TENDINȚELE INTERNAȚIONALE ALE ASIGURĂRILOR MUTUALE
INTERNATIONAL MUTUAL INSURANCE TRENDS

Summary/Abstract: Mutual insurance is a specific organizational form of insurance activity. The main source of its financing is the contributions of the participants to the mutual insurance companies. The basis of these insurances is an agreement among a group of natural and legal persons regarding the coverage of losses resulting from insurance cases from the account of the insurance fund. In mutual insurance, each insured person is simultaneously a member of the group of founders (or of the insurance company), combining his material resources with the resources of others who have a similar intention in relation to his own property interests. At present, once mutual insurance has developed in a large number of countries, a related global industry is being examined that has demonstrated its effectiveness in a number of specific branch areas. The purpose of this article is to reflect on the basic aspects and trends of the development of mutual insurance at the international level. The study of the topic was based on the examination of analytical reports of the institutions involved, articles by experts and scientific researchers. As a result of the investigation, the essence and characteristics of mutual insurance were determined, as were their global and regional trends, which are reflected in this article.

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