Therefore, compulsory contributions to a social insurance scheme must not necessarily result in the payment of insurance benefits.

The payment of contributions is different depending on regions and the health insurance payer.

For every child born to them after the first child, women farmers, insured in the farmers' main insurance branch (law 2458 1997), are exempted from their contribution liability towards the Agricultural Insurance Organization (O.G.A) as regards contributions towards old age pension and sickness insurance as well as contributions towards the Farmers' Union Fund for one year after the birth of each child apart from the first child.

Furthermore, UNIDO's contributions to joint activities with United Nations bodies and to the after service health insurance scheme are shown under this Programme.

In 2004, the Medical Insurance Plan received total income of 3,754,260 from staff premiums and proportional contributions from UNHCR and 258,710 in interest earned.

Concerning maternity protection, women insured in the main insurance branch who give birth to a second child or any child after the second child are exempted, for a certain period of time, from the obligation to pay insurance contributions.

Based on data from cantonal health care offices, the majority of those obliged to pay contributions (more than 50 per cent) do not fulfil their obligations and do not pay the contributions so that over 90 per cent of realized revenues from contributions for compulsory health insurance are revenues from contributions paid by employers.

In order to secure payment of obligatory contributions for social welfare and pension insurance, the Federation authorities have developed rules and regulations on contributions and on income taxes to identify the lowest basis for calculating contributions and taxes, up to 55 per cent of the latest statistically registered salary.

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

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

Since one of the spouses had the right to be exempted of the Main Insurance Branch contributions, following a statement of consent of both spouses, the relevant provision usually operated at the expense of women, and this is the reason why the Organisation of Agricultural Insurance has proposed its abolition and the promotion of obligatory insurance of both spouses.

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

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

Insurance Agents and Insurance Brokers

Reduction of employers' contributions towards newly hired employees' insurance, provided that the monthly emolument of the said employees does not exceed the sum of 200,000 drachmas (600 Euro).

Another option was to develop a social insurance record on the basis of off farm earnings or by continuing contributions on the basis of previous, non farm employment.

She also asked about the level of insurance premiums and wondered whether the absence of employer contributions meant that the individuals concerned were required to make double payments.

In the Federation of Bosnia and Herzegovina, provision and collection of resources is done from health insurance contributions and from the Federation budget, in addition to its Solidarity Fund.

Even though the burden of compulsory contributions for compulsory health insurance is quite high on salaries and other remunerations, the realized revenues are significantly lower than envisaged by law.

The rate of contributions for health insurance is calculated on net incomes (the employed, 15 per cent, pensions 3.75 per cent and cadastral income of farmers at 15 per cent).

In addition to the State Pension Insurance Act, the Funded Pensions Act has been in force since 2004, with the purpose of creating the opportunity for persons who have made contributions to a funded pension to receive additional income besides the state pension insurance after reaching retirement age.

Source FBH Health Insurance Bureau, RS Health Insurance Fund.

Article 33 Joint stock insurance companies, joint stock insurance holding (group) companies, exclusively foreign funded insurance companies and Sino foreign joint venture insurance companies shall be subject to the present Guidelines, while exclusively state owned insurance companies, branches of foreign insurance companies and insurance assets management companies shall be under the present Guidelines by analogy.

Period of insurance and the commencement of the insurance liability

Insurance

It provides specific guidance for insurance supervisors and the insurance sector.

Indeed, there is no market for other kinds of recession related insurance provided by the government, such as unemployment insurance, old age insurance, or disability insurance. Instead, the government merely sets an insurance premium and forces everyone to pay it.

The obligatory health insurance funds are collected by the health insurance offices in cantons and Federation and Republika Srpska health insurance funds.

1.194 All insurance services, including contracting for insurance, will have been centralized.

The extent of rights depends on the length of pension seniority and salary levels that the insured had during his work period, or the base amounts paid as contributions for pension and disability insurance.

Insurance Contracts

Insurance Company

Recession Insurance

Social insurance

Liability insurance

Maternity Insurance

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.

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.

Article 129 An insurance company shall establish a registration book of their insurance agents.

Insurance companies, insurance brokers, and institutions involved with private pension plans or social security

Insurance Operation Rules

Employment insurance benefits

C. General insurance

(Agricultural Insurance Organization).

Invalidity Insurance Act