Superstition - hinder the development of the insurance market from an accident
Insurance - financial sector, which under pressure from outside the subjective factors. In carrying out insurance activities directly in the implementation of contracts, you can hear many arguments "against" that simply amaze. There are all sorts of superstition, especially in accident insurance.
Perhaps life in the twenty-first century should have taught that the insurance does not save you from various events (accidents, fire, theft), but to protect the material side of the insured may, with significant and stable.
With regard to accident insurance of children, then perhaps this is the form in which the possible contradictions with it quite interesting, despite the fact that the volume of premiums collected in 2009, compared with 2008, increased by as much as 15% . In order to avoid conflicts and other misunderstandings, let us consider in detail the type of insurance against accidents for children and students, who appeared as soon as there was insurance.
First of all, it is worth noting that insurance students from an accident - this is a profitable species, primarily for the insured, which is very important for the insurance market. His advantage in the first place, argued for lower insurance rates, which can be reduced by 30-50% than the insurance adult. In this case, the amount of expenses that are covered by insurance child, up a few points. A striking example may be the existence of Article compensation costs associated with staying in the hospital, by the definition of insurance reimbursement, based on the number of days spent in hospital insured, and the daily interest rate, which is registered in the insurance contract.
For example, if an adult wants to insure themselves against accidents, and will be specified in the contract compensation for the costs associated with staying in the hospital, this is it is very difficult to do, as this is possible, in most cases, only medical insurance, which costs considerably more expensive.
Payments under this kind are carried out on the basis of disability tables, where each diagnosis is a percentage. Furthermore, this percentage is multiplied by the sum insured, and we get the amount of insurance reimbursement. This approach to determining the amount of insurance reimbursement, simply makes the think seriously about the size of the sum insured.
Insurance - financial sector, which under pressure from outside the subjective factors. In carrying out insurance activities directly in the implementation of contracts, you can hear many arguments "against" that simply amaze. There are all sorts of superstition, especially in accident insurance.
Perhaps life in the twenty-first century should have taught that the insurance does not save you from various events (accidents, fire, theft), but to protect the material side of the insured may, with significant and stable.
With regard to accident insurance of children, then perhaps this is the form in which the possible contradictions with it quite interesting, despite the fact that the volume of premiums collected in 2009, compared with 2008, increased by as much as 15% . In order to avoid conflicts and other misunderstandings, let us consider in detail the type of insurance against accidents for children and students, who appeared as soon as there was insurance.
First of all, it is worth noting that insurance students from an accident - this is a profitable species, primarily for the insured, which is very important for the insurance market. His advantage in the first place, argued for lower insurance rates, which can be reduced by 30-50% than the insurance adult. In this case, the amount of expenses that are covered by insurance child, up a few points. A striking example may be the existence of Article compensation costs associated with staying in the hospital, by the definition of insurance reimbursement, based on the number of days spent in hospital insured, and the daily interest rate, which is registered in the insurance contract.
For example, if an adult wants to insure themselves against accidents, and will be specified in the contract compensation for the costs associated with staying in the hospital, this is it is very difficult to do, as this is possible, in most cases, only medical insurance, which costs considerably more expensive.
Payments under this kind are carried out on the basis of disability tables, where each diagnosis is a percentage. Furthermore, this percentage is multiplied by the sum insured, and we get the amount of insurance reimbursement. This approach to determining the amount of insurance reimbursement, simply makes the think seriously about the size of the sum insured.
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