From 50 thousand to 2 million: what insurance payments are aimed to conscripts in the army

It is known that citizens of any civilized country resort to insurance protection of their health and life, as well as their property. Experts of the medical and legal company "Conscription" told how the situation is with insurance in the army. It turns out that during service or military training, all military personnel are insured, and even after demobilization, the insurance is valid for another 1 year. This is stated in the law "On compulsory state insurance of life and health of military personnel".

Insurance companies, among other things, must have a license for compulsory state insurance, as well as comply with the requirements of the laws of the Russian Federation on state secrets and have at least 2 years of experience in the field of insurance of personal insurance objects.

Payments due in case of illness, injury or deathInsured events are considered:

- the dismissal of a serviceman undergoing military service on conscription from military service, the expulsion of a citizen called up for military training to a military position for which the staff of a military unit provides for a military rank up to and including a petty officer (chief ship's petty officer) from military training in connection with their recognition by the military medical commission as unfit for military service or limited fit for military service due to injury (injury, injury, contusion) or illness received during military service, military training.

- receipt by the insured person during the period of military service, service, military training of injury (wounds, injuries, contusions);

- establishment of disability to the insured person before the expiration of one year after dismissal from military service, from service, after deduction from military training or the end of military training due to injury (injury, injury, contusion) or illness received during military service, service, military training;

- establishment of disability to the insured person during the period of military service, service, military training;

- death of the insured person before the expiration of one year after discharge from military service, from service, after deduction from military training or the end of military training due to injury (injury, injury, contusion) or illness received during military service, service, military training;

- death (death) of the insured person during the period of military service, service, military training;

How much are conscripts insured for

Procedure for calculating insurance amounts:

— in case of dismissal of a serviceman undergoing military service on conscription from military service, deduction of a citizen called up for military training to a military position for which the staff of a military unit provides for a military rank up to and including a petty officer (chief ship's petty officer) from military training in connection with their recognition by the military medical commission as unfit for military service service or limited fit for military service due to injury (injury, injury, contusion) or illness received during military service or military training – 50,000 rubles.

— if the insured person receives severe injury (wounds, injuries, contusions) – 200,000 rubles, minor injury (wounds, injuries, contusions) – 50,000 rubles during the period of military service, service or military training;

— if the insured person is found to be disabled during the period of military service, service or military training, or before the expiration of one year after dismissal from military service, from service, after deduction from military training or the end of military training due to injury (injury, injury, contusion) or illness received during military service, service or military fees:

disabled person of group I – 1 500 000 rubles;

disabled person of group II – 1,000,000 rubles;

disabled person of group III – 500,000 rubles;

— in case of death (death) of the insured person during the period of military service, service or military training, or before the expiration of one year after dismissal from military service, from service, after deduction from military training or the end of military training due to injury (injury, injury, contusion) or illness received during military service, service or military fees, – 2,000,000 rubles to beneficiaries in equal shares;

Payments in case of death of a conscript

Beneficiaries of compulsory state insurance in case of death of the insured person may be:

- the spouse who was on the day of the death (death) of the insured person in a registered marriage with him;

- parents (adoptive parents) of the insured person;

- the grandfather and (or) grandmother of the insured person, provided that they raised and (or) supported him for at least three years due to the absence of his parents;

- stepfather and (or) stepmother of the insured person, provided that they have raised and (or) supported him for at least five years;

- minor children of the insured person, children of the insured person over the age of 18 who became disabled before they reached the age of 18, his children under the age of 23, studying in educational organizations;

- wards of the insured person;

- a person recognized as having actually raised and maintained the insured person for at least five years before reaching the age of majority (the actual educator). The recognition of a person as an actual educator is carried out by the court in the order of special proceedings in cases of establishing facts of legal significance.

Payments in case of intentional harm or suicide

According to the law, intentional infliction of harm to one's health, proven in court, is the basis for the insurer's exemption from payment of the insured amount.

However, there is an important clarification in the same law, according to which the insurer is not exempt from paying the sum insured in the event of the death of the insured person, if the death of the latter occurred as a result of suicide, regardless of the duration of the insured person's stay in military service, service, military training.

Full information about insurance protection is available on the official website of the company.