Category Archives: Health Insurance

06Mar/18

Health Insurance And Health Insurance.

Health Insurance

  • When the insured risk is the disease, the insurer may be obliged, within the limits of the policy, in the event of loss, the payment of certain sums and the expenses of medical and pharmaceutical assistance

  • In these types of insurance, if it is about health insurance, a certain amount is paid, and health care expenses are reimbursed; and if it is health insurance, the insurer will provide the insured person with medical assistance with which the insured person will provide the service itself

  • In this type of insurance, the policy will establish the so-called grace period (term, counted from the insurance contract, in which a particular benefit cannot be requested or during which it will not be covered).

Death Insurance.

It covers the burial services, and the insurance company assumes the expenses and procedures caused when the insured person dies.

Orphan Insurance.

It covers the granting of a temporary pension in favor of children under the age of 18 in cases of death of the father or mother of those who lives sure of economically.

What Is Meant By Insurance Contract?

An insurance contract is understood as that in which the insurer undertakes to indemnify or perform other benefits, within limits agreed upon, to the insured person in exchange for an economic consideration (premium), in the event that the insured person the fact of the coverage will occur (fire, accident, theft, etc.) will happen.

As a general rule, the insurance party will be an insurance company, while the insured party will be a consumer and user.

The document in which the insurance contract is formalized is called a policy.

There are different types of insurance contracts: accident, travel, transport, home, theft, life, home, health; Well, to all the modalities, in the absence of the Law that is applicable to them, the provisions of Law 50/1980, of October 8, of insurance contract will apply, meaning the clauses of the agreement that are most beneficial to the insured person.

The General Conditions must be included by the insurance party in the insurance proposal if there is one and necessarily in the contract policy or in a corresponding document, which will be signed by the insured person and to which a copy of it will be delivered. The general and particular conditions will be written clearly and precisely.

In the contract, individual clauses limiting the rights of insured persons will be highlighted, which must be accepted explicitly in writing.