Mlingo inshuwalansi

Insurance mtengo wa misonkhano umaonekera kuchuluka kwa inshuwalansi umafunika (zingati). The mphoto - mtengo pa misonkhano insurer, iye ayenera kupereka kukachitika mayina a mwambo mgwirizano. Bukuli lili pa mlingo lathyathyathya (kapena tariff).

mlingo Insurance - tisonyeza zimenezo mwa rubles mlingo wa umafunika wa, omwe linaperekedwa ku gulu la inshuwalansi ndalama.

mphoto ayenera kukhala wotero moti ukanatha kuphimba zonena zotheka ya inshuwaransi, ndi kulenga nkhokwe kuphimba mtengo kampani yochitira malonda, komanso kupereka ndalama.

Mtengo wa ntchito inshuwalansi amadalira kufunika kwa izo ndi mlingo chidwi madipoziti banki. Monga zingamvekere kapangidwe ka inshuwalansi mbiri (ya mavuto) ndi ndalama zaboma.

Ngati mitengo inshuwalansi zakonzedwa mwa lamulo (pakati), zaufulu mlingo inshuwalansi kuchita masamu ndi insurer, pa nthawi yomweyo kwambiri amakhudza bata ndalama ntchito inshuwalansi.

Mitengo mopitirira ntchito njira zowerengera ndi masamu, amene amadziwika ngati kuwerengetsera actuarial. Iwo amakulolani kudziwa chiwerengero cha inshuwaransi thumba inshuwalansi ambiri. Sankhani njira pamaziko a chiopsezo inshuwaransi, nthawi, chikhalidwe ndi mabonasi.

Full mlingo inshuwalansi ambiri amalitcha "aakulu mlingo". Amakhala ndi ukonde-mlingo ndi katundu. Net mlingo zikuphatikizapo mlingo yowopsa (inshuwalansi thumba) ndi yowopsa gawo (malo thumba). Katundu imakhala ya mtengo wochitira bizinesi (phindu) ndi makonzedwe a zodzitetezera.

Net mlingo - uyu ndi gawo la tariff, amene walangizidwa mapangidwe nkhokwe kwa malipiro m'tsogolo pa zosayembekezereka wa zochitika inshuwaransi. Chifukwa Zachikondi yowopsa m'gulu lililonse mapangidwe nkhokwe kwa ndalama za inshuwalansi. Reserve thumba, analenga likuvutika premiums chiopsezo, ndikofunikira mu zochitika za chiwerengero cha milandu owonjezera malipiro Pamudzi.

Katundu otchedwa gawo la ndalama zimene zili m'gulu la mtengo inshuwalansi kuphimba mtengo yochitira malonda, mapangidwe phindu ndi chilengedwe cha njira insurer Fund.

Insurance ikuchitika kaya payekha kapena mu mawonekedwe losonkhanitsidwa. Zikatero, mawerengedwe a amachitidwa pa chosavuta mphoto chiwembu zochokera deta pakuchitika.

Insurance mlingo pa mitundu chiopsezo (ena kuposa inshuwalansi moyo) ndi kuchita masamu pa maziko a ziwerengero kapena zinanso pa mtundu yeniyeni ya inshuwalansi.

Mu inshuwalansi tariff moyo mlingo ukonde anatsimikiza m'njira yosiyana, zochokera magome. Gross mlingo zikuphatikizapo m'munsi gawo (mlingo ukonde) ndi kulongeza izo kuphimba mtengo yochitira malonda. Mlingo ukonde amadziwikanso ndi mbali ziwiri - amalipiritsa yosungirako ndi mlingo chiopsezo (malipiro vuto la imfa).

Insurance mitengo kwa CTP zakonzedwa pakati pa boma la Russia, ndiye zimafanana makampani onse inshuwalansi. Izi zikutanthauza kuti podziwa pano kuvomerezedwa mitengo galimoto inshuwalansi, mukhoza pamanja kuwerengera ndalama za ndondomekoyi kwa inayake inshuwalansi mgwirizano. Ziyenera adzanyamula kukumbukira kuti, kuwonjezera tariffs, zinthu zina zambiri zimakhudza mtengo wa malamulo, monga m'badwo wa dalaivala; galimoto zinachitikira; chiwerengero cha anthu odzipereka kwa kusamalira; dera; makhalidwe galimoto, etc. Tariffs mu mawonekedwe a inshuwalansi akusiyana malingana ngati pali milandu mu mbiri mwadzidzidzi galimoto. Choncho CTP chilinganizo zikuphatikizapo mlingo m'munsi kuchulukitsa ndi koefishienti zosiyanasiyana asinthe.

Lamulo tariff wa kampani ya inshuwalansi mfundo zotsatirazi. Mfundo imeneyi ntchito kudzikonda opatsa ndi profitability awo, pazikhala kufanana ubale inshuwalansi pakati pa zipani zonse anavomera mitengo kupezeka kwa aliyense ndi kukhazikika awo kwa nthawi yaitali.