insurance : Insurance for traveling abroad

insurance : Insurance for traveling abroad: Insurance for traveling abroad   Insurance programs when traveling abroad Life is full of coincidences. Many accidents happen when ...

insurance : Medical program

insurance : Medical program: Medical program Outpatient Stationary Dental Home Help - Specialized: for children and adults Ambulance and emergency medical se...

Medical program

Medical program

Outpatient
Stationary
Dental
Home Help - Specialized: for children and adults
Ambulance and emergency medical services - up to 50 km from MKAD, Specialized: resuscitation, cardiology, obstetrics, children, etc.,.
Medical transportation, including specialized, in Moscow and cities of the Russian Federation, from 10 km and more.
Rehabilitation and reconstruction program
Spa treatment
Specialized programs: prenatal care, obstetrics, cardiology, treatment of severe diseases of the musculoskeletal system (acute pain), individual program for newborns, the program "personal physician", "family doctor", etc ..
Gerontological program: for the insured from 55 to 90 years.
International programs. Operating in accordance with the legislation of the Russian Federation "of the possibility of medical care abroad," if you can not provide specialized medical care in Russia. Routine, emergency and counseling programs with direct access to hospitals.
Organizational and advisory programs: insurance business, medical, medical law.
Organization of medical care on quotas in accordance with the legislation of the Russian Federation, health economic expertise on the volume and quality of medical services.
Medical support in clinics and hospitals.
Work with medical documentation: expertise, translation (English, German), training CDs
and so on…

insurance : Life and Health Insurance

insurance : Life and Health Insurance: Life and Health Insurance  Life and Health Insurance diverse. Its main types are: VHI (voluntary medical insurance). Those who on...

Life and Health Insurance

Life and Health Insurance 

Life and Health Insurance diverse. Its main types are:

VHI (voluntary medical insurance). Those who once resorted to health care in recent years, made sure that the services offered by medical institutions in the framework of the MLA does not match the hopes of patients. If there is agreement LCA treatment can take place in the city's best hospitals. Especially important is the VHI to those who intend to undergo diagnostic testing. Work will be with you only the most highly qualified experts and research list will be considerably expanded. If the LCA policy actions need arise during hospitalization, conservative and operative treatment will be paid and post-operative care and superior Chamber - guaranteed.
Life insurance in case of survival, death. Insurance policy on survival to a certain age or the period of occurrence of events specified in the insurance policy - a method of solving many problems that face people. Life insurance can be a good help for the family, which confronts the problem of material expenses in the event of the death of its members. This type of insurance is used as a method of accumulating a certain amount by a specific date.
Pension insurance. This type of savings insurance - one of the ways to accumulate a decent retirement. The insured person shall transfer the insurance company a certain amount of funds under the insurance contract, and the company will invest them so that the amount of money raised. At the expense of the money the company will pay a supplementary pension to his client when he reaches retirement age.
Health Insurance and the National Assembly (the accident). This type of insurance logistical support, if as a result of an unforeseen event is received trauma, injury, temporary, permanent disability or death.
Travel insurance. This type of insurance helps to get medical care while in a foreign country.
You can not predict random events. It is impossible to say that one or the other coincidence to us is guaranteed to not have a relationship. If the people around us are sick, injured, it is not improbable that a similar situation may be we or any of our loved ones. It is human nature to take care of their future.

Insurance for traveling abroad

Insurance for traveling abroad

 

Insurance programs when traveling abroad
Life is full of coincidences. Many accidents happen when you least expect them. And when you are traveling abroad, few people think about unpleasant accidents.

Insurance against accidents and illness at the time of traveling abroad for an insurance company "Belrosstrakh" - reliable protection against financial losses upon the occurrence of unpleasant accidents during leisure or business trips outside Belarus.

Insurance policy against accidents and illness at the time of traveling abroad will allow you to avoid additional financial costs, if during the stay abroad you will need, such as:

urgent medical care in case of illness or toothache;
delivery to the hospital in case of injury or accident;
return home to your children if you will be in hospital for a long time.
Insurance "Belrosstrakh" company offers the following insurance options:

 The insurance policy is needed to obtain timely medical assistance in case of emergency during a trip to any country of the world.
The policy provides coverage for medical
and medical and transportation costs when traveling abroad,
as well as the insurer's request may include
and other risks: baggage insurance, liability and accident insurance.

Forms and types of insurance

Forms and types of insurance

Insurance - a set of special closed redistributive relations between its members over the formation of the target due to cash contributions to an insurance fund intended to compensate for possible damage caused to a business entity, or alignment loss of family income due to the effects occurred insurance cases.

Insurance - specific sphere, which has its links:

1) Social security;

2) Personal insurance;

3) Property insurance;

4) liability insurance;

5) Insurance business risks.

Car insurance

Car insurance

The great advantage for the owner of the vehicle, as of today, is the auto insurance - at the moment, does not cause the slightest doubt had almost none of the motorist.

Insuring a car, an ordinary citizen, or, for example, the owner of a taxi company avtostrahovanieizbavlyaet the insured against the financial risks and to many troubles.

The media and the police data every day bring us messages about the accident. The situation on the road can be different and unpredictable. Injured pedestrians, drivers, cars mutilated or damaged road fences if you are involved in any situation is not very good, the main thing is not to panic.
Partial damage to or loss of your vehicle can be quite a nuisance not only for you. Incidents on the road have their summary: if it turns out even such that are responsible for an accident is you, then there only remains to recall the car insurance! In such a situation can not escape the burdensome and unpleasant moments, which will be linked to compensation for the damages to the injured party.

Forms of life insurance

Forms of life insurance

Classification of forms of life insurance:

on the date of insurance services:

endowment insurance;

Life insurance for a period;

Life insurance in the payment of the sum insured by the deadline;

in the form of insurance coverage;

insurance firm established sum insured;

insurance with participation in profits;

insurance with decreasing sum insured (reduction of insurance premium);

insurance with increasing the sum insured;

by type of insurance compensation;

life insurance with a lump-sum payment;

Compensation in the form of rent;

annuities;

depending on the insured life;

contracts in respect of private life (when the person insured and the insurer);

contracts in respect of another person (when the insured and the policyholder are different persons);

joint life insurance contracts on the basis of the first or second death.

Life insurance

Life insurance

Life insurance - personal insurance subsector, which includes a plurality of types of insurance under which the insurer pays the insured person or his assignee a sum of money when the survival of the insured up to a certain age, event, or date, or in case of his death.

For life insurance companies include these types: endowment insurance; insurance in case of death; life insurance risk (eg, in case of death and disability); life insurance with a declining contribution; insurance of children; insurance up to a certain period of time (education insurance, scholarship funds for furnishing the household, etc.); life insurance with decreasing sum insured when the insured is a person who has taken a loan or making a purchase on credit; Mixed life insurance; deposit insurance and others.

Most types of life insurance are long-lasting, which allows insurers to accumulate substantial financial resources to obtain additional income from the investment of insurance premiums reserve.

Life insurance as a form of accumulation is important for insurers, resulting in the most industrialized countries insurers performing operations in life insurance (pension, annuity), is forbidden by law to engage in other types of insurance.

As for other types of personal insurance, life insurance, its condition, the tariff rates and insurance amounts are determined by agreement between the parties to the insurance contract.

The basis of a voluntary personal insurance is life insurance, the types of which provide for the payment of the insurance sum insured or other persons in connection with: the achievement to an agreed period or event;. with the onset of the insured person's death.

1.2.Formy and types of life insurance

In modern conditions of life insurance is an obligation of the insurer on insurance payments in the following cases:

survival due to the contract term;

human security in old age or disability;

of death;

provision of credit, primarily mortgage;

The insurance risk in life insurance is the duration of human life. Risk is not death itself, and the time of its occurrence, because the insurance risk has two aspects:

die at a young age, or earlier in life expectancy;

live in old age, with a long life expectancy, which requires obtaining regular income without continuing work