Ingosstrakh

What Ingosstrakh does

Ingosstrakh (СПАО «Ингосстрах») is one of Russia's largest and oldest insurance companies, operating continuously since 1947 from its Moscow headquarters. It provides a comprehensive insurance portfolio spanning mandatory and voluntary lines for both retail individuals and corporate clients. Core products include auto insurance (OSAGO, Kasko and its Mini-Kasko and subscription variants, OSGOP taxi), property and travel coverage (apartments, houses, mortgages, domestic and international travel), health and life insurance (DMS voluntary health, oncology, telemedicine, accident, mental health, savings life), and specialized corporate lines (cargo, marine P&I, aviation, hazardous objects, cyber, agricultural, professional liability, and reinsurance). The company holds full Central Bank of Russia licensing and carries the highest ruAAA reliability rating from Expert RA.

Distribution is built on a hybrid physical-digital model: 700 sales offices and 300 settlement offices across Russia, supplemented by the ingos.ru website, IngoMobile mobile application, MAX Messenger integration, Gosuslugi SSO, agent and partner networks, and a Personal Manager service for corporate and VIP clients. Technology infrastructure enables online policy issuance, self-service claims with photo documentation, ERA-GLONASS accident integration, and integration with Russian government services (Gosuslugi, ERIPO). Beyond insurance, Ingosstrakh operates within the Ingo Ecosystem alongside wholly-owned subsidiaries Ingo Bank (IngoCards with up to 10% cashback), IngoAuto, and Ingolab medical laboratories, creating cross-sell between insurance and banking products. The company serves over 6.1 million individual clients and 229,000 corporate clients, paid out 105.45 billion rubles in claims in 2024, and was included in India's expanded list of 11 approved Russian marine insurers in 2026.

Name

Ingosstrakh

Legal name

СПАО «Ингосстрах»

Website

https://ingos.ru

Company type

Private

Founded year

1947

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Ingosstrakh (Ингосстрах) is a major Russian insurance company founded in 1947, offering auto, property, health, travel, life, and corporate insurance to over 6.1 million retail and 229,000 corporate clients across Russia through 700 offices, a mobile app, and the integrated Ingo Ecosystem with banking and auto services.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Insurance Carriers (5241), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

akta.pro secondary industries

Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE), International/Expatriate Individual Health Insurance (FSAIAEAH), Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance (THALALAK)

Keywords

• Property casualty insurance
• Voluntary health insurance
• Mandatory auto insurance
• Corporate risk insurance
• Marine and cargo insurance

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Property and Casualty Insurance: Core business including auto (OSAGO, Kasko), property, travel, and other non-life insurance products for retail and corporate customers. Revenue from premium collection minus claims paid.
2. Health and Life Insurance: Voluntary health insurance (DMS), accident insurance, life insurance, and oncology coverage generating recurring premiums.
3. Corporate and Specialized Insurance: Business insurance including cargo, marine risks, aviation, dangerous objects, financial risks, professional liability, agriculture, and reinsurance services.
4. Banking and Ecosystem Services: Revenue from Ingo Bank products including IngoCards with cashback, subscriptions, and integrated financial services.

Pricing tiers

Go-to-market motion1 record

Distribution channels9 records

Marketing channels9 records

Core offering

Ingosstrakh is a Russian insurance company offering a diversified portfolio of insurance products across auto (OSAGO, Kasko), health (DMS, oncology), property, travel, life, and corporate lines (cargo, marine, aviation, cyber, professional liability, reinsurance). It distributes through 700 sales offices, 300 settlement offices, the ingos.ru website, the IngoMobile app, and an integrated financial services ecosystem with Ingo Bank.

Product overview

Ingosstrakh (СПАО «Ингосстрах») is a diversified Russian insurance company offering a broad portfolio of insurance products through both retail and corporate channels. The product lineup consists of: (1) Auto insurance products — ОСАГО (mandatory third-party liability), Каско (comprehensive auto with variants including Mini-Каско, Каско по подписке, Каско на автомобиль в кредите), Защита от ДТП по чужой вине, and ОСГОП такси; (2) Health and life insurance — ДМС, ОСАГО health components, Онкомед, телемедицина, Страхование от укуса клеща, and various life/accident insurance products; (3) Property and travel insurance — Страхование квартиры, дома, ипотечное страхование, and travel insurance (ВЗР and domestic); (4) Business/corporate insurance — cargo, marine, aviation, dangerous objects, financial risks, cyber, agriculture, and professional liability; (5) A digital ecosystem platform (Инго Экосистема) integrating IngoMobile app, IngoCard banking product, and personal manager services. The company operates through 700 sales offices and 300 claims offices across Russia, with online distribution via website and IngoMobile app.

Differentiator

Problem solved

Functional benefit

Brands

• IngoCards (ИнгоКарты): Debit cards from Ingo Bank with cashback up to 10% for insurance policy payments and purchases
• IngoMobile
• Ingolab (ИнгоЛаб)
• Ingosubscribe (Каско по подписке)
• IngoBusines (Ингобизнес)

Products and services

• OSAGO (Mandatory Auto Liability Insurance) Mandatory third-party liability insurance for vehicle owners covering damages caused to other parties in road accidents, sold as annual policy with e-OSAGO digital format. Targets Russian vehicle owners.
• Kasko (Comprehensive Auto Insurance) Voluntary comprehensive auto insurance covering damage, theft, and total loss of the insured vehicle, with deductible options, installment plans, and a subscription model. Targets individual and corporate vehicle owners.
• OSGOP Taxi (Mandatory Passenger Carrier Liability Insurance) Mandatory civil liability insurance for taxi passenger transporters covering harm to passengers' life, health, and property, with payouts up to 2,025,000 rubles for life, 2,000,000 for health, and 23,000 for property damage. Targets taxi companies and passenger carriers.
• International Travel Insurance (ВЗР) International travel insurance covering medical expenses, emergency evacuation, and trip-related emergencies for travelers abroad. Available from 300 rubles for basic coverage. Targets Russian outbound travelers.
• Domestic Travel Insurance Domestic travel insurance for trips within Russia covering medical expenses and travel-related emergencies. Targets Russian domestic travelers.
• Apartment Insurance Property insurance covering damage to apartments and personal belongings from covered perils including fire, water damage, and vandalism. Available from 700 rubles annually. Targets individual apartment owners and tenants.
• House and Dacha Insurance Insurance for country houses and dachas covering the building structure and property against fire, natural disasters, and other risks. Targets owners of suburban and country properties.
• Mortgage Insurance Insurance required for mortgage borrowers, typically covering the property as collateral against the outstanding loan. Targets Russian mortgage borrowers.
• DMS (Voluntary Health Insurance) Voluntary health insurance providing access to private medical services including doctor consultations, diagnostics, treatment, telemedicine, lab tests, and international programs. Available for individuals, corporate clients, and children.
• Oncology Insurance (OnkoMed) Oncology insurance providing financial support and access to treatment programs for policyholders diagnosed with cancer. Targets individuals concerned about cancer coverage.
• International Medical Insurance (MMS) International private medical insurance for expats and frequent travelers providing global healthcare access. Targets expats and internationally mobile individuals.
• Migrant Insurance Health insurance designed for foreign nationals and migrants working or staying in Russia. Targets migrant workers and foreign nationals in Russia.
• OMS (Mandatory Health Insurance) Mandatory health insurance component provided through the state OMS system, covering basic medical services. Targets Russian residents.
• Life and Health Insurance Life and health insurance providing financial protection and medical coverage for policyholders. Targets individuals seeking life protection coverage.
• Accident Insurance Accident insurance providing monetary compensation (up to 1,000,000 rubles) in the event of accidental injury or death. Available from 24 rubles. Targets individuals seeking accidental injury coverage.
• Savings Life Insurance Unit-linked or savings life insurance combining life coverage with an investment/savings component. Targets individuals seeking long-term savings with life coverage.
• Cargo Insurance Cargo insurance covering goods transported by various modes of transport against loss, damage, and other transit risks. Targets shippers, logistics companies, and trading firms.
• Marine Risks Insurance (Hull and P&I) Marine hull and liability insurance covering vessels and ship owners against maritime risks, including Protection and Indemnity (P&I) coverage for ship owners. Targets shipping companies and vessel operators, including international marine trade.
• Hazardous Objects Insurance Insurance for hazardous production facilities covering liability and property damage related to dangerous industrial operations. Targets industrial operators of hazardous facilities.
• Aviation and Space Insurance Aviation and space insurance covering aircraft hull, liability, and space industry risks. Targets airlines, aircraft operators, and space industry companies.
• Financial Risks Insurance Financial risk insurance covering business losses from various financial events including credit, currency, and market risks. Targets businesses and financial institutions.
• Cyber Insurance (Cyber Ingo) Cyber insurance covering corporate liability and losses from cyber attacks, data breaches, and IT incidents. Targets businesses facing cyber risk exposure.
• Agricultural Insurance Agricultural insurance covering crops, livestock, and farm equipment against natural perils and disease. Targets farmers and agricultural enterprises.
• Professional Liability Insurance Professional liability insurance covering various professional groups including doctors, appraisers, and evaluators against claims of professional negligence. Targets professional service providers.
• Reinsurance Services Reinsurance services provided to other insurance companies for risk-sharing and capacity management. Targets insurance companies seeking reinsurance capacity.
• Pet Insurance Insurance coverage for veterinary expenses and liability related to pet ownership for dogs and cats. Targets pet owners.
• IngoCard (Banking Product with Cashback)

Quantifiable outcome

• 105.45 billion rubles in insurance payments to customers in 2024
• +3 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• Agent and Partner NetworkcoreChannel Partner/ Reseller/ DistributorIngosstrakh distributes products through a network of independent agents and business partners who sell insurance policies on commission, extending the company's reach beyond owned sales offices.
• India Directorate General of ShippingcoreOthersIngosstrakh is one of 11 Russian insurers authorized by India's Directorate General of Shipping to provide marine protection and indemnity coverage for ships docking at Indian ports. Registrations valid 2026-2030. This enables continued coverage for vessels transporting Russian oil amid Western sanctions.
• P&I Correspondents NetworkcoreChannel Partner/ Reseller/ DistributorIngosstrakh maintains a network of P&I (Protection and Indemnity) correspondents for marine insurance operations, facilitating international coverage and claims handling for shipping clients.
• Insurance AgentscoreChannel Partner/ Reseller/ DistributorIndividual insurance agents sell Ingosstrakh products on commission basis, providing personalized consultation and expanding customer reach.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Allianz: Global multi-line insurance giant with comparable product portfolio breadth (P&C, life, health, specialty). Useful strategic benchmark for ecosystem thinking and digital transformation scale, despite no direct Russian-market overlap.
• Vienna Insurance Group (VIG): Major multi-line European insurance group operating across CEE. Useful international comparable for product breadth, multi-channel distribution, and combined-ratio benchmarks even though VIG does not directly operate in Russia.

Direct peers

• Sber Insurance (Sberbank Insurance / Сбербанк Страхование): Insurance subsidiary of Sberbank, Russia's largest bank. Directly competes with Ingosstrakh across life, property, and travel insurance with a captive deposit-customer distribution advantage and significant scale.
• AlfaStrakhovanie (АльфаСтрахование): Diversified Russian insurer part of the Alfa Group conglomerate. Competes directly across retail auto, health (DMS), property, and corporate insurance with strong bank-affinity distribution.
• VSK Insurance (ВСК): Top-10 Russian multi-line insurer with comparable product breadth across auto, property, health, and corporate lines, often competing in OSAGO and Kasko market share rankings.
• SOGAZ (СОГАЗ): One of Russia's largest insurers by premiums, with particular strength in corporate, energy, and state-affiliated accounts. Overlaps with Ingosstrakh's corporate and specialty lines.
• RESO-Garantia (РЕСО-Гарантия): Top-tier Russian multi-line insurer competing head-to-head with Ingosstrakh in OSAGO, Kasko, property, and corporate lines, with comparable agency network depth.
• Rosgosstrakh (Росгосстрах): One of the oldest and largest Russian insurers with a national retail footprint. Directly comparable to Ingosstrakh in OSAGO, property, and rural/regional distribution.
• Renessans Insurance (Ренессанс Страхование): Mid-to-large Russian multi-line insurer competing in retail auto, travel, and health insurance, with a digital distribution strategy similar to Ingosstrakh's online push.

Emerging players

• Tinkoff Insurance / T-Insurance (Тинькофф Страхование): Digital-first insurance arm of T-Bank (formerly Tinkoff). Competes with Ingosstrakh in retail auto, travel, and property via an app-native model that pressures traditional branch-based competitors.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ingos_insurance

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ingosstrakh