one of the oldest parties relationships production and the social character is insurance.Its origins are to be sought in the days of the slave system.Then the insured property and slaves from possible destruction by various forces of nature or other circumstances.Gradually there was an association of people interested in the process.There was insurance business.
This is one of the main institutions of the economy.The most widely used in the insurance business gained market conditions.
The essence of this process is the satisfaction of human needs for security.The conditions of the insurance market has become a slightly different formation.This is a way to unify cash in order to make them more efficient.
insurance business plays a huge role in the economy.This, above all, increases the potential of the country to invest in its development.Reliability and security guarantees attract additional capital.
insurance business - a prerequisite for the growth of the welfare of the nation.It provides an opportunity to stabilize the system of social security and pension.
insurance is subject to its own laws and has specific features of the development.
It is divided into property insurance, liability and personal.Separately, you can select the area of the process associated with the medicine.Under the category of insurance subject to the objects that have the following characteristics:
1. The presence of the insured risk.
2. Association of policyholders and insurers.
3. Payback this process.
4. Unallocated relationship.
5. chargeback.
Object of insurance are all risks in the event that the insurer is obliged to compensate the damage caused.As the object can perform various categories.
Personal insurance includes the interests of the citizens, which relate to age criteria, certain events in my life, the scope of medical services, diseases and other events.In personal insurance - it is a life and health of citizens, as well as their ability to work.
With property insurance objects are any values that are material forms that meet the criteria of this process.This can be a particular form of ownership of property, as well as its use and disposal.This includes liability insurance, which is to pay compensation to others for damages.Business activities also belongs to this category of subjects.
Another point, which includes insurance, involves a package of documents necessary for the occurrence of the case for compensation.
insurance entities - are agents, organizations, societies, brokers and other participants in this process.
All the activities of entities must be licensed or certified.There is a special state register, which contains the entire list of participants in this process.
Insurance is a necessary part of the public life of any country with a developed economy.It is a guarantee of stability that promotes investment.The owners of the property and funds need to be sure that in case the insured event will be refunded to them the damage caused.
The Russian insurance business has come a long way of development.But the process of its formation is not finished and today.In 1996 he developed a resolution which sets out measures for the development of the insurance market in Russia.In 1997, it adopted a program of insurance against risks arising from global catastrophes, natural disasters and other similar cases.
