Movement life for humans and the surrounding nature and use of things living and non-living make it susceptible to. Therefore resort person for bodily injury insurance, which is likely exposure through Resumption activities different. It is obvious that this insurance does not stave off all insured exposure to such injuries, but reduces the financial implications discharged Finance, any commitment to the believer in this type of insurance is not to prevent exposure insured for injury but is fulfilling amount of insurance in case of exposure to such.
In light of this, it is clear that from injury insurance is a contract whereby the insurer would pay to the insured- When exposed to bodily injury during the period of deposit insurance and that the cost of treatment is contained in whole or in percentage versus second obligation to pay insurance premiums ([1] ).
The insured risk him in this type of insurance is an infection which is all unintentional injury to body Insured sudden external impact.
The injury requires the following conditions:
The first condition - Be physical injury:
Necessary, in order to be injury risk locked him in this kind of insurance, to be hurt right body Insured material accidentally directly Such wounds or fractures or amputation member or electric shock or asphyxiation by drowning or other.
The second condition - Not be the insured or the beneficiary may intentionally incidence:
Must, over the fact that the physical injury, not be of injury caused by intentional act of the insured or the beneficiary of the insurance . Because neither deliberately occurrence insured shall be exempt from bearing liability check this menace, which was achieved by deliberately whichever . And then does not comply with the insurer to fulfill the amount of insurance does not refund the cost of treatment to the insured . The injury arising from the deliberate non-believer is committed to fulfilling all its obligations under the check insured risk it .
The third condition - Arise influence of an external cause injury:
Must, over the fact that the incidence of physical and non-insured or beneficiary deliberately in their occurrence, that incidence is due to external, ie not achieved due to the ill in the body of the insured .That which distinguishes between the incidence of the disease, the former spoke about the impact of external or second is caused by poor human body.
The fourth condition - That the causal relationship between the external cause of injury:
Finally necessary that the causal relationship between infection and external cause . If the injury is in growth relevant to this cause has not been achieved insured risk him in this type of insurance . For example, if someone slipped feet And there were his bruised leg and suffered a brain haemorrhage, although the upper half of the body did not collide with anything, And trauma injury The bleeding is a disease to break the chain of causation between him and the external cause (slide) .
([1]) The first paragraph of Article (1125) of the preliminary draft of the Civil Code provides that "1 - in the individual insurance committed believer that leads to the insured commitments made under the contract in the case of injury insured damage arising from any accident or any particular type of accidents" .
(A preparatory work for the civil law, vol 5, p 409).
التسميات
Insurance people