CWG: Wongororo. Inishuwarenzi kambani "Rosgosstrakh": zvazvingava, kero

Chinenge murume wose ano nezvazvo, nechokwadi iwe nemhuri yako hwandaiva upenyu inishuwarenzi, pensions, uye zvimwe zvinhu zvakafanana kukosha, uye panguva imwecheteyo kazhinji vanhu vari kutendeukira pazvinovaratidza CSG kambani. Reviews yemabasa sangano vari dzisingapindirani, pasinei nokuti vari mumunda uyu, ari kushanda kwenguva yakati uye uchiri kambani chikuru Russian inishuwarenzi zvevakomana.

Munyaya ino tichakurukura zvimwe zvinhu zviri UK inishuwarenzi kusarudza uye chii vatengi funga pamusoro mumwe nomumwe wavo. We mberi kubva chokwadi kuti mashoko pamusoro kambani CWG wongororo zvinokosha uye rakavimbika mashoko.

inishuwarenzi youpenyu

Zvichienderana sei chinozoiswa mutengo nemari, asi dzekare upenyu inishuwarenzi rakakamurwa mhando mbiri: tinofanira kugara uye ngozi. Zvinokosha kucherechedza kuti chokwadi chokuti mitemo tsanangudzo izvi pfungwa pane zvinodiwa chaizvo uye kwakavakirwa huripo tsika kushanda mashoko aya.

kuvadza

inishuwarenzi youpenyu Risk kudzivirirwa zvemari mhuri insured munhu kana munhu afa pane mamwe mamiriro ezvinhu, uye izvi nesipereti zvakajeka kunze chibvumirano pakati CSG kambani. Reviews basa iri chaizvo pamakakatanwa, sezvo vanhu vakawanda kana kugamuchira mubayiro pane zvose, kana akavagamuchira pashure zvekufamba zvakarurama yakareba, riri kwete nguva inofadza zvikuru.

In zvibvumirano zvakadaro kunogona, kana zvakakodzera kuva anowedzera sezvo inishuwarenzi mhosva chero chirwere kana tsaona, urema, panowanikwa zvinouraya. Chero kunyanyisa mari iyi nyaya asingadi kuumbwa, nekuti vose mari inobhadharwa nokuda yeGmail.END_STRONG achapedzisira kuenda kufukidza nengozi iyi, uyewo zvose zvemarudzi mari kubudikidza kambani inishuwarenzi. Hazvina kukosha ndechokuti mune iyi zvinopedzwa chero kubhadhara zvachose mushure expiry pamusoro inishuwarenzi kubudikidza CSG. Reviews kazhinji vakasara nevanhu vakanga vachiedza kuwana mari yavo pakupera kwayo, pasinei ndechokuti haina kupa mashoko mhando inishuwarenzi.

Maererano UK vashandi, kusarudza rakajairika nhasi anoramba kukurumidza inishuwarenzi kana kuti rufu insured.

tinofanira kugara

inishuwarenzi Endowment anopa zvishoma nezvishoma inotungamirwa nemari, uye zvinokosha kuziva chokwadi kuti inobatanidzawo zvachose chinoumba pangozi, izvo anopa Implementation zviri kuripwa akarongwa uwandu mari iri chiitiko rufu kana zvimwe zviitiko inopiwa nokuti chibvumirano zvakanyorwa.

Nhasi, vakawanda nzira iri kunzi upenyu inishuwarenzi vakavhengana, sezvo zvakaita rufu insured kana kukura (kana insured afa kare), maererano chibvumirano, kubhadhara yakati uwandu "Rosgosstrakh". Offices muMoscow uye mamwe maguta kazhinji kupa chete chibvumirano chakadaro. Izvi mhando inishuwarenzi, maererano wongororo, yakakurumbira kubvira mumazuva Soviet Union, asi zvinofanira kutaurwa kuti panguva iyoyo iye akapa rokumanikidzirwa inishuwarenzi mhosva chero tsaona.

Features

Nokuti musiyano uyu inishuwarenzi inozivikanwa anotevera zvinhu:

• refu refu, iyo unokubvumira zvishoma nezvishoma kusika anoyevedza uwandu mari maererano chibvumirano, pasinei nokuti mipiro iyi nyaya dziri zviduku;
• akavimbisa mumwe mutariri kuwanda nested zvibereko maererano chibvumirano, uye mune zvimwe zviitiko zvinogona kugoverwa yokuwedzera inivhesitimendi mari.

Nekuda maitiro aya reserves inishuwarenzi acharamba kukura hwose upenyu chibvumirano ichi. Nyanzvi dzinoti kana chibvumirano iri wakagumiswa pahwaro wechigarire, munhu ane mukana kuwana mari yakawanda sezvo kudzikinura mari - zvakakwana kusvika CSG. Offices zvinopa mari yakadaro, pasinei nzvimbo.

Zvinokosha kucherechedza kuti mari uye inishuwarenzi vari chero zvibvumirano kuti anopa vachibhadhara pamusoro kurarama, kusanganisira neniwo siyana zvibvumirano mudyandigere inishuwarenzi. Asi panguva imwe magweta vari zano kuti kuteerera chokwadi, kuti pacharo upenyu inishuwarenzi kana rufu uye anoonekwa kuti tinofanira kugara, kunyange zvazvo asingadi kupa kuwanikwa muzvinyorwa chibvumirano yokupona nyaya imwe nguva. Kwakachengetwa achitevedza gwaro iri, acharamba kukura kusvikira nguva inishuwarenzi, uye Parainge vakasvika chete pakupedzisira.

mazwi

Maererano kupatsanura mashoko, pane pfupi uye inishuwarenzi kwenguva refu.

Kutaura zvazviri, miganhu zvakajeka weboka iri ipapo, asi mamiriro ezvinhu siyanei mu "Rosgosstrakh" zvibvumirano kambani.

Offices muMoscow anenge ose yomumusha, asi, hazvinei, chii chaunokumbira, vachagara kukuudza kuti pfupi-izwi - ndiwo policies kuti rakapa gore rimwe, asi chaizvoizvo zvinowanzoitika ndezvokuti inishuwarenzi upenyu matatu kana mashanu makore Kunonziwo sezvo pfupi. Izvi zvinokosha kuti kusiyanisa kubva mamwe marudzi zvibvumirano vakagumisa akawanda emakore.

Mari nzira pachahwo refu-refu, pasinei zvinhu mutemo. Panguva iyoyo iri zvinobetsera inishuwarenzi pangozi Kazhinji, munhu pfupi, asi muna tsika kazhinji pane mamiriro ezvinhu kana wakabudiswa kana rufu 10-15, kana kunyange 25-30 makore.

Kwokuzvidira mudyandigere inishuwarenzi

The RGS inishuwarenzi iyi mhando iri purogiramu kuunganidza, kuburikidza iyo munhu anogona zvachose vakazvimiririra kusika pachavo mudyandigere yavo yemberi.

Mapurogiramu aya ndiwo chikamu mudyandigere enyika ari koshesa vakawanda kunyika ano, vakapiwa mukana vagari kuti igovere vakwegura chete. Zvinofanira kucherechedzwa kuti vakadaro gadziriro uchitova regai kuvimba mari inogona ehurumende, asi zvakananga mano uye kuda wezvizvarwa.

Vashandi of UK vanoti pane nzira dzakawanda sei kuti ape mari pamasikiro mudyandigere inishuwarenzi angava:

• mukanyiwa pakuverengwa pashure munhu rinosvika mudyandigere zera;
• hwose kubhadhara;
• hwose mudyandigere kuti urongwa kuchengetedzwa gavhuna kubhadhara.

Zvapedzisira Ipfungwa ane chinhu. Kana munhu akafa kuguma iyi isati, muripo uwandu zvichiitika tsitsi venhaka yake kusvikira kusvikira pashure yokupedzisira nguva waiti mu mutemo.

Zvinokosha kucherechedza kuti chokwadi chokuti CSG inishuwarenzi kwakadai kunogona zvakasiyana chaizvo mari, uye ndiwo zvakananga hunotsamira zvinoverengeka pamusoro. Kunyanya, mutengo akatsunga nomunhu zera, munhui ake, nguva kuunganidza pensions, ukuru vakaronga mupiro yasarudzwa pamanyorerwo uye sezvakarayirwa kubhadhara mipiro. The yeGmail.END_STRONG anosarudza ukuru inopfupikisa vakapiwa, kuti mudyandigere zera uye kakawanda kuita mari inishuwarenzi.

Zvaunofanira kuziva?

Kana mumwe chikonzero kana mumwe munhu anofa kunyange asati yakanatsa zera, zvose mipiro kuti dzave vaibhadhara kambani kwavari, kusanganisira akazviunganidzira guru, achabviswa akadzokera venhaka yake.

Havasi vose vateerere ndechokuti CSG kubhadhara kugovera vamwe kugadziridza zvinhu hunoita kuitira kudzivirira renyu guru munyaya mitengo. Bvumiranai, zviri zvikuru zvakakosha nyika yedu, vakapiwa panzvimbo akadaro upfumi.

chibvumirano Your mudyandigere inogona akaongororwa, kana zvichikodzera, zvichienderana avo kana zvimwe zvinhu. Saka (uye vatengi zvinoratidza ruzivo urwu), kana kutsvakwa, unogona kushandura kukura muripo, kana zera, pashure vanotanga chinozoiswa. Pakati pezvimwe zvinhu, unogona kuita mimwe mipiro, iyo kunokoshawo.

Kazhinji zvinoitika kuti mudyandigere chezvawanyora mureza mubatanidzwa upenyu inishuwarenzi uye inivhesitimendi dhipoziti. Kuti pane chikamu mipiro vakatuma kufukidza pangozi, ukuwo vamwe chikamu inova mhando inivhesitimendi. Saka, kana insured munhu anofa kana chinozadzwa akaremara, kambani inobhadhara zvizere uwandu venhaka yake.

Zvinokosha kutaura kuti shoma zvinoita chikamu mari maererano chibvumirano kungava 4% chete annum, uye CSG nemaitiro anogona kupa yakakura mari mari. Zvisinei, tinoona kuti pane review, kazhinji akataura zvichiita yokuwana mari chete maererano shoma zvazvingava, zviri kuvarwadza zvikuru kuitika uye zvinogona vatengi.

Chikomo

Kutonga nezvinooneka wongororo, iye inishuwarenzi zuva policies Hull akanakidzwa muRussia muna kudiwa kukuru, sezvo upfumi mamiriro zvishoma vachiwedzera pazvakagadzikana, apo nemabhangi massively kupa vagari pamwe zvikwereti motokari, asi zvinoda anokwereta vanotadza nyaya ataurwa chibvumirano.

Vamwe vanhu zvakakanganisika vanofunga kuti shoko rokuti unomiririra "revatema motokari inishuwarenzi kunze basa", asi chaizvoizvo hazvina kudaro. Pfungwa iyi akatamira kwatiri kubva European tsika uye ane dzakawanda pamutemo izwi kuti rinotsanangura nzira kuti akadzika kudzivirirwa chero nzira yokufambisa, kusanganisira mvura kana mhepo.

Pasinei nokuti yepakutanga Hull inopa chete inishuwarenzi kuti motokari kubva ose zvakakanganisika kana kuba, zvinokwanisika kuti kudzivirira-siyana nenhumbi, uyewo utano uye upenyu - zvose mutyairi.

Chii inokanganisa mutengo?

Nyanzvi dzinoti zvikuru yakaoma iri nedanho vanyorwa chezvawanyora kusarudza zvakanaka inishuwarenzi kusarudza. Saka, pane zvikonzero zvikuru zvinoverengeka, maererano izvo CSG ( "Rosgosstrakh") anogadza mutengo inishuwarenzi akaita:

• The yasarudzwa kuita. Nhasi zvinobvira kugadzira zvishomanana kana rizere negwaro. Full rinopa inishuwarenzi pamusoro kuba kana kukuvadza, ukuwo rushoma kunosanganisira chete zvapedzisira mhando ngozi.
• Kuvapo uye kukura kodzero. mutemo mutengo ipfupi zvichienderana sei guru rimwe deductible.
• Verengai insured. Zvingava kuva uwandu hwezvinhu zvose zvabatanidzwa. kana nonaggregate (Achifara). Kushandisa musimboti wokutanga pakupedzisira inotungamirira kuti mumwe Zvakazoitwa kwokuripirwa inishuwarenzi kuwanda vari kuderedzwa. Izvi zvinoreva kuti vakadaro mutemo achava isingadhuri zvikuru pane nonaggregate.
• Indemnification. Kune nzira dzakawanda, kubvira kugadziriswa imwe chitoro akaguma ane mari muripo. In ruzhinji nyaya RGS chigadzirwa (CTP kana Chikomo) rinopa kugadzira basa chiteshi insurer. Uyewo, vazhinji titsaukire nezvechisarudzo ichi nokuti ine zvikuru democratic mutengo. Mune mamwe Kana upi, iwe uchava kubhadhara mutemo zvikuru.
• Nzira kuti pakuverenga kubhadhara. Mari inogona kuchinjwa tichitarisa kusakara kana zvakafanana pasina iye. Unosarudza kusarudza yechipiri? Zvadaro kugadzirira chokwadi kuti mutengo inishuwarenzi vachamuka chaizvo. Izvi kunosimbiswa vanhu vakawanda wongororo dzavo CSG.
• Ukuru uye makore mutyairi. mutemo mutengo uri zvakananga novimba sei akura ndiye muridzi motokari uye akwegura sei akanga.

Munguva ichangopfuura, vanhu vasiri kazhinji kuita kunze Hull iri CSG. Rating iri kambani iri zvishoma ipfupi, uye muzvinhu zvakawanda izvi nokuti kuti mambure zvino yakawanda kunaka nezvaro pamusoro kushaya vachibhadhara.

The chaizvo chete sangano anoda kumbonyanya inokwanisika ezvinhu mureza mutemo, kusanganisira mapurogiramu akadai "Chikomo Economy" uye "Elementary Hull." Uyewo, kana munhu haana kupinda chero tsaona, asi akasarudza kuzodzosera ngaateme mutemo pano, kambani yacho inishuwarenzi RGS akamupa dhisikaundi.

Chii chinofanira Ndinotsvaka?

Sezvo nhoroondo wandei ane ruzivo pamusoro asiri mubhadharo pamusoro chikamu chekambani magweta yakarumbidza vaifanira pakutanga tinyatsoziva zvinhu zviri inishuwarenzi usati kuuraya chibvumirano, kana iwe enda CSG. Matavi kupa zvakafanana policies, asi akaverenga kukosha hazvifaniri here kuva kusarudza chikonzero. Munofanira kuva zvinobvira kudzidza zvose pfungwa dzose gwaro, kukurukura zvose nuances uye kuziva mikana inogona kushandiswa kwamuri ramangwana.

Chekutanga kuteerera motokari okuchengetera zvinhu usiku. chinhu ichi nguva nenguva rinowanika uye haarambi kubva mutemo, asi kana acharamba aripo, unofanira kunzwisisa kamwechete kuti haana motokari zvose mumapaki vane pamutemo kuchengetedzwa chinzvimbo, uye kupa vatengi vavo vanotsigira magwaro.

Panguva chibvumirano, muri kuenda nemashoko CSG (matavi kazhinji kuuya chibvumirano chete), tinofanira pachena hunosanganisira zvinhu zvakadai se "kuba", "kukuvadza", "kuba" uye "zvachose kurasikirwa motokari," uye varege chete ambotaurwa, kureva kutaurwa zvizere. Vatyairi ruzivo vanosimbisa kuti kana musingadi kuomerera papfungwa iyi, pakupedzisira iri chiitiko nharo unogona kuramba zvakakodzera muripo.

Ona "Mabasa vemapato" inodzora zvakajeka mutengi ukama uye kambani. Zvikurukuru, makanyorwa maererano chii chaicho munhu anofanira kuzivisa kambani maererano kuzomukazve inishuwarenzi nyaya. It zvinowanzoitika kuti kukundikana kuti zvinodiwa ataurwa chibvumirano ichi, zvoita kuti Kuramba muripo.

Address muMoscow

CSG (Moscow), kambani anobvumira kushandisa namatavi panguva dzinotevera kero:

• Kiev, 7;
• Krasnaya Presnya, 38;
• Myasnitskaya, 43;
• Leninsky tarisiro, 23;
• Novoslobodskaya, 31;
• Leningradsky Prospekt, 33.

Pasinei yokutaura yaunosarudza kuzoitawo weDhipatimendi CSG (Moscow - iri guru, saka SK Affiliates pane zvakawanda), imi ichapiwa zvakangofanana mashoko uye mamiriro. Ndokusaka zviri nguva dzose zvinoita kuenda zvakananga kuhofisi, riri pedyo.

Kero muSt Petersburg

Matavi SK pamberi pedu iri rinenge guta makuru ose. Zviri zvikuru zvomuzvarirwo kuti muSt Petersburg, zvakare, unogona kuwana vazhinji dzemapazi CSG kambani. The kero ndeinotevera:

• Kuibyshev, 23;
• Tambovskaia, 33;
• Cash, 40;
• 1st Krasnoarmeyskaya, 13;
• Tchaikovsky, 8;
• Industrial Avenue, 25.

Sezvaiitwa yapfuura nyaya, vatengi zvose zvinopiwa ezvinhu chaiwo chete. Uye hazvina pakuti, kuburikidza icho bazi vanoda kushandisa basa racho CSG. Kero isu zvinopa chete nokuda mumwe munhu aigona kusarudza zvikuru yakakodzera kwaari hofisi vatange kufarira urongwa.

pachinzvimbo mhedziso

Saka, kana kutsvakwa, nhasi munhu anogona kutora kubva inishuwarenzi, zvisinei nzvimbo yavo yokugara (mu Russia) kana yavo zera. Panguva iyoyo, tiri kufunga mahofisi chekambani varipo anenge guta guru ose, uye akawanda, kwakakwana kuitira kuti munhu wose anogona kuenda zvikuru yokuita Representation inishuwarenzi itsika.