Something about insurance

In addition to the classification of insurance branches, sub species and it can be systematized by forms, depending on how the involvement of the insured in the insurance process. From this perspective, all insurance is divided into mandatory and voluntary.

The initiator of compulsory insurance is the state that the relevant laws stipulate the obligation of legal entities and natural persons to insure certain property interests. In 60-80-ies. insurance accounted for half of the total amount of insurance in the country. It includes social insurance, compulsory insurance against accidents of various categories of citizens, insurance assets of state enterprises and collective farms, property insurance (buildings and animals), etc.

To date, in addition to social insurance of citizens, through state pension fund, the Fund of obligatory medical insurance, Social Insurance Fund, the main types of compulsory insurance include insurance:

• life and health of passengers by air, rail, sea, inland waterway and road transport;
• life and health of military personnel and for service;
• life and health of workers in the state security, police, prosecutors, court system, correctional labor institutions;
• life and health of employees of tax inspection, tax police, customs authorities;
• life and health of workers in fire service;
• life and health of rescue workers;
• life and health of medical staff working in mental health and providing diagnosis and treatment of HIV infection;
• life and health of workers in nuclear facilities;
• public buildings leased to religious organizations;
• Liability for damages caused by radiation exposure during the use of nuclear energy;
• Professional liability of notaries, realtors, builders, etc.;
• liability for environmental damage;
• liability related to space activities;
• Liability of owners of dangerous industrial objects;
• private homes of citizens, etc.