CWG: ndemanga. Insurance kampani "Rosgosstrakh": mlingo maadiresi

Pafupifupi aliyense masiku ano ndinaganiza za, kuonetsetsa inu ndi banja lanu inshuwalansi yachibadwa moyo, penshoni, ndi zina ofunika ndipo nthawi yomweyo nthawi zambiri anthu potembenukiranso awo kampani CSG. Reviews ntchito ya gulu ndi kosagwirizana, ngakhale kuti m'munda umenewu, iye wakhala akugwira ntchito kwa nthawi yaitali ndipo akadali yaikulu Russian inshuwalansi kampani chibwenzi.

M'nkhaniyi tiona zina mwa options inshuwalansi UK ndi zimene makasitomala ndikuganiza za aliyense wa iwo. Ife zichokera chakuti zokhudza kampaniyo CWG ndemanga zili zofunika kwambiri ndi odalirika zambiri.

inshuwalansi moyo

Malinga mmene akuyendera mtengo ndalama, ndi chakale inshuwalansi moyo lagawidwa mitundu iwiri: chokhala ndi yowopsa. Dziwani chakuti tanthauzo mosavomerezeka mfundo izi pokhapo titachitapo kwambiri ndi zochokera mchitidwe alipo ntchito mawu awa.

yowopsa

inshuwalansi moyo wawo pachiswe chitetezo ndalama banja inshuwaransi munthu ngati munthu akamwalira mu zochitika zina, ndipo izi bwino alembedwa mu mgwirizano wa kampani CSG. Ndemanga pa utumiki uwu ndi maganizo ndithu, monga anthu ambiri mwina sanalandire malipiro konse, kapena adalandira patapita Kuthi mwachilungamo yaitali, amenenso si nthawi zambiri zosangalatsa.

Mu mapangano amenewa akhoza, ngati n'koyenera m'gulu Komanso ngati inshuwalansi ndi matenda kapena ngozi, kulumala, pakutchulidwa matenda oopsa. Aliyense ndalama kwambiri Pankhaniyi sakanati kupangidwa, chifukwa ndalama zonse lolipiridwa ndi kasitomala pamapeto pake kupita kuphimba kuopsa izi, komanso mitundu yonse ya ndalama ndi kampani ya inshuwalansi. Si zofunika kwenikweni n'chakuti Pankhaniyi ali kwathunthu inathetsedwa ndalama iliyonse pambuyo lotha wa inshuwalansi mwa CSG. Reviews nthawi zambiri anatsala anthu amene amayesa kupeza ndalama zawo pa mapeto a izo, ngakhale kuti sanali kupereka deta mtundu wa inshuwalansi.

Malinga antchito UK, njira ambiri lero amakhalabe ndi inshuwalansi mwachangu mu nkhani ya imfa ya inshuwaransi a.

chokhala

Mphoto inshuwalansi amapereka mapangidwe pang'onopang'ono ndalama, ndipo Dziwani mfundo kuti kalekale pangakhale ngozi chigawo chimodzi, amene amasamalila kukhazikitsa chobwezera cha kuchuluka inayake ndalama mu chochitika cha imfa kapena milandu ina anapereka mu pangano olembedwa.

Lero, njira yofala ndi otchedwa wosanganiza inshuwalansi moyo, monga mu nkhani ya imfa ya inshuwaransi kapena kukhwima (ngati mpweya inshuwaransi isanafike nthawi imeneyo), malinga ndi mgwirizano, kulipira mwachindunji kuchuluka kwa "Rosgosstrakh". Offices mu Moscow ndiponso mizinda ina zambiri kupereka chabe pangano amenewa. Mtundu wa inshuwalansi, malinga ndi ndemanga, ndi otchuka kuyambira m'masiku a Soviet Union, koma ayenera kuti nthawi kuti Iye anapereka kwa inshuwalansi mokakamizidwa ndi ngozi iliyonse.

Features

Kuti zosinthika izi inshuwalansi yodziwika ndi zinthu zotsatirazi:

• ndithu nthawi yaitali, zomwe zimathandiza kuti pang'onopang'ono kulenga chidwi kuchuluka kwa ndalama malinga ndi mgwirizano, ngakhale kuti zopereka mu nkhani iyi ndi ochepa;
• kungakupatseni wina woyang'anira kudzikundikira zinapeza malo okhala zipatso monga mgwirizano, ndipo nthawi zina zingakhalepo zina ndalama ndalama.

Chifukwa cha makhalidwe amenewa chifukwa nkhokwe inshuwalansi adzapitiriza kukula mu moyo pangano limeneli. Akatswiri amanena kuti ngati mgwirizano ndi kutsazikana momaliziratu, munthu ali ndi mwayi kupeza ndalama zambiri ngati chiwombolo kuchuluka - mokwanira kubwera kwa CSG lapansi. Offices kupereka ndalama zimenezi, kaya malo.

Dziwani chakuti ndalama ndi inshuransi ndi mapangano alionse amene amapereka kwa malipiro pa moyo, kuphatikizapo komanso mapangano osiyanasiyana inshuwalansi penshioni. Koma pa chilamulo chomwecho akulangizidwa kulabadira chowona, kuti palokha ndi inshuwalansi moyo vuto la imfa ndipo ankaona kuti chokhala, ngakhale sasamalira kuti likhale pangano la mlandu kupulumuka ku nthawi zina. Nkhokwe malinga ndi chikalata ichi, adzapitiriza kukula mu nthawi ya inshuwalansi ndi pachimake anafika kokha pa mapeto.

mawu

Pankhani gulu la mawu, pali zing'onozing'ono yaitali inshuwalansi.

Ndipotu omveka bwino a mugawo ili kumeneko, koma sikuti yosiyana mu "Rosgosstrakh" mapangano kampani.

Offices mu Moscow pafupifupi pa msewu uliwonse, koma, ziribe kanthu, zimene mupempha, iwo ndikuuzani inu kuti yochepa - ndi malamulo omwe ali linapereka chaka chimodzi, koma mfundo zambiri zimachitika kuti inshuwalansi moyo kwa zaka zitatu kapena zisanu ndi umatchedwanso yochepa. Izi ndi zofunika kuti kusiyanitsa iwo mitundu ina mabacteria anamaliza ndi zaka zambirimbiri.

Ndalama njira yokha ndi yaitali, kaya mbali ya malamulo. Pa nthawi yomweyo mu zaphindu chiopsezo inshuwalansi Nthawi zambiri, yochepa, koma kuchita zambiri pali zochitika pamene inakhazikitsa mu nkhani ya imfa ya 10-15, kapena ngakhale zaka 25-30.

Zaufulu inshuwalansi penshioni

Inshuwalansi RGS wa mtundu uwu ndi pulogalamu ndi kudzikundikira, kupyola, munthu akhoza kwathunthu paokha kulenga okha pantchito yawo yam'tsogolo.

mapulogalamu onsewa ndi mbali ya kachitidwe penshioni mu ambiri osakhala a dziko ano, anapatsidwa mwayi kwa nzika kusamalira akalamba yekha. Tikumbukenso kuti machitidwe otere adziwa kale Musati muzidalira pa mphamvu chuma cha boma, koma molunjika pa mphamvu ndi kufunitsitsa wene.

Ogwira ntchito za UK kuti pali zingapo zimene mungachite mmene apereke ndalama mu kamangidwe ka inshuwalansi penshioni zingakhale:

• mpukutu pamodzi munthu kufika zaka zopuma pantchito;
• malipiro moyo;
• ndi penshioni moyo ndi makonzedwe a chitetezo cha malipiro yogwila nchito zawo.

Njira yamasika lili ndi chinthu chimodzi. Ngati munthu afa lisanathe nthawi imeneyi, malipiro kuchuluka chikuchitika mokomera anzake mpaka kufikira kutseka nthawi chinanena mu mfundo.

Dziwani chakuti inshuwalansi CSG a mtundu angathandize ndalama osiyana kwambiri, ndipo mwachindunji amadalira zifukwa zingapo. Makamaka, mtengo anatsimikiza ndi m'badwo munthu, jenda wake, nthawi ya kudzikundikira penshoni, kukula kwa chopereka anakonza mtundu asankhidwa ndi dongosolo la malipiro a zopereka. Kasitomala Mzimuyo kukula kwa limanena analandira, m'badwo pantchito ndipo pafupipafupi kupanga ndalama za inshuwalansi.

Kodi muyenera kudziwa?

Ngati pazifukwa munthu wina wamwalira ngakhale asanafike zaka mwachindunji, zopereka zonse zimene zakhala lolipiridwa ndi kampani, kuphatikizapo likulu anasonkhanitsa, kenako anabwerera anzake.

Si onse kulabadira chakuti malipiro CSG kusamalira zinthu zina kusintha moti kuonetsetsa chitetezo cha likulu anu pa nkhani ya kufufuma. Gwirizanani, n'kofunika kwambiri chifukwa dziko lathu, anapatsidwa m'malo oyaka chuma.

mgwirizano wanu penshioni akhoza kuwunikira, ngati n'koyenera, malinga anthu kapena zinthu zina. Choncho (ndi makasitomala amatsimikizira nkhani iyi), ngati n'koyenera, mukhoza kusintha kukula kwa malipirowo, kapena ukalamba kenako ayamba akuyendera. Mwa zina, mungathe kupereka zopereka zina, ndiwo kumathandizanso.

Nthawi zambiri zimachitika kuti mfundo pantchito ndi muyezo kuphatikiza inshuwalansi moyo ndi ndalama gawo. Kuti pali mbali zina zopereka anatumiza kuphimba kuopsa, pamene gawo lina limakhala ngati ndalama. Choncho, ngati munthu inshuwaransi wamwalira kapena kamakhala wolemala, kampani amalipira ndalama zonse za anzake.

Ndi ponena kuti osachepera zotheka kuchuluka kwa ndalama malinga ndi mgwirizano kungakhale 4% pa annum, ndi mu mfundo CSG wofunika kupereka zochuluka kuposa ndalama. Komabe, tiona kuti ndemanga, anena kuti n'zotheka kupeza ndalama kokha malinga ndi mlingo osachepera, lomwe ndi zokhumudwitsa kwambiri panopa ndi kuthekera makasitomala.

CASCO

Tikayang'ana ndemanga, panopa tsiku inshuwalansi ndondomeko Hull nazo mu Russia mu ankafuna kwambiri, monga mmene chuma chikuyendera pang'onopang'ono zambiri okhazikika, pamene mabanki massively kupereka nzika ndi ngongole galimoto, koma amafuna borrowers amalephera nkhani otchulidwa pangano.

Anthu ena molakwa kuti liwu umaimira "Integrated inshuwalansi galimoto kupatula udindo" Komatu si choncho. Mfundo imeneyi anasamukira ife ku chizolowezi European ndipo ndi malamulo akuti padziko lonse limafotokoza ndondomeko ya opereka chitetezo cha njira iliyonse zoyendera kuphatikizapo madzi kapena mpweya.

Ngakhale kuti alumikizana choyambirira limayankha inshuwalansi ya galimoto ku mitundu yonse ya kuwonongeka kapena kuba, n'zotheka kuteteza zosiyanasiyana Chalk, komanso umoyo ndi moyo - onse dalaivala ndi anthu.

Kodi zimakhudza mtengo?

Akatswiri kuona kuti nthaŵi yofunika kwambiri mu ndondomeko ya kalembera wa mfundo ndi kusankha bwino inshuwalansi options. Choncho, pali zinthu zikuluzikulu, monga amene CSG ( "Rosgosstrakh") amapereka mtengo wa inshuwalansi opangidwa kuchokera:

• Anasankha njira. Today n'zotheka kupanga tsankho kapena zonse ndondomeko. Full amapereka inshuwalansi ndi kuba, kapena kumawononga, pamene tsankho zikuphatikizapo kokhako yotsirizira ya chiopsezo.
• Kupezeka ndi kukula kwa chilolezo cha. mtengo ndondomeko yafupika malinga ndi mmene chachikulu deductible a.
• Uwerenge inshuwaransi. Kungakhale akaphatikiza kapena nonaggregate (chosazirala). Kugwiritsa chimake choyamba n'kukumana ndi chakuti aliyense malipiro wotsatira wa inshuwalansi kudzikundikira ndi kuchepetsedwa. Izi zikutanthauza kuti ndondomeko amenewa idzakhala mtengo kwambiri kuposa nonaggregate.
• Indemnification. Pali zingapo zimene mungachite, kuyambira akonzetsere shopu makamaka kutsiriza ndi malipiro ndalama. Mu namtindi wa milandu RGS mankhwala (CTP kapena CASCO) amapereka utumiki kukonza siteshoni insurer. Komanso, ambiri asiye pa njirayi chifukwa ali ndi ndalama zambiri demokalase. Mu nkhani ina, inu kulipira mfundo zambiri.
• Ndondomeko kuwerengetsa ndalama. Ndalama akhoza anasamutsa mu view zoti kapena mutasiya iye. Inu amakonda Yachiwiri? Kenaka khalani okonzeka chifukwa chakuti mtengo wa inshuwalansi adzauka kwambiri. Izi zikutsimikiziridwa ndi anthu ambiri mu ndemanga zawo za CSG.
• Mkulu ndi zaka dalaivala. mtengo mfundo mwachindunji amadalira momwe patsogolo ndi mwini wake wa galimoto ndi zaka zingati iye anali.

Posachedwapa, anthu sali nthawi zambiri kunja alumikizana mu CSG. Muyezo wa kampani izi pang'onopang'ono mpaka kusanduka, ndi zinthu zambiri izi chifukwa chakuti maukonde tsopano zambiri ndemanga zoipa za kusowa kwa ndalama.

Gulu lomweli amapereka zinthu mwachilungamo angakwanitse mfundo muyezo, kuphatikizapo mapulogalamu monga "CASCO Economy" ndi "pulaimale Hull." Komanso, ngati munthu sanalandire mu ngozi iliyonse, koma anaganiza kuti adzathe apereke mfundo pano, inshuwalansi kampani RGS zimamuthandiza kuchotsera.

Kodi Ndimayang'ana?

Popeza kuti ndemanga angapo ali ndi mfundo za amene sanali malipiro ya maloya kampani analimbikitsa pazipita poyamba timudziwe bwino zikhalidwe za inshuwalansi pamaso panu kudzapereka mgwirizano, ngati inu kupita CSG lapansi. nthambi kupereka ndondomeko yomweyo, koma mtengo masamu sayenera inu kukhala kulingalira chinthu. Muyenera kukhala zotheka kuphunzira mwatsatanetsatane mfundo zonse kwa bukuli, kukambirana mfundo zina zabwino zonse ndi kuzindikira mwayi umene angagwiritsidwe ntchito mwa inu m'tsogolo.

Choyamba kulabadira galimoto kakeko yosungirako usiku. chinthu ichi nthawi limapezeka ndi sanatchulidwenso malamulo, koma ngati iye adzakhalabe pano, muyenera kudziwa nthawi yomweyo kuti si m'mapaki onse galimoto ndi boma udindo kumuteteza ndiponso kupereka makasitomala awo ndi zikalata akuthandiza.

Mu mgwirizano, mukupita kuti achite ndi CSG (nthambi zambiri kupereka pangano yomweyo), tiyenera bwino adzadziwika ndi zinthu monga "Kuba", "kuwononga", "Kuba" ndi "kutayiratu galimoto," ndipo asamangokhala , akuti anafotokoza mwatsatanetsatane. madalaivala odziwa kutsindika kuti ngati mulibe amalimbikira pa mfundo iyi, mu mapeto mwambo mkangano mukhoza kukana malipilo yoyenera.

Onani "Udindo wa zipani" momveka bwino nthawi ubale kasitomala ndi kampani. Makamaka, kwalembedwa mwa mawu a zimene munthu winawake ayenera awadziwitse kampani okhudza nkhani anayambika inshuwalansi. Nthawi zambiri zimachitika kuti ankasowa amafuna zafotokozedwa mgwirizano umenewu, zikubweretsa kukana malipiro.

Adiresi mu Moscow

CSG (Moscow), kampani amalola kutsatira nthambi pa maadiresi zotsatirazi:

• Kiev, 7;
• Krasnaya Presnya, 38;
• Myasnitskaya, 43;
• Leninsky chiyembekezo, 23;
• Novoslobodskaya, 31;
• Leningradsky Prospekt, 33.

Mosasamala zomwe kulankhula nanu kusankha ntchito ku Dipatimenti ya CSG (Moscow - ndi mzinda, kotero luso ndi ndani othandizana nawo pali zambiri), inu adzapatsidwa ndendende mawu omwewo ndi zinthu. N'chifukwa chake nthawi zonse zotheka kuti usapite ku ofesi, limene lili pafupi.

Anton St. Petersburg

Nthambi patsogolo pathu luso ndi ndani ali pafupifupi mzinda zonse zazikulu. N'kwachibadwa kuti St. Petersburg, nawonso kupeza ambiri a m'maofesi a kampani CSG. maadiresi ali motere:

• Kuibyshev, 23;
• Tambovskaia, 33;
• Cash, 40;
• 1 Krasnoarmeyskaya, 13;
• Tchaikovsky, 8;
• Industrial Avenue, 25.

Monga momwe zinalili m'mbuyomu, makasitomala onse amapatsidwa enieni zikhalidwe zomwezo. Ndipo zilibe zimadalira, imene nthambi akufuna ntchito misonkhano ya CSG lapansi. Maadiresi ife kupereka yekha chifukwa cha munthu aliyense akhoza kusankha abwino kwambiri kwa iye ofesi ndi kukonza ndondomeko wake chidwi.

m'malo mapeto

Choncho, ngati n'koyenera, lero aliyense akhoza kutenga inshuwalansi, kaya malo awo okhala (mu Russia) kapena msinkhu wawo. Pa nthawi, tiganizire maofesi kampani alipo pafupifupi mzinda zonse zazikulu, ndi lalikulu zedi, okwanira ndikuonetsetsetsa kuti aliyense akhoza kupeza chifaniziro kwambiri yabwino inshuwalansi.