Features personal insurance operations

 



Features personal inFeatures personal insurance operations
Personal insurance - a form of protection of individuals against the risks that threaten the life of man, his ability to work, to health.
The following types of personal insurance:
Life Insurance;
Insurance against accidents and illnesses;
health insurance.
RF Law "On organization of insurance business in the Russian Federation" establishes that the objects of personal insurance may be property interests related to:
survival of citizens to a certain age or period of death, the onset of life of citizens of other events (life insurance);
damage to life and (or) health of citizens, providing them with health care (insurance against accidents and illnesses, health insurance).
Private insurance may be mandatory or voluntary form. Most of the insurance contracts is based on the free will of the parties: the insured is no compulsion to conclude a contract, as the insurer is entitled to refuse to accept the risk of the insured.
In accordance with Art. 934 of the Civil Code on the contract of personal insurance one party (the insurer) undertakes for by the contract (insurance premium), paid by the other party (the insured) to pay a lump sum or paid periodically by the contract sum (sum insured) in the case of harm to the life or health of the insured or any other citizen named in the contract (the insured person), they reach a certain age, or occurrence in his life otherwise provided by the contract of the event (the insured event).
The amount of net-rate personal insurance depends on the following factors:
age and gender of the insured or the insured at the time of entry into force;
type, size, and date of payment of insured amounts;
period and the period of payment of premiums;
the term of the insurance contract;
the nominal annual rate of return, in terms of the planned income from the investment of insurance reserves for long-term insurance;
statistics and mortality tables;
other materials.
The methodology for calculating insurance rates for personal insurance includes the following steps:
for each risk is calculated lump sum of net interest and net-rate sum of all the risks calculated in accordance with the nature of the risks and the relation between them, is a one-time net rate of insurance contract;
net interest rate on the insurance contract, which provides for receipt of insurance payments in installments (monthly, quarterly, annually), determined on the basis of a one-time net rates and coefficients installments stipulated in the conditions of insurance;
Gross rate is determined based on the value of net fixed rates and the size of the load.
Переводчик Google для бизнеса –Инструменты переводчикаПерsurance operations
Personal insurance - a form of protection of individuals against the risks that threaten the life of man, his ability to work, to health.

The following types of personal insurance:
Life Insurance;
Insurance against accidents and illnesses;
health insurance.
RF Law "On organization of insurance business in the Russian Federation" establishes that the objects of personal insurance may be property interests related to:
survival of citizens to a certain age or period of death, the onset of life of citizens of other events (life insurance);
damage to life and (or) health of citizens, providing them with health care (insurance against accidents and illnesses, health insurance).
Private insurance may be mandatory or voluntary form. Most of the insurance contracts is based on the free will of the parties: the insured is no compulsion to conclude a contract, as the insurer is entitled to refuse to accept the risk of the insured.
In accordance with Art. 934 of the Civil Code on the contract of personal insurance one party (the insurer) undertakes for by the contract (insurance premium), paid by the other party (the insured) to pay a lump sum or paid periodically by the contract sum (sum insured) in the case of harm to the life or health of the insured or any other citizen named in the contract (the insured person), they reach a certain age, or occurrence in his life otherwise provided by the contract of the event (the insured event).
The amount of net-rate personal insurance depends on the following factors:
age and gender of the insured or the insured at the time of entry into force;
type, size, and date of payment of insured amounts;
period and the period of payment of premiums;
the term of the insurance contract;
the nominal annual rate of return, in terms of the planned income from the investment of insurance reserves for long-term insurance;
statistics and mortality tables;
other materials.
The methodology for calculating insurance rates for personal insurance includes the following steps:
for each risk is calculated lump sum of net interest and net-rate sum of all the risks calculated in accordance with the nature of the risks and the relation between them, is a one-time net rate of insurance contract;
net interest rate on the insurance contract, which provides for receipt of insurance payments in installments (monthly, quarterly, annually), determined on the basis of a one-time net rates and coefficients installments stipulated in the conditions of insurance;
Gross rate is determined based on the value of net fixed rates and the size of the load.