Yintoni oms? Nalapho unokufumana i nkqubo CHI?

Kwihlabathi lanamhlanje, abantu abaninzi baqonde ukuba ixabiso le-inshorensi yempilo mandatory kwaye ukhetha ukuba wonge imali kukuphepha kuyo. Yintoni oms? Bayibiza inkqubo kweziqinisekiso loluntu ezivumela ukuba abemi bafumane uncedo lwezonyango ngexesha elifanelekileyo. Ingcaciso engaphezulu iya kuboniswa kweli nqaku.

Yintoni oms?

Kuba apho inkqubo ye-inshorensi yempilo enyanzelekileyo zadalwa? Eyona njongo yayo iphambili - ukubonelela abemi ngoncedo kwangexesha kwi-mali ezingasetyenziswanga. Ukongeza siganeko benefits eluhlobo sisifo, i MLA unyanzelekile ukuba lwezimali kunye amanyathelo othintelo.

Yintoni oms? Oku kuyinxalenye kaRhulumente Inshorensi, ekufuneka kunika abemi amathuba alinganayo ekufumaneni unyango. Iimeko wokubonelela yayo ababhaliswe kwiinkqubo ezizodwa.

Ngubani kufuneka umgaqo-inshorensi yezonyango ezinyanzelekileyo?

Phantsi kwemithetho ye-nkqubo Russian kufuneka sibe bantu balandelayo:

• bonke abemi beli lizwe;
• amazwe abahlala okwethutyana okanye ngokusisigxina eRashiya;
• abantu lizwe;
• abo banelungelo lokufumana unyango ngokungqinelana nomthetho "On Refugees".

Ayichatshazelwa kulo uxanduva ngaphandle abantu abanezakhono eziphezulu kunye namalungu eentsapho zabo. Oku kulawulwa ngumthetho "Ngomhla Isimo Legal kwabantu bamanye amazwe kweli Russian Federation".

Ukusebenza lolu xwebhu

Abemi Russian Federation, kwakunye amazwe abantu abangenambuso abahlala ngokusisigxina kweli lizwe, i-inshorensi inkampani OMC inikeza akukho xesha imida. Abo banelungelo lokufumana unyango ngokungqinelana nomthetho "Kwi Iimbacu", uxwebhu ekhutshelwe ixesha lokuhlala. ixesha Umda emiselweyo amagumbi afanelekileyo. Abantu abahlala okwethutyana lizwe uyakwazi ukufumana MLA kwikota ubhaliso lwabo.

Iinkonzo ezibonelelwa yi OMI policyholders abanikazi

Enika nkqubo (entsha) MLA? Lokufaka we iinkonzo ezichazwe ngezantsi:

• ukhetho lombutho lwezonyango;
• iziyobisi free kunye noncedo lwezonyango mali kwaqinisekisa xa isiganeko inshorensi;
• amathuba ukufumana iinkcukacha ngokupheleleyo kwiindidi kunye nobungakanani neenkonzo;
• ukukhusela umdla namalungelo;
• amathuba yembuyekezo umonakalo leyo eyabangela ukuba impilo ngokubanceda;
• Ukukhetha medorganizatsii ye-inshorensi;
• ukuncedisa aphume turn (iindidi ezithile abemi);
• azikhethele ugqirha (usapho kunye nokuya).

lokunakekela

iziqiniseko likarhulumente nkqubo iintetho ngokupheleleyo ngoko MLA. Ngenxa mali emfono ilandelayo uncedo inikwa simahla:

1. ER (ngaphandle - yococeko kunye moya ngobungxamo).
2. EneeMfuno eziZodwa.
3. ukhathalelo lwempilo zothintelo lokuqala.
4. Ukuncedisa ekunyangeni izifo ifakiwe kule nkqubo engundoqo.

Ukongeza kule mali ezingasetyenziswanga, esebenza ngayo inkqubo kweziqinisekiso loluntu ukwenzela ukubonelela lwabiwo izifundo of Russia. lokunakekela inikezelwa:

1. Lokudambisa.
2. Ngokuba zonke izifo ngokungqinelana nenkqubo MLA.
3. I eliphezulu-zobugcisa.
4. OKhuselwe ngeInshorensi kanye ubucwebe.
5. ambulensi eziZodwa.
6. Xa iimeko kunye kwezifo uluhlu, umzekelo - isifo sephepha, zengqondo, nokusetyenziswa gwenxa kotywala kunye nabanye.

Ziziphi izifo ziqukiwe kuluhlu unyango simahla?

In Spetsizdanie emiselweyo uluhlu kwezifo apho beziyobisi kunye noncedo lwezonyango. Nazi ezona ziphambili:

• ngokuzalwa, ukukhulelwa, isisu;
• izifo kwinkqubo yonyango ;
• izifo, kubandakanya ekumfimfitheni;
• izifo luvo;
• izifo metabolic;
• izifo izitho zokugaya;
• ukungaphili chromosomal;
• isifo inyama ongama kwesikhumba;
• ukuphazamiseka lo mshini omzimba;
• ukonakalisa;
• ukuphatheka;
• iindlebe sifo, amehlo, kunye nabanye.

Ngenxa yokuba isabelo mali simahla babaphatha ukuphazamiseka kwengqondo, isifo sephepha, izifo, izifo ezidluliselwa ngeentlobano zesini, ingakumbi AIDS ne-HIV. Ukongeza kule miba ingentla apha, le nkqubo ukufumaneka (oko kukuthi CHI, kuxoxwe ngasentla) Ukuqinisekisa ukuncedisa ukuphazamiseka e yokuziphatha ngethuba ukusetyenziswa kweziyobisi psychoactive. Ukuze ukuchonga imiqondiso yokuqala yale ndlela aphila ngayo abantwana, ukuphumeza othintelo kuhlolwa njengesiqhelo.

Nalapho unokufumana i nkqubo CHI?

Kuzo zonke iingingqi ilizwe lethu uyakwazi ukufumana inkqubo OMC. uxwebhu isampuli thaca kweli nqaku. Okwangoku kukho iinkampani ze-inshorensi ezahlukeneyo 58. Kukho zombini imibutho ezinkulu kunye namasebe saa kwilizwe liphela, nezincinane, abenza umsebenzi kwisifundo esinye. Ngokuqhelekileyo, ezi nkampani iseti efanayo kweenkonzo, ngoko akukho mahluko nalapho unokufumana i MLA. Ngaphandle koku, iinkampani bekhuphisana nabanye kwaye ukuwexula abathengi. Ukuze benze oku, aya kubangela ukuba izenzo amanqaku ezahlukeneyo banikele policyholders zabo iibhonasi ezihlawula. Kodwa nkqubo OMC enoba uya kuba yintoni na inkampani. Nemiqathango yokufumana uxwebhu ziyafana kuyo yonke indawo. Ukukhetha umbutho, abantu badla ukunamathela isiseko eendawo kwaye zendawo, oko kukuthi, yiya apho ngakumbi. Abanye abantu bakhetha ukusebenza kunye ofisi kubonakele, ukunikela ingqalelo nentengiso. Uninzi wayephulaphule icebiso abahlobo kunye nezihlobo. Amaxesha amaninzi abasebenzi kwezibhedlele neekliniki bathumela izigulana kwindawo ethile, kodwa oku akukho akuvumelekanga ngumthetho, ukuze ngokukhuselekileyo ungakhetha nawuphi na umgaqo-nkqubo OMC umba irisithi.

Yintoni na uhlobo lwe-inshorensi yezempilo yogunyaziso, kufuneka ukwazi ngokuqinisekileyo. Thatha ujongo kakuhle kwisampuli obekwe kwinqaku ngasentla. CHI - ngummandla apho namhlanje badla siphuma amacebo yobuqhophololo. Bexhotyiswe nale lwazi, kona ukutya soze ukufake kuloo nabaqhekezi oko ithiyelwe ngako.

Amaxwebhu for nkqubo OMC

Ukuze le nkqubo ukuze abantu abangaphantsi kweminyaka eli-14 ubudala kufuneka angenise:

1. SNILS (ukuba ikhona).
2. isitifiketi sokuzalwa.
3. Isazisi ummeli osemthethweni bomntwana.

Emva kokuba ukubulawa engama-14 ziya kukhutshwa incwadi yokundwendwela. Ngoko ke, ekulungiseleleni nkqubo MHI endaweni isiqinisekiso sokuzalwa kuyimfuneko ukunika ubungqina besazisi-sicelo.

Abemi amazwe, ngubani ngokusisigxina bahlala Russian Federation, kakhulu, ufumane inani elithile MHI nkqubo. Ukulungiselela le njongo, umbutho inshorensi efanelekileyo zinika:

• yokuhlala;
• SNILS xa kukhona;
• uxwebhu ukuqinisekisa isizwe (yokundwendwela kunye t. d.).

Kukwasebenza kwanjalo kuyo noluhlu lwamaphepha kubantu abahlala eRashiya, kodwa abe ngummi. Abameli kwezomthetho yomntu inshorensi kufuneka ube nencwadana yokundwendwela kunye namandla ligqwetha. Uxwebhu lokugqibela engqina igunya labo.

Kunqweneleka ukuba ukhethe ngotshintsho okanye umbutho khupha ezi nkqubo kuluhlu lwe fund indawo efakiweyo CHI (Savings "Rosgosstrakh" et al.). Olu lwazi ingabonwa kwi website esemthethweni okanye omnye umthombo othenjiweyo. Ngokuzimeleyo isicelo ngabantu eyaziwayo amandla omthetho, oko kukuthi, abo sele eneminyaka eli-18 ubudala. Abemi abangazange attained lo ubudala angafaka isicelo ofisi iinkampani kuphela abameli kwezomthetho, okt abazali, izalamane kunye nabanye. Umzekelo, ukuba unina ufuna inshorensi umntwana, akukho mfuneko yokuba umenzi amandla ligqwetha. Abalondolozi kunye nezalamane ngqo abameli kwezomthetho ngqo.

Phambi kokuba ufake isicelo okanye indawo nkqubo, wenze iikopi zokundwendwela eziqinisekisiweyo, yaye ngoko SNILS. D. Njengoko umthetho, abasebenzi ifuna ukubonelelwa iphakheji enjalo yamaphepha.

rhoqo uyakwazi ukufumana nkqubo MHI yexeshana. Kokuba ikhutshwe ngokuguqula amagama, njalo njalo. N. Lisebenza Olu xwebhu ayikho kwenyanga ngaphezu kwesinye ukususela mhla wokufunyanwa kwalo. Inani utshintsho nkqubo OMC. Kungekudala uxwebhu kungena ukusebenza, oko kukuthi, ukuba ukufumana unyango kulo kunokuba ngokukhuselekileyo. Olu xwebhu lwenziwa malunga neentsuku ezingama-30, emva koko abasebenzi zenkampani sizibandakanya insurer ngefowuni okanye email. Iinkcukacha umxumi aseleyo kwiingxelo zazo.

Iinkampani Modern zibonelela ngeenkonzo ezifana nkqubo yokubhalisa MHI ekhaya. Abantu kuphela abakhubazekileyo basebenzise eli thuba. Lonke ulwazi olunzulu malunga ishedyuli leendawo lonikezelo kunye needilesi zazo zifumaneka kwi website ye nkampani. Isicelo izixhobo zokwakha kunye nokutshintshwa idla eseleyo kwi-efowunini.

Ukuba agents abanelisekanga umsebenzi abasebenzi inkampani, ungenza ushiye isikhalazo esibhaliweyo okanye isikhalazo yomlomo kulawulo lwe-ofisi yengingqi okanye federal. Imithetho ukuzoba la maxwebhu ababhaliswe izicelo ezizodwa.

Into ekufuneka uyazi nkqubo OMC?

1. Kukho ii-ofisi ezininzi, apho ungafumana le nkqubo OMC. Savings, umzekelo, unika ikhadi jikelele elektroniki leyo kusetyenziselwa kuphela zokundwendwela-nkqubo CHI kodwa intlawulo ngecredit card, njalo-njalo. D.
2. Ngo-2011, uxwebhu isampuli owodwa zadalwa.
3. Umntu inshorensi unokuba umgaqo-nkqubo omnye kuphela MLA.
4. Olu xwebhu kufuneka siqulathe iinkcukacha zoqhagamshelwano malunga Q. Kwakhona wabala idilesi umnxeba kwinkampani ye-inshorensi.
5. Le nkampani, apho umxhasi lizimisele ukutshintsha inkqubo, kufuneka baziqhelanise ngayo yonke imigaqo nemiqathango nokhuseleko loluntu. Umqeshwa kufuneka anike iinkcukacha malunga namalungelo kunye noxanduva lomntu inshorensi ngalo.

Ngoko ke, umgaqo-nkqubo MHI uya kuvumela ixesha lokuba afumane unyango, ngoko ke kungcono kwangaphambili ukuze anyamekele yomhombiso wakhe.