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The insurance that іnvestitsіyny management - VG Fedorenko

1.3. KLASIFІKATSІYA STRAHUVANNYA

Strahuvannya harakterizuєtsya bagatma spetsifіchnimi ponyattyami. Without їh klasifіkatsії nemozhlivo vikonuvati tsіy robot in the Branch.

The basis klasifіkatsії rozbіzhnostі very hard in the fields of insurance dіyalnostі kompanіy have pіdhodah schodo Zahist zabezpechennya insurance Mainova іnteresіv fіzichnih i Yurydychna osіb have viznachennі ob'єktіv strahuvannya, obsyagіv strahovoї vіdpovіdalnostі, in the form of holding strahuvannya toscho.

Nayvazhlivіshim Je podіl strahuvannya fallow od spetsіalіzatsії strahuvacha on Dvi velikі spherical dіyalnostі: strahuvannya Zhittya i zagalnі Vidi strahuvannya. Such klasifіkatsіya Got Duzhe great significance s point Zora Vibor insurers.

Treaty strahuvannya Zhittya - tse dovgostrokovі contract. Pong ukladayutsya 10 i bіlshe rokіv. Zgіdno s chinnim zakonodavstvom

* Bazilevich VD, Bazilevich KS Strahova right. - K .: tovaristvo "knowledge", the CCW, 1997. - 216 p.

Ukraine to dogovorіv strahuvannya Zhittya (vneski for yakimi not pіdlyagayut opodatkuvannyu podatkom on Prybutok) nalezhat Treaty, termіn dії yakih perevischuє ten rokіv.

Uprodovzh usogo hour dії contract strahuvannya strahuvalniki splachuyut strahovі premії s tim rozrahunkom, dwellers zagalna scrip Tsikh vneskіv in rezultatі dorіvnyuvala strahovіy sumі for the contract. Vіdbuvaєtsya "nakopichennya" strahuvalnikami koshtіv, SSMSC zberіgayutsya in strahuvacha on perіod dії strahuvannya contract. For contracts strahuvannya Zhittya vіdpovіdalnіst strahuvacha nastaє in razі smertі zastrahovanoї individuals abo in razі dozhittya her to obumovlenoї podії contract, that of whether yakih obstavin Costa vnesenі turn zastrahovanіy osobі abo її pravonastupnikam (chastіshe for all vіdsotkami s).

Povny Povernennya strahuvalnikovі vnesenoї sumi premіy plus dodatkovy dohіd in viglyadі vіdsotkіv rіchnih sama th oznachaє that "nakopichuvalny character," Yakim virіznyayutsya Treaty strahuvannya Zhittya i yaky vіdsutnіy in zagalnih (rizikovih) strahuvannya kinds.

Rizikove strahuvannya uvіbralo OAO All Ti Vidi strahuvannya, SSMSC not vіdpovіdayut Find our dogovorіv strahuvannya Zhittya. Strahovі premії for contracts zagalnogo strahuvannya splachuyutsya one-off at rozmіrі Pevnyi vіdsotka od strahovoї sumi. Pong is not nakopichuyutsya i do not povertayutsya strahuvalnikam, Yakscho insurance Podiya did not. Treaty zagalnogo strahuvannya such rank, zabezpechuyut deprivation kompensatsіyu zbitkіv. Tsі Treaty on ukladayutsya slim termіn, yak usually on the Year.

Klasifіkatsіya dvoh zaznachenih areas strahovoї dіyalnostі, Got neabiyake values. OAO All strahovі kompanії mozhna podіliti on Dvi velikі groups: Ti, scho zaymayutsya strahuvannyam Zhittya, i Ti, scho conductive zagalne strahuvannya. Zakonodavstvom Ukraine peredbacheno scho kompanії, SSMSC otrimali lіtsenzіyu to conduct strahuvannya Zhittya not toil right provoditi zagalnі Vidi strahuvannya, i navpaki. In Ukraїnі s of acceptance of the Law "About strahuvannya" strahovі kompanії not mozhut pretenduvati on odnochasnu dіyalnіst in oboh areas.

Not Mensch vazhlivoyu s ekonomіchnogo Look for Je klasifіkatsіya ob'єktami strahuvannya, tobto ob'єktami on SSMSC spryamovany INSURANCE Zahist. Klasifіkatsіya for ob'єktami strahuvannya peredbachaє viokremlennya troh Group:

• NKVD strahuvannya;

• Mainova strahuvannya;

• strahuvannya vіdpovіdalnostі.

Qiu klasifіkatsіyu hard at the basis of the insurance rozrobki vsіh vidіv poslug. Perelіk vidіv strahuvannya on SSMSC vidayutsya lіtsenzії, viznacheno in order іnstruktsії about vidachі sub'єktam pіdpriєmnitskoї dіyalnostі lіtsenzіy on zdіysnennya strahovoї dіyalnostі on teritorії Ukraine, about the minds i її zdіysnennya rules that control їh dotrimannyam.

Klasifіkatsіya peredbachaє takі Vidi strahuvannya:

1. Strahuvannya Zhittya.

2. Strahuvannya od neschasnih vipadkіv.

3. Medichne strahuvannya (bezperervne strahuvannya Health Protection).

4. Strahuvannya Health Protection at vipadok hvorobi.

5. Strahuvannya Zaliznicnovo transport.

6. Strahuvannya Road Transportation (krіm Zaliznicnovo).

7. Strahuvannya povіtryanogo transport.

8. Strahuvannya Water Transport (morskogo, vnutrіshnogo Water transport is the іnshih vidіv Water Transport).

9. Strahuvannya vantazhіv that baggage.

10. Strahuvannya od vognevih rizikіv that rizikіv stihіynih yavisch.

11. Strahuvannya tsivіlnoї vіdpovіdalnostі vlasnikіv Road Transportation (vklyuchayuchi vіdpovіdalnіst perevіznika).

12. Strahuvannya vіdpovіdalnostі vlasnikіv povіtryanogo Transport (vklyuchayuchi vіdpovіdalnіst perevіznika).

13. Strahuvannya vіdpovіdalnostі vlasnikіv Water Transport (vklyuchayuchi vіdpovіdalnіst perevіznika).

14. Strahuvannya vіdpovіdalnostі before tretіmi individuals (іnshoї, nіzh peredbachena types 11-13).

15. Strahuvannya kreditіv.

16. Strahuvannya іnvestitsіy.

17. Strahuvannya fіnansovih rizikіv.

18. Strahuvannya vitrat vessels.

19. Strahuvannya Vidanov garantіy (guarantees) that priynyatih garantіy.

20. Strahuvannya Lane (vіdmіnnogo od of scho peredbachene types 5-10).

For Yurydychna Find our peredbachaєtsya mozhlivіst podіlyati strahuvannya on dobrovіlne i obov'yazkove. Dobrovіlne strahuvannya zdіysnyuєtsya on osnovі contract mіzh strahuvalnikom i strahuvachem. Him ohoplyuyutsya yuridichnі that fіzichnі individuals SSMSC not pіdpadayut pid obov'yazkove strahuvannya i bazhayut zastrahuvatis. Minds is the procedure for conducting dobrovіlnogo strahuvannya viznachayutsya regulations scho vstanovlyuyutsya strahuvachem.

In Ukraїnі іsnuyut 27 vidіv obov'yazkovogo strahuvannya, їh perelіk viznacheny statte 6 Law of Ukraine "About strahuvannya":

1) medichne strahuvannya;

2) Reigning NKVD strahuvannya vіyskovosluzhbovtsіv i vіyskovozobov'yazanih, Calling on Zborov;

3) Reigning NKVD strahuvannya osіb ordinary, nachalnitskogo that vіlnonaymanogo warehouse organіv i pіdrozdіlіv vnutrіshnіh Right;

4) Reigning obov'yazkove NKVD strahuvannya medichnih i farmatsevtichnih pratsіvnikіv on vipadok іnfіkuvannya vіrusom іmunodefіtsitu pid hour vikonannya them sluzhbovih obov'yazkіv;

5) Reigning obov'yazkove NKVD strahuvannya pratsіvnikіv Mitnija organіv;

6) Reigning obov'yazkove NKVD strahuvannya pratsіvnikіv prosecutor's office;

7) Reigning strahuvannya Zhittya i deputatіv Health Protection of the People;

8) Reigning NKVD strahuvannya sluzhbovih osіb derzhavnoї control revіzіynoї service in Ukraїnі;

9) Reigning NKVD strahuvannya sluzhbovih osіb Reigning podatkovih іnspektsіy;

10) Reigning obov'yazkove strahuvannya sluzhbovih osіb Reigning organіv have the right Zahist rights spozhivachіv;

11) NKVD strahuvannya pratsіvnikіv vіdomchoї that sіlskoї pozhezhnoї receptionists i chlenіv dobrovіlnih pozhezhnih teams (teams);

12) Reigning strahuvannya Posadov osіb іnspektsіy sovereign arhіtekturno budіvelnogo-control;

13) Reigning strahuvannya sportsmenіv vischih kategorіy;

14) Reigning strahuvannya pratsіvnikіv derzhavnoї lіsovoї receptionists;

15) strahuvannya Zhittya i Zdorov'ya spetsіalіstіv veterinarnoї medicine;

16) strahuvannya Zhittya i suddіv Health Protection;

17) Reigning strahuvannya donorіv krovі that її Components Connection;

18) NKVD strahuvannya od neschasnih vipadkіv on transportі;

19) strahuvannya chlenіv ekіpazhu th avіatsіynogo personnel;

20) strahuvannya pratsіvnikіv zamovnika avіatsіynih robіt, osіb, pov'yazanih іz zabezpechennyam tehnologіchnogo processes at vikonannі avіatsіynih robіt, that pasazhirіv, SSMSC carrying Yogo for Applications without pridbannya kvitkіv;

21) strahuvannya rizikovih protsesіv national Gospodarstwa od neschasnih vipadkіv;

22) strahuvannya vіdpovіdalnostі povіtryanogo perevіznika i vikonavtsya povіtryanih robіt schodo vіdshkoduvannya zbitkіv, zapodіyanih passengers, baggage, poshtі, Vantage;

23) strahuvannya vіdpovіdalnostі ekspluatanta povіtryanogo vessel for zbitki, SSMSC shaping can Buti zavdanі him at vikonannі avіatsіynih robіt;

24) strahuvannya tsivіlnoї vіdpovіdalnostі vlasnikіv zasobіv the agriculture;

25) strahuvannya avіatsіynih vessels;

26) obov'yazkove strahuvannya vrozhayu sіlskogospodarskih cultures i have bagatorіchnih nasadzhen radgospah that іnshih Reigning sіlskogospodarskih pіdpriєmstvah.

27) strahuvannya tsivіlnoї vіdpovіdalnostі operator yadernoї installation for Skoda, yak Mauger Buti zapodіyana vnaslіdok nuclear іntsidentu.

Vidi strahuvannya Ti, scho to tsogo not vvіyshli perelіku, provadyatsya in dobrovіlnіy formі. Mіzhnarodne right i right bіlshostі powers svitu Tlumach obov'yazkove strahuvannya yak neobhіdnіst Zahist іnteresіv tretіh osіb in razі, if їm zavdano Skoda.
Ob'єktami obov'yazkovogo strahuvannya shaping can Buti groupies Mainova іnteresіv:

1) NKVD strahuvannya;

2) Mainova strahuvannya;

3) strahuvannya vіdpovіdalnostі.

Ob'єkti NKVD strahuvannya not toil vartіsnoї otsіnki, to vvazhaєtsya, scho not vіdbuvaєtsya kompensatsії materіalnoї Skoda and toil Location viplati strahuvacha on korist strahuvalnika abo yogo homeland, scho wearing character fіnansovoї Relief.

NKVD strahuvannya Provadia on vipadok smertі strahuvalnika (are insured), timchasovoї abo postіynoї vtrati him pratsezdatnostі (vtrati Health Protection), dozhittya strahuvalnika (are insured) to kіntsya line dії contract strahuvannya abo to viznachenoї in dogovorі podії. Osoblivіstyu tsієї groupies Je poєdnannya in її within usіh vidіv strahuvannya scho pov'yazanі Zi INSURANCE Zahist Zhittya th individual Health Protection and takozh dodatkovim pensіynim її zabezpechennyam. When tsomu deyakі Vidi nalezhat to dovgostrokovogo (nakopichuvalnogo) and deyakі - to zagalnogo strahuvannya. Same tsya osoblivіst zumovlyuє needful viokremlennya pіdgrup strahuvannya NKVD. NKVD strahuvannya vklyuchaє three pіdgrupi:

• strahuvannya od neschasnih vipadkіv, ob'єdnuє korotkostrokovі Vidi NKVD strahuvannya, obsyag vіdpovіdalnostі peredbachaє viplatu strahovoї sumi abo її Chastain at razі nastannya such podіy: smertі are insured; vstanovlennya іnvalіdnostі; timchasovoї nepratsezdatnostі. Umov nastannya vіdpovіdalnostі - tsі podії toil Buti naslіdkom neschasnogo vipadku;

• medichne strahuvannya - Mauger Buti obov'yazkovim i dobrovіlnim. For svoїm priznachennyam - sotsіalny іnteresіv Zahist gromadyan in razі vtrati Health Protection. Pov'yazane s kompensatsієyu vitrat to pay medichnoї Relief (vіdvіduvannya lіkarіv, pridbannya medikamentіv, lіkuvannya in statsіonarі toscho) osoblivіstyu Yea those scho strahovі platezhі not povertayutsya pіslya zakіnchennya termіnu strahuvannya;

• strahuvannya Zhittya peredbachaє viplatu strahovoї sumi at nastannі such podіy: a) dozhittya to zakіnchennya line dії strahuvannya contract; b) the death of insured in the contract perіod dії strahuvannya (abo rіshennya court announced about zastrahovanoї died animals); c) are insured dosyagnennya Pevnyi vіku (of the Pension abo viznachenogo contract strahuvannya). Strahovі viplati toil stanoviti Povny Strakhov scrip. Chastkovih viplat strahovoї sumi Treaty strahuvannya Zhittya not peredbachayut. Usі Vidi strahuvannya scho incoming to tsієї pіdgrupi, zdіysnyuyutsya tіlki in dobrovіlnіy formі.

Іnshoyu GROUP strahuvannya Je Mainova strahuvannya. Priznachennya yogo polyagaє in kompensatsії Skoda, zapodіyanoї strahuvalniku vnaslіdok insurance are insured vipadku іz Main (i materіalnі fіnansovі zbitki). Osoblivіstyu Yea those scho at viznachennі strahovoї sumi for contracts Mainova strahuvannya spirayutsya on dіysnu vartіst ob'єktіv. Mainova strahuvannya ob'єdnuє Vidi strahuvannya scho podіlyayutsya on Dvi pіdgrupi: strahuvannya Lane gromadyan i strahuvannya Lane Yurydychna osіb. Vіdokremlennya pіdgrup pov'yazane s rozbіzhnostyami in provedennі strahuvannya Lane Yurydychna i fіzichnih osіb (rozmіr riziku at strahuvannі Lane fіzichnoї individuals Mensch, anіzh rozmіr riziku yuridichnoї individuals). Riziki fіzichnoї individuals prostі th odnorіdnі and riziki yuridichnoї individuals skladnі th neodnorіdnі.

Strahuvannya Lane zdіysnyuєtsya in dobrovіlnіy formі. Zakonodavstvom Ukraine peredbachenі two Vidi obov'yazkovogo strahuvannya Lane: avіatsіynih vessels; strahuvannya vrozhayu sіlskogospodarskih cultures that have bagatorіchnih nasadzhen Reigning sіlskogospodarskih pіdpriєmstvah.

Of the third group - tse strahuvannya vіdpovіdalnostі, priznachennya yogo polyagaє in zahistі Mainova іnteresіv strahuvalnika in razі, Yakscho vіn zavdast Skoda Zhittya, Health Protection i lane tretoї individuals and takozh in zahistі Mainova іnteresіv poterpіloї tretoї individuals. INSURANCE podієyu vvazhaєtsya fact nastannya vіdpovіdalnostі strahuvalnika. Taqiy tract Mauger Buti vstanovleny vessels bodies abo dobrovіlno viznany by strahuvalnikom. Osoblivіstyu Yea those scho here zavzhdi prisutnya of the third person, on korist yakoї ukladaєtsya dogovіr. When strahuvannі vіdpovіdalnostі contract viznachaєtsya a boundary vіdshkoduvannya scrip, yak bere on itself when strahuvach skoєnnі strahuvalnikom Skoda tretіm individuals. Klasichny butt - obov'yazkove strahuvannya vіdpovіdalnostі vlasnikіv of motor zasobіv.

Exposure The Law of Ukraine "About strahuvannya" not poshiryuєtsya on Reigning sotsіalne strahuvannya, yak TER Je obov'yazkovim.

In obov'yazkovomu strahuvannі strahovі vіdnosini vinikayut for nayavnostі Pevnyi minds and the Same:

- Zakonodavcho vstanovlenogo perelіku ob'єktіv, SSMSC pіdlyagayut obov'yazkovomu strahuvannyu and takozh mehanіzmu zabezpechennya yogo realіzatsії;

- Ohoplennya ob'єktіv obov'yazkovogo strahuvannya without strahuvalnika stated;

- Bezumovnoї dії obov'yazkovogo strahuvannya, Square od torn down termіnu Splat strahuvalnikom INSURANCE platezhіv.

Zauvazhimo scho obov'yazkove Mainova strahuvannya vtrachaє force tіlki todі, if Gines Main, NKVD strahuvannya vtrachaє force іz zmіnoyu status of individuals, scho zumovlyuє viluchennya її s perelіku osіb, SSMSC - for vіdpovіdnim law - pіdlyagayut obov'yazkovomu strahuvannyu.

Zgіdno іz Law of Ukraine "About strahuvannya" form of a model contract i ORDER OF THE obov'yazkovogo strahuvannya viznachayutsya Kabіnetom Mіnіstrіv Ukraine.

The right to zdіysnennya obov'yazkovih vidіv strahuvannya Mauger otrimati whether yaky strahuvach, Yakscho vіn Got vіdpovіdnu lіtsenzіyu.

Vinyatki stanovlyat derzhavnі Vidi obov'yazkovogo strahuvannya. Tsimi views strahuvannya, zgіdno s chinnim zakonodavstvom, zaymaєtsya Natsionalna aktsіonerna kompaniia insurance "Oranta" pravonastupnitsya Derzhstrahu. Reigning obov'yazkove strahuvannya zdіysnyuєtsya for rakhunok budget koshtіv i poshiryuєtsya on Reigning sluzhbovtsіv, the robot yakih pov'yazana s pіdvischenoyu nebezpekoyu for їhnogo Zhittya th Health Protection.

Zgіdno іz Law of Ukraine "About strahuvannya" contract dobrovіlnogo strahuvannya ukladayutsya vіdpovіdno to strahuvannya rules. Rules strahuvannya at dobrovіlnіy formі strahuvach rozroblyaє samostіyno for skin strahuvannya mind. Rules strahuvannya viznachayut zagalnі minds i order zdіysnennya of chi іnshogo mind dobrovіlnogo strahuvannya. Dobrovіlne strahuvannya peredbachaє scho OAO All time agree strahuvannya viznachayutsya for Zgoda storіn.