Rating o ka lapaʻau poe. Insurance poe: e malu ai pane lākiō

Ma Rusia, e like me ia ma nā'āina o ka mua Soviet Union, i ka lapaʻau i kekahi henua. No ke aha la ka mea i hiki mai ai - mea unclear. no ka mea, paha no ka mentality o ka Slavs, ka mea e mau e imi i ka mea makau a me ka maikaʻi koho koke ihola nōʻoe iāʻoe iho i loko o ka 'ano o ka pilikia mua.

Ma ka hapanui o Europa aina e, i kaʻAmelika Hui Pūʻia a me nā hoʻomōhala i ka aina i ka pono, e hookomo i ke kahe o ka maluhia loa okoa. Ma keia ao ua lōʻihi mākou i maopopo ia, ina ua makemake ia ai ole, he mea mau i ka manawa o ka ulia, maʻi, a ma ko lakou naauao ia e palekana ia lakou iho a me kā lākou mau mea i aloha ai ma mua o ka poʻe e kiʻi i loko o ka pilikia kālā kulana home 'ole.

A hoi aku nei au i ke kuai ana ma Rusia mea nawaliwali lapaʻau poʻe, no i ka pono pane lākiō o ka poe ilihune. Like ia paha,ʻaʻole, mākou e kālailai hope i loko o kēia 'atikala.

He aha nō keʻano o ka lapaʻau?

Ano o ka lapaʻau, he nui na. Ua hiki ke maheleia i pilikino a me ka waiwai. Ka mua pūʻulu ka loaʻa o ka kēia mau lawelawe i i pili i ke ola ana o ke kanaka ia ia iho: ke ola lapaʻau, ola lapaʻau, ulia lapaʻau, 'inikua a me na mea e ae. Ka lua o ka pūʻulu nā mea a pau ia mau lawelawe i i pili i ka waiwai pono o kanaka: waiwai lapaʻau, kaʻa kūʻai lilo mai kekahi a me kekahi poe e ae.

Aia ka poe hana pela lapaʻau lawelawe i hoʻolako i ka loio i nāʻoihana: lapaʻau hana,? Iecaianoaaiiie, kuai, a me na mea e ae.

Inā he kanaka ua hoʻoholo e insure i ka mea, uaʻalo me ka pilikia o ke koho ka lapaʻau poʻe i makemake e hiki, e hālāwai me lākou mau pono, a hoʻolako i ka mea lawelawe.

No ke aha la ka mea e pono ai no ka pane lākiō lapaʻau poe?

Ua piha ka makeke i kaʻano o ka poʻe i i lapaʻau lawelawe, a me kekahi manawa, paakiki, e koho i kekahi mea maikaʻi. No ka laʻana, he hailona o ke dala, e pana aku au i ka pakiko-paipai ' lapaʻau hele ma Moscow. Rating, mahalo a hiki i keia, ua houʻia e māhuahua Customer pele. Akā, ina paha ia e ia i piha manaʻo o ka mea maoli kiʻekiʻe o ka pono o ka insurer?

Ma ka lapaʻau hana, he mea paha i kekahi mea oi nui no ka insurer, e like me ka mea kiekie loa kaulana i loko o ke kuai ana o nā lawelawe. Inā ka poʻe mea,ʻaʻole ma ka hālāwai hoʻolohe manaʻo, i kona lawelawe e e hoʻohana wale i ka wa kahiko nā mea kūʻai mai, ka poe i kāinoa mua oi a emi kupaʻa ia ia.

I ka nui o ka hana hoʻokani i ka poe liilii, a Mānoa i

Eia hou kekahi, he mea nui maikaʻi i kou manaʻo, mai kanaka. Psychologists pinepine aku nei au i ka māʻona Customer, e waiho aku i kekahi poʻe o ka 2-3 hoa, a ua hai aku ia i hauʻoli 10 kanaka a me ka nui e pili ana i ka ka poe ilihune hoʻolālā mea lawelawe. No laila, ma ka mea o ka pono hana a pau insurers e noho ma ka mea maikaʻi loa kiʻekiʻe.

Aia nō he wahi lihi iki o ka 'Oihana i nā mea nui a hiki i ka holomua hana o ka lapaʻau poʻe i loko o ka makeke o ka lapaʻau lawelawe o ia wahi ka pilikia.

I mea e maopopo i o na insurers o ka luna i loko o ke kuai, a i mea i ka hope, i ka i ia mea,ʻaʻole e pono ke pili, he kūlana kiʻekiʻe o ka lapaʻau lawelawe poe.

Me ia i ka pane lākiō i hiki e kokoke oluolu, e koho i ka pono lapaʻau poe, a e paulele i loko o ka hana o ko lakou mau kuleana me kekahi pitfalls.

He aha ana hoʻohālike e uku hou noonoo ana i ka wā i ka loiloi '?

E imi i ka mea maikaʻi loa lapaʻau poʻe ma Moscow, o ka pane lākiō oe pono e e akahele, e lawe i ka mooolelo a pau e hiki nā hoailona. Ka mea, pono ÷ ike i ka nui o ka solvency o ka lapaʻau poe, i ke kumupaʻa o kona pāʻoihana ka pili ma, loaʻa nui o ka aie.

Eia hou kekahi, ia mea pono e maopopo i ke kiʻekiʻe o ka lapaʻau uku, Customer waihona kālā 'ole, e like me nā kālā nā hoailona, a e kōkua i ka ike i ke kiʻekiʻe o ke kumupaʻa a me kūlana pili kālā o ka lapaʻau huakai.

Holo nōhie ka pane lākiō o ka lapaʻau mau poʻe i ka nānā 'ana ma luna o ka Ikepili o ka kēia mau pūʻulu o nā hoailona:

1. Nā hoailona o mawaho kuleana.
2. Insurance waihona kālā.
3. Kālā nā hoailona.

E noonoo kela a me keia pae ana o nā hoailona.

Nā hoailona o mawaho kuleana

Ke kālailai i nā nā hoailona o mawaho kuleana, lawe i loko no o ka neʻeʻana o ka waiwai, kā lākou me nā hale a me nāʻano. Eia hou, e lawe i ka mooolelo o ka waiwai o ka mea mana kumukuai, e like me ka pono nui o ka lapaʻau ka uku nui loa.

An nui makemake a me Ka Ikepili o ka lehulehu ahahui mea i ka poʻe i loaʻa i ka market kulana, kona pilina me na nā loko o ka moku'āina hooponopono a me ka mākaukau o ka'ōnaehana nā limahana.

Ke kālailai mau oeeo?, Ia mea e pono ke lawe i ka mooolelo o ka insurer ka hooponopono 'ole, e like me kona kālā nona iho.

E noonoo pono i ka mea mawaho kuleana, hoʻoholo i ka hopena no kēlā 'āina' lala o ka lapaʻau hui: kona waiwai a me ka poho kulana i loko o ka kūloko lapaʻau market. A, i ka pane lākiō o ka lapaʻau poe ma Moscow e oko me ka nui loa mai o ka kulana ia e ka poʻe i loko o nā wahi. No, ma kela kulanakauhale keia kulanakauhale, he mea he nui o ka makahiki kona i ua olelo ia ma ka pae o ka solvency.

lapaʻau waihona kālā

Këia i ka lapaʻau waihona kālā, e pono e maopopo i ka 'ole o ka lapaʻau huakai. Ka mea, he mea e pono pehea waiwai o kēlā me kēiaʻano o ka lapaʻau, a me ka huina dala o hiki ka pilikia, e hooholo.

Nāʻikepili loaa e hoʻohālike me ka Customer kumu. Kālailai i ka helu, me nā hale a me nāʻano o nā waihona kālā o ka Client ka. Manao like mea eʻoi aʻe lapaʻau poʻe pono nā mea kūʻai mai ka nui o ka hana ka leo, e hana i kekahi paʻa insurers, e like me ka hoʻokēʻai, hou lapaʻau aelike.

I nui o ke kulekele alualu ia e ka lapaʻau poʻe ma lalo o ka reinsurance. Ua hoʻohiki paha ka Mohai nui e hiki alakai i ka kiʻekiʻe nui o ka lapaʻau uku. Ke hoʻohālikelike i ka i kā mākou kiʻekiʻe o ka lapaʻau uku i ka huina ka leo o mau dala.

kālā nā hoailona

Kālā nā hoailona e māheleʻia i loko oʻekolu pūʻulu.

1. nā hoailona o kaʻoihana kālā a me ka solvency.

Ka Ikepili o kekahi mau degere o kaʻoihana kālā e hōʻike mai ana koke ia e e hiki ke hookaa i kona mau aie, ina ma kekahi wahi, a pau mea noi, e hoopai i kekahi hoʻi ma luna o lākou waiwai kūʻai. Nā hoailona hōʻike i ka solvency o ka lapaʻau poe pono e,ʻo hou hoʻolako 'ia o, mai waho.

Eia hou, e kālailai i ka 'ole o ka payables, a haawi i maopopo kona kumu a me nā hua'ōlelo i mea pono no ka piha kaula. I hāpai mai i ka ho omaulia ana o ka hao ka solvency hiʻohiʻona a me ka poʻo adequacy.

2. nā hoailona o ka puka waiwai a me ka poho.

E hoʻi ma luna waiwai, e kōkua hooholo i ka nui o ka waiwai o ka lehulehu ma o ka hana ana. I ka ho omaulia o ka poho ka lākiō. E loiloi i ke kiʻekiʻe o nā koina i ka insurer ka hāhai ma ka malama ana kona hope. Ka Ikepili o ka adequacy o ka loaʻa ai i accrue i ka lapaʻau poʻe no ka lapaʻau uku, e like me uhi i ko lakou mau holo koina o ka hana.

3. Auana o ka waiwai kūʻai kulekele.

Me ke kōkua o ke kūpono nā hoailona oaeuiinoe ulu o ka lapaʻau poʻe, Lahairoi, a kālailai i ka hopena o ia mau wahi o ka ha awina ma i ka kaʻoi loa.

Oe hiki ole hilinaʻi wale n? Ma lehulehu manao

Rating o ka lapaʻau poe - o ka hopena o ka luna 'i ka ho omaulia, i nā aneane na nā hoailona a pau i kou ke manaʻo o no ka auhau ana o ka lapaʻau huakai. E mālama nei i na kālailai e komo 'mākaukau wale.

Kino kanaka e pili ana i kā lākou mau manao e pili ana i ka lawelawe ana o ka ua lapaʻau lehulehu - ia mea wale nō he hapa hehee ai o ka lōʻihi, a laborious kaʻina ia oe e hana i ka hana i kaʻoiaʻiʻo Pahuhopu kūlana kiʻekiʻe.

Oe i ka maopopo i ka nīnauele ka wā i nui ole ma luna o nā hualoaʻa i ke kanaka ololi. People kamaʻilioʻana, e ke 'ole e hoʻolaha, e hoʻokō i ka manao. Ie ke kālailai i ka lapaʻau poʻe, e ole e ike i ka People ka pane lākiō like me ka oiaio wale.

Ka lapaʻau anaina i ole ia i ka mea maikaʻi, akā, mahalo i ka nupepa, Hōʻuluʻulu manaʻo puke, kīwī a me nā ke kūʻai akuʻana i kūpono ma ka heluna kanaka e kiʻi i ka wahahee manao e pili ana i kona pono.

Ma mua o kekahi hopena a pono e pono kālailai i ka lapaʻau poʻe. Pono Rating, i houluuluia ma ka kumu o ka pololei huahelu, hiki i ka pono hooholo i ke kuai alakaʻi.

pehea ka lapaʻau ahakanaka pau hope makahiki ka mea iʻikeʻia i loko o ka TOP a me ka noonoo.

Rating o ka lapaʻau poʻe ma muli o nā hualoaʻa ma ka 2014

Ma hope o ke kālailai i nā hualoaʻa, a hoike mai i ka lapaʻau poe i ka 2014, ua hiki ke manao nei makou hope makahiki ua paʻakikī no ka mea holoʻokoʻa lapaʻau market. Aia he ole me ka haohao i loko o nāʻano likeʻole o ka hoʻolimalima i makahiki, he nihinihi loli o ke kulana like me ka lākiō i o 2013.

Ina e hoohalike i ka buke o ka lapaʻau ka uku nui loa loaa (dala i uku ia no ka insurers), ka luna ekolu i ÷ ike i ka mea maikaʻi i nā hualoaʻa no Lūkini kuai, koe ma ka podium.

Ua lawe ia ka wahi mua ma ka lapaʻau poe "Rosgosstrakh", a ua 105,2 ieeeea? rubles. Ka lua o ka hele SOGAZ me ka loaa o ka 105,2 ieeeea? Rubles, oiai ma kolu o ka wahi ua mālama steadily "Ingosstrakh", a e hoʻokele e ohi i lapaʻau ka uku nui loa i loko o ka nui o 65,8 ieeeea? Rubles.

Inā mākou e kālailai i ka 'ole o ko lākou mau makahiki, ka mea hiki e manao ia ka nui waiwai o nā dala i loaa mai no a hiki i ka hopena o ka ae like ana ma ka naau mai ka waiwai lapaʻau.

Ma ka leo o ka hookaa ana, i mea kekahi o ka mea nui nā hoailona no ka lapaʻau poʻe, i ka luna ekolu i koe i ka ia. Ma ka mua wahi payout o ka lapaʻau poe "Rosgosstrakh", a i wahi i ka piʻi he 55,1 ieeeea? Rubles. Ke lua a me ka kolu o ka wahi, niioaaonoaaiii, "Ingosstrakh" a me SOGAZ.

Inā o ka buke o ka uku ma ka pili ana i ka kūpono lapaʻau ka uku nui loa, ma o ka wahi mua e lilo ana i ka UK "kuikahi" mākou noonoo, "Ingosstrakh" a me ka UK " 'ae' ana".

I ka 2014, i ka lapaʻau huakai "Rosgosstrakh" hiki aku ai ma ka helu o ka poe pio aelike. ʻAʻole hoʻi hou, aole hoi e emi mai, ua hiki ke hoʻopau iā lākou i loko o ka nui o 34,5 miliona huahelu. Ma lua o ka wahi o "Alpha Insurance", i manao 11,8 miliona aelike. Ua laweia Ekolu wahi ma ka lapaʻau poe "RESO-kumu hoʻomalu", i manao oi ma mua o 8,4 miliona aelike.

Ia i ka 2015 ka manawa a me ka mea mau i ka Time]?

Mau loea, e hoailona oukou i ka nui ka ho'ēmiʻana i loko o Client hope. Wahi keia kahua i ka mea hōʻemi o ka hoʻokele waiwai, a me ka haule ana ma GDP. Aia hoʻi, ke depreciation o ka ruble me ka nui loa ku i kaʻekeʻeke o ano o kanaka e like, a me nā pāʻoihana hale, he e hoʻopakele i nā huahana mai kahi'ē.

E like me ia Time], e e hiki ke malama i ka 2015 o ka pane lākiō o ka lapaʻau mau poʻeʻelua wale ke ano o ka lapaʻau lawelawe: ola a me CTP.

He nui nā manaʻo i ke kuai, e menemene, a me hou nui poe i makemake e literally i aina kakahiaka uuku onipaa no e hoʻolako lapaʻau lawelawe. Ia mea, aia no he au no ka hoʻohuiʻana o ka makeke ma ka lilo o ka 'āpana.

Kēia, no ka laʻana, Hōʻike he 'ano o ka lapaʻau like me ka CTP. Rating lapaʻau poe "Rosgosstrakh" ma ka hapa mua i loko o ka palapala o ka lapaʻau lawelawe mahuahua like i ka ia wā i ka 2014. Inā hope makahiki ke kaʻana like 'ana o kēia poʻe i loko o muli o lapaʻau o kivila aie o ka Keaukaha ua 29,5%, ia manawa aku i 36%.

Akā, inā ua kālailai i ka ulu ana o CTP uku, lapaʻau poe pane lākiō o SC "RESO-kumu hoʻomalu" Ua hoi hou. No laila, i ka 2015 ka mea, ua hiki, e hoʻonui i ka huina dala o ka uku e 48,5%.

I ka 2015, i ke kuai, kūnihi e coarsen

Ma ka hapa mua o ka huina kuai kaʻana like 'ana o ka lapaʻau poe, a i komo i loko o ka luna he umi, e mahuahua i 77%, i kekahi olelo e pili ana i ka hoʻohuiʻana makeke.

Inā 'oe makemake e ike ina paha no ke kōkua' ana me ka kekahi insurer, ia mea pono e aʻo kona pane pālākiō. Insurance poe a kapikala St. Petersburg ke i kekahiʻokoʻa nui o ka uku nui loa i ohi ia mai keʻano o nā 'āina kulana, a hoʻoholo i ka pono nui o ka Customer pele. Ma keia hihia, pono-e holo ana Ka Ikepili, e lawe i loko, no keia mea, a ike i ka mea a pau i ka hookahi lapaʻau poe no oe.