Inshorensi yonyango ezinyanzelekileyo - oku ... zanyanga le-inshorensi i-inshorensi yezempilo esisinyanzelo

Enyanzelekileyo kwezentlalo, pension kunye ne-inshorensi yezempilo - amalungu yenkqubo karhulumente ukuxhasa uluntu. Oku kuquka isethi amanyathelo zombutho, ezomthetho nezoqoqosho. Makhe siqwalasele ngakumbi oko okwenza Federal esisiNyanzelo Medical Insurance.

lwesigama

inshorensi yempilo esisinyanzelo - inkqubo amanyathelo omthetho, sombutho kunye zoqoqosho ezijolise nokuqinisa amalungiselelo simahla uncedo kubemi phezu kokuvela iimeko eziphathelelene noko. Ngezimali oluqhutywa phaya ngeendleko HIF okanye phakathi kwisiseko lwengingqi nkqubo karhulumente. Umthetho olumisiweyo engundoqo elawula-inshorensi yezempilo esisinyanzelo - inombolo Umthetho 326. Le ichaza neengqikelelo ezingundoqo. Nangakumbi, lo ummiselo uchaza intloko yenjongosenzi MLA, umngcipheko kunye nokhuseleko, kunye nokugcinwa isiseko lwengingqi nkqubo, njengoko apho kukho i-inshorensi yezempilo enyanzelekileyo. Federal Law № 326 ikwacacisa izibophelelo kunye namalungelo abantu angene kwisivumelwano, uxanduva lwabo.

Ukungxamiseka ngxaki

Phambi ko-2011, bekukho indlela ethile le MLA. Noko ke, njengokuba kusenziwa zibonisa, alufanelekanga kakhulu. Esona sizathu siphambili oku ukungabikho iimeko ezifanelekileyo apho embindini simiso kukhonza umguli kunye neemfuno zakhe. Phambi ko-2011, ithuba lokuba ukhethe lombutho uphumeza-inshorensi yezempilo ngokunyanzelekileyo eMoscow okanye komnye umzi, kananjalo wayengummi kunye nomqeshi wakhe okanye esilawulayo. Ukuziqhelisa, le meko yabangela ukuba kususwe ngqo zabemi nenxaxheba kwenkcazo MLA. Ukongeza, lebyikulu ngaphakathi le nkqubo isekelwe kwimigaqo ethile. Ngokukodwa, iikliniki kunye nezibhedlele befumene iimali asuka kumaqela anjenge yembuyekezo iindleko zonyango wenziwe, kwaye ulungiselelo lokhathalelo kwizigulane. Enyanisweni, amaziko onyango ngoko kulwabiwo-mali ethile. Insurance Fund olugunyazisiweyo Health ayinayo nempembelelo ebalulekileyo ekujonganeni phezu izibhedlele kunye neekliniki. Ngako oko, owokugqibela baba nomdla ekuphuculeni umgangatho weenkonzo.

Imeko yangoku

Okwangoku, i-inshorensi yezempilo esisinyanzelo - yiprogram eyenzelwe ukuba ngemali kweenkonzo, kunye nezibonelelo zonyango hayi ngolo hlobo. Ummiselo ngasentla negalelo kakhulu ukuxhobisa abemi. Ngoko ke, umntu uyakwazi ukukhetha kunye neenkampani ze-inshorensi, kunye namaziko ezempilo kunye noogqirha. Kwiziko efanayo, nto leyo iqukiwe kwirejista, baza basayina isivumelwano kubonelelo ngeenkonzo ezifanelekileyo program, akanalo ilungelo lokuba ukuphika uncedo engummi.

iinkalo eziphambili

Enye imiba ephambili kule nkalo lenza inkqubo, ngokutsho ngayo ngemali-inshorensi yezempilo ezinyanzelekileyo. inombolo Umthetho 326 ilawula nkalo zilandelayo:

1. Imithetho ukubunjwa kwemali.
2. Ixabiso le-insurance premium kubemi abangasebenziyo.
3. Ixesha nesi gwebo; ixesha Thabitha.
4. Lijongene izitenxo kwi iminikelo ixhuzulwe.
5. Imithetho emisela iirhafu imbuyekezo kwenkonzo yonyango kwi MLA.

Kuyo 2011-2012, i -inshorensi ye-inshorensi yezempilo enyanzelekileyo landile ngama-2%. Oku kuya kuthumela kwicandelo lezempilo ukongeza malunga engange 460 billion.

uluhlu lwamaxabiso

Ubhaliso-inshorensi ye-inshorensi yezempilo elinyanzelekileyo ukuba lenziwe kwi-mali FFOMS CSC - inkqubo ekufuneka kudlule bonke abaqeshi. ixabiso lazo kuxhomekeke indlela yokubizwa kweerhafu kunye nohlobo lomsebenzi ishishini. Ukongeza, izinga ibalwa kuthathelwa ingqalelo kudidi Mhlawuli. Lo mbutho zingabiza iifizi Njengomthetho jikelele, okanye ukusetyenziswa amaxabiso aphantsi. Kwakhona iindidi ezibalulekileyo zabasebenzi ngokwenzuzo kabani iintlawulo zenziwe.

Ngowe-2016 umlinganiselo SP kunye nabasebenzi kunye nemibutho kwi HIF - 5.1%. Benefits zezi: naliphi na iqela labantu abakhubazekileyo (2.9%), Uhlobo lombutho karhulumente (2.9%), iindawo zokutyela ezibonelela uncedo mahala (2.9%), umbutho wakhe capital charter - iminikelo (2.4%).

migomo enzulu

Olawula umthetho inshorensi yempilo mandatory №326 umisela malungiselelo alandelayo:

1. Umlinganiswa jikelele ye-MLA.
2. Ukubonelela karhulumente kuqinisekisa ukhuseleko lwabantu nxamnye iingozi.
3. Ukuzimela ngezimali inkqubo MMI.

Imigaqo ziphantsi inshorensi yempilo esisinyanzelo - is:

1. Ukuqinisekisa HIF ngenxa uqinisekisa ezamahala uncedo ngokuxhomekeke phezu kokuvela iimeko eziphathelelene noko.
2. Stability yenkqubo yemali. Uzinzo kuqinisekiswa ngokusekelwe nokufana inkxaso-inshorensi mali MHI.
3. Olugunyazisiweyo Iintlawulo ezibanjwayo kwiimali esekwe kule mimiselo.
4. isiqinisekiso State ukuba iimfuno zabantu zeinshorensi ukuzalisekisa iimfanelo zalo phantsi inkqubo esisiseko CHI, kungakhathaliseki ukuba imeko yemali insurer.
5. Ukudala iimeko ukuqinisekisa umgangatho kunye nokufumaneka unyango.
6. Ubo ukumelwa-nxaxheba kunye nezifundo ze OMC kulawulo.

Ezi nkcukacha le nguqulelo

Ukutshintsha inkqubo CMI ukhonza njengenxalenye ebalulekileyo iinguqu zokhathalelo lwempilo omkhulu kwi-Russian Federation. Iingcali zikholelwa ukuba imimiselo eyamkelweyo kuza kuba negalelo kuphuhliso ngempumelelo kwinkqubo yonke. Kulo mzekelo, ugqaliselo bezigqibo kufuneka ibe kuphela impilo ibe ngummi. Kubalulekile ukuba isigqibo sokuba yintoni ingcali, apho arhente kbafownlwa. ukhetho yabantu akufuneki kuphela kwiiklinikhi nezibhedlele kwingingqi ahlala kuyo okanye ubhaliso.

izifundo

Esi sigaba sibandakanya:

1. abantu oKhuselwe ngeInshorensi:

• ukusebenza phantsi komthetho yoluntu zabasebenzi izivumelwano, apho isifundo owenza ekwenzeni umsebenzi okanye ukunikezela ngeenkonzo, kwakunye nesivumelwano se layisenisi kunye copyright;
• abantu self-abaqeshwe (oosomashishini, abantu self-abaqeshwe).

2. nabaKhuseli:

• abantu abanenxaxheba iibhonasi kunye nezinye imbuyekezo kubemi (umbutho, SP);
• oosomashishini ngabanye.

3. fund Federal njengesikhali insurer. Kuyinto umbutho ongenzi nzuzo kwakheka ukuphumeza umgaqo-nkqubo karhulumente kweli kwinqanaba le MLA.

nxaxheba

Kule nkqubo MMI abakhoyo:

1. imali indawo. Bona yandlalwa umbutho ongenzi nzuzo kwakheka yi kwiingingqi ukulungiselela ukuphunyezwa kwe-nkqubo karhulumente kwisigaba ka OMC kwi kwintsimi ze-Russian Federation. Ezi zithinteli enze amagunya inshorensi athile ngokuphathelele ekwenzeni iinkqubo zommandla medstrahovaniya enyanzelekileyo.
2. izibonelelo zonyango. Ezi ziquka umbutho ezenziwe kwiRejista MLA nokuba ilungelo ukuphumeza imisebenzi entsimini ukhathalelo lwempilo kunye ne-inshorensi yezempilo enyanzelekileyo. Bangakwazi lisekwa oosomashishini ngamnye okanye umbutho nayiphi na uhlobo esemthethweni kuvunyelwa yimithetho nemimiselo.
3. Iinkampani ze-inshorensi yezempilo. Bayenza ngobuchule imisebenzi yabo entsimini MLA ngokusekelwe kwelayisenisi elinikwe yi umzimba eligunyazisiweyo okugada. Insurance medorganizatsii ukuphumeza amagunya inshorensi ethile № Federal Umthetho 326 kunye nesivumelwano phezu ngezimali i-MLA, ngubani na ne-mali lwengingqi.

registry

Njengoko sesitshilo ngasentla, oko kuquka medorganizatsii. I babhalise phambi kwabo;

1. Amagama.
2. Uluhlu iinkonzo ziyafumaneka kwi-sikhokelo iinkqubo MMI yengingqi.
3. Iidilesi.

Fund Territorial Likwalondoloza irejista kunye neendawo qho mandatory kwi website esemthethweni. Avumelekile upapasho olongezelelweyo ulwazi ngezinye iindlela.

uphuhliso lweenkqubo

Ngokuhambelana isenzo ngokomthetho № 326 isiseko kunye nezalathiso lweendawo kwasekwa CHI. KwiSahluko. 7 yolu xwebhu lubonisa izintlu iinkonzo, ezifakwe kwinkqubo nganye. Ukususela ngo-2013 kwi-reference kwicala kuquka ukhathalelo olungxamisekileyo lonyango, kwaye ngo-2015 - eliphezulu-zobugcisa. Inkqubo evunywe yi amanqanaba yommandla nokazwelonke. ulwalathiso Basic usebenza kulo lonke eli lizwe, kwaye isebenza kwiqumrhu indawo. Imimandla anikwa ilungelo ukongeza ucwangciso omkhulu amatyala inshorensi kunye neendidi noncedo ezingaqukwanga kwi MLA. Ngelo xesha linye ukuxhasa amalungiselelo abo.

inshorensi yempilo obunyanzelekileyo bokuhamba: nkqubo

waba eMoscow isixeko wokuqala kweli lizwe apho la maxwebhu ziye zaziswa. Ekuhambeni ukuphunyezwa kwenkqubo MLA abayinikileyo abemi kwezinye iindawo. Phambi ko-2011, inkqubo MHI wayengekho efanayo kubo bonke. Kuzo zonke inkampani ukushicilela iifom zabo. Babeza kutshintshwa phezu ukuphelelwa. Ukuba abantu batshintsha imisebenzi, kwafuneka ukuba anikezele umgaqo wakhe kumqeshi. Uxwebhu entsha sikhutshwe kuye omnye ngumqeshi. Le nkqubo kuthatha ixesha lokuba umntu adubula akwazi ukufumana unyango. Ukuba ngummi waba abangasebenziyo, kwakufuneka ukufumana nkqubo entlanganweni, ukuba inshorensi abantu abangasebenziyo ngenxa yokhuphiswano. Ngelo xesha langoku uxwebhu sikhutshiwe kubo bonke abemi kunye uhlobo olunye kuzo zonke iingingqi. Unjani ikhadi lamatyala. Kwicala ngaphambili ipolisi ye-inshorensi yezonyango enyanzelekileyo olwenziwayo lwesampulu omtsha (apho inani lamasuntswana 16) liqulethe chip. It bhalisa ulwazi malunga inkampani ekhuphe xwebhu. Ulwazi malunga umntu inshorensi akhoyo ngasemva kwikhadi. Ziquka igama, umhla wokuzalwa. Kwicala emva kukwakho ifoto kunye ndlovu utyikityo.

Inkqubo yokufumana

Ngaphambili, abemi banikwa-nkqubo wengingqi MLA. Ukuze kuphunyezwe inkqubo karhulumente lwaqhutywa ngokuthe indawo kuzo. POMS isebenza njengoxwebhu eqinisekisa ilungelo ummi ukufumana unyango simahla wonke ummandla Russian Federation kangangoko enikwe kule nkqubo engundoqo. Ukuze ufumane umntu buqu okanye ummeli wakhe uya kungenisa isicelo. Oku kunokwenziwa ngqo kwi-i-inshorensi okanye TFOMS medorganizatsiyu. Ngosuku yokuvunywa kwesicelo ngummi sikhutshiwe isiqinisekiso okwethutyana. Le nkqubo uthatha indawo yalowo eziya kukhutshwa. Emva kokuphela, ngokuqhelekileyo 2 iiveki ummi lifumana xwebhu ngekhompyutha. nkqubo plastiki sisebenza ngokungenammiselo. Ukutshintsha uxwebhu luyafumaneka kwezi meko zilandelayo:

1. Ilahleko / umonakalo / izibuko.
2. Tshintsha igama

Ukuba utshintsha indawo yokuhlala / ubhaliso, ubume ummi (abaqeshwe okanye abangaqeshwanga) POMS replacement ayifumaneki.

ukubala zokugcina ukuba iinkonzo ezibonelelwa

Phantsi inkqubo karhulumente MHI imithetho engqongqo imithetho enxulumene nexesha imbuyiselo ebonelelwe kukhathalelo nomonde. Xa izibonelelo zonyango ngoku isiqinisekiso sentlawulo ngeenkonzo ezinikiweyo ummi nonresident. Oku, kwandisa umdla yamaziko zonyango ekuncedeni abantu. Ukuba medorganizatsiya inshorensi delay intlawulo mali iya kuhlawula iziko isohlwayo. ubukhulu yayo ibalwa xa ekukhutshweni kwemali izinga le-Central Bank (1/300) ukusebenza ngomhla lokusekwa ungalibali ukundinika. Calculus kwenziwa izixa non-kuluhlu yonke imihla.

inshorensi yempilo esisiNyanzelo eMoscow: Ukalisho Company

Uluhlu lwemibutho asebenza sikhokelo yenkqubo MLA, zabuya ngokwemiqathango ethile:

1. Inani lezinto of POMS.
2. ukusebenza.
3. Ukufumaneka ulwazi amalungelo abemi '.

Ngokutsho kweengcali, umgangatho wamandla zemali ayikho elibalulekileyo ukulungiselela rating. Oku kungenxa ekuyekeni imisebenzi zombutho ingakumbi abemi njani na. Inye kuphela eya kuwela ukuba benze - kukuba ukutshintsha inkqubo. Le mibutho ethandwa ikomkhulu zezi:

1. "RESO-MED". Le nkampani iye ofisi 37, apho ekwenziweni POMS. ishedyuli yazo ezahlukeneyo, ezinye zazo zisebenza ubusuku nemini kwaye ngeempelaveki. Kwiinyanga zokuqala-9. 2012 ezingaphezu kwama amawaka-200. Izicelo, apho 43 zaye esivakalayo izikhalazo. Le nkampani inika inkcazelo malunga nendlela umngeni ukungenzi / nezenzo zabasebenzi, uluhlu iimpawu kwizinga eliphezulu medorganizatsy MLA.
2. MSK "Medstroy". Le nkampani iye amanqaku 4 wokukhutshwa POMS. I-ofisi kazwelonke isebenzela imini nobusuku. Le nkampani ibonelela ulwamkelo izicelo nge-elektroniki, kwakunye namaxwebhu unikezelo ihlawulwe. Lo mbutho ujongene kuphela inshorensi yezempilo.
3. "Ingosstrakh-M". Umbutho linamanqaku 4 wokukhutshwa POMS. Le nkampani ibonelela ngeenkonzo kubemi ukukhusela iimfuno zabo enkundleni. Le nkampani azityikitye iimvumelwano ezingaphezu kwezigidi 4.5 abathengi.

Imibuzo phantsi kwengxoxo

Ngaphandle inkqubo enye oms, kucetywa ukuba ukwazisa endaweni iirekhodi zempilo yesiqhelo paper-based (iingxelo zonyango) elektroniki. Oku kungenxa yokuba xa efumana ugqirha ummi non-umhlali kufuneka ukwazi izifo kunye nemiqathango isigulane. Abemi jikelele musa nabo iingxelo zonyango. Phambi ingxelo yezonyango elektroniki zigcinwe kwidathabheyisi enye, nayiphi na ingcali na isixeko ngokukhawuleza ukufumana yonke ingcaciso eyimfuneko. Ngelo xesha elinye kwiqela kumazwe aseYurophu ukusetyenziswa iirekhodi zempilo elektroniki uthungelwano lwehlabathi akuvumelekanga. Oku kubangelwa unreliability kweenkqubo yokhuseleko data zobuqu.

isiphelo

inshorensi yonyango ezinyanzelekileyo - oku linyathelo elibalulekileyo phambili kwiNtetho isigqibo kubonelelo uncedo namanani oluntu. software eziphuhlileyo ziquka zonke iintlobo eziyimfuneko iinkonzo anokuzifumana umntu free. Ukubonelela abantu nokufikelela yokunyamekela ngeendleko umthombo wemali, aqinisekiswe ngurhulumente. Umthetho olawula umda-inshorensi yempilo enyanzelekileyo yamkelwa kakhulu kutshanje. Nangona kunjalo, ngexesha lo mmiselo, abantu abaninzi bakwazi ukufumana likaxakeka, likaxakeka kunye nokhathalelo ezicwangcisiweyo. Bona banikwa iinkonzo ngaphambili aba bantu ababa basebenzise. Inombolo Umthetho yangoku 326 usebenza kubo bonke abemi abahlala kweli lizwe. Injongo ngummiselo kwindawo yokuqala ukomeleza ziziqinisekiso ilungelo lomgaqo-siseko ummi ukuzikhulula unyango. Ukuphunyezwa bemiqathango yawo inegalelo ukunyuka kancinane mali yolondolozo lwempilo. Oku kukwaquka imali karhulumente iqinisekisa unyango simahla kubemi kunye nezibophelelo karhulumente.

Ukuphunyezwa ummiselo negalelo ekomelezeni isiseko eziphathekayo kunye nobugcisa yokhathalelo lwempilo. Ngenxa yoko, eyona njongo sifikelelwayo, obemiswe ekuqaleni, - ukuphucula umgangatho kunye nokufikeleleka ukhathalelo lwezonyango ebantwini. Umthetho olawula kwezinye ngokweenkcukacha uxanduva amalungelo abo bonke abathathi-nxaxheba kunye namaqela achaphazelekayo, imithetho ngokungqinelana kuyo i-inshorensi yezempilo enyanzelekileyo. waba eMoscow isixeko yokuqala, apho waqalisa ukusebenza lo umyalelo lusekiwe. Namhlanje, uphuhlise nkqubo usebenza kulo lonke elo lizwe. Federal Law № 326 elawula ubudlelwane onke amacandelo e-nkqubo ubandakanya Ukuphuculwa MLA kunye nophuhliso koko lonke icandelo lezempilo.