COVID-19 INSURANCE - BASIC OR ADDITIONAL INSURANCE RISK COVERAGE
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Abstract
The pandemic caused by the spread of the Covid-19 virus caused consequences in all spheres of life, including the field of insurance. The question of insurance against the consequences of Covid-19 is a question that arises within the framework of insurance of persons, more precisely, within the framework of life insurance. This insurance is still concluded as additional coverage, considering the type and extent of consequences that this virus can cause on people’s health and life. The fact is that this insurance can be concluded with the health insurance of people, which is part of the basic coverage, but also as a special insurance. However, it is most often concluded as additional coverage within travel health insurance. But, considering that almost three years have passed since the beginning of the pandemic, and that a large part of the world’s population has been vaccinated, the question arises whether insurance against the consequences of Covid-19 should be concluded within the framework of basic or additional coverage. The paper also discusses the coverage of basic, additional and supplementary coverage, as well as the pandemic as an insurance risk. The calculation of the premium of insurance depends on the definition of the mentioned factors.
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INTERNET IZVORI
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PROPISI
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