Standardization of Insurance Liability Agreements for Civil Servants

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Abstract

The article provides an analysis of a standard contract of compulsory state insurance of life and health of civil servants. In the course of the study, the author highlights the features of this contract, based on the norms of the current civil legislation. Before considering the actual elements and features of a compulsory state insurance contract, a description is given of the public service in the Russian Federation and its types, military, civil, etc. It is noted that the legislator singled out different public services into one group in terms of the implementation of state security, expressed in the implementation of compulsory state life and health insurance of persons serving in such departments. The article considers in detail the main elements of the contract of compulsory state insurance of life and health of civil servants. The subject composition of the contract is considered, in particular, the insurer for this type of insurance is a commercial corporate organization that meets the established requirements, expressed in the presence of a special permit (license), compliance with the requirements of the current legislation on state secrets, as well as experience in the field of personal insurance. As a result of the study of the elements of a standard contract of compulsory state insurance, the conclusion is formulated that under the contract of compulsory state insurance of life and health of civil servants, an insurance organization that has received a license in the prescribed manner, as well as won according to the results of the competition, undertakes for a certain fee paid from the funds of the state budget by the federal executive body, to pay a lump sum specified by law and the contract to the person specified in the law and the contract in the event of the occurrence of events specified in the law. Further, the article discusses certain features of compulsory state insurance of life and health of civil servants, in particular, it is concluded that such an agreement is consensual, reimbursable, mutual, aleatory, and is also concluded in favor of a third party.

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About the authors

Oleg A. Khatuntsev

Russian State Academy of Intellectual Property

Email: info@unic.su
Dr. Sci. (Law), Professor of the Department of Civil and Business Law Moscow, Russian Federation

References

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