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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.



1.1. The comparative characteristic of the insurance market in Russia and in others

The countries

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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