Gore negore, kukura pamusika inishuwarenzi yokuRussia iri kuwedzera. Izvi hazvishamisi, nokuti inishuwarenzi ndiyo anongoda bedzi nzira kutsigira nemari pachavo uye dzavo kana zvashata. Chimwe chezvinhu dzakakurumbira siyana rutsigiro kwakadaro - inishuwarenzi tsaona.

Patrimony

Izvi rworudzi inishuwarenzi chose zvakadzika midzi, asi kana kunyanya achinyatsotaurira munhau, tinogona kutaura kuti ayo chitarisiko hwakabatana nezvaidiwa mugungwa mutemo Visby, yakanyorwa muna 1541 mu UK. Rinoti muridzi seagoing chikepe, vakabhadhara chikwata vanosungirwa inishuwarenzi upenyu uye utano romutungamiriri netsaona zvinobvira.

Atova XVII remakore, chaiyo pamwero nokuda varwi-vazvipiri yambokurukurwa muNetherlands, maererano yavakanga kodzero siyana mubhadharo zvichienderana rwakadini zvinokuvadza. Munguva XVIII uye XIX emakore, inishuwarenzi tsaona zvakare kupararira muGermany uye England, apo akatanga kuumba inonzi yakawiriranwa rubatsiro neshamwari.

In Russia iri mhando inishuwarenzi yasvika panguva pakutanga XX remakore, pamwe kuitwa muna 1903 mutemo, izvo kwakagonesa vashandi yemigodhi indasitiri uye vashandi kuti mafekitari siyana, uyewo nhengo dzavo vanogamuchira mari muripo iri chiitiko yokuremara kana rufu kumabasa. Kwenguva refu, inishuwarenzi tsaona chikamu inishuwarenzi youpenyu uye chete nguva, pashure anenge makore zana, zvakava yakazvimirira.

zvinhu pfungwa

Kune mhando dzakawanda inishuwarenzi tsaona, asi vanogona huviri pakufara mumapoka: fanira (nebumbiro mutemo) inishuwarenzi vamwe Mapato vemunyika uye nokuzvidira - randinogara kuwana kondirakiti nezvirango vashanduri zvinobatsira. Muchiitiko chokutanga, kuti contractual mubhadharo anobata inishuwarenzi Fund pamusoro tsaona, uye njodzi mari wechipiri zvinotora pamusoro kambani inishuwarenzi. Chero zvazvingava, chinangwa inishuwarenzi ndiyo pfuma zvido vagari chokuita akaremara, kukuvara kana rufu mutsaona.

Tsaona anogona kunzi ezvinhu umo kwokunze migumisiro iri muviri insured vakangoerekana vatsamwirana uye zvisingatarisirwi. Chinokosha pano ndiyo zvinhu zvaanga, sezvinonzi munhu anoziva kutanga nemigumisiro uye havana kuvatadzisa, kunyanya vari muripo inishuwarenzi ucharambwa. Somuenzaniso, kana uri Skiing, apingirishwa padombo uye akaputsa mumwe gumbo, zvaizova tsaona, asi kana zvakaipa kupiswa pashure pokupedza maawa mashoma pamahombekombe - ndicho dambudziko rako, nekuti muri kuziva vangangodaro nemigumisiro, uye chero nguva aigona kumira mugumisiro kuparadza hunhu.

rwakadini kuita

Sezvo mamiriro inishuwarenzi yainyatsotaura zvakajeka muna chibvumirano, uwandu kuita isingaswederi pachedu kukuvara somugumisiro zvisingafanoonekwi zvokunze simba, kureva inishuwarenzi tsaona yacho, kuti ndizvo zvinodiwa chibvumirano waiti. Kusiyana migumisiro ezvinhu akadaro kunogona kukamurwa 3 pakufara mumapoka:

• kwenguva pfupi disablement;
• Mienzaniso kana zvachose urema;
• rufu.

Vose migumisiro izvi kuti pabutiro inishuwarenzi uye kunogona kushandiswa chibvumirano pamwe yoga (somuenzaniso, kubhadhara dzinoitwa chete okutambirwa kuremara) kana uwandu siyana.

Rokumanikidzirwa inishuwarenzi muna Russian Federation

Vamwe Mapato vemunyika Russian, zvichienderana kutsanangurwa basa, zvinopa munzanga inishuwarenzi pamusoro tsaona, nokudzorwa Federal Law nhamba 125 yomusi July 24, 1998. Action ine inishuwarenzi mhando iyi achingopiwa vakuvadzwe kurwara chokuita kukuvara kukuvara zvakananga kubasa kana kunze zvebhizimisi, asi panguva kushanda maawa (uyewo munzira kuenda kubasa uye kumba). The peculiarity kwaiita inishuwarenzi ndechokuti unobereka chete mushandirwi kubhadhara.

Munguva ichangopfuura, imwe inishuwarenzi rokumanikidzirwa ingasanganisira utano inishuwarenzi kutakura kushandisa kuminamato mhando dzose mvura, mhepo uye nenyika zvifambiso. Kwechinguva inishuwarenzi yakadaro chakatsiva kudiwa akaendesa inishuwarenzi kuita.

inishuwarenzi Special kurwa

Izvi mhando inishuwarenzi rokumanikidzirwa inodzivirira vagari vane basa nenyanzvi pakutanga chokuita ngozi kuupenyu. Ndivo vashandi Ushumiri yokukurumidzira ezvinhu, vechiuto, vashandi kununura, vashandi of Interior Ushumiri nezvakatongwa uye mutero hurongwa, uye vamwe. Financial ngozi nhau kuti inishuwarenzi yakadaro inopiwa yokureva batana bhajeti.

Saka, chii anovimbisa uto inishuwarenzi pamusoro tsaona yacho (Federal Mutemo № 52 yomusi 28.03.1998):

• pachako Kukuvara, - 5 mari;
• kwazvo Kukuvara (kunotevera, kukuvara) - 10 muhoro;
• pachako zvinokuvadza (nezvinokuvadza) kwakaguma kutanga vakaremara boka III. - 25 mari;
• kugadzwa vakaremara Group II. - 50 mari;
• urema I t. - 75 pamwedzi mari;
• pachako Kukuvara, izvo zvakaita kuti rufu insured, anovimbisa 25 pamwedzi mari nechimwe munhu anoyamurika.

Podstrahuemsya mberi

Kana iwe anoshandiswa kuzvitarisira uye vadiwa vavo pachavo, iwe uchava kuswedera nechibvumirano pakati inishuwarenzi pamusoro netsaona, akagumisa pamusoro chokuzvidira hwaro. The chikuru chinoratidza chibvumirano ichi ndechokuti unogona kusarudza pamazita ngozi uchida inishuwarenzi, uyewo mari uye izwi inishuwarenzi.

Rwokusarudza yako inogona akapa mutemo kwamazuva mashoma (somuenzaniso, kana iwe vachaisa mumakomo) kana kusarudza nhau kuti zvachose vose njodzi yako kumativi wachi kwemakore - zvose zvinoenderana sei guru mipiro unogona kuuya.

musika inishuwarenzi All yokuzvidira unogona kukamurwa 2 mapoka - nomumwe uye seboka. Ndezvipi zvakasiyana?

Man ose Kuzviitira

tsaona inishuwarenzi nomumwe kunosanganisira chibvumirano dzinongoitika vanhu, uye chiito yaro iyi anofukidza zvose insured uye nhengo dzemhuri yake (panyaya insured rufu). Kungava kwakakwana kana kukwana.

Muchiitiko chokutanga kondirakiti garandi unoshanda achiati zvose woupenyu insured (zvose private uye nyanzvi) yose upenyu chesungano. Kana inishuwarenzi zvishomanana, unogona mosarudza nguva muupenyu hwako, panguva yezororo kana bhizimisi rwendo, kwenguva zvemitambo uye zvichingodaro.

Uyewo inishuwarenzi tsaona inogona zvaisanganisira sezvo nemamwe ari pasuru kungotaurwa kupfuura misoro mazita mabasa.

inishuwarenzi boka

Zvikuru nevakawanda nhasi uye rava seboka inishuwarenzi revashandi pamusoro netsaona, zvakadai nezvechisarudzo ikozvino kupa kuwedzera evanhu pasuru, makambani makuru akawanda. The peculiarity kwaiita inishuwarenzi ndechokuti insured mune iyi ndiyo mushandirwi uye munhu anoyamurika - the insured munhu kana nhengo dzemhuri yake.

In apfuura, seboka inishuwarenzi muna Russian Federation rava mukurumbira kwazvo kwakakurumbira nokuda peculiarities mitemo iri mutero nharaunda, iyo akavimbisa mukana kudzokera kuna premiums , uye mutero kurapwa zvaunoda vachibhadhara inishuwarenzi. Pari, mutero hurumende munzvimbo iyi akasungirirwa zvakasimba, zvichiita inishuwarenzi seboka zvishoma rikwezve vashandirwi.

Chii chaigona kuva chiitiko inishuwarenzi

Sezvo kubhadhara pasi chibvumirano tsaona inishuwarenzi zvakazara kana zvishoma akaita pashure panowanikwa imwe chiitiko inomira chete vanogara chii chinonzi nyaya inishuwarenzi. Zviitiko kuzivikanwa, nezvaro chibvumirano uye kwakaitika munguva ukoshi hwayo, izvo zvakaita kuti rufu insured munhu kana kukwana kana kwakakwana nokurasikirwa kugona kwavo kushanda.

Idzi dzinosanganisira:

• zvinokuvadza (nezvinokuvadza) vakawana nokuda tsaona;
• vanhuwo chepfu kwemakemikari zvinhu, chepfu zvirimwa, zvinodhaka, chenhando zvokudya (kunze toxicological Zvirwere - nemanyoka, salmonellosis, etc ...);
• kungoerekana kurwara ne poriyo, tick nezvipembenene encephalitis;
• ectopic pamuviri kana pakusununguka zvokurwara kwakazokonzera kubviswa dzomunyika sikarudzi (ovaries, dumbu, fallopian sepombi);
• sprains, mitswe, kutsva, kunotevera uye misodzi zvomukati kuti kwakaitika netsaona, uyewo zviitiko nokubviswa zvomukati somugumisiro yakakanganiswa kurapwa;
• Netsaona zviitiko kufema turakiti wokumwe miviri, anaphylactic kuvhunduka, unonyura;
• hypothermia, izvo zvaiva nemigumisiro yakaipa (kunze rufu nechando);
• pokufa insured zvikonzero pamusoro apa zvakaitika panguva izwi chesungano.

Chii inishuwarenzi regai kupa

Panewo mazita zviitiko, panowanikwa risingagoni sechinhu chiitiko insured:

• kana zvinokuvadza (kunotevera) kunge kunoitwa insured panguva basa nomutemo mabasa;
• apo Kukuvara vakanga akuvadzwa ndeimwewo kubudikidza insured pachake;
• chepfu kana kukuvadzwa avapo somugumisiro kuedza kuzviuraya;
• kana kukuvara, kunotevera uye kukuvara avapo nokudzora chero motokari ari mushonga, chepfu kana doro, uyewo nyaya kudzora kuchinjirwa kune mumwe munhu vagumirwe;
• kana nemigumisiro pamusoro muviri kwakaitika somugumisiro chokudzivirira, chirwere kana kuti yokurapwa matanho ichiitwa nokutanga ari insured uye haina chokuita pakurapa chirwere anobudiswa sezvo pamusana insured chiitiko;
• rufu somugumisiro pamusoro zvikonzero.

Imarii

Chimwe chezvinhu zvinokosha nyaya hanya kuti vagari vanoda kudzivirira mberi hwavo uye utano, ndiye mubvunzo sei zvakawanda inishuwarenzi pamusoro tsaona. Fares pano vari zvakananga novimba ndandanda inishuwarenzi nezvezvinotaura yagadzirwa chibvumirano uye kuzivikanwa insurer. The Range zvayakafara kwazvo - kubva 0,10%, kana insured chete ngozi rufu, kusvikira 12-15% nokuda chakarondedzera mitemo.

By chitsama inishuwarenzi shoma kunogona kukanganisa:

• pabonde uye zera of insured - zvinofungidzirwa kuti vanhu dzine mukana kukuvara, uye vagari zvikuru pokukwegura vakawanda havadi inishuwarenzi;
• Mararamiro - mukangoda yokunyanyisa marudzi zororo kana muviri, inobatanidzwa zvakawedzera yaizoitika;
• basa - chii ngozi zvikuru, ari kumusoro ari mutero;
• mamiriro hutano yeGmail.END_STRONG - kana vanotambura nezvirwere zvakakomba, mwero zvikawanda;
• uwandu insurable njodzi - zvakanyanya, zvikuru dzinodhura;
• upenyu inishuwarenzi uye uwandu insured vanhu - policies mhuri vanowanzova isingadhuri wacho;
• zvimwe zvinhu - zvichienderana kambani yacho inishuwarenzi wokuti.

Frequency vachibhadhara sezvairayirwa ari chibvumirano - mipiro zvinogona kuitwa kuraswa, negore, pamwedzi kana Quarterly. Inishuwarenzi Makambani nhasi vanopa zvikuru zvakawanda zvirongwa tariffs, saka kuwana kodzero hakusi nyore.