Voluntary accident insurance

Voluntary accident insurance

Voluntary accident insurance has two
General provisions for voluntary accident insurance organizational forms. There are individual and group accident insurance. The contract of personal insurance is a natural person and applies to the insured and his family. Under a contract of group insurance as the policyholder is a legal entity, are insured individuals in the life and health of the insurer which has a material interest.
Group insurance contracts are concluded either by employers or associations and societies for the benefit of their members, such as sports clubs, trade unions. Insurance coverage for group insurance contract may be limited to a period of professional or social activities, and may extend to the privacy of the insured, depending on the choice of the insured.

The limited insurance coverage against accidents at work, while on duty, or participation in competitions is used more often than unlimited. Under the contract of voluntary accident insurance the object of insurance is the property interests related to the life, health and working ability of the insured person.
By accident is meant a sudden, unforeseen external effects on the human body, the result of which becomes a temporary or permanent impairment of health, as well as the death of the insured. The suddenness of the means by themselves, that the event should be short in its devastating effects on the human body and can act as a chronic illness, or prolonged exposure to the environment. Unexpected is that the damage caused to a person unintentionally, not by the will of the insured person.
Insured with the written consent of the insured has the right to appoint any person or persons as the recipient of the sum insured (hereinafter - beneficiary) in the event of his death. If such person is specified, the recipient of the sum insured, the beneficiary in case of death of the insured is his heir.
During the term of the insurance contract the beneficiary designated in the insurance contract may be replaced by another person. This must be notified in writing by the insurer. Replacement of the beneficiary under the insurance contract without the consent of the insured.
This insurance contract is subject to all the basic rules of security and imposes a duty on the insurance company pay the insurance indemnity as a result of the insured event.
The insured event is done in a period of insurance event specified in the insurance contract, the occurrence of which the insurer has a duty to make payment of insurance coverage to the insured, the insured person, the beneficiary or other persons.
For insurance cases are injuries, accidents, poisoning, and others.