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The Risks in the Insurance of Persons

Author

Listed:
  • Vãduva Maria

    („Constantin Brancusi” University of Targu Jiu, Faculty of Economics and Business Administration, Romania)

Abstract

The insurances of persons can be divided in two categories, depending on the insured risk in the base insurance: insurances of persons that cover the risk of death; insurances of persons, others than those of life, which cover in the main insurance the corporal integrity or the person’s health. At the production of the insured event, the insurant receives an insurance indemnification corresponding to the initialed established sum, sum covered according to the insurance contract. Additional clauses can be added at both types of insurances, which extend the cover through the main product in exchange of an insurance supplementary premium. In the insurance practice, this carries the denomination of insurance of persons. The origin is in antiquity, being a prudence proof. Life and health insurances have been recognized as essential and necessary elements in the individual’s and his family’s financial program.

Suggested Citation

  • Vãduva Maria, 2013. "The Risks in the Insurance of Persons," Ovidius University Annals, Economic Sciences Series, Ovidius University of Constantza, Faculty of Economic Sciences, vol. 0(1), pages 1575-1579, May.
    • Handle: RePEc:ovi:oviste:v:xii:y:2012:i:1:p:1575-1579
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    More about this item

    Keywords

    insurances; annuity; the validity period; the contract; the payment.;
    All these keywords.

    JEL classification:

    • A10 - General Economics and Teaching - - General Economics - - - General
    • M20 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Economics - - - General

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