People work hard to create a solid financial condition for themselves and their families. They also buy new houses, cars, expensive household appliances. But not everyone thinks that any day of life can present an unpleasant surprise. It is in order to somehow protect themselves from such situations, it is necessary to use the services of insurance companies. You need to choose the best Insurance Type and can come up with the options you look for.
Personal financial planning will ensure a stable financial condition in the future, and insurance will guarantee its integrity. For example, if suddenly expensive property is damaged, it will be possible to receive monetary compensation for it. Today, all developed countries of the world consider insurance the norm.
The Understanding of the People
People clearly understand that life cannot be completely controlled, regardless of financial condition. Europeans, accustomed to daily comfort, no longer spend their nerves in force majeure situations, because they have insurance. You can insure not only property , but also health , which is the greatest value. All risks and amounts necessary for insurance can be discussed with the manager of the respective company.
- At first, policies were “packed in boxes” only in property insurance, where it was easier to standardize insurance conditions, but the format was quickly appreciated – it spread to other types of policies. Every year there are more and more such offers, it has become possible to add or remove insurance options and choose the appropriate one from several insurance amounts. “Boxes” began to appear even in the most complex forms, such as, for example, investment life insurance, etc.
Typically, the insurance “box” contains 3-5 options for insurance coverage and prices. Everyone can choose for themselves the best option of protection from the already “packaged” offers.
- The name “box” came just from the “packaging” of the product – insurance is sold in a small paper box brightly decorated to attract attention. Probably, many of you paid attention to them in communication stores, banks, and stores.
In this box, in addition to the insurance policy, it is also an insurance contract, conditions and a memo of the insured are enclosed. It describes in detail all the nuances of the contract: from the insurance object, the sum insured, risks included to the instructions: what to do if an insured event occurs, where to call, what documents to collect. Also in the “boxes” there are materials on additional services that insurance companies began to actively include in their products.
If we talk about property insurance, then one of the key advantages of box insurance is that a house or apartment does not require inspection and evaluation (you do not need to spend time meeting an expert appraiser and letting a stranger home), it is enough to purchase a policy with the most suitable conditions.
The process of applying for a policy takes no more than 5-10 minutes, since the insurance contract is considered concluded after the customer pays for such a box, and from the documents it is enough to present only a passport.
And the most important advantage – the cost of box insurance is much lower than the classic insurance, since experts do not go for an examination, standard contracts are already developed and do not require additional work on examination and coordination, there is no need to evaluate the property or confirm its value – everything is ready and framed by you in a few minutes.