Non-standard types of insurance in the Russian Federation

Life, health, property insurance against various risks has long entered our life, has become part of everyday life. In this article we will deal with the basic types of insurance and distinguish among them the most specific, non-standard, unusual categories.

The main types of insurance in Russia

First of all, insurance contracts are divided into 2 types:

• Required . To such insurance compels the law, and ignoring of its requirements leads to corresponding punishments. This category includes OSAGO, insurance for passengers, compulsory medical insurance.
• Voluntary . The insurance contract is concluded only at the request of the citizen.

What types of insurance are there? It can also be individual or group, and payments on it - one-time or as a rent. By definition of the amount of compensation, there is a proportional refund (any agreed part of the damage) and the system of the first risk (within the agreed insurance amount, all damage is paid).

According to the 48th chapter of the Civil Code of the Russian Federation, types of insurance in the Russian Federation are divided into 4 categories:

• Property;
• Personal;
• Responsibility;
• Business risks;
• In the light of recent trends, there are also additional specific ones.

Let's briefly review all the types that were voiced.

Property insurance

This category includes three types of insurance:

• Real estate (including engineering structures inside the insured premises);
• Vehicles (both in the case of complete destruction, and in the event of damage);
• Cargo (during transportation, unloading, storage).

Personal insurance

One of the most common and full types of insurance in Russia. It includes:

• Life insurance (since recently, this includes accumulative life insurance);
• Insurance against accidents (trauma, illness, deprivation of an organ or part of the body, disability, death);
• Medical insurance (mandatory compulsory medical insurance, voluntary medical insurance);
• Insurance of minors;
• Insurance of pensioners (compensation is available for obtaining only when the retirement age is reached) - compulsory and voluntary;
• Insurance of passengers of different types of transport;
• Employee insurance.

Liability Insurance

This category is very versatile. We list a number of insurance, which it includes:

• Civil liability for causing any harm to third parties;
• Responsibility for the quality of manufactured goods;
• Responsibility for non-fulfillment of obligations to the creditor;
• Professional responsibility - for causing harm to the employee, customers;
• Civil liability of organizations, enterprises that are a source of increased danger;
• Civil liability of various carriers - urban, railway, air, water transport, metro, etc.;
• OSAGO.

Business Insurance

This includes insurance:

• Financial guarantees;
• Loss or damage to the property of the enterprise;
• Investments;
• Risk of non-payment;
• Deposits;
• Export crediting.

Non-standard risks insurance

Quite interesting are non-standard types of insurance:

• Insurance of construction activities - the responsibility of developers;
• Agricultural;
• International (for access to medical services of world clinics, as well as for citizens who often visit abroad);
• Collective (insurance of several persons as a whole);
• Title (risk of loss of property rights by court order);
• Insurance of risks associated with financial investments;
• Political risks (the impact of factors associated with the policy of a state, the transaction).

Let us turn to specific cases of specific insurance.

10 unusual varieties of insurance

Let's turn to the world practice of non-standard types of insurance - consider the world ranking of the most unusual categories, compiled by the Dutch company Hullberry Insurance:

1. Insurance of rising fuel prices . For 19.95 euros, you can conclude an insurance contract, which provides for the compensation of additional spending, with the increase in the cost of gasoline by more than 15%.
2. The door slammed shut . Insurance against such embarrassment will cost about 18 euros per year. In the event of an insured event, you can receive up to 100 euros.
3. Stuck in the elevator . From 12 to 28 euros per year will be a contract with an insurance company; Compensation - 75 euros.
4. A succession of failures in the lottery . If the insured person has purchased an unhappy lottery ticket 52 times in succession, then it can receive a "comforting prize" from its insurer - 2500 euros. The insurance contract will also cost 12-28 euros.
5. Introduction of the "dry law" . Compensation from the insurance company will be 500 euros for the same standard 12-28 euros per year.
6. Wrongful imprisonment . Compensation for this extremely unpleasant situation will be the sum of 500 euros. The price of risk insurance is 12-28 euros per year.
7. Refusal at the altar . If the bride or groom of the insured person wracked the poor man with an unexpected "no", then the latter can count on the amount of 100 euros from his insurance company.
8. Hunted under the sight of a hidden camera . Those who are extremely unwilling to become an involuntary hero of the video, you can conclude an agreement (again, 12-28 euros per year), according to which you can expect compensation of 1000 euros.
9. Alien child . If a man does not completely trust his faithful, and DNA tests have confirmed his suspicions, he can receive 500 euros as compensation from the insurer.
10. Abduction by extraterrestrial beings . Compensation for such a strange and incredible incident will be 5000 euros. At the same time, one of the conditions of the agreement is the provision of relevant documents from doctors and air and space forces.

Non-standard types of insurance in Russia

Now let's turn to the unusual categories of insurance in our country:

• Insurance of animals . Brothers of the smaller can be insured against death, theft, murder. The insured must be healthy, registered in the nursery, have the necessary vaccinations, be at least 3 months and not older than 12 years - cats, 9 years - dogs.
• Insurance against industrial espionage . The insurance contract for businessmen who are afraid of criminal acts of their employees is one of the types of non-standard insurance in Russia.
• Insurance of real estate from the fall of a meteorite on it . Topical this type of insurance became after the incident in Chelyabinsk in February 2013.
• Insurance against the effects of a tick bite . The insurance contract includes compensation for the removal of the animal, researching it for carrying dangerous viruses, medical assistance, and spending on medicines.
• Insurance policy "Wedding" . This contract insures against a number of cases: bad weather, sudden illness of the newlyweds, absence of the photographer, driver, toastmaster and other necessary persons, etc.
• Insurance against the risk of traveling abroad . For those who are afraid that emergency circumstances are a serious illness, a court, a delay in issuing a visa - can disrupt an important trip, such a non-standard type of insurance will be very helpful.
• Insurance against dismissal . In an era of crisis in our country, such insurance is very relevant - especially for citizens who pay long-term loans, and for banks, such loans are outstanding.

To the basic traditional types of insurance in Russia and the world more and more non-standard, specific are added. Some of them seem unnecessary and unbelievable, and some take full account of the conditions of modern realities.