Insurance in Ukraine.

Life insurance

  Life insurance - is a type of insurance where the insured person's life directly. The purpose of this insurance is the accumulation of funds to a specific event that must occur in the future life of the insured.

  In the traditional understanding of life insurance in Ukraine is getting financial compensation in the event of death of the client specified in the contract beneficiary. Contract is usually for a period of more than a year, so that such insurance may be to combine both a risky and the cumulative function, that is, with survival up to a certain age you can get the full amount of self-insurance.

  Another type of life insurance is cumulative (long-term life insurance), where the sum insured will be paid for survival of this age, and if the insured dies - then his heirs. In the short-term insurance may be conveniently and inexpensively to protect his life from all sorts of risks. In the mixed type of insurance you can insure not only life but also to protect themselves from the consequences of accidents.

  When a contract of life insurance major risk that it stipulates a risk of death. In this case the policy can be specified and other risks are: Survival, death, accident, lost all ability to work. Insurance rates for life insurance is determined by gender, health status, age clients. After the calculated premium is paid by the scheme, which is specified in the contract. After the expiration of the insurance policy coverage is guaranteed by the full amount paid to the policyholder or his heirs.
Our company offers a wide variety of options and types of life insurance.


  In the insurance case should contact the Private Company "People's Insurance Alliance" in any way (by phone, fax, email).

The notification must contain the following information:

    Contract number
    Name of Insured
    The date of the insured event
    The preliminary diagnosis
    Contact information (phone, postal address, email address)

  Corporate clients should contact the curator of the contract or the Sales Department at (380 44) 254-63-70

You must provide to the Private Company "People's Insurance Alliance" completed application for insurance payment with the application of required documents.

Documents required when the insured event program of life insurance:

· The original policy / insurance contract;

• An application for an insurance payment from the detailed description of the circumstances of accident and indicating ways of obtaining insurance payments (in cash or by transfer of the Insurer's bank account indicating the bank details); 

 

• Act on the accident at work (Form H1), if the accident occurred during the execution of the Insured of official duties;

 

• The original certificate of the body the Interior Ministry, Emergency Situations Ministry, fire inspection, explaining the circumstances of the accident (if necessary)

• A copy of the document (passport), the recipient's identity insurance payment (first, second, reverse and turning to the registration at the place of residence (address)); 

• A copy of the certificate of identification code, a person who receives the insurance payment;

 

In the insurance case involving the death of the insured person:

 

· the original death certificate of the insured person or a copy thereof, certified by a notary or the authority which issued the certificate;

• A copy of a medical opinion on cause of death; 

• a certificate of medical institutions of the presence or absence of alcohol, narcotic or toxic intoxication of the insured person at the time of the insured event (if necessary);

 

• a copy of the judgment or decision to initiate / terminate the criminal proceedings (if necessary);

• a certificate of inheritance, which is included in the insurance payment (if the beneficiary has not been appointed); 

When an insured event that is associated with survival of the insured person before the date of expiry of insurance or until the age specified in the contract of insurance is required to personally appear before the Insurer or the Insurer to provide the opportunity to witness Representative of this fact.

 

When an insured event that is associated with the onset of disability:

· the original or a copy of the certificate on establishment of disability for the insured person of a minor - the original or a copy of the WCC on disability;

 

• A copy of extracts from the history of the insured person;

• a certificate of medical institutions of the presence or absence of alcohol, narcotic or toxic intoxication of the insured person at the time of the insured event (if necessary); 

When an insured event that is associated with a temporary disability:

 

· A copy of extracts from the history of the insured person and / or an extract from the patient card and / or other medical help to clarify the diagnosis;

 

• copies of the enclosed sheets of temporary disability, certified by the personnel department with a seal at the place of the insured person;

• a certificate of medical institutions of the presence or absence of alcohol, narcotic or toxic intoxication of the insured person at the time of the insured event (if necessary). 

When an insured event that is associated with the establishment of the Insured diagnosis of critical illness:

 

• A copy of extracts from the history of the insured person;

 

• copies of the enclosed sheets of temporary disability, certified by the personnel department with a seal at the place of the insured person;

• documents the medical institution confirming the transfer of the insured transaction or disease that has symptoms of an insured event. The documents should be listed diagnosis, confirmed by the generally accepted medical practice in the treatment or diagnosis of diseases of the relevant laboratory, clinical, histological, radiological studies