Not a single person can be one hundred percent sure of the future, because an accident does not ask when and where it will appear. Social and economic protection of a person can be provided by insurance. How to properly insure your health and life?
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First of all, you need to understand what kind of life insurance you need, what exactly the person wants to insure. At the same time, the boundaries of the desired are very large - the fall of an icicle on the head or the End of the World. It is worth remembering that you can insure not only yourself completely, but also partially: hands for one amount, head or legs for another.
Choosing an insurance company
After a person has decided what he intends to insure, it is necessary to start choosing an insurance company. At the moment, there are several hundred such organizations in Russia, but experts recommend opting for a large one, proven not only by time, but also by various crises, and there are only a few dozen of them in the country. To decide on one organization, you can read reviews on special resources or forums. When out of a dozen only a couple or a little more companies remain, then you need to move on to those that suit you according to the tariff plan and insurance conditions.
Nuances in the contract
When a reliable insurance company is selected, the person is completely satisfied with the reviews about it, you can visit the office of this organization for a discussion on the points of health or life insurance. It is worth paying attention to the insured events that are spelled out in the contract, since the conditions for payment of insurance or its complete absence depend on this.
For example, a person has insured himself against a spinal fracture, and the company clearly indicated in the contract that he is prohibited from riding a motorcycle. In this case, the payment will not be made. There can be a lot of such restrictions, so even a tariff that is attractive at first glance will turn out to be completely useless for the client.
There are several other insurance options. One of them is cumulative. It provides for the payment of contributions over several years. When the time of the contract comes to an end, the person receives the money back with an agreed percentage. Outwardly, it looks like a certain bank deposit, but if an insured event occurs during the accumulation period or a person dies, then the one who took out the insurance receives the entire amount in full. For example, the insurance was for 500 thousand rubles, and the client paid only 5 thousand. All 500 thousand will be paid immediately.
This type of insurance is very popular, where the insurance company must pay money to the heirs after the death of the insured person. Therefore, the payment is given to relatives, because the insured person will no longer need it.
In order to conclude an agreement, you will need to spend time on a very important procedure - filling in personal data. Most often, it is the questionnaire that plays an important role in making a positive decision about insurance and choosing an insurance rate. In the questionnaire, you must indicate information about the state of health in the smallest detail. It is recommended not to hide anything here, since the contract often contains a clause stating that the insurance company will not make a payment if the client has deliberately provided false data.
Each individual insurance company gives specific instructions on what documents are required to obtain insurance. In any case, you will need a passport. If you need to insure a child, friend or relative, then in addition to the passport, you need a birth certificate of the child and data from the passport of an adult.