Kui kindlustusandja on kahjukindlustusteenuse väljatöötaja, peab ta koostama kahjukindlustuse teabedokumendi, järgides komisjoni rakendusmääruses (EL) nr 2017/1469, milles sätestatakse kindlustustoote teabedokumendi standardvorm (ELT L 209, 12.08.2017, lk 19–23), sätestatud nõudeid.
Suurem osa kahjukindlustusteenustest ongi mõeldud võimaliku kahju kindlustamiseks: see tähendab, et kindlustus katab kindlustusjuhtumist põhjustatud kahju. Näiteks kohustuslik liikluskindlustus katab kahju, mis kindlustatud isik liiklusõnnetuse korral teistele liiklejatele põhjustab ning ravikindlustus katab kindlustatud isiku ravikulud.
Eestis ja teistes Balti riikides on tüüpilised kahjukindlustustooted kohustuslik liikluskindlustus ja muu vastutuskindlustus, kaskokindlustus, kodukindlustus, reisikindlustus, töötuskindlustus, mitmesugused ettevõttekindlustused, õnnetusjuhtumikindlustus, haiguskindlustus jne.
There is a need to strengthen further the internal market and promote a true internal market for life and non-life insurance products and services.
An insurance product information document should provide standardised information about non-life insurance products.
‘insurance-based investment product’ means an insurance product which offers a maturity or surrender value and where that maturity or surrender value is wholly or partially exposed, directly or indirectly, to market fluctuations, and does not include:
(a) non-life insurance products as listed in Annex I to Directive 2009/138/EC (Classes of non-life insurance);
(b) life insurance contracts where the benefits under the contract are payable only on death or in respect of incapacity due to injury, sickness or disability; (c) pension products which, under national law, are recognised as having the primary purpose of providing the investor with an income in retirement, and which entitle the investor to certain benefits; (d) officially recognised occupational pension schemes falling under the scope of Directive 2003/41/EC or Directive 2009/138/EC; (e) individual pension products for which a financial contribution from the employer is required by national law and where the employer or the employee has no choice as to the pension product or provider;
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