Insurance o kaimahi ki ngā aituā: āhuatanga me ngā whakaritenga

I tēnei wā, whakaaro rīanga te ki te waiho i te vahi, e tiaki i te momo o huru. Kei te hanga te mahi mo te rawa, pakihi, me te ora. Insurance ki ngā aituā ki te tiaki i te ngākau nuitanga o te iwi i roto i te take o ngā aituā, me te tahi atu ohorere.

ariā

Ngohe i maha ngā wāhi o te hanga he kino ki te tangata, na kaimahi inihua ko te akiaki ia. Ka taea e Sam kaiwhakahaere production inihua reira rite tona taonga. Ki te kahore he he aituā, he kaimahi e tango te rangatira utu ranei.

Ka tiaki tenei mahi te ngākau nuitanga o te aituā, no te mea o nei i reira ko kino ki rawa, te hauora ranei te ora. mahi rāngai Insurance i runga i te pūtake o te tau Federal Ture 125 tuhia 1.01.2000 tau.

momo

Kei te tahuri iho Insurance ki aituā i te mahi ki:

• mo whakahauanga;
• tūao.

Me whakarato Heads o kamupene te inihua kaimahi taunahatanga. Hoki tenei, haere ia ki te Insurance Fund Social, ka e wā e utu i tika ki. E kore ai te hui inihua e he aituā, engari ano hoki mate, wharanga, i puta ake i te tikanga anake.

inihua Tūao mō ngā kaimahi he tika ki te whakatika i te mau hapa i roto i te ture. Ki te whakaae te kaiwhakahaere ki te puta i te taua ratonga, ka whakanuia ana te reira i te pono o te kamupene. Ki te mahi i tenei, whiriwhiri he kamupene inihua.

Hoki nei Ko mātua inihua?

he tika inihua whakahauanga ki te tiaki i nga ngākau nuitanga pāpori me te rauemi:

• ka hauātanga;
• hauora kino;
• mate.

Me utu te reira i runga:

• mata, whakarite i raro i te kirimana whiwhinga mahi;
• tangata e kua riro te mate kino ranei, ki te hauora;
• mau me te te raveraa i te ohipa.

inihua pāpori

inihua pāpori mō kaimahi i roto i te hanga he āki i Russia. Regulates te whānuitanga o te tau ture 125. Ko te mahi he tika mo te hunga iwi e mahi i raro i te kirimana mahi, kia rite ki te pai kia rite ki mo nga tangata mau mahi i roto i te ahumahi.

Ture ki policyholders ngā:

1. kamupene Russian me ke whakahaere i roto i Russia.
2. SP, faaoti ki te whakaaetanga kaimahi me tiriti.

whakaaro te insurer te Insurance Fund Social. Ko e tika ana ki te utu ā-marama o te kaituku mahi mo ia kaimahi tōna pūtea. whakapumautia te nui o takoha kei i runga i te pūtake o te utu.

I roto i te Art. 8 o te Ture Federal kī e kua pau moni:

• hoki painga e tika ana ki te hauātanga;
• utu mō te mate;
• utu mo te maimoatanga, hoko o ngā rongoā, hanga.

inihua tūao

kawea inihua ora Tūao o kaimahi i roto i runga i te pūtake o te ture whakatakotoria iho i roto i Art. 934 o te Code Civil. Ngā o te mahi tahi whakapumautia e nga rōpū o te kawenata, mutu i waenganui i te kamupene me te tangata. kia ka te kaimahi utu utua i roto i te take rīanga. Takoha utua e te kaituku mahi.

whakaaro inihua Tūao o te kaimahi e te kaituku mahi te ki hei tautoko rauemi i roto i te faaineineraa o te whara whaiaro i roto i te mahi o ta ratou mau ohipa. Painga ngā te kaha ki te whakatau:

• tikanga;
• e pā ana ki whakatakoto moni;
• ture me te nui o utu;
• ngā o inihua.

Ngā & Here

A, no te mahi i kaimahi inihua, e hiahia ana koe ki te pānui i, he aha take e whakaaro e te inihua. pea te āhuatanga tenei:

• hauā rangitahi;
• whara tika ki te aituā;
• whiwhi hauātanga;
• whara hohotahi ki te ora.

hui Insurance Ko te āhuatanga ka whara te kaimahi i runga i te waka ratonga ka haere ki te mahi ranei hoki mai te kāinga. Otiia e kore e tetahi o ratou:

• infliction whakaae o te whaiaro whara-;
• mahi mahi ture;
• whakamomori;
• whakapataritari aituā.

e kore te kino Non-moni ngā i roto i te kāwai o "take inihua".

Ko te tika me te herenga o te kaituku mahi rite te tiai haumarutanga

E tika ana te kaituku mahi, me te tangata inihua ki:

• whiwhi mōhiohio i te Fund;
• te fariiraa i te tikanga o te manatoko o ngā tuhinga whakapaunga;
• tiaki o te ngākau nuitanga i roto i te marae.

Hoki kaituku mahi kawenga ngā:

• tohatoha pūtea;
• whakamōhio i te Tahua o aituā;
• whakamōhiotanga o te huringa o hōkai o te kamupene;
• whakamōhio kaimahi e pā ana ki te taea o tona faafariuraa ki te Tahua;
• whakahokia ki te kahore i utua nga takoha.

whakaaro inihua wā te ki hei wāhanga o te kawenga. E whakarato ana i te haumaru e tika ana, me ngā āhuatanga mahi i roto i te wāhi mahi. Reira te whakaiti hoki te maha o ngā aituā, mate mahi.

utu

Ki te whakaōkawatia inihua kaimahi, ka whakatakotoria te hui inihua utu:

• utu pae tino mo te wā o te hauātanga;
• utu kotahi-wā;
• utu ā-marama;
• Survey o utu.

utu whakaauraki ngā:

• maimoatanga;
• hoko o ngā rongoā;
• ratonga kaukau;
• te hanganga o prostheses;
• te hoko o waka;
• ritenga;
• utu haere.

A, no te whakaratohia te mate o te utu kaimahi te whānau ranei whanaunga. te tikanga whai wāhi rīanga Tūao o kaimahi o te whakahaere whiwhi tiaki noa hauora mō te maimoatanga.

Pricing

Mahi i te reira 32 tariffs inihua rerekē tūponotanga o ngā mōrea i mahi. Kōwhiri ratou i runga i te kaupapa o te kamupene. kia reiti Insurance i roto i te whānuitanga 0,2-8,5%.

Fund inihua

whakarato ana tēnei whakahaere inihua herea o kaimahi ki ngā aituā. E utua reira utu ki te iwi. e kore e taea te whakakapi i te pūtea e tetahi kamupene inihua. Hoki utu utu ranei he tika ki te tuku i te tuhinga e whai ake nei:

• pūrongo aituā pepa ranei e pā ana ki te mate;
• tuhinga i runga i te moni toharite;
• te haamauraa o te momo o te whakanohonoho;
• mihi o te mahi ōkawa;
• tiwhikete mate;
• hua o te whakamātautau;
• I te pae hopea, tohungatanga hauora me te pāpori.

ka kape e tohu e te rōia. whakaaro Insurance te he tikanga o te tiaki i te kaimahi me te kaituku mahi. Ki te mea e tika ana, whakaiti i te maha o ngā aituā, me te he taurangi e ka whakaratohia te utu e tika ana.

inihua hōmai

inihua penihana herea mō kaimahi whakarite te tiaki o ngā tika tangata '. A reira pā hoki ki iwi ke e noho ana i roto i Russia. whakaaro inihua tūao te ki he tua ki reira, i te mea he tiaki atu pono. Ko te ratonga e āhei ki a koutou whakaemi moni mo te hanganga o te penihana a muri.

tukuna inihua tūao te i runga i te tono. I waenganui i te rōpū, ko te kirimana i roto i i whakatakotoria te rahi kei te me te mau parau tumu o te aromatawai. Ki te taua ratonga tūmanakohia te penihana tika. kawea inihua tūao te roto e ngā kamupene. e kore e moni tāpiri-pūtea e pā ana ki te hanganga o moni.

Ka taea e ia kaimahi te whiriwhiri pai ana tariffs me ngā ratonga. i hanga te penihana e tika ki takoha i hanga i raro i te kirimana. Kairīanga aroturuki i te fakahoko kakato me te wā o herenga. Hoki te kore ki te whakarite i te tikanga e whakaratohia ana mō te hopoi'a.

Kairīanga o te taua mahi he:

• kamupene;
• moni tūmataiti.

NPF - hinonga Non-pai e kua whai wāhi i roto i te whakahaere inihua tūao (Article 2 o te Ture Federal № 75.). pea te whakahaere kiritaki te tangata tūturu. Ka Investor i roto i tenei tauwhitinga kia inihua. Ko ia te tangata e whakawhiti ai moni.

mutu te kirimana kei waenganui i te rōpū. Tenei whakaaetanga, hoatu rite ki nei te utu atu moni i hanga e te utu. Ki te ko te tangata tūturu o te painga, kia ngā te utu te whai ake:

• penihana;
• moni puranga;
• nui te whakaoranga.

Ki runga ki whakamutunga o te kirimana e kore e taea e te rōpū tuatoru taau mo te utu. whakatika Taunahatanga ki te take inihua tuatahi. Ka poroa te kirimana ki te ko nga herenga o ngā rōpū e rua makona.

He he torutoru rerekētanga i te DPS o inihua herea:

• Kei te whai kawenata tuatahi, me te tuarua - te State;
• I roto i te take tuatahi, e hiahia ana koe, me te tuarua - he tika;
• o mahi tūao, ka taea e koe te whiriwhiri i te utu me te tikanga o ngā utu me te reiti, me te turanga pupirikana whakapumautia e ture Ops;
• ki DPS, ka taea e koe te whiriwhiri i te kamupene, a i roto i te take tuarua, kei te whakawhiti te moni ki moni extrabudgetary;
• Kua hanga pūtea NPF te hanga i haumi me putunga, me moni kāwanatanga whakawhetai ki takoha e te kaituku mahi;
• ratonga tūao Ko te kaupapa nui o te mahi, me mātua - tāke me te auau.

State ki te whakarato inihua herea. He mea tika ki te utu mo te maimoatanga o te tangata, te utu o penihana me ngā tahua. tīpakohia te tūao rite e hiahiatia ana, a taea anake te tuku i te reira ki te wā motuhake. He nui ngā ratonga rua, na ka hiahia ratou ki te hoahoa tahuri ki te taipitopito.