Health insurance is the same medical service insurance that is provided with different plans in the country. If you are covered by social security insurance and unemployment insurance, you cannot use the medical services of this insurance policy.
What is Insurance?
Insurance is a written contract by which the insurer undertakes to compensate the damage caused to the policyholder within the limits of his obligations and the terms of the contract, in return for the payment of the insurance premium by the policyholder, or a certain amount. pay him the money, and among the types of insurance, each of which has its own conditions of conclusion, we can mention the insurance of persons and property.
Types of Insurance in Iran
Types of insurance in Iran, in general and based on the subject of insurance, can be divided into 4 categories, which include property insurance, personal insurance, liability insurance and special insurance. Each of these types has its own subsets, which we will mention below, in order, and we will give explanations about each:
Life insurance:
Life insurance is one of the types of personal insurance and one of the subsets of optional insurance in which each person can, by paying the insurance premium, determine provided by the insurance company, to benefit from benefits such as receiving a pension from the amount paid as insurance premium, receiving damages due to death and disability, etc.
Medical insurance:
Medical insurance is also one of the types of personal insurance and optional insurance that any person who applies for it can pay a monthly or lump sum insurance premium. , for the duration of the insurance contract, to enjoy services such as significant payment of treatment, surgery, hospitalization, medicine, etc.
Accident insurance:
Accident insurance is one of the other types of insurance and a subset of personal insurance, which has different types such as individual accident insurance; family accident insurance; student accident insurance; Nowruz accident insurance; short-term group accident insurance; kindergarten accident insurance; student accident insurance; accident insurance for organizations; It is the accident insurance of the driver, etc., and in return for the payment of the insurance premium, it pays the compensation or damage caused to the policyholder due to the accidents regarding the covered items.
Travel insurance:
Travel insurance, as the name suggests, is for people who plan to travel or, for some reason, travel a lot. This insurance is one of the types of personal insurance, and in it, damages covered by the insurance contract, such as medical expenses or damages caused by the theft of passenger's belongings, etc., are paid by the insurer.
Car insurance (both body, third party, etc.):
It is one of the types of property insurance that having third party insurance is for all cars. It is mandatory and due to the payment of insurance premium, the insurer pays the financial and life losses caused by the accident to the policyholder or the person who has suffered damage on his behalf, and the body insurance, which is not mandatory, covers things such as car-car accident damages. Also, the accident with a fixed object and the accident with a moving object, etc., can be done within the limits of the contract pay.
Fire insurance:
Among other types of property insurance, is fire insurance, which covers the damage caused by fire or the subject of the insurance contract against receiving The insurance premium is paid to the policyholder within the limits of the concluded insurance contract.
Transport insurance:
This insurance is used in cases such as export and import and transit, where goods are moved from one place to another. and in the meantime, he may suffer damages that, if he has transportation insurance, the insurance company, within the limits of the obligations, will pay for the damages caused to the goods subject to insurance.
Special insurances, are insurances in which the insured subject is a new issue and by concluding a special insurance contract, the insurer accepts in case of accidents and damage to the subject The insurance will pay that damage to the policyholder. For example, in loan insurance, under certain conditions, if the borrower dies, the insurer will pay his loan installments.
What is the purpose and benefit of insurance
After explaining the conditions and types of insurance, in this part of the article we are going to explain the purpose and benefits of insurance. Knowing what the purpose and benefit of insurance is helps people to easily benefit from its benefits by concluding an insurance contract.
✔️ Among the purposes and benefits of various types of insurance, it can be mentioned to compensate part of the damages caused to people and their property. In many cases, the payment of a small insurance premium compensates many financial losses for the policyholder, and thus, economically, the policyholder will benefit greatly.
✔️ Among the other purposes and benefits of insurance, we can mention having protections such as pension or insurance history or benefiting from free medical services or services that are provided at a minimum cost. Those interested in obtaining information about cargo transportation insurance can read the article with this title in the read section below.
