He aha ka ka - franchise lapaʻau?

He aha hoʻi ka lapaʻau 'ole lapaʻau mea?

He He kekahi ʻano o oicyenoaaiiie pili, nona ma ka pale 'ana i ka waiwai pono o na kanaka, mai kekahi mau pilikia. Insurance hana nā hulina lapaʻauʻaoʻao pale, oia hoi o ka hapanui lapaʻau a me reinsurance ma ka palahalaha ano o ka makahiki. A elue no ka hana o ka lapaʻau poe o ka laikini 'o ka lapaʻau hope. Laikini, e haawi ana i ka pono, e lawe lapaʻau, i ke kumu o ka solvency o ka lapaʻau poe ma ka lilo o ka mea i hana i ka pono lapaʻau me ke koe no o ka manaʻo o kekahi a me kekahi 'ano o ka lapaʻau no ka wā e hiki mai lapaʻau uku. I keia manawa, Rusia i keʻano papa hana, i ka loaʻa o ka laikini 'o ka lapaʻau hana, kakau o ka hoʻonohonohoʻia, insurers a me ka mana hoʻomalu ma luna o ko lakou mau hana, lawe mai ma ka lapaʻau hooponopono. A pau i kēia hui i malama i ka pono o policyholders. Laikini 'o ka lapaʻau hana i loko o Rusia aʻole i kekahi kapu ma ka makahiki o kona hana, ina ka mea, ua ole ua hōʻike hewa hoakaka Rosstrakhnadzor ana ka hoopuka ana i kekahi mau palapalaʻae male. I ae ia e like me ka mohai lapaʻau a me ka haʻahaʻa.

Insurance, a oae? A no nā hana o ka hana, ka loaʻa o ka helu o ka hana kūikawā manaÿo a me nā hua'ōlelo. Insurance ha awina o insurers a me policyholders pono ka loaʻa o ka franchise me ka mea hele ma kela a me keia aelike, a i hoakaka ia ma kēlā me kēia no ka lapaʻau huahana laina.

He aha ka ka - franchise lapaʻau?

I unuhi 'ia mai ka' ōlelo Palani franchise mea he pono. Deductible lapaʻau - mea ole recoverable hapa o ka poino. Ua he pōpilikia like me ka pakeneka pili ana i ka huina hoʻopaʻa waiwai. Ma na olelo e ae, ina he hoʻopaʻa waiwai hanana mākaukau kaua paha ma laila, i ka wa o ia mau hōʻailona o ka lapaʻau uku, o ka nui o ka franchise, e deducted mai o ka huina o na uku. Ka Lūkini, e like me ka rula, ho'āʻo, e haawi aku i ka franchise, ma ka Akä naÿe i na nā mea kūʻai mai o ka lapaʻau poe. Mākou manaʻo i kēia mea hana wale, aʻaʻole e pono, akā, inā e manaʻo e pili ana i ka mea, a pau mea okoa. Deductible lapaʻau hoʻolako ka manawa e hoola. Ke uuku ka nui o ka franchise hoʻolako oi pihaʻaoʻao pale o ka poino, akā, me ka uku kiʻekiʻe o ka lapaʻau; nui franchise - emi ma mua o pihaʻaoʻao pale o ka poino, akā, ho'ēmi i kā ka lilo o ka lapaʻau.

Aia he mau ke ano o ka lapaʻau franchise: conditional a me ka unconditional.

I ka wā o ka conditional ai ole-deductible franchise oe e indemnify wale ina mea aku i ka nui o ka franchise, i ole ia, uku, mai ka lapaʻau poe i loaa ole ka hana. No ka laʻana, manao he iki corny, akā, wale i ka ike, oe i hoʻopaʻa waiwai no ka nui o nā kāmaʻa 1 000 me ka 1% conditional franchise i mea 100 rubles, a ma hope lilo i ke kuekue wawae. malama dala e e me ka nui loa emi ma mua o ka franchise, no laila uku mea ole. A ina oe i ole nalowale kuekue wawae, a pau loa haehaeʻia, a laila, i ka lilo ana o ka hoʻoponopono 'ana aku i ka nui o ka deductible, a me ka lapaʻau poe e reimburse oe i ka piha poino. No ka uku ua hana ma lalo o kekahi rula, a me ka franchise ua loaa ia i ka inoa o "conditional".

Unconditional franchise deductible paha deducted mai ka uku o maoli poho ka manawa, me kekahi ana. No laila, ma ka huina ia i ka mua laʻana ma luna, ke ike i ua ole he mailuilu haalele poino uku, mai ka lapaʻau lehulehu, a me ka nui nui o ka maoli poho no e uku ia no, e mau e deducted deductible, oa i loko o mākou hihia - $ 100.

Inā mākou Loiloi i ke kulana objectively, ke ike i ka franchise lapaʻau mea pono no mākou. No emi pono ia mea no lakou iho insurers, e like me ia no ia i ka wa pono maoli e hoola.