Risk Category in Personal Insurance Contracts: Legal Aspects
( Pp. 124-128)

The article highlights the relevance of the topic of personal insurance in connection with the increased role of this type of legal relationship in the socio-economic life of Russia. The risk category in personal insurance is analyzed, as well as its relationship with the concepts of «insurance interest» and «insured event». The purpose of the entry of legal entities into the insurance legal relations of personal insurance is disclosed. It is noted that the risk category in property and personal insurance has a single legal nature, but at the same time it has some specific features in these types of insurance. The specifics of the insurance risk in personal insurance are revealed, which is related to the nature of the insured event as an event occurring precisely in the life of the subject. Both positive aspects of the development of insurance legislation on personal insurance and problematic aspects are noted.

Battakhov P. P., Ovchinnikova Yu. S. Risk Category in Personal Insurance Contracts: Legal Aspects // ECONOMIC PROBLEMS AND LEGAL PRACTICE. 2023. Vol. 19. № 6. P. 124-128. (in Russ.) DOI: 10.33693/2541-8025-2023-19-6-124-128. EDN: MOEDLL

Ovchinnikova Yu. S. Law enforcement issues in insurance legal relations: new trends // Problems of economics and legal practice. —2022. —V. 18, No. 4. —Pp. 72–76.
Serebrovsky V.I. Selected works on hereditary and insurance law // Mosk. Gos. un-t named after M.V. Lomonosov. Kaf. law. fact. —[2. Ed., Ref.]. —Moscow: Statute, 2003.
Rasskazova N. Yu. Personal insurance, inheritance and freedom of contract//Notary Bulletin. —2021. —№ 8. —Pp. 6–20.
Khudyakov A.I. Insurance theory // M.: Statute. 2010. P. 654.
Fogelson Yu. B. Insurance law: theoretical foundations and practice of application // M.: Norm: Infra-M. 2018. P. 574.
Arkhipova A. G. Subrogation in personal insurance: maintaining the ban or eliminating restrictions? // Bulletin of Economic Justice of the Russian Federation. —2021. —№ 4. —Pp. 40–45.
Battakhov P. P. The concept of «insurance interest» in civil law: the main problems of theory and practice/P. P. Battakhov, Yu. S. Ovchinnikova, S. M. Moturenko // Bulletin of the Russian University of Peoples' Friendship. Series: Legal Sciences. —2023. —V. 17, No. 2. —Pp. 439–452.
Yurochkina M. A. On the issue of the system of sources of legal regulation of compulsory insurance in Russia // Socio-economic research, humanities and jurisprudence: theory and practice. —2016. —№ 9. —Pp. 162–170.
Andreev V.K., Laptev V.A. Corporate law of modern Russia//Russian State University of Justice. —2nd edition, revised and supplemented. —Moscow: Prospect Limited Liability Company, 2023. —352 p.

personal insurance, contract, beneficiary, life insurance, insurance risk, insured event, insurance interest..