And today we will talk about such a tool Insurance. Why get life insurance? For example, why get your health insurance? Many people ask this question. And in general, what options to consider for property insurance, as well as other risks, including, for example, yours There is responsibility.
Insurance mechanism
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Insurance mechanism |
It covers damages. Also, in material form, they exist in form Some unfavorable conditions. For example, you are in an accident. Or you have a broken leg, or you are sick. Or, accordingly, your property was damaged. There are several insurance options.
2) How do you insure anything?
To insure yourself, your property, your health, and your Liability, you need to have an insurance contract. With the insurance company. Naturally, such a contract is paid. I remember once a student in a class, I was doing a master class, And asked the question.
3) what kind of insurance do you have to pay?
I say: “Of course, you have to pay. This is a paid service. And there are certain insurance companies that are doing." So, so that you do not insure, naturally is a special thing. The amount, the compensation you pay to the insurer. Companies But, at the same time, with everything, paying some small reward Insurance company, you get the chance, In case of major damages, compensation to you These quantities.
4) What is the amount of insurance premium determined?
And this reward is called an insurance premium. You pay it to the insurance company. And it depends on two factors. The amount for which you are insured is, in fact, For example, your property, or yourself. And of course on the possibility of certain events happening. If your home is located in an earthquake-prone area, or, for example, in an area subject to frequent flooding, Yes?
Somewhere by the river, where it splashes. Then, in this situation, the insurance will be more expensive. If, for example, you are crocheting, get insurance. Your health will be cheap. But, if you're skydiving, of course, there's the possibility. The fact is that something will happen to you. So, very clearly depends on the insurance premium What sport do you play yourself, for example, When it comes to health. And where, for example, if we are talking about property, where is it? Situated which zone itself. And of course about responsibility. As for you, with credit risk, by the way, Accumulated date.
For example, you have a car. And you ensure your civic responsibility. If, you have been in an accident many times before, of course Similarly, the next insurance will be more expensive. Same thing here. Such an overall result. That is, the higher the insurance premium, the more likely the Presence of certain risks. Now you know what the insurance premium depends on. And you can already negotiate openly. About the availability of insurance with the insurance company.
Property insurance
Usually, some tangible assets, maybe even Insurance seems more logical. After all, if your house burns down, there won't be just one house left. Yes?
And after all, to restore it, we need quite a lot of Quantities And, of course, if we are talking about a car, then the most Only OSAGO insures. And the car itself, the damage it will cause you. If so, you don't have insurance. Civil liability only. So that's why, and usually, in the case of what you can insure. Your property? Of course, the first type of flood is this Burglary, it could be a break-in, right? This loss caused by third parties is also insured.
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| Property insurance |
For example, only by fire, or only by flood, Or just something specific. That is, it turns out that in the complex - it will be cheap The same happens if you, for example, for a car Take OSAGO and CASCO at the same time. Then in the complex, you will have a chance. Get the Best price from the insurance company. And still, get insurance. After all, the fact that insurance gives you so much, Psychological stability. If something happens, you always know what happens. You have insurance. And she covers your expenses. We don't have health insurance at all, do we? And those who have, at least, the so-called CHI,.
Difference Between CHI and VHI in Health Insurance
Use the usual free, virtual, services. And those with VHI are mostly working citizens. They already use insurance services. And they can clearly see the difference between services, which are provided under the mandatory policy, Medical insurance. And under the policy which is offered as part of the policy of excess. Medical insurance. And here, I think many people can compare these services, which they can get as part of compulsory. Medical insurance. And additionally, as part of medical insurance.
Whole life insurance
Moreover, there is a special type of health insurance. Deposit insurance. This is not at all common with us. It is more common in the West. It is also very popular in America. Endowment insurance is the whole point of insurance. If something happens to you Your family and friends will not be left without care.
Suppose you are insured against the risk of death, And you have some income. And you understand that you have loved ones without your income. They simply cannot exist. For example, you have dependents. Do you have children or do you have parents? In this situation, the endowment life insurance would be, Of course, a way out of the situation. Because if something happens to you, it just Loses your sole breadwinner and all, let's say. So, livelihood.
In fact, endowment insurance is very. like a plural. You put some money, combine. parts there And in case of any special risk: illness, disability. or death, name you or beneficiaries, for example,
Your relatives get money. Or immediately, completely. Or gradually, some specific parts. Basically, you can insure anything you want. For example, you can ensure your vote if it is one. There is uniqueness. Or, for example, some amazing legs. or any part of the body. You know, a lot of Western stars, it's customary for them here, They ensure certain parts of the body, some such Dear them. They believe that if they do so they will lose income Something will happen to this part of the body. So please, here in this case, the insurance market is Totally free to choose any device. And in principle, you can insure almost anything, anything And we are moving on to the third type of insurance - this is
Liability insurance.
LIABILITY, SUCH AS YOURS, TO THIRD PARTIES. If you were in an accident and had general insurance, Civil liability The so-called OSAGO, then the person in whom You move in, receives some payments from the insurance company. And if you also have CASCO, you will get a certain amount. Compensation from the insurance company with respect to thereof car. So liability insurance is liability insurance.
Before third parties. Also, such insurance is possible not only in respect of Others who were injured during the accident. But, likewise, for example, with certain actions professional There are lawyers and notaries. And they also have professional liability insurance. There are also many harmful and dangerous industries, In which employers provide additional insurance. their employees. And also notice that we have a new term.
Cooldown Period - What is it?
This is called the cooling period. This is the period in which you can still return. Insurance, For example, refusing for any reason. But mainly for life insurance and health purposes. And this is valid for 14 days only. So for OSAGO, for example, it won't work, like this Duration.
Two important elements of confidence in the future
In general, we live such a fast-changing life now. World. There are two elements in this regard, Which makes you feel more confident. One of them is the element of self-development and investment. In itself, the development of new skills. Another factor is insurance. And I, Poe strongly recommend that you use You with a factor like insurance, so that Feels more in unexpected situations. Permanently.
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