Caymiska dhawrista

caymiska Deegaanka - state waxqabad, stock, iyo shirkadaha kale ee caymiska gaarka ah si ay u ilaaliyaan danaha deegaanka dadka u gudanno howlaha on howlgalka of walxaha khatarta ah iyo siday khatarta liability for dhacdo ee ka dhalan kara dhibaato dadka kale iyadoo ay sabab u wasakhaysan shil degaanka.

Funds ee noocan ah caymiska ka foomka ah lacagaha iyo darsaday in la siiyo by dadka ku yidhi, sidoo kale ka soo kasta oo kale oo galmo aan sharciga lacagaha loogu tala galay in magdhow laga siiyo dhaawaca haddii ay dhacdo xaalado caymiska.

caymiska Environmental ayaa ujeeddooyinka socda:

• soo celiyo, (wadarta ama qayb ahaan) burburka iyo hantida khasaaraha deegaanka by dabiiciga ah sababay, masiibooyinka dabiiciga ah, shil ama burburinta deegaanka u sabab hawlaha aadanaha;
• Horumarinta hawlaha si ay u ilaaliyaan oo dhawraan ka dabiiciga ah.

caymiska dhawrista waa la fuliyay by gabagabeeyo heshiiska caymiska, ama tilmaamaha tooska ah ee sharciga. Waxaa la fulin karo labada on iskaa wax u qabso ah oo khasab ah. The xaaladaha nooca ugu horeeya ayaa ku dhow heshiis qandaraaska, iyo tan labaad oo ah - caadooyinka sharciga.

The walxaha caymiska deegaanka waxay kala yihiin:

• khatarta liability ee wasakhda dabiiciga ah;
• khasaaraha ceymiska in uu galay ee wasakhda ah ee deegaanka;
• caafimaad, nolosha iyo hantida uu caymisanuhu (ama kuwa kaleba dadka ku qeexan heshiiska).

caymiska Deegaanka waxaa lagu fuliyaa iyadoo ay wada joogaan labo ka mid ah maadooyinka ay - caymisku iyo ceymiska ku ah.

caymisku waxa loo yaqaan ururka jeedaan gudagala ah fee (premium) ay ku buuxin caymis, dul dhicitaanka dhacdooyinka lagu qeexay heshiiska, dhibaatada ay keento gudahooda wadarta caymiska.

kiiska Insurance - waa khasabka ah, dabeecadda lama filaan waxyeello ah ee musiibooyinka, shilal keeni wasakhda of jawiga, oogada Dhulka ama qashinka biyaha.

Caymisyada - Shirkadaha of dhammaan noocyada lahaanshaha, kuwaas hay'adaha sharci iyo waxay leeyihiin awoodda wax soo saarka dhulka Federation Ruush gudahood.

caymiska Deegaanka ee Russia waxay ku salaysan tahay "On Caymiska" Law of 11.27.97. waxaa Under waxaa jira saddex kooxood oo danaha nooca wax la xidhiidha nolosha, awoodaada shaqo iyo bixinta lacagta hawlgabka caymis, dhaawac qof ama hanti ah oo ay shakhsiyaad, keenaya in hay'adaha sharciga ah waxyeelo.

In West ah kala saaro caymiska ee halista deegaanka iyo hantida ka musiibooyinka dabiiciga ah iyo bay'ada. In Ruushka, noocan waxqabad, ilaa dhawaan, lama qaadeen, Ingosstrakh, oo soo gabagabeeyay, marka laga reebo heshiiska caymiska ee shipowners haddii ay dhacdo qubashada saliida iyo wasakhda ah ee xeebaha ama biyaha.

qasnadaha Individual si gaar beegsaday si loogu maal-shaqada on saadaalinta, iyo joojinta badanoo musiibooyinka dabiiciga iyo deegaanka, shilal, shil.

Amarka iyo xaaladaha ammaanka dadweynaha, loo isticmaalin lacagaha dhisay dowladda Ruush. Intii uu isaga hoggaaminayay, Wasaaradda Khayraadka Dabeeciga of Russia iyo Rosgosstrakh ansixiyey qodobada model on caymiska deegaanka iskaa wax u qabso ah, sida laga soo xigtay oo ururada la xiriira horumarinta sharciyada iyaga u gaar ah nidaamka heshiis ku salaysan dhexeeya caymisyada iyo policyholders ah.

Hadda Russia Adkaan monoboli ee maamulka caymiska. Insurance Regulations diyaariyeen shirkadaha caymiska in ay heleen ruqsad noocaan ah waxqabadka. qaab Regulatory maamula caymiska deegaanka tabaruc ah, waxaa haatan ku dhow si buuxda u sameeyey. Laakiin horumarinta waaxda caymiska ka cidhiidhyami xaqiiqada ah in aysan jirin macluumaad la xidhiidha Xisaab, ee xadaynta kharashka iyo abuurka weyn kaydka.