IC "mari Bank Life Insurance": guta mari, mamiriro ezvinhu uye kuchengeteka mitemo

Life Insurance - ndiko kuchengetedza pfuma zvido vanhu chokuita hwake uye rufu. Ichi kwenguva refu uye tinofanira kugara pakati bhizimisi mhando. pamusika kupa kwete chete vechikamu basa, asiwo chikwereti masangano basa iri, kunyanya Sberbank.

About wekambani

LLC IC "nemari Bank Life Insurance" rakaumbwa muna 2014. Zviri chikamu chezvinhu PJSC "mari Bank", iro unyanzvi ari kudzivirira kodzero. Pakutanga, boka akabayira okuchengetera zvivako uye inishuwarenzi mari upenyu, ipapo chirongwa yokuzvidira kudzivirira vagari 'utano.

Nhasi boka riri pakati pamusoro matatu mumusika. Mumwedzi 9 months zviri 2015 tanga bhuku premiums vakasvika mabhiriyoni 30 rubles. Izvi, mabhiriyoni 18 rubles. unganidzwa pamusoro-refu Endowment inishuwarenzi uye inivhesitimendi. Reserves unhu totaled mabhiriyoni 55 rubles. uye mabhiriyoni 63 rubles. azvaitwa.

Inishuwarenzi kambani "nemari Bank Life Insurance" achidzivirira mabasa:

• chero pfuma vanhu uye zviri pamutemo masangano, kunze nemotokari uye okurima michina;
• wehurumende kuita;
• mabhizimisi ngozi;
• njodzi zvemari;
• tsaona;
• utano inishuwarenzi.

vanoronga

Cash kuyerera pamusoro inishuwarenzi youpenyu mune itsanangudzo zano riri sezvinotevera.

The policyholder anoita rendi kunobva mashoko chibvumirano inishuwarenzi. Izvi zvinoreva kambani kwemakore 10-20, chaitwa mari kuti vagamuchire aiwana 14-17% gore negore. Zvakakosha kuziva kuti chivimbiso kubhadhara rinowanikwa nenzira yemaitiro hakuna kuoma muzana (vol. E. Aine chivharo) uye rakasiyana nzira iyo anozivikanwa chete insurer.

Mari idzi vanowira wekutanga kuchengeterwa iri paakapiwa ari rubatso mubhengi, mune pfuma kana mugove. Pakati Purofiti vaiwana anenge 15-20% of insurer reserves zvose mari yayo, uye 80-85% kubva yeGmail.END_STRONG mazita.

Kazhinji, mari uye mari inishuwarenzi haina akagadzirirwa purofiti. zvigadzirwa izvi zvakagadzirirwa kupa rubatsiro rwemari kana zvoutano. Mapurogiramu Endowment inishuwarenzi kufukidza njodzi dzakadaro:

- Kupona kusvikira pakuguma chibvumirano;
- rufu (nokuti chero chikonzero);
- kugamuchira boka rokutanga yokuremara.

Mari nokuti chigadzirwa ichi vari kuwanda 5-10% of muripo uwandu. Ivo vanovimba zera (mukuru ari insured kunonyanya ngozi), vakadzi (vakadzi vanorarama yakareba kupfuura vanhu), ngozi akaisa maererano yasarudzwa chirongwa (chete rufu, kupona kuti mudyandigere, kutambira urema).

Credit inishuwarenzi - chaiwo chigadzirwa pamusoro musika

Kubvira 2014, vokuRussia mukana kubvisa inishuwarenzi yemutoo wezvikwereti nevatengi. Banks hazvibatsiri kumutsa prices pamusoro zvikwereti serinokosha nokuti huchachinja mutengo zvikwereti. The zvakawanda zvapedzisira mufananidzo, rezasi padanho guru adequacy. Kunyange zvazvo mitemo inishuwarenzi negwaro hachisi chinhu chinodiwa kuti issuance kuti zvikwereti, mune tsika, kuti ape zvakaoma chaizvo.

Pakatanga Mutemo wakagadziridzwa wokuita pamusoro mutengi nechikwereti kwakaitwa nhamba zvichemo shoma inishuwarenzi. Kune mumwe achitengeswa mutemo pamahombekombe mumiririri anogamuchira 50-70% of mutengo. Ichi chinhu chinokosha rine mari. Hazvishamisi kuti nyanzvi pamusika vechikamu hapana kukurumidza kudzokera mari upenyu uye utano inishuwarenzi. Sberbank nevamwe guru neanokweretesa masangano vachiri kutevedza zvinhu zviri kutengeserana. Asi nguva yacho sarudzo neimwe bhengi yakasiyana.

Mumavhiki maviri pashure kusaina chesungano mutengi ane mukana kugumisa chibvumirano unilaterally pasina kurasikirwa upfumi. basa iri hunowanika vanoshandisa mari, kuwanda uye mumapepa zvigadzirwa. mitemo iyi muupenyu "nemari Bank Life Insurance." Mafomu vanogamuchirwa chete kunyorera zvemari tsika bazi. Asi nhamba dzinoratidza kuti vanoshuva kugumisa ngaakuitirei kwete zvokuti - 3 chete%. Izvi imhaka zvikurukuru matambudziko angamuka kuti mutengi pamusoro panowanikwa insured chiitiko. Chikonzero chechipiri ndechokuti vatengi kupa vanonoka nemashoko akadaro kambani.

Nei izvi zvichiitika?

Company "mari Bank Life Insurance", uyewo zvimwe nyanzvi musika Muchirongwa anogona kudzokera yose mari inobhadharwa nokuda yeGmail.END_STRONG chibvumirano asati anopinda simba. Zvikasadaro, kuti insurer upi mutero zvaitika. The chete nzira yokudzivisa navo uye panguva imwecheteyo zvinoenderana nomutemo - kumbosendeka pfungwa iyi. Mutengi anosaina chibvumirano, kubhadhara mitemo, asi basa anotora zvazviri pashure pechinguva.

Mamiriro ezvinhu pamusika inishuwarenzi

Akadzosa mari inobhadharwa nokuda inishuwarenzi "Credit Home Insurance", "Renaissance Insurance" kana "inishuwarenzi Makambani 'Regional vatengi kunogonawo HCF-Bank. Kana munhu anoda kubetserwa achinja pfungwa dzake mukati memazuva 30 pashure vanyorwa chibvumirano, kuwana 100% mutengo inishuwarenzi. Anofanira kudzokera nenhoroondo uye pakarepo akatuma kubhadhara chikwereti. By kwete yakasungirirwa chikwereti inishuwarenzi mari mutemo haagoni refunded.

A yakafanana yebasa vakapa "Promsvyazbank" uye "Bin". Asi zvose zvikwereti nemasangano mugove refunds pasi. "Alfa-Bank" Kungosvika vagadzirira chinhu mune zvibvumirano inishuwarenzi yokuzvidira, asi kuenda kupa yeGmail.END_STRONG kufunga 14 pakarenda mazuva. Asi "VTB 24" SSR "Bank of Moscow", uye "BKM Kuwanika" regai funga nezvechisarudzo yakadaro.

Minimum chikamu inishuwarenzi isiri chikwereti - ndicho chakaipa nazvo. With kuwedzera zvinodiwa anokwereta, achidzikisa kudiwa zvikwereti, pfungwa iyi inogona kukwezva vatengi itsva. "Kutonhora nguva" inopiwa mabhanga, uyo chimbadzo pamusoro zvikwereti hakutsamiri kuvapo mutemo, uye idzo ndarayirwa kutengeswa mitemo inishuwarenzi hazvisi kwainyanya mari. pfungwa iyi kuchaita mufananidzo zvose kubhengi uye boka racho inishuwarenzi, kureva. A. kunoderedza mukana wokuti kutaura.

Sberbank: upenyu inishuwarenzi pamwe mogeji

Zvinogona anokwereta kuziva mubvunzo kudzivirira upenyu uye utano kana kushandisa kuti chikwereti kuti kutenga dzimba nokutsigira hurumende. Mapurogiramu aya anoshanda panguva kwakaderedza chimbadzo 12%. Kana munhu anoda kubetserwa aramba kuti ape inishuwarenzi youpenyu, mari yacho kubhangi yakawedzera 1%. Chokwadi, unogona kuwana dzosera kuti basa uye zvavakatemerwa panguva yepurogiramu nguva, asi kunyange ichi kana mwero kuchawedzera kusvika 13%. Izvi zvinoshandawo kugumiswa kana asiri kuvandudzwa pamusoro inishuwarenzi inotevera gore. ezvinhu zvose izvi zviri chinyatsotsanangurwa ari chikwereti chibvumirano.

Zvisinei, inishuwarenzi private yagara kuonekwa sezvi- nzira kubira mari kubva nemhosva. Kunyanya kana paine chibvumirano pamusoro kudzivirira pfuma zvido vanogona kuronga chikwereti pa 11,4%. Asi pane mibvunzo yakawanda pamusoro chibvumirano ichocho. Chokwadi chokuti nyaya basa rinogona kuva chete "mari Bank Life Insurance" nokuti pamwero zvakakwana huru 1% yacho chikwereti uwandu. Kureva, kana mutengi anotenga mufurati kuti mamiriyoni 3.5 rubles., Kuita pasi kubhadhara mamiriyoni 1,5 rubles., The chikwereti zvinotora mamiriyoni 2 rubles. The inishuwarenzi shoma nekuda gore hutsvi kubva 20 zviuru yokutanga. Kwiza nechekuzasi.

Asi chaizvoizvo?

Chaizvoizvo nyore inishuwarenzi upenyu chero boka abvumirwa pamahombekombe. Mumunda, mamaneja vanosarudza kuramba akanyarara nezvazvo nezvikonzero zvakasiyana-siyana kubva kusaita zvinhu nomazvo kuti zvinhu mubereko revashandi. Tsvaka chii mamwe makambani pamwe kupfungwa zvemari, zvaunogona pahofisi. Website. inishuwarenzi Life aine chikwereti ari mumari Bank inogona wakabudiswa 16 makambani: "FAC", "Wamazvirokwazvo Insurance", "VTB Insurance", "SOGAZ", "Zetta", "RESO", "Ingosstrakh", "Rosgosstrakh", "NASCO" "Renaissance", "bheji", SF "Adonis", "Siberian Crane", "Spassky gedhi", "REGIONGARANT" CO "Surgutneftegaz". Rates ingasiyana kana pasi. Kana Sberbank vashandi vanoramba kubvuma mutemo wakadaro, vakumbire kungoramba zvakanyorwa.

Investment Kukwezva rweinishuwarenzi

Investments Program mari kubva kambani "nemari Bank Life Insurance" anopa rubatsiro apo kudzivirira upfumi pamwe oupfumi kupinda siyana yesangano nomusi Russian uye pasi rose pamisika. Bank dhipoziti kunouyisa mudanga, asi mari shoma. mari Mutual vabayire zvinonakidza kwemari mikana, asi parumananzombe, uye kutungamirirwa vakatamira kune imwe yakagozha makambani. Saka, kuwedzera Kukwezva pamusoro mubhizimisi purogiramu Inishuwarenzi Company "nemari Bank Life Insurance." Customer ongororo zvinoratidza izvi.

mamiriro

IC "mari Bank Life Insurance" rine aro mudzinza inivhesitimendi zvigadzirwa. Kana kubhadharwa mupiro mari kutungamirirwa dzenhoroondo zviridzwa (bhengi deposits, hurumende zvisungo), uye zvasara iri paakapiwa mu dzakasarudzwa vatengi twa. Zvisinei, pasi chirongwa ichi mukana asiri kutambira mari inowira mutengi. Kuchinja zvishandiso vane humwe uchapupu "mari Bank Life Insurance." Dzosera, kana panzvimbo kwokutanga mubhizimisi mari, mutengi achapiwa, kunyange kana vakasarudza kuti kunobatsira zvizere depreciated.

Chirongwa iri kwenguva refu. mutengi anogona kugumisa izwi chesungano kana achida. Muchiitiko chino, zvichaita kugamuchira ruregerero uwandu. Pamusika nemateru nezvisingafadzi nguva dzose humwewo. Mukana kuwana mari yepamusoro svikiro izwi. Kunobudirira musika mamiriro anogona kuchinja chero nguva. Mushure maviri kana matatu, unogona kushandura dambudziko twa pasina yaanobhadhara pashure pakatanga mubhizimisi.

IC "mari Bank Life Insurance" mari chigadzirwa mumutsara kwayo hakuna akaiswa serimwe rinogona kutsiva ndokuchiisa. It nechinangwa vatengi vanotova dhipoziti kubhengi, kufukidza Quarterly kwemari. Zvinoitika muupenyu zvinogona kuitika. Uye kubva refu mari nokuda kwenguva kufirwa basa uye mubayiro musoro. Asi uyewo kuchengeta wepagore bhajeti iri bhanga dhipoziti kwakaipa zvakare. In yakadaro investor agamuchire kufarira kuwana mamwe mari.

Just munguva yokuti vanhu vaifarira mari chirongwa chakadai. The yeGmail.END_STRONG anogona kusarudza chero kunobatsira mune Russian uye pasi rose pamisika. Uyezve, vadzidzi yepurogiramu ine mumwe mukana unokosha - zvakanaka mitero mari yakagamuchirwa. Vatengi vanenge vaita chibvumirano kuburikidza mumari Bank Life Insurance kuti kwemakore mashanu kodzero yekuti yaanobhadhara pachake mari mutero. The mutero akapiwa chete pamusoro mugove kuti akapfuudza mari yacho refinancing unodiwa.

International Health Insurance

"Mari Bank Life Insurance" kambani inopa kwayo vatengi chigadzirwa itsva kuchengetedza dzakaoma nezvirwere zvingangoita achiona kurapwa kunze. Izvi zvichaita kuti vatengi kubatsirwa zvakaitika unyanzvi pakati vaitungamirira makiriniki zvenyika uye kufukidza mari ichipa kurapwa panguva kurapwa zvirwere ngozi, kuti vapore, chokudzivirira bvunzo, kuwana nyanzvi dzokurapa pfungwa. The chikuru zvakanakira basa - zvakawanda njodzi, nyika umo munogona kurapwa, uye basa idzva.

inishuwarenzi zvokurapa International unokubvumira rubatsiro mumamiro apo kwete kushanda mureza VHI: kenza hanya, kuvhiyiwa, vapore pashure nhego transplantation. Chirongwa inopa pokupindira profobsledovany kunze. Mutemo uyewo rinotaura mabatiro zvirwere kuti akawanikwa ari mutengi pamberi kwemamiriro chibvumirano (asi kwete kwokutanga pane 2 years), uyewo panopera kwayo izwi. Mukuwedzera, mutengi anogona kutenga zvimwe package kunze.

International chikwereti upenyu inishuwarenzi (Sberbank) achibvumira vatengi kugamuchira kurapa kutungamirira muzvipatara munyika yose:

• muGermany, Israel, Spain, Turkey, Russia - kenza kurapwa uye kuvhiyiwa;
• chero nyika - transplantation;
• muIsraeri - rokuchinjwa uye kugamuchira palliative hanya.

The kusvika kwe "vose yemubatanidzwa" papurogiramu yacho inishuwarenzi anonyaradza kwete chete kugamuchira mubayiro, asiwo basa kuti sangano iri kurapwa kwacho, rwendo ari yeGmail.END_STRONG wacho, uyewo yaro kuenderana. basa High-pamwero riri siku nesikati. Chekutanga, pamberi, panguva uye pashure kurapwa rinopa zano Hotline. Chechipiri, ari mutengo inosanganisira mari nendege nokuti nemhosva yake muchiridzira kiriniki kunze. In nguva nechirwere chakakomba inokosha mupfungwa rubatsiro.

Chirongwa izwi iri 5 makore. Conditions akagovera mukana wepagore kuvandudzwa chesungano. The wegore panogumira Verengai insured pamunhu ndiyo $ 1 miriyoni zvingangoita tripling. Nokuda kwazvo enzvimbo mishumo mutemo iri rakapa chete US zvemadhora. The kunonyanyisa zera the yeGmail.END_STRONG - makore 65. Pane zvaunoda zvirongwa vatengi vane chibvumirano kuti mhuri yose, zvinosanganisira 5 nhengo.

Inishuwarenzi Pokemon - a chigadzirwa chitsva musika

Pokemon - ndiko hunhu kubva mutsva Mobile mutambo Pokemon Go. Yakanga yakagadzirwa kwete chete kune gamers, asiwo kune vokubhengi. "Roketbank" mumwe wokutanga uyo yakatanga chirongwa inishuwarenzi catchers Pokemon. Nokuti "hove" kubhengi bazi unhu cardholders vanogamuchira 50 rubles kuti bhonasi yacho.

basa iri achangobva vakabatanawo Sberbank. Akavhura rinokosha Website nokuti vatambi vane kero vezvikwata 28, achikwezva katuni vatambi. mari tsika wacho utariri anotarisira kuti tsime achakwanisa akwezve bazi nechido gamers. Kana, panguva kubatwa rimwe Pokémon yeGmail.END_STRONG wakuvadzwa, iye SC kambani "nemari Bank Life Insurance" mari kwaari inishuwarenzi kuti kunonyanyisa uwandu 50 zviuru. Kuzora. Kushandiswa kuita purogiramu inogona vakabvuma zvakananga kubva panzvimbo.

To zvimwe kufarira gamers, Sberbank anobata danidziro "Gara chokuita". Card yokuisira anogona Activate "Avtoplatezh" kusvikira August 18, recharge kanenge kamwe - uye zvadaro ndibate Pokemon chikwereti sangano kuchaita kubhadhara mutambi 500 bhonasi, "Mazvita." Mukuwedzera, nemhosva vanofanira kutuma screenshot uye Mobile nhamba dzorunhare ari PM Sberbank munharaunda pamusoro Facebook kana "VKontakte".

"Tinkoff Bank" akapa migove ayo ezvinhu. Mumwe munhu anoda kubetserwa, shandisa rimwe kadhi Tinkoff Google Play, anomukweretesa tsika Acharipa 2000 bonuses. Vanogona kubhadharira chero kutenga ari online store, kusanganisira mutambo Pokemon Go (1 pfungwa = 1 Ruble). Game, uye saka inopa mari-shure gamers pamusoro kutenga zvose Google Play (10%), maresitorendi (2%) uye mamwe kutenga zvose (1%).