IC "Ndalama Bank Insurance Moyo": likulu ndalama, zochitika ndi malamulo chitetezo

Insurance moyo - ndi chitetezo zinthu chuma cha anthu chikugwirizana ndi moyo ndi imfa yake. Izi yaitali mtundu chokhala ndi kupatula. msika chifukwa cha msonkhano uno kupereka osati gulu akatswiri komanso mabungwe ngongole, makamaka Sberbank.

Za kampaniyo

LLC IC "Ndalama Bank Insurance Moyo" anakhazikitsidwa mu 2014. Ndi wocheperapo wa PJSC "Ndalama Bank", amene imakhazikika mu kutetezedwa kwa ufulu chuma. Poyamba, kampani anapereka ntchito yosungirako ndi inshuwalansi ndalama moyo, ndiye pali ndondomeko chitetezo zaufulu za thanzi nzika.

Lero kampani ndi pakati pamwamba atatu mu msika. Pa miyezi 9 cha 2015 buku la premiums anakwana rubles 30 biliyoni. Awa, biliyoni 18 rubles. anasonkhana pa yaitali mphoto inshuwalansi ndi ndalama. Nkhokwe ndi chuma totaled biliyoni 55 rubles. ndipo biliyoni 63 rubles. ankalemekeza.

Insurance kampani "Ndalama Bank Moyo Insurance" amapereka chithandizo chitetezo:

• katundu aliyense wa anthu ndi mabungwe alamulo, koma galimoto ndi makina zaulimi;
• udindo yapachiweniweni;
• kuopsa bizinesi;
• mavuto azachuma;
• ngozi;
• inshuwalansi.

chiwembu

Cash otaya za inshuwalansi moyo mu chiwembu chosavuta ndi motere.

The policyholder zimapangitsa malipiro apamwezi zochokera mawu a mgwirizanowo inshuwalansi. Izi zikutanthauza kampani kwa zaka 10-20, likuyesetsa kuti aganyali kuti alandire ndalama pachaka 14-17%. Nkofunika kuzindikira kuti amalipiritsa lonjezo masamu mfundo sikovuta peresenti (Vol. E. Ndi kapu a) ndi ndondomeko yapadera imene zodziwika kokha kwa insurer a.

ndalama awa agwere mu malo oyamba amene padera mu gawo banki, mu katundu kapena magawo. La phindu la udachita za 15-20% ya nkhokwe insurer ndalama zake zonse, ndi 80-85% ya mndandanda kasitomala.

Nthawi zambiri, ndalama ndi ndalama za inshuwalansi si choti phindu. mankhwala amenewa anapangidwa kuti kupereka thandizo la ndalama vuto la matenda. mapulogalamu mphoto inshuwalansi kuphimba pangozi zoterezi:

- kupulumuka ku mapeto a mgwirizano;
- imfa (chifukwa chilichonse);
- kulandira gulu loyamba la wolumala.

Chindapusa cha mankhwala ali mu osiyanasiyana 5-10% kuchuluka malipiro. Akudalira pa m'badwo (achikulire ndi inshuwaransi, wamkulu chiopsezo), jenda (akazi moyo wautali kuposa amuna), chiopsezo anapereka malinga ndi pulogalamu anasankha (yekha imfa, kupulumuka kwa ndalama za penshoni,, chiphaso cha kulumala).

Mawu a inshuwalansi - mankhwala enieni pa msika

Popeza 2014, ku Russia ndi mwayi kuletsa inshuwalansi wa ogula ngongole. Banks si kopindulitsa kukweza mitengo pa ngongole ziperekedwa, chifukwa zimakhudza mtengo wa ngongole. The zambiri yotsirizira chithunzi, m'munsi mlingo wa likulu adequacy. Ngakhale malamulo inshuwalansi si chinthu chofunika kwa issuance wa ngongole, mu kuchita, kupereka kovuta.

Ndi kumayambiriro kusinthidwa kwa lamulo pa ogula ngongole oletsa chiwerengero cha madandaulo ali utachepa inshuwalansi. Pa yagulitsidwa ndi nthumwi banki mfundo amalandira 50-70% mtengo. Izi ndi gwero kwambiri ndalama. N'zosadabwitsa kuti akatswiri msika ophunzira mu palibe mofulumira kubwerera kobiri inshuwalansi ndi moyo. Sberbank ndi mabungwe ena lalikulu kukongoza akadali kutsatira zikhalidwe za iwowo. Koma nthawi imene kupanga zisankho aliyense banki ndi osiyana.

Patangotha masabata awiri pambuyo kusaina mgwirizano makasitomala ali n'zotheka kutsirizitsa pangano unilaterally popanda kutaya ndalama. msonkhano uno kupezeka kwa okonda ndalama, kudzikundikira ndi mankhwala mmatumba. Malamulo amenewa ntchito "Ndalama Bank Insurance Moyo." Mapulogalamu amavomerezedwa yekha analembera nthambi ndalama bungwe. Koma Kafukufuku amasonyeza kuti anthu amene akufuna kutsirizitsa zambiri osati mochuluka - 3 yekha%. Ichi ndi chifukwa makamaka mavuto amene angakhalepo kwa makasitomala pa zosayembekezereka ya mwambowu inshuwaransi. Chifukwa chachiwiri n'chakuti makasitomala azipereka mochedwa ndi mawu amenewa kampani.

Zachitikiranji zimenezi?

Company "Ndalama Bank Insurance Moyo", komanso ina akatswiri msika ophunzira akhoza malipiro lonse lolipiridwa ndi kasitomala pang'ono pangano amalowa mphamvu. Apo ayi, insurer zotsatira aliyense msonkho. Njira yokhayo kupewa iwo ndi pa nthawi yomweyo kutsatira zofuna za malamulo - kusiya kaye mfundo iyi. Mayiwo walembapo mgwirizano, kulipira malamulo, koma utumiki amatenga zotsatira patapita kanthawi.

Zimene zikuchitika ku inshuwalansi msika

Kuchira ndalama operekedwa kuti Insurance mfundo "Home Mawu Insurance", "Kubadwa Kwatsopano Insurance" kapena "dera kampani ya inshuwalansi 'makasitomala Mukhozanso HCF-Bank. Ngati kasitomala anasintha maganizo ake pasanathe masiku 30 pambuyo kulembetsa ya mgwirizano, iye akhoza kutenga 100% ya mtengo wa inshuwalansi. Ziyenera kubwezedwa ku nkhani ndi yomweyo anatumiza kwa ngongoleyo. Mwa atamangidwa ku inshuwalansi ngongole mfundo ndalama sangathe refunded.

A utumiki wofanana amapatsidwa "Promsvyazbank" ndi "nkhokwe". Koma mu mabungwe ngongole gawo refunds otsika. "Alfa-Bank" kukonzekera kuti katunduyo mu mapangano inshuwalansi yaufulu, koma icho kupereka kasitomala kuganiza za masiku 14 kalendala. Koma "VTB 24" SSR "Bank of Moscow", ndi "BKM Apeza" osaganizira ndi njira zimenezi.

Osachepera kuchuluka sanali ngongole inshuwalansi - ndi ponseponse. Ndi zofunika kuchuluka kwa borrowers, kuchepetsa kufunika kwa ngongole, njira iyi itha kukopa makasitomala atsopano. "Chisazirale nthawi" operekedwa ndi mabanki, amene chidwi mlingo pa ngongole si amadalira kuli malamulo, ndiponso umene ntchito ku malonda a inshuwalansi si ndiwo ndalama. Izi njira adzasintha fano kwa gombe ndi inshuwalansi kampani, mwachitsanzo. A. amachepetsa imabwera kunena.

Sberbank: inshuwalansi moyo ndi kubweza

Angathe borrowers chidwi funso chitetezo cha moyo ndi thanzi pamene ntchito kwa ngongole kwa ogulidwa nyumba ndi thandizo la boma. Ndondomekozi ntchito pa maola chiwongola dzanja la 12%. Ngati kasitomala wakana kuti apereke inshuwalansi moyo, ndalama kubanki chinawonjezeka ndi 1%. Kumene mukhoza obwezeredwa utumiki nayikapo nthawi pulogalamu, koma ngakhale mu nkhani iyi mlingo chidzachulukira mpaka 13%. N'chimodzimodzinso ndi kuthetsedwa kapena osakhala watsopano wa inshuwalansi chaka chamawa. zinthu zonsezi alembedwa mu mgwirizano ngongole.

Komabe, inshuwalansi payekha wachita kale kumaoneka ngati njira zina akulanda ndalama kwa kasitomala. Makamaka pamene pali pangano pa chitetezo cha zinthu chuma akhoza kukonza kubweza pa 11,4%. Koma pali mafunso ambiri onena za mawu a tichite. chakuti nkhani utumiki akhoza kukhala ndi "ndalama Bank Moyo Insurance" kwa mlingo mokwanira lalikulu la 1% kuchuluka ngongole. Ndiko kuti, ngati kasitomala amagula nyumba kwa rubles miliyoni 3.5., Tipange malipiro a anthu oposa 1.5 miliyoni rubles., Ngongole zimatengera miliyoni 2 rubles. Inshuwalansi umafunika kwa chaka choyamba cha lamoto kunja kwa 20 zikwi. Opaka.

Koma kunena zoona?

N'kosavuta kutsimikiza moyo wa gulu lirilonse zatulutsidwa mwa gombe. M'munda, Mabwana amakonda chete za izo pazifukwa zosiyanasiyana: kuchokera kulephera kwa chidwi nkhani ya ntchito. Mufufuze chimene makampani ena ogwirizana bungwe chuma, mungathe kuntchito. webusaiti. inshuwalansi moyo ndi kubweza ku Bank ndi ndalama akhoza operekedwa 16 makampani: "FAC", "Mtheradi Insurance", "VTB Insurance", "SOGAZ", "Zetta", "RESO", "Ingosstrakh", "Rosgosstrakh", "NASCO" "Kubadwa Kwatsopano", "uliwonse", SF "Adonis", "Siberia Crane", "Spassky chipata", "REGIONGARANT" NKHA "Surgutneftegaz". Mitengo zingasiyane kapena pansi. Ngati antchito Sberbank amakana kulandira malamulo, afunseni ndi kukana olembedwa.

Investment chikoka cha inshuwalansi

Ndalama Program ndalama pa kampani "Ndalama Bank Moyo Insurance" amapereka chithandizo pamene kuteteza ndalama ndi ndalama mu katundu osiyanasiyana pa misika Russian ndi padziko lonse. Bank gawo kumabweretsa khola, koma otsika ndalama. ndalama nonse kupereka mwayi kwambiri zosangalatsa ndalama, koma pa chiopsezo chachikulu, ndipo malangizo anthuwo la ku ndalama chipangizo kwambiri. Choncho, kuwonjezera chikoka cha pulogalamu ndalama za inshuwalansi Company "Ndalama Bank Moyo Insurance." ndemanga kasitomala akutitsimikizira izi.

zikhalidwe

IC "Ndalama Bank Insurance Moyo" ali mu mzere wake wa mankhwala ndalama. Ndalama zopereka ndalama analamula kuti zipangizo chakale (madipoziti banki, mgwirizano boma), ndi otsala ali padera mu kasitomala kakatundu anasankha. Komabe, pulogalamuyi chiopsezo si chiphaso cha ndalama imagwera pa makasitomala. Zida ndiwofatsa ndi umboni winanso wa "ndalama Bank Insurance Moyo." Obwezeredwa, kapena m'malo koyamba kuchuluka ndalama, makasitomala mudzalandira, ngakhale iwo anasankha kakatundu ndi depreciated kwathunthu.

Pulogalamuyi yaitali. makasitomala angakhale kutsirizitsa mawu a mgwirizano ngati n'koyenera. Mu nkhani iyi, adzalandira chiwombolo kuchuluka. Msika zokwera ndi zotsika zonse ina. Chance kupeza ndalama apamwamba mu akuti sing'anga. Wopambana zinthu msika angathe kusintha pa nthawi iliyonse. Patatha zaka ziwiri kapena zitatu, mungathe kusintha kalembera zakuya popanda deduction aliyense pambuyo chiyambi cha ndalama pa.

IC "Ndalama Bank Moyo Insurance" Msungidwe mankhwala mu mzere wake si pabwino monga fanizoli mtsukowo. Izo umalimbana makasitomala amene ali kale ndi gawo ku banki, kuphimba ndalama miyezi itatu iliyonse. Zimachitika mu moyo zingachitike. Kuchokera kumatenga nthawi yaitali chifukwa imfa zosakhalitsa ntchito ndipo malipiro n'kosathandiza. Komanso kusunga ndalama wapachaka wa banki pa gawo ndi cholakwika. Zimenezi Investor alandire chidwi kupeza ndalama zina.

Basi mu nthawi anthu wokonda ngati ndalama pulogalamu. Kasitomala angasankhe kakatundu mu misika Russian ndi padziko lonse. Komanso, ophunzira pulogalamu ali ndi mwayi ina yofunika - yabwino misonkho ndalama analandira. Makasitomala amene inachita pangano mwa ndalama Bank Insurance Moyo kwa zaka zisanu ndi oyenera kukhala deduction a msonkho munthu. The msonkho wapatsidwa yekha pa gawo choposa ndalama mlingo refinancing.

Mayiko Insurance Health

"Ndalama Bank Moyo Insurance" kampani amapereka makasitomala ake mankhwala atsopano pofuna kuteteza matenda ovuta N'kuthekanso kuti alandire chithandizo kunja. Izi adzalola makasitomala kupindula zinachitikira akatswiri a zipatala otchuka dziko ndi kuphimba ndalama za kupereka chithandizo pa chithandizo cha matenda owopsa, ovuta, mayeso njira, kupeza katswiri maganizo zachipatala. Ubwino waukulu wa utumiki - osiyanasiyana ngozi, m'mayiko inu angathe kuchizidwa, ndi utumiki watsopano.

Mayiko inshuwalansi mankhwala amalola kupeza thandizo pa zochitika komwe sizikuyenda VHI muyezo: khansa chisamaliro opaleshoni, konzanso pambuyo limba kupatsidwa zina. pulogalamu limapereka chifukwa chochititsa profobsledovany kunja. malamulo komanso chimakwirira mankhwala a matenda amene apezeka makasitomala pamaso pa mapeto a mgwirizanowo (koma osati kale kuposa 2 zaka), komanso pa mapeto a nthawi yake. Komanso, makasitomala angathe kugula phukusi ena kunja.

inshuwalansi padziko lonse ngongole moyo (Sberbank) amalola makasitomala kulandira chithandizo m'zipatala kutsogolera padziko lonse:

• mu Germany, Israel, Spain, Turkey, Russia - mankhwala khansa opaleshoni;
• mu dziko lililonse - kupatsidwa zina;
• mu Israel - konzanso ndi kulandira chithandizo palliative.

Njira "onse kuphatikiza" mu pulogalamu inshuwalansi amapereka osati kulandira malipiro, komanso kutumikira gulu la ndondomeko chithandizo, ulendo munapangana, komanso limodzi ake. utumiki waudindo ali padziko koloko. Choyamba, isanayambe ndi pambuyo mankhwala amapereka malangizo hotline. Kachiwiri, mu mtengo kumaphatikizapo mtengo wa ndege kwa kasitomala Anafotokozanso m'munsili kunja. Tikakumana ndi matenda aakulu thandizo zofunika maganizo.

pulogalamu akuti ndi zaka 5. Zinthu zosowa za kuthekera yosintha pachaka mgwirizano. Malire wapachaka wa ndalama inshuwaransi pa munthu ndi $ 1 miliyoni ndi kuthekera tripling. Chifukwa cha lonse Kuphunzira dera limene malamulo ndi chikalata okha madola US. The zaka pazipita kasitomala - zaka 65. Pali mapulogalamu mokondera kwa makasitomala amene pangano banja lonse, wopangidwa mwa mamembala 5.

Insurance Pokemon - mankhwala atsopano pa msika

Pokemon - ndi khalidwe kuchokera latsopano masewera mafoni Pokemon Pita. Bukuli linapangidwa osati kuti opanga masewera, komanso osunga ndalama. "Roketbank" anali mmodzi wa oyamba amene unkatchedwa catchers inshuwalansi pulogalamu Pokemon. Pakuti "nsomba" pa nthambi banki khalidwe cardholders kulandira rubles 50 nkhani bonasi.

ntchito imeneyi zaposachedwapa anagwirizana Sberbank. Iye anatsegula webusaiti lapadera kwa osewera ndi keyala a mayunitsi 28, kukopa anthu otchulidwa zojambula. kasamalidwe bungwe chuma cha amafuna kuti bwino adzatha kukopa nthambi opanga masewera aluntha. Ngati, pa adani a munthu wa Pokémon kasitomala yavulala, kampani SC "Ndalama Bank Moyo Insurance" kumulipira inshuwalansi kwa pazipita kuchuluka kwa zikwi 50. Pakani. Yofunsira nawo pulogalamu akhoza anagonjera mwachindunji ku malo.

Kuti opanga masewera zina chidwi, Sberbank akugwirizira kampeni "Nthawi zonse chikugwirizana". Khadi zopalira akhoza yambitsa "Avtoplatezh" mpaka August 18, recharge kamodzi - kenaka kugwira bungwe Pokemon ngongole adzalipira wosewera mpira 500 bonasi, "Zikomo inu." Komanso, kasitomala ayenera kutumiza chithunzi ndi chiwerengero foni mu dera PM Sberbank pa Facebook kapena "VKontakte".

"Tinkoff Bank" anapereka magawo ake kuti zinthu. Aliyense kasitomala, ntchito kwa ngongole Tinkoff Google Play, kosamalira kukongoza adzalipira 2000 mabonasi. Iwo akhoza kulipira kugula aliyense mu sitolo online, kuphatikizapo masewera Pokemon Pitani (1 Mfundo = 1 ruble). Game, ndi zina amapereka ndalama kumbuyo opanga masewera pogula onse a Google Play (10%), odyera (2%) ndi kugula ena onse (1%).