In what cases the insurance company can refuse to pay? Buying the insurance you expect to save yourselves if not from troubles then from material losses with which they threaten. Thus, personal insurance gives you certain confidence of tomorrow. However when time will come to take advantage of insurance protection it can appear that your […]
In what cases the insurance company can refuse to pay?
Buying the insurance you expect to save yourselves if not from troubles then from material losses with which they threaten. Thus, personal insurance gives you certain confidence of tomorrow. However when time will come to take advantage of insurance protection it can appear that your insurance does not work. How it can turn out and what to do in order the similar has not occurred?
Personal insurance: do not hide the information
If you want that the insurance from accident or the life insurance contract reliably protected you from a possible hardship it is necessary to answer extremely precisely and fairly questions of the representative of the insurance company at registration of the policy of personal insurance.
If you try to hide the information on the diseases features of a way of life or work to save on insurance cost can remain without insurance payment when for this purpose there will be an occasion. In particular, if you hide presence at you heavy chronic frustration of health, for example, a cirrhosis, and subsequently will appear in hospital or will die of this illness, the insurance company will refuse to you or your successors payment. It will be established that you have hidden the data having essential value at the conclusion of the contract of insurance and such contract will be nullified.
The same concerns the raised risk in connection with performance of official duties.
There are certain categories of people with which the insurance contract cannot be concluded. If the client has intentionally hidden from the insurance company a part of the information and thus, for example, it is the invalid of the first, second group or consists on the account in a narcological clinic the given contract irrespective of the fact which insurance events have occurred will be considered void and payments under the given contract will not be.
By standard rules or mentally sick people sick of AIDS or a HIV-infected, invalids I or II groups, disabled from childhood, the persons consisting on the account in narcological, psychoneurological, antitubercular clinics cannot get life insurance.
Personal insurance: remember about exceptions
It is theoretically possible to insure the life and health from any troubles. In practice it will manage excessively expensively. Therefore each insurance program is calculated on the limited set of risks. Selecting a suitable variant properly understand from what the insurance will protect you and from what will not be. The death of the client or accident will not be considered as insured events if they have resulted from the events stipulated as an exception of an insurance covering.
For example, the insurance from accident cannot include risk of a trauma as a result of employment by such kinds of sports, as, for example, parachuting, a paraplanerism, hand gliding, speleology. And life insurance will appear useless if you are lost in accident and your insurance does not consider the risks connected with road and transport incidents.
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