insurance is a special kind of relationship between the insurer and the insured, based on an agreement to protect the interests of both private individuals and organizations at the time of a particular event occurs.This is done to protect the material interests.The insurance contract is essentially a document certifying the sale of an insurance product, and takes the form of policy.
Specificity of insurance products lies in the fact that the contribution made by the insured is always much less than the sum insured (the amount of which is estimated property interests and that the insurer undertakes to pay upon the occurrence of certain insurance claims prescribed in insurance contracts).Therefore, the market attractiveness of insurance products provides just such a relationship.
Insurance has its own classification.In accordance with the form of involvement in insurance relations are distinguished:
- compulsory insurance, carried out in accordance with the law;
- voluntary insurance.
Voluntary insurance means a voluntary insurance contract.Insurance rules for such insurance products developed by the insurer.Specific terms of this agreement are determined individually in accordance with the wishes of each insurer individually.
Voluntary insurance can exercise protect the material interests of a particular person in various spheres of life.Let us examine some of them.
voluntary motor liability insurance.This type of insurance is carried out together with the compulsory insurance - insurance and in any case not replace it.The need for such a form of voluntary insurance due to the fact that the insurance usually does not cover actual losses if an insured event occurs.According to insurance liability limit for iron it is only 120 000 rubles, and on the victims - 160 thousand rubles.Voluntary insurance (DSAGO) third party liability is intended to extend the limit of liability, as close to the actual amount of benefits costs as autocitizen can expand up to 3 mln. Rubles.This is an advantage compared to the CTP is enhanced by the fact that the premiums for DSAGO much lower.
Voluntary accident insurance purports to protect you and your loved ones from unpleasant surprises, the same as illness, disability, injury and death.A positive aspect is not the high cost of the policy (the insurance contract), even with the full package of risks.Each individual policyholder chooses for himself the risks that, in his opinion, the most relevant.Under this program it is possible and necessary to insure the children, as they are subject to the maximum in such a beautiful age of various dramatic situations because of their high activity and curiosity.Voluntary accident insurance will allow you to remain financially independent, even if the insured event occurred, because the insurance company is obliged to reimburse the costs of necessary treatment and rehabilitation, if the incident is an insurance event, which provided protection against this type of insurance.
Voluntary insurance can be not only individuals but also legal, enabling the protection of your employees.But it is worth noting that voluntary insurance is not dependent on who performs the insurer, is definitely in favor of a particular individual: family members or employees of the organization.
