Inshuwalansi. Kodi ngati inshuwalansi kampani othandiza akuti ndalama?

Kodi munayamba funsani inshuwalansi kampani atapereka inshuwalansi malipilo ndipo takumana ndi vuto pamene insurer akuyesera njira zonse zotheka kuti kumangitsa malipiro, kudyetsa pa malonjezo omwewo?

Njinga Insurance latsopano la Russia ndi dera m'malo atsopano. Mpaka zaka zingapo zapitazo, inshuwalansi unali pagalimoto Russian, chinthu chatsopano, osadziwika.

Ndi momwemo zimachitika mu Russia kuti kampani ya inshuwalansi zambiri sachedwa nthawi imene malipiro a inshuwalansi chipukuta misozi. Izi zimachitika pa zifukwa zosiyanasiyana: ndi insurer a mavuto azachuma; zikalata operekedwa ndi policyholder si zokwanira kuonetsa mmene chochitika inshuwaransi; sachedwa adziwe mu gulu lina; kampani inshuwalansi ndi siteshoni utumiki kwa nthawi yaitali sitingakhoze kugwirizana pa mtengo wa kubwezeretsa kukonza, etc. Komabe, zimene akadali kuchita, ngati kuyembekezera malipiro wakhalako motalika kokwanira, ndi oremontirovat galimoto panokha m'pofunika posachedwapa?

Kuti muyambepo, kutsegula malamulo a inshuwalansi CASCO kapena MTPL ndi kupeza nawo malire a nthawi mkati amene insurer ndi chofunika kuti vyplatu.Esli muli n'chosamveka malamulo a inshuwalansi, mukhoza kupempha pakati katswiri wina inshuwalansi.

Ndi kuchedwa zazing'ono (masabata 1-2), mukhoza kudikira. N'zotheka kuti akuchedwa chifukwa chisokonezo mu dipatimenti ya malipiro kapena malamulo.

Yambani kuchitapo kanthu koyenera kumanga malipiro akuti kuposa mwezi umodzi. Apo ayi, insurer apitirize kudyetsa "malonjezano" kwa osawerengeka.

Pakuti zimakhudza motani inshuwalansi kampani, m'pofunika kulemba chisanadze mayesero amanena pa dzina la lowongolera limene kufotokoza mfundo za chithandizo chanu kwa inshuwalansi kampani ndi kupempha insurer kuti afotokoze chifukwa akuchedwa tsiku lomalizira malipiro. Komanso chonena udzafunidwa kuti malipiro ndi akusonyeza kuti inshuwalansi kampani wapereka yankho mu kulemba.

amanena Pre-mayesero angathe kubweretsa nokha kwa inshuwalansi kampani, pamene wotsogolera kampani kulandira ndi kupala amanena mwa mlembi wa lamulo cholemba wa umwana wake. Mukhozanso kutumiza chisanadze mlandu amati ndi inshuwalansi kampani ndi kalata mayina ndi akazindikire ndipa. kabukuka zodzinenera chisanadze mayesero ungathe kutumizidwa kwa FSIS (Service Federal kwa Insurance kuyang'aniridwa) ndi RSA (Russian Union of inshuwalansi akuda), ngati malipiro kuchedwa chifukwa cha CTP.

Nthawi kumene inshuwalansi kampani sakulabadira kuti zonena kapena akutumiza chokana olembedwa kuti kudzinenera kwanu, m'pofunika kupita kukhoti, ndi makhoti kufunafuna inshuwalansi reimbursement. Kuwonjezera inshuwalansi malipilo kudzera m'makhoti akhoza kukhala wolandira ku kampani ya inshuwalansi chidwi kwa malipiro anachedwa.