Guaranteeing the right of the insured to secure insurance. The plant, the object and the main ambush of obligatory social insurance against disasters in the field of production
Re-examination of the insured institution of medical and social examination is carried out at the same time. A re-examination of the insured can be carried out pre-stroke, following the application of the insured or the insurer or insurer.
Deterioration of the insured without a good reason due to re-examination installed terms I'm gravitating towards the loss of the right to security until I pass, I'll re-look.
1.4. Procedure for payment and insurance
Assigned and payment of insured assistance due to timely failure in connection with an unfortunate outbreak of illness or professional illness is subject to the procedure established by law Russian Federation for recognition and payment of assistance due to the time-consuming inefficiency of the national social insurance.
The day of collection of insurance premiums is the day of payment to the insurance company by the insured person, who is entrusted to him or her by a person who has the right to withdraw insurance payments by applying for the insurance policy. Whenever a registered application is sent by mail on the day of check for security and insurance, the date of its delivery is respected.
Insurance, which is entrusted to a person or person who has the right to withdraw insurance payments, has the right to appeal to the insurance company with an application for withdrawal of security from insurance, regardless of the statute of limitations insurance policy.
Thousands of insurance payments are assigned and paid to the insured for the entire period of wasting his professional time from the day on which the medical and social examination established the fact of wasting the insured professional time, with the culprit per The period for which the insured was entitled to additional assistance due to the time-consuming inconvenience.
For individuals who have the right to withdraw insurance payments from the death of the insured, a one-time insurance payment and thousands of insurance payments are due from the day of his death, and not before the right to withdraw insurance payments.
When circumstances arise that result in a change in the amount of insurance payment, the law states that such a change must be carried out from month to month in which the conditions have arisen.
In this case, in case of recognition and payment of security and insurance, the right to withdraw these payments was presented in three years from the moment of guilt, they are satisfied in the past hour no more than three times that they paid the beast for security and insurance.
The assigned security insurance is carried out by the insurer upon submitting the application of the insured, its authorized person or the person who has the right to withdraw insurance payments, to withdraw security insurance and to provide the insurer (the insured) with the necessary documents (for certified copies):
an act on an unfortunate outbreak of illness or an act on professional illness;
evidence about the average monthly earnings of the insured for the period of his selection for the breakdown of monthly insurance payments in accordance with the law;
establish a medical and social examination based on the level of professional performance of the insured;
establish a medical and social examination regarding the necessary types of social, medical and professional rehabilitation of the insured;
a civil law agreement that transfers the payment of insurance premiums to the insured, as well as copies of the work record book or other document that confirms the victim’s employment with the insurer; certificate of death of the insured;
reports to the life-exploitation body, and for this purpose the municipal self-government body about the warehouse of the family of the deceased insured;
notification of medical and preventive care regarding the establishment of a final diagnosis of acute and chronic occupational illness (disease);
information to the Center for Occupational Pathology about the presence of occupational illness;
a document that confirms that one of the parents, a man (squad) or another member of the family of the deceased, is taking care of the children, grandchildren, brothers and sisters of the insured, who have not reached the age of 14 years or have reached the designated age, but beyond visnovkom install medical - social expertise and medical and preventive knowledge such that they require the health of an outsider to look at it is not necessary;
completion of the initial mortgage for those who are a member of the family of the deceased insured, who has the right to withhold insurance payments, begins at this initial stage after a full-time commencement;
documents that confirm expenses for the development of the insured person's medical and social examination of social, medical and professional rehabilitation;
establish a medical and social examination to link the death of the victim with an unfortunate illness from a viral or occupational illness;
a document that confirms the fact of having been in the same place or establishing the right to take back the place;
rehabilitation programs for the victim
In case of transfer of documents (their certified copies), necessary for insurance purposes, the insurer will charge the insurer as an insurance claim.
Decisions about recognition or compensation for recognized insurance payments are accepted by the insurer no later than 10 days (in case of death of the insured - no later than 2 days) from the day the application for withdrawal of security from insurance is submitted and all necessary of the original documents (their certified copies) for the appropriate overlay.
Coverage by the insurer is accepted in the determination of the terms of the decision regarding recognition and compensation in the recognition of insurance payments is considered as compensation in the recognition of insurance payments.
Applications for the receipt of secured insurance and documents (their certified copies), on the basis of which the secured insurance is indicated, are retained by the insurer.
Facts that may be of legal significance for the recognition of secure insurance for various types of documents, which confirm the occurrence of the insurance situation and (or) necessary for the security of insurance, as well as in case of adversity of the person concerned and in place of such documents, are established by the court.
In case of misfortune of the insured, the insurer, the insurance company, a medical and social examination is established, the assignment of compensation may be discredited by the insured, the insurer, the insurer before the court.
The impairment of the insured without a good reason due to the re-examination established by the medical and social examination will entail the loss of the right to secure insurance until he undergoes the assigned re-examination.
When investigating the insurance claim, the commission established that the gross negligence of the insured caused guilt or increased harm associated with health, the amount of monthly insurance in and payments are changed accordingly to the level of the insured person’s fault, and no more than 25%. The level of fault of the insured is established by the commission for investigating the insurance loss in insurance companies and is indicated in the act of accidental death in the workplace or in the act of occupational illness.
If the level of guilt of the insured is determined, the insured’s professional committee or other authorized insured representative body is considered.
The amount of thousands of insurance payments transferred under Federal Law may change upon the death of the insured.
In case of insurance claims confirmed in accordance with the established procedure, insurance claims are not allowed.
Skoda, which was born as a legacy of the insured, confirmed by law enforcement authorities, does not allow recovery.
Zavdannyami obov'yazkovogo social insurance from unfortunate outbreaks of infection and occupational illnesses:
- ensuring social protection of the insured and economical protection of insurance subjects (insurer, insurer, insured) for people with low professional risk;
- Injury insurance, life insurance and health insurance, whereby the insured is subject to full coverage of all necessary types of insurance, including payment of expenses for medical, social and vocational rehabilitation yu;
- ensuring emergency access to reduce the risk of accidents and occupational illnesses.
The basic principles of compulsory social insurance against accidents due to occupational illnesses and illnesses are:
- the obligatory registration of insurance companies for all individuals who hire (and get paid before) doctors who provide compulsory social insurance in the event of accidents in the workplace and about personal illnesses;
- obligations to be paid by insurers;
- differentiation of insurance rates depends on the class of professional risk;
- guarantee of the right of the insured to secure insurance;
- Economical benefits for insurance subjects with brighter minds and increased safety, reduced incidence of injuries and occupational illnesses.
The concept of an insurance claim is defined as confirmation of the established procedure that the health of the insured person has been damaged as a result of an accident due to illness or professional
sickness, as a result of the guilt of the goiter, the responsibility of the insurance company to create secure insurance.
Compulsory social insurance in the event of accidents in the workplace and occupational illnesses is provided to individuals who sign up for work on the basis of an employment contract established with the insurer and individuals who are condemned and until the release of the will and the insurance company.
Physical individuals who design the robot on the stand civil and legal agreement that provides compulsory social insurance against accidental illnesses and occupational illnesses, as a result of registration agreements with royal bodies Foundation.
The FSS of the Russian Federation is currently registering as insurers legal entities Regardless of organizational and legal form or physical characteristics of employees, they provide compulsory social insurance against accidental illnesses and occupational illnesses. The fact of registration of an insurer by an insurer is verified by an insurance certificate in a form approved by the insurer.
The law requires workers to pay contributions to the compulsory social insurance against accidents in labor and occupational illnesses. Initially, the grouping of galusi and subgalusi is carried out for 14 classes of professional rizik. In 2006 The number of classes of professional workers has increased since 2001-2005. 22 classes to 32 classes. It is worth mentioning that the production has been carried out since 1st September 2003. The Zagal-Russian classifier of types of economic activity contains 1842 codes for the types of economic activity, and the formerly-Galno-Union classifier of the Galuses of the People's Dominion (OKONG) contains 755 code. ів galuzey (podgaluzey) of the economy.
The increase in occupational risk classes up to 32 classes will allow the size of insurance rates to be brought closer to the actual costs of insurers for the care of victims in the field of healthcare. Number
classes and the size of insurance rates in the classes were insured with a minimum insurance rate of 0.2% and maximum size insurance tariff – 8.5%.
More on the subject of the fall, the object and the basic principles of compulsory social insurance against accidents in the workplace:
- Chapter 5. Obligatory social insurance against accidents due to illness and occupational illness
- 2.4.45. Contributions from compulsory social insurance against accidental illnesses and occupational illnesses
- 3.7. Insurance contributions from compulsory social insurance against accidents in labor and occupational illnesses
- Insurance premiums for accidental illnesses and occupational illnesses
- §3. European report on social insurance against accidents due to occupational illnesses and illnesses
Article 5. Basic insurance against accidents
The main ambushes are insurance in the face of an unfortunate accident:
parity of power, representatives of insured persons and employers in the management of accident insurance;
now and beyond the insurance policy;
liability of insurance against accidents, such as focus on the employment agreement (contract) and on other bases provided by the legislation on labor, as well as the voluntary nature of such insurance for individuals who provide themselves with work independently, and the community - subjects of the enterprise clarity;
grant of sovereign guarantees realization of the rights of insured citizens;
the obligation of the insurer to pay insurance premiums;
formation and payment of insurance costs on a joint and several basis;
differentiation of insurance tariffs from regulations minds and will become safe from the risk of injury and occupational illness in the skin industry;
economical coverage of insurance subjects the abundance of minds and security is great;
whole vykoristannya cost of insurance against accidents.
Article 6. Subjects and objects of accident insurance
The subjects of disaster insurance are the insured population, and in other cases - members of their families and other individuals, insurers and insurers.
Let's insure it physical person, in the interests what kind of insurance is involved (hereinafter referred to as a doctor).
Insurers and robot sellers, and in case of emergency, the individuals are insured.
Insurer - Social Insurance Fund against accidents in the field of viral and occupational illnesses in Ukraine (hereinafter referred to as the Social Insurance Fund against accidents).
The object of accident insurance Finally, this is the life of the insured, his health and productivity.
Article 7. Robot seller
The employer, in accordance with this Law, respects: a legal (enterprise, establishment, organization) or physical person, who, within the boundaries of labor, is a victorious person.
Article 8. Individuals who support compulsory insurance against accidents
Obligatory insurance an unfortunate accident is encouraged:
1) individuals who work on the basis of an employment contract(contract) or from other provisions provided for by law on law;
2) taught by undergraduate students, clinical residents, graduate students doctoral candidates, received prior to any work for an hour, before or after taking up; borrow an hour when the stinks of professional skills arise; During the period of professional practice (internship), the graduate works in enterprises;
3) individuals , how to take place among the rightful, medical-labor, spiritual- labor bonds and are obtained prior to labor activity in production at these installations or in other enterprises under special contracts.
Article 9. Insurance of the embryo and newborn
The development of sickness in the embryo as a result of injury due to the virus or occupational illness of a woman under the hour of pregnancy, due to which the child was born with a disability, is equivalent to an accidental death that was caught We will insure it. Such a child must be considered insured until medical examination and up to 18 years of age, or until the end of her career, and no more until she reaches 23 years of age, assistance to the Social Insurance Fund in case of accidents is provided.
Article 10. Insurance procedure for healthcare workers
To insure against an accident in the workplace, you do not need to register with a doctor. Insurance is available in a non-special form. All individuals listed in Article 8 of this Law are considered insured by this Law, regardless of the fact that the insurers actually pay their claims in order to pay the insurance premiums.
All are insured by members of the Social Catastrophic Insurance Fund.
Article 11. Voluntary accident insurance
Voluntarily in the face of an unfortunate accident can insure:
1) individuals who can provide for themselves with work independently- engage in legal, notary, creative and other activities related to the subtraction of income directly from this activity, members of the farmer state, a special rural state, since they do not employ workers nicknames;
2) communities are subjects of enterprise activity.
3) clergy, clergy
Article 12. Certificate of accident insurance
Those who provide emergency insurance are provided with a certificate about the federal government's social insurance, which is the only type of insurance.
Article 13. Insurance risk and insurance premium
Insurance risk - set up any insurance claims that may arise.
An insured event is an accident due to a viral or professional illness that was caused by an insured professional physical or mental illness for the conditions prescribed by Article 14 of the Law, which is due to the conditions the right of the insured person to receive financial security and/or social services.
Occupational sickness is an insurance type that is also sometimes diagnosed or detected during the period when the patient has not been at work with the occupation that caused the illness.
Violation of the rules of protection by the insured, which caused an accident or occupational illness, does not indemnify the insurer against liability to the victims.
The basis for paying the victim for medical assistance, medical, occupational and social rehabilitation, as well as insurance payments is an act of investigation of an accident and an act of investigation of an occupational illness (discontinued nya) behind the inserted forms.