Compulsory state personal insurance is, in essence, the same insurance of life and health of citizens, but it is carried out without fail at the expense of the state budget. Considering the features of personal insurance, designed to protect, first of all, the life and health of citizens in cases of emergency, the availability of an insurance policy for citizens engaged in high-risk professions plays a very important role. However, not all citizens employed in high-risk jobs, for one reason or another, are ready to become participants in voluntary personal life insurance. In order, on the one hand, to protect this category of the population from risks associated with loss of health, disability or even life, and, on the other hand, to make risky professions more attractive to the population, compulsory personal insurance is being introduced at the expense of the state budget. Another significance of state personal insurance is to provide insurance policies to citizens engaged in professions that are strategically important for the state, for example, judges, officials and tax officials. In this case, state support also plays an additional anti-corruption role. In the Russian Federation, employees of tax inspection bodies, military personnel (insurance costs are covered by the Ministry of Defense), police officers, officials of customs services, and personnel of intelligence agencies are required to receive personal insurance policies at the expense of the state. In addition, all judges, as well as certain categories of government officials, are subject to compulsory personal insurance at the expense of the federal budget. But the blog about insurance talks about auto insurance, we recommend reading it.
