A World of Opportunities...

Develop the Possibilities!

Innovative and transparent approaches to reduce Employee Benefits costs


1st Global Employee Benefits Conference in Russia

1 October,  2015

InterContinental Hotel, Moscow, Russia

MetLife in Russia


MetLife[1], a company of MetLife, Inc., has been operating in Russia since 1994 and has consistently held its leading position in the Russian life insurance market.[2]

More than two million individual clients and one thousand leading Russian and international companies as well as SMEs have chosen MetLife as a reliable partner and provider of insurance services.

MetLife offers a wide range of life and health insurance products to individual and corporate clients through a diversified sales network in 30 cities and via its partners, operating all over Russia from Kaliningrad to Vladivostok.

MetLife’s strong financial position and high quality of services have been confirmed by the highest credit rating, “A++” assigned by a leading Russian rating agency, “Expert RA” and the highest credit rating, “ruAAA” assigned by an international rating agency “Standard & Poor’s”.

MetLife is a two times prize winner of the exclusive Russian public award in the insurance sphere “Golden Salamandra” in “The Best Life Insurance” nomination category and also a four times laureate of the “Russian Financial Elite” award in the “Life Insurance Company of the Year” and “Financial Strength” nominations[3].   

MetLife is a member of the Association of Life Insurers (ALI), the All-Russian Insurance Association, the American Chamber of Commerce (AmCham), the Association of European Business (AEB) in Russia.

Since 2011, MetLife has been an official sponsor of the State Academic Bolshoi Theater of Russia.


MetLife in the world


MetLife, Inc. is a leading global provider of insurance, annuities and employee benefit programs. Through its subsidiaries and affiliates, MetLife holds leading market positions in the United States, Japan, Latin America, Asia, Europe, the Middle East and Africa.



[1] Joint-Stock Company “MetLife Insurance Company”, short – JSC “MetLife”, license С № 3256 77 issued 12.05.2014 by Bank of Russia. Address: 127015, Moscow, Russia, bld 76/1 Butyrskaya str., tel.: +7(495) 937-5995, fax: +7(495) 937-5999.

For more information, visit www.metlife.ru.

Data as for July, 2015


[2] By total premium collection as of The Bank of Russia official data.


[3] According to 2011, 2012, 2013 and 2014 year end results




WELBI (registered trade mark for BLAGOSOSTOYANIE Group of insurance companies) was set up in Russia in 2005 by Aviva plc (the largest insurer in the UK) and was subsequently sold to BLAGOSOSTOYANIE Pension Fund in 2013, the second largest pension fund in Russia.


WELBI is a leading local insurer offering personal accident and sickness insurance to corporates and banks, with strong international corporate clientele represented by 100+ names, 600+ group contracts and 150,000+ lives insured, and with bancassurance partnerships with 20+ banks insuring 3+ million customers.


The insurance company is also an exclusive associate insurer of International Group Program (IGP), one of the largest pooling networks world-wide.




Allianz Global Benefits


Global benefits for global companies - based on best local practice

  • Globally coordinates the provision of employee benefits solutions

  • Addresses the needs of multinational companies in this area

  • Leverages broad experience and competence of a trusted global insurance company

  • Includes more than 110 Allianz subsidiaries and selected external insurance partners in over 90 countries

  • Headquartered in Germany with a team of international experts based in the regional Allianz offices in Munich, Vienna, London, Minneapolis, Warsaw and Singapore

  • Operates as a ''one-stop shop'' to serve multinational corporate clients in the employee benefit field around the world




Zetta Insurance Company Ltd, a multifunctional insurance company, former Zurich Insurance Company Ltd, has been present in the Russian market since 1993. In February, 2015 the company was renamed into Zetta Insurance Company Ltd and is now operating under this brand name. The company’s rebranding was a step forward in its journey of expanding and developing of its business in Russia.

Zetta Insurance Company Ltd is focused on providing services to individuals and legal entities. According to Licenses of the Central Bank of the Russian Federation СИ № 1083, СЛ № 1083, ОС № 1083 – 3, ОС № 1083 – 4, ОС № 1083 – 5, ОС № 1083 – 2 and ПС № 1083 the Company offers over 90 insurance and reinsurance programs. 

Today the company has over 100 points of sale, about 3,500 agents in more than 150 locations of Russia, as well as partner relationships with 350 motor dealers and 30 commercial banks. Over 650,000 Russians, as well as SME companies are clients of Zetta Insurance Company Ltd.

The reliability and financial strength of Zetta Insurance Company Ltd have been proved by the Expert Ra Rating Agency. The company is awarded ‘А’ financial strength rating (High Level of Reliability) with a «positive» forecast, which means a high probability of its being raised in a mid-term perspective.

The quality management system applied for insurance and reinsurance operations meets the requirements of ISO 9001-2011 (ISO 9001:2008), which is confirmed by the compliance certificate.

Zetta Insurance Company Ltd is a team of top-quality professionals with many years of experience in the insurance business. Based on its global experience the company offers to its clients a high level of service and products with fair prices.  

Zetta Insurance Company Ltd is a member of the All-Russian Insurance Association, Russian Association of Motor Insurers, National Association of Liability Insurers, Association of European Businesses in the Russian Federation and a number of other professional and industrial unions.


Since 2013 Zetta Insurance Company Ltd in cooperation with Cigna offers Worldwide Health Insurance plan for globally mobile employees in Russia

The Generali Employee Benefits (GEB) Network is Generali Group’s strategic unit dedicated to employee benefits solutions for corporate clients.


Established in 1966, GEB is the world’s leading employee benefits network by premium volume and geographic footprint, serving more than 1500 multinational companies in over 120 countries.


With almost 50 years’ experience in supporting the success of our global clients, GEB is well placed to understand the growing, strategic importance of employee benefits in order for companies to attract and retain the best talent. GEB is committed to investing in technology, people and innovation to provide clients with the best solutions for their employees, and lay the foundations for long-term relationships.




VTB Insurance – one of the leaders on Russian insurance market

Since 2000, VTB Insurance has consistently provided a wide range of award-winning insurance services to its clients. Our company aims to offer comprehensive protection for both Russian businesses and individuals. The authorized capital of VTB Insurance is 5.5 billion roubles, with insurance premiums standing at 38.1 billion roubles as of the end of 2014.

VTB Bank, a leading Russian bank, is the sole shareholder of our company. VTB Insurance is part of VTB Group, a leading international financial group based in Russia. Our clients include businesses engaged in the defense industry, water and air transport, woodwork, coal mining, chemicals, power engineering, civil construction, finance, commerce, and energy.

VTB Insurance has a vast regional branch network. The Company has 39 branches and 166 outlets in 59 constituent entities of the Russian Federation, covering 114 largest cities of Russia.

VTB Insurance holds Licence C No. 3398 77, issued by the Federal Insurance Supervision Service, and offers a full range of insurance services (excluding life insurance) to businesses and individuals.

 Our policies include:

  • property insurance:

    • financial risks insurance

    • freight insurance

    • civil engineering insurance

  • private insurance:

    • health and accident insurance

    • voluntary health insurance

    • travel insurance.

    • motor vehicle insurance

  • third party general and professional liability insurance, including Compulsory Motor Third Party Liability

  • other types of insurance as may be required by clients.

Our company reinsures its portfolio with leading international and Russian insurance and reinsurance groups.

VTB Insurance is a member of the All-Russian Insurance Association, the Russian Association of Motor Insurers, the National Association of Liability Insurers, the Interregional Association of Health Insurers, and the Russian Association of Aerospace Insurers.

VTB Insurance VTB Insurance holds А++, the highest possible rating of reliability given by Expert RA, the major national rating agency. BB+ long-term counterparty credit rating and financial strength rating from Standard&Poor’s. This is the maximal rating among the insurers with the Russian capital.

VTB Insurance is the winner of Expert RA nomimation “Leader of the health and accident insurance 2014”. Company is the winner of the Finance magazine award for Aggressive Growth in the Insurance Market and Expert RA’s awards for Headstart, Strong Business Growth, Aggressive Bancassurance Growth, and Business Profitability Excellence.

Our company holds a Bancassurance Leader Diploma for Strategic Bank Partnership Programmes.



BENEFACTORY is a registered trade mark and an online web based HR solution developed by AGroup. It is a one stop shop for the selection and management of employee benefits. BENEFACTORY is an ecosystem bringing together best of breed benefit vendors providing products and services of high quality to employees and their family members.


BENEFACTORY delivers unmatched services that enable employer of any size with:

  • expanding for FREE the benefits package with best offerings provided by carefully selected benefit vendors

  • eliminating the paperwork and hassle out of benefit administration process

  • simplifying enrollment of employees in benefits

  • ensuring the high quality of benefits provided by BENEFACTORY vendors.


BENEFACTORY contains a wide set of goods and services offered to employees and their families as benefits:

  • medical and life insurance, property insurance, car insurance, travelers insurance

  • fitness and sports centers membership

  • traveling and recreation offerings

  • online education and training courses

  • restaurant and shopping discounts, food delivery discounts

  • medical and health programs, online medical assistance.


AGroup is one of the leaders in human resource management and payroll solutions in Eastern Europe and Middle Asia. Its products help streamline people management processes, reduce complexity and maximize productivity for hundreds of organizations in 24 countries.


Based on the company’s suite of products, AGroup continues to satisfy its broad customer base. AGroup firmly believes that an organization’s ability to effectively hire best people, flawlessly manage the workforce and minimize employee turnover is their most important competitive advantage. AGroup's solutions are flexible, highly scalable and capable of running on various platforms, can be delivered as on-premise applications or SaaS cloud-based solution.


Since starting in the UK in 1947 with just 38,000 members, Bupa has developed into an internationally respected brand serving over 2.1 million customers around the world. Bupa Global was established in 1971 to extend our health cover to people around the globe, Since then we have expanded our network to 190 countries and grown our membership to over 800,000 people.


Bupa Global is the specialist international division of Bupa  we provide products and services for globally minded people who want the most premium coverage and access to excellent healthcare anytime, anywhere in the world, whether at home or when studying, living, travelling or working abroad. We have a  global team of advisers and health experts who, between them, speak multiple languages 24/7. .Allowing access to a network of over 850,000 medical providers around the world, our International medical insurance gives globally minded customers the flexibility to choose where and how they receive treatment.


Bupa Global employs over 1,500 people and has offices in London and Brighton (UK), Miami (USA) and Copenhagen (Denmark), as well as in Egypt, Mexico, the Dominican Republic, Hong Kong, Bolivia, Ecuador and Australia.


In order to continue to be a world leader in health insurance, we invest time and money in continually developing our systems, products, property, people and technology. We work with hospitals and clinics all over the globe, negotiating exclusive rates and service agreements that give our members the highest levels of care. It is our aim to provide companies all over the world with a healthcare insurance service that is second to none.