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    It is a completely voluntary program, but if the parents decide that such a procedure is mandatory for their child, you need to figure out what it is for.

    Almost all children, due to their mobility, receive many injuries. Of course, in most cases they are insignificant and do not require the participation of doctors. But if something serious happens that requires surgery or expensive treatment, parents are obliged to pay in full, the cost of all services provided.

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    Not every family has a high material income in this case, the insurance program for the child, will significantly reduce the risks possible unforeseen situations and will act as a guarantor of full or partial monetary compensation to pay for the assistance provided to a child undergoing treatment.


    Features of insurance

    Child insurance perhaps from the first days of his birth until he reaches the age of majority. Typically, an insurance policy is purchased for a period of one to twelve months. But some companies provide insurance for up to five years.

    During the selected time, parents are required to make monthly installments, before the occurrence of an insured event.

    They can also choose the most dangerous period for their child, it can be: a trip to a summer camp, sports competitions, going abroad, a period of study.

    There are a number of possible risks that are subject to insurance and are indicated in the contract with the insurance company.

    1. Disability resulting from an accident.
    2. Disability of the child due to soft tissue injuries, bone fractures, bruises, burns, etc.
    3. Hospitalization of a child as a result of poisoning, as well as for any temporary health problems as a result of an accident.
    4. Lethal outcome (death) as a result of an accident.

    This type of insurance does not imply temporary and minor ailments such as respiratory diseases, general weakness, migraines, and the like, and also has a number of exceptional cases, which are considered separately or are not accepted for insurance.

    1. Children with Down syndrome or cerebral palsy.
    2. Disabled children.

    How does this insurance work?

    From the point of view of all insurance companies, accident insurance is a sudden event that has led to damage to the health of the insured. Insurance premiums in such cases are small, but insurance payments can reach impressive amounts.

    Having taken out insurance, you need to understand how it works. After the conclusion of the contract, it becomes necessary to pay monthly insurance premiums, before the occurrence of the insured event specified in the contract.

    Many companies make concessions and accept mandatory contributions once or twice a year. The insurer, in turn, receiving the money, guarantees the full payment of the agreed amount, when the moment of inevitability comes.

    As soon as an insured event occurs, the company needs to present the relevant documents and receive a cash payment within 5 working days. The amount must be paid in full by the insurance company, excluding the presence of a deductible.

    Franchise─ it application minimum damage health baby from unfortunate case... All these circumstances are necessarily fixed in the contract.

    What programs are there

    Insurance institutions are usually based on two main programs for accident insurance for children.

    1. 24-hour policy─ This program provides guaranteed insurance coverage in case of injury to a child at any time of the day.
    2. Temporary insurance policy─ this policy covers a certain limited period such as: training in sports section, school or kindergarten, walking on the street, attending additional activities associated with an increased risk of injury, for example, chemistry or physical education.

    Collective insurance. Unfortunately, children are often injured while on vacation at a children's health camp. During this period, the risk of getting herbs for a group of children significantly increases. For example, subsequently a traffic accident, as well as mass poisoning and insect bites. Such a program assumes collective round-the-clock insurance for the whole year and allows travel abroad.

    Collective insurance when practicing in sports clubs. This program is the most common, as the risk of getting herbs while playing sports is very high. It is intended for children of athletes between the ages of three and seventeen, and operates on the territory Russian Federation, around the clock for twelve months.

    Accumulative insurance... Today, such programs are relevant and popular. They not only guarantee a cash payment for an insured event, but allow you to accumulate a certain amount by the time specified in the contract. Often this is the child's majority or the moment of graduation educational institution.


    Policy cost

    Having decided to insure your child against an accident, you have to choose a reliable insurance institution.

    It is worth paying attention to the list of the most popular companies in Russia and the cost of their services.

    "RESO Guarantee"

    The insurance company offers parents 10 programs child accident insurance case... The cost of the selected insurance policy for one child will range from 100 to 850 rubles. Payments for an insured event range from 20 to 100 thousand rubles.

    Examples of the cost of the policy and the payment on them.

    UralSib

    The company provides a program for children and anti-mites. They include payment for emergency surgery, ambulance services both at home and in medical institution, inpatient treatment services, clinical and outpatient care, as well as other range of services included in children's insurance programs.

    "VSK insurance"

    The insurance house offers the purchase of an insurance policy with a period of one to twelve months. Parents themselves can choose the term for insuring their child. The cost of the policy for a period of 12 months is 845 rubles, and includes all possible risks.

    Rosgosstrakh

    This company offers a number of programs for child accident insurance.

    1. Tick ​​protection.
    2. "Graft".
    3. International Medical Assistance.
    4. "Medical assistance in case of road accidents."
    5. "Protection against hepatitis".

    The cost of baby poles varies from 200 to 500 rubles... But it is important to note that the wider the range of services, the higher the price will be. Full complex service will cost about 7 thousand a year.

    Sogaz

    The insurance institution offers several types of child insurance, as well as an economy program. The cost ranges from 110 to 5500 thousand rubles. Payments for an insured event can be calculated according to the following scheme:

    How to reduce the cost of the policy

    From the prices set by insurance houses, it becomes clear that purchasing an insurance policy can be not only cheap, but also expensive. Not everyone has enough Money, to insure your child, so you can consider several simple ways to reduce the cost of the policy.

    • If the child is attending a section or going to the children's wellness center, you can try to organize a collective insurance. In such cases, good discounts are provided.
    • When concluding a contract, there is an option to completely exclude the services of a dentist. In the end, it is possible to cure teeth, especially in children, on your own.
    • Many companies offer many unnecessary services such as massage, mandatory vaccinations, speech therapist services. After carefully reading the contract, you need to remove those items of services that are not needed.

    What you need to do to receive insurance payments

    At child accident insurance, parents are required to notify the company within three days and submit the following documents:

    1. An agreement with an insurance company;
    2. Documents that testify to the occurrence of an insured event: a death certificate, a certificate confirming the presence of an injury, a medical report on the assigned disability, an extract of their medical cards.
    3. Insurance houses have the right to request additional documents to prove the accident.

    Child accident insurance─ the maximum way to protect your child from accidental and unforeseen circumstances. It is a mistake to consider him a stupid and frivolous act!

    Life is unpredictable - anything can happen to every person at any second. It is important to be prepared for this. An accident insurance policy will not help you avoid trouble, but it will provide financial protection if it does occur.

    Terms of accident insurance

    The minimum insurance period in the Absolut Insurance company is 6 months, the maximum - 12 months. The policy may start no earlier than 5 days from the date of purchase. That is, you cannot make the insurance take effect immediately. This is done in order to avoid fraudulent schemes.

    Sometimes insurance is bought for a short period, for example, to participate in competitions or when traveling to other countries of the world.

    After the expiration of the old policy, you can take out a new insurance.

    Payments in the event of an insured event

    It is important to know that the payment depends on the type of insured event. For example, the maximum payment can be received only upon death, complete loss of sight, or other serious consequences.

    To receive payment you need:

    • inform the insurer about the incident;
    • send supporting documents to the insurance company;
    • wait for the consideration of the application;
    • get paid.

    Where to buy accident insurance?

    There are two ways to buy: at the office of the insurance company or on its website. The first way involves a trip to the nearest branch of the insurer. This can take up to several hours. The second way is easier - you can go to the website of the insurance company from a computer or mobile phone, select suitable option, fill out the form and pay for the policy. The insurance will be sent to the email address. The whole procedure will take a short time.

    It is important to check the presence of the insurance company in the register before buying. The central bank Russia.

    What to look for when choosing an accident insurance policy?

    First, what you insure. If you play sports, it is important to include this option in your insurance policy. Without it, you may be denied payment. If you are often injured, then take out personal injury insurance.

    Secondly, before buying a policy, read the Insurance Rules. You must clearly understand what you are paying for and what you need to do when an insured event occurs.

    Thirdly, pay attention to the data on the insured person. If you make a mistake by one letter, the insurer may refuse to pay. Read the received policy carefully. If there is a mistake, ask to fix it. It doesn't cost money.

    What determines the cost of the policy?

    From such parameters:

    • age;
    • insurance period (the shorter, the cheaper the insurance);
    • sum insured (this is the maximum payment in case of an accident);
    • playing sports or activities;
    • insured risks (death, disability, bodily injury - the fewer the risks, the cheaper the insurance).

    What documents are needed for registration

    You will need to indicate your full name, date of birth, passport series and number, department code, date of issue of the document, place of birth, home address, start date of the policy (recall, it cannot be earlier than five days), e-mail and phone number.

    The insurance is paid using bank card The policy will be sent to the specified email address. It can be printed or simply stored electronically.

    When is accident insurance necessary?

    Is always. You never know what is going to happen and where. It is important to be prepared for this. Insurance will not save you from trouble, but it can protect you financially from the problems that arise. For example, if you accidentally break your arm, you may have to spend several months at home. During this time, you may lose your paycheck. For those who have insurance, the insurance company will pay compensation for the damage.

    It is better to buy insurance and live a year without accidents than not buying a policy and taking risks every day.

    How to get an insurance policy?

    To purchase an accident policy, go to the calculator of the company "Absolut Insurance". Choose who will be insured: an adult or a child. Then indicate the insurance period (from 6 to 12 months), the insured amount (this is the maximum payment amount). If you go in for sports or other activities (for example, you like to go to a water park), then indicate these options. Then select the risks you want to insure. Click the "Continue" button.

    The next step is to enter information about yourself, address and contacts. Payment for the policy is made using a bank card. The policy will be delivered to your email address.

    We know that an accident (AC) can suddenly harm a person's health. This will prevent him from working and deprive him of income. Accident insurance allows you to compensate for those financial losses that any person may suddenly face.

    1. What is an accident

    And first, let's clearly define what we intend to defend against. Insurance companies often describe an accident like this:

    Accident Is a short-term, sudden, unintentional external event that occurred against the will of the insured and / or beneficiary, and is not a consequence of a disease - which entailed bodily injury or death.

    It immediately follows from the definition that illness is not an accident. NS is a very fleeting external event that a person could not foresee, and which caused damage to his health, or led to death.

    A classic example of an accident is the moment in the film "The Diamond Arm" when Semyon Semyonich falls on the sidewalk, slipping on watermelon peel... He did not want this, everything happened suddenly, and very quickly:

    A second before the sudden fall

    The result is a broken arm, disability for several weeks, and lost income during this time. It is precisely this income that we can return to the family with the help of accident insurance.

    2. What is insurance from NS

    An accident insurance policy is an agreement with an insurance company, according to which a person pays a premium, and the insurance company is obliged to make a large payment upon the occurrence of insurance events specified in the policy.

    And here the question arises - why do people need such a policy?

    An accident insurance policy is designed to protect a person and his loved ones from sudden and sometimes very large losses. After all, an injury will prevent a person from working, which means it will deprive him of income for a while.

    And if the injury is very serious, then the person may get a disability and lose the opportunity to earn money until the end of his days. Finally, fatal events are also possible - when, as a result of an accident, a person dies.

    As a result, due to events that we cannot control, the family can suffer very large losses. This is where an accident insurance policy comes to our rescue, protecting the family from such damage.

    If, as a result of an accident, a person is injured, then, according to the contract, the insurance company makes a large payment to the person. This payment compensates the person for the sudden loss of income, and provides funds for the restoration of health. Thus, accident insurance ensures the financial security of the family.

    3. Types of policies

    Accident insurance policies can be divided into two groups: classic and extended insurance. What is the difference?

    In classic accident insurance, the cause of damage to life and health is always an accident - and only that. If we talk about extended accident insurance, then in such policies a person is protected from both accidents and fatal diseases.

    At the same time, insurance companies very often take the risk of “death due to any reason "mandatory in those policies that are able to protect against deadly diseases. And since death for any reason is much more likely than death as a result of the National Assembly, then contracts with extended protection are already much more expensive.

    The main types of accident insurance policies are presented in the table:


    Now let's take a closer look at specific policies that you can use to protect your financial interests from the consequences of an accident.

    3.1 "Box" accident insurance policy

    What is a boxed product? This is a product / service that can be used immediately, out of the box. In real life, such policies are opened as follows.

    The insurance agent takes the policy form, indicates the client's personal information, ticks off the required insurance amount from several predefined options. The chosen level of insurance coverage determines the cost of such a policy.

    What is important to understand here?

    When opening such a policy, a potential client does not go through the procedure for determining the risk inherent in the life of this particular person. On the professional language insurers such an analysis is called "underwriting".

    Before issuing such a policy, the insurance company does not ask the future client questions about his profession, state of health, or the presence of dangerous hobbies. This contract provides for a single insurance rate for all potential customers.

    However, it is clear that the likelihood of injury in a mature 69-year-old person is significantly higher than that of a young 30-year-old in full bloom. Because the reaction of an elderly person is not the same, the bones are more fragile, the eyes can see worse. And for these reasons, older people are more likely to have an accident than younger people.

    But in the "box" policy, the insurance rate for young and mature people will be the same. By what means?

    Obviously, in such contracts, the insurer will calculate the insurance rate in such a way so as not to be at a loss when insuring any category of clients. And as a result, in such a policy, the cost of accident insurance is quite high.

    And it cannot be made lower, since in this case, a thorough analysis of the potential client is not carried out before issuing an accident insurance policy. This means that it is impossible to accurately calculate the cost of insurance, taking into account the risks inherent in the life of a particular person.

    But you can open such a policy very quickly, and it is relatively high price- payment for speed and convenience at the stage of contract opening.

    An example of a "boxed" product is an accident insurance policy "". This policy provides the client with only 12 insurance options:

    To apply for a policy, you need to tick the box, marking the selected insurance option. For example, a package of risks: death, disability, and bodily injury from the National Assembly with protection of 1.500.000 rubles in such a policy will cost 18.160 rubles per year.

    Then the client signs the policy and pays the insurance premium. The policy takes effect three days after the payment of the premium.

    The "Option" policy is valid for a year, and if during this time an accident occurs with a person, it will be paid in accordance with the contract. If everything is going well in a person's life, then the contract ceases to be valid. And in order to be protected again, a person needs to issue a new “Option” policy and pay the next annual fee.

    Please note, this is important: this policy is able to protect against death, disability and bodily harm - only if these events occurred as a result accident.

    For example, if a person with such a policy dies as a result of a heart attack, the insurance company will not make any payment, since illness is not an accident.

    The main properties of the policy are presented in the table:


    3.2 Insurance policy from NS with risk level analysis

    Consider a more functional policy. When opening such a contract, the insurance company asks the person a number of questions that allow it to assess the risk of insuring a new client. These are questions about a person's age, state of health, the nature of his professional duties, his hobbies.

    When calculating the cost of the policy, the insurance company will take into account the responses of the future client. And since the insurance risk is assessed before issuing the policy, as a result, the insurer can offer its client more favorable financial conditions in comparison with the "boxed" product.

    An example of a policy with a risk assessment is the policy "". This contract also opens for a period of only one year.

    This is already a much more flexible product than the "Option". If in the "Option" there are only a few preset amounts of insurance coverage, then in the "Risk Control" insurance coverage can be selected as arbitrary.

    Further, in the “Option” accident insurance policy, the client is obliged to include at least three risks: death, disability, and accidents. However, in the "Risk Control" program, only "death by NA" is a mandatory element. And already at will, the client can add protection against disability according to the NA, and injury according to the NA to his policy.

    Risk assessment and freedom in the choice of options have a positive effect on the price of insurance. For example, excluding the expensive, but not fatal risk of injury from the policy, we can provide a person with a fairly high insurance coverage for critical risks: death, and disability according to the National Assembly.

    For example, with a budget of 18,240 rubles per year, we can protect a person from death and disability under the National Assembly in the amount of 5,700,000 rubles. This is already 3.8 times more than in the "Option" policy with the same budget, which we discussed above.


    You can download the draft accident insurance policy "Risk Control".

    3.3 Extended NS insurance

    Extended insurance from NS implies insurance against events resulting from an accident, as well as against fatal diseases.

    In these contracts, insurance companies often mandate the risk of “death by any reason ”, which increases the cost of such policies. An example of such a contract is the policy "".

    A mandatory element of this policy is the risk of death for any reason. Additionally, a person can add protection against death and disability due to an accident to the policy, as well as protection against fatal diseases.

    If a person is diagnosed with a fatal disease, then the person will receive a payment under the policy. The everyday meaning is very simple - in such cases, the family urgently needs a large sum to pay for the necessary therapy or surgery. And probably - this will help to defeat the disease in the embryo, and preserve the health of a loved one.

    Also, if desired, a person can add to his policy the risk of injury as a result of an accident, and hospitalization as a result of an accident. In fact, a policy is a constructor, where a person adds additional risks of his choice to the main risk, forming an optimal contract.

    The ABC of protection policy can be opened for a period from 1 to 30 years. If the policy is open for several years, then after its opening, the annual fee will be constant for the entire duration of the policy - despite the fact that the person gets older and the risk of his leaving their life increases. Therefore, the longer the policy, the higher the annual premium will be with the same level of protection.

    The main properties of the contract are presented in the table:

    3.3 Comparison of insurance options

    So, we have reviewed a box policy of insurance from HC, an insurance policy from HC with an analysis of the level of risk, as well as an extended insurance policy from HC and deadly diseases.

    A more practical option would be the policy, where the cost of the contract depends on the age, state of health, profession of the person. Before issuing such a policy, the consultant is obliged to ask you similar questions.

    What remains is an insurance policy from the NS with an analysis of the level of risk, or an extended policy from the NS. The second option protects against death for any reason, and, if desired, against deadly diseases.

    Which to choose?

    Imagine that you have built a house and surrounded it with a fence on only three sides:


    Will this give your home security? Only partially. To ensure complete security, you need to close the entire perimeter.

    Let's go back to the goal we are trying to achieve with accident insurance. We understand that the National Assembly can harm the ability to work, which means it will take away the ability of a person to work and deprive him of income.

    The loss of this income will hit the financial situation of the family. And the task of the policy is to return to the family income that may be lost as a result of an accident.

    But think about it - death, as the maximum harm to the working capacity of a working family member, will also cause the greatest financial damage to this family. Should the breadwinner be protected from death? Of course, yes.

    The problem is that death does not come only as a result of an accident. It can be a consequence of a heart attack, for example. But to the financial interests of the family, she will inflict the same huge damage as death according to the National Assembly.

    And if we strive to fully protect our family from financial problems, then in the composition of the policy we definitely need protection from death for any reason. This means that financial security will only be given to loved ones by an extended policy from the National Assembly.

    Download PDF overview available solutions life insurance -
    to make the right choice:

    And it would seem that the choice is clear, and the article is close to completion. However, the key question remains open - the answer to which leads to unexpected conclusions.

    4. What level of protection do you need

    It makes no sense to build a fence half a meter high around your house. Such a fence is easy to step over, so it will not be able to defend against enemies.

    If we are talking about the financial protection of the family, then its level should be adequate to the threat. In a critical case, when the breadwinner dies, the family must have enough money to survive and achieve their most important life goals.

    Based on this formulation of the problem, it is easy to calculate the amount of death protection you need:

    • Remaining amount of loans
    • An annuity to provide for a family for a long time,
    • Foundations for higher education children -

    For an express assessment of the level of life insurance that a person needs, an amount equal to 10 of his annual income can be used. In other words, it can be roughly assumed that life insurance for a breadwinner in the amount of 120 of his salaries will provide the family with the necessary level of financial security.

    If a 35-year-old man earns 2,000 USD per month, then he needs protection from death for any reason in the amount of:

    10 * 12 * 2000 = 240.000 USD

    A few words about the term of the policy. If a person has small children, then the breadwinner needs protection until the age of 25 youngest child... Probably, by this age the child will be able to live independently.

    Moreover, if the required insurance period is decades, then it is reasonable to use it. It will cost a little more than term insurance - but at the same time it is guaranteed to create an inheritance equal to the amount of insurance coverage.

    However, since Russian companies do not offer life insurance, in this article we will analyze term insurance.

    Policy "ABC of Protection" for 25 years, with coverage 240,000 USD - for a 35-year-old man it will cost 3,697.49 USD per year, you can download the project. However, for our client it will be very expensive, because the contribution will be more than 15% of his annual income.

    What to do? If you reduce the contribution to a person's feasible 500 USD per year, then the level of protection will drop significantly. And insurance will become so scarce that the family will not be protected. This "fence" is half a meter high.

    And if our 35-year-old man uses Unilife, then for a policy with protection of 240,000 USD against death for any reason for 25 years, the annual fee will be 488.40 USD per year. You can download the draft contract. This contract will fully ensure the financial security of the family.

    However, an important fact should be noted here. Urgent and Unilife insurance, protecting a person from death for any reason - does not insure against an accident. In other words, in case of injuries or hospitalization as a result of an accident, this policy does not provide for payments.

    So what happens: does the article on accident insurance lead the reader to the conclusion about the advisability of using a life insurance policy, in which No insurance from NS?

    5. Transfer and retention of risk

    Let me briefly describe the reasoning behind this article. An accident leads to a loss of income, since it deprives a person of working and earning money.

    The maximum financial loss to the family is caused by the death of the breadwinner. Therefore, creating protection - the family first of all needs to be protected from this risk. Unfortunately, death happens not only from accidents, but also from illness. And in order to fully protect the family, it is necessary to protect the family from the death of the breadwinner by any reason.

    However, we cannot use Russian policies to protect the breadwinner from death for any reason. Because, due to the high tariffs, the contribution with the required level of protection becomes unbearable for the family.

    This means that the only way to ensure the proper level of family financial security is to use life insurance to protect the breadwinner.

    However, overseas contracts do not protect against personal injury, hospitalization, and disability due to accident and illness. Why? Because it is difficult for foreign companies that do not have offices in Russia to administer insurance payments for these risks.

    It is much easier for them to make sure of the death of the insured person. Therefore, in foreign companies, death can be insured, but other consequences of an accident cannot.

    And thus the Russian faces a choice:

    • either to be protected from death for any reason for a high amount in a foreign company, and at the same time do not have accident insurance, or
    • open a Russian policy that will protect against death for any reason, and from fatal diseases, and from all the consequences of an accident: injury, disability, hospitalization as a result of an accident.

    Unfortunately, the second option is similar to building an elbow-high fence. Because in a Russian policy, with a contribution available to a person, the level of insurance coverage will be scanty.

    For example, if we protect our 35-year-old conditional client with the "ABC of Protection" policy with an annual contribution of 500 USD for all the above risks for 25 years, then the payment in case of death for any reason will be 21,000 USD. Total! You can download the project.

    This is less than 10% of the protection it needs. Of course, such a policy absolutely does not ensure the financial security of the family, either in death or in disability. The question is: why is he even needed then?

    At the same time, by opening a foreign policy with the same budget, a person will fully protect his family in case of his death. He will solve this problem completely, with an affordable budget.

    In insurance, the terms transfer and retention of risk are used. Risk transfer is the transfer of risk to the insurance company. The company assumes the risk, and for this the person pays a premium to the insurer.

    Retention of risk on oneself is a situation when a person realizes that financial losses are possible as a result of uncontrollable events. However, he deliberately leaves this risk to himself, without transferring it to the insurance company.

    What is a sensible strategy for dealing with risk?

    The most severe risks, such as death, must be transferred to the insurance company. Less serious risks, for example, injury as a result of NS, can be completely left to yourself. For this, you can use "self-insurance".

    "Self-insurance" is the creation of your own to cover those possible losses that will not be very large. For example, having the necessary funds - the family will be able to pay the costs associated with injury or hospitalization.

    And therefore, the risks that you can cope with on your own: injury, hospitalization, temporary disability - it is quite possible to leave on yourself by creating the necessary funds.


    And from an everyday point of view, it is much easier for us to leave NOT fatal risks to ourselves. You will not need to pay for insurance, waste time collecting documents and receiving payments if the event does occur. We can easily pay for them at our own expense.

    This means that there is no problem that foreign insurance companies, while providing high protection against death for any reason, do not protect Russians from accidents.

    However, in addition to death, among the fatal risks there are also fatal diseases and disability. What to do with them?

    To protect against deadly diseases, you can use it - it is available in many Russian companies. As for the protection from disability, unfortunately, in the current Russian realities, there is no full-fledged protection against this risk.

    You can protect yourself from disability only by accident. And then, with an acceptable budget, you will get enough high level protection.

    However, disability can also occur due to illness. There are no solutions to protect against this risk. Foreign companies do not insure the risk of disability for Russians. And therefore - either we are only partially protected from this risk, or - against our will, we leave it to ourselves.

    Thus, the strategy for protecting against fatal risks is as follows:


    And finally

    This article is about accident insurance - and the very idea of ​​such protection looks pretty. However, delving deeper into the topic, we understand that the primary task of the family is to protect the breadwinner from death for any reason, and only then from accidents.

    In addition, on thoughtful reflection, it turns out that insuring the majority of accidents is not very necessary. If the size of the probable losses is not very large, the family may well use self-insurance. Having created the necessary cash fund to cover possible losses, she calmly leaves the risk to herself.

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

    Unfortunately, there is currently no viable solution to protect against disability. You can only partially protect yourself from this risk, or leave it on yourself. A solution from Best Doctors is available to protect against critical illness.

    As for the risk of dying for any reason, life insurance in foreign companies will be the optimal protection against this risk.

    Vladimir Avdenin,
    Financial Consultant

    What is accident and illness insurance?

    Accident and illness insurance is a voluntary type of personal insurance.

    In case of temporary incapacity for work payment is made in the format "% of the sum insured for each day of incapacity for work." At the same time, the insurance rules of most companies limit the maximum number of days of incapacity for work covered by the NA policy. For example, in RESO-Garantia, this period is limited to 100 days.

    In case of disability (permanent incapacity for work) the amount of the payment depends on the assigned disability group. Group I - 100%, Group II - 75%, Group III - 50%.

    When death comes the insured company pays the full amount of the sum insured. This amount is received by the Beneficiary specified in the insurance contract.

    What are the grounds for refusing to pay?

    Of course, HC insurance has its own exceptions from insurance coverage, when the insurer refuses to pay compensation. Such cases include:

    accidents as a result of being under the influence of alcohol and / or drugs,

    suicide or attempted suicide,

    injuries sustained due to unlawful actions of the insured person,

    deliberate harm to health,

    taking medications without a doctor's prescription,

    hostilities,

    participation in sports events, competitions, training.

    Life and health natural person in the event of an accident, illness, disability or death. The beneficiary can be either the Bank or another person designated by the insured.

    Insured events

    • Death of the insured person (borrower) as a result of an accident or illness
    • Loss of capacity for work by the insured person (borrower) and the establishment of a disability group I or II as a result of an accident or illness
    • Temporary disability

    New services

    • Remote medical consultation
    • Secondary distance medical opinion

    Tariff for connecting to the insurance program

    Voluntary life and health insurance of the borrower - 2.4% per year

    Voluntary insurance of life, health and in connection with involuntary loss of work - 3.6% per year

    Voluntary life insurance and in case of diagnosis of a critical illness - 3.6%.

    Voluntary life and health insurance of an individual with a choice of parameters - 2.6% per year

    The program is carried out in partnership with IC Sberbank Life Insurance LLC (Central Bank SZh license No. 3692 dated 04.07.2016, SL No. 3692 dated 04.07.2016. Address: 121170, Moscow, Poklonnaya st., 3, building 1).

    The client has the right to purchase protection from any insurance company.

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