ISKLjUČENI RIZICI IZ POKRIĆA U OSIGURANjU ŽIVOTA

Abstract

Starting from the fact that in the Republic of Serbia life insurance is in the development phase, the author points to the significance of life insurance in national law, as a source of (additional) social security of citizens. Life insurance is conceived as a protection against pecuniary losses, which are the result of the interference of such uncertain events in our lives. The work essentially determines the life insurance topic, and that part which deals with the exclusion of risks, which deprives the insured of coverage based on the insurance of a specific risk in special circumstances. In accordance with the current trends in the insurance law, in addition to the analysis of the legal framework for excluding risks, then some of the issues related to this topic, attention is paid to the advantages and disadvantages of certain legal solutions. The aim of the paper, respecting article size limit, is to present specific features of the life insurance exclusions both in national as well as in comparative law with examples from case-law.