2021, No. 4460), BPIF of market financial instruments "VTB - Fund for Sustainable Development of Russian Issuers" (Fund rules registered by the Central Bank of Russia on August 23, 2021, No. 4568), BPIF of market financial instruments “VTB – Fund for Shares of European Companies” (Fund rules registered by the Central Bank of Russia on October 18, 2021, No. 4660). “Moscow Exchange Index” and “Moscow Exchange Corporate Bond Index” are stock indices calculated by PJSC Moscow Exchange. The copyright holder of the Trademarks “Moscow Exchange Index” and “MOEX” is PJSC Moscow Exchange. Moscow Exchange PJSC does not give any guarantees or assurances to third parties about the advisability of investing in VTBK UA financial products based on indices calculated by Moscow Exchange PJSC. The basis for the establishment of relations between Moscow Exchange PJSC and VTBK UA is the provision of a non-exclusive license to use the Moscow Exchange Index and MOEX Trademarks. The Moscow Exchange Index and the Moscow Exchange Corporate Bond Index, calculated by PJSC Moscow Exchange and which is directly associated with the Moscow Exchange Index Trademark, were created, calculated, and maintained without reference to VTBK UA and its business activities. The value of investment shares may increase and decrease, past investment results do not determine future income, and the state does not guarantee the return on investments in mutual funds. The rules of trust management of mutual investment funds managed by VTBK UA may provide for premiums (discounts) to (c) the estimated value of investment shares upon their issuance (redemption). Charging premiums (discounts) will reduce the return on investment in investment fund units. Before purchasing an investment share, you should carefully read the rules of trust management of the fund. There is a possibility of complete loss of the initially invested amount. Data on profitability or other results reflected on the site do not take into account commissions, taxes and other expenses. You can obtain information about the Funds and familiarize yourself with the Rules of Trust Management of the Funds, with other documents provided for by the Federal Law “On Investment Funds” and regulations in the field of financial markets at the address: 123112, Russia, Moscow, emb. Presnenskaya, 10, floor 15, room III, by phone 8-800-700-44-04 (for free long-distance and mobile communications), at agent addresses or on the Internet at . VTBK UA does not warrant that the operation of the Site or any content will be uninterrupted or error-free, that defects will be corrected, or that the servers from which this information is provided will be protected from viruses, Trojan horses, worms, software bombs or similar items or processes or other harmful components. Any expressions of opinions, estimates and forecasts on the site are the opinions of the authors as of the date of writing. they do not necessarily reflect the views of VTBC UA and are subject to change at any time without prior notice. 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What are the advantages of compulsory health insurance at VTB?

In case of cooperation with VTB and opening a compulsory medical insurance, the user receives a large number of benefits.

The main ones are:

• no taxation on added value when purchasing precious metals;
• the ability to make changes to your personal portfolio;
• prompt solution to the problem of storing personal metals;
• a very simple and profitable procedure for purchasing and selling metals;
• the ability to make account transactions around the clock anywhere.

You can appreciate all the benefits after directly using the account.

Should you trust it?

The VTB company has been operating in the insurance market for quite a long time and effectively; the monetary security of its policy is about 500,000 rubles, which is 5 times higher than the mandatory value in Russia. Regardless of whether the client signs up for compulsory medical insurance or a voluntary medical insurance policy, he gets the opportunity to use modern medical care, consultations with specialists and referrals for tests.

VTB medical insurance guarantees the provision of timely assistance, comprehensive treatment, and effective rehabilitation for its clients, regardless of their age, place of work and citizenship.

Compulsory medical insurance is a service that is provided to Russian citizens and non-citizens permanently residing in the country according to state legislation. VHI can be purchased voluntarily, but sometimes it is mandatory (for migrants and tourists).

An employer who insures its employees under VHI, in addition to the loyalty of its staff, receives the right to take into account VHI contributions, which reduces taxation. Treatment in comfortable rooms with helpful staff reduces the stress of a hospital stay and allows you to recover faster from illness.

Investment

Investments in gold have been popular for many years. Such deposits are as reliable as possible, thanks to the perfect pricing policy. But this type of investment is characterized by a significant disadvantage. Compulsory medical insurance does not fall under the state insurance program.

Servicing such accounts is more expensive than regular and foreign currency accounts. Therefore, choosing a bank must be taken seriously.

Thanks to the calculator, users can keep their metal deposits under control. To obtain information, indicate the name of the metal, size, and period. The system makes instant calculations.

Anonymized account at VTB: features

To open an account, you need to come to any VTB Bank office. To open compulsory medical insurance, you must present a passport of a citizen of the Russian Federation to a bank employee. An important feature is the mandatory presence of an open account in the national currency. If there is no account, then it is opened along with compulsory medical insurance. There is no commission for opening an account.

Thanks to a gold account, you can manage your bullion much more efficiently. When purchasing metal, the bank does not take into account VAT. There are also no metal processing costs.

The price per gram of precious metal will be set for the entire contract. This feature distinguishes the online purchase of bullion from a physical purchase. When purchasing gold in person, the cost per gram fluctuates and may change based on the weight of the entire bar.

If the user has several metal accounts, he can make transfers between them at any time. But the metal of both compulsory medical insurances must be the same.

Registration of a compulsory medical insurance policy on the official VTB website

For the convenience of clients, several ways to issue a policy are provided, and for those with limited legal capacity and benefit categories, the opportunity to conclude a contract at home is provided.

For future insured persons, it is possible to apply for a compulsory medical insurance policy:

• in person at the company office;
• by submitting an electronic application through the official website of the insurance organization.

Wanting to make the procedure faster and more convenient, VTB has developed a special program for obtaining a policy on the official website. This is the most convenient way to apply for a compulsory medical insurance policy from VTB Medical Insurance.

All the client has to do is enter data in the fields of the electronic application. Subsequently, a company specialist contacts him, who selects the nearest point of issue, a convenient time and advises on obtaining a temporary certificate. The policy itself is issued within a month.

Step-by-step registration of a compulsory medical insurance policy at VTB:

1. When you open the official VTB website (https://vtbms.ru), the region where you are located is automatically detected. If an error occurs, it can be changed. If everything is correct, confirm the location. Then a window will appear asking you to issue a policy. Select the “Compulsory Medical Insurance” option and click the “Submit Application” button.

2. Afterwards, a window for filling out an application will open, in which there are 4 required fields - region of residence, full name, personal mobile phone and email address. Next, check that there is a checkmark next to the box indicating consent to the processing of personal data. Click "Submit".

3. After sending this information, it goes to a specialist serving clients in this region.

By phone you will be given an appointment at the nearest VTB office; the following documents are required:

• personal data of the person taking out the insurance;
• passport series and number;
• address of registration and actual residence;
• SNILS.

The procedure itself takes no more than 5 minutes. And the ability to choose the time and place is very convenient for the modern busy person.

Children under 14 years of age will need a birth certificate. A representative fills out the application for them. If this is a parent, only a passport is enough. For another relative, you will also need a power of attorney.

Bring copies and originals to the meeting. An employee will certify the copies in your presence. Or you can do it in advance, with a notary. Then the originals will not be required.

You can read the details on the official website in the “Documents for compulsory medical insurance policy” section.

Checking the readiness of the compulsory medical insurance policy "VTB Insurance"

Before the appointed day, the insured is issued a temporary certificate with a number. On the official VTB website, using the “Checking the Policy” section, you can find out at any minute how many days it will take to receive your policy. Enter the numbers of the number in a special field on the insurer’s website and find out if the insurance policy is ready.

Detailed instructions in the article: VTB - checking the readiness of the compulsory medical insurance policy by number.

Obtaining compulsory medical insurance using a promotional code from VTB

Using a promotional code when purchasing poles gives a guaranteed discount of up to 15%. A promotional code number is assigned to each VTB client, corporate clients, and can also be issued by third parties as a reward for a large purchase.

Such discounts can be used when purchasing any types of insurance, such as CASCO, OSAGO and others.

More information about the compulsory medical insurance policy at VTB Medical Insurance:

• Responsibility under the current compulsory medical insurance policy;
• Support for insured clients at VTB;
• The procedure for registering a compulsory medical insurance policy at VTB Insurance;
• Receiving the policy at the point of issue;
• Checking the readiness of the VTB Insurance compulsory medical insurance policy.

VTB: investing in gold accounts

The economy has been unstable lately and there have been fluctuations in the financial market. Investing in gold is the most effective tool. Gold investments are less risky compared to stock investments. There is also always the possibility that securities will burn and the currency will depreciate.

Gold always remains in price. Any fluctuations do not have any impact on the pricing policy. At VTB the exchange rate always remains stable. Investments in precious metals can increase personal funds. Bank clients can purchase not only bullion, but also gold coins.

Which precious metal should you choose?

For beginners in this business, the easiest way is to invest in gold and silver. Platinum and palladium are used by professional market participants. Silver is characterized by high volatility. Silver rises and falls in price faster than others. By purchasing when prices fall and selling when prices rise, you can get quite a high income in a short time, although the risk is also high. It is necessary to constantly monitor quotes. Gold has been a more consistent performer, but does not produce as high a return over the short term as silver. Investing in gold brings results over longer periods of time. Gold is an insurance fund and the main reserve currency, so its price will only rise.

Platinum is also an effective tool for generating income, but it has its own characteristics. If gold tends to rise in price during periods of economic instability, then platinum begins to fall. During a period of favorable conditions, platinum begins to grow well. Investors who invest in platinum in a calm economic situation have high income even over a short period of time.

Palladium is used less frequently because its price mainly depends on industrial growth, particularly the automotive industry. Considering that there is now growth in this type of production, the demand for palladium will grow in the next few years, and this will ensure an increase in the price of this metal. Therefore, now many investors working for the long term are actively looking at palladium, investment demand for it is growing. You should not invest in only one type of metal. You should diversify your investments into different metals. If one falls in price, the other will rise. This will minimize the risk of loss and bring higher income.

Compulsory medical insurance: pricing policy

VTB Bank offers its clients to open accounts for the following precious metals:

• gold;
• silver;
• platinum;
• palladium.

Metals are extracted constantly, due to which reserves are replenished. The price policy for metals is determined by London, which sets the international exchange rate twice a day.

The rate that Russian banks take into account is set by the Central Bank. VTB forms the internal exchange rate, taking into account data from the Central Bank and internal reserves.

Thanks to the VTB personal account, users can track all quotes for precious metals, carry out instant purchase and sale transactions, and track analytics on deposits. The user independently keeps records of tax payments for transactions with metals.

Range of services

You can carry out all the desired and necessary deposits and banking transactions without even leaving your home. An electronic website of the institution has been created specifically for such actions. It is possible to make payments and monitor your balance anywhere in the world, because all you need to do is have a mobile phone. Today this organization can offer the following services:

• Issuing loans for an apartment, car, other needs;
• Assignment of credit, salary, and debit cards;
• Deposits in international currency, gold, silver;
• A special program for pensioners on favorable terms.

VTB: investing in silver

The client has the right to open an account not only in gold, but also in silver at the rate established by the bank. The rate for buying fluctuates between 30.25, and for selling - 31.83. To carry out a purchase-sale operation, it is necessary to take into account the minimum threshold of 1 year. In the future, the client can transfer the required amount from the account to another account, but only in silver.

Compared to previous months, the silver rate began to fall rapidly. But don’t panic and cash out. Most likely, the rate will rise in the near future.

Registration of a voluntary health insurance policy on the official VTB website

The application is submitted in the same way as for the mandatory one. Only in the pop-up window you need to select “VHI”. Then indicate your full name, region and contact information. An employee will contact you to clarify the program and other details.

Step-by-step registration of a voluntary health insurance policy at VTB:

1. When you open the official VTB website (https://vtbms.ru), a window will appear asking you to issue a policy. Select the “VHI” option and click the “Submit Application” button.

2. In the window that appears, specify:

• required region;
• FULL NAME;
• and contact information - phone number and email address.

Check that the box next to consent to the processing of personal data is ticked. Click "Submit".

3. After sending this information, it goes to a specialist serving clients in this region.

The operator will tell you when it will be possible to get the policy and where the nearest VTB branch is located. When VTB's medical policy is ready, you will be notified by phone and email.

By phone you will be given an appointment at the nearest VTB office. The operator will tell you when it will be possible to get the policy and where the nearest VTB branch is located.

Then you need to fill out an application. This can be done in the office or at home, in advance. Download the form on the website or pick it up at the branch.

Please attach the following documents to your application:

• passport or other identification;
• SNILS (if issued);
• previous VHI policy, if any.

The procedure itself takes no more than 5 minutes. And the ability to choose a convenient time and place is very convenient for a modern busy person.

The policy can be obtained at any issuing point, you just need to indicate the point in advance. The list and location can be viewed on the website. To do this, on the main page, select “Addresses of pick-up points”. Then find the desired office on the map. You can use the search for the nearest one by address (at the top of the page).

The registration of a VHI agreement takes place exclusively in the office, since it is necessary to select a program in which additional beneficial options can be included.

Age also affects the cost of the program. In this case, an online application can only speed up and simplify the receiving process, because a convenient day and time will be chosen at which the specialist will expect the client.

Checking the readiness of the VTB Insurance VHI policy

An insurance company employee, having accepted the citizen’s data, sends it to the contract processing department, from where the completed policy will be received in a few days.

You will be notified of the document's readiness by phone or email. But if you wish, you can clarify the terms by calling the VTB Medical Insurance helpline. The hotline number is 8 (800) 100-800-5. It will also answer other questions related to insurance.

More information about the VHI policy at VTB Medical Insurance:

• VHI medical programs from VTB Insurance;
• VTB 24 - the cost of a VHI medical policy;
• "VTB Insurance" - purchase of a voluntary health insurance policy;
• List of VHI policy clinics from VTB Insurance;
• Hotline number for VHI policy.

Account operations

Actions with a deposit can be performed in VTB Online only for users with online accounts. Provided:

• purchase of impersonal precious metals for rubles;
• sale of unallocated metal for rubles;
• transfer of precious metals to other impersonal accounts opened in the name of the client.

It is possible to replenish compulsory medical insurance:

• by purchasing metal from VTB Bank (the amount of precious metal equal to the amount of the contribution in rubles is credited to the account);
• by sending metal from other compulsory medical insurance companies in identical metal.

The client also has the right to sell precious metals to the bank from his account for rubles at the established rate. The cash equivalent for the gold will be debited from the account.

Tax conditions

VTB is not a tax agent for transactions with an impersonal account. The user independently calculates and pays tax on the sale of impersonal precious metals.

Residents of the Russian Federation calculate and pay tax at a rate of 13%. If the precious metal is owned for less than 36 months, the rate may be lowered. If the metal is in possession for more than the specified period, then the profit from the sale is not subject to personal income tax.

How is profit generated?

To calculate your profit, you can use a profitability calculator. Transactions are allowed to be made from anywhere in the Russian Federation. To receive a calculation on the website you need to indicate:

• type of metal;
• forms of investment: rubles or precious metals;
• investment period.

Afterwards, the profitability will be calculated and the difference between the invested and earned funds will be indicated. But the data is for informational purposes only, does not constitute an offer and may change throughout the day. Exact information can be obtained from the manager at the VTB office.

Profitability calculation

To calculate the profitability of a deposit in VTB 24, you need to use the formula:

D = (K2-K1) / K1 x 100%, where K1 is the gold sales rate. It is set by VTB on the date of sale, K2 is the purchase rate at the moment when the precious metal was purchased.

By tracking changes in the value of gold on the world market, the owner of an impersonal deposit can receive income in the same way as when playing on the stock market.

There is a profitability calculator on the website of a commercial organization, using which you can make approximate calculations.

Gold rate for today VTB 24 – what does the chart show?

On the gold chart you can see how the price of the metal varies today. Small deviations within the graph indicate an excess of supply or demand. Taking into account technical analysis, it is more likely that the rate will increase.

Large players invest only in proven products. Today, the gold rate at VTB is the most favorable for both sale and purchase.

It is very easy to purchase bullion at VTB. To do this you should:

1. Make an application at the bank to open an impersonal account.
2. Top up your account. This can be done in several ways: buy precious metal from a bank or deposit money into an account. The funds will be automatically converted into metal.
3. You can close your account at any time and receive your money.

The client does not have the right to return the deposit in precious metal, since the investment is made without the physical presence of the bullion.

Voluntary health insurance programs from VTB 24 (Telemedicine, Medical Advisor, Manage your health)

A voluntary health insurance policy received from a medical provider opens up the possibility of high-quality and comfortable treatment in the insurance company’s partner clinics.

VHI allows you to receive medical care in three main areas: outpatient, inpatient and emergency.

Outpatient care includes a number of examinations and tests, consultations, day hospital care and assistance from a dentist. Inpatient care includes examinations, procedures, treatment, including surgery. Emergency care is the delivery of a patient to hospitalization and home by ambulance from a partner clinic.

There are also boxed products. Currently, VTB offers voluntary medical insurance under the following programs:

• Telemedicine for children;
• Telemedicine for adults.

According to these poles, it is possible to have an urgent online consultation with an on-duty therapist or pediatrician with the provision of a written report, scheduled online consultations with several specialists to clarify past diagnoses, the organization of diagnostic examinations and treatment on the terms that the patient pays for everything, the establishment of a personal account in which all information will be stored. documentation.

You can find out the price and terms of the agreement for the program here:

• “Telemedicine for children” from VTB on the website: .
• “Telemedicine for adults” from VTB on the website: .

Medical advisor. We provide remote (by phone or Skype) consultations with doctors of narrow specialized specialties based on available reports, treatment of complications resulting from previous treatment and operations, organization of outpatient services and any hospitalization, organization of medical examinations and dental services. Psychologist consultations by phone.

You can find out the price and terms of the contract for the MedSovetnik program at VTB on the official website: https://vtbms.ru/dms/medsovetnik/.

Manage your health, designed for cancer patients. The program includes a consultation with an oncologist, drawing up a treatment plan, organizing surgical and conservative treatment, organizing hospitalization, preserving reproductive material, remote consultations with a psychologist and psychotherapist, assistance in collecting documents when an insured event occurred, organizing the provision of medications, as well as any information support on all health issues and stages of treatment.

You can find out the price and terms of the contract for the “Manage Your Health” program at VTB on the website: .

VTB 24 - cost of VHI medical policy

At VTB, the cost of voluntary health insurance depends on the following factors:

• number of insured employees (if a corporate policy is issued);
• a list of services that workers will be able to receive in medical institutions.

The greater the number of insured people, the cheaper the cost. For the list of services, the inverse relationship applies - an increase in the number of services increases the price.

The cost directly depends on what exactly the client wants to receive if he seeks medical care.

• The cheapest policy is one paid for by the employer (from several thousand rubles). It involves examination and treatment of the patient.
• You can count on service in reputable mid-level clinics if you have a VHI policy from VTB, the cost of which starts at 10,000 rubles.
• For 30,000 rubles, the policyholder can receive an expanded range of services - care in a clinic, dental services, etc.
• For a person who pays 50,000 rubles, the doors of expensive clinics with modern equipment and experienced doctors will be opened wide. Here you can conduct a quality examination and receive the necessary treatment.

The maximum amounts of payments for insured events are directly dependent on the cost of the policy and cannot exceed it.