Umshwalense kokuqondisa ku Russian Federation

Umshuwalense - lena inkontileka kwezomthetho. It umshwalense uthembisa ukuthi iqalise izingozi ngakolunye uhlangothi - insured. Konke ukusebenzelana okuhilela somthetho phakathi ngomshuwalense kanye kwesamba kufanele zibhalwe ngendlela inkontileka.

Ukuze siqiniseke iklayenti kwaba lapho umcimbi insured isamba, kukhona isimo kokuqondisa ekhethekile phezu ukusebenza kwazo zonke izinkampani zomshuwalense. Futhi kuze kube manje imisebenzi umshwalense kumele ilayisensi. Kuyini, eqinisweni, umshwalense kweso, futhi yiziphi imisebenzi yayo?

Umshwalense Ukugada eRussia

Umshwalense inhlangano eqala izingozi elicacisiwe inkontileka, ngokuya ngemibandela ethile futhi imali. Ukuze hamba ayinamali, njalo inkampani kumele kube izishoshovu - kulezo zisebenzi ukubala amathuba umcimbi. Actuaries kufanele sifanelekele.

Izimali ukuthenga nomshuwalense kufanele nezindleko enhlanganweni kwaba olunye kuphela futhi yenze imisebenzi yayo emnothweni. Ngaphezu kwalokho, ezinye izinhlobo umshwalense eRussia ziyadingeka. Ngokwesibonelo, umshwalense umkhuba notarial.

Izinkampani zomshuwalense, ukuthenga inqubomgomo, luvikelwe ngokuphelele emiphumeleni inhlekelele kungenzeka. Emhlabeni wonke ejensi umshwalense buthelela esibalulekile. Futhi ukugcwaliseka izibopho zabo kuyadingeka ukuze afeze egadiwe.

Uma iklayenti ongawamukeli isinxephezelo ngokulahlekelwa noma uthola imali ezincane kunaleyo eshiwo ku yesivumelwano, ukuthembeka kulezi zinhlangano zinyamalale.

Ubani lengamela izinkampani zomshuwalense?

Esikhathini kugucukela emnotfweni emakethe e ezinzima 90 lapho kabusha ukwakha isakhiwo isimo, umsebenzi lokugada phezu ejensi umshwalense kanye yangasese umshwalense ejensi kusukela ngo-1996 wakhonza uMnyango Ukugada ngaphansi Ministry of Finance. Kusukela ngo-2004, nawo onke amandla lokugada zadluliselwa Federal Service Ministry of Finance.

Ngo-2011, FSIS uyekwa. FSIS nemisebenzi eyenziwa FS Fin. Izimakethe kanye Bank of Russia. Ngalesi sikhathi (kusukela 2013) zonke lezi imisebenzi izinkampani zomshuwalense kokuqondisa eyenziwa uMnyango emakethe yomshuwalense Central Bank of the Russian Federation.

Umthetho olawula umshwalense kanye nokuqondisa ibhizinisi umshwalense

Njengoba kulawulwa umshwalense? Umshwalense kokuqondisa ku Russian Federation kusekelwe Ingxenye gl.48 2 Code Civil. Ukulayisensa eyenziwa ngaphansi imibandela esungulwe oda № 02-02 / 08. A umshuwalense wezempilo kuncike "Ngo Health Insurance" Umthetho 06.29.91.

umshwalense kokuqondisa umsebenzi

Umshwalense kokuqondisa ku Russian Federation njengoba lonke uhlelo nemisebenzi elandelako ebalulekile:

• UMnyango uqaphe ukulandelwa kwemithetho umshwalense.
• Uqhuba isitifiketi Actuaries.
• Inkinga noma ukhetha ilayisensi.
• Ukunikeza inchubomgomo yembuso enobunye.
• Standard-setting function.
• Control izifundo zebhizinisi umshwalense. Ukuvimbela ucabanga yabo.

Yiqiniso, omunye wemisebenzi eyinhloko ukuvikela amalungelo yamalungu. UMnyango uhlinzeka ejensi umshwalense ogunyaziwe ukwandisa inhlokodolobha, wabelane ngakho noma imvume ukuvula igatsha ngo-ejensi Russian nge ukutshalwa kwezimali angaphandle.

Ngaphezu kwalokho, iphuzu elibaluleke ukulawula isimo emakethe umshwalense, ukuze kuvinjelwe esinakho kule makethe. IKomiti Antimonopoly futhi uqaphe njalo izinkampani zomshuwalense.

Izimiso Womshuwalense Ukugada

Igunya lokuphatha onikwe amandla athile. Ubizwa ngempela unemvume i ehloliwe zokuphatha futhi ajezise labo wemfanelo noma ukuqala ecaleni lasenkantolo. Kodwa igunya lokuphatha kubuye kuncike izimiso ezithile, njengoba kuba njalo ngegunya phakathi isakhiwo.

Umshwalense kokuqondisa Kwenziwa eenkambisweni ezilandelako:

1. Umthetho. Kucaciswe nguhulumeni angaphansi imithetho yonke iziphathimandla zomphakathi kanye zonke izikhulu.
2. bakha inhlangano enobunye. Nokuhlukaniswa lubandlululo kanye central isenzo integrally.
3. Publicity. Isimiso kusho ukuthi yonke imininingwane kwi imisebenzi yoMnyango elikhona domain yomphakathi. It ishicilelwe kwi-Inthanethi umphakathi jikelele, ukuze wonke umuntu enelise ukuthenga ulwazi. Ngaphezu kwalokho, inkampani yomshuwalense ngamunye nje kufanele umphakathi ukuhlaziya ukuncintisana nokwenza kwayo zezimali. ulwazi lweqiniso mayelana nesimo esingokwezimali inkampani yomshuwalense kuzosiza eMpumalanga enkulu ekukhethweni kuka kwesamba, uma ongakabi yanquma ukuthi inkampani kungcono ukuba baphendukele.

Ngakho, uMnyango lungangamela ibhizinisi umshwalense eRussia futhi uqinisekise ukuthi wonke izinhlangano abangaphansi a izidingo olulodwa lomthetho futhi izinkampani zomshuwalense ngomoya ophansi, ngaphandle ukukhathazeka etshaliwe.

Injongo umshwalense kokuqondisa eRussia

Uhulumeni kanye abadlali emakethe main kumelwe "ukuzwa" nomunye futhi basebenze ndawonye. Kuyinto zabo ukuze bakhonze izithakazelo zombili. Ngakho-ke, yomnyango womshuwalense kokuqondisa kuhilela ukubeka imigomo elandelayo:

• Kumiswa isithakazelo abathengi ezingaba amasevisi umshwalense.
• Ezinye ukwakhiwa kohlelo lokugada isimo
• Ukuqinisekisa ukuqaliswa kwezibopho ngomshuwalense ukukhipha imali
• Kumiswa ingqalasizinda emakethe umshwalense.
• Ukulungiselela kwabasebenzi abasha.
• Ukudala izimo kwezimali emkhakheni wezolimo umshwalense.

Konke zokulawula esikhundleni sokuthi Russian umshwalense kweso, nesandla ekuthuthukiseni wemakethe umshwalense.

Kufanele kuqashelwe ukuthi ukulawula kanye nokulawula imisebenzi ezinkampanini zamazwe angaphandle kanye nezinkampani nge share evelele dolobha angaphandle. Imboni yomshuwalense ku Russian Federation kufanele kube impucuko, futhi ngaleyo ndlela, inqubomgomo yezezimali kumele ngcono ukuze izinkampani zomshuwalense.

Kushiwo ngamuphi umqondo ukuthi kokuqondisa imisebenzi umshwalense?

UMnyango wemakethe umshwalense ngokusebenzisa ukusungulwa iziqondiso kanye ukulawula ukubulawa kwabo.

Umshwalense Ukugada eRussia zingathinta emakethe ngezindlela ezilandelayo:

• Lichaza ezinye izinkinga kukhona wemfanelo igunya lokuphatha;
• Inikeza imininingwane irejista eyodwa izinhlangano umshwalense noma ukubhalisa izinhlangano ezahlukene izinhlangano umshwalense;
• enza izinto ukulawula ilayisensi umsebenzi umshwalense;
• Uthatha isinyathelo basule ilayisense.

Ukugada kuhloswe ngokuyinhloko at ukuthuthukiswa kwebhizinisi umshwalense, it is eyenziwa hhayi ngenjongo ekuvimbeleni ke. Ngakho-ke, lokhu control wenziwa izithakazelo amakhasimende, futhi iningi umshwalense ejensi.

Izibopho amaqembu ngokuhambisana nemithetho Russian Federation

Ngenxa yokwephula izimo ezichazwe esivumelwaneni, la maqembu amabili (kanye umshwalense kanye pholisi) ukuthwala wonke umthwalo. Pholisi ivikelwe "uMthetho the Protection of Consumer Rights." Ukuze ukwephulwa kwamalungelo abathengi amasevisi umshwalense uzakuba nelungelo lokufuna ukunxeshezelwa.

Pholisi abakwazi ukukhokhela isinxephezelo, esimweni lapho basola umcimbi sigameko inkampani yomshuwalense iklayenti ngokwaso. Phela, imithetho Russian Federation izikhonzi emakethe okulingana.

Futhi, kukhona ilungiselelo ukuthi lithi umuntu phaqa kudingwa wumthetho ukuba oVikelwe kodwa hhayi oVikelwe, kungenzeka icele enkantolo. kabanzi zonke ubudlelwano zezindaba okukhulunywa ngazo ku Chap. 48 "Insurance" we Code Civil.