Gazeta.ru will face three open risks when applying for an insurance policy for an insurance policy. GV Plekhanova Natalia Chelukhina.
“The first risk is that some insurance companies offer risk insurance to lose interest to their contribution to the composition of boxed products. In this case, the policy includes the costs of medical and legal consultations along with interest. The cost of annual policy with 250 thousand rubles insurance amount is 3750 rubles. It is recommended to evaluate the potential benefits from the need for additional coverage and the potential benefits from such an insurance policy. ”
The second risk stated that the insurance companies are defined as the difference between the amount of income planned on the termination of the deposit agreement and received income on this date.
If the bank is terminated shortly after the result of the deposit agreement, the payment amount will be small. The economist called on maximum insurance payment and potential deposit income. Expert, small insurance deposits for the insurance is not appropriate, he said.
According to Chelukhina, the third risk is that banks offer deposits to customers with interest accrued in the last date. So, there is no intermediate accrual. Therefore, the planned income before the end of the deposit will not be simply, ie there will be no insurance payment.
According to him, any insurance policy includes exceptions to the covering, ie a list of non -insurance losses and exemption from fulfilling the payment obligations of the insurance company. Chelukhina, for example, wanted to draw attention to the policy formulations of close relatives. Expert, usually men and sisters do not apply to them, so if the bank deposit is closed early, there will be no insured event to provide financial assistance.
According to him, in general, interest insurance is a useful insurance product, but it makes sense to buy if it plays a significant amount in the deposit contribution.
According to the market, the finalist, at the beginning of 2025, the average contribution in Russia was 370 thousand rubles.
Banks have been actively initiated for the loss of interest rates to the deposit, reported “Vedomosti” newspaper.
Previously there Three small ways to get a tax reduction are named.
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Source: Gazeta
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