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Insurance has come nearer to 50 and continues to grow. Concerning structure and
The basic characteristics of kinds of obligatory insurance there is a number
Questions which should be resolved in a legislative order.
In Russia the accurate legal border till now is not spent between
The state social insurance and actually insurance branch,
Based on principles of private commercial insurance. The majority
The kinds of insurance spent now as obligatory, with the full
The basis can be carried to sector of social insurance and
Social protection. They include obligatory medical insurance,
Obligatory state life insurance and health of military men,
Workers of courts and Office of Public Prosecutor, customs bodies and other categories
Civil servants. The listed types of service realised at
Intermediary of the insurance enterprises, are not inherently insurance
Services as in their basis completely there is no main element,
Defining an insurance essence - a risk element.
As a matter of experience foreign countries, including the countries from the transitive
Economy, it is necessary to define possible models of development of insurance business in
Russia and optimisation of structure of the insurance market, first of all, parities
Between obligatory and voluntary kinds of insurance. The major problem
The finding of the balanced position in relation to foreign is
To the insurance organisations in the Partnership and Cooperation Agreement context
Between the Russian Federation and EU, and also negotiations about a Russia's accession to the World Trade Organization.
1. THE BASIC TENDENCIES OF DEVELOPMENT RUSSIAN
THE INSURANCE MARKET
1.1. The comparative characteristic of the insurance market in Russia and in others
In Russia in transition from planned to market economy has not occurred
Increase of a role of insurance in economy. The certificate of it is extremely
Low level of the relation of insurance awards to gross national product. Value of this indicator
Varied from 0,6 % in 1992it. To 2 % in 1998it. A share of Russia in the universal
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