Buy an insurance policy against an unfortunate event. Insurance against unfortunate weather and sickness Insurance of people against bad weather

We know that the unfortunate mood (NS) of the building raptovo is responsible for the health of the people. Tse start youma pratsyuvati i allow income. Insurance in the event of unfortunate events allows you to compensate for those financial losses, with which a person can be stuck.

1. What is such an unfortunate drop

And let's clearly delineate those in front of us, in view of which we can be proud. Insurance companies often describe an unfortunate experience like this:

Unfortunate drop- it’s a short, rapt, hateful call of the day, which became the will of the insured one or the other vigodonabuvach, and not a legacy of illness, as if it caused bodily ushkodzhennya or death.

As soon as the appointment follows, there is no ailment with an unfortunate fluke. NR - it’s even a swidkoplenna zovn_shnya podiya, like a person could not talk, and like a shoddy її healthy, or brought to death.

The classic butt of an unfortunate vapadka is the same moment in the film “Diamond’s Hand”, if Semyon Semenich falls on the sidewalk, leaning on the kavunov’s kirtz. We didn’t want anything, everything became rapt, and even more quickly:

A second before the rapt fall

The result - a fracture of the arm, non-practice for a sprat of tizhniv and intracheny for the whole hour of income. We can turn our own income into our family for additional insurance in case of unfortunate weather.

2. What is HP insurance

The policy of insurance in the event of an unfortunate event - ce agreed with the insurance company, for which the person will pay the premium, and the insurance company of the goiter will pay a large premium at the time of insurance claims assigned to the policy.

And then post food - is a similar policy needed for people?

The policy of insurance in the event of unfortunate exclamations of exclamations to protect the people of that її close species of raptov, and sometimes even great battles. Aje trauma to make people pracsyuvati, and therefore, for a deaky hour, to allow її income.

And if an injury is more important, then a person can take away his disability and spend the opportunity to earn a penny until the end of his days. Nareshti, possible and fatal podії - if after an unfortunate depression a person is going to live.

As a result, through podії, yakі we can not control - with this, I can know even great battles. Here and come to our rescue policy of insurance against unfortunate weather, protecting our family from such hits.

As a result of an unfortunate incident, a person takes away an injury, it is good for an insurance company to pay a large premium to a person under an insurance contract. This fee compensates people for the cost of their income and gives money for the restoration of health. In this way, insurance against unfortunate events will ensure the financial security of this.

3. See policies

Insurance policies in the event of an unfortunate event can be divided into two groups: classical and extended insurance. What's the difference?

For a classic insurance in an unfortunate depression, the cause of a bad life and a healthy life is an unfortunate depression - and less wine. Just as we talk about expanding insurance against unfortunate falls, then in such policies a person is protected from unfortunate falls and fatal illnesses.

Under any circumstances, insurance companies often face the risk of “death by be-like causes" obov'yazkovym in quiet cities, like building protection from deadly sickness. And the shards of death, if any, are the cause of richly imovirnisha for death in the aftermath of HP - then it’s already worth remembering to stand a contract with an expanded zahist.

The main types of insurance policies against unfortunate events are presented in the table:

And now let's take a look at specific policies, so you can win for defending your financial interests in the face of an unfortunate weather.

3.1 "Box" insurance policy against unfortunate events

What is a boxed product? Tse product / service, which can be victorious once, “out of the box”. In real life, similar policies appear like this.

The insurance agent takes the form of the policy, enters the special information of the client, ticks off the required insurance amount from the number of options specified in advance. Vibraniya rіven іn insurance zahistu i vyznaє vartіst podіbії polіsu.

What is important to understand here?

With the introduction of such a policy, a potential client does not go through the procedure of assigning risk, a powerful life to the very person of a particular person. My professional insurer's similar analysis is called "underwriting".

Before the issuance of such a policy, the insurance company does not give the prospective client food about his profession, becoming healthy, and the manifestation of unsafe hobbies. For this contract, for all potential clients, a single tariff for insurance was transferred.

However, it was understood that the severity of injury in a mature person of 69 years is significantly higher than in a young 30-year-old person in the development of strength. To that, the reaction of a summer person is not the same, the brushes are tending, the eyes can be worse. One of the reasons for the life of people of a frail age is the absence of an unfortunate state of affairs, lower in young people.

But in the "box" policy, the tariff for insurance for young and mature people will be the same. For what?

It is obvious that in such contracts the insurer pays the tariff for insurance so that it does not cost too much when insuring any category of clients. As a result, such a policy has high insurance against unfortunate weather conditions.

І її it is not possible to work lower, but in this case, a detailed analysis of a potential client is not carried out before issuing an insurance policy in case of an unfortunate turn of events. And that means that it is impossible to accurately cover the cost of insurance for the improvement of risks, connected with the life of a particular person.

For example, such a policy can be issued at a fast pace, and at a reasonable high price - a fee for security and security at the stage of entering into a contract.

The butt of the "boxed" product can have a policy of insurance against unfortunate events "". This policy is given to the client less than 12 insurance options:

For issuance of the policy, it is necessary to put a tick, indicating the choice of insurance option. For example, a package of risks: death, disability and morbidity in the case of an accident with a claim of 1.500.000 rubles for such a policy, the cost is 18.160 rubles per river.

Then the client signs the policy and pays the insurance premium. The policy starts working in three days after paying the deposit.

Polis "Variant" dіє rіk, i yakshcho for tsey hour іz people trapleyâєєєєєєєєєєє vypadok - bude bude paid pіdpovіdno to the contract. If life is all right, then the agreement is signed by your deed. I want to renew the theft - people need to issue a new policy "Option" and pay the next deposit.

To give respect, it is important: this policy of the building is protected from death, disability and bodily ears. only once qі podії became as a result bad luck.

For example, if a person with such a policy goes through life after a heart attack - you don’t need to pay the insurance company, the shards of sickness can’t be an unfortunate fall.

The main powers of the policy are presented in the tables:

3.2 HP insurance policy with risk analysis

Let's look at the functional policy. When such a contract is signed, the insurance company puts people on a low diet, which allows them to assess the risk of insuring a new client. Tse nutrition about the life of a person, the state of health, the kind of professional footwear, yoga hobbies.

Insurance coverage for the policy, the insurance company indemnifies the possible client. If the risks of insurance are assessed before the issuance of the policy, then as a result, the insurer can ask his client to be financially wise in proportion to the “boxed” product.

The butt of the policy with an assessment of the risk can be the policy "". Tsej agreement tezh vіdkrivaєtsya by the term lishe rіk.

Tse already means a flexible product, lower "Variant". While “Variant” has only a small amount of insurance coverage, “Rizik-control” can collect enough insurance coverage.

Further, at the policy of insurance against unfortunate events, the "Option" for the client of goiter should include three risks: death, disability, and injuries according to HP. However, the program "Rizik Control" has an obov'azkovym element - only "death for HP". І already for the security of your policy, the client can add a defense against disability according to HP, and injuries according to HP.

Estimation of risk and freedom of choice of options positively signifies on the price of insurance. For example, if you turn off an expensive policy, but not a fatal risk of injury, we can secure a person with a high insurance coverage for critical risks: death and disability according to HP.

For example, with a budget of 18.240 rubles for rivers, we can protect a person from death and disability in HP for the amount of 5.700.000 rubles. Tse already 3.8 times more, lower in the policy "Variant" from the same budget, which we have seen more.

It is possible to take over the project with an insurance policy in the event of an unfortunate event "Risk-control".

3.3 Extended insurance under HP

Expanded insurance in the form of HP transfers insurance in the form of podia, which have become the result of an unfortunate depression, as well as fatally unsafe illnesses.

In these contracts, insurance companies often flaunt the obligatory risk of "death by be-like reason”, which suggests the variety of similar policies. The butt of such an agreement can be a policy "".

The binding element of the policy is the risk of death for whatever reason. Dodatkovo a person can add to the policy of zahist in case of death and disability from an unfortunate fall, as well as zahist in case of fatal illnesses.

Just as people make a diagnosis of a fatal illness, the same people take a premium for the policy. The life sense is even simpler - such types of behavior require a large amount of money to pay for the necessary therapy and operation. I ymovirno - to help overcome the disease in the bud and save the health of a close person.

Also, for the sake of a person, a person can add to his policy of risk of injury after an unfortunate fall and hospitalization after HP. In fact, the policy of the designer, de people to the main risk add dodatkovі for his choice, forming the optimal contract.

The policy “Abetka Zakhistu” can be declared by the term from 1 year to 30 years. If the polis is charged for a few years, then after the first deposit, the entire term of the policy will be permanent - regardless of those who become older people, and the risk of entry into their life is growing. To those who have done the policy, then there will be a richer deposit with an unchanging equal defense.

The main powers of the contract are presented in the tables:

3.3 Equation of insurance options

Later, we looked at the box insurance policy for HP, the insurance policy for HP with an analysis of risk, as well as extensions of the insurance policy for HP and fatally unsafe illnesses.

More practical will be the option of the policy, the price of the contract is to lie down in the future, I will become healthy, the profession of a person. Before issuing such a policy, a goiter consultant will provide you with such a request.

The insurance policy of HP is terminated with an analysis of the risk, or the policy of HP is extended. Another option is to protect against death for any reason, and for bazhannyam - from fatally unsafe illnesses.

Which one to choose?

Reveal that you were setting up the booths, and surrounded Yogo with a parkan on more than three sides:

What will give your donkey security? Less frequently. To ensure complete security, it is necessary to close the entire perimeter.

Let's turn to the point, which we try to reach for additional insurance in case of an unfortunate fall. We understand that HP can make a waste of practice, and then - allow a person to build a place of work, and help її income.

Vtrata tsgogo income vdarit at the financial camp sіm'ї. І zavdannya polisu - turn your back to yours, which may have been spent in the wake of an unfortunate fall.

But think about it - death, as the maximum shkoda of practicality of a working member of the family, is at once the greatest financial shkoda of this family. Why is it necessary to protect the anniversary of death? Absolutely - yes.

The problem is that death comes not only through an unfortunate fall. You can be like a heart attack, for example. Ale financial interests sіm'ї out for such a majestic shkodi, scho th death in SR.

And as we pragnemo completely protect our family in the face of financial problems, then at the warehouse policy we need to protect our family and in the face of death for whatever cause. Tse means that financial security will be given to relatives with less extensions of the policy of NR.

Get a PDF overview of available life insurance solutions.
to get a literate choice:

I, it was given b - a choice of wisdom, and the article is close to completion. Prote is overwhelmed with the key to nutrition - it is necessary to produce on the yak until the visnovki are unsatisfactory.

4. What kind of rіven zahistu you need

Be sure to put your parkan on the windshield of the pivmeter headlessly. It is easy to step over such parkan, so you can protect it from enemies.

As we are talking about the financial protection of the sim'ї, then її riven may be an adequate threat. In a critical depression, at the death of a birthday, it is my mother’s responsibility to have enough pennies, to survive, and reach her most important life goals.

As it turns out from such a setting of the task, it is easy to calculate the sum of the necessary protection for you after death:

The amount of credits that is lost,
Annuity for the security of sіm'ї on the trival term,
Fundy for the better education of children

For an express assessment of the amount of life insurance required by a person, you can win an amount that equals 10 її river income. In other words, you can approximately estimate that the life insurance of a year old for the sum of 120 years of salary will provide you with the necessary level of financial security.

If a person earns 2,000 USD per month for 35 years, he will need to defend against death, for whatever reason in the world:

10 * 12 * 2000 = 240.000 USD

Dekilka words about the term policy. If a person has small children, then the yearling needs a young child up to 25 years old. Imovirno, until the age of a child it is possible to live independently.

If so, the necessary term for insurance is ten years, then it is reasonable to win. Koshtuvatime vono trohi more expensive for the terms of insurance - but with whom it is guaranteed to create a recession, equal to the sum of the insurance cover.

However, the rest of the Russian companies do not promote pre-insurance - in this article, insurance is analyzed for the term.

“Abetka Zahistu” policy for 25 years, with a cover of 240,000 USD - for a 35-year-old person, you will have to pay 3,697.49 USD per river, you can make a project. It will be more expensive for our client, even if the contribution becomes more than 15% of the river income.

What is work? If you reduce the deposit to a feasible person of 500 USD per river, then it’s equal to the cost of falling into a rage. I will become so little insurance that I will not be stolen from myself. This is the "fence" of the wind meter.

And as our 35th person vikoristovuvatime Unilife, then for the policy of defending 240.000 USD in case of death from any cause for 25 years, we will pay 488.40 USD per river. It is possible to zavantazhiti the project to the contract. This contract will be renewed to secure the financial security of this.

However, here is an important fact. The term is that Unilife insurance, protecting a person in the event of death for any reason - does not insure against an unfortunate fall. In other words, in case of injuries and hospitalizations due to HP, the entire policy of payments is not transferred.

Why go out: it’s not enough to write an article about insurance against unfortunate trips to bring the reader a note about the dossile of the insurance policy of life insurance, in which case no insurance type SR?

5. Transferring that morning riziku

Let me briefly describe the logic of the mirkuvan tsієї statti. An unfortunate waste of money to spend until you spend your income, shards allow people to work and earn pennies.

The maximum financial Skoda is the manager of the death of a year-old. To that, svoryuyuchi zakhist, it is necessary for me to save the most visible risk in the first black. Unfortunately, death trapleyaetsya not only in the form of unfortunate fluctuations, but through the ailment. I in order to protect this world with the whole world - it is necessary to protect this person in the face of the death of the anniversary be-like cause.

However, the Russian policies for defending the anniversary of death, for any reason, cannot be beaten. To that, through high tariffs, the contribution for the cost of money to the cost of protection becomes unbearable for this.

Tse means that the only possibility to secure the necessary financial security is to win the insurance for the year-old man.

Prote zakordonnі contracts do not protect against bodily ears, hospitalization and disability from an unfortunate fall and ailment. Why? For foreign companies that do not have offices in Russia, it is easy to administrate insurance and pay for these risks.

It’s much easier for me to get excited about the death of an insured person. Therefore, death can be insured with overseas companies, but other traces of an unfortunate fall - not.

And then the Russian himself is faced with a choice:

otherwise, to defend yourself in the face of death for any reason at a high sum in a foreign company,
vіdkriti rosіyskiy polis, yaky to defend against death for whatever reason, and against fatal ailments, and after an unfortunate fall: trauma, disability, hospitalization due to HP.

It's a pity - another option is similar to the life of parkan curly hair. To that in the Russian policy for an affordable person to pay - the cost of insurance coverage will be small.

For example, in order to protect our smart client for 35 years with the “Abetka Zakhistu” policy with a large deposit of 500 USD for all the required risks for 25 years, then the payment upon death for any reason becomes 21,000 USD. Usyogo! You can take over the project.

Less than 10% of the necessary zahistu. Obviously, such a policy absolutely does not provide financial security for both death and disability. Food: what do you need?

With this, having opened the foreign policy from the budget itself, the person is completely defending his family to the point of his death. Tse zavdannya vіn vіrishit povnistyu, with an affordable budget.

The insured vicarists have terms of transference and imitation risk. Transferring risk means transferring risk to an insurance company. The company takes the risk on itself and pays the insurance premium for the same person.

Loss of risk in oneself is the situation, if a person is wise, that the result of uncontrolled podia can spend financially. However, Vіn is aware that you are taking this risk on yourself, not transferring it to the insurance company.

What is a reasonable strategy for dealing with risks?

The most serious risks, such as death, are obligatory to transfer to an insurance company. Less severe risks, for example, an injury in the aftermath of HP - you can completely deprive yourself of it. For whom you can vikoristati "self-insurance".

"Self-insurance" - the creation of a vlazhny cover of quiet possible beats, as if they would be great. For example, mayuchi necessary costs - with this I can pay the cost of injury, or hospitalization.

And the risks that you can get yourself into on your own: trauma, hospitalization, timchasov neprotsezdatnist whole can be spent on yourself, having created the necessary penny fund.

From the point of view of life, it’s easier for us to get rid of non-fatal risks on ourselves. It will not be necessary to pay for insurance, spend an hour on the selection of documents and pay for it, as it will still be possible. We can pay as much as we can for the government's salary.

And it means that there are many problems in the fact that foreign insurance companies, trying to defend against death for any reason, do not protect Russians from unfortunate events.

Prote crim death - in the midst of fatal risks, even more deadly illness and disability. What are they doing with them?

For zahistu in the case of fatally unsafe ailments, you can win - it’s out of rich Russian companies. It is a pity that in the current Russian realities there is no absolute protection against this risk.

You can apply for disability only from an unfortunate fall. And then, with a reasonable budget, you will have to pay a high price for the defense.

However, disability can also come through illness. There is no solution for the zahistu vіd rizik. Foreign companies do not insure the risk of disability of Russians. For this reason, we are more often protected from this risk, otherwise, all of it is taken on our own.

Tim himself, the strategy of defending against fatal risks is as follows:

І for completion

This article is written about insurance against unfortunate falls - and the very idea of such a zahistu looks garno. Prote, more zanuryuyuchis at the topic, we understand that the first-time leaders of this world are defenders of the anniversary in the face of death for any reason, and we’ll only sweat in the face of unfortunate moods.

In addition, with thoughtful reflection, it appears that it is not necessary to insure more unfortunate fluctuations. For example, the expansion of possible expenses will be small - with it, you can win self-insurance as a whole. Having created the necessary penny fund to cover possible losses, she will calmly make a risk on herself.

At the same time, there are a number of fatal risks that must be transferred to insurance companies. Cerizik death, disability and critical illness.

Unfortunately, there is no acceptable solution for the defense against disability. In the face of this risk, you can get away with it more often, or you can deprive yourself of yoga on your own. For protection against critical illnesses and solutions for Best Doctors.

If there are any reasons for the risk of exiting life, then the best protection against risk would be life insurance in out-of-band companies.

Volodymyr Avdenin,
financial consultant

In Russia, the life insurance market is actively developing. Even though it is more fateful that it was possible to insure the power of goodwill in a few companies, then now such insurance has irrevocably gone down to our lives.

A person is insured - indebtedly in the form of programs - you can not worry about the well-being of your relatives in a timely situation.

How about insuring yourself in case of an unfortunate bad weather? After reading our material, you will know about the main powers of the two lucid states.

It’s a pity, the situation, which can lead to unfortunate depressions in everyday life, really rich. For this reason, this type of insurance is becoming popular.

It’s shading the stained-glass windows at the tragic escalation of the situation, as if it caused the waste of prudence, or to bring the death of the ruler to the police.

The main legal source of such insurance is the Federal Law “On insurance before”.

What are you saying?

Road trips, accidents on robots and other unfortunate accidents. It is important to remember that the policy does not expand on the situation, the person responsible for them is insured (as a rule, I know the OSACV’s authorities - compensation for accidents is at fault, I’ve suffered myself, I don’t cry), but for suicide.

What can a person be insured for?

The amount of money to be paid is settled at the stage of laying down the contract, you can be at the borders, with some practices that chi іnsha company.

At the time of spending the cost, the insurance should be secured:

pennies for jubilation;
the cost of life, as there is no opportunity to go out and practice.

As if the result of an unfortunate depression was death, compensation was won by relatives, appointed in the policy.

For this very reason, families' birthdays are often insured, the payment of the insurance will become indispensable in times of extreme situations.

Peculiarities of health insurance

Ailment is another risk, which can lead to waste of practice, disability and inflict death. Insurance companies should proponuyut insured for the current weather chi іnshої (or more often) ailment.

Oskіlki in the Russian Federation have obov'yazkove medical insurance, the main medical insurance cover itself.

The most important thing of all is the elimination of one-time or regular payments, which cover the daily wages.

It is noteworthy that after the current insurance situation, the insurer will need to undergo a medical examination of the insured person - you will become a confirmation of the obviousness of that other illness.

Vtіm, don’t forget that if you see a doctor and reach a contract, then the insurer can change, that a hulking man / a hulking woman can’t get sick, or the first stages of a sickness.

What kind of illnesses can be insured?

None of the insurance companies proponuyut policies, as it seems, for any relish. The list of illnesses that insured against, grows with skin cancer and is regularly looked at. Naturally, an unwell person can be serious and carry potentially significant consequences.

We’ll put in a butt: it’s impossible to insure against a cold (it’s not possible to insure against a cold, it’s real to give medicines on a robot), but in case of pneumonia, it’s real.

In our day, the main and most requested health policies look like this:

stroke;
heart attack and other diseases of the heart;
current blindness;
infected with HIV and SNID;
vindication of nir's insufficiency;
disease of the aorta;
vindication of the need for organ transplantation;
pink sclerosis;
paralysis;
lіkuvannya coronary arteries;
heart valve problems.

Insurance pay

With insurance premiums in case of current illness, not everything is clear;

Among them, the payment of all the sums, the payment of insurance in parts, the payment of recognized additional help or additional wine (only for the period, if the person was recognized as unprofitable), as well as the payment of supplementary pensions on time or permanent basis on the basis of health care zustrіchaєtsya rather seldom).

Let's hope that the amount of that periodicity of payments is charged without delay at the hour of laying down the contract. The insurance premium to be deposited depends on the fact that the person is insured on how to pay for a disease.

When they don't cry?

As soon as the insurance vipadok has set in, then the insurer of the goiter is vykonati to clear the contract, is it not so? Prote buvayut situation, if you need to pay for the company znіmaєtsya. Substituting for such a decision, there may be damage to the house.

Let's put a spear of applications:

The illness of the insured individual has come after breaking the law.
The insured guise independently took care of their own money.
The insured guise of navmisne destroyed the vim of the doctor.
Illness/injury has come at the camp of alcohol or drug addiction.

Who can withdraw the policy?

On the one hand, the insurance contract is arranged by the company that provides such services, and on the other hand, it is a physical legal person.

Most of the time, outside the polis, there are hulks, protees are not rare in times of large-scale households like all practitioners of the singing enterprise. Abo, for example, football teams, learning too much.

The law does not impose specific limits on the insurance of any individual, as a rule, the insurance policy must be paid. In addition, legal practice allows insurance companies to entrust such people to the insurance company, so that the policy is recognized by the insurance company.

Programs

You failed to issue a policy, and happened to choose one of the insurance programs.

It is significant that the applicant for the policy can insure himself, people close to him, choose the category of professional ailments, or (relevant for creditors) take out insurance on his applicants, so that you don’t run out of money, so you can’t repay a loan through

Insurance of workers

There is one more special program that you carry with you and for robots. The insurance practitioner will take away all necessary compensation, as if the very undertaking is recognized as guilty of a guilty illness.

Retirement Insurance

There is one more irreproachable plus - in case of current illness, obligations should not be worn by relatives.

Similarities and vіdmіnnostі

We spoke about the main features of the skin type of insurance in the Russian Federation and determined that in some situations the policy may be corrected.

Proponuemo as a kind of summary of the table, de designating the main insurance coverage for unfortunate weather conditions and insurance for current illnesses. Be healthy!

Option	Insurance against sickness	Insurance against unfortunate events
Subject of insurance	documented doctor of pathology	Unfortunate accident do not blame the insured person
Insurance drop	Diagnostics yak vyyavila ill	Hospitalization after an unfortunate fall
Viplati	Cover the day of practice	Cover the daily wages or the annual cost
Exchange for the applicant	A medical review is carried out, which is the first stage of illness, the policy is not issued.	There is no limit, but the applicants, who work on insurance robots, pay more for insurance.

In contact with

The product line includes classic products with individual minds and boxed products with fixed sums of insurance and premiums, which allow you to pass the hour on the execution of the contract.

Programs of voluntary insurance in the event of an unfortunate event include all the main risks that have occurred in the aftermath of HP: death, disability, morbidity (injury). There are also additional risks: surgical intervention, hospitalization, temporal damage to health after infection.

Classic - "Standard" and "Optima":

Physical disability insurance for 1 to 70 years as of the date of completion of the insurance contract.
The territory of the insurance of the Russian Federation or the whole world on a vibir.
You can insure in the term from 1 month to 1 year.
The program "Optima" includes additional insurance risks in the aftermath of HP: Surgical care, Hospitalization, Time damage to health after infection.

Boxed product "Express-Zahist":

Shvidke is the best individual insurance, which includes all the main risks of specialty, the profession of which can be brought up to a low risk. At the insurance cover, you can turn on sports activities on an amateur level.
Physical individuals from 18 to 65 years on the date of completion of the insurance contract are accepted for insurance.
Lines of insurance - 1 rec.

Boxed products for all motherland "Sim'ya" and "Shkilna time":

An insurance system to protect all members of the family.
The “Sim'ya” policy allows you to insure close relatives up to 6 times per year from 3 to 70 years on the date of completion of the insurance contract.
The “School Time” program allows you to insure children for 24 years at work, including school visits and sports. Children from 3 to 18 years of age are accepted for insurance on the date of completion of the insurance contract.
Territory of insurance - the whole world.
Lines of insurance - 1 rec.

Boxed product "Green Light+":

For the quiet, who often makes trips to a special car, and wants to save himself that member of this family for the experience of unfortunate experiences in the aftermath of an accident.
Physical individuals are accepted for insurance, from 3 to 64 years on the date of the insurance contract.
The maximum number of insurance cases in one policy is 3 individuals. Territory of insurance - the whole world.
Lines of insurance - 1 rec.

Boxed products for athletes "Multi-sportsman" and "Multi-sportsman +":

These boxes of products are insured for people who are engaged in professional sports and take the fate of magicians.
Physical individuals from 3 to 70 years old on the date of completion of the insurance contract are accepted for insurance.
Polis dіє bіlya RF i kraїnah SND.
For the "Multi-sportsman" program, the term of insurance is 1 month.
For the program "Multi-sportsman +" insurance term 1 r_k.

Special boxed product "Extreme" for people who are engaged in extreme sports:

The policy "Extreme" allows you to include insurance for extreme sports.
Physical individuals can be insured for 14 to 70 years on the date of completion of the insurance contract.
Polis "Ekstrim" covers the whole world with a stretch of 1 year.

If you need to issue a policy of voluntary insurance in the event of an unfortunate event, then call for a rich-line phone 8 800 755-00-01 and take a qualified consultation of a specialist. We will help you choose the best insurance program for you.

The main method of such insurance is to help with financial hardships associated with private or new expenses to work. Companies that are engaged in this type of activity give material support to the client himself, and also to the closest relatives if necessary.

Dear reader! Our articles describe the typical ways of dealing with legal matters, but the cases may have a unique character.

How do you want to know how to solve your problem yourself - go to the form of an online consultant right-handed or call.

Tse shvidko that bezkoshtovno!

R_novidi insurance against illness and unfortunate conditions

Insurance is available in two forms:

Z special initiatives.
At the boundaries of group volition.

At first glance, the Insurer insures himself or another person with his own initiative, paying all contributions independently. And in another place, the organization is crying and insuring its practitioners. Diya contract can do the same thing, and can be separated by a schedule of work.

Up to this kind of vіdnosin vdayutsya companies, scho carry the total social viability or organization with the risk of injury that is not safe. The group nature of the insurance ensures the laborious support of the practitioners in case of an ailment of an unfortunate turn of events, and allows the admission to reduce the cost of wages.

It should be noted that collective tariffs are significantly lower due to their special nature.

Insurance fluctuations

Perelik:

Otrimannya shkodi healthy after an unfortunate loss - dislocations of suglobivs, fractures of the bones and the cystic apparatus, wounded wounds, opiki thinly.
Destroyed by chemical speeches and roslins (do not include bacteria salmonellosis, dysentery and other types of poisons of a toxic nature).
Tick-borne encephalitis or poliomyelitis infection.
Vagity posture of uterine character and pathological character, which led to the loss of reproduction in women.
The fatal result is in the form of overexposure more than insured depressions, and also in the form of suffocation in the connection with the entry of a third-party body into the respiratory system, over-the-world cooling or through the current anaphylactic type of shock.

It can be argued that insurance companies have secured themselves as much as possible in the form of shakhraiv, but all the same, individuals are left alone, as if they were peacefully responsible for their own injuries or if they are bad, in order to take the payment.

In order to bring such people to clean water, if necessary, the organization may have the right to carry out a thorough investigation of the situation, after which a verdict on the payment of insurance is due. The sum is not taken away and tі, who at the moment of the insured mood will be like some type of sp'yanіnnya.

For whom is insurance of this type obov'yazkovim?

Insurance for unfortunate cases 2 types:

Obov'yazykovy type.
Dobrovіlnogo.

Who is applying for language insurance:

Viysk;
spіvrobіtniki law enforcement agencies and courts;
practitioners of the MHC are also rich in categories with a rise in risk;

In the event of a current insurance situation, payments can be one-time or monthly, as an additional help through a temporary non-sales service, or for additional payment of expenses that are recognized for the rehabilitation of the insured.

Costs are paid from the Social Insurance Fund of the Russian Federation, and the tariffication is to be classified as an injured, regional tax and is established by legislative acts of the Russian Federation. Viplati provaditsya zv'yazku zі vtratoj zdatnosti to pratsi timchasovogo chi povnogo character, as well as through the death of the victim.

Insurance of a voluntary type can be carried out on the basis of an independent choice of an insurance company, the amount of insurance, the terms of the contract and the transfer of risks, which the client wants to issue. The laying down of the contract will be carried out on the basis of the application, and not necessarily before the legislator's will.

Insurance period and tariff scale

Terms:

Health insurance.
For the period of a working day, that hour spent on a transfer from home to work back.
Only for the labor year.
For a singing interval of an hour (for example, for an hour of training).

The insurance contract can fit for a period from one day to a few years. With individual insurance, the most popular term is 1 рік. The practice of laying down this kind of vіdnosin by stretching a mustache life is still insufficiently explored.

Lines, from which insurance starts mother strength, is indicated in the document, as a tradition, on the next day after paying the contribution - the amount of insurance becomes 0.12 to 10% of the amount of insurance.

Vіdsotok to fall in vіd lіku rizikіv. Possibility to include in the list of support for 24 years, be it the planet Earth, be a person at home, on a trip or in training.

In the case of insured events, if the insured event occurs at the same time for two categories, payments are made according to the skin okremo in full obsya.

The first option of issuing the policy, but also the other, less important - the wine is issued for a specific period and is most often initiated by companies, so that they can increase their financial capacity to a minimum. Come in, scho vydbulisya pose for an hour, or pose by the zone of coverage of insurance, do not spend for paying.

Tariff schedule

The amount of insurance is the main subject of the contract. Її the insurer can designate your own individually, fallow in terms of money and costs.

The tariff is set by the organization and deposited according to the transfer of included risks - the more points, the more contributions. Call for more than 10% of insurance sums.

Chinniki, what to add to the obligatory deposit:

Professional activity of the client- The robot is more risky, the higher tariff.
Lifestyle and Hobі. For example, a person loves to rise in price with exotic lands, or he dabbles in an unsafe extreme kind of sports activity, which raises the bet.
Vikova category of a gromadyan- up to the old children that vіdsotok vіdsotok.
Sublog affiliation- At cholovіkіv after they reach 40 years of risk, they will increase.
Fallow in the presence of a healthy client. People with serious ailments have high blood pressure.
History of insurance. Vaughn seems to be without a dog. What better way to pay for the insurance, the more money you can get from the company, the more you look at the people’s skils, take care of yourself and don’t get lost in the risks.
Number of those willing to insure- Tariffs are lower for complex propositions.
Terms of practice– to its permanent clients after the termination of the term of insurance with a further re- or continuation of the terms of the contract. In such situations, organizations give discounts to a large sum of money.
Transfer of information about the documents of risks- what is more, then the higher the art of the policy.
You can pay contributions for three schemes- One-time, randomly, after the end of the quarter or schomisyatsya.

Before laying down the contract, you should carefully read the contract, and discuss all the nuances with the presence of a legally competent person.

Issuing an insurance policy

It’s best to work in a company that is engaged in this business, already rich in fate, which has a great base and a good reputation.

The amount can be paid, no matter how much, 3,000,000 rubles. in currencies - rubles, in US dollars and the single European currency. Payments are due within 10 days from the date of transfer of the necessary package of documents at the time of the insurance settlement.

You can issue a contract for a special application to the insurance company.

What for this next step:

Submit a document confirming the person.
Write an application to the insurance company.
If necessary, submit documents that characterize the order to borrow, become healthy, and the lifestyle of the client, including before the contract.
Put together a lot of risks to get insurance.
Calculate the insurance amount.
Loosen the insurance deposit and pay the yogo scheme.
Pay.

If a person is staying at the zone of increased risk, then the organization may have the right to request additional documents, it also costs if the sum of insurance is calculated in millions of dollars.

The client can also confirm to the current authorities:

Mati vikom from 18 to 65 years.
Do not mother serious illnesses.
Disability of the 1st and 2nd groups include the possibility of insurance.

We have to pay

To cancel the insurance, it is necessary to submit the following documents to the organization:

Polis.
Passport of any other person.
Completion of the application form for an insurance claim.
Dovіdkovu base confirms the nature of the zapodіyanoї shkodi z establish z nadannya medical assistance or the treatment of the victim.
Finalization of the H-1 form in case of the current situation at work, or another act that confirms the current situation.
A document of an approved official body in case of an accident, which establishes the fact of an unfortunate incident and that yogo nuance. If, as a result, we suffer a group of disabilities, then it is necessary to submit copies of the outpatient treatment card, the history of the illness and documents to bring the relationship between current insurance cases and assignments of disability.

In cases where the client died as a result of HP, it is necessary to bring the following documents:

The original or I will notarize a copy of the death certificate.
Dedication of an individual of decay - vigodonabuvach.
The act of taking revenge on oneself for information about the cause of death of the insured.
I received a certificate from the notary's office about the right to concession.

For investigation of the circumstances of death, medical experts can be used.

After the submission of the package of documents, payment may be received at 10 days' notice.

Pluses and minuses of insurance

Collective insurance

Positive sides:

Changes in the number of calls to be made, otherwise the stench is paid for by insurance.
Allowing you to cover the beat for the timely non-practical or having spent the quality of the building of the spivrobitnik.
Covering part of the compensation for the time of the lethal result of the practitioner (and pay for the decline - vigodonabuvach).
Spriyaє increase the quality of medical care.
Zvajayuchi on the improvement of the quality of healthy spivrobitnikiv - increase their productivity.
Add prestige to the company.
Nepoganі podatkovі pіlgi.
Financial viability is transferred to the insurance organization.

Cons:

It is important to choose a specific category of insurance, yakі pіdlyagayut insurance. Bring insurance to everyone, at your own expense.
Zaboboni rich people for all kinds of insurance. Insurance is not relevant for self-sufficient deaths - they have no congestion in vigodonal shoes.

Individual insurance

Advantages:

Financial support for an important life situation.
Pokrittya vitrat, vitrachenih likuvannya chi rehabilitation.
What is the cost of spending time and money on time? What allows you to adapt in the first hour.
Increased obligatory credit limit.
Material compensation for the death of the insured.

Cons:

Necessity of post-implementation.
In the case of early insurance claims, it is necessary to collect documents that confirm the present insurance claim.
The investigation carried out may be delayed longer, lower passed.
High tariffs for children and young people.

Insurance in the event of unfortunate incidents of transfer (either private or private) payment of the insurance sum in connection with the current unfavorable events (or past events) that are related to the life and health of the insurer and the insured. Insurance against unfortunate events can be obtained from:

individual and group(insurance against unfortunate accidents at the factory) forms;
obov'yazykovu(passenger insurance, military service insurance) that kindly look.

Unfortunate drop- raptova, not transferring the call to the body of a person, as a result of which the temporal hour or a post-mortem disorder of health or the death of the insured.

As a consequence of some unfortunate state of affairs, that having managed a shkodi healthy life of a hulk, there will be a decrease in (time-of-hours chi more) income that (or) supplementary expenses, which vindicated the link from the second practice to the death of the insured. And if it’s a mistake, I’ll get a healthy life, it’s impossible to compensate, then it’s really necessary to spend it with the whole amount of material.

Main interests of the people, tied with similar vitrates, є the object of insurance against unfortunate events. Like an unfortunate moment, an injury can be seen, a severe injury, etc. As a rule, it is not an insured state of deterioration in health as a result of acute or chronic illness, as well as death, as a result of self-destruction.

Insurance against an unfortunate fallє sukupnіst vidіv, scho transfer obov'yazki zі insurance premiums from fixing sums or from rozmіrі chastkovoї or full compensation of additional vitrates of the insured individual, calling for the current insurance vpadku.

Insurance against unfortunate weather for a good-natured and obov'yaskovy look. it may be laid on its own weight, or on the weight of a third individual. Insurers may have the right to recognize whether a person is the owner of the insurance sum at the time of his death. At the contract, this person is called vigodonabuvach. If the vigodonabuvach was not assigned to the contract, and the insurance died, then in such a situation, those who fall behind the law will be in control. Insurance in the case of an unfortunate occasion can be carried out at a collective form (for the cost of business expenses) and on an individual basis.

The insurance company can set the minimum and maximum age of the insured. For children and people of a frail age, ring out the rules of insurance Shards of stink from a group of raised risks in the line with the main mass of insurers, so that the current insurance trend is increasing here. Insurance of children in the event of unfortunate events depends on the nature of the insurance claims, included in the contract.

The contract of insurance can fit into any term, or for an hour of singing the work, trips are too short.

When insured in the event of an unfortunate event, the insured event is recognized as such a call to the insured person, as causing traumatic injury, death, or death.

The following conditions are recognized as insurance premiums for an individual type of insurance, which were taken under the insurance contract:

time spent by the insured special sacral practice;
permanent loss of the insured special indemnity (disability);
the death of the insured person, as it became the result of an unfortunate fall.

When insured during an unfortunate state of affairs, it is not seen as an insurance state of health in the event of an acute or chronic illness, as it is possible to blame or cause the nature of the insured event under the insurance contract.

Podії mayyut but confirmed by documents seen by the competent authorities (medical regulations, the court then), if you can file insurance yourself.

The insurance company does not charge insurance premiums for applicants:

a special, insured malice, which zoomed in on the current insurance vipadka;
squinting vigodonabuvachy umisnogo malice, straightened out and caused by the current insurance depression, which is seen at the death of the insured individual;
management of a special insured transport facility at the station, be it of any kind, or transfer of control to a person, as if rebuking at the station, or to a person, as if they do not have the right to manage their own transport;
umisnogo zapodіyannya insured special bіlesnih ushkodzhen;
military actions, as well as maneuvers of other military approaches, mass wars, people's zavorushen and strikes;
with nuclear vibration, radiation and radioactive infection.

As a result of an unfortunate turn of events, there has come a permanent loss of physical and reasonable health of the insured person, disability, the remaining right to withdraw insurance coverage is valid up to the insurance sum established for this risk. Insurance coverage at the risk of disability to lie down at the stage of waste of practicality. As an unfortunate turn of events, having caused a timely waste of time, the insured person is paid insurance security, as a rule, at the sight of the help received for the entire period of rejoicing.

You can change depending on your age, profession, health of the insured person, as well as other factors that add to the risk of the current insurance situation.

Insurance against critical illnesses

The concept of insurance against critical illnesses (called CVD) was first promoted by the cardiologist Marius Barnard in Pivdenny Africa in 1983. The RHC potential of the SHC is surmounting the close relationship with the equal development of medical technologies: the more perfect the rest, the greater the ability to survive in the aftermath of the healing of illness. SKZ is an insurance product that is developing at the fastest pace in the world, in line with other types of life insurance.

Cover your basic option with a one-time sum, as you will pay if you have a diagnosis of one of a number of transfers from the police to medical conditions. Insurance against the indemnification of critical illnesses can act as a choice option to the life insurance policy, in order to secure the insurer with an additional sum, or an advance part of the insurance sum, as a payment for payment after death.

Vartist policy of HCZ to lie down due to such factors, like age, become, life style, early medical indications of health, insurance term and insurance sum.

Before main minds insurance against critical illnesses can be seen:

the security of the insured person with a sum of money for the hour of the diagnosis of any kind of illness from the listing at the police. For these insurances, one is guilty of living less than 30 days from the moment the diagnosis was made;
taken away by a penny sum of insurance, it is arranged for the ruling court;
basic coverage is expanding such as illness, like a heart attack, stroke, cancer;
supplementary policy may be included for over 40 types of illnesses;
at the time of the death of the insurer, the paid premiums are reversed;
a policy of insurance against critical illnesses can act as an okremy insurance product, and can also be added to as an option, be it a policy of life insurance;

term dії polisa varies between 5 years before reaching the insurer 65 or 75;
the possibility of returning insurance premiums for daily life could be paid in 10 years, or if the insurer reached 75 years.

Before basic vignettes the following formula is seen:

the fate of aviation flights like another, lower passenger of a commercial licensed airline;
fate in malicious activity;
addiction to drugs Alcoholic or narcotic addiction (toxicomania) or taking drugs in other ways, lower for the recognition of a doctor, which may have a license for drug dealing;
nedotrimannya medical orders. For no reason, not enough or not enough medical or medical orders;
unsafe sport or ways of doing well (boxing, rock climbing, descent at the stove, horseback riding, skiing sports, fighting arts, racing on yachts and on motor boats, underwater diving, testing cars, auto racing);
SNID/VIL. infection with the human immunodeficiency virus (HIV) or illness caused by the syndrome of full-bodied immunodeficiency (SNID);
trivale living behind the cordon;
navmisne zapodіyannya sobі shkodi;
viyna chi hromadyanski hvilyuvannya. War, invasion, military action (independently since that boulder was deafened by the war), a mass war, a revolt, a revolution, the fate of the slaughtered masses of the masses.

The policies of the VHC are classified according to the type of coverage (a change in illness, in some cases there is a risk of morbidity) and a combination of risks. The simplest policy includes heart attack, stroke, cancer (therefore the most widespread critical illness). Another folded type of coverage includes cardiovascular surgery, multiple sclerosis, neurological deficiency, paralysis, blindness, hearing loss, organ damage or transplantation. Acts of insurance include in the case of Alzheimer's disease, Parkinson's disease, to whom, loss of function, serious care. This list does not cover all possible illnesses, but guarantees payment for the treatment of more of them. A lot of current policies of the HCZ provide protection for infections in more than 40 cases.