Petrović Tomić, dr Nataša

Zakon o zdravstvenom osiguranju uređuje tri vrste dobrovoljnog zdravstvenog osiguranja: paralelno, dopunsko i privatno zdravstveno osiguranje. U pitanju su vrlo perspektivne usluge osiguranja, od kojih je autorka izdvojila dopunsko zdravstveno osiguranje. Kakav je potencijal tog tipa pokrića? Koji su uslovi za njegov razvoj? Da li su u našem zakonodavstvu ispunjene institucionalne pretpostavke za stvaranje održivog sistema zdravstvene zaštite? Nakon analize odnosa dopunskog i dobrovoljnog zdravstvenog osiguranja, autorka izdvaja zdravstveno opismenjavanje građana, potencijalnih korisnika osiguranja kao faktor koji nadmašuje sve ostale u važećem regulatornom okviru. Promovisanjem dopunskog zdravstvenog osiguranja kao usluge koja se direktno nadovezuje na obavezno zdravstveno osiguranje i dopunjuje ga u delu troškova participacije šalje se poruka građanima da zdravstveni troškovni rizik u jednom delu usluga obavezne zdravstvene zaštite može da se prevali na osiguravače dobrovoljnog zdravstvenog osiguranja. Autorka u zaključku dokazuje da se time podstiče uključivanje privatnih osiguravača u finansiranje troškova obavezne zdravstvene zaštite, čime se ostvaruje saradnja privatnog i državnog sektora radi održivog razvoja sistema zdravstvene zaštite. Ključne reči: Dobrovoljno zdravstveno osiguranje. – Dopunsko zdravstveno osiguranje. – Regulatorni okvir. – Perspektivne usluge osiguranj

The author analyses the provision of the Draft Serbian Civil Code on unfair clauses in insurance. After the explanation of the term and of the importance of unfair clauses, the author presents the arguments in favour of this institute in the field of insurance. The subject provision of the Draft is analysed in the largest part of this paper. The author firstly points out the shortcomings in terminology used in the Draft, and subsequently analyses the provision. Despite her positive attitude to the attempts at creating the regulations on unfair clauses, the author highlights different arguable questions and the issue of non-compliance with the effective regulation on consumer protection. The author argues that unless the analysed deficiencies are remedied in the proposed manner, the efficient protection of the weaker contracting party will be challenged.

Key words: Unfair clauses, Insurance Contract, Consumer, Law on Consumer Protection, Draft Civil Code.

The author deals with the analysis of information duty in German law. Having in mind that German Insurance Contract Law adopts the so-called informative paradigm of protection of consumers of insurance services, one of the essential issues is which information should be given to the consumer before concluding the insurance contract as well as during validity of insurance contract. Apart from the provision of the Insurance Contract Law, the author analyses the Decree on duty to inform, which specifi ed the contents of the mentioned duty. The author advocates for the adoption of a very similar approach in Serbian law and adoption of the bylaw which would introduce the so-called list of information on insurance product and precisely defi ne the volume and the contents of information which should be given to the consumer of insurance services.

Key words: Protection of consumers of insurance services, Information duty, German law.

Although it has long been domesticated in comparative law, the institute of lawyers’ liability insurance is only recently (after adoption of the new Law on Advocacy) the part of our positive law. A new law regulates the lawyers’ liability insurance as a form of compulsory professional liability insurance and puts it in the section on rights and duties of lawyers. The paper is devoted to critical analyses of the provision of the said law that is introducing this very important kind of insurance into our country. Since the law only determines who is required to purchase this insurance, who is authorized to determine the minimum sums that must be bought, and what are the consequences of failure to meet such duty, the author expresses the opinion that such a provision is quite immature and it may become the source of problems in practical application. The introduction of the new type of insurance, especially if it is compulsory, requires the elements relevant for its implementation in practice to be determined as precisely as possible and legally defined. Therefore, the author seeks to open all the questions that may be disputable in the application of this provision and discredit the new types of insurance in the eyes of both lawyers and public. The biggest part of the paper is dedicated to the analyses of the issues that may arise in the practice of lawyers’ liability insurance: who is obliged to conclude this insurance and the time when it must be fulfilled, who are the contracting and the other parties to the contract, who are the third injured parties, the direct action rule, the form of the contract, the extent of coverage, who are the persons whose liability may be covered by this insurance, what is the insured event, the minimum sum of the coverage, losses that may be excluded from the coverage, and so on. The author believes that the lawyers’ liability insurance is crucial for the further developement of the lawyers’ profession in our country, as well as for providing legal services in line with EU standards.