Mokakamizidwa boma inshuwalansi latsopano la Russia

Chifukwa cha kusintha Russian zikuchitika cha mma 1990, mokakamizidwa boma inshuwalansi pansi dongosolo limodzi ndi njira zopezera ndalama, anagwirizana ndi boma bajeti, m'malo ndi ndalama bajeti amati: FSS; FIU; Kupititsa ndi boma OMS ndalama.

Kusintha woyanjidwa levers zina zodzitetezera pa umoyo ndi kugawikana enieni magwero ndalama. Mokakamizidwa boma inshuwalansi akutumikira monga limagwirira ndi kukhalabe zinthu yapachiweniweni zokhudzana ndi umoyo wawo, chuma, moyo ndi udindo pa yapachiweniweni

Mokakamizidwa boma inshuwalansi chifukwa zofuna zina za anthu. Monga mbali ubale mafakitale ntchito inshuwalansi amalenga zofunika kwa kukhazikitsa njira zodzitetezera umalimbana ndi kutanthauzira za zotsatira zoipa. Mu chochitika cha zinawonongedwa ndi zochitika zinazake, inshuwalansi limakupatsani azilipira imfa mawu chuma, chifukwa n'zotheka kuti agwire ntchito kubwezeretsa, kuwonongeka malipilo mu dera chikhalidwe, komanso nzika payekha.

Motero, boma mokakamizidwa inshuwalansi ndi njira kuteteza umoyo wa anthu ndi malonda, komanso ntchito zopezera ndalama. Insurance amachepetsa katundu ndalama bajeti, zimathandiza kuthetsa nkhani za chikhalidwe cha kuonetsetsa, monga Ndi mbali yaikulu ya dongosolo boma chikhalidwe. Uyamiko kwa Iye, chuma dziko lonse kukopa zinthu zambiri ndalama.

zotchinjiriza moyo mokakamizidwa (OSS) ndi mbali ya chitetezo cha boma umalimbana zodzitetezera pa umoyo wa anthu, zimene zikugwirizana ndi nzika ntchito, kuwateteza ku zotheka kusintha mu chikhalidwe zokhudzana ndi zinthu zochitika zosiyanasiyana, zina osadalira pa nzika okha.

OSS Cholinga kuchepetsa kapena kukwaniritsa zotsatira za zinthu zimene mwasintha udindo wa nzika osati ntchito, komanso magulu ena a iwo, mu milandu operekedwa ndi lamulo. Mwachitsanzo, mu mwambo zotsatirazi mavuto inshuwalansi okhudzidwa: mafakitale choipa, kulumala, matenda kuntchito, choipa, matenda, imfa ya breadwinner, umayi, ukalamba, etc.

Malinga ndi pamwamba, ife potanthauza nzika za inshuwalansi chikhalidwe mokakamizidwa. Zikuphatikizapo mabwana, kumachita monga inshuwalansi akuda, kampani ya inshuwalansi - inshuwalansi akuda ndi nzika okha, amene ndiwo inshuwaransi. Pankhaniyi, nzika zonse za inshuwalansi chikhalidwe mokakamizidwa ndi ntchito zawo pansi Mapangano anamaliza ndi OSS. Pankhaniyi, aliyense wa iwo ali ndi ubale wa OSS:

- kuchokera pamene adalowa mgwirizano ndi ntchito ndi wantchito wa bwana Y;

- kuchokera pamene kulembetsa SC Y insurer;

- popeza mapeto a mgwirizano ntchito ndi abwana ake - ndi inshuwaransi;

Panopa mokakamizidwa penshioni inshuwalansi latsopano la Russia - ndi ndiwo ulili pantchito m'tsogolo.

abwana ake ayenera kulipira premiums inshuwalansi kuchuluka kwa 34% kopeleka malipiro aliyense wogwira ntchito. Pankhaniyi, 26% ya ndalama izi ntchito pa lamulo inshuwalansi penshioni latsopano la Russia, ndipo analowa Fund RF penshioni, iwo anawagawa m'magulu awiri a penshoni kupanga gawo olipiridwa a penshoni ndi inshuwalansi. Dziwani kuti nzika iliyonse kungatithandize mwachindunji pa gawo ndalama zolipirira a penshoni anapanga. Mwachitsanzo, nawo co-ndalama, ntchito kumalo antchito omwe siaboma ndi kwathunthu "woyera" mphotho, kufika kuti aganyali mu NPF.