For the purposes of main risks coverage insurance activities may be performed within the following classes of insurance:

1) Insurance against consequences of an accident (including industrial injuries and occupational illnesses), in the event of death or health disorder as a result of an injury, covers:
  • Payment of the insured amount in a single full amount;
  • Payment of the insured amount in installments;
  • Combination of payments referred to in the previous two cases;
  • Payment against injury, health deterioration or death of passengers.

2) Health Insurance shall cover services not covered by the mandatory health insurance:
Lump sum payment of disability claim;
Reimbursement of hospital treatment costs;
Combination of payments referred to in the previous two cases;

3) Insurance of motor vehicles (comprehensive) shall cover claims for:
  • Self-propelled motor vehicles, other than railway rolling stock vehicles;
  • Trailer vehicles.

4) Insurance of railway rolling stock vehicles (comprehensive) shall cover claims incurred to railway rolling stock vehicles.

5) Insurance of aircrafts (comprehensive) shall cover claims incurred to aircrafts.

6) Insurance of vessels (comprehensive) shall cover claims incurred to river or lake vessels.

7) Insurance of goods in transportation (freight) shall cover claims or loss of goods in transportation, including luggage, irrespective of the type of transport.

8) Property insurance against fire and natural disasters shall cover claim or loss of property (except claims to property covered in indents 3 to 7) in cases of:
  • Fire,
  • Explosion,
  • Storm,
  • Natural disasters other than storm,
  • Landslide and land sinking.

9) Other property insurance shall cover claims or loss of property (other than claims covered in indents 3 to 7) due to hail or frost, and claims other than those referred to in indent 8 (for example, in case of theft).

10) Motor third party liability insurance;

11) Aircraft third party liability insurance shall cover claims incurred as a result of the use of an aircraft, including liability by the owner.

12) Vessel third party liability insurance shall cover claims incurred as a result of the use of a vessel, including liability by the owner.

13) General liability insurance shall cover insurance liabilities other than those referred to in indents 10 to 12.

14) Credit insurance shall cover:
  • Risk of failure to pay (default) due to insolvency or other circumstances;
  • Export credits and other risks associated with export, trade and investment home and abroad;
  • Credits repaid in installments;
  • Mortgage and lombard credits;
  • Agricultural credits, and
  • Other credits and loans.

15) Insurance of guaranties (surety insurance) shall cover and directly or indirectly guarantee the due compliance with the debtors’ liabilities.

16) Insurance against financial losses shall cover financial losses suffered as a result of:
  • Risk in employment;
  • Insufficient income (general);
  • Bad weather conditions;
  • Loss of income;
  • Unforeseen general expenditures;
  • Unforeseen commercial expenditures;
  • Loss of market value;
  • Loss of rent or revenue;
  • Indirect commercial losses other than those listed in the previous cases;
  • Other financial losses (other than commercial), and
  • Other types of financial losses.

17) Legal aid insurance shall cover the costs of legal services and costs of litigation.

18) Turist assistance insurance for people who experience problems in traveling or other cases of absence from home or from the permanent place of residence.

19) Life insurance (other than that indicated to in indents 20-23) shall cover insurance in case of survival, insurance in case of death, mixed life insurance, rent insurance and life insurance with premium refund.

20) Marriage or birth assurance.

21) Life insurance regarding shares in investment funds, when the policy holder assumes the investment risk in terms of change of value of the investment coupons or other investment fund securities.

22) Insurance of tontina shall be insurance of individuals joined together for the purpose of capitalizing their contributions paid in and distributing in proportion thereto the funds accumulated among the persons who have reached certain age, or among the beneficiaries of insurance of deceased persons.

23) Insurance of funds for payment shall be based on actuarial calculations whereby in exchange for single or periodical payments, policy holders receive claims valid for a given period of time and in a certain amount.