The concept of insurance. Insurance is a relationship to protect property and other interests of individuals and legal entities upon the occurrence of certain events.

Presentation description Presentation on the topic: "Insurance" performed a student on slides

Presentation on the topic: "Insurance" performed a student 1 course Baranova A. Y. Specialty "Operating activities in Logistics" Department of Education of the city of Moscow State budget professional educational institution of the city of Moscow "First Moscow Educational Complex" Faculty of Entrepreneurship and Information Technologies

What is insurance? Insurance of individuals - relations to protect the interests of individuals upon the occurrence of certain insurance claims due to cash funds generated by insurers from paid insurance premiums (insurance premiums), as well as at the expense of other means of insurers.

Insurance contract - the basic concepts of the insured event is the event provided for by the insurance contract or law, with the onset of which an insurer's obligation arises to make insurance pays to the insured, the insured person, the beneficiary or other third parties.

While the insured event did not come, it is an estimated event, in case of the occurrence of which insurance is carried out and is called insurance risk. The event considered as insurance risk must have signs of the likelihood and chance of its offensive.

Insurers - Insurance Organizations and Mutual Insurance Society Created in accordance with the legislation Russian Federation For relevant activities and licenses in accordance with the procedure established by this Law.

The insurance contract establishes the amount within which the damage will be reimbursed - the insurance amount.

The Insurance Company charges the insurance fee. The person who has concluded an insurance contract (insurer) pays the insurer the insurance premium.

The participants in the insurance market by participants in relations regulated by this Law are: Insured, insured persons, beneficiaries; Insurance organizations; mutual insurance society; Insurance agents; insurance brokers; Insurance actuaries; The federal executive body, whose competence includes the implementation of functions for control and supervision in the field of insurance activities (insurance case) (hereinafter referred to as the insurance supervisory body) of the unification of the subjects of the insurance case, including self-regulatory organizations

Forms of insurance compensation Insurance reimbursement by agreement of the parties can be obtained both in monetary and in kind. For example, when insuring the battle of glasses in his dacha as a result of illegal actions of third parties, you can discuss with the insurer to reimburse the cost of glass or their replacement.

Various types of insurance 1. Life insurance; 2. Insurance against accidents and diseases; 3. Medical insurance; 4. Property insurance and financial risksassociated with property interests; 5. Insurance of entrepreneurial risks; 6. Civil liability insurance.

Criteria for the choice of insurance company 1) The company must be multiproduct. 2) sources of financing. 3) legal aspect. 4) reinsurance quality. 5) Command Professionalism. 6) Company history on insurance market. 7) Publicity and publicity of the company.

What to draw attention to the conclusion of an insurance contract 1. A list of insurance risks, that is, risks in the implementation of which insurance compensation is paid. 2. The list of exceptions from insurance coverage, that is, events (conditions) upon whose occurrence of the insurance compensation will never be paid; 3. The procedure for the Action of the Insured upon the occurrence of the insured event is especially important and the procedure for notifying the insurer about the case occurred is particularly important. If this term is violated by the policyholder - the basis for refusal to failure; 4. The term of adoption by the Insurer decision on the insurance case and the list of documents confirming the circumstances and the causes of the insured event. 5. The presence and size of the franchise, that is, non-change (under certain conditions) the amount of damage.

Actions upon the occurrence of an insured event immediately after the incident you need to call your insurer and notify it about the occurrence of the insured event, indicating your name, the number insurance Polisa., location, circumstances of the incident and contact telephone for feedback. The notification period is usually indicated in the text of the insurance rules or on the front side of the insurance policy.

Then you must personally drive up the insurance company to present the original or a certified copy of the insurance policy or another document (certificate, certificate) confirming the conclusion of the insurance contract. In addition, you will need to provide an application for the payment of insurance payment (insurance compensation, insurance amount), receipt of payment of the insurance premium, a passport or another document certifying the personality, and, if necessary, documents capable of confirming the offensive of the insured event. If we are talking about auto insurance, then when contacting the insurance company to the general list of documents, you must additionally attach a driver's license, a certificate of registration or other documents for the right of ownership and disposal by the vehicle.

After all the necessary documents are presented and an assessment of the occurrence of the insured event is made, the insurer must carry out insurance payments within the contract specified in the contract for this insurance case. The procedure for the occurrence of an insured event may vary somewhat depending on the type of insurance.

What to do in case of violation of the rights of the insurer when paying insurance compensation? You should be prepared for the fact that the insurer will do everything to refuse to pay you. Most often, the basis for refusal is that the damage is made due to careless actions or the negligence of the insured person himself. But in any case, if you encountered an unlawful refusal to pay, the only way to get money is to the court.

Thank you for your attention sources: http: // www. Budget-solution. RU / http: // Strahovka-deshevle. RU / http: // www. Detskiysad. RU / YURIST / LAW. HTML http: // Strahovkunado. RU / http: // www. Askins. RU / http: // www. Insurance-Institute. RU /

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Insurance companies on belonging on the nature of the operations performed on the service area of \u200b\u200bauthorized capital and the volume of insurance payments received by the magnitude of the authorized capital and the volume of insurance payments received joint Stock Company Mutual insurance of the society of private and public law of state-state government government specialized (personal or property insurance) specialized insurance) UniversalUniversal reinsurance prestigious local regional regional regional national international internationally international solid mince

Organizational Assembly Concern - Association of Enterprises Compliance with CEPTIV's Insurance Company - - Joint-Stock Company Economic Association, Contracting Association of Enterprises and Insurance Companies and Insurance Companies Consortiums - Temporary Contractive Associations Production Enterprises and Insurance Companies

Insurance Forms Mandatory Form Insurance Mandatory Insurance is established by law, according to which the Insurer is obliged to insure the relevant objects, and the Insured is to make insurance payments due. Compulsory insurance is established by law, according to which the Insurer is obliged to insure the relevant objects, and the Insured is to make investment payments. Complete coverage with mandatory insurance of objects listed in the law. For this, the insurance authorities annually conduct the registration of insured facilities throughout the country, the accrual of insurance payments and their collection on time. Complete coverage with mandatory insurance of objects listed in the law. For this, the insurance authorities annually conduct the registration of insured facilities throughout the country, the accrual of insurance payments and their collection on time. Distribution automation mandatory insurance The objects listed in the law. The policyholder should not claim the insurance body on the emergence of the object to be insured. Automation The dissemination of compulsory insurance against objects listed in the law. The policyholder should not claim the insurance body on the emergence of the object to be insured. The action of mandatory insurance regardless of the introduction of insurance payments. In cases where the insured has not paid due insurance premiums, they are charged in court. In the case of death or damage to the insured property, not paid by insurance premiums, the insurance indemnity is subject to payment with the holding of arrears in insurance payments. For non-insurance payments not included on time are accrued penalties. The action of mandatory insurance regardless of the introduction of insurance payments. In cases where the insured has not paid due insurance premiums, they are charged in court. In the case of death or damage to the insured property, not paid by insurance premiums, the insurance indemnity is subject to payment with the holding of arrears in insurance payments. For non-insurance payments not included on time are accrued penalties. Independence of compulsory insurance. Independence of compulsory insurance. Registration of insurance support for mandatory insurance. Registration of insurance support for mandatory insurance. Voluntary Insurance Form Voluntary Form Insurance Voluntary Insurance is valid by the law and voluntary principles. Voluntary insurance is valid by the law, and on voluntary principles. Voluntary participation in insurance is fully characteristic only for insurers. Voluntary participation in insurance is fully characteristic only for insurers. Selective coverage of voluntary insurance associated with the fact that not all insurers reveal the desire to participate in it. Selective coverage of voluntary insurance associated with the fact that not all insurers reveal the desire to participate in it. Voluntary insurance is always limited to the insurance period. At the same time, the beginning and the end of the term is particularly negotiated in the contract. Voluntary insurance is always limited to the insurance period. At the same time, the beginning and the end of the term is particularly negotiated in the contract. Voluntary insurance is valid only when paying one-time or periodic insurance premiums. The entry into force of the voluntary insurance contract is due to the payment of one-time or first insurance premium. Non-payment of the next contribution of long-term insurance entails the termination of the contract. Voluntary insurance is valid only when paying one-time or periodic insurance premiums. The entry into force of the voluntary insurance contract is due to the payment of one-time or first insurance premium. Non-payment of the next contribution of long-term insurance entails the termination of the contract.

Compulsory insurance compulsory insurance of property belonging to citizens, death or damage to which affects not only personal, but also public interests. Mandatory insurance of employees of enterprises with particularly dangerous conditions of work. State compulsory personal insurance of staff of the State Tax Service of the Russian Federation State compulsory personal insurance of military personnel and military-ridden, persons Private and the superior composition of the internal affairs bodies of state compulsory personal insurance of officials of the customs authorities of the Russian Federation State compulsory personality insurance against risk, radiation damage due to the Chernobyl catastrophe State compulsory insurance of medical and scientific workers in case of AIDS infection Types of insurance Property insurance Agricultural transport property of citizens and enterprises and aviation cargo other personal insurance of children's life insurance Prior to achievements of adulthood from accidents of education pensions Medical insurance Insurance of liability liability of the borrower for the indispensable loan of the Civil Responsibility of owners of the CU responsibility of employers' domestic responsibility from environmental risks for product quality Other insurance of business risks of commercial risks of technical risks Financial and credit risks

Davletgareeva Adele Rinatna

Presentation - Property Insurance. Property insurance is an insurance industry, where property in various types of insurance legal relations are facilities. Under property is understood as a combination of things and material values \u200b\u200bin the property of the operational management of a physical or legal person.

Presentation - Property Insurance

The problem of insurance protection of citizensit is permitted as by saving the population, as with the help of insurance. At the same time, insurance as a form of insurance protection of material interests is an affordable way of compensation for damage from the destructive effects of natural disasters, fires and other events

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Property insurance completed Art. Groups 3D3 Davletgar Adele Rinatna

Property insurance is an insurance industry, where property in various types of insurance legal relations are facilities. Under property is understood as a combination of things and material values \u200b\u200bin the property of the operational management of a physical or legal person.

To the Lassification of property insurance for sub-sectors and types

According to Article 4 of the Law of the Russian Federation "On the organization of the insurance case in the Russian Federation" determines that property interests may not be contrary to the legislation associated with the ownership, use and order of property.

Forms of property insurance Mandatory insurance in accordance with paragraph 2 of Article 927 Civil Code The Russian Federation is carried out by concluding contracts in accordance with the rules established by ch.48 of the Civil Code of the Russian Federation. It is carried out by concluding a compulsory insurance contract by the person on which the federal law on the form of mandatory insurance is entrusted to insure life, health and property defined in the law categories of citizens.

The voluntary insurance contract is concluded in accordance with applicable law. The law can define objects and the most common insurance conditions to be voluntary insurance. Specific conditions are governed by insurance rules that are developed by the insurer. For voluntary insurance, it is characterized by selective (not complete) coverage of insurance in contrast to compulsory insurance.

The concept of insurance risk risk is an objective phenomenon in any field of human activity, it is manifested as a variety of separate separate risks. By its essence, the risk is an event with negative, especially unfavorable economic consequenceswhich may occur in the future at some point and in unknown sizes.

The most commonly under insurance risk is a danger that threatens the insured object with the possibility, the likelihood of an insured event, provided for in order to insurance, an event or a set of events, from which insurance itself is the object of insurance itself, the amount of the insurer's insurer's responsibility

The problem of insurance protection of the property of citizens is permitted as by saving the population, as with the help of insurance. At the same time, insurance as a form of insurance protection of material interests is an affordable way of compensation for damage from the destructive effects of natural disasters, fires and other events is insured!

Presentations on "Insurance"

Insurance presentations are studying economic relationsunder which a person is protected from of various types Dangers and items waiting for it in any field of human activity. Insurance is a few species. The most common are considered: primary insurance, reinsurance and wrapping.

Insurance presentations clearly demonstrate the relationship between the insurer and the client, in which the protection of property interests as a legal entity and private is being protected. This presentation requires knowledge of a certain number of financial issues.

Insurance is quite in demand today and is included in the program of many higher institutions of the Russian Federation. Presentations use the best specialists who have extensive experience in the field of discipline of human relations.

The economic entity of these presentations implies the creation of financial funds, which are replenished by the contributions of citizens interested in this. These funds are intended to compensate for the damage among individuals who participate in the creation of funds. This type of doctrine involves certain functions that express our public appointment. There are the following presentations:

the risk function in which the protection of citizens from the dangers of various kinds is ensured.
investment, which is that the free funds in the funds are used to finance the overall economy.
"Warning function", where a certain part of the fund's funds is used. At the same time, the risk of emergency situations in various enterprises is significantly reduced. For example, if funds accumulate in fire insurance funds, funds go to the creation of measures to combat fire.
the function of saving funds implies the science of using loans in today's world.

To date, insurance courses studied in higher educational institutions of the country are preparing underwriters specialists. This is a kind of insurance profession or discipline, which is engaged in the preparation of contracts. The underwriter should think of economic criteria, make various loyal predictions and be able to attract customers. This is quickly teaching a presentation on this science. It is worth noting that the profession of underwriter is becoming increasingly demanded today. The subject of insurance is so interesting that it is easily listed by students, which in many respects contribute to the presentation on the relevant topics.

"Genetics Biology" - Genetic Dactyloskopia is used: Gregor Mendel (1822-1884) - Schedule, the founder of genetics. Project on the topic: "Genetics and hereditary human diseases." The genealogical method. "Bore the queen in the night is not the son, not the daughter. Inheritance hemophilia. Down syndrome is associated with the presence of an additional 21st chromosome (three grams of the 21st chromosome).

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"Development of genetics" - year 1866 Mendel is the founder of the science of genetics. Year 1869. Year 1920. Rostov region. Year 1900. Year 1939. The history of the development of genetics from Mendel to this day. With the active participation of Koltsov, the Russian Eugenic Society originated. The formation of genetics science. Year 1953. Johan Friedrich Misher opened nucleic acid.

"Methods of genetics" - biochemical method (example). Population method (example). Summarize. Both were married and had children, one - 12, and the other - 10. The frequency of the appearance of twins in people is about 1% (1/3 of one-way, 2/3 of the diverse); Once arising, mutations can be transmitted to offspring over many generations.

"Genetic algorithms" - CAPR of printed circuit boards, BIS, SBI, CSBIS, micro and nanoelectronics products. The principle of compatibility and separation. Technological Institute of the Southern Federal University in Taganrog. The result of the program. The solution of multi-extremal problems with linear and nonlinear extreme functions. Selection based on roulette.