Decided legislator - As a general rule - the fall of the right to insurance when he achieved the incident insured (death) suicide insured his life . Accordingly the insurer is discharged from the obligation to fulfill the amount of insurance in this case, except as exempted from this rule [Article (756) civilian ([1]).
However, it is essential that the fall of the right amount of insurance The edema insured acquitted him the following conditions:
- Be achieved located insured because of the suicide of the insured for his life. - Be suicide insured his life for the will and perception.
- Unavailability of one of the cases are excluded from the base falls.
However, the legislature after being cited for this rule are some exceptions which insured shall pay the amount of insurance or an amount equal to the value of insurance reserves, as follows:
- The insurer shall pay an amount equal to the value of insurance reserves (*) is the outgrowth of the right .
- Do not fall right in the insurance if the cause of the suicide patient's disease lose their will . Provided that proves that the insured beneficiary on his life was a time of suicide loss will.
- Over two years on the insurance policy which require the insurer's commitment to meet the amount of insurance even in the case of suicide insured his life for the selection and realization .
([1]) Article (756) civilians as "1 - the insurer is discharged from the obligation to pay the amount of insurance if the insured person committed suicide on his life. However commit the insurer to pay those who interpreted them the right amount equal to the value of insurance reserves. 2 - If the cause of suicide patient's disease lose their will, stayed the entire insured standing commitment, and on the insured to prove that insured his life died after committing suicide. 3 - If the document included insurance requirement insured is obliged to pay the amount of insurance, even if a person to choose suicide and awareness. This requirement shall not be effective unless signed after two years from the date of the contract. "
Article (1048) of the Code of Civil Transactions Emirati as "1 - does not comply with the insurer to pay insurance if committed suicide insured and he has to respond to the beneficiary an amount equal to the value of insurance reserve. Unless proved beneficiary == suicide was not intended by the maturity amount insurance in this case deserves pay premiums minus what it takes deducted from expenses. 2 - If the suicide is not chosen or perception or for any reason leads to the loss of the will, the insurer shall pay the full insurance agreed. and the beneficiary can prove that the insured his life was lost time will commit suicide. "
Article (943) of the Jordanian Civil Code states that "1 - not the insurer shall pay the amount of insurance if the insured committed suicide and that is to be interpreted is entitled under the contract amount equal to the value of insurance reserves.
2 - If the suicide is choosing or perception or for any reason leads to the loss of the insured will commit to pay the agreed full insurance. The beneficiary has to prove that his life was insured losses will the time of his suicide. "
(*) Reserves means the total insurance premiums paid by the insured for the insured minus the necessary expenses deductible.
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