Tej kev tuav pov hwm ntawm cov pej xeem nyob rau hauv Russia.

Lub hom phiaj ntawm lub neej kev tuav pov hwm yog ib txwm ib tug muaj siab los xyuas kom meej ib tug ruaj ntseg neej yav tom ntej, tsis hais tsi xam pom tej yam. Insurance tuam txhab uas muag muaj cov neeg cov kev tiv thaiv ntawm koj tus kheej nyiam (ie lub neej, kev noj qab nyob, kev tsis taus) raws li thaum qhov tshwm sim ntawm txoj kev pheej hmoo raws li lub sij hawm los noog tej txhab nyiaj khaws nyiaj. Cov kev cai lij choj kev sib raug zoo nrog tus tuav pov hwm, cov pov hwm, cov pov hwm.

Nyob rau lub hauv paus ntawm tus kheej kev tuav pov hwm daim ntawv cog lus, lub tuav pov hwm yuav tsum, nyob rau hauv cov ntaub ntawv ntawm tshwm sim los ntawm tej txheej xwm them (ib zaug los yog tsis tseg) uas tus nqi them rau lawv nyob rau hauv qhov kev txaus siab ntawm tus kheej. Lub chaw them nyiaj yuav them tus sum pov hwm rau lub tuav pov hwm hwm.

Nws yog ib qho tseem ceeb them sai sai mus rau lub tseeb ntawm tus kheej kev tuav pov hwm. Qhov no daim ntawv cog lus yog pej xeem thiab qhia tau hais tias cov kev tiv thaiv ntawm tus neeg tseem ceeb. Cov kev tuav pov hwm cov tuam txhab yog yuam ua hauj lwm kom xaus ib daim ntawv cog lus nrog rau tej neeg thov kev pab tuav pov hwm thiab muaj ntawv kho mob ib lub teeb tus nqi tsis muaj ib tug neeg mus kom ze.

Qhov tseem ceeb cov ntsiab lus ntawm daim ntawv cog lus nyob rau hauv raws li st.942 Civil Code ntawm Lavxias teb sab Federation yuav tsum tau teev nyob rau hauv daim ntawv cog lus ntawm tus neeg, nyob rau qhov xwm ntawm tus insured kev tshwm sim, qhov loj ntawm lub sum pov hwm, lub sij hawm ntawm validity ntawm daim ntawv cog lus.

Lub pov hwm tus neeg yuav tsum tau muab ib qho kev tuav pov hwm txoj cai (daim ntawv pov thawj, daim ntawv pov thawj), uas tsis yog ib tug treaty, thiab paub meej tias qhov xaus ntawm daim ntawv cog lus ntawm tus kheej kev tuav pov hwm.

Insurance kev pab thaum lub pov hwm kev tshwm sim no yog hu ua collateral. Tej kev tuav pov hwm ntawm Lavxias teb sab pej xeem muab tej kev txaus siab ntawm cov pej xeem kev cob cog rua nrog tus cwm pwm ntawm ib tug neeg.

Nyob rau hauv tus kheej kev tuav pov hwm, feem ntau yog qhia hais tias ob peb hom: kev tuav pov hwm lub neej, kev sib tsoo thiab kev mob nkeeg kev tuav pov hwm kho mob, nyiaj laus, cumulative.

Tshwm sim ntawm kev tuav pov hwm neeg pab leg ntaubntawv nyob rau hauv lub neej kev tuav pov hwm yog txhais tias yog tus hnub ntawm expiry ntawm daim ntawv cog lus, uas tus pov hwm tus neeg nyob, los yog kev tuag ntawm cov pov hwm nyob rau hauv lub sij hawm ntawm daim ntawv cog lus (nrog rau cov kev zam ntawm tua tus kheej thiab ib co lwm yam lus tseeb ntawm txoj kev tuag).

Insurance tiv thaiv xwm txheej thiab cov kab mob no yog muab rau cov insured raws li qhov tshwm sim ntawm cov txheej xwm uas nqa teeb meem rau kev noj qab nyob thiab ua ib co nqi ntxiv: xwm txheej, muaj mob, xiam oob qhab.

Faj seeb kho mob (yuav tsum tau thiab yeem) - ib daim ntawv ntawm cov pej xeem 'tus kheej kev ruaj ntseg, uas tso cai rau nyob rau hauv cov ntaub ntawv ntawm ib tug insured kev tshwm sim los muab kev pab kho mob thiab kev tiv thaiv.

Private kev tuav pov hwm yuav siv sij hawm rau hauv daim ntawv thiab ua hauj lwm cov nyiaj khaws tseg kev tuav pov hwm, cov pom qhov txawv feature uas yog ib tug tsawg degree ntawm randomness.

Tej kev tuav pov hwm nyob rau hauv Russia yuav ua tau kev yeem thaj thiab yuav tsum tau.

Yuav Tsum kev tuav pov hwm yog raws li nyob rau hauv tsoom fwv teb chaws PatientsÕ moj khaum rau kev tiv thaiv ntawm lub sab masses ntawm paj. Hom ntawm yuav tsum muaj ntawv kho mob yog muab los ntawm lub xeev: yuav tsum tau ntiav neeg nrog caij ntawv kho mob, koj tus kheej kev tuav pov hwm ntawm servicemen thiab equated pawg ntawm cov pej xeem, yuav tsum noj qab haus huv kev tuav pov hwm, tsheb pov hwm.

Nyob rau hauv lub tuav pov hwm cov ntaub ntawv nrog rau tej yam ntawm tus kheej daim ntawv kho mob uas tus neeg yuav tsum tau ua ib co kev ua cai rau lub tuav pov hwm lub tuam txhab twb tsis kam them tus mob. Thaum tau txais daim ntawv ntawm cov ntaub ntawv nyob rau hauv qhov tshwm sim ntawm ib tug tshwm sim, koj yuav tau hais rau cov competent cai, coj mus rau cov ntaub ntawv (cov tsheb tub ceev xwm ntawm lub sab hauv Ministry, Xwm Ceev Ministry, lub sab hauv Ministry, thiab lwm yam). Nyob rau tib hnub ntawd qhia rau tus tuav pov hwm cov tuam txhab hais txog qhov kev huam yuaj, rau ib tug ob peb hnub mus muab ib daim ntawv. Lub chaw them nyiaj yuav tsum muaj ib daim ntawv teev cov ntaub ntawv qhia rau cov kev tuav pov hwm cov tuam txhab rau cov nyiaj them ntawm txij nkawm.