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Description of the life and medical health insurance program in Sogaz
Insurance coverage and well being is managed by Legislation No. 4015-1. One of many principal providers supplied in Russia is the safety of life and well being. In the present day, all main firms problem such insurance policies, together with IC Sogaz.
Life insurance coverage on this firm has some options. For instance: a coverage may be issued for a citizen of the Russian Federation, no matter age; insurance coverage covers all fashionable accidents and diseases (extra choices permit you to embrace remedy in different international locations in this system); investing cash in a coverage permits you not solely to guard your self from surprising monetary bills (remedy of ailments, harm), but in addition obtain earnings; the policyholder has the precise to independently select a cost schedule; all the sum of money acquired on the finish of the settlement isn’t topic to taxation; the consumer’s investments can’t be arrested (they can’t be divided amongst a number of residents – for instance, for confiscation or divorce).
After the contract ceases to be legitimate, the policyholder (or different particular person specified within the coverage) receives the financial savings. The dying of an individual isn’t thought-about an issue within the provision of funds (the cash can be transferred to the relations of the deceased).
Program “PERSONA Common”
Insurance coverage protection underneath this program covers an harm ensuing from an accident that brought on a brief lack of working capability, dying of a consumer or recognition of his incapacity.
The cost is supplied in case of frostbite, concussion, poisoning and in different conditions.
The consumer can select the order of safety motion:
- all day lengthy;
- throughout work or research (together with journey to and from an academic establishment or place of employment or with out this service);
- in on a regular basis life (that’s, of their free time from work or research).
Moreover, insurance coverage might present safety within the occasion of an act of terrorism and an insect chew, on account of which the consumer might turn out to be ailing with a harmful illness (for instance, malaria).
Helpful article: Registration of a CASCO policy in SOGAZ.
The price of life insurance coverage in SOGAZ
You will discover the insurer’s charges and examples of cost calculation on its official web site. Additionally it is attainable to get detailed data on the insurance coverage product by way of the call-center.
An actual calculation is supplied on the territorial workplace of the insurance coverage firm.
The specialist will make it easier to select the suitable SOGAZ life insurance coverage program and calculate the price of the fee (insurance coverage premium). It is sufficient to have a civil passport with you.
For instance, when selecting the Most cancers Safety program, you will want to pay a payment of at the very least 3,600 rubles per yr of insurance coverage.
The price of the coverage relies upon not solely on the kind of program, but in addition on different elements (the age of the insured particular person, the quantity insured, the danger content material of insurance coverage, and many others.).
fascinating materials: Accident and illness insurance.