Ngubani na lo polisi,-inshorensi? Amanye amagama ukusuka sphere inshorensi

imisebenzi Insurance, sonke ngandlel rhoqo nayo. Kodwa asinguye wonke umntu ingaphatha, okanye achaze nezimaphambili ezingundoqo ezisetyenziswa mvumelwano inshorensi, yaye ukubiza up kwimo yaso njengolwimi olusemthethweni. Eli nqaku liza kuthetha oko kuthethwa ingcamango "i-inshorensi", "inshorensi", "polisi", njl, Yiphi na amalungelo kunye noluxanduva embadleni kunye nezinye izinto ezibalulekileyo.

Ingcamango le-inshorensi

OKhuselwe ngeInshorensi - elisemthethweni (inkampani okanye ngusomashishini ngamnye) okanye umntu wendalo liye laqukumbela kwinkampani yeinshorensi kwekhontrakthi inshorensi. Le polisi unako-inshorensi yonke: yempilo, ipropati, imoto, inja, uncumo, etc ...

Yintoni ikhowudi ye-inshorensi

Le ngcamango kunqabile uve abantu, ingakumbi abaninzi abayazi ukuba lithetha ntoni. Cipher inshorensi - yinto ukulandelelana kwamanani, leyo kuluphawu umnikeli kwaye kubonisiwe kwicandelo lokuqala lefom 4-FSS (ngokohlobo ingxelo yekota kwi Fund Insurance Social). Cipher ivumela Fund ukufumana ulwazi malunga ngubani na le polisi, kufikwe, nekufuneka kugxininisa ekuqokelelweni kweentlawulo ukusuka kwi insurer. Ayikwazi ukugqiba ikhowudi zabo ngokubhekisele kulawulo imibhalo efihlakeleyo inshorensi ukuba kwizicelo № 1, 2 no-3 ukwenza ukugcwalisa Inkqubo 4 FSS ngokulandelelanayo. inombolo nganye ikhowudi luquka iindawo ezintathu: 000/00/00. Masiqonde ukuba ngamnye kubo.

• Imivo 3 zokuqala zigqitywa kuhlobo lomsebenzi.

• Isigaba sesibini ikhowudi eneedijithi ezingama-2 uthetha eziphawula urhulumente werhafu.

• Isahlulo sesithathu ichaza umthombo Mhlawuli cipher eyinkunzi.

Ukuba idatha Mhlawuli ukuba utshintsha (umthombo of capital, uhlobo lomsebenzi, urhulumente irhafu), emva koko utshintshe ikhowudi, kunye inshorensi.

Ingcamango yeinshorensi

Ngokunjalo lo mbuzo, "Ngubani na insurer?", A umbuzo ofanayo malunga inshorensi yabantu abaninzi amaxesha azinazo impendulo. Ngoko ke, i-inshorensi - Ezecala lesibini intengiselwano insurance, inkampani leyo ekhokelela imisebenzi yemali inshorensi into, anelayisensi kwaye sijonge isinyanzelo sokuba uhlawule yomonakalo obangelwe kokuvela iziganeko esiqinisekiselwe ecaciswe kwimvumelwano inshorensi. OKhuselwe ngeInshorensi - lowo ihlawula ilahleko.

Amalungelo neemfanelo zamaqela

Amalungelo kunye neemfanelo iqela ngalinye kwi-inshorensi ukuba oko kuyimfuneko. Kungenjalo, ukuze kuphoswa iinkcukacha nakwixesha elizayo ukufumana iingxaki ezinkulu kunye insurer.

amalungelo yeinshorensi

1. Ukufumana ulwazi ngokupheleleyo malunga ngubani na yeinshorensi ukuba anqwenela ukuba inshorensi.
2. Uhlolo lomngcipheko lokuqala kwipropati ethile, ubomi nempilo enokubakho polisi. Chance iimviwo ingcali ukuvavanya iingozi. Ukwalelwa xa kuthe isigqibo malunga inshorensi inexpedient.
3. Ukufumana intlawulo ngeenkonzo ezinikezelwa yi-inshorensi.
4. Ukufunyanwa kwakhona ezinzulwini kwamaxwebhu engqina kokuvela isiganeko benefits kunye nento yokuba yena enjalo.
5. Ukwalelwa ekuhlawulweni izixa-inshorensi, ukuba bafumana ulwazi lobuxoki kuvimba we-inshorensi, okanye liphelelwe, lo mthetho ukuze azise strazovschika ngengozi.
6. Uphando iimeko apho kwenzeka isiganeko benefits, ukuba inkampani ye-inshorensi akrokrela ubuqhophololo-inshorensi.
7. Ukupheliswa isivumelwano ngomoya omnye ukuba polisi uyasilela ukuhlawula ngexesha iminikelo (ukuba intlawulo ye-inshorensi ihlawulwa ngezavenge).

Uxanduva lwe-inshorensi

1. Ukunika ulwazi insurer malunga ifomu inshorensi ukuba unomdla.
2. Ngokusayina isivumelwano uhlobo inshorensi ukuba inshorensi efunekayo phantsi ukugwetyelwa bona.
3. Kuhlawulwe isixa-inshorensi umonakalo, ukuba isiganeko inshorensi kwenzeka.
4. Yimfihlo kunye nokhuseleko data zobuqu ye-inshorensi.
5. Indlela i ingcali ezimeleyo ukuhlola imeko ziyiprophathi siganeko benefits kunye nolungiselelo isatifikethi inshorensi lingekapheli ixesha elimiselweyo.

amalungelo polisi

Ngubani na lo inshorensi? Lo umntu / inkampani ekufuneka zihambelane kunye namalungelo abo neemfanelo, okanye inshorensi unelungelo elisemthethweni lokwala ukunika iinkonzo.

1. Ukufumana ulwazi ngokupheleleyo malunga nenkonzo enikezelwa kwinkampani ye-inshorensi malunga mvume kwinkampani.
2. Ukufumana iintlawulo ze-inshorensi phantsi kwemiqathango wesaziso isiganeko benefits kunye onke amanye amanyathelo.
3. Ukupheliswa kwesivumelwano inshorensi ngaphambi kwexesha ukuba kuyimfuneko, kwaye nokubuyiswa elingasetyenziswanga premium.
4. Ukutshintsha yeinshorensi ngokuqhutywa yintliziyo.
5. Ilungelo umngeni enkundleni isigqibo zokwaliwa kwinkampani ye-inshorensi ukuba ahlawule.

Uxanduva lwe-inshorensi

1. Ukunikwa ulwazi oluthembekileyo ngokupheleleyo mbandela, isihloko ukhuseleko kwi sicelo kunye yesivumelwano esilandelayo, kwakunye iqondo lomngcipheko kunye nokwenzeka insurer qinisekisa ulwazi.
2. Intlawulo isixa semali okanye ngezavenge, ukuba iimeko mvume kwesivumelwano, i-insurance premium.
3. Ukwaziswa kwinkampani ye-inshorensi ngengozi lingekapheli ithuba zomthetho (okanye imithetho contract) okanye nokungeniswa olulandelayo zamaxwebhu linganezizathi ngokulibaziseka isaziso (ikhefu lokugula, zokuhamba njalo njalo. N.).
4. Isaziso kwi-inshorensi ecaciswe kwimvumelwano kwimeko imbuyekezo ngomonakalo netyala ebusweni isiganeko inshorensi.

Ingcamango isiganeko inshorensi

isiganeko oKhuselwe ngeInshorensi - imeko inikezelwe kwi contract inshorensi okanye ngumthetho, phezu isiganeko inkampani yeinshorensi linyanzelekile ukuba ahlawule i-inshorensi isixa-mali ekubhekiselelwe kule mvumelwano, isixa esipheleleyo okanye njengepesenti.

Yintoni na le ntlawulo-inshorensi

intlawulo Insurance (total) - isixa semali kule meko kwesiganeko benefits inkampani wamkela Stakhova polisi. Iintlawulo zenziwa xa ibhalwe mvumelwano, ubukhulu kananjalo ikhankanyiwe kwisivumelwano inshorensi.