Personal insurance - a set of types of insurance (insurance industry), where the object of the insurance acts of the insured property interest [1] associated with the life, health, events in the life of an individual.Content
[Remove]
The economic essence of a legal framework and personal insurance
2 Types of Personal Insurance
3 Notes
4 References
5 See also
6 Links
[Edit] Economic entity and the legal basis of personal insurance
Civil Code, chapter 48 "Insurance":
Article 934. The contract of personal insurance
1. Under a contract of personal insurance, the insurer is obligated for by the contract (insurance premium) paid by the other party (the insurer) to pay a lump sum or paid periodically by the contract amount (sum insured) in the event of damage to life or health of the insured or another citizen named in the contract ( the insured person), they reach a certain age or the onset of his life in a prescribed contract (the insured event).
The right to receive the sum insured belongs to the person for whose benefit the contract.
2. The contract of personal insurance is concluded in favor of the insured person, unless the contract is not named as a beneficiary, another person. In case of death of the person insured under the contract, which is not named a beneficiary, the beneficiaries are recognized heirs of the insured. The contract of personal insurance in favor of a non-insured, including the benefit of not being insured to the insured, shall be entered into only with the written consent of the insured. In the absence of such agreement, the contract may be annulled at the suit of the insured and the death of that person's claim of his heirs.
[Edit] Types of Personal Insurance
In personal insurance, there are three sub-sectors of insurance:
Life insurance - insurance, where the object are the specific events in the life of the insured person:
survival to a certain age;
death of the insured;
under the contract of insurance events in the life of the insured:
marriage;
enroll in school;
other events specified in the contract of insurance.
Accident insurance - insurance, where the insured event provides an external cause, usually short-term exposure, leading to temporary or permanent disability, or death of the insured. Unlike life insurance, which is generally long-term nature (from a few years to several decades), accident insurance are usually up to one year. Types of accident insurance:
insurance of passengers;
children's insurance;
insurance company employees;
insurance of citizens (the premium depends on the life of the insured);
other types of insurance against accidents.
Health insurance - insurance providing compensation for medical expenses for treatment of an insured person due to illness and / or accident. There are the following types of insurance:
compulsory health insurance, which covers all categories of citizens;
voluntary health insurance, which takes place in the collective (employer insures its employees) or individual form;
insurance for medical expenses of citizens, including tourists traveling abroad;
other types of health insurance.
In personal insurance, can be used mixed life insurance, which includes several types of personal insurance, for example, assurance on survival, accident insurance.
Methodological studies and actuarial calculations underpinning the financial relationship of the insurer and the insured (the beneficiary) for long-term types of personal insurance (life insurance - Engl. Life insurance) and of short-term life insurance is different.[Edit] Notes
↑ Turbo KE Current understanding of how the property interests of the insured object (rus) / / "Finance" in the journal. - 2000. - № 11.
[Edit] References
Kazantsev, SK Insurance Basics: A Tutorial. - Ekaterinburg: Vol. PKI USTU, 1998 ISBN 5-8096-0006-9
Gomellya VB Basic Insurance: A Tutorial - M: SOMINTEK, 1998
[Edit] See also
Insurance
Health insurance
Life insurance
Life insurance with an investment component
[Edit] See also
Insurance Today
Know the insurance!
[Remove]
The economic essence of a legal framework and personal insurance
2 Types of Personal Insurance
3 Notes
4 References
5 See also
6 Links
[Edit] Economic entity and the legal basis of personal insurance
Civil Code, chapter 48 "Insurance":
Article 934. The contract of personal insurance
1. Under a contract of personal insurance, the insurer is obligated for by the contract (insurance premium) paid by the other party (the insurer) to pay a lump sum or paid periodically by the contract amount (sum insured) in the event of damage to life or health of the insured or another citizen named in the contract ( the insured person), they reach a certain age or the onset of his life in a prescribed contract (the insured event).
The right to receive the sum insured belongs to the person for whose benefit the contract.
2. The contract of personal insurance is concluded in favor of the insured person, unless the contract is not named as a beneficiary, another person. In case of death of the person insured under the contract, which is not named a beneficiary, the beneficiaries are recognized heirs of the insured. The contract of personal insurance in favor of a non-insured, including the benefit of not being insured to the insured, shall be entered into only with the written consent of the insured. In the absence of such agreement, the contract may be annulled at the suit of the insured and the death of that person's claim of his heirs.
[Edit] Types of Personal Insurance
In personal insurance, there are three sub-sectors of insurance:
Life insurance - insurance, where the object are the specific events in the life of the insured person:
survival to a certain age;
death of the insured;
under the contract of insurance events in the life of the insured:
marriage;
enroll in school;
other events specified in the contract of insurance.
Accident insurance - insurance, where the insured event provides an external cause, usually short-term exposure, leading to temporary or permanent disability, or death of the insured. Unlike life insurance, which is generally long-term nature (from a few years to several decades), accident insurance are usually up to one year. Types of accident insurance:
insurance of passengers;
children's insurance;
insurance company employees;
insurance of citizens (the premium depends on the life of the insured);
other types of insurance against accidents.
Health insurance - insurance providing compensation for medical expenses for treatment of an insured person due to illness and / or accident. There are the following types of insurance:
compulsory health insurance, which covers all categories of citizens;
voluntary health insurance, which takes place in the collective (employer insures its employees) or individual form;
insurance for medical expenses of citizens, including tourists traveling abroad;
other types of health insurance.
In personal insurance, can be used mixed life insurance, which includes several types of personal insurance, for example, assurance on survival, accident insurance.
Methodological studies and actuarial calculations underpinning the financial relationship of the insurer and the insured (the beneficiary) for long-term types of personal insurance (life insurance - Engl. Life insurance) and of short-term life insurance is different.[Edit] Notes
↑ Turbo KE Current understanding of how the property interests of the insured object (rus) / / "Finance" in the journal. - 2000. - № 11.
[Edit] References
Kazantsev, SK Insurance Basics: A Tutorial. - Ekaterinburg: Vol. PKI USTU, 1998 ISBN 5-8096-0006-9
Gomellya VB Basic Insurance: A Tutorial - M: SOMINTEK, 1998
[Edit] See also
Insurance
Health insurance
Life insurance
Life insurance with an investment component
[Edit] See also
Insurance Today
Know the insurance!
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