Mitundu Non-muyezo wa inshuwalansi latsopano la Russia

inshuwalansi moyo, thanzi, chuma cha mavuto osiyanasiyana kulowa m'moyo wathu, wakhala mbali ya moyo watsiku ndi tsiku. M'nkhaniyi tiona kuthana ndi mitundu ikuluikulu ya inshuwalansi, ndipo sankhani kuchokera pakati pawo kwambiri yodziwika, sanali muyezo, magulu zachilendo.

The mitundu ikuluikulu ya inshuwalansi mu Russia

Choyamba Mapangano onse inshuwalansi anawagawa mitundu 2:

• Amafuna. inshuwalansi otere kukakamiza malamulo ndi kunyalanyaza zofuna zake kumabweretsa zilango zake. gulu Izi zikuphatikizapo MTPL inshuwalansi okwera, MLA.
• Zaufulu. Mgwirizanowo inshuwalansi basi anapempha nzika ya.

Kodi ndi mitundu iti ya inshuwalansi pali? Zingakhalenso munthu kapena gulu, ndi alipire pa izo - mtanda ndalama kapena monga annuity ndi. Ndi tanthauzo, pali malipiro kuchuluka prorated obwezeredwa (gawo lirilonse la kumawononga anavomera) ndi dongosolo chiopsezo choyamba (mkati Uwerenge anavomera inshuwaransi chifukwa kumawononga onse analipira).

Malinga ndi chaputala 48 cha Civil Code, mitundu ya inshuwalansi latsopano la Russia ali m'magulu 4:

• chuma;
• munthu;
• udindo;
• kuopsa bizinesi;
• mu kuwala kwa mumaganiza posachedwapa kuoneka ngakhale zina ndi yeniyeni.

Tikambirane mwachidule mitundu yonse ya linanena.

katundu inshuwalansi

mitundu itatu ya inshuwalansi akhoza zimachitika gulu ili:

• chuma (kuphatikizapo nyumba zomangamanga ndi inshuwaransi mkati chipinda ..);
• magalimoto (monga Ponena za chiwonongeko ndi maonekedwe a zotupa);
• katundu (afotokoze katundu, yosungirako).

inshuwalansi munthu

Za mtundu wina ambiri inshuwalansi, ndipo anadzazidwa mu Russian. Izi zikuphatikizapo:

• inshuwalansi moyo (posachedwapa zimenezi zimaphatikizapo chokhala inshuwalansi moyo);
• inshuwalansi ndi ngozi (choipa, matenda, imfa ya chiwalo kapena gawo thupi, kulumala, imfa);
• inshuwalansi mankhwala (CMI - kuvomerezedwa, zaufulu zachipatala inshuwalansi - kwawo);
• inshuwalansi zaumbanda;
• inshuwalansi pensioners (malipilo zigwiritsidwe basi ingapo) - oumiriza ndi zaufulu
• inshuwalansi m'basimo wa modes osiyana zoyendera;
• ogwira ntchito inshuwalansi.

udindo pa inshuwalansi

gulu ili ndi zovuta. Tikungotchula angapo insurances kuti zikuphatikizapo:

• udindo pa boma kuti kuwonongeka kwa wachitatu maphwando;
• udindo khalidwe katundu opangidwa;
• Udindo pa kulephera kukwaniritsa udindo kwa ngongole ya;
• profotvetstvennosti - choipa kwa wantchito makasitomala, ogula;
• udindo wachibadwidwe wa mabungwe, makampani akuimira gwero la kuchuluka ngozi;
• udindo wachibadwidwe wa onyamula zosiyanasiyana - m'tauni, njanji, mpweya ndi madzi zoyendera Metro, etc..
• CTP.

inshuwalansi malonda

Izi zikuphatikizapo inshuwalansi:

• ukutitsimikizira ndalama;
• imfa kapena kuwonongeka kwa chuma cha kumalo a ntchito;
• ndalama;
• chiopsezo sanali malipiro;
• madipoziti;
• katundu ngongole.

Insurance mavuto zachilendo

Chochititsa chidwi n'chakuti, sanali muyezo mitundu ya inshuwalansi:

• Insurance wa ntchito yomangayi - udindo wa mapulogalamu ndi;
• zaulimi;
• mayiko (kuti mwayi kwa zipatala zaumoyo m'dziko, komanso nzika, nthawi zambiri kunja);
• gulu (inshuwalansi anthu ambiri lonse);
• mutu (chiopsezo cha imfa ya katundu ufulu ndi zochita bwalo);
• kuopsa inshuwalansi kugwirizana ndi bizinesi;
• kuopsa ndale (chikoka cha zinthu zogwirizana ndi malamulo a boma, kupanga zinthu).

Ife titembenukira kwa milandu payekha inshuwalansi yeniyeni.

10 zachilendo zosiyanasiyana inshuwalansi

Ponena za mchitidwe dziko la mitundu sanali muyezo wa inshuwalansi - kuyang'ana kusanja dziko siyana kwambiri zachilendo analemba ndi kampani Dutch Hullberry Insurance:

1. kukula inshuwalansi mitengo mafuta. Pakuti mayuro 19,95 mukhoza kulowa mu mgwirizano inshuwalansi kupereka kwa malipiro a ndalama zina pa kukula kwa mtengo wa mafuta ndi oposa 15%.
2. Slamming chitseko. Insurance ndi chisokonezo cha ndalama pafupifupi 18 mumauro pa chaka. Pa zosayembekezereka chochitika inshuwaransi, mukhoza kupeza kuti mayuro 100.
3. Munakhala mu ndichikepe. Kuyambira mayuro 12 mpaka 28 pa chaka chidzakhala choyenera ngati mgwirizano ndi kampani ya inshuwalansi; Malipilo - 75 mumauro.
4. A mndandanda wa zolephera mu mpikisano wa. Ngati munthu inshuwaransi chapeza nthawi 52 mzere unlucky lotale tikiti, tingathe kupeza "chitonthozo mphoto" kwa insurer wake - 2500 mayuro. Mgwirizanowo inshuwalansi adzakhala ofunika monga mayuro 12-28.
5. Mawu oyamba a "kuletsa". Malipilo ku kampani ya inshuwalansi adzakhala mayuro 500 kwa chomwecho mayuro muyezo 12-28 pa chaka.
6. Olakwika m'ndende. Malipilo imeneyi zosasangalatsa kwambiri adzakhala zopanda mayuro 500. Price inshuwalansi chiopsezo - mayuro 12-28 pa chaka.
7. Akukana pa guwa. Ngati mkwatibwi kapena mkwati inshuwaransi munthu wosauka kuyembekezera anadabwa "ayi" ndiye yotsirizira kudalira kuchuluka kwa mayuro 100 kampani ya inshuwalansi wake.
8. Wagwa pansi kuchuluka kwa kamera chobisika. Anthu amene safuna kukhala musanaganizire kwambiri ngwazi ya kanema, n'zotheka kunena mgwilizano (kachiwiri mayuro 12-28 pachaka), mungapezeko kudalira malipiro a mayuro 1,000.
9. mwana wina. Ngati munthu ali kwathunthu kukhulupirira theka anga bwino, ndi mayesero DNA anatsimikizira kukaikira ake pa iye, alandire monga malipiro kuchokera insurer a mayuro 500.
10. Atigwira zakuthambo okhalapo. Akulipira mwambo umenewu ndi wodabwitsa zodabwitsa adzatumikira monga mayuro 5000. Pa nthawi yomweyo wina wa zikhalidwe za mgwirizano - makonzedwe a zikalata zanu zofunika kwa madokotala ndi mpweya ndi danga mphamvu.

Mitundu Non-muyezo wa inshuwalansi mu Russia

Tsopano tiyeni tione ku gulu zachilendo inshuwalansi mu dziko lathu:

• Insurance nyama. Friars Minor akhoza inshuwaransi ndi chiwonongeko, kuba, kupha. The inshuwaransi ayenera kukhala wathanzi ndi mayina nazale, ndi vaccinations koyenera kukhala miyezi 3 osati zaka zoposa 12 - mphaka, zaka 9 - galuyo.
• Insurance ndi espionage mafakitale. Insurance pangano amalonda akuopa zochita kuyan'anila za antchito awo - ndi mtundu wa inshuwalansi sanali muyezo mu Russia.
• Insurance tisagwere pa kugwa kwa miyala yochokera ake. Kukanikiza mtundu wa inshuwalansi anayamba zitachitika pa Chelyabinsk mu February 2013.
• Insurance ndi zotsatira za bango kuluma. Mgwirizanowo inshuwalansi zikuphatikizapo chipukuta misozi kuchotsa nyama kafukufuku pa ophimba pa mavairasi oopsa, chithandizo, zolowa mankhwala.
• inshuwalansi "Ukwati". mgwirizano uno osamvera akudzitengera ndi chiwerengero cha milandu: nyengo yoipa, matenda mwadzidzidzi, angolowa kumene m'banja, wojambula zithunzi sichitha kuonekera, dalaivala, toastmaster, ndi mabungwe ena okhudzidwa, etc ...
• Insurance ndi chiopsezo sanali kunyamuka kunja. Kwa amene akuopa kuti mwadzidzidzi zochitika - matenda aakulu, kubwalo la milandu, chitupa cha visa chikapezeka kuchedwa - angasokoneze ulendo zofunika sanali muyezo mtundu wa inshuwalansi adzakhala othandiza kwambiri.
• Insurance ndi kuchotsedwa. Mu nthawi ya mavuto mu dziko lathu, inshuwalansi amenewa ndi zogwirizana kwambiri - makamaka kwa anthu kulipira ngongole nthawi yaitali, komanso mabanki opereka ngongole zimenezi.

Waukulu chikhalidwe mitundu ya inshuwalansi mu Russia ndi dziko ayamba anawonjezera mwambo yeniyeni. Ena a iwo akuoneka kukhala zosafunika ndi zosaneneka, ndipo ndithu kuganizira zinthu zenizeni, chifukwa masiku ano.