Ngubani pholisi, ngomshuwalense? Ezinye imiqondo kusukela sphere umshwalense

imisebenzi Insurance, sonke ngandlela-thile njalo nazo. Kodwa akubona bonke abantu Ungasingatha, noma ngisho ukuchaza nemiqondo eyisisekelo elisetshenziswa inkontileka umshwalense, futhi ukubiza up isimo sayo njengomholi ulimi zomthetho. Lesi sihloko ngeke ukhulume futhi ukuthi kushiwoni welithi "umshuwalense", "umshwalense", "pholisi", njll, Yikuphi nemalungelo kanye netibopho kukhona emaphathini nezinye amaphuzu abalulekile.

Umqondo oVikelwe

OVikelwe - esisemthethweni (inkampani noma usomabhizinisi ngabanye) noma umuntu qobo iphetha inkampani yomshuwalense inkontileka umshwalense. Pholisi kungaba ukuthathelwa umshuwalense konke: ezempilo, impahla, imoto, inja, ukumamatheka, njll ...

Uyini Ikhodi oVikelwe

Lo mqondo okuthukelayo bezwa abantu, futhi abaningi ikakhulukazi ungazi ukuthi kusho. Cipher oVikelwe - ukulandelana kwezinombolo, okuyinto ephawula Umelekeleli futhi wabonisa esigabeni isihloko ifomu 4-FSS (ngesimo umbiko ngekota i-Social Insurance Fund). Cipher ivumela Isikhwama ukuthola ulwazi mayelana ngubani pholisi, futhi amabhidi, okumele ugxile eqoqweni izinkokhelo kusukela umshwalense. Can ukucacisa ikhodi yabo ngokukhuluma lwemibhalo Ciphers izinkampani zomshuwalense ezisebusweni № izicelo 1, 2 no-3 ukwakha ngokugcwalisa Inqubo 4 FSS ngokulandelana. inombolo ngayinye ikhodi kuhlanganisa izingxenye ezintathu: 000/00/00. Ake baqonde ukuthi ngamunye wabo.

• Eyokuqala namadijithi angu-3 zinqunywa uhlobo umsebenzi.

• Ingxenye yesibili ikhodi yamadijithi 2 libhekisela esibonisa umbuso intela.

• Ingxenye yesithathu ichaza cipher yomkhokhi umthombo dolobha.

Uma idatha lokukhokha komunye oyedwa ukuthi uyashintsha (umthombo dolobha, uhlobo umsebenzi, umbuso intela), khona-ke ukushintsha ikhodi, futhi insured.

Umqondo we umshwalense

Kanye yombuzo "Ngubani lo umshwalense?", A umbuzo ofanayo eminyakeni engaba ngomshuwalense abantu abaningi ngokuvamile abanalo impendulo. Ngakho, lo umshwalense - ehlangothini lwesibili kuthengiselana umshwalense, inkampani eholela emsebenzini ophathelene nezimali umshwalense okuthile, onelayisensi, abese eqala isibopho sokubuyisela umonakalo ezivela indawo okuvela kuyo izenzakalo oVikelwe elicacisiwe inkontileka umshwalense. OVikelwe - nguye ivala ukulahlekelwa.

Amalungelo nezibopho amaqembu

Amalungelo nezibopho lomuntu ngamunye ngomshuwalense ukwazi kubalulekile. Uma kungenjalo, ungase miss imininingwane nasesikhathini esizayo ukuze uthole izinkinga ezinkulu ne ngomshuwalense.

amalungelo ngomshuwalense sika

1. Thola ukwaziswa okugcwele mayelana ngubani ngomshuwalense ukuthi ifisa ukuthathelwa umshuwalense.
2. I kwangaphambilini ubungozi isakhiwo esithile, impilo pholisi ezingaba khona. Ithuba uchwepheshe luhlolo ukuhlola izingozi. Ukwenqaba uma kwenzeka isinqumo umshwalense inexpedient.
3. Thola inkokhelo ngenxa yemisebenzi ababeyenzile umshuwalense.
4. Nokuvulwa ekujuleni imibhalo eqinisekisa okuvela kuyo umcimbi insured kanye neqiniso lokuthi uwukwenziwa ezinjalo.
5. Ukunqatshwa ekukhokheni izimali umshwalense, uma kutholakala ulwazi olungamanga database insured, noma yisikhathi, lo mthetho ukwazisa strazovschika ngengozi.
6. Uphenyo ngezimo umcimbi kwesamba kwenzeka ngaphansi kwazo, uma inkampani yomshuwalense osola ukukhwabanisa oVikelwe.
7. Ukupheliswa inkontileka sohlangothi olulodwa uma pholisi ehluleka kuya kumyalo akhokhe iminikelo (uma inkokhelo ngenxa umshwalense is esikhokhwa).

Izivumelwano ngomshuwalense

1. Ukunikeza ulwazi ngomshuwalense ngohlobo umshwalense ukuthi unesithakazelo.
2. Ukusayina inkontileka uhlobo umshwalense ukuthi umshwalense iyadingeka ngaphansi Ukulungisiswa bakwazi.
3. Ukukhokhwa isamba oVikelwe umonakalo, uma kwenzeka isenzakalo kwesamba.
4. Zobumfihlo nokuphepha idatha yomuntu siqu kwesamba.
5. I isiqondiso uchwepheshe othile ozimele ukuhlola isimo e impahla umcimbi insured kanye nokulungisa isitifiketi umshwalense esikhathini esibekwe.

amalungelo pholisi

Ngubani lo umshwalense? Lona umuntu / inkampani kumele athobele ngamalungelo wabo, noma umshwalense onelungelo elingokomthetho ukuze senqabele ukuhlinzeka amasevisi.

1. Thola ukwaziswa okugcwele mayelana service olunikezwa inkampani yomshuwalense mayelana ilayisensi inkampani.
2. Ithola izinkokhelo umshwalense ngaphansi kwemigomo ye-isaziso umcimbi insured futhi zonke ezinye izinyathelo.
3. Ukunqanyulwa yesivumelwano umshwalense kwesikhathi uma kunesidingo, futhi ukubuya premium ubuningi.
4. Njengoba ezothatha isikhundla ngomshuwalense ngokusuka kubo.
5. Ilungelo inselelo enkantolo isinqumo yokwenqaba inkampani yomshuwalense sika ukukhokha.

Izivumelwano insured

1. Ilungiselelo ukwaziswa okunokwethenjelwa futhi ephelele ngale ndaba, isihloko wokulondeka isicelo inkontileka okwalandela, kanye degree of ingozi kanye nokwenzeka umnikezi womshuwalense ukuqinisekisa ulwazi.
2. Ukukhokhwa kwemali isamba semali noma izitolimende, uma imibandela yezimvume yesivumelwano, yomshuwalense premium.
3. Isaziso inkampani yomshuwalense ngengozi ngaphakathi esikhathini asemthethweni (noma imithetho yesivumelwano) noma ukuhanjiswa okwalandela kwemibhalo ezingase ulungisisa ukubambezeleka isaziso (ilivu yokugula, travel nokunye. N.).
4. Isaziso ngomshuwalense elicacisiwe inkontileka uma isinxephezelo umonakalo enecala kwesamba umcimbi ubuso.

Umqondo umcimbi kwesamba

umcimbi insured - isimo lapho inikezwe inkontileka umshwalense noma ngumthetho, phezu okuvela ngazo inkampani yomshuwalense ubophekile ukuba ukhokhe oVikelwe inani zezimali okuthiwa laqanjwa u-kwinkontileka, ngenani eliphelele noma ngamaphesenti.

Uyini izinkokhelo umshwalense

inkokhelo Insurance (inani) - inani lemali ukuthi isimo umcimbi kwesamba inkampani uthola kusuka Stakhova pholisi. Izinkokhelo ezenziwe lapho kulotshiwe inkontileka, ubukhulu nayo kubekiwe inkontileka umshwalense.