تغطية المخاطر الشخصية دراسة مقارنة بين التأمينات الأجتماعية والتجارية في السودان

Abstract

Abstract This research tackles the personal risks subject represented in the senility, death and the health and professional inability which lead to the income decrease or loss». The researcher deals with the protection means from those risks represented in the coverage provided by the National Fund For Social Insurances and The Solidarity (Altakaful) Administration_ in Shikan For Insurance & Reinsurance Company. Also this study targets to know the types of the personal risks, the available coverage in the two systems, the delivered benefits, subscription cost and the measurement of the feasibility of every system. . The researcher used the scientific descriptive and analytical methodology, through the data collection and its analysis for the two systems and its comparison. This study is divided into six chapters. Whereas, Chapter One deals with the concept of the risk, insurance and the individuals insurance. In the Second Chapter he discusses the social insurance. The Third Chapter devoted to the personal incidents, their types and their documents in the commercial insurances. Chapter Four treats the applied aspects in the individuals insurances applied in Sudan in the different solidarity forms. And also made a comparison between the two systems in Chapter Five. Then the study concluded by a questionnaire for the beneficiaries from the solidarity and the social insurance services in the private sector and reached the result of which the most important are: " ’ The social insurance subscription installment is greater than the solidarity subscription installment, and it affects the person "tmder research. Also the solidarity system does not provide pensions when the

risk occurs, but it delivers a compensation all at once. There is also a deficiency in enlighternnent of the subscribers with covered risks, and the due merits in the two systems. From the most important recommendations are; the expansion of the coverage domain in the two systems, and the linkage of the compulsory social insurance systems with the Civil roll. '