Insurance of prisoners and convicts: conditions and tariffs. Insurance company "Rosmed"

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

The practice of life and he alth insurance is gaining popularity again today. If since the beginning of the 90s it has practically sunk into oblivion, today most families conclude contracts for the life insurance of the main breadwinner, so that if something happens to him, the family is not left without a livelihood. But today I would like to raise a topic that is practically not discussed anywhere, namely, insurance of prisoners. What they are en titled to and in what case they can receive payments, let's figure it out together.

First practice

Our society came to this relatively recently. Prison insurance has been under development so far, and even today not every company is ready to conclude such an agreement. However, the problem of treatment of people who are serving sentences is quite acute. People are subjected to illegal actions in their direction, are subject to beatings and humiliation, which leads to illness or even death. Therefore, prisoner insurance is not a fashion trend, butnecessity.

How it works

Even before the verdict, at the time of imprisonment in a pre-trial detention center, you can contact the Rosmed company, which will conclude a short-term contract with the person under investigation. From the moment of transfer to the colony, it will be necessary to re-close it. After the prisoner's insurance is issued, he will receive a policy. Now, if a person is beaten, injured or becomes seriously ill, he will be taken away from the places of serving a sentence for an independent examination.

Moreover, according to the conditions, the insurance of prisoners takes place with the responsibility of the institution in which the person is kept. That is, if bodily injuries are discovered and it is found out that employees of the correctional institution were involved in this, material funds will be recovered from the head for such behavior of his employees.

General information

Insurance company "Rosmed" has developed a special system, thanks to which the relatives of the convict can take care of his well-being. The insurance contract is concluded directly with his relatives. Since they are at large, they can contact the insurance institution and provide documents.

However, most often the question of prisoner life insurance arises after information is received from a loved one about bullying by security officers. But it is much better if you take care of it in advance. In this case, one copy of the policy is sent to a personal file, which is kept by relatives. It's alreadybecomes the reason that the attitude of the administration towards the prisoner will be more humane, because no one wants conflict situations and fines.

Misconduct Prevention

Insurance company "Rosmed" conducts a thorough investigation of each specific case. In some situations, responsibility will also extend to the PS, primarily to the head. He will be punished for his cruel treatment of a prisoner. Thus, simply concluding a contract with an insurance company is an excellent method of dealing with the actions of employees of the IU. Do not forget that the payment of compensation is expected only in the event of an insured event, which is discussed in the terms of the contract.

What cases are covered by payments

He alth insurance concerns not only the possibility of beatings and bullying by the staff of the colony. The conditions of imprisonment can severely undermine the immune system, as a result of which a person acquires a serious disease. In this case, the insurance covers the costs of treatment and recovery. In addition, the list includes a number of other cases, but it may differ depending on the amount of insurance. The standard set includes tuberculosis disease.

Directed by necessity

If initially he alth insurance was voluntary, today this measure has become mandatory. According to the legislation of the Russian Federation, state insurance is provided free of charge for all categories of citizens in custody. All convicts are involved in labor, andrespectively, should be involved in the insurance system. If a person has lost his ability to work while doing socially useful work, then he is en titled to compensation at the state level.

Tariff rates

Now let's take a closer look at what cases the insurance of prisoners and convicts covers.

• Harm to he alth as a result of illegal actions of employees of organs. The tariff rate is 0.23% of the sum insured.
• He alth damage as a result of an accident. Payouts 0.99%.
• Disability, that is, permanent disability. The tariff rate is 0.19%. In this case, the fact is considered that the cause was the actions of the employees of the penitentiary.
• Disability due to accident. Rate 0.71%.
• Death as a result of illegal actions of employees of the penitentiary. Rate 0.3%.
• Death by accident. Rate 1.28%.
• Primary TB diagnosis - 3.16%.
• Death due to newly diagnosed TB - 0.94%.

Term of contract

Discussed individually, depending on the wishes of customers. Usually, when concluding a contract for less than a year, tariff rates are slightly reduced. Additionally, each of us needs to be able to operate with special terms. The sum insured is exactly the part for which the insurance was concluded. The insurance premium isthe amount that you have to pay in order to receive the insurance amount in the event of the events described above.

For example, if the amount is 50,000 rubles (the affected person will receive this much), then the cost of drawing up the contract, that is, the premium, will be 2,500 rubles. That is, the greater the sum insured, the greater the payment, and hence the degree of human protection.

The cost of insuring prisoners depends on what cases are stipulated by the terms of the contract. Some companies may offer to simultaneously conclude a contract for the provision of legal services. This is how we help you represent your interests in court. If a person does not have money, then he can use standard insurance, which protects against the arbitrariness of the administration of the penitentiary.

Insurance in Russia

Today in our country there are several types of insurance:

• Temporary disability benefits, such as maternity benefits.
• Pensions for old age and disability.
• Compensation payments in connection with illness or beatings inflicted within the walls of the UiS. But there is a nuance here, in order to receive disability benefits, this fact must be associated with an illness or injury that occurred while serving a sentence.

Each person can receive them if the occurrence of an insured event is proved.

In what cases a person will not receive payments

It should be understood that every prisoner may have thoughts to create conditionsfor the occurrence of an insured event and receive money. As a result, deliberate provocation of employees to illegal actions can be used. There were cases of beating a cellmate, but the results were passed off as an attack by a guard. There may also be intentional infliction of harm to he alth in order to evade work.

In addition, an insured event does not occur if:

• It occurs during a medical examination or stay in a medical facility.
• If the disability occurred when the prisoner was suspended from work due to a violation of the order, or during the suspension of work.
• If the injury was caused to a person when they committed a serious offense or malicious act.
• When the regimen set by the doctor during the course of treatment was violated.

Carefully read the contract

Be sure to discuss with the agent all the details and ask to list the entire list of cases when you can use the sum insured. The specialist must clearly distinguish between cases that involve the payment of money, as well as those that do not fit this definition.

The insurance contract assumes a free contribution amount, at the discretion of the insured. It can be five thousand or a million rubles. Payment will be 5% of the specified amount. If we are talking about tuberculosis, then the percentage rises to 8%. The contract will be valid while the convict is in the territory of the correctional facility.

Process

Companies that enter into such agreements are very few. In many cities of the Russian Federation there are only branches of Rosmed. At the same time, the relatives of the convict need to discuss the nuances of insurance not only with the company, but also with the administration of the penitentiary. This is necessary so that there are no problems when examining the prisoner by an expert. It doesn't take much time to complete. The maximum is five days. One original of the documents is kept by a relative, the second in the personal file of the convict, in the colony. They can give him a copy in his hands.

Required data

Since it will not work to call a person serving a sentence, you need to collect information in advance. You will need his last name, first name and patronymic, date of birth and passport details. In addition, it is important to know the address and index of the institution where it is located, as well as the name of the head of the PS. The contract also contains the details of the person who is the beneficiary. It could be a wife, a child, a parent. His full name, passport details and residential address are entered.

How payout works

If an insurance situation has occurred, you must notify the company and provide documents that confirm your words. These can be acts, protocols, the conclusion of a medical examination. Based on these documents, monetary compensation will be calculated. If the fact of beating is proved, then a one-time compensation payment will be charged. In case of disability, payments will be long-term, and may be assigned for life.