IC "Savings Bank Life Insurance": utyalo-mali lwenkunzi, iimeko kunye nemithetho yokhuseleko

Life Insurance - na ukukhusela iimfanelo impahla abantu enxulumene nobomi bakhe kunye nokufa. Oku ixesha elide kunye uhlobo kunyusa imali. imarike le nkonzo umnikelo nje nxaxheba zobungcali, kodwa amaziko amatyala, ingakumbi Sberbank.

Malunga inkampani

LLC IC "Savings Bank Life Insurance" yasekwa ngo-2014. It is a nkampani PJSC "Savings Bank", eyenza kakhulu ekukhuseleni amalungelo obunini. Ekuqaleni, inkampani wenyusa iiprojekthi zokugcina kunye inshorensi yobomi utyalo-mali, ngoko kukho inkqubo yokhuseleko ngokuzithandela yempilo yabemi '.

Namhlanje le nkampani kukuba phakathi top ezintathu emarikeni. Kwiinyanga zokuqala-9 ka-2015 umthamo iipremiyamu yaba engange-30 ezigidi. Kwezi, 18 billion engange. lwaqokelelwa inshorensi isipho ixesha elide kunye notyalo-mali. Namafa kunye nempahla baba engange 55 billion. kunye 63 billion engange. ngokulandelelana.

inkampani yeinshorensi "Savings Bank Life Insurance" linika iinkonzo zokhuseleko:

• nayiphi na impahla kwabantu kunye amaqumrhu asemthethweni, ngaphandle izithuthi kunye noomatshini yezolimo;
• yeTyala kuLuntu;
• ubungozi zoshishino;
• ubungozi yemali;
• iingozi;
• inshorensi yezempilo.

scheme

flow cash on inshorensi yobomi kuhlelo lula ngolu hlobo lulandelayo.

Le polisi yenza intlawulo yenyanga esekelwe ngokwemiqathango yesivumelwano inshorensi. Oku kuthetha inkampani iminyaka 10-20, lizibophelele nokutyala ukuze ufumane ingeniso yonyaka ka-14-17%. Kubalulekile ukuqaphela ukuba intlawulo sithembiso ibalwa kwifomula ayikho ekhulwini nzima (vol. E. Nge ikepusi) kunye inkqubo eyodwa eyaziwa kuphela insurer.

Ezi mali kweyela reserve yokuqala ukuba ityalwe ifakwe kwibhanki, kwipropati okanye kwizabelo. Yenzuzo efunyenweyo malunga ne-15-20% woovimba inshorensi zonke iindleko zayo, yaye 80-85% lwezintlu client.

Ngokubanzi, utyalo-mali kunye nolondolozo inshorensi ayenzelwanga inzuzo. Ezi mveliso ziyilelwe ukuba zinike uncedo lwemali xa iingxaki zempilo. imigalelo endowment kukugubungela eziyingozi:

- ukusinda ukuya ekupheleni kwesivumelwano;
- ukufa (nangasiphi na isizathu);
- kokufumana iqela lokuqala yokukhubazeka.

Iintlawulo ngale mveliso zisendaweni uluhlu 5-10% yentlawulo. Baxhomekeke kubudala (i ekhulile inshorensi, kokukhona ubungozi), isini (amabhinqa baphila ixesha elide kunabantu), umngcipheko zisetwe kwi inkqubo ekhethiweyo (ukufa kuphela, ukusinda ukuya pension, efumene yokukhubazeka).

inshorensi Credit - imveliso kanye kwimalike

Ukususela ngo-2014, lo baseRashiya banethuba ukucima i-inshorensi mboleko yabathengi. are Banks hayi buyanceda yonyuse imali-mboleko sivunyiwe, kuba oko kuya kuchaphazela ixabiso letyala. Okukhona inani lokugqibela, lilikhulu inqanaba capital. Nangona lo mthetho ukuba umgaqo-inshorensi imfuneko kunikezelo ngetyala, xa kusenziwa, ukuba kube nzima kakhulu.

Xa kungeniswa izilungiso umthetho ngetyala yabathengi ebekelwa inani lezikhalazo iye yehla inshorensi. Kwi lowo wathengisa yi-arhente bank nkqubo ifumana 50-70% yeendleko. Lo mthombo obalulekileyo wengeniso. Akumangalisi ukuba abathathi-nxaxheba abaziingcali yeemalike Musa ukungxama ukubuyisela imali inshorensi yobomi kunye nempilo. Sberbank kunye namanye amaziko abolekisa enkulu nangoku athobele imiqathango wo yingisela. Kodwa ke ixesha izigqibo kwibhanki nganye eyahlukileyo.

Kwisithuba seeveki ezimbini emva kokusayina isivumelwano umthengi unalo ithuba lokuphelisa isivumelwano unilaterally ngaphandle kokulahlekelwa imali. Le nkonzo ifumaneka kubasebenzisi zotyalo-mali, nokwanda iimveliso. Le migaqo isebenza kuzo "Savings Bank Life Insurance." Izicelo ziyamkeleka kuphela ebhaliweyo kwisebe kwiziko zemali. Kodwa manani zibonisa ukuba abo banqwenela ukuba kupheliswe dili kangako -% 3 kuphela. Oku kubangelwa ikakhulu ukuze iingxaki ezinokuvela ukuba umthengi phezu kokuvela isiganeko inshorensi. Isizathu sesibini kukuba abathengi phambi kwexesha ingxelo enjalo nkampani.

Kutheni le nto isenzeka?

Inkampani "Savings Bank Life Insurance", kwakunye naziphi na ezinye nxaxheba zobungcali market unako ukubuyela yonke imali ehlawulwe ngumxhasi nje phambi kokuba sivumelwano ungena force. Kungenjalo,-inshorensi nayiphi imiphumo irhafu. Indlela kuphela siyiphephe kwaye ngexesha elinye ziyazithobela iimfuno zomthetho - ukuba elinye le ngongoma. Umthengi utyikitya isivumelwano, ahlawule umgaqo-nkqubo, kodwa ke inkonzo ukusebenza emva komzuzwana.

Imeko kwimarike insurance

Ukubuyisa imali yimali ye-Inshorensi nkqubo "Ekhaya Credit Insurance", "Renaissance Insurance" okanye "abathengi iinkampani ze-inshorensi yommandla 'nako HCF-Bank. Ukuba client watshintsha ingqondo yakhe zingaphelanga iintsuku ezingama-30 emva kokuba ubhaliso imvumelwano, yena uyakwazi ukufumana-100% yeendleko-inshorensi. Kufuneka ibuyiselwe kwi-akhawunti yaye ngoko nangoko wathumela ukuba ukuyibuyisa le mali uyibolekiweyo. Ngu Awabotshwanga ukuba imali kwi-inshorensi mboleko ukubuyiselwa imali.

Inkonzo efanayo ngengondo "Promsvyazbank" yaye "Bin". Kodwa zombini kumaziko credit share imali ephantsi. "Alfa-Bank" ukufumana ukulungele ukwenza umba kwiimvumelwano inshorensi ngokuzithandela nje, kodwa uza ukunika umntu ukucinga leentsuku zekhalenda 14. Kodwa "VTB 24" SSR "Bank of eMoscow", yaye "BKM Discovery" musa ingqalelo ukhetho olunjalo.

ipesenti Ubuncinane-inshorensi non-credit - yinto eqhelekileyo. Neemfuneko kukwanda kubaboleki, kunciphise nemfuno ebenagwayo mboleko, olu khetho okunokutsalela ngayo abathengi ezintsha. "Lungapholi ixesha" ezinikwa ziibhanki, ogama izinga lenzala kwimali-mboleko akaxhomekekanga ubukho-nkqubo, yaye apho ikhomishini evela kwintengiso nkqubo inshorensi hayi mthombo womvuzo. Olu khetho iza kuphucula umfanekiso zombini ebhankini kunye kwinkampani ye-inshorensi, okt. A. kunciphisa amathuba okuba ibango.

Sberbank: inshorensi yobomi ne mortgage

kubaboleki basenokuba nomdla kulo mbuzo lokhuselo ubomi kunye nempilo xa usenza isicelo semali-mboleko yokuthenga izindlu ngenkxaso karhulumente. Ezi nkqubo zisebenza ngexabiso eliphantsi umyinge wenzala ka-12%. Ukuba umxhasi walile ukuba akhuphe i-inshorensi yobomi, ingeniso ngaseludinini linyuke nge-1%. Kakade ke, ungakwazi ukufumana imbuyekezo senkonzo zaza zanyanzelisa ngexesha lenkqubo, kodwa kulo mzekelo izinga uya kunyuka kwi-13%. Kukwasebenza kwanjalo kuyo ukupheliswa okanye non-sokuvuselelwa inshorensi kunyaka olandelayo. Zonke ezi meko zicaciswa gca sivumelwano semali-mboleko.

Nangona kunjalo, i-inshorensi zabucala kudala kubonwa yindlela eyongezelelweyo ukuze abanike imali evela client. Zonke ke xa kukho kwisivumelwano ukukhusela iimfanelo ipropati hlenga-mboleko kwi-11.4%. Kodwa kukho imibuzo emininzi malunga imiqathango esivumelwano. Isibakala sokuba umba wenkonzo kuba kuphela "Savings Bank Life Insurance" ukuba izinga elikhulu ngokwaneleyo nge-1% ye-mali-mboleko. Oko kukuthi, ukuba umthengi abathenga endlini million 3.5 engange., Ukwenza intlawulo phantsi ka-1.5 million engange., Ityala kuthatha engange zigidi ezi-2. I-insurance premium kunyaka wokuqala komtshiso ayi-20 amawaka. Thambisani.

Kodwa eneneni?

Eneneni lula inshorensi yobomi yayo nayiphi na inkampani elamkelweyo yibhanki. Endle, abaphathi bakhetha cwaka ngayo ngenxa yezizathu ezahlukeneyo: ukusuka ukungalungeli ukuya umdla eziphathekayo abasebenzi. Fumanisa ukuba ezinye iinkampani abasebenzisanayo iziko zemali, ungakwazi kule ofisi. website. inshorensi yobomi ne-mboleko kwi-Savings Bank ayikwazi kukhutshwa iinkampani 16: "FAC", "Absolute Insurance", "VTB Insurance", "SOGAZ", "Zetta", "RESO", "Ingosstrakh", "Rosgosstrakh", "NASCO" "Renaissance", "ukubheja", SF "Adonis", "yaseSiberia Crane", "Spassky isango", "REGIONGARANT" CO "Surgutneftegaz". Rates zisenokwahluka phezulu okanye ezantsi. Ukuba abasebenzi Sberbank bayala ukuba amkele umthetho onjalo, bacele kwenqaba ebhaliweyo.

Investment nomtsalane inshorensi

Inkqubo Investments imali evela kwinkampani "Savings Bank Life Insurance" inika iinkonzo xa ekukhuseleni utyalo kunye utyalo zibe asethi ezahlukeneyo kwiimarike Russian kunye jikelele. deposit Bank ozisa ingeniso ezinzileyo, kodwa ephantsi. imali Mutual zinika amathuba ingeniso umdla ngakumbi, kodwa engozini enkulu, kunye nesikhokelo befudukele kusebenzela abatyali nobunzima kakhulu. Ngoko ke, nokunyusa umtsalane yenkqubo zotyalo ze Insurance Company "Life Insurance Savings Bank." ncomo Customer ukuqinisekisa oku.

iimeko

IC "Life Insurance Savings Bank" liye kumgca zalo iimveliso zotyalo-mali. Xa uhlawula igalelo le mali ingabhekiswa izixhobo classical (iidipozithi zebhanki, kwiibhondi zikarhulumente), kwaye intsalela ityalwe ezikhethiweyo asset umthengi. Nangona kunjalo, phantsi kwale program umngcipheko non-zokufumana ingeniso iwela ngumthengi. izixhobo Conservative kububungqina olusa "Savings Bank Life Insurance." Yokubuyiselwa, okanye mandithi isixa kokuqala utyalo-mali, umthengi uya kwamkela, enoba ekhethiweyo ngaphezulu kwe asset yehliswe ixabiso ngokupheleleyo.

Le nkqubo ixesha elide. umthengi usenokuliyekisa ixesha kwekhontrakthi uma oyifunayo. Kulo mzekelo, uya kufumana imali kwetu. Amahla zeemarike ndinyuka rhoqo enye. Chance ukufumana ingeniso ephakamileyo kwixesha eliphakathi. iimeko ngempumelelo market ungatshintsha nangaliphi na ixesha. Emva kweminyaka emibini okanye emithathu, unako ukutshintsha i-asethi ezenza ngaphandle kokuba kutsalwe emva kokuqalisa yotyalo-mali.

IC "Life Insurance Savings Bank" imveliso utyalo-line yayo ayenziwanga ibekwe njengenye ukuba sigcine. Ijoliswe abaxumi abasele idipozithi kwi ebhankini, bagqume ingeniso ngekota. Kwenzeka ebomini kunokwenzeka. Kwaye ngaphandle investment zexesha elide ngenxa yokulahlekelwa umsebenzi kunye nemivuzo nengqondo okwethutyana. Kodwa kwakhona ukugcina ibhajethi yebhanki imali yonyaka nayo engalunganga. Xa enjalo umtyali-mali unakho ukufumana umdla ekufumaneni imali engaphezulu.

Kanye ngexesha loo nkqubo ojolise abantu-mali. Umxhamli Ungakhetha naliphi asethi kwiimarike Russian kunye jikelele. Ngaphezu koko, abathathi-nxaxheba kwinkqubo inomnye inzuzo ebalulekileyo - irhafu ezifanelekileyo ingeniso efunyenweyo. Abathengi abaye bagqiba imvumelwano ngokusebenzisa Life Insurance Savings Bank isithuba seminyaka emihlanu banelungelo ukuba kutsalwe yerhafu yengeniso. I yerhafu wulela kwi inxalenye ngaphaya kwingeniso rate ekufuneni imali.

Insurance Health International

"Life Insurance Savings Bank" linikeza iinkonzo zayo imveliso entsha ukukhuselwa kwezifo ezibalulekileyo kunye kungenzeka ukuba baye unyango aphesheya. Oku kuya kuvumela abathengi ukuba bazuze amava iingcali ze ezikliniki aphambili ihlabathi bagubungele iindleko yokubonelela unyango ngexesha unyango lwezifo ezinobungozi, kwisimo, iimviwo zothintelo, afumane uluvo unyangwe. Eyona engundoqo eziluncedo zenkonzo - uluhlu olubanzi iingozi, amazwe apho singanyangwa, nenkonzo entsha.

inshorensi yonyango International ikuvumela ukuba ufumane uncedo kwiimeko apho ayisebenzi VHI eqhelekileyo: care umhlaza, utyando, kwimo yesiqhelo emva abohlukeneyo. Le program ibonelela ngokubamba profobsledovany aphesheya. Lo mgaqo-nkqubo kukwabandakanya unyango lwezifo eziye zafunyanwa ngumthengi phambi kokugqitywa ngemvumelwano (kodwa hayi ngaphambi kwe-2 iminyaka), kwakunye ekupheleni kwexesha layo. Ukongeza, umthengi unako ukuthenga ezinye imibekelelo amazwe.

inshorensi yobomi International yetyala (Sberbank) ivumela abaxumi ukuba ukufumana unyango kwizibhedlele phambili ehlabathini lonke:

• eJamani, kwaSirayeli, Spain, Turkey, Russia - unyango umhlaza kunye notyando;
• kulo naliphi na ilizwe - abohlukeneyo;
• kwaSirayeli - uvuselelo ufumana inkathalo lokudambisa.

Indlela "sonke ebandakanya wonke" kwi inkqubo inshorensi lunikeza kwamkela kuphela intlawulo, kodwa ngenkonzo lombutho inkqubo yonyango, uhambo lo zabathengi, ngokunjalo sihambisana yayo. inkonzo-level ephezulu imini nobusuku. Okokuqala, phambi, ngexesha nasemva unyango inika ingcebiso nombolo. Okwesibini, ixabiso kuquka iindleko zehambo ngomoya iklayenti yaye ikliniki yakhe ezihamba amazwe. Ngamaxesha ukugula kakhulu uncedo ebalulekileyo kwengqondo.

elide program yiminyaka-5. Iimeko ezinikwe kungenzeka zokuhlaziywa yonyaka yesivumelwano. Umda yonyaka isixa-inshorensi umntu ngamnye i $ 1 yezigidi kunye ithuba nakathathu. Ngenxa Ukuhlanganisa ngokubanzi wejografi-nkqubo ikhutshwa kuphela zeedola US. Iminyaka yobudala liphezulu umxhasi - engama-65. Kukho iinkqubo okukhethayo ngabathengi imvumelwano lonke usapho, eliquka amalungu-5.

Insurance Pokemon - imveliso entsha kwimarike

Pokemon - ekuthethwa ukusuka umdlalo omtsha mobile Pokemon Go. Uyilelwe nje kuphela nabadlala, kodwa kubalondolozi. "Roketbank" ngomnye bokuqala lasungula catchers inkqubo inshorensi Pokemon. Kuba "ukubamba" kwisebe ebhankini bamakhadi isimilo kufumana engange-50 ukuya kwi-akhawunti yebhonasi.

Kutshanje lo msebenzi sele ujoyine Sberbank. Wavula website ngokukhethekileyo abadlali kunye needilesi iiyunithi 28, ukutsala abalinganiswa ikhathuni. ulawulo iziko-mali ulindele ukuba kuya kuba nako ukutsala yesebe nabadlala inxaxheba ngolangazelelo olukhulu. Ukuba, ngethuba lokufakwa omnye umxhasi Pokemon lithe lenzakala, i-SC inkampani "Savings Bank Life Insurance" ukuhlawula kuye inshorensi kwisixa esili-50 amawaka. Hlikihla. Isicelo inxaxheba kule nkqubo kufuneka zithunyelwe kule sayithi ngqo.

Ukuze nabadlala nomdla ngakumbi, Sberbank ibamba iphulo "Hlalani ehlobene". abanini Ikhadi Ungaqalisa "Avtoplatezh" de Agasti 18, uyitshaje ubuncinane kanye - uze emva koko ukubamba iziko Pokemon ngetyala iya kuhlawula ibhonasi umdlali 500, "Enkosi kuwe." Ukongeza, le Umxhamli kuya kufuneka uthumele skrini kunye nenombolo yefowuni ephathwayo ekuhlaleni PM Sberbank on Facebook okanye "VKontakte".

"Tinkoff Bank" wenza izabelo zawo neemeko. iklayenti nganye, isicelo ikhredithi khadi Tinkoff Google Play, iziko yokubolekisa iya kuhlawula 2000 ibhonasi. Bayakwazi kuzihlawulela naziphi na ukuthenga evenkileni intanethi, kuquka umdlalo Pokemon Go (1 point = 1 engange). Umdlalo, kwaye ngokunjalo ibonelela nabadlala cash-umva bonke kuthengwa Google Play (10%), iindawo zokutyela (2%), kunye nazo zonke ezinye uthenge (1%).