All working citizens are subject to compulsory state social insurance, which was created in order to provide financial assistance to insured persons in the event of insurance events.
The main purpose of state social insurance is the social security of working people. When calculating salaries, insurance premiums are withheld, which are deducted to the settlement accounts of social insurance funds within the time limits established by law.
Able-bodied citizens of the Russian Federation can count on the help of Social Insurance Funds in the event of insured events established by the Federal Law. In the Russian Federation, state insurance is represented by the following organizations:
The procedure for withholding and deducting insurance premiums, making payments to insured citizens is determined by the current Federal legislation of the Russian Federation, namely the following laws:
The state social insurance forms its policy in such a way that partnership relations exist between the state, insured citizens and policyholders. To this end, the state:
Today the following types of state social insurance operate in Russia:
The state is obliged to provide insurance payments to all officially employed citizens in the cases specified in the Federal Law. Payments are made at the expense of compulsory social insurance funds. At the same time, there is also voluntary social insurance (VSS). What is its essence? Further all about it.
In countries where social policy is developing within the framework of a market economy, an operating system of social insurance has been created, which ensures the protection of working citizens from social risks in the field of professional activity. In Russia, it has become one of the forms of social security, which the state has provided for financial support of citizens upon the arrival of old age, disability (temporary or permanent), and health protection. An employee's occupational risks include:
Social risks include:
Social insurance operates today in 2 forms: mandatory and voluntary.
DSS is carried out exclusively at the request of the policyholder, thanks to his free will. The policyholder consciously chooses the option of protection against unforeseen expenses in situations with negative or tragic consequences. This can be, for example, the conclusion of an insurance contract in case of loss of work within the framework of specific conditions with the insurer. The procedure and conditions of insurance are established by the insurer in accordance with the provisions of the current legislation on the organization of insurance and the Civil Code of the Russian Federation. The insurer offers services in the form of specially designed insurance programs approved for specific types of property.
The main types of LTA include:
When traveling to a foreign country, you should take care of your safety. This is primarily due to the fact that getting into a new environment, faced with unfamiliar food and an unusual climate, various unforeseen situations may occur. Insurance in tourism helps to avoid negative consequences from this.
In accordance with Federal Law No. 132-FZ, tourism insurance is used to ensure the safety of tourists traveling temporarily abroad. It helps protect the property interests of travelers while traveling.
Most often, those traveling abroad are asked to issue a policy in case they need to seek medical help and receive injuries in accidents. But there are other situations that you can insure against.
Services under such policies are provided by an assistance company operating in another country, and with which the insurance company has an agreement. The quality of the provided service depends on the action of the assistance.
There are different types and forms of insurance used in tourism. The main types of travel insurance include:
The main forms of insurance coverage for tourists are:
Those who had to find themselves in an awkward situation abroad now know for sure: it is important to have at least a minimum of information about the country and always take a phrasebook with you.
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