Intense rhythm of life forces to takemeasures to compensate for the consequences of accidents, accidents and other incidents. After all, they are detrimental to life and health. Although many situations can not be prevented, but you can provide compensation for damages. Is it possible to insure life? This service is common today.
In many companies, you can insure life.Making the policy will create a stable financial reserve, which at any time will provide an opportunity to improve health. It is advisable to contact a proven company that offers favorable conditions for its customers.
The value of life and health insurance
Insure life and health is necessary for:
- guarantees of support for a decent life in different situations;
- providing a chance for children to study in prestigious educational institutions;
- confidence in the future.
Insurance is drawn up for a long period.Policies usually have a validity period of 3 to 5 years, but a maximum of 20 years. The document is valid around the clock, so assistance is always provided. In the event of an insured event, you must contact the company for compensation.
How to get insurance?
Companies offer different insurance methods:for material support in difficult situations, during treatment or for accumulation. To insure life and health, you need to select the appropriate company, contact the office, sign a contract. Naturally, this requires investments. But after all, when the insured event occurs, a lot of help will be provided.
Примером может быть накопительная программа от a large company "Ingosstrakh", drawn up for life. The advantage of such a policy is the transfer of a sum of money in inheritance. It turns out that you can bequeath to your relatives much more than you have to give the company. The money will be provided after the insured event.
What is written in the policy?
Документ оформляется по общепринятым правилам.It contains information about the parties to the transaction. It spells out the rights and obligations of the participants, as well as the terms of cooperation. Be sure to specify the risks for which the compensation laid.
The insurance contract indicates the period during which compensation is effective. Equally important are the information about the amount due for payments.
Features
If you insure life when the amount will bereceived entirely? The main risk is death from the period specified in the contract. You can pay for the inclusion in the document of the item, which involves exemption from regular payments for disability 1 or 2 groups. Then you need to pay fees, and the amount is still charged in full.
If you insure life, it appearsthe possibility of compensation for the costs of restoring the health of oneself and loved ones. The service also allows you to accumulate a certain amount that will allow you to maintain a decent life. You just need to know what you need to design this service.
Types of insurance
To insure life, several options for services may be offered:
- Risk option, which is not supposed to accumulate duringappointed term. The company is obliged to pay the amount marked in the contract if an insured event has occurred. If it does not exist, the service will expire and the funds will not be given to the client. The advantages of the risk option include a low cost, allowing it to be selected by applicants with low incomes.
- Savings insurance. By this method, payments are made in a fixed amount, even if there was no insured event. The contract is made for a specific period.
- Accumulative view. The policy will be valid indefinitely.The rest of the service is similar to the previous option. But there are differences, for example, investment income, - an increase in the insurance amount. This involves the payment of cash, the yield of which is 3-5%.
If a permanent contract is made, then it hasname of life. Compensation is due to relatives who are beneficiaries. But there is a right to terminate the document until the term specified in the contract, after which an amount with accrued income is issued. Such an order is made at the request of the client.
Accidents
An ordinary contract of this type is executed for a shorter period - for 1 year, if we compare it with the aforementioned cases involving financial protection for 5 years or more.
You can insure your life against an accident by the following protection options:
- full - it is carried out round the clock 7 days a week;
- partial - for a certain time, for example, at the time of vacation.
The insurance provided for a specific time is:
- renewable - the contract may be re-signed;
- convertible - there is the possibility of self-changing conditions;
- with decreasing coverage - the program is designed for older people who cannot regularly pay contributions.
Types of reimbursement
If you insure the life of a child or an adult, then compensation will be put. Their size depends on the size of the damage:
- Payments in full - death or disability.
- 10-20% of the payments recorded in the contract - with injury and temporary disability.
The amount of the sum insured is determined by the client. But it should be remembered that the higher the requests, the more you have to pay. The minimum installment is determined in the amount of not less than $ 10 each month.
Some companies offer preferential terms.in case of difficulties at the first stage, there is a delay, which can last from several days to 2 months. If it is not possible to deposit amounts regularly, then you can stop the contract with its subsequent renewal while improving financial condition.
Cost
Where to insure life depends on several factors. The value of investments is influenced by:
- age of the client;
- state of health;
- types of work;
- floor.
This separation is due to the fact thatlife expectancy for women is longer than for men. The more factors affect the insured event, the greater will be the amount that should be given to the company. Sberbank offers such services. Insure life is better after specifying the cost of services. On the websites of companies there is a calculator that will allow you to find out the amount of contributions online.
Amount order
The money will be paid depending on the conditions set by the organization when signing the policy. Payments may be charged:
- monthly;
- Every year;
- quarterly;
- at a time.
Чтобы узнать стоимость страхования жизни и health, you need to contact the company. It can be calculated by an online calculator. But accurate information can be obtained from experts. It is necessary to make payments in a timely manner, without violating the terms of the contract, otherwise it may lead to a refusal to pay.
How to determine if a person is insured?
It is important to determine where to insure life andhealth. This should be aware and relatives. But if after death it is not known whether such a service was issued, then you should look for a policy. It contains all the information.
If there is no document, then you need to know about it inlarge insurance companies. There is another option for verification - upon entry into the inheritance, the verification is carried out by a notary who will submit a request to the company and provide an answer. Only if the policy was issued, you can deal with the issue of compensation.
Select a company
Where can I insure life and health? There are more and more companies working in this direction. About them you can see and hear various advertisements. Popular firms include:
- Ingosstrakh.
- "Uralsib".
- Rosgosstrakh.
- SOGAZ.
- RESO-guarantee.
- AlfaStrakhovanie.
Where it is better to insure life and health dependsfrom the wishes of the client. It is important that the company was reliable, because it depends on whether there will be payments. Which insurance company to insure life is preferable to? It is advisable to focus on the rating of reliable firms.
Loss policy - what to do?
If you lose the policy you need to contact the companywhich issued this document. You need to have a passport and a medical card. You should write a statement stating the circumstances of the loss of the policy. Even if there is no card, it is not considered the reason for refusing to receive a new document.
Если оформлен документ корпоративного вида, надо find out the number of your insurance in the territorial clinic. You can also contact the health insurance fund. Receiving involves submitting an application with a description of the situation and the contract number. Then the lost policy will be canceled, after which a new one is written out.
Recovery procedure
To get a new policy, you need to go through the following steps:
- Choose an insurance company.
- Choose a program whose conditions are fully suitable.
- Calculate the cost of the document.
- Get a policy online or in a company.
- Pay a fee.
The executed document will be a protection against large financial losses that may be caused by accidents.
What does Sberbank offer?
Many Sberbank programs requirecompulsory insurance. For example, this applies to mortgages and car loans. Only you need to insure you need a property, and life and health insurance is a voluntary procedure. Nevertheless, employees recommend using this to protect themselves and loved ones from risks.
What risks are included in the policy at registrationInsurance in Sberbank? If the client insures life, then it is enough for him to contact any company providing such services. But you can issue a policy at the time of applying for a loan. Then the insurance will be issued at the office. The contract insures the life and health of the borrower, ensuring payment of debt in difficult situations. Risks include loss of ability to work and death.
Disability impliesthe occurrence of the disease, accidents, injuries, difficult circumstances. Each client can choose a program that is suitable for its parameters. Sberbank Insurance policies have the following conditions:
- Life, disability - 1.99% per year;
- Life, health, loss of employment - 2.99;
- Individual conditions - 2.5%.
The person specified in the contract may be a banking organization or a citizen. If the policy is issued in the bank, then the debt in the event of an insured event is paid according to the established conditions.
Debt repayment insurance policy
The insurance company pays the borrower's debt infull only in case of illness or in the event of an accident, if a person became disabled or died. Temporary disability for a specific period is not considered a basis for full payment of the debt. Then put the payment of one or more payments. To insurer took the obligations of the borrower, you must provide a document on the occurrence of the insured event.
When applying for a loan officer usuallyoffers to arrange insurance. If you do not want to purchase a policy, you do not need to be persuaded. This is a voluntary procedure, so the client must decide. But you can buy a policy, and then abandon it, and then the funds will return to the account.
Refusal of insurance provided by law.If you contact the company within 30 days after signing the contract, you can count on the transfer of the entire amount. If more than a month has passed, but not more than six months, then it will return to half. After 6 months, the amount will be small, and it may be a refusal.
If the loan is paid, but the insurance is stillvalid, the customer can receive contributions. He needs to submit an application where the details of interaction with the banking organization and the insurance company are given. Attached is a proof of payment of the debt.
How long does the policy work?
The document covers the term of the loan. But it can be issued for 1 year. After the expiration of its action will be an extension until full payment. Contributions can be listed in 2 formats:
- Pay separately.
- Include a loan.
The policy is canceled if:
- The client refuses it.
- There is an insurance case.
- The insurer cannot enter into an agreement with a client who has certain illnesses.
Insurance programs are beneficial for banksas companies take on borrowers obligations. But sometimes, for example, when obtaining a mortgage, the client must insure life. For a consumer loan it is not necessary to issue a policy. But for a mortgage, which is provided for many years, this service will be useful.
No credit insurance is the desireperson Some choose this service, protecting themselves and loved ones from various situations, while others believe that they can do without it. Before you make a policy, you need to familiarize yourself with the terms of cooperation with the company, and only then make a deal.
You can apply for an insurance policy in any company. Before you do this, you should ensure its reliability. After all, only then will financial compensation for risks be paid.
