Upenyu nehutano inshuwarisi. Upenyu hwekuzvidira uye utano hwehutano inshuwarheni. Upenyu hunomanikidzwa uye hutano inshuwarisi

Havasi vanhu vose vanofunga nezvehutano hwavo, kuti njodzi inogona kuitika kwavari, kana kuti vanogona kuwana rumwe rudzi rwekukuvadzwa apo vari kuita zvakanaka. Asi kana mamiriro asina kunaka achiitika, kazhinji kudzivirira kwavo hakugoni kuitika, uye zvino kurwisana nemigumisiro inotanga.

Voluntary inshuwarisi yevanhu

Mukana wakakwana wekudzikisa njodzi nekusimbisa kugadzirisa kwemaitiro akawanda ekukakavadzana maererano nekubhadhara uye kubhadhara kwekukonzera kukuvadza kwehutano upenyu hwekuzvidira uye inshuwarisi yehutano.

Kusvika iye zvino, vanhu vakawanda vanochengetedza hupenyu hwavo uye hutano kana vakagadzikana.

Upenyu nehutano inshuwarisi, zvechokwadi, zviri nani kuvimba makambani akavimbika uye akavimbwa ane rumbidzo isina kunaka uye mhinduro dzakanaka kubva kuvatengi vavo. Kambani yega yega inoremekedza kambani ye inshuwarisi ine webhusaiti iyo mumwe munhu anogona kuyanana nemitemo yayo uye kuongorora huwandu hweinishuwarenzi - kuitira kuti asarudze zvakanaka. Sezvo mutemo, nhasi kune rondedzero rose remakambani einishuwarenzi anoisa ruzivo rune ruzivo nemitemo yehupenyu uye hutano inshuwarisi. Kukurukurirana paIndaneti kunobvira, nekubatsira kwaungaita kuti uverenge mari yakawanda yemari yebasa.

Zvinokwanisika kushandisa mapurogiramu akasiyana siyana nemabasa emakambani akasiyana, asi hapana mubvunzo kuti hupenyu hwehupenyu uye hutano huri pangozi pose pose, uye nokuda kwechikonzero ichi zvakakosha kuzvitarisira iwe pachavo uye vadikanwa kuitira kuti utsungirire zvinetso zvinogona kuitika mumamiriro akasiyana-siyana.

Upenyu uye hutano inshuwarano zvirongwa

Inishuwarenzi inogona kunge yakasiyana. Kana iwe ukatarisisa zvakanyanya zvirongwa zvinokuvadza, unogona kuona kuti kubhadharwa kunobhadharwa kwavari kana zviitiko zvisingafanoonekwi zvikaitika - kukuvadzwa, kukuvara, kusarura kana kurasikirwa zvachose kwehutano uye kukwanisa kuita basa rebasa. Uwandu hwemaripo emishuwarenzi pamapurogiramu anowanzovhiringidza kazhinji, asi mari inogona kuva inonakidza. Zvirongwa zvepangozi zvinodzivirira zvakakwana mari nemunhu nemhuri yake kana akarasikirwa nomubatsiri, kana kuti munhu akachengetwa, nemhaka yehutano hwehutano, haagoni kuita basa.

Yakawanda yeinishuwarenzi

Uyewo kune vagari venyika yeRussia Federation zvinokwanisika kushandiswa kwekugadzirisa inshuwarisi. Icho chinopesana nei kuti mari yekubhadhara inogona kuwanika kunyange kana pasina inshuwarisi mamiriro kana zviitiko zvakaitika. Zvikamu zvinowedzera zvinopa humwe huwandu hwekuwana mari, uye mari yacho inotarisa pane izvo zvinotanga kushandiswa pakubhadhara zvinosarudzwa. Iyi purogiramu yakakonzerwa nokuti zvikwereti zvinogona kugoverwa kweimwe nguva, semuenzaniso, kana imwe nguva yasvika. Nehurongwa hwakadaro, unogona kuva nechivimbo chokuti imwe mari inogamuchirwa panguva yakakodzera. Iko nguva yakawanda yekuunganidza inshuwarisi inogona kunge yakasiyana zvikuru - kusvika kune hupenyu hwose. Nekubhadhara, iwe unogonawo kuita pane iwe pachako kuchenjera - zvose mukuzvida iwe, uye kuendesa kune vamwe vanobatana nezvikwereti izvi pasi pesungano yakagadzirwa nehutano uye inshuwarisi yehupenyu.

Mari inoshandiswa nemishumo yeinishuwarenzi kana mari yepayimusi inogona kuvimba nehuwandu hwemamiriro ezvinhu - pane izvo zvinotengeswa nehurumende nemishuwarenzi zvinosarudzwa, kune izvo munhu wezera rake, hutano nehupenyu huri. Mamwe mashoko akajeka pamusoro pe inshuwarisi yehupenyu kana hutano hunofanira kutanga hwakadzidziswa kubva kumakambani einishuwarenzi ivo pachavo.

Inishuwarenzi yevanhu vanokodzera basa rechiuto

Pane imwe pfungwa inokosha mu inshuwarisi - nyika inofunga nezvekuita kuti hupenyu uye hutano hwevas servicemen zvivheneke pasina. Inishuwarenzi yemhirizhonga yehurumende ndeyekuedza kubatsira avo vakarasikirwa noupenyu hwavo kana hutano hwavo, vachidzivirira nyika yababa. Vose servicemen vanozviisa pasi pe inshuwarisi yakadaro kubva panguva yekuuya kwavo muHondo Dzemauto uye kusvikira zuva rokupedzisira rebasa ravo. Asi, zvakakosha kufunga nezvekuti hutano hwehushuwarenzi hunoenderera mberi kune rimwe gore mushure mekusiya mauto ehondo apo chiitiko chekutanga kwekufa kana kuremara kwakabatanidzwa nekukuvadzwa kana zvirwere zvinogamuchirwa panguva yebasa rechiuto.

Kupa hupenyu nehutano inshuwarisi ye servicemen, hurumende inopa mazana emabhiriyoni emari. Asi kubva pamari iyi, havasi vose vanowanikwa kune avo vanovada. Izvi zvinokonzerwa nekuti vanhu havazivi kodzero dzavo dzemari, mari yepensheni uye yehupfumi. Kuti urege kurasikirwa nemari, iyo inofanirwa kugamuchirwa maererano nemirairo yemazuva ano nemagwaro epamutemo, unofanirwa kunge uine ruzivo ruzivo rwehupenyu hwehupenyu hwaunosangana nawo, kana kuti chii chaunofanira kutarisana nayo. Kunyanya, nokuda kwehupenyu uye hutano inshuwarisi panguva yebasa rechiuto.

Mitemo yeRussia inoreva kuti vanhu vanoita basa rechiuto vanochengetedzwa nevakuru vebazi, kana kunyanya kune avo vezvematongerwo enyika ayo anopa basa rechiuto. Iyi miviri inogona kuva yeHurumende yeZviviriro, Yenyika Dzepasi, iyo Federal Security Service, Federal Penal Correction Service, Federal Guard Service nevamwe vakaita savo. Vanishuwarenzi ivo pachavo ndevashandi vega, vane mvumo yekuita inishuwarenzi yenyika inomanikidzwa, iyo yakagumisa zvibvumirano zvakakodzera nehurumende dzehurumende. Mari iyo yakagoverwa kumabasa ekuchengetedzwa kwehurumende inshuwarisi yevasungwa inopiwa nehurumende yemari.

Ndiani anokonzera inshuwarisi yevarwi vehondo

Ndiani iyo nyika inonyatsovimba nayo mabasa ekushongedzwa kwehurumende ye servicemen? Muna 2011, mabasa aya akaitwa nekambani ye inshuwarisi yeMAKS, uye pakutanga, kubva muna 1993, Inishuwarenzi "VSK" yakaitwa mu inshuwarisi yeUnited Defense. Asi zvinhu zvose zvakashandurwa muna 2009, apo runyararo rwakakundwa naRosgosstrakh. Gore rakatevera, gore ra2010, makwikwi akapfigwa akarongeka, iyo Inishuwarenzi "VSK" yakanga isingabvumirwi. Vaya vasina kugamuchira inshuwalisi yakakodzera vanoziva kuti veHhovisi reZvondo vakakurudzira Inishuwarenzi "VSK", vachiratidza zvikwereti muhuwandu hwemamiriyoni makumi matatu eRubles, vachiruramisa nemari yakarashika. Mauto emukati, anowirirana neHurumende yeZvenyika, anotsigira Rosgosstrakh.

Nzira yekushandisa inishuwarenzi zvipo

Kuti urarame nehushuwarisi, zvinokosha kufunga nezvekuti hapana magwaro ehurumende uye mahurongwa ehurumende, asiwo mabasa ehurumende akasiyana-siyana, uye kwete ose aripo pachena. Nokudaro, hazvisi nyore kushandisa chero ipi zvayo inowanikwa muzviito izvi, kunyange nekubatsirwa kwevatongi vezvemhosva. Asi panguva imwe chete yezvipo izvi zvinoreva kugara uchibhadhara kubva kubhadharo. Nenzira iyi, inishuwarensi yekudzivirira ye servicemen inopindirwa zvakanyanya.

Personal inshuwarisi

Mushumiri mubasa reHurumende reZvenyika vanoiswa pasi pehupenyu hunomanikidzwa uye nehutano hwehutano inshuwarano inobva kuhurumende, iyo inishuwarenzi yemunhu. Kana nhengo yeHurumende yeZvenyika yakafa kana kuti gore rapera musati rapera mushure mekubva kubasa, uye kufa kwake kunobatanidza nekukuvadzwa kana zvirwere zvakagamuchirwa panguva yebasa, mhuri yake inotarisira kuwana mari yemari, chikamu chemakore gumi mubhadharo wemushandi. Nokuda kwezvinangwa izvi, kune bhajeti yakakodzera, uye mari yacho inobva yadzorerwa kune avo vane mhosva chaiyo yekufa kwake.

Mhosva yekubhadhara uye mazwi avo

Upenyu hunomanikidzwa uye hutano inshuwarisi ye servicemen inopa zvikwereti zvinotevera. Kana mushandi weHupatimendi reNyika akakuvadzwa uye asingamupi mukana wekuenderera mberi nebasa rake mune ramangwana, anogona kutarisira kugamuchira chikwereti chemari, chikamu chemakore mashanu okubhadhara, uye mari yacho inowananidzwa zvakare kune avo vane mhosva yeizvi.

Apo nhengo yeHurumende yeZvenyika inokuvadzwa kana kuti inokanganisa hutano hwake, ane kodzero yekuwana mari yekubhadhara, iyo inofanira kudarika purogiramu yepensheni. Asi mari iyi inobhadharwa nebhadhiro yakakodzera kana nemasangano akagadzira chibvumirano neHurumende yeZvenyika. Kana kukanganisa kunogamuchirwa neimba yevashandi veHurumende yeZvenyika kana hama dzake, mari yacho inodzingwa kubva mubhajheti, uye inounganidza kune avo vane mhosva yeizvi.

Saka, iwe unogona kubhadhara pfungwa yekuti iwe unogona kuwana nguva imwechete kubhadhara uye kubhadhara kukanganisa chete kana chimwe chiitiko chakakonzera kufa, kukuvadza kana kukuvadza kwepfuma chaiva chikonzero chebasa rehurumende.

Mhosva dzekufa nemamiriro ezvinhu ekubhadhara mari kumhuri yevakafa

Mumamiriro ezvinhu apo insured serviceman anofa, inshurensi mari inogona kugamuchirwa nemumwe wake, uyo ane nguva panguva yekufa, kuroorana, vabereki kana vabereki vakagamuchira vakanyoresa. Uyezve, kana munhu akafa akaisa serviceman asina vabereki, pasi pemamiriro ezvinhu kuti vanasekuru navanasekuru vake vanochengeterwa kana kukweredzwa kwemakore mashoma matatu, vanogonawo kugamuchira inshuwalisi. Kana baba vokurera uye amaikadzi vokurera vakabatanidzwa mune dzidzo nekuchengetedza kwemakore mashanu, vanofananidzirawo kuti vawane inshuwarisi. Uyezve, kana vana vevasiceman vari pasi pemakore gumi nemasere kana kuti vakagamuchira hurema kana vasati vava nemakore gumi nemasere, kana vakanyoresa musangano rekudzidzisa vasati vava nemakore makumi maviri nemaviri, vane kodzero yekuwana mari yeinishuwarenzi.

Inishuwarenzi maitiro pasi pemubvumirano wemishonga inshuwarisi

Inishuwarenzi maitiro emishuwarenzi yemhirizhonga yehurumende yevanhu vanoita basa rechiuto rufu mukati mebasa rekushandira, kana pane imwe nguva gore rimwe risati rapera kubva pakusiya iro semugumisiro wekukuvara kana zvirwere zvakagamuchirwa panguva yebasa. Izvi zvingave kuremara munguva yebasa kana gore rapera risati rasvika kubva pakusiya iro semugumisiro wekukuvadzwa kana zvirwere zvinowanikwa panguva yebasa. Chiitiko chehutsigiti chinogona kunge chiripo kana munhu akambomudzinga mushumiri kana mukuru wezvemishonga weuto anomuwana asingakodzeri kushanda muHondo Dzemauto maererano nekukuvara kana kurwara kunowanikwa munguva yehondo kana mari.