2. Answer the following questions.

1. What must be compensated in case of causing harm to life or health of the injured? 2. Enumerate the additional expenses caused by harm to health. 3. In what case can the injured get these kinds of aid? 4. Do the injured always get such kinds of aid in our country? Have you ever been the witness of such situations? If you were, tell about them. 5. What kinds of documents must be presented in case of demand for the compensation of the injured lost income? 6. Is it easy to get such documents in our country? (WHY?) 7. In which establishments can people get such documents?

3. Give the Russian equivalents.

Lost income, average monthly earnings, additional expenses, disability period, percentage, expenses for treatment, application for insurance payment, purchase of medicines, secondary care, health resort treatment, the loss of bread-winner, permanent alimony, scholarship, civil legislation, juvenile children, additional nursing, insurance event, social agency, local government, employment service, relatives.

4. Give the English equivalents.

В случае причинения вреда жизни или здоровью потерпевшего, потерянный заработок, дополнительные расходы, протезирование, санаторно-курортное лечение, покупка специальных транспортных средств, кроме моих документов, в случае требования компенсации утраченного заработка, медицинское заключение, заключение медико-социальной экспертизы, пенсия, период нетрудоспособности, средний месячный заработок, заключение судебно-медицинской экспертизы, потеря кормильца, перечисление членов семьи, алименты, несовершеннолетние дети, страховой случай, заключение, дополнительный уход, орган социального обеспечения, орган местного самоуправления, родственники, служба занятости.

1. Vocabulary to be remembered:

Expenses for ceremonial services and funeral	расходы на ритуальные услуги и похороны
Victim	жертва
Medical conclusion	медицинское заключение
Other authorized agencies	другие вышеупомянутые органы
Daily additional food package	суточный набор дополнительного питания
In amount	в размере
Assurer	страховщик
Professional training	профессиональное обучение
To make partial insurance payment	производить частичную страховую выплату
Social maintenance	социальное обеспечение
Expenses for ceremonial services and funeral	расходы на ритуальные услуги и похороны

2. Read the text attentively and be ready to answer the questions after it.

Harm caused to persons as a result of breadwinner's death and payments.

Harm caused to persons as a result of breadwinner's death is as a rule compensated by way of regular payments (rent), but by the agreement with above mentioned persons insurance payments can be paid once for the whole period of assurer's fulfilment of obligations before these persons.

1. Demanding compensation for funeral of dead the following documents are presented:

a) death certificate;

b) documents proving expenses for ceremonial services and funeral.

2. Demanding compensation of additional expenses for treatment and purchase of medicines on free reception of which the victim doesn't have a right (including beyond basic programme of obligatory medical insurance) the following documents are presented:

a) case record, presented by medical establishment;

b) documents, proving payment of medical services;

c) documents, proving purchase of medicines.

3. Demanding compensation additional expenses caused by health damage (except expenses for treatment and purchase of medicines), medical conclusion, conclusion of medical - social or legal medical expertise about necessity of additional food, prosthetic repair, additional nursing, health resort treatment, special transport means are provided and also:

a) demanding compensation of expenses for additional food:

• statement from local government and other authorized agencies about the prices for products present in daily additional food package at this region;

• statement from medical establishment about the composition of daily additional food package necessary for the victim;

• documents, proving purchase of products from additional food package. Expenses for additional food are included into the insurance payment in amount not more than 3 % of insurance sum;

b) demanding compensation of expenses for prosthetic repair the documents proving payment for prosthetic repair services are provided;

c) demanding compensation of expenses for additional nursing the documents

Expenses for additional nursing are included into the insurance payment in amount not more than 10 % of insurance sum;

d) demanding compensation of expenses for health resort treatment the following documents are provided:

• case record, provided by establishment where health resort treatment was realized;

• pass to health resort treatment;

• documents, proving payment for pass to health resort treatment;

e) demanding compensation of expenses for purchase of special transport means the following documents are provided:

• passport copy of transport means or certificate of its registration;

• documents, proving purchase of special transport means;

• contract, according to which special transport means is purchased;

f) demanding compensation of expenses for victim's professional training the following documents are provided:

• expense account for professional training;

• copy of the contract with organization providing professional training (retraining);

• document, proving payment for professional training (retraining).

3. Assurer has a right by agreement with victim to make partial insurance payment according to the documents of provided medical services, necessity of providing which was caused by insurance event or to pay these services directly to medical establishment provided them.

5. Insurance sum payment for harm caused to victim's life or health is realized despite the sums payable to him/her according to social maintenance and obligatory or free insurance treaties.

6. State social insurance agencies and insurance medical organizations don't have a right to present recourse against assurer, realizing obligatory insurance.