Voluntary medical insurance of children guarantees to your child granting of services in paid medical institutions. Variants of a set of medical services can be the most different. Complex contract of voluntary medical insurance grants to you the right in-home to use the doctor-pediatrist, to do inoculations, to make tests, to cause the urgent (fast) […]
Voluntary medical insurance of children guarantees to your child granting of services in paid medical institutions. Variants of a set of medical services can be the most different.
Complex contract of voluntary medical insurance grants to you the right in-home to use the doctor-pediatrist, to do inoculations, to make tests, to cause the urgent (fast) help, to consult, be surveyed and treat the child is out-patient and in a hospital.
It is possible to get to the child policy of voluntary medical insurance on a certain type of service, for example, on the stomatologic help, the personal pediatrist, emergency medical aid, stationary service. According to your desire the insurance company will combine program of voluntary medical insurance which will correspond to your individual inquiries.
Each service on voluntary medical insurance of children is paid separately. Besides, cost of policy of voluntary medical insurance is influenced by a state of health of the child, therefore filling of the medical questionnaire or medical examination will be an indispensable condition of the conclusion of the contract of insurance. And the payment for the same type of service in contract of voluntary medical insurance changes depending on age of the child. For example, service of the pediatrist in-home more often is required to kids. Accordingly, this service for the child till 7 years will cost dearer than for the teenager.
Programs of voluntary medical insurance are quite often developed taking into account age features of children. There are special programs of voluntary medical insurance for children about one year, from 0 till 3 years, for teenagers from 14 years more often.
Memory insurance of children
Programs of memory insurance of children are traditionally used to guarantee to the child of means for study, wedding or simply material support to start adult life. Having concluded the contract for long term you can provide at rather small expenses payment of the impressive sum under the insurance.
Besides memory insurance works and as the insurance from accident. In this respect programs memory I share on two kinds. One provides payment of insurance compensation only in case of death or trauma reception by the insured child. Other programs guarantee similar insurance protection as to the child and the insured – to the person who pays the insurance.
Payment of insurance compensation to the child or the insured who has suffered from accident doesn’t influence in any way the size of the sum which is paid to the child upon termination of contract period of validity. On an example it looks as follows. On insurance conditions your child by 18 years receives 100 thousand roubles. However the total sum of insurance protection equals 300 thousand roubles. It means that the insurance guarantees compensation payment for the sum to 200 thousand roubles if the damage or in case of death of the insured is caused to health of the child or the insured.
The majority of programs of memory insurance of children guarantee that if the insured will die or becomes the invalid of the first group and can’t continue to pay payments under the insurance, the policy will operate all the same before the termination of term of insurance. But to the child completely will pay the sum on which him have insured when period of validity of the contract of memory insurance will end.
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