Abstract
The article examines the distinctive quality of subjects acting as parties to the personal insurance contract, considers the problems of differentiation and features of the beneficiary, the policyholder, and the insured person, and reveals the specifics of sports accident insurance. The paper substantiates the need to eliminate the discriminatory component in the field of insurance for persons over 65 years of age engaged in active sports. As a result of the study, aspects requiring more detailed legislative regulation in order to provide personal insurance services to consumers as fully as possible and eliminate possible litigation have been identified. A proposal to legislatively increase the age limit of persons who play sports in case of accident insurance has been made.
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