Insurance of children against accidents. Insurance for children against accidents and illnesses

In recent years, children's insurance programs have become very popular in the Russian Federation. Thanks to such policies, parents can protect their children from any accidents, save money for their education, etc.

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Child insurance is an absolutely “transparent” procedure, which is carried out in accordance with Russian Federal legislation.

What it is

Children's insurance is a special type of economic relationship between the insurer and the policyholder. During this procedure, a corresponding agreement is signed between the child’s parents and the insurance company.

The insurer assumes obligations, depending on the type of insurance chosen, to accrue interest on the insurance premiums of policyholders.

Payments will be made only after the occurrence of an insured event, or upon expiration of the contract.

Most public and private insurance companies allow Russian citizens to take out insurance policies for children from infancy until adulthood.

Causes

Each parent may have their own reasons for insuring their child's life.

Various factors can influence a mother’s or father’s decision to purchase an insurance policy for their baby:

• registering a child for a sports section;
• taking care of your child’s health;
• planning your baby's future, etc.

Each child who participates in insurance as an insured person gains a lot of advantages:

• the right to study at a prestigious university;
• the right to an independent, secure life and own housing;
• the right to explore foreign and exotic countries as a tourist;
• the right to receive quality medical care, etc.

What are the conditions?

Russian insurance companies set a number of conditions for clients that they should know about before participating in the insurance process:

• issuing the type of insurance policy will directly depend on the financial capabilities of the parents;
• the cost of the insurance policy may be affected by the duration of the contract;
• When concluding a contract, the insurer assesses the child’s health status (medical certificates will testify to this), etc.

If an insured event occurs, the child’s parents must contact the insurance company and provide a complete package of documentation, which will include:

• application of the established form;
• an insurance policy issued by this company;
• documents confirming the occurrence of an insured event (if the child was injured, then all medical certificates and expert opinions should be attached);
• if the insured person has passed away, then it is necessary to attach a death certificate issued by the registry office.

What types are there, their features

Currently in Russia there are a large number of types of children's insurance policies that fall into the category of savings or risk insurance.

Contracts are concluded between the parents (or family members) of the child and insurance companies.

The validity period of these documents can be either record-breakingly short or extremely long (from 1 day to 10 years).

Such insurance programs set different rates and impose special requirements on policyholders and insured persons.

The most popular types of insurance are:

• until adulthood;
• sports insurance;
• health insurance, etc.

Until adulthood

Insuring a child until he reaches adulthood has recently become popular among Russian citizens who think about “tomorrow.”

To issue such an insurance policy, you must fulfill the requirements of the insurer:

• the child's age must be between 6 months and 15 years;
• the age of the policyholder cannot be less than 18 years and no more than 60 years;
• not only the child’s parents, but also close relatives and guardians can act as insurers;
• the contract may indicate the following insured events: injuries, poisoning, illnesses (resulting in serious consequences), death, survival until the end of the contract;
• With this type of insurance, the following are not recognized as an insured event: suicide, intentional self-injury by the insured person, etc.

The insurance contract “before the age of majority” can be terminated by mutual agreement of the parties, as well as in cases provided for by current legislation.

The minimum tariff rate is 100 rubles. The procedure for filing an application for insurance payments is carried out in the usual way, in accordance with the Federal legislation of the Russian Federation.

Endowment insurance for children

The principle of accumulative insurance is as follows: during the validity of the contract, an amount of money will accumulate on the account of the insurance company, which should go to the insured person upon expiration of the insurance contract.

This fund is formed from monthly contributions made by policyholders.

For many Russian citizens, endowment insurance is a passive source of income. Thanks to an insurance policy, they gain confidence in the future.

For many people, especially those with a modest financial situation, endowment insurance is the only opportunity to ensure the future of their child.

All accumulated funds can be spent:

• for a child’s education at a higher educational institution;
• for a wedding;
• to purchase a separate home for a grown child;
• for travel to foreign countries, etc.

An accumulative insurance policy will provide protection from the first year of a child’s life, until he reaches adulthood, both from illnesses and accidents.

Sports

Many sports sections register children only if they have an insurance policy. This is explained by the fact that when playing such sports, children often get injured and coaches, thus, try to relieve themselves of responsibility.

Today, a large number of insurers operating in the Russian Federation are actively involved in insuring young athletes.

To issue an insurance policy, you must fulfill a number of requirements of the insurer:

• the child’s age cannot exceed 18 years;
• the minimum age of the insured person cannot be less than 1 year;
• the child must engage in a certain sport constantly, at least once a week, etc.

To conclude an agreement with the selected insurer, the child’s parents will need to provide the following information:

• Full name and date of birth of the baby;
• address information (where the child lives);
• Parents' contact numbers and passport details.

The validity period of the insurance contract cannot exceed 1 year. After this time, the child’s parents can renew the contract with their insurer.

This document can be concluded for 1 day if the baby plans to take part in some competitions.

If necessary, parents can conclude an agreement for the summer period if their child will rest and train in a sports camp.

Price

Currently, there are a large number of insurers on the domestic market that offer various insurance programs intended only for children.

They differ from each other in many respects, in particular in the amount of payments that can be received upon the occurrence of an insured event.

Comparative table of children's insurance in different companies:

Every loving parent should take care not only of the health, but also of the safety of their baby. Not all mothers and fathers have the opportunity to constantly be with their child in order to protect him from all adversity and misfortune.

The only way to protect your child from all troubles is insurance, which provides for various risks that may await him along the path of life.

When a child is born, the life of a family changes completely. Now parents are responsible not so much for themselves, but for the new life they brought into this world. In the process of growing up, a little person very often faces many dangers and unforeseen situations. That is why the question is increasingly being raised in society that it is necessary to introduce children from accidents. Of course, it will not protect you from dangerous and critical situations, but the policy is quite capable of helping parents cope with the consequences.

However, compulsory insurance also has many opponents - according to some experts, this infringes on some civil rights of a person, because everyone has the right to decide for themselves whether they need insurance or not. For children, of course, until they reach adulthood, this decision must be made by parents.

Who needs an insurance policy

Today, visiting children of school and preschool age is a voluntary matter.

An accident is an unforeseen, unpredictable circumstance that does not depend on the wishes of the insured, resulting in a permanent or temporary impairment of health. From the above, it is clear that although no one wants this very event to happen, everyone must protect themselves from its consequences. This is precisely the essence of an insurance policy - if, God forbid, something happens to your child, the insurance company will share responsibility, at least financially, with you.

Child insurance may be paid due to:

• traumatic injury - bruises, fractures, sprains and dislocations, damage to internal organs;
• temporary unexpected health disorder - poisoning, burns and other similar diseases;
• onset of disability of any degree;
• lethal outcome (death) of a minor child.

An insurance contract can be concluded in relation to a child aged from one year to 17 years.

Subtleties of a child insurance contract

You can purchase a policy immediately after the birth of a child; the contract can be concluded for one year or for several years. It usually provides for the payment of compensation in the event that a child has suffered as a result of an unforeseen situation and needs medical assistance. The insurance does not cover ordinary ailments such as acute respiratory viral infections, except in cases where the illness arose as a result of an accident. For example, if a child accidentally gets poisoned and develops an ulcer as a result, the insurance company will pay for the treatment of this disease.

Insurance against accidents for children in sports also has some features. Here you need to be very careful, especially for those parents whose children are involved in traumatic sports - karate, football, boxing, gymnastics, and so on. The fact is that it matters what conditions are specified in the contract. One option may be insurance for the period of participation in competitions - such insurance is cheaper, but it will not cover the cost of treating an injury received during regular training.

Policies. What are they like?

Now let's talk about what exactly accident insurance for children can be. All policies can be divided into groups depending on the period of validity, the age of the child, and, of course, the list of insured events.

Any insurance institution will offer you at least two programs:

• 24-hour policy;
• temporary insurance.

As the name implies, in the first case, the policy will cover the cost of treating an injury sustained by a child at any time of the day. A temporary policy protects your child, for example, in the following cases:

• in the evening, during walks;
• while attending a specific lesson - chemistry, physical education, labor training;
• for the period of stay in kindergarten or school;
• while visiting the sports section.

In addition to the usual insurance and policy for active children attending sports clubs, there is another program that helps protect your child for many years. This is the so-called accumulative insurance. The essence of such a program is as follows:

• parents enter into a long-term contract with the insurance institution, for example, until the child reaches adulthood;
• Every month for the entire period of time, parents transfer a small amount specified in the contract to the insurance company account;
• at the time of the insured event, the company covers the costs of the child’s treatment and makes all payments due;
• if nothing happened to the insured child during the entire period of validity of the contract, i.e. the policy was not useful, the company pays the entire amount paid by the parents.

It is this type of insurance that is gaining the greatest popularity today, since it not only protects the child, but also allows you to quietly accumulate a fairly impressive amount, for example, for his education.

Schoolchildren insurance

Insurance of children against accidents and illnesses while they attend educational institutions is especially important. Although teachers are responsible for the child at school, they are simply physically unable to keep track of so many children at the same time. Have you ever seen a student who can sit in one place when the bell rings from class or a child who never runs or pulls his pigtails or backpack? There are probably some, but this is rather the exception.

That is why many insurance institutions offer special policies that guarantee additional protection for your child during school hours. The duration of such policies is usually an academic year - 9 months. They guarantee payment if a child is injured at school, but your child remains unprotected on the way to and from school.

Policy cost

Insuring children against accidents can include many risk items. The cost of the policy will depend on their quantity. The more clauses you want to include in the contract, the more you will have to pay.

The policy can start from 100-150 rubles per month, the highest level can be 20-30 thousand rubles per year or more. What to choose and how much to pay - you decide for yourself.

How to reduce the cost of your policy

As you already understand, accident insurance for children and schoolchildren can be either quite cheap or very expensive. If you do not lack funds, very good. What should those who want to insure their child, but are not entirely financially wealthy, do? There are several ways to reduce the cost of your policy. Here are some of them:

1. Try organizing group insurance, for example, hold a conversation among parents and insure the whole class at once. In this case, you can count on a significant discount.
2. Read the contract carefully and exclude from it those clauses that do not suit you. For example, many companies include mandatory vaccinations or a monthly course of wellness massage in the contract.
3. Exclude dental services from insurance claims - they are very expensive; if necessary, it is easier to treat them yourself.
4. Please note the deductible - this is a minimum amount for which expenses are not reimbursed. For example, if the deductible is 500 rubles, and the treatment of a bruise was cheaper, then the insurance company does not owe you anything. If treatment costs, for example, 800 rubles, then the policy will only cover the difference - 300. If there is no deductible, insurance costs more.

How much can you get

Child accident insurance provides partial or full payments, it all depends on the severity of the injury received. Maximum compensation is usually provided in the event of disability or death. Of course, the less the policy cost, the lower the amount of insurance payment will be. It can be approximately calculated as follows: the cost of the policy is approximately from 0.5 to 1.5% of the payment due in the event of an insured event. However, there is an unspoken rule - the estimated compensation cannot be more than 2 million rubles.

What you need to do to receive insurance payment

Compensation under an agreement with any insurance company does not depend on how many other similar agreements were concluded with other institutions. This means that you can purchase a policy from two or three different companies, and after the occurrence of an insured event, receive payments from each of them.

Insurance for children against accidents usually stipulates that from the moment of the accident you are obliged to notify the company about it within three days in any way available to you.

In order to receive a payment, you need to provide the following to the insurance company:

• contract;
• insurance policy;
• a document confirming the occurrence of an insured event.

Such documents may include:

• certificate from the emergency room;
• a doctor's extract from a medical or outpatient card;
• confirmation of an expert medical commission on the assignment of disability of any category;
• death certificate of the insured (copy + original).

The insurance company may also request additional documents confirming the occurrence of an insured event.

How to draw up an agreement

Insuring children against accidents, as well as any other type of insurance, is a fairly simple matter. You will need to follow a number of simple steps:

• select an insurance company;
• carefully study all options and conditions for the provision of services (preliminary consultation can be obtained by telephone or by visiting the company’s website);
• choose a suitable insurance program;
• prepare a package of documents necessary to conclude an agreement (usually you only need a passport and the child’s birth certificate);
• conclude an agreement and pay for it.

As you can see, everything is very simple and in practice rarely takes more than half an hour.

Choosing an insurance program

If you nevertheless decide to take out accident insurance for your child, reviews from those who have already used the services of one or another insurance company will help you make the right choice. What to look for:

1. Choose an organization with a proven reputation, read reviews about it from other clients. Pay special attention to the negative ones - these are where all the “pitfalls” are usually described.
2. Before concluding a contract, think again and try to impartially assess the personal qualities of your child. If your baby is an active person who can be in four places at once, choose a program that covers all risks as much as possible. If you are lucky enough to have a child with an average or minimal level of activity, a program with a basic set of parameters is quite suitable.

Some parents flippantly believe that child insurance is a waste of money. Of course, each of us hopes that nothing bad will ever happen to him, much less his child. However, it is still better to protect the child from accidents as much as possible.

Every parent strives to protect their child from various negative influences and protect him as much as possible from injury. Reliable protection for your child is provided by insuring the baby. In addition, the presence of an insurance policy guarantees complete rehabilitation and high-quality material support in the event of an insured event.

In what cases is it necessary to insure the life and health of a child?

The need to insure the life and health of a child can be due to many reasons. This question arises most urgently if the child is seriously interested in sports or attends sections in which there is a high probability of injury.

It is almost a vital necessity and responsibility of any parent to take out an insurance policy for a child who is going to go to camp. New acquaintances, vigorous activity and participation in various kinds of competitions can cause injury, and the presence of an insurance policy will allow rehabilitation measures to be carried out and the child to get back on his feet much faster.

To obtain an insurance policy, you must contact the place of registration of one of the parents. At the same time, there is no special connection based on the territorial principle, which allows the issue to be resolved much faster. The future applicant must contact the district office of the insurance company. The address of such an organization can be found directly at the local clinic. You can get such advice at the registry office.

The direct insurance procedure includes several stages. They are described in more detail below:

• Choosing an insurance company.
• Selection of insurance conditions.
• Collection of the necessary package of documents.
• Conclusion of an agreement.
• Payment of insurance premiums.

The modern insurance market is replete with a large number of profitable offers from various insurance companies. To choose the most profitable ones, you should study all these offers as carefully as possible.

When choosing a specific program, you should pay attention to the list of risks that the company can cover in the event of an insured event.

The basic package of documentation includes the passport of one of the parents and the child’s birth certificate. Under certain circumstances, this list may tend to expand. It is best to foresee this moment in advance and first contact representatives of the insurance company to clarify all the details of cooperation.

When studying the contract, you should pay attention to under what conditions and in what amount the funds will be paid to the insured person. It is also necessary to carefully study all the clauses of the contract indicated in the fine print.

After signing all the necessary papers, the insured person must make regular contributions so that when a certain event occurs, the insurance company can fulfill its immediate responsibilities. The frequency of payment of such contributions in most cases is once a year, but may vary depending on the specifics of the contract drawn up.

Child insurance programs today are represented in a large number. Below you can get a much closer look at the various variations of this insurance product.

• Risk insurance. A relatively inexpensive type of insurance product. In this case, the contract is concluded for a certain period and money can be paid only if an insured event occurs. If such a case does not occur, the money will not be returned to the policyholder.
• Endowment insurance. This is a more expensive type of insurance program. The contract under such insurance is concluded for a long period (about 10 years), after which the entire amount can be returned to the insurance policy holder. If, during the validity of the contract, an insured event does occur, the company pays compensation to its client in accordance with the current tariff.
• Voluntary insurance. Participation in voluntary children's insurance programs allows you to visit paid hospitals and receive quality medical services free of charge. In the event of an insured event, the policy covers all expenses for transporting the child, his treatment, and purchasing the required medications.
• Compulsory insurance. The peculiarity of such programs is that they cover only basic risks. The owner of this policy will receive a set of standard services in a public clinic with an appropriate level of quality.
• Social insurance. This type of program is cumulative and voluntary. The amount of payments upon the occurrence of an insured event is formed by taking into account the amount accumulated by the parents during the period of validity of the contract, plus a certain percentage.

The insurance company guarantees the return of funds upon the occurrence of an insured event. The list of risks that this policy covers depends on the features of the program within which the cooperation takes place.

The list of basic risks is as follows:

• sunstroke;
• suffocation;
• drowning;
• lightning strikes;
• injuries received while playing sports;
• burns, cuts;
• negative impacts of atmospheric phenomena.

Under certain circumstances, these risks may also include mental and neurological diseases. However, it should be noted once again that the more risks the policy can cover, the more it will cost the child’s parents.

When an insured event occurs and appropriate payments are made, parents are not limited in dividing the payment received. This means that they themselves choose which part will be spent on medicines and which part will be spent directly on medical care.

For how long can a child be insured?

The validity period of the insurance policy is specified in the cooperation agreement, which is drawn up at the initial stage. However, the client of the insurance company is first given the opportunity to independently choose the duration of its validity. In fact, you can insure a child for any period - from one day to several years.

The main criterion that influences the formation of the cost of insurance services is the number of cases in the event of which the company will make insurance payments. The larger the package, the more expensive the insurance company’s services will cost. In addition, the following points influence the final price:

• insurance conditions;
• contract time;
• the child's health status;
• child's lifestyle;
• age and gender of the child.

Children aged from 1 year to 18 years can take part in the insurance program. Upon reaching adulthood, the insurance policy automatically terminates.

Regular contributions can vary from 250 to 5,000 rubles.

Accordingly, the higher the premium, the larger payments the client of the insurance company can expect.

Child life and health insurance allows you to provide the necessary high-quality medical services in a timely manner. If an insured event occurs, all expenses for treatment and subsequent rehabilitation will be reimbursed to the parents in full or in part (it all depends on the level of damage caused).

The children's insurance policy is designed for children of different ages - from 3 to 18 years. The liability limit for the insurer can reach 500,000 rubles. However, to receive the maximum amount, you must make fairly large monthly contributions.

Long-term insurance programs are designed for a fairly long period of time - from 3 months to 1 year. It should also be noted that there are shorter-term policies, the validity of which can be from one day. Short term insurance policies are very suitable for children traveling to competitions.

To keep your child as safe as possible, you need to make sure that the chosen program includes active recreation, food poisoning, animal and insect bites, and minor injuries.

With the birth of a child, the circle of responsibility of parents expands significantly, because from that moment they must take care not only of themselves, but also of their child until he grows up.

During this period, it is extremely important to take responsibility for the responsibilities assigned to them, since it is at an early age that a person is too inquisitive and active, and this very often results in various kinds of injuries and bruises.

In addition, the young body is not yet strong enough, so the risk of fractures also increases. Naturally, it is unlikely that it will be possible to minimize the impact of negative factors, because they are unforeseen, but it is still possible to try to protect yourself from the consequences.

For this purpose, there is insurance for children as a way to share possible risks as they grow up. This type is currently voluntary, so each parent has the right to decide for himself whether to enter into such an agreement or not.

Children's insurance: description and meaning

First you need to understand what insurance for children is in general. After all, understanding and correct interpretation of the insurance object, the list of insured events and exclusions will not only help to avoid possible problems with the insurance company in the future, but will also explain the importance of this type of insurance.

Object of insurance

When talking about children's insurance, we directly mean insuring the child's life against an accident. At the same time, the object of insurance in such a contract is property interests caused by a threat to the life of a child due to the occurrence of an accident. The level of threat and consequences may be different, and in order to avoid double interpretation and subjectivity, the insurance company clearly states the list of insurance risks in the contract.

Insurance case

An insured event is considered to be the occurrence of an accident in which the insured child was injured. An accident, in turn, is an unforeseen, unpredictable event that does not depend on a person’s desire, which entailed a permanent or temporary impairment of his health. Thus, the very interpretation of this term explains the importance of insuring children against an accident, since no one can know about its occurrence in advance, but everyone can protect themselves from its consequences.

Insurance risks

Having figured out what is insured and in what cases, it is also important to study what risks are covered by accident insurance for a child. Thus, you can receive insurance compensation in the event that the accident entailed the following consequences for the child:

1. Traumatic injuries to the limbs and/or internal organs, including bruises, dislocations, fractures, sprains, and so on;
2. Temporary deterioration in health (for example, burns, poisoning and other diseases);
3. Assignment of the category “disabled child”;
4. Lethal outcome (death) of a child.

Attention! The above consequences must be documented.

Exceptions

It is important to understand that accident insurance for children, like any other type of insurance, presupposes the conscientious fulfillment of the obligations of all parties to the agreement. Even if one of the insurance risks occurs, but it is proven that such consequences occurred in connection with intentional actions or a suicide attempt, the insurance company will have the right to refuse payment on the basis of the law.

Concluding an accident insurance contract for children

Having decided for yourself the need to conclude an accident insurance contract for children, a simple visit to the insurance company and purchasing a policy is not enough. Children's insurance has several insurance programs, the gradation of which is determined by the volume of services provided and the cost of the policy itself. Thus, it is necessary, first of all, to decide which insurance program is suitable and most optimal, which will require studying the key characteristics of insurance policies.

Duration of the contract

The modern insurance market offers clients the opportunity to choose the duration of the contract. It is important not to confuse time with expiration date. So, for example, in the first case it is implied the introduction of a time frame during the day, that is, if an accident occurred at the specified (selected) time, then it will be considered insured, and at any other time the same consequences of the accident will not be covered.

The term of the contract means something completely different - it is the period of time during which the insurance policy as a whole is valid. Thus, time of insurance is a short-term concept, and term is a long-term concept.

The introduction of a time frame allows the insurer to apply a reduction factor when calculating the amount of the total insurance premium (insurance payment). For example, if a client is sure that his child is more at risk while at school, then he has the opportunity to select special conditions for the time and slightly reduce the expenses of the family budget.

Today, the following time frames are predominantly chosen:

• Period of stay in kindergarten;
• The period of attending school as a whole or individual lessons (such as chemistry, physical education, labor);
• Period of visiting the sports section;
• Evening time (for example, when the child is walking with friends after doing homework) and so on.

However, 24-hour insurance for children remains classic, because the exact time of an accident cannot be predicted.

Insurance at school

There are special insurance contracts for children against accidents at school. Naturally, at school, teachers are responsible for the state of health and life of the student, but if during the lesson this can still be somehow guaranteed, then during school breaks, especially active students are unlikely to be able to stay in one place. In addition, it is not difficult to remember my school years, when during breaks the school corridors and the yard turned into a place of fun and games. So it is physically impossible to ensure control over all students, and this, in turn, increases the risk of accidents.

However, in addition to the time frame, these agreements have other features:

• Policy validity period. This type of insurance provides for the use of not the standard validity period of the children's accident insurance contract - 1 year, but an individual one - 9 months. Exactly as long as the educational process lasts.
• Territory of coverage. It is important to read that when concluding such an agreement, not only the time frame and validity period of the agreement are introduced, but the area of ​​validity of such a policy is also limited. Thus, an accident will be considered insured only if it happened within the walls of a school or schoolyard, so children are not covered for insurance on the way to school or back home.
• Collectivity. Recently, collective insurance agreements are increasingly being concluded at schools, where the insured are students of a particular class or the school as a whole. At the same time, due to the mass availability, insurers usually provide more favorable conditions and the price of the insurance policy. However, this does not mean that only collective insurance at school is possible, because individual insurance services are also provided by all insurance companies.

The influence of a child’s hobby on the structure of an insurance policy

Each child is individual, so it is almost impossible to provide unified accident insurance for children. In addition to the fact that a child can be active on his own, his hobbies and the sections he attends are of particular importance. In this regard, the structure of the insurance policy itself is changing, and the list of conditions and the price of the latter are growing. This applies only to those hobbies that are included in the list of hazardous sports. Among them, the following are especially popular: football, basketball, judo, karate, boxing, weightlifting, gymnastics and many others.

Such contracts additionally stipulate the procedure for compensation in the event of an insured event during training or participation in a contest or competition. However, the client has the right to choose whether to include both the training period and the competition period in his insurance policy or not.

Firstly, this directly affects the cost of such a contract. And secondly, in some cases, there is a need to include the period of participation in competitions in the contract of the client’s absence, for example, due to playing sports “for oneself” or an extremely short period of time visiting such a section.

Possibility of reducing the insurance premium

Like any insurance, accident insurance for children can be made cheaper. Some of the methods have already been indicated earlier, but this is not the entire list.

So, if the client wants to slightly reduce the expenses of the family budget, when signing the contract, you need to pay attention to the following:

• Duration of the insurance contract. By dividing the insurance policy into periods of its validity, the insurance company's risks are reduced, which means the price is reduced. This is explained by the fact that the insurance service in this case is not provided to the client around the clock during the entire term of the contract.
• Conclusion of a collective agreement. Due to the scale of the transaction, the insurance company’s time and money spent on concluding a contract are reduced. This allows it to provide clients with more favorable conditions and lower insurance premiums.
• Exclusion of certain types of services. The client can also ask the insurance company to exclude certain types of services from the insurance contract. This feature may either be provided initially or require an agreement with the underwriters. At the same time, you can remove from the list of insurance coverage, for example, dentistry, vaccinations, a course of wellness massage, and so on.
• Using a franchise. The amount of the deductible determines how much money will be deducted from the total amount of insurance payment in the event of an insured event. Thus, if the deductible is 500 rubles, and the treatment cost 1,200 rubles, then the insurance company is obliged to pay the insured only 700 rubles. However, in this case, if the treatment cost less than 500 rubles, then no payments are made at all. By using a franchise, the client can choose how much he can pay for treatment on his own, while the cost of the policy decreases.

Thus, accident insurance for children can be made as affordable as possible for yourself and gentle on the family budget in completely legal ways.

It is important to understand that in every insurance company, accident insurance for children includes a procedure for resolving issues regarding compensation of funds in the event of an accident. Thus, it is necessary to follow a clear algorithm of actions to receive the insurance payment in full in a timely manner.

Procedure in case of an insured event

Each insurer prescribes its own rules, which must be read before signing the contract itself. In standard practice, the following procedure is used in the event of an insured event:

• Call the insurance company operator's hotline, provide personal information and describe the incident that occurred.
• Follow the operator’s instructions, in which the latter will tell you which emergency rescue service you need to contact in this case.
• Wait for the emergency service to arrive, which will record the fact of the accident, prescribe treatment, and so on.
• Collect all necessary documents and submit them to the insurance company. If approved, insurance reimbursement will be issued.

List of required documents

In order for the insurance company to reimburse the client, it is necessary to document the fact of the accident. The following documents are required:

1. Statement;
2. Document confirming the occurrence of an insured event:

• Certificate from the emergency room - in case of traumatic injuries;
• Medical report and copies of medical records - in case of illness;
• Confirmation from a medical commission - in case of assignment of a disability category;
• Death certificate - in case of death of a child.

In addition to the above documents, the insurance company has the right to require others, if specified in the insurance contract.

Life insurance for children. Video.

Without exception, all people face troubles and even dangers in everyday life. An unforeseen situation can happen to us at any time, fraught with injury, illness, temporary disability, hospitalization, etc. Danger can lie in wait on the road, in transport, while traveling, during sports, while walking and in other places where there may be various dangers. We worry about our family, friends, and especially our children. To protect your child from an accident, EUROINS has developed several life insurance programs for children against accidents.

Calculation of the cost of sports insurance for children

Protection and care means, first of all, paying attention to your child and preventing dangerous situations by any means. LLC RSO "EVROINS" offers profitable voluntary insurance programs for children of different ages. If a child or teenager is injured, suffers a temporary deterioration in health or poisoning as a result of an accident, the insurance policy will provide parents with financial support.

You can take out accident insurance for a child on favorable terms:

• The insured amount is determined by agreement with the insurance company and depends on the selected insurance company
• The insurance premium (payment for insurance) depends on various factors and the degree of risk. For example, if the insured child plays sports. This increases the risk of injury or serious injury, so the premium will be higher than the standard insurance plan.
• The insurance is valid in Russia or throughout the world.
• Protection operates 24 hours a day, 7 days a week.
• Insurance coverage upon the occurrence of an insured event is paid within the minimum period.

When choosing an insurance program, you can seek advice from a company representative - he will tell you in detail about which program is best to choose for your child. The specialist will also advise on all issues related to this type of insurance and the features of each program. The insurance program for children against accidents and illnesses can be selected for any period - from several days to one year.

What is an insured event: standard package of services

Each contract specifies a list of risks, upon the occurrence of which the insurance company makes a payment. Insured events are the following events that occurred as a result of an accident:

• temporary loss of ability to work or temporary deterioration in the health of the insured person;
• injury to the insured person - fracture, dislocation, bruise, burn, poisoning and other accidental events listed in the insurance contract;
• receiving disability;
• death of the insured person.

For children who play sports, EUROINS offers children's accident insurance online on its website. Advantages of online insurance:

• On the website you can quickly buy a policy online.
• Choose the amount of the insurance amount yourself.
• Choose the type of insurance and choose the optimal conditions.
• Select the insurance period – from several days to one year.
• Pay for the policy using a bank card from any bank.

How to act in the event of an insured event?

In order to receive the full amount due, you must strictly fulfill the requirements specified in the contract. Actions in the event of an insured event:

• Regardless of where and with whom the child is, you need to seek medical help and follow the doctor’s recommendations in order to reduce the consequences of the insured event.
• Notify the insurer about the occurrence of an insured event no later than 30 days from the date of the event. It is advisable to convey information as early as possible.
• Submit an application to the company in the prescribed form. Attach supporting documents (epicrisis, death certificate, extract, doctor's report, certificate of disability, etc.). Check with the company manager for a complete list of documents.
• When insuring a child, the policyholder receives the payment, and in the event of the death of the insured person, the beneficiary, that is, the person appointed by the policyholder, receives the payment. Typically, any relative is designated as a beneficiary - parents, grandparents or other relatives.
• When receiving insurance payment, you must provide an identification document. It is advisable to have the original contract with you.

The company considers customer applications in the shortest possible time. The client receives payment within 15 days after the insurer receives all the necessary documents and draws up an insurance act.

You care about the health and safety of your child - we provide reliable insurance coverage!