Insurance is a way to hedge risks, since we transfer these risks to an insurance company which is which is going to take care of guarantee or compensate all or part of the damage produced by certain situations. To access this coverage have to pay certain amount for a benefit or future compensation in the event of a situation adversely.
Although insurance can cause you an indent for your budget because maybe you pay it for many years and just do not receive it, so will have to analyze if in the case ofillness, accident, sudden death, you will have the economic means to cope. Then if your answer is no, must see insurance not as a cost but as an action of forecast and saving that becomes effective in the event of an accident not desired, have capital available to replenish you of this situation.
Types of insurance: life, automobile insurance, personal accidents...
According to the objectives you have in life and your needs, you can hire different insurance: car insurance, life insurance, insurance insurance major medical expenses, personal accident...
Life insurance: in this type of insurance, the insurance company pays beneficiaries asum insured in the event of invalidity, survival or death of the insured.
Car insurance: as we all know, driving a car involves risks and responsibilities that may affect your heritage, your health, or that of third parties. Automobile insurance protects you in the event of damage or total or partial loss of your car in case of accident or theft, also medical expenses caused by the accident.
Major medical expenses insurance: insurance cover injury or disability that affects the health of the insured, caused by an accident or illness. These insurances cover hospital expenses, medical care, food, surgery, x-ray...
Educational insurance: insurance aim to cover college education of minors. This insurance can be: monthly, quarterly, semi-annual or annual.
What can you be? Can you what do not be ensured?
There are varied insurance according to which the needs of the consumers, but notall risks can ensure. Before hiring a safe, we need to know that risks that will only beinsurable:
We can not know with certainty if they will occur or not, or when: at home can ensure certain risks but not know whether manifest or when, what not can claim are damage due to the lack of maintenance or no damage as a result of the effects of the passage of time. This also occurs in auto insurance or life, where it is not known whether we will suffer an accident or death.
They are possible: for example in the home it is possible something breaking, therefore you can hire a safe that ensures the response given the damage that may occur.
They are concrete, which can be described accurately: the risks that a home is exposed to can be described accurately, therefore, are insurable. But you have to realize housing type and characteristics, as well as the risks that can occur.
Its object is legal and which does not go to the detriment of third parties: the risk ofdriving under the influence of alcohol is not insurable because it is an illegal activity,either you can hire a freight insurance if the goods to be transported is drug.
They are incidental, non-human will produce it: If you bump the car intentionally, can not claim through insurance of damage.
What are the components of a secure?
Securable thing: is the element that is at risk, the object of the insurance. There are two options: property, life or integrity (physical or intellectual) of a person.
Risk: when we hire insurance is because there is a risk. The risk is a threat of loss or deterioration affecting goods or specific rights as life, health or physical or intellectual integrity of a person.
Bonus: also known as the price of the insurance. It's the cost we pay for ensure the thing against the risk, which may be monthly, quarterly, semi-annual or annual.
Policy: it is the document that sets out the conditions of the insurance contract in written form.
Person insured: either upon which rests the insurance coverage.
Contracting: the person who has signed the contract of insurance, and can be natural or juridical. This person undertakes to pay the price charged by the insurer for theprovision. Because not always the contractor and the insurance company are the same person.
Beneficiary: the natural or legal person who has been designated by who hires security to receive agreed compensation in the event of accident.
Insurer: company that assumes the risk of the accident occurring.
Coverage: risks assumed by the insurer, are described in the policy. Only will receivea compensation of the events or claims that are covered by our insurance.
Deductible: the insurer has the ability to assume all the risk or share the risk with theinsured. The part of the risk that is taken by the insured is called deductible.
Validity: validity period that has the contract.
Compensation: sum of money that the policyholder undertakes to pay to the insured when the accident occurs and according to the conditions agreed in the policy.
Insurance is very important to be protected in the event that you pass an accident,why is recommended before choosing an insurance have clear concepts and compare among different insurance companies to purchase insurance that best fits our needs and characteristics.
No hay comentarios.:
Publicar un comentario