اصطلاحات بیمه عمر :
![](data:image/png;base64,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)
درصورتیکه به حوزه بیمه آشنا نیستید پیشنهاد میکنیم که حتماً قبل از ادامه متن، این بخش را بخوانید تا بتوانید مزایا و طرحهایی که در این مقاله به آن میپردازیم را به راحتی و درستی درک کنید.
بیمهگر: بیمهگر همان شرکت بیمه است که وارد قرارداد با متقاضی خرید بیمه میشود.
بیمهگزار: بیمهگزار شخصی است (حقیقی یا حقوقی) که اقدام به خرید بیمه میکند و پرداخت اقساط و حق بیمه بر عهده او خواهد بود.
بیمهشده: بیمهشده کسی است که در واقع مورد بیمه است. برای مثال درصورتیکه پدر خانواده برای فرزندش بیمه عمر خریداری کند، بیمهگزار پدر خواهد بود و بیمهشده فرزند. در بیمه عمر، بیمهشده تحت پوشش بیمه است نه بیمهگزار.
سرمایه عمر: سرمایهای است که در صورت فوت بیمهشده به ذینفعان او پرداخت میشود.
سرمایه حادثه: سرمایهای است که در صورت فوت بیمهشده بر اثر حادثه به ذینفعان او پرداخت میشود.
ذینفع: ذینفع کسی است که در صورت فوت بیمهشده، سرمایه بیمه عمر به او تعلق خواهد گرفت. برای مثال شخصی خودش را بیمه میکند. در این حالت بیمهگزار و بیمهشونده خود او خواهد بود. در صورتیکه در بیمهنامهاش همسرش را به عنوان ذینفع خود ذکر کند بعد از فوت او سرمایه بیمه عمرش به همسر او تعلق خواهد گرفت.
مدت قرارداد: مدتزمانی که بیمهگزار متعهد به پرداخت حق بیمه است و شرکت بیمه، بیمهشده را تحت پوششهای بیمه عمر قرار میدهد. در شرکتهای مختلف برای مدت قرارداد حداقلی وجود دارد که شما خود آن را انتخاب میکنید.
ضریب تشکیل سرمایه بیمه عمر: ضریبی است که بر حق بیمه ماهانه اعمال میشود و سرمایه عمر را تعیین میکند. شرکتهای مختلف ضرایب تشکیل سرمایه متفاوتی را ارائه میدهند. برای مثال حق بیمه ماهانه 20 هزار تومان است و ضریب تشکیل سرمایه 300. سرمایه عمر فرد 6 میلیون تومان خواهد بود.
درصد افزایش سالانه حق بیمه: برای خنثی کردن اثر تورم بر سرمایه ذخیره شده در بیمه عمر و حفظ ارزش آن، سالانه درصدی به حق بیمه پرداختی اضافه میشود. بسته به شرکت بیمه میتوانید ضرایب افزایش سالانه متفاوتی را انتخاب کنید.
لینک مطلب