Life is full of unexpectedness and not all they are pleasant. The misfortune can catch for you at home, on work, on rest, for a long time lays on a hospital cot and demand serious expenses on recovery of health. Insurance upon accident compensates you expenses for treatment and rehabilitation. As insurance upon accident works […]
Life is full of unexpectedness and not all they are pleasant. The misfortune can catch for you at home, on work, on rest, for a long time lays on a hospital cot and demand serious expenses on recovery of health. Insurance upon accident compensates you expenses for treatment and rehabilitation.
As insurance upon accident works
Insurance upon accident protects you from every possible unforeseen dangers. From the point of view of the insurance company accident considers event which occurs suddenly and involves a serious trauma, illness or death. It can be traumas owing to road and transport incident, an attack of the criminal, falling from height, and also the traumas received in a life, for example, you were scalded by boiled water or have slipped in a bathroom and have broken a hand.
Thus, insurance upon accident provides to you payment of compensation in case of reception of a trauma, disability and physical inability reception.
At rather small expenses for the insurance from accident it provides payment enough the large sums. But, unlike life insurance, upon termination of insurance period of validity the paid money to you won’t return any more.
By the way, if period of validity of the insurance from accident has come to an end and thus you never received insurance payments, at purchase in the same insurance company of the new insurance on similar conditions it is possible to count on a discount.
Payments under the insurance from accident are proportional to a damage put to your health. The more hard the trauma and its consequences for your health, the more insurance compensation will be. Compensation under the insurance depending on character of insured event is paid or in the size established by the contract or taking into account the invalidity period. «On risk« hospitalization as a result of accident »is usually provided progressive payment. In this case payment to the victim pays off under the difficult formula. For example, a finding initial stage in medical institution is paid proceeding from one rate. If term of stay in hospital exceeds stipulated in the contract then all next days are paid proceeding from other, higher rate.
Usually the maximum quantity of days for which insurance payment can be added, is limited by certain term, for example 100 days. Thus the insurance doesn’t extend for the short periods of invalidity more often, for example, if you on two weeks have left a working condition because of a foot dislocation. Such restrictions make a reservation in the contract of insurance and are called as the unconditional time franchize.
Insurance upon accident concerns short-term kinds of insurance. Usually maximum period of validity of such contract doesn’t exceed one year. As a rule, to insure from accident it is possible the person at any age, in a range from 1 year till 80 years. As at insurance upon accident the state of your health isn’t of great importance, for registration of the contract from you it is not required physical examination.
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