Amaxesha inshorensi kwiphepha esibhedlele. Ukubalwa inshorensi

ixesha inshorensi sekhefu lokugula kunye, ngakumbi ngakumbi, ukuba bazalise umgca wokuba ngubani omkhulu, usandula wathi kwenye yezi ofisi ze Insurance Fund i-Social ye-Russian Federation. Amagosa bagqiba ukukhumbula ukuba abaqeshi kufuneka ugcwalise umgca inshorensi kuxwebhu nokukhubazeka.

Ngoko ke, ixesha-inshorensi sekhefu lokugula kucacisiwe ngokuhambelana kunye negama elifanelekileyo. I 's "kunye" iinyanga "iseli kufuneka ufake inani leminyaka ezipheleleyo neenyanga zomsebenzi, ezo mazibalwe amava inshorensi umsebenzi. Xa umgca "amaxesha non-inshorensi 'kuthathelwa odlula ebomini akhawunti ngeenkonzo zomkhosi okanye ezinye. ixesha inshorensi sekhefu lokugula kufuneka zibonise inani elipheleleyo leminyaka neenyanga esebenze contract yabasebenzi. Ngeli xesha, kufuneka ufake ixesha le nkonzo kwiinkonzo zokunyanzelisa umthetho, emkhosini nomlilo.

Yintoni afakiweyo-inshorensi?

Kweli xesha inshorensi ziquka ixesha umsebenzi phantsi isivumelwano sengqesho ebudeni wenkonzo karhulumente, kamasipala okanye yoluntu, kwakunye nexesha yomsebenzi apho umqeshwa lowo phantsi inshorensi enyanzelekileyo zentlalo xa isigulo ukukhulelwa kunye kubeleka. La maxesha ke obaluliweyo kwiqhosha "Imithetho yokubala kunye nokuqinisekiswa inshorensi." Phakathi la maxesha zezo apho izivumelwano zabucala, ngusomashishini umntu, igqwetha, umlindi, kunye nabanye. Ngokuzithandela ehlawulwa iipremiyamu RF FSS.

Kufuneka kukhunjulwe ukuba thuba inshorensi ayibandakanyi ngamaxesha athile, leyo ngaphambili accounted for. Eli lixesha inkonzo kwi Army, uqeqesho kwizikolo yezandla kunye nabanye. Ithuba Insurance ubalwa ngokungqinelana iirekhodi engqesho. Ngokubhekisele izinto ezingachazwanga zicaciswa gca kule ncwadi, ngoko ukuze uquko kwithuba inshorensi kufuneka zingeniswe amaxwebhu mali ekhethekileyo, igama ukuba ukhankanye kukhona.

Ukuze babale ixesha inshorensi sekhefu lokugula, kuya kufuneka incwadi yomsebenzi kunye wokubala.

Ukubala umvuzo kufuneka isixa esipheleleyo ezibizwayo ithuba lokukhutshwa, lahlulwe ngazo 730. Isixa ingeniso ziquka zonke iintlobo yomvuzo kunye neenzuzo ukuba uMntu oKhuselwe ngeInshorensi. Imali ngenxa ligqithe iseti wovavanyo. Le mali iphezulu kuyahlukahlukana kunyaka ngamnye, ulwazi olutsha lufumaneka evela kumqeshi, okanye isebe ingxelo umbutho wakho.

Ukuba kumhlalaphantsi yomqeshwa ngaphantsi kweenyanga ezintandathu, isibhedlele ebalwa ngokususela wemivuzo. Lo mvuzo uphantsi yahluka rhoqo kakhulu, ngoko ke kufuneka ucacise le mali kwi-akhawunti.

Ukuba amava akho inshorensi ubuncinane iminyaka emi-5 - bafune intlawulo ye-avareji somvuzo ngemihla ka-60%. Ukuba ixesha inshorensi iyonke yiminyaka 5-8 - intlawulo kufuneka senziwe mali ka-80% yesixa efunekayo. Xa ixesha inshorensi, imali Ktorov kwiminyaka 8 ungafumana 100% yentlawulo yomvuzo avareji ngemihla. Musa ukulibala ukuba intlawulo epheleleyo yomvuzo avareji bafumane abasetyhini abakhulelweyo, nokuba ngamava zabo lo msebenzi ngaphantsi kweenyanga ezintandathu. Le Ngaphandle efanayo kusebenza kubasebenzi abalimele emsebenzini. Kwezi meko zombini, ixesha-inshorensi sheet esibhedlele Akukhathaliseki.

Ukuba incwadi kagqirha sele ukhutshiwe ingaphelanga inyanga enye emva kokuba ukugxothwa, unelungelo lokufumana izibonelelo zemali evela owayesakuba ngumqeshi. Isizathu sokuba ukugxothwa, kwakunye ixesha sifo kule meko awungeni ndawo. Ukuba kulo mzekelo ngaphezu kwesiqingatha imvumelwano yabasebenzi yatyikitywa umva, unako kuhlawulwa, imali leyo eya kuba-60% ye-avareji yengeniso. Ukuba umsebenzi usebenze kwinkampani for elingaphantsi kweenyanga ezintandathu, yena uyakwazi ukubala xa kuhlawulwe iiyunithi amaholo.

Khumbula ukuba inzuzo izinto ihlawulwa kuphela ukuba umqeshwa uyagula, kungekhona umntwana okanye elinye ilungu losapho.