Parsian Comprehensive Life Insurance
According to Akhbarpol, there are risks in our lives and careers, for some of which we have thought of measures, and for some of them, we have not had a plan due to the lack of a suitable solution or our lack of knowledge about them.
Life insurance is a product that covers risks in our life, some of which we have not even thought about. Many risks such as medical expenses caused by an accident, organ defects, special diseases and even financial support for our family in case of our absence, which may have a low percentage of the possibility of occurrence, but the probability of its occurrence is definitely not zero.
Based on this, life insurance is a contract between the insurance company (insurer) and the policyholder, in which, depending on the type of contract, people commit to paying the premium (amount determined by the policyholder and often in long-term installments) for a certain period of time. With the occurrence of events such as death, permanent disability, severe and specified illness or the need of a person for special medical care or in the event of his life, the insurance company will be obliged to pay the insured capital in one lump sum or in installments to the policyholder or to a third party who He decided to pay.
Life insurance has many advantages, the most important of which are the tax exemption of the insurance company’s paid capital, receiving guaranteed interest, the possibility of receiving participation interest, the possibility of taking a loan from the policy deposit, the possibility of determining the users or beneficiaries of the policy by the insurer, the possibility of redeeming the insurance. Omar mentioned earlier, the possibility of buying without age limit.
There are different types of life insurance, such as term life insurance, annuity insurance, debtor’s life insurance, comprehensive peace of life insurance that people can purchase any of these types of insurance policies according to their needs.
The comprehensive insurance policy for the peace of life of Parsians, while providing a complete set of insurance coverages such as providing capital in case of more than 30 different types of diseases, reducing the financial effects of damage caused by accidents, providing benefits in case of permanent and complete disability and income reduction As a result of that and compensating the financial effects of the death of the head of the family, it has made it possible for customers to invest a part of the paid amounts. This company has also created a safe deposit for the customers by sharing the investment yield made on the investment reserve of the insurance policies, which can be paid to the insurer or the beneficiaries designated by him in one lump sum or in the form of various types of annuity insurances. will be.
Comprehensive insurance coverage for the peace of life of Parsians
Death coverage for any reason: In case of death of the insured for any reason during the duration of the contract, the death capital of that year will be paid according to the contract to the users or legal heirs of the insured.
1) Special disease coverage: In this supplementary coverage that can be provided from birth, Parsian Insurance Company undertakes that if the insured suffers from one of the types of severe diseases covered (more than 30 different diseases), it is equivalent to the death capital of the insurance policy up to Pay 1.5 billion Rials in proportion to the amount of coverage committed in the contract. This cover can be provided in the following two ways:
Main diseases group: including cancer and malignant tumors, benign brain and spinal cord tumors, heart attack, coronary artery bypass, heart valve surgery, stroke, transplant of major organs including heart, kidneys, lungs, liver, and bone marrow transplant.
Group of main and additional diseases: including cancer and malignant tumors, benign brain and spinal cord tumors, heart attack, coronary artery bypass, cardiac angioplasty, heart valve surgery, aortic surgery, stroke, deep vision loss, Alzheimer’s, stable vegetative state , coma, deafness caused by the disease, inability to speak due to the disease, paralysis of the limbs caused by the disease, MS, traumatic brain injury, neuromotor disease, idiopathic Parkinson’s disease, motor neuron disease, organ transplantation including heart, kidneys, lungs, liver and bone marrow transplant, pancreas, small intestine, facial reconstruction, hand from arm and leg from knee transplant, end stages of kidney disease, severe liver disease, chronic lung disease, severe 3rd degree burn, muscular dystrophy, chronic pancreatitis, severe rheumatoid arthritis
2) Coverage based on the occurrence of an accident for the insured: receiving the death capital due to an accident, if the insured dies due to an accident during the contract, the accident capital determined in the same year, in addition to the death capital due to any cause and the reserve of the insurance policy. Beneficiaries or legal heirs of the insured will be paid. The amount of capital to cover death due to an accident is up to 5 times the capital of death due to any cause up to 10 billion Rials. This coverage can be provided to the insured from birth.
Disability and permanent disability caused by an accident: In this additional coverage, the insurer undertakes in case of disability or permanent disability (both partial and total) of the insured due to an accident, during the policy period and in proportion to the percentage of their permanent disability. pay him all or a percentage of the prescribed capital of this coverage. The maximum capital for disability or permanent disability caused by an accident is equal to the capital for death due to an accident up to 10 billion Rials.
3) Receipt of medical expenses due to an accident: By purchasing this coverage, in the event of an accident and damage to the insured, his medical expenses, including hospitalization or outpatient expenses, up to the limit of this coverage, will be paid by the insurance company. The payable medical cost includes the amount of medical bills up to the limit of the insurer’s commitment for the relevant coverage in the year of the accident.
4) Receiving a daily allowance for hospitalization in medical centers due to an accident: If the insured is injured due to an accident during the duration of the insurance policy and has to be hospitalized for more than 3 days in medical centers for the treatment of these injuries, for the excess hospitalization days. For 3 days, he receives daily hospitalization compensation from the insurance company. In this case, the insurance company’s obligation to pay the daily compensation will continue for a maximum of ninety days.
Coverage based on permanent and total insured disability
Receiving unemployment capital: In case of permanent and total disability of the insured, if the insured suffers permanent and total disability for any reason (be it accident or illness), after the approval of the insurer’s trusted doctor, the unemployment capital specified in the contract will be given to him. It will be paid. The maximum amount of this coverage is equivalent to death capital for any reason up to 10 billion Rials.
Receiving a pension in case of permanent and total disability of the insured, in case of permanent and total disability of the insured due to any reason (be it illness or accident) and after the approval of the trusted physician of the insurer, the amount of pension specified in the contract for a maximum of 12 years in The insured amount is paid. The amount of annuity chosen by the insured at the time of purchase of coverage can be one to four times the last basic premium paid for the policy.
Exemption from payment of the total insurance premium due to permanent and total disability of the insured: by purchasing this coverage, whenever the insured suffers permanent and total disability for any reason (be it an accident or an illness), after confirmation of the matter by the insured’s trusted doctor , is exempted from paying the entire insurance premium and the insurance company undertakes to pay the entire amount of the insurance premium including annual adjustments.
Coverage related to the policyholder of the policy:
Exemption from payment of insurance premium in case of permanent and total disability of the policyholder: the subject of this coverage is the permanent and total disability of the policyholder due to illness or accident, and after the confirmation of the matter by the insurer’s trusted doctor, he is exempted from paying the entire insurance premium and the insurance company undertakes to pay the entire amount of insurance premium including annual adjustments.
Continuation of the insurance policy and exemption from payment of insurance premiums in case of the death of the policyholder: The death of the policyholder (except for exceptions) is insured under this coverage. The beneficiary of the policyholder is a natural or legal person who is designated by the policyholder and recognized as the new policyholder in case of his/her death, and all the duties, obligations and rights of the previous policyholder are transferred to him, except for the payment of insurance premiums. In this case, the insurer undertakes to pay the premium including annual adjustments up to the agreed limit.
This report adds that the Parsian comprehensive life insurance has been created with the aim of creating peace of mind for policyholders and has considered diverse and different coverages for them. This insurance policy is in the field of life insurance and in addition to the current benefits of life and investment insurance, new benefits and insurance coverages have been added to it according to market needs.
Daily benefits, providing coverage for the policyholder if the policyholder and the insured are two different people, increasing the death coverage limit for any cause, and increasing the limit and number of special disease coverages are among these benefits.
For more information, those interested can refer to the specialized life insurance website of Bimah Parsian or the representative branches of this company all over the country.