Inkqubo esisiseko ye-inshorensi yempilo esisinyanzelo ngo-2011

Kufuneka bazi yaye baqonde imigaqo esisiseko, apho kwenziwa practice, inkqubo esisiseko-inshorensi yezempilo ezinyanzelekileyo:

· Guarantee unyango free

Oms · Imirhumo imiselwa ngurhulumente

· Le ukulingana zonke izifundo kunye abathathi CBO

· Ukufumaneka kunye nomgangatho ukhathalelo lwempilo kubo bonke abantu inshorensi

uMntu oKhuselwe ngeInshorensi ukuze abemi Russian Federation, iimbacu kunye bamazwe angaphandle. Inshorensi abaqeshi. Amaxwebhu, amagqwetha kunye noosomashishini babucala ahlawule imirhumo ngokwabo. I insurer ke esilawulayo ukuba abangengobemi ukusebenza le Federation. I insurer ke Federal fund-inshorensi yezempilo.   Kwaye yonke kunye - a amaziko inshorensi yezempilo.

uMntu oKhuselwe ngeInshorensi banelungelo lokukhetha nemibutho inshorensi yezonyango kunye namaziko ukuyitshintsha kanye ngonyaka ngokucelwa kwaye usoloko xa uye kwindawo entsha, khetha i ugqirha, ukufumana ulwazi kwiinkonzo ezinikiweyo, ukuze afumane imbuyekezo ngenxa yomonakalo obangelwe isiphoso okanye ukushiywa kumagqirha.

Xa uqhagamshelane kwindawo yonyango ukuba unyango umntu umele asondeze umgaqo MHI. Soloko xela naziphi iinguqu inkampani yakho ye-inshorensi, ukutshintsha igama, indawo yokuhlala, iziko lonyango. Ngokuba abantwana inkampani yeinshorensi ekhethwe ngabazali.

Amalungelo kunye neemfanelo ze-inshorensi kulawulwa yinkqubo esisiseko inshorensi yempilo enyanzelekileyo, enika ingcaciso malunga nobhaliso nokucinywa ngokunxulumene nawokusiphelisa zeinshorensi, malunga nentlawulo ngokupheleleyo okanye amatyala kwi iminikelo CHI.

Inkqubo esisiseko ye-inshorensi enyanzelekileyo zonyango izenzo enye wonke ummandla weli lizwe. Kubonakala zoncedo lokuqala, uthintelo kunye noncedo lokuqala. Specialised unyango na, izifo ezininzi ngotyando enyangayo, ukwenzakala kunye nezifo ezosulelayo, abantwana nabafazi ngexesha ekhulelwe naxa ezala. Ngaphandle abantu sisifo sephepha, usulelo lwe-HIV, usulelo obuni, isigulo sengqondo.

inkqubo Basic eyenziwe yi-Ofisi yoMphathiswa wezeMpilo-inshorensi enyanzelekileyo yezonyango, nto leyo ivunyiwe ngurhulumente. zanyanga le Insurance ehlawulwa inshorensi ukuya kwi-akhawunti yemali indawo -2% kunye -1,1% mali federal, ezithi ababeyiqwebile kusetyenziswa ukunikezelwa kweenkonzo zempilo.

imibutho-inshorensi yezempilo iliso umthamo, umgangatho, ngokwemiqathango uncedo kubantu inshorensi, ukukhusela izinto zabo. Ngaphezu koko, bachitha ulwamkelo abemi zeinshorensi, ubanike ingcaciso malunga noluhlu lweenkonzo zonyango ngaphakathi sikhokelo ye-MLA. Ngena kwi izivumelwano kwiiklinikhi zempilo kunye nezibhedlele, kunye nemigaqo-inshorensi umba kubaqeshi. Abasebenzi kwi plant nkqubo yengqesho uthathe kumqeshi wakho uze uyibuyisele kwi ekugxothweni. Ukuba ulahlekelwa umqeshwa wakhupha idyuplikethi nkqubo ngentlawulo, kwaye umgaqo-nkqubo wangaphambili imisiwe.

C-2011 yazise lo mgaqo-nkqubo isampuli elinye. Inkqubo-inshorensi yezempilo kwi Russian Federation kuqinisekisa unyango kuyimfuneko simahla kubo bonke abemi kunye abangengobemi Russian kuphila nommandla wayo. Kodwa abanye abantu amacebiso aluncedo kufuneka ukuba ukukhumbula ukuba incinane kangangoko unakho ungquzulwano okanye neembambano ebomini babo:

1. Kukho iingcali ezininzi ezahlukeneyo abanobuchule kunye namaziko ezempilo, siyazi ukuba ukwenza njani kakuhle ukhetho lwakho.

2. Ukuba unayo ingxaki ukunxibelelana nogqirha wakho, njalo uxhumane intloko yesebe okanye isekela. ugqirha oyintloko umsebenzi yezonyango ukusombulula yonke imiba.

3. Kwimeko zokugxojwa amalungelo akho ukuze ufumane uncedo lonyango ezamahala, qhagamshelana inkampani yeinshorensi ngokubhaliweyo ukukhusela iimfuno zabo.

4. Kwimeko apho ukuthandabuza malunga nokuvumeleka ngokusemthethweni yentlawulo ngeenkonzo zonyango, ukukhankanya uluhlu lwe inkampani yakho ye-inshorensi.

5. Xa uhlawula iinkonzo zonyango ukugcina isivumelwano, nokutshekishwa ukuba uzisondeze ngexesha leengxoxo ezibanjwe kwinkampani ye-inshorensi ukuze bafumane imbuyekezo.

6. Phatha yonke imibuzo kubaphathi ezibhedlele, inshorensi neenkampani iingcali kunye neengcali ze-mali sendawo CHI.