C A C U A TO R S
On Amendments to the Law of Ukraine
"Insurance".
(Information of the Verkhovna Rada of Ukraine (VR), 2002, N 7, pp. 50)
{With changes under the Act
N 222-VIII ( 222-19 ) 02.03.2015}

Verkhovna Rada of Ukraine Oh, I am. :
Make changes to the Law of Ukraine "On insurance" 85 /96-PL )
(Information of the Verkhovna Rada of Ukraine, 1996, N 18, pp. 78; 1997,
N 29, st. 191; 1998, N 2, pp. 4, N 11-12, st. 50; 1999, N 4,
Oh, 35; 2000, N 19, pp. 143, N 27, st. 213, N 38. 318,
N 43, st. 366, N 50. 436; 2001, N 15, pp. 73, N 50, pp. 262;
2002, N 1, pp. 1, teaching it in this edition:
" With A K N To R A Yi N
About Insurance

This Act governs insurance relations and aims.
the creation of the insurance services market, the strengthening of insurance
The main interests of enterprises, institutions, organizations and citizens.
The action of this Act does not apply to public social
Insurance.
Section I
GENERAL PROVISIONS
Article 1. Concept of Insurance
Insurance is a type of civil-legal relationship to protect
The main interests of citizens and legal persons in the event of a
of certain events (insurance cases) defined by the treaty
insurance or valid legislation, by money funds,
which are formed by paying citizens and legal entities
Insurance premiums (insurance premiums) and
income from the placement of funds of these funds.
Article 2. Insurance
Insurers are recognized by the financial institutions created in
form of joint-stock, full, team societies or societies
Additional responsibility under the Law of Ukraine
"On the Masters" (in Spanish) 1576-12 ) Given
features provided by this Act and also received a
an established order of license for the exercise of insurance.
The insurance participants must be at least three. Insurance
Activities in Ukraine are exclusively insured-
Residents of Ukraine.
In separate cases established by the legislation of Ukraine,
The insurers are recognized by state organizations that are created and active
according to this Act. In this case, the use of words
"state", "national" or derivatives of them in the name of the insurance
is only allowed by the condition that the only owner of such insurance is
is a state.
The words "insurance", "insurance company", " insurance
the organization " and the derivatives of them are allowed to use in
name only by the legal entities that have a licence to implement
Insurance.
Total size of insurance contributions to statutory funds of others
Ukraine ' s insurance cannot exceed 30 percent of its
its own statutory fund, including the size of the contribution to
The statutory fund of a separate insurance cannot exceed
10%. These requirements do not apply to insurance, which
provides insurance for others than life insurance, in case
making it contributions to the statutory fund of insurance, which
It's a lifetime.
When creating an insurance or increasing the registered
The statutory fund of the statutory fund shall be paid solely in
Cash. The formation of a charter fund is permitted
The insurance of the securities issued by the state, for their
a nominal value in a order defined by a special
the central authority of the executive branch in cases
supervision of insurance (further-authorized body), but
no more than 25 percent of the total size of the statutory fund.
Forbidden to use to form a statutory fund
The bills, the funds of insurance reserves, and the funds received in
credit, loan and bail, and contribute tangible assets.
The subject of the insurance ' s immediate activities can only be
insurance, reinsurance and financial activities related to
the formation, placement of insurance reserves and their management.
Allows the execution of specified activities in the form
providing services to other insurers on the basis of
civil legal agreements, providing services (performance) if necessary
is directly related to the noted activities, as well as
any operations to ensure their own economic needs
Insurance.
Insurers who carry out life insurance can provide
The credits of the guards who have made life insurance.
Order, issuing terms and credit dimensions and order
the formation of the reserve to cover possible losses are set up
Authorized by the National Bank
Ukraine.
Legal persons who do not meet the requirements of this article
can be engaged in insurance.
Businesses, agencies and organizations cannot become.
insurers by making changes to statutory documents in the
conditions that they have pre-engaged in other activities, even
in the case of completing this article.
The legislation of Ukraine may be determined by the Commissioners
Insurance for performing those or other types of insurance, in case of
if the exercise of those or other legal relations involves the use of
budget funds, currency reserves of the state, the guarantor of the Cabinet
Ministers of Ukraine. Mandatory for definition
the authorized insurance must be held by an open tender with
Publication in the media of its conditions and results
and participation of voluntary associations of insurers. To
other cases are prohibited by any authorization of the insurers
for the exercise of individual types of insurance by the state.
Article 3. Guards
Workers are legal and capable of being able to do so.
The citizens who have made insurance contracts or are
In accordance with the legislation of Ukraine.
Guards can teach with insurance contracts.
the insurance of third persons (insured persons) only by their consent,
other than the cases prescribed by the current legislation. Insured
persons may take the rights and obligations of the strait according to
A contract of insurance.
The guards are entitled to make treaties personal.
the insurance to assign to the consent of the insured person of the citizens or
of legal persons (wisedonators) to obtain insurance payments, and
also replace them before the insurance case, if not
There's an insurance contract.
The guards are entitled to negotiate.
Insurance for others than personal insurance contracts,
citizens or legal entities (wisedoners) who may know
losses as a result of the insurance case, to obtain
Insurance reimbursement, as well as replace them
of the insurance case if the other is not provided by the contract
Insurance.
Article 4. Insurance objects
Insurance facilities can be of property interests, not
Contrary to the legislation of Ukraine, related:
with life, health, employability and additional retirement
Insurance or insured person (personal insurance);
with possession, use and order of the mine (main)
Insurance);
With regard to the sufferance of the sufferers inflicted by him by the person of the person
or her jersey, as well as harm inflicted by the legal person
(Insurance).
Article 5. Insurance Forms
Insurance can be voluntary or compulsory.
Mandatory types of insurance that are implemented by the laws
Ukraine must be included in this Act. Forbidden
Making mandatory insurance non-anticipated
By law.
Article 6. Voluntary insurance and its kind
Voluntary insurance is insurance that is carried out.
Based on the contract between insurance and insurance. General Conditions
and the order of voluntary insurance is determined by
Insurance rules established by self-insurance
See the requirements of this Act. Specific Insurance Terms
are defined in terms of the agreement of insurance, according to
Legislation.
Voluntary insurance in a specific insurance cannot be done.
a prerequisite in the implementation of other legal relations.
Good insurance, which is licensed,
are defined according to the accepted insurance rules (conditions)
Insurance registered by an authorized body.
Types of voluntary insurance can be:
(1) Life insurance;
(2) Accident insurance;
(3) Medical insurance (continuous health insurance);
(4) Health insurance in case of disease;
(5) Insurance of rail transport;
(6) Land-based transport insurance (except rail);
7. Air traffic insurance;
8) Safety of water transport (marine) and
Other types of water transport);
9) Insurance and luggage insurance (freight);
10) insurance against fire risks and natural risks
Phenomena;
11) property insurance (other than provided by items 5-9
in this article);
(12) Insurance insurance of the owners
Ground transportation (including the responsibility of the carrier);
13) Insurance liability insurance of air owners
Transport (including the responsibility of the carrier);
14) Insurance liability insurance
(including the responsibility of the carrier);
15) Insurance liability in front of third parties
(another than provided by paragraphs 12 to 14 of this article);
(16) Insurance of credits (including responsibility)
The position of the plaintiff for the non-payment of credit);
(17) Insurance for investment;
(18) Insurance of financial risks;
(19) Insurance insurance;
(20) insurance issued by guarantees and accepted
Guarantees;
21) Insurance for medical expenses;
22) other types of voluntary insurance.
Characterization and classification of types of voluntary
Insurance defines an authorized body.
Life insurance is a kind of personal insurance that
stipulates the duty of the insurance to make an insurance payment according to
with the contract of insurance in case of the death of the insured person, a
Also, if it is a contract of insurance, in case of a lifetime
insured person until expiration of the insurance contract
and (or) the achievement of the insured person determined by the treaty
Age. The terms of the life insurance contract may also be foreseen
The insurance duty to make an insurance payment in case of an accident
the case of the insured person, and (or) disease
The insured person. In case of the case of the insurance case
have regular consecutive life insurance payments.
(lifetime pension insurance) mandatory is a prediction in
the contract and risk insurance of the death of the insured person during
the period between the start of the insurance contract and the first insurance
is paid out of the number of life insurance payments. In Other Cases
A prediction of the risk of death of an insured person is mandatory
for the entire life of the life insurance contract.
Insurers have the right to engage only those kinds of
of voluntary insurance that are defined in the license.
Article 7. Mandatory Insurance
In Ukraine, these types of compulsory insurance are carried out:
(1) Medical insurance;
2) personal insurance of medical and pharmaceutical workers
(other than those working in institutions and organizations that
are funded from the State Budget of Ukraine) in case of an infection
human immunodeficiency virus when executing them
Mandatory
3) personal insurance of information workers (except those who
work in institutions and organizations funded from the State
budget of Ukraine) and the rural fire guard and members
Voluntary fire wives (teams);
(4) Insurance of the athletes of higher categories;
(5) Life insurance and health specialists of veterinary
Medicine;
(6) Personal insurance against accidents in transport;
(7) Civil aviation insurance;
8) Marine carrier liability insurance and
Works related to the maintenance of marine
COMMITTEE ON THE TRANSPORT OF
luggage, mail, cargo, other users of the sea transport and
Third parties;
9) Insurance insurance of the owners
Vehicles;
(10) Water insurance;
11) crop insurance for crops and
Public agricultural products
enterprises, crop of cereals and sugar beads
Agricultural enterprises of all forms of property;
12) Insurance insurance of nuclear operator
The installation for the damage that may be caused by nuclear weapons
incident (the order and conditions of this insurance are determined by
Special Law of Ukraine);
13) employee insurance (except those who work in
institutions and organizations funded from the State Budget
Ukraine) involved in the provision of psychiatric care, in
including the care of persons affected by the
Mental disorders;
(14) Insurance insurance of entities
the master ' s household, which may be inflicted by the fires and
accidents at increased hazard facilities, including
fire-hazardous objects and objects, economic activity
on which can lead to environmental and environmental accidents
An epidemic of sanitation;
15) civil liability insurance of the investor, in so
including the damage to the environment, the health of the people, according to the
Distribution of products, unless otherwise predicted by such a deal;
16) Insurance of master risks under the distribution agreement
of cases in cases provided by the Law of Ukraine " On
distribution of products " ( 1039-14 );
(17) Insurance of financial responsibility, life and health
The interim administrator and the liquidator of the financial institution;
18) Insurance of major risk in industrial development
of oil and gas deposits in cases stipulated by the Law of Ukraine
"About Oil and Gas" 2665-14 );
19) insurance for medical and other public and
Public health and public health services
agencies (other than those working in institutions and organizations that
are funded from the State Budget of Ukraine) in case of the disease
Infectious diseases of occupational diseases
in the face of increased risk of contracting
Infectious diseases;
(20) exporter ' s responsibility insurance and the person who
is responsible for disposal (removal) of hazardous waste, regarding
damage reparation, which may be caused by a person's health,
and the natural environment during the
of the transboundary transport and disposal (removal)
Waste;
21) security insurance of nuclear installations, sources
ionizing radiation as well as state inspectors from
supervision over nuclear and radiation security directly on
nuclear facilities from the risk of negative effects of ionizing
The radiation on their health at the expense of licensees;
22) Insurance facility insurance (ground ground)
infrastructure), which are approved by the Cabinet of Ministers
Ukraine by the post of the National Space Agency of Ukraine;
23) Insurance insurance of subjects
Space activities;
24) Insurance facility insurance (space)
infrastructure) which are the property of Ukraine, regarding the risks associated with
with preparation to launch space equipment on the cosmodrome, launch
and the exploitation of it in outer space;
25) Insurance liability for risks associated with
preparing to launch space technology on the cosmodrome, launch
and the exploitation of it in outer space;
(26) Insurance liability insurance
of dangerous goods in case of negative effects of
Transport of dangerous goods;
27) insurance insurance of individuals, activities
Of whom may harm the third person, according to the list,
An established Cabinet of Ministers of Ukraine;
28) dog ownership insurance (per se)
A list of breeds defined by the Cabinet of Ministers of Ukraine) concerning
The harm that can be inflicted on the third person;
(29) Insurance of civil liability of citizens of Ukraine,
that have property or other legitimate possession,
A school that can be acquired by a third person or her maya due to
Possession, storage or use of this weapon;
30) animal insurance in case of death, destruction,
forced slaughter, from disease, natural disasters and accidents in the world
cases and according to the list of animals set by the Cabinet
Ministers of Ukraine;
31) insurance coverage of tourist entities
Activities for the harm caused by the life or health of a tourist or its
Mine;
(32) Insurance of the responsibility of the marine vessel;
33) Insurance line insurance and converter
Power transmitters equipment due to damage
the impact of natural disasters or technogenic disasters and against countermeasures
Third party actions.
In order to implement mandatory insurance, the Cabinet of Ministers
Ukraine establishes the order and rules of its conduct, forms
default contract, special conditions for licensing mandatory
Insurance, premium sizes and maximum dimensions
Insurance tariffs or actuarial methods.
Article 8. Insurance risk and insurance case
Insurance risk-a particular event in which the
Insurance and which has signs of probability and randomness of occurrence.
The insurance case is an event that is predicted by the insurance contract
or the legislation that took place and the order of which arises
a duty of insurance to make payment of the insurance amount (insurance)
Reimbursement) insured or other third
-Special.
Article 9. Insurance, insurance, insurance, insurance
Reimbursement and franchise
The insurance amount is a cash amount that is within.
Under the terms of insurance, the payment is required to
-No, no, no, no.
The insurance payment is the money paid by the insurance.
Under the terms of the insurance contract
Case.
Insurance payments for the contract of life insurance are carried out
in the amount of the insurance (its part) and (or) as
regular, serial payments are conditioned in the contract of insurance
Suma.
The amount of the insurance value and (or) the size of the insurance payments
are determined by the arrangement between the insurance and the insurance
When you make an insurance contract or make a change to
insurance, or in cases that are predicted to be
Legislation.
Insurance can be installed on a separate insurance.
The number of cases, the insurance group, is in total.
Insurance is not set for the insurance case,
the case of which regular, serial insurance is performed.
Pay in the form of an annathing.
Value in Contract Life Insurance
investment income should not exceed four percent
I'm sorry
Life insurance is necessarily anticipated.
increase the size of the insurance amount and (or) the size of the insurance
amounts paid (bonuses) determined by insurance once per week.
year on the results of received investment income from
Placing funds on reserves of life insurance by counting
costs of an insurance business of up to 15 percent
received investment income and mandatory deductions in the
mathematical reserves of the proportion of investment income compliant with
the size of the investment income applied to the calculation
the insurance tariff for this insurance contract and in case of
indexing the size of the insurance sum and (or) the size of the insurance
payment on the official inflation index, counting in math
Reserves the share of investment income corresponding to such
indexing.
The life insurance contract can also be provided
increase the size of the insurance amount and (or) the size of the insurance
amounts paid (bonuses) determined by insurance once per week.
year by other financial results of its activities (participation in
Insurance premiums).
Accepted insurance for additional insurance commitments
are reported to the guard in writing and unable to
are further reduced unilaterally.
In case of non-payment of the insurance contribution to the
the size and row provided by the rules and the treaty
life insurance, such an agreement can be made right
Unilaterally reduced (reduc)
The insurance amount and (or) insurance fees.
The life insurance contract may be indebable
(change) for the official inflation index of the insurance value and
(or) insurance payments during the life insurance contract for
the conditions of the appropriate indexing (change) of the size of the insurance payment
(Insurance Award, Insurance Award). Order and conditions of indexing
Define the rules and agreement of insurance.
Insurance payments for personal insurance contracts
are done regardless of the amount that the recipient should receive
Public social insurance and social welfare, and
the amount that should be paid to him as a loss of damage.
The size of the insurance is determined by the insurance contract or
the current legislation during the signing of the insurance contract or
Change of contract insurance. In case of an insurance policy
the cases are predicted by consecutive life insurance premiums,
Insurance contracts are determined by the size of such sequential
free insurance payments, and the insurance on these cases is not
is set.
When insurance is insured, the amount is set within
cost of property by price and tariffs acting at the time of submission
If the other is not provided by the insurance contract.
Insurance reimbursement is the insurance payment that is carried out
Insurance within the insurance amount under the mayoral agreements
Insurance and liability insurance
Case.
Insurance reimbursement cannot exceed the size of the direct
The damage he had suffered. Indirect damages are considered
insured if it is provided by the insurance contract. In case
when the insurance amount is a certain fraction of the cost of the insured
object, insurance reimbursement is paid in the same proportion of
The number of losses determined by the insurance event, if not
What?
Franchise is part of the damage that is not reimbursed by the insurance
According to the insurance contract.
If the property is insured in several insurers and the total
The insurance fee exceeds the actual value of the property, the insurance
reimbursement, which is paid by all insurance, cannot
to exceed the actual value of the property. With every insurance
make payment in proportion to the size of the insurance fee
It's an insurance contract.
Article 10. Insurance payment, insurance rate
Insurance payment (insurance, insurance award)-fee
for insurance that the insured is required to make the insurance
According to the insurance contract.
Insurance tariff rate of an insurance contribution from the unit
The insurance amount for the calculated period of insurance.
Insurance rates on voluntary form of insurance
calculated by actuarial insurance (mathematically) on the basis of
the relevant statistics of insurance cases, and for
Long-term life insurance agreements-also with regard to magnitude
investment income to be made in the treaty
Insurance. The specific size of the insurance tariff is determined in
All right, all right.
Actuarial calculations can engage individuals who have children.
the appropriate qualification according to the requirements set forth
An empowered organ, which is confirmed by the relevant evidence.
Article 11. Co-insurance
An insurance object can be insured by one contract.
Insurance and on the consent of the insured by several insurers
(co-insurance). In this treaty, there must be conditions,
I don't know what the rights and responsibilities of each insurance
In the presence of a suitable agreement between co-insurance and
The insured co-insurance can represent all
others in mutual relations with the guard, leaving
He is in charge of his own private.
Article 12. Reinsurance
Reinsurance-insurance by one insurance (assignor)
(a) on the basis of the contract of risk
performing part of his duties in front of the guard at another
the resident ' s insurance or non-resident who has
the status of an insurance or reinsurance, according to the legislation
the country in which he is registered.
Insurance reinsurance (reinsurance) non-resident
is carried out in accordance with the requirements of the
Cabinet of Ministers of Ukraine.
Insurance (assignor, reinsurance)
notify reinsurance about all changes of its contract with
a defiant.
Insurance (assignor, reinsurance), which concluded with
Reinsurance for the reinsurance agreement, remains.
responsible to the guard in full accordance with
A contract of insurance.
In case of the volumes of insurance payments transferred to the
reinsurance non-residents, exceed 50 percent of their
the total size obtained from the start of the calendar year,
The reinsurance will give to the Commissioner of Human Rights
Reporting period under the form set by the Cabinet of Ministers
Ukraine.
The insurance declaration (reinsurance) is required
specify information about the security risks and objects that
are in non-residents, non-resident data-
Reinsurance and brokerage reinsurance, other information,
The Cabinet of Ministers of Ukraine.
An authorized body can conduct thematic checks
Insurance policy on the basis of the analysis of the submitted declarations.
Article 13. Reunification of insurers
Insurers can form unions, associations and others.
union to coordinate its activities, protect interests
of their members and joint programs if their formation is not
Contrary to the legislation of Ukraine. These associations cannot
I don't think I can
The union of insurers act on the basis of statutes and acquired
the rights of the legal person after their state registration. Organ
perform an insurance union registration, in a ten-day period of
The registration day is reported by the Authority Commissioner.
Insurers allowed to engage in insurance
the liability of the owners of vehicles for the damage,
Involved in third parties, and under conditions provided by international
Treaties of Ukraine on the specified type of insurance, are required
to form the Motorway (transport) insurance bureau, which is legal
a person who is held accountable for the expense of the insurers.
Motor (transport) insurance bureau is the only union
Insurance that carried out the mandatory civil service insurance
the liability of the owners of vehicles for the damage,
It is the third party in the world. Health insurance participation in the Motorway
(transport) insurance bureau is a condition of implementation
concerning mandatory civil liability insurance
Vehicle owners.
Basic tasks of the Motor (Transport) Insurance
Bureau members:
executing insurance obligations from the specified article in this article
the kind of compulsory insurance insurance-its members in case
their insolvency;
Payments from centralized insurance funds to the United States
The terms used in this article
The type of compulsory insurance, compensation for the damage done
Living and health of victims in road accidents
have happened to the fault of the drivers of the uninstalled transport; when the perpetrators are
died and did not have a valid treaty of such binding
insurance; in other cases and on conditions set by the Cabinet
Ministers of Ukraine;
providing preferential insurance for individual categories
auto owners at the expense of centralized insurance
backup funds in cases and on the conditions set by the Cabinet
Ministers of Ukraine.
To the Motorized (transport) insurance bureau that carried out
payment of compensation, within the actual costs of the right to the right
requirement that a victim or other person has received such a
compensation, he has to the person responsible for the damages.
Motor (transport) insurance bureau provides membership to:
Ukraine in the Green Card International
Fulfilling universally accepted obligations to similar
The Commissioners of other countries are members of this system.
Motor (transport) insurance bureau is an organization-a guarantor
Reparation: in the territory of member countries of the
Green Card auto insurance system caused by owners
(users) registered in Ukraine vehicles,
if the owners (users) provided appropriate foreign policy
Green Card Insurance Certificate, issued on behalf of
The members of the Insurance Bureau of the Motor (transport) of the Insurance Bureau;
Territory of Ukraine caused by non-residents, on conditions and
in the volumes established by the mandatory insurance legislation
the civilian responsibility of the owners of vehicles and
The principles of mutual harm in the territory of countries-
Members of the International Green Card
other circumstances, on the conditions determined by the current
Civilian responsibility of vehicle owners.
In the case of the Motor (Transport) Insurance Bureau
under the rules of the international auto insurance system " Green
The card "was damaging damages for the member ' s insurance."
a union or for the owner (user) of the registered in Ukraine
A vehicle that has used overseas forgery
or changed in an illegal way of "Green" insurance certificate
The card "and caused a traffic event suitable for"
the cost of the Motor (transport) insurance bureau should be
Compensated by such individuals in its entirety.
Funding the execution of warranty functions and tasks
Motor (transport) insurance bureau is carried out by car.
Funds for centralized insurance funds, by authorities
Which is the union of the insurers.
Motor (transport) insurance bureau, by weather report
Authorized by the organ, establishes the only sample of insurance certificates
(polises, certificates) which are a form of the contract of binding
Liability insurance for the owners of transport
Tools.
Legislation of Ukraine Motor (Transport) Insurance
The bureau may be granted the right to make decisions that are
required for insurers-members of the Motor Vehicle (Transport)
of the insurance bureau in part of the unification of the order of order and
execution of mandatory civil service agreements
responsibilities of vehicle owners.
Insurers allowed to engage in aviation insurance
risks, and insurers allowed to engage in insurance
At sea risk, the Aviation Insurance Bureau can create and
Maritime insurance bureaus that have to be legal entities that
are kept at the expense of the insurers ' funds.
Insurers who have permission to insurance liability
Nuclear weapons operators for the damage that may be inflicted
as a result of the nuclear incident, are required to form nuclear
an insurance pool that must be a legal entity held in
-The insurance money.
Article 14. Mutual Insurance
Citizens and legal persons with the purpose of insurance protection
The main interests can create societies of mutual
of insurance in order and on the conditions determined by the legislation
Ukraine.
Article 15. Insurance for insurance
Insurance in Ukraine may fail
Insurance facilitators. Insurance intermediaries may be
insurance or reinsurance brokers, insurance agents.
Intermediary activities of insurance and reinsurance brokers
in execution and reinsurance is done as excluded.
activities and may include counseling, expert information
services, work related to preparation, contract and execution
(escort) insurance contracts (reinsurance), including
concerning the settlement of losses in part of the enumeration and the enumeration
of insurance payments, insurance payments and insurance damages.
the agreement according to the guard or the reinsurance, others
Mediation services in execution and reinsurance
listed by the authorized body.
Insurance brokers-legal persons or citizens who are
registered in established order as subject to enterprise
Activities of the United States of America
suffering from his name on the basis of brokerage agreement with
a person who has the need to be executed as a strand. Insurance
brokers-citizens who are registered in established order as
business entities, do not have the right to receive and
listing insurance payments, insurance payments and payments.
Insurance reimbursement.
Reinsurance brokers are legal entities that carry out fees.
The facilitator of the intermediary activity
name based on the brokerage agreement with the insurance that has
Need to be reinsurance as a reinsurance.
It is permitted to implement the insurance and
The reinsurance broker is a single legal entity on the condition of execution
on the exercise of the activities of the insurance and reinsurance
The broker.
Registration order for insurance and reinsurance brokers
is defined by the authorized body.
Insurance agents-citizens or legal persons who act from
name and insurance of the insurance and perform part of it
Insurance policy, namely:
receive insurance payments, perform work related to the
The use of insurance premiums and insurance premiums. Insurance
agents are members of the insurance and act in his interest abroad
The reward on the basis of the insurance contract.
Mediation in the territory of Ukraine
Foreign insurance contracts are not allowed,
Except for reinsurance contracts with the requirements of Article 30 of the
The law.
Insurance or reinsurance non-residents can provide
services only through permanent missions in Ukraine which should
be registered as tax payers according to the legislation
Ukraine and included in the State Insurance Registry or
Reinsurance brokers.
Chapter II
IT ' S INSURANCE.
Article 16. Insurance contract
The insurance contract is a written agreement between the strait and the
Insurance according to which the insurance takes on the obligation to
the case of the insurance case will be made to the insurance payment
a strait or other person defined in a contract of insurance
The insurance policy for which the insurance contract is signed
(help, do the service, etc.), and the strait
pledged to pay the insurance payments in the defined lines and
execute other terms of the contract.
Insurers who commit life insurance are required.
to conduct personification (individual) of contract bonds
life insurance in order and on the conditions determined by the Commissioner
Organ.
Insurance contracts are concluded according to the rules
Insurance.
The insurance contract must contain:
Document name
The name and address of the insurance;
surname, name, by parent or name of the strait and
The insured person, their address and the date of birth;
name, name, by parent, date of birth or name
The vibe and his address;
The insurance object is specified;
the size of the insurance fee under the insurance contract others than
A life insurance contract;
the size of the insurance amount and (or) the size of the insurance payments for
The contract of life insurance;
Insurance cases;
the size of the insurance contributions (payments, prizes) and their lines
Payment;
The insurance tariff (insurance tariff is not defined for
Insurance cases for which the amount is not required);
The terms of the contract
The order of change and termination of the treaty
The terms of exercise of the insurance payment;
The reasons for the failure of the insurance payment;
rights and obligations of parties and responsibility
Or non-non-leatable compliance;
Other conditions on the consent of the parties;
signature of the parties.
The authorized body has the right to set additional requirements
to the contracts of life insurance and property insurance agreements
Citizens.
According to international insurance systems that require
Use of uniform insurance, talk insurance
concluded in accordance with such terms of insurance, with regard to
requirements provided by this Act.
In the case of a visa registered in Ukraine by the vehicle
A vehicle for another country member of the international system
Green Card, the owner of such a transport
The vehicle is bound to make a contract of compulsory insurance
Civil liability of the owner (user) of the vehicle
a tool in front of the third persons, whose action is extended to these countries,
and get from the insurance-a complete member of the Motor
(transport) Insurance office insurance certificate "Green"
A single sample card adopted in all member countries
-This international insurance system.
Article 17. Insurance Policy
Insurance rules are developed by insurance for each
the form of insurance separately and subject to registration in the Commissioner
the right to implement a licence to the right of the
Insurance.
Insurance rules must contain:
A list of insurance objects;
order to determine the size of the insurance sums and (or) size
Insurance;
Insurance risks;
Exclusion of insurance cases and limitation of insurance;
Terms and locations of the Insurance Agreement;
The order of the contract of insurance;
The rights and obligations of parties
The action of the guard in case of an insurance case;
list of documents confirming the occurrence of the insurance
The case and size of the damage;
The order and conditions of the exercise of insurance;
the decision rows to be made or refused
Payment of insurance premiums;
causes of failure in the insurance payment or payment of the insurance
Reimbursement;
Terms of termination of the insurance
Order of disputes;
the insurance tariffs for insurance contracts other than
Add life insurance;
Insurance tariffs and contract calculation methodology
Life insurance;
Special conditions.
In case the insurance introduces new insurance policies.
Whether changes and (or) completion should be made to the rules of insurance,
The insurance must submit these new rules, changes and (or)
additions to the registration prior to the Authorized Body.
The authorized body has the right to refuse issuing licenses and
the registration of rules or changes and (or) additions to them if given
the rules of insurance or change or additions to them are contradictory
in legislation, to violate or restrict the rights of the sufferers
or do not meet the requirements of this article.
Article 18. The signing and beginning of the insurance contract
To enter the insurance contract, the guard delivers
An insurance written statement by the form set by insurance, or
In another way, it is intended to make a contract of insurance.
When the insurance contract is concluded, the insurance policy has the right to invite
The strait of the balance or the reference of the financial condition,
confirmed by the auditor (audit firm), and other documents,
are necessary to assess the insurance risk insurance.
The fact of a contract of insurance may be to be felt
the insurance certificate (certificate, certificate), which is a form of the treaty
Insurance.
The insurance contract is effective from the moment of introduction
the first insurance payment if the other is not provided by the treaty
Insurance.
The life insurance contract can be laid out as a path
assemble one document (insurance contract) signed by
and by the exchange of letters, documents signed by the
the side that sends them. In the case of providing the guard
written statement by the form set by the insurance expressing the
intend to make a contract of insurance, such a treaty could be
By sending a copy of the rules to the guard
insurance and issuance of insurance certificates
(a) that does not contain any disagreements with the stated statement. Statement
consist of two copies, a copy of the statement is sent
a deafer with a mark of an insurance or his authorizing
a representative of the adoption of the proposed terms of insurance.
Article 19. Currency of Insurance
Insurance claims by insurance contracts
have the right to contribute only to the monetary unit of Ukraine, but
Foreign non-resident-in foreign freely convertible currency
or in the currency units of Ukraine in cases stipulated by the current
legislation of Ukraine, subject to provisions of part four
of this article in the contract of life insurance.
If the contract of insurance applies to foreign policy
territory according to the agreed agreements with foreign partners, then
the order of currency calculations is regulated according to the requirements
Legislation of Ukraine on Monetary Regulation.
The insurance payment is carried out by the same currency, which is predicted
the insurance contract, if the other is not provided by the legislation
Ukraine.
Monetary obligations of the parties on the terms of life insurance,
for their consent can be defined as in the national currency
Ukraine and in a freely convertible currency or calculation
quantities that determine the actual size of the insurance obligations
on the date of occurrence or fulfillment of these obligations.
Article 20. Insurance duties
Insurance required:
1) familiarize the guards with conditions and rules
Insurance;
2) for two working days as soon as it becomes known about
of the case of the insurance, to take action to design all
required documents for the timely implementation of the insurance payment
or insurance reimbursement of the strait;
(3) If the insurance is required to make an insurance payment
or payment of an insurance remuneration in the stipulated agreement
rows. Insurance carries a major responsibility for the untimely
Performing an insurance payment (insurance reimbursement) by
The payment of the insurance of a non-counter (penalty, penny), the size of which
The terms of the insurance contract
4) reimburse the expenses incurred by the guard at
Prevention or reduction of insurance
Damages, if stipulated by the terms of the treaty;
5) for the statement of the strait in the event that the
decreased the insurance risk, or increase property value
To make an insurance contract with him;
6) keep secret information about the straits and its
General state except for cases provided by the legislation
Ukraine.
The terms of the insurance contract may also be foreseen
other duties of the insurance company.
Article 21. Guard duty
The guard is obliged to:
1) timely to contribute to the insurance payments;
2) when signing the insurance agreement to provide information
insurers about all known to the circumstances of having a substantial
value to assess the insurance risk, and further inform it
Any change in the insurance risk;
3) inform the insurance about other incumbent insurance contracts
This is an insurance object.
(4) Take measures to prevent and reduce damages,
The result of an insurance policy;
5) inform the insurance of the insurance case in
rows, predicted by the terms of insurance.
The terms of the insurance contract may also be foreseen
Other duties of the guard.
Article 22. Changing the citizen's countrymen to the treaty
Insurance
In the case of death of a countryman who made a treaty
The master insurance, the rights and duties of the countryman are moving
to the persons who have received this property in inheritance. Insurance or anyone
The successor has the right to initiate a treaty rearrangement
Insurance.
In other cases, the rights and duties of the guard may
go to another citizen or legal person only by consent
Insurance, unless otherwise predicted by the insurance contract.
In the event of the death of the countryman who made the treaty personal
insurance for the benefit of third persons, his rights and duties may
go both to these individuals and to the persons on which according to
Legislation on the Rights of the Rights of the
The legitimate interests are insured.