What Rosgosstrakh LLC does

Rosgosstrakh LLC is a Russian diversified property-and-casualty and life insurer organized as a public joint-stock company (ПАО СК «Росгосстрах»), headquartered in Moscow and licensed by the Bank of Russia across multiple insurance and reinsurance categories. Founded in 1921, it is one of Russia's oldest and largest insurers, serving 12.9 million clients and operating a network of more than 1,300 service offices nationwide. Reported gross premiums totaled 93 billion RUB in 2024, with annual client payouts of 19.5 billion RUB in the first half of 2024 alone.

The company's product portfolio covers mandatory and voluntary motor insurance (OSAGO and KASKO/Mini-KASKO), property insurance for apartments, houses, and mortgages, voluntary health insurance (DMS) for individuals and corporates, plus specialty lines including oncology, critical illness with international treatment, tick-bite protection, sports, accident, and travel insurance. Underlying technology comprises an end-to-end digital platform enabling online policy purchase, management, and claims submission via rgs.ru and iOS/Android apps, integration with the Gosuslugi state identity service, NSIS for e-policy storage, and SBPay for payments; the photo-based online OSAGO damage assessment and 'Digital Claims Resolution' personal account flow won the CX Awards 2025 for technology-enabled customer experience. In April 2026 India's Directorate General of Shipping added Rosgosstrakh to its expanded list of 11 authorized Russian marine insurers, and the company also services RNKB Insurance policyholders under a wholly-owned subsidiary arrangement.

Rosgosstrakh monetizes through annual and short-term recurring premiums across retail and corporate segments. Retail distribution runs through a hybrid model combining the physical branch and agent network with D2C e-commerce and mobile apps, while corporate clients are served via dedicated business insurance divisions. A core B2B channel partnership with Sberbank embeds Rosgosstrakh mortgage property and life/health products at the point of retail mortgage origination, making Sberbank a material distribution counterparty. In June 2026 the United Kingdom sanctioned Rosgosstrakh as part of a package targeting Russia's financial sector and shadow fleet, a development that constrains access to Western reinsurance and correspondent banking but does not affect its operating status in the Russian domestic market.

Name

Rosgosstrakh LLC

Legal name

ПАО СК «Росгосстрах»

Website

https://rgs.ru

Company type

Private

Founded year

1921

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Rosgosstrakh is one of Russia's largest diversified insurers, offering auto, property, health, life, and specialty insurance to 12.9 million retail and corporate clients through 1,300+ offices, a digital platform, and the Sberbank mortgage channel.

Ownership category

akta.pro rank

Product category

Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Finance and Insurance (52), Other Insurance Related Activities (52429)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Large Commercial Package (National Accounts) (FSAJAFAC)

akta.pro secondary industries

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Specialty & Excess/Surplus Lines (E&S) (FSAJAMAH), Retirement Benefits & Social Security/Medicare Planning (FSAEABAI)

Keywords

• Property insurance
• Auto insurance
• Health insurance
• Life insurance
• Mortgage 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

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

Revenue model

1. Property and Casualty Insurance (Имущественное страхование): The largest revenue stream includes mandatory and voluntary insurance covering apartments, houses, mortgages, and property. Key products include apartment insurance (страхование квартиры), OSAGO (mandatory auto liability), and KASKO (voluntary auto physical damage). Premiums are collected annually or for shorter terms, with property policies starting from 1,793 rubles per year and OSAGO averaging 6,000 rubles in 2025.
2. Health and Life Insurance (Медицинское и жизнь): Voluntary health insurance (DMS) for corporate clients and individuals, including oncology insurance, critical illness coverage, tick bite protection, accident insurance, and travel insurance. These products are sold as annual or short-term policies with premiums ranging from 399 rubles (tick bite) to 4,480+ rubles (oncology) per year.
3. Corporate/Institutional Insurance: B2B insurance solutions including DMS programs for employers, OSAGO/OSOPO/OSGOP commercial lines, and large-scale property coverage. Corporate clients represent a significant revenue segment with dedicated account management and bulk policy issuance.
4. Marine Insurance (Страхование морских рисков): International marine insurance coverage for vessels calling at Indian ports, covering hull and cargo liabilities. Rosgosstrakh is among 11 authorized Russian marine insurers approved by India's Directorate General of Shipping. Insurance is provided for ships carrying Russian oil amid Western sanctions disruptions.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Rosgosstrakh is one of Russia's oldest and largest diversified insurance companies, offering comprehensive insurance products including mandatory and voluntary auto (OSAGO, KASKO, Mini-KASKO), property (apartments, homes, mortgages), health and life (oncology, critical illness, DMS, tick bite, sports, travel), and marine insurance. The company serves 12.9 million individual and corporate clients across Russia through a 1,300+ office network, an online platform (rgs.ru), mobile apps, insurance agents, and institutional bank partnerships with Sberbank.

Product overview

Rosgosstrakh LLC operates as a diversified insurance company offering a comprehensive portfolio of insurance products. The core product lines include motor insurance (ОСАГО mandatory and КАСКО voluntary), property insurance (apartment and house insurance), health insurance (DMS, oncology, critical illness, tick bite protection), and specialty insurance (sports, travel, mortgage). The company provides these products through multiple channels including an online platform, mobile applications (including dedicated DMS app), and a nationwide network of offices. The digital ecosystem consists of the personal account (Личный кабинет) for policy management and claims processing, mobile apps for iOS and Android, and integration with government services (Gosuslugi) and payment systems (SBPay). The company is authorized by the Bank of Russia for insurance operations.

Differentiator

Problem solved

Functional benefit

Brands

• РГС ДМС: Mobile application for managing voluntary health insurance (DMS) policies, providing access to clinic selection, medical consultations, and policy services.

Products and services

• OSAGO (Obligatory Motor Liability Insurance / ОСАГО) Mandatory insurance for vehicle owners covering third-party liability in road accidents. Coverage up to 400,000 rubles for property damage and 500,000 rubles for bodily injury. Average premium 6,000 rubles in 2025 with 4.3 million policies sold.
• KASKO (Voluntary Auto Insurance / КАСКО) Voluntary vehicle insurance covering damage, theft, and total loss of insured vehicles. Available for vehicles up to 12 years old. From 17,000 rubles per year. 163,773 contracts sold in 2025.
• Mini-KASKO (Мини-КАСКО) Light auto coverage protecting against damages from third-party drivers without valid OSAGO policies, including hit-and-run and uninsured driver incidents. From 5,500 rubles per year.
• Roadside Assistance (Техпомощь на дороге) Roadside assistance add-on covering towing, fuel delivery, tire replacement, and taxi reimbursement during vehicle breakdowns or accidents. Sold as a standalone add-on product.
• Apartment Insurance (Страхование квартиры) Property insurance for apartments covering risks including flooding, fire, theft, and civil liability to neighbors. Coverage up to 26 million rubles. No property inspection required. 2 million apartments insured with RGS.
• Home Insurance by Subscription (Страхование дома по подписке) Subscription-based home insurance with flexible pricing and customizable protection level. Online issuance in 5 minutes, covering private homes and country properties.
• Mortgage Insurance (Ипотечное страхование) Mortgage insurance distributed through Sberbank covering property (mandatory, 500,000-25,000,000 rubles) and optional life/health coverage that can reduce mortgage interest rates.
• Tick Bite Insurance (Защита от клеща) Health insurance covering tick-borne diseases including encephalitis and Lyme disease with treatment coverage up to 3 million rubles and 100,000 ruble one-time payment. Insures up to 5 persons per policy. From 399 rubles per year.
• Oncology Insurance (Онкострахование) Cancer insurance providing diagnosis, treatment, and financial support for oncology patients. Coverage up to 8 million rubles plus 200,000 ruble one-time payment. Available ages 1-64. From 4,480 rubles per year.
• Critical Illness Insurance (Страхование критических заболеваний) Insurance covering oncology, cardiovascular, and neurosurgical treatments with coverage up to 25 million rubles including rehabilitation worldwide (excluding USA). From 7,390 rubles per year.
• Sports Insurance (Спортивная страховка) Sports insurance covering injuries, disability, and death during sports activities and competitions. Coverage up to 1 million rubles per insured. 300+ sports types including 50 extreme. From 890 rubles per year.
• Voluntary Health Insurance / DMS (ДМС) Voluntary health insurance for corporate clients and individuals providing access to medical services, clinics, telemedicine consultations, and 24/7 medical assistance. Includes dedicated mobile app for clinic finder and online doctor consultations.
• Marine Insurance (Страхование морских рисков) International marine insurance coverage for vessels calling at Indian ports, covering hull and cargo liabilities. Rosgosstrakh is among 11 authorized Russian marine insurers approved by India's Directorate General of Shipping.

Quantifiable outcome

• 19.5 billion ₽ in client payouts in first half of 2024
• +6 more outcomes

Named customers5 records

Segments4 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

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• India Directorate General of ShippingcoreChannel Partner/ Reseller/ Distributor · 21 April 2026India's maritime regulator expanded its list of authorized Russian marine insurers from 8 to 11, adding Rosgosstrakh Insurance among others (Gazprom Insurance, Balance Insurance). This government authorization allows vessels insured by Rosgosstrakh to dock at Indian ports. India's Directorate General of Shipping created the Bharat Maritime Insurance Pool backed by Rs129.8bn ($1.4bn) sovereign guarantee to maintain coverage for Russian oil shipments amid the US-Israel-Iran conflict closing the Strait of Hormuz.
• Sberbank (Сбербанк)coreChannel Partner/ Reseller/ DistributorRosgosstrakh distributes mortgage property and life/health insurance products through Sberbank's retail mortgage origination channel. Sberbank is Russia's largest retail bank with dominant mortgage market share. RGS products are offered to all Sberbank mortgage clients at point of loan origination, making Sberbank a significant channel partner for the company's mortgage insurance business.
• RNKB Insurance (РНКБ Страхование)minorOthersRosgosstrakh handles insurance servicing for RNKB Insurance policyholders. The RNKB Insurance brand's clients are being transitioned to Rosgosstrakh for ongoing policy management and claims support.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Renaissance Insurance (Ренессанс Страхование): Universal Russian insurer offering retail and corporate P&C, life, and health insurance. Direct competitor to Rosgosstrakh in OSAGO/KASKO and voluntary health lines.
• MAKS Insurance (МАКС): Russian multi-line insurer with strong presence in mandatory OSAGO and voluntary medical insurance (DMS). Directly comparable in customer segments (retail auto and corporate health).
• AlfaStrakhovanie (АльфаСтрахование): Part of Alfa Group, AlfaStrakhovanie is a top Russian multi-line insurer offering OSAGO, KASKO, property, health (DMS), and travel insurance. Direct competitor across Rosgosstrakh's retail and corporate product lines.
• VSK Insurance (Военно-страховая компания): Top-10 Russian universal insurer competing in OSAGO, KASKO, property, and corporate lines. Comparable multi-line product portfolio and similar nationwide branch network.
• Gazprom Insurance (Газпром страхование): Among the 11 Russian marine insurers approved by India's Directorate General of Shipping alongside Rosgosstrakh. Also competes in Russian P&C markets including property and corporate insurance.
• RESO-Garantia (РЕСО-Гарантия): Top-3 Russian P&C insurer competing head-to-head with Rosgosstrakh in OSAGO, KASKO, and property insurance across both retail and corporate segments. Closely comparable product mix, distribution model, and customer base.
• Ingosstrakh (Ингосстрах): One of Russia's largest diversified insurers with strong position in OSAGO, KASKO, property, and marine insurance. Comparable in product breadth and is also among the 11 Russian marine insurers authorized by India's Directorate General of Shipping.
• SOGAZ Insurance: Major Russian insurer with strong corporate, energy, and industrial lines, plus growing retail P&C and health. Overlaps with Rosgosstrakh in OSAGO/KASKO, property, DMS, and is also part of the Indian-authorized Russian marine insurer pool.
• Sberbank Insurance (СберСтрахование): Captive insurance arm of Sberbank and one of the largest Russian P&C and life insurers. Directly competes with Rosgosstrakh across retail OSAGO/KASKO, mortgage property, and life/health lines, and shares the Sberbank mortgage distribution channel.

Emerging players

• Tinkoff Insurance (T-Банк Страхование): Digital-native insurance arm of Tinkoff/T-Bank. Focuses on online-distributed retail P&C, travel, and life insurance with no legacy branch network. Represents the structural digital-first competitive threat to Rosgosstrakh's mass-market share.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/rgs_ru
• Facebookfacebook.com/rgs.ru
• LinkedInlinkedin.com/company/rosgosstrakh

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about Rosgosstrakh LLC