يتم تجهيز الرابط
المرجو الإنتظار حتى يتم تجهيز رابطك
The conditions allowing the insurability of a thing are the hazard, the unpredictability of a harmful event as such or one of its characteristics (ex: date of death), the independence of the will of the 'insured (ex: divorce), the lawful nature of the event (ex: inability to insure the consequences of a criminal conviction or fines). This implies, among other things, that known past events are uninsurable (claim already made). Consequently, in principle, it is possible to take out insurance for any event relating to the ownership of movable property, that of immovable property, life, health, etc.
The most common types of insurance contracts are life insurance contracts and damage or P&C insurance policies (fire accident and various risks). A distinction is made between personal insurance contracts (AP) and those for property and liability insurance. Personal insurance corresponds to life insurance supplemented by personal injury insurance (Health, Disability, Death from any cause). Property and casualty insurance corresponds to non-life property and casualty insurance. Sometimes insurance insures lotteries and games, so that unlikely and large winnings are possible.
The insurance contract
The insurance contract establishes most of the rights and obligations of each party. It establishes the conditions under which the service will be rendered. It generally mentions:
- the premium that the policyholder undertakes to pay;
- the service that the insurer will provide;
- the uncertain event (the risk);
- insurance interest (expressed negatively): the insured or the beneficiary must have no interest in the occurrence of the risk.
Source : Wikipedia