An ordinary person remembers the benefits of insurance only when a fire or flood occurs in the apartment. Today in Russia, the homeowner decides on his own whether he needs insurance if the apartment is not bought with a mortgage.

What does property insurance provide?

First of all, insurance of property of individuals is necessary to compensate for the damage received as a result of the occurrence of an insured event. Typically, insured events are fires, water damage to property, robbery, theft and illegal actions of third parties (glass breaking or arson). In addition, you can take out liability insurance for your own actions, namely, causing damage to the property of neighbors.

What is a housing policy?

When issuing such a policy, there are usually several categories, between which the total amount of insurance is distributed:

1. The structural elements of the apartment are walls, ceilings, balconies and loggias, windows, doors.
2. Engineering communications - heating systems, electricity and water supply, plumbing.
3. Repair - flooring, wallpaper, decorative elements.
4. Furniture and household appliances.

What property is insured against is commonly referred to as risks. A typical list of risks is fire, flood, gas explosion, natural disasters, theft.

The most popular is comprehensive insurance. Usually it also provides for the civil liability of the owner of the housing to the neighbors.

It is noteworthy that a significant part of the amount of insurance compensation is often intended to protect load-bearing walls. And for finishes, which most often suffer, insurance coverage can be less than 25% of the amount of damages. However, the homeowner can independently determine the terms of the contract and include additional risks in it, for example, fluctuations in the electrical network or glass breakage.

If the owner decides to conclude an individual insurance contract, a specialist comes to his house to assess the property. The insurance rate will depend on several factors: floor, security, year of construction of housing, material of walls, floors and ceilings.

Typically, decoration and home contents insurance is 0.3-0.7% of the sum insured, home insurance - from 0.2 to 1%.

The cost of insurance increases if the property is rented out, as the tenant has the least interest in the safety of the property. You can reduce the cost of the policy through a franchise, installation of fire and security alarms, metal doors and site fencing.

Experts advise concluding an insurance contract with large companies, justifying this by the fact that serious insurers have long worked out a mechanism for paying damages. However, do not forget that in each case the amount of payment is determined individually.

Have you ever wondered why you need life insurance and what are the benefits of life insurance?

Life insurance is an opportunity to accumulate and save funds by a certain date/event in combination with health and life insurance protection.

How is life insurance different from other types of insurance?

1. With this system, the insurance company always pays insurance money: both in the event of the expiration of the contract, and in the event of the death of the insured person. That is, the insurance payments made will work and will not go anywhere. But with other types of personal insurance, insurance payments are made only upon the occurrence of an insured event.
2. With accumulative insurance, the funds contributed for insurance are invested, and the amount of accumulative capital increases due to the profit received.
   With other types of insurance, neither the accumulation of amounts nor their increase due to investment income occurs.

If you consider a person's life from a financial point of view:

After graduation, a person begins to earn the first money.
Usually, income gradually grows and reaches a maximum mark by the end of a career.
Then comes the age, which is accompanied by the transition from full prosperity to the minimum state pension.
To live comfortably at this time, you need a reserve (capital), which can only come from personal investment and savings. So while a person is working, he must save a small percentage in order to secure his future.

This is how life insurance policies work.
A person makes contributions during the entire term of the contract, and as a result, capital is created that will feed him later.
The money that is paid under the insurance, the person receives back at the end of the contract.

There is also an insurance part of the contract, no less important.
With each person, unforeseen events can happen that disrupt health and affect performance.
Such cases can seriously interfere with work, depriving income.

An accident is a robbery: the level of income decreases and at the same time the cost of treatment increases.
A life insurance policy will provide an insurance benefit. This money makes up for lost income by helping to restore health.

Death is always a tragedy. But if we imagine the sudden death of a person who financially provided for the family: poverty will also be added to the grief of human loss.

The love of parents for children is manifested not least in the fact that they care about how much money children will live on if misfortune happens to them (parents) or they die.
The sum insured in case of death is an expression of the care adults take for their children.
Fathers of families do not have the moral right to leave the house without providing their family with financial protection. Usually life insurance is part of the contract, provides for the accumulation of money for life in their spare time. But if it so happened that a person died before the end of the contract, then his relatives will receive an amount no less than that which he planned to accumulate.

Therefore, the meaning of accumulative life insurance is very simple:
the policy is protection + capital.

It is not always so. The amounts of insurance premiums are accurately calculated by specialists, and insurers receive considerable profits, but this is not that the client gives his money to the insurer. Imagine that you have taken out a large loan from a bank. After a few months, the company you work for gets laid off and you're out of work. If the loss of the source of income is insured according to the contract, then you will not fall into a "debt hole" before the bank.

Nowadays almost everything can be insured. Most often, insurance contracts provide compensation in case of damage to a home or car. Medical insurance is designed to pay for treatment in case of injury or serious illness. In connection with the current situation, business insurance has received active development. It usually refers to buildings and equipment that are used by business people.

Many people know that there are mandatory types of insurance. In this case, we are talking about civil liability insurance for owners of cars and other vehicles. Many consider this type of insurance not only useless, but also a hard blow to the pockets of car owners. This is not entirely true. Before the introduction of the relevant law, every day one could face a situation where the perpetrators of an accident were not able to pay for the damage caused, that is, each car owner could lose his “iron horse” and not receive compensation at all.

It is worth noting that insurance is far from always beneficial, but given the intricacies of modern life, it is better to prepare in advance for possible troubles than to hope for a Russian “maybe”.

There are two types of life insurance - voluntary and compulsory. In the first case, a person himself chooses the risks from which he wants to insure. In the second, the availability of insurance is an integral element for the implementation of a certain type of activity.

Voluntary life insurance

Almost anyone can insure their life. Some serious health problems can be a significant limitation or reason for denial of insurance. The essence of voluntary life insurance is that in the event of the death or death of the insured person, the relatives specified in the contract receive certain compensation.

Sometimes people do not even suspect that they are objects of compulsory life insurance. When traveling in public transport, the life of each passenger is insured against HC.

Possible risks are chosen by the insured independently. For example, the most common types of life insurance are indemnity contracts in the event of death from an incurable disease or due to an accident. The amount of insurance is also determined personally by the insured person.

Traditionally, a life insurance contract is concluded for a period of one year, but if desired, it can be extended an unlimited number of times. The amount of the insurance premium directly depends on the amount for which life is insured. Tariffs and additional conditions in different insurance companies may differ.

To conclude a voluntary life insurance policy, you only need a passport, and in some cases, you may need a medical opinion on your state of health. For example, if you are insured against death as a result of an incurable disease, then a document confirming that you are completely healthy at the time of insurance will need to be attached to the contract.

A separate type of voluntary life insurance is a funded option. In this case, the program is calculated for a long period, and the insured person must make contributions in accordance with the schedule.

Compulsory life insurance

Compulsory life insurance is provided only in special cases. The most common of these is the emergence of credit obligations. If you take out a loan for small amounts, then the bank, as a rule, offers you to conclude a life insurance contract on a voluntary basis. However, if you decide to take

Insurance, which includes the word "fear", is still not very popular with the population, but you should not stay so far away from it. It is far from always possible to avoid troubles, but in many cases there is a way to minimize the damage from them - to insure.

When do you need insurance?

Injuries, natural disasters, and other troubles are easier to survive if you know that someone will compensate you for the damage caused by them. In this case, insurance saves. So what can help us? An insurance policy will help you get qualified assistance (although there are limitations). If your apartment was flooded by neighbors, the insurance company will pay for apartment repairs. If you are going on a trip and have lost your luggage, the cost of the lost luggage will be reimbursed. Travel insurance can also help you during your trip in case of unforeseen situations. Car repairs in the event of an accident can also fall on the shoulders of the insurance company. There are many examples.

Types of insurance

Insurance may be mandatory or voluntary. Mandatory, as a rule, include compulsory health insurance, pension insurance, motor third party liability insurance, compulsory insurance for certain groups of workers, and others. We can voluntarily expand our

What insurance companies offer Russians

Life and health are the most precious thing a person has, but Russians believe that a car, an old-age pension supplement, and a roof over their heads are more expensive. According to VTsIOM, most often we draw up an insurance policy precisely for these reasons. In the ranking of voluntary types of insurance used by residents of the country, health and life insurance take the last places. What is the reason for the unpopularity of these services and what insurers offer customers today, Trud-7 found out.

Life insurance can be risky and cumulative. Risk is produced in case of death, disability for any reason (accident, natural disaster), serious illness and disability. The accumulative system is aimed at less sad events: surviving to a certain age, graduating from school, university, having a child.

For several years, you give certain amounts, the so-called premiums, to the use of the insurance company. Most insurers offer policies ranging from 5 to 30 years. The benefit is that the total amount of premiums paid by you can be significantly less than what the insurer promises to issue under the contract.

“We have an average annual contribution of about 25,000 rubles. Last year, the company paid about 1 million rubles to a client due to disability as a result of an accident, and almost 3 million rubles as a result of death to the relatives of the insured,” Vladislav Akimov, deputy head of the insurance product development department at Allianz ROSNO Life insurance company, gives examples.

So many companies can pay for only one reason - the insurance situation does not threaten everyone. If you bought a policy in case of a serious illness, and fell ill after the expiration of the contract, you will not get anything and all premiums will go to the company.

“All over the world, life insurance is a financial instrument that helps a person and his family on a rainy day,” says economist Nikita Krichevsky. The expert recommends purchasing long-term policies of a mixed type, when the client is insured both in case of illness and injury, and in case of survival, and in case of death. Then it is more likely that the money will be returned, if not to you, then to your relatives.

Health on the map

According to the assurances of the insurer, voluntary medical insurance (VHI) is the only type of health insurance popular in our country. VHI policies were actively purchased until 2009, but more often by corporations for employees than by individuals. Russians do not go for insurance of certain parts of the body and organs (for example, hands or vocal cords) against illness.

In addition to compulsory medical insurance (treatment guaranteed and paid for by the state), everyone can purchase a package of voluntary insurance services. It includes: calling a paid ambulance, calling a family doctor, outpatient care in a private clinic, hospitalization in a superior comfort ward, dentistry (except for prosthetics and cosmetic services), spa treatment. VHI does not have a fixed price, it depends on which list of services the client chooses.

“The financial crisis has made some adjustments to the development of the VMI segment. Sales fell 6% last year. People who did not save on health before began to pay attention to cheaper programs, ”Finam Management analyst Maxim Klyagin told Trud-7.

Causes of backwardness

In the US, more than 70% of the population has voluntary health and life insurance policies. The state takes care of medical care only for the poor, and these are 25% of the number of citizens, says Krichevsky. In Europe, the proportion of those who voluntarily insure their health is 80%. According to Rosgosstrakh, in Russia today only 5% of citizens use the entire list of voluntary insurance services.

Experts believe that the reason for this is not only disappointment after the collapse of the Soviet insurance system and distrust of this service due to the abundance of one-day insurance companies in the early 90s. “This market in Russia is still at the initial stage of its formation. Its growth is constrained, in particular, by the low level of solvency of people,” says Maxim Klyagin. He also notes that in developed countries life insurance has no statute of limitations (the contract is concluded for life), and the Russians can count on a maximum of 30 years. In addition, endowment life insurance is inferior to bank deposits in terms of reliability. In case of depreciation of money, the deposit in the bank is compensated by the state under the deposit reimbursement program. Insurance premiums are not included in this program.

Background

• 1698. The first major insurance company, Amicable, opened in London. It offered to insure life and health under conditions similar to the current ones.
• Middle of the 18th century. Similar institutions appeared in Germany, France and the USA.
• 1846 Life and health began to be insured in Russia. There were three programs: for survival, in case of death and mixed.
• From the 20s of the twentieth century until 1992, Gosstrakh was engaged in all types of insurance in the USSR. Life was insured by 70% of working citizens.
• Since 1998, life and health insurance has been actively promoted by private insurers again.