põhikindlustus

Põhikindlustus, often translated as primary insurance or basic insurance, refers to the foundational level of coverage in an insurance system. It is typically the mandatory or most fundamental type of insurance that individuals or entities are required to have. This type of insurance aims to cover essential risks and provides a safety net against significant financial losses. In many countries, põhikindlustus is linked to social welfare systems, ensuring a minimum standard of protection for citizens.

The specific scope of põhikindlustus varies greatly depending on the jurisdiction and the type of insurance. For instance, in health insurance, it might cover essential medical services, hospital stays, and prescription drugs. In property insurance, it could refer to coverage for basic perils like fire, theft, or natural disasters. The intention behind põhikindlustus is to make essential protection accessible and affordable, preventing individuals from facing catastrophic financial burdens due to unforeseen events. It often forms the basis upon which additional, optional insurance policies can be built to provide more comprehensive coverage.