UNSAR, the Finance, Insurance and Banks Faculty and the Institute for Insurance launch a financial education project dedicated to the insurance segment

UNSAR, the Finance, Insurance and Banks Faculty – University of Economic Studies ( ASE – Bucharest) and the Institute for Insurance (IA) will launch, in the following weeks, a financial ...

UNSAR was a co-organizer of the educational campaign “October – The Household Insurance Month”

UNSAR aims to increase Romanians’ awareness regarding household insurance products. Thus, the association was a co-organizer of the national educational and informational campaign “October ...

UNSAR celebrated 20 years of activity

On the 20th of June 2014, UNSAR celebrated 20 years of activity in the Romanian market. The anniversary was marked by the third edition of the Romanian Insurers Conference, an event which focused on ...

Consumer protection in the financial field – an issue of strategic importance at European level

In Europe, the concept of “consumer protection” is on the agenda of both the authorities and the professional associations. It is also a concern for the insurance companies, becoming an ...

Events

Asigurarea de tip studii sau de tip dota

Asigurarea de tip studii sau de tip dota (Student sau Dowry) are ca scop acumularea unei sume de bani necesara pentru educatia copiilor sau pentru un start in viata adulta a acestora. Asiguratul poate fi, de regula, parintele sau tutorele copilului, iar beneficiarul politei va fi copilul, ajuns la varsta studiilor universitare sau la o alta varsta (20, 25 sau 27 de ani) stabilita prin contract.

  • Exista si o componenta de protectie prin care compania de asigurare preia plata primelor viitoare in cazul decesului asiguratului.
  • La terminarea perioadei de plata a primelor, suma asigurata garantata va fi platita beneficiarului (copilului) sub forma de rente sau ca o suma unica.
  • Primele de asigurare sunt de obicei constante.
  • Cea mai mare parte a primei este directionata catre economisire
  • In contract se acumuleaza rezerva si, in caz de reziliere, se plateste valoare de rascumparare.
  • In cele mai multe cazuri, este inclus beneficiul de participare la profit.