"MAX" (inkampani ye-inshorensi): ncomo. ZAO "maks" - inkampani yeinshorensi

I-ZAO MAX (inkampani yomshuwalense) yasungulwa ngo-1992. I Nkampani yenza imisebenzi kuzo zonke iintlobo eziphambili ze-inshorensi yokuzikhethela kunye nokunyanzeliswa. Imisebenzi iqhutyelwa kuwo onke amaqumrhu aseburhulumenteni baseRashiya ngokuhambelana nomthetho okhoyo. I-IC "MAX" (i-ofisi ephambili eMoscow) kwiwebhusayithi yayo esemthethweni inika yonke ingcaciso ebalulekileyo. Iinkcukacha zingafundwa ngabani na abanomdla kwiinkonzo zawo. Uluhlu lweeofisi kwisixeko sakho luya kukuvumela ukuba uhambe ngokukhawuleza kwaye uqonde apho "MAX" (inkampani yomshuwalense) ikhona. Iile dilesi zikwahlula, eziququzelela uphando.

Imisebenzi yenkampani

I-ZAO MAX, inkampani yomshuwalense, iqinisekisa ukuzithemba ekuzinzeni ishishini kunye nokukhuselwa kwempilo yabemi baseRussia, kwaye ikulungele ukucinga imali, impahla kunye nezinye izingozi. Injongo yeqhinga kukuhlala kwiindawo ezikhokelela kwimarike yomshuwalense yaseRussian Federation.

Inkampani ikulungele ukuqinisekisa:

1. Kubaxhasi - ukuqinisekisa umgangatho ophezulu wenkonzo, indlela yokuzimela, ngokuqwalasela iimfuno zaso nasiphi na isiqinisekiso.
2. Amaqabane - iziqinisekiso zentsebenziswano encedisayo.
3. Kubasebenzi - ubuninzi bokwenene ekuphunyezweni kweenjongo zabo zobomi, ukuzithemba ngekamva, ithuba lokukhula kobugcisa. Imisebenzi yenkampani ijolise ekuqiniseni uqoqosho lwaseRussia, ukuqinisekisa ukukhula kwetempile yaseRussia kwibala lehlabathi.

Neenzuzo zenkampani

Njengeenkokeli kwishishini layo, umbutho unikezela ngeenombolo eziqinisekileyo kunye nezibonelelo ezixhamlekileyo.

Izinzuzo zenkampani azikhumbuli:

• I-Agent RA yesazi iqinisekisile umfanekiso ophezulu weshishini we-IC MAKS, inika ubungakanani be-A ++, obonisa le nkampani njengenye yezona zithembekileyo nezizinzile.
• I-IC "MAX" inezinga eliphezulu kakhulu lozinzo lwezemali, iimpahla ezibonakalayo, kunye namaqabane athembekileyo kwishishini lomshuwalense. Siyabulela kule miba, uyayigcina yonke imbopheleleko ephathekayo kwi-insured, ebenza ngokupheleleyo.
• Kwindwendwe nganye, abasebenzi beenkampani zomshuwalense we-MAKS bafumana indlela yokuzimela. Ngenxa yolu hlobo, iinkonzo ze-inshurensi zenkampani zihlaziywa rhoqo kwaye zongezelelwa. Konke oku kwenziwa ukwenzela ukuba ngcono ukuqwalasela iimfuno neempawu zezivakashi ngamnye. Phakathi kwezinye izinto, abathengi bazisa rhoqo iinkqubo ezizodwa, ukukhushulwa okuhlukeneyo kunye nezibonelelo ezikhangayo ezivela kwi-MAKS (inkampani yomshuwalense). Iilesi zeofisi zinikezelwa kwiwebsite yenkampani ukuze kube lula kubaxumi.
• Kwinkampani yomshuwalense "MAX" kuphela abasebenzi abaqeqeshiweyo kakhulu abasebenzi. Oku kuqinisekiswa yinyaniso yokuba amagama abaphathi abaphezulu bavela kwi-TOP-uluhlu lwabaqeqeshi becandelo lezemali laseRashiya minyaka yonke.
• Ukuze ukwandise umgangatho weenkonzo zabathengi, inkqubo ye-SMS-notification, inkqubo yokubeka iliso, kunye neCandelo lokuLawula iMigangatho ye-IC MAX isebenza. Ifowuni enikezelwe isaziso ayibonakaliswe kumaqela esithathu.
• Ukusebenzisa ubuchwephesha obutsha kukuvumela ukuba wenze ngokuzenzekelayo inkqubo yokubhaliswa kwe-inshorensi, kunye nenkxaso yabo. Phakathi kwezinye izinto, i-IC "MAX" isebenzisa inkqubo yolwazi oludibeneyo evumela abasebenzi bayo ukuba batshintshe rhoqo ulwazi olusesikweni kwiimvumelwano zomshuwalense. Kwisayithi kukho ithuba lokusebenzisa i-calculator ye-intanethi (umzekelo, inshorensi ye-OSAGO). I-MAKS yinkampani ekhathalela abathengi bayo, ngokuqhubekayo ihambisa iinkonzo ezintsha.
• Iyunivesithi yenkampani yomshuwalense. Apha, umthengi ngamnye unokuzikhethela zonke iimveliso zomshuwalense eziyimfuneko - iinkonzo ezinxulumene nokuthutha, ukhenketho, ishishini. Intshumo yomshuwalense wemoto enokwenzeka. I-MAKS inikezela ngeenkonzo zombini yomshuwalense ogunyazisiweyo kunye nokuzithandela.
• Ukubanzi okubanzi kwengingqi. Kwimimandla nganye yaseRashiya, unokufumana iofisi okanye i-ofisi yee-MAKS (inkampani yomshuwalense), ukuhlaziywa kwazo ezihlala zilungile.
• Ubukho bezinga eliphezulu lezentlalo. Xanduva. Inkonzo ye-inshorensi isoloko isinceda indawo yokuhlala kunye namaziko emfundo, inikeza uncedo lwezemali kwiicawa ze-orthodox kunye noluntu, unikeza inkxaso ngenkxaso kwimibutho eyahlukeneyo yoluntu, kunye nabanye abemi abahluphekileyo.
• Inkampani ngokuphindaphindiweyo yaba ngumvuzo wamabhaso anjenge "Sambuli yeSiliva", "i-Silver elite yaseRashiya", "i-Golden Salamander" "i-Olympic Financial".
• I-MAKS iyinxaxheba ebambe iqhaza kwimarike yomshuwalense waseRashiya. Akangabandakanyeli kuphela kwimibutho yabatshutshisi, kodwa wenza njengomsekeli wabo abaninzi. Phakathi kwezinye izinto, i-MAKS ithatha inyathelo ekuphuhliseni izenzo zomthetho ezijolise ekuphuculeni nasekuphuculeni imboni ye-inshorensi yelizwe.
• Okwangoku, abathengi bekampani yomshuwalense ye-MAKS bangaphezu kwezigidi ezingama-30 zabantu kunye nemibutho engaphezu kwe-100 yamawaka eqhuba imisebenzi yawo kumacandelo ahlukeneyo kwezoqoqosho zanamhlanje.

Uluhlu lweenkonzo ezibonelelwe lukhulu kakhulu, kwaye imimiselo, ewe, iyona ekhangayo kakhulu. Iinkonzo zenziwa kuzo zonke iiofisi ezimele "MAX". Inkampani yomshuwalense (eKrasnodar, eMoscow nakweminye imimandla) ilungele ukubonelela ngembuyekezo kubaxhasi.

Izifo kunye neengozi

Ukuze kunikezelwe isinxephezelo semali kumqeshwa wekampani,
Ngubani ofumene intlungu yoshishino okanye ngubani oye waba yinxaxheba kwengozi, umgaqo-nkqubo we-inshorensi ujoliswe. Ikuvumela ukuba uhlawule iindleko zonyango (ngokulahlekelwa amandla okusebenza) okanye ukungcwaba (xa kwenzeka ukufa). Olu hlobo lwe-inshorensi luyimfuneko (kumashishini angomthetho) kunye nokuzithandela (kubantu ngabanye) kwaye inokwenziwa kwi-IC "MAKS". Orenburg, eMoscow okanye omnye umzi-inkampani iyavuya ukubonelela ngeenkonzo zayo.

Inshshurensi yonyango kubasebenzi bemibutho kunye nabantu ngabanye

Enye yeentlobo zokukhuselwa koluntu kubantu bentengiso yomshuwalense kubasebenzi beenkampani kunye nabantu ngabanye. Ilungiselela ukubonelelwa ngoncedo lwezonyango ngexabiso lemali eqokelelwayo (eyakhe okanye imeko). Intshuwalense yezempilo ingaba yinto yokuzithandela, xa iminikelo phantsi kwekhontrakthi ye-inshorensi ihlawulwa ngumntu, okanye inyanzelekileyo, enika inkxaso ngemali evela kwiimali zikawonkewonke.

Izithuthi eziphantsi (ngaphandle kwezothutho lweendlela)

Ukuhlawula umonakalo kwiminqweno yomhlaba we-inshurensi kunye nokuhambelana nemisebenzi enxulumene nokuthutha umhlaba (ngaphandle kweloliwe), inkontileka yomshuwalense yezithuthi zomhlaba inikwa. Ikuvumela ukuba uhlawule ukulahlekelwa kwemali ehambelana nokulungiswa, ukubuyiswa okanye ukulahlekelwa kwesithuthi. Ngokuxhomekeka kwinqanaba lecala le-insured kunye nemigqaliselo yesivumelwano, ukubuyiswa okupheleleyo okanye okuncinci kwexabiso kunokukwenziwa.

Uthutho loliwe

Kwiimeko apho kungumbuzo wokukhuselwa kwemali yokuthutha izithuthi, kunye nokuhlawulwa kwemonakalo eyabangelwa yizintlu zeenqwelo, ukuxubha kunye nezinye iimeko eziphuthumayo, kufuneka umgaqo-inshurensi umgaqo-nkqubo we-othutho. Kuya kuvumela ukuhlawula ngokupheleleyo okanye ukuhlawulela ngokukodwa umonakalo wezinto eziphathekayo, kwaye kuya kuba sesinye isiqinisekiso esongezelelweyo sokhuseleko lothutho loliwe.

Zithuthi

Ukuze umnini okanye umqeshi weenqwelo-moya ukuba afumane imbuyekezo yempahla xa kwenzeka ukulahleka, umonakalo okanye ukutshabalalisa le ndlela yokuthutha, uya kufuna umgaqo-nkqubo we-inshorensi wokuthutha umoya. Ngokuxhomekeke kwiminqweno yomnini-nkqubo, umgaqo-inshorensi unokubandakanya zombini owona mkhulu (ukutshatyalaliswa, ukutshabalaliswa kweenqanawa) kunye nolongezelelweyo (umonakalo, iinkonzo zokuhlangula) izinto.

Izithuthi zamanzi

Umgaqo-nkqubo we-inshorensi wezithuthi zamanzi (ngamanye amagama, i-CASCO) yenzelwe ukuba umnini-nqanawa azuze umvuzo ngenxa yomonakalo owenzelwe ukuthutha xa kwenzeka ukuwa, ukubhujiswa okanye ezinye iziganeko. Kufuneka kuqatshelwe ukuba xa uqinisekisa ukuthuthwa kwamanzi, umgaqo-nkqubo usebenza kuphela kwinqanawa ngokwawo, ngaphandle kwe-inshurensi yempahla eqhutywe kuyo.

Ukuqinisekisa ukhuseleko lwempahla eyahlukeneyo

Inqubomgomo yomshuwalense ukuqinisekisa ukukhuseleko kwempahla eyahlukeneyo (ngamanye amagama, i-CARGO) ijoliswe kulabo baxhomekeke kwindlela ethile yokuthuthwa kwempahla. Ngaloo ndlela, ukuba ngexesha lokuthutha imithwalo ngenye yeendlela zokuthutha isiganeko senzekile eyenza umonakalo womninimzi (umonakalo, ukulahleka, ukutshatyalaliswa kwempahla), unelungelo lokufumana intlawulo ehlawulwe ngokusekelwe kwisivumelwano somshuwalense.

I-inshurensi kwicandelo lezolimo (ukuvuna, imfuyo, izityalo zezolimo)

Inshshurensi kwicandelo lezolimo, okanye i-inshurensi yezolimo, ifanelekileyo kwiimeko xa umnini okanye umqeshi wefama efuna ukuzikhusela kwimpembelelo engafanelekanga yenguqu ehlukeneyo yendalo kunye neyemozulu engonakalisa izityalo okanye izityalo. Ngaloo ndlela, unelungelo lokufumana intlawulo (kwimeko yokuqhwala, i-avalanche, isichotho kunye nezinye iziganeko ezibangele ukulimala kwempahla) kwinkampani ye-MAKS. Inkampani yomshuwalense (nokuba i-Krasnodar, okanye esinye isixeko) iya kunika inkxaso ngenkqubela.

Ukukhuselwa kwepropati yamashishini angomthetho (ngaphandle kwezothutho kunye nezolimo)

Kwimeko apho abashishini kunye nezinye izinto ezisemthethweni zifuna ukukhusela impahla yabo (impahla yangempela, izixhobo, njl.) Ukusuka kwimimandla eyahlukeneyo okanye ukufumana umvuzo wempahla xa kwenzeka umonakalo kule propati, kufuneka bagqibe isivumelwano se-inshurensi yempahla yezomthetho (ngaphandle Zothutho kunye nezolimo). Into enesi sivumelwano ingaba nayiphina impahla, ngaphandle kwepropati engentla.

Ukukhuselwa kwepropati yabantu

Ukuze umntu afanelekele ukufumana imbuyekezo yempahla ngomonakalo obangelwa kwipropati yakhe ngamalungu esithathu okanye isiganeko (umkhukula, umlilo), kufuneka agqibe isivumelwano se- inshurensi yomntu ngamnye. Into yayo ingaba nayiphina impahla enexabiso elibonakalayo, ngaphandle kwezithuthi.

Ukukhuselwa kwabanikazi bemoto

Inqubomgomo yomshuwalense kubanini bemoto (inshuwalense yemfanelo) ibhekisela kwiindidi ze-inshorensi enyanzelekileyo. Lo mgaqo-nkqubo kufuneka ube nawo bonke abanikazi bemoto, olawulwa ngokucacileyo ngumthetho okhoyo. Injongo ephambili yomgaqo-nkqubo ngumvuzo wokulimala umonakalo xa kwenzeka isiganeko esiqinisekisiwe (esona sisoloko sengozi).

Ukukhuselwa kwezothutho lwamanzi

Kwizo meko xa kuziwa ekuthuthweni kwamanzi, abanikazi babo (abaqeshi, abasebenzisi) kufuneka baqukumbele isivumelwano se-inshurensi yemfanelo yabanini bezithuthi zamanzi. Ngenxa yalomgaqo-nkqubo, abagibeli kunye nabanikazi beempahla banokubhenela imbuyekezo yempahla yomonakalo okanye umonakalo obangelwe kubo. Olu hlobo lwe-inshorensi luyimfuneko.

Kwiinkampani zomthetho xa usebenzisa izinto eziyingozi ngamabomu

Inqubomgomo yomshuwalense yamashishini angomthetho esebenzisa izakhiwo eziyingozi iyimfuneko kulawo ma shishini okanye imibutho esebenzisa izixhobo okanye ubuchwepheshe obunokulimaza indawo okanye abantu abahlala kwindawo yokusebenza kwezi ndawo. Oku kubandakanya ukumbiwa kweemigodi, izinto zeshishini le-metallurgical, ukusetyenziswa kweekranes, iibhoyili eziqhuba phantsi koxinzelelo oluphezulu kunye nezinye izakhiwo eziyingozi.

Ukuba iinkonzo azinikezelwa okanye ukuba kukho ukungahambi kwempahla

Kwiimeko apho kukho umngcipheko ukuba iimpahla okanye iinkonzo eziyimfuneko kwimveliso okanye kwimisebenzi yenkampani inokuhanjiswa ngexesha elingafanelekanga okanye ngokungekho ngokupheleleyo, i-inshorensi evela kwintlekele ngokungaphumeleli ukubonelela ngeenkonzo okanye ukungabikho kwempahla (uxanduva lwabantu) . Ngokuhambelana nemimiselo yesivumelwano, umnini-mgaqo-nkqubo uza kukwazi ukufumana umonakalo obangelwa nguye iqabane okanye umthengisi.

Xa kuphazamisa amaqela esithathu (uxanduva lomntu)

Zonke izibambiso zomthetho ezinokuthi zonakalise abantu besithathu zibophezelekile ukuba zibuyiselwe ngokupheleleyo. Oku kulawulwa ngumthetho okwangoku kwaye ingxoxo enkulu yokugqiba isivumelwano se-inshorensi yemfanelo yobundlobongela yokulimaza abantu besithathu. Ngaloo ndlela, xa kwenzeka isiganeko esiqinisekisiwe, abaxhamli banokufumana umonakalo okhethekileyo okanye opheleleyo ngokuhambelana nemimiselo yesivumelwano esiqitywe yinkampani yomshuwalense kunye nabashuseli.

Ukuba izibophelelo zenziwa ngokungafanelekanga okanye ngokuthe ngqo

Inqubomgomo yomshuwalense yokukhusela ekuzalisekeni okungafanelekanga okanye okungazalwanga kwezibophelelo phantsi kwesivumelwano esipheleleyo (uxanduva lomntu) singabinikela ngokuzithandela kwaye kunyanzelekile. Ngokomzekelo, kwiimeko xa kuziwa kubaphuhlisi abajongene nokuhanjiswa kwezinto ngexesha elifanelekileyo, i-inshurensi eqhotyoshelweyo iyaqhubeka. Ngokumalunga neemeko apho umzuzi-mgcini-nkqubo, ngoko-ke kuthethwa ngomshuwalense wokuzithandela, ovumela inhlangano ukuba ikhusele kwilahleko ezingadingekile.

Ininshurensi yemingcipheko shishino

Nawuphi na umsebenzi wokurhweba, enye indlela okanye enye, inxulumene nobungozi - ngaphezulu okanye ngaphantsi. Ukuze iinkampani zomthetho zifumane imbuyekezo, kufuneka zenze isivumelwano se-inshurensi yengozi yamashishini. Enye yezona mzekelo zibalaseleyo zecala le-inshorensi yimeko yexesha lokuchitha ixesha ngenxa yezinto ezithile zendalo. Umzekelo, xa zonke iitshini kunye nezixhobo zixhunyiwe ngenxa yokuphuma kwamandla. Kwale meko, i-IC "MAX" iya kunceda. EMoscow, eKrasnodar, kwezinye iindawo zaseRashiya - abacebisi abanamava balinde kuwe yonke indawo.

Izingozi zemali

Inshshurensi yemingcipheko yemali ivumela abarhwebi kunye nabanini bamashishini amakhulu ukuba bazikhusele kwiimeko ezinzima zokutshintsha kwezemali. Phakathi kwezinye izinto, kungase kube yingozi yokungabikho kwemali yemali okanye iimali-mboleko. Siyabulela kule hlobo lomshuwalense, imibutho yeebhanki kunye neebhanki ziyakwazi ukuzikhusela kwiimeko apho abathengi abanakho ukuhlawula imali yetyala, oko kuthetha ukuba iziko lezemali lenza ilahleko. I-inshurensi ye-MAK isiqinisekiso sokuthembeka.

Kubasebenzi bezothutho

Olunye uhlobo lwe-inshorensi enyanzelekileyo ngumgaqo wabasebenzi beendlela zokuhamba (umthwalo-mboleko) ukuze kubangelwe nayiphi na ingozi kubagibeli. Umzekelo, ukuba omnye wabagibeli bezothutho lukawonkewonke unobungozi, unelungelo lokufuna umvuzo kumphathi. Inkontileka yomshuwalense yinyanzeliso yinto enesiqinisekiso sokuthi umphathi uya kuzalisekisa uxanduva lwakhe kwixhoba aze abuyisele kumonakalo obangelwe.

MAX (inkampani yomshuwalense): ukuphononongwa

Njengomthetho jikelele, i elide inkampani kwimarike, kokukhona kubaxhasi bakhe. Ngokuphathelele "MAX" (inkampani ye-inshorensi), nto leyo izimvo ngasekhohlo ngabathengi nombulelo, nto - akukho ngaphandle. Kukho isixa esikhulu ingxelo eyakhayo kunye namazwi lombulelo ezivela abantu amaqumrhu asemthethweni idilesi yayo. Inani elikhulu labantu bazi ukuba "MAX" - inkampani yeinshorensi, nto leyo kwakhona ngomsindo kwiingingqi ezahlukeneyo eRashiya. Bonke asixelela ukuba lo mbutho unoxanduva kweemfanelo zalo, usoloko ekwenza oko kubo.