Inshorensi Personal abemi baseRashiya.

Injongo ye-inshorensi yobomi usoloko umnqweno ukuqinisekisa ikamva ekhuselekileyo, nokuba yeemeko ebezingaziwa. Iinkampani ze-inshorensi zinika abantu, ukukhusela iimfanelo zakhe (okt ubomi, impilo, ukukhubazeka) phezu kokuvela umngcipheko kwakunye nethuba ukuqokelela imali. Ezi bezomthetho ebandakanya insurer, i-inshorensi, i-inshorensi.

Ngenxa of contract inshorensi yomntu, i-inshorensi uya kuthi, kwimeko ukwenzeka iziganeko ezithile ukuhlawula (kanye okanye ngamaxesha) isixa-mali benefits ihlawulwa kubo kumdla uMntu oKhuselwe ngeInshorensi. I insurer uhlawula isixa inshorensi ukuba i insurance premium.

Kubalulekile ukuba banikele ingqalelo ukuchaneka inshorensi lobuqu. Esi sivumelwano uluntu kwaye ibonisa ukhuseleko loluntu ngokubaluleka ngamnye. Inkampani yeinshorensi unyanzelekile ukuba aqukumbele isivumelwano nayiphi insurer sicelo kwaye uyilondoloze i-inshorensi ngexabiso iseti ngaphandle indlela ngamnye.

I kubalulekile ngokwemvumelwano ngokungqinelana st.942 Civil Code of the Russian Federation kufuneka zicaciswe kwi kwisivumelwano uMntu oKhuselwe ngeInshorensi, phezu uhlobo isiganeko benefits, ubukhulu isixa-inshorensi, ixesha lokuba semthethweni yesivumelwano.

Umntu inshorensi iya kukhutshwa ipolisi ye-inshorensi (isatifikethi, isiqinisekiso), nto leyo umnqophiso, uze uqinisekise kwenziwe isivumelwano inshorensi lobuqu.

inzuzo Insurance xa siganeko inshorensi kuthiwa mali. inshorensi Personal yabemi Russian inika naziphi na iimfuno zabemi ezinxulumene ubuntu lomntu.

-Inshorensi yakho, ngokuqhelekileyo ukuchonga ezininzi iintlobo: inshorensi yobomi, ingozi kunye inshorensi ukugula yezonyango, pension, lonyuselo.

Ukwenzeka amabango inshorensi phantsi inshorensi yobomi uchazwa umhla wokuphelelwa kwesivumelwano, apho umntu inshorensi baphila, okanye ukufa esiqinisekiselwe ixesha lesivumelwano (ngaphandle ukuzibulala kunye nezinye facts ukufa).

Inshorensi iingozi kunye nezifo zibonelelwa ukuba zeinshorensi phezu kukuvela iziganeko baphathe eziyingozi kwimpilo kwaye ibangele iindleko ezongezelelweyo: iingozi, ukugula, ukukhubazeka.

inshorensi yonyango (mandatory kwaye ngokuzithandela) - uhlobo ukhuseleko lobuqu abemi ', nto leyo evumela kwimeko yesiganeko benefits ukubonelela uncedo lwezonyango kunye amanyathelo othintelo.

inshorensi zabucala angayithatha inshorensi ifomu kunye umhlala lokonga, uphawu olwahlula nto leyo iqondo elingezantsi randomness.

inshorensi Personal eRashiya kunokuba okuzivolontiya nomyalelo.

inshorensi olugunyazisiweyo isekelwe kwi-sikhokelo yemithetho yokukhuselwa izihlwele ezibanzi Interest federal. Iintlobo ze-inshorensi enyanzelekileyo ezibonelelwa ngurhulumente: mandatory inshorensi umkhweli zabucala, inshorensi ngayo servicemen kunye neendidi kulinganiswa abemi, i-inshorensi yezempilo enyanzelekileyo, inshorensi imoto liability.

Kwimeko-inshorensi kunye naluphi na uhlobo lwe-inshorensi buqu umntu inshorensi efunekayo ukwenza intshukumo ethile ilungelo inkampani ye-inshorensi iye wala ukuhlawula i-inshorensi. Akuba efumene inkcazelo zokuqhambuka isiganeko, kufuneka beze kumchazela isiphathamandla esinegunya, ehambelana kwityala (amapolisa ezendlela yoMphathiswa Interior, likaxakeka loMphathiswa, i-Ofisi yoMphathiswa Interior, njalo njalo). Ngosuku olufanayo ukuba azise kwinkampani ye-inshorensi ngengozi, iintsuku ezimbalwa ukuba ikhuphe ingxelo ebhaliweyo. I-inshorensi kufuneka uluhlu lwamaxwebhu afunekayo thaca kwinkampani ye-inshorensi ukuba intlawulo yesondlo.