Article 41 Following the occurrence of an insured event, the insured is obligated to take all necessary measures to prevent or mitigate loss or damage.

deliberately causing the occurrence of an insured event which leads to property damage, whereupon an insurance claim is fraudulently made

Article 48 The insurer shall bear the necessary and reasonable expenses incurred by the insurer and the insured from investigating and ascertaining the nature of and the cause for the occurrence of the insured event, and the extent of loss or damage to the Subject matter of the insurance.

Article 50 If the insured of a liability insurance contract is brought to an arbitration or legal proceeding due to the occurrence of an insured event which caused loss or damage to a third party, unless specified otherwise in the insurance contract, the insurer shall bear the expenses of such arbitration or legal proceeding and other necessary and reasonable expenses paid by the insured.

Insured value

Sum insured

Insured parties,

He insured himself.

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.

The insurer shall bear the expenses necessarily and reasonably incurred by the insured in taking measures to prevent or mitigate further loss or damage of the subject matter of the insurance after the occurrence of the insured event the amount of such expenses borne by an insurer shall be calculated separately from the indemnity for the loss of the subject matter of the insurance and it shall not exceed the sum insured.

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.

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.

My house is fully insured.

Family members of insured parties,

Children of pre school age are not insured if their parent or custodian is not insured in any way.

Article 49 The insurer may directly indemnify a third party for loss or damage caused by the insured of a liability insurance contract in accordance with the provisions of laws or the terms of an insurance contract.

An applicant may be the insured.

However, even if the law defines the insured on a broad basis and also gives the right to be insured to family members of the insured, there are some vulnerable groups of the population left uncovered.

If the insurer fails to fulfill the obligations specified in the preceding paragraph in a timely manner then, in addition to the payment of compensation, the insurer shall compensate the insured or the beneficiary for any damage incurred thereby.

The right to disability pension is exercised by the insured party that was mandatory or voluntarily insured by pension and disability insurance

The sum insured shall not exceed the insured value of the subject matter of the insurance, and any portion exceeding the insured value of the subject matter of the insurance is null and void as a matter of law.

With respect to life insurance, the rights of the insured or the beneficiary to claim for payment of the insurance benefits shall expire if the insured or the beneficiary fails to exercise his her rights to claim within five (5) years from the date when the insured or the beneficiary is aware of the occurrence of the insured event.

The right to disability insurance is acquired by an insured person who is obligatorily or voluntarily insured by pension or disability insurance and who

deceiving the applicant, the insured or the beneficiary

Article 63 In the event of the death of the insured, the payment of the insurance benefits shall be treated as part of the estate of the insured, and the insurer shall pay the insurance benefits to the legal heirs of the insured, if

Article 26 With respect to insurance other than life insurance, the rights of the insured or the beneficiary to claim for indemnity or payment of the insurance benefits shall expire if the insured or the beneficiary fails to exercise his her rights to claim within two (2) years from the date when the insured or the beneficiary is aware of the occurrence of the insured event.

It's a crying shame that they weren't insured against fire.

If the insured is a person without civil legal capacity or a person with limited civil legal capacity, the beneficiary may be designated by the guardian of the insured.

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.

In short, an overwhelming majority of Americans are insured, with government a major financer of health care. But there remain about 54 million individuals who are not formally insured, and some insured individuals still face the risk of financially ruinous medical costs if they have very expensive medical treatment.

Article 21 The applicant, the insured or the beneficiary shall notify the insurer in a timely manner of the occurrence of any insured event once it is known to them.

Children of the insured are also insured from 15 to 26 years of age if they are regular students in secondary or higher education, i.e. during the period of regular schooling.

deliberately causing the occurrence of an insured event in the insurance of persons, which leads to the death, injury or illness of the insured, whereupon an insurance claim is fraudulently made or

the beneficiary dies before the insured without other beneficiary being designated or

If the insured, without the insurer's consent, waives the right of indemnity against the third party after indemnity is made by the insurer, the waiver of the insured shall be regarded as invalid.

The applicant may change the beneficiary subject to the consent of the insured.

If the beneficiary has intentionally caused the death or disability of the insured, or attempted to cause the death of the insured or the beneficiary shall lose his her right to claim the insurance benefits.

And this, over the years, can cause real damage, cardiovascular damage.

And this, over the years, can cause real damage, cardiovascular damage.

The subject matter of the insurance refers either to the property of the insured and related interests associated therewith, or to the life and the body of the insured, which is the object of the insurance.

Article 45 If the insured waives the right of indemnity against the third party after the occurrence of the insured event and before the insurer making the indemnity, the insurer shall bear no obligation for indemnity.

Children adopted by the insured have the right to insurance if they are orphans.

It is obvious from the above that the insured are entitled to health insurance.

Persons resident in Entities or Brčko District who are incapable of independent living and work and who do not have funds for support are obligatorily insured, for health care to the extent defined for insured family members.

a material reduction occurred in the insured value of the subject matter of the insurance.