Pregled bibliografske jedinice broj: 1140053
COVID-19 as a "significant circumstance" for risk assessment in life insurance (in and after the pandemic)
COVID-19 as a "significant circumstance" for risk assessment in life insurance (in and after the pandemic) // EU and comparative law issues and challenges series ECLIC vol.5 / Duić, Dunja ; Petrašević, Tunjica (ur.).
Osijek: Pravni fakultet Sveučilišta Josipa Jurja Strossmayera u Osijeku, 2021. str. 359-378 doi:10.25234/eclic/18311 (predavanje, međunarodna recenzija, cjeloviti rad (in extenso), znanstveni)
CROSBI ID: 1140053 Za ispravke kontaktirajte CROSBI podršku putem web obrasca
Naslov
COVID-19 as a "significant circumstance" for risk
assessment in life insurance (in and after the
pandemic)
Autori
Primorac, Željka
Vrsta, podvrsta i kategorija rada
Radovi u zbornicima skupova, cjeloviti rad (in extenso), znanstveni
Izvornik
EU and comparative law issues and challenges series ECLIC vol.5
/ Duić, Dunja ; Petrašević, Tunjica - Osijek : Pravni fakultet Sveučilišta Josipa Jurja Strossmayera u Osijeku, 2021, 359-378
ISBN
978-953-81009-39
Skup
ECLIC International Scientific Conference: EU 2021 – The future of the EU in and after the pandemic (ECLIC 2021)
Mjesto i datum
Osijek, Hrvatska, 20.05.2021. - 21.05.2021
Vrsta sudjelovanja
Predavanje
Vrsta recenzije
Međunarodna recenzija
Ključne riječi
COVID-19 ; life insurance ; “significant circumstance”
Sažetak
The data on the health status of a policyholder represent a significant circumstance for risk assessment and concluding a life insurance contract, and are also legally relevant circumstances for exercising the rights from that contract. The author starts from a theoretical analysis of the perception of data on the health status of policyholders as personal data, comparing the right to confidentiality of such data with the duty to report them (before concluding a life insurance contract) in terms of reporting all circumstances relevant to the insurance risk assessment. In order to properly fulfil the obligation of pre-contractual nature, the paper analyses the legal norms governing this issue and also provides a comparative overview of the Croatian and German insurance legislation with special emphasis on the scope of health data that the insurer is authorised to require, the clarity of legal standards and legal insurance norms contained in the insurance questionnaires and the life insurance offer. Presenting the importance of COVID-19 infection and possible chronic consequences for human health, the author indicates the extent to which COVID-19 infection (mild or severe form of disease, possible need for hospital treatment) will have an impact on the design of new insurance questionnaires and the relevance of genetic testing results in the context of concluding future life insurance contracts.
Izvorni jezik
Engleski
Znanstvena područja
Pravo
Citiraj ovu publikaciju:
Časopis indeksira:
- Web of Science Core Collection (WoSCC)
- Conference Proceedings Citation Index - Social Sciences & Humanities (CPCI-SSH)
- HeinOnline
