Accident insurance - cost, how to get and whether it is worth

Unfortunately from the accidentIndeed, no one is insured. But to mitigate the severity of its financial consequences is possible to insure. Especially if you are going on a trip and take the children with you. Of course, there are insurance for accidents and for ordinary life, but it is during the journey that the risk of not being a pleasant surprise is greatly increased, so some choose at least insurance for the child.

Although, on the other hand, as with allinsurance, then you must first deal with the conditions in order not to pay for the policy in vain. Let's try to figure out whether to make insurance against an accident and what it gives.

The content of the article

Accident Insurance

Sure to look My main post about insurance, compiled after analyzing a huge amount of feedback and personal experience (plus a little bit of insiders). I try to update it promptly so that you can always choose more worker insurance.

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First, briefly about what it is and whether to do it. And in the second half of the article read the details already.

What it is

Accident insurance is intendedfacilitate financial losses in case of damage to health and life from unforeseen dangers. If we are talking about travel, then travel insurance (traveler insurance) is bought as an additional option in the form of a separate insurance with its insurance amount. That is, visits to the doctor and hospital in the hospital are paid on the basis of the tour insurance and its insurance amount, and accident insurance implies an additional cash payment in case of any injury. And then you can spend this money wherever you want.

However, you need to know an important nuance when buyingaccident insurance - most often not the entire sum insured is paid, but a percentage, which depends on the type of injury. The maximum amount of payments (100% of the insured amount) will be only in case of death of the insured (will be received by the heirs or the beneficiary specified in the contract). So do not think that if you insured for $ 1000, then at the turn of the arm you will get them all. No, the interest will be paid depending on the severity of the injury, for example, only 10–20% of the sum insured can be paid for a leg / arm injury, that is, only $ 100–200 of $ 1,000.

By the way, when you buy a train ticket orthe plane, then along with it you often sell and accident insurance. This is a voluntary insurance and is not always rejected, because the price is low and many people simply do not pay attention. Under this insurance, you can receive payments if suddenly an accident occurs. In exactly the same way can be sold and baggage loss insurance. Sometimes they are sold together, sometimes byseparately. Actually, if both of these insurances are already included as options in your main travel insurance for the entire trip that you bought through the same Cherehapa, then you definitely have no reason to pay for them again.

Do I need to do it

Travel Accident Insurancealthough it may be useful, but not everyone is willing to pay for it. This is an additional option, and not mandatory, so the decision will be only for you. Do you want to be reinsured once again and pay money for it or not, you need a separate payment of money, or only medical expenses for the usual medical insurance of the traveler will suffice.

There is the same situation as with insurancelife when you are in Russia. Some people buy such insurance so that the family will receive financial assistance in case of loss of the breadwinner or loss of his working capacity. But this insurance product is not yet very popular in our country, because not everyone will be ready to incur additional financial costs. But we must remember that in the case of travel risks increase.

Do I need accident insurance

Do I need accident insurance

All the nuances when buying accident insurance

What to consider when choosing insurance

  • First of all, you choose NOT insurance against accidents, and travel insurance traveler. Be sure to read My main post about the insurance tourwhere I told what assistances are, what insurance company to choose, where to buy a policy, how to use insurance correctly, and so on.
  • Insurance companies are generally considered miserable.By chance, an event that occurs EXTREMELY and causes serious injury, illness, temporary disability, disability or death. Injuries that are considered to be an insured event can be caused in an accident, from the attack of a criminal, a fall from a height, it can also be domestic injuries (for example, a burn with boiling water).
  • As a rule, insurance claims are alsosituations resulting in the death of the insured or the appointment of a disability within one year after the end of the insurance. All these terms are in the contract.
  • If you decide to add yourself an insurance option againstaccidents, the most important thing you need to know is this. The injury that occurred should be in the pay table. If not, then the insurance does not apply to this injury. Therefore, it is important to familiarize yourself with the table by asking it to be provided to you explicitly, and in case of injury to keep in mind that the payment may depend on the wording of the diagnosis in your documents. In controversial cases, the insurance will interpret the doctor's opinion in its favor, so it is best that it most closely match the column in the insurance payout table.
  • Most standard programs do notapplies to accidents caused by the effects of already existing diseases (chronic diseases). Some insurance limits the amount of insurance coverage, age, health status of the insured, etc.
  • The size of the sum insured for accident insuranceCases installed at your request. The more insurance you pay, the more you will pay for it. Therefore, it is important to keep a balance so that the insurance costs are not unreasonably large, but at the same time the insurance payment also does not turn out to be too small.
  • You can insure both yourself and a family member: parent, wife, child. If you buy travel insurance for several people (family) at once and add the accident insurance option, this option applies to everyone. To use this option on someone, for example, a child, you will need to issue him a separate policy with this option, and on the rest of the policy without option. Since the option increases the cost of insurance, this way you can save.

When accident insurance is not working

If you are going to insure you need to understand that the contract contains a list of situations that will not be considered insured events:

  • An event that occurred outside of the territory and the term of insurance stipulated by the policy.
  • Accidents that are notmay be considered unforeseen. For example, due to mental disorders in the insured, hypertension, chronic epilepsy, etc. Consequences of infectious diseases, strokes and heart attacks can also be included in the list of exclusions from insurance claims.
  • Almost all insurance companies do not consider an insured event to be harmful to health during force majeure - military actions, civil unrest, strikes, etc.
  • Often injuries during sports, includingincluding mountaineering and diving - are not counted. For those who are going to engage in traveling sports, there are separate, more expensive insurance programs.
  • If at the time of injury the insured wasin a state of alcoholic, narcotic or toxic substance, if the insured was injured while committing criminal acts, in the event of death due to suicide or injuries sustained in a suicide attempt, if the insured was intentionally injured to his health.

The cost of insurance, the sum insured and the amount of payments

Separately, accident insurance, I would notbought, as it does not replace medical travel insurance, in fact, on the basis of which medical assistance will be provided. Therefore, it is better to take accident insurance as an additional option to the main insurance. In this case, your tour insurance just becomes a bit more expensive. You can compare for yourself how the inclusion of various additional options in the Cherehapa calculator affects the price.

Accident insurance - additional option for extra money

Accident insurance - additional option for extra money

The insured amount is determined by the insurer, that is, by you. If you choose insurance online, for example, the Cherehapa service (instruction how to use) lets you choose, for the whole trip youwant to insure yourself or even during the flight. In the screenshot above you can see how it looks. You can choose the insured amount from $ 1000 to $ 10,000. On some insurance sites, you can choose a large amount. It is the sum insured that the cost of insurance will depend on, and from this sum the payment will be calculated in case of an accident.

Accident Insurance Paymentsproportional to the damage caused to the health of the insured person. The harder the injury and its health consequences, the greater will be the insurance indemnity, which is paid either in a certain amount specified in the contract, or taking into account the period of disability. When an insured is hospitalized, insurance payments are calculated in accordance with the contract; at first, if you are on treatment, this is one rate; if the duration of treatment at a medical institution is longer than that stipulated in the contract, this is a different rate, higher.

Examples of payments. In the second group of disability, you can get about 75% of the insured amount, in the third group - 50%, only 10–20% can pay for a leg / arm injury. Payment for “temporary disability” is usually 0.2–0.3% of the insured amount for each day of disability, but the payment period is usually limited to 60-100 days and insurance in such cases often use a temporary deductible - from 10 to 30 days, this The period is not taken into account when calculating the insurance payment. For burns of 1–2 degrees, the rate may be 0.3% of the total amount of insurance. For damages to the face, neck, ears, the rate is 0.5%.

An example in figures from the websites of insurance companiesto make it clearer. If you insure a person for a period of 3 months in the amount of 200,000 rubles, the cost of insurance will be 570 rubles. If, say, a change is made on the basis of the payment table, the company pays 20,000 rubles - 10% of the sum insured. Another example. When buying an annual insurance policy (in the case of frequent trips) for 1 million rubles, its cost will be 7,000 rubles. For example, when an insured event occurs, the insured person spent 5 days in intensive care, 14 days in the hospital and 30 days in outpatient treatment. The insurance amount paid by the insurance company is 58,000 rubles.

The sequence of actions in case of an accident

The first thing to do after the accident is to call the assistance (what is assistance) and find out which hospital you needturn to. If this is not possible (for example, unconscious), then the ambulance itself will decide where to drive. Medical assistance will be provided to you as part of travel insurance. As soon as an opportunity arises, you need to contact the assistance and decide questions about your stay in the current hospital, whether they will immediately pay for the treatment or have to pay for it themselves, and then receive a refund.

After you solve all the treatment questions,You can already think about the payment in connection with an accident. You should notify the insurance (not assistance) about this and write a statement. The application deadline and the list of documents required to receive the insurance payment are specified in the insurance contract and in the insurance rules attached to it. Usually, the need for payment must be reported no later than 30 days after returning home. Even if you cannot meet the deadline for submitting a written application, you should definitely contact the company representative by phone, inform him about the incident and consult on how best to proceed. For reliability, it is better to immediately record the name of the representative of the company with whom you spoke, the date and time of your call to the insurance company.

The application must be accompanied by official documents.confirming that an accident has occurred to the insured person. The representative of the company, in turn, must register your application and give you its registration number, which will be useful in the future to simplify interaction with the insurance company. With this number you will be able to find out the status of consideration of your application and provide additional information regarding the insurance claim regarding your insured event.

The insurance company usually reviews the application.for payment within 1-2 months, calculates the amount of insurance payment and pays it to the client if all the necessary documents are presented to them and there are no circumstances that refute the occurrence of the insured event.

Documents required to receive payment

To get compensation from the insurance, veryIt is important to properly arrange and collect all necessary documents immediately after the occurrence of the accident, in addition to the passports and the insurance policy itself. The list of documents can and should be requested from the insurance. Usually it will be something like this:

- The act of the accident, an official document confirming the circumstances of the accident. With signatures whenever possible of all witnesses and responsible persons (original)
- Help from the doctor or honey. the institution that conducted the initial examination and provided first aid. The certificate must state the medical certificate and the diagnosis.
- During treatment - a certificate from an official medical institution, where the diagnosis and terms of treatment must be confirmed
- Prescriptions for medicines and checks from pharmacies
- When establishing disability is necessaryprovide copies of medical history and extracts from ambulatory and medical records, as well as documents confirming the link between the accident and the assignment of a disability group

If the insurance payment is made upon the death of the insured person, you will additionally need:

- Original or notarized copy of the death certificate of the insured
- Identity document of the beneficiary (heir)
- A notarized copy of the certificate of inheritance

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