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The Council for the Development of Entrepreneurship sent an information note to the Board on some aspects of the domestic insurance market. According to the press service of the council, to develop proposals for the development of the domestic insurance market, several meetings were organized with the participation of representatives of the Ministry of Finance, the Ministry of Taxes and Agencies d & # 39; insurance. and insurance brokers. On the basis of the results of the discussion, conclusions were drawn on the need to legally settle the problems badociated with the attraction by an insurance broker to the cooperation of individuals, including individual entrepreneurs, on the basis of civil law
This practice, widespread in several countries, including Russia and Ukraine, has a strong economic and social potential. On the one hand, it helps to inform the general public about existing insurance proposals, on the other hand, it provides jobs and additional income to citizens.
However, the implementation of this mechanism entails certain risks, including the simultaneous dissolution of a large number of insurance contracts and the need to repay insurance premiums for the full term of their exploitation.
For example, in Belarus, a person who insured life, even in the absence of an insurance event, At the time of the termination of the insurance contract, the companies insurance companies undoubtedly recover from the broker the full amount of the commission paid to them, and the broker, who paid this amount earlier to the employee and the contributions to the IRS, lost them irretrievably. This link requires an improvement in the procedure for determining the amount of the repayment value of the insurance policy. Participants at the meeting also concluded that the amount paid by the insurance company to the broker should not be repaid, which will minimize the risks badociated with the impossibility of payment in the event of early termination of the contracts of # 39; insurance.
To avoid this, insurance brokers should be required to provide regular training for their employees, whether they are engaged under employment contracts or by law. civil. [19659003] In order to ensure that the insured person wishes to clarify all important aspects of the insurance contract, it is recommended to develop and issue a memo containing all explanations to the insured person. insured
"To avoid the impulsive conclusion of an insurance contract, consultations with an insurance broker, etc.) it is proposed to establish, according to the 39, experience of foreign countries, a "cooling period" during which, after the conclusion of a contract, the customer has the right to terminate the dog "According to the results of the meetings, a note d & # 39; information was sent to the government proposing the development of a draft document regulating the use of the reference system in insurance, taking into account the international situation. experience of its application, including the experience of the EU and EEA countries.
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