PROBLEMS OF LEGAL REGULATION PERSONAL INSURANCE FOR INFECTIOUS DISEASES COVID-19

Abstract

In the article the problems of personal insurance contract for infectious disease COVID-19 are considered. Legal regulation of this type of contract is analyzed. Gaps in legislation were identified, and the lack of uniform rules for insurance against infectious diseases was shown. In the article, the author substantiates the need to create rules aimed at protecting the interests of the insured. It is proposed to adopt uniform insurance rules and fix the age of the insured person in them from 7 to 75 years; recognize as an insured event the disease of a patient who is on outpatient treatment, as well as a positive test from the laboratory for coronavirus; allow the recognition of a repeat disease as an insured event during the period of validity of the policy; expand the range of chronic diseases, in the presence of which, the insured person can apply for insurance services of this type; fix the minimum amount of insurance payment when an insured event occurs.