Where nani inishuwarenzi upenyu uye utano?

Kwakanyanya mutinhimira upenyu mauto kutora matanho kudzikamisa nezvemigumisiro netsaona, tsaona dzemotokari nedzimwe tsaona. Pashure pezvose, ndivo anokanganisa upenyu uye utano. Kunyange zvazvo mamiriro ezvinhu akawanda hazvigoni kudziviswa, asi rinogona nekuripira kukuvadza. Zvinoita here inishuwarenzi hwako? basa Izvi zvakafanana nhasi.

Unogona inishuwarenzi youpenyu makambani akawanda. Kuita Gwaro aizosika hwega zvemari kuchengeterwa, izvo chero nguva kuchaita utano. Zvinokurudzirwa kushandisa kune audited kambani, kupa akanaka okuti kuti vatengi vavo.

Kukosha inishuwarenzi youpenyu uye utano

Kuti inishuwarenzi upenyu uye utano zvaanofanira:

• hunovimbisa rutsigiro upenyu dzakatsarukana mumamiriro ezvinhu akasiyana;
• kupa mukana vana kudzidza muna nomukurumbira zvikoro zvedzidzo;
• chivimbo mune remangwana.

Inishuwarenzi iri rakapa kwenguva refu. policies kazhinji vane izwi 3 kusvika 5 makore asi kufadza - makore 20. Gwaro chinonzi kumativi wachi, saka rubatsiro anogara kuitwa. Panguva inishuwarenzi nyaya unofanira kuonana kambani kuwana mubhadharo.

Sei kutora kubva inishuwarenzi?

Makambani kupa siyana kuchengeteka nzira: rutsigiro rwemari munguva dzakaoma, ari kurapwa kana kuti kuwanda. Kuti inishuwarenzi upenyu uye utano, unofanira kusarudza zvakarurama boka kuonana kuhofisi kusaina chibvumirano. Sezvingatarisirwa, izvi zvinoda mari. Asi kana insured chiitiko richava rubatsiro rukuru rakashandurwa.

Muenzaniso raizova chirongwa mari ne chikuru kambani "Ingosstrakh" iri rakapa upenyu. Kunakisa mutemo uyu anonzi kuti kuchinjwa mari senhaka. Zvakaratidza kuti unogona bequeath kuhama dzavo zvikuru kupfuura zvakafanira kupa kambani. Mari ichange ichiwanikwa mushure tsaona.

Zvakanyorwa mutemo?

The gwaro mitemo kazhinji kugamuchirwa. Rine mashoko pamusoro mapato avo akapedzisa ngaakuitirei. Kune vakanyoresa kodzero uye nokubatira vechikamu uye mamiriro ezvinhu kuti pamwe. Iva nechokwadi kuratidza ngozi iyo muripo rakaiswa.

chibvumirano The inishuwarenzi akasarudzwa nguva apo yokubhadhara muripo. No zvishoma zvinokosha mashoko pamusoro mari chakaitwa kuti muripo.

Features

Kana iwe inishuwarenzi hwako, kana mari iri kugamuchira zvachose? The chikuru njodzi iri kubva upenyu chibvumirano mukati yamunenge kumwedzi. Unogona kutenga unyorwe gwaro chinhu kuti kunosanganisira kusunungurwa dzose kubhadhara vakaremara 1 kana 2 mapoka. Zvino unofanira kubhadhara mari yechikoro, uye uwandu vachange kurayira zvakakwana.

Kana iwe inishuwarenzi hwako, zvinovawo zvinobvira kudzikamisa kudzorerwa utano pachako uye vadiwa mari. Uyewo, basa kunoita kuti kuponesa imwe mari, izvo zvichaita kuti kuramba vakadzikama upenyu. Tinofanira chete kuziva zvinodiwa kuti dzinoona basa.

mhando inishuwarenzi

Kuti inishuwarenzi upenyu anoverengeka basa nzira inogona kupiwa:

1. Ngozi nzira, umo kuunganidza haabvumirwi mukati akasarudzwa kumwedzi. The Company vanosungirwa kubhadhara mari chiratidzo chesungano kana chiitiko insured kunoitika. Kana hazvizovi kuguma rokuti basa, uye mutengi nhoroondo haana kupiwa. Kubatsira dzakasiyana njodzi zvinosanganisira yakaderera mutengo, izvo zvinoita kuti kusarudza vamhan'ari pamwe yakaderera mari.
2. Mari inishuwarenzi. Maererano nzira iyi muripo kuitika mune wakaiswa mari, kunyange dai pakanga pasina tsaona. The chibvumirano anoitwa kwenguva chaiyo munguva.
3. Tinofanira kugara maonero. Mutemo achava musoro nokusingaperi. Vamwe basa rakafanana yapfuura shanduro. Asi pane misiyano Somuenzaniso, mari mari, - nokuwedzera Verengai insured. Kunosanganisira kuripwa mari, goho riri - 3-5%.

Kana rakapa rakavhurika-apera chibvumirano, ane zita upenyu. Muripo vakaisa hama vanobatsirwa. Asi pane kodzero kugumisa kururama kwemashoko gwaro kune raanotaura chibvumirano, uye ipapo outputs Verengai pamwe dzakava mari. murayiro wakadaro unoitwa nokuda nemhosva.

tsaona

Zvatinosiita chibvumirano ichi mhando wakabudiswa kwenguva pfupi nguva - 1 gore, kana zvichienzaniswa ataurwa pamusoro apa apo kudzivirira zvemari kuti 5 years kana kupfuura.

Kuti inishuwarenzi upenyu petsaona kunogona kuva zvinotevera dziviriro mikana:

• zvizere - kumativi wachi, mazuva 7 pavhiki;
• chikamu - nokuti imwe nguva, somuenzaniso, panguva yaakazosunungurwa.

The inishuwarenzi inopiwa imwe nguva, ndiyo:

• renewable - kondirakiti inogona vakasaina zvakare;
• convertible - pane mukana wokuzvidzora chinja mamiriro;
• pamwe kudzikira bemhapemha - chirongwa rakagadzirirwa vanhu vakwegura vasingakwanisi kubhadhara Yakabudiswa dzose.

mhando muripo

Kana iwe inishuwarenzi youpenyu mwana kana mukuru, iwe uchava vaikwanisa muripo. saizi kwavo kunoenderana ukuru zvaparadzwa:

• Payment zvizere - rufu kana asakwanisa kuita.
• 10-20% of kubhadhara raanotaura chibvumirano, - kana kukuvara kana duku urema.

Bhuku Verengai insured iri wakasiyiwa nemhosva. Asi zvinofanira kuyeukwa kuti pamusoro zvikumbiro, zvikuru vachafanira kubhadhara. The Mupiro pasipasi kunotemwa mu uwandu haidereri pane $ 10 pamwedzi.

Mamwe makambani kupa zvaunoda ezvinhu ari chiitiko nezvinetso rokutanga danho - a kunonoka hunogara kubva mazuva anoverengeka kusvika 2 months. Kana usingakwanisi kuita nguva yakawanda, ipapo tinogona kumisa chibvumirano, anoteverwa resumption kuwedzera dzemari.

mari

Where kureva upenyu, zvinoenderana zvinoverengeka pamusoro. Kwakakura kuda iri sei:

• zera iri nemhosva;
• utano;
• mhando basa;
• paburiro.

Kuparadzana uku imhaka yokuti upenyu hunotarisirwa vakadzi kupfuura vanhu. The zvakawanda zvinoita sei inishuwarenzi nyaya, chichavawo chikuru chitsama kuti kambani anofanira kuripa. Mari Bank anopa mabasa akadaro. Inishuwarenzi upenyu nani mushure PRICING mabasa. On Web site, makambani ane karukureta kuti achaita muzive uwandu paIndaneti kubhadhara.

Zvinofanira kuita inopfupikisa

Mari vachaitwa, zvichienderana nemamiriro ezvinhu wakasiyiwa sangano, kana kusaina mutemo. Kubhadhara angachajwa:

• pamwedzi;
• rimwe gore;
• pamusoro Quarterly hwaro;
• panguva imwe chete.

Kuti vazive kukosha muupenyu uye inishuwarenzi utano, unofanira kuonana kambani. Zvinogona kubatsira kuverenga paIndaneti karukureta. Asi mashoko zvakarurama kunogona kuwanikwa kubva unyanzvi. Zvakakosha kuti tichiwana mari pasina nokutyora chibvumirano mashoko, zvikasadaro zvingava kutungamirira Kuramba muripo.

Sei kuona kana munhu insured?

Zvakakosha kuziva apo kureva upenyu uye utano. Izvi zvinofanira kuva ziva uye nehama. Asi kana basa rakadaro, unofanira kutsvaka mutemo kana azviveza zvisingazivikanwi pashure porufu. Ose mashoko anozivikanwa.

Kana gwaro iri kwete, ipapo unofanira kudzidza nezvazvo kambani inishuwarenzi huru. Pane imwe nzira kuongorora - pamusoro kupinda nhaka Check kutakura gweta, ndiani pasi chikumbiro kuna boka uye anopa mhinduro. kana chete mutemo yave rakapa, unogona kukurira kumubvunzo muripo.

Kusarudza zvakasimba

Apo Ndinogona inishuwarenzi upenyu uye utano? Companies kushanda mirayiridzo iyi, zvinova zvakawanda. Kwavari iwe unogona kuona uye kunzwa zvakasiyana-siyana pakushambadzira. By dzakakurumbira Makambani dzinosanganisira:

1. "Ingosstrakh".
2. "Uralsib".
3. "Rosgosstrakh".
4. "SOGAZ".
5. "RESO-Guarantee".
6. "Alpha inishuwarenzi".

Where nani inishuwarenzi upenyu uye utano kunoenderana zvido nemhosva. Zvakakosha kuti rakasimba raiva rakavimbika, nokuti zvinokanganisa kana disbursement. Izvo inishuwarenzi kambani kureva upenyu huri nani? Hazvina here kuvimba akavimba Rating masangano.

Kurasikirwa mutemo - zvokuita?

Kana iwe kurasikirwa policyholder vanofanira kutaura kambani kuti rakapa gwaro. With kudiwa kuti pasipoti uye utano kadhi. Zvakakosha kunyora chikumbiro, apo ezvinhu nokurasikirwa mutemo yakaratidza. Kunyange kana pasina kadhi, haisi achinzi chikonzero yokukundikana kuwana gwaro idzva.

Kana gwaro iri rakagadzirirwa yemakambani mhando, zvinokosha kuziva uwandu inishuwarenzi wako muganhu polyclinic. Munogona veHealth Insurance Fund. Kugadzirira kunosanganisira kudya mashoko kutsanangura mamiriro ezvinhu uye chibvumirano nhamba. Akabva vakarasikirwa mutemo zvichabviswa ramiswa, uye akabva atara itsva.

kupora nzira

Kuti tiwane mutemo mutsva, unofanira kuenda kuburikidza zvinotevera mumatanho:

1. Sarudza kambani yeinishuwarenzi.
2. Sarudza chirongwa, mashoko izvo zvakazara dzakakodzera.
3. The kukarukureta unonyatsoratidza racho.
4. Get mutemo paIndaneti kana mune kambani.
5. Kubhadhara muripo.

Kuuraya magwaro achadzivirirwa kubva huru nezvinhu zvemari, izvo zvinogona kana tsaona.

Inopa mari Bank?

Nokuti vazhinji mari Bank mapurogiramu zvinoda inishuwarenzi zvairayirwa. Somuenzaniso, izvi zvinoshanda chikwereti uye repair kwezvikwereti. Just kuva nechokwadi kuti inishuwarenzi zvinodiwa pfuma uye upenyu uye inishuwarenzi utano chokuzvidira muitiro. Asi tsvimbo yakarumbidza kurishandisa kuti uzvidzivirire uye mhuri kubva ngozi.

Chii ngozi vanobatanidzwa mutemo inishuwarenzi panguva kunyoresa mu mumari Bank? Kana munhu anoda kubetserwa inishuwarenzi youpenyu, zvakakwana kushandisa upi kambani kuti anopa mabasa akadaro. Asi nyaya mutemo inogona kana kushandisa sechikwereti. Ipapo inishuwarenzi vachange yakaitwa muna pakagadzwa dhipatimendi. The Chibvumirano insures upenyu uye hutano anokwereta, ichipa chikwereti kubhadhara munguva dzakaoma. Ngozi zvinosanganisira vakaremara uye rufu.

Disability zvinoreva kubuda zvirwere, tsaona, kukuvara, mamiriro ezvinhu akaoma. Mumwe mutengi anogona kusarudza chirongwa akakodzera parameters ayo. Mitemo "mari Insurance" vane zvinotevera ezvinhu:

• Life, urema - 1.99% pa annum;
• Life, utano, basa kurasikirwa - 2,99;
• mamiriro wega - 2.5%.

Munhu anotaurwa chibvumirano, vangave Banking sangano kana mugari. Kana mutemo iri rakapa mubhangi, chikwereti kana insured chiitiko iri akabhadhara maererano hwakagadzwa ezvinhu.

Zvikwereti mutsividzo inishuwarenzi maitiro

Kambani yeinishuwarenzi inobhadhara chikwereti mukwereti anonyatsoyeuka chete kana kurwara kana tsaona, kana munhu akava akaremara kana afa. Temporary urema kwenguva chaiyo nguva hakunganzi chikonzero uzere kuripwa chikwereti. Ipapo akaisa kuripwa chete kana kupfuura mari. The insurer akatora nokubatira anokwereta, zvakakodzera kupa uchapupu panowanikwa insured chiitiko.

Kana kushandisa kuti chikwereti mukuru yemanyorero kunopa inishuwarenzi yokuwedzera. Kana usingade kutenga mutemo, havafaniri kuitwa musi nokunyengetedza. Zviri chokuzvidira muitiro, saka mutengi vanofanira kusarudza. Asi iwe unogona kutenga mutemo, uye maipa ndikaridya, uye ipapo mari kudzokera munhoroondo.

Kurambirwa inishuwarenzi nomutemo. Kana isu kutendeukira kune boka mumazuva 30 pashure vanyorwa chibvumirano, zvinokwanisika kuti kuvimba kuchinjwa rose uwandu. Kana yave kupfuura mwedzi, asi kwete mwedzi anopfuura matanhatu, zvino shure hafu. Pashure pemwedzi 6 mari vachava vashoma, uye anogona vakaramba.

Kana chikwereti iri akaripa, asi inishuwarenzi richiri kushanda, asi nemhosva vanogona kugamuchira mipiro. Anofanira kuita chikumbiro, apo vakarondedzera mashoko kubata pamwe rwezvemabhengi sangano uye boka inishuwarenzi. Chikumbiro anofanira vakakoshesa umbowo kuripwa chikwereti.

vazhinji mutemo Sei?

Gwaro anofukidza izwi iri chikwereti. Asi unogona kupa 1 gore. Mushure expiry ayo ukoshi ichava kuwedzera kune zvakazara zvemari. Mipiro zvinogona akanyorwa muna 2 zvinogona:

• Pay ariega.
• Vanobatanidzwa chikwereti.

Mutemo anoshayiwa kana:

• The yeGmail.END_STRONG anoramba nayo.
• An chiitiko insured kunoitika.
• The insurer murege kupinda chibvumirano mutengi kuti ane zvimwe chirwere.

Mapurogiramu inishuwarenzi zvinobatsira kuti mabhanga, sezvo makambani vari anokwereta 'mitoro. Asi dzimwe nguva, somuenzaniso, kana kuwana chikwereti, zvakakodzera inishuwarenzi yacho yeGmail.END_STRONG upenyu. On nevatengi chikwereti hazvo zvandakatonga itsika. Asi nekuda chikwereti, izvo akapa kwemakore akawanda, basa iri achauya pedyo.

Pasina inishuwarenzi chikwereti ane chido chomunhu. Vamwe vanhu vanosarudza basa iri, achidzivirira pachako uye mhuri kubva siyana ezvinhu, apo vamwe vanodavira kuti vanogona kuita pasina izvozvo. Usati mutemo zvakafanira kuverenga mashoko pamwe chete kambani, uye chete ipapo kuti zvakawanda.

Mukati inishuwarenzi inogona chero kambani. Usati ichi, nechokwadi rakavimbika. Chete ipapo vachava kubhadharwa muripo nokuda zvinhu nengozi.