Any person, even one who pays great attention to his physical condition, on some day that is unlikely to be wonderful for him, may well wake up in a hospital bed. And completely unexpectedly for yourself and for all your loved ones. And accidents do not bypass even the most ardent adherents of a healthy lifestyle.

Unfortunately, such emergency circumstances not only dramatically change the usual way of life, but also cause large, and even completely unplanned, expenses.

Basics

The purpose of accident insurance, referred to as personal insurance, is to provide financial support during the recovery period after an injury or during an unexpected serious illness.

Any citizen (otherwise the policyholder), according to Article 934 of the Civil Code of the Russian Federation (Chapter 48 “Insurance”), has the right to insure himself or any other person against an accident or illness.

As you know, long-term treatment, and even more so loss of work due to disability, almost always has an extremely negative impact on the financial situation of both the victim and his entire family. Timely accident and illness insurance can help you avoid financial disaster caused by unexpected disability.

Insurance payments from an accident insurance policy help pay for the necessary expensive treatment and can also be used for subsequent rehabilitation.

The most frequently insured risks:

• complete loss of ability to work with the establishment of the appropriate degree of disability;
• partial disability resulting from a domestic injury or workplace accident;
• emergency hospitalization;
• loss of professional ability to work;
• sports injuries;
• death due to an accident.

Payments under the policy are made in the form of:

• full or partial sum insured;
• insurance benefit or daily remuneration assigned for the entire period of incapacity;
• assignment of an additional pension (temporary or permanent).

The exact amounts, terms and duration of payments depend on the terms of the specific accident insurance contract.

According to the law, every capable citizen can make a conclusion, both in relation to himself and his loved ones. Legal entities can also act as insurers, for example, of employees of their companies, school students or athletes.

Important! Payments under contracts are not made:

• if the cause of injury or death was the illegal actions of the injured person;
• in case of intentional self-harm or suicide attempt;
• for injuries caused by driving while drunk.

Types and programs

Insurance companies offer a variety of life and health insurance options. The most popular among them are:

• Life or health insurance for individuals. It is possible to insure not only yourself. This type of insurance also makes it possible to take care of any family member or loved one. The amount of payments within the insured amount specified in the contract depends on the duration of the disability or the severity of the injuries received.
• Insurance for company employees. At the request of the employer concluding the contract, insurance coverage for employees of his organization can be provided around the clock. However, a company may wish to issue an insurance policy for its employees only against accidents incurred in the performance of their official duties, but not in domestic conditions or on vacation (this type of insurance is often found). Insurance may also cover the duration of travel to the place of work. Such voluntary collective life insurance against accident or illness often turns out to be very beneficial for the employer and allows one to avoid litigation.
• Insurance for citizens paying off loans. The presence of an insurance policy will relieve the borrower who has lost his ability to work from the need to fully repay the debt to the bank. And in the event of the death of the insured person for the reason specified in the contract, the insurance company will assume all of his credit obligations, thereby relieving his heirs of the financial burden.

Children's insurance

As you know, a child is not always able to correctly predict the consequences of his actions. And the high physical activity characteristic of a young age leads to the fact that schoolchildren and younger children get injured in normal circumstances much more often than people with life experience.

Individuals - his parents or immediate relatives - can take out insurance for a child against an accident (illness).

In this case, an individual insurance policy is issued for the child.

If the insurers are an organization (legal entity), for example, a secondary school, a children's club or a sports section, then most often they enter into a collective insurance agreement for a group of children at once.

Main insurance cases:

• child being injured;
• diagnosed serious illness (so-called critical illness);
• complications after treatment;
• disability;
• death of the insured child.

In case of an insured event, parents are paid a certain percentage or the insured amount in full (depending on the terms of the contract).

Sports and accident insurance

The risk of serious injury among people who regularly exercise is slightly higher than among those who do morning exercises as much as possible. Of course, this means sports that involve serious physical activity. Playing chess or checkers, even at a professional level, is clearly not a traumatic sport.

Insurance companies most often offer insurance to professional athletes for the entire duration of their participation in competitions (including travel to the competition site). A period of intense training can also be covered. For amateur athletes, it is most important to purchase an insurance policy if they are involved in traumatic sports, and even more so in extreme sports.

The insurance contract for athletes provides for increasing coefficients, depending primarily on the traumatic nature of the sport, as well as the regularity of competitions and training.

It should be noted that insurance benefits under a regular policy may be denied if the injury was sustained in competition or during extreme physical activity.

Accident insurance and VHI policy

Quite often people confuse illness (accident) insurance with purchasing a voluntary health insurance policy. The main differences between these types of personal insurance:

• if you have a health insurance policy, only necessary treatment and a number of medical services are provided (paid for);
• An accident or illness insurance contract provides for the receipt of insurance (monetary) payments in the event of illness of the insured person or injury.

The product line includes classic products with individual conditions and boxed products with fixed insurance amounts and premiums, which allows you to reduce the time for drawing up a contract.

Voluntary accident insurance programs (AIC) include all the main risks that occurred as a result of an Accident: death, disability, bodily injury (injury). There are also additional risks: surgery, hospitalization, temporary impairment of health as a result of infection.

Classics - “Standard” and “Optima”:

• Insurance of individuals from 1 year to 70 years on the expiration date of the insurance contract.
• Insurance territory of the Russian Federation or the whole world to choose from.
• You can insure for a period from 1 month to 1 year.
• The Optima program includes additional insured risks as a result of emergency situations: Surgery, Hospitalization, Temporary impairment of health as a result of infection.

Boxed product "Express Protection":

• Fast and convenient individual insurance, including all the main risks of persons whose profession is considered to be of low risk. It is possible to include sports at the amateur level in your insurance coverage.
• Individuals from 18 to 65 years of age on the expiration date of the insurance contract are accepted for insurance.
• Insurance period is 1 year.

Boxed products for the whole family “Family” and “School Time”:

• An insurance system that will protect all family members.
• The “Family” policy allows you to insure close relatives of up to 6 people aged from 3 years to 70 on the expiration date of the insurance contract.
• The School Time program allows you to insure children for 24 hours a day, including being at school and playing sports. Children from 3 years to 18 years old on the expiration date of the insurance contract are accepted for insurance.
• Insurance territory is the whole world.
• Insurance period is 1 year.

Boxed product "Green Light+":

• For those who often travel by personal car and want to protect themselves and family members in case of accidents as a result of an accident.
• Individuals aged from 3 years to 64 years on the date of conclusion of the insurance contract are accepted for insurance.
• The maximum number of Insured persons in one policy is 3 people. Insurance territory is the whole world.
• Insurance period is 1 year.

Boxed products for athletes “Multisportsman” and “Multisportsman +”:

• These boxed products are designed for people who are involved in professional sports and participate in competitions.
• Individuals from 3 to 70 years of age on the expiration date of the insurance contract are accepted for insurance.
• The policy is valid in the Russian Federation and CIS countries.
• Under the “Multi-Sportsman” program, the insurance period is 1 month.
• Under the “Multi-Sportsman +” program, the insurance period is 1 year.

Special boxed product “Extreme” for people involved in extreme sports:

• The “Extreme” policy allows you to include extreme sports in your insurance.
• Individuals aged from 14 to 70 years on the expiration date of the insurance contract can be insured.
• The “Extreme” policy covers the whole world and is valid for 1 year.

If you need to take out a voluntary accident insurance policy, then call the multi-channel phone number 8 800 755-00-01 and get qualified advice from a specialist. We will help you choose the optimal insurance program for you.

Accident insurance is the main means of supporting the insured person and/or his loved ones in the event of certain circumstances occurring. It is issued on a voluntary basis, taking into account the level of income and exposure to professional risks. Types of policies - collective, individual, family, children's, sports and tourism. Accident insurance will be discussed in the article.

Definition

Individual insurance

Individual policies can be issued in the following forms:

1. Full insurance– it applies to all periods of a person’s professional and private life during the validity of the contract.
2. Partial insurance– the guarantee of payment of compensation is given only for a certain period (for example, during a tourist trip abroad).
3. – issued as an addition to package and combined policies if they do not provide protection for the required risks.

Individual accident insurance is the most popular type of packages voluntarily issued by the insurance company.

Group (collective) – insurance of workers against accidents at work

Corporate or collective insurance of employees is within the area of ​​social responsibility of the organization. It is usually issued only by large companies that provide it to their employees and are interested in maintaining a certain level of prestige. Also, the presence of such policies is necessary if the professional field of activity of employees is associated with significant risks.

Almost all modern hazardous industries issue collective accident protection policies for their employees.

Group insurance guarantees financial support to the employee and his family in the event of temporary or complete loss of ability to work. Tariffs for collective policies are always lower than for individual ones.

Family

This type of policy applies to all family members at once. Its presence guarantees you and your loved ones the maximum level of safety and payment of monetary compensation in the event of an insured event in full. The main ones are death, serious injuries and disfigurement. An unlimited number of relatives aged 1-70 years can be insured under one policy.

Family accident insurance is one policy for the whole family.

Children's – life and health insurance of the child

Child insurance is necessary for your children, regardless of their age, and for you personally. It guarantees full compensation for the costs of restoring the health of a child who has suffered as a result of an accident. At the time of concluding the contract, he must be between 1 and 17 years old.

Insurance coverage under a children's policy is valid 24 hours a day or during a stay in a preschool educational institution or school.

Child protection includes dislocations, fractures, damage to internal organs and soft tissues, poisoning, burns and other consequences of an accident, including death. The policy can be issued for any period - for a year for permanent protection or for 10 days during a trip to the camp.

Sports – how to insure a person against accidents in sports

A voluntary insurance policy against accidents is also necessary for every professional athlete, since it will save time, money and effort when an insured event occurs (and since this area belongs to areas of increased injury risk, it will definitely occur sooner or later). It covers all types of injuries, disability, and death as a result of sports activities. Validity period – from 1 day to a year.

Taking out a policy for one year is the most economical offer for athletes. Insurance can also be provided for any other period - for example, during sports training.

Personal travel insurance in case of death

Most package tours abroad already include insurance, but it would be better to check this point.

Features of voluntary accident insurance contracts

To obtain insurance against accidents, you will need to contact the insurance company with your passport and write an application. Be sure to check the information about the restrictions on the policy - it may apply to the age, state of health of the applicant, and the list of insured events. Validity periods may also vary:

• while at work;
• around the clock;
• while at school or children's sections.

The duration of the policy is from one day. Most often, insurance is issued for one year, but this does not mean that you cannot choose any other option.

Insureds who plan to enter into a contract for a million dollar amount may be required by the insurance company to present additional documents other than a passport. This mainly concerns corporate clients.

The effective date of the policy is specified in the contract, usually the insurance begins to operate on the next day after payment of premiums. The contribution for a voluntary policy is 0.12-10% and is determined individually taking into account the set of risks. E

If, as a result of an accident, several events specified in the contract occur at once, payments will be made for each separately.

All insured events covered by the contract must be clearly stated. The main options, as we wrote above, are temporary incapacity, disability and death. Compensation can be provided in the following forms:

• in cash or by bank transfer as the full insured amount, its part (the amount is specified in the contract);
• insurance benefit;
• pension;
• daily remuneration.

The form of payments is also prescribed in the contract and takes into account the nature of the consequences of the injury. So, in the event of death, compensation is provided one-time, and in the event of disability, additional compensation is provided.

Video

conclusions

From accidents is the main way of protection in case of complete or temporary loss of performance or death. Insurance is taken out in the insurance company, it can be individual, group, children's, sports, tourist, family. The cost of the policy depends on the width of coverage.

The life and health of an individual in the event of an accident, illness, disability or death. The beneficiary can be either the Bank or another person determined by the insured.

Insurance cases

• Death of the insured person (borrower) as a result of an accident or illness
• Loss of ability to work by the insured person (borrower) and the establishment of disability of group I or II as a result of an accident or illness
• Temporary disability

New services

• Remote medical consultation
• Second remote medical opinion

Tariff for connecting to the insurance program

Voluntary life and health insurance of the borrower - 2.4% per year

Voluntary life insurance, health insurance and in connection with involuntary loss of work - 3.6% per year

Voluntary life insurance and in case of diagnosis of a critical illness – 3.6%.

Voluntary life and health insurance of an individual with a choice of parameters - 2.6% per year

The program is carried out in partnership with Sberbank Life Insurance LLC (licenses Central Bank SZh No. 3692 dated 07/04/2016, SL No. 3692 dated 07/04/2016. Address: 121170, Moscow, Poklonnaya St., 3 building 1).

The client has the right to purchase protection from any insurance company.

Accident insurance: basic concepts, types, conditions, covered risks, rules for payment of compensation, tariffs, best insurers

Our life is full of dangers. In a car and on an airplane, at work and at home, on vacation and a business trip - everywhere a person can get injured, injured, or contract an acute infection.

Temporary incapacity or disability can hurt your pocket and put close relatives at risk, who will be forced to bear the costs of medical services, recovery, and ensuring the patient’s life.

Accident insurance will help deal with such emergencies and cover unexpected expenses.

What is accident insurance

Anyone can enter into a voluntary accident insurance contract by issuing a policy in their own name or in the name of any other person.

The amount is chosen by the policyholder himself. This takes into account his financial capabilities and the risks that a person is exposed to due to professional employment and the presence of extreme hobbies.

Insurance compensation is paid in the event of an incident with the following consequences:

• the insured receives an injury resulting in temporary loss of ability to work,
• hospitalization, surgery,
• receiving disability,
• death.

If desired, the accident insurance contract can also include such risks as newly diagnosed dangerous diseases, for example, cancer.

The rules of most insurers have conditions under which compensation is not paid.

In particular, the insured person cannot count on receiving insurance compensation if he:

• was intoxicated
• intentionally injured himself,
• broke the law
• applied for insurance due to an exacerbation of a previously existing chronic illness.

Varieties and forms

Accident insurance comes in two forms:

1. individual
2. group.

The first option is practiced in relation to one person. The insurance premium is paid by himself or by the insured - he can be either an individual or an organization.

Collective insurance is issued to a group of people, often to employees of one company. Money for the service is transferred from the organization’s account.

When insuring employees against accidents and illnesses, the employer has the right to limit the validity of the policy only to the time that its personnel spend at work.

In all Western countries, companies take care of corporate insurance for their employees. Many large Russian organizations and enterprises also include insurance in their social package.

This can serve as serious support for an employee who has been injured at work, has become temporarily disabled or has become disabled.

In the event of the death of the insured, his relatives will receive the money.

An organization that takes care of accident insurance for its employees also receives benefits.

It shifts the responsibility of paying compensation to the victim to the insurer, while at the same time taking advantage of tax benefits. In addition, the price of a group policy is lower than an individual one.

The insured person can designate a beneficiary who will receive compensation after his death. Thus, after the death of the breadwinner, the family will not be left without money, but will receive support from the insurer.

There are the following types of accident insurance:

1. mandatory,
2. voluntary.

Having a policy is mandatory for certain categories of people. The law requires insurance for military, police, rescue workers and other representatives of dangerous professions.

Previously, passengers were insured, but now only the carrier's liability is insured.

Compulsory accident insurance is provided with the support of the Russian Social Insurance Fund. It is from this that money for compensation is issued.

Reimbursement may be:

• one-time
• monthly (in case of temporary disability),
• as an additional benefit for rehabilitation.

The cost of the policy is established by law. It may depend on the professions of the insured persons and regions.

The insurance includes all major risks:

• temporary or complete disability,
• death.

Unlike compulsory insurance, voluntary insurance implies complete freedom of choice for the client. He chooses the amount, term, and risks covered.

The contract is concluded on the basis of the policyholder’s application and is not regulated by law.

Terms and Conditions

Anyone can take out a policy. To do this, you need to write an application and present your passport.

However, if the insured belongs to the category of high-risk persons or he wants to set the insured amount too high, then the insurer has the right to require additional documents.

Before signing a contract, it is better to inquire about the existence of restrictions provided for by the company's rules.

They may relate to the size of the limit, the age of the insured, state of health (disabled people of groups 1 and 2 and persons with serious illnesses will be denied insurance).

The policy duration can be selected from the following options:

• 24/7,
• only during business hours,
• during work, including travel there and back,
• at a separately agreed time (for example, during the period of training in the gym).

The contract can be concluded for a period from 1 day to a year or more. Voluntary accident insurance is usually issued in an individual form for a period of 1 year.

Options with shorter terms are less often chosen, and only in exceptional cases is a policy issued for life.

The contract specifies the moment when it comes into force. Typically, insurance begins the day after the premium is paid.

Taking into account the list of covered risks, the price of the policy can be 0.12-10%.

The policyholder has the right to choose 24-hour coverage, valid in all countries of the world, with the maximum number of risks, including extreme sports.

Such a program guarantees payment for all insured events resulting in the need for hospitalization, operations, treatment, and rehabilitation.

Another option for taking out accident insurance is a “from and to” contract, that is, for a specific period of time during which the insured person is going to go on vacation, a business trip, attend an event, or play sports.

Such a policy costs less because it is limited by the list of covered risks, the insurance period, and the territory in which it operates.

If an accident occurs to the insured, he must act as follows:

• take advantage of the necessary medical services;
• inform the insurer about the incident without violating the deadlines (usually 1 month);
• write a statement, attach the available documents on this fact: a certificate from the hospital, an accident report, an accident report from the enterprise, etc. Compensation for these facts will be paid to the insured person;
• if the death of the insured occurs, then the beneficiary or, if one is not specified, the heirs, claims to receive compensation. Applicants are required to provide proof of their eligibility to receive insurance;
• When submitting an application, you must show your passport and original policy.

Applications are considered for no more than 60 days; during this period of time, the insurer is obliged to calculate the loss and transfer funds.

Litigation regarding the incident may increase the period, since until its completion the insurer does not have the right to pay compensation.

If the insured person disagrees with the amount of compensation or the insurer refuses to pay compensation, you can file a complaint with the Central Bank of the Russian Federation, which is the supervisory authority.

Payment of compensation

After an insured event has occurred and the loss has been registered, the insured person has the right to count on compensation. It can be paid:

• temporary disability - as a daily benefit in the form of a fixed percentage of the insured amount);
• disability - in the form of a one-time payment in accordance with the disability group:

I - 70, 80,100%,

II - 60, 70, 75%,

III - 40, 45, 50%.

Each insurer has its own table, from which you can easily determine the amount of compensation depending on the nature of the damage and its severity.

This table is used when the insured person receives a fracture, injury, or other injury.

If the death of the insured occurs, the beneficiary or heir may receive the entire amount specified in the policy, or the amount from which all previously made payments will be withheld.

It depends on the terms of the contract. Also, the amount can be doubled if the contract provides for a condition such as death due to a traffic accident, criminal attack or other incident.

Insurance rates

The price of the policy will depend on the number of risks included in it. It is calculated as a percentage, and the amount of the insured amount is set by the client himself:

• If a person wants to insure only in case of death, then the price will be calculated at the minimum rate (from 0.12%).
• If the list of covered risks is wide enough, the price of the policy can be up to 10%.

There are a number of factors that can affect the cost of insurance:

• type of professional activity(dangerous work may increase the price);
• Lifestyle(the more active a person is, the more expensive insurance is for him);
• age(you have to pay the most for the elderly and children);
• floor(for men 40 years and older, the policy will cost more);
• health status(the presence of serious problems may increase the price);
• insurance history(regular clients who have not previously applied for compensation receive a discount);
• number of insured people(a policy for the whole family or work team will be cheaper);
• insurance period(premium for insurance for several months is calculated at a short-term rate);
• number of risks(with an increase in their number, the cost of the service increases);
• insurer's policy(each company in the fight for a client can offer its own programs and promotions).

You can pay for accident insurance in a lump sum, or you can purchase the policy in installments and make contributions every month, quarter, or year. This will be discussed with the insurer additionally.

The best insurers

Choosing an insurer is a responsible and serious matter. Since there are quite a lot of interesting options on our market today, it is important not to make a mistake and give preference to a reliable and experienced company.

Accident insurance is offered by Ingosstrakh, RESO-Strakhovanie, IC Soglasie and other companies. Each insurer has its own programs that may be of interest to clients of different levels and professional activities.

For example, "VTB Insurance" offers as many as 6 options designed for protection:

1. sports fans - “Fizkult-Hello!”;
2. summer residents and mushroom pickers - “Tick-borne encephalitis”;
3. children - “Personal Protection Junior”;
4. all family members - “Excellent Personal Family Protection”;
5. one person - “Excellent Personal Protection”;
6. in case of detection of cancer - “Manage your health!”

One policy can provide protection for both an individual and an entire family, sports team, or school group.

Individual policies under the Excellent Personal Protection program can already be purchased online.

An insurance policy is guaranteed support in case of injury, mutilation, disability, or death of the insured.

In order to avoid financial expenses for hospitalization, treatment and recovery, to provide for the family after the loss of a breadwinner, it is recommended to enlist the support of an insurer who will pay compensation in the event of an accident.

How to insure yourself against an accident (video)