The insurance from accident can be used in the different purposes. “Grist” for rainy day, on a case of contingencies for treatment and rehabilitation is necessary to someone. Someone at the expense of insurance provides to the relatives material protection on a case of the death. There are special programs of insurance upon accident – […]
The insurance from accident can be used in the different purposes. “Grist” for rainy day, on a case of contingencies for treatment and rehabilitation is necessary to someone. Someone at the expense of insurance provides to the relatives material protection on a case of the death. There are special programs of insurance upon accident – for the period of rest, for the driver and passengers of the car, for children, for the period of stay in school of divers, fans of extreme sports. Depending on the purpose chosen by you it is necessary to select to yourself this or that variant of insurance.
Time of action of insurance protection also can be a miscellaneous. The insurance can operate 24 hours a day 365 days in a year in territory of the whole world or only for the period of rest, on an operating time.
One programs of insurance upon accident have standard character and you can’t add or clean the necessary or unnecessary risks. For example, the majority of standard programs don’t extend on consequences of illnesses. Other programs allow to choose that set of risks protection from which is required to you from the general list.
At the conclusion of the contract of insurance upon accident the size of the insurance sum is established according to your desire. The bigger size of insurance payment is provided to you with the insurance the more there will be a payment for it. Therefore it is important to find golden mean: that insurance payment was the present help if you suddenly become a victim of accident but at the same time expenses under the insurance weren’t unfairly big.
Payment under the contract of insurance upon accidents should help the insured person and his family to adapt for decrease in the material income which has come out accident. Optimum term in this case is year, therefore and the size of the insurance sum is expedient for establishing at a rate of the annual constant income of the insured person.
When insurance upon accident won’t help
Going to be insured from accident it is necessary to remember that the insurance has protection limits. Each contract contains the list of situations in which you can suffer but thus they won’t be considered as insured events.
First of all accidents which can’t be considered as the unforeseen aren’t considered in particular if the trouble has happened owing to mental or heavy nervous breakdowns at insured, hypertensive illness, a chronic epilepsy. Consequences of infectious diseases, strokes and heart attacks also can get to the list of exceptions of insured events.
Almost all insurance companies don’t consider as insured event a tresspass to health if this harm has come out force-majeur circumstances – military operations, civil disorders, strikes, as consequence of radioactive, chemical or bacteriological infection.
Quite often contract of insurance upon accident doesn’t provide payments at reception of the traumas which have come during playing sports, including mountaineering and diving.
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