The life and health of an individual in the event of an accident, illness, disability or death. The beneficiary can be either the Bank or another person determined by the insured.

Insurance cases

• Death of the insured person (borrower) as a result of an accident or illness
• Loss of ability to work by the insured person (borrower) and the establishment of disability of group I or II as a result of an accident or illness
• Temporary disability

New services

• Remote medical consultation
• Second remote medical opinion

Tariff for connecting to the insurance program

To Sberbank Online:

Voluntary life and health insurance of the borrower - 2.09% per year

Voluntary life insurance, health insurance and in connection with involuntary loss of work - 3.09% per year

At bank branches:

Voluntary life and health insurance of the borrower - 2.4% per year

Voluntary life insurance, health insurance and in connection with involuntary loss of work - 3.6% per year

Voluntary life and health insurance of an individual with a choice of parameters - 2.6% per year

The program is carried out in partnership with Sberbank Life Insurance LLC (licenses FSFM SZh No. 3692 dated 07/04/2016, SL No. 3692 dated 07/04/2016. Address: 115162, Moscow, Shabolovka St., 31G).

The client has the right to purchase protection from any insurance company.

63 06/28/2019 4 min.

The desire to ensure the safety of family and children is a mature, correct approach to life. Accident insurance is a reliable way to take care of the health of your loved ones. A children's accident policy provides ample opportunities for choice - you decide for yourself how much to enter into an agreement for, what risks to include in it, and for how long to enter into this agreement. Read more about insuring children against accidents in the Russian Federation.

Definition

Child insurance is aimed at compensating the expenses that a parent incurs during the restoration of the health of a child injured in an accident. Policies are issued for minors aged 0-17 years (if taken at the time of signing the contract). The main risks that insurance coverage includes:

• dislocations;
• fractures;
• injuries;
• damage to soft tissues and internal organs;
• poisoning;
• burns;
• death.

Insurance coverage operates around the clock, including while the child is in kindergarten or school.

Geography - Russian Federation and the whole world, the policy validity period can be from 1 day to a year. Parents choose the amount of insurance coverage themselves, but remember - the higher it is, the more expensive the policy will be. Contributions are always calculated individually.

The validity period of the policy depends on your goals and the specifics of the current situation - for example, before going to camp, it makes sense to take out insurance that will be valid during the shift.

Children's health insurance programs are comprehensive and include outpatient, inpatient care, ambulance service if necessary, and payment for medications. Vaccinations, massages and other services can also be included in the policy at the request of the policyholder. Basic programs differ in many respects by age, since medical care for children at 3 years old and at 15 years old requires certain features. The main difference between children's policies and adults is the “assignment” of the child to the clinic, since children need constant monitoring and frequent visits to the doctor.

The coverage area does not include chronic diseases that led to the occurrence of an insured event, but were identified after the policy was issued.

The main types of insurance for children – and compulsory. As part of mandatory social government programs, parents of injured minors receive benefits from the social insurance fund. This assistance is small and is paid upon the occurrence of disability or temporary incapacity for work. Voluntary programs provide a certain freedom of choice - the policyholder can choose the risks, the duration of the policy, and the amount of insurance coverage.

When taking out a voluntary insurance policy, the policyholder himself sets the liability limit.

Insurance rates are set by insurers - we are talking about certain percentages of the coverage amounts specified in the contract. The more risks you decide to include in the contract, the higher the cost of insurance will be. Possible tariff range is 0.12-10%. Contributions are paid in a lump sum or in installments. The nature of payments upon the occurrence of an insured event depends on the type of risks that were insured - it can be a lump sum payment or a daily benefit. If we are talking about the disability or death of a child, the policyholder receives 100% of the coverage amount.

Read more about how much a VHI policy costs.

You can insure a child against accidents in any currency (dollar, euro, Russian rubles) for an amount of up to 3 million rubles.

Video

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 being 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 first years of a person's life are associated with all sorts of difficulties. Childhood illnesses, injuries, broken noses and knees - all this can entail additional financial expenses. In order to ease the financial burden falling on parents, you can take out insurance for children against accidents and illnesses. This very important, but, unfortunately, not very popular event has a number of features. We'll talk about them.

Why insure children

People tend to hope for the best. Therefore, many parents do not want to even admit the thought that something could happen to their child. Often this behavior ends sadly.

Childhood is almost always associated with the risk of various injuries. Due to the fact that children do not have much life experience, but are extremely active, they experience injuries quite often. Broken knees, bruises, sprains, broken arms, legs and noses, bruises and abrasions. Moreover, the older the child becomes, the more severe injuries he can receive. After all, they are climbing higher and higher, and it is becoming increasingly difficult to keep track of them.

Insuring the life of children against accidents is entirely voluntary. On the one hand, sprains and broken knees heal quite quickly. But on the other hand, if something more serious happens, then treatment will require considerable expenses. And not every family can cope with such a financial burden.

Process Features

A contract for accident insurance for children can be drawn up regardless of how old they are. Quite often, parents purchase a long-term policy almost immediately after the birth of the baby. According to the rules, parents must pay a monthly or annual fee throughout the duration of the contract.

The policy does not cover common childhood diseases such as measles, influenza, ARVI or rotavirus infection. An exception may be a situation where the illness was the result of an accident. For example, a baby fell through the ice and as a result contracted pneumonia. In this case, the parents will most likely be able to receive compensation.

For some time now, the state has been planning to introduce compulsory accident insurance for children, but for now it remains voluntary.

What can become an insured event

Most often, the agreement initially contains a not too long list of risks. But if desired, it can be expanded.

Child accident insurance most often covers the following risks:

• various injuries resulting from cuts, fractures or bruises;
• the fall of any object on the insured;
• animal and insect bites;
• unintentional entry of a foreign object into the respiratory tract;
• attack by third parties;
• frostbite;
• burns, injuries resulting from natural disasters or lightning;
• poisoning with chemicals or food;
• disability of varying degrees resulting from an accident;
• death from the same cause;
• other risks.

Types and programs

All organizations offering accident insurance for children do this in two main areas:

1. Partial insurance. This program offers protection for your baby only during a certain period. Moreover, you can choose the days and even hours of insurance validity yourself. For example, this may only be the period of stay in kindergarten or school, days allocated for visiting a tutor, hours spent on a walk, and more. All periods, literally down to the minute, are clearly stated in the contract.
2. Full insurance. This policy protects your child around the clock throughout the year (or month). Wherever the child was at the time of injury, parents will be able to claim compensation.

Savings policy

In addition to the above, accident insurance for children can have one more type. This is an accumulative insurance policy that can reliably protect a person for many years. By the way, this is one of the most popular contracts today.

Its essence is as follows:

• relatives sign papers with the selected insurance organization;
• the contract specifies all selected risks and sets a period, for example, until the age of 18;
• every month or year, parents pay insurance premiums to the accounts of the selected company;
• if one of the insured events listed in the contract occurs, the insurance company covers all expenses for the necessary treatment and rehabilitation of the insured;
• If by the end of the contract the insured event has not occurred, the parents have the right to receive all the deposited funds back.

It turns out that by acting in this way, you can not only ensure the safety of the child, but also accumulate a rather impressive amount by a certain date. This money can be a good help for the insured person to enter adulthood.

School and sports insurance

Many educational institutions introduce literally compulsory accident insurance for children and schoolchildren. This is due to the reluctance of teachers to be responsible for your child’s behavior during class. Moreover, for one teacher, as a rule, there are at least 25 tomboys.

It is unlikely that in modern schools you can find children walking decorously and nobly along the corridors of the educational institution. The current comprehensive school bears little resemblance to a boarding house for noble maidens or the Tsar's cadet corps. Therefore, many educational institutions simply insist on purchasing insurance policies. The validity period of such a “amulet” usually does not exceed 9 months. The insurance document provides compensation when your child is injured within the walls of an educational institution.

Another policy that is almost mandatory is accident insurance for child athletes. It’s a paradox, but absolutely any sport, even chess, can be potentially dangerous for a child. What can we say about various martial arts or contact types of martial arts?

To be honest, obtaining quality insurance for a child athlete is not that easy. Insurers approach the issue with great caution and try to include as few risks as possible in the contract. But still, there is a certain list of injuries, the presence of which in the list of insured events is worth checking:

• dislocations of joints and fractures of tubular bones;
• knee (meniscus) injury of any severity;
• sprains or tears of muscles and ligaments;
• fractures of various parts of the spine and intervertebral hernias;
• injuries of bones and soft tissues of the face and head;
• concussion.

Of course, these are only the main injuries that an athlete can receive while performing exercises. If desired, the list can be expanded independently, taking into account the specifics of your sport.

Banks and programs

Having decided to insure your offspring, carefully study all the offers of insurance organizations and choose the most suitable one. Here are a few as examples:

Rosgosstrakh provides insurance for children against accidents under the Fortuna “Children” program. This policy is valid all year round in any country. You can sign up for a contract for a year, a month or a selected number of days. The only thing is that at the end of the contract the insured person must be less than 23 years old. You can choose the amount of compensation payment in the range from 100 to 500 thousand rubles yourself. Depending on the severity of the incident, you can receive up to 100% of the insured amount.

SOGAZ offers child accident insurance only in the general program. The conditions here are the same for both children and parents. The organization offers two options:

• "Persona Economy" is a program with the usual basic protection and a fixed cost. It all depends on age, risk profile and sum insured.
• “Persona Universal” - here you can determine the list of risks, the amount of coverage and other parameters yourself.

Sberbank also does not provide accident insurance for children as a separate program. You can use the service as part of the “Protection of Loved Ones” or “Protection of Loved Ones Plus” package. The policy is valid throughout the year all over the world. Insurance coverage can be selected in the range from 100 to 600 thousand Russian rubles.

How to make your policy cheaper

Insuring a child is not cheap. Among the prices offered by various insurance companies, you can also find those that are completely beyond the means of the average family. However, there are several ways to reduce the cost of your policy.

First of all, with some effort, you can organize group insurance. For example, you can unite all the parents of the class in this matter, then each policy will be 15-20% cheaper.

Some insurance companies include absolutely unnecessary services in the contract, by excluding which you can significantly reduce the contract price. Preventive massages, visits to a speech therapist and orthopedist, and so on. You can easily do without all these “bells and whistles.”

Exclude the “Dental services” clause from the contract. It is expensive, but it is not always needed.

How to receive payments

If an insured event occurs, you must immediately notify your insurance company. Now start collecting documents. The list of them is usually specified in the contract:

• your copy of the policy;
• certificate of injury;
• various extracts from the medical record;
• receipts for medications prescribed by a doctor;
• MSEC conclusion on assignment of disability (if any);
• document confirming the death of the insured.

The insurance organization may request any other documents at its discretion.

Remember! Reimbursement of costs does not depend on how many organizations have entered into an insurance contract with you. This means that if you paid for a policy in several different insurance companies, then you have the right to receive a compensation payment in each of them.

How much can you expect?

When an insured event occurs, in most cases you will not receive the entire amount of compensation, but only part of it. You can count on a 100% payment only in the event of the death of the insured or a Group 1 disability.

In this case, it is impossible to give exact figures, because everything will depend on how much the policy itself cost. The lower the amount of insurance premiums you paid, the less you will receive as an insurance payment. For example, the most inexpensive policy will cost you approximately 500 rubles per year. But if trouble occurs, you will not be able to count on compensation of more than 10 thousand rubles.

How to get a contract

Like many other types of insurance, taking out a “children’s” policy is not a difficult matter. You will have to take a set of standard actions:

• select a suitable insurance system;
• decide on the insurance program and the list of risks;
• carefully study the contract for the provision of insurance services;
• prepare documents (most often this is the child’s birth certificate and passport);
• sign the contract and pay the required amount.

As you can see, there is nothing complicated. Many insurance companies generally offer online insurance. So you don't even have to leave the house.

With the birth of a child, the life of parents is complicated by the fact that the circle of responsibility expands: now the main concern becomes not their own well-being, but the preservation of the life and health of their loved one, who, on the way to growing up and learning about the world, may encounter a lot of unforeseen accidents.

Of course, you can’t protect yourself from everything, but you can try to minimize the risks and reduce the chances of an unsuccessful outcome of the situation in which the child may find himself.

In this sense, accident insurance for children can be a great financial help and help parents cope with a difficult problem.

Children are a special risk group

Any age children are at greater risk than adults. This is explained by the fact that they are still poorly developed sense of self-preservation.

Moreover, given today's hyperactivity the younger generation, one can only imagine what our “little ones” are capable of, remaining outside the zone of the parent’s all-seeing eye (walks in the yard, school life, camp, etc.).

Do children need to be insured against accidents?

Insurance for children and schoolchildren is a voluntary event.

However, if you are one of the parents who are trying to protect their family and do not hope for chance, then, of course, insurance can be called a necessary protective measure.

First of all, this is necessary for the child, who, if necessary, will receive qualified medical care, including additional medical services not included in the scope compulsory health insurance (CHI).

Find out about ways to purchase a voluntary health insurance policy for a child and the necessary documents to obtain a medical insurance policy from the materials in THIS ARTICLE.

This is especially necessary for parents: you can count on financial compensation from the insurance company with which the contract was concluded. Nobody knows with which financial difficulties a family may face: trouble always comes unexpectedly. And there is never any extra money.

What are the features of this type of insurance?

You can purchase an accident insurance policy for a child of any age. Many people prefer to conclude an insurance contract right away after the birth of a long-awaited child for several years.

Typically, a policy is purchased for a period of one year or five years, during which parents undertake to pay insurance premiums on time.

The contract provides for the payment of monetary compensation if the child is injured and needs medical care. The program does not include cases of common illness in a child.

The insurance company can reimburse the costs of treatment only for those diseases that arise due to an accident that happened to the child (for example, after poisoning).

What types of programs exist

Today insurance companies offer several types of programs medical insurance for children against accidents. They differ in the list of insured events, the insurance period and the age of the insured child.

There are two basic programs that are available in any insurance company:

• Insurance for 24 hours. This program guarantees payment of insurance compensation in the event of an injury sustained by a child at any time of the day;
• Temporary insurance.

With temporary insurance, the contract is concluded only for a limited period:

• school hours;
• period of stay in kindergarten;
• classes in sports sections;
• evening walk time;
• certain lessons (for example, physical education or chemistry).

Collective accident insurance for children

There are special collective programs that have recently become increasingly in demand. Parents often face the problem of their children getting various injuries. during their stay at school.

Accidents especially often occur during breaks, when children try to use up the energy accumulated during the lesson with all their might: they rush through the corridors and classrooms, fight and jump.

The programs are presented in two versions:

1. 24-hour coverage valid in the Russian Federation.
2. Coverage valid for a certain period of time (for example, during an excursion).

Accidents happen to children not only during school, but also in the summer. At this time, cases of injuries due to road accidents, in water, are becoming more frequent, and there are cases of children being bitten by animals, ticks, and snakes.

Therefore, companies offer 24-hour collective insurance for children from 3 to 17 years old for a whole year, with a coverage area covering the whole world.

There are also group insurance programs for children who are actively involved in sports sections. According to statistics, 30% of all insurance cases occur during sports training and competitions.

Having an insurance policy is now often a prerequisite for allowing a child to participate in various competitions. As a rule, the insurance program for children of athletes is provided for children from 3 to 17 years inclusive participating in amateur sports. Its validity period is 1 year, temporary coverage is 24 hours, territory is the Russian Federation.

During the summer holidays, many parents send their children to camp. This is a great opportunity to relax in nature, but, unfortunately, 60% of vacationers at the children's camp at least once per season get poisoned or injured.

Especially for such cases, there are insurance programs that are intended for children from 6 to 17 years old inclusive, going to summer camps. The minimum period is usually 1 month, the coverage area is the area adjacent to the camp (including the area for excursions).

Many insurance companies offer similar multi-level programs. It is important that parents remember this in time and take care of their child in advance.

What risks can be insured?

The main insured events include the following risks:

• burn, lightning strike, explosion, as well as any natural disasters ;
• animal attacks, intruders, animal bites;
• poisoning by poor quality food products or medicines, entry of a foreign object into the respiratory organs;
• acute illness;
• becoming disabled as a result of an accident;
• various injuries, fractures, severe bruises, sprains;
• death caused by injuries, drowning, anaphylactic shock, etc.

Insurance payments

The amount of insurance payments depends depending on the severity of the injury inflicted on a child.

At the same time, not every bump can become a reason for paying an insurance claim.

Usually the main condition is stated in the contract - treatment, some companies even indicate minimum therapy period.

Other companies stipulate maximum number of minor incidents that can happen to a child.

As for severe cases, the contract You must indicate as fully as possible the amounts and order of payments.

How insurance can help

Many parents are in no hurry to think about possible accidents, preferring to live for today. This lifestyle often confronts them with great difficulties, in particular financial costs for the treatment of the child.

The main thing that having an insurance policy will help you with is gaining confidence in the future. Life and health insurance for children, as well as accident insurance, allows parents to overcome unexpected financial difficulties and spend the funds paid by the insurance company to restore the health of your child.

In conclusion, I would like to remind parents that the child really needs maximum care from their side. To do this, you need to use all the protection measures that exist today.

Child accident insurance is one of them, don’t neglect it.

Video about the free insurance program for schoolchildren