We have far gone from primitive people, but onethe factor of vital activity remains constant in human life. This is a danger factor. Despite the fact that people do their best to make their environment safe, accidents can happen anywhere and with anyone. It is impossible to foresee the occurrence of such a case, you can only minimize the damage.
Natural cataclysms of late no onenot surprising. Us if not floods, then we burn. The soil collapses, they descend from the mountains. There are absolutely incredible things - tornadoes in the central regions of Russia (at these latitudes such phenomena have not previously been observed). Every season we have anomalous: severe frost in winter, hot summer, icy rains. Even the fall of the meteorite is no longer a fantasy. In total, you will not list. Each natural catastrophe suffers a large number of people, receiving mutilation of varying severity.
Accidents can occur in the processlabor activity. This is a separate category of emergency situations. In this case, the employer takes over the costs of restoring health, since he must organize the production process so that he is as safe as possible for employees, he also pays the premiums for medical insurance. At our enterprises, very often safety equipment is neglected, both by the managers responsible and by the workers themselves, who carry out the production process.
We do not take insurance for our lives.But insurance against accidents and diseases will help to provide financial support for the treatment and rehabilitation of a person after the occurrence of an insured event. While in Russia is mandatory only registration of compulsory motor TPL insurance (Compulsory Insurance of Motor Civil Liability). This insurance must cover the damage caused to vehicles, and the costs of treating the injured.