Life and health insurance for children. Life insurance for children against accidents How to tell younger children about insurance

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.

The appearance of a baby in a family means, first of all, responsibility for the health and life of the little person. After childbirth, the main task of parents becomes not their own safety, but the well-being of their little son or tiny daughter. On the long journey of learning about the world around us and growing up, a child faces a lot of dangers and unforeseen situations. How to reliably protect your child from everything in the world?

Children's health insurance

Today in Russia, insurance for newborns is a mandatory measure, which is established at the legislative level by decision of the government.

Until the parents insure the new baby, it is covered by the insurance policy of the mother or father.

In the future, if adults are not satisfied with the protection provided by Compulsory Health Insurance, the law provides for the possibility of purchasing a Voluntary Health Insurance policy with wider options regarding the level of security.

The main objective of insurance policies is to ensure that a young citizen receives qualified medical care immediately after the need arises. Of course, some services are not included in the scope of compulsory medical insurance coverage, but compulsory insurance is guaranteed to provide the minimum necessary base of medical services.

Compulsory child insurance

The compulsory medical insurance policy applies even to uninsured, newly born babies. In accordance with the law, little Russians born into the world fall under the care of an HMO (medical insurance organization), in which the mother, father, or other representative of the baby, determined in accordance with the law, is insured.

After receiving a birth certificate and completing the state registration process and before reaching the age of majority, or upon attaining full legal capacity, a compulsory medical insurance policy is issued to the child by a medical organization chosen by the child’s parents or legal representative.

Children's insurance policy

Purchasing a voluntary health insurance policy is possible for any child, regardless of age and health status. Many parents, along with the compulsory medical insurance policy, immediately enter into a voluntary insurance agreement in order to maximally protect their long-awaited child from all possible dangers.

As usual, a voluntary health insurance policy is issued for a period of 1 to 5 years, during which parents are obliged to promptly transfer the amount of insurance premiums specified in the contract at a certain frequency. The signed agreement provides for the payment of compensation in cases where the child is injured or requires medical attention. Common childhood diseases are not included in the compulsory medical insurance program.

Social insurance for children

Children's social insurance is based on the same principle as pension insurance, but unlike the latter, it is voluntary. The implementation of the program is based on the principle of accumulation. Children's social insurance not only solves the problem of protecting health, but also acts as a good alternative to a traditional bank deposit. The size of the contribution is determined by the period of signing the contract and the amount fixed in the insurance policy.

Upon completion of the child’s social insurance period, the accumulated amount is paid to the company’s client along with the accrued interest. In standard contracts, the age of the child is mandatory, the achievement of which becomes the basis for payment of the insurance amount; sometimes the needs for which the collected funds will be spent are also indicated.

Accident insurance for children

In children's insurance, there is a list of cases in which parents have the right to count on receiving financial assistance:

1. Injuries and illnesses resulting from natural disasters, explosions, lightning strikes or burns.
2. Animal bites and attacks, damage caused by intruders.
3. Foreign bodies entering the respiratory system, poisoning with low-quality medicines or food.
4. Acute diseases.
5. Determination of disability due to an accident.
6. Sprains, severe bruises, fractures, injuries of varying severity.
7. Death due to anaphylactic shock, drowning or trauma.

Child life insurance

The amount of insurance payment depends on the severity of the injury the child received. But any scratch or bruise cannot become a reason for compensation. Most contracts define a key condition – the need for treatment. In some cases, even the minimum required period of therapy is indicated. Some companies focus on maximizing the number of micro-traumas a child can experience. Regarding severe cases, the contracts indicate the procedure for payments, as well as their maximum full amounts.

Advice from Sravni.ru: Most parents don't even want to think about the possibility of an accident and try to enjoy the day. This lifestyle sooner or later results in financial difficulties that arise due to the need to spend money on expensive treatment for the baby. Confidence in the future is the main advantage that an insurance policy provides. Child health and life insurance provides mothers and fathers with a unique opportunity to avoid an exorbitant financial burden in case of serious or not so serious problems with the baby’s health.

Providing a child with “starting capital” for adulthood is not easy. Not everyone is able to save money for years, but you really want to create a reliable financial foundation for your son or daughter! Insurance companies understand this and offer an interesting service – endowment life insurance for children.

What is endowment insurance for a child?

This is similar to a long-term deposit in a bank. The parent (guardian, relative) enters into an insurance contract and names the child as the insured person. While the contract is in force, the insurance amount accumulates in the insurance company’s accounts. It consists of contributions from parents and income from the investment of the insurance company itself. When the contract expires, the child receives the sum insured and interest on the investment.

What is the “insurance” element here? The fact is that when concluding the contract, those insured events are determined in the event of which the parent or child will receive compensation.

How does endowment life insurance work for children?

So, there are two components: “savings” and “insurance”. The contract is concluded for a long period (standardly from 10 to 18 years), during which time you can save up to several million rubles for your child. As a rule, the child receives this money upon reaching adulthood. You can spend them:

• to study at a university;
• to buy an apartment;
• for a wedding;
• for other purposes, specified or not specified in the insurance contract.

A lot will happen in 10-18 years: what if the policyholder (i.e. parent, relative, guardian) gets injured, becomes disabled or dies? These cases are provided for in the contract:

• after an injury or accident, the policyholder receives payment for treatment;
• in the event of disability or death, the insurance company will pay contributions in his place (more on this below).

Depending on the type and terms of the contract, payments may also be made in case of an accident with a child. However, first of all, the endowment insurance contract is aimed at ensuring that save the insurance amount for the baby– regardless of what happens to his parents.

Example

Olga is a single mother. She entered into an endowment insurance agreement for her son, who recently turned 1 year old. The insurance will be valid for 17 years (until the son comes of age), during which time 3.5 million rubles will accumulate in the insurance company’s account. Her son will receive this money when he turns 18.

Olga includes additional conditions in the contract: insurance against accidents and serious illnesses. Now she can count on an insurance payment if she is hospitalized due to an injury (fall, broken arm or leg) or due to a critical illness - heart attack, cancer, etc. Over the course of 17 years, Olga actually contacted the insurance company a couple of times: once she got into an accident and received a concussion, and another time she suffered a stroke. In both cases, the insurance company paid her the cost of treatment.

A woman could include insurance protection for her child against accidents in the contract. Then her son would also be paid compensation if he were injured during a walk, training or sports competition. But the fees would have become unaffordable for Olga, and she abandoned this idea.

When the term of accumulative insurance under the contract expired, Olga’s son received 3.5 million + 150 thousand rubles in income from investments.

Conditions for children's savings insurance

Any adult has the right to enter into an agreement, no matter who the child is related to. His age must be from 18 to 55-60 years (depending on the requirements of the specific insurance company). The age of the insured child can range from six months to a year to 15-17 years.

The contract specifies:

• guaranteed amount of the insured amount (how much the insured will receive without taking into account interest on investments);
• level of guaranteed profitability (usually from 3.5%);
• size and frequency of contributions (contributions under the children's savings insurance program occur quarterly, annually or every 6 months);
• validity;
• insurance cases;
• various additional conditions.

Important! If a parent or guardian dies or becomes disabled and can no longer pay contributions, the insurance will still be valid. This is possible thanks to the option of exemption from insurance premiums - most insurance companies include it in the contract “by default”. This condition is the main feature of children's savings insurance. Since anything can happen in 10-15 years, such a guarantee serves as powerful support for policyholders and children.

The meaning of savings insurance

Essentially, this is a passive source of income and a “financial cushion” for the future. There is no need to talk about stability now: there is a crisis in the yard, and it is difficult to predict the development of events. Endowment insurance gives confidence that the child will receive starting cash support, regardless of everyday storms.

Such insurance is especially relevant for poor people, because it often becomes the only opportunity to arrange the future of a son or daughter. Endowment insurance contracts are concluded by grandparents, as well as divorced parents. In addition, this is a good opportunity to transfer savings personally to the child, bypassing unwanted relatives. After all, relations between divorced spouses and their relatives are often strained.

Other types of child insurance

In addition to accumulative insurance for children, there is voluntary health insurance and accident insurance.

• not much different from an “adult”. The principle of operation is the same - the child undergoes treatment in reputable clinics, and the insurance company reimburses medical expenses. Children's VHI policies include visits to the child by doctors at home, treatment sessions with specific children's doctors (for example, a speech therapist), etc. Voluntary health insurance is often “combined” by age - there are programs for infants, children from 4 to 13 years old, teenagers from 14 to 18, etc.
• – the type of insurance protection that is relevant for child athletes. The policy can be valid for a whole year or only on competition days, around the clock or during training and competitions. There are also expanded versions of insurance that include “exotic” insured events: insect and animal bites, poisoning. If your child goes on a hike or travels with you on a long journey, such a policy will be useful to him.

Both types of insurance are useful: unfortunately, children often find themselves in critical situations, and the matter is not always limited to bruises and abrasions.

Do not rush to conclude an insurance contract, no matter what type of insurance it relates to. Compare the conditions of the largest insurers, find as much information as possible about various insurance companies. The main thing is to choose a company that will definitely not go bankrupt or leave the market for other reasons over the next 10-20 years (especially when it comes to endowment insurance).

92 05/15/2019 5 min.

Insuring the life and health of a child is a reliable way to protect them from the consequences of almost any unforeseen situations. The contract is concluded between one of the parents and the insurance company. In addition to the usual compulsory medical insurance policy, there are many specific programs designed specifically for voluntary insurance of children. Such a policy has a long-term effect. At the request of parents or other family members, it is concluded from any age until adulthood.

If the insured event does not occur, after 18 years the insured is paid 100% of the amount specified in the contract. The policy simultaneously serves as a savings program that allows you to provide the child with “start-up capital” for education and other purposes. The maximum contract can be concluded for a period of up to 21 years.

What does it mean

A children's insurance policy is guaranteed medical care and compensation for treatment costs. The main insured risks are injury, established disability due to an accident or illness, as well as loss of a breadwinner. Insurance risks also include complete disability of the policyholder. In this case, he is immediately released from paying insurance premiums. After the contract expires, the entire agreed sum insured will be paid.

For each insured event there is its own procedure for insurance payments. Their maximum volume and terms are specified in the contract.

The beneficiary is a child under 18 years of age. After concluding the contract, the insurance company undertakes to charge interest on insurance premiums. Insurance payment under the terms of the contract is carried out in 2 cases:

• upon the occurrence of an insured event;
• after the expiration of the contract.

Depending on specific goals, parents can choose a savings or risk type of insurance.

Children recognized as incompetent are not subject to insurance.

In what cases is it relevant?

A children's insurance policy will allow parents to protect their child from the consequences of such unforeseen situations:

• sports injuries;
• traumatic injury (bruises, dislocations, fractures, sprains);
• temporary health disorder (poisoning and others);
• receiving disability;
• death of an insured child before adulthood.

The main insurance risks include:

• explosion, fire;
• natural disasters;
• consequences of an accident (suffocation, drowning, frostbite);
• heat or sunstroke;
• lightning strike;
• other electrical injuries.

Insured events also include:

• health damage caused by animals;
• harm caused by the illegal actions of other people;
• injuries that were received unintentionally;
• injuries sustained while playing sports;
• exacerbation of chronic diseases;
• development of acute diseases.

The survival of a child until the expiration of the contract is also an insured event. The insurer assumes all responsibility in these cases. Insured events are not:

• child suicide;
• damage caused by exposure to radiation.
• accident as a result of alcohol or drug intoxication;
• severe neurological and psychiatric diseases;
• HIV infection and AIDS.

In these cases, the insurance company has the right to refuse to pay the insured amount.

Not only parents, but also other family members can become policyholders. Adoptive parents or guardians also play this role.

Types of insurance policies for children

As for adults, there are 2 main types of insurance:

• mandatory(compulsory medical insurance policy);
• voluntary(special programs for children).

Registration of a compulsory medical insurance policy for a newborn in Russia is mandatory according to the federal law of November 29, 2010 N 326-FZ “On compulsory health insurance in the Russian Federation.”

Read about mandatory and voluntary insurance.

Until the conclusion of the contract, the child is protected by the insurance of the mother or father.

This type of insurance provides high-quality medical care in the following areas:

• pediatrics
• gastroenterology;
• neurology;
• otolaryngology;
• ophthalmology;
• rheumatology;
• urology.

These also include endocrinology and gynecology. When urgent cases occur, these are the following areas of surgery:

• abdominal (interventions in the abdominal cavity);
• neurosurgery;
• cardiovascular;
• thoracic(chest organs);
• maxillofacial;
• transplantology;
• combustiology (severe burn injuries).

Read also about Federal Law 326 on compulsory health insurance in the Russian Federation.

By duration:

• regular;
• temporary(for any specific case).

Main types of voluntary insurance:

• cumulative;
• until adulthood;
• medical (policy for children).

Endowment insurance forms an investment fund from monthly contributions made by the policyholder. Such programs allow low-income families to take care of their future immediately after the birth of a child. The contract, at the request of the policyholder, indicates the purpose for which the insured amount will be spent.

Insurance until adulthood is suitable for children aged 6 months to 15 years. Insured events are the risks specified in the contract, as well as the very fact of surviving to 18 years of age. Payments are not made if the insured person commits suicide or intentionally injures himself.

When insuring before adulthood, the contract may be terminated early at the initiative of the policyholder.

The accident insurance program allows you to choose a subtype that suits your child’s lifestyle. The basic list includes events such as outdoor games, school physical education lessons and sports. The list of insured events does not include intentional actions, suicide of a child under 14 years of age and other emergency situations.

With sports insurance, a policy can be purchased even for a period of one day. For example, for a child’s participation in competitions. The maximum duration of the contract does not exceed 1 year.

How to apply

When applying for a voluntary insurance policy, the age of the parent or the person replacing him also matters. At the time of concluding the contract, he must be at least 18, but not more than 70 years old. Most large insurance companies in Russia have special programs for children. Each program has its own list of documents that must be provided.

In some cases, the policy is issued as quickly as possible. This does not even require certificates about the child’s health status.

Documentation

To conclude a contract, you must provide the policyholder with the following information:

• last name, first name and patronymic of the insured child;
• Date of Birth;
• address data(child’s place of residence);
• Parents' contact numbers.

When applying for a compulsory medical insurance policy for infants, you will need to write an application. The following package of documents is attached to it:

• child's birth certificate;
• passport of one of the parents;
• child.

If other family members take out the policy, you will also need a power of attorney to register as the policyholder.

In the case of voluntary insurance programs, the list of required documents varies. You should first find out the necessary information on the website of the selected insurance company or at its office.

Insurance premiums

Depending on the type of insurance chosen, the insurance premium can be paid according to the following scheme:

• one-time;
• monthly.

A monthly contribution scheme is often used for savings plans. The policyholder can also choose the amount of the sum insured, which will be specified in the contract.

Receipt of funds if the insured event does not occur

If at the end of the contract the insured event has not occurred, the policyholder is obliged to pay 100% of the amount. Most often this happens when the insured person turns 18 years old. To do this, you need to contact the insurance company with an application and an insurance policy. Within the period established by the contract, the insurance company is obliged to return the insured amount.

If we are talking about the end of the contract for a minor child, the insured amount is paid to the policyholder.

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conclusions

Provides reliable protection against accidents and other risks. In addition to the basic compulsory medical insurance policy, there are various voluntary insurance programs intended exclusively for children. Read how to get a compulsory medical insurance policy for newborns. In this case, one of the parents or another family member becomes the policyholder. If necessary, an insurance contract is also concluded with the child’s guardian.