What is OSGOR?
OSGOR is compulsory insurance of the employer's civil liability for harm to the life and health of an employee in the performance of labour or official duties.
Who is OSGOR intended for?
For employers to whom the obligation of employer's liability insurance applies.
What is the object of insurance?
The property interest of the employer related to their obligation to compensate for harm to the life or health of an employee in the performance of employment duties.
Which employees are taken into account?
The calculation takes into account the categories of personnel: production, administrative and managerial, and auxiliary.
Is OSGOR compulsory?
Yes, this type of insurance is regulated by a special law of the Kyrgyz Republic.
What does the cost of OSGOR depend on?
On the sum insured and the insurance tariff. Tariffs are differentiated by type of economic activity, class of professional risk, and category of personnel.
How is the sum insured determined?
It is established by the contract and must not be less than the annual wage fund of employees by categories of personnel.
For what term is the contract concluded?
As a rule, for 12 months. If the employer's activity is for less than 12 months, the contract is concluded for the period of such activity.
Can the insurance premium be paid in instalments?
The law allows for a lump-sum payment or instalments in the manner and within the time limits provided for by the contract.
What is considered an insured event?
The occurrence of the employer's civil liability to compensate for harm to the life or health of an employee in the performance of labour or official duties.
Does OSGOR cover an employee's injury?
If the injury is connected with an insured event provided for by legislation and the performance of employment duties, it may be grounds for insurance compensation.
Does OSGOR cover occupational disease?
Occupational disease is considered by legislation as a disease caused by exposure to harmful or dangerous production factors in connection with the performance of employment duties.
What happens in the event of an employee's death?
The law provides for insurance compensation for harm related to the death of an employee, within the limits of the established sum insured and in accordance with the established procedure.
How to report an insured event?
The employer is obliged to notify the insurer immediately, but no later than three working days from the moment they became aware of the insured event.
Who can apply for payment?
The policyholder or the person who is the beneficiary, in writing with the necessary documents.
What documents are needed for payment?
The law establishes a list of documents, including the insurance policy, documents on the insured event and the amount of harm, medical documents, and in the event of death — documents on death and the right to compensation.
Is there a payment deadline?
For certain additional expenses, the law establishes payment within seven working days from the day of providing documents confirming the expenses incurred. The procedure for other payments depends on the mechanism provided for by law and the specific insured event.
These 7 working days should not be transferred to all types of payments as a general deadline.
Does the contract terminate after the first insured event?
No. The law expressly provides that the contract is valid during the insurance period and does not terminate with the first insured event that occurs.
What if the contract has already expired, but the insured event occurred during its validity?
Termination of the contract does not release the insurer from the obligation to make insurance compensation for insured events that occurred during the period of the contract.
Can the insurer refuse payment?
Full or partial refusal is possible in cases provided for by legislation and the insurance contract.
Can the employer choose an insurance company?
Yes. The law provides for the policyholder's right to choose an insurer for concluding an OSGOR contract.
Where can OSGOR be taken out?
To calculate the terms and conclude the contract, you can contact the Closed Joint-Stock Insurance Company "Arsenal-Kyrgyzstan".
The specialists of the Closed Joint-Stock Insurance Company "ARSENAL-KYRGYZSTAN" are ready to advise you on any questions
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