Tsіkavo like for the owners of brand new cars, so for the car owners of a well-to-do transport. According to the statistics in Russia, there are more than half of the cars that are swimming, even though they can run.
For this reason, food is still relevant, for which reason the car can be issued a CASCO policy. In our article, we can look at all the nuances of the registration of voluntary car insurance.
Insurance for the CASCO program is not regulated by equal powers.
Dumka expert
Natalia Oleksiivna
The skin insurance company expands its rules for voluntary car insurance, which include, cream, limit on the number of vehicles that are insured.
Therefore, the first time to insure an old car will be subject to the rules of insurance of other insurance companies.
If we talk about the main trend, then the majority of insurance companies set the maximum margin for a century on the offensive level:
- no older than 7 years for machines of viticulture;
Carrying a car of such a vіku, the vlasnik can re-insurance on the design of any program of comprehensive CASCO insurance. Moreover, from the included options, which allows you to waive the payment without raising the fee. And for transport іz vіkom tse duzhe important.
See car insurance.
If the car exceeds the limit set by the company, then with a car owner they can put an individual insurance contract, which may be different tariffs or be especially mindful.
Most insurers look like this:
- Obov'yazkova nayavnіst franchising - sumi, like an insurer pay nothing to pay, compensating for losses. Repair on qiu sumu vlasnik auto cover with wet money.
- Details may change to non-original. In other words, in the form of another selection, and not an official selection for a specific model and brand of cars.
- It is allowed to repair parts instead of replacing them.
In order to carry out CASCO insurance, it will be necessary for the driver of an old car to spend more than an hour, for a new driver of a new car. Come to see the offices of wealthy insurance companies, to correct their propositions. As a rule, the great insurance companies have more wide-ranging insurance rules and a larger range of insurance programs.
Good luck on the roads!
Life insurance at the time of death is the classic version of insurance, for which an insurance company, laying a contract with a client, pays a penny sum for a guarantee to persons designated as obedient at the time of the death of the insured.
The insurer carried the obligation before the insured special stretch for an hour, for which the agreement was laid. With the method of regulating the mechanism of both the parties are liable to make such necessary payments, such as making insurance payments and insurance payments.
Insurance payment- It's fixed a penny sum, like a goiter's insurer is to pay the insurer for his services. Such a sum is exchanged by the parties before signing, please. The client needs to make contributions up to the time limits clearly established by the agreement. The amount of payment to be deposited depends on two factors: the type of insurance tariff and the amount that the company can pay to trusted persons after the death of its client. Insurance premium- ce suma koshtiv, as it is established for the additional signing of the contract and it is regulated by official legislative acts in the sphere of insurance. Whoever deducts the premium at the time of death, the insurer himself is violating.
The process of insuring a child's individual is divided up to the CCU of the Russian Federation and is regulated by the Law "On the organization of insurance control in the Russian Federation", as well as other civil and legal norms and acts.
Features of life insurance in case of death
Prior to that, as between the insurer and the insurer, the agreement will be signed, the insurance company can assess the possible risks associated with the death of the client under the hour of homelessness. With the help of the method the subject is liable to undergo a complex medical treatment, as a way to allow revealing the presence of chi in the new chronic ill people
It is also important to indicate that a person has the right to insure his life with several companies. One of the minds in the same way polagatim at a clear dotrimane lines and pay all the extras. Spadkoєmtsі may have the right to take financial remission in the event of the death of the insurer due to an unfortunate fall, illness or third-degree illness. Life insurance at the time of death includes the risk of self-destruction. In times of need to complete the agreement, the client can request to return the payment amount. The redemption sum is the sum of money, which is to be insured, coming out of the established insurance reserve at the time of the final payment between the parties.
Subjects of the insurance contract
Life insurance in Russia transfers the mutual benefit of the advancing subjects:
- Insurer- A full-fledged physical individual, as if he were rebuying in a children's camp.
- insurer- a legal entity, as we give services of life insurance at the time of death.
- Insured individuals– a physical individual, which at the time of the contract was concluded for 18 years, and at the time of completion of її dії – 70 years.
- Vigodonbuwacha– the subject (sub'ektiv), which, for the sake of the insured individual, may have the right to withdraw the insurance payment after death. PIB and contact details of the vigodonabuvach are indicated for the hour of laying please.
Respect that the insurer and insurance can not be one and the same special. The subject can insure, like himself, and his relative, friend, acquaintance. Citizens of the Russian Federation, foreigners, and instill individuals who live in the countryside, but still thrive on the masses, can be insurers.
See life insurance at the time of death
On this day, use the following life insurance against the fall of death:
Term insurance of life against death
This type of insurance allows you to pay a penny premium think that the insured person does not live to see the time when the contracts have appointments. At times, the client is required to make regular payments before the end of the contract.
For the reason that a person lives to the age appointed in favor, she automatically attaches her own destiny, calling the insurance organization in the form of any losses. At the borders of which type of insurance, it is accepted to see an agreement that regulates the growth and fall of the insurance sum.
Primary life insurance against death
Wash off the pre-insurance, they pay for it, that you pay, like a zdijsnyuyut insurer, with the method of removing the financial compensation, they are paid one-time or periodically. This option allows us to consider two factors of the death of a physical individual:
- In the end, spend your childishness. The insured person can be no less than 16 years old and no more than 60 years old.
- In the aftermath of a third-party surgical intervention. The insured person can be no less than 16 and no more than 75 years.
The Law “On Insurance of Life and Health” gives a list of documents that must be given in case of death of the insured person:
- the statement of the inserted indemnity, in which it is necessary to indicate the withdrawal data earlier than the one laid down in the insurance contract;
- original insurance contract;
- a photocopy of the death certificate of the insured person;
- signatures, scho to tell about the cause of death;
- Documents about the right to Volodymyr Spadshchina;
- Identification documents of the vigodonator.
Variety of life insurance at the time of death
When choosing the type of insurance, rich subjects play the most important role in life insurance.
The insurance rate is regulated by Article 11 of the law “On the organization of insurance control before”.
On yoga roses, add the following factors:
- the level of the demographic situation in the city and the country;
- profession and place of work of the insured person, to become, century, way of life, health status and character;
- insurance history of the subject, as well as the number of insured persons with one's own family;
- insurance period; type of risk taking;
- analysis of expenses incurred by the insurance company;
- availability of insurance reserves, yoga policy.
For example, if you insure your fathers from 60 to 74 years for an amount of 1 million rubles, then your insurance company will pay 500-1000 rubles per month.
Video: 10 myths about life insurance
additional information
Having analyzed the statistics of the arrangement of agreements on insurance against death by persons who live in the territory of the Russian Federation, we can give an unflattering conclusion about those that this figure is steadily increasing. So, relying on the data taken by the Service of the Bank of the Russian Federation, the sum insured in 2009 deposited 14430000000 rubles, in 2012 - 52750 million rubles, and in 2015 - 72300 million rubles.
This type of contractual agreements is regulated, by us, by the legislation of Russia. Issuing the law “On the organization of insurance control”, adopted on the 27th of the fall of 1992, as well as a copy of other state assets.
Depending on the legislative norms, the insurance company goiter is to pay the exact sum assigned to the documents to people, as if a person died, which destinationsagreemente. In this rank, a kinsman often saves a penny podtrimka for his sim's, as if an unfortunate mood is traipsed with her.
Legislation gives the possibility of arranging a contract for an insurance policy, no matter what time it is, as for which vinyl is needed.
Features of life insurance
Life insurance at the time of death - this is the kind of contract, for which the client has to pay pennies to the company in terms of the terms, and the company wants to pay the sum, which is the insurance hit. Pennies are paid by specific people to a few people. At the contract, they are called vigodonabuvach.
Ale before him, as an insurance company lay down an agreement with the client, the practitioners report on the situation of the insurer. It is necessary to reveal and evaluate the risks of death under the hour please.
To fit the contract, the client can pass a medical report, for the help of which you become aware of chronic illness and illness, or their day. Tse Umov Obov'yazkov. It was created for the purpose of perverting, if not the client is a mortally ill person.
For the naslіdkami obstezhennya, premium payments are charged.
Before speech, a person can have one or a few insurance policies in one or other firms.
Naygolovnіshe - in due course to pay for the settlement of the contract.
Various life insurance
Daily insurance has three main types of such insurance:
- Term insurance. It is also called - life insurance. Insurance payments are canceled if the deputy reaches the established age. If the client dies earlier, the next day of appointment, the company does not pay compensation, or pays a small part of the deposited amount. The term insurance is most suitable for accumulating pennies for old age. Until the speech, deyakі insurance firms allow you to continue the deed of contractual minds.
- Dovіchne insurance. The agreement is laid down for an hour of non-significance - until the death of the deputy. Deposits can be carried out all life, or only a song period. Use everything to describe the contract. Warto turn respect yakscho paid additional, compensation for rich things. This type of insurance is especially popular there. At this time, two options for the death of the deputy are considered:
- If you spend your childishness: people can be no more than 60 years old and no less than 16.
- After a recent operation: the deputy may be no more than 75 years old and no less than 16.
- Zmishane insurance. Poednuє at your own resentment, see the insurance. The insurer is vvazhaetsya indulgence, which comes earlier. Most often, at the time of the death of the deputy, the sum becomes rich. This type of insurance is the widest in Russia.
Also see this way life insurance for mass:
- individually - the life of one specific person is insured;
- collectively - the whole team is insured, if the practitioners suffer from serious insecurity on the job.
In addition, life insurance can be:
- dobrovіlne - for the client's housekeeping;
- obov'yazkove - such insurance is provided by the viysk, state servicemen - pennies from the state budget are seen on it. All passengers on flights, cruise liners and aircrafts are also insured obov'yazkovo - the amount of insurance is already included in the ticket. So, in some cases, people goitre to insure their lives - for example, as if they were taking a mortgage.
Insurance participants
Life insurance transfers contact number of objects:
- An insurer is a full-time physical person in a child's camp.
- An insurer is a firm, or a legal person, as a reward for the service of insurance.
- The insured person is a full-time physical person, who at the time of the termination of the contract is no more than 70 years old.
- Vigodonabuvach - one or more cases, such as choosing an insurer for the year of the insured individual for a penny compensation. By extending the contract, the deputy can change the vigodonabuvach.
There are three groups of objects for laying the contract:
- The deputy insures his life - with the insurer, so we will insure it overnight.
- The deputy insures another person, for example, a father or a child. For this guy, the deputy will be the insurer, and the father of the child will be the insured.
- Sleep insurance. It is not uncommon for a firm to fit a team of that person. I pay one of my friends, if the other dies.
Wash away the contract
Naygolovnіsha umova for payment of compensation - the price of the insured fall, for the death of the insured. The agreement is fixed no less than one night and no more than 20 nights.
With any insured death, the one who is deluded in the minds of the contract is respected. Є change of situation, yakі do not lie before the insurance fall:
- self-destruction - tse clearly spelled out at the sight of the contract;
- cosmetic procedures and operations;
- disruption to the regime of likuvannya, like having prescribed a drug;
- dodatkovy risik for life, for some people Ide svidomo - for example, extreme sports.
Respect - the amount of compensation after the current insurance period is specified by the client.
Vartist insurance
The price for life insurance against death should be deposited with us in front of the contract
- vіk, which is signified by a change of x that is counted as fates;
- number of people (L) who live to the age of x.
Vtіm, є sche kіlka factors, yakі vplyvayut on those, skolki koshtuє service:
- to become a deputy - to people, as a rule, they form a greater high vartist;
- vіk - chim older person, tim vishchi insurance contributions;
- the way of life of the deputy; presence of shkidlivyh zvichok;
- a group of risks - a sum of money is paid on the basis of a month of life and robots of people: what is the most risky person, what is the most penny rate;
- signs of healthy people - appear after medical obstezhennia;
- trivality of insurance - dovіchne that terms of insurance transferring a decrease in the sum for out-of-pocket, as the term of the trival agreement;
- especially mind at the contract - at the sum of the extra money, the amount of insurance money is added, and navit dodatkovі programs, transferred by the insurance company;
- insurance company reserves;
- demographic statistics of the country;
- insurance history of the deputy
Video: life insurance cover
Life insurance rules
When the contract is folded, the next thing is to get the minds of the minds, if it is given, they can get in the way of the insurance premium. You need to state the language:
- place, date, hour of execution of the contract, yogo participants in that line;
- I will verify that report information about the person whose life is insured;
- possible fearful falls;
- the specific amount of compensation for the death of an individual.
As if the facts are daily, or they fail, an agreement can be made without expiation And the person, who was guilty of taking away a penny of air, did not take anything away.
Documents for life insurance and compensation
The list of documents that you need to take for the execution of the contract, let's come:
- passport;
- application on the form of the insurance company;
- vysnovok medical pracіvnikіv schodo become zdorov'ya the applicant.
Also, the client at the insurance company will be given to fill out a questionnaire, for the help of which fahivtsy can evaluate insurance risks.
The transfer of documents, as necessary to vigodonabuvach, prescriptions from the legislation:
- the application, in which special data and information about the provisions of the agreement are specified;
- original insurance contract;
- a photocopy of a certificate of the death of an individual who was insured;
- medical descriptions that explain the cause of death;
- documents for Volodinnya-Spadshchina;
- vigodonabuvach's passport.
Banks for life insurance
Based on the statistics, there are over 70 insurance companies on the territory of Russia, which can provide the service of life insurance against death. With skin service, it is becoming more and more popular.
- the accumulative agreement is laid down for at least 5 years, maximum - up to 50 years;
- century qualification - 18-50 years;
- the possibility of laying down different types of life insurance;
- the service of accumulative life insurance of children on a great term - 10-20 years;
- insurance program pratsyuє tsіlodobovo in all zemnіy kuli;
- the client chooses the periodicity of the insurance payment - schomisyatsya, quarterly or randomly.
Let's take a look at the most popular banks for life insurance:
| naming the jar | Wash your insurance | Features |
| Renaissance Insurance | -Agreement fits into the term for 5 to 10 years; - daily minimum and maximum standards - Possibility to pay the fee up to 100,000 rubles. | Possibility of Swedish life insurance for one person for an additional system of prompt payment |
| Alpha Life Insurance | - The minimum penny deposit is valid for 189 days or for one river; - The amount of the deposit to be deposited in the region of residence - for Moscow won to become 50,000 rubles / rub., For other settlements - 30,000 / rub. | Deposits in foreign currencies are accepted - 2000 euros or 2000 dollars |
| Russian Standard Insurance | - A simple type of insurance: a deposit of 3,000 rubles; - an elite type of insurance: a deposit of 10,000 rubles; | The possibility of insuring children - on insurance deposits from 1000 to 5000 rubles. At the same sum of penny compensation, hundreds of times I transfer contributions. |
| ROSDERZHSTR Life | - Terms of the contract for 5-10 years; - Deposits - 5000-8000 rubles. - Pay to transfer deposits by 10-30% | Possibility of accumulative insurance for children and families |
| Oschadbank Insurance | - Tariff rates for efficiency range from 2% to 150% - payment of 1000 rubles. | Orientation bank for corporate and collective insurance |
Father, you can insure your life with all the great banks of Russia. Vіm, before laying down the contract, it is necessary to know all the pervagi and nuances of this type of insurance. Most of the time, it’s true that it’s true, but it’s a singing risk - as the term of the contract ends, but the insurance shock doesn’t come, all investments are seen as maritime. Also, it is important to remember the insurance company before signing the contract and provide reliable information about the person, as if you will be insured.
In our time, there are many who attach great respect to the correct and complete eating, a healthy way of life and plastic surgery. It’s hard to say that, as a person can be called summer.
The process of antiquity is individual for everyone. Vіn is marked by the number of lives lived. For someone with 50 healthy people, they have the best money, and for 70 people, they don’t know what kind of medicine and liki. Therefore, people of a frail age are a group of centuries, with some specific features, interests, consumption and values.
Russian legislation recognizes pensioners as quiet, who has already reached the pension age. For cholovіkіv tse 60 roіv, and the representative of the beautiful half - 55 roіv.
If there is a need for insured summer people
The term “third century” is used more and more often in the Western World. The most active period of people's lives is seen before the new one. Vіn rozpochinaєtsya after retirement. In such a city, there is a lot of people who start especially actively to raise prices, to show all the cultural influences, to start new interests and hobbies.
Important! People of the "third century" have negative features - high trauma.
In young people and people of the middle age, injuries often end in gardens and slaughter. And the axis of the fall of the summer can turn into a fracture, or more serious. Insults can be a disability and lead to a ruined life.
Vіkovі obezhennya rosіyskih SK with insurance of people of the frail age
Russian IC allow issuing insurance for people of a frail age behind the cordon, they have such a century of subsistence:
- Renaissance - up to 64 years
- Tinkoff, Oschadbank Insurance, Dopomoga - up to 75 years
- Arsenal, Absolute, Zetta - up to 80 years
- Reso Guarantee, Allianz – up to 85 years
- RosDerzhStrakh - up to 89 years
- Zgoda, VTB Insurance, Uralsib, ERV – up to 90 years
- Alfa Insurance, Liberty, Ingostrakh, Russian Standard - up to 100 years
Riziki, yakі can viniknuti pіd hour more expensive
Life insurance for people of a frail age I give great respect to the risks, in some cases, the police have a vitrati, they are connected with the first help (transportation of an individual to the clinic, treatment, diagnostics and other things).
In practice, the leading rank of risk of injury is associated with such negative conditions:
- change in the regime of eating and pickling improvement;
- sharp drops of bloody vice;
- fractures, slaughter and cuts;
- chronic ailments;
- heart attack and stroke.
Variability of insurance for people of a frail age and ability to reduce
Today, not all insurers are ready to deal with clients over 65 years of age for honey. cordon insurance. The issuance of such a policy carried great risks for the UK, oskіlki pov'yazanі zі zdorov'yam insured.
For my sutti insurance for people of a frail age when the price rises beyond the cordon, nothing is disturbed by honey. insurance. But the rest view of most companies is obligatory when making a tourist tour, before that wine costs a lot cheaper.
Respect! Tariffs for insured summer people at the same level with other groups of clients have a significant increase due to high risks and high mortality.
Old age to make its own adjustments to the price of the policy - the more fateful individuals, the more expensive it is to pay. For example, people from 65 to 69 years of age will need to pay 1.75 times more, lower for the base rate. For osib vіkom 70-74, the coefficient becomes 2.25. People of the older age have a chance of 80 years to take away the power from the UK in the post-traditional space. The reason is the filthy resilience and the low demand for insurance of people of a frail age.
You can reduce the amount of insurance by issuing a policy with a franchise, or you can apply for low risks. As a result, a small number of people will be entered into the document at the same time, if they allow me to take a small amount.
Pay at current insurance rates
In case of an insurance accident insurance for people of a frail age you can cover:
- first aid medical assistance;
- vitrati on medicinal preparations, yakі vypisav likar in case of giving the first medical assistance;
- Vitrati at the hospital likuvannya (skin fluctuations are seen individually).
Some diagnostics show that for the necessary medical assistance, it is necessary to use the terms of surgery. For certain reasons, for some reason, it is impossible to be given in a foreign country, where the insurer was known. In such a situation, the insurance policy covers the need for evacuation to the Batkivshchyna.
You can get insurance in one of the offices or through the official website. In the rest of the day, it is necessary to go to the side with a special form and fill in all the language fields. After that, the system will put the rozrahunok and vivede yoga on the screen. As everything is power, to get rid of it is just to pay. A digital policy will be sent to the electronic screen through a sprat of khvilin. Insurance, issued online, in no way can you accept a policy with a wet signet in the office of the company.
Having insured your life, that healthy, it is a long time for a person to ensure their security. This is especially relevant for an hour of travel to the foreign country. At the time of an unfortunate turn of events, an insurance company with a medical and other policy. And the insurer himself will be given a highly qualified medical assistance.
1. In a special insurance contract (for a vinnyatka, set below), the insurer and insurance are taken in one person. “A person who wants to be insured”, about how to go to the rules of insurance, that person, like laying a contract with State Insurance, and that person at once, that person, death, or live to see the sing term, or the loss of such a value for insurance which contract. That is why “a person who needs to be insured” in the general rules of insurance, since she has laid down an insurance contract, is called “insured”, and sometimes for the recognition of the value of an individual, the collapsible term “insurance (insurer)” is used.
Depending on the type of insurance contracts in case of unfortunate accidents for the organization’s account, the State Insurance Agency fits in with the state-owned, cooperative and huge organizations, which act here, like insurers, even as insurance companies for these contracts.
So, when insuring pensions, one person (the insurer) lays down an agreement with the Derzhstrakh, for which the payment of pensions may be charged to another person (insurance).
In this rank, for these two remaining types of insurance, the insurer and insurance are different individuals.
2. Insurance against accidental events with additional organizations, insurance of pensions, as well as neobov'yazkove insurance of passengers, is carried out independently in the name of the insured person, as well as other types of special insurance, it is possible to establish a general and border insurance contract The insurance cover for these types of insurance contracts with persons mostly not younger than 16 and, as a rule, not older than 60 years.
16 years - the age of employment, and there is no reason for the fact that a person, who has not yet reached that age, could insure herself against the waste of practice; there is no reason to believe that such a person (in view of the material support that no other individuals should lie still) could insure her life for the melancholy of someone close to her and took on the melancholy of a third individual. A person who has not reached 16 years of age cannot make an agreement on special insurance either specifically or through a representative.
Well, before the 60th century, with the reach of a person, as a rule, he is exercising the right to a special insurance agreement, then such a
of the first border age may be considered: for persons who have reached 60 years of age, it would be necessary to establish life insurance according to these tables of mortality, laying high tariff rates of insurance premiums, which insurance for them would be economically insufficient.
If you want to spend money in case of an unfortunate event, basically not in case of an insured person, the prote for the Rules of insurance in case of an unfortunate event is established that Derzhstrakh lays such an insurance agreement with persons for up to 70 years.
Vіk individuals can be the criteria for designating that exchange of the insurance term. So, according to the rules of insurance for the death of the victim, the Derzhstrakh puts contracts on lines not reaching the insurance of the 65th century.
When the insurance contract is laid down for a person, if you want to be insured, you must submit a passport or a document that will replace it.