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02/02/2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Disability, temporary disability and diagnosis of serious diseases allow the user to receive contracted amount
The insured to receive the contracted amount when you confirm a cancer, for example
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The insured to receive the contracted amount when you confirm a cancer, for example
Despite being very popular for those who want to ensure tranquility for themselves or family members in the event of natural or accidental death, life insurance also offer additional coverage that can be triggered even in life by the insured.
Total or partial disability, temporary disability and diagnosis of serious diseases are some of the situations that allow the user to receive the contracted amount in your policy.
"Today is a market challenge to show that, beyond death, a complex issue, has the issue of disability, for example. A car accident can cause it and there is a whole process of recovery and rehabilitation of the house and stay absent from work, "said Alexandre Vincent, director of Life Products from Liberty Seguros.
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See the covers that allow the payment of indemnity in his lifetime:
1. Temporary incapacity
Professionals who, for health reasons, need to stay away from their activities, may hire in Porto Seguro, daily coverage for temporary disability. "If the insured hires a daily R $ 300, after ten days away in case of illness, or seven days in case of accident, it triggers the insurer and may receive fees for up to 365 days," said Jaime Pleasures, commercial manager Life, Porto Seguro.
2. Diagnosis of serious diseases
According to Alexandre Vincent, coverage of serious diseases is new on the market and little used - only 10% of customers who have life insurance choose it. "It covers some diseases and serious health situations, such as myocardial infarction, stroke, organ transplantation and cancer. If the person has a diagnosis of one of these diseases, receives the importance of time to treat this disease," he says.
It is noteworthy that the policy guarantees payment for a diagnosis. If the insured to heal and, in the future, receive a diagnosis of another disease, need to have bought a policy to be covered.
In the case of Liberty Seguros, the amount paid in the event of serious illness is not dejected that the amount must be paid in case of death. In the diagnosis of cancer coverage offered by Porto Seguro, after receiving the diagnosis, the insured is entitled to advance 50% of the basic coverage.
"It is a much sought coverage, since cancer has a high incidence in female audience and people can heal and have quality of life," says Jaime Pleasures.
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3. Special Anticipation due to incurable disease
"There are cases where the doctor certifies the case as irreversible. For example, in some diseases like cancer and Alzheimer's. When the insured drives us can anticipate 50% of the basic coverage of death, to have better quality of life," explains executive of Porto Seguro. The product offered by Porto Seguro, it is not necessary to prove expenses. Diagnosis enough.
4. partial or temporary disability
According to Vicente, in the case of disability caused by accident, it can be partial or total. "Through an accident, the person may lose the sight in both eyes, which is characterized as total disability, but it can also lose a leg, it would be partial disability." In such cases and disability due to illness, which needs to be full, the insured receives the contract value in the policy of still life insurance.
Vincent says that 60% of policyholders who have life insurance opt for this coverage. "It's a much larger than the coverage of serious diseases demand. People think it is much more expensive, but it's not," he says.
5. Personal accident and medical, hospital and dental expenses
This type of coverage ensures that if the the insured suffers an accident and need to be hospitalized or undergo medical procedures, the insurer shall reimburse your expenses.
Source: IG
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This article was translated by an automatic translation system, and was therefore not reviewed by people.