From salary to additional payment: co-financing is being prepared for buyers of NHS policies

Purchasers of funded life insurance policies will be able to receive co-financing from their employer. The authorities are discussing tax incentives for companies that will invest money in employee housing, the Finance Ministry told Izvestia. We are talking about family investments, for example, if people take out a policy for children. Employers need this so that companies can attract employees in conditions of staff shortages. At the same time, organizations will be able to save on income tax, which has been raised to 25% this year. And the authorities are trying to attract "long" money into the economy in this way. What other ideas are being discussed on the market to popularize the NWF? In the Izvestia article.

How can co-financing work for NWF buyers?

In Russia, they want to make long-term savings more profitable. Benefits for employers are currently being discussed when co-financing the NHS of employees as part of family investments, the press service of the Ministry of Finance told Izvestia. The point is that if an employee invests money in the NWF, the company adds an amount there from its side (similar or in some proportion).

Vladimir Putin instructed to work out the launch of the family savings program back in December 2024. At that time, he named only one benefit under such a program: an increased tax deduction, up to at least 1 million rubles per year. Then the head of state asked the government and the Central Bank to determine the parameters of this family support mechanism.

— The authorities are currently discussing various options for the product of so-called family investments. Different configurations and additional benefits are being worked out. For example, benefits for companies on income taxes and social contributions are being discussed. In other words, organizations can introduce such relief if they co-finance their employees' NHS policies. For example, if a policy is opened for a child," Gleb Yakovlev, vice president of the All—Russian Union of Insurers (VSS) for life insurance, explained to Izvestia.

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Why did they decide to resume work on attracting "long money" right now, and what does the deposit freeze have to do with it?

Companies are already including various insurance products in their social package. For example, there are various corporate VMI programs, Gleb Yakovlev recalled. Some employers provide accident insurance, while others provide retirement programs. Companies can also invest in a family insurance policy for employees.

He added: in order for the organization to have an incentive for co-financing, it is necessary to align and adapt the benefits of income tax and social contributions.

The relaxation can work as follows: contributions made by employers under employee pension insurance policies can be deducted from the income tax base. Earlier, a similar incentive was discussed to support the long-term savings program, recalled Vladimir Chernov, analyst at Freedom Finance Global. This is especially true in a situation where the rate of this fee has been increased from 20% to 25% since 2025. By the way, businesses were promised a wide range of deductions, for example, for investments.

At the same time, it should be beneficial for the state to stimulate long-term investments of citizens. The fact is that insurance companies invest customer funds in the economy through stocks and long—term bonds, and it is now more profitable for companies to raise money through the stock market than to take out loans at high rates.

Izvestia asked the Central Bank if they support the initiative to introduce benefits for employers when co-financing employee health insurance policies.

How will the family investment tool work?

The range of family investment instruments announced by the president will be based on existing mechanisms — individual investment accounts (IIS), the long-term savings program (LDS) and life insurance, the Finance Ministry said earlier. Currently, a single tax deduction is provided for them from investments of up to 400 thousand rubles.

The key issue regarding benefits is this: if the minimum term of the contract for products is different, then the set of benefits should be different, said Boris Borzunov, Director of Savings Products at Rosgosstrakh Life. For example, the following time periods were discussed: five years for AIS, 10 years for NCW, and 15 years for PDS. A family tax benefit of 1 million rubles will apply to all products (although various options are still being discussed).

With regard to longer-term products (NSF and PDS), the insurance community has proposed to introduce additional incentives for co-financing from the employer, Boris Borzunov said. According to him, this should attract additional capital. Such a measure will give a new impetus to the formation of long-term savings of the population, says Vladimir Chernov from Freedom Finance Global.

— If there is a real and understandable tax benefit, companies, especially large and medium-sized ones, will be interested in using this scheme. In conditions of a shortage of qualified personnel, the co—financing of housing and communal services can become an additional element of the social package, increasing the attractiveness of the employer for employees," said Vladimir Chernov.

As a result, government benefits will encourage employers to support the financial well-being of their employees, Maxim Kolyadov, Head of Work with Individuals at Insurance Broker AMsec24, concluded.

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However, there are disadvantages — the introduction of such benefits will reduce tax revenues to the treasury. Significant administrative resources may also be required to implement and control them, the expert warned. In addition, not all companies will be able to offer such an incentive, which will lead to uneven life insurance conditions for Russians.

What other benefits can be introduced for family investment programs

In addition to benefits for companies on the market, there were also proposals to introduce co-financing of accumulative life insurance from the state (by analogy with how it currently works for PDS), SOGAZ-Life reported. Moreover, we are talking here only about policies for children, Renaissance Life clarified. However, this initiative has not yet been approved, Boris Borzunov from Rosgosstrakh Life added.

Currently, co-financing is provided only for the long-term savings program, but if family investment products are developed on the basis of the National housing and Communal Services, then it is logical to extend this measure to them, said Ruslan Westerovsky, Senior Vice President and head of the Wealth Management unit at Sberbank. NSF not only allows you to save up for long-term goals, but also provides the client with insurance protection in case of unforeseen circumstances, said Tatiana Landa, CEO of the insurance company "Consent-Vita".

The described benefits will significantly increase the demand for the design of such products, says Andrey Martianov, CEO of MAKS-Life IC.

In general, the co-financing of long-term housing insurance policies can significantly increase the availability of financial instruments for citizens, Maxim Kolyadov from Insurance Broker AMsec24 emphasized. This is especially true in an insufficiently stable economic situation, when it is important for people to have guarantees for the future.