Varied divisions of insurance at the present time , particularly with the rapid developments in the modern era , so this system has become extends to various areas , and we can in this regard, the insurance division according to several criteria , namely:
1_ division depending on the risk of the insured :
According to this standard , we find three types of insurance , namely:
A) insurance on people : It is insurance related to humans , in terms of his presence and his life, or in terms of his health and safety , such as insurance from the disease , and disability , and various incidents that affect humans , and aims to pay a sum of money if the disaster have been achieved regardless of the individual who created it, is not subject to the principle of compensation where seizes the insured an amount agreed upon the entire insurance , if the risk insured it, without regard to the result of damages incurred , but even if it did not hurt any damage includes the two basic types : life insurance, and insurance personal accident .
B) Property Insurance: Includes insurance risks that affect people's property, and that a broader field of insurance, and enters in the insurance of human T-sourced hazards such as theft, or natural such as earthquakes, floods, hurricanes ... etc.
C) Civil liability insurance: the relation to damage infect others and the person responsible for it and falls within this type of insurance are three parties: the insurer (insurance company), the insured (premiums), defended the aggrieved (clutch amount of insurance), can not be considered aggrieved is the beneficiary, and the danger of it insured in the insurance is a responsibility, and it is not damage to the aggrieved, it is a damage to the insured of the affected reference it.
2_altksam by area of danger :
This is the traditional division that distinguishes the major types of insurance :
A) Marine insurance : the kind that preceded all other insurance types in the origination , and allocates threats to ships and cargo during the flight , or when docked at the port , and all the process of maritime transport , and it would Systems No. 95-07 relating to insurance issued on 25 /01 / 1995 , all types of insurance and the development of its provisions .
B) wild Bond: the back of this kind of wild after the emergence of insurance , designed to cover threats to the person in the land, divided into : insurance on damages , and insurance on people .
C) Air Bond: the newest era of offshore and onshore insurance , has emerged with the advent of aircraft and aims to cover threats to or caused by aerodynamic vehicles, during the flight , or when you stop at the airport , all hazards related to air transport operation , has organized order No. 95-07 also this type of insurance and the development of its provisions.
3_ division on the basis of the relationship with the public order :
Insurance is by this division are either optional or mandatory.
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