Ndianiko policyholder, iye insurer? Vamwe pfungwa kubva inishuwarenzi bhora

Inishuwarenzi mabasa, isu tose zvimwe nguva kusangana. Asi haasi munhu wose anogona kugadzirisa, kana kunyange tsanangura dzinokosha pfungwa anoshandiswa chibvumirano inishuwarenzi, uye kuti dzindodana mamiriro ayo sezvo mutauro pamutemo. Nyaya ino kutaura chii chinorehwa nemashoko okuti "inishuwarenzi", "insurer", "policyholder", nezvimwewo, Ndevapi kodzero uye mabasa vari mapato uye dzimwe pfungwa dzinokosha.

Pfungwa yacho insured

Insured - nomutemo (kambani kana munhu entrepreneur) kana munhu wechisikigo munhu chinoguma kambani yacho inishuwarenzi kondirakiti inishuwarenzi. The policyholder anogona inishuwarenzi zvose: utano, pfuma, motokari, imbwa, kunyemwerera, etc ...

Chii bumbiro iri insured

Pfungwa iyi kashoma kunzwa vanhu, uye kunyanya vazhinji havazivi kuti zvinorevei. Cipher insured - ari kutevedzana kwezviitiko nhamba, izvo kunozivisa Contributor uye akaratidza muchikamu musoro fomu 4-FSS (chimiro Quarterly mushumo kuna Social Insurance Fund). Cipher anobvumira Fund kuti vawane ruzivo pamusoro ndiani policyholder, uye vachiriita, izvo zvinofanira kutarisa ari kuunganidzwa vachibhadhara kubva insurer. Anogona kusarudza Bumbiro yavo nokutaura Directory ciphers insurers vari № mafomu 1, 2 uye 3 kuumbika achizadza Procedure 4 FSS azvaitwa. Mumwe Bumbiro nhamba inosanganisira zvikamu zvitatu: 000/00/00. Rega kunzwisisa chii nomumwe wavo.

• The 3 digits okutanga takatsunga ne mhando yebasa.

• Chikamu 2-digit bumbiro yechipiri inoreva zvinoratidza mutero hwechiKomonisiti.

• Chetatu rinotsanangura Cipher payer kunobva guru.

Kana mashoko ari payer iri kuchinja (kunobva guru, mhando yebasa, mutero hurumende), ipapo kushandura bumbiro remitemo, uye insured.

Pfungwa yacho insurer

Uyewo mubvunzo "Ndiani insurer?", A mubvunzo yakafanana pamusoro insurer vanhu kazhinji vasina mhinduro. Saka, insurer - kurutivi inishuwarenzi kutengeserana wechipiri, boka inotungamirira mabasa nemari inishuwarenzi chinhu, akabata rezinesi uye anotora kubhadhara kukuvadza kunobva panowanikwa insured zviitiko raanotaura chibvumirano inishuwarenzi. Insured - ndiye compensates varasikirwa.

Kodzero uye mitoro vemapato

Kodzero uye mitoro nechimwe mubato kuti insurer kuziva zvakakodzera. Zvikasadaro, unogona kutadza pfungwa uye mune ramangwana kuti matambudziko makuru pamwe insurer.

ari insurer dzevanhukadzi

1. Gamuchirai mashoko azere pamusoro ndiani insurer kuti anoda kuti inishuwarenzi.
2. The rokutanga njodzi tinyatsonzwisisa kuti imwe pfuma, upenyu uye utano zvinogona policyholder. Mukana nyanzvi pakuongorora kuongorora pangozi. Kuramba iri zvinoitirwawo chisarudzo pamusoro inishuwarenzi inexpedient.
3. Kuwana mubhadharo akuitira ne inishuwarenzi.
4. Kuzoita dzakadzika magwaro achisimbisa panowanikwa insured chiitiko uye kuti iye akadaro.
5. Kurambirwa muchiripira mari inishuwarenzi, kana akawanikwa mashoko enhema ari Database yacho insured, kana akafa, mutemo uyu kuzivisa strazovschika pamusoro tsaona.
6. Feya zvakamira chiitiko insured kunoitika, kana kambani yacho inishuwarenzi kufungidzira kubiridzira insured.
7. Kugumiswa yaitsigira divi chibvumirano kana policyholder akakundikana nenguva kubhadhara mipiro (kana muripo inishuwarenzi iri vanobhadharwa Yakabudiswa).

Mitoro yacho insurer

1. Kuchengeta ruzivo kuti insurer pamusoro inishuwarenzi fomu kuti anofarira.
2. Kusaina chibvumirano kuti mhando inishuwarenzi kuti insurer kunodiwa pasi zvikapa kururamisirwa kwokugamuchirwa.
3. Kuripwa Verengai insured kukuvadza, kana chiitiko insured kunoitika.
4. Zvakavanzika nokuchengeteka pachake Data of insured.
5. Kutungamirirwa yakazvimirira nyanzvi kuongorora mamiriro ezvinhu enzvimbo insured chiitiko uye kugadzirira chitupa inishuwarenzi ane mukati waakaudzwa kumwedzi.

policyholder kodzero

Ndiani insurer? Ndiyo munhu / kambani kuti vanofanira kuita kodzero dzavo uye mitoro, kana insurer ane kodzero yepamutemo kuramba kupa minamato.

1. Gamuchirai mashoko azere pamusoro service yakapiwa kambani yacho inishuwarenzi pamusoro rezinesi kambani.
2. Kuwana mari inishuwarenzi pasi chibvumirano ziviso pamusoro insured chiitiko uye zvose mberi nechiito.
3. Kugumiswa chibvumirano inishuwarenzi akashaya kana zvakakodzera, uye kudzoka tsva shoma.
4. Kutsiva insurer havo.
5. Kodzero kupikisa mudare chisarudzo pokuramba kambani yacho inishuwarenzi kuti kubhadhara.

Mitoro yacho insured

1. Zvokudya hwakavimbika uye zvakakwana mashoko pamusoro penyaya, nyaya yokuchengeteka ari kushanda uye chibvumirano yaizotevera, uyewo ukuru pangozi uye mukana ane insurer iratidzwe ruzivo.
2. Kuripwa bundu Nemutengo kana Yakabudiswa, kana mvumo ezvinhu enyika chibvumirano, asi shoma inishuwarenzi.
3. Ziviso yekambani yacho inishuwarenzi pamusoro tsaona mukati mitemo nguva (kana kuti chibvumirano mitemo) kana haizopereri pasi magwaro anogona ucharuramisa kunonoka ari ziviso (sick ngavabude, kufamba uye zvichingodaro. N.).
4. Ziviso kuti insurer raanotaura chibvumirano pakuparwa nekuripira kukuvadza nemhosva insured chiitiko chiso.

Pfungwa chiitiko insured

Insured chiitiko - ezvinhu riri inopiwa chibvumirano inishuwarenzi kana nomurayiro, pamusoro panowanikwa iyo boka racho inishuwarenzi vanosungirwa kubhadhara insured mari mari zvoga ari chibvumirano, zvizere mari kana kuva chikamu.

Chii kubhadhara inishuwarenzi

Inishuwarenzi muripo (nhamba) - nemari kuti mumamiriro ezvinhu ane chiitiko insured kambani anogamuchira kubva Stakhova policyholder. Kubhadhara dzinoitwa kana zvakanyorwa mune chibvumirano, kukura iri waiti mu chibvumirano inishuwarenzi.