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LAW OF THE REPUBLIC OF TAJIKISTAN

of August 5, 2009 No. 540

About mutual insurance

(as amended on 08-01-2025)

This Law governs the public relations connected with implementation of mutual insurance and establishes the legal basis of activities of societies of mutual insurance.

Article 1. Basic concepts

In this Law the following basic concepts are used:

- mutual insurance - one of insurance forms in case of which each participant of insurance at the same time is insurer and the insurer;

- society of mutual insurance (further - society) the non-profit insurance company created on the basis of voluntary membership taking into account provisions of this Law;

- body of insurance supervision – the National Bank of Tajikistan performing functions on regulation and supervision in the field of insurance activity;

- the beneficiary - person specified in the insurance contract for benefit of which insurance is concluded;

- the membership fees - the money, securities, other property or property rights having cash value which are translated or transferred by physical persons and legal entities for the accession to society;

- insurance premiums - the money paid by members of society for implementation of mutual insurance;

- additional contributions - the money paid by members of society in, the purposes of compensation of damage caused to society.

Article 2. Legislation of the Republic of Tajikistan on mutual insurance

The legislation of the Republic of Tajikistan on mutual insurance is based on the Constitution of the Republic of Tajikistan and consists of the Civil code of the Republic of Tajikistan, this Law, other regulatory legal acts of the Republic of Tajikistan, and also the international legal acts recognized by Tajikistan.

Article 3. Principles of mutual insurance

Mutual insurance is performed on the basis of the following principles:

- community of valuable interests of members of society;

- equal rights and obligations of members of society;

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