Inshorensi yabasebenzi malunga neengozi: iimpawu kunye neemfuno

Okwangoku, i-inshorensi uthathwa ngokuba sphere, ekhusela iimeko ezahlukahlukeneyo. Le nkonzo yenziwa ukuba ipropati, ushishino, kunye nobomi. Inshorensi iingozi ukukhusela izilangazelelo zabantu xa iingozi kunye nezinye ezingxamisekileyo.

ukuba nombono

Imisebenzi kwiindawo ezininzi yemveliso kuyingozi ebantwini, ngoko abasebenzi inshorensi yimfuneko. Sam umphathi bemveliso inshorensi njengoko impahla yakhe. Xa kukho ingozi, umqeshwa okanye boss ifumana imbuyekezo.

Le nkonzo iza kukhusela iimfuno ingozi, ngenxa apho kwakukho ukonakaliswa kwempahla, impilo okanye ubomi. kwicandelo Insurance isebenza ngokusekelwe kwinani Federal uMthetho 125 yomhla ngonyaka 1.01.2000.

iintlobo

Inshorensi iingozi emsebenzini wohlulwe:

• ukuze kwenziwe;
• ngokuzithandela.

Iintloko iinkampani ukunika i-inshorensi liability umsebenzi. Ngenxa yoko, yena uya Fund Social Inshorensi, nto leyo iya kuthi rhoqo ukuhlawula okubafaneleyo. Esi siganeko benefits mazingabi kuphela ingozi, kodwa ukugula, ukwenzakala, evela kulo msebenzi.

inshorensi ngokuzithandela kubasebenzi kuyimfuneko ukuba balungise iziphene emyalelweni. Ukuba umphathi uyavuma ukuba ikhuphe nkonzo, ngoko ke yandisa ukuthembakala nkampani. Ukuze wenze oku, khetha inkampani yeinshorensi.

Kuba lowo inshorensi kunyanzelekile?

inshorensi olugunyazisiweyo kuyimfuneko ukukhusela izinto zentlalo impahla:

• xa ukukhubazeka;
• yokugula;
• ukufa.

Oku kumele libhale:

• ubuso, walungiselela phantsi isivumelwano sengqesho;
• abantu abathe bafumana ukwenzakala okanye umonakalo kwimpilo;
• enetyala yaye ekwenzeni umsebenzi.

inshorensi yoluntu

inshorensi yoluntu kubasebenzi kwimveliso inyanzelekile eRashiya. Ulawula umda inombolo komthetho 125. Le nkonzo kuyimfuneko kwabo bantu abasebenza phantsi isivumelwano sengqesho, kwakunye nabantu enetyala abaqeshwe mveliso.

UMthetho policyholders ziquka:

1. Iinkampani Russian angaphandle ezisebenza eRashiya.
2. SP, sigqibe kunye nezivumelwano kunye nezivumelwano nabasebenzi.

I insurer ingqalelo Insurance Fund Social. mali lwayo kungenxa iintlawulo zenyanga umqeshi ngomqeshwa ngamnye. Ubungakanani iminikelo lusekiwe ngokusekelwe lomvuzo.

In Art. 8 loMthetho Federal ithi mali zichithwa:

• lezibonelelo ngenxa yokukhubazeka;
• imbuyekezo ukufa;
• kuhlawulela unyango, ukuthenga amayeza, ukulungiswa.

inshorensi yokuzikhethela

inshorensi yobomi ngokuzithandela abasebenzi lwenziwa ngokwesiseko imithetho ebekwe phantsi Art. 934 of the Code Civil. Imigaqo intsebenziswano esekwe ngamaqela yesivumelwano, ekwavunyelwana ngaso inkampani nokuba ngummi. Umsebenzi uya kuhlawulwa imbuyekezo kwimeko-inshorensi. Iminikelo ihlawulwe ngumqeshi.

inshorensi ngokuzithandela umsebenzi ngumqeshi uthathwa ukuba abe inkxaso eziphathekayo ekulungiseleleni yokwenzakala emzimbeni xa besenza imisebenzi yabo. Izinto eziluncedo ziquka ukukwazi ukufumanisa:

• miqathango;
• malunga nokufaka imali;
• imithetho kunye nemali kweentlawulo;
• ngokwemigaqo ye-inshorensi.

Amagama asetyenziswayo nemiqathango

Xa wabulawa inshorensi abasebenzi, kufuneka ufunde, yintoni amatyala ingqalelo yi-inshorensi. Lo isenokuba le meko:

• Ukukhubazeka okwethutyana;
• ukwenzakala ngenxa yengozi;
• ukufumana ukukhubazeka;
• Ukwenzakala akuvumelani ebomini.

umcimbi weinshorensi imeko xa umqeshwa onzakele kwi yothutho inkonzo xa ndisiya emsebenzini okanye ukubuyela ekhaya. Kodwa akukho namnye kubo;

• infliction ngabom ukuzenzakalisa;
• ekwenzeni izenzo ezingekho mthethweni;
• ukuzibulala;
• ingqondo ingozi.

umonakalo Non-pecuniary ayiqukwanga kudidi "yetyala inshorensi".

Amalungelo kunye neemfanelo umqeshi nokuqinisekisa ukhuseleko

Umqeshi kunye umntu inshorensi unelungelo:

• ukufumana ulwazi evela kwiNgxowa-mali;
• ezifumana nendlela zongqiniso lwamaxwebhu yenkcitho;
• lokhuseleko, enkundleni.

Kuba umqeshi xanduva luquka:

• Unikezelo kwemali;
• yazise iFund iingozi;
• isaziso sokutshintshwa ububanzi inkampani;
• ukwazisa abasebenzi malunga ithuba lokuguquka kwakhe kwi Fund;
• ukubuyiselwa ukuba iminikelo khange bahlawulwe.

inshorensi ngexesha elifanelekileyo ithathwa iindawo yoxanduva. Inika ukhuseleko oluyimfuneko kunye neemeko zokusebenza emsebenzini. Oku kunciphisa inani iingozi, izifo emsebenzini.

iintlawulo

Ukuba ngokusesikweni inshorensi abasebenzi, xa isiganeko benefits wabeka intlawulo:

• imbuyekezo zexeshana ixesha lokukhubazeka;
• intlawulo ngexesha elinye-;
• iintlawulo zenyanga;
• Survey of intlawulo.

Iindleko zokubuyisela zibandakanya:

• unyango;
• lokuthenga amayeza;
• Iinkonzo Spa;
• nokudalwa zitho;
• nokuthengwa kwezithuthi;
• ngokutsha;
• iindleko zohambo.

Xa ukufa komntu eziyimbuyekezo yomqeshwa enikiweyo usapho okanye izalamane. inshorensi ngokuzithandela abasebenzi mbutho kudla ngokuquka ukufumana unyango simahla kunyango.

zentengo

Isebenza imirhumo ye-inshorensi 32 ezahlukeneyo amathuba iingozi emsebenzini. Khetha kuzo ngokusekelwe nkampani. rates-inshorensi inokuba kuluhlu 0,2-8,5%.

Fund inshorensi

Lo mbutho unika inshorensi enyanzelekileyo zabasebenzi malunga neengozi. Ukuba byi imbuyekezo abantu. Le ngxowa-mali awukwazi indawo yenye inkampani yeinshorensi. Kuba imbuyekezo okanye intlawulo kuyimfuneko ukuba lingenise la maxwebhu alandelayo:

• ingxelo ingozi okanye iphepha malunga nesifo;
• yoxwebhu eliselayinini-avareji yemali;
• isiqinisekiso uhlobo kwimeko yesiqhelo;
• kuhoywa engqesho esesikweni;
• isiqinisekiso sokufa;
• iziphumo zoviwo;
• Ekugqibeleni, ubungcali zonyango nezentlalo.

Iikopi ziya kuqinisekiswe izivumelwano. Insurance uthathwa indlela zokukhusela umqeshwa kunye nomqeshi. Ukuba kuyimfuneko, ukunciphisa inani iingozi, kwakunye nesiqinisekiso sokuba imbuyekezo eziyimfuneko ziza kubonelelwa.

inshorensi annuity

inshorensi umhlala-phantsi ngesinyanzelo kubasebenzi iqinisekisa ukukhuselwa kwamalungelo abantu. Kwaye kwakhona usebenza basemzini abahlala eRashiya. inshorensi ngokuzithandela kucingelwa ukuba abe ukongeza kuyo, nto leyo ukhuselo inokuthenjwa. Le nkonzo ikuvumela ukuba aqokelele imali ukuze ekubunjweni pension elizayo.

inshorensi ngokuzithandela ikhutshwa ngokwesicelo. Phakathi kwamaqela kukho isivumelwano apho isayizi umiselwe kunye nemigaqo yovavanyo. Inkonzo enjalo kulindeleke yomhlalaphantsi befanelekile. inshorensi ngokuzithandela ikhutshwa phandle neenkampani ezahlukeneyo. imali Extra-mali aziboniswanga ezinxulumene ukuyilwa kwemali.

Umqeshwa ngamnye uyakwazi ukukhetha iirhafu okungcono kunye neenkonzo. I-Pension kwakheka ngenxa iminikelo eyenziwe phantsi isivumelwano. Inshorensi esweni ukuzaliseka ngokupheleleyo nangexesha elililo nezibophelelo. Ngokusilela ukuzalisekisa imiqathango elungiselelwe uxanduva.

Inshorensi kwenkonzo ezinjalo:

• iinkampani;
• imali yabucala.

NPF - amashishini Non-nzuzo ukuba bazibandakanya kumbutho inshorensi ngokuzithandela (Inqaku lesi-2 loMthetho Federal № 75.). Umbutho client inokuba umntu wemvelo. Abatyali kule ntengiselwano ziya kuqinisekiswa. Yaba nguye lowo kona imali.

isivumelwano kuphothulwe phakathi kwamaqela. Esi sivumelwano, njengoko apho intlawulo wabeka iimali ezongezelelweyo eveliswa iifizi. Ukuba umxhamli ngumntu wendalo, intlawulo unakho ziquka oku kulandelayo:

• zomhlala-phantsi;
• izixa-mali;
• imali kwetu.

Sakuba sirhoxisiwe isivumelwano wesithathu Awukwazi ukufumana umvuzo. kungavela imeko-inshorensi lokuqala amatyala. Le mvumelwano iya kupheliswa xa izibophelelo omabini anelisekile.

Kukho umahluko ezimbalwa ukusuka DPS-inshorensi esisinyanzelo;

• isivumelwano sokuqala liqinisekile, kwaye eyesibini - kaRhulumente;
• Kwimeko yokuqala, unqwenela, kwaye eyesibini - kuyimfuneko;
• inkonzo yokuzithandela, ungakhetha ixabiso kunye umyalelo iintlawulo zobuhlali noseko yerhafu esekwe ngomthetho operatives;
• kunye DPS, ungakhetha inkampani, yaye kwimeko yesibini, le mali idluliselwa mali extrabudgetary;
• mali NPF idaliwe evela kutyalo kunye needipozithi, kunye nemali karhulumente sidalwe ngenxa iminikelo ngumqeshi;
• inkonzo ngokuzithandela Sisikim ebalulekileyo zomsebenzi, kunye esisinyanzelo - lwamaxabiso kwaye rate.

State yokubonelela i-inshorensi enyanzelekileyo. Kuyimfuneko ukuba bavale ekunyangeni abantu, intlawulo pension kunye nezibonelelo. A ngokuzithandela ezikhethiweyo njengoko oyifunayo, kwaye sikuncede kuphela kwiimeko ezithile. Zombini iinkonzo zibalulekile, ngoko xa kufuneka ekuyileni ingqalelo kwiinkcukacha.