Personal insurance of citizens in Russia.

The goal of personal insurance is always the desire to ensure a secure future, regardless of unforeseen circumstances. Insurance companies offer individuals protection of personal interests (that is, life, health, work capacity) in the event of risk, as well as the opportunity to accumulate some savings. In these legal relations, the insurer, the insurer, the insured participate.

On the basis of the contract of personal insurance, the insurer undertakes, in case of occurrence of certain events, to pay (at a time or periodically) to the insurer the amount paid by him in the interests of the insured person. The insurer pays the insurance sum for the insurance premium.

It is important to pay attention to the correctness of drawing up a personal insurance contract. This treaty is of a public nature and testifies to the public importance of the protection of the individual. The insurance company is obliged to conclude an agreement with any person applying for insurance and to perform insurance at a fixed price without an individual approach.

In the essential terms of the contract in accordance with art. 942 of the Civil Code of the Russian Federation, an agreement on the insured person, the nature of the insured event, the amount of the insured amount, and the term of the contract is prescribed.

The insured person is issued an insurance policy (certificate, certificate), which is not a contract, but confirms the fact of signing a personal insurance contract.

Insurance payment in the event of an insured event is called collateral. Personal insurance of Russian citizens provides any interests of citizens associated with a person's identity.

In personal insurance, there are several types: life insurance , from accidents and sickness, medical insurance, pension insurance, accumulation insurance.

The occurrence of insured events in life insurance is defined as the expiry date of the contract to which the insured lived, or by the death of the insured during the contract period (with the exception of suicide and some other death facts).

Accident and sickness insurance is provided to provide the insured with the occurrence of events that are harmful to life and health and cause additional costs: accidents, illnesses, disability.

Medical insurance (compulsory and voluntary) is a form of personal insurance of citizens, which allows to provide medical assistance and preventive measures in the event of occurrence of an insured event.

Personal insurance can be implemented in the form of pension and funded insurance, the distinguishing feature of which is the lesser degree of chance.

Personal insurance in Russia can be voluntary and mandatory.

Obligatory insurance is made on the basis of the federal legislative base in order to protect the interests of the broad masses. Types of compulsory insurance are provided by the state: compulsory personal insurance of passengers, personal insurance of servicemen and equated to them categories of citizens, compulsory medical insurance, motor third party liability insurance.

In the event of an insured event for any type of personal insurance, the insured person must correctly perform certain actions so that the insurance company does not refuse insurance payment. When you receive information about the occurrence of an event, you need to report to the competent authorities that correspond to the case (the State Traffic Safety Inspectorate of the Ministry of the Interior, the Ministry of Emergency Situations, the Ministry of Internal Affairs, etc.). On the same day, notify the insurance company of the occurrence of the insured event, within a few days, issue a written application. The policyholder must have a list of the necessary documents to be submitted to the insurance company for security.