There
is insurance that covers the risks that affect people.
The insurance policy on people includes all risks that may affect the existence, physical integrity or health of an insured.
Accident insurance
Accident
insurance; When the risk to be prevented is the possibility of having a
personal physical impairment as a result of an unexpected and sudden accident.
This
covers personal injury caused by accidents
. To this end, the law defines Spain as this accident bodily injury resulting from a violent blow, outside and beyond the insured's control, resulting in temporary or permanent incapacity or cause of death.
Policies
configured carefully covered by a system risk mainly causal boundaries.
The
life insurance contract may be designated by the beneficiaries of the insured
to receive compensation: the sum insured in the event of death.
In the absence of beneficiaries, he will go to the heirs of the deceased.
In the event of permanent disability, the value of compensable damages shall be determined on a scale appropriate to the various manifestations of the percentages or classes of incapacity. In temporary disability is paid to the insured amount or a plan insured by the duration of the disability. Causing the accident Voluntarily by the release insured to the insurer to fulfill its obligations. The policy may be extended to cover health costs, provided it is carried out in accordance with the agreed terms. This form of insurance is the only people in the industry where compensation for Consortium insurance is related to extraordinary risks.
It
can also ensure the risk of disability, establishing the payment of an amount
for the case of absolute or total permanent disability and amounts to
determining a new scale is partial if the disability.
comprehensive, medical, legal and depository for all travelers wishing to
travel abroad. In this type of insurance, provide insurance through their
operational goal when the central event, offering the traveler a real protection
at an accident, illness, etc.
Travel
insurance can be for a short, long-term or annual multi-trip for frequent
travelers.
What
they have coverage with the limits of the amounts that the traveler uses the
service
Medicare
and Health Care insurance Diseases of the collection of the amount provided in
the case will be affected by the disease, shipment to medical and
pharmaceutical treatments. This insurance protects the insured against the
consequences of anomalous condition of the body or mind, according to the
medical opinion. An insurance certificate is a sum of money for each day of the
illness, with a waiting period and a maximum allowance limit. In some cases, it
is limited to reimbursement of hospitalization or surgical expenses.
What
is life insurance?
Many
are concerned about the economic problems that can cause their family death.
His
biggest fear is that the spouse and children do not have the resources or
income to pay for funeral expenses, housing debts and living expenses.
Life
insurance acts as a guarantee against a possible situation of economic
constraints and the beneficiary will receive a sum of money in the event of
death.
Give
peace to his family.
By
signing a contract with the insurer, the insurer agrees to deliver to the
beneficiaries a sum of money at the time of death.
Its
obligation in this contract is the payment of the premiums, as provided for in
advance. Some policies may benefit the insured.
These
policies accumulate savings that can be used in the future to supplement your
retirement, or whatever you want to spend.
For
many, this problem is violent, but a little 'advice is essential to study the
diversity of offers to determine what is the ideal coverage, according to your
needs.
Why
rent life insurance?
The
need for life insurance depends on your personal and financial circumstances.
The
personal guidelines you need to take into account are: Do you have a husband,
young children and you are in charge of your welfare? Are your parents elderly
or disabled in the family ?, Do you need capital to mount anything
independently or for private use and The insurance can help? Is your pension or
pension too low to maintain your living standards if you were not ?.
If
you answered one or more of these questions, you may consider taking out life
insurance for your peace of mind and yours.
Life
insurance is often used to pay inheritance tax and funeral expenses.