Risk Category in Personal Insurance Contracts: Legal Aspects

The article highlights the relevance of the topic of personal insurance in connection with the increased role of this type of legal relationship in the socio-economic life of Russia. The risk category in personal insurance is analyzed, as well as its relationship with the concepts of «insurance interest» and «insured event». The purpose of the entry of legal entities into the insurance legal relations of personal insurance is disclosed. It is noted that the risk category in property and personal insurance has a single legal nature, but at the same time it has some specific features in these types of insurance. The specifics of the insurance risk in personal insurance are revealed, which is related to the nature of the insured event as an event occurring precisely in the life of the subject. Both positive aspects of the development of insurance legislation on personal insurance and problematic aspects are noted.