Inshorensi yempilo: Yintoni le nkqubo?

Ukuza kuthi ga ngoku, wonke umntu ukususela ekuzalweni kufuneka ukuba umgaqo-inshorensi yezonyango. Kodwa ngaba ukhe wacinga yintoni inikeza iqinisekisa? Yaye jikelele, yintoni na le nkqubo? Makhe sijonge le miba.

lwesigama

Ekuqaleni, kufuneka uqonde kota. Makhe ukucacisa intsingiselo "umgaqo-nkqubo". Ukususela kwikota lesiGrike amandulo ngokoqobo bubonakala "isixeko". Libonisa ilizwi indlela ekhethekileyo intlangano zopolitiko ezentlalo nezoqoqosho yoluntu, nto leyo uphawu Greece yamandulo Italy. Kwakhona umgaqo-nkqubo (yaguqulelwa isuka French lithetha "ukufunyanwa ukuvuma") - uxwebhu esiqinisekisa kokugqitywa mvumelwano zombini ukhuseleko lobuqu eziphathekayo. Kukho nenye kota. nkqubo jikelele - uxwebhu inshorensi elinika iinkonzo inshorensi ngendlela.

OMC e Russia

inshorensi yonyango ezinyanzelekileyo - oku kuyinxalenye yenkqubo karhulumente ukuba lweenkonzo zentlalo. Ke iqinisekisa amathuba afanayo ukufumana ichiza, kunye nonyango. Le nkonzo simi bephuma mali MHI kangangoko kuyimfuneko ukuba athobele iinkqubo zikarhulumente. Ukufunda lo mbuzo, "yintoni le nkqubo" kufuneka ukuthetha kancinane malunga emdeni izenzo zakhe. I-Russian -inshorensi yezempilo mandatory udidi iveliswa phantsi komthetho federal, evunyiweyo 29.11.2010 ngonyaka. umthetho Russian umisela ukuba wonke ummi ento nkqubo MHI, unelungelo lokufumana unyango kulo lonke elo lizwe ngokupheleleyo simahla mali karhulumente esisiseko ye-nkqubo. Ke ukuba lo mgaqo-nkqubo ikhutshwa kwi kummandla imimandla Russian, ngokungqinelana ne-sikhokelo lemigaqo kwindawo ethile. Imali esisiseko iya kuvunywa RF uRhulumente imida iNkqubo likaRhulumente nokuqinisekiso ukubonelelwa unyango simahla kubemi. Kwiingingqi ngokusekelwe zawo yaye yavunywa yi imihlaba yohlobo lwengingqi MLA. Ezi program akufunekanga ibe ngaphantsi kwe umthamo kunye neendidi inkqubo Basic. Kodwa isixa sendawo singaquka ezizodwa iintlobo unyango, ezinikezelwa yi mxholo Russian Federation. Ukusuka konke oku sinokugqiba ukuba nawuphi na ummi Russian inshorensi phantsi MLA kummandla, unelungelo lokufumana ukhathalelo lwempilo zibe ngumqulu enkulu (ukuba ikhankanyiwe kwiprogram kagunyaziwe) kunye nobungakanani ezicaciswe kule program Basic, ukuba kwi indawo yezinye imimandla yelizwe.

inshorensi yonyango Voluntary

Ngoku makhe sibone ukuba yintoni na VHI? Yintoni na ukuba? Olu hlobo nkqubo - na uhlobo inshorensi ngamnye, likuvumela ukuba ukufumana unyango kumaziko kwiindawo zonyango kunye umbala engafakwanga program OMC. inshorensi ngokuzithandela yohlulwe ngokweendidi 2: ezidityanelweyo nezomntu. Kwimeko yokuqala, sithabathela ingqalelo ukuba umngcipheko zizifo ezahlukahlukeneyo kwiqela labantu. Kwaye inshorensi ngamnye Azigubungele ukuntsonkotha sisifo esithile umntu othile. Kulo mzekelo, njengoko namaqumrhu abonelela ngeenkonzo, igqwetha lejaji okanye abantu emzimbeni (inkqubo ngamnye) okanye abaqeshi (kuba iinkqubo ezihlangeneyo). Xa indima abemi insured izinto.

Ukhuselo kunye nokuphakanyiswa kwamalungelo abantu inshorensi

Ukufunda lo mbuzo, "yintoni le nkqubo" kufuneka sinikele ingqalelo ekhethekileyo ukukhusela nokukhuthaza amalungelo Abantu abaKhuselwe ngeInshorensi. Ngokutsho komthetho Russian, olu hlobo ukhuseleko bekwi:

1. Yomqeshi.
2. Executive okanye yowiso-mthetho kwimimandla Russian Federation.
3. Ukuxhasa amaxabiso indawo CHI.
4. Insurance amaziko onyango kunye noluntu lwabo.
5. abasemagunyeni ulawulo lwempilo.
6. izibonelelo-uhlobo professional Medical.
7. Izibhedlele.
8. I Antimonopoly Committee and iOfisi yoMtshutshisi.
9. Roszdravnadzor.
10. Izifundo kokuhlaliswa kwezomthetho pre-nezigwebo iimbambano.

Ngoko safunda ukuba umgaqo-nkqubo MHI, kutheni na ezifunekayo zeziphi na iintlobo eziphambili inshorensi yabemi.