Polis is .. The origin and modern meaning of the word

When two parties enter into an agreementgiving each other any values ​​(conditional or material), they conclude a contract with each other. In the insurance business, the role of such an agreement is performed by the policy. This is a document that assures the relationship between the insured and the insured person. The insurance contract becomes valid and begins to be executed only after the policy is issued. As a rule, this happens simultaneously with the payment of the insurance premium.

What does the word "policy" mean?

In insurance, the word came from the French language. There, it meant a receipt that assured receipt of a certain amount of money. This word has become quite popular and sometimes used in an unexpected way. So, in Buryatia appeared the newspaper "Inform Policy", which has nothing to do with receipts and insurers. Here the word polis is present in the meaning of a leaflet or a small announcement. Well, the phrase "inform policy" makes it clear that the sheet contains topical and interesting information.

Insurance policy

But back to the classical understanding of thisconcepts. An insurance policy is a document that can be issued to a certain person or to a bearer. This document assures the payment of insurance services and guarantees the fulfillment by the insurance company of its obligations in the event of an insured event. In most cases, the obligation of the insurer includes a mandatory payment of the agreed amount of money. The recipient of money is the beneficiary. They can be both an insured citizen and third parties. The sum insured to be paid is called an insurance compensation (or compensation).

What determines the policy in modern insurance

The main purpose of the policy is to transferconditions under which the insured event will be recognized as such. Therefore, it must necessarily specify the rights and responsibilities of both the insurance organization and the policyholder.

The main value of the policy is thatit is a document that regulates the relationship between the insurer and the policyholder. The system of modern insurance legislation defines an insurance policy as evidence of the fact of signing an insurance agreement. It is from this point of view that the insurance policy becomes an important proof when considering insurance disputes in court.

Basic requisites of the policy

The Law "On Insurance" defines the list of basic requisites that must be indicated in each insurance policy. It:

• the expanded name of the document;
• full name and details of the insurance organization;
• Name, date of birth, full address of the policyholder;
• if the insurance policy is concluded in favor of third parties, the requisites of the beneficiary are needed;
• detailed information on the insured object;
• the agreed amount of the amount to be paid in the event of an insured event;
• a full list of possible insured events;
• insurance rate indicating the insurance premium;
• period of validity of the insurance policy.

This is the basic list of details required for the insurance document. Consider the additional conditions that should be prescribed in the insurance certificate of MHI.

Medical policy

The MHI policy is designed to obtain a basicmedical care throughout the territory of the Russian Federation. It is issued once and for free. In this case, compulsory insurance contributions are taxes collected from wages and other income. The amount of contributions to the MHI policy is regulated by law. But compensation for health insurance is not paid to the holder, but to a medical institution or a private doctor who provided medical services.

A medical policy grants everyone the rightthe holder to use medical aid. Refusal to provide medical services in the presence of a policy is groundless and can lead to criminal liability. A medical certificate is available to citizens of our country, foreigners or stateless persons. When registering the policy, the main role will be played by how long the citizens plan to stay on the territory of the Russian Federation. If the holder of the insurance certificate is in the country temporarily, then the MHI policy will operate for a limited period.

Liability Insurance

At the beginning of the article, we analyzed the situation whenThe recipient of the insurance indemnity is not the holder of the policy, but the third party. A classic example of this type of insurance is the MTPL policy. This type of insurance, which must be issued by all owners of land vehicles.

In this case, the MTPL insurance policy insures damage fromthe occurrence of an accident caused by the actions of the policyholder. Liability insurance is present in other services: for example, in construction, insurance is between a developer and an insurer, and in the event of an accident, third parties receive insurance benefits.