Inshorar wasanni

Ayyukan wasanni suna ɗauke da haɗarin rauni. Inshorar 'yan wasa ba ta kariya daga rauni, amma tana biyan diyyar asarar kuɗi idan akwai matsalolin lafiya. Inshora ya dace da waɗanda ke horar da kansu ", har ma fiye da haka - ga waɗanda ke horarwa a hukumance.

Shin ana buƙatar inshora ga 'yan wasa a Tarayyar Rasha?

Ko ka yi horo a gida ko ka je gidan motsa jiki, kai ne ke da alhakin rashin samun wadatar lafiyar kuɗi. Dangane da kungiyoyin wasa ko kulake, lamarin ya sha bamban. Ba tare da dokar inshora ba, ba za a ba ku ko ɗanku damar yin wasanni ba.

Wannan gaskiyane ga matakin mai son, har ma fiye da haka ga masu sana'a. Inshorar tilas akan haɗari da ɗaliban makarantar wasanni. Amma kawai don lokacin gasa.

Inshorar 'yan wasa don horo da gasa sharadi ne a cikin Tarayyar Rasha. Kuma idan a wasu lokuta yana yiwuwa a yi horo ba tare da wata manufa ba, to ya zama dole a yi gasa ta hanyar kulla yarjejeniya da ɗayan kamfanonin inshora.

Babban wasanni wanda ake buƙatar inshora

Jerin wasannin da ke buƙatar inshorar tilas dole ne. Jerin ya hada da:

Matsanancin wasanni a cikin yanayin inshora suna haɓaka da fasali da yawa. Daga cikin karshen:

• haɓaka haɗarin rauni na yau da kullun;
• karin kudaden inshora;
• karin kudaden inshora;
• babban canji na sharuɗɗan inshora - daga sa'o'i da yawa zuwa shekara.

Daga cikin haɗarin inshora da ke haɗuwa da matsanancin wasanni:

• inshora na farashin likita da na sufuri;
• inshorar alhaki na jama'a; wannan ya hada da rufe farashin wasu kamfanoni da suka samu rauni sakamakon ayyukan dan wasa (alal misali, idan mai hawa dusar kankara ya fado kan kadarorin wani na uku).

Nau'ikan inshora ga 'yan wasa a cikin Tarayyar Rasha

'Yan wasan da ke cikin kowane irin wasanni da aka bayyana na iya fitar da manyan zaɓuɓɓuka 2 don manufofin inshora: shekara-shekara da kuma gasa.

Inshorar shekara-shekara

Ya rufe shari'o'in da suka shafi horo, sansanonin horo, zanga-zanga da gasa. Manufofin suna aiki har shekara guda.

Inshorar gasar

Inshora ce ta tilas ga 'yan wasa waɗanda ke ɗaukar hallara a kowane taron wasa. Inganci yayin na karshe; ana bayar da manufofin ne daban-daban da kuma don kungiyar wasanni.

Wanne zaɓi ya fi dacewa ya dogara da wasanni, tsarin wasanni da kuma matsayin haɗari ga 'yan wasa (s). Nau'in bala'i yana nuna bukatar inshorar shekara-shekara. Wasannin da babban haɗarin lafiyar ke faruwa yayin lokacin gasa shine dalilin ƙulla yarjejeniyar inshora na iyakantaccen lokaci. Har ila yau zaɓin yana da tasirin tasirin kuɗin 'yan wasa. Ga ƙungiyoyin wasanni, waɗanda membobinsu suke da kima sosai, koda ƙananan haɗari na iya haifar da asara mai yawa. Sabili da haka, halin game da inshorar 'yan wasa na musamman ne.

A cikin manyan zaɓuɓɓukan inshora, akwai nau'ikan inshora 3:

• inshorar 'yan wasa daga haɗari;
• inshorar likita na tilas;
• inshorar likita na son rai

Inshorar haɗari

A cikin Rasha, ba za ku sami damar shiga ɓangaren wasanni ba, ko, ƙari ma, don shiga cikin abubuwan wasanni, idan babu wata manufar da ke tabbatar da haɗarin haɗari (NC). Wannan nau'in inshorar yana haɓaka kwangilar inshorar likita na tilas kuma yana aiki azaman ƙarin ragin kuɗi a yayin rauni ko wata lahani ga lafiya.

Dangane da manufofin NA, ana iya samun diyya ta kayan abu a ɗayan abubuwa uku:

• Game da nakasa na ɗan lokaci. A wannan yanayin, an tabbatar wa dan wasan inshora ya sami fa'idar inshorar yau da kullun idan aka sami rashin aiki na ɗan lokaci. Za'a iya samun rauni a duka horo da kuma gasa. Baya ga biyan kuɗi na yau da kullun, akwai wani zaɓi - karɓar lokaci ɗaya na adadin da aka riga aka amince da shi, wanda aka ƙayyade ƙimar ta gwargwadon teburin da ya dace. Tiedayyadadden takamaiman adadin an haɗa shi da tsananin raunin kuma ya bambanta tsakanin 1-100% na adadin da aka tsara a cikin kwangilar.
• Game da tawaya (idan naƙasa ne). Inshorar 'yan wasa don horarwa da gasa ta wannan nau'in shine ke ƙayyade diyya ta ƙarshe idan lamarin rauni ya haifar da nakasa. Adadin biyan kuɗin abu ya dogara da yanayin kwangila da tsananin raunin - adadin diyya ya kasance 60-90% na matsakaicin da aka ƙayyade a cikin manufar.
• Game da mutuwa. Inshorar rai ga 'yan wasa ta tanadi diyyar kayan aiki dari bisa dari daidai da adadin da aka amince da shi a yarjejeniyar. Kamfanin inshorar yana biyan kuɗi ga dangin mamacin dan wasan ko magadansa na doka.

Dokar inshorar lafiya

Gasar likitanci ta tilasta ita ce babban nau'in inshorar likita a cikin Tarayyar Rasha. 'Yan wasa galibi' yan kasar Rasha ne, don haka wannan inshorar ba ta da nasaba da wasanni kai tsaye. Taron inshora ya ƙunshi samar da kulawar lafiya kyauta a cibiyoyin likitancin ƙasar da kuma biyan diyya ta hanyar biyan kuɗin wata ɗaya ko na lokaci ɗaya.

Bugu da kari, rashin aiki ga aiki shi ne dalilin da ya sa ake biye da shi da kuma biyan magani, zamantakewar jama'a da kuma sana'ar gyara. Duk kamfanin inshora ya rufe duk ko halin kaka.

Inshorar lafiya na son rai

Inshorar kiwon lafiya na son rai tana ɗaukar nauyin gyara aikin likita a cibiyoyin kiwon lafiya da aka biya. An nuna nau'ikan lalacewar kiwon lafiya da jerin cibiyoyin kiwon lafiya a cikin yarjejeniyar inshorar.

Me za a yi yayin da abin inshora ya faru?

yaya dagaShin ana aiwatar da inshorar lafiya na 'yan wasa a aikace? Idan haɗari ya faru, dole ne:

• nemi taimako daga likita kuma ka tambaye shi ya rubuta abin da ya faru na inshorar lamarin;
• sanar da kamfanin inshora da wuri-wuri game da abin da ya faru; kuna buƙatar yin wannan a cikin kowane tsari (daga ƙayyadaddun manufofin);
• bi shawarwarin ma'aikatan kamfanin inshorar game da ƙarin ayyuka; kwararru za su sanar da kai irin takaddun da ake bukatar samarwa da kuma irin matakan da za a dauka.

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Inshora don gasa a ƙasashen waje

Inshorar rauni don 'yan wasan da ke tafiya a wajen Tarayyar Rasha na buƙatar inshora na musamman. Idan kayi sakaci da wannan, zaka biya kudin kula da lafiya daga aljihunka. Standarda'idar Yarjejeniyar ba ta shafi raunin da aka samu a yayin wasanni ko horo ba. Akwai manyan nau'ikan manufofin inshora guda 3 don athletesan wasa masu tafiya zuwa horo ko gasa a ƙasashen waje.

Babban inshorar lafiya

Inshorar 'yan wasa ta fara ne da rajistar likita, gama gari ga kowa, manufofin. Wannan inshorar asali ce da ke ɗaukar kuɗin likita a ƙasashen waje. Don samun damar biyan diyya na ayyukan kiwon lafiya da suka shafi wasanni, ya zama dole a yiwa wani nau'in wasanni alama a sashen da ya dace da manufar.

Idan ya kamata ya shiga cikin fannoni daban-daban na wasanni ko ba a san wane irin wasanni za a yi ba, ya kamata a lura da matsakaicin adadin abubuwan da ake tsammani.

Na dabam, kowane wasa yana sa farashin inshora ya yi nauyi ta wani ma'auni. Amma lokacin zaɓar nau'ikan da yawa, ba a taƙaita masu haɓaka ba - an ƙara mafi girma a cikin inshora na asali. Misali, idan wasanni X yana da coefficient na 5, da kuma Shin - 3, to ba a kara karshen ba, tunda X Kara.

Inshora ga 'yan wasa a gasa ko horo a ƙasashen waje yana da alaƙa da haɗari iri-iri. Sabili da haka, masana sun ba da shawarar cewa 'yan wasa sun haɗa da irin waɗannan zaɓuɓɓuka a cikin kwangilar (ɗaya ko fiye, dangane da yanayin):

• fitarwa ta jirgin sama mai saukar ungulu; yana da ma'ana ga waɗanda zasu kasance daga wayewa;
• taimako na exacerbations na kullum cututtuka; galibi duka, wannan ya dace da "siloviki" - hauhawar nauyi sau da yawa ana haɗuwa da irin waɗannan matsalolin;
• tafiya da masauki na wasu kamfanoni; mai hankali yayin inshorar yara ('yan wasa) - iyayen da ke tura yara zuwa ƙasashen waje suyi amfani da wannan zaɓi;
• ayyukan bincike da ceto; an ba da shawara ga waɗanda ke cikin matsanancin wasanni;
• tuki abin hawa (moped / babur / babur); zaɓi mai ma'ana ga waɗanda suke son samun masaniya da ƙasar waje.

Inshorar haɗari a ƙasashen waje

Hakanan ana buƙatar wannan zaɓin kuma yana haɓaka inshorar lafiya na asali. A wannan yanayin, a cikin mawuyacin hali, ɗan wasa na iya dogara da diyya don tsadar kayan da ke haɗe da wasanni.

Biyan kuɗi suna kama da waɗanda aka bayyana a cikin sashin inshorar 'yan wasa a Rasha:

• akan farawar nakasa na wani lokaci;
• akan farawar nakasa;
• a farkon mutuwa.

A kowane hali, yanayin kuɗi a cikin kashi ɗari ma iri ɗaya ne.

Inshorar alhaki na jama'a

Babu wanda ya inshora game da yuwuwar matsalolin da suka shafi lalata kayan wani ko cutar da lafiyar baƙi. Amma yana yiwuwa kuma ya zama dole don inshora akan buƙata don biyan kuɗin da ke tattare da abin da ya faru. Wannan gaskiyane don tafiye tafiye zuwa ƙasashen waje.

Abin da ya faru na inshora a ƙasashen waje

Me za a yi idan inshorar 'yan wasa don horo ko gasa ba ta kasance a banza ba kuma wani inshora ya faru yayin ƙasar waje? Bi umarnin:

• tuntuɓi kamfanin tallafi ka sanar da mai shiga tsakani tsakaninka da mai inshoranka game da abin da ya faru; Tabbatar da sanar game da sabawa ga wasu magunguna, idan akwai;
• samar da bayanan - cikakken suna, lambar siyasa, sunan Burtaniya, wurin wanda abin ya shafa da lambar waya don tuntuɓarku;
• yi abin da ma'aikatan kamfanin taimakon suka fada maka - mai shiga tsakani dole ne ya sanar da inda da yadda ake neman taimakon likita da kuma ko inshorar zai biya kudin safarar; tabbatar da adana duk takaddun da ke tabbatar da gaskiyar abin hawa, hanyarsa da tsadar ta;
• yayin da kake cikin asibitin, biya kawai don ayyukan da aka yarda dasu tare da mai shiga tsakani;
• adana duk takaddun da ke biye don tabbatar da kuɗin ku a asibitin likita; idan aka biya kudin don aikin likita a tsabar kudi, dan wasan da ya ji rauni zai bukaci karba sannan daga baya ya ba inshorar da rasit da kuma tabbatar da biyan su, da kuma rahoton likita da ke nuna cutar.

Kalli bidiyon: Damben jihar kano Autan Ali da bahagon Zayyanu sun fafata kazamin dambe (Nuwamba 2024).