What is Life and Health Insurance: Definition

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Small payments will not be critical for the family budget. However, they will allow you to save up for real estate, education or a new car. In this case, it is worth paying attention to the choice of the insurer, choosing a reliable company with a reputation. To earn extra income The policy can become a personal investment.

The income received is used to create a safety cushion. Unlike fusion data a deposit, insurance dividends are not collected in court. And they are not divided in case of divorce. This means that the money will remain safe and sound. In addition, a person is allowed to return 13% of the paid insurance premiums.


The deduction is received if the policyholder pays personal income tax, and the NSL agreement is concluded for a period of 5 years. In this case, the amount of payments is not > 120 thousand rubles per year. Characteristics of popular health insurance programs When talking about health insurance, it is impossible not to mention the main types of medical insurance in Russia.

Compulsory Medical Insurance OMS is a compulsory medical insurance. It guarantees free diagnostics and treatment on the territory of the Russian Federation. A person is allowed to contact not only doctors of the state polyclinic with the policy. Many private medical centers work under OMS.