Voluntarily and obligatory insurance gives warranty to the proprietor of transport vehicle that the least damage of auto, independently of degree of his guilt in accident, will be recovered, and if a car was stolen, her overall cost will be paid to you. Depending on family finances and that, as far as your life is in the zone of risk, it is possible to choose independently an insurance sum. Material support to the suffering person and his relatives on renewal of health, if only breadwinner became disabled, will not prevent. Insurance today is very advantageous investments in tomorrow, you won’t stay without money, if you will temporally won’t be able to work.
World practice. Basic types of insurance
Accidents can catch a man everywhere: in a trip, on the way to work, in a theatre, at flight, in fitness centre, at the use of poor-quality food. Any incident brings not only the moral suffering but also financial losses on renewal of the broken auto, repair of apartment or visit of rehabilitation medical centers. If a health is undermined, then besides charges on medications and services of doctors, a victim forces to lose an own profit, because treatment can take a long time. To envisage troubles with a health or insure against everything is impossible. For Americans and Europeans a long ago insurance of own health, life and property became a norm. Foreign companies practice corporate insurance of working personnel successfully, especially on a production, where increased risks are. On what basic types of insurance it is necessary to turn the attention:
- Autoinsurance (OSAGO and KASKO, obligatory and voluntarily insurance of transport). An insurance compensation in case of accident will help to repair a car after road traffic accident.
- Ensuring against accidents on voluntarily basis will allow to secure itself in a financial plan in case of traumas, temporal loss of ability to work, realization of medical operation or receipt of group of disability.
- Property (apartments, cottages, farm, office apartments) insurance. Will create to you a reliable financial rear in case of defective crane of neighbours, cigarette-end of visitor or invasion of rodents.
- Life-insurance. Family is a value in lives of everybody, relatives need financial and moral support. Will your child become adult soon, wedding is planned or not after mountains retiring? Voluntarily health insurance is a great possibility to economize and protect family from financial problems related to the health.
Any type of insurance can be considered, as saving of money “in a money-box”, only in more rational and modern variant. Insurance provides money you and your relatives in case of origin of unexpected situations. Every type of insurance has its features, at registration takes into account age, sex, state of health, profession. Specialists will help to understand and choose the optimal type of insurance depending on your wishes!
