Life insurance and tax return life insuranceThe first types of life insurance that benefited from tax deductions (pay attention to the difference between deductibility and deductibility) were those that foresaw the constitution of an annuity; generally they were structured on the basis of a mixed criterion, a part of the periodical payments was used for…
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Life insurance A life insurance (or life policy) is a contract stipulated between a private subject (the policyholder) and an insurance company; through this contract, after the payment of a premium (which can be paid in instalments) the insurance company guarantees, in the event of certain events occurring in the life of the policyholder, the…
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The policy usually includes not only earthquake damage, but also damage arising from flooding. In this case it is advisable to read the conditions to understand if these events are included in the definition of the insured risk. What does the Natural Calamity Policy cover? Let’s try to understand in principle what damages are reimbursable…
Details Home Insurance – Earthquake, Flood and Flood Insurance (Natural Disasters) With the increasing frequency of seismic events in our country, and with the difficulties that the State encounters on each occasion failing to ensure the reimbursement of all damages and / or taking years, due to unnecessary red tape, to intervene effectively leaving in the…
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European Deposit Insurance: Back to square one The Germans have won: European Deposit Insurance will not be implemented. This is the way to say goodbye to the completion of the banking union. New examinations for banks and perhaps the bail-in for government bonds are coming. For Italy, hard times on the horizon? Change of course…
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What are deposit guarantee schemes? A deposit is a sum of money that a customer holds at a bank, such as in a savings account. The business model of most credit institutions is that this money is largely lent out to other customers, preserving the rest for depositor withdrawals. To shelter a large portion of…
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When and how to cancel life insurance? Life insurance protects the family against loss of income in the event of illness or death of the insured. If you want to cancel your life insurance, here is the procedure and other important information. In most cases, cancelling a policy is not convenient – for example, try…
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What is life insurance and for whom is it suitable? The primary purpose of life insurance is to provide for your loved ones who depend on you financially and need a financial cushion. Life insurance protects you in the event of death, very serious illness, long-term disability, disability, accident and other risks. It can help…
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ARRANGE LIFE INSURANCE ONLINE While setting up and arranging a policy may seem complicated, it’s actually easy. Our life insurance calculator can help you get started. Simply enter the details you need, submit them and then choose the best deal. FAQ My insurance company offers life insurance. Should I take advantage of it? We definitely…
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TYPES OF LIFE INSURANCE Providers commonly distinguish between 3 types of life insurance. They differ in their setup and purpose. Term life insurance – you can choose from a full range of risks that you can insure against. These include not only death due to accident or illness, but also serious illness or the permanent…
Details Life insurance Life sometimes brings joy and happiness, other times situations arise that we could do without. Many of these situations can be avoided by careful behavior, but there are events that are beyond our control. That is why it is important to be aware of your value and your responsibility, especially to your children…
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Social insurance is derived from economic insurance and has common features with it, such as: contribution, common fund, designated risk, damage, loss coverage (benefit). The burden of the loss is shared by all those who participate in the creation of the fund to cover the loss of the person paying the contribution who is affected…
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Summary of social insurance In Poland there are four types of insurance: pension, disability, sickness and accident. There is also health insurance regulated by the Law on Health Care Services. A separate premium is paid for each of these insurances. Insurance for persons running a non-agricultural business activity Persons running business activity are subject to…
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What is social insurance? Social insurance provides you with benefits, should you become unable to work. Social Security contributions for this type of insurance are mandatory for all workplaces and employees. In this article you will read which social insurance contributions you must pay obligatorily and which you can pay voluntarily. We will also explain…
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According to the Act on Compulsory Insurance, motor insurance belongs to the property insurance section II. They are defined in the Act on Compulsory Insurance, Insurance Guarantee Fund and Polish Motor Insurers’ Bureau of May 22, 2003. They include not only the obligatory third party liability insurance, but also voluntary accident insurance and accident insurance.…
DetailsWhat is a motor insurance? According to the law, each car owner in Poland must have a third party insurance. It is different with other insurance, which is not obligatory. The driver decides about buying additional motor insurance policies – Autocasco, Assistance or personal accident insurance. So it is worth knowing when they can be…
Details Personal accident insurance for drivers and passengers This insurance provides compensation for the consequences of personal accidents (NNW). The subject of this voluntary insurance are the permanent consequences of an accident, resulting in bodily injury, permanent health impairment or death of the insured. Usually insurance companies offer a choice of two types of accident insurance…
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What is Motor Insurance? What is worth knowing about them? Motor insurance – OC, AC, NNW, Assistance – check what exactly is hidden under those names, which of them as a car owner must be purchased compulsorily, and which are voluntary. We also suggest how to use them in case of a damage. What is…
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WHAT IS HEALTH INSURANCE? Health insurance is a special form of coverage that entitles you to government-provided health benefits. These benefits are intended to preserve health, protect against the effects of disease and provide medical treatment. Polish law distinguishes the following types of health insurance: state-compulsory, State- voluntary, private. It is worth noting here that…
Details Health Insurance We try to plan our lives. We know what we will do today, how we will spend the weekend, where we will go on vacation. Unfortunately, every plan, even the best one, can be ruined if some unforeseen event happens that is beyond our control. It may turn out that we have to…
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Compulsory health insurance Who is insured? The insured is anyone who: is subject to compulsory health insurance (e.g. an employee, a person who runs a business, a pensioner, a disability pensioner, an unemployed person); is a family member of the insured person and has been reported for insurance. In some cases, the status of a…
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Unemployed health insurance – how do you make sure you’re covered when you don’t have a job? Losing a job nowadays is a very real prospect. One can even say that there is no person nowadays who would not spend at least one month on unemployment. In such reality it is worth to know something…
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Property insurance against fire Fires in houses and apartments happen extremely often. How to protect yourself against it? How to insure a house or an apartment against fire? Where to choose the most convenient offer? House insurance against fire – why it is worth having? Home fire insurance is one of the risks that every…
Details Fire and other natural elements insurance Compensation for the entrepreneur, if e.g. fire, flood, hurricane or other elements destroy the company’s property. The protection covers material damage caused by fire and other fortuitous events, including: precipitation and lightning, hurricane, flood, sudden earth surface movement, inundation due to damage to water supply or sewage systems, and…
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