Astro Findings
Let us talk in this article about the duties of the insured person and the insurer under the life insurance contract:
The insurer is obliged:
Acquaint the insurer with conditions and life insurance rules;
Throughout two working days as soon as it becomes known about the approach of insured event to take measures concerning registration of all necessary documents for timely realization of insurance payment or insurance compensation to the insurer;
At insured event approach to carry out insurance payment in provided by the contract of life insurance term. The insurer bears property responsibility for untimely realization of insurance payment (insurance compensation) by payment to the insurer of the penalty the size of which is defined by life insurance treaty provisions;
Refund the expenses suffered by the insurer at approach of insured event concerning prevention or reduction of losses if it is provided by life insurance treaty provisions;
Under the statement of the insured person in case of realization some actions by him which have reduced insurance risk or increase in cost of property to renew with it the life insurance contract;
Keeping a secret data on the insurer and its property condition except for the cases provided by the legislation of each particular country;
The insured person is obliged:
In due time to make the insurance payments;
at the conclusion of the contract of life insurance to give the information to the insurer about all circumstances known to him which have essential value for an estimation of insurance risk and further to inform on any change of insurance risk (a state of health, hobbies, about working conditions and an activity kind);
Inform the insurer on other operating contracts of insurance concerning this object of life insurance;
Take measures concerning prevention and reduction of the losses put as a result of approach of insured event;
Inform the insurer on insured event approach in time, provided by life insurance conditions.
Order and conditions of realization of insurance payments:
Realization of insurance payments is spent by the insurer due to the contract of life insurance or the legislation on the basis of the statement of the insured person (its assignee or the third parties defined by the conditions of insurance) and documents confirming approach of insurance event.
Life insurance: refusal in insurance payments:
The basis for refusal of the insurer in realization of insurance payments under the life insurance contract is:
Deliberate actions of the insured person or the person in interests of which the contract of life insurance directed on approach of insured event is concluded. It does not extend on the actions connected with performance by them of a civil or office debt, in a condition of necessary defense (without excess of its borders) or protection of property, a life, health, honor, advantage and business reputation. Qualification of actions of the insured person or the person in interests of which the life insurance contract is concluded and it is established according to the current legislation of each particular country;
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Tags: compare house insurance, free insurance quotes, Insurance, insurance price, insurance price quotes
Posted in Insurance · March 6th, 2010 · Comments (0)
Medical insurance is the unique service. And also it is a paradoxical service. Frequently the person makes the decision on voluntary medical insurance only when insured event has already occurred. Psychologists explain such approach feature of human sub consciousness: nobody wishes to think about possible bad things that can happen to them, everyone is trying to push aside or prevent «unforeseen circumstances» on the future and it is even better to avoid them.
Medical insurance is a possibility of indemnification of damage without essential material losses from outside the victim. First of all, it is favorable. At medical insurance the person receives much more than has enclosed. And I am not talking only about money, but it is something more important, because it is the sensation of confidence, security and calmness and it means a lot and especially now. After all, despite of all protective mechanisms of sub consciousness, circumstance happen all the time adnd nobody can predict them!
How do you think in what country the concept «medical insurance» was born? Probably, it is easier to tell, in what was not born. In Germany in 17 century handicraftsmen have organized the first insurance hospital cash desks. It was the public voluntary organization which supported insurers and their families in case of illness or loss of the supporter.
During the period from 1883 to 1917 insurance laws in the majority of the states of Europe have been established. Today in many countries medical insurance is obligatory and it rather differs from the system which has appeared four centuries ago. In the western states the insignificant percent of citizens pays independently for the insurance.
The care of your health and the health and well-being of the family becomes an integral part of the modern successful person. The insurance companies offer you the complex program of medical insurance which will help you and your relatives to protect from contingencies for payment of medical aid and medicines in case of disease; and also to keep well-being at former level in case of reception of a trauma, physical inability or death approach.
Voluntary medical insurance of physical persons:
The system of medical insurance fairly is considered the most effective way of protection of the family from unforeseen medical expenses. Besides, all over the world the policy of medical insurance is indispensable attribute of respectability and success of its owner.
Programs of voluntary medical insurance allow to lower essentially expenses (economic, time, resource) on medical aid and to shift responsibility for its maintenance on experts of the company.
Programs of voluntary medical insurance assume an individual approach to each client. It occurs both at a stage of purchase of an insurance policy and throughout all period of service.
Now the part that is very important for your search of the insurance price quotes…
It is simple: a final piece of advice – today the web technologies give you a truly unique chance to choose exactly what you require at the best terms which are available on the market. Funny, but most of the people don’t use this opportunity. In real practice it means that you should use all the tools of today to get the term life insurance price quote info that you need.
Search Google or other search engines. Visit social networks and check the accounts that are relevant to your topic. Go to the niche forums and join the online discussion. All this will help you to build up a true vision of this market. Thus, giving you a real chance to make a smart and nicely balanced decision.
P.S. And also sign up to the RSS on this blog, because we will do the best to keep updating this blog with new publications about insurance price quotes and other topics of the big and versatile insurance industry.
Tags: compare house insurance, free insurance quotes, Insurance, insurance price, insurance price quotes
Posted in Insurance · March 6th, 2010 · Comments (0)