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Strahuvannya - Osadets SS

8.2. Zmіshane strahuvannya Zhittya

One іz naypopulyarnіshih vidіv NKVD strahuvannya Je zmіshane strahuvannya Zhittya. Vono daє zmogu poєdnuvati in one dogovorі i one lady strahuvannya kapіtalu on vipadok dozhittya to zakіnchennya line strahuvannya i strahuvannya kapіtalu on vipadok smertі od whether yakoї reasons. Otzhe, zmіshane strahuvannya Zhittya poєdnuє in sobі two riziki, SSMSC superechat single one: s one side - dozhittya to pevnoї dati abo podії and іnshogo s - death. Prote factuality mother Mauger deprivation is one rizik Location: Person of abo before they reach kіntsya dії contract ni abo. Strahuvalnik, yaky ukladaє dogovіr zmіshanogo strahuvannya Zhittya not tіlki zabezpechuє th stvoryuє nakopichennya. Vіn Got vpevnenіst in fact scho in whether razі Money Does not vtratit svoїh vneskіv.

Minds agreement strahuvannya Mauger peredbachatisya vіdpovіdalnіst insurers are insured i at vtratі Zdorov'ya od naslіdkіv neschasnogo vipadku. Enabling insurers to vіdpovіdalnostі vіdpovіdalnostі for naslіdki neschasnih vipadkіv spriyaє zbіlshennyu rates.

Yak rule, zmіshanomu strahuvannі Zhittya strahuvalnik, yaky splachuє vneski, i is insured Je odnієyu th tієyu samoyu individuals.

Treaty zmіshanogo strahuvannya Zhittya dovgostrokovі th ukladayutsya on rіznі for trivalіstyu line. Napriklad in Ukraїnі, yak pokazuє practice, the contract zmіshanogo strahuvannya Zhittya mozhut ukladatisya on lines 3, 5, 10, 15 i 20 rokіv. When ukladennі contract strahuvannya vrahovuєtsya vіk are insured. Vіn becoming od 16 rokіv. Vodnochase insurance kompaniia Mauger i vstanoviti Mensch Pochatkova vіk start at strahuvannya. In Russie, napriklad at ukladennі contract strahuvannya Zhittya s minds viplati strahovoї Renty insurers proponuєtsya vstanovlyuvati yogo not Mensch yak 14 rokіv.

Minds strahuvannya obmezhuyut i Maximum vіk for ukladennya strahuvannya contract. Tse takozh obmezhennya obumovlyuєtsya INSURANCE kompanієyu, yak vstanovlyuє, napriklad scho dogovіr zmіshanogo strahuvannya Zhittya Mauger Buti ukladeny strahuvalnikom, yak Perche nіzh Yomou vipovnitsya 72 prophets. Together іz obmezhennyam mіnіmalnih i Maximum vіkovih between Priya on strahuvannya chіtko vstanovlyuєtsya i vіk are insured for an hour zakіnchennya dії strahuvannya contract. Vrahovuyuchi scho mіnіmalny lines on yaky ukladayutsya Treaty strahuvannya Zhittya in Ukraїnі, yak already zaznachalosya, becoming 3 Rocky strahuvalnik, vіk yakogo Je Maximum of minds strahovoї kompanії, Mauger deprivation uklasti dogovіr 3 Rocky. Skazhіmo, Yakscho for minds strahuvannya Maximum vіk strahuvalnika at ukladennі treaty becomes 72 prophets, at the time the contract zakіnchennya strahuvannya Yomou not guilty Buti yak bіlsh 75 rokіv.

When ukladennі contract strahuvannya vazhlive values ​​Got i stan Zdorov'ya strahuvalnika, oskіlki Treaty strahuvannya, yak usually not ukladayutsya s nepratsyuyuchimi іnvalіdami the I groupies. Mozhut Buti peredbachenі th INSHI obmezhennya (stosovno іnvalіdіv II groupies, ailing onkologіchnimi, serious hronіchnimi zahvoryuvannyami abo on SNІD).

For ukladannya contract strahuvannya person, yak Got Namir zastrahuvatisya, podaє in insurance kompanіyu vstanovlenoї Claim form. Strahuvalnikovі nadaєtsya right viznachiti lady (osіb), yak Got the right to win a bag of Strakhov, Yakscho are insured died. Krіm of priznachena strahuvalnikom person Mauger Buti him zamіnena іnshoyu until one nastannya insurance vipadku.

Strahov scrip vstanovlyuєtsya at ukladennі contract strahuvannya strahuvalnikom, ale insurance kompaniia Mauger obmezhiti її vstanovlennyam mіnіmalnoї strahovoї sumi. Strahuvalnikovі Mauger Buti Nada right pid hour dії contract strahuvannya for Zgoda insurers zmenshiti abo zbіlshiti rozmіr strahovoї sumi. When tsomu in dogovіr strahuvannya making vіdpovіdnі zmіni.

INSURANCE vnesok, yaky Got Booty splacheny strahuvalnikom strahovіy kompanії, deposits od rozmіru strahovoї sumi i tarifnoї rates yak in its Cherga, deposits od string strahuvannya i yogo varіanta (Yakscho insurance kompaniia proponuє strahuvalnikovі mozhlivіst Vibor) vіku strahuvalnika, i Got Booty splacheny at one time, schorіchno, schokvartalno schomіsyachno gotіvkoyu abo abo bezgotіvkovo.

Exposure The contract strahuvannya pochinaєtsya s the day, if strahuvalnik Splat Purshia (disposable) vnesok gotіvkoyu pratsіvnikovі strahovoї kompanії abo s day nadhodzhennya vnesku on rakhunok ustanovі insurer in the bank. In razі, Yakscho to the line established in dogovorі strahuvannya, insurance vnesok (povnіstyu abo from viznachenіy chasttsі) not bude splacheny (not bude splacheny povnіstyu) dogovіr strahuvannya vvazhaєtsya nedіysnim i strahovі vneski, SSMSC nadіyshli, povertayutsya strahuvalnikovі.

Fact ukladennya contract strahuvannya zasvіdchuєtsya INSURANCE polіsom (svіdotstvom). In insurance lines polіsі vkazuyutsya dії contract strahuvannya, yogo cob i zakіnchennya, insurance scrip, rozmіr insurance vnesku and takozh person (individual), yak in razі smertі are insured Got the right to win a bag of Strakhov (vigodonabuvach).

Over the minds contract strahuvannya strahuvalnikovі nadaєtsya right dostrokovo pripiniti dogovіr strahuvannya. In tsomu razі strahuvalnik oderzhuє vikupnu scrip, yak deposits od rozmіru splachenih INSURANCE vneskіv i line dії contract strahuvannya s urahuvannyam іnvestitsіynogo income. Vodnochase strahuvalnikovі nadaєtsya mozhlivіst ponoviti dogovіr strahuvannya, Yakscho scrip vikupna not bula Yomou viplachena i dogovіr strahuvannya not zakіnchivsya slit.

When dozhittі are insured up zakіnchennya dії strahuvannya insurance contract kompaniia viplachuє Yomou obumovlenu dogovorі Strakhov in the bag. Viplati, SSMSC boule pov'yazanі іz naslіdkami neschasnih vipadkіv pid hour dії agreement not to vplivayut її rozmіr.

Yakscho protyagom dії contract are insured died, Tse takozh Tyagny yourselves obov'yazok insurers viplatiti obumovlenu dogovorі in the bag. Ale insurance kompaniia not Nese vіdpovіdalnostі s viplati strahovoї sumi, Yakscho death zastrahovanoї special steel protyagom Perche 6 months at dії agreement od zloyakіsnih puhlin abo Sertsevy-sudinnogo zahvoryuvannya. Strahov kompaniia not Nese vіdpovіdalnostі i vipadku in fact, if the death of the individual zastrahovanoї Je naslіdkom skoєnnya umisnogo zlochinu abo pov'yazana іz keruvannyam transport them from zasobom stanі alcohol, narkotichnogo abo toxic sp'yanіnnya, samogubstva toscho. Viplachuvana in tsomu scrip vipadku deposits od factuality splachenogo vneskami perіodu strahuvannya day smertі are insured.

Yakscho treaty strahuvannya vstanovleno vіdpovіdalnіst insurers when poshkodzhennі organіzmu strahuvalnikom vnaslіdok neschasnogo vipadku then viplata at tsomu becoming Chastain strahovoї Sumi, yak deposits od stage vtrati Health Protection. Vіdsotok loss Zdorov'ya viznachaєtsya for spetsіalnoyu table, yak rozroblyaєtsya INSURANCE kompanієyu. For pіdtverdzhennya fact neschasnogo vipadku i yogo viznachennya naslіdkіv strahuvalnik Got tribute to strahovoї kompanії dovіdku lіkuvalnoї install. Povny insurance scrip viplachuєtsya 100% -voї vtrati zagalnoї pratsezdatnostі od neschasnogo vipadku.

When dozhittі to zakіnchennya line strahuvannya abo at vtratі Zdorov'ya oderzhuvachem strahovoї sumi Je insured person for abo її doruchennyam, decorated in notarіalnomu order іnsha person.

In vipadkah, are insured if he died before the obsession for dozhittyam strahovoї sumi, abo at zv'yazku іz vtratoyu Health Protection, insurance scrip viplachuєtsya priznachenіy him osobі chi spadkoєmtsyam, Yakscho stink not to prichetnі yogo smertі.

Minds agreement zmіshanogo strahuvannya Zhittya Mauger Buti peredbachene i right strahuvalnika on obsession poziki in rozmіrі, scho not perevischuє vikupnoї Sumi, yak obchislyuєtsya on pіdstavі reserve, preformed for vikonannya insurers zobov'yazan s viplati in zv'yazku іz vipadkom dozhittya the insurance are insured up to the line zakіnchennya strahuvannya, at the time vidachі poziki. In tsomu razі viznachaєtsya perіod, s yakogo pozika taka Mauger Buti species, napriklad, one pіslya od roku cob dії strahuvannya contract.

To obsession strahovoї sumi strahuvalnik Got tribute to strahovoї kompanії said that the insurance polіs kvitantsіyu about Splat ostannogo vnesku, Yakscho vіn CCB splacheny gotіvkoyu. Krіm of vіdpovіdno to a specific insurance taxes vipadku neobhіdno th INSHI documents.

In razі nastannya smertі strahuvalnika vigodonabuvach abo spadkoєmets Got tribute to strahovoї kompanії kopіyu svіdotstva about death strahuvalnika, posvіdchennya svoєї individuals abo svіdotstvo about spadschinu. Viplata strahovoї sumi zdіysnyuєtsya on osnovі Claim strahuvalnika (vigodonabuvacha, spadkoєmtsya) i insurance act in line viznachenі zgіdno s ukladenim contract strahuvannya, gotіvkoyu, Poshtova perekazom, check for sumi obsession in the jar, pererahuvannyam have contributed to іm'ya oderzhuvacha.