Accident insurance: what should be insured

No one knows what may happen tomorrow, but everyone is able to protect themselves against unforeseen dangers. Bank.ru tell from what should be insured and the insurer can help in case of injury, disability and other unpleasant incidents. Accident insurance is not the most popular products on the market. According to statistics, such a policy have no more than 1,5-2% of Russians. And many owners were forced to become his: when buying a passenger ticket, or visit the mass event. In general, the Russians are not often think about the possibility of accident insurance, as firmly believe that with them nothing can happen, or similar measure of protection is unlikely to help them. However, in Europe and the U.S. insurance neschatnogo case is very common. And I must say that for nothing, because a natural disaster, the occurrence of various diseases or attack by the hooligans - not so rare these days, and it better be ready. So, practically every person can be insured against accident, regardless of his age and health. You can do this as a short-term (eg during holidays or work) and long-term (365 days per year). It all depends on the program and the purpose of insurance. What to insure? Often before the person is a question of what kind of risks it is best to protect yourself. As a general rule, most insurance companies offer a standard set of services. So, today you can protect yourself from the consequences of the explosion, action of an electric current, lightning, malicious attacks, poisoning by chemicals and poisonous plants, animal bites, crash vehicles, falling objects to the insured, ingestion of foreign bodies, improper medical exposure occurrence of critical illness (stroke, heart attack and cancer), polio, ectopic pregnancy or abnormal birth, as well as from various injuries (including those received in the home). However, not every accident can be an insurance case. It's one thing when it comes to serious personal injury, illness or even death, and another - on the short-term disability. Besides, would not be considered an insurance case an incident that could have been foreseen. For example, if the trouble was due to mental illness, chronic disease, hypertension and even in sports. Also, do not rely on compensation for injury during military actions, strikes and riots. It may also happen that the insurer recognizes the accident as an insurance, but the provisions of compensation still does not pay. For example, such an opportunity, if during the event the insured is in a state of alcohol or drugs. The same applies if the policyholder at the time of the injury committed illegal acts or attempted suicide. Insurance payment is usually an insurance payment is made within the specified contract time. Its size is calculated as a percentage of the sum insured, depending on the severity of the injury and the cost of treating the disease. Thus, the heavier the trauma and its consequences, the greater the insurance reimbursement. In addition, the amount of insurance payments directly dependent upon the insured, which may determine its amount in the contract. True, if the amount is considerable, even for an insurance policy will have to fork out. So, in this case, you should think carefully: how high is the probability of occurrence of insured event and whether or not to overpay for insurance, which you can be and do not use.