Menu English Ukrainian russian Home

Free technical library for hobbyists and professionals Free technical library


Lecture notes, cheat sheets
Free library / Directory / Lecture notes, cheat sheets

Civil law. Part II. Insurance forms (most important)

Lecture notes, cheat sheets

Directory / Lecture notes, cheat sheets

Comments on the article Comments on the article

Table of contents (expand)

77. FORMS OF INSURANCE

The objects of insurance are the basis for the classification of insurance into branches, types, varieties, forms, systems of insurance relations.

Insurance objects there may be property interests related to:

a) life, health, ability to work and pensions of the insured or the insured person (personal insurance);

b) with possession, use, disposal of property (property insurance);

c) with compensation by the insured for damage caused to the person or property of a citizen, as well as damage caused to an economic entity (liability insurance).

Forms of insurance:

a) compulsory insurance - carried out by force of law. The types, conditions and procedure for such insurance are determined by law. The costs of such insurance are included in the cost of production. Contribution rates for this form of insurance are set for employers as a percentage of the accrued amount of the wage fund, and for individual entrepreneurs and farms - as a percentage of their income;

b) voluntary insurance - carried out on the basis of an agreement between the insurance organization and the person insuring his interest.

The difference between the two forms of insurance It is as follows:

a) with compulsory insurance, payments do not depend only on contributions, and with voluntary insurance, payments correspond to contributions;

b) with compulsory insurance, the insured does not have the right to terminate insurance, and with voluntary insurance, the latter is terminated in case of non-payment of premiums. The obligation to insure their property may be imposed by law on legal entities that have property in economic jurisdiction or operational management that is state or municipal property (Article 945 of the Civil Code). To compulsory insurance relate:

a) personal insurance of passengers against accidents on all modes of transport;

b) state personal insurance of military personnel and persons liable for military service, citizens called up for military training, private and commanding personnel of internal affairs bodies;

c) state personal insurance of customs officials;

d) medical insurance of citizens of the Russian Federation;

e) insurance of employees of enterprises with especially dangerous working conditions, etc.;

f) compulsory liability insurance of vehicle owners.

Compulsory state insurance carried out at the expense of funds provided from the relevant budget (clause 3 of article 927 of the Civil Code).

<< Back: Types of insurance

>> Forward: Concept, characteristics, elements and types of loan agreement

We recommend interesting articles Section Lecture notes, cheat sheets:

International private law. Crib

Political science. Crib

History of medicine. Lecture notes

See other articles Section Lecture notes, cheat sheets.

Read and write useful comments on this article.

<< Back

Latest news of science and technology, new electronics:

The existence of an entropy rule for quantum entanglement has been proven 09.05.2024

Quantum mechanics continues to amaze us with its mysterious phenomena and unexpected discoveries. Recently, Bartosz Regula from the RIKEN Center for Quantum Computing and Ludovico Lamy from the University of Amsterdam presented a new discovery that concerns quantum entanglement and its relation to entropy. Quantum entanglement plays an important role in modern quantum information science and technology. However, the complexity of its structure makes understanding and managing it challenging. Regulus and Lamy's discovery shows that quantum entanglement follows an entropy rule similar to that for classical systems. This discovery opens new perspectives in the field of quantum information science and technology, deepening our understanding of quantum entanglement and its connection to thermodynamics. The results of the study indicate the possibility of reversibility of entanglement transformations, which could greatly simplify their use in various quantum technologies. Opening a new rule ... >>

Mini air conditioner Sony Reon Pocket 5 09.05.2024

Summer is a time for relaxation and travel, but often the heat can turn this time into an unbearable torment. Meet a new product from Sony - the Reon Pocket 5 mini-air conditioner, which promises to make summer more comfortable for its users. Sony has introduced a unique device - the Reon Pocket 5 mini-conditioner, which provides body cooling on hot days. With it, users can enjoy coolness anytime, anywhere by simply wearing it around their neck. This mini air conditioner is equipped with automatic adjustment of operating modes, as well as temperature and humidity sensors. Thanks to innovative technologies, Reon Pocket 5 adjusts its operation depending on the user's activity and environmental conditions. Users can easily adjust the temperature using a dedicated mobile app connected via Bluetooth. Additionally, specially designed T-shirts and shorts are available for convenience, to which a mini air conditioner can be attached. The device can oh ... >>

Energy from space for Starship 08.05.2024

Producing solar energy in space is becoming more feasible with the advent of new technologies and the development of space programs. The head of the startup Virtus Solis shared his vision of using SpaceX's Starship to create orbital power plants capable of powering the Earth. Startup Virtus Solis has unveiled an ambitious project to create orbital power plants using SpaceX's Starship. This idea could significantly change the field of solar energy production, making it more accessible and cheaper. The core of the startup's plan is to reduce the cost of launching satellites into space using Starship. This technological breakthrough is expected to make solar energy production in space more competitive with traditional energy sources. Virtual Solis plans to build large photovoltaic panels in orbit, using Starship to deliver the necessary equipment. However, one of the key challenges ... >>

Random news from the Archive

Miniature receiver EagleTec 17.09.2013

An interesting novelty has appeared on sale - a miniature EagleTec receiver that supports NFC and Bluetooth 4.0.

Just touch it with an NFC-enabled mobile device, such as a smartphone, to establish a wireless connection between them. The output of the receiver is connected to the input of a home stereo system (there is a 3,5 mm jack for this), after which you can play sound recordings stored in the smartphone's memory on it.

The receiver supports the aptX codec, allowing you to transfer sound recordings with high quality. In addition, SBC, MP3 and AAC codecs are supported.

Communication radius - 10 m. Up to eight mobile devices can be connected to one receiver at the same time. The EagleTec receiver, which supports NFC and Bluetooth 4.0, costs $42. Receiver dimensions - 60 x 60 x 20 mm, weight - 32 g. It is powered by the included AC adapter.

The price of the product is $42.

Other interesting news:

▪ Cosmic rays to help customs officers

▪ Smell left and right

▪ The taste of wine depends on the shape of the glass.

▪ LG to launch ultra-clear 84-inch 3D TV

▪ Pedometer of the XNUMXst century

News feed of science and technology, new electronics

 

Interesting materials of the Free Technical Library:

▪ section of the site Interesting facts. Selection of articles

▪ article by Pablo Picasso. Famous aphorisms

▪ article How was the light year discovered? Detailed answer

▪ article Meat mixer. Standard instruction on labor protection

▪ article High power radio transmitter with quartz frequency stabilization. Encyclopedia of radio electronics and electrical engineering

▪ article Transmitter for fox hunting. Encyclopedia of radio electronics and electrical engineering

Leave your comment on this article:

Name:


Email (optional):


A comment:





All languages ​​of this page

Home page | Library | Articles | Website map | Site Reviews

www.diagram.com.ua

www.diagram.com.ua
2000-2024