What are the different types of insurance services.Agree, such a request may be surprised.And you know how much these services exactly are you?Many are aware that we must try to protect the car and his life.Modern insurance services, the types of which are constantly increasing in quantity, represented by a large list of subspecies than the amount that is familiar to most people.
In addition, a considerable number of companies in this industry contributes to the integration of such services in all areas of service.What gives?Different types of insurance services have become closer to the end customer.
Consider the most popular ones, after breaking all kinds of groups.
Personal insurance
The first group includes:
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Life Insurance.A person may enter into a contract for a certain amount.If this is the most popular form of savings insurance.Using this principle, the insurer makes payments monthly.Gradually, therefore, a good amount of accumulated.If stipulated in the contract, then this amount the company may still charge interest, that is a kind of deposit that will be paid to the family of the insured person in the event of his death.
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from accidents and illnesses.If you are asked, What are the different types of insurance services, which you know.And do not forget about insurance, which is used by all major organizations, trying to reduce the risk of a loss due to absenteeism or working an accident at work.This kind of popular as personal needs, and commercial.People try to protect themselves in case when circumstances beyond their control cease to be legally capable and earn money.There are some types of professions where a person will be difficult to protect yourself from accidents and illnesses: miners, pilots of aircraft, the military and others.The most important thing - it is before you sign a contract, be examined by a doctor and in the questionnaire to indicate the results.Otherwise, in the case of the insured event a company can refuse to pay, citing the fact that you hid it from his illness.
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health insurance.Considering the types of insurance services in Russia, we can conclude that this is not a particularly popular in Russia.At the same time it is in some countries of the world foreign mandatory.Means the monthly payments in the form of insurance payments.
Memory system
When, for example, you need to go to the dentist, the company you choose, you will pay for the treatment.This is very convenient, to the same good treatment rather expensive, and immediately pay for it is not that many.Gradually, the Russian Federation, the number of policyholders who have signed an agreement on health financial protection is increasing, but it is mainly people with incomes above the average.
Property insurance
In the second group are the following types:
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Transport insurance.The most popular of this kind are full and partial helmet.With registration CASCO people may have problems.Firstly, it is very expensive, and not all machines are suitable, as insurance companies set their own limits on the age and value of the car.If the vehicle is older (mostly not taken, if more than 7 years) or too expensive, not all insurers are willing to sign a contract with you for their services.
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protection of air transport.Since air transport is not as common, not all insurers have taken to give financial guarantees for such a vehicle.Payments in respect of contracts of insurance of air transport is significantly higher than in the case of road.
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Insurance of water transport.Basically, this kind of make out the ship owners who want to protect themselves in the event of its collapse.
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protection of goods.It is a very popular service, which is actively used for cargo transportation.It is important to be sure that when a failed transport valuable cargo insurance company will assume liability and pay compensation.
Liability Insurance
The third group includes liability insurance and includes:
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Guaranteeing civil liability of owners of vehicles.If you are asked to recall the kinds of insurance of this group, call the different types of insurance services, among which mention and "avtograzhdanki."It is more correct to call this service liability insurance.In companies it is called insurance.Under the current legislation of the Russian Federation civil liability of owners of absolutely all vehicles must be insured.
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Liability insurance carrier.The same view is a must.In this case, it provided the risk of harm or injury to passengers.Home (forget that all service users taxis and other buses) - always take a ticket.Because the movement is prohibited without a ticket.
That's not all
In fact, if an expert to address with the phrase: "What are the different types of insurance services", - he remembers a much larger amount than indicated in this article.In today's world you can protect some important transactions between corporations, assets, financial transactions, and more.
In the process of development of insurance services, the types of which are gaining in connection with the deposit and pension proposals are an integral part of society.If the insurance event has not happened, at storage as a service you just get your money back.
