2. Insurance United States
2.1 life insurance
United States insurance market is the most developed insurance market in the world. In the background stands out personal insurance, which was sustainable development. It includes life insurance, annuity or pension insurance as well as insurance against sickness and accident.
Life insurance in the United States has existed since the year 1830.
Life insurance is now strategically principled industry, which provides investment and solution of social problems of society. Long life insurance has become not just inventory, through which people can accumulate funds to profit from investment, secure pensions and medical service. Life insurance has become a specific industry, aimed at a wide variety of customer needs: buying homes, paying for the education of children, minimizing taxes and much more. For a typical United States that life insurance companies, people often trust more than 14 banks.
Important activity for American insurance companies is life insurance (life insurance). Life insurance, offering a wide range of insurance and investment services, allows a person to solve the whole complex of socio-economic problems. Conventionally, these tasks can be grouped into two groups: social and financial. The first allows you to overcome the failure of the system of State social insurance and security. Second, implementation on the one hand, helps to increase personal incomes, and on the other hand, provides the necessary safeguards in the implementation of a number of financial and credit operations.
In the United States there are different types of personal insurance contracts:
Standard life insurance provides for the payment from the insurance premium for the entire life of the insured person;
Life insurance, limited period, provides for the payment of the insurance premium for a certain period of installments or in a lump sum the total amount required, after which the insurance policy is deemed to be paid. The amount stated in the insurance contract, is paid as a lump sum in case of death of the insured person;
Insurance, providing for the entire sum insured after a specified number of years in the policy or in case of death of the insured person;
Conditional death insurance only for some short period of time (usually a few years). A typical case is the debtor life insurance insurance for the duration of the loan;
The hottest kind of insurance-universal insurance. Its essence lies in the fact that the amount of the annuity is determined independently by the person that draws on himself the insurance. The company distributes these payments into three categories: one part travels to the buildup of the principal amount of the payment in case of death of the insured employee, and another to a special bank account to which interest is charged, and the third is to cover the cost of the company. In the annual reports of the company specifies which accounts and amounts received during the year,
15. Here I would like to say a few words about another form of personal insurance-medical insurance. American health care is amongst the largest industries in the nation. In the United States voluntary medical insurance and almost fully implemented by employers. Health insurance-the most common type of insurance on the job, but employers are not required to provide it at all. Not all American officials received such insurance. Yet in most large companies, health insurance is almost indispensable, and in 2005, they covered about 75% of the population of the United States.
16. There are many types of health insurance. The most common is the so-called compensation insurance, or insurance "fees". In this form of insurance, employer paid insurance company premiums for each employee with relevant policy. The insurance company then pays the checks submitted by hospital or other medical facility or physician. Thus paid for services included in the insurance plan. Typically, the insurance company covers 80% of the cost of treatment for the rest of have to pay the insured himself.
There is an alternative-the so-called insurance managed services. The number of Americans included in this type of insurance is increasing rapidly. In this case, the insurance company enters into contracts with physicians, other health professionals, as well as with agencies, including hospitals. The provision of all services provided by this type of insurance. Usually health-care institutions collect a fixed amount that is paid in advance for each insured.
The differences between the two types of insurance described is very significant. When insuring "service fees" paid the cost of the services that are actually provided to patients. When insuring "managed services» medical institutions receive only a fixed amount for each insured patient regardless of the volume of rendered services. Thus, in the first case, the health workers are interested in attracting customers and providing them with various services, whereas in the second, they are likely to abandon the appointment of additional procedures to patients, at least, is unlikely to appoint them more than necessary.
Currently, the United States Government also pays more than 40% of health spending inside major programmes-"Medicaid" and "Medicare". In accordance with the programme of "Medicare" is insurance for all Americans older than 65 years, as well as those who are approaching this age and people who have serious health violations. Program "Medicare" partly funded by tax levied on all workers-both with workers and employers. In General, this tax is about 15% of the income of employed Americans. In addition, the "Medicare" is funded from general revenue income tax. Medicaid program provides coverage for low-income Americans, mostly women and children from poor families. Under this programme, paid stay in nursing homes to those who require constant care and could not do without daily assistance.
However, there are many Americans who are not covered by any kind of insurance. Many of them work, but employers do not provide health insurance. At the same time, those people are too young to match the requirements of "Medicare", are not classified as unsecured and they were not subject to the Medicaid program. The number of Uninsured Americans, according to various estimates, ranging from 20 to 50 million. Pax. (8-20% of the population).
17. A large part of the cost of medical services in the United States is covered by health insurance, which is paid by employers and the Government. However, the share of citizens accounted for a substantial portion of the cost for providing medical services. These payments are generally considered to be regulatory and appropriate mechanism to reduce costs (if the employee pays part of the cost yourself, he rarely refers to the doctor).
One of the basic principles of health insurance-high efficiency of medical care. With regard to the cost of treatment, the insurance company covers costs associated with the use of the only correct way to treat high-positive result. Of course, the cost of heart surgery is very high, but still less than the cost of medicines to be taken quite a long time. Yes and the effect of conservative therapy is not always desired. So insurance companies prefer to incur large costs, but once.
Americans differ serious attitude towards their health. On the one hand, insurance companies protect their clients from non-professional health care, on the other hand, Americans trust their doctors and don't buy medicine without the recommendation of a specialist.
2.2 property insurance
It should be noted that in the United States, all types of property insurance legally are voluntary. However, the current practice in a number of reasons why certain types of insurance risks is a public necessity, often leads to the fact that the conclusion of contracts of insurance becomes a necessity. Take a look at the main types of property insurance.
Automobile insurance (car insurance) is compulsory insurance in the vast majority of States of United States. Car is uninsured, they simply will not be registered. The very notion of "compulsory insurance" was born in America in the early 20th century and improved over the years.
18. Today, automobile insurance is regulated by each State individually. Only in New Hampshire, Tennessee and Wisconsin it isn't mandatory. The differences in the laws of other States are mainly to the compulsory types of insurance out there, as well as to the minimum size of coverage.
Any insurance benefit (and the street it is better not to go, if you don't know the basic provisions of such instructions) starts roughly the same: understanding the car insurance is an important part of your training as a driver.
Insurance In The United States | Auto Insurance Quote | Part IV
2.1 life insurance
United States insurance market is the most developed insurance market in the world. In the background stands out personal insurance, which was sustainable development. It includes life insurance, annuity or pension insurance as well as insurance against sickness and accident.Life insurance in the United States has existed since the year 1830.
Life insurance is now strategically principled industry, which provides investment and solution of social problems of society. Long life insurance has become not just inventory, through which people can accumulate funds to profit from investment, secure pensions and medical service. Life insurance has become a specific industry, aimed at a wide variety of customer needs: buying homes, paying for the education of children, minimizing taxes and much more. For a typical United States that life insurance companies, people often trust more than 14 banks.
Important activity for American insurance companies is life insurance (life insurance). Life insurance, offering a wide range of insurance and investment services, allows a person to solve the whole complex of socio-economic problems. Conventionally, these tasks can be grouped into two groups: social and financial. The first allows you to overcome the failure of the system of State social insurance and security. Second, implementation on the one hand, helps to increase personal incomes, and on the other hand, provides the necessary safeguards in the implementation of a number of financial and credit operations.
In the United States there are different types of personal insurance contracts:
Standard life insurance provides for the payment from the insurance premium for the entire life of the insured person;
Life insurance, limited period, provides for the payment of the insurance premium for a certain period of installments or in a lump sum the total amount required, after which the insurance policy is deemed to be paid. The amount stated in the insurance contract, is paid as a lump sum in case of death of the insured person;
Insurance, providing for the entire sum insured after a specified number of years in the policy or in case of death of the insured person;
Conditional death insurance only for some short period of time (usually a few years). A typical case is the debtor life insurance insurance for the duration of the loan;
The hottest kind of insurance-universal insurance. Its essence lies in the fact that the amount of the annuity is determined independently by the person that draws on himself the insurance. The company distributes these payments into three categories: one part travels to the buildup of the principal amount of the payment in case of death of the insured employee, and another to a special bank account to which interest is charged, and the third is to cover the cost of the company. In the annual reports of the company specifies which accounts and amounts received during the year,
15. Here I would like to say a few words about another form of personal insurance-medical insurance. American health care is amongst the largest industries in the nation. In the United States voluntary medical insurance and almost fully implemented by employers. Health insurance-the most common type of insurance on the job, but employers are not required to provide it at all. Not all American officials received such insurance. Yet in most large companies, health insurance is almost indispensable, and in 2005, they covered about 75% of the population of the United States.
16. There are many types of health insurance. The most common is the so-called compensation insurance, or insurance "fees". In this form of insurance, employer paid insurance company premiums for each employee with relevant policy. The insurance company then pays the checks submitted by hospital or other medical facility or physician. Thus paid for services included in the insurance plan. Typically, the insurance company covers 80% of the cost of treatment for the rest of have to pay the insured himself.
There is an alternative-the so-called insurance managed services. The number of Americans included in this type of insurance is increasing rapidly. In this case, the insurance company enters into contracts with physicians, other health professionals, as well as with agencies, including hospitals. The provision of all services provided by this type of insurance. Usually health-care institutions collect a fixed amount that is paid in advance for each insured.
The differences between the two types of insurance described is very significant. When insuring "service fees" paid the cost of the services that are actually provided to patients. When insuring "managed services» medical institutions receive only a fixed amount for each insured patient regardless of the volume of rendered services. Thus, in the first case, the health workers are interested in attracting customers and providing them with various services, whereas in the second, they are likely to abandon the appointment of additional procedures to patients, at least, is unlikely to appoint them more than necessary.
Currently, the United States Government also pays more than 40% of health spending inside major programmes-"Medicaid" and "Medicare". In accordance with the programme of "Medicare" is insurance for all Americans older than 65 years, as well as those who are approaching this age and people who have serious health violations. Program "Medicare" partly funded by tax levied on all workers-both with workers and employers. In General, this tax is about 15% of the income of employed Americans. In addition, the "Medicare" is funded from general revenue income tax. Medicaid program provides coverage for low-income Americans, mostly women and children from poor families. Under this programme, paid stay in nursing homes to those who require constant care and could not do without daily assistance.
However, there are many Americans who are not covered by any kind of insurance. Many of them work, but employers do not provide health insurance. At the same time, those people are too young to match the requirements of "Medicare", are not classified as unsecured and they were not subject to the Medicaid program. The number of Uninsured Americans, according to various estimates, ranging from 20 to 50 million. Pax. (8-20% of the population).
17. A large part of the cost of medical services in the United States is covered by health insurance, which is paid by employers and the Government. However, the share of citizens accounted for a substantial portion of the cost for providing medical services. These payments are generally considered to be regulatory and appropriate mechanism to reduce costs (if the employee pays part of the cost yourself, he rarely refers to the doctor).
One of the basic principles of health insurance-high efficiency of medical care. With regard to the cost of treatment, the insurance company covers costs associated with the use of the only correct way to treat high-positive result. Of course, the cost of heart surgery is very high, but still less than the cost of medicines to be taken quite a long time. Yes and the effect of conservative therapy is not always desired. So insurance companies prefer to incur large costs, but once.
Americans differ serious attitude towards their health. On the one hand, insurance companies protect their clients from non-professional health care, on the other hand, Americans trust their doctors and don't buy medicine without the recommendation of a specialist.
2.2 property insurance
It should be noted that in the United States, all types of property insurance legally are voluntary. However, the current practice in a number of reasons why certain types of insurance risks is a public necessity, often leads to the fact that the conclusion of contracts of insurance becomes a necessity. Take a look at the main types of property insurance.
Automobile insurance (car insurance) is compulsory insurance in the vast majority of States of United States. Car is uninsured, they simply will not be registered. The very notion of "compulsory insurance" was born in America in the early 20th century and improved over the years.
18. Today, automobile insurance is regulated by each State individually. Only in New Hampshire, Tennessee and Wisconsin it isn't mandatory. The differences in the laws of other States are mainly to the compulsory types of insurance out there, as well as to the minimum size of coverage.
Any insurance benefit (and the street it is better not to go, if you don't know the basic provisions of such instructions) starts roughly the same: understanding the car insurance is an important part of your training as a driver.
Insurance In The United States | Auto Insurance Quote | Part IV
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