Kev pov hwm menyuam yaus tiv thaiv kev raug mob thiab mob. Compulsory xwm txheej insurance rau me nyuam

2024 Tus sau: Howard Calhoun | [email protected]. Kawg hloov kho: 2023-12-17 10:28

Thaum tus menyuam yug los, tsev neeg lub neej hloov tag nrho. Tam sim no cov niam txiv tsis muaj lub luag haujlwm ntau rau lawv tus kheej, tab sis rau lub neej tshiab lawv tso rau hauv lub ntiaj teb no. Nyob rau hauv tus txheej txheem ntawm kev loj hlob, ib tug txiv neej me me feem ntau ntsib ntau yam kev phom sij thiab qhov xwm txheej tsis tau pom dua. Tias yog vim li cas tib neeg thiaj li nce cov lus nug tias nws yog ib qho tsim nyog los qhia txog kev tuav pov hwm cov me nyuam tiv thaiv kev raug mob. Tau kawg, nws yuav tsis cawm koj ntawm qhov xwm txheej txaus ntshai, tab sis txoj cai muaj peev xwm pab cov niam txiv tiv thaiv qhov tshwm sim.

Txawm li cas los xij, kev tuav pov hwm yuav tsum muaj ntau tus neeg tawm tsam - raws li qee tus kws tshaj lij, qhov no cuam tshuam rau qee cov cai ntawm tib neeg, vim txhua tus muaj cai txiav txim siab rau nws tus kheej seb nws xav tau kev pov hwm lossis tsis yog. Rau cov menyuam yaus, txog thaum lawv muaj hnub nyoog, qhov kev txiav txim siab no yuav tsum yog los ntawm niam txiv.

Leej twg xav tau txoj cai pov hwm

Txog hnub tim, kev pov hwm tawm tsamKev huam yuaj ntawm cov menyuam yaus hauv tsev kawm ntawv thiab hnub nyoog preschool yog ib qho kev yeem.

Kev xwm txheej yog qhov tshwm sim tsis tau pom dua, qhov tshwm sim tsis tau tshwm sim uas tsis nyob ntawm lub siab nyiam ntawm cov ntawv pov hwm, ua rau muaj kev noj qab haus huv tas mus li lossis ib ntus. Los ntawm cov lus hais saum toj no nws yog qhov tseeb tias txawm tias tsis muaj leej twg xav kom qhov xwm txheej no tshwm sim, txhua tus yuav tsum tiv thaiv nws tus kheej los ntawm nws qhov tshwm sim. Qhov no yog qhov tseem ceeb ntawm txoj cai tuav pov hwm - yog tias muaj qee yam tshwm sim rau koj tus menyuam, Vajtswv txwv, lub luag haujlwm, yam tsawg kawg nkaus, yuav muab rau koj los ntawm lub tuam txhab pov hwm.

nyiaj pov hwm menyuam yaus yuav raug them vim:

• raug mob - tau nqaij ntshiv, pob txha, pob txha thiab pob txha, kev puas tsuaj rau hauv nruab nrog cev;
• Kev noj qab haus huv tsis tu ncua - lom, hlawv thiab lwm yam kab mob zoo sib xws;
• kev tsis taus ntawm ib qib twg;
• kev tuag (tuag) ntawm tus menyuam yaus.

Daim ntawv cog lus pov hwm tuaj yeem xaus rau ntawm tus menyuam hnub nyoog txog 17 xyoo.

Subtleties of the child insurance contract

Koj tuaj yeem yuav txoj cai tam sim tom qab yug menyuam, daim ntawv cog lus tuaj yeem xaus rau ib xyoos lossis ntau xyoo. Nws feem ntau yog them nyiaj rau qhov xwm txheej uas tus menyuam raug kev txom nyem los ntawm qhov xwm txheej tsis tau pom dua thiab xav tau kev pab kho mob. Kev tuav pov hwm tsis them cov kab mob xws li SARS,tshwj tsis yog hauv cov xwm txheej uas tus kab mob tau tshwm sim los ntawm kev sib tsoo. Piv txwv li, yog tias tus me nyuam raug tshuaj lom thiab ua rau mob plab, lub tuam txhab pov hwm yuav them rau kev kho tus kab mob no.

Tsis tas li, kev pov hwm kev sib tsoo rau cov menyuam yaus hauv kev ua kis las kuj muaj qee yam nta. Ntawm no koj yuav tsum tau ceev faj heev, tshwj xeeb tshaj yog rau cov niam txiv uas nws cov menyuam koom nrog kev ua kis las - karate, football, boxing, gymnastics, thiab lwm yam. Qhov tseeb yog tias nws tseem ceeb npaum li cas cov xwm txheej tau sau tseg hauv daim ntawv cog lus. Ib qho kev xaiv yuav yog kev sib tw kev sib tw, uas yog pheej yig dua tab sis yuav tsis them tus nqi kho qhov raug mob thaum lub sij hawm kev cob qhia tsis tu ncua.

Txoj Cai. Lawv zoo li cas

Tam sim no cia peb tham txog qhov kev pov hwm kev nyab xeeb rau menyuam yaus tuaj yeem ua tau. Tag nrho VHI cov cai (kev tuav pov hwm kho mob yeem) tuaj yeem muab faib ua pawg nyob ntawm lub sijhawm siv tau, hnub nyoog ntawm tus menyuam, thiab, tau kawg, cov npe ntawm cov xwm txheej pov hwm.

Ib lub tsev tuav pov hwm yuav muab rau koj tsawg kawg ob txoj haujlwm:

• 24 teev txoj cai;
• kev tuav pov hwm ib ntus.

Raws li lub npe txhais, thawj qhov xwm txheej, txoj cai yuav them tus nqi kho tus menyuam raug mob thaum twg los xij ntawm hnub. Ib txoj cai ib ntus tiv thaiv koj tus menyuam, piv txwv li, nyob rau hauv cov xwm txheej zoo li no:

• yav tsaus ntuj, thaum taug kev;
• thaum mus kawm qee yam - chemistry, kev kawm lub cev, kev cob qhia ua haujlwm;
• rau lub sijhawm uas nyob hauv qib kindergartenlos yog tsev kawm ntawv;
• thaum mus saib ntu kis las.

Ntxiv rau qhov kev tuav pov hwm ib txwm muaj thiab txoj cai rau cov menyuam yaus koom nrog cov kis las, muaj lwm txoj haujlwm uas pab tiv thaiv koj tus menyuam tau ntau xyoo. Qhov no yog lub npe hu ua kev pov hwm vaj txiaj ntsim. Lub ntsiab ntawm qhov kev zov me nyuam yog raws li hauv qab no:

• Cov niam txiv nkag mus rau hauv daim ntawv cog lus mus sij hawm ntev nrog lub tsev tuav pov hwm, piv txwv li, txog thaum tus menyuam muaj hnub nyoog feem ntau;
• hli rau tag nrho lub sijhawm, cov niam txiv hloov me me uas tau teev tseg hauv daim ntawv cog lus rau tus account ntawm lub tuam txhab pov hwm;
• thaum lub sijhawm tshwm sim ntawm qhov kev pov hwm, lub tuam txhab them tus nqi kho tus menyuam thiab them tag nrho;
• yog tias tsis muaj dab tsi tshwm sim rau tus menyuam muaj ntawv pov hwm lub sijhawm tag nrho ntawm daim ntawv cog lus, piv txwv li txoj cai tsis muaj txiaj ntsig, lub tuam txhab them tag nrho cov nyiaj them los ntawm niam txiv.

Nws yog hom kev pov hwm no uas tau txais kev nyiam tshaj plaws niaj hnub no, vim nws tsis yog tsuas yog tiv thaiv tus menyuam xwb, tab sis kuj tso cai rau koj los ntsiag to khaws cov nyiaj zoo nkauj, piv txwv li, rau nws txoj kev kawm.

Kev pov hwm tsev kawm ntawv

Nws yog ib qho tseem ceeb tshwj xeeb rau kev pov hwm cov menyuam tiv thaiv kev raug xwm txheej thiab kev mob nkeeg thaum lawv mus ntsib cov tsev kawm ntawv. Txawm hais tias cov kws qhia ntawv muaj lub luag haujlwm rau tus menyuam hauv tsev kawm ntawv, lawv tsuas yog lub cev tsis muaj peev xwm taug qab ntau tus menyuam tib lub sijhawm. Koj puas tau pom ib tug me nyuam uas muaj peev xwm zaum ntawm ib qho chaw thaum lub sij hawm hu los ntawm zaj lus qhia los yog ib tug me nyuam uas yeej tsiskhiav ncig lossis tsis rub pigtails lossis ib lub hnab ntim ntawm nws tus kheej? Tej zaum muaj, tab sis qhov no yog qhov kev zam.

Yog vim li cas ntau lub tuam txhab pov hwm muaj cai tshwj xeeb uas lav kev tiv thaiv ntxiv rau koj tus menyuam thaum lub sijhawm kawm ntawv. Lub sijhawm ntawm cov cai no feem ntau yog xyoo kawm ntawv - 9 lub hlis. Lawv lav them nyiaj yog tias koj tus menyuam raug mob thaum nyob hauv tsev kawm ntawv, tab sis koj tus menyuam tsis muaj kev tiv thaiv ntawm txoj kev mus thiab los ntawm tsev kawm ntawv.

nqi txoj cai

Kev pov hwm kev raug mob rau menyuam yaus tuaj yeem suav nrog ntau yam khoom txaus ntshai. Tus nqi ntawm txoj cai yuav nyob ntawm lawv tus lej. Qhov ntau koj xav kom suav nrog hauv daim ntawv cog lus, qhov ntau koj yuav tau them.

Tus nqi ntawm txoj cai pov hwm tuaj yeem pib ntawm 100-150 rubles ib hlis, qhov siab tshaj plaws tuaj yeem yog 20-30 txhiab rubles ib xyoos lossis ntau dua. Yuav xaiv dab tsi thiab them npaum li cas - koj txiav txim siab.

Yuav txo tus nqi ntawm txoj cai

Raws li koj twb tau nkag siab lawm, kev pov hwm kev raug mob rau cov menyuam yaus thiab cov menyuam kawm ntawv tuaj yeem pheej yig thiab kim heev. Yog tias koj tsis luv ntawm cov nyiaj, zoo heev. Thiab ua li cas rau cov neeg uas xav kom them nyiaj rau lawv tus menyuam, tab sis tsis yog nyiaj txiag nplua nuj? Muaj ob peb txoj hauv kev los txo tus nqi ntawm txoj cai. Nov yog qee qhov ntawm lawv:

1. Sim npaj kev tuav pov hwm ua ke, piv txwv li, tham nrog niam txiv thiab pov hwm txhua lub sijhawmChav kawm. Hauv qhov no, koj tuaj yeem suav rau qhov luv nqi tseem ceeb.
2. Ua tib zoo nyeem daim ntawv cog lus thiab tshem tawm cov khoom uas tsis haum koj. Piv txwv li, ntau lub tuam txhab suav nrog kev txhaj tshuaj tiv thaiv kab mob lossis kev kho mob txhua hli hauv daim ntawv cog lus.
3. Tsis suav cov kev pabcuam kho hniav los ntawm cov ntawv pov hwm - nws kim heev, nws yooj yim dua yog tias koj xav kho lawv tus kheej.
4. Ua tib zoo saib rau franchise - qhov no yog qhov tsawg kawg nkaus, cov nqi uas tsis tau them rov qab. Piv txwv li, yog hais tias tus txiav tawm yog 500 rubles, thiab kev kho mob ntawm ib tug bruise yog pheej yig dua, ces lub tuam txhab pov hwm yuav tsis tshuav koj dab tsi. Yog hais tias tus nqi kho mob, piv txwv li, 800 rubles, ces txoj cai yuav them rau qhov sib txawv xwb - 300. Yog tias tsis muaj kev txiav tawm, kev tuav pov hwm tus nqi ntau dua.

ntau npaum li cas koj tau txais

Kev pov hwm kev nyab xeeb rau menyuam yaus muab ib feem lossis tag nrho cov txiaj ntsig, txhua yam nyob ntawm qhov mob hnyav. Qhov nyiaj them siab tshaj plaws feem ntau yog muab thaum muaj kev tsis taus lossis tuag. Tau kawg, qhov tsawg dua tus nqi ntawm txoj cai, qhov nyiaj pov hwm them nqi qis dua yuav yog. Nws tuaj yeem kwv yees kwv yees li hauv qab no - tus nqi ntawm txoj cai yog kwv yees li ntawm 0.5 txog 1.5% ntawm cov nyiaj them poob haujlwm thaum muaj xwm txheej pov hwm. Txawm li cas los xij, muaj txoj cai tsis hais - qhov nyiaj raug liam tsis tuaj yeem ntau dua 2 lab rubles.

Yuav ua li cas thiaj tau txais kev them nyiaj pov hwm

Kev them nyiaj rov qabraws li kev pom zoo nrog ib lub tuam txhab pov hwm tsis yog nyob ntawm seb muaj pes tsawg daim ntawv cog lus zoo sib xws tau xaus nrog lwm lub tsev. Qhov no txhais tau tias koj tuaj yeem yuav txoj cai hauv ob lossis peb lub tuam txhab sib txawv, thiab tom qab tshwm sim ntawm qhov kev pov hwm, tau txais cov nyiaj them poob haujlwm hauv txhua tus.

Kev pov hwm kev nyab xeeb rau menyuam yaus feem ntau muab tias txij li lub sijhawm muaj xwm txheej, koj yuav tsum ceeb toom rau lub tuam txhab txhua txoj kev muaj rau koj hauv peb hnub.

Yuav kom tau txais kev them nyiaj, koj yuav tsum muab rau UK:

• kev pom zoo;
• txoj cai tswj hwm;
• daim ntawv lees paub qhov tshwm sim ntawm qhov xwm txheej pov hwm.

Cov ntaub ntawv no muaj xws li:

• daim ntawv pov thawj los ntawm chav xwm txheej ceev;
• kho mob los ntawm daim npav kho mob lossis tus neeg mob sab nraud;
• lees paub ntawm pawg kws kho mob tshwj xeeb ntawm kev teem sijhawm ntawm kev tsis taus ntawm txhua pawg;
• daim ntawv pov thawj tuag ntawm kev tuav pov hwm (copy + original).

Tsis tas li, lub tuam txhab pov hwm yuav thov cov ntaub ntawv ntxiv uas lees paub qhov tshwm sim ntawm kev pov hwm.

Yuav ua li cas kos daim ntawv cog lus

Kev pov hwm xwm txheej rau menyuam yaus, nrog rau lwm yam kev pov hwm, yog qhov teeb meem yooj yim. Koj yuav tau ua raws li cov kauj ruam yooj yim:

• xaiv lub tuam txhab pov hwm;
• Ua tib zoo kawm tag nrho cov kev xaiv thiab cov xwm txheej rau kev pabcuam (kev sib tham ua ntej tuaj yeem tau txais hauv xov tooj lossis los ntawm kev mus saib lub tuam txhab lub vev xaib);
• xaivqhov kev pab cuam uas tsim nyog;
• Npaj cov ntaub ntawv tsim nyog rau qhov xaus ntawm daim ntawv cog lus (feem ntau tsuas yog daim ntawv hla tebchaws thiab daim ntawv pov thawj hnub yug ntawm tus menyuam xwb);
• xaus daim ntawv cog lus thiab them rau nws.

Raws li koj tuaj yeem pom, txhua yam yooj yim heev thiab hauv kev xyaum nws tsis tshua siv sijhawm ntau tshaj li ib nrab teev.

Xaiv kev tuav pov hwm

Yog tias koj tseem txiav txim siab tshem tawm kev pov hwm kev nyab xeeb rau koj tus menyuam, kev tshuaj xyuas ntawm cov neeg uas twb tau siv cov kev pabcuam ntawm lub tuam txhab pov hwm tshwj xeeb yuav pab koj xaiv qhov raug. Dab tsi los saib rau:

1. Xaiv lub koom haum nrog cov ntaub ntawv pov thawj, nyeem cov kev tshuaj xyuas txog nws los ntawm lwm tus neeg siv khoom. Tshwj xeeb tshaj yog them rau qhov tsis zoo - nws yog nyob rau hauv lawv tias txhua qhov "pitfalls" feem ntau tau piav qhia.
2. Ua ntej xaus daim ntawv cog lus, rov xav dua thiab sim ntsuas qhov tsis ncaj ncees ntawm tus kheej ntawm koj tus menyuam. Yog tias koj tus menyuam yog ib tus neeg nquag uas tuaj yeem nyob hauv plaub qhov chaw tib lub sijhawm, xaiv ib qho kev pabcuam uas npog txhua qhov kev pheej hmoo ntau li ntau tau. Yog tias koj muaj hmoo txaus kom muaj tus menyuam muaj qhov nruab nrab lossis qib qis ntawm kev ua si, ib qho kev pab cuam nrog cov txheej txheem yooj yim yog qhov zoo.

Ib txhia niam txiv flippantly ntseeg hais tias kev tuav pov hwm tus me nyuam yog ib tug nkim nyiaj. Yog lawm, peb txhua tus cia siab tias tsis muaj dab tsi phem yuav tshwm sim rau nws, cia nws tus menyuam nyob ib leeg. Txawm li cas los xij, nws yog qhov zoo dua los tiv thaiv tus menyuam kom tsis txhob raug xwm txheej ntau li ntau tau.