Normally each health insurance program overview along with basic sections such as ambulatory care, in-patient care, emergency health care and dental care has addendum containing bonus option which can be included in the coverage subject to additional insurance premium payment. Naturally enough it’s reasonable to evaluate whether or not such additional expenses are justified.

There is an easy way to pay less for CASCO insurance – that is to set high deductible amount. However, there is another side to the story. In case of insured event the Insured is bound to bear more expenses to cover it from his own pocket. This article is aimed at explaining the essence of deductible amount, its influence of the insurance rate and claim settlement process.

Lately there have been some developments in the sphere of issuing loans to businesses secured by pledged property assets. Though the process is not as speedy as some of companies would have wished, that is still a positive trend for the economic revival. Typically enough the majority of lenders view the compulsory insurance required under the mortgage agreements as the unintended expenses. Therefore only the slight share of attention is paid to considering and negotiating the most favorable insurance terms and conditions instead of using the insurance policies as the tool to minimize the entrepreneurial risks.

The approach to defining political risks insurance is quite different from other insurance products. It’s worth mentioning that political risks insurance can refer to two different notions. What are those and what do they mean?

Considering the recent developments in logistics sphere which have been leading to market consolidation a lot of operators are looking into possible ways of transferring some of their risks to the insurance companies. However it is essential that the insurance product be chosen accurately with regard to the extent of coverage, as well as with regard to justified cost.

Who and under what circumstances is entitled to them? Constant currency exchange rate fluctuations keep adding to the growing uncertainty in what tomorrow brings. Since the insurance in its essence is aimed at bringing confidence, the issue of concluding insurance agreement denominated in foreign currency has been coming up pretty frequently lately. The main purpose of such policies is to guarantee that the indemnity, just like the insurance premium, will be paid in the foreign currency as well. This article is called to review the provisions under which entities operating in Ukraine can count on using the benefits of foreign-currency denominated insurance agreements.

This article might be of use for those who have little experience in health insurance or do not understand completely the essence of price determination on this kind of policies. If you are an employer considering conclusion or renewal of health insurance agreement for your employees, you’d want to know about the factors which influence the price of the policy. They are briefly reviewed below.