جستجوی مقالات مرتبط با کلیدواژه "بیمه گر" در نشریات گروه "علوم سیاسی"

Insurance is considered as one of the most important and effective sectors of the country's economy. The supplementary insurance system has been introduced in order to create diversity in financial institutions and to attract Muslims in order to eliminate the doubts raised by Muslim jurists and also to attract capital. Iran has benefited from Islamic banking for more than two decades, but in the insurance industry it still uses the conventional insurance model in the world. Since every financial plan must be examined both in terms of being Islamic and in terms of efficiency, this article has expressed its effectiveness. Examining the pathology of Takaful insurance system policy in Iran insurance industry and its impact on the economic development of the country using the social theory model, the question arises as to what extent the Takaful insurance system can increase the insurance penetration rate in the country. Be effective in Iran's economic development? It seems that Takaful insurance can be effective as a complementary and non-alternative insurance in the country's insurance industry and have a positive effect on Iran's economic development in competition with Islamic and European countries. In this regard, the findings show that the supplementary insurance system can be used to some extent as a complement to conventional insurance in the insurance industry in Iran, and given that the social and economic security of the Muslim nation requires an alternative insurance model that Approved by the Qur'an and Sunnah, they must be relatively safe in the face of unforeseen risks or catastrophes.

Today, life and pension insurance are very effective and widely used in the economic and social fields. In this type of insurance, individuals are able to save money by continuing to pay for their children's education, dowry, housing construction, and so on. Life insurance, due to its special features, can to a large extent ensure the peace and comfort of the present and future family. In this way, the available statistics show that the number of life insurance contracts is increasing today. Shiite jurists have accepted the life insurance contract as a legitimate and independent contract due to the generality of the reasons for the validity of the contracts and following the general rules of the contracts and being free from jurisprudential obstacles and not confining the contracts in certain and conventional forms, although they believe the insurance contract Omar can be concluded by entering into certain contracts and legal institutions, such as peace, exchange, Mudaraba and commitment in favor of a third party, etc. In life insurance, if the insured dies during the insurance period or is alive at the end of the insurance period, the insurer pays the capital and the only necessary condition is the validity of the insurance policy, which will depend on the payment of the premium at the due dates. Therefore, this type of insurance, in addition to having the characteristics and element of security, covers the economic problems of the survivors and also has the element of savings and capital formation, which is a very valuable element.

The condition of non-liability in insurance has received less attention from researchers and existing laws. The ambiguity of the status of these terms and the reference of the status of these terms to the private terms of the insurance policy, given the annexation of the insurance contract and the superior trading power of insurance companies is a matter of criticism, which is often to the detriment of insurers and policyholders. Leads to. Although using some legal principles, the condition of non-liability for the main obligation of the insurer can be declared invalid, but this ambiguity continues regarding the sub-obligations of the insurer. Also, in cases where the condition of non-liability is partial, even if such a condition is related to the main obligation, considering that such a condition does not destroy the general effect of the insurance contract, it cannot be considered void or void of the insurance contract. But in general, referring the status of the condition of irresponsibility to private conditions has opened the door to abuse. For this reason, a review of existing laws and regulations seems necessary from this perspective.

Nowadays, insurance intermediaries, especially insurance brokers, who act as a bridge that connects insurers to insureds, have a salient role in the development of insurance industry. Insurance brokers select the best possible portfolio of insurance products for their clients in insurance market. This leads insurers to promote further the variety of their insurance products and, in turn, enhancing their sale. It is inevitable to regulate insurance brokers in order to protect customers against their misconduct and misrepresentation. In this article, the assumed theory is based on the fact that regulation of insurance brokerage’s relationships cannot merely based on private law principles, so there is a need to intervene public law to regulate them. In this study, introducing the functions of insurance brokers and their benefits, various regulatory aspects of insurance brokerage are presented and investigated considering examples from other countries and Iran

Basically, the compensation of damage is the main purpose of Indemnity Insurance contract that is founded on the principle of indemnity. According to this principle, the full compensation of e victim’s losses, up to ceiling of insurer’s obligations, is the main and inherent effects of Indemnity Insurance contract in insurance law. Thus, the main obligation of an insurer in the indemnity insurance is compensation so the victim should be placed in a situation that it was if the insured risk actually has not occurred.Thus, in the Indemnity Insurance contract "the Indemnity principle" as the underlying principle has two function. First, the insurer should compensate the damage incurred to property insured in property insurance and to insured person in personal liability insurance up to ceiling of insurer’s obligations completely. Therefore, compensation should placed the victim in a situation that it was if the insured risk actually has not occurred.Second, compensation and payment of damages should not increase the victim assets since the insurance should never be a source of profit for the victims. This principle is the binding rule of the insurance contracts according to it, the insurer is committed to compensate the victim’s actual damage (assessed) up to ceiling of her obligations, in accordance with the terms and conditions of the insurance policy.