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Nie dziwię się, ponieważ niektóre umowy są napisane jakby wyszły spod pióra wieszcza literatury finansowej, artysty słowa ubezpieczeniowego, którego nie sposób zrozumieć.
W prostych słowach przedstawiam podstawowe pojęcia występujące umowie ubezpieczenia, które musisz poznać :
Towarzystwo – Firma
Ubezpieczający – osoba fizyczna, prawna lub jednostka organizacyjna niebędąca osoba prawną, lecz posiadająca zdolność prawną, która zawiera z Towarzystwem umowę ubezpieczenia
Ubezpieczony – osoba fizyczna, której życia dotyczy główna umowa ubezpieczenia
Umowa ubezpieczenia – główna umowa ubezpieczenia oraz dodatkowe umowy ubezpieczenia
Uposażony – osoba uprawniona do otrzymania świadczenia w razie Twojej śmierci (jeżeli to Ty się ubezpieczasz)
Uposażony zastępczy – w przypadku kiedy w chwili śmierci nie ma uposażonego
OWU- ogólne warunki ubezpieczenia
Główna umowa ubezpieczenia – umowa ubezpieczenia
Dodatkowa umowa ubezpieczenia lub umowa dodatkowa – uzupełnienie umowy głównej na zasadach przewidzianych w odrębnych ogólnych warunkach ubezpieczenia tej umowy, np. Umowa ubezpieczenia w razie niezdolności do pracy.
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Wiek ubezpieczonego – określony jako ostatnia rocznica urodzin
Rocznica ubezpieczenia – wskazany w dokumencie ubezpieczenia dzień rozpoczynający drugi i każdy kolejny rok ubezpieczenia
W zależności od firmy i rodzaju ubezpieczenia niektóre z tych definicji mogą się różnić. Pamiętajmy, że nawet umowa napisana najpiękniejszym językiem może mieć dopisek miniaturową czcionką, który przekreśli nasze szansę na otrzymanie świadczenia.
Ja osobiście zalecam dokładne zapoznanie się z OWU. To przecież przyszłość Twoja, Twojej rodziny, Twoje pieniądze i Twoje bezpieczeństwo.
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