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On March 18, President of Belarus Alexander Lukashenko signed Decree No. 108 "On Insurance". The document aligns certain legislative acts with the Law "On Insurance Activities", which came into force on January 1, 2025, the press service of the head of state informed BELTA.
In particular, a number of decrees (and their individual structural elements) whose provisions are reflected in the law are recognized as invalid. The terminology used in legal acts, including in related legislation (tax, currency, banking, road traffic), is adjusted for consistency with the provisions of the law.
Among the innovations of the decree is the provision of an opportunity to pay insurance premiums (make payments) in non-cash form using modern payment instruments; the establishment of insurance sums and insurance premium amounts in basic units (previously in euros) for mandatory insurance of vehicle owners, and medical insurance for temporarily staying foreign citizens.
In addition, the contract for mandatory insurance of civil liability of vehicle owners is supplemented by the Union insurance contract operating in Belarus and Russia.
The procedure for insurance payments to victims of road traffic accidents in cases where the carrier has not concluded a mandatory liability insurance contract with the passenger and it is impossible to recover damages through court is determined. In cases of payments to drivers at the expense of guarantee funds, harm to life or health as a result of an accident involving wild animals, regardless of the driver's fault, has been added.
The decree provides for the possibility of making insurance indemnity payments to a non-resident in foreign currency under a contract for insurance of a resident's civil liability under an export contract.
For mandatory insurance against industrial accidents and occupational diseases, the maximum amounts that can be recovered by "Belgosstrakh" from those guilty of causing harm to insured persons in lieu of the insurance benefits paid to them are established (in case of intentional harm - 2 thousand basic units, unintentional - 500). The conditions for the policyholder to receive installment payments for overdue insurance premiums, fines, and penalties have been simplified.
The decree also introduces a number of restrictions on the activities of insurance intermediaries.