The child always serves as object of experiences of parents. Children are curious, restless, often don’t realize that subject to risk the life. Children’s illnesses demand special attention because it can undermine health of the kid forever. Besides it, parents would like to provide the future of the child: to pay to him good formation, […]
The child always serves as object of experiences of parents. Children are curious, restless, often don’t realize that subject to risk the life. Children’s illnesses demand special attention because it can undermine health of the kid forever.
Besides it, parents would like to provide the future of the child: to pay to him good formation, to save up money for wedding, to leave the inheritance if their life breaks to certain term.
Insurance of children serves the universal remedy to reduce parental anxieties.
How is possible to insure the child?
Not only parents can buy the insurance policy to the child any adult, in this plan there are no restrictions. Specially for children are offered programs of insurance upon accidents, voluntary medical insurance children, memory insurance.
Insurance upon accidents will help to cope with expenses on recovery of health of the child who has suffered from unforeseen circumstances. The insurance companies offer some variants of such insurance. Depending on your purposes, features of behavior of the child and your financial possibilities it is possible to choose the insurance which will operate all day and night 365 days in a year or only during stay in school, during summer vacations, during tourist trips.
The policy of voluntary medical insurance guarantees to your child the attentive relation of doctors and high level of health services.
Memory insurance allows you to provide the child with the means necessary for payment of training, wedding or simply starting capital for adult life. Besides, memory insurance, as a rule, guarantees to the child payment reception in the event that the person who has insured him will die before the termination of period of validity of the insurance. Thus, memory insurance represents simultaneously both savings and the inheritance.
Insurance of children upon accidents
Under the contract of insurance upon accidents insurance compensation is paid if your child has received a physical injury as a result of unforeseen circumstances, for example, crisis, a dislocation, a stretching, a brain concussion, a burn, a frostbite. Also the poisoning, stings are ranked as number of insured events by animals, snakes, poisonous insects. And here frustration of health because of infectious diseases isn’t considered as insured event.
Usually programs of insurance of children from accident have the base and expanded versions. The base version provides insurance protection under the limited list of risks. The expanded version allows you to strengthen insurance protection adding voluntarily those or other insurance risks from the list offered by the insurance company.
The sum of insurance compensation of each case corresponds to certain percent from the size of the insurance sum under your contract. If it is necessary for your child to receive medical treatment in hospital in connection with accident consequences the insurance company will pay compensation per every day of stay in a hospital. The maximum size of insurance compensation is paid if the child becomes the invalid, or in case of his death.
You define size of the insurance sum. In the majority of policies of assurance of accident the franchize is established – the size of the minimum loss which isn’t paid by the insurance company. It means that to you will pay nothing under the insurance if frustration of health of the child because of accident was short.
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