Umbutho inshorensi yezempilo: nomthwalo

I-inshorensi sisebenza kwiinkalo ezininzi zobomi bomntu. Ngokufuthi, le nkonzo kufuneka benze ukuba ukhuseleko ubomi kunye nempilo. A inkampani yeinshorensi yempilo umntu imfuneko, nto leyo iya kuba yimfuneko ukuze aphumeze ikhontrakthi. Kwimeko-inshorensi inkampani unyanzelekile ukuba ahlawule imbuyekezo.

Imisebenzi eyenziwa ngumbutho zonyango inshorensi ngokwesiseko kwesivumelwano, kwakunye yentlawulo ngeenkonzo oms. Le misebenzi azithathwa imvumelwano standard-inshorensi. Zinkampani ukufeza kuphela ezinye insurer umsebenzi oms.

amalungelo

Iinkampani zisebenza ngokwesiseko mthetho. Kwakhona wabeka i-inshorensi ekunene imibutho zonyango. Iinkampani kokusebenza yentlawulo imali ngeenkonzo ezinikezelweyo. umsebenzi wabo wenziwa ngeerhafu ethile, nto leyo nayo ezivunywe nomthetho.

Le nkampani unelungelo lokubhena kwisigqibo yeziko lezempilo ukuvavanya imiqathango, iimeko kunye nomgangatho wenkonzo. Ukuba uyakwazi ukukhetha amaziko kwicandelo elithile eziya kwenza uncedo. Iinkampani ze-inshorensi inxaxheba ngokuvunywa kwamaziko ezinjalo.

inkampani yeinshorensi Health unelungelo nokusekwa kunye nokulawula imali igalelo ngokuzithandela. Bathi amazinga zabo kwiinkonzo. A inkampani ukumangalela arhente ukuba bazisa umonakalo uMntu oKhuselwe ngeInshorensi.

imisebenzi

Kukho nje amalungelo kuphela kodwa uxanduva mbutho inshorensi yezempilo. Abaqeshwa ukuphumeza uncedo simahla kubathengi bayo. Ngokomthetho, kufuneka bagcine iirekhodi ngeenkonzo azenzileyo. Zinelungelo umsebenzi kunxibelelwano ngexesha Q kunye fund kolwazi malunga uMntu oKhuselwe ngeInshorensi kunye noncedo olunikiweyo.

inkampani yeinshorensi Health uthumela iingxelo ngomsebenzi wabo. Le mali isetyenziswa kuphela injongo yawo. Imisebenzi nkampani ziquka indalo kunye nokuphuculwa kwenkqubo imithetho, nto leyo eza iinkonzo yenziwe. On website yakhe abasebenzi ipapashe ulwazi oluthembekileyo kwishedyuli yomsebenzi, iintlobo zeenkonzo kunye namanye amathuba.

Kwimisebenzi yemibutho zonyango inshorensi ejoliswe ekunikeni imbuyekezo kubaxhasi phezu kukuvela iziganeko insured. Emva kokunikezela mgaqo-nkqubo kuyimfuneko kukwazisa umntu malunga namalungelo akhe, uxanduva kunye neengozi. Kwiintsuku ezili-14, kufuneka iqwalasele izikhalazo, emva koko kuthatyathwe isigqibo.

Le nkampani inika abathengi ulwazi malunga ishedyuli yomsebenzi, iintlobo zeenkonzo, ukufikeleleka, umgangatho. umsebenzi olugunyazisiweyo uthumela isiseko ingxelo ukuthotyelwa sivumelwano. Abasebenzi wombutho omele umdla kubathengi kwiinkqubo zomthetho.

imibutho inshorensi yezempilo kunye namaziko ukutshintshela iimali ulwazi ukutshintsha idata umthengi kwisithuba seentsuku ezili-14. Imigaqo-nkqubo banike abasebenzi zingadlulanga iintsuku ezi-5 emva kokuba ethe wasiqwalasela isicelo. Firm ikhusela amalungelo abantu inshorensi. Baya kubuyela mali kubaxhasi ukuba ikhontrakthi inikeza njalo. Inkampani Asikokungena imicimbi engekenziwa ukulungiselela ukuphunyezwa noncedo lwezonyango kubemi ngokwesiseko LCA.

nezinye iimpawu

inkampani yeinshorensi Health kwaye yenza nemisebenzi eyongezelelweyo. Inika isiqinisekiso abantu abasemngciphekweni. Abasebenzi babandakanyeka ekuphuculeni iinkqubo zonyango. Bayithatha ngaphandle imibutho medical aid yemali eyenziwa yononophelo olungxamisekileyo kubemi ongakhuselwanga. operation esisinyanzelo kukulawula ubukho amachiza afanelekileyo.

umthwalo

inkampani yeinshorensi Health unoxanduva ngokwezezimali yokungabikho komsebenzi imisebenzi yayo, nto leyo ezisisigxina kwisivumelwano. Umsebenzi wabo ilawulwa yi-mali MLA. Ukuba ulwaphulo-mthetho, ngoko ke iziphumo zophicotho, lo mbutho kuya kufuneka ukuba enze isigwebo.

Kuba inshorensi liability ziquka kwaliwe ubhaliso kwi MLA. Uxanduva kwaye ubonelela iintlawulo non-ixesha. Izohlwayo zikhutshwa kumagosa.

Ukukhetha inkampani yeinshorensi

Kwiinkonzo lwenziwa ngendlela ukhetho ngexesha ngokomgangatho ebalulekileyo lasekunene mbutho inshorensi yezempilo. Lo mba kufuneka siphathwe ngocoselelo, njengoko iya kunika ukhuselo. Okokuqala, kufuneka ukhethe inkampani kunye negama ezintle. Kufuneka uyazi:

• ekwenzeni lo msebenzi;
• impendulo umthengi;
• ubukho "umgca eshushu";
• imali yamabango;
• iziphumo zohlolo ezisemgangathweni;
• Ukufumaneka kwabasebenzi abaqeqeshiweyo;
• inkqubo yokhuseleko yenkundla.

Lonke ulwazi zifumaneka kwi website esemthethweni ye nkampani. Kufuneka uqinisekise ukuba zifanelekile. Kubalulekile ukuba baqhelane nomsebenzi yenkampani, yaye bafunde into luncedo ebantwini. Le nezinye iinkcukacha iluncedo kakhulu ukukhetha inkampani ekunene.

inshorensi lwangoku

Ukuza kuthi ga ngoku, ububanzi inshorensi eli asakhulayo eRashiya. Ngaphezu koko, iye iintlobo ezintathu:

• State: kuhlawulwa ngemali lwabiwo-mali;
• Inshorensi: idaliwe yi ukuqokelelela iminikelo ezivela iminikelo SP amashishini kunye;
• abucala: ifumaneka ngentlawulo.

Wonke umntu unelungelo lokufumana iinkonzo zonyango esemgangathweni. Lo mthetho kukuvumela ukuba ufumane uncedo oluyimfuneko ngendlela ngexesha.

CHI

inshorensi yempilo esisiNyanzelo iqukiwe Iinkqubo zentlalo zikarhulumente. Kuyo, abemi sinokuzuza ichiza kunye noncedo lwezonyango.

Eli lizwe a iinkqubo esisiseko indawo. Ukuba ziphi uncedo apho abantu abahlala kwindawo ethile. Okokuqala eyamkelwe Ministry of Health, kwaye eyesibini - amagunya karhulumente.

imithetho umsebenzi

Enterprises ubuthi nyanga nganye 3.6% of Austral e oms 3.4% engena mali CHI indawo, kwaye 0.2 - federal. Kuba non-abasebenzi iminikelo ihlawulwa ngurhulumente. Ingxowa nganye ithathwa kumbutho ozimeleyo olawula uzinzo kwinkqubo.

Imali waqokelela zichithwa ukuhlawulela iinkonzo zonyango. Iinkampani ze-inshorensi ukukhusela amalungelo abathengi, ukulandelela ebekiweyo, imiqulu kunye nokhathalelo olusemgangathweni enikiweyo. Le nkqubo inxaxheba njengabemi Russian and non-nabahlali. Kuphela uluhlu lokugqibela lweenkonzo ezikhoyo ingaphantsi.

inkqubo CHI Territorial

Olu xwebhu lubandakanya uluhlu lweenkonzo ezamahala ezenziwa. Ngokuyimfuneko ngaphandle:

• likaxakeka, ezingalaliswayo, ukhathalelo izigulane;
• esibhedlele ocwangcisiweyo;
• unyango;
• unyango olungxamisekileyo;
• isibonelelo samayeza kwi amagama ngqwalasela;
• iintlobo ezibizayo ukhathalelo.

iinkonzo imali

Nangona imithi ithathwa ngokuba simahla, kodwa kukho iintlobo zeenkonzo apho izigulane kufuneka ukuba ahlawule. Ngenxa yale nto yenziwa:

• uphando kwi intando abemi ';
• engaziwa zokuxilonga kunye amanyathelo othintelo;
• sifo engaziwa kunye nokuthintela;
• unyango ekhaya;
• imithi ngabemi isicelo;
• unyango Spa;
• Iinkonzo ubuhle;
• ayabiza kakhulu;
• uqeqesho nursing.

nkqubo MHI

Kwi lokubhaliswa xwebhu banelungelo bonke abemi Russia, kuquka non-abahlali abahlala okwethutyana kweli lizwe. nkqubo ixesha isenzo iya kulingana nexesha lokuhlala kweli lizwe. uxwebhu sikhutshiwe kanye abemi Russia. Umntu inshorensi ungakhetha umbutho ezizakuphumeza iinkonzo.

Ngokomthetho, eRashiya emva kokuba utshintsho kwi data yokundwendwela okanye ukufudukela kwindawo entsha kufuneka sidlule kwaye ufumane-nkqubo omtsha. Ukuba uxwebhu ilahlekile, ngoko kuyimfuneko ukuba azise inshorensi ngexesha elifutshane. Emva koko, ukuqala inkqubo wobhaliso uxwebhu olutsha.

LCA

inshorensi yonyango ngokuzithandela kunika ithuba lokufumana iinkonzo ezongezelelweyo ukongeza MLA. Le program Ungathatha ingqalelo abantu, amashishini, imibutho. Umntu unelungelo lokufumana iinkonzo eninzi.

DMS lilawulwa ikhontrakthi. Ngokutsho kuyo, inkampani uyavuma ukuhlawulela iinkonzo, ezo zichazwe kuso. Olu xwebhu kufuneka ibonise ukuba uMntu oKhuselwe ngeInshorensi yenza igalelo ngexesha elithile.

-Inshorensi yezempilo, kukho ezinye iingxaki nokusebenza le nkqubo. Oku ngenxa yokunqunyulwa mali. Izinga lwangoku 3.6% ayikwazi azibandakanyi ukhathalelo lwempilo yoluntu ngisho besebenza. Scope iza kuphuhliswa ngenkxaso-mali efanelekileyo.