Часто Задаваемые Вопросы о Страховании

Question 1

What is a deductible?

Accepted Answer

This is a fixed percentage that the client pays for each insured event. The higher the deductible, the lower the insurance cost.

Question 2

What is the sum insured?

Accepted Answer

This is the maximum possible payout under the policy. If the damage exceeds the insured amount, the insurer will only compensate up to this limit.

Question 3

What property can be insured, and what is not?

Accepted Answer

You can insure: • an apartment in an apartment building; • a private residential building. The following property is not accepted: • built before 1955; • wooden buildings; • houses made of reed-frame panels, adobe, or SIP panels.

Question 4

When does the policy take effect?

Accepted Answer

For the "Maximum" and "Collect Policy" plans, the policy takes effect on the date you select, but not earlier than the day after purchase. For the “Standard” plan, the policy comes into effect on the date you select, but not earlier than 11 days after purchase.

Question 5

Can I insure my home without proof of ownership?

Accepted Answer

Yes. You don't need to show proof of ownership of the apartment when purchasing the policy. They will only be required upon payment, to confirm that you were the owner or legal occupant of the property at the time of the incident.

Question 6

Will the apartment be insured if it is mortgaged?

Accepted Answer

Yes, you can insure an apartment with a mortgage.

Question 7

How is the payout calculated?

Accepted Answer

The payout amount depends on the selected program and includes: • Insured amount – the maximum compensation; • Damage assessment after inspection; • Deductible (if any) – the part of the loss paid by the client. Example: if the damage is 500,000 tenge and the deductible is 30,000 tenge, the insurance payout will be 470,000 tenge.

Question 8

For what period can I purchase insurance?

Accepted Answer

From 1 month to 12 months. When renewing the policy, I can select a new period.

Question 9

Is this policy suitable for a mortgage? Will the bank accept it?

Accepted Answer

No, this policy is not suitable for a mortgage, but you can get the right one at any of our branches

Question 10

Why insure an apartment?

Accepted Answer

Because in the event of a fire, flood, or accident, all repair costs are borne by the owner. Insurance allows you to: • avoid spending your own savings; • quickly restore your home; • protect yourself if your neighbors are injured - Halyk Insurance will handle the matter with them and pay compensation.

Question 11

Can I purchase insurance in installments?

Accepted Answer

Yes. The "Maximum" plan can be purchased in installments in the Halyk app.

Question 12

What should I not do before inspection?

Accepted Answer

You must not alter the scene, clear away, or repair the damaged property. The only actions permitted are those related to safety or the prevention of further loss/damage.

Question 13

Does insurance cover fires caused by power outages?

Accepted Answer

Yes, unless the owner has an official order requiring mandatory replacement of electrical wiring. If such an order was issued but the work was not completed, the event is not considered an insured event.

Question 14

What does the SMS from number 1414 mean?

Accepted Answer

This is a request for consent to the processing of personal data. Approval is required, otherwise the policy cannot be issued.

Question 15

Can I insure a rented apartment?

Accepted Answer

Yes. You can insure both rented and leased properties. However, the owner receives the payment, since the damage is to their property.

Question 16

What should I do in the event of an insured event?

Accepted Answer

1. Preserve the property as you found it (take photos/videos). 2. Stop the damage from spreading (turn off the water, disconnect the power). 3. Call the emergency services: – Fire department – 101; – Police – 102; – In case of a housing and utilities accident – call your Housing & Utility Management. 4. Notify Halyk Insurance at 797 within 24 hours. What should I not do? Change the furnishings or condition of the damaged property before inspection by a company representative, except in the following cases: • If it is necessary to ensure safety • To prevent further damage

Question 17

What is considered an insured event?

Accepted Answer

This is an event that causes damage to your home and for which the insurance company pays compensation. Typical insured events: • Fire; • Explosion; • Flooding; • Property damage due to utility system failures; • Burglary or robbery (if included in the program)

Question 18

Where can I find my policy?

Accepted Answer

In the "Profile" section of the Halyk app or in your personal account on the website. You can also download it there.

Question 19

How do I purchase insurance online?

Accepted Answer

1. Go to the insurance calculator on the website or in the app. 2. Specify your property details and select an insurance program. 3. Enter your personal information. 4. Pay for the policy. 5. Receive the electronic document – it will appear in your profile.

Question 20

Why won't the policy be issued if I responded to the SMS?

Accepted Answer

The system only accepts numbers, not the words " Да," "Иә," or "OK." Refresh the page and repeat the process.

Property Insurance