Insurance of children against accidents and illnesses. Compulsory accident insurance for children

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

When a child is born, family life changes completely. Now parents are responsible not so much for themselves, but for the new life that they let into this world. In the process of growing up, a little man very often faces many dangers and unforeseen situations. That is why society is increasingly raising the question that it is necessary to introduce compulsory insurance of children against accidents. Of course, it will not save 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 himself whether he needs insurance or not. For children, of course, until they come of age, this decision must be made by the parents.

Who needs an insurance policy

To date, insurance againstaccident of children of school and preschool age is a matter of voluntary.

Accident is an unforeseen, unpredictable circumstance that does not depend on the will of the insured, resulting in a permanent or temporary impairment of he alth. From the foregoing it is clear that although no one wants this very event to occur, everyone must protect himself from its consequences. This is precisely the essence of the insurance policy - if something happens to your child, God forbid, the responsibility, at least material, will be shared with you by the insurance company.

Child insurance may be paid out due to:

• traumatic injury - getting bruises, fractures, sprains and dislocations, damage to internal organs;
• temporary unforeseen he alth disorder - poisoning, burns and other similar diseases;
• disability of any degree;
• fatal outcome (death) of a minor child.

Insurance contract can be concluded in respect of a child from one to 17 years of age.

Subtleties of the child insurance contract

You can buy a policy immediately after the birth of a child, the contract can be concluded for one year or 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 common ailments such as SARS,except in those cases where the disease has arisen as a result of an accident. For example, if a child is accidentally poisoned and develops an ulcer as a result, the insurance company will pay for the treatment of this disease.

Also, accident insurance for children in sports also has some features. Here you need to be very careful, especially 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 spelled out in the contract. One option would be competition coverage, which is cheaper but will not cover the cost of treating an injury sustained during a regular training session.

Policies. What are they like

Now let's talk about exactly what accident insurance for children can be. All VHI policies (voluntary medical insurance) 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 received by a child at any time of the day. A temporary policy protects your child, for example, in such cases:

• in the evening, while walking;
• while attending a certain lesson - chemistry, physical education, labor training;
• for the period of being in kindergartenor school;
• while visiting the sports section.

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

• parents enter into a long-term contract with an insurance institution, for example, until the child reaches the age of majority;
• monthly for the entire period of time, parents transfer a small amount specified in the contract to the account of the insurance company;
• at the time of the occurrence of the insured event, the company covers the costs of treating the child and makes all payments due;
• if nothing happened to the insured child during the entire period 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 most popularity today, as it not only protects the child, but also allows you to quietly accumulate a rather impressive amount, for example, for his education.

School insurance

It is especially important to insure children against accidents and illnesses during their visits to educational institutions. Although teachers are responsible for the child at school, they are simply not physically able to keep track of so many children at the same time. Have you ever seen a student who is able to sit in one place at the time of the call from the lesson or a child who neverrunning or not pulling pigtails or a knapsack of his own kind? There probably are, but this is rather an exception.

That's why many insurance companies offer special policies that guarantee extra protection for your child during school hours. The duration of such policies is usually an academic year - 9 months. They guarantee a payout if your child is injured while in school, but your child is not protected on the way to and from school.

Policy cost

Children's accident insurance can include many risky items. The cost of the policy will depend on their number. The more items you want to include in the contract, the more you will have to pay.

The cost of an insurance policy can start from 100-150 rubles a month, the highest bar can be 20-30 thousand rubles a year or more. What to choose and how much to pay - you decide.

How to reduce the cost of the policy

As you already understood, accident insurance for children and schoolchildren can be both quite cheap and very expensive. If you are not short on funds, very good. And what about those who want to insure their child, but are not quite financially we althy? There are several ways to reduce the cost of the policy. Here are some of them:

1. Try to organize collective insurance, for example, have a conversation with parents and insure all at onceClass. In this case, you can count on a significant discount.
2. Carefully read the contract and exclude from it those items that do not suit you. For example, many companies include mandatory vaccinations or a monthly he alth massage course in the contract.
3. Exclude dental services from insurance cases - it is very expensive, it is easier if you need to treat them yourself.
4. Pay attention to the franchise - this is such a minimum amount, the costs of which 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 the treatment costs, for example, 800 rubles, then the policy will cover only the difference - 300. If there is no deductible, insurance costs more.

How much can you get

Child accident life insurance provides for partial or full payments, it all depends on the severity of the injury. The maximum compensation is usually provided in the event of a disability or death. Of course, the less the policy cost, the lower the amount of insurance payment will be. It can be roughly 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 alleged compensation cannot be more than 2 million rubles.

What needs to be done to receive insurance payouts

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

Children's accident insurance usually provides that from the moment of the accident, you must notify the company in any way available to you within three days.

In order to receive a payment, you need to provide to the UK:

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

Such documents may include:

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

Also, the insurance company may request additional documents confirming the occurrence of the insured event.

How to draw up a contract

Accident insurance for children, as well as any other type of insurance, is a fairly simple matter. You will need to follow a series of simple steps:

• choose an insurance company;
• carefully study all the options and conditions for the provision of services (preliminary consultation can be obtained by phone or by visiting the company's website);
• choosesuitable insurance program;
• prepare the package of documents necessary for the conclusion of the contract (usually only a passport and birth certificate of the child are needed);
• conclude a contract and pay for it.

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

Choose an insurance program

If you still decide to take out accident insurance for your child, the reviews of those who have already used the services of a particular insurance company will help you make the right choice. What to look out for:

1. Choose an organization with a proven track record, read reviews about it from other clients. Especially pay attention to the negative ones - it is in them that 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 the same time, 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 fine.

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, let alone his child. However, it is better to protect the child from accidents as much as possible.