During the crisis, enterprising insurers in Russia began to offer the public policy against unemployment. They cost money, and payments on them are made only to force the boot ..
According to Rosstat, only in June this year were 318 400 unemployed Russians. According to the Federation of Independent Trade Unions of Russia, the fall could lose another 400 of the 000.
lose his job unpleasant. Especially if there are no other sources of income and must pay the loan. Those who wish to receive material support in the event of dismissal, some insurance companies this year have begun to offer specific policies against loss of work.
For example, the FAC and the insurance company Uveren.ru in Yekaterinburg anyone (unless, of course, he meets the requirements of the insurer) can buy such a policy.
lost their jobs FAC customer will pay the amount of monthly income for a specified period of time, said deputy general director Elena Venevtseva FAC. In Uveren.ru promise to issue the insurance reimbursement unemployed at a time.
Additional facilities available to the borrowers. Thus, anyone with a credit in cash or credit to purchase goods in the trading network can buy insurance in the UK Stensinvest group Dzheneralli PPF. A service recipient personal loans Alfa-Bank's policies Alfastrahovanie-life.
Borrowers Bank24.ru (consumer credit) can also be insured in Uveren.ru. Here is insured not the client's income, but payments on the loan for a certain period of time, stresses the deputy director of Stensinvesta Tatiana Landa.
dismissed on his own will not get
Reimbursement of insurance policy against loss of employment shall be paid only in the event of dismissal or reduction of permanent employment by the employer, as well as its liquidation or bankruptcy. But from the resignations will not be insured. Does not apply to cases of insurance and reduce the income, for example because of reduced work week, as well as the probationary period, emphasizes the director of insurance company Uveren.ru Dmitry Astafjev.
None of the insurers do not sell the policy are given notice of dismissal. Customers of insurance companies to sign a document of a lack of notification and provision of false information - the refusal to guarantee the payment of insurance.
On the Labor Code the employer is obliged to inform the employee of termination of not less than two months. Therefore, this insurance only recognize dismissal which occurred no earlier than two months after buying the policy, but Alfastrahovanie-life and Uveren.ru - in three months.
Insurers also restrict the range of potential customers by age, seniority and level of income (for the requirements of banks). For example, in Alfastrahovanie-life does not sell a policy person under 25 years old, with an income of less than 15 000 rubles. per month, as well as experience in the last one year.
but ensures that the person who designed the work for the indefinite contract with PBOYUL. But Uveren.ru does not insure PBOYUL employees and companies with a staff of less than 30 people, as well as clients over 50 years of age or those with experience of working in the company - less than one year.
insurance issue is not just
Despite a lot of limitations, the value of policyholders in the event of loss of work is very impressive. It may be, and 7% of income, and more than 10% of the loan.
And this is not their only shortcoming. Receive payment of sacked begin only after the waiting period - two to three months from the date of dismissal. The entire period under the Labor Code the employer is obliged to pay a reduced employee justifies fellow deputy director Alfastrahovanie-life Artashes Sivkov.
Furthermore, in order to receive reimbursement, the insurer will have to provide documents about the dismissals, register for a job and a monthly basis to bring out information, stresses Landa. If the client will be able to find a job during the waiting period, payments would not even recognize Sivkov and Landa.
Only Uveren.ru promise to pay the full insurance, regardless of the availability of new work and do not require a certificate from the Exchange. We made a lump payment of salary for four months, - explains Astafjev.
In Russia there is little withdrew the reduction : the employee are to part with the employer by agreement of the parties or on their own initiative - in which case he could actually lose benefits - fears Managing Director UK The Renaissance Life Oleg Kiselev.
Because insurance borrowers do not fully cover the risk of unemployment, in addition to interest on the loan to pay for part-time protection is not much point, said Chief Financial Officer universal financial adviser Artem Plotnikov. But, according to insurers, many borrowers do not agree with him. For two weeks, approximately 20% of new borrowers, personal loans Alfa Bank bought policies from job losses, said Sivkov. Now the demand for product has increased markedly, said Helen Venevtseva of the FAC.
At what price sell mansions Medoffa?Merkel has promised to tighten control over bankTariff policy in the energy sector - a stumbling block for the economyBella Ciao *One-third of Russian companies on the sale of clothing will go to market before the end of the yearProducts without the labeling of the contents of GMOs are subject to a fineBuilders not authorized by the Cabinet of Ministers considered the price to purchase housing GIU readily over 70% for transmission to the beneficiariesHouse-cubes, or share tomorrowWho works in Europe, most of all?
In Russia, offering insurance against unemployment
During the crisis, enterprising insurers in Russia began to offer the public policy against unemployment. They cost money, and payments on them are made only to force the boot ..
According to Rosstat, only in June this year were 318 400 unemployed Russians. According to the Federation of Independent Trade Unions of Russia, the fall could lose another 400 of the 000.
lose his job unpleasant. Especially if there are no other sources of income and must pay the loan. Those who wish to receive material support in the event of dismissal, some insurance companies this year have begun to offer specific policies against loss of work.
For example, the FAC and the insurance company Uveren.ru in Yekaterinburg anyone (unless, of course, he meets the requirements of the insurer) can buy such a policy.
lost their jobs FAC customer will pay the amount of monthly income for a specified period of time, said deputy general director Elena Venevtseva FAC. In Uveren.ru promise to issue the insurance reimbursement unemployed at a time.
Additional facilities available to the borrowers. Thus, anyone with a credit in cash or credit to purchase goods in the trading network can buy insurance in the UK Stensinvest group Dzheneralli PPF. A service recipient personal loans Alfa-Bank's policies Alfastrahovanie-life.
Borrowers Bank24.ru (consumer credit) can also be insured in Uveren.ru. Here is insured not the client's income, but payments on the loan for a certain period of time, stresses the deputy director of Stensinvesta Tatiana Landa.
dismissed on his own will not get
Reimbursement of insurance policy against loss of employment shall be paid only in the event of dismissal or reduction of permanent employment by the employer, as well as its liquidation or bankruptcy. But from the resignations will not be insured. Does not apply to cases of insurance and reduce the income, for example because of reduced work week, as well as the probationary period, emphasizes the director of insurance company Uveren.ru Dmitry Astafjev.
None of the insurers do not sell the policy are given notice of dismissal. Customers of insurance companies to sign a document of a lack of notification and provision of false information - the refusal to guarantee the payment of insurance.
On the Labor Code the employer is obliged to inform the employee of termination of not less than two months. Therefore, this insurance only recognize dismissal which occurred no earlier than two months after buying the policy, but Alfastrahovanie-life and Uveren.ru - in three months.
Insurers also restrict the range of potential customers by age, seniority and level of income (for the requirements of banks). For example, in Alfastrahovanie-life does not sell a policy person under 25 years old, with an income of less than 15 000 rubles. per month, as well as experience in the last one year.
but ensures that the person who designed the work for the indefinite contract with PBOYUL. But Uveren.ru does not insure PBOYUL employees and companies with a staff of less than 30 people, as well as clients over 50 years of age or those with experience of working in the company - less than one year.
insurance issue is not just
Despite a lot of limitations, the value of policyholders in the event of loss of work is very impressive. It may be, and 7% of income, and more than 10% of the loan.
And this is not their only shortcoming. Receive payment of sacked begin only after the waiting period - two to three months from the date of dismissal. The entire period under the Labor Code the employer is obliged to pay a reduced employee justifies fellow deputy director Alfastrahovanie-life Artashes Sivkov.
Furthermore, in order to receive reimbursement, the insurer will have to provide documents about the dismissals, register for a job and a monthly basis to bring out information, stresses Landa. If the client will be able to find a job during the waiting period, payments would not even recognize Sivkov and Landa.
Only Uveren.ru promise to pay the full insurance, regardless of the availability of new work and do not require a certificate from the Exchange. We made a lump payment of salary for four months, - explains Astafjev.
In Russia there is little withdrew the reduction : the employee are to part with the employer by agreement of the parties or on their own initiative - in which case he could actually lose benefits - fears Managing Director UK The Renaissance Life Oleg Kiselev.
Because insurance borrowers do not fully cover the risk of unemployment, in addition to interest on the loan to pay for part-time protection is not much point, said Chief Financial Officer universal financial adviser Artem Plotnikov. But, according to insurers, many borrowers do not agree with him. For two weeks, approximately 20% of new borrowers, personal loans Alfa Bank bought policies from job losses, said Sivkov. Now the demand for product has increased markedly, said Helen Venevtseva of the FAC.
At what price sell mansions Medoffa?
Merkel has promised to tighten control over bank
Tariff policy in the energy sector - a stumbling block for the economy
Bella Ciao *
One-third of Russian companies on the sale of clothing will go to market before the end of the year
Products without the labeling of the contents of GMOs are subject to a fine
Builders not authorized by the Cabinet of Ministers considered the price to purchase housing GIU readily over 70% for transmission to the beneficiaries
House-cubes, or share tomorrow
Who works in Europe, most of all?