Documents for insurance in case of injury
To receive payments, you must submit the following documents to the insurance company:
- statement;
- identification;
- accident report;
- insurance policy;
- medical report of a doctor and state labor inspector;
- certificate of earnings;
- work book;
- certificate of disability;
- traffic police report if injury occurs in an accident.
The list of injuries for insurance payment includes:
- dislocations;
- bone fractures;
- hematomas;
- soft tissue damage;
- tendon rupture;
- burns;
- frostbite;
- loss of hearing, vision, damage to internal organs due to a blow or fall;
- operations after injuries.
A detailed list can be found in each insurance company, where the contract indicates the percentage of the total amount of payments.
How to get insurance after an injury
As soon as you are injured, you need to collect documents and submit them to the insurance company. This is provided that an insurance contract was drawn up here at one time. If an employee is injured at work through no fault of his own, insurance payments are made by the Social Insurance Fund, where you must submit a claim. An injury at work must be recorded and an accident report must be drawn up.
You can order insurance after an injury by phone, or fill out a special form on the insurance company’s website, or use email.
How to get injury insurance
If an employee of an enterprise receives an industrial injury, he will receive payments after submitting an accident report to the Social Insurance Fund. But if he falls on the landing at home and gets injured, then no one will pay for doctor visits, medications, or surgery costs.
It is necessary to contact the insurance company with an application and draw up an insurance contract, which stipulates the conditions, terms, and amount of payments. In this way, people traveling outside their place of residence can protect themselves from accidents. Insurance is not provided to persons who have intentionally injured themselves, as well as to those involved in an accident due to their own fault, or to citizens who have committed illegal actions.
Terms of payment of insurance for injury
The policyholder is obliged to notify the insurance company of injury within 24 hours after the injury. After submitting the application, the insurer is obliged to review it within 10 days and make a decision on payment or refusal. In case of a work-related injury, payment is granted within one month.
When concluding a contract with one of the insurance companies, the terms and conditions of payments in each of them may vary. The payment amount for each type of injury is assigned as a percentage of the highest payment amount. If several fractures occur, the victim receives several payments, the total amount of which should not exceed the amount established by law.
Factors on which the price of a voluntary insurance policy depends
If a person voluntarily takes out insurance, he chooses the amount of payments independently: it is important that the amount of compensation is sufficient and that the policyholder is able to make insurance contributions. The tariff is determined by the insurance company, as well as the percentage of payments for insured events. The tariff will be higher if the contract specifies many risks. The tariff starts from 0.12%, if a person insures himself against death, to 10%, when the list of insured events is quite large and includes various diseases.
What determines the amount of insurance premiums:
- if a person is an athlete and may get injured, the tariff will be high;
- when insurance is taken out for a child or an elderly person, insurance premiums will be higher;
- if the policyholder is engaged in work hazardous to injury, he will have to pay a lot for insurance, however, the percentage of payments for insured events will also be large;
- you will have to pay more for insurance if the policyholder is a man and his age is over 40 years;
- The tariff will be quite high when a person suffers from an incurable disease;
- if the insurance history is favorable and the person has proven himself to be a reliable client, the cost of insurance will be lower;
- When you take out family or group insurance, you can also get a discount;
- if you conclude a contract for several years, the cost of the tariff will also decrease;
- the cost of insurance will be high if the policy contains many risks;
- the price of insurance also depends on the policy of the insurer.
The policyholder can make contributions either in full or in installments, for example every month, quarter or year. Before signing a contract with an insurance company, you should discuss all the nuances of cooperation, as well as study the contents of the contract.
