Mokakamizidwa zachipatala inshuwalansi - izi ndi ... Insurance premiums inshuwalansi mokakamizidwa thanzi

Mokakamizidwa chikhalidwe, penshioni ndi inshuwalansi - mamembala a pulogalamu boma kuthandiza anthu. Pamafunikanso ya miyeso gulu, malamulo ndi zachuma. Tiyeni tione zina zomwe zimapanga Federal Yokakamiza Medical Insurance.

terminology

Mokakamizidwa inshuwalansi - dongosolo la miyeso malamulo, gulu ndi chuma umalimbana amatsimikizira mfulu makonzedwe a thandizo kwa anthu pa zosayembekezereka wa zochitika zogwirizana. Ndalama ikuchitika likuvutika HIF kapena mu dera lawo m'munsi mwa dongosolo boma. Waukulu normative kuchita malamulo mokakamizidwa inshuwalansi - Chilamulo nambala 326. Ndi imalongosola mfundo kiyi. Makamaka, malamulowo amasonyeza nkhani ndi chinthu wa MLA, chiopsezo ndi chitetezo, ndi kukonzanso kwa Kupititsa m'munsi mwa dongosolo, chimene pali mokakamizidwa inshuwalansi. Federal Chilamulo № 326 komanso limatanthauzira maudindo komanso ufulu wa anthu kulowa mgwirizano, udindo wawo.

Kufunika kwa vuto

Isanafike 2011, panali chitsanzo ena a MLA. Komabe, ikusonyeza kumapeto, ndi inefficient kwambiri. Chifukwa chachikulu ichi chinali chosowa zinthu zoyenera zimene limazungulira pa kutumikira mtima ndi zosowa zake. Isanafike 2011, mwayi kusankha bungwe lomwe akuchita inshuwalansi mokakamizidwa mu Moscow kapena kuti mzinda wina, anali nzika ndi abwana ake kapena thupi wamkulu. Zochita zimenezi zinachititsa kuti kuchotsa enieni alionse nawo tanthauzo la MLA. Komanso ubale mwa dongosolo ndi mfundo zenizeni. Makamaka, zipatala ndi zipatala analandira ndalama ku mabungwe monga malipiro a ndalama za chithandizo ikuchitika, ndi makonzedwe a chisamaliro odwala. Ndipotu, mabungwe kotero zachipatala kuonetsetsa bajeti yeniyeni. Kuvomerezedwa Health Fund Insurance alibe zotsatira othandizira pa zipatala ndi zipatala. Choncho, otsiriza analibe chidwi kuwongolera ntchito.

Momwe zinthu zikusinthira

Panopa mokakamizidwa inshuwalansi - ndi pulogalamu cholinga kwa ndalama za mabungwe, ndi zipatala si wotero. Lamulo pamwamba kumathandiza zayamba mphamvu nzika. Choncho, munthu akhoza kusankha ndi kampani ya inshuwalansi, ndi zipatala ndi madokotala. Pa chikhazikitso chomwecho zachipatala, amene m'gulu m'kaundula, ndipo zinasaina pangano kupereka ntchito zogwirizana la msonkhanowu, alibe ufulu kukana ndi thandizo nzika.

m'madera Ofunika

Mbali imodzi yaikulu mu dera uyu akuchita ndondomeko, chimene ndalama zolipirira mokakamizidwa inshuwalansi. Chilamulo nambala 326 nthawi madera awa:

1. Malamulo a mapangidwe ndalama.
2. Mtengo wa inshuwalansi umafunika nzika ulova.
3. Nthawi ndi ndondomeko, nthawi kuti disbursement lapansi.
4. Udindo monyanyira zopereka deduction.
5. Malamulo atakhala tariffs kwa malipiro a utumiki zachipatala pa MLA.

Kwa 2011-2012, a inshuwalansi premiums inshuwalansi mokakamizidwa thanzi anali chinawonjezeka ndi 2%. Izi ndidzatumiza kwa gawo thanzi kuwonjezera za rubles biliyoni 460.

tariffs

Gulu la premiums inshuwalansi inshuwalansi mokakamizidwa mu bajeti FFOMS CSC - ndondomeko kuti apambane mabwana onse. phindu zimadalira mode kwa misonkho ndi mtundu wa bizinesi. Komanso, mlingo wa kuchita masamu kutenga nkhani m'gulu la samalipira lapansi. Gulu la Yehova likhoza mlandu malipiro monga Tinganene kapena kugwiritsa ntchito mitengo m'munsi. Komanso siyana zofunika antchito kwa amene phindu malipiro amapangidwira.

Mu 2016 mlingo kwa SP ndi ogwira ntchito ndi mabungwe mu HIF - 5.1%. Ubwino ndi: gulu la anthu olumala (2.9 Nchito%), mtundu bungwe pagulu (2.9 Nchito%), odyera kuti kupereka ufulu thandizo (2.9 Nchito%), gulu linalake hayala likulu - zopereka (2.4%).

mfundo zofunika

Malamulo kuvomerezedwa malamulo inshuwalansi №326 inakhazikitsa kamba zotsatirazi:

1. Khalidwe chilengedwe cha MLA.
2. Kupereka boma amatitsimikizira kuteteza anthu ndi kuopsa.
3. Kudziyimira pawokha ndalama MMI dongosolo.

Mfundo imvera inshuwalansi mokakamizidwa thanzi - ndi:

1. Kuonetsetsa HIF chifukwa amatitsimikizira ufulu thandizo nkhani pa zosayembekezereka wa zochitika zogwirizana.
2. Mtendere wa zachuma. Bata anaonetsetsa pamaziko a pazikhala kufanana kwa inshuwalansi thandizo MHI ndalama.
3. Kuvomerezedwa malipiro amachotsera mu mulingo unakhazikitsidwa malamulo.
4. State chitsimikizo kuti zofuna za anthu inshuwaransi kukwaniritsa udindo, pa pulogalamu zofunika Chi, kaya mkhalidwe wachuma wa insurer a.
5. Polenga zinthu kuonetsetsa khalidwe ndi kupezeka kwa chithandizo.
6. Parity chifaniziro cha ophunzira ndi nzika za OMC mu ulamuliro.

Limatchula za kusintha kwa

Kusintha zinthu CMI akutumikira monga mbali ya zikuluzikulu kusintha zaumoyo latsopano la Russia. Akatswiri amakhulupirira kuti malamulo womulera amathandiza kuti chitukuko bwino dongosolo lonse. Pankhaniyi, cholinga cha anthu opanga chisankho akhale yekha thanzi anthu. Ndi chifukwa kusankha katswiri chimene, imene bungwe zolankhulirana. kusankha anthu sayenera ufulu kwa zipatala ndi zipatala mu dera yogona kapena kulembetsa.

nzika

gulu Izi zikuphatikizapo:

1. inshuwaransi anthu:

• ntchito chilamulo boma ndi ntchito mapangano, mu mutu umene amene akuchita kuphedwa kwa ntchito kapena kumasulira kwa misonkhano, komanso chiphatso ndi kukopera mgwirizano;
• wodziimira anthu (amalonda, anthu wodziimira).

2. inshuwalansi akuda:

• anthu zikugwira mabonasi ndipo malipiro ena kwa anthu (bungwe SP);
• amalonda payekha.

3. Federal thumba kumachita monga insurer ndi. Ndi sanali phindu gulu anapanga kukhazikitsa ndondomeko za boma ku dera la MLA.

gulu

Mu dongosolo MMI alipo:

1. Kupititsa ndalama. Iwo anapereka lomwe si phindu gulu popangidwa ndi zigawo za kukhazikitsa mfundo za boma ku dera la OMC mu madera a la Russia. nyumba izi kuchita zina mphamvu inshuwalansi akuda zokhudza ntchito ya mapulogalamu dera kuvomerezedwa medstrahovaniya.
2. Medical maofesi. Zikuphatikizapo gulu analonjeza MLA Register ndipo anali ndi ufulu kugwira ntchito m'munda wa zaumoyo ndi inshuwalansi kuvomerezedwa. Iwo akhoza kupangidwa ndi amalonda munthu kapena gulu la mtundu uliwonse malamulo adzaloledwa ndi malamulo.
3. makampani inshuwalansi. Akamagwira ntchito yawo m'munda wa MLA pamaziko a chilolezo mwapatsidwa ndi ovomerezeka thupi supervisory. Insurance medorganizatsii kukhazikitsa ena mphamvu inshuwalansi akuda Chilamulo Federal № 326 ndi pangano pa ndalama za MLA, amene ali ndi thumba dera.

kaundula

Monga zinanenedwa pamwamba, kumaphatikizapo medorganizatsii. The kulembetsa pamaso pawo:

1. Mayina.
2. Mndandanda wa ntchito zomwe anapereka mu chimango cha mapulogalamu dera MMI.
3. Adilesi.

Kupititsa Fund kupitiriza m'kaundula ndipo amayika pa maziko kuvomerezedwa pa webusaiti boma. Anandilola buku zina zambiri m'njira zina.

chitukuko cha mapulogalamu

Malinga ndi mchitidwe mosavomerezeka № 326 m'munsi ndi malangizo okhudza malo Chi inakhazikitsidwa. Mu Chapter. 7 chikalata ichi chikusonyeza mndandanda wa misonkhano, zimene m'gulu lililonse pulogalamu. Kuyambira 2013 malangizo kutchulidwa zikuphatikizapo chisamaliro ngozi zachipatala, ndipo mu 2015 - ndi zamakono. Program ovomerezedwa ndi mayiko a m'dera lawo ndi boma. Kuweta malangizo likukhudza dziko lonse, ndipo ukugwira ntchito mu gulu malo. Zigawo anapatsidwa ufulu kuwonjezera msonkhano waukulu milandu inshuwalansi ndi mitundu ya chithandizo chimene sali m'gulu la MLA. Pa nthawi yomweyo iwo ndalama zogulira makonzedwe awo.

Mokakamizidwa inshuwalansi: policy

Moscow unali mzinda woyamba mu dziko kumene zikalata izi kuyamba. M'kupita kwa kukhazikitsa pulogalamu MLA apereka kwa anthu m'madera ena. Isanafike 2011, ndondomeko MHI sanali chimodzimodzi kwa onse. Uliwonse kampani kusindikiza njira zawo. Anayenera m'malo pa atapita. Ngati anthu anasintha ntchito, iye ankayenera kuti adzipereke mfundo wake abwana ake. Nkhani latsopano linaperekedwa kwa iye ndi bwana wina. njirayi amatenga nthawi kuti munthu amene anachotsedwa sakanakhoza kulowa chithandizo. Ngati nzika anakhala pa ulova, iye ankafuna kuti mfundo gulu la kutsimikiza anthu lova chifukwa cha mpikisano. Pa nthawi ino chikalata ndi chikalata kwa anthu onse ndi mtundu umodzi kwa zigawo zonse. Iye amaoneka ngati ngongole. Kumbali kutsogolo kwa malamulo a mokakamizidwa inshuwalansi mankhwala a chitsanzo watsopano (kumene chiwerengero cha manambala 16) lili Chip a. Izo zinalembedwa zokhudza kampani imene inakhazikitsa chikalatacho. Information za munthu inshuwaransi pano pa nsana wa khadi. Iwo dzina, tsiku lobadwa. Kumbali kumbuyo palinso chithunzi ndi chitsanzo siginecha.

Ndondomeko kupeza

Poyamba, anthu anapatsidwa malamulo dera la MLA. Pofuna kukhazikitsa pulogalamu boma zinachitikadi pang'onopang'ono m'malo. POMS akutumikira monga chikalata chotsimikizira lamanja la nzika kulandira ufulu chithandizo ku gawo lonse la Chitaganya cha Russia kufika operekedwa mu dongosolo lenileni. Kupeza munthu kapena kupyolera anthu ake adzakhala kugonjera ofunsira. Izi zikhoza kuchitika mwachindunji mu inshuranse kapena TFOMS medorganizatsiyu. Pa tsiku la kuvomereza ntchito nzika ndi kalata zosakhalitsa. M'malo malamulo kuti adzakhala chikalata. Pa atapita, kawirikawiri 2 masabata nzika akulandira chikalata amagetsi. mfundo pulasitiki chomveka mpaka kalekale. M'malo chikalata lilipo milandu zotsatirazi:

1. Loss / kuwonongeka / avale.
2. kusintha dzina

Ngati inu kusintha malo okhala / kalembera, udindo nzika (ntchito kapena osagwira ntchito) POMS m'malo palibe.

mawerengedwe a deadlines chifukwa cha utumiki

Pogwiritsa ntchito boma MHI malamulo okhwima okhudza malamulo zokhudza nthawi ya malipiro operekedwa kwa chisamaliro mtima. Mu zipatala tsopano ndi chitsimikizo cha malipiro chifukwa cha utumiki nzika nonresident. Zimenezi, kumawonjezera chidwi mabungwe mankhwala kuthandiza anthu. Ngati malipiro kuchedwa inshuwalansi medorganizatsiya ndalama okha kulipira bungwe chilango. kukula kwake ndi kuchita masamu pa mlingo refinancing wa Bank ku Central (1/300) tingati pa tsiku la mapangidwe pochedwetsa. Kakyulasi zachitika ndalama sanali kutchulidwa tsiku ndi tsiku.

Mokakamizidwa inshuwalansi mu Moscow: Company Mavoti

Mndandanda wa mabungwe ntchito mu chimango cha pulogalamu MLA, wasenza malinga ndi muyezo winawake:

1. Chiwerengero cha katundu wa POMS.
2. ntchito.
3. Kapezekedwe ka mfundo ufulu nzika.

Malinga ndi akatswiri, mlingo wa mphamvu ndalama si kwambiri yokonza mlingo wa. Ichi ndi chifukwa kutha kwa ntchito za bungwe makamaka pa nzika si bwanji. Chinthu chokha chimene idzagwa iwo kuchita - ndi kusintha malamulo. Mabungwe otchuka kwambiri likulu ndi:

1. "RESO-Med". kampani ali ndi maudindo 37, amene anaphedwa POMS. zochita zawo ndi osiyana, ena mwa iwo ntchito usana ndi usiku ndi kupita kumalo azisangalalo. Pa miyezi 9. 2012 analandira zoposa 200 zikwi. Zokhumba, umene 43 m'Malemba madandaulo. kampani limapereka mudziwe mmene kutsutsa zosiyidwa / zochita antchito, mkulu khalidwe mbali mndandanda medorganizatsy MLA.
2. MSK "Medstroy". Kampaniyi lili ndi mfundo 4 a nkhani POMS. Ofesi chapakati akugwira ntchito usana ndi usiku. kampani limapereka phwando ntchito mu mawonekedwe a pakompyuta, komanso zikalata analipira yobereka. bungwe likuchita yekha ndi inshuwalansi.
3. "Ingosstrakh-M". Gululi lili ndi mfundo 4 a nkhani POMS. Kampani ntchito kwa nzika kuteteza zofuna zawo kukhoti. kampani walemba zimenezi ndi makasitomala kuposa miliyoni 4.5.

Mafunso mukufotokoza

Kupatula limodzi mfundo OMS, iwo akufuna kuti atchule m'malo alipidwa timva pepala ofotokoza thanzi (zolemba zamankhwala) amagetsi. Ichi ndi chifukwa chakuti pamene kulandira sanali wokhala nzika dokotala ayenera kudziwa za matenda ndi zikhalidwe za mtima. Nzika zambiri Musatenge nawo zolemba zamankhwala. Pamaso pa mbiri pakompyuta mankhwala amasungidwa Nawonso achichepere limodzi, katswiri aliyense ku mzinda iliyonse mofulumira zonse zofunika. Pa nthawi yomweyo zingapo za ku Ulaya ntchito za mbiri pakompyuta umoyo zopezera lonse sikuloledwa. Ichi ndi chifukwa cha kusadalirika kwa munthu machitidwe deta chitetezo.

Pomaliza

Mokakamizidwa inshuwalansi mankhwala - izi ndi sitepe kwambiri patsogolo mu State kusankha makonzedwe a chithandizo kwa anthu. Pulogalamu mapulogalamu monga osiyanasiyana zofunikira zonse Ntchito zimene mukhoza kupeza munthu ufulu. Kupereka anthu ndi mwayi kusamalira likuvutika gwero la ndalama, kungakupatseni ndi boma. Lamulo lolamulira kuchuluka kwa inshuwalansi mokakamizidwa thanzi Analeredwa ndi posachedwapa. Komabe, nthawi ya lamulo limeneli, anthu ambiri anali kupeza mwadzidzidzi, mwadzidzidzi ndi chisamaliro anakonza. Iwo anapereka ntchito kuti kale anthu awa samakhoza kutenga katundu. Panopa lamulo nambala 326 zikugwira ntchito kwa anthu onse okhala m'dzikolo. Cholinga cha malamulo pa malo oyamba ndi kulimbikitsa ufulu wachibadidwe woperekedwa ndi kumanja oyendetsera dziko la nzika za kubulusira chithandizo. Kukhazikitsa madalitso ake kumathandiza kuti kuwonjezeka pang'onopang'ono ndalama zaumoyo. Izi nawonso umakhala ndi bwino boma ukutitsimikizira ufulu chithandizo kwa anthu ndi maudindo a boma.

Kukhazikitsa lamulo kumatithandiza kulimbikitsa mfundo ndi luso m'munsi mwa zaumoyo. Chifukwa cha zimenezi, cholinga kukufika, womwe poyamba linayikidwa - Kuonjezera ubwino ndi kugula chithandizo kwa anthu. Lamulo nthawi mwatsatanetsatane udindo ndi ufulu wa onse ndi okhudzidwa, malamulo mogwirizana ndi zomwe inshuwalansi mokakamizidwa thanzi. Moscow unali mzinda woyamba, pamene anayamba ntchito dongosolo anakhazikitsa. Lero, anayamba chiwembu ukugwira m'dziko lonselo. Federal Chilamulo № 326 nthawi ubale wa zigawo zikuluzikulu zonse za dongosolo ikukhudza wamakono wa MLA ndi chitukuko wotsatira wa gawo lonse thanzi.