Assicurazione parte 2

Nel precedente post avevo anticipato la mia volontà di parlare di assicurazioni in modo semplice e comprensibile anche ai non addetti ai lavori.

In questo testo voglio dare alcune indicazioni sul funzionamento di una polizza infortuni, sul perchè farla e su come non farla.

1-

Vediamo prima di tutto a chi puo’ interessate una polizza infortuni, secondo il pensare comune questo prodotto è importante o essenziale soltanto per alcune categorie professionali ed in particolare per chi svolge la libera professione cioè per chi non è dipendente.

Sfatiamo subito questo mito, un dipendente al di la’ della professione che svolge è soggetto come tutti ai rischi sia in ambito lavorativo, sia nella vita di tutti i giorni, una caduta accidentale, una frattura, un incidente stradale possono capitare ad ognuno di noi e in ogni momento.

Il dipendente crede solitamente che almeno in ambito lavorativo o in itinere e cioe’ quando si sta’ recando sul posto di lavoro o quando torna a casa dallo stesso è coperto dall’Inail, in realtà questo è vero ma è altrettanto vero che l’Inail rimborsa somme molto limitate e soltanto in caso di Infortuni di media o grande gravità.

Facciamo due esempi, nel primo immaginiamo un dipendente che fuori dell’orario di lavoro subisce un infortunio grave per un incidente stradale, lo stesso non avrà alcun indennizzo dall’Inail, perche’ non stava lavorando potrà pero’ percepire una rendita pensionistica di invalidità, in base alla gravità dell’Invalidità stessa, che va da 12.00,00 € circa l’anno a 16.000,00 € circa l’anno per i casi gravissimi.

Se incapace di lavorare a seguito dell’incidente manterrà secondo voi a lungo il suo posto di lavoro?

Nel secondo esempio immaginiamo invece che lo stesso dipendente abbia l’incidente stradale durante il lavoro o in itinere, oltre alla rendita sopracitata avrà dall’Inail anche un indennizzo pari ad un massimo di 60.000,00 circa.

Se incapace di lavorare a seguito dell’incidente manterrà secondo voi a lungo il suo posto di lavoro?

Passiamo ora ad un lavoratore autonomo non soggetto a versamenti Inail, in questo caso non vi sarà alcun rimborso per una eventuale Invalidità ma soltanto la rendita sopra citata.

FATTE QUESTE CONSIDERAZIONI SPERO DI AVER CHIARITO IL PRIMO PUNTO E CIOE’ L’ESIGENZA PER TUTTI DI AVERE UNA POLIZZA INFORTUNI.

2-

Passiamo ora al secondo punto e cioè come valutare le coperture da inserire su una polizza Infortuni e sulle franchigie da applicare sulle garanzie stesse.

Esistono numerose polizze Infortuni sul mercato e non mi permetto di dare valutazioni sui singoli prodotti, in generale le coperture piu’ consuete sono le seguenti:

Invalidità permanente;

Morte da infortunio;

Rimborso delle spese mediche da infortunio;

Diarie giornalire.

Analizziamole nel dettaglio, l’Invalidità permanente è una garanzia che consente la liquidazione di una certa somma in base alla gravità dell’infortunio occorso.

Facciamo un esempio non tenendo conto di eventuali franchigie, se mi assicuro per 100.000,00 € ed ho un infortunio che viene valutato il 20% mi verranno liquidati 20.000,00.

La morte da Infortunio invece copre il rischio piu’ grave e cioè la premorienza per il massimale che ho stabilito in polizza ad esempio 100.000,00 € come nel caso precedente.

Il rimborso delle spese mediche da infortunio è una garanzia che consente di recuperare le spese che eventualmente abbiamo sostenuto a fronte di un infortunio.

Le diarie sono delle somme che vengono versate dalla compagnia per ogni giorno di ricovero, convalescenza post ricovero, gessatura o inabilità al lavoro detratte le eventuali franchigie.

Dopo questa carrellata di garanzie , facciamo delle brevi considerazioni, molto spesso le polizze infortuni vengono valutate per l’assenza di franchigie, le franchigie sono quella parte di danno che la Compagnia assicurativa lascia a carico dell’assicurato.

Queste franchigie che sono effettivamente un qualcosa di negativo servono pero’ a ridurre anche considerevolemnte i premi che l’assicurato paga annualmente.

Facciamo un esempio un impiegato si assicura per 100.000,00 € di invalidità permanente con franchigia 0%, il costo della sua polizza è circa 150,00 € annuali, lo stesso impiegato si assicura per gli stessi 100.000,00 € con franchigia 3% il costo della polizza e’ di circa 100,00 € annuali e quindi 3 punti di franchia costano quasi il 50% in piu’ del premio.

3 punti di Invalidità sono un lievissimo infortunio e l’impiegato di cui abbiamo parlato prima non avrà difficoltà particolari a mantenere il suo lavoro e quindi il suo reddito con una cosi’ lieve invalidità ed altresì avrà risparmiato il 50% del premio assicurativo.

Con questo esempio non voglio dirvi che la franchigia è un bene ma voglio ricordarvi che le polizze assicurative dovrebbero essere fatte per i rischi importanti cioe’ quelle situazioni che mettono in grave difficoltà noi e le nostre famiglie.

Probabilmente sarebbe piu’ utile con quei 50,00 € risparmiati coprire la nostra famiglia e noi stessi da altre possibili casistiche di altro genere.

COME DETTO NEL PRIMO TESTO L’ASSICURAZIONE SERVE A SPOSTARE IL RISCHIO DI UN EVENTO DANNOSO DA NOI STESSI A TERZI E NEL CASO SPECIFICO ALLA COMPAGNIA ASSICURATIVA.

Dovremmo pero’ valutare di coprirci da questi eventi dannosi su tutto cio’ che è possibile spostando il rischio di eventi gravi e non di eventi che non comportino particolare danno economico o di altro genere.

La funzione dell’assicuratore non deve essere di mera vendita dei prodotti delle compagnie ma principalmente di educatore in ambito assicurativo e finanziario.

Questo è il vero valore sociale della nostra professione.

Stefano Filogonio



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