“Just in case” – that’s what they say when issuing a policy. Moreover, many cannot even imagine what cases are provided for in the programs of insurance companies.
In our country, some insurers have begun to conclude insurance contracts against coronavirus. You can, of course, issue it only before the person has become infected. But in the case of a positive result in the virus test, the insured is promised to compensate for damage associated with disability or unforeseen costs of treatment. In Europe, no one will be able to compensate for the losses caused by COVID-19 (loss of work, clients, plane tickets, etc.) – WHO has declared the situation with the coronavirus a pandemic, and the pandemic is not an insured event for European countries. However, both in Europe and in the rest of the world, there are enough other interesting circumstances in case of which an insurance contract can be concluded.
Having concluded wedding insurance, the bride and groom can receive compensation for material damage – for example, the rent of the restaurant has already been paid, the services of the organizer, too, and the marriage had to be canceled. True, the reason must be compelling – illness, an accident involving the groom or the bride, or even the death of one of them. In addition, the insurance will be paid if one of the alleged newlyweds lost his job, had an unplanned pregnancy, which could interfere with the holiday. And even – oh gods! – if the groom or the bride is already at the altar suddenly replies: “No, I do not agree” to the most important question.
If the wedding went according to plan and the newlyweds are ready to start family planning, it’s time to think about insurance against twins… In the UK, insurance companies offer young families in this way to protect themselves from unforeseen expenses and stress associated with the birth of several children at once instead of one. You can conclude such insurance until the second week of pregnancy and before the first ultrasound. It is also undesirable to already have twins in the family or to be one of them yourself. In these cases, insurance may be refused.
If both the wedding and the pregnancy passed without surprises and the future father just wants to be present at the birth of his child, but is not confident in his abilities, he will come to the rescue insurance against fainting in the delivery room… For only 12 euros a year, a young father can faint during childbirth with peace of mind. After all, such his “unmanly” behavior will replenish the family budget with a one-time insurance payment in the amount of 125 euros. But, if some enterprising new father tries to play faint, there are enough qualified witnesses in the delivery room who can reveal the trick to insurance detectives.
Late arrival insurance very popular in Germany. Time, as they say, is money. And if this very time is lost due to traffic jams or an accident on the road, and with it, for example, a plane or a train disappeared, then the insurance will reimburse the money for the new reservation.
Another very popular German insurance is named after the famous beer festival. Visitors are invited to conclude it “Oktoberfest » On one day, to insure yourself against possible injuries – if you suddenly fall off the bench, for example, or you are accidentally (or even on purpose) knocked with a beer mug. The insurance is valid even if (or just for this case, it is calculated), if the alcohol content in the blood is above the norm.
For only 12 euros per year, you can apply for insurance against getting stuck in the elevator. Although this insurance will not save you from a fit of claustrophobia, it will raise your spirits after being released. After all, a one-time payment will be more than 70 euros – agree, not bad.
Insurance for lottery players – the ability to somehow smooth out your systematic bad luck. If you bought a lottery ticket 52 times a year and managed to guess no more than two numbers each time, you are guaranteed an insurance payment of about 2500 euros.
Garden insurance – while your mother shelters and saves her summer cottage plants from spring frosts every night, European pensioners sleep peacefully, having insured their plantings and their gardening work. Indeed, if torrential rains or drought, an invasion of insect pests or plant diseases lead to their death, such insurance will compensate for material, and thereby moral damage.
However, garden insurance is a bloom when compared to insurance claims such as the end of the world, atomic war, or alien abductions. It is really possible to insure yourself against these misfortunes. Alien abduction insurance alone, according to one American insurance company, has already been taken out by 20 people. And you can, of course, twist your finger at your temple, they say, this is too much. But if you remember how and where you were going to spend your vacation this year and what happened in the end, then maybe the reinsurers are not so wrong.