Inishuwarenzi Personal vomuUmambo mu Russia.

Chinangwa inishuwarenzi youpenyu anogara chido nechokwadi nguva yemberi yakachengeteka, zvisinei zviitiko zvisingafanoonekwi. Inishuwarenzi Makambani kupa vanhu kudzivirira zvido (kureva upenyu, utano, urema) pamusoro panowanikwa ngozi uyewo mukana kuunganidza mari. Izvi zviri pamutemo ukama chokuita insurer, ivo insured, ari insured.

Pahwaro chibvumirano inishuwarenzi pachake, ari insurer anofanira, panyaya panowanikwa zvimwe zviitiko mari (kamwe kana nguva nenguva) kuti insured mari inobhadharwa kwavari zvinodiwa insured munhu. The insurer inobhadhara Verengai insured nokuda inishuwarenzi shoma.

Zvakakosha kuti kuteerera rakarurama pauzima inishuwarenzi. chibvumirano Izvi paruzhinji uye inoratidza evanhu kudzivirirwa wacho kukosha. Kambani yeinishuwarenzi vanosungirwa kugumisa chibvumirano chero munhu akanyorera insurer uye kuramba inishuwarenzi panguva yakatarwa mutengo pasina munhu kusvika.

The zvinokosha chibvumirano chibvumirano zvichienderana st.942 Civil Code of Russian Federation inofanira raanotaura pamusoro chibvumirano pakati insured munhu, pazuva yezvakaita insured chiitiko, kukura Verengai insured, nguva ukoshi chesungano.

The insured munhu anofanira rakapa inishuwarenzi gwara (chitupa, chitupa), iro harisi chibvumirano, uye kusimbisa kuguma chibvumirano rweinishuwarenzi pachako.

Inishuwarenzi vanobatsirwa kana insured chiitiko inonzi rubatso. inishuwarenzi Personal vomuUmambo Russian anopa chero zvido vemunyika chokuita unhu hwomunhu.

In inishuwarenzi oga, kazhinji kuziva akawanda marudzi: inishuwarenzi youpenyu, tsaona uye chirwere inishuwarenzi zvokurapa, mudyandigere, tinofanira kugara.

Panowanikwa inishuwarenzi maruramiro pasi inishuwarenzi upenyu kunotsanangurwa somusi expiry chesungano, kuti izvo insured munhu akararama, kana vafa insured munguva kondirakiti (kunze kuzviuraya nevamwe zvinhu rufu).

Inishuwarenzi pamusoro tsaona uye zvirwere zviri akagovera insured pamusoro panowanikwa zviitiko kutakura utano uye kukonzera mamwe mari: tsaona, urwere, urema.

Medical inishuwarenzi (fanira uye nokuzvidira) - rudzi vemo 'Kuchengeteka, izvo rinobvumira pakuparwa chiitiko insured kupa mishonga kubatsira uye matanho.

inishuwarenzi Private anogona kutora chimiro uye mudyandigere mari inishuwarenzi, ari runoratidza iyo muduku mwero randomness.

inishuwarenzi Personal muRussia anogona kuva yokuzvidira uye fanira.

inishuwarenzi fanira inobva yeUnited zvemitemo yemibvunzo kudzivirira dzakafara negurumwandira Interest. Types rokubva inishuwarenzi inopiwa nehurumende: private mutakurwi inishuwarenzi madikanwa, inishuwarenzi kuti servicemen pachake uye kwaenzaniswa Mapato vemunyika, inishuwarenzi rokumanikidzirwa utano, inishuwarenzi motokari kuita.

In inishuwarenzi kana chero mhando inishuwarenzi pachake ari insured munhu anofanirwa kuita zvimwe chiito kodzero kambani inishuwarenzi aramba kubhadhara inishuwarenzi. Pamusoro kutambira mashoko panowanikwa chiitiko, unofanira kuzivisa kuti akwanise simba, unoenderana nyaya (yomumugwagwa mapurisa ari Interior Ushumiri, Kunoda Kukurumidzirwa Ushumiri, ari Interior Ushumiri, etc.). Pazuva iroro kuti ndizivise kambani yacho inishuwarenzi pamusoro tsaona, kwemazuva mashomanana kuti ape mashoko akanyorwa. The insurer inofanira kuva pasi zvaida magwaro pamberi kambani yacho inishuwarenzi nokuda kwokuripirwa yokuzvigadzirisa.