Object of Insurance – The interests of the Insured associated with his obligation to compensate for harm caused to the life and health of the Insured employee(s) as a result of a workplace accident and/or occupational disease.

Insured Event – Under voluntary insurance of employer’s civil liability, an insured event is the occurrence of the Insured’s liability for causing harm to the life and health of the Insured employees due to a workplace accident and/or occupational disease.

Upon the occurrence of an insured event, the Insured has the right to claim from the Insurer the payment of the agreed sum insured (insurance indemnity) and the fulfillment of other obligations stipulated by the insurance contract or the legislation of Turkmenistan, and the Insurer has the corresponding obligation.

The fact of the occurrence of an insured event is established based on relevant documents and other data whose reliability is not in doubt, by decisions of courts, investigative and other authorities, and, if necessary, on the basis of expert opinions.

For insurance contracts related to life, health, work capacity, and other personal interests, the sum insured is determined by agreement between the Insured and the Insurer.