Insurance companies offer their clients a number of different types of insurance packages. Today you can insure against almost anything, but some people in particular should take care to protect themselves against various types of accidents. What can we find in the insurance offer?
House or apartment insurance has become very popular recently. Depending on the negotiated conditions and the amount of the premium paid, the value of the compensation may cover the costs of possible renovations or the purchase of a new apartment. In the case of single-family houses, such insurance is of great importance, because we are here, as it were, the forge of our own fate. So we have to take care of the safety of the place where we live and it is basically required by all insurers in the general terms and conditions of insurance.
The house should have, for example, a lightning rod, tight gas or electric installations, as well as anti-burglary doors. In addition, all inspections of furnaces or installations must be performed on an ongoing basis. All this to minimize the risk of an accident. If we are the owners of an apartment in a block of flats, the administration supervises the safety of our residents to some extent. It is required to protect against a lightning strike or short circuit, but it will not protect us, for example, from theft.
Each car owner is obliged to take out third party liability insurance. It is intended to cover any losses that may arise as a result of damage caused by the driver. Third party liability insurance is offered by almost every insurance company, and the amount of the premium depends on the age of the driver, vehicle age and accident rate. When purchasing insurance, vehicle owners usually focus on keeping the premium as low as possible, as in the event of an accident, they do not benefit from any compensation paid out. It is different in the case of AC insurance, which is a voluntary insurance.
Often, however, the vehicle owner has to buy them in order to keep the manufacturer’s warranty. However, this applies to new cars, purchased mainly on the primary market. The insurance premium is relatively high, however, in the event of an accident, the insurer offers extensive help. Before buying insurance, however, it is worth checking carefully whether our car meets certain conditions, for example in the context of towing outside the country. Acquiring AC insurance is not always profitable, but it all depends on the individual needs of the driver.
Civil liability insurance – professions
Some professions require third party liability insurance. This mainly applies to professions in which there is a high risk involved, and compensation to be paid in the event of a lost trial could be impossible to enforce. Third-party liability insurance mainly applies to lawyers who act on behalf of the client on a daily basis and represent him before judicial and administrative authorities. This insurance is also necessary for doctors who may be accused of medical malpractice. Accounting office owners also have to make sure that they take out third party liability insurance before starting their business .
Despite the fact that every employee has to pay the health insurance premium, public health services leave a lot to be desired. When we want to make an appointment with a specialist, we usually need a referral from a family doctor, which further extends the waiting period for an appointment. Moreover, not all tests or treatments are reimbursed. Private medical insurance can be of assistance and can be purchased from an insurance company representative or directly at a specific clinic. However, the differences between them are fundamental. In the first case, we usually insure ourselves against a given disease or we can use the services of selected specialists.
Depending on the type of insurance, it is possible to consult specialists of their choice or among those proposed by the insurance company. In the second case, the patient may consult specialists working in a given clinic. The insurance may cover visits to selected doctors or comprehensive health care. Another insurance offered by the companies is health insurance for the duration of a trip abroad. Insured persons may use the services of doctors under the purchased insurance, but this only applies to emergencies while traveling. Therefore, it is not possible to perform an operation or procedure under insurance that is not necessary to save a life. This insurance is worth buying in the case of travel outside the European Union, where health insurance under the National Health Fund is not applicable.