Ministry of Finance considers adequate to pay for the harm a person's life at a rate of 2-3 million rubles.

In case of revision of approaches to the definition in the law of sums insured for damage to human life, could enter the limits of 2-3 million rubles. for each victim. By the conclusion reached by the Ministry of Finance on the analysis of different approaches to determining the value of human life. Told about this at a meeting of the Expert Council on the Law of Insurance of the State Duma Financial Markets deputy director of the Financial Policy Department, Ministry of Finance of Faith Balakirev. According to her, the Ministry of economists have considered several approaches to determining the appropriate size of insurance payments for damage to human life, taking into account, inter alia, the social situation of the victim, his age, sex, income level, availability and composition of the family, the cause of death and many other factors. One of the approaches examined MOF is based on determining the average payment for injury of life, calculated from the current level of state benefits or amounts determined in the course of litigation. By this method, the average payment was about 200 thousand rubles. And, in rare cases - 1 million and 3 million rubles., Said Vera Balakirev. This payment, which were produced by a plane crash, terrorist attacks, accidents at mines, Emergencies, etc. This approach can be taken into account, but for insurance purposes the amount is insufficient, had considered the ministry. Based on the economic theory of human capital, cost of living in Russia is estimated at 3-3,5 mln. In the UK - a 1.5 million pounds in the U.S. - about $ 3 million scientists who conducted the research value of human life in order MES, found that, depending on the amount of reimbursable expenses, this value can vary from 1.5 to 15 million rubles. Their proposed guidelines for insurance purposes - 10.7 million rubles., Said Vera Balakirev. According to results of opinion polls, the Russians themselves evaluate their lives in an average of 3-3,5 mln. While men value life above - 5 mln., Women below - 2,5 million rubles. Cheaper to evaluate the lives of youth and the elderly - in the 1-2 million rubles. Under current legislation there is no common approach to determining the size of insurance payments for damage caused to human life, said Vera Balakirev. Thus, according to the law on compulsory motor TPL insurance amount equal to 160 thousand rubles. In accordance with the Air Code - 2 mln. And the payment of compulsory insurance of military personnel are tied to the size of their salaries. According to the Ministry of Finance, to review existing legislation could raise the question of unification of insured amounts and setting them at a rate of 2-3 million rubles. In the case of such a decision at the same time it would take to revise tariffs. In addition, had to be estimated the social component of each type of insurance and the willingness of society to change the value of the policy, underscored Vera Balakirev. Based on the Ministry of Finance data advisory council has decided to prepare recommendations for determining the sum insured for damage to human life. Subsequently, they planned to send to the ministries, departments and the State Duma deputies for possible use in legislation.