Life and health insurance. Voluntary life and health insurance. Compulsory life and health insurance

Not all people think about their health, that an accident can happen to them, or they can get some kind of injury while they are doing well. But when unfavorable circumstances occur, often their prevention is no longer possible, and then the struggle against consequences begins.

Voluntary insurance of citizens

The optimal opportunity to reduce risks and guarantee the resolution of many controversial situations concerning payments and compensation for causing harm to health is voluntary life and health insurance.

To date, most people insure their lives and health in case of disability.

Life and health insurance, of course, it is better to trust reliable and trusted companies that have an impeccable reputation and positive feedback from their clients. Every self-respecting insurance company has a website on which anyone can get acquainted with its terms and evaluate insurance rates - in order to make the right choice. As a rule, today there is a whole list of insurance companies that place all the necessary information and rules of life and health insurance. An online consultation is possible, with the help of which you can calculate the total amount of the cost of services.

You can use various programs and services of different companies, but there is no doubt that human life and health are at risk everywhere, and for this reason it is necessary to take care of oneself and loved ones in order to cope with possible problems in various situations.

Life and health insurance programs

Insurance can be different. If you take a closer look at risky programs, you can see that compensation is paid for them if unforeseen events occur - injuries, injuries, partial or total loss of health and ability to engage in labor activity. The size of insurance premiums on risky programs is usually small, but compensation can be quite impressive. Risk programs fully financially protect a person and his family if she loses the breadwinner, or if the insured person, as a result of health problems, can not engage in work.

Cumulative insurance

Also for citizens of the Russian Federation it is possible to use accumulative insurance. It differs in that the amount of compensation can be obtained even if no insurance circumstances or events have occurred. Cumulative programs provide for a certain rate of income, and the amount will depend on what the initial conditions in the charging are chosen. This program is convenient because payments can be assigned for a certain period, for example, when a certain age is reached. With such a program, you can have a guarantee that a particular amount will be received at the right time. The frequency of accumulation insurance can be very different - up to lifelong. With payments, you can also act at your own discretion - both in favor of yourself, and transfer them to others who are related to these payments under a contract made for health and life insurance.

The cost of insurance premiums or premiums can depend on a large number of conditions - on what the tariff and insurance conditions are chosen, to what the person's age, health and living conditions are. More accurate information about life insurance or health should be learned first of all from the insurance companies themselves.

Insurance of persons liable for military service

There is another important point in insurance - the state cares about ensuring that the life and health of servicemen are insured without fail. Compulsory state insurance is an attempt to help those who lost their life or health, protecting the Fatherland. All servicemen are subject to such insurance from the moment of their arrival in the Armed Forces and until the last day of their service. But, it is necessary to take into account that the validity of this insurance continues for another year after leaving the Armed Forces in the event that the onset of death or disability was associated with injuries or illnesses received during military service.

To provide life and health insurance for servicemen, the state allocates multibillion sums. But from this money, not everyone gets to those who need them. This is due to the fact that people are not aware of their rights for financial, pension and insurance matters. In order not to lose money, which is supposed to be received according to the current legislation and legal documents, you need to have at least a basic knowledge for the spheres of life that you encounter, or which you will have to face. In particular, for life and health insurance during military service.

Russian laws imply that persons performing military service are insured by the executive branch, or more precisely by those of its federal bodies that provide for military service. These bodies can be the Ministry of Defense, Internal Affairs, the Federal Security Service, the Federal Penal Correction Service, the Federal Guard Service and others like them. Insurers themselves are insurers themselves, licensed to carry out compulsory state insurance, which have concluded appropriate agreements with federal agencies. The funds allocated to the tasks of compulsory state insurance of military personnel are allocated by the federal budget.

Who is responsible for insurance of military personnel

To whom exactly does the state trust the tasks of compulsory insurance of servicemen? In 2011, these tasks were carried out by the MAKS insurance company, and earlier, in the period since 1993, the Insurance House "VSK" was engaged in the insurance of the Ministry of Defense. But everything changed by 2009, when the tender was won by Rosgosstrakh. Next year, 2010, a closed competition was organized, to which the Insurance House "VSK" was not allowed. Those who did not receive proper insurance payments know that the Ministry of Defense sued the Insurance House "VSK", exposing claims in the amount of 130 million rubles, justifying it with lost payments. Internal troops, related to the Ministry of Internal Affairs, insure Rosgosstrakh.

How to use insurance benefits

In order to deal with insurance, it is necessary to take into account that there are not only Federal Laws and Government Resolutions, but also various departmental acts in huge numbers, and not all are in the public domain. Thus, it is not easy to use any of the benefits available in these acts, even with the help of experienced lawyers. But at the same time for these benefits is meant constant funding from the budget. In this way, the insurance protection of servicemen is seriously entangled.

Personal insurance

Servicemen in the service of the Ministry of Internal Affairs are subject to a compulsory life and health insurance contract from the state, namely personal insurance. If a member of the Ministry of Internal Affairs died or died before the year elapsed after his departure from service, and his death is associated with injuries or illnesses received during the service, his family should expect to receive a lump sum, the amount of which is ten years' salary of the employee. For these purposes, there is an appropriate budget, and the amount is subsequently recovered from those who are directly responsible for his death.

Cases of payment and their terms

Compulsory life and health insurance of servicemen provides the following payments. If an employee of the Ministry of Internal Affairs is injured and does not give him the opportunity to continue his service in the future, he can expect to receive a lump sum, the amount of which is five years' pay, and the amount is again collected from those who are guilty of this.

When a member of the Ministry of Internal Affairs is injured or otherwise damages his health, he is entitled to receive monetary compensation, which must exceed the pension amount. But these funds are paid either by the appropriate budget or by organizations that have concluded a contract with the Ministry of Internal Affairs. If the damage is received by the property of an employee of the Ministry of Internal Affairs or his relatives, the funds are transferred from the budget, and then collected from those who are guilty of this.

So, you can pay attention to the fact that you can get a one-time benefit and pay damages only if an incident that led to death, injury or damage to property was the reason for the official's work.

Cases of death and conditions for payment of compensation to the family of the deceased

In cases when the insured serviceman dies, insurance payments can be received by his spouse, with whom at the time of death, marriage, parents or adoptive parents were registered. Also, if the deceased insured serviceman did not have parents, under condition that his grandparents are kept or brought up for a minimum of three years, they can also get insurance payments. If the stepfather and stepmother were engaged in education and maintenance for five years, they also pretend to receive insurance. Also, if the children of a serviceman are under 18 years of age or have received a disability before the age of 18, if they are enrolled in an educational institution before the age of 23, they also have the right to receive insurance benefits.

Insurance cases under the compulsory insurance contract

Insurance cases for compulsory state insurance of persons performing military service are death in the course of service, or in the event that one year has not expired since leaving it as a result of injuries or illnesses received during the service. This may be a disability in the course of a service or before one year has elapsed since leaving it as a result of injuries or illnesses acquired during the service. The insured event may be in case of early dismissal of a serviceman if the military medical commission has found him unfit for service in the Armed Forces in connection with an injury or illness acquired during military service or fees.