ESSENTIAL TERMS OF THE CONTRACT OF PERSONAL INSURANCE OF MILITARY SERVICEMEN

Abstract

In the scientific article, based on the analysis of scientific views and norms of the current legislation of Ukraine regulating insurance contractual relations, the essential conditions of а personal insurance contract of military servicemenl, which, along with others, constitute its content, the features of such conditions and the procedure for their establishment, are examined.It has been substantiated that, taking into account the specifics of personal insurance, a military insurance contract may provide for various combinations of risks by insurance classes, forms of insurance payments, include a cumulative (insurance in case of survival to a certain age or date) and/or risk component (insurance in case of death and insurance in case of illness, bodily injury, temporary and/or permanent (stable) loss of ability to work), be concluded with fixed and/or variable amounts of insurance sums, insurance payments and/or insurance premiums.It has been established that the conditions under which a personal insurance contract of military servicemen is concluded are of great practical importance, since the proper fulfillment of obligations that contribute to the protection of the rights and interests of the counterparties to the contract depends on them. The essential conditions of the relevant contract are its subject, the object of insurance, the insured event, the amount of money within which the insurer is obliged to make a payment upon the occurrence of an insured event (the insured amount), the amount of the insurance payment and the terms of its payment, the term of the contract and other conditions determined by acts of civil legislation.The attention is focused on the fact that the subject of а personal insurance contract of military servicemen, as its essential condition, is the provision of an insurance service by the insurer to the insured to protect the property interests associated with the life, health, ability to work, and pension provision of military personnel by making an insurance payment in the event of a insured event.It has been established that an insured event under a personal insurance contract of military servicemen should be considered not only an event specified in the contract that has occurred and upon the occurrence of which the insurer is obliged to make an insurance payment, which is typical for insurance contracts with a accumulative component (pension provision for military personnel), but also an accidental causing of harm specified in the contract during the term of the insurance contract, as a result of which the insurer is obliged to make an insurance payment.It was concluded that, despite the limitations and peculiarities of military insurance, this area is important for ensuring the insurance interests of this category of persons who defend Ukraine at the cost of their lives and health. Therefore, the current task today is the further development of insurance products and insurance programs for the military, which are an important element in the social protection system of this category of persons.