As explained at the meeting by MP Sergei Simonov, the bill clearly establishes the right of the insured to apply to the court in case of disagreement with the decision of the insurer or insurance ombudsman, and it also provides for the procedure for applying the insured through the insurance company to the insurance ombudsman.
The bill also "provides for a number of measures to ensure the availability and reduction of the cost of insurance services for people and legal entities, by development of direct sales and reduced participation of intermediaries of insurance agents."
"The adopted norms prevent unfair competition and fraudulent schemes of insurance agents. Now the insurance company will have to check the compliance of the insurance agent with the requirements established by the law "On Insurance and Insurance Activities" every three years. Failure by the insurance agent to fulfill obligations arising from the terms of the contract of assignment is the basis for the subsequent ban on activity performance for five years. In addition, the liability of the insurance organization for violation by the insurance agent the legislative insurance requirements has been established", Simonov stressed.
He also noted, that at present there is no possibility to reduce the insurance premium size for the insured and the employer, who did not have insurance events and who create favorable and safe working conditions for their employees. "Therefore, the deputies have made amendments aimed at encouraging employers to create safe production conditions by establishing flexible insurance tariffs by insurers", the deputy said.
Besides, the bill extends the system of guaranteeing insurance payments; it includes pension annuities and annuities concluded for the benefit of workers harmed at the workplace. "Considering that payments on these types of insurance are of a long-term nature, the deputies specify the conditions and procedure for guaranteeing annuity payments. Procedures for ensuring continuity of payments during the liquidation of the insurance company are regulated, as well as a list of guaranteed types of insurance", Simonov explained.
The bill was submitted to the Senate for consideration.