«Sucked — pay»
Spring and summer for insurance agents is quite a hot time, but what to do when most clients don't even think about rest. But there is a way out! During the warm period, citizens face a large number of threats. It turns out that you can insure your life not only from any banality: fire, flood or broken limbs. In summer, people are threatened by tick-borne encephalitis, lightning strikes, sciatica in the beds and the risk of getting lost in the forest. We decided to collect for you seasonal types of insurance that you might not even have guessed about.
We usually start to be afraid of ticks in April, when they wake up. Carriers of borreliosis and encephalitis are waiting for us where there are trees and grass. That is almost everywhere. According to compulsory health insurance, a free tick test is not provided. And it costs an average of about 2000-3000 rubles. But insurance will cover this amount if you decide to purchase an arthropod bite protection policy.
“I call tick bite insurance a good product,” says Irina Kontorshchikova, an insurance agent from Volokolamsk. — You can choose a different set of services, due to this, the price will vary. Depending on the chosen program, the package may cost 200 rubles, or maybe 4 thousand.
If you want to consider only the possibility of suction, it will be enough for you to insure for 200 rubles, and then the company will pay only for the analysis of the tick. If you take a full package of services, in case of contracting a dangerous disease, the insurance will pay for the treatment and rehabilitation in full.
House insurance now includes such a rare event as a lightning strike. True, in order to prove her hit, you will have to collect a whole pile of papers. Not only that, insurers will require a detailed report made by the nearest meteorological station about the weather in a particular period of time. You will also need a fire examination and the conclusion of a specialist who has the authority to assess the consequences of natural disasters.
— On the one hand, it may seem that you will face a lot of inconvenience, collecting evidence of an insured event, but on the other hand, you can run around for your own benefit. I note that a package of home insurance services is easily formed for a specific request, — says Irina Kontorshchikova. — For example, for a long time the most unclaimed position was insurance against falling onto the roof of an aircraft. And now, alas, in the light of recent events, it has become relevant, because every day we read news about the fall of drones in residential areas.
Another exclusively summer service is insurance against accidents in the country. If you were smashed by sciatica during planting work, hit with a shovel in the barn, or, God forbid, you were injured when you were mowing the grass, apply for sick leave and “write letters” to the insurance company.
“I’m not sure that an exacerbation of a chronic disease can pass as an insured event, but if the disease was detected for the first time, then it’s completely,” says Anna Semenova, an insurance agent from Lobnya. “If you wish, you can even insure yourself against a snake bite, a bear attack, or the risk of getting lost in the forest.
Here, of course, a special clarification is needed. Whether you are an ordinary mushroom picker or a summer resident who imprudently went deep into the forest in search of deadwood, it will be difficult for you to insure your life under a plausible pretext. But if you call yourself a person who is involved in amateur sports or outdoor activities, then special travel insurance will suit you.
— This insurance covers everything at once: injuries, attacks by wild animals, altitude sickness, the risk of falling into a swamp or get lost, a heart attack, a snake bite, allergic reactions, and even frostbite,” one of the insurance companies told us. — The issue price is from 2 to 5 thousand rubles a year. If you leave only those dangers that are associated with the forest, the cost of the policy will be minimal. But in this case, we count the bite of a wild wasp (attacked, stung, edema began), but a heart attack at the sight of a viper is not.