Ole-maʻamau ano o ka lapaʻau ma ka Russian Hui

ola lapaʻau, ola, ka waiwai o na ka pilikia likeʻole e hele mai i loko o ko makou mau ola, ua lilo ia i kekahi hapa o ka maʻamau o ke ola. Ma keia 'atikala mākou, e hana me ke kumu nui ke ano o ka lapaʻau, a koho mai i waena o lākou i ka loa kekahi, ole-hae, hana waeʻano.

I ka papa kuhikuhiE ano o ka lapaʻau i loko o Rusia

Mua o nā mea a pau lapaʻau aelike e māheleʻia i loko o 2 hoailona ia mea:

• Koi 'ia. Oia lapaʻau ua hoʻoikaika i ke kānāwai a me ka ignoring kona koi hiki aku ai i ka like hoopai. Kēia waeʻano nā MTPL lapaʻau no ka ohua, MLA.
• Ka naau mai. Ka lapaʻau aelike nona wale nō ke ma ke noi ana o ke kamaaina wau.

He aha 'ano o ka lapaʻau ma laila nō? Ua hiki no hoi e kekahi kanaka a me ka hui, a me ka kaula ma luna o ka mea - he popo palaoa puu dala a me ka annuity. Ma ka ho'ākāka 'ana, aia no he uku dala prorated uku pānaʻi (kekahi hapa o ka hooholo piʻi) a me ka mea mua kamepiula'ōnaehana (i loko o ka' ae 'haawina hoʻopaʻa waiwai no nā mea a pau piʻi ukuia).

E like me ka Mokuna 48 o ke Kanawai Kivila, e puunaueia ke ano o ka lapaʻau ma ka Russian Hui i loko o 4 waeʻano:

• waiwai;
• pilikino;
• kuleana;
• pāʻoihana ka pilikia;
• i loko o ka mālamalama o nā mea kū i ke ku mai, a hiki no hoi ia a me kekahi.

Iki noonoo a pau ano o kiko'ī a.

Property lapaʻau

ekolu 'ano o ka lapaʻau hiki e wahi a hiki i keia waeʻano:

• waiwai (me ka hana 'enekinia hale, a hoʻopaʻa waiwai i loko o ka lumi ..);
• kaa (like i loko o ka hihia o ka huina o ka luku, a me ka nānā aku o lesions);
• ukana (i ka halihali, unloading, pūnaewele).

ka lapaʻau

Kekahi o ka loa e like me ke ano o ka lapaʻau, a me ka piha i ka Russian. Kēia nā:

• ola lapaʻau (loa nei keia nā huina ola lapaʻau);
• lapaʻau e ku e ia he ulia pakalaki (poino, maʻi, poho o ka hui, a me kino kekahi hapa, ke kīnā, ka make);
• hui 'inikua lapaʻau (CMI - OAXA, no ka naau mai nā hui' inikua - no ka naau mai);
• Nā 'ōpio lapaʻau;
• lapaʻau pensioners (uku mea loaʻa no wale ma luna o hiki hoohuoi ia makahiki) - muli o a me ka naau;
• lapaʻau o ka ohua o kekahi 'ole o ka amo;
• hana lapaʻau.

aie lapaʻau

Kēia waeʻano He loa eiiieaena. E helu i ka helu o ka Insurance i ia mai nā ':

• kivila aie no kekahi poino i ekolu poe;
• kuleana no ka mea e like ai o ka waiwai i lawe;
• Aie no ka hoʻokō 'ole' e hooko i ke kuleana, a hiki i ka mea i aieia;
• profotvetstvennosti - no ka hewa i kekahi limahana i nā mea kūʻai mai, nā mea kūʻai mai;
• kanawai aie o ka hoʻonohonohoʻia, e hana, a ho i ke kumu o ka mahuahua pilikia;
• Kanawai aie o na nā moku halihali mokulele likeʻole - hoʻokiwikā, hoino aku, ea a me ka wai amo, Metro, a pela aku.;.
• CTP.

pāʻoihana lapaʻau

Kēia nā lapaʻau.

• kālā hoʻohiki;
• poho a poino i ka waiwai o ka hana;
• waihona kālā;
• ka pilikia o ka ole-uku;
• hoʻokomo kālā;
• mea hoʻolilo aie.

Insurance hana ka pilikia

Interestingly lawa, ole-maʻamau ke ano o na lapaʻau.

• Insurance o ke kūkulu aayoaeuiinoe - kuleana o ka mea haku polokalamu;
• mahiʻai;
• aupuni (no ka mea, ke kōkua o ke ola mālama nā keʻena lāʻau lapaʻau i loko o ke ao nei, e like me ka pono me ia no na kanaka, ia mea pinepine wale aku);
• like (lapaʻau hou kanaka me ka a pau);
• inoa (o ka pilikia o ka poho o ka waiwai pono ma ka aha olelo hooholo);
• lapaʻau ka pilikia pili me ka kālā waihona kālā;
• pili aupuni ka pilikia (i ka aoao o nā kumumea e pili ana i ka manao o ka moku'āina, e he hana).

E huli i ka manawa kanaka o kekahi lapaʻau.

10 hanaʻano likeʻole o ka lapaʻau

Ua haawiia i ke ao nei hana o ka ole-hae ano o ka lapaʻau - nana i ke ao nei kūlana kiʻekiʻe o ka loa hana waeʻano i houluuluia ma ka Hōlani poe Hullberry Insurance:

1. Insurance ka ulu ana ma ka wahie kumukūʻai. No ka 19,95 Euro oe hiki ke komo i loko o ka lapaʻau aelike hoomaopopo ana no ka uku no nā lilo i ka ulu ana o ka lilo o ke kakolina e oi aku mamua o 15%.
2. Slamming i ka puka. Insurance e ku e ia hilahila, e loaʻa ma kahi o 18 Euro no ka makahiki. Ma ka hanana o ka hoʻopaʻa waiwai hanana, e hiki ke kiʻi mai i 100 Euro.
3. Apo la i loko o ka'eleweka. Mai ka 12 a hiki i 28 Euro no ka makahiki, e e oi ia he aelike me ka lapaʻau hoa a pau; Ka Uku - 75 Euro.
4. A moʻo o ka hoʻolako 'ole i loko o ka lottery. Inā ka hoʻopaʻa waiwai kanaka i loaa ia 52 manawa ma ka lalani unlucky lottery balota, ka mea hiki ke kiʻi i ka "mea nana e kokua makana" mai kona insurer - 2500 Euro. Ka lapaʻau aelike e e pomaikai like 12-28 Euro.
5. Ka hoike ana o "kapu pāpā". Ka Uku mai ka lapaʻau poe e e 500 Euro no ka mea maʻamau 12-28 Euro no ka makahiki.
6. Erroneous paa. Ka Uku no ka keia kaʻawaʻawa kulana home 'ole, e nui i 500 Euro. Price kamepiula lapaʻau - 12-28 Euro no ka makahiki.
7. Rejection ma ke kuahu. Inā ka wahine mare a me na kahu hoʻopaʻa waiwai kanaka ilihune pōniuniu wale hou "i", a laila, i ka la mahope e hiki ke helu i ka nui o ka 100 Euro mai kona lapaʻau poʻe.
8. Haule iho ai ma lalo o ka laulā o kekahi huna pahupaʻiwikiō. O ka poe e ole makemake e lilo loa involuntary meʻe o ka hōʻike, e mea hiki ke hoʻopau i ka aelike (hou 12-28 Euro no ka makahiki), kahi e hiki ke helu i ka uku o ka 1,000 Euro.
9. Kekahi mau keiki. Inā he kanaka ua ole loa paulele koʻu maikaʻi hapalua, a me ka DNA ho'āʻo ai i hooko mai oia i Ua ulu maila, i loaa ai i ka uku, mai ka insurer o 500 Euro.
10. Abduction extraterrestrial mea. Compensating no ka mea, he malihini, a he mea hiki ole kekahi hanana e malama me 5000 Euro. I ka Ia manawa kekahi o nā kūlana o ka aelike - i ka hoʻolako 'ia o nā palapala pili mai kauka a me ka lewa a me ka lewa koa.

Ole-maʻamau ano o ka lapaʻau i loko o Rusia

Ano, e huli mai i ka hana waeʻano o ka lapaʻau i loko o mākou'āina:

• Insurance holoholona. E kuhihewa nei Minor hiki ke hoʻopaʻa waiwai ma luna o ka make, aihue, pepehi kanaka. Ke hoʻopaʻa waiwai pono e ola, a kakau ma ka hoʻoulu, i ka mea e pono ai vaccinations e ma ka liʻiliʻi loa 3 mahina, aʻaʻole makahiki mua ma mua 12 - he popoki, 9 makahiki kahiko - i ka ilio.
• Insurance ku e hanalima espionage. Insurance aelike no ka pāʻoihana e makaʻu karaima a pau o ko lākou mau aaiuo eaa - he 'ano o ka' ole-maʻamau lapaʻau ma Rusia.
• Insurance mai ka haule ana ma luna o kona meteorite. Ua e i kēiaʻano o ka lapaʻau hoomaka ma hope o ka hana 'ia ma Chelyabinsk ma Pepeluali 2013.
• Insurance aku i ka hopena o ka tick nahu. Ka lapaʻau aelike nā uku no ka wehe 'ia o ka holoholona noiʻi mea ma luna o ka ukana o ka pilikia nā mea hoʻomaʻi, mālama', lāʻau dala.
• Insurance pilikino E pili "Wedding". Keia aelike insures ku e mai i ka helu o nā hihia: ino ino, koke maʻi, newlyweds, mea paʻi 'aʻole e hele mai, i ka Keaukaha, toastmaster, a me nā pili nāʻoihana, a pela aku ...
• Insurance ku e mai i ka pilikia o ka ole-e hele wale aku no. No ka poe makau i ka pilikia ana o ka poe - he nui maʻi, i ka aha, me ka lohi papala noi huakaʻi - hiki loko o ka huakaʻi nui, he pili-maʻamau 'ano o ka lapaʻau e loa kōkua maikaʻi ia.
• Insurance ku e hoʻokuʻu. I ka wa o ka hoʻoponopono ulia i loko o ko kakou aina, ua lapaʻau ka loa pili - ka oi aku no ka poʻe uku lōʻihi-makahiki loan, a me na kapa ka hoopuka ana i kēia mau loan.

I ka papa kuhikuhiE kuʻuna ano o ka lapaʻau ma Rusia, a me ka honua e increasingly hou oihana kekahi. mea kekahi o ia e e hoʻokali kūpono 'a me ka hiki ole, a me kekahi mau loa akuʻoe i loko o ka mea i keia la ka realities.