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WELBI is one of Russia’s leading providers of insurance and pension services to individuals, corporations and banks. It is the third-largest personal accident and sickness insurer in Russia and the foremost provider of employer-sponsored benefit plans with 600 group contracts in force and a membership of approximately 150,000 enrolled in its group protection and savings plans.

WELBI has roots dating back to 2005 when it was established by Aviva plc, one of the largest insurance groups in the world. In February 2013, Aviva sold this business to NPF Blagosostoyanie, the second-largest Russian non-state pension fund, which provides voluntary corporate pension schemes and mandatory pension insurance. Blagosostoyanie means “well-being”, so the name was shortened to “WELBI”.

WELBI has an A++ rating from Expert RA, the largest rating agency in Russia and CIS; and an AAA rating from the National Rating Agency, which has assigned ratings to over 750 of the leading companies in Russia.

WELBI has been an IGP Network Partner since 2007.

Key Products


  • Life
  • Accidental Death and/or Disability
  • Critical Illness (standalone cover or as a rider to a life policy)


  • Retirement Pensions (via either Aviva Insurance Company or Aviva Non-State Pension Fund)


  • Temporary Accident and Sickness Disability
  • Hospitalization due to Accidents or Sickness
  • Surgical Operation due to Accidents or Sickness
  • Permanent Total or Partial Disability
WELBI is located on the internet at: www.skblago.ru.