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Risk life insurance is insurance that protects yourself and your family in the event of various illnesses and disasters. Risk life insurance includes several types of protection: injury insurance, serious disability insurance, life insurance, etc., depending on the insurance company.
Injury insurance is intended to help with serious injuries and bone fractures. True, according to Swedbank, it does not apply to seasonal infectious diseases (such as influenza, pneumonia) and chronic pain (such as knee or back pain).
A severe disability insurance benefit would help avoid financial hardship if, in the event of an insured event, a person loses their ability to work and, as a result, loses their normal income. And in the event of the death of a person, the life insurance benefit could be received by the person named by the insured, which is usually of great help, since the administration of the estate and inheritance usually takes time and the benefit of the Life insurance is paid no later than 30 days after filing.
Pavel Ladziato, director of retail banking at Swedbank, explained in detail how much he usually looks for for the first part: injuries.
“The amount of risk life insurance is optional: people insure their lives on average 30 thousand. Worth of EUR. The maximum amount of injury insurance in Swedbank can reach up to 20 thousand. Euros. The specific benefit depends on the complexity of the injury suffered and its consequences for the person.
For example, benefits for broken bones in the head, upper body, pelvis, or large limbs amount to 1-2 thousand. euros. At that time, injuries such as bruises in the tissues, dislocation of a bone in a joint, sprains of muscles or ligaments and similarly usually result in benefits of 100-200 euros ”, explains Mr. Ladziato.
A disaster in which at least some help can be provided
The severe disability insurance benefit would help avoid financial hardship if you lose your ability to work in the event of an insured event and lose your normal income as a result.
The disaster of Anna’s family in Kaunas permanently changed the lives of its members. Financial difficulties were part of those changes. According to her, the family was the most affected not by the grandfather’s diagnosis, but later by financial concerns.
“My grandfather had a heart attack and a stroke at the same time. What do you think the consequences were? More than 10 years of life locked in bed, constant need for nursing and zero income. I’m not talking about the whole moral side: it was sad and scary. But it has affected the lives of all of us.
You had to pay for nursing, tools, medicines. We count every penny. By the way, it should be remembered that all these things you had to pay with half the income that before, the grandfather stopped working, so part of him did not stay at all (it is curious that some explain that the disability pension is enough ). And when we couldn’t get help (there were periods like this), he was replaced and cared for by family members. At that time, they had to take a leave or balance work, which also affected their income, ”said Ana.
Mr. Ladziato clarified how the financial impact of such a disaster could be mitigated.
“Serious disability insurance is a significant loss of physical or mental capacity caused by an accident or illness that severely limits the insured’s ability to perform any work or care for himself and results in 30% of the insured or one level higher. low working capacity that lasts continuously for 12 months or more.
An uninterrupted 12-month period can consist of several separate 6-month periods, which will be uninterrupted or no more than 30 calendar days apart, ”said Ladziato.
The serious disability insurance benefit is a sum of money that is paid in the circumstances already mentioned. This amount is equal to the amount of life insurance valid on the day of the insured event, unless otherwise specified in the insurance policy.
For example, if a person suffers a stroke and after that they can no longer control all or part of their body, only 20 percent are diagnosed. viability. With severe disability insurance, the full amount of the chosen insurance would be paid, which is equal to the amount of the life insurance.
The amount received would help maintain the standard of living, pay the bills, and at least make it a little easier to adapt to changing life circumstances. It would certainly also be easier for the family, especially if the insured and the severely disabled person were the main breadwinners in the family.
Every injury is important
In the event of an accident or injury, the total number of injuries sustained is generally not calculated. According to Mr. Ladziato, each trauma is evaluated separately.
“For example, if the insured has suffered a vertebral fracture, we evaluate each vertebral fracture separately and allocate a thousand for it. payment in euros. So if 2 vertebrae in the spine are broken, the benefit is 2,000. euros. Vertebral fracture benefit is limited to a maximum of 3,000. euros.
The same rule applies in the event of a head injury. If one or more bones in the head are broken, the benefit is 2,000. EUR, benefit for nasal fracture – 400 euros, facial bone fracture – 1 thousand. euros. In the event of a brain injury, depending on its severity, an insurance benefit of between several hundred and several thousand euros can also be awarded, ”said Mr Ladziato.
The most common insurance benefits
An arm fracture is one of the most common injuries. In addition, especially in athletes, ankle injuries are very common. In this case, not only treatment is needed, but also surgery. All these cases are counted separately.
“When the insured breaks his hand, a benefit of 400 euros is paid for each bone fracture. The maximum benefit for a limb cannot exceed 1.6 thousand. euros. The fracture benefit for fourth and fifth finger fractures is € 200.
In case of a fracture of the scalp, except for fractures of the facial and eye sockets, the benefit amounts to 2 thousand. euros. Nasal fracture – 400 euros, fracture of other facial bones – 1 thousand. Euro, “said Mr Ladziato.
The benefits of the most common injuries are complex – all individual fractures and necessary procedures are calculated after an injury:
Ankle or clavicle fracture / dislocation + operation: 2,800 euros + 600 euros = 3,400 euros.
Hand fracture (two bones) + operation: 400 euros + 400 euros + 600 euros = 1,400 euros.
Forearm fracture (two bones) + operation: 1000 euros + 1000 euros + 600 euros = 2600 euros.
The most important thing is to contact a specialist you trust, who will also present the possible benefits and help you understand the amounts and cases that you will be protected.
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