Insurance policy ns. Accident insurance: making the right choice

The main purpose of such insurance is to help overcome financial difficulties associated with partial or complete loss of ability to work. Companies engaged in this type of activity provide financial support to the client himself, as well as, if necessary, his immediate relatives.

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Types of insurance against illnesses and accidents

Insurance comes in two forms:

1. On personal initiative.
2. As part of a group expression of will.

In the first case, the Policyholder insures himself or another person on his own initiative, paying all premiums independently. And in the second, the organization pays the money and insures its employees. The contract may last a full day, or may be limited to the work schedule.

This type of relationship is resorted to by companies that are conscientiously socially responsible or organizations with an increased risk of injuries and dangers. The group nature of insurance provides powerful support to the employee in the event of an illness or accident, and allows the company to reduce the cost of payments.

It should be noted that collective rates are significantly lower than personal rates.

Insurance cases

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1. Receiving damage to health as a result of an accident - dislocations of joints, fractures of bones or bone apparatus, various types of wounds, burns, etc.
2. Poisoning with chemicals or plants (salmonellosis bacteria, dysentery and other types of toxic poisoning are not included).
3. Tick-borne encephalitis or polio infection.
4. Pregnancy outside the womb or childbirth of a pathological nature leading to loss of reproductive capacity in women.
5. Fatal outcome from the above listed insured events, as well as from suffocation due to the entry of a foreign body into the respiratory system, excessive cooling or due to the onset of anaphylactic shock.

From the list you can see that insurance companies have protected themselves as much as possible from fraudsters, but there are still people who moderately cause injuries or other damage to themselves in order to receive payments.

In order to bring such people to light, if necessary, the organization has every right to conduct its own investigation of the situation, after which a verdict on insurance payment is made. Those who were in any type of intoxication at the time of the insured event will not receive the amount.

For whom is this type of insurance mandatory?

There are 2 types of accident insurance:

1. Mandatory type.
2. Voluntary.

Who is subject to compulsory insurance:

• military;
• law enforcement and court officials;
• emergency workers and many other high-risk categories;

Upon the occurrence of an insured event, payments can be one-time or monthly as a benefit due to temporary disability or to help pay for funds intended for the rehabilitation of the insured.

Funds are contributed from the Social Insurance Fund of the Russian Federation, and the tariff depends on the category of the victim, his regional location and is established by legislative acts of the Russian Federation. Payments are made in connection with the loss of ability to work, temporary or full, as well as due to the death of the victim.

Voluntary insurance implies an independent choice of an insurance company, the amount of insurance, the duration of the contract and a list of risks that the client wants to cover. The conclusion of an agreement is made on the basis of an application, and not in accordance with a legal requirement.

Insurance period and tariff schedule

Dates:

1. 24-hour insurance.
2. For the period of the working day and the time spent on transfer from home to work and back.
3. Only for working hours.
4. For a specific period of time (for example, during a workout).

An insurance contract can be concluded for a period from one day to several years. For individual insurance, the most popular term is 1 year. In the Russian Federation, the practice of concluding this type of relationship for life is not yet sufficiently developed.

The period from which the insurance begins to be in force is indicated in the document; traditionally, this is the next day after payment of the premium - its amount ranges from 0.12 to 10% of the insurance amount.

The percentage depends on the list of risks. It is possible to include support in the list within 24 hours, anywhere on planet Earth, whether a person is at home, on a trip or in training.

In cases where an insured event occurs simultaneously in two categories, payments are made for each separately in full.

This is the first option for issuing a policy, but there is also a second, less expensive option - it is issued for a specific period and is most often initiated by companies seeking to reduce their financial liability to a minimum. Incidents that occur outside of the time limit or outside the insurance coverage area are not eligible for payment.

Tariff fee schedule

The amount insured is the main subject of the contract. The policyholder can determine it for himself individually, depending on his desires and means.

The tariff is set by the organization and it depends on the list of included risks - the more points, the larger the contribution. Usually it is no more than 10% of the insurance amount.

Factors influencing the amount of contribution:

1. Client's professional activity– the more risky the work, the higher the tariff.
2. Lifestyle and hobbies. For example, a person likes to travel to exotic countries or is interested in a dangerous extreme sporting activity, this also raises the ante.
3. Age category of citizen– the percentage is higher for the elderly and children.
4. Gender– in men after they reach 40 years of age, the risks increase.
5. Depending on the state of the client’s health. For people with serious illnesses, the percentage is higher.
6. History of insurance. It must be flawless. The more accurately the payment of deductions is made, the greater the likelihood of receiving a discount from the company; in addition, it looks at how much a person takes care of himself and does not get involved in risky activities.
7. Number of people willing to insure themselves– rates are lower for package offers.
8. Terms of cooperation– to its regular customers, upon expiration of the insurance period with subsequent repeated or extended conclusion of the contract. In such situations, organizations provide discounts as a percentage of the contribution amount.
9. List of risks specified in the document– the more, the higher the cost of the policy.
10. You can pay contributions using three schemes– one-time, annually, after a quarter or monthly.

Before concluding an agreement, you should carefully read the agreement, preferably in the presence of a legally competent person, and discuss all the nuances.

Registration of an insurance policy

It is best to contact a company that has been engaged in this activity for many years, which has an impressive base and a good reputation.

You can specify any amount not exceeding RUB 3,000,000. in currency - rubles, US dollars or the single European currency. Payments are made within 10 days from the date of delivery of the required package of documents in the event of an insured event.

You can draw up a contract by contacting the insurance company in person.

What to do for this:

1. Provide a document confirming your identity.
2. Write a statement to the insurance company.
3. If necessary, provide documents that characterize the occupation, health status and lifestyle of the client and the persons included in the contract.
4. Make a list of risks to be insured.
5. Determine the amount of insurance.
6. Calculate the insurance premium and its payment scheme.
7. Pay.

If a person is in a high-risk area, then the organization has the right to request additional documents, the same applies when the insurance amount is several million.

The client must also meet some requirements:

1. Be between 18 and 65 years of age.
2. Do not have serious illnesses.
3. Disability of groups I and II excludes the possibility of insurance.

We receive payments

To obtain insurance, the organization must provide the following documents:

1. Policy.
2. Passport or other identification document.
3. A completed application form for the occurrence of an insured event.
4. A reference base confirming the nature of the damage caused from the institution providing medical care or treating the victim.
5. Certificate of form N-1 in case of an incident at the workplace or another document confirming the circumstances of the situation.
6. A document from the authorized official body in case of an accident establishing the fact of the accident and its nuances. If, as a result, the victim acquired a disability group, then it is necessary to provide copies of the outpatient treatment card, the medical history and documents proving the relationship between the occurrence of the insured event and the assignment of disability.

In cases where the client died as a result of NS, the following documents must be brought:

1. Original or notarized copy of the death certificate.
2. Identity card of the heir - beneficiary.
3. An act containing information about the causes of death of the insured.
4. Certificate of right to inheritance certified by a notary office.

The investigation into the circumstances of the death may require the opinion of medical experts.

After submitting a package of documents, payments must be made within 10 days.

Pros and cons of insurance

Collective insurance

Positive sides:

1. The number of claims is reduced or they are paid by insurance.
2. Allows you to cover losses for an employee who is temporarily disabled or has completely lost this ability.
3. Covers part of the compensation in the event of the death of an employee (payments are made to the heir - the beneficiary).
4. Helps improve the quality of medical care.
5. Due to the improvement in the quality of health of employees, their productivity increases.
6. Adds prestige to the company.
7. Good tax benefits.
8. Financial responsibility is transferred to the insurance company.

Minuses:

1. It is difficult to select a specific category of persons to be insured. We have to insure everyone, which increases expenses.
2. Many people have superstitions about this type of insurance. Insurance is not relevant for single people in the event of their death - they have no interest in the beneficiaries.

Individual insurance

Advantages:

1. Providing financial assistance in difficult life situations.
2. Covering expenses spent on treatment or rehabilitation.
3. In case of temporary or permanent disability, regular payments are made. This allows you to adapt during the first difficult times.
4. Increasing the credit limit.
5. Financial compensation in the event of the death of the insured.

Minuses:

1. The need for regular contributions.
2. In controversial cases, it is necessary to collect documents confirming the occurrence of an insured event.
3. The investigation may take longer than expected.
4. High tariffs for children and elderly people.

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

Almost all children, due to their mobility, receive a lot of injuries. Of course, in most cases they are minor and do not require the involvement of doctors. But if something serious happens that requires surgical intervention or expensive treatment, parents are required to fully pay the cost of all services provided.

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Not every family has high material income; in this case, an insurance program for a child will significantly reduce 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 adulthood. As a rule, 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 contributions until the occurrence of an insured event.

They can also choose the most dangerous period for their child, this could be: a trip to a camp during the summer holidays, sports competitions, travel abroad, a period of study.

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

1. Disability resulting from an accident.
2. Inability of a child to work 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 disorders as a result of an accident.
4. Lethal outcome (death) as a result of an accident.

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

1. Children suffering from 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 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 concluding the contract, it becomes necessary to pay monthly insurance premiums until 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 full payment of the agreed amount when the moment of inevitability occurs.

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 any deductible.

Franchise─ This application minimum damage health baby from unfortunate case. All these circumstances must be fixed in the contract.

What programs are there?

Insurance institutions, as a rule, are based on two main programs for insuring children against accidents.

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

Collective insurance. Unfortunately, children often get injured while on vacation at a children's health camp. During this period, the risk of children receiving herbs increases significantly. For example, subsequently a traffic accident, as well as mass poisonings and insect bites. This program provides collective 24-hour insurance for the entire year and allows travel abroad.

Collective insurance for classes in sports sections. This program is the most common, since the risk of getting herbs during sports is very high. It is intended for children athletes aged from three to seventeen years, valid on the territory of the Russian Federation, around the clock for twelve months.

Endowment insurance. Today, such programs are relevant and popular. They not only guarantee a cash payment in case of an insured event, but also allow you to accumulate a certain amount by the time specified in the contract. Often this is the child’s coming of age or the moment of graduation from 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 policy costs and payouts.

"UralSib"

The company provides a program for children and an anti-mite program. They include payment for emergency surgery, ambulance services both at home and in a medical facility, 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 can choose the period for insuring their child. The cost of a policy for a period of 12 months is 845 rubles, and includes all possible risks.

"Rosgosstrakh"

This company offers a number of programs for insurance of a child against accidents.

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

The cost of child poles varies from 200 to 500 rubles. But it is important to note that the wider the range of services, the higher the price. A full comprehensive service will cost approx. 7 thousand per year.

"Sogaz"

The insurance institution offers several types of children's 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 your policy

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

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

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. Agreement with an insurance company;
2. Documents that indicate the occurrence of an insured event: death certificate, certificate confirming the presence of injury, medical report on assigned disability, extracts of their medical records.
3. Insurance houses have the right to request additional documents to prove the accident.

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

Chance, accident - always unexpected and, as a rule, at the wrong moment. It is impossible to insure against an incident, but you can at least partially compensate for its consequences. Of course, insurance will not compensate for lost nerves and moral turmoil, but it will provide payment with money that can be spent, for example, on treatment or simply spent while you are “on sick leave” and not working. After all, the employer in such a situation, as a rule, will only offer payment for sick leave, and this is much less than your usual salary. You can buy accident insurance right now. Registration and payment of insurance takes place online, and you receive an email with your insurance. This will be the most modern type of insurance - an electronic policy

How insurance works

If an injury results from an accident, monetary compensation will be paid depending on the damage sustained. The largest payments occur upon the onset of disability, and in the event of death, the payment is 100% of the insured amount.

For example, if you are insured against an accident for 500,000 rubles, then in case of a broken wrist bone we will pay you 15,000 rubles, and in case of a third-degree skin burn with an area of ​​6 sq.cm. — 25,000 rubles, or if the policy was issued with the risk of “Temporary disability”, and you were on sick leave for 30 days due to an injury, we will pay you 15,000 rubles.

Who can be insured

Yourself or a child, or even a group of children, for example, for a trip to a summer camp or to a sports competition.

How much can you insure?

Depending on the option you choose, you can insure against the consequences of an accident for an amount from 100,000 to 650,000 rubles.

Additional features

The insurance coverage can be extended to cover accidents that occur during active recreation or participation in mass sports at the amateur level.

Leisure— this is insurance for the consequences of an accident that occurs during active recreation: sports games (football, volleyball, tennis, bowling, etc.), visiting water attractions and water parks, riding boats and catamarans, as well as mopeds and scooters.

Mass sports— this is insurance for the consequences of an accident that occurs while playing sports at the amateur level.

Consequences of a tick bite— this is insurance for the consequences of an encephalitis tick bite and diseases resulting from such a bite.

Insurance period

Depending on the option you choose, accident insurance will be valid for 3, 6 or 12 months.

Insurance exclusions

The policyholder cannot be:

• foreign citizen;
• a stateless person;
• entity;
• individual entrepreneur;

The following persons are accepted for insurance, subject to written notification of the Insurer about the relevant circumstances:

• Foreign citizens;
• persons under the age of 3 and over 64 years of age;
• persons with established disability group I or II, who are assigned the category “disabled child” or have been referred to undergo a state medical and social examination;
• persons serving in the armed forces;
• persons in prison;
• persons with the following diseases and (or) related conditions: HIV and AIDS, and diseases associated with these diseases, alcoholism, drug addiction, diseases of the nervous system (paralysis, epilepsy, temporary loss of consciousness, seizures), persons registered in a narcological, psychoneurological dispensary;
• persons suffering from benign or malignant brain tumors, diseases of bone tissue (osteoporosis, osteomyelitis, benign or malignant bone tumors, including metastases of other tumors in the bones).

Events that occur as a result of:

• driving vehicles of categories “A”, “M” with an engine displacement of more than 50 cubic cm;
• practicing the following sports: aviation sports, flights on non-motorized aircraft (for example, hang gliders, paragliders), parachuting, mountaineering, all types of alpine skiing and water skiing, all types of watermotor, motorcycle and motor sports, extreme types of cycling (for example, trial ), diving, speleology, as well as activities in mass sports not covered by the Insurance Agreement (Policy);
• professional sports

Accident insurance is the main means of supporting the insured person and/or his loved ones in the event of certain circumstances occurring. It is issued on a voluntary basis, taking into account the level of income and exposure to professional risks. Types of policies - collective, individual, family, children's, sports and tourism. Accident insurance will be discussed in the article.

Definition

Individual insurance

Individual policies can be issued in the following forms:

1. Full insurance– it applies to all periods of a person’s professional and private life during the validity of the contract.
2. Partial insurance– the guarantee of payment of compensation is given only for a certain period (for example, during a tourist trip abroad).
3. – issued as an addition to package and combined policies if they do not provide protection for the required risks.

Individual accident insurance is the most popular type of packages voluntarily issued by the insurance company.

Group (collective) – insurance of workers against accidents at work

Corporate or collective insurance of employees is within the area of ​​social responsibility of the organization. It is usually issued only by large companies that provide it to their employees and are interested in maintaining a certain level of prestige. Also, the presence of such policies is necessary if the professional field of activity of employees is associated with significant risks.

Almost all modern hazardous industries issue collective accident protection policies for their employees.

Group insurance guarantees financial support to the employee and his family in the event of temporary or complete loss of ability to work. Tariffs for collective policies are always lower than for individual ones.

Family

This type of policy applies to all family members at once. Its presence guarantees you and your loved ones the maximum level of safety and payment of monetary compensation in the event of an insured event in full. The main ones are death, serious injuries and disfigurement. An unlimited number of relatives aged 1-70 years can be insured under one policy.

Family accident insurance is one policy for the whole family.

Children's – life and health insurance of the child

Child insurance is necessary for your children, regardless of their age, and for you personally. It guarantees full compensation for the costs of restoring the health of a child who has suffered as a result of an accident. At the time of concluding the contract, he must be between 1 and 17 years old.

Insurance coverage under a children's policy is valid 24 hours a day or during a stay in a preschool educational institution or school.

Child protection includes dislocations, fractures, damage to internal organs and soft tissues, poisoning, burns and other consequences of an accident, including death. The policy can be issued for any period - for a year for permanent protection or for 10 days during a trip to the camp.

Sports – how to insure a person against accidents in sports

A voluntary insurance policy against accidents is also necessary for every professional athlete, since it will save time, money and effort when an insured event occurs (and since this area belongs to areas of increased injury risk, it will definitely occur sooner or later). It covers all types of injuries, disability, and death as a result of sports activities. Validity period – from 1 day to a year.

Taking out a policy for one year is the most economical offer for athletes. Insurance can also be provided for any other period - for example, during sports training.

Personal travel insurance in case of death

Most package tours abroad already include insurance, but it would be better to check this point.

Features of voluntary accident insurance contracts

To obtain insurance against accidents, you will need to contact the insurance company with your passport and write an application. Be sure to check the information about the restrictions on the policy - it may apply to the age, state of health of the applicant, and the list of insured events. Validity periods may also vary:

• while at work;
• around the clock;
• while at school or children's sections.

The duration of the policy is from one day. Most often, insurance is issued for one year, but this does not mean that you cannot choose any other option.

Insureds who plan to enter into a contract for a million dollar amount may be required by the insurance company to present additional documents other than a passport. This mainly concerns corporate clients.

The effective date of the policy is specified in the contract, usually the insurance begins to operate on the next day after payment of premiums. The contribution for a voluntary policy is 0.12-10% and is determined individually taking into account the set of risks. E

If, as a result of an accident, several events specified in the contract occur at once, payments will be made for each separately.

All insured events covered by the contract must be clearly stated. The main options, as we wrote above, are temporary incapacity, disability and death. Compensation can be provided in the following forms:

• in cash or by bank transfer as the full insured amount, its part (the amount is specified in the contract);
• insurance benefit;
• pension;
• daily remuneration.

The form of payments is also prescribed in the contract and takes into account the nature of the consequences of the injury. So, in the event of death, compensation is provided one-time, and in the event of disability, additional compensation is provided.

Video

conclusions

From accidents is the main way of protection in case of complete or temporary loss of performance or death. Insurance is taken out in the insurance company, it can be individual, group, children's, sports, tourist, family. The cost of the policy depends on the width of coverage.

The life insurance market is actively developing in Russia. If just a few years ago it was possible to insure your own well-being in separate companies, now such insurance has finally and irrevocably entered our lives.

The insured person - depending on the chosen program - may not have to worry about his own well-being and the future of his family in the event of an emergency.

But which insurance should you choose – to insure yourself against an accident or against illness? After reading our material, you will learn about the main differences between the two policies mentioned above.

Unfortunately, there are indeed many situations that can lead to accidents in everyday life. That is why this type of insurance is popular.

It covers expenses in the event of a tragic set of circumstances, if it leads to disability or even death of the policy owner.

The main legal source of such insurance is the Federal Law “On Insurance in the Russian Federation”.

What does it cover?

Road accidents, work incidents and any other accidents. It is important to remember that the policy does not apply to situations in which the insured person is at fault (the rule familiar to holders of compulsory motor liability insurance applies - compensation is not paid to the culprit of an accident, even if he himself was injured), and to suicide.

What can the insured person count on?

The payment amount is negotiated at the stage of concluding the contract; it can be any within the boundaries with which a particular company operates.

In case of disability, insurance will provide:

• money for treatment;
• means to live if you can’t go to work.

If the accident results in death, the relatives specified in the policy receive compensation.

That is why breadwinners of families are often insured; insurance payment will become indispensable in the event of an emergency.

Features of health insurance

Illness is another risk that can lead to disability, disability, and even death. Insurance companies offer insurance in case of the onset of one or another (or several) illnesses.

Since there is compulsory health insurance in the Russian Federation, it covers basic medical expenses.

Its most important advantage is receiving one-time or regular payments to cover the lack of wages.

It is noteworthy that after the occurrence of an insured event, the insurer will require the insured person to undergo a medical examination - this will confirm the presence of a particular disease.

However, do not forget that you will have to visit a doctor before concluding a contract - this way the insurer will be able to make sure that the citizen does not have a predisposition to the disease or the first stages of the disease.

What diseases can you insure against?

Nowadays, insurers offer policies, as they say, for every taste. The list of diseases subject to insurance grows every year and is regularly reviewed. Naturally, the illness must be serious and carry potentially significant consequences.

Let's give an example: it is impossible to insure against colds (expenses for treatment are relatively small, sick leave is given at work), but it is possible to insure against pneumonia, which is sometimes a complication of diseases of the upper respiratory tract.

These days, the list of the main and most popular health policies looks like this:

• stroke;
• heart attack and other heart diseases;
• onset of blindness;
• infection with HIV and AIDS;
• the occurrence of renal failure;
• aortic diseases;
• the need for organ transplantation arises;
• multiple sclerosis;
• paralysis;
• treatment of coronary arteries;
• heart valve problems.

Insurance payments

With insurance payments upon the onset of illness, not everything is so clear; insurance companies offer several possible options for receiving funds.

These include payment of the entire amount, payment of insurance in installments, payment of assigned benefits or daily remuneration (only for the period when a person was declared incapacitated), as well as payment of additional pensions on a temporary or permanent basis in order to maintain health at the proper level (this occurs in Russia very rarely).

We remind you that the amount and frequency of payments are agreed upon directly at the conclusion of the contract. The insurance premium depends on what payments the insured person expects to receive in the event of an illness.

When is it not paid?

If an insured event occurs, then the policyholder is obliged to fulfill the terms of the contract, right? However, there are situations when the company is not required to pay. The basis for such a decision may be a violation of the agreement.

Here are some examples:

1. The illness of the insured person occurred as a result of a violation of the law.
2. The insured person self-inflicted injury.
3. The insured person intentionally violated the doctor's requirement.
4. The illness/injury occurred while under the influence of alcohol or drugs.

Who can get the policy?

On the one hand, the insurance contract is concluded by the company providing such services, on the other - by an individual or legal entity.

Most often, individual citizens apply for a policy, but large-scale agreements regarding all employees of a particular enterprise are not uncommon. Or, for example, a football team, students, and so on.

The law does not impose specific restrictions on insurance regarding the identity of the person wishing to purchase the policy. But legal practice allows insurance companies to deny coverage to some people if the policy is deemed too risky.

Programs

You have decided to take out a policy, and you have to choose one of the insurance programs.

Note that the applicant for the policy has the opportunity to insure himself, people close to him, choose the category of only occupational diseases, or (relevant for lenders) take out insurance for his borrowers, so as not to be left without funds if they are unable to repay the loan due to illness.

• Employee insurance

Another special program that brings benefits for the employer. The insured employee will receive all the necessary compensation if the company is found guilty of causing the disease.

• Borrower insurance

It has another undoubted advantage - in the event of illness, the obligation to repay the debt does not burden relatives.

Similarities and differences

We talked about the main features of each type of insurance in the Russian Federation and noted in what situations the policy may be useful.

We offer, as a kind of summary, a summary table that outlines the main differences between accident insurance and illness insurance. Be healthy!

Option	Health insurance	Accident insurance
Subject of insurance	Documented pathology doctor	Accident not due to the fault of the insured person
Insurance case	Diagnostics, revealed the disease	Hospitalization after an accident
Payments	Covers absence of ability to work	Covers lack of wages or loss of a breadwinner
Restrictions for the applicant	A medical examination is carried out; if there are the first stages of the disease or predisposition, the policy is not issued.	There are no restrictions, but applicants working in risky jobs will pay more for insurance.

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