IC "Tiaki Bank Life Insurance": whakapaipai haumi, tikanga me ngā ture haumaru

Life Insurance - ko te tiaki o ngā ngākau nuitanga rawa o tangata hono ki tona ora, me te mate. Tenei wā roa-a ahua tāpiripiri o haumi. te mākete mō tenei whakahere mau piahi ngaio kore anake, engari ano hoki pütahitanga nama mahi, i roto i ngā Sberbank.

Mō te kamupene

whakaturia LLC IC "Tiaki Bank Life Insurance" i roto i te 2014. Ko reira he āpiti o PJSC "Tiaki Bank", e tohunga ana i roto i te tiaki o ngā tika rawa. I te tuatahi, whakaekea te kamupene he kaupapa rokiroki me te inihua haumi ora, ka reira hōtaka o tiaki noa o te hauora tangata '.

I teie mahana, ko te kamupene i roto i te toru runga i roto i te mākete. I roto i te 9 marama tuatahi o 2015 moni te rōrahi o utu ki te 30 piriona moni. O enei, 18 piriona moni. kohia i runga i inihua oro'a wā roa-a haumi. Rahui me ngā rawa e ono 55 piriona moni. me 63 piriona moni. aua.

kamupene inihua "Tiaki Bank Life Insurance" tuku ratonga tiaki:

• tetahi taonga o takitahi me hinonga ture, ki te kahore hoki waka me te mīhini ahuwhenua;
• taunahatanga ā;
• tūponotanga pakihi;
• tūponotanga pūtea;
• aituā;
• inihua hauora.

kaupapa

rere ukauka i runga i inihua ora i roto i te kaupapa māmā ko e whai ake.

hanga te policyholder utu marama e hāngai ana i runga i nga ngā o te kirimana inihua. te tikanga o tēnei i te kamupene mo te 10-20 tau, e tukua ki te haumi i roto i te tikanga ki te farii i te moni ā-tau o te 14-17%. He mea nui ki te ite tatau e utu kupu whakaari e kore he ōrau uaua (Vol. E. Ki te pōtae) te ture me te i te tukanga ahurei mohiotia nei ki te insurer anake.

taka ēnei moni ki roto ki te rahui tuatahi haumi e te i roto i te moni tāpui pēke, i roto i te taonga hea ranei. O nga hua roaa e pā ana ki 15-20% o te rāhui insurer ona utu katoa, me 80-85% o ngā rārangi kiritaki.

Ko te tikanga, e kore te haumi me penapena inihua hangaia mō te pai. E hangaia ēnei hua ki te whakarato āwhina pūtea i roto i te take o ngā raruraru hauora. hipokina hōtaka inihua oro'a taua tūponotanga:

- ora ki te mutunga o te kirimana;
- mate (mo tetahi take);
- te fariiraa i te rōpū tuatahi o te hauātanga.

He utu mō tenei hua i roto i te whānuitanga o 5-10% o te nui utu. whakawhirinaki ratou i runga i te tau (te tuakana te inihua, te nui te mōrea), (ora wahine roa atu i te tangata) te ira tangata, mōrea whakaturia rite ki te hōtaka kua tīpakohia (anake te mate, ora ki te penihana, tango o te hauātanga).

inihua Credit - te hua tūturu i runga i te mākete

Mai 2014, nga mua i te whai wāhi ki te whakakore i te inihua o te kiritaki taurewa. e kore e pai ki te whakaara reiti i runga i loans whakaaetia, no te mea ka pā te reira i te utu o te nama Banks. Ko te atu te ahua muri, te raro te taumata o te whakapaipai hāngaitanga. Ahakoa ki te ture e kore te mea kaupapa here inihua he tikanga matua mō te issuance o nama, i roto i te mahi, hoatu te reira rawa pakeke.

Ki te whakataki o menemana ki te ture i runga i nama kiritaki utaina ki runga ki te maha o amuamu kua heke rīanga. I runga i te tetahi hokona e te kaihoko pēke kaupapa here e tango 50-70% o te utu. Ko te puna nui o te moni tenei. Ehara i te mea maere e ngā kaiuru mākete ngaio he i roto i kore hohoro ki te hoki i te moni mo te ora, me te hauora inihua. Sberbank me ētahi atu whare moni nui ū tonu ki te tikanga o te hoko. Ko he rerekē te wā o te whakatau-hanga i roto i ia pēke.

I roto i te rua wiki i muri i te hainatanga o te kirimana te kiritaki kua te taea ki te whakamutu i te whakaaetanga e tareka e kahore ngaro haumi. He wātea ki ngā kaiwhakamahi o haumi, whakaeminga me hua tākai tēnei ratonga. Enei ture te tono i roto i "Tiaki Bank Life Insurance." E whakaaetia ngā tono anake i roto i te tuhi ki te peka whare pūtea. Ko whakaatu tatauranga e te hunga e hiahia ana ki te whakamutu i te mahi e kore e pera te nui - 3 anake%. Ko te tika tenei matua ki nga raruraru e kia whakatika ki te kiritaki ki runga ki te takanga o te hui inihua. Ko te take tuarua, ko te e tapaea kiritaki mutunga ki te tauākī taua te kamupene.

He aha te take e memeha?

Company "Tiaki Bank Life Insurance", me te tetahi atu wāhi mākete ngaio taea hoki te nui katoa utua e te kiritaki i mua i tika tomo te tiriti ki te kaha. Kore, te insurer tetahi hopearaa tāke. Ko te ara anake ki te karo ia ratou a i te wa ano ū ki te whakaritenga ture - ki te faataime i tēnei wāhi. tohu te kiritaki te kirimana, utu kaupapa here, engari e te ratonga pānga i muri i te ia.

Te āhuatanga i roto i te mākete inihua

Hei ora i te moni utua mo te Insurance kaupapa here "Home Credit Insurance", "Renaissance Insurance" ranei "kiritaki kamupene inihua rohe 'taea hoki HCF-Bank. Ki te puta ke te kiritaki tona whakaaro i roto i te 30 ra i muri i te rēhita o te kirimana, ka taea e te tiki ia 100% o te utu o te inihua. E hoki mai ki te pūkete, ka tonoa tonu ki utu i te pūtea tārewa. Na roto i te kore here ki te moni kaupapa here rīanga taurewa e kore e taea te whakahokia.

patua ana te ratonga rite te "Promsvyazbank" me "BIN". Otiia i roto i rua ngä pütahi nama hea refunds iti. "Alfa-Bank" whiwhi rite ki te hanga i te tūemi i roto i ngā kirimana rīanga tūao noa, engari kei te haere i te reira ki te whakarato i te kiritaki ki te whakaaro o 14 maramataka ra. Ko "VTB 24" SSR "Bank o Moscow", me "BKM Discovery" e kore e whakaaro i te kōwhiringa taua.

ōrau iti o te inihua nama-kore - ko te täkupu. Ki te whakaritenga whakanui ake mō ngā kaitono e, te whakaiti i te tono mō te pūtea taurewa, taea tenei kōwhiringa ngā kiritaki hou. e kore te mea ti'aturi i runga i te oraraa o te kaupapa here "Cooling atu wā" whakaratohia e te tahataha, ko tona moni auau i runga i pūtea taurewa, me hoki e kore te kōmihana i te hoko o ngā kaupapa here inihua ko te puna matua o te moni. Ka whakapai ake i tenei kōwhiringa te whakapakoko o rua te pēke, me te kamupene inihua, ie. A. Te whakaiti i te tūponotanga o te kerēme.

Sberbank: inihua ora ki te mokete

kaitono Potential paanga i roto i te pātai o te tiaki o te ora, me te hauora, ka tono mo te taurewa mo te hoko o te whare ki te tautoko kāwanatanga. mahi ēnei hōtaka i te auau huamoni iti o te 12%. Ki te mea kua pai te kiritaki ki te puta inihua ora, te moni o te pēke nui haere e 1%. O te akoranga, ka taea e te tiki e koe he moni mo te mahi, a whakaritea i roto i te wā hōtaka, engari ara i roto i tenei take, ka whakanui i te auau ki te 13%. Ko te taua pā ki te mutunga whakahou-kore o te inihua mo te tau i muri mai ranei. E rai enei tikanga katoa i roto i te whakaaetanga taurewa.

Heoi, rīanga tūmataiti kua roa kua kitea hei ara atu ki te tukinotia moni i te kiritaki. te atu katoa na ka reira he whakaaetanga i runga i te tiaki o ngā ngākau nuitanga rawa e taea te whakarite i te mokete i 11.4%. Ko reira he maha ngā pātai e pā ana ki te ngā o te mahi. Ko te meka e taea te take mahi kia anake o "Tiaki Bank Life Insurance" mo te auau makona nui o 1% o te nui taurewa. Ko, ki te hoko i te kiritaki i te fare no te 3.5 miriona moni., Hanga he utu ki raro o 1.5 miriona moni., Te nama e te reira 2 miriona moni. Ko te moni inihua mo te tuatahi o nga tau o te wera i roto i o 20 mano. Miria.

Otiia i roto i te mooni?

Mau māmā ki te inihua te ora o tetahi kamupene Kaituku e te pēke. I roto i te mara, kaiwhakahaere hiahia ki te pupuri i puku e pā ana ki reira mo te ngā take: i haua ki te moni rauemi o kaimahi. Kimihia atu te mea i ētahi atu kamupene mahi tahi kautaha fakapa'anga, taea e koe i te tari. paetukutuku. inihua Life ki te mokete i te Tiaki Bank taea te tukuna i roto i 16 kamupene: "Hanga", "Absolute Insurance", "VTB Insurance", "SOGAZ", "Zetta", "RESO", "Ingosstrakh", "Rosgosstrakh", "NASCO" "Renaissance", "bet", SF "Tamutu", "Siberian Crane", "Spassky kuwaha", "REGIONGARANT" CO "Surgutneftegaz". kia rerekē reiti ake ki raro ranei. Ki te kore Sberbank kaimahi ki te farii i te kaupapa here taua, ui ratou he kore oti te tuhituhi.

Investment painga o te inihua

Investments Program moni i te kamupene "Tiaki Bank Life Insurance" tuku ratonga i te tiaki i haumi ki te haumi ki ngā rawa i runga i nga mākete Russian, me te ao. hopoi mai tāpui Bank he moni eu, engari iti. whakahere moni Mutualé he whai wāhitanga moni atu whakaongaonga, engari i mōrea nui, me te arata'iraa i oho ratou ki te pūtea atu mātanga. Na reira, te whakanui ake i te painga o te hōtaka haumi o te Company Insurance "Tiaki Bank Life Insurance." arotake Kiritaki whakau tenei.

tikanga

IC "Tiaki Bank Life Insurance" kua i roto i tona aho o ngā hua haumi. A, no te aufauraa i te takoha o te moni whakahaua ki nga mea puāwaitanga (putunga pēke, here kāwanatanga), ka haumi i te toenga i roto i rawa kiritaki tīpakohia. Heoi, i raro i tenei hōtaka taka te mōrearea o te taenga-kore o te moni i runga i te kiritaki. taputapu tūpato he tohu anō o "Tiaki Bank Life Insurance." Moni, ranei, kaua ki te nui haumi tuatahi, ka riro te kiritaki, tae noa ki te tīpakohia ratou te tino uara te rawa.

Ko te hōtaka wā roa-. kia whakamutu i te kiritaki te wā o te kirimana ki te hiahiatia. I roto i tenei take, ka riro te reira i te nui whakaoranga. Nga ngā mākete me ngā heke tonu kē. Chance ki te tiki i te moni teitei i roto i te wā-waenga. Ka taea e ngā āhuatanga mākete angitu huri i tetahi wa. I muri i te rua ranei e toru nga tau, ka taea e koe te huri i te rawa waiwai, kahore tetahi whakataunga i muri i te tīmatanga o te haumi.

e kore te IC "Tiaki Bank Life Insurance" hua haumi i roto i tona aho tūnga hei kē ki te putunga. Kei te hāngai te reira i kiritaki e whai kē te moni tāpui i te pareparenga, hipoki te moni toru marama. Tupu i roto i te ora e taea tupu. A, i roto i o te haumi wā roa-e tika ana ki te mate rangitahi o mahi me utu huakore. Otiia hoki ki te pupuri i te mea he ano hoki te pūtea ā-tau o te pareparenga i runga i tiakina. I roto i taua kia riro te investor te moni i roto i te whiwhi moni atu.

Just i roto i te wa mo te taua hōtaka haumi iwi-hāngai. Ka taea e te kiritaki te whiriwhiri i tetahi rawa i roto i nga hokohoko Russian, me te ao. Ano, ko te whai wāhi o te hōtaka kua tetahi painga nui - riro taake pai o te moni. E tika ana ngā kiritaki e kua mutu te kirimana i roto i te Tiaki Bank Life Insurance mo te wā o e rima tau ki te whakataunga o te tāke whiwhinga moni whaiaro. i ako te tāke kei te anake i runga i te wahi e nui te moni o te auau refinancing.

International Health Insurance

"Tiaki Bank Life Insurance" kamupene tuku ona kiritaki he hua hou mo te tiaki o mate tino ki te taea ki te whakamamaetia ki waho. Tenei ka tukua kiritaki ki whai hua i te wheako o tohunga o nga haumanu ārahi o te ao, me te hipoki ai i te utu o te whakarato tiaki hauora i roto i te maimoatanga o mate kino, whakanohonoho, whakamātautau ārai, whiwhi i te whakaaro mohio hauora. Ko te painga matua o te mahi - he whānui o tūponotanga, whenua ngā wahi e taea te tukinotia e koe, me te mahi hou.

inihua hauora International taea ki a koe te tiki i te tauturu i roto i ngā āhuatanga i reira e kore e mahi VHI paerewa: mate pukupuku tiaki, pokanga, whakanohonoho i muri i okana transplantation. E whakarato ana te hōtaka mō te pupuri profobsledovany ki waho. hipokina hoki te kaupapa here maimoatanga o mate e kua kitea i roto i te kiritaki ki te aroaro o te mutunga o te kirimana (engari e kore e mua atu i te 2 nga tau), me te i te mutunga o tona wā. I tua atu, ka taea e te kiritaki hoko atu pōkai noa atu.

inihua ora nama International (Sberbank) taea kiritaki ki te farii i maimoatanga i roto i ngā hōhipera ārahi huri noa te ao:

• i roto ia Germany, e Iharaira, Spain, Turkey, Russia - maimoatanga mate pukupuku me te pokanga;
• i roto i tetahi whenua - transplantation;
• i roto ia Iharaira - te whakanohonoho me te fariiraa i whànau.

Ko te huarahi o "whakakotahi katoa" i roto i te hōtaka inihua kore whakarato riro anake utu, engari ano hoki he mahi ki te whakahaere o te tukanga maimoatanga, tere o te kiritaki, me te tona puoro. Ko huri noa te karaka ratonga taumata-tiketike. Tuatahi, i mua, i roto i, me te i muri i te maimoatanga whakarato tohutohu hotline. Tuarua, i roto i te utu ngā te utu o te haere rangi mo te kiritaki me tona whare hauora tahi ki waho. I roto i te mau taime o te mate nui tokoni hinengaro nui.

wā hōtaka ko te 5 tau. Here whakaratohia hoki te taea o te whakahou ā-tau o te kirimana. Ko te rohe ā-tau o te moni inihua ia tangata he $ 1 miriona ki te taea o te 'reatoru. No te mea o te rohe matawhenua whānui o te kaupapa here puta te anake i roto i te US tāra. Ko te tau mōrahi o te kiritaki - 65 tau. He hōtaka maitai mō kiritaki e whai he kirimana mo te whānau katoa, arā, o te 5 i te mau melo.

Insurance Arata - he hua hou i runga i te mākete

Arata - Ko te huru i te kēmu hou pūkoro Arata Haere. I hangaia te reira i kore anake ki gamers, engari ano hoki nga peeke. "Roketbank" ko tetahi o te tuatahi nei whakarewahia he kai wero hōtaka inihua Arata. Hoki "hao" i te manga pareparenga riro cardholders pūāhua 50 moni ki te pūkete bonus.

Tenei i herea ai piri tata Sberbank. I wahia e ia te paetukutuku motuhake mo nga kaitākaro ki te wāhitau o 28 waeine, te kukume pūāhua cartoon. Te titau whakahaere o te whare pūtea e ka e taea ki te kukume peka gamers tākare te puna. Ki te, i roto i te hopu o tetahi o te kiritaki pokemon whara te, ki te SC kamupene "Tiaki Bank Life Insurance" utu ia i te inihua mo te nui mōrahi o 50 mano. Mirimiria. Ka taea te tuku tika tono mō te whai wāhitanga i roto i te hōtaka i te pae.

Ki atu gamers moni, mau Sberbank pakanga "hono ngā wā katoa". Ka taea e kau ma'u Kāri whakahohe "Avtoplatezh" tae noa ki August 18, recharge i te iti rawa kotahi - me ka na roto i te hopu institution pokemon nama ka utu i te kaitākaro 500 bonus, "Mauruuru koe." I tua atu, ka hiahia te kiritaki ki te unga i te Whakaahuamata me te tau waea pūkoro i roto i te hapori PM Sberbank i runga i Facebook "VKontakte" ranei.

"Tinkoff Bank" whakaekea ona hea ki te tikanga. Ia kiritaki, te tono hoki te kāri nama Tinkoff Google Play, ka utu i te moni institution 2000 mōhio. Ka taea e ratou te utu mo tetahi hoko i roto i te toa ipurangi, tae atu ki te kēmu Arata Haere (1 ira = 1 RUPO). Game, a pera whakarato he gamers moni-hoki i runga i hoko katoa o Google Play (10%), wharekai (2%) me mo te tahi atu hoko katoa (1%).