Comparative comparison of reimbursement of insurance premiums paid in basic and non-basic insurance funds

Today, insurance has become a basic issue and an integral part of human life, in this sense, many companies have been promoted to operate in various fields of insurance. In the beginning, insurance activities were only focused on retirement and treatment, but over time and the diversity of society's needs, insurance activities expanded. An issue that is very important in the current human condition is the possibility and method of returning the paid insurance premium funds. The research method is qualitative and content analysis method, the research information has been done by studying the reliable scientific and research sources in the library method and checking the reliable documents. The aim of the present study is to compare the reimbursement of paid insurance premiums. In this study, social security and health insurance organizations were selected as representatives of basic insurances and Iran, Asia, Day and Bahman insurance companies were selected and examined as representatives of non-basic insurances. The results of the research indicate that it is not possible to refund premiums paid from basic insurance institutions due to legal requirements and compulsions, and the insignificant cases of refunding funds are due to the issuance of definitive opinions issued by authorities or overpayments by insurers. In the case of non-basic insurance companies, due to the existence of competition and less legal requirements than basic insurances, it is more common to return premiums paid to the policyholder. Also, the results show that the time course of refunding insurance funds is usually delayed and in most cases the damage of late payment is not taken into account.

کلیدواژه ها:

comparative comparison ، insured ، insurer ، reimbursement of paid insurance premium