Insurance Plan Ideas

Using insurance discretion can reduce the level of conflict between the parties and give extra security for claims settlement.

An insurance discretion should be an independent valuation of a damaged object in an insurance settlement.

It's meant to be an instrument to curb the level of conflict in a claims settlement, says Senior Advisor Paul John from the Consumer Council.

A working group consisting of the Consumer Council, NITO Inspectors and the Financial Services' Union (FNO) looked into the scheme.

Annual undertaken around 300 Insurance discretion in (2012). Meanwhile, there are reports every year hundreds of thousands of injuries to insurers. Although there are relatively few cases involving discretion, represents cases significant value in settling claims.

When Used Discretion:

Discretion may be required in the settlement of damages on most types of insured objects like cars, furniture and other belongings, equipment and various items of value, but most cases that require judgment, building damage.

The right to deduct insurance discretion is warranted in the insurance contract.

Examples of situations where discretion may be appropriate:

Must Require Discretion:

An insurance judgment starts with one of the parties in a claims settlement requires discretion. As a rule, the insurance company that requires discretion. When one of the parties has required judgment, the other party is normally three weeks to find and appoint an assessor. After the parties have chosen assessor will be held a meeting where everyone involved in the judgment being present. This is called a judgment setting meeting. During the meeting receive the assessors a mandate which further describes what the mission is. In judgment setting meeting, the parties informed about what discretion means in accordance with the insurance conditions. Then drag the people involved in the survey to examine the damaged object.

Gorgeous Internal Calculations:

This discretion is to obtain relevant information about the object instance of government and expert reports.

When all of the facts are collected and processed will the assessors prepare a description of the insured object damaged. On this basis calculates the assessors value of the damaged item. Valuations which the assessors have undertaken is presented to the parties in a discretionary report. This report does not contain detailed calculations, but provides answers to the key items specified in the mandate, which re-entry price, market value prior to the damage, additional costs for statutory orders. In a judgment is detailed calculations discretion internal, and is exempt from the parties' access.

Possible Sources Of Error:

An insurance judgment is binding. Parties may not require a judgment set aside if they disagree with the valuation. If it can be proven wrong committed during the valuation may be changed. This may be pure procedural errors or wrong assumptions in the valuation. It may be difficult for consumers to detect, since calculations are secret. Other forms of error could be that the assessors have assumed an incorrect understanding of the terms.

About Insurance Discretion Best Tips

It is established recommended standards for execution of judgment, and standard documents for assignment confirmation, declaration of impartiality of assessors and design of the mandate.

How To Choose Discretion Person?

When set discretion select / appoint both the policyholder and insurance company an independent assessor each. It's in terms of insurance that the assessors must be experts and impartially.

This means that they should have the necessary knowledge and qualifications to perform the mission and that they should not have ties to any of the parties (such as consanguinity / friendships, employment or financial ties).

These are issues that should be emphasized in the selection of assessors:

When policyholders should find an assessor, it is appropriate to know that there are two major tariff organizations in our country. Both of these web sites where it is possible to locate the relevant appraisers with discretion experience.

It is not a requirement that the judgment man you choose is a member of one of these organizations, but it can be okay to contact them if you do not know of other relevant assessors who can take the assignment.

It is discussed whether there should be created an independent registry of assessors, but for now the proposal is loaded.

Expenses:

The parties assumed initially to bear the costs for the judgment man party selected. Other expenses, divided by parties with half each.

According to the working report (2012), a judgment incur costs of well over ten thousand crowns.

Requires company discretion in settling claims for insurance related to consumer can be useful to know that the company will offer to cover consumer costs associated with the assessment.

Lack of knowledge:

The Working Group believes that it is extremely important that the insured is receiving comprehensive and comprehensible information about discretion institute.

The working group believes the main problem of confidence in the discretion department just consists in the insured does not have sufficient understanding of the content and procedure of the scheme.

Russian doctors will be obliged to insure the responsibility to each patient by the insurance company. Compensation for deceased patients was 2 million rubles.

Compulsory liability insurance for healthcare organizations intends to introduce in 2013 the Health Ministry. This means that if as a result of treatment the patient is injured, he will receive insurance from 500 thousand to 1.5 million rubles, and 2 million will have his family in case of death. This was told by 2 September 2010 at a press conference Deputy Minister of Health and Social Development Yuri Voronin.

However, not all so simple. The money will be paid only in two cases.

If a person has died as a result of treatment (2 million), and if he became disabled. Insurance in the first group will be 1.5 million rubles, while the second - one million, while the third - 500 thousand. At the same time prove the guilt of a particular physician is not required. Especially since the source of the problem could be any health worker. For example, laboratory test results correctly written on the basis of which the doctor prescribed harmful treatment. Or a cleaner accidentally pushed a dropper, and the person is not getting the medication in time, became disabled. "No matter who made the mistake: doctor, nurse, technician, if as a result of contact with the medical establishment a person has suffered damage, he should be compensated through the insurance of liability of the institution," - said Yuri Voronin.

Thus, according to the officials, to receive a refund will be easier: just do not need to look for "extreme" and prove the guilt of a particular doctor, you can avoid "corporate solidarity", which usually prevents establish the causes of damage to the patient's health. And get to the truth will be easier. A person just need to apply to a specially created committee in each region. It will be composed on a parity basis by representatives of medical and social examination of state supervision in the field of public health, municipal and regional authorities, representatives of public organizations to protect the rights of patients and health care workers union. If necessary, they will invite experts from other areas, to appoint an independent examination by the insurer and, if found violations, prescribe pay back the money. All - in strictly specified time. 30 days - to the statement, another 15 - the examination and 15 - on the implementation of payments.

However, he missed one point: Before contacting the Commission, it is necessary to obtain a disability, and it is at times, as you know, takes years. So it is not yet clear whether the new system will simplify the mechanism for obtaining compensation or only complicate it.

The deputy minister noted that from the patient will not need to pay money and to issue an insurance contract. Doing this is a medical organization at their own expense. It concerns everyone without exception of medical institutions: state, municipal, departmental, private.

It is expected that medical institutions will pay annually to insurers for two percent of the volume of services provided. "This is the base rate," - said Voronin, explaining that it will vary depending on the qualifications of health care workers, and other forms of assistance characteristics. For providing false information about their health care systems will be fined.

The volume of insurance premiums to cover the risks of the market "health insurance" - 26.7 billion rubles, said Vladimir Voronin. However, allow this market is not all insurers. Requirements are as follows: the share capital of not less than two billion rubles, the share of foreign capital - not more than 25 per cent representation in all federal districts and not less than 75 per cent of the regions of experience in the health insurance market for at least 5 years, the availability of licenses for liability insurance and medical insurance.

Plus, the organization must necessarily consist in the professional community of insurers and make contributions to the guarantee fund community at least 50 million rubles.

In Russia To Impose Mandatory Insurance Of Patients From Medical Errors

"The presence or absence of foreign investment in the authorized capital for us unprincipled, we introduced the item on the recommendation of the professional community of insurers. And if other experts have convinced us that the item once we remove it," - said Yuri Voronin.

By the way, according to experts, to date, these requirements correspond to the units of the company. So the market is likely to be divided between several major players.

By the way, the insurer will be entitled to "shake off" by the amount of insurance paid to the doctor or medical institution, when such a criminal act of a doctor or medical services he rendered in a state  and if the health facility would prevent harm to the patient.

Insurance companies involved in the medical insurance will be accredited by the Health Ministry.
Now the bill "On compulsory insurance of civil liability of medical organizations to patients' posted on the ministry's website and is ready for public discussion.

About how, when, and how much to give your child to start spending money, you and I have discussed in earlier articles. Today I propose to talk to another vital topic - how to show a child benefit from the ability to save money for what you want, but do not take them in debt.

Imagine the situation: a 10-year-old boy Vanya parents give $500 every week as pocket money. Vanya has long dreamed of a game console, which costs $ 1300. The reserve fund * Wani have $320. Vanya's parents decided to lend him the necessary amount, but in the future expense allowance. That is to borrow money, not to buy him this thing. Educational effect of this decision is that the child for a while deprived of pocket money. During this period, he must feel himself to the rule: "You take other people's money at the time you give your and forever." More more effect will be achieved if the child has committed an unnecessary purchase spontaneously.

But in this scheme, there is one very important point, which should take into account the parents: do not borrow a child more than the amount of his two-week pocket the proceeds. Otherwise, you run the risk of spoiling relations with the child, because he was used to regularly receive money from you, and now proceeds to temporarily stop.

I do suggest to specify in advance a list of the child that you as a parent will pay him ourselves and of what your budget is not calculated. For example, you as a parent ASSUME spending on clothing, shoes, school supplies, school meals, etc. Payment terms that are not included in the list are discussed individually.

It is clear that in fact that is not included in the list of most frequently will also indirectly be paid out of your wallet. You are giving your child pocket money. But such a simple way the baby will be formed financial skills, which are then able to significantly ease his adult life.

And finally. Often, grandparents, too, can give the child a certain amount. In order to "party politics" was unified, and the formation of a child's financial skills passed smoothly, we recommend advance to discuss the issue with representatives of the older generation of your family. Find out delicately, how much money they plan to give to your child, and how often, because sometimes an additional source of income and can serve as gifts received in banknotes birthday.

Day today suggests that stand on a par with major employers and proudly call myself a businessman just incredibly difficult. All areas of profitable operations have long been captured. Need to invest is not small money, get insanely huge number of different kinds of certificates, to issue mandatory for the selected type of activity documentation. In the next step: the selection of professional staff, search and registration office space. And even if all this and be able to properly do, it remains perhaps the most important point to develop your business can not everyone.

Today is guaranteed to have a successful business is extremely difficult, the slightest omission or neglect of some trifles and the risk of losing nearly that well-functioning business grows exponentially. Is it possible to find the optimal solution for creating your own business on the criterion of "guaranteed reliability - lowest costs on - the maximum profit"? Current opinion: - This is fantastic! It just can not be, as there can be no such business - criterion.

Do not forget we live in Stunning World, the smart, enterprising and highly talented people and the fact that for many seems fantastic, we often - everyday reality.

So this time, it offers even more simple, however, advanced, cost-effective and highly relevant idea of ​​creating your own full and profitable business to create its own as an "insurance company".

Well, that's somehow become attached to the soul Sergey large and small outlets gastronomic orientation. And one day, replenishing goods in one of its profitable stores of five baskets, he became a witness impartial communication between the buyer and the furious the store owner. Buyer required to return the money for a loaf of sausage, which he brought from home after shopping in this store. From his point of view, the product was defective. From an administrator's perspective - everything was in order.

When the dust settled, Sergei talked with sellers, and then the administrator and found that for certain types of food such cases is quite commonplace and occur with surprising regularity. Any store has a fund to cover the cost of paper spoilage, but "sometimes" these products in the shopping cart yet fall. So was born his idea to create their own insurance company "Apple".

The essence of the idea is very simple, more importantly, do not be greedy! He agreed with a number of food stalls, and then a large grocery stores that all risks in cases of low-quality products customers return to his insurance company incurs. For this shopkeeper contract with them, places in the store advertising products his insurance company, and cashiers to everyone insure their purchase offer plastic cards with the logo of the company, physical address and phone number. But a prerequisite for such insurance is premium products purchased by exactly 1 ruble. Who would think - nothing, but it is not so. Average store serves between 1,000 and 3,000 thousand customers a day, let half of them, and - this is the case, take advantage of this service insurance, because the ruble is not a pity, daily profit from one of the store will average 2,000 rubles, or about 60,000 rubles a month. For example, in the supermarket, which is now visible in the window of our office, a day is up to 10-15 thousand people will agree - this is a big business.

Insurance business enjoyed a "frenzied" popular - is one of the modern services, which is already on the first day of the opening ensures you stream of regular customers. Transfers to your account, with a minimum of your effort will come every day.


If you are interested in opening a personal insurance business, be sure to check with a free video course from Sergei Semenov:

                       "OPEN YOUR INSURANCE COMPANY PRODUCTS".


Sergei popular in detail and objectively describe a phased plan of action for your discovery of the insurance business. The license for this activity, instructions, examples of contracts with the administration of stores, plans and materials advertising companies are also presented free of charge. In fact, you will get their hands on almost finished turnkey business system, and with her financial independence and stability.

Be of good cheer, prosperity, luck and success!

PS Again, what's the catch, and where is the self-interest? What kind of altruism is giving away right and left is not just an idea, but just did ready-made business? Have you tried yourself to issue, for example, the license for any type of activity? Immediately say: - Sorry, hemorrhoids still that. But Sergei and her, and virtually all other documents simultaneously, and presents you with a gift. That is, your insurance company initially will be like a branch, and you business - partner.