"FAC" Izibuyekezo inkampani yomshuwalense. Isilinganiselwa inkampani yomshuwalense "FAC"

Abantu abaningi e-Russia, kuqala wangena isimo okungavamile, ezibuza ngalokho ukuthi ungakwazi izithembiso lwezinhlangano ezihlinzeka umshwalense yomphakathi. "FAC" inkampani anayo simo izinkampani zomshuwalense ungeyena isikhundla yakamuva, kodwa aphikisane nokufaneleka ukwelashwa kwelinye nabameleli bayo bengayeki.

Amapharamitha eyinhloko kukhethwa inkampani yomshwalense

Yini okufanele kucatshangelwe, ukukhetha inkampani ukuphothula isivumelwano umshwalense? Lo mbuzo sinzima, hhayi kuphela Wabasaqalayo, kodwa futhi kulabo ngokuphindiwe sibhekene imboni yomshuwalense. Okokuqala udinga ukuthola izimpendulo chungechunge imibuzo elandelayo:

1. Kuyoze kube nini le nkampani usebenza emakethe umshwalense?
2. Kungakhathaliseki inhlangano uthembeke ngokwanele?
3. Yini isilinganiso (ngokusekelwe amaphuzu nemvume yokuthenga namazwana zabantu) iyona umshwalense?

Isinqumo, ngaphezu, lezi zinto ezilandelayo kungase kuthinte:

- Izindleko inkampani lwamasevisi;

- indawo legatsha noma ehhovisi;

- izincomo kwabangane nezihlobo zakho.

Umlando ukubunjwa nokuthuthukiswa kwenhlangano

Vula Joint Stock Insurance Company, eyaziwa ngokuthi inkampani yomshuwalense "FAC", inikeza amasevisi emphakathini futhi abameleli ibhizinisi Russian ngo-February 1992.

Inhlangano has a uhlamvu jikelele. Ilayisensi etholwe yinkampani ekuvumela izisebenzi zayo ukwenza yomshuwalense izinhlangano ezingokomthetho kanye amaklayenti yangasese izinhlobo eziningi izinhlelo (ngaphezu kuka-100). Ngaphezu kwalokho, le nhlangano inikeza ngamasevisi Reinsurance, okuyinto iyahlule izinhlangano ezifanayo ngesimo inkampani. "FAC" (inkampani yomshuwalense) namuhla ukhonza kuka-10 million. Amakhasimende Private nezinhlangano ezingokomthetho engaphezu kwengu-125 eziyinkulungwane.

Ngaphansi isifinyezo "SSC" ngaphambi 2011 sifihla igama "Military Insurance Company". Ngemva wethe isikhungo kwabalelwa phakathi izinkampani zomshuwalense lwasekhaya "Zonke-Russian Insurance Company". Ngawo lowo nyaka, yabe seyaziwa mayelana yokufuna ingxenye enkulu "FAC" inkampani «RESO-Isiqinisekiso" (25%). Njengengxenye inkampani yomshuwalense zihlanganisa izinhlangano ezifana "FAC-Isihe" futhi LLC "VSK-Med".

Ngo-2012, OJSC "FAC" enqobe milestone engu-20. Ngokusho ukuhlolwa olwenziwa ngo-2002 yi-isilinganiso ejensi "Isazi RA", inhlangano iye ukalwe njengoba A ++, okukhombisa ukuthi kusezingeni ithatha eliphezulu ngokuthembeka. Inkampani kuqinisekisa lokhu isimo ngayo yonke iminyaka ezalandela umsebenzi emakethe Russian.

Inhlangano okwamanje usebenza nge ezimbili zokuhweba :

1. "Zonke-Russian Insurance Company".

2. "VSK Umshwalense House."

Inethiwekhi wesifunda Zonke-Russian Insurance Company

Phakathi isikhathi langemva njengoba kusaqhuba inhlangano, ke kuye kwafeza lukhulu. Amagatsha e-inkampani yomshuwalense "FAC" ayatholakala kuzo zonke izifunda zezwe lethu. Isibalo bale nhlangano lidlule kakade 750. Inethiwekhi ebanzi yophathina amagatsha kanye emahhovisi Zonke-Russian Insurance Inkampani siqukethe amagatsha amaningi kanye nabasizi etholakala kuzo zonke izikhungo zokuphatha nezezimboni yezwe. "FAC" is kufanele kubhekwe ngomshuwalense elikhulu esikalini federal, ungumholi e izingxenye iningi umshwalense emakethe yasekhaya.

Likuphi inkampani yomshuwalense "FAC"? izinhlangano Amahhovisi Local esifundeni belulekwa ukuba uhlole kuwebhusayithi yakhe esemthethweni. Ihhovisi inhloko yalawa OJSC "FAC" itholakala eMoscow (Str. Lesi siqhingi, 4).

Ifoni: 785-27-76 (ikhodi 495) 727-44-44 (ikhodi 495).

Uhlu amasevisi inkampani yomshuwalense

Zonke-Russian Insurance Company inikeza amakhasimende ayo nge ukuvikelwa olunzulu impahla kanye izithakazelo zabo. Phakathi izinkonzo ezenziwa OJSC "FAC" ukuze ngabanye kanye namabhizinisi, ethandwa kakhulu kuyinto umshwalense:

• kusukela izingozi kanye nezifo;
• impahla (ngaphandle izimoto);
• ngezizathu zezokwelapha;
• izimoto ezihlukahlukene (umhlaba, amanzi kanye nomoya);
• abagibeli kanye imoto;
• kuhilele ecaleni elimayelana nezakhamuzi kwabantu kanye nezinhlangano;
• izitshalo nezilwane;
• kwezimali zakhe nebhizinisi lakhe izingozi.

Izinzuzo main

Izibuyekezo Omuhle "VSK" Izinkampani zemishuwalense basikisela ukuthi amakhasimende ayakwazi ukuhlola izinto ezifana nalezi:

• Ukuba khona inani elikhulu amahhovisi esifunda, ukunika amandla abasebenzi lenhlangano ukunikeza umphakathi wonke zinsiza umshwalense kunoma iyiphi zokuhlala kahle esikhulu yezwe, kanye ukwenza izinkokhelo ku amacala umshwalense kulo lonke elaseRussia. Akunandaba lapho waklonyeliswa inkontileka ukuhlinzekwa kwezinsizakalo umshwalense.

• Izinga eliphezulu ngokuthembeka, basuke ehlelekile kuqinisekiswa isilinganiso ejensi, siyisiqiniseko ukugcwaliseka ngesikhathi esifanele izibopho inhlangano wonke umuntu uya OJSC "FAC". Ngenxa olinganiselayo umshwalense iphothifoliyo, anele umshwalense imithombo Reinsurance uhlelo, kungenzeka ucabanga lenhlangano lincishisiwe.

ukuhlolwa Inhloso imisebenzi yenkampani

Ochwepheshe bakholelwa ukuthi Izibuyekezo zabantu inkampani yomshuwalense "FAC", kabanzi okwethulwa izinkundla namawebhusayithi-otzovikah Uyi ubudlelwane yangempela yomphakathi, kuklanywe ngendlela ekhanga amakhasimende ezengeziwe. Nikeza ukuhlolwa engakhi ngomshuwalense e izinhlangano main ukuncintisana, kanye namakhasimende angazange alifunde imigomo izivumelwano zomshuwalense ngesikhathi ukusayinwa imibhalo.

impendulo zabantu subjective kakhulu, ngoba wesevisi ngamunye has kokubili abalandeli kanye ababeshisekela. Ngaphezu kwalokho, akufanele uthathe sinye esifanelana yonke iminyango inkampani futhi bonke abasebenzi bawo. Uma umuntu oVikelwe enhlanganweni yanoma yimuphi izingozi, sibhekene Kungasebenti kahle kwaletinye umphathi esithile, khona-ke impendulo engeyinhle mayelana nenkampani kufanele awubuyisele umsebenzi (nge inkomba "FAC" lomuntu oqashiwe futhi indawo amayunithi).

Kufanele kuqashelwe ukuthi, ucwaningo lubonisa ukuthi amakhasimende, isilinganiso inkampani yomshuwalense "FAC" kuyinto ngempela ongaphakeme - inhlangano isevisi ahlele hhayi ningi than 1/3 labantu ujwayelene amasevisi ayo. Leli qiniso ulula ukuchaza: ngomshuwalense kuyinto begxile kakhulu emsebenzini amasevisi for nezinhlangano ezingokomthetho, amakhasimende ngamunye.

Inkampani yomshuwalense "FAC": Izibuyekezo amakhasimende wanelisekile

Kuhlola omuhle izinkonzo umshwalense olunikezwa inhlangano, kukhona lingandile kangako ngaphandle Izibuyekezo ezingezinhle, okuyinto ngokusobala ngenxa isici yokucabanga Russian. Abantu akuvamile ukubhala ukubuyekeza enkampanini, amasevisi zazo zisuthe. Empeleni, amakhasimende weneliseka le umshwalense, okuningi kakhulu kunalokho kungase kubonakale efika kuqala. Ake sizame ukuthola ukuthi izikhathi babe amakhasimende umangale le OJSC "FAC":

• inkampani yomshuwalense (umshuwalense ekhaya) lihloma wamaphepha nokukhokhwa kwezintela nezimali ngenxa ngokushesha futhi ngaphandle umbuzo, naphezu kweqiniso lokuthi ngemgwaco, wahileleka engozini, uthenge ngesikweletu. Ngokusho eziningana wokubuyekezwa okuvumelekile abanikazi imoto oVikelwe esifundeni Moscow, izinga lenkonzo impela high.

• Kusukela amazwi abashayeli, abasakwazi aneliseke service "FAC" (inkampani yomshuwalense). Ukubuyekezwa (CASCO) ngokuvamile ibonisa ukuthi abasebenzi yenkampani ukwenza ukuhlolwa ngesikhathi esifanele ezimoto ukunikeza amakhasimende ne uhlu amagalaji wahlanganyela imishini ukulungisa, wahileleka engozini. Naphezu isinxephezelo eside, nobunzima kubuye izimpahla akusho ngokuvamile kuphakama.

• amakhasimende amaningi ngokuphindiwe ukuthathelwa umshuwalense izimoto zabo kuleli "FAC" ku-CTP, bayaqiniseka ukuthi ukubala umshwalense isinxephezelo ngaso okuvela yimuphi umcimbi insured ngendlela esifike ngesikhathi futhi ngendlela efanele. Inani ikhokhwe kwanele ukulungisa imoto ilimele.

Izibuyekezo ezingezinhle inkampani yomshuwalense "FAC"

Izakhamuzi eziningi Russian asebethole bazuza izinhlelo yomshuwalense we OJSC "FAC", waphawula ukuthi umsebenzi ezingasebenzi kancane futhi awazikhathaleli edonsa abasebenzi abasha amakhasimende e emahhovisi enkampani. Abasebenzi, okuyinto ayifuna ngabomvu entulekayo. Lindela ucingo oluvela nosebenzela inkampani, ethembisa uyaphindela esikhathini esizayo esiseduze, siba isikhathi eside kakhulu. Ngenxa yalokho, amakhasimende bephoqeleka ukuthola ulwazi olufanele ngokwakho.

Kukhona amacala lapho inkampani yomshuwalense enqaba ukukhokha imali iklayenti ku umshuwalense wezempilo ngenxa yokuthi lolu hlelo uyekile isinyathelo okucatshangelwayo. Kulokhu, VHI wakhishwa amaviki 2 nje edlule isikhathi sezinyanga ezingu-12. Imali lwezokuphepha ukuba balokhu iklayenti ngeke ibuyiselwe.

ukuhlaziywa Ikhishwa wabonisa ukuthi Inkampani libuyekeza "FAC" ihlobene eduze nokuhlolwa kwabasebenzi isikhungo. Abasebenzi Izinkampani zemishuwalense Zonke-Russian bavame ukulishaya indiva le amakholi wefoni. Abangenakho ulwazi olufanele, abasebenzi abaningi benqaba ukunikeza iseluleko, wathumela iklayenti ngosizo oluvela kwabanye ochwepheshe, futhi labo, yenza okulandelayo. abasebenzi ehhovisi esikhundleni kwamakhasimende ocingweni ukuxoxa izinkinga zomuntu siqu. Ngaphezu kwalokho, ezimweni ezilandelayo zinendawo:

• "FAC" abasebenzi senqabe ukuthathelwa umshuwalense zimoto ekhiqizwa ngaphambi 2005, bephawula lokuthi ukukhokhelwa ngemisebenzi enjalo kungukuthi unelungelo.

• Imibhalo olunikezwa amakhasimende emahhovisi inkampani yomshuwalense, ngokuvamile kakhulu ilahleke. Izisulu zezingozi bephoqeleka ukuba ukuqoqa izibambiso iphakethe futhi.

• inkampani yomshuwalense hotline "FAC" kalungisiswa. Amakhasimende, ngokuyimfihlo ngokushayela inombolo kwinqubomgomo, kubalulekile ukuba sibuyele inombolo ezivamile lesifunda. Abasebenzi akudingeki umkhuba ethulwa kubasebenzisi bayo. Hhayi ukuze athole impendulo yombuzo sokushaya umuntu umqhubi bungadida ifoni.

• Lapho elikhiphe izinqubomgomo CTP amakhasimende ophoqelelwe ukukhokhela izinsiza ezengeziwe ezifana yomshuwalense wokuphila noma impahla. Endabeni ka ukwesulwa umshwalense ebekwa izisebenzi zale nkampani kuthiwa kokuqina nemibandela zokusebenza yokuvuma futhi wandise uhlu imibhalo etholakalayo.

• Endabeni umshwalense amaklayenti we OJSC "FAC", siqhuba iholide phesheya, kufanele ukuxazulula izinkinga zabo.

• Abasebenzi indiva amakhasimende abo, ukudala ulayini futhi enze kube ngokwakho umsebenzi wakho wamanje, isibonelo, bahlelekela izinqubomgomo imibhalo odlule.

• abasebenzi Ukuxhumana "FAC" namakhasimende ngokuvamile kunjalo ngendlela iluhlaza. Institutions Abasebenzi kalula ukuvala ihhovisi ku ikhefu lobuchwepheshe ngaphandle kwesixwayiso izivakashi bengakwazi ukulinda.

Abantu ngokuvamile engajabule ukuthi amahhovisi enkampani abathintekayo ekuxazululeni isimo futhi isinxephezelo lokukhumbula izisulu zombuso umonakalo, musa basebenze ngezimpelasonto.

"FAC": abasebenzi Izibuyekezo

Ngokusho abaphathi yangaphambili izikhungo usebenza enkampanini yomshuwalense "FAC" - uhlobo ilotho. umsebenzi Esemthethweni akuqinisekisi inhlangano izisebenzi ezingeni nomholo, okuyinto lona e-interview. Inkokhelo abasebenzi, "FAC" yakhiwa iholo elincane futhi ngenxa kohlelo kushintshwe amaprimiyamu.

Amaphesenti premium incike isibalo amaklayenti kwesamba. Ukuze kuzuzwe ukusebenza oyifunayo, umsebenzi kufanele izimfanelo ezilandelayo:

• nice ukwazi ukukhuluma futhi bakwazi ukuqinisekisa amakhasimende;
• kube zobuqili ekubaleni.

In amazwi omunye wabasebenzi wangaphambilini we OJSC "FAC" ukwenza inkonzo amakhasimende inzuzo kuphela. Bonke bakhangwa ukusebenza wokuba yimenenja yokuthunyelwa kwezimpahla umshwalense kumelwe azimisele iqhaza trainings eziningi ukudayisa imikhiqizo yomshuwalense kanye zokuqeqesha.

CASCO - omunye imikhiqizo umshwalense ethandwa kakhulu

abashayeli abaningi nakho nesithakazelo amasevisi anikezwa at ezokuthutha inkampani yomshuwalense "FAC" (inkampani yomshuwalense), ukubuyekezwa.

"CASCO Classic" - iwumkhiqizo Amatebhe yinkampani. Lolu hlobo lwe-service kubhekwa azifani ngoba kudala abanikazi izimoto Ukuvikelwa esiphezulu, kungakhathaliseki ukuthi okuhlangenwe nakho ukushayela. Umshwalense uzobe kwakhiwa ikhumbula zonke izidingo amaklayenti. Ngaphansi umshwalense ehlanganiswa:

• izimoto ezikhiqizwa e-Russia, impilo zazo ingeqi iminyaka engu-10;
• izimoto angaphandle yobudala efanayo;
• imishini olwathengwa abanikazi imoto emva ukuthenga imoto.

Lolu hlobo lwe-umshwalense inikeza isivikelo ukweba izimoto umonakalo kungenzeka imoto yanoma ikuphi eziphuthumayo.

"Ithemba Special" CASCO - kungenye umkhiqizo ezithakazelisayo, okuyinto linikeza amakhasimende ayo inkampani yomshuwalense "FAC". Imithetho zohlelo ukuvumela ukufaka kwinqubomgomo okuthile kwezihlobo eziseduze ziqondiswe ngaphandle kwenkokhiso eyengeziwe. Isimo kuphela: inombolo yemicimbi oVikelwe iqhaza laba bantu kuzokhawulelwa.

Ukusebenzisa CASCO umshuwalense wokubala athuthukile "FAC", ungakwazi kakhulu lula inqubo sibalo. Ngemva kokukhetha le hlelo oyifunayo, kulula ukubala izindleko amasevisi. Futhi oda umshwalense kungaba ngokuqondile nge-Internet. Wakhuliswa njengomFarisi ekhaya ngesikhathi evumelana kakhulu kuwe.

Yini enye engingabuye Uhlelo ezithakazelisayo CASCO, okuyinto linikeza amakhasimende ayo inkampani yomshuwalense "FAC"? Izibuyekezo abanikazi imoto, ibekwe kumawebhusayithi izinkundla, ukuvumela ukwaba izikhathi ezinhle.

1. Inkampani inikeza ithuba ukuthathelwa umshuwalense imoto, uthenge ngezithukuthuku imali.

2. amasevisi Umshwalense unganikezwa isikhathi okungenani 1 unyaka.

3. Endabeni travel phesheya evela kumnikazi imoto kungenzeka ukunweba kwenkululeko umshwalense.

4. Ukubhalisa kanye nokuvuselela inqubomgomo zingenziwa kunoma yiliphi ihhovisi le-"FAC", ngaphandle kokubheka endaweni yokuhlala umshayeli.

5. izimoto Uma kubhekwa ehlaselwe ingozi, ukubandakanya ochwepheshe abazimele, ngaleyo ndlela ukuqinisekisa ukuhlolwa fair.

Umshwalense senziwa iphakethe ubuncane kwemibhalo. Ngaphezu isidingo sokuba kunakekelwe ngokwezinto umphathi ipasipoti yokubhalisa umshwalense idokhumenti ezokuthutha bese ugcwalisa isicelo.

Izinhlelo for umshuwalense wezempilo

Izibuyekezo inkampani yomshuwalense "FAC" e kwesigamu amacala ahlobene izinga yokubhaliswa umshwalense wezokwelapha. Yezefundo amaklayenti ukufinyelela izinhlelo eziningi umshwalense wezokwelapha yokuzithandela.

Ngo-ofisini "FAC", ungakhetha:

• ngevolumu zokwelashwa ezidingekile;
• udokotela Consulting;
• umtholampilo efanelekayo.

usizo olufanelekile zizonikezwa kumakhasimende "FAC" ngaphandle emigqeni nganoma yisiphi isikhathi. Uma kwenzeka lokugula zonke izindleko ezihambisana izovala enkampanini yomshuwalense. abanikazi inqubomgomo LCA insured ngokumelene ekuthengeni izinto ezingadingekile ezihambisana nezidingo sinenkonzo yokunakekela iziguli emakhaya izikhungo, ukuqoka inhlolovo ivolumu ngokweqile.

Uhlelo umshwalense Health OJSC "FAC" elawulwa ngokucophelela, esivikela ngokugcwele izithakazelo amakhasimende. LCA abanikazi inqubomgomo zivikelwe inkampani yomshuwalense ensimini ka ezweni lethu, kokubili ngaphakathi nangaphandle WaseRussia.

Uhlelo umshwalense impahla

Abasebenzi lenhlangano ukuthuthukisa iphakethe ezingaba ukuvikela izithakazelo impahla izakhamuzi Russian. Inkampani yomshuwalense "FAC" (ikheli ehhovisi kungenziwa ebekiwe kwi website esemthethweni) kuzosiza ukunciphisa umonakalo impahla yakho ngenxa imililo kanye nezinhlekelele zemvelo, kanye uma kwenzeka Umbuso ukwehluleka (amakhefu amanzi izinhlelo, umlilo wiring ezivamile).

amasevisi umshwalense izindleko kuzoncika izimo ezifana nalezi:

• uhlu izingozi elicacisiwe inqubomgomo;
• yiqiniso kwalesi umshwalense;
• enanini lomuzi.

Lezi izinkomba - lokhu akukona konke ungajabulisa amaklayenti abo, le nhlangano umshwalense. "FAC" inikeza isihloko umshwalense, ukuvikelwa abantu zemvelo phesheya, has ezinye izinhlobo iningi lezinhlelo umshwalense. "ECC" isilinganiso sezingeni eliphezulu inkampani yomshuwalense evumela ukuba siphethe ngokuthi ngeke uzisole, uma usebenzisa amasevisi we umshwalense. Okukhethayo uyonikwa imbuyiselo egcwele impilo enhle, imizwa kanye nemali usindiswe - kungcono a lot!