Kev tuav pov hwm tus nqi

Insurance them tus nqi ntawm cov kev pab cuam yog reflected nyob rau hauv tus nqi ntawm cov kev tuav pov hwm hwm (nqi). Qhov puav pheej - tus nqi rau cov tuav pov hwm cov kev pab, nws yog yuam ua hauj lwm kom muab nyob rau hauv cov kev tshwm sim sau npe nyob rau hauv cov kev tshwm sim daim ntawv cog lus. Nws yog raws li nyob rau hauv ib tug ca tus nqi (los yog tariff).

Insurance nqi - nws yog qhia nyob rau hauv rubles tus nqi ntawm tus nqi, uas yog them los ntawm ib chav tsev ntawm lub pov hwm kho mob sum.

Cov nqi zog yuav tsum xws li tias nws yuav npog tau neeg pab leg ntaubntawv ntawm tus insured, thiab tsim reserves los npog lub tuam txhab them nqi ntawm ua lag luam, raws li tau zoo raws li muab cov nyiaj khwv tau.

Tus nqi ntawm kev tuav pov hwm cov kev pab cuam yog nyob rau ntawm qhov kev thov rau nws thiab rau tus nqi ntawm kev txaus siab nyob rau hauv bank deposits. Raws li nws muaj feem xyuam rau cov qauv ntawm cov qhov kev tuav pov hwm portfolio (set yam) thiab cov thawj tswj kev siv nyiaj.

Yog hais tias daim ntawv kho mob cov nqi yog teem los ntawm kev cai lij choj (centrally), lub yeem pov hwm kho mob tus nqi yuav xam los ntawm cov tuav pov hwm, nyob rau tib lub sij hawm nws ho muaj feem xyuam rau cov nyiaj txiag stability ntawm kev tuav pov hwm ua hauj lwm.

Nqi yog xam siv statistical thiab xaam txoj kev, uas yog lub npe hu ua actuarial suav. Lawv cia koj mus txiav txim qhov kev faib ua feem ntawm lub insured nyob rau hauv kev tuav pov hwm cov nyiaj. Xaiv ib tug vib this rau lub hauv paus ntawm lub pov hwm uas muaj feem yuav, lub sij hawm, xwm thiab nyiaj tau tshaj.

Tag nrho cov kev tuav pov hwm tus nqi yog feem ntau hu ua "tag nrho cov nqi". Nws muaj ib tug net-rate thiab load. Net tus nqi no muaj xws li pheej hmoo ua tus nqi (kev tuav pov hwm cov nyiaj) thiab pheej hmoo ua nyiaj (cia nyiaj). Lub load muaj tus nqi ntawm kev ua lag luam (profit) thiab cov kev tiv thaiv kev ntsuas.

Net nqi - qhov no yog ib feem ntawm tus tariff, uas yog raws kev coj kom lub tsim ntawm reserves rau yav tom ntej cov nyiaj them raws li qhov tshwm sim ntawm pov hwm xwm txheej. Vim pheej hmoo bets muaj nyob rau hauv nws ua rau tsim ntawm reserves rau kev tuav pov hwm them nqi. Reserve nyiaj, tsim ntawm cov nuj nqis ntawm kev pheej hmoo hli, yog tsim nyog nyob rau hauv qhov kev tshwm sim ntawm lub sij tooj ntawm tshaj tus neeg mob ntawm kev sib hais haum cov nyiaj them.

Load hu ua lub feem ntawm cov nyiaj uas yog muaj nyob rau hauv lub tuav pov hwm tus nqi mus them rau cov nqi ntawm kev ua lag luam, tus tsim ntawm cov nyiaj thiab creation ntawm tiv thaiv tuav pov hwm Fund.

Insurance yog nqa tawm yog ib lub zuj zus los yog nyob rau hauv ib tug collective daim ntawv. Nyob rau hauv lub caij nyoog kawg no cov ntaub ntawv, lub xam yog ua nyob rau hauv yooj yim to taub puav pheej tswvyim raws li nyob rau hauv lub sim cov ntaub ntawv.

Insurance nqi rau cov uas yuav hom (lwm yam tshaj li lub neej kev tuav pov hwm) yog xam rau lub hauv paus ntawm statistics los yog lwm yam ntaub ntawv rau ib hom ntawm kev tuav pov hwm.

Nyob rau hauv lub neej kev tuav pov hwm tariff net nqi yog txiav txim nyob rau hauv ib tug txawv txoj kev, raws li nyob rau hauv lub rooj. Gross tus nqi no muaj xws li ib lub hauv paus feem (net nqi) thiab thauj nws mus them rau cov nqi ntawm kev ua lag luam. Lub net nqi yog tseem ua los ntawm ob tug qhov chaw - cia tus nqi thiab cov kev pheej hmoo tus nqi (kev them nyiaj nyob rau hauv cov ntaub ntawv ntawm txoj kev tuag).

Insurance cov nqi rau cov CTP yuav teem centrally los ntawm cov Lavxias teb sab tsoom fwv, uas yog, lawv yog cov tib yam rau tag nrho cov kev tuav pov hwm tuam txhab uas muag. Qhov no txhais tau tias paub txog cov kev tam sim no yuav tsum tau pov hwm tsheb cov nqi, koj yuav tau manually xam tus nqi ntawm txoj cai rau ib qho kev tuav pov hwm daim ntawv cog lus. Nws yuav tsum tau borne nyob rau hauv lub siab hais tias, nyob rau hauv tas li ntawd mus tariffs, ntau lwm yam tseem ceeb muaj feem xyuam rau tus nqi ntawm txoj cai, xws li cov muaj hnub nyoog ntawm tus neeg tsav tsheb; tsav tsheb kev; tus xov tooj ntawm ua tib neeg tswj; lub cheeb tsam; tsheb yam ntxwv, thiab lwm yam Tariffs nyob rau hauv daim ntawv ntawm daim ntawv kho mob txawv nyob ntawm seb muaj mob nyob rau hauv lub thaum muaj xwm ceev kev tsav tsheb keeb kwm. Yog li CTP mis muaj xws li puag tus nqi khoo los ntawm nws cov ntau kho coefficients.

Lub tariff txoj cai ntawm kev tuav pov hwm tuam txhab uas muag raws li nyob rau hauv lub ntsiab cai nram no. Qhov no txoj ntsiab cai ntawm yus tus kheej-phem tshaj ua hauj lwm thiab lawv cov profitability, lub equivalence ntawm kev tuav pov hwm kev sib raug zoo ntawm tag nrho ob tog pom zoo muaj nqi rau txhua leej txhua tus thiab lawv stability rau ib ntev lub sij hawm.