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TryggingastofnunrkisinstekurekkiYttkostnaWiviWalmennartannlkningarhjYeim r semekkierusjkratryggWirnemamillirkjasamningarkveWiumannaW. e=   II.KAFLI  XtttakaTryggingastofnunarrkisinskostnaWiviWalmennartannlkningar  skv.37.gr.,sbr.36.gr.,lagaumalmannatryggingarnr.117/1993. i  2.gr. \4 GreiWsluYtttaka. ' %#  GreiWslurtilsjkratryggWrasamkvmtYessumkaflaskuluveraYaWhlutfallafgjaldskr  rWherrasemhrsegir:  1.100%:0 a Vegna Yeirrasemerueldrien67ra, erulangsjkirogdveljastsjkrahsum, `  hjkrunarheimilumeWahjkrunarrUmumldrunarstofnunum,sbr.Y;5.gr. S+!  Samagildirumsj;menn60raogeldrisemuppfyllaframangreindskilyrWi."aa 2.100%:0 a VegnaYeirrasemfengiWhafa75%rorkumatskv.12.gr.laganr.117/1993 # umalmannatryggingar,erulangsjkirogdveljastsjkrahsum,hjkr  $ unarheimilumeWahjkrunarrUmumldrunarstofnunum,sbr.Y;5.gr. !W% SamagildirumendurhfingarlfeyrisYega,semuppfyllaframangreindskil J""& yrWi.#'aa  3.  75%:0 a & a Vegnabarnaogunglinga,yngrien18ra.X;skaleinskoWunrigreiddaWfullu #( samkvmtgjaldskrrWherra.EkkierheimiltaWtakaYttkostnaWivegnagull $ ) fyllinga,kr;na,braeWaannarrarsambrilegrarmeWferWar,svosemtannplanta.'a#e(v%N!*aa 4.  75%:0 a VegnaelliogrorkulfeyrisYega semfgreiddatekjutryggingufrTrygg A&"+ ingastofnunrkisins ,sbr.Y;5.gr. '",aa  5.  50%: 0 a VegnaryrkjaogYeirrasemeru67raogeldrisemfekkigreiddatekju '#- tryggingufrTryggingastofnunrkisins,sbr.Y;5.gr. (z$.aa Ї  3.gr. ( byrgWartannlknir.  +  SjkratryggWbrn,yngrien18ra,skuluhafabyrgWartannlknisemannastallaral  mennartannlkningarYeirra.byrgWartannlknirskalkallaYaubrninntilreglulegseftir a litssemskrWeruhjhonumogskrstandtannaogmunnhols. T,   4.gr.  Skorufyllurogtannfyllingar.   W-  TryggingastofnunrkisinstekurYttkostnaWiviWskorufyllurfullorWinsbakjaxlaannarra  X enendajaxla.TryggingastofnunrkisinseraukYessheimiltaWtakaYttkostnaWiviWskoru K #  fyllurannarratannaenfullorWinsbakjaxlaYeirrasjkratryggWueinstaklingasemerusr    stakrihttuvegnatanntu.      TryggingastofnunrkisinstekurekkiYttkostnaWiviWgerWfyllingartnnefminnaen   YrjreruliWinfrYvaWfyllingeWaskorufyllavarsettsamaflttannarinnar. wO    5.gr.    Tanngerviogtannplantar.   z0  TryggingastofnunrkisinstekurYttkostnaWi Yeirrasemfallaundir1.,2.,4.og5. {  tlul.2.gr. vegnasmWigervig;ma(heilg;maeWastlparta)sexrafrestihiWmestaog nF f;WranaYeirraefmeiraenYrjreruliWinfrsmWieWaf;WrunviWkomandigervig;ms. 9 XegarsrstakarstWurkrefjaerheimiltaWveitaundanYgufrYessukvWiaWundangeng  inniums;kn.    Tryggingastofnunrkisinserheimilt,aWundangenginniums;kn,aWtakaYttkostnaWi r  Yeirrasemfallaundir1.,2.,4.og5.tlul.2.gr. viWgerWtveggjagullhettameWeWan e= smellufestingatvrstoWtennursetug;ms.samahtterheimiltaWtakaYttkostnaWi 0 viWsetningutveggjatannplantatilstuWningsheilg;mi;tenntanneWrig;mogalltaWfjg  urratannplanta;tenntanefrig;m,auksmWitannplantag;ma.Tryggingastofnunrkisins  tekurekkiYttkostnaWiviWendurteknaplantameWferW.XegarsrstakarstWurerufyrir i hendierY;heimiltaWveitaundanYgufrYessukvWiaWundangenginniums;kn. \4    TryggingastofnunrkisinserheimiltaWtakaYttkostnaWiYeirrasemfallaundir ' 1.,2.,4.og5.tlul.2.gr.vegnafastratanngervaframanviWt;lfrajaxla.GreiWslu  YtttakamiWastviWYaWhlutfallsemframkemur1.,2.,4.og5.tlul.2.gr.vegna  kostnaWaralltaWkr.80.000hverjualmanaksri,sbr.gjaldskrrWherra.Xanniger `  greiWsluYtttakavegnaeinstaklingssemekkifrtekjutryggingu,sbr.5.tlul.2.gr.,allt S+! aWkr.40.000,greiWsluYtttakavegnaeinstaklingssemfrtekjutryggingu,sbr.4.tlul. " 2.gr.,alltaWkr.60.000ogvegnaeinstaklingssemerlangsjkursjkrahsi,hjkr # unarheimilieWahjkrunarrUmi,sbr.1.og2.tlul.2.gr.,alltaWkr.80.000.  $   &  TryggingastofnunrkisinstekurekkiYttkostnaWiviWendurgerWfastratanngerva !W% efminnaen10r'!q:eruliWinfrYvaWfasttanngervivarsettsmutnneWatannstWi. J""& XegarsrstakarstWurerufyrirhendierY;heimiltaWveitaundanYgufrYessu #' kvWiaWundangenginniums;kn. #(   III.KAFLI v%N!* XtttakaTryggingastofnunarrkisinskostnaWiviWtannlkningarvegna A&"+ alvarlegraafleiWingafWingargalla,sjkd;maogslysa,sbr.c.liW  '", 1.mgr.33.gr.lagaumalmannatryggingarnr.117/1993. '#-  6.gr. (z$. Almennt. ( ;<  TryggingastofnunrkisinsskalveitasjkratryggWumeinstaklingumstyrktilnauWsynlegra  aWgerWahjtannlknivegnaalvarlegraafleiWingameWfddragalla,slysaeWasjkd;ma.    SkjaskalumstyrktilTryggingastofnunarrkisinsWurenmeWferW,nnurenbrWa a meWferW,hefst.UmskjandiskalleggjaframnauWsynlegggnsemsannaaWumafleiWingar T, fWingargalla,slysseWasjkd;mssaWrWa.SamYykktTryggingastofnunarrkisinsum  s;knumstyrkvegnatannlkningagildireittrnemaannaWkomiframkvrWunstofn  unarinnarumb;tagreiWslu.     TryggingastofnunrkisinserheimiltaWtakaYttkostnaWiviWnauWsynlegaendurnUjun  X tannaWgerWa,annarraentannrttinga,semstofnaWhefurveriWtilvegnaalvarlegraafleiWinga K #  fWingargalla,sjkd;maeWaslysasemfallaundirreglugerWYessa,endasendurnUjunar    YrfvegnatakmarkaWsendingartmaviWurkenndraefnaeWaaWferWa.      7.gr. wO  BrnmeWumnnunargreiWslurogandlegaYroskahamlaWir. B  B  TryggingastofnunrkisinsgreiWir90%kostnaWarsamkvmtgjaldskrrWherraviWnauW    synlegaalmennatannlknismeWferWYeirrabarnasemfallaundir1.,2.og3.flokkreglu   gerWarnr.504/1997umfjrhagslegaaWstoWviWframfrendurfatlaWraoglangveikrabarna. {  EkkiYarfaWskjasrstaklegaumstyrkYessumtilvikum,YrttfyrirkvWi2.mgr.6.gr. nF   TryggingastofnunrkisinsgreiWir90%kostnaWarsamkvmtgjaldskrrWherraviWnauW 9 synlegaalmennatannlknismeWferWandlegaYroskahamlaWraeinstaklinga18raogeldri.  WurentilfyrstuendurgreiWslukemurYarfaWskjasrstaklegaumhanaenekkiWrum  tilvikum. r   8.gr. 0 MeWfddirfWingargallarogsjkd;mar.   G  TryggingastofnunrkisinsgreiWir80%kostnaWarsamkvmtgjaldskrrWherraviWnauW  synlegartannlkningar,aWrarentannrttingar,vegnaeftirtalinnatilvika,endasumsannan i legaralvarlegarafleiWingarfWingargallaeWasjkd;maaWrWa: \4 ! ! _ikmo(JT00"i"  iI2JT  1  .3  Ԉ0    MeWfddvntuneinnareWafleirifullorWinstannaframanviWendajaxla.iII݌' Ќ  "i"  iJ2JT  2  .3  Ԉ0    VanskpunfullorWinstannaframanviWt;lfrajaxlasemleiWirtilalvarlegratlitsgalla  eWastarfrnnatruflanatyggingarfra.iJJ݌ Ќ  "i"  i:L2JT  3  .3  Ԉ0    RangstWartennursemlklegarerutilaWvaldaalvarlegumskaWa.i:LgL݌`  Ќ  "i"  i`M2JT  4  .3  Ԉ0    AlvarlegeinkennifrkjlkaliWumeWatyggivWvum.i`MM݌S+! Ќ  "i"  iwN2JT  5  .3  Ԉ0    AlvarlegsUrueyWingglerungsogtannbeinsfullorWinstannaframanviWt;lfrajaxla.iwNN݌" Ќ  "i"  iO2JT  6  .3  Ԉ0    AlvarlegtniWurbrotstoWvefjumtannaeinstaklinga30raogyngri.iOO݌# Ќ  "i"  iP2JT  7  .3  Ԉ0    AlvarlegartannskemmdirsemleiWaafvaranlegamikiWskertrimunnvatnsframleiWslu  $ afvldumgeislameWferWar,Sjgrenssjkd;mseWalyfja.Pr;fmunnvatnsflWierskil !W% yrWifyrirsamYykktums;knar.iPQ݌J""& Ќ  "i"  iR2JT  8  .3  Ԉ0    nnursambrilegalvarlegtilvik.iRR݌#' Ќ    9.gr. $ ) Tannrttingar. v%N!* S  TryggingastofnunrkisinsgreiWir95%kostnaWar,samkvmtgjaldskrrWherrafyrirtann A&"+ rttingar,viWnauWsynlegartannrttingarvegnaeftirtalinnatilvika:  '", ! ! _ikmo(JT00_ikmo"i"  iU2JT  1  .3  Ԉ0    SkarWvreWag;misemvaldiWgeturalvarlegritannskekkju.iUU݌'#- Ќ  "i"  iV2JT  2  .3  Ԉ0    MeWfddvntunfjgurraeWafleirifullorWinstanna,framanviWendajaxla,semekki (z$. verWurbttntannrttingar.iVV݌( Ќ  "i"  i>X2JT  3  .3  Ԉ0    nnursambrilegaalvarlegtilvik,svosemalvarlegtmisrmivextibeinahfuWkpu  ogkjlka.i>XkX݌ Ќ    10.gr. T, Styrkurvegnatannrttinga.  Y  TryggingastofnunrkisinsskalveitastyrkvegnakostnaWarviWtannrttingarbarnaogung  mennavegnaannarratilvikaenumgetur9.gr.,samkvmteftirfarandi,endahafimeWferW   hafistfyrir21rsaldurviWkomandi:  X ! ! _ikmo(JT00_ikmo"i"  i[2JT  1  .3  Ԉ0    EndurgreiWslavegnatannrttingaskalhefjastaWlokinnisetningufastratkja.MeW K #  upphafimeWferWarerttviWYanndagYegarfsttkivorusettfyrrig;m.MeW    orWunumfsttkierttviWrttingabogasemfesturertyllureWabndsemsetthafa    veriWa.m.k.10fullorWinstennurannarsg;ms.i[\݌  Ќ  "i"  iM^2JT  2  .3  Ԉ0    MeWferWtelstlokiWYegarfsttkihafaveriWfjarlgWaftnnumsamkvmtstaWfest wO  ingutannrttingalknisumskjanda.iM^z^݌B  Ќ  "i"  i_2JT  3  .3  Ԉ0    VeitturerstyrkuraWupphWalltaWkr.150.000vegnatannrttingarsemkrefstmeWferW    armeWfstumtkjuma.m.k.annang;m.StyrkurgreiWisteftirfarandihtt,endas   framvsaWreikningumtannrttingalknisvegnaviWkomandimeWferWarsemerujafnhir {  eWahrrienneWangreindarfjrhWir,miWaWviWgjaldskrrWherrafyrirtannrttingar:i__݌nF Ќ  "m"  myb0  0 2JT  a  .3  Ԉ0u  AWhmarkikr.50.000YegarmeWferWerhafinskv.1.tlul.mybb݌9uu Ќ  "m"  mc0  0ww 2JT  b  .3  Ԉ0u  AWhmarkikr.50.000a.m.k.12mnuWumeftirgreiWslu1.hlutastyrkseWaaWmeW  ferWlokinni,skv.2.tlul.,takihnskemmritmaen12mnuWi.mcc݌uu Ќ  "m"  me0  0 2JT  c  .3  Ԉ0u  AWhmarkikr.50.000a.m.k.12mnuWumeftirgreiWslu2.hlutastyrkseWaaWmeW r ferWlokinni,skv.2.tlul.,takihnskemmritmaen24mnuWi.mee݌e=uu Ќ    EkkierveitturstyrkurvegnaendurtekinnarmeWferWarsemWurhefurveriWstyrktaf 0 TryggingastofnunrkisinssamkvmtYessukvWieWaeldrireglumumYtttkuTrygg  ingastofnunarkostnaWiviWtannrttingar.XegarsrstakarstWurerufyrirhendierY;heim  iltaWveitaundanYgufrYessukvWiaWundangenginniums;kn. i   11.gr. ' AlvarlegirslysaatburWir.  2i  TryggingastofnunrkisinsgreiWir80%kostnaWarsamkvmtgjaldskrrWherraviWnauW  synlegartannlkningar,aWrarentannrttingar,vegnasannanlegraalvarlegraafleiWinga `  slysaatburWaYegarbturYriWjaaWila,YarmeWtaliWtryggingaflaga,fstsannanlegaekki S+! greiddarogslysatryggingarsamkvmtlgumumalmannatryggingarbtaekkikostnaWenda " verWislysekkirakiWtilsetningseWast;rkostlegsgleysisumskjanda.Tryggingastofnun # rkisinseraWeinsheimiltaWtakaYttkostnaWivegnatannskaWaafvldumslysasemtil  $ kynnthafaveriWtilstofnunarinnarinnan10rafrYvaWslysttisrstaW. !W%   verkavottorW,gertafYeimtannlknisemsinntiumskjandafyrsteftirslys,skalfylgja J""& ums;knumYtttkuTryggingastofnunarrkisinskostnaWivegnaslysaatburWa. #'   12.gr. $ ) Gildistaka. v%N!* m  ReglugerWYessisemsettermeWstoW3.mgr.33.,lokamlsgrein36.,37.og66.gr.laga A&"+ umalmannatryggingarnr.117/1993,meWsWaribreytingum, WlastYegargildi.Jafnframt  '", fellurrgildireglugerWnr.815/2002umYtttkuTryggingastofnunarrkisinskostn '#- aWiviWtannlkningar.  (z$. Ї  HeilbrigWisogtryggingamlarWuneytinu,xx.xxxxxxx2004. ( o FylgiskjalII. a T,AU?) dE> A^T,  T, FjrmlarWuneyti,  fjrlagaskrifstofa:     Umsgnumfrumvarptillagaumbreytingulgumnr.117/1993, K #  umalmannatryggingar,meWsWaribreytingum.     rq  0frumvarpinuerlgWtilbreyting37.gr.lagaumalmannatryggingarsemkveWurum    aWsjkratryggingargreiWiekkifyrirgullfyllingar,kr;nureWabrUrelliogrorkulfeyrisYega.   LagtertilaWYettakvWiverWifelltniWurennnarireglurumgreiWsluYtttkusjkratrygg wO  ingaverWisettarreglugerW.XgerirfrumvarpiWrWfyriraWaldursviWmiWgreiWsluYtttku B  sjkratryggingafyrirtannlknaYj;nustubarnahkkiogmiWistviWbrnyngrien18ra.Er    YaWsamrmiviWnverandiframkvmd.     MeWfrumvarpinufylgjadrgaWbreytingureglugerWnr.815/2002umYtttkuTrygg {  ingastofnunarrkisinskostnaWiviWtannlkningar.0drgunumergertrWfyriraWstofnunin nF takiYttkostnaWielliogorrkulfeyrisYegavegnafastratanngervaframanviWt;lfrajaxla 9 enY;ekkioftarenmeW10ramillibilismutnneWatannstWi.SkalendurgreiWslanmiW  astaWhmarkiviW80.000kr.hverjualmannaksri.Samkvmt2.gr.fyrrnefndrarreglu  gerWargreiWasjkratryggingar100%afgjaldskrvegnaelliogrorkulfeyrisYegasemeru r langsjkirogdveljastsjkrahsumeWahjkurnarheimilum,75%vegnaelliogrorkulf e= eyrisYegasemnj;tatekjutryggingarog50%vegnaelliogrorkulfeyrisYegasemnj;taekki 0 tekjutryggingar.Rmlega40.000einstaklingareigarttaWskjaumgreiWsluYtttku  YessararYj;nustu.HverhundraWshlutisemleitareftirgreiWsluYtttkusjkratryggingamun  aukatgjldrkissj;Wsum20!24m.kr.miWaWviWhmarksendurgreiWslu.Leiti10%einstak i lingaeftirgreiWsluYtttkusjkratrygginganemaYvtgjldrkissj;Wsum200!240m.kr. \4 ErfitteraWmetahversumargirmunuleitaeftirYj;nustunnienlj;steraWtgjldrkissj;Ws ' getaaukistverulegaviWYessarbreytingar.BeraWhafahuganUlegarbreytingarheil  brigWisrWuneytisreglumumhjlpartki.0YvtilvikireyndisttluverW?uppsfnuWYrf   verafyrirhendiogmgerarWfyrirYvsamatannlkningum.