The upfumi musimboti inishuwarenzi

Tiine shanduka ukama chinokosha-mari, vanhu vari kuwedzera vanoda kudzivirirwa zvezvavanofarira uye pfuma kubva zvichibvira contingencies, ingava dzinongoitika dzoga kana banal vasiri kuita nemamwe bato vamwe sungiro chesungano. The upfumi musimboti inishuwarenzi kunotsanangurwa kuitira kudzivirira nyaya pamusoro zvichibvira nezvinhu, uye mumamiriro ezvinhu ose panowanikwa chiitiko kudzikamisa kurasikirwa kwavo.

Inishuwarenzi musika - chikuru chezvinonhuwira pamusika zvemari, iyo kutengwa inishuwarenzi.

Kuti kunyatsonzwisisa mamiriro inishuwarenzi, unofanira uzive huru nyaya:

- kuti insurer - isangano repamutemo Unogamuchira rezinesi kuti mabasa inishuwarenzi anoita. Makambani akadaro haagoni kuita chinhu brokerage, kugadzira, uye rwezvemabhengi kwema;

- kuti policyholder - repamutemo kana anokwanisa mumwe, uyo nemhaka mitemo Russian Federation anekodzero yokuva kupati chesungano inishuwarenzi uye inishuwarenzi kubhadhara zvinogona kupiwa kupati rechitatu. Pashure kwemamiriro chibvumirano anofanira yakapiwa inishuwarenzi mutemo kuti certifies kodzero yavo pabasa ichi;

- inishuwarenzi mumiririri - Nat. kana zviri pamutemo. munhu anomirira zvinodiwa insurer, achitaura akamiririra ake. Nokuti ichi kambani vanobhadharwa dziri makomisheni;

- inishuwarenzi bhuroka - inongoitika kana zviri pamutemo munhu anoita se murevereri ukama pakati inishuwarenzi, asi yake nokuda. Iye rinoongorora pamusika ezvinhu, yemakwikwi ezvinhu, uye anova nokuda kwayo vatengi pamwe purogiramu inishuwarenzi yakanakisisa.

The upfumi musimboti inishuwarenzi riri airatidzawo mamwe zviratidzo iyo nzvimbo iyi yebasa akasiyana nevamwe:

1. Pane mukana mukuru insured chiitiko, somugumisiro iyo zvaparadzwa kunoitika, uye zvino ari ndanyarara hangu.
2. Kudiwa mumuviri nomutemo vanhu kuti remangwana kukuvadza wakange wakafukidzwa, chete kugutsikana basa iri, izvo zvinoratidzawo musimboti inishuwarenzi.
3. Damage iri akaparadzirwa nguva.
4. All inounganidzwa vanounganidzwa mune mari mari inishuwarenzi (premiums) vari akadzokera muchimiro inishuwarenzi kubhadhara.

Pakati pezvimwe zvinhu, upfumi musimboti inishuwarenzi chinoratidzwa nokushandisa chaizvo mabasa. It akasarudza govera nengozi, chokudzivirira, mari uye kuzvidzora mabasa.

Ngozi basa kunoita kuti redistribution mari pakati mutengo inishuwarenzi vechikamu ichi nokuda insured chiitiko. Ndizvo vakawanda ngozi kwakaita kuti pave mapazi akawanda uye Sub-nemapazi inishuwarenzi.

Nyevero madzinde kuti chikamu mari yakawanikwa kubva zvipo kutungamirirwa kudzivirira kubva chokwadi kune insured ngozi, ayo rutapudzo kana kubviswa.

Mari basa iri inobva chokwadi, kuti adzivirire vagari vanenge vasvika zvikuru munzanga uye upfumi, kubva zvichibvira njodzi inishuwarenzi nezvinoitika.

Pakupedzisira, kuongorora kushanda zvinoda muchinyatsochenjerera richiona sei mari Anopera chipfuro mari mari inishuwarenzi.

Saka, takurukura chii chinoumba musimboti uye mashandiro inishuwarenzi. Zvazvinosarira kusimbisa imwe nyaya inokosha.

Inishuwarenzi mari - inokosha yokuti inishuwarenzi - zviri zvose mari kunotangira premiums zviri operative kurapa insurer. Izvi zvinosanganisira pfungwa ehurumende kuchengeterwa Fund (centralized hurumende inishuwarenzi Fund); ari insurer of mari; Reserve pavane zvebhizimisi zvivako, yakaumbwa muna muitiro yokuzvidzora inishuwarenzi.

Saka isu mawana, chii upfumi musimboti inishuwarenzi uye vaiona nevamwe zvinhu. Akatsanangurawo chikuru vatambi - insurers, insurers, nevaichinja nevamiririri. Zvinogona vakagumisa kuti hunhu uye mashandiro inishuwarenzi kwakabatana zvakananga: mashandiro rakabva musimboti inishuwarenzi uye chinangwa chayo.