http___www.kredit-zajam.com_zivotno_osiguranje.aspx_1.xml
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Main Difference The main difference between Life Insurance and Health Insurance is that Life Insurance that gives out an amount of money either on the death of the insured one or after a certain period, and Health Insurance cover costs of an insured person’s medical and surgical expenditures. Life Insurance vs. Health Insurance The point of life insurance is to ensure the ones you love or relatives are financially taken care of if anything happens to you, on the other hand, health insurance covers the cost of treatment of diseases, injuries, damages, and other medical disorders. Life insurance is usually offered for a specific period, dependent on the insurer, whereas health insurance detriment amounts usually rearrange at the start of each calendar-year basis. Though the date may be reliant on the insurer. Commonly, to claim or demand on a life insurance plan, your recipient will need to interaction the insurer and offer all related claims forms, containing a valid or legal death license, while in health insurance, you can claim immediately, or go on the internet, with claim or request forms, statements, and receipts to the insurer. A life insurance premium or contributions is reliant on many factors, with your age, gender, insurance amount, contribution type, your overall health, and smoking status; conversely, health insurance policy usually centered on the type and extent of cover you acquisition, your left-over amount and the land or country where you live. In life insurance, premiums are not deductible for tax purposes; however, the lump-sum or total benefit is mostly tax-free when compensated to financially reliant receivers, whereas health insurance aids to avoid or prevent the lifetime health-care coverage loading and medicare taxation surcharge. Comparison Chart What is Life Insurance? Life insurance is an agreement among an insurer and a policy-holder or taker in which the insurer assurances reimbursement of a death benefit to entitled beneficiaries or recipients upon the death of the insured. The insurance establishment promises a death benefit in respect of the sum of premium by the insured. It is important to evaluate applicants financial condition and conclude the standard of living required for their living dependents before buying a life insurance policy. Many life insurance networks are available, containing entire life insurance, term life plan, universal life plan, and variable or adaptable universal life plans. It is careful to re-evaluate life insurance requirements per year, or after important life occasions like wedding, divorce, the birth or adoption of a teen and main buying, like a house. What is Health Insurance? Health insurance is the protection coverage that covers the cost or price of an insured person’s medical and operating expenses. Insurers use the word “provider” to define a private clinic, hospital, specialist doctor, test center, healthcare consultant, or drugstore that treats a person. The “insured” is the holder of the health insurance program or the person with health insurance handling. Dependent on the kind of health insurance handling, also the insured pays costs or charges from his pocket and takes compensation, or the insurer makes costs straight to the provider. Types of Health Insurance - Private Health Insurance: Private healthcare offer this type of insurance. - Government Health Insurance: In this insurance, the government funds healthcare in interchange for a premium. - Managed Care Policies: In this type of plan, the insurer will have agreements with a system of healthcare providers to provide lower-cost health care to their policy-holders. - Guarantee, or Fee-For-Service Plans: A fee-for-service policy covers treatment or cure equally between all healthcare providers, letting the insured to select their desired place of treatment. - Health Care Organizations: These are organizations that offer medical care straight to the insured. - Preferred Provider Organizations: In that organization permit the insured to the appointment any doctor they choose. - Point-Of-Service Plans: The type of plan will command the progress of treatment. The insured can select between organizing all treatment through a primary care doctor, receiving treatment within the insurer’s provider organization, or using non-network providers. Key Differences - A life insurance plan that covers definite life occasions, such as death, disability, and severe disease or injury, whereas health insurance plan that covers medical schedules, procedures, treatments, and hospitalizations. - Life insurance offers death benefits, while health insurance offers treatment and medical advantages. - Life insurance is less costly, whereas health insurance is relatively more costly. - In life insurance, cash spent as a premium can recover on the policy expires; on the other hand, in health insurance cash cannot be recovered after the policy expires. - Life insurance generally made for a long-term. As against, health insurance made for the short term. - The premium for life insurance can also be paid in a lump-sum or interrupted intervals. In contrast, the health insurance premium paid in a lump-sum for the complete term. Conclusion Overall, in a life insurance plan, the insured, acquire the cash assured on the death or passing of the insured or the end of the term for which policy is taken. In health insurance, no return funded to the insured at the end of the term, as an alternative, in case of any medical crisis, the medical expenditures are refunded or cashless treatment delivered, subject to the sum covered.
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Životno osiguranje Kod životnog osiguranja je osigurani slučaj smrt osiguranika odnosno premija se isplaćuje u slučaju smrti osiguranika. Takve police osiguranja nemaju komponentu štednje i kao takve nisu zanimljive kao osiguranje otplate kredita. Kao osiguranje otplate se koristi tzv. mješovito životno osiguranje. Takvo osiguranje je ujedno i štednja. U slučaju smrti osigurane osobe u vrijeme osiguranja osigurane osobe korisniku police se isplaćuje dogovorena osigurana svota za slučaj smrti zajedno sa pripisanim dobicima. Ukoliko je osigurana osoba doživila istek osiguranja, isplaćuje se dogovorena osigurana svota za istek osiguranja sa pripisanim dobicima. Bitno je napomenuti da se ovdje radi o dvije osigurane svote, jedna je za slučaj smrt u osiguranom periodu, a druga za slučaj "doživljenja" osiguranog perioda. Životna osiguranja ne donose veliku dobit jer se ipak prvenstveno radi o osiguranju života, a tek sporedno o štednji. Prilikom sklapanja životnog osiguranja treba vrlo pažljivo pročitati sve što piše u ugovoru, a posebno ono napisano sitnim slovima. Tamo obično piše da se kod prekida osiguranja u roku do 3 (ili više) godina ne dobije ništa, odnosno da se tek nakon 15 ili više godina može dobiti natrag uplaćena svota. Sa životnim osiguranjem oprezno, životno osiguranje se sklapa na dug rok.