Rokumanikidzirwa munzanga inishuwarenzi ive chinhu rutsigiro mamiriro vokuparidzira

Upenyu hakusi chete nenguva dzinofadza, asiwo mwoyo. Chokwadi, pane avo kana zvimwe zvinetso, hatigoni kuzvidzivirira, asi kuti insured pakuparwa yedambudziko nokuzvidira munhu. Hurumende, kuitira kuvandudza upenyu hwevaya vemo vakanga, nokuda ezvinhu akasiyana-siyana, haagoni kuita basa, akasuma munzanga inishuwarenzi zvairayirwa. Federal Mutemo "Pahwaro mumagariro inishuwarenzi rokumanikidzirwa" akapinda simba pamusoro 16 July 1999. Its kusimbisa vamwe mitemo yeUnited uye nemirayiro. Kubvira panguva iyoyo, mugari wose anoda kuwana basa, kuti kusaina chibvumirano maererano aakataura vanosungirwa kubhadhara pamwedzi premiums. Kutaura zvazviri, izvi hazvisi chinhu asi akachengeteka mutero munzanga.

Maonero pamusoro kana mukuru vanofanira rokumanikidzwa inishuwarenzi evanhu Chokwadi, vakakamura. Vamwe vanhu havaoni ichi sezvo chinhu chinobatsira, apo vamwe, achinyatsoziva kuti muupenyu chinhu chingaitika, zvizere chibvumirano kudiwa ivepo. Kupi rubatsiro urwu hurumende kungazviratidza? munzanga inishuwarenzi rokumanikidzirwa kunooneka pachayo iri chiitiko kuti achabva zvinotevera nengozi inishuwarenzi :

· Working mugari utano kunoda kurapwa;

· Munguva basa rikurumidze mushandi akanga atambura muindasitiri kukuvara kana akanga ava munhu Occupational chirwere ;

· Paiva kwenguva urema;

· Kurwisa maternity, mwana hanya kusvika makore 1.5;

· Kufirwa pakuriritira mhuri;

· The mushandi yave pamutemo sezvo rovha;

· Disability;

· The rufu insured munhu kana mumwe, vakawanda vakaremara, vomumhuri vari paanofa ake.

Kubva izvi zvose chatingawana mhedziso inotevera: kana kushanda murume haasi kuenda kubhadhara premiums, ipapo akapinda rimwe pamusoro apa, zviri nyore zvinogona pasi urombo mutsetse. Nemamwe mashoko, iye kunyimwa nehurumende rutsigiro, izvo zvinogona kumubatsira kukurira matambudziko oupenyu.

Social vashandi inishuwarenzi - iri vimbiso kuti munhu haasi ndoga nezvinetso zvavo. ngozi Mumwe inishuwarenzi kunosimbiswa nevamwe mari kubhadhara, uwandu inosidzikwa pashure pokufungisisa inishuwarenzi kambani magwaro kuti vanoshumira sehwaro kugadzwa kwavo. The Mhando vachibhadhara inishuwarenzi dzinosanganisira:

· Payment kuti mari yose kuti mushandi arapwe utano Zvivako;

· Old-zera mudyandigere, vakaremara uye vachapona;

· Manual kwenguva pfupi disablement;

· Benefits maererano okutambirwa Occupational kukuvara kana chirwere;

· The ngaabvumire pamuviri, mwana uye kutarisira mwana kusvikira makore rimwe nehafu;

· Mukanyiwa Verengai muripo kana kunyoresa in early pregnancy uye pakuzvarwa.

· Payment kuti vouchers kuti Spa kurapwa;

· Funeral tibatsirwe.

The insured munhu ane kodzero yokugamuchira mari inishuwarenzi, uyewo kuti kodzero dzavo kana vari kutyora. Uyewo, kuti insured munhu kunodiwa kuti pamwedzi mipiro, kana zvimwe inopiwa nehurumende, uye nenguva nenzira kupa vose magwaro kungada kambani inishuwarenzi kana kuti insurer. Zvadaro, munhu kuita inishuwarenzi, anekodzero zvinoda insured munhu magwaro anodiwa kuita mamwe unyanzvi kuti kugadzwa insured panjodzi, kuunganidza kunoshamisa mipiro kana zvakakodzera. In zvaidiwa zvose zvinodiwa insurer runodiwa kana kuramba muripo (kana mukana wacho inishuwarenzi haina yasimbiswa), kana kurongera mari inobva mhando ngozi inishuwarenzi.

Zvinofanira kucherechedzwa kuti mumagariro inishuwarenzi rokumanikidzirwa zvinoshandawo kune vaya vasiri pamutemo yakaronga kushanda. Asati sei kutora chisarudzo chakarurama, unofanira kufunga zvakanaka zviri nani: kubhadhara mitero uye kutsigirwa nehurumende kana kukara, urombo uye kunetseka vari nguva upenyu zvakaoma.