Inishuwarenzi kutarisira muna Russian Federation

Inishuwarenzi - iri chibvumirano chepamutemo. It insurer inozviita kutora pangozi Ukuwo - the insured. All pamutemo hukama pakati insurer uye insured inofanira muMagwaro muchimiro chibvumirano.

Kuti tive nechokwadi chokuti yeGmail.END_STRONG apo insured chiitiko pachiyero, pane chinokosha mamiriro kutarisira pamusoro nokushanda makambani ose inishuwarenzi. Uye ndiye mugumo uyu mabasa inishuwarenzi anofanira marezenisi. Chii, chokwadi, inishuwarenzi cherechedzo, uye chii vari mabasa ayo?

Inishuwarenzi Rinotungamirira muRussia

Inishuwarenzi sangano anotora ngozi raanotaura chibvumirano, pasi zvimwe zvinhu uye kuti muripo. Kuti arege kuenda kusauka, kambani ose anofanira kuva kurovedzera - avo vanoshanda ngaaverenge mukana wokuti chiitiko. Actuaries zvinofanira vanokodzera.

Zveminda kutenga policies inishuwarenzi anofanira kufukidza mari kune sangano rakanga mberi solvent uye kuita mabasa ayo ari upfumi. Uyezve, dzimwe mhando inishuwarenzi kuRussia zvinodiwa. Somuenzaniso, inishuwarenzi notarial tsika.

Insurers, kutenga mitemo, zvakazara kudzivirirwa pamigumisiro zvichibvira njodzi. masangano inishuwarenzi Worldwide kuunganidza inokosha mari. Uye kuzadziswa yavo sungiro zvakakodzera kuita pedyo achitarisirwa.

Kana mutengi haagamuchiri muripo nazvo kana anopiwa mari duku pane unotaurwa muna chibvumirano, kuti kutendeseka masangano aya kunyangarika.

Ndiani rinotarisira Makambani inishuwarenzi?

In yezwi pamusika upfumi iri utsinye 90 apo kuzodzosera kuvaka hurumende mamiriro, mashandiro kutarisira pamusoro nevaari inishuwarenzi uye masangano inishuwarenzi private kubvira 1996 vakashumira Rinotungamirira Department pasi Bazi Finance. Kubvira 2004, masimba ose cherechedzo zvaitambidzwa Federal Service of Bazi Finance.

Muna 2011, FSIS akabvisa. FSIS mabasa kwakaitwa FS zenze. Misika uye Bank of Russia. Panguva ino (kubvira 2013) Mabasa izvi zvose nokuda insurers cherechedzo kuteererwa Department of inishuwarenzi pamusika of Central Bank of Russian Federation.

Mitemo yokudzora inishuwarenzi uye penhungamiro bhizimisi inishuwarenzi

Sezvo nokudzorwa inishuwarenzi? Inishuwarenzi kutarisira muna Russian Federation hunobva gl.48 Part 2 of Civil Code. Licensing kuitwa pasi ezvinhu anosimbisa kuti № 02-02 / 08. A inishuwarenzi utano pasi "On Health Insurance" Mutemo 06.29.91.

inishuwarenzi cherechedzo basa

Inishuwarenzi kutarisira muna Russian Federation yose hurongwa anoita zvinotevera zvinokosha mabasa:

• The Department monitors zvaidiwa mitemo inishuwarenzi.
• Anoitisa advertising Actuaries.
• Nyaya kana anosarudza rezinesi.
• Kupa rakabatana mamiriro nehurumende.
• Standard-kuisa basa.
• Kuzvidzora vanotongwa mubhizimisi inishuwarenzi. Kudzivisa kusauka kwavo.

Chokwadi, mumwe mukuru anoitwa kudzivirira kodzero inishuwarenzi. The Department anopawo nesangano inishuwarenzi mvumo kuwedzera mugove guru kana mvumo kuvhura bazi iri Russian sangano nezvavatorwa inivhesitimendi.

Uyewo, inokosha ndiko kudzora mamiriro musika inishuwarenzi, kuitira kudzivisa mumwe ndiye ari pamusika uyu. Antimonopoly Committee uyewo nguva dzose monitors ari insurers.

Principles Inishuwarenzi Rinotungamirira

The supervisory simba hunopiwa nemamwe masimba. Ari chaizvo kodzero vanoitisa odhita pamusoro administrative uye kuranga vaya mutoro kana kuti kutanga nyaya mudare. Asi supervisory simba kuri pasi dzimwe nheyo, sezvazvakaita zvakare mukati wenharaunda yaitongwa chacho.

Inishuwarenzi cherechedzo rinoitwa anotevera nhungamiro:

1. Kwemitemo. Kutsunga nehurumende inozviisa nemitemo vose vehurumende uye machinda ose.
2. kubatana kwesangano. Uye spatial kuparadzana uye nechepakati chiito integrally.
3. Publicity. The musimboti zvinoreva kuti mashoko ose pamusoro mabasa Department aripo munzvimbo soumambo. Zvinonzi rakabudiswa paIndaneti nokuda voruzhinji, saka kuti munhu wese ari mashoko. Uyezve, kambani imwe inishuwarenzi kungoti ane kupa voruzhinji kuti kuongorora kwavo makwikwi zvemari unongotaura. Chokwadi mashoko pamusoro dzemari kambani yacho inishuwarenzi kuchabatsira dzokumabvazuva pakusarudzwa ari insured, kana haasati yakasarudza pazvinhu kambani zviri nani kuenda.

Saka, Dhipatimendi anogona kuongorora basa inishuwarenzi kuRussia uye kuva nechokwadi chokuti masangano zvose pasi rimwe nomutemo uye insurers makadzikama, pasina kuzvidya mwoyo paakapiwa.

Chinangwa inishuwarenzi cherechedzo muRussia

Hurumende uye huru pamusika vatambi vanofanira "kunzwa" mumwe uye kushanda pamwe chete. Zviri zvido mativi. Naizvozvo, inishuwarenzi cherechedzo dhipatimendi kunosanganisira kuisa zvinotevera zvinangwa:

• Nezvekugadzirwa mubereko yemakambani vatengi mabasa inishuwarenzi.
• Humwe kuvaka voruzhinji dzokutarisira hurongwa
• Nechokwadi Implementation mutoro pakati insurer kuti ape mari
• Nezvekugadzirwa musika kwezvivako inishuwarenzi.
• Preparation yevashandi matsva.
• Kusika zvinhu kuti mari iri zvekutepfenyura inishuwarenzi.

All of kuzvidzora matanho kuti kutorwa Russian inishuwarenzi cherechedzo yacho, inobatsira kuti kukura musika inishuwarenzi.

Zvinofanira kucherechedzwa kuti kuzvidzora uye waidzora mabasa makambani vavatorwa makambani ane chikuru mugove vanorumwe guta. The inishuwarenzi Indasitiri muna Russian Federation inofanira yakabudirira, uye nokudaro, fiscal mutemo inofanira zvakavandudzika Makambani inishuwarenzi.

Sei pokudzora mabasa inishuwarenzi?

The Department kuti musika inishuwarenzi kuburikidza pakagadzwa mirau vadzore aurayiwe yavo.

Inishuwarenzi Rinotungamirira muRussia kungakanganisa mumusika nenzira dzinotevera:

• Rinotsanangura dzimwe nyaya dziri mutoro pakati supervisory simba;
• Zvinopa Mashoko chete mazita masangano inishuwarenzi kana kunyoresa shamwari siyana masangano inishuwarenzi;
• anoita pamusoro kudzorwa rezinesi kuti kwebasa inishuwarenzi;
• anoita kuti achinje rezinesi.

Cherechedzo nechinangwa zvikurukuru pane kukura dzemabhizimisi inishuwarenzi, voitakura kunze kwete nechinangwa yokudzidzivirira. Naizvozvo, kutonga iri kuitwa zvido vatengi, uye nesangano inishuwarenzi vakawanda.

Mabasa mapato maererano mitemo Russian Federation

Nokuti kutyora ezvinhu zvinorondedzerwa chibvumirano, mapato maviri (uye insurer uye policyholder) tora basa zvizere. The policyholder runochengetedzwa ari "Mutemo pamusoro Kudzivirirwa Consumer Rights." Nokuti kutyora kodzero yevatengi mabasa inishuwarenzi anofanira kodzero vanoti inokuvadza.

The policyholder haagoni kubhadhara muripo, panyaya apo mhosva nokuda chiitiko chiitiko kambani yacho yeGmail.END_STRONG inishuwarenzi pachayo. Handiti, nokuti mitemo Russian Federation vanotongwa pamisika nerokuti.

Uyewo, pane urongwa kuti inoti chaivo munhu nomutemo kuti insured asi kwete insured, vaitwe naro mudare. Muudzame ose ukama nyaya akafukidza Chap. 48 "Insurance" of Civil Code.