Before turning to the question of what constitutes the concept of private insurance and its types, it is necessary to dwell on that includes basic concepts and types of insurance.
Insurance - relationships designed to protect the material interests of individuals and organizations in the accomplishment of certain events, which are called insurance claims.Insurance is a way of compensation for losses incurred due to an insurance company under a contract of insurance with the prescribed risk.The insurance contract - an agreement between an insurer (insurance company) and the insured (person or entity) under which the insurer is obliged to pay certain insurance premiums, and the insurer takes over the compensation when the insured event.
Types of insurance: compulsory and voluntary;property, personal and civic responsibility.In addition, each species has a certain subspecies, for example, property insurance is divided into insurance of property interests of legal persons (organizations) and individuals (individual citizens).Having examined the fundamentals of the insurance business, ie,Having examined the basic concepts and types of insurance, dwell in more detail on what is private insurance and its types.
Personal insurance or life insurance designed to protect individuals when the insured event.The main risks the occurrence of which is not desirable for a particular insured, but it is possible such:
- disability (partial or complete),
- temporary disability
- death.
Typically, as the beneficiary of such a treaty serves the insured, only in case of death should appoint another person as the beneficiary.In the event that the beneficiary is not established in the contract, then the risk of the occurrence of death, the heirs receive financial compensation under the law.
Personal insurance and its types in different insurance companies has its own peculiarities and differences.The main types, however, can be attributed:
- insurance against the National Assembly,
- insurance of those who go abroad,
- DSZH - term life insurance,
- insurance to accumulate
- and many others.
consider in more detail types of insurance in tourism.
Various types of insurance in tourism due to the fact that going to another country a person may face a variety of circumstances, and they in turn are associated with increased risk, as a person is in an unfamiliar environment and in a foreign environment.Therefore, this type of insurance is designed to ensure maximum security of citizens traveling abroad from the wide range of hazards.Different insurance companies offer different types of insurance.Therefore, each leave the country, it is important to explore all possible sources of risk to the neighborhood where he was going, and already on the basis of these factors to choose their insurance coverage.
Classification travel insurance includes insurance:
1. tourist himself and his property.
2. Risk of travel companies.
3. Personal travel insurance.
4. Foreign tourists.
5. GO car owners.
6. NA to cover medical costs for treatment and medication.
This release Insurance:
- Mandatory - GO car owners travel and transportation.
- voluntary - all other species.
At the time of the conclusion of the travel contract of insurance, determined not only by specific private insurance and its types, but the amount for which an insured person is selected depending on the country of destination, and then classified according to the mandatory minimum coverage.
