Documents ari yomutero yaanobhadhara mazino kurapwa. Yomutero yaanobhadhara muchibereko mazino

Kunenge kuti vakawanda vakanzwa kuti kana kutenga mishonga kana mishonga mumwechete zino vangawanazve chikamu chemari, asi kwete vose anoziva zvokuita, uye pane chikonzero kuti chii kubva muzana kudzoka. Izvi zvinogona kuitwa pachishandiswa yomutero yaanobhadhara. Chii uye sei kuti ndiwane mari shure nokuda mazino kunorapwa, isu funga pazasi.

Pfungwa yomutero yaanobhadhara

Saka tinoti kuti chikamu mari ane mugari, iyo pasi pemurairo haagoni kunonyorwa. Kureva, kana munhu pamutemo vakashandisa uye inobhadhara nehurumende imwe mari nguva dzose pamwe zvakaoma dzavo, akakodzera kuti adzikunure uwandu 13% yakawandisa pakurapa pachako kana mumwe nevemumhuri dzavo. Uyewo vanofanira kugadzirira pachine magwaro kuti yomutero yaanobhadhara. Nokuti pakurapa mazino uye zvimwe zvirwere iwe ingava panguva imwe chete nayo dzinounzwa imwe mari. Muenzaniso wayo kukarukureta, tinopa zvishoma gare gare acho.

Mune zvimwe zviitiko, zvinoita rinovimba yomutero yaanobhadhara kuti mazino kurapwa

How kubata mazino ako akasununguka kana kanenge aine dhisikaundi akanaka? mubvunzo uyu ndiye zvirokwazvo ichifarirwa nevakawanda, tichifunga kuti unhu mazino care - kwete yakachipa pashiri.

Saka, ndiani anogona kutarisira kugamuchira mutero yokumbozorora?

• Persons vanenge inobhadharwa mabasa mu outano mu Russia, kana vari muboka chaiyo list, iyo wakakodzera pasi kukurukurwa kubatsirwa, uye kana tsika apo kurapwa kuri marezenisi.
• Munhu rinoratidza kuti premiums maererano nokuzvidira utano inishuwarenzi pachavo uye hama dzavo.

Sezvingatarisirwa, vose zvinyorwa zviri yomutero yaanobhadhara mazino kurapwa anofanira kuva muruoko munhu kuti asimbise kodzero yavo kuti dhisikaundi.

Sei huwandu muripo

Mubvunzo unotevera, riri zvechokwadi vagari vanofarira - inyaya mari. How kuverenga uye ape mutero dzosera pamusoro mazino kurapwa? Chokutanga, tora Kutarira nzira nokuda Pakusarudza runodiwa uwandu.

Saka, vakawanda, pane wako mari mutero, haafaniri kuverenga, yeuka izvi. The zvachose Ukuru iyo inogona kudzokera, ndiyo 15.600 rubles, asi kwete kupfuura 13% of zvachose mutengo chipepa. The kunonyanyisa Kuwanda iro mutero hauonekwi - 120 zviuru rubles.

Muchiitiko chino, zvagara kuti kukamurwa haushandi kana uchida arayire dzinodhura zvokurapa basa, apo mari achava yepamusoro zvikuru. Zvisinei, Somuenzaniso, imwe yomutero yaanobhadhara pamusoro mazino anodyara rirege kuiswawo pakati pemazita mabasa akadaro, vose vanofanira kuongororwa nachiremba panguva kiriniki.

Example mutengo kukarukureta

Somuenzaniso, iwe kuwana pamwedzi muhoro ine 25 zviuru rubles. Saizvozvowo, mari yaunowana pagore achava 300 zviuru, uye mutero pamusoro mari iri 39 zviuru, kana 13%.

Mugore yamakagarapo pamusoro pakurapa Zvisinei, 180 zviuru mazino, kupiwa chokwadi chokuti kunonyanyisa huwandu yaanobhadhara pasi wakaiswa pa kumativi zana namakumi maviri nezviviri, mubayiro wako uchava kwakafanana 15.600 rubles.

kunyoresa nzira

Saka pano pane algorithm nezviito, izvo vanoda kuwana ndaviga dhisikaundi pakushanyira dzokurapwa zvivako:

• Unganidzai zvose zvinyorwa zviri yomutero yaanobhadhara mazino kurapa (mazita zvichakurukurwa pazasi) uye nechokwadi maBhaibheri avo;
• Nyatsofunga mutero richadzokera pamusoro rinokosha uye nyora runoenzanirana kushanda;
• Uyai zvinyorwa zvose kune miganhu mutero simba, kana oga kana tumira vaipupurirwa tsamba;
• kumirira kusvikira vamiririri zviremera kuziva mashoko ose pasi nemi mukufamba mwedzi mitatu, pashure yamuchakwanisa nezvokudzokera zvakanyorwa;
• Kana kusarudza zvakanaka, nhoroondo yako kune mari kuti unogona kupedza kurapwa.

Zvaida mazita kuchengetedzeka

Documents ari yomutero yaanobhadhara mazino kurapwa vanofanira kugadzirira zvinotevera:

• Declaration panyaya yokubhadhara mitero;
• National pasipoti uye kopi mapeji huru;
• mari gwaro kubva mushandirwi (kana washanda kwegore mune nzvimbo shoma, kuukumbira nomumwe wavo);
• chikumbiro nekuda kudzoka mutero;
• chitupa mubhadharo pamabasa kuchipatara, iro riri kubatwa;
• kubata pamwe navanachiremba sangano kuti urongwa mabasa;
• kopi rezinesi dentistry.

Muzviitiko apo pane yaanobhadhara yakaitwa musi inishuwarenzi yokuzvidira wezvokurapa kunodiwa uye gwara magwaro, izvo mbisa chokwadi kuti muripo nguva dzose premiums, uyewo kopi rezinesi.

Kana marapirwo anotumirwa kuti nhengo yemhuri, uchada zvitupa zvokuberekwa (kune mwana) kana kopi muchato (kana mumwe murume).

Compensating nokuti mazino anodyara

avo uyo akagamuchira yomutero yaanobhadhara mazino kurapwa, vanoti kuti pane mukana kudzokera mari vazhinji nzira, kusanganisira kugadzwa anodyara. basa iri riri dentistry chimwe chezvinhu zvinodhura, saka mubvunzo yawo haasaruri muripo haagoni kuva zvinogona varwere vanofarira.

Pane zvakarongwa dzinodhura kurapwa, kukwana mutsividzo kuti yomutero yaanobhadhara haringorevi Verengai 15 miriyoni, pane pfungwa replantation, prosthesis muchibereko uye simbi ezvirevo pachishandiswa paunogona vanoedza kudzikamisa dzinodhura muitiro. Chokwadi, zvinhu zvose zviri kwakasarudzwa nomunhu, asi edza zvakakodzera.

Chii nokurapwa inozviisa muripo tichiregeredza yomutero yaanobhadhara

Unogona aoma kubhadhara mutengo zvinotevera mhando mabasa, pasinei totaura mazino kana zvimwe kurapwa nzvimbo:

• chirwere uye kurapwa akumbirwa amburenzi;
• kudzivirira uye kunaya varwere, uyewo kuongorora;
• kurapwa kana kuwana nhoroondo yomunhu nyanzvi;
• Spa kurapwa;
• dzidzo utano.

Kurasikirwa kodzero zvikomborero pahwaro yomutero yaanobhadhara

Kune zvinhu zvakawanda apo zvaizopedza muripo saizvozvi haangavi nokurapwa, pakati pavo:

• kana munhu ari munhu entrepreneur, uye ake mari haina kutereswa pa 13%, uye zvakawanda kana zvishoma;
• kana kukiriniki hausi rezinesi;
• kutenga mishonga haana kuiswawo pakati yakabvuma mazita mutemo;
• kana kodzero yaanobhadhara kwave rakapa panguva isiri nguva (unogona kuishandisa chete kwemakore matatu kubva musi kuripwa nokurapwa).

Vangani nguva unogona kushandisa izvi kubatsira

Zvikuru sezvingatarisirwa, yepanyama mubvunzo ndiwo kangani unogona kushandisa kodzero kubhadhara mari kurapa iri zvishomanana mutero-deductible. Mhinduro iri nyore: ropafadzo chinonzi kamwe pagore, hazvinei kangani paunenge kushandisa kuti chiremba wemazino kana kuwana zvimwe zvinodhaka.

Asati kushandisa chirongwa ichi, tapota verenga mashoko uye mamiriro, iva nechokwadi chokuti unogona kuverenga pamusoro nekuripira mabatirwo ichi.

Mhinduro zvakafanana mibvunzo pamusoro yomutero yaanobhadhara

Chokwadi, mibvunzo pamusoro penyaya iyi ichiri achava kwazvo. Heano mhinduro yakajairika ndivo kuti kujekesa nechokwadi zhinji:

• mubereki anekodzero kubhadhara pakurapa mwana, kufungisisa mutero kubatsirwa chete kusvika makore 18;
• ari pamazita dzemhuri, nokurapwa ringaita zvishoma kudzikinurwa, kwete zvaisanganisira varumudzani nevana chete pasi nemakore 18, madzimai kana vabereki;
• kurapwa rinoshandurwa kunze Russian Federation nenzira yakadaro kuti ubatanidzwewo ripa hazviiti;
• kutenga mishonga anogona kuitwa musi zvaunoda hwaro chete pasi bedzi, kana vakanga ushandiswe nachiremba kuti mushonga;
• prosthetics zvinodhura haina kuiswawo pakati pemazita kwokurapa anodhura uye hadzigoni kudzikinurwa kupfuura kuwanda 15.600 rubles;
• haugoni kushandisa basa kana uri pasina kuti basa kana kuti kuva nomumwe Entrepreneurs;
• pensioners ichi zvinobatsira kushandiswa kodzero havasi, nekuti havasi kubhadhara mari mutero, asi vanogona kubatsira vana vane izvozvo.

Saka, takadzidza kuti ichi ndicho nyaya muripo sechinhu yomutero yaanobhadhara mazino kurapwa uye chii magwaro dzinofanira kuzviisa pasi simba rakakodzera. Uyezve, zvino unoziva mhando abhadhare nokurapwa anogona ndanyarara hangu uye sei.