Extracurricular activity “Insurance”

Target: explain the meaning of the concepts “insurance”, “insurance”; tell children why insurance is needed

Scenario plan
1.Organizational moment

3. Main part
4. Game "Insurance"
5. Summary of the lesson

Progress of the lesson

1.Organizational moment
2. Statement of the topic and purpose of the lesson

Popular wisdom says: “If you knew where you would fall, you would lay down straws!” Well, translated into modern terms of market services, this means - do not neglect insurance! The topic of our lesson is “Insurance”. And today you will learn what insurance is and why it is needed.

3. Main part

What is insurance? (Children's answers)

Insurance is financial assistance to victims.

What is insurance? (Children's answers)

Insurance is a way to protect property from theft, flooding and illness of family members. To do this, you need to pay an insurance premium to the insurance company. What is an insurance company? (Children's answers)

An insurance company is an institution that collects insurance premiums and creates an insurance fund.
There are a huge number of disasters happening in the modern world. No one knows in advance what might happen to him. It's good that this doesn't happen often and doesn't happen to everyone. To avoid getting into a hopeless situation, people take out insurance. Look at the pictures. What undesirable consequences can you insure against? (Children's answers)

Right. You can insure yourself against natural phenomena, injuries, fires, and accidents.

What can you insure? (Children's answers)

You can insure your home, car, life, trip. In this case, the insurance company issues an insurance policy. Insurers offer a variety of protection options. The most important thing is to decide what risks you want to insure against and for how much. For example, if you are going to buy a policy only for the winter, then you will not need insurance against encephalitis tick bites at all. If you want a policy for the whole year, then it is better to take a standard insurance package. Such a policy will include accidents at work, at home, on the street: if as a result of an accident you temporarily lose your ability to work or are no longer able to work at all, you will receive disability.
But sometimes in life, misfortune ends in death. Tell me, who can receive the insurance payment then? (Children's answers)

If the misfortune ends in death, then under the terms of almost all insurances, the payment will be received by the heirs or those people whom you include in the insurance. Naturally, you don’t want to think about the worst, but, as they say, we all walk under God! In general, insurance can be selected individually. You simply explain to the agent what risks you have in your life. For example, if you work in a hazardous industry, then you need to include the risks of injury at work in your insurance. For example, the head of the family, the breadwinner, injured his leg at work. You have to spend money on treatment, and the whole family is without money. If he has a life insurance policy, the insurance company will compensate him for the costs of treatment and rehabilitation, or will pay an amount equal to the family’s current expenses for the time the person is forced to be on sick leave.
Do you think there are any other types of insurance? (Children's answers)

Life without risks is boring and insipid. Well, what would winter be without skiing, sledding, and skating?! True, in addition to the delight and pleasant impressions of these fun, you can earn fractures, dislocations and concussions. Therefore, if you cannot live without adrenaline, take care of insurance in advance.
However, be sure to tell the insurance agent that you are going to engage in extreme sports.
Again, you can only insure against accidents during winter sports, or you can purchase a policy for the whole year and calmly go to the mountains, scuba dive or parachute jump. Tell me, is it possible to include in the insurance the costs of transporting you home in the event of an accident? (Children's answers)

If you are going to go rock climbing somewhere in the Caucasus, then your insurance should include the cost of transporting you home in the event of an accident.
Tell me, how do insurance policies differ in terms of coverage time? (Children's answers)

Insurances differ not only in the range of risks, but also in the duration of coverage. For example, the policy may be valid only while you are at work - that is, from 9 to 18 hours, when you are at home, or 24 hours a day. And don’t argue with the insurance company that refuses to compensate you for expenses if you broke your leg late at night, and the insurance was valid until 18:00.
You can insure for any time of the year, or for the whole year. But buying in bulk, as always, is more profitable.
Group insurance is also beneficial: for example, purchase policies for the whole family, company, class.
Tell me, what does the price of the policy depend on? (Children's answers)

The price of the policy depends on how risky your life is. For example, a policy for an office worker will be cheaper than for a builder. In addition, insurance will be cheaper for young people. The cost even depends on gender - women will be charged less because, according to statistics, they live longer.
For example, an annual policy for a 26-year-old girl who works in an office will cost 1,000 rubles, and if she is a firefighter or rescuer, then almost twice as much. In this case, the payment in case of an accident will be 50,000 rubles.
Insurance for fans of extreme sports with coverage of 5,000 euros will cost more than 1% of this amount. If you have a quiet life, then the policy will cost no more than 0.5% of the payment amount.
What types of insurance payments are there? (Children's answers)

There are such payment methods. For example, an insurance company may pay for your treatment and rehabilitation, or it may simply pay the entire amount in a lump sum.
What to do if an accident happens to you or your loved ones? (Children's answers)

Naturally, at such a moment, insurance is the last thing we think about. But after the end of treatment, it’s time to compensate for the damage. You need to come to your insurance company and present:
- insurance policy;
- a medical certificate indicating the full diagnosis, information about the timing of treatment, treatment and diagnostic procedures;
- Your passport.
If the injury is serious and treatment and care require more money, you can use another payment option and receive compensation for each day of treatment.

4. Game "Insurance"

You each have forms, as well as notes with certain words. You need to complete these certificates. Time 2 min. (Children fill out forms).
Notes, which include the words: fire, broken arm, flood, as well as blank notes (which means no accidents occurred).

FULL NAME. client
Type of insurance
Signature

Raise your hand, who has had an accident? What type of insurance did you choose? (Children's answers)

5. Summary of the lesson

Will those who are not insured receive financial assistance? Why? (Children's answers)

Does this happen in real life?
- Who feels calmer and more reliable in such situations?
- How to protect yourself and your property from an accident?

I hope that today's knowledge will definitely be useful to you in the future.

List of used literature

1. Social studies. 6th grade: textbook for general education. institutions/ L.N. Bogolyubov et al.
2. School of young economist / author.-comp. M.M.Voronina

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 costs. 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.

Every parent strives to protect their child from various negative influences and protect him as much as possible from injury. Reliable protection for your child is provided by insuring the baby. In addition, the presence of an insurance policy guarantees complete rehabilitation and high-quality material support in the event of an insured event.

In what cases is it necessary to insure the life and health of a child?

The need to insure the life and health of a child can be due to many reasons. This question arises most urgently if the child is seriously interested in sports or attends sections in which there is a high probability of injury.

It is almost a vital necessity and responsibility of any parent to take out an insurance policy for a child who is going to go to camp. New acquaintances, vigorous activity and participation in various kinds of competitions can cause injury, and the presence of an insurance policy will allow rehabilitation measures to be carried out and the child to get back on his feet much faster.

To obtain an insurance policy, you must contact the place of registration of one of the parents. At the same time, there is no special connection based on the territorial principle, which allows the issue to be resolved much faster. The future applicant must contact the district office of the insurance company. The address of such an organization can be found directly at the local clinic. You can get such advice at the registry office.

The direct insurance procedure includes several stages. They are described in more detail below:

• Choosing an insurance company.
• Selection of insurance conditions.
• Collection of the necessary package of documents.
• Conclusion of an agreement.
• Payment of insurance premiums.

The modern insurance market is replete with a large number of profitable offers from various insurance companies. To choose the most profitable ones, you should study all these offers as carefully as possible.

When choosing a specific program, you should pay attention to the list of risks that the company can cover in the event of an insured event.

The basic package of documentation includes the passport of one of the parents and the child’s birth certificate. Under certain circumstances, this list may tend to expand. It is best to foresee this moment in advance and first contact representatives of the insurance company to clarify all the details of cooperation.

When studying the contract, you should pay attention to under what conditions and in what amount the funds will be paid to the insured person. It is also necessary to carefully study all the clauses of the contract indicated in the fine print.

After signing all the necessary papers, the insured person must make regular contributions so that if a certain event occurs, the insurance company can fulfill its immediate responsibilities. The frequency of payment of such contributions in most cases is once a year, but may vary depending on the specifics of the contract drawn up.

Child insurance programs today are represented in a large number. Below you can get a much closer look at the various variations of this insurance product.

• Risk insurance. A relatively inexpensive type of insurance product. In this case, the contract is concluded for a certain period and money can be paid only if an insured event occurs. If such a case does not occur, the money will not be returned to the policyholder.
• Endowment insurance. This is a more expensive type of insurance program. The contract under such insurance is concluded for a long period (about 10 years), after which the entire amount can be returned to the insurance policy holder. If, during the validity of the contract, an insured event does occur, the company pays compensation to its client in accordance with the current tariff.
• Voluntary insurance. Participation in voluntary children's insurance programs allows you to visit paid hospitals and receive high-quality medical services free of charge. In the event of an insured event, the policy covers all expenses for transporting the child, his treatment, and purchasing the required medications.
• Compulsory insurance. The peculiarity of such programs is that they cover only basic risks. The owner of this policy will receive a set of standard services in a public clinic with an appropriate level of quality.
• Social insurance. This type of program is cumulative and voluntary. The amount of payments upon the occurrence of an insured event is formed by taking into account the amount accumulated by the parents during the period of validity of the contract, plus a certain percentage.

The insurance company guarantees a refund of funds upon the occurrence of an insured event. The list of risks that this policy covers depends on the features of the program within which the cooperation takes place.

The list of basic risks is as follows:

• sunstroke;
• suffocation;
• drowning;
• lightning strikes;
• injuries received while playing sports;
• burns, cuts;
• negative impacts of atmospheric phenomena.

Under certain circumstances, these risks may also include mental and neurological diseases. However, it should be noted once again that the more risks the policy can cover, the more it will cost the child’s parents.

When an insured event occurs and appropriate payments are made, parents are not limited in dividing the payment received. This means that they themselves choose which part will be spent on medicines and which part will be spent directly on medical care.

For how long can a child be insured?

The validity period of the insurance policy is specified in the cooperation agreement, which is drawn up at the initial stage. However, the client of the insurance company is first given the opportunity to independently choose the duration of its validity. In fact, you can insure a child for any period - from one day to several years.

The main criterion that influences the formation of the cost of insurance services is the number of cases in the event of which the company will make insurance payments. The larger the package, the more expensive the insurance company’s services will cost. In addition, the following points influence the final price:

• insurance conditions;
• contract time;
• the child's health status;
• child's lifestyle;
• age and gender of the child.

Children aged from 1 year to 18 years can take part in the insurance program. Upon reaching adulthood, the insurance policy automatically terminates.

Regular contributions can vary from 250 to 5,000 rubles.

Accordingly, the higher the premium, the larger payments the client of the insurance company can expect.

Child life and health insurance allows you to provide the necessary high-quality medical services in a timely manner. If an insured event occurs, all expenses for treatment and subsequent rehabilitation will be reimbursed to the parents in full or in part (it all depends on the level of damage caused).

The children's insurance policy is designed for children of different ages - from 3 to 18 years. The liability limit for the insurer can reach 500,000 rubles. However, to receive the maximum amount, you must make fairly large monthly contributions.

Long-term insurance programs are designed for a fairly long period of time - from 3 months to 1 year. It should also be noted that there are shorter-term policies, the validity of which can be from one day. Short term insurance policies are very suitable for children traveling to competitions.

To keep your child as safe as possible, you need to make sure that the chosen program includes active recreation, food poisoning, animal and insect bites, and minor injuries.

The health of children, especially in the very first years of their life, is fraught with various difficulties. Various diseases, injuries, the risk of abnormal development - all this can entail serious financial expenses, in addition to moral suffering and fears. In order to receive financial support in the event of a sudden accident (hereinafter referred to as an accident) or a serious illness, you can take out a policy under the children's accident insurance program. Such programs are a reliable tool for protecting against unforeseen situations.

Relevance of children's insurance programs from NS

The early years of children's lives are always accompanied by serious risks, since their instinct of self-preservation is not so well developed and they do not have sufficient life experience. In addition, it is impossible to monitor a child around the clock, and the list of dangerous situations that he may encounter is very large - from household injuries to accidents in public institutions (school, holiday camp, extracurricular activities).

Child accident insurance programs are a financial instrument concluded solely on a voluntary basis. When applying for a policy, the insurance company guarantees the provision of extended medical care, including procedures that are not included in the list of mandatory work under the compulsory medical insurance policy, as well as compensation for expenses incurred by parents arising as a result of an insured event. Considering the fact that treatment of a child may require serious financial costs, such programs are very popular among many parents.

Features of child insurance programs

You can take out a policy that guarantees compensation in the event of an accident for any child, no matter how old he is. Often, parents take out insurance for 1-5 years in advance, immediately after the baby is born. In accordance with standard insurance conditions, parents are required to pay insurance premiums throughout the entire term of the contract - monthly or once a year.

Payment of insurance compensation is provided in the event that a child is injured, the treatment of which requires a visit to a doctor, or upon the occurrence of another event specified in the contract. Ordinary illnesses are not paid for under this program, with the exception of those illnesses that appeared as a result of an accident (for example, after a child was poisoned).

What cases fall into the insurance category?

In accordance with the basic conditions of a child accident insurance contract, the list of insured events usually includes:

• burns, lightning, natural disasters;
• bites and wounds as a result of attacks by animals, insects, criminals;
• food or chemical poisoning;
• acute diseases;
• disability assigned as a result of an accident;
• injuries - from cuts and bruises to fractures;
• death.

Main types of children's insurance programs from NS

Individual programs

The largest companies offer basic and extended types of individual insurance, which are selected based on the preferences of parents. Individual programs include the following:

1. Full insurance - guarantees child protection 24/7/365. If a child is injured, regardless of the time of day, parents claim compensation for costs.
2. Partial (temporary insurance) - such programs provide protection for a certain time of day. For example, in accordance with the terms of the contract, such a period may include classes at school, kindergarten, extracurricular lessons, a walk, or certain types of activities.

Collective programs

Another area of ​​popular programs is collective insurance of children against accidents, which is relevant for schoolchildren and teenagers both during school and during the holidays. Popular companies (Ingosstrakh, Rosgosstrakh, Russian Standard and other companies) offer programs for schoolchildren in grades 1-11, lasting up to 9 months, corresponding to the length of the school year. Comprehensive insurance programs are available in the following formats:

• full insurance - guaranteeing collective protection of children for a certain time, for example during school;
• temporary insurance - such programs provide collective protection for children during vacations, excursions, trips, etc.

What risks do insurance programs cover?

Both individual and collective insurance programs may include a different list of insurance protection risks, such as:

• insurance of children against accidents - most often children encounter injuries during accidents on the road, trips to the forest, trips to a pond, and in the hot months the risk of being bitten by poisonous or rabid animals or insects increases. Such programs are intended for children aged 3 to 17 years and have an insurance duration of up to 12 months;
• insurance for children involved in sports at a professional level. An insurance policy today is one of the mandatory documents for a child to be allowed to participate in any tournament. Such policies are available for children from 3 years old and are usually issued for a period of 6-12 months;
• insurance for children vacationing in children's camps - such programs are relevant for persons 6-17 years old, and provide protection against poisoning, bites, injuries from falls and other dangers, valid for a month or longer. In this case, coverage is provided for the camp and the immediate area around it, as well as for the period of travel to the destination when traveling on an excursion.

Examples of programs offered by insurance companies

The choice of a children's insurance program from NS is carried out based on the age of the child, the specific situation and the purposes of the insurance. Major insurance companies offer options for children under 16-17 years of age. Some of the most popular programs of Russian organizations are presented in the table below.

The name of the program	Conditions for obtaining a policy	Sum insured
Fortune “Children” from “Rosgosstrakh Life”	The age of the insured is up to 23 years at the time of expiration of the contract; the insurance is valid 24 hours a day, 365 days a year, on the territory of any state; Validity periods: 1-27 days, 30 days, 12 months.	Determined individually within the range of 30 - 300 thousand rubles; payments are up to 100% of the amount depending on the insured event.
"Semitsvetik" from Ingosstrakh	insurance for children is issued for 5 years; To obtain the policy, a certificate of the child’s health is required.	The minimum amount is 1,500 rubles. When additional risks are taken into account, the amount increases.
"Fidget" from IC "Max"	insurance for persons under 17 years of age; validity period - 1 year; To register, you can fill out a form on the website; the child must not be a student of a sports club, disabled or registered in a mental health center.	50 - 250 thousand rubles
"Personal protection" from "RESO-Garantiya"	insurance is valid for persons under 17 years of age; the list of cases includes injuries, organ damage, other results of an accident up to death; insurance operates around the clock all over the world.	Determined by the policyholder
Junior" from VTB Insurance	for children from 3 to 17 years old; validity period - from 1 to 12 months.	Up to 1 million rubles

Without exception, all people face troubles and even dangers in everyday life. An unforeseen situation can happen to us at any time, fraught with injury, illness, temporary disability, hospitalization, etc. Danger can lie in wait on the road, in transport, while traveling, during sports, while walking and in other places where there may be various dangers. We worry about our family, friends, and especially our children. To protect your child from an accident, EUROINS has developed several life insurance programs for children against accidents.

Calculation of the cost of sports insurance for children

Protection and care means, first of all, paying attention to your child and preventing dangerous situations by any means. LLC RSO "EVROINS" offers profitable voluntary insurance programs for children of different ages. If a child or teenager is injured, suffers a temporary deterioration in health or poisoning as a result of an accident, the insurance policy will provide parents with financial support.

You can take out accident insurance for a child on favorable terms:

• The insured amount is determined by agreement with the insurance company and depends on the selected insurance company
• The insurance premium (payment for insurance) depends on various factors and the degree of risk. For example, if the insured child plays sports. This increases the risk of injury or serious injury, so the premium will be higher than the standard insurance plan.
• The insurance is valid in Russia or throughout the world.
• The protection works 24 hours a day, 7 days a week.
• Insurance coverage upon the occurrence of an insured event is paid within the minimum period.

When choosing an insurance program, you can seek advice from a company representative - he will tell you in detail about which program is best to choose for your child. The specialist will also advise on all issues related to this type of insurance and the features of each program. The insurance program for children against accidents and illnesses can be selected for any period - from several days to one year.

What is an insured event: standard package of services

Each contract specifies a list of risks, upon the occurrence of which the insurance company makes a payment. Insured events are the following events that occurred as a result of an accident:

• temporary loss of ability to work or temporary deterioration in the health of the insured person;
• injury to the insured person - fracture, dislocation, bruise, burn, poisoning and other accidental events listed in the insurance contract;
• receiving disability;
• death of the insured person.

For children who play sports, EUROINS offers children's accident insurance online on its website. Advantages of online insurance:

• On the website you can quickly buy a policy online.
• Choose the amount of the insurance amount yourself.
• Choose the type of insurance and choose the optimal conditions.
• Select the insurance period – from several days to one year.
• Pay for the policy using a bank card from any bank.

How to act in the event of an insured event?

In order to receive the full amount due, you must strictly fulfill the requirements specified in the contract. Actions in the event of an insured event:

• Regardless of where and with whom the child is, you need to seek medical help and follow the doctor’s recommendations in order to reduce the consequences of the insured event.
• Notify the insurer about the occurrence of an insured event no later than 30 days from the date of the event. It is advisable to convey information as early as possible.
• Submit an application to the company in the prescribed form. Attach supporting documents (epicrisis, death certificate, extract, doctor's report, certificate of disability, etc.). Check with the company manager for a complete list of documents.
• When insuring a child, the policyholder receives the payment, and in the event of the death of the insured person, the beneficiary, that is, the person appointed by the policyholder, receives the payment. Typically, any relative is designated as a beneficiary - parents, grandparents or other relatives.
• When receiving insurance payment, you must provide an identification document. It is advisable to have the original contract with you.

The company considers customer applications in the shortest possible time. The client receives payment within 15 days after the insurer receives all the necessary documents and draws up an insurance act.

You care about the health and safety of your child - we provide reliable insurance protection!