Hoʻopaʻa waiwai hanana - kēia hanana i, i hoakaka ia ma ka aelike

Ma Rusia, he nui na lapaʻau poʻe i mōhai aku i ka lakou lawelawe ana i ka lehulehu. Ka 'atikala i ka nīnau i ka lapaʻau hanana - ia ana hanana, mau mea kōkua i ka ua hoʻohiki uku o ka hoʻopaʻa waiwai e like me ke kānāwai.

ʻano likeʻole lapaʻau

'Ana ma ka wā kekahiʻawaʻawa loa i hana' ia aelike ma muli o ke dala haawina ua loaʻa mai nā haʻawina uku e insurers a me nā 'ē aʻe paha, kapa lapaʻau e pale aku i ka pono o ke kanaka a me ka loio i nāʻoihana, kanaka o ka RF a me ka kulanakauhale a papa hana. He koho a me ka naau mai.

? ueo:

• Paulele i ka hoʻomana - 'inikua (ola, he ulia pakalaki) a me ka hoomau. Ma keia kumu, ua hoʻomohala i ka hailona o okoa huahana.
• Kanawai aie (poino ke ola a me ka waiwai o ke kolu o ka aoao - pāʻoihana a me kanaka).
• Property (ukana, i kekahi mea o ka amo, kālā ka pilikia).
• Reinsurance - hoahanau nenoaiu, i ka loaʻa o ka hoololiia ana o ke kuleana o kekahi kanaka i kekahi lapaʻau poʻe.

Ka pilina ma waena o ka insurer, a me ka hoʻopaʻa waiwai

Ua ka lapaʻau hihia, i kekahi io hana 'ia? Kēia hoakaka mea e e möakäka hou ma ka mana o kekahi olelo o ka palapala, i pono e maopopo ka pela mai kuleana o na aoao elua.

Ma lalo o ke kanawai, i ka lapaʻau hihia - ia mea i kekahi adverse ana i ua hanaia hope o ka iki i aoao, a me ka hanana i, ua ikaika paa i loko o nā hua'ōlelo o ka aelike.

Insurers - dala, hoʻolako lawelawe, e pale aku i ka pono o ko lākou mau papa, a nona e malu ai no ka uku ana i puu dala ma luna o ka hanana o unforeseen ana, e like me stipulated ma ka ae like ana manao ma waena o na aoao elua.

Insurers - o ke kanaka (kanaka a me ka poe) e uku ka uku nui loa , a loaa ka uku ma luna o ka hanana o nā adverse loa, koi 'ia ma o ka aelike.

He aha ka mea i manaoia ma ka lapaʻau hihia

Insurance hanana - ua hoʻopaʻaʻia i ka mea o ke poho a hiki i ka hoʻopaʻa waiwai kanaka i ka hopena o i ka insurer ma e like me ke kānāwai, a me nā hua'ōlelo o ka aelike papapau pu, au e e koiia e uku aku.

Ke hoʻopaʻa waiwai hanana mea:

• I ka hoouka kaua ana o ka maʻi ma ka lapaʻau.
• Ka ulia, i mai ai ma ka hui 'ana me ke kaʻa ma ke kalepa ulia.
• Aihue a me ke ahi ma waho paha.
• Panakalupa.
• Natural au i na ino (kahawai hoʻi, ai ka makani ino, makani pāhili).

Kēia mau 'ano mea i pololei ia wale ina ka mea, e hoakaka ia i loko o ka waihona kālā berita, i stipulated i ka hoʻopaʻa waiwai hanana - ke kūpono' adverse keia mea e pili ana i ka insurer. He e kahea i ka appraiser, a e e uku no ka hoʻonui poho.

Currently, ua nui na poʻe i hoʻohui a hoʻopaʻa lākou ikaika a hoomoana ma ka lapaʻau market. Kekahi o ka mea nui - "SOGAZ" Rosgosstrakh "," Ingosstrakh "," Harmony "," kuikahi "," RESO-Garantia "," Alfa Insurance "," SSC "," VTB Insurance "a me ka" Insurance Group MSK ". Dala i ka maikaʻi kaulana, waiwai nui ke koe nō, a ua makaukau e kaumaha aku ai i kona nā mea kūʻai mai i kekahiʻano o ka waiwai huahana.