By this law, the following do not participate personally in the costs of health care protection

Health care protection is provided in a uniform system of health care activities by the implementation of measures of primary, specialist and consulting and hospital health care protection.

Records related to the exercising of all the rights of health care insurance are kept by the Fund for health care insurance.

In the event that the applicant has misstated the age of the insured, thus overpaying the premiums, then the insurer shall return the overpaid portion to the applicant.

In the event that the applicant has misstated the age of the insured, thus underpaying the premiums, then the insurer shall have the right to correct the misstatement and request the applicant to pay the balance, or to reduce the payment of the insurance benefits in proportion to the amount of premiums actually paid to the amount that should have been paid.

Property insurance business which includes insurance against loss or damage to property, liability insurance and credit insurance or

Insurance of persons business which includes life insurance, health insurance and accident and injury insurance.

A double insurance refers to insurance under which an applicant enters into insurance contracts with two or more insurers on the same subject matter of the insurance, the same insurable interests and the same insured event.

If the sum insured is less than the insured value, the insurer shall obtain partial rights pertaining to the subject matter of the insurance which is lost or damaged on the pro rata basis of the sum insured to the insured value.

An insurance contract is null and void if the applicant has no insurable interest in the subject matter of the insurance.

There are many kinds of insurance such as health insurance, fire insurance, life insurance, etc.

An applicant may be the insured.

a) health care protection,

Health care protection,

Security is provided at all times, and the confidentiality of services rendered is ensured.

An applicant refers to the party who enters into an insurance contract with an insurer and is obligated to pay the premiums under the insurance contract.

The insurer shall issue to the applicant, on a timely basis, an insurance policy or any other insurance certificate which indicates the terms and conditions as agreed by both parties.

An insurer refers to the insurance company which enters into an insurance contract with an applicant and is obligated to make indemnity or payments of the insurance benefits.

Article 54 An applicant shall not apply for and the insurer shall not underwrite an insurance of persons that stipulates death as a prerequisite for the payment of the insurance benefits on a person without civil legal capacity.

The law on health care insurance determines the system of mandatory and expended health care insurance, rights gained by this insurance, means of exercising these rights, and principles of private health care insurance.

Health and health services

Article 31 The insurer or the reinsurer shall be obligated to maintain confidentiality of information obtained in the course of conducting insurance business regarding the business and financial position of the applicant, the insured or the ceding insurance company.

In the event that the applicant has paid the premiums for less than two years , the insurer shall return the premiums to the applicant with the expenses deducted therefrom.

Each insurance company, insurance assets management company and insurance regulatory bureau

In the event that an applicant requests the termination of the contract subsequent to the commencement of the insurance liability, the insurer may retain the premiums for the period from the commencement of the insurance liability to the date of the termination of the contract, and shall return the balance of the premiums to the applicant.

Article 28 When an insurer transfers part of its accepted business to another insurer by way of cession, it is referred to as reinsurance.

The basis and the central part of the system of health care protection is primary health care protection (PZZ) through which the citizens enter the system of health care and fulfill all health care needs that do not require more complex health care services related to examination and treatment.

The beneficiary with respect to the insurance of persons refers to that person designated by the insured or the applicant, and being entitled to claim for the insurance benefits.

Notwithstanding the foregoing, with the consent of the insured to enter into a contract for the insured, the applicant shall be regarded as having an insurable interest on the insured.

Article 9 An insurance contract is an agreement whereby the insurance rights and obligations are specified and agreed by the applicant and the insurer.

Article 29 The reinsurer shall not demand payment of premiums from the applicant of the direct insurance.

the applicant deliberately falsifying the subject matter of the insurance, whereupon an insurance claim is fraudulently made

The applicant shall make a full and accurate disclosure.

With the planned reform of the PZZ there is an intention to ensure a universal, quality, effective, and continuous PZZ that is based on family health and pre orientation of main activities towards the promotion of health and prevention.

According to the same Law, the citizens of Republika Srpska and other parties can be insured at a private agency for health care insurance in order to gain health care insurance rights and rights that are not covered under mandatory and extended health care insurance.

Based on mandatory health care insurance, the rights of health care protection are exercised, under the same conditions, by all insured persons, which means that women and men are given equal standard of health care services.

Article 13 Once an insurance contract is formed, the applicant shall pay the premium in accordance with the terms and conditions of the contract and the insurer will be at risk effective from the date as specified in the insurance contract.

Article 27 The insurer may terminate the insurance contract and refuse to return the premiums paid if the insured or the beneficiary falsely claims that an insured event has occurred, and submits a claim for indemnity or payment of the insurance benefits, although such insured event has not occurred.

Article 40 In the event of double insurance, the applicant shall notify all the insurers concerned of relevant information with respect to such double insurance.

Article 96 In order to protect the interests of the insured, and to ensure its own steady and healthy operation, an insurer shall contribute to an insurance guarantee fund in accordance with the regulations of the financial supervision and regulation department.

Association pour la recherché sur la sclérose latérale amyothrophique et autres maladies du motoneurone

Article 11 An applicant shall have an insurable interest in the subject matter of the insurance.

Article 59 The insurer shall not resort to legal proceeding to demand the payment of the insurance premiums of insurance of persons from the applicant.

Unless otherwise specified in the contract, in the event that the sum insured is less than the insured value, the insurer shall undertake the obligation for indemnity pro rata of the sum insured to the insured value.

Article 65 When a contract stipulates death as the prerequisite for the payment of the insurance benefits then the insurer shall have no obligation for the payment of the insurance benefits if the insured commits suicide, except for the event stipulated in paragraph two of this Article.