Learning some important things about insurance
January 13, 2009 / posted in category : insurance
Insurance is a mutual financial risk among a wider range of devices, or the commercial offer of protection against the financial aspects of risk, in terms of property, life and health, etc. The earliest form of insurance in Sweden was the cooperative fire aid in the Middle Ages.
Participants at the insurance is the insurer (insurance company) and the insured (the insured). The insurer makes a risk assessment and put it on the basis of a premium, ie the latter’s expense. If the policyholder is willing to accept a certain deductible reduces the premium. (The insurer avoid the cost of compensation and administration in less damage). In large insurance objects (such as ships, aircraft and buildings) to sign the insurer, in turn, a re-insurance from other insurance.
It divides insurance in life insurance and life insurance. The concept of life insurance includes various forms of pensions, survivors and health insurance while an insurance protects the policyholder, for example, fire, theft or damage. Examples of life insurance is insurance on cars, consumer electronics and home insurance. Cars are required by law at least have the motor. A little unexpected usually counted as an accident insurance in the Swedish system.
In many country you can share in certain life insurance policies in three layers. Every citizen has a basic protection from the State financed by tax, for example, Swedish citizens are entitled to subsidized medical care at the injury and retirement. Beyond this sign usually every employer a special health insurance (which provides financial support if it is away from work for a longer period) and a avtalspension. Finally, you can buy both private health insurance and engage in private pension savings. Once you reach retirement age even pension calculated on the basis of a combination of the three different pension arrangements.
You can learn more about insurance by joining insurance forum. There are discussions about every type of insurance. I believe, you will get some new and valuable information there.
No related posts.
