Non-standard types of insurance in Russia

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

Life, he alth, property insurance against various risks has long been part of our lives, has become part of everyday life. In this article, we will deal with the main types of insurance and highlight the most specific, non-standard, unusual categories from among them.

Main types of insurance in Russia

First of all, insurance contracts are divided into 2 types:

• Required. Such insurance is enforced by the law, and ignoring its requirements leads to appropriate pen alties. This category includes OSAGO, insurance for passengers, CHI.
• Voluntary. An insurance contract is concluded solely at the request of a citizen.

What other types of insurance are there? It can also be individual or group, and payments on it - a lump sum or as an annuity. By determining the amount of compensation, there is a proportional compensation (any agreed part of the damage) and a first-risk system (all damage is paid within the agreed sum insured).

According to Chapter 48 of the Civil Code of the Russian Federation, typesinsurance in the Russian Federation are divided into 4 categories:

• property;
• personal;
• responsibility;
• business risks;
• in the light of recent trends, specific ones are additionally highlighted.

Let's take a quick look at all the voiced types.

Property insurance

This category includes three types of insurance:

• real estate (including engineering structures inside the insured premises);
• vehicles (both in case of complete destruction and damage);
• cargo (during transportation, unloading, storage).

Personal insurance

One of the most widespread and complete types of insurance in Russia. It refers to:

• life insurance (more recently, endowment life insurance has also been included here);
• accident insurance (injury, illness, deprivation of an organ or part of the body, disability, death);
• medical insurance (compulsory medical insurance - mandatory, VHI - voluntary);
• minor insurance;
• insurance for pensioners (compensation is available for receipt only upon reaching retirement age) - mandatory and voluntary;
• insurance for passengers of various modes of transport;
• employee insurance.

Liability insurance

This category is very versatile. Let's listrange of insurances it includes:

• civil liability for causing any harm to third parties;
• responsibility for the quality of manufactured goods;
• responsibility for non-fulfillment of obligations to the creditor;
• professional liability - for causing harm to clients, consumers by an employee;
• civil liability of organizations, enterprises that are a source of increased danger;
• civil liability of various carriers - urban, rail, air, water transport, metro, etc.;
• OSAGO.

Business insurance

This includes insurance:

• financial guarantees;
• loss or damage to company property;
• investments;
• risk of default;
• deposits;
• export credit.

Insurance of non-standard risks

Non-standard types of insurance are quite interesting:

• construction activities insurance - developer liability;
• agricultural;
• international (to access the medical services of world clinics, as well as for citizens who often travel abroad);
• collective (insurance of several persons as one whole);
• titular (risk of loss of ownership by court order);
• insurance of risks associated with financial investments;
• political risks(the influence of factors related to the policy of a particular state on the transaction).

Let's move on to special cases of specific insurance.

10 Unusual Types of Insurance

Let's turn to the world practice of non-standard types of insurance - consider the world ranking of the most unusual categories, compiled by the Dutch company Hullberry Insurance:

1. Insurance for rising fuel prices. For 19.95 euros, you can conclude an insurance contract that provides for compensation for additional expenses in case of an increase in the cost of gasoline by more than 15%.
2. Slammed door. Insurance against such embarrassment will cost about 18 euros annually. In the event of an insured event, you can receive up to 100 euros.
3. Stuck in an elevator. Such an agreement with an insurance company will cost from 12 to 28 euros per year; compensation - 75 euros.
4. Lottery losing streak. If the insured person purchased an unlucky lottery ticket 52 times in a row, then he can receive a "consolation prize" from his insurer - 2500 euros. The insurance contract will also cost 12-28 euros.
5. Introduction of Prohibition. Compensation from the insurance company will be 500 euros for the same standard 12-28 euros per year.
6. Wrongful imprisonment. Compensation for this extremely unpleasant situation will be the amount of 500 euros. The price of risk insurance is 12-28 euros annually.
7. Rejection at the altar. If the insured's fiancee or fiancé stuns the poor man with an unexpected "no", thenthe latter can count on the amount of 100 euros from his insurance company.
8. Caught by a hidden camera. Those who are extremely unwilling to become the involuntary hero of the video can conclude an agreement (again 12-28 euros per year), according to which you can count on compensation of 1000 euros.
9. Someone else's child. If a man does not completely trust his missus, and DNA tests confirm his suspicions, then he can receive 500 euros as compensation from the insurer.
10. Abduction by alien beings. Compensation for such a strange and incredible incident will be 5,000 euros. At the same time, one of the conditions of the contract is the provision of relevant documents from doctors and air and space forces.

Non-standard types of insurance in Russia

Now let's turn to unusual categories of insurance in our country:

• Pet insurance. Smaller brothers can be insured against death, theft, murder. The insured must be he althy, registered in a cattery, have the necessary vaccinations, be at least 3 months old and not older than 12 years old - cats, 9 years old - dogs.
• Industrial espionage insurance. An insurance contract for businessmen who fear the criminal acts of their employees is one of the types of non-standard insurance in Russia.
• Property insurance against a meteorite fall on it. This type of insurance became relevant after the incident in Chelyabinsk in February 2013.
• Insurance against the consequences of a tick bite. The insurance contract includescompensation for the removal of the animal, its examination for the carriage of dangerous viruses, medical assistance, the cost of medicines.
• Insurance policy "Wedding". This contract insures against a number of cases: bad weather, sudden illness of the newlyweds, absence of the photographer, driver, toastmaster and other necessary persons, etc.
• Insurance against the risk of not traveling abroad. For those who are afraid that emergency circumstances - a serious illness, a court case, a visa delay - can disrupt an important trip, this non-standard type of insurance will come in handy.
• Dismissal insurance. In an era of crisis in our country, such insurance is very relevant - especially for citizens who pay long-term loans, and for banks that issue such loans.

To the main traditional types of insurance in Russia and the world more and more often non-standard, specific ones are added. Some of them seem unnecessary and incredible, and some of them fully take into account the conditions of modern realities.