I '' A u' 7. - Alfa-Garant · 1.8. B qr,tx llpaeurax crpaxoei reprr,tiHr ra B[3HaqeHHn posyrvrioru...
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Transcript of I '' A u' 7. - Alfa-Garant · 1.8. B qr,tx llpaeurax crpaxoei reprr,tiHr ra B[3HaqeHHn posyrvrioru...
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. fiPEMETAOTOBOPycTPAXyBAHHfl
n oPnfroK BrcHAq EH Hfl P 03 Mt Py, CTPAXOBUX CYM TA PO3MIPIBCTPAXOBUX BUNNAT
I iTPAXOAUUpusuxrecrpaxoauu'' gune,qoK
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A oTPAXOB\TAPuau.crpexoauuu' nnAnil(
7. crloK rA MtcqE At|goroaoevCTPAXYBAHHfl
8 noPnAOK yKnMAHHn AoroBoPy
CTPAXYBAHHg
.) NPABATA OEOB'fl3K44 CTOPIH
. J gi crenxveentHuKA npt4 HA;TAHH:' }TPAXOBOTO BUnMKy
n E P_EI\ I K EO Ky M E HT I B, t4 o.. nqTBEpptutorauecrAuun?TPAXOBOT, BUnMKy
TA PO3MIP 36UTKIB
.2 noPfrAOK tyMoBu sgtucueuun- CTPAXOBI4X BUNNAT
CTPOK NPUNUNTTN PilJIEHHfl NPO'i sgttlcueuun eso atguo:aib " -
sgucueuru crpaxobux euiner.! nPnquHu BTAMOBU y BunflATt
?TPAXOBOT? BHA KOAy BAH Hn
.: IaPflEOKBHECEHHfl 3MtH ByMoBU" froroBoPy ?TPAWBAHHfl
.: yMoBunPunilHEHHflEO1OBOPy. CTPAXYBAHHfl
noPnAOK Bt4PtUEHHfl CnoPB'a ocoEfinilyMoBu
AOAATOK 1. iasoei mapugun o dodpoe in rH oM y cm p axye aH Hpc,n bcbroe ocn od a pcuoi n p od yxq li (n o c ie i(nocadox), ypoKap c in rcaxoe'ocnoi riru urKyn bmyp i 6ae a m opiw ux n ac adxen t)
AOfrATOK 2. iasoei mapugun pu do6 poe in bH oM y cm paxye a x n ic in rc s xoe oc n od a pc,,rl oi' n p od yru4 ii (m e a p u n)
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1.3ATANbHI NOflOXEHHfl
1.1. l-li [lpaar,lna 4o6poainunoro crpaxyBaHHn cinucuxorocnogapcuroi npogyxqii (4ani - t-ipas7na)- -::5reui ai4noaigHo Ao Bt4Mor l-lraeinuHoro KoAeKcy YxpaiHr, 3axoHy YrpaiHr,l onpo cipaxyBaHHfl).
1.2.Ha nipcraai qrx [lpaann Toeaprcrao 3 AoAarKoBorc aignoeiganuHicro CrpaxoBa xovnaxiR <AnuSa-
-l: =-rr> (gali - Crpaxoarx), yxnagae [oroeopr,t po6poainunoro crpaxyBaHHs cinucuKorocnoAapcuxoi' npo4yxqii
:-=- )) (/.larll - urpaxoBt4K), yKnaAae AolOBOpt4 pobpoainuuoro crpaxyBaHHs cinucuKorocnoAapcuxoi'npo4yxqi:: - - loroaopr crpaxyBaHHn) s ropr,tANv HtAMt/1Ta piesgarHrur QisravHraur oco6aur - crpaxyBarbHilKaMil.
1.3. CrpaxyBanbH[KaMn Bil3Haprbcn roprgrvri oco6ra ra 4ies4arni SisravHi o.o6r, nxi yxnanr si-: : (oBilKaMil loroeopr,t crpaxyBaHHF.1.4. floroaip crpaxyBaHHfl - nilcbMoBa yroAa n,tix CrpaxoBr/KoM iCrpaxyaanbHilKoM, eripHo 3 FKoroIJ
_t'10_tT_ 6:p: Ha ce6e go6os'ssasHs y
_pasi HacraHHF crpaxoBoro BrnaAKy sgiircutrttu crpaxoBey pdrt Hdu I irHHH c tpaxoBoto BrnaAKy 3E,|^CHIAI!A CTpaxoBe:-ioAyBaHHn CrpaxyaanbHilKy a6o iuuir,t oco6i, sr4gHaveHira y loroaopi crpaxyBaHH, Crpa*yranbHilKoM, Ha:-"3Tb cKoi yKnaAeHo loroaip crpaxyBaHHff, Ha yMoBax, Br43HaqeHilx y gororopi crpaxyaaHHn, apr cTpaxyBaHHH, a
--:axyaansHrx goOos'ssyerbcfi cnraqyBaril crpaxoai nnarexi y Br43HaqeHi crpoxr,l Ta BhKoHyBaru iHrui yMoBr4_:-lB0py crpaxyBaHHfl.
1.5. Oaxr yKnaAeHHff loroeopy crpaxyBaHHfl Moxe nocai4qyaarficn crpaxoBr,lru cei4oqraou (nonicoN,:=:-r,rSixaroM), u_io e Soprvroro floroaopy crpaxyBaHHff.
1.6. Vft/loeil crpaxyBaHHfl Bl43HaLlaprbcff npta yma4auxi loroaopy crpaxyBaHHn iruoxyru 6yrr srviHeHi="<rrcqeui a6o AonoaHeHi) ra 3roAolo cropiH Ao HacraHHF crpaxoBoro BhnaAKy 3a yMoBr4, qo raxi guir-, He
_ , -epeqarb 3aKoHoAaBcrsy Yr<paiHta.
1.7. floroaip crpaxyBaHHfl Moxe ruicrnrr iHui nonoxeHHfl, rqo He nepeg6aveHi qrur lpaernarrrr, flKrqo-l';i nonoxeHHr ei4noaiAaprb t-lllM [lpaet,tnaur i He cynepevarb 3aKoHoAaBcrBy vxpaiHn.1.8. B qr,tx llpaeurax crpaxoei reprr,tiHr ra B[3HaqeHHn posyrvrioru rax:BuroAona6yBaq - (Aani - BrarogoHa6yeav) QisrtvHa qh CIpilAr4qHa oco6a, eKa Moxe sa3Harfi a6rarxia y:=:ynurari HacraHHfl crpaxoBoro BilnaAKy, npil3HaLreHa CrpaxyeanuHIKoM npil yua4auHi floroaopy
_ - : axyBaHHF Anfl oTpilMaHHfl crpaxoBoro aigutxogyBaHHfl ;
fioroaip crpaxyBaHHe - nrcbMoBa yroga urix CrpaxyeanuHrKoM i Crpaxoertxoru, srigHo 3 FKoro--:axoa[x 6epe Ha ce6e so6oas3aHHfl y paai HacraHHF crpaxoBoro BilnaAKy sgir,rcurarr crpaxoBy Bilnnary-^.w\rn^nr t,,',^, ^C.^ :,,...:: ^^^a:-:axyBarbHr,1xy a6o iHu:ira oco6i, eilgHa'leHir,r y !oroaopi crpaxyaaHnn CrpaiyBafibH14KoM, Ha xoprcrs rroi''--aAeHo fioroeip crpaxyBaHHn (nogarr AonoMory, Br,tKoHaTil nocfiyry roqo), a irparyrunoHfix so6oe,R3y'Tbc,--aqyBaril crpaxoai nnarexi y arsuaveHi crpoKr/ i arxonyaarn iHuti yrr,toeu floroaopy aipu*yrrrrr,
3anea Ha crpaxyBaHHfl - aigon,tocri, HagaHi CrpaxyaanuH[KoM nilcbMoBo sa Qoprvoro, BCTaHoBneHoo-:axoBr4KoM, a6O iHrLtNU qilHOM sassneHilta Harvrip npo yffiaAeHHfl.QOrOaopy crpaxyBaHHn;36urox - ruataHosi Brparr, r4o 6ynr,t sanopinHl 3acrpaxoBanir,t cjnuiuxorocno4apcuxir,r npogyxqii-,:ni4or HacraHHf; crpaxoBoro BilnaAKy, Ta raKi, qo ni4nrranrs aiguxogyBaHHrc Crpaxoarxou;lxgexcne crpaxyBaHHfl - crpaxyBaHHs cinucsxorocno4apcuxor' npo4yxqii Ha ocHoei po3paxoBaHilx
=:'rux iHgexcia 6araropi'lH[x noxagHuxia, HanprKnaA cepeAnuoi apoxaraHocri cinucuKorocnoAapcuxor' ryrurypr,,' aquiuicrparuauin ograHr,rqi (iHgexc apoNatruocri), iHpexcy noxagHNria noroAil ea oxperunr,t nepiop, ig4excy' "5eni cilucuxorocnoAapcbKtlx rBapilH roqo. flnn qinera crpaxyBaHHn iHpexcr po3paxoByrorbcr 3a.-:ropivHnuil noKa3H[KaMil crpoKoM He MeHUe 15 poxie;
fliuir aignoeiEanunocri Crpaxoar,tKa - MaKCilM an,;Hwn posnrip crpaxoBoro ai4uxo4yeaHHfl no oAHoMy-: txoBoMy BilnaAKy, n0 OKpeMoMy crpaxoBoMy pwttKy a6o e qinorrity sa ,QoroeopoM crpaxyBaHHg;Mafino - epoNar,,, nocisr, HacaAxeHHfl, cinucuxorocnogapcuri TBaprHil;'Mynurupr,|ruKoBe crpaxyBaHHf, - CrpaxyBaHHs cinscunorocno4apcuxoi npo4yxqii (npegrrreria-:
= <yeaHun) BiA neBHoTo nepenixy prrrxia. 3a goroaopauu Mynbrvtpt/rln(oBoro crpaxyBaHHf, Moxyrb,:,rBaTilcb aci noro4Hi pLnnnl (oxpenli a6o I'x xonlr6iHaqii);
Onqiox qixu - eilsHa'leHi ra QixcoaaHi CrpaxoafiKoM Anfl CrpaxyaanuHrxa aapiaH,a qiH na clr: .-,,xqro , Rxi arxoprcroBytorbce gnr qineir crpaxyBaHHn;
CnerlianisoBaHa cflyx6a (npe4craent,tx Crpaxoarxa) - cy6'exr ni4npren,trraquxoi 4inrsuocri a6o: '-'11{Ha oco6a, ulo HaAao opraHisaqiraHy rala6o iuuy Heo6xiAHy AonoMory ai4 irr,1eni Crpaxoauxa r, *opr.ro-: : (yBanbHIKa /Braro4oua6yBaqa npil erxoHaHHi Crpaxoaraxorvr go6oa'cgaHu sri4uo yMoB gororopy-: : ,/BaHHfl;
crpaxoaut'r pla314K - neBHa nogiR, Ha BilnaAoK nxoi npoeo4fiTbcs crpaxyBaHHs i sxa uae o3HaKfi- = cHocri Ta BilnaAKoBocri uacrauHR;
Crpaxoee noxpr4TTs - ei4coror crpaxoBoro 3axilcry, nxr,tra o6rtpae ampo6urr c/r npoqyrqi'i is aapiauria,
i -::-oHyrorucn CrpaxoBr/KoM B Mexax floroaopy crpaxyBaHHe, flKr].lo raxrr,t nepeg6aqeHo HUw;
Crpaxoea cyMa - rpoluoBa cyMa, B Mexax nroi Crpaxoaux, eignoaiguo po yMoB crpaxyBaHHfl,
: . .. =3aHilr4 npoBecTil BilnflaTy npl/ HacTaHHi crpaxoaoro BilnaAKy. crpaxoaa cyMa 3a floroeoponr crpaxyBaHHt
a. -::.,HHa nepeBnu{yBarn aapricrs cinucuxorocnoqapcuxoi npogyxqii, qo nprr,ruaerbcfl Ha crpaxyBaHHe;
Crpaxoee eigurxogyeaHHfl - crpaxoBa Bilnrara, nxa sgiltcHrcerucn CrpaxoBrlKoM y Mexax crpaxoaoi' -ala6o nirvriry eignoaiganunocri aiqnoaigHo go ynloe floroeopy crpaxyBaHHn npil HacraHHi crpaxoaoro
- : - -'\/', _ ',,Crpaxoaulr aKT - AoKyMeHT, nxNl,t nigreepAxye piueuHn Crpaxoerxa u-{oAo Br43HaHHfl crpaxoBoro
--Ky Ta pernaMeHrye poswip ra nopFAoK Bilnnarfi crpaxoBoro ei4urxopyaauun;Crpaxoauu BunaAoK - nogiR, nepe46aveua floroaopoM crpaxyBaHHe, fiKa aig6ynacn i s HacranHsna
: Br4HilKae o6oa'sgox Crpaxoarxa sgirlcHltl,t Bilnrary crpaxoBoro aigurogyaaHHn CrpaxyaanuHnry a6o-::oHa6yaavy;
Crpaxoaur,t nnarix (crpaxoarr,t BHecoK, crpaxoBa npeuin) - nnara 3a crpaxyBaHHfl, flKy CrpaxyaanuHux
-:::'rsaHrra BHecrr Crpaxoar,rry srigHo s fioroaoponr crpaxyBaHHF;
Crpaxosufi rapuQ - craBKa crpaxoBoro BHecKy r ogrtnr,tqi crpaxoaoi cyMta 3a sfieHa'.]eHfir/ nepiog:-: r(yBaHHfl;
Crpaxoaux - ropr4AilqHa oco6a, crBopeHa y Qoplri axqiouepuoro, noBHoTo, KoMaHAhrHoro roBapficrBa
- -oBapficrBa 3 AoAarKoaoo aiqnoaiganuuiclo sriguo g 3arononr Yxpa'iHr,t "[1po rocnogapcuxi ToBaprcraa" s
:,.BaHHFM oco6nilaocret,l, nepeg6aqeHfix qurr/I 3axouoM, a raKox ra, u-lo oAepxafla y BcraHoBneHoMy
- =;ry niqeHsio ua agir,rcHeHHR crpaxoeoigirnsHocri;CrpaxyaanbHlrK - toptl4r4qHa oco6a a6o pieagarHa Siar,tvHa oco6a, B ToMy vmcni oapeecrpoBaHa flK
:,'rra oco6a - nignpueuellb, u-lo spir,tcHroe aupo6Hrqreo roaapHoi cinucuroTocnogapcuxoi npopyr<qii, Ta FKa 0
::rt4KoM raroi npogyxqii a6o po3nopFAxaerucs i Br4Kopr4croBye raKy npoAyrqiro 3a AoroBoponr Hat4rrily (y rorvry
:. - opeHgra), nepepo6xr, rpaHcnopryBaHHn, xoruicii, s6epirauun, 3acraBil a6o Ha6yge raKe npaBo B
iiyruuolty, i nxa yxnana si CrpaxoBr/KoM loroaip go6posinuHoro crpaxyBaHHfl cinscuxorocno4apcuxo'i::yrqii, ei4HocHo FKoro y Hilx e neBHfir,t iHrepec y s6epexerni rliei'cinscbKorocnoAapcsroi npogyxqii';
Tepuropin crpaxyBaHHfl - Tepfiropin (uicqe) pii [oroeopy crpaxyBaHHfl;
Opanur,tsa - qacrilHa g6ilrKia, qo He ai4uxogoayerucr CrpaxoB14KoM srigHo s floroaoporrlt crpaxyBaHHfl.
,-{!il3a sa floroeopoM cTpaxyBaHHfl Moxe 6yl,1 yrvoeHoro a6o 6esyuoaHorc:yMoBHa $panuusa - L{acrfiHa s6urry, flKa He eigurogoayerucn CrpaxoBr/KoM srigHo s floroaopolr
::xyBaHHfl, nxqo ii poeuip He nepeBrLr.lye cyM14 $paHulrsr,r, sagHaLieHoi a [oroaopi crpaxyBaHHs.36rror
--nrae ai4urxogyeaHHm noaHicrCI, flKtqo r,toro posrvip nepeBilu-{ye qo cyMy;
6esyuoena $panurr,tsa - BcraHoBneHa [oroaopoM crpaxyBaHHfi cyMa s6rrry, FKa He aigurogoayerucn-:axoBr4KoM y pasi uacraHHfl crpaxoBoro BilnaAKy,
floroaopona crpaxyBaHHfi Moxe 6yll nepeg6a,reHa L{acoBa SpaHursa 3a FKoCI o6uexyerucn cTpaxoBe
-.lt4TTF no oKpeMfiM 3a3HalreHilM crpaxoBr4M pr43[KaM nporsroM neBHoro crpoKy ai4 novarxy pii floroaopy-: axyBaHHfl.
1.9. Frqo iHtue ue nepeg6aveHe fioroeopoM crpaxyBaHHfl, ocHoBni reprvriHr,t ra Bil3HaLreHHfl, u.{o
::-ocoByroTbcn B r-{4x [lpaarnax npil cTpaxyBaHui cinucur<orocnoAapcbKr4x KynbTyp posywioru rax:Arporexxonoris - crlcreMa npr,tr,torvrie Bilpou-lyBaHHs cinucsrorocnoAapcbKr/x Kynbryp, qo ea6eonevye
':cKy ypoxat,tuicru BrporIyBaHilx pocnIH npfi vrir-riwanuHnx 3arparax npaqi igaco6ie Ha oAilH14r{ro
' :oronxicHoi npogyxqii;Eauranni Kynbrypt4 - Kynbrypr4 npogoBonbLroTo, KopMoBoTo, a raKox rexniqnoro npil3HalleHHfl *
.3yflA, gr,Iui, rap6ysu, xa6aqxu ra iuue;EionoriqHa epoxafixicrb - Lle ypoNaraHicru aciei npogyrrlii craopeHoi unsxonr SorocuHreoy 3a oAilH
==-eraqit,tHn,t cesoH Ha oAHoMy rerrapi nnoqi nociay, u-{o Br43Haqaerbcfl B MoMeHT AocRTHeHHF 6ionoriqHoro
-:apiaaHHn aignoaiguoi Kynbrypll <Ha nsi>;
Eypn - cnnsuni airep, ea$ircosaHilfr ri4ponrereoponoriquop cnyx6oro, uarpxicru flKoro craHoarru ai4: t',t/c i 6inuue, Rxntt uoxe cynpoBoAxyBarilcb arHloc$epuuMh onagaMfi. 3Ha,lHi uamqxocri eirpy ni4 vac 6ypi,'JlnKaorb nocilneHy rpaHcnipaqio pocrrrH, Br/cilxaHHfl aepxHix uLapia lpyxry, MexaHi'..tHi nouKoAXeHHfl: lnilH, y cynpoaogi 3nnB nonflTaHHfi nociaie, u-lo 3yMoBnpo 3HaqHe 3HilxeHHfl ypoxarc.- bcbKoTocn0AapcbKr4x KyfrbTyp ;
Bererarlittxut,t nepiog (aereraqin) - L{ac, nporflroM flKoro pocnilHa aKrilBHo pocre i po3BilBaorbce
=-,.) V cinucsxorocnoAapcbKira nparrnqi ni4 reprvriHon,t "aereraqiranrrl nepiog" po3yMirorb nepio4 ai4 nociay-,'-,1 Ao HacraHHF rexHi,{Hoi crrrnocri is6ltpanun Bpoxao. Tpltaanicru eereraqiraHoro nepiogy o3r/MLrx
:-.r cTaHOBrru npr6rrsHo eig 260-280 go 340-360 gHia, nprx - ei4 60-90 Ro 150-'170 RHie,
Bngyaannn - fB[1r4e, cnpilqilHeHe 3AyBaHHflM clubHklM (noHap 10-15 u/cex.) irpueanurir airporvr
'- x uapia ipyHry pa3oM s nociRHflrvr HaciHHsru, a iHogi i si cxogauil pocn4H. Cnocrepirarorbcfl Ha
:-3yKTypHr,ix po3nilneHtax ipyurax npil cilnbHoMy eirpi B cyxy noroAy;
Buuepsanns - earil6enb 3fiMylor.{r4x Kynbryp auacnigox 3HfixeHHF TeMneparypr noairpn a6o ipyHry--3 Kpt4TklLrHo'i4nn pocn4H uexi npornroru 1 4o6r,l i 6inurLre y aignoaigHon,ty perioni y nepio4 Ao 1-ro rpaBHt
',':33aHHfl cnpilqilHfle noluKoAXeHun eysnie ryqiHun, xopeHeaoicrrcreMfi 03r/Mr,1x 3epHoBr/x;
Buuoxaxts - BecHflHa earn6enu cinucurorocnoAapcbKr/x Kynbryp aHacnigox Hepocravi Kr4cHo Anfl',3rHF, ll-lo 3yMoBnoerbcn TpilBartau nepe6yBaHHflM ix e yuoeax 3acroro ranoi eogr (npornrona'10-15 gHia i
- - ro\'
Brnaginxn pocnuH o3uMr4x Kyflbryp - flBr4r{e, u.lo cnocrepirarcrucs npr,t piaxovry i axrrtauorvy-.:ccrauHi Tenfla a nepiog aigHoeneHHn aereraqii Ta ogHoqacHo npil Hegocravi BonoTil y BepxHboMy r.r.rapi-: ,-Ty. [1pr quouy BTopt/HHa KopeHeBa chcreMa He Bcrilrae BilKopr4croByBaril Bonory 6inuu rnr6oxrx uapia-: ,-Ty i pocnuur rfiHyrb. l-le nertqe 6inuu po3noBctoryeHe npil nisHix eecHax;
Bunrpatxn - garr6enu pocnr4H eHacnigox po3pr4By xopeHeaoi cr4creM14, oToneHHfl r<yr4ia r<yqinHn
:,",rt4x Kynbryp tlt4 xopeHeeoi wuhrtz, 6araropivHrx rpaB B pe3ynbrari Heo4Hopa3oBoro posuepsanHn i
: '3p3aHHF BepXHb0r0 nepe3Bo|oxeHoto rJ.tapy ipyHry;Brnpieannn - sarr6enu pocnnH o3r4Mt4x Kynbryp ra 6araropivHrx rpaB aHacnigox rpilBaroro
=::6yeaHHn pocnrH nig ercoxnu cHiroafiNa noKpr4BoM, Konil TeMneparypa ipyHry Ha rnr6rni 3anflraHHff By3ra
- ruR 6nrguxa po 00 ynpoAoBx B0-100 gHia (He o6oa'ssroao nigpng) Ta npil cna6xorr,ry npouepsanHi a6o.-:',ry lpyuri. Big6yaaerbcn aHoManuumta picr KoHycy HapocraHHn B3t/MKy, ypaxeHHn rpu6roeuur xaopoOaun.-acni4ox l-{boro, garn6enu pocnrH paHxuoi BecHil;
Bropr,tnni xaopo6u pocflr,tH ruacoailrl po3Br/ToK 3axBopCIBaHb pocrr/H, u-{o B14KflilKaCITbcF
:- 3napa3ilTl/qHilMt4 s6ygHnxavrr, ulo e HacniAxorvr nepB[HHoro N4exaHi,.tHoro nouKoAXeHHH pocnilH rpaAoM,::o 3rr4B0ro, Ht/3bKoro reMneparypoto, cronr.toto BoAoCI ..{il iHtxr4rula noAigur;
I-pag (xpynHrt,t rpag) - BVtA aruoc$epnrx onagia, u-lo ffBrntors co6oro nuo4nHi yraopeuun, nxi-:-lalorb enirry, flK npaBilro is snfisoeilM AoqeM a6o nip qac Tpo3r4, iafixnilxators earr6enu 6o nourogxernn
-:lbKOl-ocfloAapcbKl/x Kyrbryp B pe3yrbrari 6eenocepegHuo'i rr/lexauivuoi gii Ha HaA3eMHi opraHr pocrr/Hil, a
:':+( 3MeHUeHHs Bpoxao cinucuxorocnoAapcbKoi xynurypN i aroprHHi 3axBoprcBaHHR cilucuxorocnoAapcbKr4x-
=TYP;lpyxroea xipxa - cillbHo yqinuHenmrl, 3qeMeHroBaurfr noeepxHeailfi u:ap ipyHry. B ogHnx BilnagKax
' : ai4crae y ar,trnr4i nrilToK, B Apyrilx - npeACTaBnse uoHonirur,tr,t rviqHr,rra uLap, rrrr,t nocrynoBo nepexoAr/Tb-,'xHi pr,rxni uapil. BrHrrae Ha noBepxHi ipyHry nicns crluHr,rx goqia, qacriue nInHeBtax, npil HacrynHoMy
:=,'qeHui AeHHrx reMneparyp i reuneparyplr noaepxHi lpyHry;Eni{irorin - an6yxonogi6He posnoBcroAxeHHn sapasHoi xaopo6lr pocrllH, u.lo 3HaqHo nepeBilLqyo
'-ainuu piaeHu 3axBoppBaHocri ua qro xeopo6y Ha pauir,t repmropii;EniSiroriunutt po3Br4ToK xaopo6 pocnxH MacoBe po3noBooAxeHHfl xeopo6 pocnilH, flKe
=.- SixoaaHe [epNaaHoo crauqierc 3axmcry pocnilH nx "EniQirorin", i sr4HilKro He 3 ataun CrpaxyBanbHrKa;Eni$iroriine po3MHoxexxn uxigxuria pocnrH - panroBe, MacoBe po3MHoxeHHn uxigurxia pocnilH,
= ';aaniQiroaaue lepxaaHoo craHqiep 3axilcry pocnilH rx "Eni$irorin", i Bt4HilKno He 3 erHr CrpaxyBanbHilKa;3arr,t6enu cinucsxorocnogapcbKr4x Kyflbryp - 3Hr4qeHHF a6o nouLxopxeHHfl pocfll4H Ha oKpeMoMy
- a6o qacrrui nonfl, Rri nonanu nig annra HecnpilFTnilartx nogirt - crpaxoBr4x prsrria, i He nloxyru aigHoarrm.:3,rbuy aereraqirc;
3auoposox - 3HfixeHHfl TeMneparypt4 Hrlxqe OoC ua noeepxHi lpyHry i pocnrH, qo cnocrepiraert cn y
, . ---aqit,tHr,tr,t nepiog npil no3rrilBHt4x cepeAHuo4o6oaux reMneparypax noairpR, flKe BilKrr4Kae saril6enu a6o.-';oAxeHHR cinscurorocnopapcbKt4x Kynbryp aHacnigox nonBr/ B nouKoAxeHir,t pocnr,tHi oAHoro a6o 6inuue
'-ToMiB, TaKrx flK: eHyrpiutHuoxnirrHHi Kpr4craril nboAy, qo nopyrxyloru rnirrHHy crpyKrypy (xnin,tHHa.-,'5enu), sarfi6eru penpoAyKTt/BHrlx opraHia isHeao4HeHHF a6o,,Br4cMoKTyBaHHfl 3epHa". Ha posnoqin ra--='rcileHicru saruoposxia, xpiu aruocQepHr,rx npoqecia, aennx:Ah BnrilB Maprb rrlticrleai yMoBr4 (Soprrltr,l
";-,e$y, 6nilsuxicru BeflilKr4x ao4ortu i rr,ricr, a raKox Sisra .vHi BllacrilBocri ipynry);
3acrpaxoaaHa nrloqa - nnou{a nocisis cinucuxorocno4apcuxo'i Kynbryp14, no ai4HoueHHp Ao nxoi'6yno-: -:ro eignoeiAHrar,r [oroaip crpaxyBaHHn i uapaxoaaHa crpaxoBa nperrrin. MicqesHaxoAxeHHfl aacrpaxoaauoi-
" - roBl/HHo 6yttt BKa3aHe e ganai CrpaxyaanuHilKa Ha crpaxyBaHHff, u-{o noAaerucn Crpaxoarxy;3erunerpyc KortrBaHHfl seNaHoi Kop14, 3yMoBneHe nprpoAH14M14 reo$ienvtruil flB14u.laMil, uio
-.'' 3rorb posroM14, 3cyBt4, stuiqexun 4irnHox seMHoi noaepxui, r4o po6raru HeMoxJt,4BNM cBooqacHe:-3'rHff rexlonoriqHr,lx onepaqir,t npil Br4porJ.{yeaHHicinucuKorocnoAapcbKr4x Kynbryp i, nx HacniAoK,3HilxeHHfl:-:3Ty i'x apoNarc;
3epnoei Kynbrypu - Kynbrypt4, rxi artpoqyrorbcn Ha npoAoBorbLle i SypaxHe 3epHo. l-{e nanoei xni6a --:-,'-lt, xilto, s'qruiHb, oBec, rptarixane (ri6pN4 nueHuqi ra xr,rra); npocoergHi xni6a - Kyxypy43a, npoco,:-- ll4c, Morap, qyMil3a, sepno6o6oai - ropox, con, KBaconA,qAHa, coqeBfiqq, 606N, Hyr, flCInilH, no6in; s
-_ " 30At/H - rpeqKa;
3euenurufr a6o seraenuuo-aogtl,ri cenb - norix ipynry a6o n,tynoarr,t (aeuenuno-eo4Hutra) norix, qo-:,:aerucR ni4 vac pflcHt/x ona4ia y ropax vr,t nepe4rip'flx, BilKflilKae saril6ens pocnilH auacni4ox MexaHi.{Horo'- '=lHa ua4oenaHiopraHil pocrttrH urflxoM i'x arpraauHfl, Bt4MilBaHHfl Ta 3aMy;toBaHHH;
3euenunult 3cyB - eNiqenHn BenilKfix rr,tac lpyury, u-{o BtaKtr4Kao nouJKoAxeHHfl r]k1 saril6enu pocnilH B
: - '.-oTOTi MexaHi''lHoro nouKoAxeHHfl HaA3eMHoi qacrilHfi pocr14H a6o po6r,1ru HeMoxr14Bt/M cBoeqacHe:-aHHfl rexHonori'.{Hrax onepaqiit npn Btapotr{yBaHHi cinucsrorocnoAapcbKt/x Kynbryp ra 6araropivuux
: -::xeHb (nociaia, HacaAXeHb roqo) a6o snliqexHfl Mac ripcur<Nx nopig aurs no cxfiny nia gierc cilr1a 3eMHoro:' --:F ua 6insu Hilsurrrl piaenu 6es erparr KoHTaKTy 3 HepyxoMoro ocHoBoro;3nrea (cranuHa snr,taa) - amaunil Aou-l 3 rinuxicrp ona4ia 30 rritu i 6inuue ea 'l rogr,1Hy i
: i3cAl4Tb A0 nOUKOAxeHHs pOCnfiH, BfiKrilKae noIlFTaHHq, BOAHy epOeirO lpyHry, cnpfifle. --caoi xipxr,r;
3neaognenHe Ha 3eMnex, nri ni4nnratorb npuMycoBoMy 3poueHHrc a6o saeogreHH19 - 3HilxeHHfi:-: B0At4 B ct4creMax 3poueHHfl aHacniAox Bnn[By ua qi crcreuuctuxinuwxraltq (serranerpycy, acyay roulo),-' "reMOxrilBrtOe npOBeAeHHF 3poueHHF i nprseogurb Ao 3HL1xeHHfl Bpoxap a6o noeHoi'saril6eni pogn,4H- : : :ra) enacnipox Hecra,ti Bofloril;
Konrponule s6upannn (uexaHisoaauuta o6uonor) - e6rtpaHHn Bpoxap sepHos6y1panbHoto rexHixoro g
"=-:i nnoqi nonc (4innHxra) 3 HacrynHrM 3BaxyBaHHsM Ta nepepaxyHKoM Ha craH4aprgi noKa3HuKh no,-',' reHocri i aonorocri gnn nignoaigHoi c/r Kyrbrypr/;
Kopuoei Kynbrypl4 - ropvoai ognopivHi ra 6araropivHi snaxoei ra 6o6oai TpaBil, rpaa'nur,acri Kynbrypl4--,'( poAr4H (xpecroqairux, ar,1crpoarx roqo), KopeHenroAu xopuoai, 6ynu6onnogr,1;Kpagixxa - He3aKoHHe (aiAxprare qil npilxoBaue) saeonogirnn (avrHeHe yMilcHo, s 6ygu-nrorc Merorc-: :-,1npaBHe BilryqeHHF 3acrpaxoBaHrx cinucuxorocnoAapcbKr4x rBapilH y BnacHilKa qn Kopt4cryBaqa B6ynepeLt
=:ni unsxou xpa4ixxn, rpa6exy vr,t pos6oro);Kynurypra aigxpuroro lpyxry - Kylbrypt/, nri artpoulyrorucq 6egnocepeAHbo Ha noni a6o aigxpr,1rorvy: --r 6es 3acrocyBaHHn AoAarKoBt4x cnopyA 3 3axncry aig HaaxonrulHboro cepe4oBilqa;Kynurypra 3aKprroro fpynry - Kynbrypr4, Rri arpoqyprb B yrenreHoMy lpyHri, no6y4oeaHrx vr-:- arlbHO npilcTocOBaHilx cnopyAax, Ae ni4rpnnryerucq cnprflTnrarlt nprpo4Hira a6o uryvunra urixpomirrlar
_-. Bfip0u_lyBaHHfl Kynbryp y Hece3oHH14r,t nepio4;flaelaxa - cHiroe[ta o6sal, Lr-{o BilKrLrKao nouKoAXeHHfl r{r4 saril6enu ypoxao, nocisie y nporai
='aliqHoro noulKoAXeHHfl HaA3eMHoi qacrilHil pocrt/H, rLlo po6r,tru Her,,roxnr,1araM noAaflbue BilKoHaHHfl- :' - oroTirtHt4x onepaqi r,t qoAo Btlpoll_{yBaHHF cinurocn rynbryprl
;
Iluogoea xipxa - uap rboAy, r{o yrBoprceTbcn BHacrigor vepryaanHn aignnr ra uoposia i r4inuuo-:".rrrao Ao noBepxHi lpyHry. Brcora nuogoeoi xipxr xolraaerbcfl aig20 go 50 MM, a MaKcilMarbHa Aocfirae:- vrru. 3arr6enu pocnfiH aig sagyxut aig6yaaerucA npn rpmBanoMy nepe6yaaHHi nig nuognHorc r<iprorc-:lTFroM 30-40 pHie ra 6inuu:e) auacnigox nopyueHHl rasoo6rvriHy - nigaurqeHus KoHL{eHTpaqii eyrnexracnoro
: j, HeAocTa'li xt4cHlo. [louxoAxeHHs pocnrH eig nsognHoi xipxr,t ai46yaarorucn iaHacli4oo nprroirvtexauiqHoi'- - co3pl4By ropeHia, eysnia xyr4iHHr;
Oaoqeei Kynbrypu - ognopivni, qaopivHi, 6araropivHi rpaa'RHr,rcri Kynbrypr4, nri e pesynsrari posarrxy--oAoHoueHHF
AarcTb npoAyKT - KaLlaHil, KopeHennoAr ra iuu:e;Oxenegu - uJap rboAy Ha noBepxHi lpynry (nprarepra nboAflHa xipxa) a6o cHirosoro noKpr4By (ar,tcnva
::aFHa_KipKa), rLlo yrBopoerbcfl B pe3ynbrari cous,.tHoi pa4iaqii, rnr6oxr,rx ai4lr,,1r, sxi swriHpprobr ru'Mopo3,--aqie a6o ryMaHy a xonogHrt,1 nepiog poxy i euxnltKarcTb 3arr6enu pocn/H B pe3ynbrari uexaHiqHoigii'(pospr,,,a:;-erar[BHl4x oprauie, xopeueaoi crcreur), a raKox B pe3ynbrari nopyueHHn nporlecie rasoo6rr,1iuy pocnrr;
'
6
MeHUe, U.lo
yTBopeHHro
[laaogox (nosiHu, noBoAb, ailcoxi piaHi sopr) - HaAniluoK Bonoril (pncni onapr a6o iHreucfiBHe raHeHHRt0 BrKnrKae 3acrOrcBaHHF B0At4 Ha nonfiX i, rx Hacni4ox, saril6enb pocnilH B pe3ynbrari nopyueHHn
' -:',tttly, l4o raKox npil3BoAt4Tb Ao BTparil a6o noeHoi sarfi6eni Bpoxarc aHacnipox HeN4oxnilsocri: :::eHHfl a6rpaluHrx po6ir. QironaroreHHnil BnnhB HaArilruKoBoi eonorocri Ha pocnilHh noflflTao y roMy, rqo' , - '' .lifFHKax, Ae Aoarnta vac s6epiraerbcn Bonora, noqilHarcTbBrlltKarvi 3axBoppBaHHF, Taxi nx xopeueai ra
.: -::i rHrni, qo npil3BoAflTb Ao 3HaqHoro 3HilxeHHF apoxar,lHocri;l'lepai$ra qinuxicru - ulinuHicru (xinsricru) pocnilH ua 'l u2 nnouli nociaie (nocagox) nicnn orprruauHn
- : 3ocnilH. 3asHa'raerscr a ai4noeignony axri ornrgy (crany) cxo4ia nociaie (noca4or) 3acrpaxoBaHilx: . :' 3l-OCl'lO,QapCbKt/X KynbTyp;
llfinoei 6ypi - nepeHeceHHs aenilxoi xinurocri nfiny BHacni4ox cNnuuoro sirpy, r].lo npil3BoAr4rb go- :erHF nOBepxHeBOro uJapy ipyHry, He saxpinneHoro pocnilHHiclo,. Crnuna nfiroBa /niqaHa/ 6ypn - npr,1
- ' -'-3ti airpy 15 rvr/c i 6inurue npornroM 12 roguu i 6inurLie. llilnosi 6ypi saa4arorb 3HaqHrx nouKoAxeHb=1"'- OrOrrcorb KOpeHeBy cl/cTeMy pocrlt4H, 3aHocsTb nociafi uJapoM ipyHry a6o nicxy, Bl4HocflTb g nonia: .-,raHi uapr ipyHry rot4o;
floxexa (aoroHu) HeKoHTponbosaHilr/ npoqec TopiHHfl, u-{o cynpoBoAxyerbcn 3HilqeHHeM:.:.3roct]O,{apcuxoi npopyr<qii B pe3ynbTari qii aorHro (a rorvry,tNcni eilKntaKaHoro yAapoM 6nilcxaaxh,
':-:-l eneKTpoMepexi, ar6yxol, caHaosataMaHHgM, roqo), qo sgaruryt cauocrit,tHo nouilpoBarilcn no3a-- ',' cneqianuuo npfi3HaqeHilMt4 Alfi t,toro posaeAeHHF i niArpt,tn,taHun, a raKox nouKoAxeHHq a6o" -:--F 3acrpaxoBaHfix npeAMeria npogyxrauu ropiHHn i saco6ar\afi noxexoracigHfl, s-{o 3acrocoBytorbcq 3* -.-: -3nepeAXeHHH nOXeNi;
- ''5HUr tsurrul/l ol]Hoto uapy rpyHTy A0 'lU MM I MeHUe y nepiog cia6[ oofiNailnu i aputu,,3HLlxeHHF-::: 'rpoAyKrilsHol'Boflorr B MerpoBoMy r-uapi ipyHry po 30 eigcorxia i ueHue Hl-18 (uararvrenu:oi nonuoaol- - -- --r rynnri\ h i' " ',,,,", -^^:^ - ^^-^-^. .:'.'., - . -- i,,1Kocri) e iHrul4r,1 nepio4 eereraqii';[lporranpaani gil rperix oci6 - gii 6ygu-nxnx cropoHHix (rperix) oci6, sxi ne 6epyru yvacri y
'=aHHi, Hanpaareni nport4 cinucuxorocnoAapcbKr4x Kynbryp ra cnopy4 3aKprroro ipyHry CrpixyainrHr,1ra,:'.'3, xyniraHcreo, Tpa6ix, pos6ir,t, HanaA os6poeHoi' 6angn, nignan,
' iaar,.,a Br4KpaAeHHn
:'3-0cl-10!0pcbKt4x Kynbryp 3 nOl1fl y nepio! eererarlii, nouKoAXeHHc nociaia rperiur oco6aMr, a raKox- ' laHHfl, nouKOAxeHHq qil BilKpaAeHHfl noxprrria i Hecyvmx xoncrpyrqill renflilL{b, napHrxie, opanNepera,: "JlhKae nouKoAxeHuq a6o 3Ht4qeHHff nocieie a6o Haca4NeHu cinucsxorocnoAapcbKr/x Kynbryp, eKl
-'oTbcfl B 3aKpilroMy ipyuri, flKu-{o y AaHoMy B[naAKy nporr oci6 eigxpuro xprrrliHaruHe npoBaAXeHHfl:-aTo AocyAoee poscni4yaaHHr), ra iuuti 4ii cropoHuix (rperix) oci6 qogo pocnilHHilqbKrx HacaAxeHb, .3aflbHru'tK0, sasHa..leHi a floroeopi crpaxyBaHHF,
Cunuxut,l eirep - pyx noeirpfl 3 MaKcilManbHoro uarqxicro 25 ulc, y ercororip'i Kapnar iripcuxonay
[1one (ginnnxa)- vacrrHa opHt4x 3eMerb cinucuxorocnoAapcbKoro nph3HaqeHHr, ei4oxpeuneHa qinicHa'" :-': nociaHoi nnouli, l{o Mae enacHi rueNi, n,ticqe3HaxoAxeHHs cxoi Br43Haqaerbcg KoopAr/HaraMil 3a- -' ':-cro AaHfix rno6anuHoi naairaqir,tnoi cynyrHrxoaoi' cilcre[4r rala6o aignoaigHo Ao Kapr-cxeM nonia- - : -:' . nla6o reoiu$oprvraqii ai4noeigHo go lepxaBHoTo seMerbHoro KaAacrpy;
[locyxa (sacyxa) - saru6elu pocnilH euacnigox KoMnfleKcy ri4porvereoponori..rHNx yMoB, u-lo crBoprororb*: --13quicru rrliN norpe6ot0 pocrl4H y aogi Ta HaAXoAXeHHFM ii s tpynry,'a6o sarn6enb ra nouKoAXeHHfi- - :racnipoK TprBaroro peSiqr,try onagie npr,r nipaltqeHoMy reMneparypHoMy pexilMi y rennr,lra nepio4=-acni4ox t{oio Bt4qepnyorbcfl 3anacm Bororil ipyHry 3a paxyHoK BilnapoByBaHun irpaHcnipaqii,-:-:'lTbcq Hecnpl,lsrllt4ai yrrloeN Anfl Bereraqii'pocnrH, apoxara cinucuxorocnoAapcbKt4x rynuryp pi:xo- .-)cfl a6o rrHe. I-lpr,1 quonry poapisHrmru arrriroc$epHy a6o noairpnHy nocyxy, ronr ona,ia er,,naguu*-':-:-rbo, yrpt/Mylorbcs ercoxi TeMneparypr noeirpn Ha Soui Hfieuxoi eonorocri noairpn (nrreHge 30%), ra- --::' nocyxy' Konn ei46yaaerucfl BtilcytuyBaHun lpyHry, u-{o npilBoAr4Tb Ao HeAocrarHboro ga6esne,{eHHs- 3oAoto i ailxnfixae nepeAqacHe noxoariHHs Ta 3ac[xaHHfl pocnhH. Kpltrepii nocyxy - 3Hr4xeHHfl
--:'-l sonorocri noeirpr BAeHb go 30 ei4corxie i ueuue npoTsroM 10 guia i 6insuie, 3HilxeHHe 3anactB'" - '-"sHoi BoJ'loril opHoro tuapy fpyHry 4o 10 tuu i rrreHue y nepiog cia6[ oofiNailnu i aputu,,3H,xeHHF
(puruy - 40 rvr/c i 6inuuie, ancfiwraauit HepienorvipHraru poenoginorra aruocQepHoro rilcKy i cnpnrvroaaHr,rrl is:"c0K0T0 Tt4cKy A0 30Ht4 Ht43bKoro. 3xa.lHi uer4xocri eirpy erxnrKaorb noctaneHy rpancnipaqio pocnilH,:rHR eepxHix uapia lpyHry, N4exaHi'tHi nouKoAxeHHfl pocrr/H, y cynpoao4i 3rr4B - nonFTaHHe nociaia, rLlo. o0 3HaqHe 3HilxeHHF ypoxao cinucuxorocnoAapcbKt4x Kynbryp;
."-tl:L:^-:l:tl11tr.1Tl nrrt,ronycxaerbcs 3 ocHoBrl Kynqacro-Aoqoaoi'xMapil y errnngi reuHoi'Br,rpBr,r:cra iuae BeprilKanbHy eicu, xeseflilxht/ nonepevurr,r.neperilH i4yNe ntassxilra l,tcx y qeHrpanuHira r,1oro- [l"Jergxicru eirpy a cruepvi AocFrae 50-100rv/c iruoxe BvttnvKarv xaracrpoQivHi [yr,lHyeaHHr, iHogi s
7
-'-:cbKt4M xeprBaMil. flnn repr,tropii VxpaiHr,r FBnqe pi4r<icHe. Cnocrepiraerbcn, flK npaBilro, B Tenny nopy poKy,
: -: fl OKaIlbHt4tA XapaXfep,
Crnxir,txe nuxo (crt4xiNHe uereoponorirrHe FBkru.le) - eKCTpeManbHe npilpoAHe FBIule r<aracrpo$ivnoro::aKTepy, nigreep4xeHe BilcHoBKon,t ligponrerLleHTpy a6o flepxaaHo'i cnyx6rt YxpaiHm s HagsarvaraHrx
: -raqit,t, ulo npnBoAt4Tb Ao panroBoro nopyrxeHHff HopManuHoi' pinnuHocri nrcgera. Y pngi arnagxia cl,lxrrlui::,'LLla cynpoBoAxytorbcfl sarr6ernp uarepianuurx qiHuocrer,1 i xepraaur cepeA HacereHHF;
Cyxoein - airep si uar4ricrrc 6insrLLe 5 n,t/c npr,t aiguocnir,t sonorocri noairpn 30 % i Hr4xqe, reruneparypi--:rrpn 25'C iBilu-le, ge$iqfiry eonorocri noairpn 15 nrini6apie i6inuue, u-lo cnpilqilHne 3HeBoAHeuHn pocnuH i
-:3yueHHr a Hrx Sisionori,.tHr4x npoqecia;Texxiqni KyflbrypH - Ao raKilx Kynbryp Harexarb onir,tui, e$ipoonir,tHi, npRpnaui, qyxpoHocHi,
' :cxManoHocHi, nirapcuxi ra Haprorrvui pocnrHr;Tpr,reani (sarnxxi) Aouli - iHreHcilaHi arrrlrocQepni onaAfi, rqo BilnaAarcru 6eanepepBHo a6o a
-:3HaqHon nepepBoro nporflroM Ao6r, iHxonr gexinurox gi6 (2-3) s rinuxicrp onagia'100 rr,rnr i6inuue.-Dfltlt4HFtoTb nepe3BoroxeHHfl ipyHry, ,,criKaHHfl" 3epHa, po3noBCtoAxeHHfl rpr6roenx 3axBopoBaHb Ha
: 3I BAX;
Ygap (anyvenxn) Gnucxaexr - cnpeMoBaHilil e Haaer\4Hi o6'errr po3pflA arnloc$epHoi enexrprxn, qo"JtilKae 3anareHHe, nouKoAxeHHn a6o noBHe 3HfiqeHHF cinucurorocnogapcuroi npogyrrlii;
Yparat - cunanuil airep pyrlnieHoi cfinfi ra snaqHoi rpraanocri, nxuil anlulvKao Karacrpo$ivHii ryBaHHfl. [Jar4xicru airpy e yparaHi 6inuue 32 vtlc',
llJxean - pisre KoporKol{acHe nigcnneuun uaugxocri sirpy nig vac rposr a6o nepeA rpo3oro:icilMarbHa uerAxicru airpy npu uKBarax Moxe nepeB[u_{yBarn 40 rvr/c.
flpuuirxa: ro,.tHi Bt43HarteHHs ra ,-ltacroei noKa3HilKLr crrxir,tHrx rfix noBilHHi 1yttrt niqreeppxeHi: :'roBKoM ligponlerqeHrpy, lepxaaHoi cnyx6r,r YrpaiHr,t s HagservaraHrx cr,rryarlita ra aignoei4Hr,lnltN
-=:xaeHIrvlil craHAapraMr. !oroeopoM crpaxyBaHHF Moxyrb 6yla nepeg6a.]eHi ta iHui crNxir,lHi nrxa ei4noaigHo_ _ -14HHoro 3aKoHoAaBcTBa.
1.10. ffxt4o iHu:e ue nepeg6aveHe floroeopoM crpaxyBaHHr, ocHoBHi repnrinr,t ra Bfi3HaqeHHfl, u.lo
::-ocoBylorbcfl B l-{l/x [lpasrnax npil crpaxyBauHi cinucuxorocnoAapcbKr4x rBapilH posyrvriruru rar:Aaapifitti BhnaAKH - sHa,{Hi nou.rKoAxeHHs a6o e6ir/ a po6ori cficreM Tenro-, ra3o-, BoAonocraLraHHfl
'.: ao4oaipBeAeHHR, xaHanieaqii, onaneHHfl, xoHgrqiroaaHHF, noxexoraciHHs (a rovry .lrcni, ix noMrnKoBoro-:3llloBaHHe), enerrprvHilx Mepex B Mexax cnopyAt4; nouKoAxeHus a6o arxig r nagy o6naAHaHHfi,.-iTKyBaHHe, Ma[JilH i tvexaHigtvlie, npil3HaqeHVx Anfl sa6esne,.]eHHn i nigrprvraHHfl xr4TTegicnuHocri TBapilH, Ta-- BilnaAK[, eKasaHi a floroaopi crpaxyBaHHr, r{o npil3Benil 4o sarn6eni, nagexy a6o eruyueuoro sa6op
- : I bK0l-OCl"lOAapCbKt4X TBapIH ;
Bu6yx uargxrt,t ognovacHm,t BilKr4A eHepri'i, eHacnigox r.toTo ai46yeaerscfl 3Hr/u.leHHc a6o' --cAxeHHF 3acrpaxoBaHux npegrueria;
Bruyuexutl ga6iH 3a po3nopflAxeHHnM gepxaexoT BereprHapnoi cnyx6u, noa'sgaHur,r 3-:'rBeAeHHflu saxogie no 6oporu6i s enisoorie ro - B14Myruentrth saliia 3acrpaxoBaHrx cinucuxorocnoAapcbKt/x:::,1H ra (a6o) nl,tqi sa po3nopnAxeHHnM AepxaaHoi aereprtnapHoi cnyN6r,t, nos'sgaHfir4 3 npoBeAeHHnM, ::ie no 6oporu6i s enisoorielo;
Enigooris ut4poKe era6yxonogi6He po3noBooAxeHHF sapasHoi' xaopo6r TBapilH, u-lo 3HaLiHo' .::3r4u.lye san\ahautl pieeHu 3axBoppBaHocri ua qro xaopo6y Ha gaHir,l repraropir';
3acrpaxoaata cinucuxorocnoAapcbKa rBapuHa - TBapfiHa, npnrIHRra Ha crpaxyBaHHF, Ta 3a3HaqeHa, --
-oeopi cTpaxyBaHHF;
Kauenenag - uergxrtt pyx BHt43 si cxrany rrrac xaueHiB B pe3ynbrari gii ciln 3eMHoTo rsxiHHR .ril- -:reHHilx o6craeilH:
Kaxexcis - naronori,..turta ctaH, nrura xapaxrepr3yerbcfl pierrrv 3MeHUeHHflM Mac[ rina, cla6xicrrc Ta- -'eHHFM QioionorivHux QyHrqir,t;
Heqacxull BunaAoK - panroBa, BilnaAKoBa, KoporKoqacHa, Henepeg6aqyBaHa ra He 3anexHa eig aoni-::xyeanuHnxa nogiR, qo $axnavno eig6ynacu y crpoK ra y Haicqi gii' loroaopy crpaxyBaHHn i aHacnigox sxol'
" :'.-anu yu.lKoAxeHHn 3AopoB'ff, saril6enu a6o nagix 3acrpaxoBaHrx cinucuxorocnoAapcbKt4x rBapilH;[laronoriqxi nonoru - 6y4u-nxi nopyueHHfl pogoaor'lisnsHocri 3acrpaxoBaHoi'cinucsxorocnogapcsxoi'
:::,1H1/;
lloxexa - BIHT4KHeHHR BorHo, 3AarHoro cauocrirluo po3noBcroAxyBatlce soaxi rraicqu, cnel{ranbHo-rr3HaLreHfix 4nn r,toro po3BeAeHHn ra nigrprurn. [1pn qboMy nignnramru ai4urogyaaHHo 36rrxr, u-lo Br4HfiKnr4
=-acni4ox raxogia gnn raciHHn noxexi ignn sano6iratHn [ipo3noBctoAxeHHfl.llporrlnpaani giT rperix oci6 - oAHa a6o xinuxa 3 3a3HaqeHilx gir,r cropoHHix (rperix) oci6, nxi ue e
:-3poHoro fioroaopy crpaxyBaHHn, u.{oAo 3acrpaxoBaHrx cinucuxorocnoAapcbKr4x rBapilu: rpagixxa, rpa6iN,,,.riraHCTBo, poe6ir,t, HanaA os6poeHoi 6aHgr, nignan ra iHue yMilcHe 3Hilu.leHHF a6o nouKoAxeHHflj:lrpaxoBaHilx rBapilH (arrr eaHganisnry, nigpra roulo). Ipr quouy:
Kpagixxa - raoMHe BilKpaAeHHF 3acrpaxoBaHilx rBapfiH ra (a6o) nrrqi e repuropi'i crpaxoBor-o noKprrrrn
-.-ixoM npoHt4KHeHHe B 3aKpilTe npruiuleHHn 3 BilKopr4craHHHM aiqurvox, nigpo6neur,rx xnoqie, iuurr,rx
-:-pyrveHria a6o rexni.ruilx saco6ie, a raKox sisnaN4oN4 KoHcrpyKTr4BHilx eneMeHria 6ypiaenu i npr,rvriqeHu;
I-pa6ix - aigrpr,rre BfiKpaAeHHfl 3acrpaxoBaHilx rBapilH ra (a6o) nnrqi s repraropii crpaxoBoro noKpr/Trfl;
Xyniraxcrao - rpy6e nopyueHHF rpoMa4cbKoro nopFAKy g ruorfieie Reno'i Henoearfi Ao cycninucraa, Lqo
. - ooBoAxyerucs oco6nrBoo 3yxBanrcro,rta Br4Hfl TKoBr4 M qr,tu isrvro rvr ;
Pos6ira - HanaA 3 Meroo saaonogiHun 3acrpaxoBaHilMr4 TBapilHaMil Ta (a6o) nrrqen, noeguaurra is
-::,1flbcrBoM, He6e3neqHfiM AnF xilTTF qr4 3AopoB'F oco6r, flKa 3a3Hafla HanaAy, a6o s norpo3oo 3acrocyBaHHfl-:'ll-0 HaCilnbCTBa;
Hanag os6poexol 6angr - HanaA oa6poeHo'i 6aupu Ha nignpueMcrBa, opraxisaqii, ycraHoBil r.til
" :3r/t4x oci6, qo nprsaia Ao nouKoAXeHHR a6o 3Hr4qeHHfl 3acrpaxoBaHilx rBaphH ra (a6o) nn,trli;
flignan - caipoue BfiKnilKaHHfl noxeNi uJrFXoM 3acrocyBaHHe Axepena BoTHro Ao neBHilx npegvreria;
Ceitacuxa nrhqe - Aesxi emgr nraxia (xypN, iH4r,tr<LA, tycv, KaqKLl, LlecapK[, nepeninxr, rony6ra roqo), r4o
:::3lAFTbCfl nOAilHOr0 AIlfl OAepXaHHn eiA HilX npoAyKqii (neqS, M'flCa, nyXy, nip'n roqo), a TaKox 3
-:' :3aTilBH0t0 Ta CnOpTt1BH0t0 MeTO]0;
Xaopo6a (eaxeoproaaHHn) - naronoriqHrm npoqec, nrrra nporanfforbcfl nopyueHHflMra rvropQonorii.-'-cr,riqHoi, ricronori'..lHo'i 6ygoan), o6rrltiHy peLroBilH ura/ra QyHxqiouyaaHunrr,t opraHisuy (rloro vacl,tH) y::-,fivl.
1.11, [oroeopoM crpaxyBaHHF Moxyrb 6yl,r nepeg6a,reHi cruxir,rxi nuxa sripHo n.n. 1.9. qux [lpaar,rn:=',ti a6o i'x xorr,t6iHaqii') axryanuHi npr,t crpaxyaaHHi cinscurorocnogapcbKt/x TBapilH a6o iHu.:i crrxir,tHi nrxa
, :-::i4HO AO qrHHOrO 3aKOHOAaBCTBa.
llpuuirxa: roqHi Bt/3HaqeHHs ra .{ilcnoei noKa3HilKr/ crrxir,tHrx rilx noBilHHi 6ytu nigraep4Neni: .-l3KOM ligpoverqeurpy, [epxaaHoi cnyx6u YxpaiHr,r s uapsamvar,rHr,rx cmryaqir,t ra aignoaigurun
- . : - aeHilN4r4 CTaHAapTaMfi .
2. nPEAMET EOTOBOPy CTPAXyBAHHfl2.1.l-lpeguerou loroaopy crpaxyBaHHs e rrltaraHoei iHrepecn, u-lo He cynepeqarb 3axoHy, noargaHi s- .3AyBaHHstvt s6ilrxia, noHeceHfix CrpaxyaanuHfiKoM a6o iuuorc oco6on, Br/3HaqeHoCI CrpaxyaansHrKoM
---:aopicrpaxyBaHHfl, npil Bt4por.r.{yBaHHi, s6npauHi Bpoxap cinucuxorocnoAapcbKr4x Kynbryp i 6araropivnr,tx': -xeHb, Bt4poll-lyBaHHi (poeae4euHi), aigro4iani (yrpr,trvraHHi) cilucuxorocnoAapcbKt/x rBapuH, nrrqi,- . - 3 6gNonocituert ra xyrpoarx saipia, Bilpor{yBaHHi, poseegeHHi, arnoay (go6yaaHHi) pr6r ra iHurax- --,' ( xr4Br/x pecypcia, iHrLtoi' raapr,rHHrquxo'i npogyxqi'i.
2.1.1. IocieaNail (noca4xanitr) a6o ypoxaeM cinscuxorocnoAapcbKr/x Kynbryp i 6araropivHNx.-.leHu(sa BilHflTKoM Bpoxap npfipoAHLrx ciHoxocie ra nacoB14u-l):a qNrvrra [lpaernaur e:
- nociam (nocagrr) cinucuxorocnoAapcbKr4x Kynbryp a6o 6araropiqnrur HacaAxeHHfluut y ai4rprrorvy. :aKpilToMy ipyHri (osruux i rpoarx 3epHoBkrx, sepHo6o6oaux, rexHiqHnx, oBoqeBilx, 6aurauHux Kynbryp,
-::::o-Rri4ut4x Haca4xeHb, BmHoTpa4rrxia roulo) - a posrraipi 3arpar CrpaxyaanuHilKa Ha nocia (uacagxenu): :3u-lyBaHHs cinucuxorocnoAapcbKoi rynurypr,t (6araropivuNX HacaAxeHs), rala6o
- 6araropivHi HacagNeHHnrr,r (gepeaa i xyqi nno4oao-nri4Hr4x HacaAxeHb, lt-{o 3pocraorb y caAax,- - --ti, nicosaxilcHi ra iuuri 6araropivHi AepeB[HHo-varapnnroai HacagxeHHr, Br4HorpaAHnxr, posnnigurr<r,-'- '-.1r Toll-{0, reirxoei Kynbrypr4 (arniovarcvr uaciHHs, t-1u6ynuun, 6ynu6ra)) - a posrr,ripi aaprocri r..1ilx
, :-lreHb, rcla1O- ypoNata cinucuxorocnoAapcbKtlx Kynbryp i 6araropivHr/x HacaAxeHb nnoAoHocHoro airy - a posnaipi
,,:.---lri Bpoxarc.
2.1 .2. CinrcbKorocnoAapcbKr4M14 TBapfi HaMfi e:
BenilKa porara xygo6a - eirorvl eig vorrpuox rvricrqie;
roHi, B r.,r. nneMiHHi, - airo[it aig uecru nricnqia;
9
cBt4Hi - aixou aig qorilpbox rvicsrlia;xponi, xyrpoai oaipi - eixoM eig peox rvricrqia;aiaqi, xoer, aicnoxt,t, Mytr/ - eixonit aig uecrn rrlticrqia;ceir/cuxa nrtal{fl - aixorrl aig peox ruicnqis;ilui raapNut4, 3a3HaqeHi e fioroaopi crpaxyBaHHn (crpaycr, cirrr'i 64xin y BynilKax, pr,16a roqo).2'2' fioroaopoM crpaxyBaHHff Moxe 6yrr,t nepe46a,]euo o6Me*.rm aixi cinucsxorocnoAapcbKr4x rBapilH,-: :KhX nOUrprceTbCs CTpaXOBt4t4 SaXrCr.2'3' CinucurorocnoAapcuxi raaprHr, u-{o e crapui a6o uologmi sKasaHoro eixy e n.n. 2.1.2. tyxl1paar,rn,-' tt t 6yttt 3acrpaxoBaHi Ha CneqianbHilx yMoBax, 3a3HaqeHfi x a,!oroeopi arpr*yrrrrr.2'4' 3a oco6nfieil[4r yMoBaM[, rxi exasyrcrucr e ,loroeopi arprryrrrrfl, Moxe 6yl,1 sacrpaxoBaHa-.' : -; iHua cinscuxorocnoAapcbKa npogyrqin, Hixra, qo 3a3HaqeHa y nyuxri 2.1 qnxlpaeran.2'5' KonxperHa cinscurorocnoAapcbxa npogyxrlin, sKa nignnrae crpaxyBaHHF 3a KoHKperHru floroeopou-- rrlBaHHfl, 3a3HaqaeTbcn y floroaopi crpaxyaaHHn.2'6' BipnoeiAHo Ao qrax [lpaer,lr 3acrpaxoBaHorc Moxe 6ytn nxycn cinucuxorocnoAapcbxa npo4yxqin, rax:'leMa qacrilHa (vacruHa enrpar) - ara6ipxoae crpaxyBaHH
' l-lpr,t crpaxyBaHHi yciei ci;sconoroanoarp.o*o',':::'xqii'raoNe
6yfl,1 yxnageHrautAoroeip crpaxyBaHHn Ha noBHy aapricrs a6o, nurri, vacrqi,2'7'3a noroAxeHHFrr,l ei crpaxoBt/KoM aa floroaopor.ipu*yrr*He Moxyrb 6yrr sacrpaxoaaHigo4arxoai' -:=-tA' noueceHi CrpaxyaaluHt4KoM npr HacraHui crpaxoeoro BilnaAKy r4opo sano6irauus a6o sNreHueHHs, -. : sasua,.leHi a floroaopi crpaxyBaHHfl.
3, NOP9AOK B]43HATIEHHfl PO3MIPIB CTPAXOBI4X CYM TA PO3MIPIB CTPAXOBI4X BilNIIAT
3'1' B floroaopi crpaxyaaHHff 3a sro4oto..Cropiu rvoxe 6yrr acrauoaneHIra niuir aipnoai4anuHocri,- xa oxpeui argr cinucsKorocnoAapcuxoi npo4yxqii.;- ua oxpeui Br/At4 crpaxoarx prsuxia;- n0 K0xH0My cTpaxoBoMy BInaAKy;- n0 KoxHoMy 3acrpaxoBaHoMy nonro (ginnHqi).3'2' crpaxoarat,l nnarix (crpaxoarara BHecoK, crpaxoBa npenrin) nrara 3a crpaxyBaHH', FKy-: : ' ., BanbHLrx go60a',ssaH uil auectu crpaxoarary sri4uo floroeopy crpaxyBaHHfl.3'3' cnnara crpaxoBoro nnarexy rvroxe sgi,cHrcBarilc, ,-oiir*ro i6o 6esrorieKoB14M po3paxyHKoM.3'4' crpaxyBanbHklK np,a yKnaAaHHi ,loroaopy crpaxyBaHHn, 3a 3roAoro cropin Mao npaBo Ha cnrary
" - -:1olo nnarexy qacrfiHaMil y nopeAKy, Bt/3HaqeHoMy ,loroeopoM crpaxyBaHHfl, FKrqo igue Hru He-:::?aqeH0"
33;,tllf:T:if:,y}lj^'f::i:yyl ra posrraipie crpaxoBlrx Br4n,rar npu so6poeinunouy
3.5.1. Cr
' - " ':'rHF crpaxoaoi' (sacrpaxoeaHoi) 6araropivHoi epoxaraHocri ei4noaipHoi cinucuxorocnogapcuxoi Kynbryp, 31--::3 (sa ocraHHi rr,1iHirvryrr,I n'FTHaALlrrb poxia), onpilnoAHeHrx AaHilx ,QepxaaHnrr,1 xon,1irerou crarAcrtKt.npo cepeAHP apoxataHicru Arlfl agrr,tiHicrparilBHoro paraoHy YxpaiHr, Ha LliHy 1 qenruepa=-i::.::l3p:::r"i,:ff^lT]l:^I1 3*lrr1.l aa rrrrHyni poxra (a6o r, ,io4oo cropiH go,oropy Ha 3acraBHy[1y-:3r0 Bt/!! npo4yxqii, Bt43HaqeHy B ycraHoBneHoMy nopngxy) vr,t qiHy'cinucurorocno4apcuxoi npo4yxqii":-- -epe46aqeHoro onrlioHy qiH (nxr4o AaHe nonoxeHHn nepeAoiu.r. yrorrw gororopy crpaxyaaxun), ra--3axoBaHy nrou.ly, s croi'Naae 6ynl si6paHo apoxart:
CC = B,no x I x fl6,nr, pe,,
?.rro - crpaxoBa (sacrpaxoeaHa) epoxar,rHicru xynurypr;
I - rliHa 1 qeHrHepa npogyxqir'Kylbrypr4;lTcmp - 3aCTpaXoBaHa nroqa Ky|bTypr4.
3rpaxoaa (sacrpaxoeaHa) epoxar,,ricru pospaxoByorbcs sa eopuynorc:
B - B,.rpt+8""p:. ...]BrrrN
cmq i/i0
l
Ae:Bcepl + Bcepz + ""' +BcepN - cepeAHff BpoxafiHicrb Kyrbrypr4 B aAMiHicrpartaBHoMy parloui (o6nacri)-: -11/ K0XH0[0 p0Ky,
/v - xinuxicrb poKiB, 3a FKi crpaxyeansHilKoM Bil6ilpaerbcn crarhcn4qHa iH$opMaqin, ony6nixoBaHa-. : -'aaHil[4 xolvireroru crarvcrllKuyxpaiHr, Anfi po3paxyHKy crpaxoBoi, apoxarauocri rynsrypr.
Crpaxoaa cyMa He noBilHHa nepeBilu.lyBarr aaprocri 3annaHoBaHoro CrpaxyBanbHIKoM Bpoxao.3'5'2' B fioroaopi crpaxyBaHHn ea srogoro cropiH ruoxe 6yla r.rrrorr.* tip.*or. ei4noeiganuHicrs- -::xosl'lKa, sKa o6uexyerucfl crpaxoBt4M noKpt4TTflM. PiaeHu crpaxoBoro noKpr4TTs Moxe o1npatr,tcn---axyaansHilKoM npil noroAxeHHi si CrpaxoerKoM Ha piaHi aip !0 (n'rrgecnrr; aijcorxia 4o 80 (aicirv4ecn,,r)"::lrxia c-rpaxoeoi'(cepeguuoi') apoxataHocris.xpororu rvriHirvyrvr'y 5 (n'nru) aigcorxoaux nyuxrie,
3'6' BrsHaeeHHfl po3Mipie crpaxoeoi cyuu ra posuipie'.rp"rorr* Brnflar npu go6poainunoruyL ""rbrHPll314KoBoMy
crpaxyBaHHi cinucuxorocnoAapcbKr4x Kynbryp ra 6araropivnr,1x HacaAxeHb3'6'1' crpaxoBa cyMa BcraHoBrrcerbcn 3a 3roAoro crbpin l'ro*. 6yl,l' pospaxoBaHa:- AnF Bpoxao i nociaie - B Mexax ix eaprocri, ffKa Bfl3Haqaerbcfl rursxoM [epeMHoxeHHn:-i'lHboi' apoxataHocri Ha 1 ra 3a ocraHni tvriuinryru n'nru poxie, aignoeigHoi rliHr,, (saxyniBeflbHoi,- --:ipHoi', peanisaqir,1Hoi', pruxoeoi', onqiony qiHr,t iHu:e), qirovoi' Ha grrr- yKnaAaHHfl loroeopy-:irvBaHHfl ra nnoqi, e sl{oi 3anraHoBaHo orpilMarfi apoxara. l-1pr,r ai4cyrHocri noxasHuxia apoNarlHocri
- -:axyaanuHilKa 3acrocoBylorb aHanoriqHi AaHi roro rorno4uparra, 3 cffiaAy sxoro aiH ai4oxpeurancn' lepeAHbocrarrcrrqHi no par,louy i: :acrocyeaHHflM KophryBanbHilx r<oe6iqieHiia lnpr,1 norpe6i);
r-- . .
- Ann HacaAXeHb - B Mexax ix 6anancoaoi' eaprocri CrpaxyaanbHrKa 3a nonepe4uira pix;- npil crpaxyBaHHi errpar crpaxyaanurrxa Ha noila (eltca4xyaarrr) ,a 'BilporJ_lyBaHHfl':':-cl0cl'10!apcbKl4x
Kyilbryp, crpaxoBa cyMa BcraHoBflt0orbcfl B Mexax BilTpar Ha nocie ra rrpoqyrrrn,':-,ih fqyry xynuryp), nrqo iHue He nepe46avero ,Qoroeopo, .rpr*yrrrrr.
3'6'2' crpaxoBa cyMa Moxe craHoBt4Tt/.. neBHy qacrKy (aiacorox) eaprocri 3acrpaxoBaHoro npeAMery"" : -'\l crpaxyBaHHn' [1pr qboMy xoNtrtl oxperr,tr,tfi npeAMer AoroBopy crpaxyBaHHfl BBaxaerbcf;-- =r)B?HV1M Ha TaKy qacTKy (aapricru).
3'6'3' crpaxoBa cyMa npu Ao6poeinunouy crpaxyBaHHi nocieia (nacagxeru) i arapor4yBaHHflll" -:l : l(0rOCno.qapcbKt4x Kyn bTyp Moxe Bl43HaVaTnCfl :- y ei4noeigHocri s AoKyMeHraMil, tt-lo niAreepgxyroru posn,tipr BilTpar crpaxyaanuHrra Ha nocie'-'TaaHHr) ra Bilpol1{yBaHHF Bpoxao cinucuxorocnogapcuxor' Kynbrypr4, ua ni4craei gaHrx nraHy* -.',
f :r;,: ll,.:J,::::::. f,::l]y.:::l:lapcrBa (6isHec_nnaHy), eisnoeiAHn oyr,rnrupcbKr4x 4ory^ae'ria,- ra niscraai er,,rpar, noHeceHr4x crpaxyeanuHilKoM y ,rrynoiliili;';;;;;il;t#T r,fiilirlllil;'.:Xff Ha 3ararbHy nnou-ly cia6r,1 (ca4inHr) r<ynuryprr nia ypoxira poxy,'*u'r*i^ ymaAaerbcn loroaip
lpu LlboMy cyMa BilTpar crpaxyeanuHnxa Ha nocie (amcagNyeaHHn) Ta Brpou-lyBaHHF Bpoxalo':-ocnoAapcbKt4x Kyllbryp po3paxoBylorbcfl HacrynHilM qilHoM: Br/3HaqarcTbcq saransHi Bt4Tparv,sxi noHic':anbHfiK npfi Bt4polL{yaanHi cinucsxorocnoAapcuxoi Kynbrypr4 ua nnoqi 1 rerrapa, nxi crnagarcrscRi HopMarilBaMtl Anfl xoHxperHoi' cinucurorocnogapcuxoi'. Kynbrypr/ i cirucuxorocnoAapcbKor' souil,-.Ht/1Mt4 Ha 3ararbHy nnou.ly nocieia.aKl Bt4Tparr He Moxyrb 6yil'r 6inurL:i 3a HopMarilarii 4nn xourperHoi cinucsxorocno4apcsr<oi Kyrbrypr4,--ci cinucuxorocnoAapcuxoi sour (nonlccr, cren, nicocren).
3rpaxoaa cyMa He rvroxe 6yrr 6insuoto, uix cyua acix ararpar rocnoAapcrBa Ha nocis ra Bilpos.lyBaHH,:-ocnoAapcbxoi xynurypr,1, nepe46aveHilx rexHonoriero arapor4yBaHHfl Bpoxarc qiei'xynurypr,,.3,6,4. CrpaxoBa cyMa raKox Moxe Bfi3Haqarilce raKfiM L*4HoM:- Anfl KopMoBt4x KyI'lbryp - Moxe npvtnvtaruca nflaHoBa a6o cepegnr QaxrrvHa (sa ocraHHi rpr (n,Rrs,-.,r) co6iaapricru npogyxqii, qo cKnanacfl y rocno4apcrai;- n0 po3caAH[Kax, xsitax, iutLLrx argax cinucuxorocnoAapcbKr4x Kylrbryp, rri a pix nocaAKil (nociay)- He AarcTb, - 3a nnaHoBr4M[ 3arparaMil Ha nocaAKy (nociaj AouflA 3a HVM||,,- irpt/ crpaxyaauHi Bpoxao oco6nilso qiHuNx copria i xynjryp - nr aapricrb Bpoxao sa poruoaneHicrrc
- n0 Kynbrypax 3aKp[rrx lpyHrie (rpirr,r xaciHnrria), xairax, AeKoparfiBHklx pocrr4Hax, po3caAHilKax,rpr6ax - no cepeAHiN eaprocri KyrlbTyp 4aroi'rpynr,t', ,qo .nnurics y crpaxyBanbHrKa (a rocnogapcrai,oerioHi) B nonepeAHuorr,ry poqi;;$,
11
- n0 rpynax Kynbryp (rapronnr, oaovi aigr<prroro ipyHry, 6auraHHi) - eaprocri e nepio4 Macoeoi'.=:.risaqii npogyxrlii 3a nonepegnirl pix;
- y uicqeaocrflx, Ae npoBoAflTbcn noeropHi nocier oBoqeBilx Kylbryp a6o erapoqyorbcfl Kynbrypr/'lBoro oaoviaurqraa (y niegeuHrx pataoHax), eapricru ypoxap Kynbryp gaHoi rpynm Br3Haqaerbcn oxperuo i
. - ',1 logaerbcs Ao aaprocri ocHoBHr/x ra iuurx oBoLleBI4x Kylbryp;- no HaciHHrKax L{yKpoaoro 6ypnxa, KopMoBr4x KopeHenno4ia, oaovesux, 6auraHHfix npoAoBorbqilx-:-yp rol40 - sa saxynieenbHnMta qiHarrlr,t Ha uaciHufl, sxi crnanrcfl y nonepeAHuorvry poqi,- eapricru ypoxaP e$ipoonir,1nfix Kyrbryp (xopiaH4p, M'flTa, repaHb, aHic, $eHrenr, raBaHAa ra ingri)
--: Bl43HaqeHHfl crpaxoaoi cyur o6paxoayerbcfi oKpeMo ArR KoxHoi xynsrypu, BilxoAflqil is cepeguuoi' - - ar,1Hocri 3a rpil-n'FTb poxie, 4itovrx 4oroaipHrx qiH e po3paxyHKy Ha nrou.ly, g sxoi' oAepxaHa npoly,[i, y' -:-HoMy poqi. AHanorivHo pospaxoByerbcn aapricru ypoxalo 4nn rpyn nixapcsrrax poc1l4H ra iHurx rexHi.rHilx---lp;
- crpaxoBa cyMa He noBilHHa nepeBl,tu{yBarr eaprocri 3anflaHoBaHoro CrpaxyaarbHr/KoM Bpoxa}o;crpaxoBa cyua si crpaxyBaHHn 6araropivHr/x HacaAxeHb po3paxoByerbcff, npu virxo ar,1paNeHiN:' lll'leHOCTi nnoAoHottleHHff - no poKax, nxi eipnoaigaorb poKy crpaxyBaHHn, T06T0, npra crpaxyeaHHi
::-'xqii',cagiaHraqraa B napHoMy a6o HenapHorr,ry poqi aapricrs Bpoxap B[3Haqaorbcr aignoeigHo 3a rpfi, - -,'x a6o rpr HenapH[x poKt4 ia ocrauHix u.]ecril.
-3'6'5. Bapricru Bpoxarc Br3Haqaerbcfl oKpeMo Ann xoxHoi KynbrypLl, copry, nxqo iHue He nepeg6aveuo- -:lp0M crpaxyBaHHfl. CrocoeHo oeoqia i 6auraHHrx, ciqHrx 6araropivHrax rpaB, nnogoao-nrigHuxr -{eHb, xeirie, KsirKoBo-AeKoparilBHt/x pocnilH i irvr nogi6Hrax rpyn, ro aapricru Bpoxao Bil3HaL{aorbcfl B
- --',', Aflff Br4Ay ra copry, nxqo iHue He Bil3HaqeHO floroaoponir crpaxyBaHHfl.3'6'6' Bapricrb ypoxarc ogHopivHrax i 6araropivHr,t* iisHrrx rpaa o6vrcnperbcn gnr eciei nociaHor' nnorqi,
: "-FTKOM
nocieie, ulo Bt4Kopl/croBytorb Ha Bilnac xypo6vr, nxqo iuue ue nepe46aveHo loroaopovr-":,,BOHHF.
3'6'7' 3anexxo aig 3oHfi Ta yMoB, y flKr/x Bt4porJ.lyerbcf; Kynbrypa, crpaxoBa cyMa 3a floroaopovr--- :' TBOHHfl Bt43Haqaerbcfl g o6og'ggxoat,t[4 ypaxyBaHHflM BnnilBy xniMart,1.]HNx ra iHuux ,.{r/FrF,/xis::-exHi'lHt4x Bt/Mor u-{oAo Bl4poulyaauHr), sxi raxox 6esnocepe4Hbo BnflilBaorb Ha craH nocieie y pisHrax
: :.: ( po3Br4TKy pOCnfiH ra sopuyaaHHfl BpOXao.3'6'8' fiorosopovr crpaxyBaHHF Moxyrb 6yrn BcraHoBneHi pogarxoai crpaxoai cyML4 (nirvrirr,1
--::i4anuHocri CrpaxoeNr<a) Ha ai4uxoAyeaHHr CrpaxyBanbHilKy AoAarKoBl4x goqinuHrx Brrpar, noB,fl3aHilx-::-aHHsM CTpaXOBOrO BilnaAKy, TaKilX flK:- Bilrparil CrpaxyaanuHilKa Ha nigcia vr,r nepecia sasHaqeHoi'a [oroaopi crpaxyBaHHq osrruoi Kynbrypy,- -: lTpa4ana eHacligoK crpaxoBoro BilnaAKy;- 3axoAr4 nlopo sano6iraHHs ra 3MeHUeHHs e6rrxia.I-lpr quoniry posrrllip raroi 4o4axoeoi crpaxoaoi cynar (nivriry eignoai4anuHocri Crpaxoaraxa) HanexHilM-. ,,, Br43HaqaoTbcn y !oroaopi crpaxyBaHHF,3'7' Br'rsHa'leHHs po3Mipia crpaxoeol cyruu ra posrvripie crpaxoBux Br4nflar npn go6poeinunouy
- : ryeaxxi cinucuxorocnoAapcbKr4x rBapt,tH3'7'1' CrpaxoBa cyMa BCTaHoBroerbcfl B Mexax aaprocri cinucsxorocnoAapcbKlilx rBapnH ea qiuaur,. i" .aMtA' u1o 4iroru Ha MoMeHT yKnaAaHHH fioroeopy crpaxyBaHHe, qKU]o iHue He nepe46aveHo floroaoporvr-* :,.3?HHF.
3'7 '2' Crpaxoea cyMa Bn3Haqaerbcn Ha nigcraai 4oxyueHrie, u-{o ni4reep4xyrcru aapricru: ,:.ot-oct1oflapcbKr4x rBaprH, a6o aa goruoeneuicrro CropiH,
3'7'3' crpaxoBa cyMa He noBrHHa nepeBilu{yBaru piircay (prauxoay) aapricrs rBapuH, r.r.lo cKnanacg B- -- cTpaxyBaHHfl.
3'7'4. Bapricru cinucsxorocnoAapcbKt4x rBapilH ra nlaqi Bil3Haqaerbcg 3a rpynaMil: Ben[Ka porara- :: cerHi, aiaqi, xosr; roui; ceiracuxa nrnqF; xponi, xyrpoeiseipi; iHuiraaprHr,
3'7'5, Bapricru cilucuxorocnoAapcuxrx raaprH/nrrqi naoxe Br3Haqarilcff, FKrro iuue He o6yruoaneuo_. -::30M
CTpaXyBaHHq:
- Anfl opl4At4tlHt4x oci6 - sa 6anaHcoaorc aapricro 3 BilpaxyBaHHflM arvoprraeaqiltHllx aippaxyBaHb no::'3r-ocrl0,(apcbKt/x rBapilHax (po6ovita inpogyxn,tenir,t xygo6i), u.{o HapaxoByrorbcfl Ha nrgcriei Hoprvr',M, -,':aqir,1urax eigpaxyaaHb, BcraHoBneHtax Lt14HH14M 3aKOHOAaBCraorvr yxpai'ura;
- 4nn Sisr,lvnr,lx oci6 - 3a pilHKoBorc eapricro cinucuxorocnoAapcbKr4x rBapilH, r4o cKnanacn a perioHi: 3AHHfl.
12
3.7.6. l-1pn crpaxyBaHHi ecuoro noToniB'fl B rocnoAapcrsi garanuHa crpaxoBa cyMa BfipaxoByorbcfl,, -
-Felzr is crpaxoeoi cyMil Ha oAHy rBapilHy ra KinbKocri TBapilH l_{boro BhAy,
3.7.7. 3aranbHa crpaxoBa cyMa no KoxHoMy Br/Ay rBap[H 3aflBnnerbcn oKpeMo i e ogHaxoailx qacrKax
- - '-rcF Ha ecix TBapilH t-lboro BnAy, nxi ouaxogrTbcs y rocnoAapcrai,3.7.8. Frqo npornroM crpoKy gii !oroeopy crpaxyBaHus rinuxicru 3acrpaxoBaHilx rBapfiH s6inuuyerucn,
iar-aflbHa cyMa nponopqit/1Ho posnoginnerbcfl Ha KoxHy rBapilHy. [1pu sueHueHui xilurocri sacrpaxoBaHilx:::/H CTpaXOBa CyMa Ha OAHy TBapilHy He SM|HOoTUCC.
3.7.9, fixqo qe nepeg6aqeHo EoroBopoM crpaxyBaHHn, go eignoaiganuuocri Crpaxoanxa AoAaTKoBo: "irb BKlltoqarilcF Bt4Tpar[ CrpaxyaanuHnxa, noa'sgaHi 3 BL4MyueHfiM 3a6o0M (earaHasiero;-:lrKol-ocl-loAapcbKt4x TBap[H, a caMe AocTaBKa TBapilHr4 ArF Br4MyUeHOrO ga6Orc (eAraUa3i'i) Ha nprr,rruanuHrr,r-.- (aerepr,tHapnvu saxnag), nnara 3a po3Tr4H rr'rpyna Tou.lo.
3.7.10, Crpaxoaa cyrraa a6o nirvrir ai4noaigansuocri Crpaxoarra Moxyrb 6yrr acraHoeneHi no oKpeMoMy--;xoBoMy BilnaAKy, oKpeMoMy crpaxoBoMy pr43r4Ky, rpyni crpaxoBr/x B[naAris, no oKpeMoMy npeAMery qil
3.7 .11. CrpaxyeanuHrr Mae npaBo niA qac crpoKy Aii floroeopy crpaxyBaHHe AocrpaxyBaril' -::pr46an[x rBapilH, yKnaBUil gogaxoaura gorosip si cnnarorc AogarKoBoro crpaxoBoto nnarexy Ha BilMory_::XOBilKA.
3.8. Iliuiru aignoaipansHocri ua crpaxyBaHHff AoAarKoBr/x Br4Tpar, FKu-{o BoH14 noKpIBarcTbcfl 3a
- -:3opoM crpaxyBaHHF, Moxyrb craHoBl4Tt/ He 6inuue 10% aig crpaxoaoi cyMil 3a floroaopona crpaxyBaHHn,
-: iHue Ht4M He nepeg6aveHo.3.9. I-lpr yrnapauui floroaopie crpaxyBaHHe 3 ypaxyBaHHHM yMoB Po:giny 3 r4,rx [lpaalrn 3a 3roqoto--: H Moxe BcraHoBrlloBarrcn SpaHuil3a - qacrilHa s6rruy, u-lo He aiguxopoayerucn CrpaxoBr4KoM sriguo :
- --3opoM crpaxyBaHHn. OpaHursa Moxe 6yl,t ynloanop a6o 6esyuoeuorc, BcraHoBnroBarilcb nx y aigcorxax: --paxoeoi cyMt4, TaK i a rpouoeonry ar,tpaei. QpaHuusa Moxe BcTaHoBroBarilcfl no oKpeMoMy crpaxoBoMy-'-ry/rpyni crpaxoBt4x arna4xie, no oKpeMoMy crpaxoBoMy prastaxy/rpyni crpaxoaux puorxia, no oKpeMoMy
"::"leTy AoroBopy laupy 3acrpaxoBaHilx Kynbryplraapuu, sa loroeopoM crpaxyBaHHn a qinouy. Br,rR i poarvrip
-" =-!A3t BKa3yerbce e loroeopi crpaxyBaHHn.
4. CTPAXOBVr pn3nKTA CTPAXOBI4h BInMOK
4.1.y [oroaopi crpaxyBaHHF Moxyrb 6yrr sasuaveHi eci HasaHi s nepeniveufix y n.n. 1.9.-1,'10. qr,rx::,lfl crpaxoai ]LA3IAK:A (arryanuni gnn ai4noaiAHoro augy cinscsKorocnoAapcuroi npo4yxqii), a6o nuue genxi
4.2. Bunapxr4 Bl/3Haorbcfl crpaxoBt/Mr4, ffKllo BoHta Hacranil--: ..ir4M He nepe46aveHo,
4,3. 3a qilMk1 [lpaernaur crpaxoBt4M BilnaAKoM' - . :K0r-oct-toflapcuroi npogyxqii uoxe 6yrr:
4.3.1. llo crpaxyBaHHp Bpoxap - HeorpilMaHHn a6o HeAoorpilMaHHe Bpoxarc cinucurorocnoAapcbKr/x-:-/p BHaclligox npnrvroi 4ii crpaxoer,tx prsrxia (orpervrr,tx a6o ix xorr,r6iHaqir,l);
4.3.2. I-lo crpaxyBaHHo nocieie - noBHa a6o qacrKoaa aaru6enu nocieia Ha ecir4 a6o qaclaHi nnou-1i nonn-
---rr) aHacliAox npnuroi gii crpaxoamx prsurie (oxpenrr,rx a6o ix xorr,r6iHaqir,r);
4.3.3. I-lo crpaxyBaHHo 3arpar ua nocie ra BilpoLr.lyBaHHfl - noBHa a6o .tacrxoea saru6ens nociais Ha,50 .racrilHi nnoqi nonn (4innuxu) anacni4or< npnrvoi'gii crpaxoaltx prarria;
4.3.4. l-lo crpaxyBaHHo HacaAxeHb - nouKoAxeHHff talalo saru6ens aHacnigox npnuoi gii'crpaxoarx. a(oxpeuux a6o ix rou6iHaqir,r);
4.3.5. Io crpaxyBaHHo cinucsxorocnoAapcbKr4x rBapfiH B14KpaAeHHF, saru6enu, nagiN a6oJ0Hl/14 sa6ir,r sacrpaxoBaHilx cinucuxorocnoAapcbKr4x rBapIH , l].lo crarilcn auacnigox npnrvroi pi'i crpaxoer,rx. a (oxperutrtx, a6o ix ronr6iHaqir,r).
4.4. MylurIpil3t/KoBt/M BBaxaoTbcfl crpaxyBaHHn scix 3 Hr4)KLle nepepaxoBaHrx prerria saril6eni-:,-r,t) cinucuKorocnoAapcuxoi npogyxqii a6o ii,.lacrilHfi aHacnipox:
3aMopo3Ky; oxenegi; BilMep3aHHs; rpaAy; yAapy 6nncxaaxn; naBnHV',3eMerbHoro 3cyBy; 3eMerbHoro'" jeMerbHo-BoAHoro cenrc; 6ypi; yparaHy; 3nnBV', noxexi, noseHi, naBoAKy; nocyxrl qil 3HeBoAHeHHF Ha. -iX, rxi niAnnraorb nprMycoBoMy 3porueHup a6o paBoAHeHHo; eniroSiroriutHoro po3Br/TKy xeopo6;" : -orit,rHoro po3MHoxeHun uxigHNxie; aropuHHnx xoopo6 pocnfiH; nporilnpaBHnx piitrperix oci6;
13
a nepio4 gii loroaopy crpaxyBaHHff, eKrrlo
npil 4o6poainuuorr,ry crpaxyaaHHi
4'5' lnn cinucsxorocnoAapcbKt/x Kynbryp, rxi e',por4yroru y rpynrax, u-loAo nrrx s4ir,1cHeHo KoMnfleKC
,ia prrr*y rrarip,ff. ;A; ;;il;;#ri#ffi ,;]'ff #;:-:-.,tao eucnninn, ana^il -^t^c^
,o rv .rp.rvr r r ;t Jrilr;;rrd;;;;;" ffi ;r'il'noaiituoui f'lnrno^^^",:-:13:.:'i"l'i:::?:i:'l:lliiiHn, a caMe: saira6ens, nuai*;;ffiyd^ii"rrar,]liffiffi|- : tbKotocnoAapcbKr/x TBapilH euacnigox:
- noxexi, att6yxy.,- ctuxiitut'tx nilx: yparaHy, flaBhH; 3cyBy, o6aany, ceflo, noBeui, naao4xy, KaMeHenaAy, rpaAy, 3nnBt.,- .-eTpycy ra iHurx cl4xir/Hr4x rrx, nepe46aqeH[x fioroeoporvr crpaxyBaHHF;- HeqacHoro tTSl*l
::M:ryalHn, yAyueHHn, nagiHHn B yu.{enrHy (np), Haispy rpaHcnoprHr/x eaco6is,-.:eHHf, HanaAy saipie, yxycy orpyranilx sruira a6o xouax, orpy.rm tligrrrrrr"'fir.rr,to..iffiffi:-
"KTaMil fOOitlHc TnAR[\itarr,4ur..r/., \/r rrr^nv6,,L ,^-^ ^tr^ -----i[*iJ:jJl";^'f^1}1l1y'l v-T.11*31't coHFL]HoTo a6o rennoao'o varpv, ;;ilil, ;il;;;;il;;,q,\vHlr\snD, uunxyHUru duu reilJroBoro yAapy, 0nrKrB, obwOpoNeHHn,
::=_"1:j:flTlli3;,^l,r]?T::::^?^ll]_1ro'i urnxr/ vyxopi4uoro Tira, ni'dirnh 3 BilcoTr,4, ypaxeHHn-3r4qHu'i\4 crpfl:y^r^, illoro Heu.lacHoro BrnaAKy, nepe46aveHoro floroaopor'.rpr*yrr,.,rr;- xaopo6 (saxaoproeaHu);- naronori,tHrx noloria;- aeapiNurax arnagxia, BKa3aHfix a loroaopi crpaxyBaHHfi;- npoTilnpaBHnx Aii'rperix oci6 (ararpageHHfl 3acrpaxoaaHoi TBapilH14, rpa6iN, pos6ir,l, xyniragcrao, HanaA-::roi'6aupu, nipnan ra iuui npor[npaBHi Aii', nepe46ururlgororopoM crpaxyBaHHfl, r].loAo 3acrpaxoBaHilx' : -:i0lOCllO,(apCbKt4x f Aapf H);- po3nopeAxeHb AepxaBHoi aereprHapnoi cnyx6il, noB'f,3aHrra s npoaepeHHlM 3axoAia no 6oporu6i s: _-rerc.
4,7.3a 3roAoto CropiH y floroeopi crpaxyBaHHfl4.8. flogarxoao, FKu.lo L{e nepe46aveHo
- _.lBarficb qo4o ai4uro4yBaHHfl:
Moxyrb 6yll nepe46a'.leHi raxox inui crpaxoa i awnapxn.!oroaoporvr crpaxyBaHHfl, crpaxoama 3axflcr Moxe
- BilTpar Ha sano6iraHHq a6o 3MeHUeHHfl s6ilxie, 3aBAaH[x B pe3ynbrari crpaxoeoro BrnaAKy'. - -aHHs nouJilpeHHl noxexi, pflTyBaHHfl TBapilH roqo);- BilTpar Ha niryaaHus cinucuxorocnoAapcbKt/x rBapilH y 38'F3Ky 3 3axBoppBaHHFM Lr14 TpaBMoro;- s6ilrxia y pasi HeMoxnilBocri auxoprcraHun cinucooorocno4upcbKr4x rBaprH 3a npil3HaveHunu (gnn" --,1X rAaprH);- lHtLlt/x AoAarKoBt4x Bttrpar, noB'e3aHilx:i crpaxoaru BhnaA(oM, i sasHa,reHrx a floroeopi crpaxyoaHHn.
5. B[KfllotlEHHfl 13 CTPAXOBI4X BilnMKlB I OEMEXEHHfl CTPAXyBAHH9
5'1' He nignrrarcru ai4uro4yeauHro crpaxoBr4KoM 3a qrMH llpaarraur Henpnrrli tfuutxu (ynyqeHail 'r i/oparbHa ruKoAa, e6wrn saeAaHi rperiri,t oco6arra aHacni4ox .no*rrarrr'laraiopracrauHn) npo4auoi. vra-.'rFX0M nepeAaHOi 3aCTpaxoBauoi cirucuxorocnoAapcbr<oi npogyr<qii.5'2' He ei4urxogoeyrcrbcfl ptA3t/1KLA, trlo Br/HrKnil go novarxf gii goroaopy crpaxyBaHuR, ane 6ynrdr,il; -:- riluxr nicnr yxnapauHn !oroaopy crpaxyBaHHF.5'3' floroeopoM crpaxyBaHHl Moxyrb 6ylr nepeg6a.reHi iHrxi BilKnpLreHHfl is crpaxoarx aunagxia, Hix ri,,. -:qeui y qrax llpaemnax.5'4' BraffrroqeHHg is crpaxoBt4x arnagxia npr crpaxyBauHi cinucuxorocnoAapcbKr4x Kynbryp (npo4yxqii; I " --,lqraa)5'4'1' ffxr'qo isue He nepe46aveuo yMoBaM, loroeopy 4o6poainuHoro crpaxyBaHHs;- : --3CnoAapcbKr4x Kynbryp (npo4yxqii pocnilHHr/L{rea), He ni4rrrarcru crpaxyBaHH0:- :inucuxorocno4apcsxi Kynbryp14, qo erciaarcTbcs Ha 3eneHe 4o6preo, seneHrr,, xopr,r;- -paBr nprpoAHr4x ciHorocia ra nacoBr4u.l;. :inHi ni4noxpreHi i 6esnoxprani 6araropivui rpaar;- :poNar,, niAnorpraHrx ra 6esnoxpr4BHr4X 6araropivnr,rx rpaB;-:lnbcbK0rocno4apcuxi Kynbrypl/, sxi ailciearr.lcr crpaxyBaflbH14KoM rp14 ocraHHi poxr,1 ni4png, ane{mL- -_ coxy aig Ht4x He orprMaHo Bpoxap;- coprl4 rc ri1pugn cinscsxorocnoAapcbKt4x Kynbryp, sxi ue partoHoeaHi a periori rraicqr crpaxyBaHHfl y:-0My n0pflAKy;
14
- nociBl4, 6araropivHi HacagxeHHR, Rxi: .- bcbKorocnopapcuxi yrig4n
;
He 3HaxoAsrbce B aoHi o$iqir,tHoro 3eMneBnopFAKyBaHHF, FK
- 6araropivHi HacaAxeHHF, no FKt4M Crpaxyaanuuux npornroM Tpbox poxia, u-lo nepeAyBanil'-:axyBaHHo' He oAepxyeae apoxata a6o rycrora t'x ueHue 70 ai4corxia Heo6xi6Hoi'rinsxocriAepeB (xyrqis) Ha-eKTap, qo ni4nnraorb cnrcaHHp e 6anascy y 3B'fl3Ky 3 nnaHoBoro pexoHcTpyKqiero i er,rxopqoByBaHHqM
,!coAHr4M aigrr,rrpaHHrM, ncyBaHHFru ra iHue, apaxeHi xaopo6arrar u:xi4Huxaur poinrr;- nocieil (nocagxra) cinucuxorocnoAapcbKr4x Kynbryp, r{o 3HaxoAflTbcfl B soHi, sxir/ 3arpoxyrorb o6sann,
.ll: 133?i]l:jli :.rr111 ttr,lr-r-{a, - 3 MoMeHTy ororoueHHn y BCraHoBneHoMy nopFAKy npo raKy 3arpo3y
:-oaigurur opraHaMI HamffAy y aigaHHi FKr/x 3HaxoArrucr raxi 4ii;- cinscurorocnogapcuxi Kynbrypt/ cyqinuuoro cnoco6y nociay, sxi gacisHi Ha nonnx (ginnuxax) 3 yxhnoM-:u0 70 ei4 Hynsoaoro piauR, a npocanui Kyrbrypr4 - 3 yxilnoM 6inuue, uix 30;- cinscsxorocnogapcuxi Kyrlbrypl4, Rxi Ha uoueHT yKnaAaHHn ,Qoroeopy crpaxyBaHHfl Malorb seHi osHaxil
::ieHHF XeOpO6ari,tr i uripHrxauil Ta nopyueHHF HOpManUHoi eereraqii';5.4.2. cinucuxorocnogapcuxi Kynbrypr4, nepepaxoaaHi B n.n. s.4.j. qrx ;paarn, Moxyrb 6yn
;:-3axoBaHilur tinurr B_ToMy BilnaAKy, FKu-{o Lle npflMo 3a3HaqeHo a loroaopi crpaxyBaHHr, a eigo6pa*arrry-:3My BiAnoeiqHrx oco6nilaocrer,l crpaxyeaHHF BKa3aHilx Kynbryp.
5'4'3' flxqo yMoBaMfi floroeopy crpaxy,BaHHn He nepeg6a,]eHo iHue, CrpaxoBr4K He eigu.rxo4oeye-<t/, sanoginui CrpaxyaaruHr,txy (Br,tropoHa6yaavy) npr crpaxyaauHi cinucuxorocnoAapcbKr/x Kynbryp- ::yxr.1ii' pocrr4HHr4t_lraa) y pasi:
- crpaxoBl4x arna4xia, rxi rpanrnncb y raKy nopy poKy, Konil 3a arporexHivHkrMr4 yMoBaMr 4nn gaHoi'-:eocri ipot<y, epoxat,l cinucbKorocnoAapcbKt4x Kyrbryp ra 6iraropivHr4x HacaAXeHu noailHeH 6y1,. oi6paHranr,- npnuoi' a6o no6iqHoi gii ngeproro er6yxy, pa4iaqii a6o pa4ioarrilBHoro aa6pygneuHs, nos,qgaHo'r' s-:-flKl'lM 3acrOcyBaHHsru arorr,luoi eHeprii rcla6o B,4Kopt4craHunu rrlarepiania, qo po3qennoprbcF;
- PrrHUru Pul{y tsocHHt4x Alil 400 Bll4cbKOBt/x saxoAia ra ix Hacni4xia, suapngu aihau, araKox auacnigox
- :TY:^i:'ff"::ylrl rltonvreHu i crparlxia, aqeury a6o surqeHHn Bpoxarc cinucurorocnoAapcbr(r/x-:-,p, t"lociBia i 6araropivurx HacapxeHb Ha BilMory eirlcuxoeoii vr,r qr,teinunoinbHot BnaAil, npnMr/x a6o no6iqHmx- :KrB Tepopt4cril..tHilx arrirB, BKllroqarcqil nouKoAxeuus a6o 3Hr4U.leHHfl Uar,lHa ai4 noNeNi a6o en6yxy, npflMo:: r.1HO 3 LlilM noB'fi3aH[X;- HaBMrcHl4x gita a6o ueo6epeNHocri, ueg6anocri Crpaxyeanuurxa, Buro4oua6yeava etA ix
:---3BHt4KiB, tLlrarHoro nepcoHary CrpaxyaanuHilKa - roprpnvHoi oco'6r, qreHia poAr/Ht4 CrpaxyeanuH[Ka ---:t oco6r a6o iHurx oci6. u1o cninuHo npoxilBaorb ra BeAyrb 3 Hr4M cninuHe rocnoAapcrBo, a raKox-- ' oci6, nxi aiAnoaiAHo Ao 4oroaopia si crpaxysanbHr/KoM Hecyrb so6oa'qeaHHfl rloAo s6epexeHun-- : (OBaHOIO UatzlHa;
^-j.i11l' a6o posxpaAaHHl uat,lra nip vac (a6o 6e:nocepegHuo) nicrs uacraHHfl crpaxoBoro BilnaAgy,--paxyBanbHilKoM ue 6yno s4itacHeuo raxogia gnn sa6esneqeHHn o6epexeuHn uar,1Ha, fiKe 3arhur4rocn:-3axoBor0 BilnaAKy;
- 3Hr4KHeHHff rr,lataHa 6eseicrr;- B14Hr/KHeHHr 6y4U-nxoi eignoeigansHocri nepep rperiurn oco6aun;- npoBeAeHHr CrpaxyaanbHfiKoM po6ir is 3aopeHHfl nouKoAxeHilx nocieia, nepeciaaHHn a6o 4onycxyxy4o6u Ao ornnAy raKfix nfloul Crpaxoamrorvr (npegcraaHhKoM Crpaxoarra) ,r'.*nr4rHun CropoHaur
:-r0r0 aKTy ornFAy;- TexHoreHHrx aeapiil, xiMi,]Horo a60 6ypu-nxoro isrL:oro sa6pygneHnn:-ocnoAapcbKr4x Ky|bryp i 6araropivHr4x HacaAXeHb Ta HaBKOnhUHbOto
=rio4y goapieauHr Bpoxap;' HeBrKoHaHHfl (a6o qacrKoBoTo erxoHaHHr) CrpaxyaaluH14KoM perorvreHgaqir,t Crpaxoer,1xa a6o
=axeuoi Crpaxoanxout oco6r, npaBfin ra nprnrcie opraHle noxexHoro HarnflAy ra iHurx KoMnereHTHr4x, BCTaHoBfleui crporr,r;
^1?11'_tlir CrpaxyaanbHilKoM arporexHivut4x Br4MoT u.{oAo Br4poLqyBaHHs, eorpaHnn ra e6epiraHHn. lrfl bcbKoTocnoAapcbKr4x KynbTyp,
' xaopo6r,1 pocnilH, nxulo sano6ixui saxogll uloAo po3Br4rKy ra nourpeHHn ue sgir,tcHroaanfics a6o,.il,: '"-.anucfl He e noeHiN n,lipi iraxe flBfiqe He Bil3HaHe,,Enisiroriero,,.,- BTopt4HHI4x xaopo6 pocnrH, flKtl-10 BoHt/ He cnpuvraHeHi 3acrpaxoBaHilM14 3a qr,lu .[oroaoporvr::'lHF pt43ilKaMil;
Ta 3apaxeHHfl Bpoxarc, nocieycepeAoBr4LJ.la Ao, niA qac a6o
15
-,r.lJKOAXOHHF BpOxa|0, noclBlB tUK|AHrKaMil pocnnH 3a yMoBt4, flKu.lo Ait'Ta 3axoAt4 6opors6r,1 3 HilMt/ He-: -":,,.-l,,lcfl a6O npoBoAVnvcfr He e noeHirl rvripi.
5,4.5. Fxqo iHu.te He nepeg6aveHo yMoBaMil floroeopy crpaxyBaHHn, npil crpaxyBaHHi 6araropivHrx{l ;--3Hb eigurpaHHn (norvrxa) oKpeMilx rinox, napocrxie 6araropiqHhx HacaAxeHb He po3rnflAaerbcfl rK- : -iAt1B[naAoK, llosHa garr6enu eHacnigor HacraHHfl crpaxoBt4x prerria Bil3Haerbcn rinuxr rogi, ronu a; - ?50 xyqia aignrr,tpaorb nigseHaHa i HaseNaHa Lracr[Hul, Konil KpoHa (noaa), a6o xopeHeBa crcreMa- -
-':eui Hactinuru, u-lo HacaAXeHHn nignnrao BilKopqyBaHHp, i xolr yuKoAxeHa HaA3eMHa LtacrilHa. :-)CF.
5.4.6. YMoaaum floroaopy crpaxyBaurn Cropour/ Moxyrb sMeHUilTr4 nepenix Br/KnoqeHb is crpaxoarx-:-'B Ta o6uexeuu crpaxyBaHHfl, a6o nepeg6avr,rna iHui BilKnpqeHHF io6rraexenun crpaxyBaHHe 3arexHo:-:4r$ixN npeAMera loroeopy crpaxyBaHHfl, flKr{o BoHfi He cynepeqarb 3axouy.
5.5. BrxnroqenHn is crpaxoBt4x ernagxie npil crpaxyeaHHi cinscbKorocnoAapcbKr4x.'-rrqraa)
TBaprH (npogyKqii
5.5.1. Ft<u1o iHue He nepeg6aveHo fioroaopovr go6poainbHoro crpaxyBaHHg cinucurorocnoAapcbKr4x'- He ni4nnralorb crpaxyBaHHrc raaprHr, Rri:- A0 yKnaAaHHfl ,Qoroaopy crpaxyBaHHn BBaxanilcfl xBopr4Mr4 rula6o y eKr4x na6oparopumwu
:ieHHflM14 ycraHoBneHa n03ilTr4BHa peaxqir Ha neBHy iHser<qiNHy xeopo6y;- nepe6yaaroru y uicqeaocri, 4e oronoueHrfi KapaHTilH, nxqo raxrra rttae 6esnocepeAHe eipuoueHHn po
:3p14H;
- yrpr/Mytorbcs Ao He eignoeigHrax 3ooBerepilHapHilx Bt/Mor;- yrpl4Mylorbcn y cnOpyAax, u.lO 3HaxoAflTbcs e eoHi ni4aruleHoro p[3t4Ky, nrir,r sarpoxye noeiuu, scya,- ',u itttLLi ptA3tAK:A - 3 MoMeHTy ororoueHHfl, B ycraHoBneHoMy 3aKoHoAaBcraou Yxpai'Ht4 nopflAKy, npo raKy
:
- nepe6yaaoru e craHi AopoAoBoro vr,1 nicnnpoAoBoTo 3arexyBaHHfl;- He AOCflrnil a6o nepearau-lyrorb eixoay nrexy o6yrvoBneHy qnurr,1 [lpaanflaMh;' He npor,1unr Heo6xi4Hy peecrpaqiro B opraHax 300BeTephHapHoro
: ; -:sHHapHOrO CaigOqrAa),HarnFAy (He MarcTb
' He npotaunra Heo6xigHi u-{enneHHfl (u1o niqraepAxyorbcfl BerephHapHoro 4oai4r<0CI BcraHoBneHoro
5.5.2. He aiguxopoeyorbcq 36ntKvt, saagani CrpaxyaanuHr,rry (Braro4oHa6yeavy) y paoi:' lnaHoBoro sa6oo rBapfiH, a raKox is rocnoAapcurmx uipxyeaxu (crapicri, no,rrr*eHu, npo4yrrrauocri,
,,.' .. ::aniaarlii' u'nca);- sarfi6eni a6o eruyueHoro sa6orc TBapuH qepe3 BTMKHeHHfl cr/creM onareHHfl, aeHrranrqii (s npr,rvraH* : :3aH,'lx 3 Bt/MKHOHHflM eneKTpoeHeprii B 38'fl3Ky ig HactaHHsM crpaxoBoro pr,1sraxy) a6o iHuoro
1I- :.- :-Hff , BI4MKHeHHfl enerrpOeUeprii;' 3Tparil sgarHocri rBapfiH go sannigHeHHfl, FK pe3yrbrar xeopo6r,t a6o neqacHoro BilnaAKy (nxqo iuued!'.=:5aqeHo
floroaoporvr crpaxyaaHHn);- xaopo6 Ta rpaBM TBaprH, qo 6ynra siAorvi CrpaxyaanuHLlKy Ao MoMeHTy yMaAeHHfl loroaopy
B14K0pl/craHHe rBapNH CrpaxyaansHilKoM (Braro4oHa6yaaverv) He 3a npfl3HaLleHHRM a6o. _-3HHFM 3a npr3HaqeHHnM, He BKa3aHilM a fioroaopi crpaxyBaHHfl;- ,arr6eni rBap14Hr/ ei4 aNcHaxenHn (xaxexcir);' i'lt4KHeHHfl TBap[H npfipoAHt4M unqxoM (sa6nyranr, BTeKnn s rrlticqn yrptaMaHHg ror4o)' -cy6oi ueo6epexHocri CrpaxyeanuHraxa (BrarogoHa6yaava), rloro- nparlisHr,lxie, npeAcraBHhxia a6o, : -3 ciM'i, qo npil3Bena go sarr6eni raaprH;' :yAb-FKt4X Bil/CbKoBt4X git,{, aroprueHHg aitacux, noBCTaHHfl, rpoMaAcbKr/x 3aBopyueHb ra cTpa[KrB,
BfinyqeHHF, HaKriaAeHoro
:rnfiBy pagioarruaHoro qt4 iHuoro ioHisyrovoro arnpoviHrcaaHHn,-eAorpilMaHur CrpaxyaaflbHl/KoM ocHoBHt4x Berep[HapHo-soorexHi...tHr/x npaBrr yrpilMaHHfl TBapilH, B:- He npoBeAeHHF a6o HecsoeqacHe npoBeAeHHn (npoQinar<laqHilx ra npormenisooruvHrx) saxogie,
:: --:lt4x BeTepilHapHilM nnaHoM roCnoAapCTBa, HeBilKoHaHHn perorvreugaqira Ta po3nopflAyeHb,.- .- 3 Berepruapuoi'MeArqlaHta;
-ipyueHHe CrpaxyaanuHklKoM ro4ieni, Bt4Kopr/craHHc HesxicHfix xoprrlia a6o vepeo HeAoKopM TBapilH;l6
-,'qHtzlX axria, xoH$icraqii, npilMycoBoro BLutyL{eHHr, pexeisuqii qr iHuoror :loHHr4Mta a6o iHurrvil, ynoBHoBaxeHilMt/ Ha qe, opraHaMr.
- naAexy, 3Hl4qeHHR (earaHasii), Bt4MyueHoro aa6oro a6o npr,tpisril TBapilH, aHacnigox gii' noair,r, r-re: :iaHilx is crpaxoeNu BfinaAKoM;
- naAexy a6o emnayueHoro sa6op B pe3yrbrari saxaoprcBaHHn (neeHr,rx xaopo6) rBapilH nporflroM-:-eHoro s fioroaopi crpaxyBaHHs crpoKy 3 noqarKy gii' floroaopy crpaxyBaHHfl, eKr4o iHr.ue xnn71 He
: =-iaqeuo,5.5.3. CrpaxoBl/K Mao npaBo eiguoanrr y arnnari crpaxoBoro ai4urxo4yaaHHfl, FKl-lo crpaxoanraBilnaAoK craBCF auacnigox:- HanaAy iHttloi'raaprHV, flKa raKox e snacnicrrc Crpaxyaanuur,txa (BrrogoHa6yeava);- rnilcrqHoi iHaasii;- nonoTie, nxqo cneqianicra BerepilHapHo'i cnyx6m 6yno arxnraraHo nieHiuJe ABox roqru ai4 noqaTKy
. -::o'r ginnunocri;
- xapqoBor0 oTpyeHHn;- aneprivHrx peaxrlira Ha BBeAeHHn nixapcurrx saco6ie a6o no6i..rHol', r-{eTarnaHoi 4ii'nirapcuxrx saco6ia;- aarquHaqii.5,5.4' He ni4nnrarcru crpaxoBoMy ei4u"rr<o4yaaHHp Bl4rpana CrpaxyaarbHfiKa, noB's3ari 3 qenreHHflM
- -"'.114 3axoAaMil s iriilyHisaqii' TBaphH, nxi npoao4nrbcn 3a BilMoroo cnyx67r BerepfiHapHoi uepr,,qnHr a6o e
: - -: I H0r0 nepeA6aveHrrrar,
5,5.5. YNaoearun ,Qoroaopy crpaxyBauun CropoHr/ Moxyrb 3MeHU.rr4Tr4 nepenir< BrffipqeHb is crpaxoarx:-'i Ta o6uexeHu crpaxyBaHHn, a6o nepep6avrla iHui BilKnpqeHHr io6rvrexesus cTpaxyBaHHff 3anexHo-=-,r8ixr npeAMera .Qoroaopy crpaxyBaHHR, EKU-IO BOHil He Cynepeqarb 3arouy.5'5'6. CrpaxyBaHHf, orpeuoi' rpynr TBapfiH a6o o*peroi rBapilHr/ He Aao npaBa CrpaxyaaruHr4Ky Ha:-rfl crpaxoaoro aiAult<oAyBaHHfl ga s6rtrr, uaueceHi iHuLir,t rpyni TBapfiH a6o oxpervrir,t reaprui, sxi rir<ox
=-. CrpaxyeanbHktKy, He nepe46aqeHilx,[oroaopour crpaxyBaHHfi .
6. CTPAXOBI TAPI4O14. CTPAXOB]4I4 NNATIX
6'1' Crpaxoai rapr'rQr'r o6'rficnoorucn CrpaxoBr4KoM aKTyapHo (n,tarerr,tarrvuo) Ha nigcraai ai4noei4Hoi- "''t/1 HacraHHfl crpaxoBl/x arna4xia. KoHxperHr,tN posrvrip crpaxoBoro rapr,t$y npil crpaxyBaHHl:-ocnoAapcbroi npogyxqii' silsHaqaerucn y floroeopi crpaxyaaHrn.6,2, Sagoai crpaxoai rcpu$n Haaegeri y fio4arxy 1 ra floAarxy 2 po tluxl1paaran.
!:': 9^.ryr-*t't nnarix cnnaqyerbcs 6esroriexoao (roriaxorc), o4roprroeo a6o qacrfiHaMil B crpor(r/,-:nifloroaoporu.
6'4 Onnara crpaxoBoro nnarexy (nepuoi a6o veproeoi LracrhH14 crpaxoBoro nnarexy) nicnn-3Ht4x B floroaopi crporie rfirHe 3a co6oto npilnhHeHHfl 4ii'fioroeopy, flKu]o qe nepe46aqeHo B ]joroaopi: i-iHfl.
6'5. fixulo cyMa crpaxoBoro nrarexy BHeceHa HenoeHicrrc B crpoKr/, sri acraHoeneHi fioroaoporv,; -r"( Hece crpaxoey ai4noei4anuHicru (so6oe'nsaHHn rqoAo Btnraru crpaxoBoro eipr.uxo4yaaHHn y pasi*d{- l--: cTpaxoBoro ernapry) nponopqiraHo vacrqi $axrrvHo cnnaL{eHoro crpaxoBoro nrarexy, eK,_lo Lleefl --:
'-eHe fioroeoporrl cTpaxyBaHHfl.
6'6' firqo crpaxoarta BrnaAoK craBcl Ao HacraHHF crpoKy BHeceHHfl qeproBilx crpaxoBr/x nrareNis, ro::paxoBoro aiguxogyaaHHF Moxe 6yl,r yrpr,trr,taHa cyMa HeAocnnaLreHrax CrpaxyBanbHilKoM crpaxoBr4x-' = a6o CrpaxyeanuHfiK cnnaqye aci veproai crpaxoai nnarexi 4o BnnrarvcrpaxoBoro ai4urr<ogyaauHni'7' crpaxosvta saruc;, sa fioroaopoM crpaxyBaHHn gie rinsrr,t Ha Lrac, ea nxuu BHeceHo crpaxoarlr" 3 p9si, rxqo CrpaxyBanbHhK He cnraqye-veproerr,t crpaxoarra nnarix, floroeip crpaxyBaHHR np1anrHflo
-': s 00 roAran 00 xBrnfiH AHF, B Rxrt,t uae 6yru aueceHrfi crparoerra nnariN, nxulo iHue ue nepeg6aveue::::f,l CTpaXyBaHHn."
7. CTPOK TA MtCqE AliAOrOBOpy cTpAxyBAHHfl
''1, Crpor gii floroaopy crpaxyBaHHn Ha yMoBax qrax [lpaarn Bil3Haqaorscn y floroeopi crpaxyaanun''2' floroaip crpaxyBaHHn Ha6rpae qNuHocri 3 MoMeHTy BHeceHHfl nep[Joro crpaxoBoro nnarexy, ffKr{o- -epep6aveuo
[oroaopoM crpaxyBaHHfl .
''3' flin fioroaopy crpaxyBaHHn saxiHvyerwn o 24 roAmHi 00 xsilnrH go6r, sasHa,]eHoi a loroaopi:,'rHfl flK 4eHU SariHVeHHs raoro gii, nrqo iHue se nepe46aveuo [oroeopoM crpaxyBaHHfl,17
7.4. florosip cTpaxyBaHHfl Bpoxalo cinrcurorocnoflAnnkkr,4y trr,nL.llo 3a3HaqeHilr4 B ,floroeooi "rnrrro,,,]'"tt::'iT:Kl/x
Kynbrypi sariH'iyeru ca o 24 ro4uni 00 xarnraH
"::,-#:""'^1'l::.'Xi,:3:ile;ffi v##H'i:?"-'X#;'J'JJJ,'-ls6opy Bpoxarc sacrpaxoaauoi.
-l::Tli:i?T.i.ffi illgl:lJ,'#ff '*il",,,p0i.,ilil#7#ffi ;;,T'J,,:?'ffi dffi ffi i:iffi-_: Henepe46aveno floroaoporr,t crpaxyBaHHfl ,
-- rrrrlrlrr,floroaip crpaxyBaHHr 4ie Ha repr,,ropii Yxpai'ur, nKrqo iHu:e He nepeg6aveuo floroeoporr,t
7'6' floroeip crpaxyBaHHn 4ie no aiAuotueuurc 4o nocieie (apoxaro) rinuxvt 3a yMoBr4 ix nepe6yaaHHfl Ha--
"-opii', easHa'reHir/ y [oroaopi .rprryr.ir,, eKrr{o isre Hru ue nepe46aveHo.7 '7 ' floroeip crpaxyBaHHs, Ha n,4.rrri *; ilBoAr4Tbce qacrKoBa Brfiflara cTpaxoBoro
' 'cAyBaHna' gincn,il 4o sariHveuHfl BcraHoB,teHoro B HboMy reprvriHy , ,.*r* pir*iqi ruix crpaxoBoro cyMoro:: --390HrulM crpaxoBr/M ei4urogyeaHH,M, FK,.{O isr.ue se ,*rrrro e 4oroaopicrpaxyBaHHfl.7'8' l-lia rvricqerra 4ii floioeopy .rprryrrHHn ei4Ho*ro cinucuxoffi;;il;oi npo4yxqii (*ynuryp)''rrbcn sacrpaxoBaHa nnoura - none (ci:.::l_4 ,40 ;r;;;raropianuHi oril;;;noBrAHo 4o Qixcoaai,ax':"lar 3a AonoMoroo AaHilx rno6anuHoiiitl:i,rrl?i.vnvilr*oeoi'cilcrer4il ,ri,6oai4noeisHo Ao qilHHr4x" =iria Ha Kopt4cryBaHHF 3eMI'leo, Ha sxit't sr4por4yerbc, cinucurorocno,apcbKa Kynbrypa: rapr-cxena nonio- : - :' ) rara6o reornsop^,,aqii' ai4noai4uo 4o flepNaJi,oro-,ur.rororo or4..rpy,, ,,1',*! iX:T'#T'tr[:'J'::#l [::.:;y,,,tilgy; BBaxaorbcn 3acrpaxoBa uur,tu rin*u na riux -:': FKa BKa3aHa v floroaopi crpaxveauxn nrr4o ,;.il;J;;ffi&1;'ffi?ifl11ly Jil'#Jf,lx-'j.#'fillffiffi'ff1'iJil;XffiT;.r.. '*-.p.arfl?o y.,ooxeHH, ie cipaxoerKoM, crpaxyBaHHn
7'10' floroaopoM crpaxyBaHHl.Yoxg neTl LauarucscrpaxyBaHHfl rBaprH ni4 vac ix nepeeeseHHfl, sK=:"ropii'vr<painr rax isa rraexi YrpaiHM-, Ha B[craBKil,3MaraHHe ror4o. I-rpr,, qboMy ai,noai4ansuicru::'Jji#x'#Jj,i,i, I#,.J,y;,,:T[JTffi::m:,;:lll#;il-*,Tbce Ha neeHi,a bia.,,,i r,s ,il;
8'1' fioroaip 4o6polnbHoro crpaxvaaHln clnbcbKorocnoAr?-.0.i npo4yxqii. yKnaAaorbcs y ABox:--'1Kax AepxaBHoro MoBolo (no ogHi,', Ann xoxuoi croporil loroBopy crpaxyBaHHR), nrqo iHue He:;;:J; ffi?'^il',f:L'ff1',:T,Tr"'#'l^.1,.:::I ii ii1.i,i 3aABL4 crpaxyeanuHrKa BCTaHoeneHoi- .,it#:iffi , J:, fi,,ffi *'#ffi
; ;. -v,;;;; ^,,
#J :,iil."#l'fli}:ii :XI [?,TJ:Htril18,2. y BilnaAKy BTparu'CrpaxyaanuHrlKoM opmriuanuuoro nptijMtpHr,txa .Qoroeopy crpaxyBaHHn raorr,,y
- i1 #*t[i:, [fl :,,'#i:, :','ff :i,'x*:*'i#,' i,, n o, * fr
- .ffi v, u,,, B B a xa eT bc,]
Q 2 o^^--8,3. 3agaa Ha crpaxyBaHH, ,rnort''runruo I bux'
::nbHrKa a6o rzoro vnoBHoBaxer^ no.r.H3rlliffi ,'ffi:::#%,o!l?::ffi:,]-i};,-ri.jf:!i:l'-il 3an,BHeHa npeAcraBHilKoM crpaxoarxa. vci ny,x,a r.!,r, ,, crpaxyBaHHs noe[HHi 6yru aanoeHeui
f'f,r &?,,,'l#,h, -t i Ji, ##ff-', *W n*.,'##iffi :;
; '#ffi il " :,,I,, n is n a c y e r scri I' f'lntr rr,,-^ -^, ,, .: n ^ -3,4, tlpra yr<na4eHHi ,ororopl, .;;il;;;;t,IrffT:Xt,'Iiffifi l[ffi ffi :?'#sH#,#lruff ;'*;:.#;ffi ,';ffi?,'J,li,L.,"'i-iHilili-'
';:?iffiJ[;v, AXI?pt:Yf raiuurx ntottipll 1 Y ]or,rv
u,,cni --aypwropcur^a eucHoaor);-rcnoAapcbKo,
nooor,lfrltepAxyrorb aapricru npeAMery goioaopy 4o6poeinuHoro crpaxyBaHHF
;ffffi-rfl?;ffiffJtlnoai4Hrx oprauie a6o cneqianicrie, ra inui 4oxyrraeHrr, Heo6xi4Hi 4nr
8. nopflfloK yKnMAHHf EoroBopy cTpAxyBAHH'
,:X[i:i,ffi fr'#il:i]t,#,$',.il:'i:Jff*" Heo6xisuru, Ann oqiHxra cTyneHF pt43,Ky,: c' uTpaxyBallbHl/K Hece aignoai4anuHicru sa 4ocroeipuicru i noBHory Aa,nx,fioAaHfix Arfl yrfiaAaHHs:o6poeinsHoro croaxyBaHus cinucur<orocnoAapcuxoi npo4yxqii.: 6' loroaip crpaxyBaHH, yxnaAaerbce y nflcbMoeira 6opnai. tr*, yKnaAeHHF floroeopy crpaxyBaHHfl': AqyBarficfl crpaxoBr,M CAi4oqraorr,, lnonicon,., cep,,rQixiron,,;, r40 e Qopvroro AoroBopy.l8
8'7 ' llpu yxna4alHi floroaopy crpaxyBaHHn CrpaxyealrbHr4K so6oe'seaHfira noai4orr71rarr crpaxoe,xysi4ovri AnF Hboro o6ctaailHfi, u-{o Maorb icrorue 3HaqeHHfl Anff Bil3Haqeuur inaoeipnocri uacraHHfl crpaxoBoroBrnaAKy i posrraipy Mox'll4Bl4x s6rarria eig taoro. HacraHHF (crpaxoeoro pr,tsrary), nruqo r1i o6craeilHr ue ei4orvritala6o He Moxyrb 6yla ergoui Crpaxoaraxy. lcrorurrr,til Bil3Halorb cn o6qaauH[, 3a3Haqe,i CrpaxoauKoM yfloroeopi cTpaxyBaHHn rara6oe sanai crpaxyeanuHilKa Ha crpaxyBaHHF.
8'8' l-lpN yxnapaHHi loroaopy crpaxyBaHHr crpaiyeanbHkrK ao6oe'qganrr,t o6oa'sgxoeo noei4oryurNcrpaxoarxa npo aci inu.ri girovi floroeopr,l crpaxyBaHHF rJ.loAo npeAMery !oroaopy crpaxyBaHHF.8'9' [lolaHHfl saABV Ha crpaxyBanHs He so6oe'Rsye xoAHy ie CiopiH y*"p"n^fioroaip po6poainsHoro
:TpaxyBaHHfl cinucuxorocno4apcuxoi npopyxqii'. crpaxoarx 3aniluao 3a co6oro npaBo ei4rvoarrrcn BiA. \naAaHNff fioroaopy go6poeinuHoro crpaxyBaHHq CinucuKorocnoAapcuxoi npopyrrlii.8'10' PieeHs crpaxoBoro noKp,4Trfl Moxe BcraHoBnrcBarilcb Ao noKa3H[Ka crpaxoaoi eaprocri (cyrvr,,:'1rpar Ha oArHl/q]o nnoqi) a6o cepegHsoi apoxarauocri cinucbKorocnoAapcuxoi rynurypv et; noKa3HrKa
: - p axo aoi aa procri cin ucuxorocno4apcuxoi r BapuHtA.8'1 1' floroeoporr,l 4o6poainuHoro crpaxyBaHHn cinucuxorocnogapcuroi' npo,yxqii' MoxyTb 6ytr,t-epeo6191i irui yrvroer,l crpaxyBaHHs, nri eiAnoaiaarors qru nprrrraM ra 3axoHy,8'12' 3a BilMoroP crpaxyaanuHrxa crpaxoB14K Mae npih,rrr^piue_HHn npo noprryraHHfl yMoB [oroeopy:TpaxyBaHHq (aHeceHun sMiH rala6o 4onoaHeHu), flKr{o a nepiog noio Rii eipoyaaerucs sruiHa cryneHfl pr/3r4Ky:50 o6cnry crpaxoaoi eiAnoei4anuttocri, npta yrvroei AoBeAeHHfl gorlinuHocri ra o6lpynroeaHocri AaHoro'l3ilryBaHHfl crpaxyaanuHLlKoM, a6o eigruoar,trra B Kopr/ryBaHHi, Rxqo BilMoTa crpaxyeanuurxa o-
=c6ipyHroaaHorc i He4oqinsHoro.8'13' oco6nusocri y*naAeHHn AoroBopy go6poainuHoro crpaxyBaHH, cinucuxorocnogapcbKr4x-'rflbryp Ha ocHosi ingexcy apoxar,tnocri/ norogr,t8.13'1. loroeip crpaxyBaHHfl y*aAaerbcfl, fiKr-ro iur"ue Hru He nepeg6aveHo:- o3t4Mt/x KyJrbryp - nicnn nofiBt4 cxo4ie BoceHil (Sasa xyqlnHn a6o poaerxr), ane He nisHiure 01 rpygun
" / yKnaAaHHn .Qoroaopy crpaxyBaHH n -ala6o eipHoareuHn aereraqii pocafiH ,rra.ri;- flpt4x 3epHoBt4x ra sepuo6o6oB[x, KyKypygsr, texHivHr,lx, KopMoBr/x Kyrbryp, xapronni ra iHurx - nicrn=:,r cxo4ie uaaecHi; HacaAxeHb _ nicns ixHuoro npfixfiBaHHfl,8'13'2' ,[orosip crpaxyBaHHfi Moxe 6yru yxnageauh na oKpeMy Kynbrypy a6o xinuxa Kynbryp 3.'oAyBaHHFM 3a KOXHy Kynbrypy.8' 13'3' l-lpr,, ar,,6ipxoaorray crpaxyBaHHi epoxaro oKpeMrx cinscurorocnoAapcbKr/x KynbrypI : ' /B?flbHt4K He Mae npaBa Ha oAepxaHHfl crpaxoBoro aigutxogyBaHHs 3a 36vttxn, u1o aaagaHi apoxarc iHurx-:
:':QrQQl-lQflapcbl(t4x KyI'lbryp, nxi ea loroeopoM crpaxyBaHHfl 3axficroM He sa6esnelieHi.8'13'4' l1icnr orprrraaHHn crpaxoBt4KoM n,,cuMoeoi 3aflBl' crpaxyeanuHilKa Ha crpaxyBaHHn Bpoxarc:'3rocflolapcbKl4x Kynbryp, cropoHil npoBoAFTb ornnA nocieie Kyrbryprl (rpynra xynuryp) icxra4aoru= -aun aKr ornflAy' B flKoMy Bl/3HaqaerbcF craH nocieia, po3BklTox pocnilH, AorprMaHHfl CrpaxyaanuH'rKoM-'-tqsrx BnMor u-loAo Bt4poll-lyBaHHfl emsHaqeHoj' Kynbrypt/ ra iuura aKTyanbHa in6oprraaqin.
. 111;l;j"*r:.li:::i:]:^9le:lo:r,lKa 3a yffiaAeHilrv lorosopoM crpaxyBaHHs Hacrynae nNue nicnn'--n aiAnoeiAHoro aKry ornflAy, flKr4o iHr-ue He nepe46aveHo Aororop#ffi:"-y##urvrrdu
rrlrure rrrL;rrt
3'14' oco6nr,'eocri yKnaAeHHt AoroBopy go6poeinuroro Mynbr[pr43]r*oBoro crpaxyBaHH,t : a 6o Bpoxalo cin ucurorocnorqapcblc4x Kynbryp
i 14.1. [o sarar Ha crpaxyBaHnr crpaxyrinorrno, Ha BfiMory crpaxoarra HaAarcTbcF::oai4xa ie flepNaeHoro xouirery crarvc,rlKu .Yxpaiuu npo apoxarzHicru aignoai4Hoi Kynbrypr/ 3a, :oris, soKpeMa aroipra, sriAHo Sopnrra 29 cr, aeir npo a6ip'ypoxao cinucuxorocnoAapcbKr4x xynsryp si- - nonie (pinrHor) 3eMerb a6o 4oaipxa npo epoxarlHicru, saiaepAxeHa HanexHilM qilHoM;
: 3Ta-CxeMa 3eMfl eKOpr4CTyBaHHF ;-='rHonoriqHa
Kapra B[por4yBaHHF CinUCUrOrOCnOgapcuxoi Kynbrypl4 (Haca4xeHun);:'-i. r4o xapaKTepr3yrorb.coproBy, nociaHy ra apoxaraHy nxbcri ,aciHHq;':- no ciaosuir-ri (cxerua ciaosrr,tiHr,t) Ha 3eMr.rflx AaHoro rocnoAapcrBa;" ilaxyHoK 3aranbHilx Bt4Tpar Ha oAilHrqo nocisHoi nnouli cinucurorocno4apcuxoi Kynbrypr/;-:rorvraqto npo crpaxoBierna4xr y MtaHynoMy,
:l:"^3:::''1,,^,::!u,l?rlr,- ' Bpoxao cirucuxorocnoAapcbKr4x Kynbryp, a6o nocisia
_:=31ti::l,jv|:Ll^,yo*. 6yrn yxnaseunn Ha o*p.ry ' ;y;;;ypy ''ro"o"*inr*1"
nvnorvr'l-:M 3a KoxHy Kyflbrypy
19
8.14.3. Ior:^l! crpaxyBaHHl Bpoxao cinucuxorocno
-iii:Xl#'fl :ffi::#'il:ffi;;ii:r.:v, *vno,vp +{i'trrr!'X,Ji.Jff'tllliii^,X;,"f;,,?t;
- ; ;:fli;i ;,X ;il,:;;, ;:: ffi #: 1' f H' JII:' ffi ;
^ii, ?X ?',fi
,,* U ;,,n*. _ ;n Xl
8'14'4' floroaip crpaxyBaHHs nociaia a6o epoxao cinucuxorocno,apcbKr4x Kynbryp yKnaAaerbce Ha.',T;'ig1r:Xifflffir:#?',?"'^l*li*v""' 3a 3roAoro cropiH, ,,. ,Jnlrirlno,u,ny cia6r, rxqo iuue
', .-,ui,;;ii4:i,:q,[1Hi:f,H:trlm'*;:r.[:iiffi;;vKnaAaerbcn Ao B.ryny ix e sruy (nprn,HeHHn8'14'6' Kyn.oypw'
'ri e'apo'4yili::, y 3aKprroMy rpyHri, nprrauarcrucfl Ha crpaxyBaHHc He nis'jiure' -tTKy erpo6urvoro_iyry (nociey, i^irir^), ,oqd irr. i,.l'up.go.r.re
floroeoporr,, crpaxyBaHHs.8.14.7' loroaip .rprryrirrr-l*n.4u..'.r, ,n,40
-ir* He nepeaoaveHo yMoBaMr floroaopy
-- : (yBaHHE:
- is crpaxyea'::,
"o:1Y1' t(ynbryp - nicns no,Br4 cxo4ia BoceH.r, ai4roeneuur aereraqii HaeecHi;
^iiiffi:Xfl# t
T,-X'r'# ilffi H ac aAXe H b - A o B XoAxe, H r ix v ;; ;i i i ii rr. r * e e re ra q i i) ;
-= oiTllti, p6-v vralaHHn nr.rrrilio}il*tff, MuH,.nnx por<ie - nip.s rrorona ix y ,rry, ,n, n.- 13 crpaxyBaHHn flpux 3epHoBt4x - nicng nofrBt.cxo4ie Haaec'i;- BncaAXeHr, l]::irrl uaca4xeHu) _ nicns irr;;;;;;;;BaHHn.8'14'8'
'pr,, yxna4a,Hifloroaoprr'-Jrpu^yrurHs
nociaie a6o apoxarc cinucuxororr r'3Hb 4o loroaopy npnxn'agaerbcfi-Kapra nonia a6o ,r.u.n.ro s o6oe,ssxo.ll?Auoton,x tryrbryp Ta* : -: / crpaxvBaHHr, qo np^aMaerbc' ,il;;#;#'.Ji:Tf'"t^:^39?13e1oarayr grnrAoM np.a*ryt
^'lto*vrtrrr, nep_e46aveu,a.r.r.J.i'f#ffin3a yqacro neo6xi4Hrax cneqianicrie iurpo,io,ilr,"r,8,15. Oco6nr,re'!fiMis.r- locrl yKnaAeHH',l AOroBOpy 4O6poainsnoro crpaxyBaHHR CinscuxorocnoAapcbra4x
cii, l,]j;1"1.:,ejI*rT:HHFy floroaopy crpaxyBaHHs, cinucsxorocnnn,n^Lu;- ='lBaHHn nraoiu ov, oo#r,;;J;{Illltjd::','-:'J"(ffi:;r#::fl,K#i,xiTy,#,;il
, :i[ S[::3HI #1-. i".''-n'd':i* Affi;#i1q111,u,, 7 ip*ixnaraHHi loroeopy:-'. p^3r*Ky rronpu,,i'rt, ffiff IrffJXrl
ttfl:"'"n. AoKyMeHTrl, axi uor,ny Heooxr4Hi 4nn oqiHx,t* -" ilpo craH 3AopoB'l TBaous i!.rrhnnn,o,,;ttyll
Berep[HapHoro nirapr aai civxau BerenL{Hrn!^i,,
: j{?,ffi 'fl ffi# tr
p a H, i, 6 o p v a -,, il{i' *;stTiJ,:: y, j % 3 [i,:ll[T ::fi x x,,ii';.':iiii"#'#Hll'X:?Jffi i'l'j#J,#il1f
,:;;:lm:non'p.!1ffi ,i*o
-:pio4 nicnR eecHsnoro o6nsor; i il ,r:f ,:-_:rry
g o6os,ssr<oBr4M orn,Aorr,, eynrxie ra:'' ra,BHocri e Hrx 6Axonocirrae,, , crail ,opMar.rbHoro po3Br4Trry;
: -:rl'1K so6ot'rsaH;-r;;.;;'C"r'r#rf*or?pot''o'o|-o crpaxyBaHHs cinscuroio.not"rp.r*r, TBapnH:: ueo6xigni gani npo raapnau (Ha ocHoei 6yxranrepcurc4x AotryMerrie) _ rxulo CrpaxyBanbHllr(
, ::o6a; onrc TBaprHJgra, i, , {*r,ir*vi rr.r:: :,*
,r,r) :'r_*o crpaxyeanbHilK 6irrrru oco6a;' :-: tHsoprraaqiro npo aigonry ,ory ,ro6'rnr*y ,*, ,on" ,prrrrly oo HacraHHfl cTpaxoBoro BilnaAKy;r1;lt1|:,:ff
f T:JT:,ZiyiffiA,I#{'xLr:,p,,,bn,sJl?t*oo*.HHFrBapilH- : TB ap il Hy (sa r ar_err.,r-,,,, p; ;;,,
?:i!:fr i#ffi.*,#H[h H#ilitiffi ,riifr1: ::-eprHapHy Kapry A?
:3:l_:?r: _'rr, .T3l11rri q#;-;il; rBapilH, a TaKox *oni, nu.ropry Ta-.,,,
ffi ##i:?::ffi H[:'flI,T'#*'io4r,*o,or-o Ho Mepy diprry,r,oH r4Ka Tou],, nrqo i,ue He-- ,! Ytur5ctvtn AoloBopy CTpaXyBaHHF, - r r v t Ye^I oor rDrlt4rli, Ioulo, 9Kt40 iHUg Hg: ;' I lpt'l crpaxyBaHHi enirHrx (nnerr,'iHnvtx) npoAyrfir,rBH nx TBapnH crpaxyeanuHil* so6os,s sauun- 'r*o..rH14kl ceprr6ixa-r', a60 iHr.rvtra lonyrur, ,1ri nirrreppiy, ,rpri.Tb 3acrpaxoearor.raapurr: 5 tlpr cTpaxyBaHHi cinucuxoro.looro.o*1:r?:pi, ,, .i[riv, auun npwnuaeTbcs sce noTonie,s
:, j l#r(li-H,1}y:::-!epe{6autto v1'o'rMLlnoroBopv.ipu*y.uruR), Rre Hanexrrb Ha npaai
: ; : r p a x v a ;;,#'i.,1# f##Ji#' x: y,|1fi'#'Jff
i : 3;i, ;
" " " "'' x n u H a n e ;
,
t :^:ll:-l?rHHn 64xonocirr,rera yxnal}ro*,
20
6) rinur<r,t nicnn nepeaiprra aerepr,rHapHo-caHirapHoro nacnopra naciKr,r, nrqo aiH e, a a pasi ai4cyrHocri -nicnn eerepilHapHo-caHirapHoro ornflAy nacixta aignoeigHuu KoMnereHrHr,rn,t QaxieqeM, u.{o uae Heo6xigHi
noBHoBaxeHHR, si cxnagaHHFM saceigvexoi HanexHilM qilHoM goaigr<r,t npo caHirapHo-enisoorilqFrLlLr craH nacixr.
8.15.7. EoAarxoao a6o orpervo aig floroaopy crpaxyBaHun 6gxonociuer,t uoxe 6yl,r yxnageur,rrl floroaipcrpaxyBaHHfl eynrxie rul a6o ocHoaHoi 6gxinuHraquroi' npogyxqi'i (aicr, ue4).
8.15.8. !o !oroeopy crpaxyBauHR nacirr, e qinonity a6o'ii cKnaAoBt4x, o6og'Rsroao AoAaerbcf;aiAnosigHilt/ aKT 3 Tor{Hr4M onrcoM KoxHoTo ByrilKa (AocrarHinlt Ann iAenl,l$ixaqii, a6o raKfiM r4o BilKnoqae
sauiHy eynr,t<a) i agpecorc ix uicqeouaxoAxeHHe,
9. NPABA TA O6OB'fl3K14 CTOPIH
9.1. CrpaxyBanbHlrK Mae npaBo:9.1.1. Ha oAepxaHHfl crpaxoBoro aiguxogyaaHHfl B posrvipi s6Nruy B Mexax crpaxoao'i cyuN 3
/paxyBaHHeM KoHKperHilx yuoa !oroaopy crpaxyBaHHF;
9,1.2. locrpoKoBo posipaarr,r loroaip crpaxyBaHHn B ogHocropoHHboMy nopFAKy aignoaigHo go 3axouy: o6oa'Rgxoa!4M nilcbMoBuv noeigorureHHnM Crpaxoarra He nigHiue, flK 3a TpfiAqnru 4Hia Ao Aaril pooipealHn
-loroaopy crpaxyBaHHF;
9.1.3. y pasi arpal,r crpaxoBoro caigoqraa (nonicy, ceplaQixary) y nepio4 gii fioroaopy crpaxyBaHHfl-ogarfi nilcbMoBy 3aFBy npo laoro arpary i ogepNala gy6nixar (e rr,rorveHry argavi gy6nirary ceigoqraa,rpaLreHe ceigoqreo BBaxaerbcn uepir,tcuru) ;
9.1.4. Buocrrr Crpaxoar,try nponosr,rqii qogo BHeceHHs sN4iH i gonoaHeHb Ao yMoB !oroaopy:-paxyBaHHfl;
9.1.5. I-lpr yxnagaHHi floroeopy crpaxyBaHHn npil3Haqaru BrrogoHa6yaava, nxrrt uoxe 3a3Haril s6ilrxiapesynurari HacraHHfl crpaxoBoro BilnapKy, Anq orprMaHHfl crpaxoBoro aigurxo4yBaHHfl, a raKox striHrcsart,l
rrro 4o HacraHHF crpaxoBoro BilnaAKy, nxqo iHue He nepeg6aveHo loroaopoM crpaxyBaHHfl;
9.1.6. l-1ogaril 3aflBy Ha nepeyKnaAeHHfl fioroaopy crpaxyBaHHn y pasi epir,rcueuHn unnlt saxo4ia, qo.','eHUrfiril cryniHu crpaxoBoro pil3NKy, a6o npra s6inuueHHi aaprocri/qiHr npeAMery crpaxyBaHHfl;
9.1.7. Ocrapxhrt/ B cyAoBoMy nopHAKy aigrvroay Crpaxoauxa y sgir,tcHeHHi crpaxoaoro aigu.txogyaaHHn
YN,toeaMil loroaopy crpaxyBaHHfl Moxyrb 6yl,t nepeg6a,reHi raKox iuui npaaa Crpaxyaanuuuxa, Rxi He
repeqarb 3aKoHoAaBCrey YxpaiHu i rl,rrvr [lpaaNnau.9.2. CrpaxyBafl bHHK go6os'Rsaxui :
9.2.1. Caoe,racHo BHocr4rr crpaxoai nnareNi srigno yuoa [oroeopy cTpaxyBaHHs;
9.2.2. llpw yxnagaHHi floroaopy crpaxyBaHHA HaAarn iH$oprvarliro Crpaxoauroai npo aci eigorvri r,rorvry
::raBilHt4, u.{o Maprb icrorHe 3HaqeHHF gnn oqiuxr crpaxoBoro pil3r4Ky, i Hagani in$oprr,ryearu noro npo 6ygu-. suiny crpaxoBoro pil3r4Ky;
9.2.3. l-1pr yrnageHHi loroaopy crpaxyBaHHn noaigorurrr Crpaxoarra npo iHrui-:ixyBaHHfl r4oAo r.lboro npeAMera !oroaopy crpaxyBaHHq;
!oroaopN
9.2.4. HapaaarN Crpaxoarxy (npe4craBHilKy Crpaxoerra) rrloNnreicrb npoBeAeHHfl orneAy npeAMery
.lxyBaHHF Ao yKnaAaHHn fioroaopy crpaxyBaHHn, y nepiog r,toro gii ra nicnR HacraHHfl crpaxoBoro BilnaAKy;
9.2.5. Bxilsarr saxopia u.{oAo 3ano6iraHHs ra 3MeHUeHHs a6taruie, 3aBAaHilx aHacnigox HacraHHR
::(080T0 BilnaAKy;
9.2.6. I-loei4oMt4Tt4 Crpaxoarra npo HacraHHF crpaxoBoro BilnaAKy B crpoK, nepeg6aveHltlt floroaoporvr
9.2.7. Ircsuoeo noaipoMt/Tt4 Crpaxoarxa npo cBoro peopraHisaqin (gnn nepeyKnaAauun floroaopy
','laaHun) a6o nixaigaqiro nx rcprguquoi' oco6tt (gnn gocrpoKoBoro nprnilHeHHF !oroeopy crpaxyaaHHn);
9.2.8. I-lpr uacrauuicrpaxoBoro BfinaAKy sgir)r*rr,lrr,r 3axoAr/, nepeg6aveHi a pos4ini 10 qr,lx flpaartn;9.2.9. YrpuMyBaril 3acrpaxoBaHe ualtHo y eipnoaigHocri po nporfinoxexHilx ra iHuur npaoun,
::leqyBaTil Bt4KOHaHHg Bt4MOl- OpraHiA HamflAy, AOTpr/MyBaTfiCb npaBiln arpOrexHirr, Bilpor4yBaHHF ra: :rHF BpOXarc, yTpilMaHHs CinUCUKOrOCnOAapCbKt4X TBapilH;
9.2.10. 36epirarr go npr,r6yrrn Crpaxoarra (npegcraeHrra Crpaxoenra) nouxogxeny i eqininy:.:(orocr-roflapcbKy npoAyrqirc a ToMy BilrnflAi, at<trth BoHa Mao nicns HacraHHF cTpaxoBoro B[naAKy;
9.2.11. Bxrlrn scix rvroxrNarx saxo4ie ra BilKoHar[ aci Heo6xigHi SopuanuHocri pnn ga6esne,]eHuR
,aqi'i CrpaxoBt4KoM npaBa perpecy po oco6r, er6uor'a HacraHHi crpaxoBoro BilnaAKy, a rouy vmcni
-arr Crpaxoaltr<y aci HassHi B Hboro AoKyMeHTfi, r4o nigraepgxyrorb arHy oco6N y saegaHui s6r,trxy.
2t
qrHHi
vMoaaNar loroaopy crpaxyBaHHr Jvroxyrb 6yl,r nepe46a.reni iHrri o6oa'ssxra crpaxyBarbHr4Ka, qxi He-;peqaTb 3aK0HoAaBorey yrpaiur,r i qr,1n/l npaer/lnau.
l-1 y pasi yKnaAeHHfl AoroBopy 4o6poeinuuoro crpaxyBaHHR cinucsxorocnoAapcbKr4x Kynbryp
_ -laxyBanbHilK
AoAarKoBo go6oe'ceaHIr/.
9'3'1' I-logarr crpaxoerary neo6xigHy iHQoprr,raqiro npo cepeAHro apoNar,1uicru y rocnoAapcrei a6o-:t'roHi (o6nacri), qiuy sa 1 qeHruep npogyKqiiTa 3acrpaxoBaHy nnou-ly, sri sasHaqeHi y,loroeopi crpaxyeaHHn-:penix BrlKoHaHilx po6ir, sxi nepep6aveHi rexnonorierc ,rpo,4yrr,rro Kynbryp, u-lo nprr,,1uanrucr Ha:-paxyBaHHfl;
9'3'2' florpuMyBarnc+ KoMnneKcy arporexuivxr4x BkrMor- qoAo Br4pou.lyBaHHfl, AomFAy ga nociea[4r,:5ltpauHr ra s6epiraHufl Bpoxap, a raKox npor[noxexHilx npaB[n;9'3'3' He nisHiue, Hix sa n'srHaAl{srb pnie 4o noqarKy s6rpaxur ypoxao, noeigorurrr npo qe--paxoarxa i Ha4arr taouy trloxrreicru iHcnexqii nocieia'a.arpr*or.ror'cinucuxoiocnoAapcbKor'xynurypr,,
flKr_{o-: nepeg6aveHo yMoBaMra [oroeopy crpaxyBaHHF;vN4oeaMil .[oroaopy go6poeinuHoro crpaxyBaHHg cirucuxorocnoAapcbKr/x rryrbryp Moxyrb oyn-:peA6a'leHi TaKox iHlli gogarrosi o6os'qgxra crpaxyaarbH[Ka, sri He cynepeqarb 3aKoHoAaBcrey yxpai.Hr ra
-,'r',1 npaarnanil,
- € 4' y paoi yK'qaAexHe AoroBopy 4o6poainuHoro crpaxyBaHHq cirucsxorocnoAapcbKr4x rBapilH
_ -DaxyBarbHt4K
AoAarKoBo go6oe,sgaHrt4:
9'4'1' Yrpruyearn rBapv*t' y oi4noai4Hocri 3 nporfinoxexHilMr4 npaBrraMil, Aorpr/MyBarilcff-lBerepilHapHilx npaBiln u-{oAo yrpl4MaHHF Ta ro4iani TBaphH, Bt4KoHyBarn BilMoril ai4noei4Hrx KoMnereHTHr/x-:-aHia HarnFAy B noBHoMy o6cnsi;9'4'2' Bx,earr ycix MoxnilB,4x saxopie qo4o cnaciHHn i HagauHfl AonoMor[ 3acrpaxoBaHilM TBaprHaM,
'-o6iraHHg ra 3MeHueHHq s6[rxie, 3aBAaHilx eHacni4ox HacraHHq crpaxoBoro BilnaAKy" Bxraarc.]il raxi--'l'- crpaxyealuHrx noBilHeH Aorpt4MyBarilcb per<onaeHgaqira crpaxoarxa, sKu.lo BoHr/ HagaHi. -:axyBarbHr/try;
9'4'3' florp,MyBarficb ocHoBHt/x Berep[HapHo-soorexHiqHilx npaBilr yrpfiMaHHE TBapilH, s rouy vrcnr: :3eAeHHF npoSilaxrrvHrx ra nporreniooort4LrHl4x oaxogie, nepea6aveHr, ,uraprHapHilM ,raHoM' -lAapcrBa' Ta He AonycKar[ Aii Saxropie, BilHt4KHeHH A flKt4x nloxe. niqBn].lyaarr cryniHb crpaxoBoro pLr314Ky;9'4'4' Haaaearr crpaxoerary (npegcraeHilxoei crpaxoarra) a6o Heaan.*rory eKcnepry ft,1oxn[eicru-:fY
YMos yrprMaHHfl TBapilH, ix rogieni Ta B[Kopt4craHHfl Ao yKnaAaHHfi fioroaopy crpaxyBaHHr, a nepiop-: 4ii ra ryu nicnn sarr6eni rBapilH BHacrAoK HacraHHfl arpi*ororo BilnaAKy;
9'4'5' Herar,,Ho (npornroM ABox po6ov,x gHie) n,curr,,oao_noaigorurrrr crpaxoBrKa, flKr-'lo Br4KpaAeHa:.-30X0B0H0 rBap[Ha suata4eua inoaepHyra CrpaxyaalsHuxy, a6o nxr4o crpaxyrrnorroy crano ei4oruo npo_:3HaxoAxeHHff B14KpaAeHoi' reapuHr;9'4'6' fixr4o Bt4KpaAeHa 3acrpaxoBaHa rBapilHa sHar,,4eHa i noaepuyra crpaxyearuHr4rry, npor,roM:-F noBepHyrr crpaxoeilKy orprMaHe crpaxoBe eiguxoAyaaHHfl 3a BrKpaAeHy rBaphHy,YMoeaNaI AoroBopy 4o6poainuHoio crpaxyBaHHR cinscuxorocnoAapcbKr4x rBapilH Moxyrb 6yru'-=:6aqeHi TaKox iriui 4ogarroei o6oe'ssxr,t crpaxyaanorr*r, nxi ne cynepeqarb aunoro4ur.rey yxpai.ur ra. -lpaerlana.
9.5. CrpaxoBt4K Mae npaBo:9'5'1' l-lpra yxna4auHi floroaopy crpaxyBaHHA Br1narctA y crpaxyaanbHilKa 6y4u-nxy insoprvraqiro ra:
"reHTr crocoBHo cinucuxorocnogapcuxoi npoAyxqii, nr<a nrgnrrie arpr*yrurro;
9'5'2' l-licnn noAaHHE 3aeBV Ha crpaxyBaHHfl Ta e nepioA gii fioroBopy crpaxyBauHn nepeeiprrn'--"'ocri CrpaxyealsuNxa uloAo AocroeipHocri Bfi3HaqeHHfl eaprocri cinucuxorocno4apcuxoi npo4yxqii,': -:aipHicru Ha4aHoi crpaxyaanuHrKoM iHsoprvraqii npo np.arcT crpaxyBaHHg, B ToMy qrcni no nepBhHHr4x- :lTepCbKt4X A0KyMeHTaX;9'5'3' BigMoBtATtA y emrari crpaxoBoro eigurogyaaHHfl y B[naAKax, nepeA6a.]eHhx 3aKoHoAaBcrBoM: : rt/l, \tAMt/1[lpaernanau ra loroaopoM cTpaxyBaHHF;9'5'4' Bi4crpovurr nprt,,unrrr pirleunn npo Brnflary crpaxoBoro aipurxo4yaaHrir y BilnaAKax,'- -:5a,reHilx 3aKoHoAaBCreour vxpai'n n, tlvtMu IpaarnaruN ra goioeopoM crpaxyBaHHe;9'5'5' Po6^rv 3anvrn npo ei4oruocri, noa's3ani , .ip'rroBr/M B[naAKoM, B KoMneresrri opTaur, Rrir' -::riorb iHQoprvraqieo npo o6craetanil crpaxoBoro BrnaAKy, a TaKox carr,1ocrirago 3,scoByBarlr nprvuur i','.3UHV1 CTpaxoBoro B[naAKy;
22
9'5'6' y pa3i goinuueHns cryneHn crpaxoBoro pLA3ttKy BfiMararfi ail crpaxyaansHrxa cnnarLl- r--"1::f:l:iT? .:]p1):toto nnarexv. B qboMy BilnaAKy Crpaxoaux Ha anacHm/ po3cy4 a6o sa 3agBoro
::f:f**T:.:?.11yii 1:lyJ_.ii pnsuxy ,o*.lrir.,,lr-*p.p;yffi";;;;;;;f#;ff ffiT;n0BilHeH noai4onlturu e nilcsMoeira Soprvi CrpaxyeanuHrra;
9'5'7' locrpoKoBo npnntA+.Artl giro floroeopy crpaxyBauHn aignoei4Ho go 3axony, e o6os,RsxoeilN4nilcbMoBt/M noai4onaneuHnrra CrpaxyBarbHfiKa, ue nisHiuJe, nx ia rpr,lgqnrs 4Hia Ao AalA npilnilHeHHfl floroaopycTpaxyBaHHfl;
9.5.8. l-lpoao4r,tru poscriAyBaHHfl npuvr,lH i
9.5.9. [lpoaogNrN oqiHxy noHeceHoroeigutxo4yaauHr;
9,5.12. [1pra orpr,,vrauHi eigouocrera npo sraiHfi o6craBrH, eKicrpaxoBoro pil3r4Ky, s[,liHtosaril yMoBr4 loroaopy crpaxyBaHHfl U]nsxoMCrpaxyaanuHhKoM, a y paei aiguoau Crpaxyaanu,rxa eig yKnaAeHHfl-loroaopy crpaxyBaHHF;
* .'ery- loroeopy crpaxyBaHHfl Ta 3MeHUeHHfl s6r,trxie;10.1.2. BNxonarr aci Heo6xi4Hi saxo4lr 4nr sano6irauHn
i o6craehH crpaxoBoro BrnaAKy;CrpaxyaansHIKoM s6l,trxy i poepaxyHoK cyM14 crpaxoBoro
MarcTb tcrorHe 3HaqeHHF 4nn oqiHxryKnaAeHHF AoAarKoBoro 4oroeopy sigogarxoaoi ytoALA - npz,nwnwn pin
iHu.ri npaaa Crpaxoamxa, sxi He
l*.i?; 3::?:::!^:il .g^rliy_::n?HilKa ruta6o Brarono,a6yaava noBepHeHHF BhnnaqeHoro r,,on,,yrtvt I
:l?:]::::::lly.'l[i:y]'[1lll_,-nxr4o Br4sBnsrucR raxioocrarrrr, nxi aipnoeipHo Ao lrr/x npaaun rcta6o3aK0HoAaBcraa Yxpai'Hr AaPTb Crpaxoar,txy npaBo ua ai4rr,roey y arnnari crpaxoBoro aiguxo4yaaHun;isrrvf_lr eu. il r^,
9'5'11' 3ueHu:rtr cyMy crpaxoaoro ai4uLxo4yrrrrr'r, cyn,ty aigu.rxogyuurrr, cnflaqeHoro, a 6y4u-nxiNQopui rperiur oco6anlru;
,n"3;11.^I ^?::l r1nTI, crpaxoBoro ai4rL:xo4yeaHHn BrcyHyl4 B Mexax cyMr/,
v'| v '| vqnvDur v t u-luJnuA{ytsdHHH tsncyHyIlA B Mgxax cyMt/, gilnnaqeHoirTpaxvBflb#-rj:"?ly:j|,,:i
9_r!-lvBarbH14K Mae Ao o.o6r, ai4noei4anuHoi ea raagaHv uiKoAy,
,il"li;3.fy:i,2,:,.1,^:,ililli-:p131010 aiauxoAt';il;;il;;;;;;,";iild, #,; crpaxyBaHH,,= <qo crpaxyBarbHr/K He BhKoHao fi Korocb is nepeniveur- ;,rr; ;6.r;r;i,
vN4oeaMr floroeopy crpaxyBaHHs Moxyrb 6y,,. nepe46aqeni TaKox., fiepeeaTb 3aKoHoAaBCTBy Ta qrau [ipaarnau.
9,6. Crpaxoer,rx go6os'RsaHufi :
9'6'1' osHataoMfiTt4 crpaxyaanuHrKa 3 yMoBaMfi crpaxyBaHHn ra [lpaaunaML4 crpaxyBaHHfl;9'6'2' I-lpornroM ABox po6ovrx guia, nr< riruxr arrra ,i4oro npo HacraHHF crpaxoBoro B[naAKy , B\<tArA
' 'xo4ie qoAo o$oplneHun acix xeo6xiguux 4oryrr,teHria' gnn cBooqacHoro s4iracueriHn crpaxoBoro: _ J.t KOAyBaHHT crpaxyaarbH r/Ky a6o Br,lro4oHa6yeavy;9'6'3' I-lpN HacraHui crpaxoBoro BilnaAKy apinautu Bilnnary crpaxoBoro aigu.rxogyeaHHn y
=:ep6aveHrra floroaopoM crpoK. Crpaxoerx Hece'uaraHoay ei4noai4rnoriarr'r, ,rarorqacHe e4ir,,,cueHHn-laxoBoro eigurogyeaHHr urFxoM cnraril Crpaxyaansnrary Heycroraxr (urpa$y, neHi), polrip ,*oi: iraqaoTbcs yMoBaMr loroaopy cTpaxyBaHHn a6o 3axouona;9'6'4' BiRulKoAyBar[ Bt/fiparv, noHeceHi crpaxyaansHilKoM npr HacraHui crpaxoaoro BhnaAKy Lr-{ogo,-r6irauus a6o srueHUeHHs g6rrKis, FKu.lo L{e nepe46aveuo yMoBaMil.[oroaopy arpuryrurrr;9'6'5' 3a sanaorc crpaxyBarbHt/Ka y pasi s4irlcneHrin ,r, ,urogir, qo'.r.*rrn, .rpr*., un p,nsrrtx, a6o' -'ueHHfl eaprocri uataHa (epoxaro) nepeyxnacril s Ht4M loroaip crpaxyBaHHfl ungxoM yKnaAeHHs go4arxoaoi.-/ Ao [oroeopy crpaxyBaHHff;9.6.6. He posronouyBarr ei^oruocrer,n npo crpaxyBaflbHilKa ra raoro Mar,rHoee craHoBnu{e, xpirvr- iqxia, BcraHoBfleHux 3axoHou.YruoeaNail floroaopy crpaxyBaHHff Moxyrb 6yru nepeg6a,{eHi TaKox ir-r11i o6oe,ssrr CrpaxoefiKa, ffKi He-:oeqaTb
3ar<oHy Ta qr4M [lpaar,1narr,l.
9'7' 3a HeBrKoHaHHs a6o HeHarexHe B[KoHaHHF npniuaruxgo6os'sgaHu aa ,QoroeopoM crpaxyBaHHfl'":3Hr/ Hecyrb aipnoeiganuHicru sri4uo 3 3aKOHOAaBCTBOM yXpai'Hr,1.
10. flIi CTPAXYBAIIbHI4KA NPI HACTAHHI CTPAXOBOTO BTNMKY
19 1 y pasi HacraHHF crpaxoBoro BrnaAKy crpaxyaaruurx go6os,s ,r,nun..
l9j:l^?1111 lcix po3yMHr/x ra nocrnt,rrx saxoqia e o6craailHax, u.lo cKnanficfl, Anfl pflTyBaHHfl
.oarra :6rrox;
23
r ycyHeHHF npilLl4H, nri uoxyru cnpnqvHl1Trl
.-1
10'1'3" llogarn crpaxoerry nilcbMoBe noaigouneHHe, 3a BcraHoBneHorc crpaxoer,,xon, soprvorc, rpo-;lTaHHF i o6craailH,, crpaxoBoro BilnaAKy, xapa*Tep nouKoAxeHHfl npeAMery !oroaopy crpaxyBaHHF:- npo aarroenb qrl nouKoAxeHHfl o3t4Mt4x i 6araropivHr4x Kynbryp, u.lo cranrcl BoceHr i a nepiogj'lMyBaHHF - He nisHiue rpuox 4i6 nicns noqarxy MacoBoro nociay flpr/x Kyrbryp y rocnogapcrai;- npr gii ctuxinnux prsrxia, u{o Maorb rpfiBary giro (nocyxa'(sacyxa),'eroprrrl xeopo6r poc1r4H, roulo),re niouiue Hix sa n'nrHagqrru guia go noqarrry iorprrrr'rpo*ro *ynorypil B rocnogapcrei;- npo 3arfi6enu (naAix, 3Hl4llleHHF, eetaHasip, 'Br/MyueH[
n- ea6ih a6o npr,,pisxy) a6o orpilMaHHfiTpaBMarilLlHt4x ytuKoAxeHb 3acrpaxoBaHuMt/ cinucuxorocnoAapcbKr/M vt rBapvtHaMn euacni4ox HacraHHflcTpaxoBoro BrnaAKy (s exasiexorc Ha qac, naicrle, xapaKrep naHeceHoi uKoAr ra i,piin^srnni'i posrvrip, npwuuuio6craarHr BilHt/KHeHHe noAii i ruoxn[ei 3axoAr4, Hanpaeneni ua ruuiuisaqiro a6r,lrxia), He ntsuiu:e rpsox 4i6 nicnnHacraHHF crpaxoBoro BilnaAKy, rxqo inrLrri crpoK He 6yge nepe46aqeHo Aoioropo, crpaxyBaHHfl;- Ha$artt crpaxoer,lxy eclo Heo6xi4ny iuQoprr,raqirc 'ra
AoKyMeHTil, sasHa,reHi y r.14x [ipaarnax, gnnBCTaHoBreHur Saxry HacraHHg CTpaxoBoro BilnaAKy ra B13HaqeHHn posnripy s6r,lrxy;- np,TflroM 24 rog,,tt nicnc HacraHHF crpaxoBoro BilnaAKy 3aFBh,, npo qe B KoMnereHrHi opraHr:cpraHfi noxexHoi' oxopoHt/, ri4porvrereocnyx6i, cnyx6i saxltcry pocnilH, BerephHapnir,,, cryx6i, nippos,inarv
i:i#X'r:il .Tr#X.J#,aiHr s ,u4.rrr., *
^ , ivu,,1i,r ;;d, nxqo inur,,,ri
'.rpon He 6yae n.p.soiluro
;#3ffi';i,H:l*?::'"1|1'^T:1..'^'-T1'l; tg s6rrox e Hacni4xona nporilnpaBH wx sii,trperix: 3 e p H vr 4 c:
;:fl' T#i ::::ir:::j':: l'' .",{# I;ffi ;,1 #; ffi '#J, ff :Iffi;X l; j'fi :lilx
o c i 6
: jcrpaxoBaHor0
T:yil:nlr:,^i.:i:l?]ll*lt poscni4yeaHHn npilqilH ipoorvripy s6urxy;#;;' ;i;;r'iaXnrroi sa sano4inHHn:lllo T2l{2 A
' Trrnv n6h6h^i,, ,,^ -^^^^ ^-.-sKu.{o TaKa 0, a raKox nepeAaril qe npaBo Crpaxoerxy.
.,ou.nol|'?;Jrffi::iflY:HeHHq 4o6poainuHoro crpaxvBaHus cinucuKorocnoAapcbKr4x Kynbryp crpaxyaanbHLrK
13,? :r,ri:ffiff :1,,-:l[6.r:,:,9]l:).:::a_ (npescraaH,rxa crpaxoaraxa) a HesuiHexonay craai
,:,'jlffi'x',x:1,::il-:T:i:r"ff"'j:::::T.'J, ,ly:1,.{,lr: ;;";';;;;'#'d ##;ll",ili;;; p ;' .;, ;;;;;#",*;#;,i" Tffi fi ll- ::ilouneuHfl noo HAcrar.rHa .rnrv^Dn r^ ^; - ^ ;;;u;;;il;, ; J, J#ii ;;'ffi;:CbKol-0Cl-loAapCbKt/X KVflbTVo eRoro nnan r.r)outtu^ ^A^ _^_.. _.._. :i:5ff';[,:;:Jrff;
--3axyBanbHilKa. gKlilo iHrrrc up nonan60,rarrn n^.^^^- 3axyBanbHil*l:111, irle He nepeg6aqeHo loroeoporr,r .rprryrurr, ;10.2.2. 3a6esne..rhrfi npeACTaBHraxy Crpaxoeilxa Mo)fl ilsicru:
- 0l-rlFHyrl4 nouKoAxeHi cinucuxorocnoAapcuxir<yrbrypr4 ra rraicqe HacraHHe crpaxoBoro BfinaAKy;- 6pa.a yqacrb y 3axoAax u]oAo 3MeHIxeHnn s6,rxy iu priyrr-ri" 3acrpaxoBaHrx Kynbryp;- poscnigyaarr i ecraHosrarr saxr, npvvtuHvtio6criefiHrui.rrr* crpaxoBoro Bfina,Ky;- Bil3Haqrrr poeuip s6utxy.,
;:i::.:iT.:n:]ry?awh awnapo* tl, cKraAaerbcn Ha BnnaAoK saril6eni a6o ua KoxeH BilnaAoK
lr0txKogxeHHR
;l'J,x?:':: fl::::':fl'I::'"iltil'l; li,li9i,,;;;#;ffi;?,i;ffi iilffi,.id"J.',1i::ffiiJ;:l::'#:,',;,J,i::::":l?il?:::Hara (,,orb vno','',*.il ;ffiHffi;i'lT;ffi;] 'lfii'l:T[:H" -ianicria eiAnoaiAHoro eaxy (excneprie);
10.3, y pasi s4irlcueHHn 4o6poainunoro""- - :rKoBO SO6oe'ggaunta:
10'3'1' 3a6esne'{,,rr-s6epexeHHfl Tytu rBaprH, qo 3arilHynr exacnigox HacraHHs no4ii, qo rraoNe 6y,,,; ', ilil#li?l';X1Xl1'lJJ::J:::'j1ji [f*l:':lla grolxoara*,) ld vno,,ou,*.Ho,o Hr/M eK.nepra
crpaxyBaHHs cinucuxorocnoAapcbKt4x rBapilH CrpaxyaanuHrr<
-""1aurnapi, eKoro aour Ha6vnN nicns no4ii, nxr4o iHue ue r6fi;;;;;;;;;rffii;rffi;;'rHvrM eK.nepra
10'3'2' lloro4raur ruicqe ra qac, npil norpe6i Hararn crpaxoa,xy (npe4craeur,,xy crpaxoar,,,xa) a6o
;;fl?il:,llJ#Jf*tt'rv ruoxrraicrb ornnAv aaru6nnxrBapilH rcta6'o,i,ifqr.iprroBor-o BilnapKy, FKrlo
crpaxyBaHHF MOXyrb 6yla nepe46a,reHi raKox iHuri Aii crpaxyeanu HuKa npl,He cynepeqaru 3aroHy"
10.4, Yrvroeatlrr,r floroaopy-r-tr-ti crpaxoBoro BrnaAKy, U_lo
24
11, NEPENIK IOKYMEHTIB, IIO NIATBEPAXYIOTb HACTAHHfl CTPAXOBOTO BhNMKYTA PO3MIP 36HTKIB
11.1. lnn nprltHrrrn piueHHn npo Brnnary vr aigrraoBy y Bilnnari crpaxoaoro.: nbHoMy crpaxyBaHHi cinucuxorocnoAapcbKLlx Kynbryp Ha ocHosi iHpexcy, . Bafl bH r/ K ( BurogoHa6yaav) so6oa' ntantit HaAaril Crpaxoarxy:
- [lrcuuoay 3aFBy npo Bilnrary crpaxoBoro ai4ruxopyaaHHfl BcraHoBnenoi CrpaxoBklKoM Soprvrr,l;- !oroaip crpaxyBaHHn (opr,rrinan a6o ronirc arigHo yuoe loroeopy crpaxyBauun) a6o r,roro 4y6nixar;- Axr ornngy nouKoAxenrtx (anltqeHilx Lrr4 erpaveHrtx) nociaia/epoxarc, nignrcaxr,tri CrpaxoailxoNa i
,3anbHIKoM, flKt4o raxrra arr cKnaAaBcfl 3a yMoBaMil fioroeopy crpaxyBaHHF;- loaigxu (axrta, ancuoaxra roqo) 3 KoMnereHrHrx opraHia (noxeNHoi'cnyN6n, oprauia aHyrpiu:Hix cnpaB,
YxpaiHr roqo) npo Qar<r,:,' saxrcry pocnrH, nipposgilia fiepxaauoi cnyx6r,l 3 HaA3BLrqaimnx cwya4in-,r ra o6craBilHn HacraHHfl crpaxoBoro BilnaAKy ra posrvrip s6ltrxy;
- Syxranrepcut<igoxyueHrr CrpaxyaarbHilKa, r.qo ni4reep4xylorb posrvip s6rtxy Ha BilMory Crpaxoarxa;- Konin N,tat,tHoaoi' npereusi'i Ao oco6r, srHHoi a sano4iruHi s6firKie ra AoKyMeHrLl, tlo ni4raep4xyroru
:3reHHF npereusii aApecaTy Ha BilMory crpaxoerxa;I 11.2. lna orprMaHHff crpaxoBoro ei4uxogyaaHHff npil 4o6poeinuHoMy Mynbrfipr43r4KoBoMy crpaxyaaHHi
:.:-3r-ocl-loAapcbKt4x Kyrbryp ra 6araropiqHilx HacaAxeus CrpaxyBanbHrK (Br,tro4oHa6yaav) so6oa's3altu- .-,' CrpaxoBr/Ky HacrynHi goxyrraeHrr:: - llrcuvoey 3aFBy BcraHoeneHoi' Qoprr,rr,t npo HacraHHfl crpaxoBoro BrnaAKy i artnnary crpaxoBoro
. :qyBaHHfl;
- loroaip crpaxyBaHHn (opr,rriHan a6o ronip aipnoei4Ho Ao yMoB [oroaopy crpaxyaaHnn);- 0oro-, aipeoruarepiann, onrcr, ecKi3t4, nraHil i/a6o cxervrra, Ha flKilx sa$ixcoaaurr,l soeHiuHifi BIrnffA
* -:rl4x L{l/ nouKoAxeHnx cinscurotocnoAapcbKr4x Kynbryp/ Haca4xeuu (ix sannuxia) nicnn HacraHHfl- :'lB0l0 BrnaAKy, flKlLlo HaAaHHfl TaKfix goxyweHrie npnMo nepe46aveHo ,[oroeopoM cTpaxyBaHHF;
- loeiAxr (axrr, arcHoerra roqo) 3 KoMnereHrHmx opraHie (noxeNHoi'cnyx6r, opraHia aHyrpiunix cnpaB,- ':,t :axrcry pocnilH, nigposginia fiepxaaHoi cnyx6ut Yrpaiulr 3 HaA3Br4qailnux cmyaqir,r ror4o) npo Qaxr,: -,'1t4 ra o6craemHil HacraHHe crpaxoBoro BilnaAKy ra posrraip s6r,trxy;- loryrraeHrr, u1o ni4reepAxytorb npaBo eono4iHHn npeAMeroM AoroBopy crpaxyBaHHr (pepxaenr,1r,4 axr
: -:aBo enacHocri Ha 3eMnrc, goroaip opeHAil aervrni ror4o);- AoKyMeHT , AKtAtt ni4raep4xye aigxprrrn xprruiHanuHoro npoBaAXeHHr (novarox AocyAoBoto
- - qyaauuR), a L{boMy pasi noAaerbcg xonic raner,t/noaigoMreHHfl npo Br.lilHeHHE xprarvriHinuuoro
:::llOpyueHHF 3 eiAruirxoro npo Ii nprtrtunrrn aignoaipur,tru opraHoM AocyAoBoro poscnigyaauHn rala6o
'-: -y-noaigoMreHHfl npo nprt,tunrrn raxoi 3asBil, noai4ouneuuR, BilAaHoro opraHoM AocyAogoro.--AyBaHHfl), - Hapaerucn y pasi, Konrt B poscnigyeaHHi o6craafiH i npravr,tH HacraHHfl crpaxoBoro BilnaAKy
. .:: nsaHi 6paru yqacrb npaBooxopoHHi opraHm;- Arr ornngy nouKoAxeHux (sHuqeHrx qil BTpaqeHrx) cinucuxorocnoAapcbKt4x Kynbryp vr 6araropivHrx
::-xeHb, nipnncanuil Crpaxoamxorra iCrpaxyaarbHr4KoM, nxqo raxrr,r aKT cffiaAaBcn 3a yMoBaur loroaopy-:XyBaHHF;
- Syxranrepcsxigoxyrueurlt CrpaxyearbHilKa, qo nigraep4xylorb posrvrip s6r,trxy Ha BilMory Crpaxoerra;- HanexuNu r{r4HoM oQoprvrneni BtlnncKtl3 AoKyMeHTia 6yxranrepcbKoro o6niry crocoBHo noHeceHilx
::'-t4LlHl4x 3arpar B Mexax arporexHonoriqHilx HopM y AaHoMy perioHi Ha nocie (ar,tcagxyeaHHr) Ta:llllyBaHHs cinscuxorocnoAapcuxoi Kynbrypr4 no AaHoMy npeAMery !oroaopy crpaxyBaHHe 3 iH$oprvaqiero,
' : lao 3Mory nepeBipnrr 4ocroaipnicru no4auoi iHsopuaqii (no crpaxyaaHHp Br4Tpar Ha nocia i arapoqyaaHun- : rbKOt-oct-toAapcur<oi xynurypra).
11.3' Inn orpnMaHHfl crpaxoBoro ei4uro4yaaurn npfi po6poainunonry crpaxyaaHHi-:lbKO[-Ocl'loAapcbKl4x rBapIH Crpaxyaanuur,tr (Braro4oHa6yeav) so6oe'ReaHfiit rcgaru Crpaxoorxy"
- llrcuuoey 3aflBy BcraHoeneHoi' Soprr,tra npo HacraHHF crpaxoBoro BilnaAKy i erannary crpaxoBoro:_.rKoAyBaHHff;
- floroaip crpaxyBaHHn (opr,rriHan a6o xonip aignoaigHo Ao yMoB [oroaopy crpaxyaaHHn);-,.[oxynrenv, qo nigreepAxyrorb 3aKoHHe npaBo aonogiHHn rBapilHolo;- fioeigxy aignoai4Hoi KoMnereHrHoi' ycrauoan ( rigporraereoponorivHoi cnyx6r, opraHia AepxaBHoro
-iexHoro HaTnflAy, nigpoaqinia.[epxaaHoi cnyxOlt Yxpainr,l 3 HaA3Bilqailwx cmyaqira, oprauia eHyrpiu.rHix-laB Ta iHurx aipnoai4Httx cnyx6) o ni4raep4xeHHnM Saxry no4ii', r4o rtaoxe 6y1,1 Br43HaHa crpaxoBr/M25
BrAruKoAyBaHHfl npilapoxarlHocri/noro4r,t
:'-aAKoM, is gaeHa'leHHflM npilLlt/Hil ra o6craa[HLt i'i ailHIxHeHHff, rcl a6o oci6 ailHHfix a HacraHHi cTpaxoBoro: '-aAKy (roxpen,ra - piueuHn cyAy).
11,4. npu :arfi6eri (na4exy) 3acrpaxoBaHmx cinscuxorocnoAapcbKr4x rBapru eHacni4ox xaopo6r,r- -raxyaansuilK
AoAarKoBo Ao AoKyMeHrie, eilsHaqeHilx nyHKTorv 1 1 .3 qr,lx [1paern, ,o6or'r,u* vtitt 1opatu.- [lpororon po3Tl4Hy rpyny 3acrpaxoeaHoi' TBapilHr/ is gasHaqeHHflM npilL14H l saxaoproeaHHn, sarra6eni-a4exy) a6o ar,tuyuteHoro sa6oo (earaHasii);- Axr cnpnuyBaHHfl TBapilHI4 Ha BilMyueHuit ealiit (eeranaairo), flKtqo raKni1 e.,
-,[oxyureHr u1o ni4reepAxye Henpilgaruicrs Ao BxilBaHHR r,,risca (aciei ryui a6o rr'vacrnHr,1) BfiMyueHo,a6r,troi TBapt,tHr4, nruqo raxurl e;
- Konin piu:euHn KapaHTilHHoi iHcnexqii a6o iHuoro ynoBHoBaxeHoro BerepilHapHoro opraHy npo:ronoueHHn KapaHTilHy a perioniTa npo 3axoAr/ 6opors6r is iHsexqiranrril11a xaopo6arrlm;
- KerraHqit, npra6yrxoei opAepr, ToBapHo-Kacoei .rfi iHu:i pospaxyr*ori AoKyMeHril, qo ni4raep4xyrorb3rrparfi CrpaxyaanuHfiKa Ha npoBeAeHHq eaxo4ie qo4o sano6iraHus ra 3MeHUeHnn s6fi1ie, r , u. anrriy ,,.r i xyaaHnn xaopoi' TBapilH14, MeAilKaMeHTil Tou{o;
11.5. I-1pu sarfi6eni (nagexy) 3acrpaxoBaHrx cinucsxorocnoAapcbKlix rBapilH eHacni4or HeqacHoro3rnaAKy CrpaxyaansHl4K AoAarKoBo Ao poxyrueHria, Bil3HaqeH[x nyHKToM 11.3 qr,1x lpaern, go6oa,sgaHrr4-0AaTil:
- BilcHoeox - 4oaigxy BerephHapHoro nirapn a6o cnyx6lt BerepnHapHoi rve4uqraHil npo npilqilHil,arr6eni a6o aNuyueHoro sa6orc (earanaoii) 3acrpaxoBanoi' raapr,tHr,l;
- Excneprurt,l ailcHoeox na6oparopi'i eerepuHapro-caHirapHoi' excneprN3fi, flKu-lo rBapilHa 3arilHyra:racnigox orpyeHHF;
- Axr cnprvyBaHHs rBap[Hl4 Ha BilMyuieHwit ea6ih (earaHasiro), flKu-io raKtryi4 e.,
floryrr,leHr r4o ni4raepgxyo HenpilAarHicru Ao BxrBaHH, ,]rca (aciei ryui a6o rr'.{acrilHra) eruyu:eHo.a6r,troi'TBaptaHr4, nxqo rarrrlt e;
- Karrauqi'i, nplt6yrxoai opAepfi, roeapHo-xacoai.nrpatl CrpaxyeanuH[Ka Ha npoBeAeHHF saxo4ia qogo- KyBaHHfl xaopoi TBap[H14, MeAilKaMeHTLt rou_{o;
qu iHmi po3paxyHKoai poxyrueHrn, qo nipreepAxytorbsano6iraHHq ra 3MeHUeHHg s6ilrria, B T.q. cnrary 3a
11.6. l-lpr,l eraxpageHHi 3acrpaxoBaHrx cinucuxorocnoAapcbKr4x rBaprH CrpaxyeanuHrK AoAarKoBo Ao:cryueHrie, Br3HaqeH,4x nyHKToM 11.3 qrx [lpaaun, so6os'sgaunu nogatvt AoKyMeHT, nxura ni4raepAxye: AKpt4rre rprrrriHanuuoro npoBaAXeHHn (novaroK AocyAoBoro poscnipyeaHHr), r ,1iory pasi nogaerucs' xonis
'anarlnoaiAoMneHHfl npo Bt{t4HeHHr rprn,tiHanbHoro npaBonopyueHHfl e aign,tirroro npo rr'npr,1r,1unrrr aignoai4Hru:p[aH0M AocyAoBolo poscnigyaauHs ra/a6o raloHy-noaiAoMneHHR npo npr,lr,lHnrrs raxor' 3afl8.4, noeigouneHHn,:'1AaH0r0 OpraHOM AOcyEoBolo poscniAyaaHun), a6o AoKyMeHT, nxrra nigraepAxye 3aKpnrre xprruiranuHoro-soBaAxeHHn (saxinveHHF AocyAoBoro poscnigyeaHun), sa Qaxrou HacraHHfl crpaxoBoro BfinaAKy;
11.7. Fxqo cinscsxorocno4apcsxi rBaprHr/, 3acrpaxoBaHi sa loroaopoM crpaxyBaHHfl, nepegaHi ni4:acTaBy, i crpaxoee ai4ulxo4yaauuR, sriguo e floroeopol CrpaxyBaHHff, Moxe 6ytu BynnaqeHoiacraBoAepxareno (BurogoHa6yaavy), CrpaxyaanuHilr so6oe'ssawn Ha1arn Crpaxoenxy goioaip 3acraBil Ta:caigxy npo Harauicru gir,tcHoi B14Moril 3acraBoAepxareng ra ii posrvrip.
11.8. l-lpr,1 crpaxyBaHHl cinucuxorocnogapcuxoi npopyoqii loroaoporvr crpaxyBaHHe Moxe 6ytn-epe46aveHo noAaHHfl iuri:rx poryMeHTiB, RKu-{o BoHr/ neo6xiqni AnF BcraHoBreHHs posrvripy a6urxie, qo- Anfl rarcTb aigutxo4yaauHro.
11.9. KoHxperuuil nepenir goxyueHrie, sxi rrlanru: / naAKy, Bt43HaqaoTbcn !oroeopoM cTpaxyBaHHfl .
6yru aagani Crpaxoer,rry npt4 HacraHHi crpaxoaoro
^ 11.10. floryrraeHrr, neo6xi4ui AnF spittcHernn Btnrarv crpaxoBoro ei4u:rogyaaHHr, HaAaorbcgJrpaxoaNxy y Sopnai oprriualuHrx a6o Horapianuuo aaeipeHux npran,lipHrxia qil npocl4x ronirZ, sa yMoBr4-aAaHHF Crpaxoenxy Mtoxorsocri seiprra qrx xonir,t s oprriHanuHrarvr npruipHIKaMil poryueHrie.
11.11. Yci4oxyrvreHril noeilHHi6yl,t pos6ipflt/Bo HanficaHi a6o HaApyKoBaHi Ha 6naHxax, Maru aignoaigHi-eqarKil ra ni4nrcn, a raKox Ha3By, aApecy ra KoHTaKrHlrra rele$oH ycraHoBr4 (opranisaqii), qo er4ana '
:cKyMeHT.
26
12. nOPflROK IvMOBl4 3Arl4CHEHHfl CTPAXOBI4X Bt4nnAT
12.1. llpu HacrauHi crpaxoBoro BfinaAKy Crpaxoerx go6os'Rgaurta y aipnoeigHocri s yMoBaMil floroaopycrpaxyBaHHr a6o 3aroHy sgiNcHrrr Bilnflary crpaxoBoro aigu:rogyaaHHn CrpaxyaanuHnry a6o
3rrogoHa6yaavy, nri noailHHi AoKyMeHTarbHo AoBecrfi :
- cei14 Ma14Hoer,tta inrepec y 3acrpaxoBaHoMy tuat,tui;
- HaRauicru crpaxoBoro BilnaAKy.
12,2.Bunnara crpaxoBoro ei4urr<ogyBaHHfl sgir,tcHoerucg ua niAcraei nilcutuoeoisaner CrpaxyBanbHilKa
npil HaflBHocri y CrpaxoBilKa acix Heo6xigHr4x AoKyMeHris, gagxaqeHilx y pos4ini 1 1 qrx [1paern, Bil3HaqeHHF
c6craarH, npnqfiH, posrr,tipy i xaparrepy sanoginuoro s6rrxy, Br/3HaHHF CrpaxoeNxotu nogii'crpaxoBt4M BilnaAKoM
Ta cKnagaHHfl crpaxoBoro aKTa a6o aaapittHoro ceprr$ixary.12.3. Iicnn orpilMaHHH noeipouneHHn BiA CrpaxyaanuHrra qil BrrogoHa6yaava i eiAnoeiAHrx
qoxyweuria npo crpaxoBura ernagor Crpaxoarr go6oa'RsaHfiil:
- 3'FcyBaril o6craamHn crpaxoBoro Br4naAKy, cKnacril aKT orrnAy uicqn nogii Ta Bil3Haqilrr poslips6r,trxy;
- spo6rl,t po3paxyHoK cyM14 crpaxoeoro aigu.tt<oAyBaHHfl;
- cKracr[ crpaxoaurt ar<r a6o 3BepHyn4cr qo aeapiranoro rouicapa 3a cKnaAeHHflM aeapiltHoro
:eprrSixara;- Bilnflarhfl/ crpaxoBe eigur<ogyeaHHF B crpoK, ycraHoBreHvti,t tquutt [lpaernaur a6o noeigorurrn
3rpaxyaanuHrrrxa (Br,rrogoHa6yeava) npo eignroey y arnnari crpaxoBoro aigu.rrogyaaHHn, B crpoK ycraHoaneHrt4
.ruu flpaaunarritr"
12.4. hpaxoae aipurxo4yBaHHn Brnnaqyorbcfl B Mexax crpaxoaoi cyMr4 3 ypaxyBaHHffwr posrvripy npnMnx
,5ilruie.
12.5, l-1pnui 36urKr,r, nri aigurogoByrorbcfl CrpaxoarroM, He noBilHHi nepeamr4yBarfi po3Mip SaxrNvuo-oHeceHilx Br4Tpar CrpaxyaanuHrKoM, a raKox Br4Tpar, o6ynltoaneurx,[oroaoporr,r crpaxyBaHHs.
12.6. Crpaxoae eigurxoAyBaHHn He BrnnaqyoTbcfl, nKU-{o po3Mip s6Nrxy He nepeBfiu-lye posrvripy
:paHUil3r4 (aa yuoa ii arroprcrauun a loroaopi crpaxyaaHnr).12.7. B pasi uaneuocri y Crpaxyaanuuuxa iuuux loroaopie crpaxyBaHHn no AaHoMy npeAMery
.-paxyBaHHF poeuip crpaxoBoro aigurxogyaauun, qo nignnrae arnnari Crpaxoanxorrit, BcraHoBnloorbcf;-:onopqittHo posrvripy crpaxoaoi cyMil 3a yKnaAeHilM ,QoroaopoHlr crpaxyBaHHF Ao cyKynHocri ycix crpaxoBr4x cyM
. : yKnaAeHilur CrpaxyearbHr/KoM [oroaopaur.12.8, flna BcraHoBreHHn posruipy s6rrKie ra Bil3HaqeHHfl cyMr4 crpaxoBoro aigurxogyaaHHfl, Ao yBaril
:Nyrs 6yla npr,tNHnri piueHHn cyAy, AoKyMeHril 6aHxiecbKr4x ycraHoB, noAarKoerx opraHia, uicqeaNx opraHia
:-aAtA, BkICHOBKT/ eXCnepriA, Cneqianisoaatnx sipw, Br4cHoBKr/ HayKoBo - gocnigHrrrx iHcrrryria ra iHuux
:'/neTeHTHr/x ycTaH0B,
12.9. CrpaxoBr4K Ta CrpaxyaanuHilK Maprb npaBo 3anyqaril aa ceira paxyHoK He3anexHilx excneprio go
. : scnigyaauuq o6craeuH crpaxoBoro BrnaAKy.
12.10. I-lpr cnnari CrpaxyaanuHfiKoM crpaxoBr4x nnarexia qacrfiHaMfi crpaxoBe aigurxogyaaHHn
: :naqyoTbcn CrpaxoeuKoM nponopqirauo go cnraLreHfix CrpaxyeanuHilKoM crpaxoBr4x nnareNie eiA saransHoi-:axoao'i npenaii'sa loroaopoM crpaxyBaHHF, flKu-{o iuue ue 3a3HaLreHo e loroaopi crpaxyBaHHF.
12.11, fiicrs ailnnarr crpaxoaoro aigurxoAyBaHHn go CrpaxoeilKa nepexoAr/Tb y Mexax efinna.reHol
'.'u npaBo B14Moril, nxe CrpaxyaanbHfiK (BNrogoHa6yaav) rr,rae go oco6r, aipnoaiganuHoi'sa sanoginHNra g6ilror.
12.12. fixqo s6rarox aiqurxopoaaHo Br/HHoro oco6oro qacrKoBo, Crpaxoarx Bilnnaqyo pisHraqro uix cyrr,too-:axoBoro aiqurogyaauur, sri4uo [oroaopy crpaxyBaHHn, i cynroro, eigurogoaaHop B14HHoro oco6oro.
12.13. B pasi, nxqo CrpaxyBarbHl4K (Br,rrogoHa6yaav) ceoirr,tu pinvvt (6ee4innuHicro) nepeuxoAxae-:axoBr4Ky a sgirlcueHi npaBa seoporHo'i Br/Moril go aruuo'i oco6rt a6o yueuoxnrara qen npollec, Crpaxoarx: -5HForbcF eip eunnarr crpaxoBoro aigr.uno4yaaHHfl, a flKu-{o Bfinnaril BXe 6yrm spo6neHi, To Crpaxoarx
', -aai saxaparil noBepHeHHF BilnnaqeHilx cyM crpaxoaoro aigurxoAyBaHHn, qo noBrHHo 6yrr o6ylroBneHo-lB0p0M cTpaxyBaHHF.
12.14. loroaip go6poeinuHoro crpaxyBaHHfl cinucuxorocnogapcuroi npogyrqii, 3a flKrM BilnflaLreHo
-:xoBe eigu.rxogyaaHHn, s6epirae qrHHicru po xiHqn 3a3Hal{eHoro y HboMy crpoKy e posuipi pisuuqi uix:xoBolo cyMot0, o6yrr,roereHorc [oroaoporr,t, i cyrvroro BfinflaqeHoTo crpaxoBoro aigurr<ogyeauHn, Fxqo
::xoBe ai4urxogyaaHHF BilnraqeHe y posrvripi noaHoi c'rpaxoeo'i cyMr/, To qrHHicru [oroeopy cTpaxyBaHHF-t4Hfl0TbCH.
27
12.15. ffxr4o y nepiog pir' fioroaopy crpaxyBaHHe crpaxoei arna4rr BnHVKann HeoAHopa3oBo, rononepegHi crpaxoai Bfinnarfi (nrqo rari 6ynr,r npoaegeHi) Ha aignoaigHy cyMy 3MeHuytorb crpaxoBy cyrrlty. l-1pm
tiboMy 6esyrraoaua SpaHuusa, flKu-lo yMoBaMil floroeopy crpaxyBaHHr nepe46aveuo ii Br/Kopr4craHHfl,Bt,tpaxoByorbcn aig cyur,t s6r,trxy npil HacraHHi xoxHoro crpaxoBoro BilnaAKy.
12.16. firr4o loroaopoM crpaxyBaHHfl He nepe46aqeHo iHue, y pasi HacraHHfl crpaxoBoro BilnaAKy nopt43t4Ky "nporilnpaBHi gii' rperix oci6 ailnnara crpaxoBoro ei4uxogyBaHHfl npoBogLirbcfl 3a yMoBr4 aigt<prarrnxpruiHanuHoro npoBaAxeHHn (novarxy Aocy4oBoro poocni4yaaHrin) i CrpaxoaraK cnnaqye crpaxoBe:igrLrxogyaanHfl HacrynHilM L{14HoM
:
nepua qacrilHa - e poslipi, BKa3aHoMy a floroaopi crpaxyBaHHn, - nicnn orpr4MaHHfl Crpaxoarxonlt xonil'-loKyMeHTa, n<uit nigraeppxye Qan eipxprrrn xpruiHanuuoro npoBaAxeHHn (novarxy AocyAoBoro:oscnigyaaHHr) (xonin saneu/noaigoMneHHff npo BrrilHeHHn rpruiHanbHoro npaBonopyueHHfl s ai4rr,rirxoro npo i'i-pur,uFfta aignoeigxru opraHoM AocyAoBoro poscnigyaaHanrcla6o ranoHy-noaiAoMneHHff npo nprraHnrrs raxo'riaHBil, noai4on/lneuHff , BilAaHoro opraHoM AocyAoBoro poscnipyaauHn);
Apyra qacrrHa - B posnllipi, BKa3aHoMy a fioroaopi crpaxyBaHHq, - nicns orpuMaHHR Crpaxoarxou xonii:oKyMeHTa, nrrtt niAreepflxye gaxiH,.leHHR nonepeAHboro cnipcrea (cxnagaHHn o6erHyaanuHoro BilcHoBr<y a6o-aflexHhM tl14HoM oaaipeua ronis nocraHoB14 npo 3ynilHeHHF xpurvriuanutoro npoBaAXeHHn [gocy4oaoro:cscnigyaaHur]) y easnaqeHoMy rpruiHanuuoMy npoBagxeuHi a6o gaxiuqeHHs uecrilMics.lHoro crpoKy (nxqo-croeopow crpaxyBaHHF He 3a3HaqeHo iHue) 3 AHfl ai4rprrrn rpruiuanuHoro npoBaAxeHHn (novaruy:3cyAoBoro poscri4yeanun), s apaxyBaHHFM SpaHuusr, npornroM 10 (gecnril) po6ourx qnia s qun npultunrrn: ueHHfl ra nicnq sa6eeneqeHHfl npaBa perpecuoi'Bt4MoTr4 Crpaxoar,try;
oAHolo qacrilHolo y poslipi 100% - nxqo xprarr,tiHanbHe npoBaAxeHHn 6yno 3aKpilTo (soxperua. Ha- qcraei nyHxria 4, 5, B, q. 1 cr. 284 KpranriHarbHoro npoLlecyanbHoro KoAeKCy YxpaiHr,t) 3a yMoBr4 HaAaHHn-lcraHOBt/ ynOBHOBaxeH0r0 0praHy npo 3aKp[TTn rprruiHanuHoro npoBaAXeHHfl s Bt/qe3a3HaqeHilx nptaLt14H.
12.17. Y er,rna4xy nireiqaqii, peopraHisaqii CrpaxyaarbHilKa a6o r,roro crr,repri ($isr,lvHoi oco6m -- lnpreuqn) npaBo Ha orpilMaHHq crpaxoBoro aigurioqyBaHHfl nepexoAr4Tb po r,toro npaBoHacrynHrra a6o.-aAKoeMqff srigHo qfiHHoro 3aKoHoAaBCraa YxpaiHn.
12.18. fioroaoporvr 4o6poeinuuoro crpaxyBaHHs cinscuxorocnogapcuxo'i npogyxqir' Moxe 6yu-=reg6aveHo iuturri noprAoK po3paxyHKy ra Blnnarn crpaxoBoro ai4utxogyaaxHfl, Hix rora, qo ecraHoeneHNil- ",rr Ipaernarum,
12.19. Oco6nueocri noprAKy i yraoe sgiicxennn crpaxoBr4x Brnrrar npu go6poeinunouy:-DaxyBaHHi epoxarc cinscuxorocnogapcbKr,rx Kynbryp xa ocxoai ixgexcy epoxannocri
12.19.1' Posrvrip 3araflbHoro s6r,trxy npr,t nou.rKoAxeHHi epoxaro cirucurorocnoAapcbK14x Kynbryp- =:ni4ox HacraHHF crpaxoBoro BilnaAKy Br/3HaLlaerbcs nicnq ony6nixyaauHn [epxaeHr,1rv xorirero,-.-tAcrtAK:A YxpaiHr,1 AaHrx npo SaxrmvHy cepeAHrc apoxatauicru e a4rvrigicrpar14BHoMy pay4oni (o6racri)
'1Afl11t4 o aaprocri xinuxicHrx BTpar npopyrqii rynurypr,r aHacniAoK crpaxoeoi no4ii i pospaxoayerscn-: {OHHFM pisHrqi uiN crpaxoBoto Bpoxaltuicrrc s 1 ra 3 ypaxyBaHunna piaur crpaxoBoro noKpr4TTfl, FKa,:-aqeHa y loroaopi crpaxyBaHHn ra SarrrqHop cepeAHboro BpoxaraHicrp e agrvrinicrparilBHoMy par,1oHi
.-acri), ony6nir<oeauoro !epNaeurru rouireroM crarilcrrxr Yrpaiur,t, Ha 3acrpaxoBaHy nrou-ly ra'Ha qiHy,r--aqeHy y fioroaopi crpaxyBaHHF.
12.19.2. ffxqo 6y4u-flKy Kynbrypy nocinHo Ha nnoqi 6iruuir,r, nix 6yna npuraHnra Ha crpaxyBaHHfl,.'p o6ntry, a pasi tr'sarr6eni, Btr3Haqaerbcn 3 po3paxyHxy aciei Sarcrravnoi' nnoqi nociey pa,..,oi'xynoryp,: crpaxoBoro ei4urogyeaHHF Bilnraqyerbcn nponopqir,tHo eigcorxy, sKilr,t craHoerars poorvip nnogli rynuiypr,t
-:.oeOpOttrt cTpaxyBaHHn ai4 Qar1,1r.{HO noCisHOi.
12.19.3. Posrvrip crpaxoBoro aiguxo4yaaunn (CB)po3paxoByerbcn 3a HacrynHolo Soprvrynoro:
CB = (B cmp - B ,rp) x 11 cmp X l, pe'.
B cmp - crpaxoBa (sacrpaxoaaua) apoxar,1nicru xynurypr,1;
B cep - cepeAHfl (Sar<navHa) apoxattHicru Kynbrypr4 a agrr,tiHicrparilBHoMy paraoni (o6nacri);17 cmp - 3acTpaxoBaHa nnoula KynbTypl4;
4 -qina 1 qnpogyxqiixynsrypr,r;12.19.4. Posrvrip crpaxoBoro aiguropyaaHHfl He noBNHeH
euoi' a .[oroeopi crpaxyaaHur.nepeBfir4yBarr poeruip crpaxoaoi' cyur,
12.19.5. Cyua crpaxoooro aipuLroAyBaHHf, Br43HaLraerbcfl Br4xoAflqil s posrr,ripy s6raxy 3 ypaxyBaHHflM:
28
- nponopLlit'lHoi' si4noaiAanuHocri Crpaxoenxa y BInaAKy, Korr/ crpaxoBa cyMa sa [oroaopovcrpaxyBaHHfl MeHU-la, Hix eapricrb npeAMera floroaopy crpaxyBaHHfl Ha MoMeHT yKnaAaHHfl floroeopycrpaxyBaHHn (nxLqo nponopqiraHa aignoai4ansHicru o6yvoaneua gororopo, .rpa*yrur*n). Fxr4o crpaxoBacyMa craHoBt4Tb neBHy qacrKy aaprocri Bpoxalo, crpaxoBe ei4u.txo4ysaHHl Brnraqygrbcs y raxi4 xe vacrqi ai,B13HaqeH0r0 n0 crpaxoBoMy BilnaAKy s6r,trt<y;
- cyMl4, u1o ai4u:xogoBaHa CrpaxyealuHt4Ky Bt4HHoto oco6orc y sanopinHHi s6rrKie a6o oco6oro, flKa ixaigulxogoaye sal\aicru raxoi' oco6rt. Frqo CrpaxyaanuHilK r.r4 Braro4oHa6yBaq oAepxaa aigu.rxogyaaHur ai^oco6r, aipnoaiganuHoi sa eanoginHrra g6rtox, irpaxoer,rx eigr.r.rxogoeye pisHr,,tqro uix cyruoro"arpu*ororoai4ulxogyeaHHfl, t4o ni4lnrae sfinnari 3a yMoBaMil floroaopy crpaxyeauHn, i cyruroro orpilMaHoo B nopffAKyeiguxogyaaHHR o6rruy, sano4irHoro eiq rperix oci6;
- Hecnnaqexoi qacrxr crpaxoBt4x nnarexie. Y anna4xy, nxr4o floroeopoM crpaxyBaHHg o6yuoaleuacnnara crpaxoBor0 nnarexy qacrilHaMil, ro ea fioroaopoM crpaxyBaHHfl a6o CrpaxoBt4K Hece ei4noaigalsHicruB noBHoMy o6csgi e pasi noaHol' Ta cBoeqacHoi cnnarm crpaxoBr4x nnarexis, a6o crpaxoee eigurr<ogyBaHH,tsilnnaqyoTbcn nponopqitaHo eigHoueHHo cyMrl Saxrrtvno cnnaqeHilx nnarexia Ao 3ararbHoi cyrvrr ,rprrororornarexy sa fioroeopoM crpaxyBaHHr. Frqo Ha MoMeHT HacraHHfl crpaxoBoro BilnaAKy Cr[axyeanuHilK HelnnaTfiB (cnnarre He B noBHorvry o6cnsi) qeproBy qacrfiHy crpaxoBoro nnarexy y Br43HaqeHrra floroeoporr,rlTpaxyBaHHfl crpox (uesaflexHo ai4 npuvr,tH), crpaxoBe eiguxo4yeaHHF Bilnnaqyerbcg nponoprlir,1Ho ,i4rorenn,o:ytur SaxrrvHo cnnaqeHfix nnarexie Ao 3aranbHoi'cyrvrr,t crpa*ouoro nrarexy sa !oroaopoM crpaxyBaHHF;- poswipy s6ilrxie, ai4u.txogoeaHrx CrpaxyearsHr,rxy iHurau Crpaxoarxorur 3a AaHilM crpaxoBr/M:/naAKoM' V pasi HaRsHocri y CrpaxyearbHfiKa iHr.uux floroeopia crpaxyBaHHfl no npegMery AaHoro loroaopy--paxyBaHHfl poswip crpaxoBoro eipuLxogyaauHr, qo nignnrae ailnnari Crpaxoarxon,1, BCTaHoBrperbce-:onopqit,lHo posrvripy crpaxoaoi'cyMil 3a yKnaAeHfiM [oroaopon,t crpaxyBaHHfl Ao cyKynHocri ycix crpaxoBr4x cyM:l yMaAeHfiur CrpaxyBarbHl4KoM floroeopauu, I-lpr,t LlboMy 3aranbHa cyMa crpaxoeoro aigurKoAyBaHHF,:"rnaqeHa yciura CrpaxoBhKaMrt CrpaxyaanuHfiKy, He Moxe nepeBilLqyBarfi cyMil npeMoro s6r,1rxy no AaHoMy-:eAMeTy
cTpaxyBaHHe.
12'19'6.5es sro4r Crpaxoerxa, sKulo qe nepeg6aveHo floroaopoM crpaxyBaHHff, crpaxyeanuHfiK He:: npaBa aiAuoanrrrcn ai4 3acrpaxoBaHoro Bpoxaro (r,toro vacrrHr), nxltn' san11wraecs nicnR'crpaxoBoro: -aAKy, Haeiru i nouro4NeHoro. 3annuroea eapricrb raKoro Bpoxao ni4nrrae BfipaxyBaHHrc 3 cyMr4 a6r,,,rxy,12'20' 0co6nreocri floprAxy i yruoa sgificnernn crpaxoBr4x Brnrar npu 4o6poeinunoruyI rrlbrHpl4314KoBoMy crpaxyBaHHi cinucuxorocnoAapcbKHx Kynbryp ra 6araropirxr,1x HacaflxeHb12'20.1. PospaxyHoK cyMt/ crpaxoBoro aiguxo4yaarrr nporogrrucn crpaxoB14KoM HacrynHrM qfiHoM:- posltip cyMl'l crpaxoeoro ei4utxoAyBaHHfl no crpaxyBaHHo Bpoxarc cinucuxorocnoAapcbKlrx KyrbTyp
--: 3Hlo0 eaprocri xinuxicHrx BTpar Bpoxarc ocHoBHoi' npopyxqii 3acrpaxoBaHoi' xynsrypr,r (rpynr xynuiyp; :_,,.,:l:3-:j:::1]:::ifYll lr-.roqapcrai,
po3paxoBaHir,r rx pisnrqc Mix rupri.ro Bpoxalo e 1 rerrapa,-tr -"'-'-"lqrttA
npil yKnaAeHui ,Qoroeopy crpaxyBaHHfl -ra eapricrrc Saxrnvno orpilMaHoro Bpoxao sa qiHauu,:yn,z,npunanri pnn po3paxyHKy np[ yKnaAaHui floroaopy crpaxyBaHHe;
- poeuip crpaxoBoro aipurxopyaaHnn no oaruOnrx- 6araropivHrax HacaAxeuHnx (4epeaau, r<yulavr)-3qaoTbcF Bl4xoAfltl14 s 4itlcHoi' i'x aaprocri 3 ypaxyBaHHflM 3Hocy ra Baprocri eanru:xia;
"^,..|':,y1.. ^tyY' .lprxoBoro ai4uxo4yaaHHF, y BilnaAKy noeHoi saril6eni nocieie, aHacnipox npnrvroi 4ir:'lBty'X pr:rria, Bil3Haqaerbcfl Bt4xoAffqr is arrpar, Qaxrr,lvHo noHeceHfix CrpaxyeanuHilKoM Ha MoMeHT-:lH' crpaxoBoro BfinaAKy-B c€peAHboMy Ha 1 rexrap, sxi o6qilcnoprbcq unflxoM 4ineHHr saranuHoi cyur::- Ha nnou-{y nocisia cinucuxorocno4apcsxoi Kynbrypl4, sasHa,leHoi'y floroeopi crpaxyBaHH, il;;il;;--:qy nociey, qo SaxrrvHo 3ar[Hyna (sHrarLleua);
- posrr/lip cyM14 crpaxoaoro eigulKoAyBaHHfl y BilnaAKy noeHoi saril6eni nocieie Ha ecita a6o qacrrHi
:i:ilifl:::ny:lfl.:3il:'li ?irr-iB, Br43Haqaerbcq nK 4o6yrox eaprocri Bpoxao 3 oAHoro reKTapy,rv v varrvtv tvt\tqwv,
'-euoi a floroeopi crpaxyBaHHfl, Ha nnou_ly saril6noi *yrorypr; I r- -"'- 'r,
- Bil3HaqeHHn posnaipy s\vtxy npr crpaxyBanHi HeorprMaHHfl a6o Hepoorp[MaHHF Bpoxap (aapricru'':)' posn/lip 3ararbHoro s6rarxy npI Heorpr4rvauHi a6o HeAoorp14Mauui apoNao cinucuxorocnoAapcbr(r4x; : i 6araropivHr,1x HacaAXeHb aHacnigox HacraHHF crpaxoBoro BilnaAKy Br43HaLraerbcs nicnq-(yBaHHfl Bpoxao CrpaxyaansHilKoM a6o silsHaqeHHFM apoNamuocri Cropouarvr ua nui (a saneNHocri-: floroaopy crpaxyBaHHr), eilxogrvil 3 Baprocri xinsricHNx BTpar npoAyrrlii'xynsryp u a6oipynu*ynoryp-';Hocri ai4 toro, FK BoHt4 6ynu npvwcri Ha cTpaxyBaHHn: er,r6ipxoao, 3a rpynaMfi Kyrbryp) agacnigox:lr0 BilnaAKy i pospaxoByorbcfl MHoxeHHFM pisHr,rqi ruiN apoNamHicrrc s f iexrapa jr*r'rr,ruu.r,I y: crpaxyBaHun) ra Sarrrvnorc apoNalrHicrrc s 1 rexrapa orpNuauoi y nororrHoMy poqi (aaqixcoeaHoro a
29
-loKyMeHTax, nicflfl onpil6yrKyBaHHe a6o ai4noei4urax aKTax Bil3HaqeHHF apoxal,rHocri) Ha QaxlaqHy nrouly-ociey ra ua qiHy, BKa3aHy a floroaopi crpaxyBaHHfl;
12.20.2. fir<qo eHacnigox crpaxoBoro B[naAKy 3Hr/qeHo BenilKy xirsxicru npegueria floronopy:TpaxyBaHHfl i npornrou BcraHoBneHoro crpoKy nosHt4tl po3paxyHoK poanaipy s6r,lrxy spo61arr HeMoxn[Bo, ro Haiiacraai nilcuNaosol' eanar CrpaxyBanbHilKa Crpaxoarr Moxe Bilnnatwu- hovy irar. o6cnrona 50 aigcorxia-onepeAHbo o6'.rficneHol' cyMl/ crpaxoaoro aigu"txoAyBaHHfl, t-lpo cyrvry BilnllaqeHoTo aBaHCy 3a3Haqaerbcr y:rpaxoeouy axri.
12.20.3. Ipr,t crpaxyaaHHi cirucuKorocnoAapcbKr/x Kyrbryp 3aKpilroro lpyury ra ix ypoxarc Crpaxoaux'rprt/Mao piueuHr npo Bilnnary crpaxoBoro ei4rL:xogyBaHHff 3a yMoBr/, qo 6yno noruKoAxeHo caMy cnopyAy-ala6o saco6fi iixorvyHixaqii', a no pil3t/Ky <l<pa4ixxa> - 3a HaffBHocricligia, rxi nigraep4xytorb 31orlr4H, a caMe:-pOHt/KHeHHF y cnOpyA[ 3aKprroro lpyHry urflxoM 3naMy gaepera vil aiKon, 3 3acrocyBaHuRnit eigurvox,-lqpo6neHrax xnoqie a6o iHtttttx iHcrpyrveHrie '.lh rexHi.rHnx saco6ia rou{0, u1o ni4raepAxeHo KoMnereHTH14M: praHoM.
12.20.4. ls cyn,tr,t crpaxoBoro aiguro4yeaHur CrpaxoBr/KoM Moxyrb yrpr/MyBarrcu SpaHur,1sa (nxr4o i'i:acrocyBaHHn nepe46aveHo fioroeopoM crpaxyaauHR), ernnaqeHu14 CrpaxyeanuHr4Ky aBaHc, a raKox qacr[Ha-ecnraqeH0r0 cTpax0B0ro nnaTexy.
12,20.5. Crpaxoae aiAu.rxogyaaHHn sgit,tcHrcerbcfl y posrr,ripi npflMoro s6rrxy, posrr,1ip rKoro BL43Haqaorbcflsigcoftax eig posrvripy 3ararbHoTo s6mrxy, BCTaHoBneHoro xolriciep i sa$ircoaaHoro r axrax o6crexeuHs niclR
-acTaHHfl K0XH0r0 crpaxOBOrO BilnaAKy, nxqo iHue ue nepe46aveuo,QoroeopoM crpaxyBaHHF, crpaxoae: ltxKoAyBaHHfl He Moxe nepeBilu.lyBarr postttipy npflMoro e6rrxy, noHeceHoTo CrpaxyaansHhKoM, Bi4noai4Ho:: L{r4x [lpaenn aiAurxo4yaauHrc nignnraprs rinuxr nprui s6r,1rxr,1.
12.20.6. Y pasi noeHoi saril6eni Llil nouKoAXeutR cinucuKorocnoAapcbKr4x Kynbryp agacnigox HacTaHHt-lax0B0T0 B[naAKy, Koflt/ 3 MeTOp 3MeHUeHHF MOXrr4Br4X S6ilftie Heo6xi4Ho npoBecTil ni4cia a6o nepecia-ocbKolocl-loAapcbKl4x Kyrbryp aignoeiguo, Crpaxoerx aigutxoposye Crpaxyaanug7l<osi aapricru BilTpar Ha-;recia (ni4cia) B Mexax ai4noaiAHoi'crpaxoeot'cyMr/, FKr{o r1e nepeg'6aveuo floroaopoM crpaxyBaHun. Bapricru- lxao suoay nocinHvtx a6o nigcirHnx Kynbryp BpaxoByorbcn FK orpt/MaHrara ypoNar,1.
12.20.7' CepeAHn aapricru ypoxao suoay nocirHtax a6o nipcirur,tx Kyrbryp Br43Harraerbcfl:- nph nepeciei iuur,lrvta KynbrypaMil - Bt4xoAnvr/ is eaprocri ypoxao sa qiHarvra peanisaqii;- npr nepeciei rierc x Kynbryporc, a raKox npN nigciai - Br4xoAflLtr4 is cepe4uuoi' aaprocri ypoxaCI
" :3aHOrO a [OrOeopi cTpaxyBaHHF;- sri4Ho onqioHy tliHra (na oAfiHt4t-lto npogyrqii) 3anponoHoBaHoro CrpaxoB14KoM y floroaopi crpaxyBaHHF12,20.8. fixqo-6y4u-nKy Kyrtbrypy nocinHo (nocapxeHo) Ha nnouli 6inuuir)L Hix 6yna nprar,lHnra ua-::xyBaHHfi, posruip a6r,rrxy a pasi ii earr6eni B[3Haqaerbcn 3 po3paxyHxy aciei Qaxl,1vgoi nnoqi nociey
^aHoi-:Tlpil. cyrvra crpaxoeoro ai4u.tKoAyBaHHfl Bilnnaqyerbcl nponopl{ir,tHo ai4corxy, axui,t craHoBl4Tb nnoula-:ryp14 sa [oroeopoM crpaxyBaHHn aig SarrrvHo nocicHoi.
12.21. Oco6nreocri nopflAxy i yruoe sgincnexnn crpaxoBt4x Bt4nnar npI go6poeinsxorvry:axyaanx i cinucurorocno4apcbKxx rBapuH
12.21.1. Fxqo iHue He nepeg6aveuo floroaopoM crpaxyBauHn, poslip s6r,trxy ra HanexHoro Ao cnraril. (oBot-o ei4urxogyaaHHn po3paxoByoTbcF, Br4xoAflqil 3 HacTynHO[Oi
- y paei nporilnpaBHnx pitrt rperix oci6 eilnnaTa npoBoAr4Tbcff 3a yMoBr4 aigxpurrn rprruiHanuHoro':aAxeHHff (no'rarxyAocyAoBolo poscnigyaaHHn) y posrr,tipi4iltcHoro s6rarxy Ha MoMeHT HacraHHfl crpaxoBoro-Ky y Mexax crpaxoBol cyMt/, l{o npilnaAao H€ oAHy rBaphHy l-lboro BilAy aa fioroaopoM crpaxyBaHHF, 3:(yBaHHeM SpaHursu, - nicnc orpilMaHHE CrpaxoarxoM oAHoro 3 AoKyMeHTia, sxuil CrpaxyaanuHrx','a0 paHtlue - AoKyMeHTa, AKtAiA nipreep4xye eaxiHveHur pocy,'AoBoro cnigctaa, qil nocraHoBil npo-eHHn cni4ctaa, a6o nocraHoBt/ npo 3aKpilTTn xpnuiuanuHoro npoBaAXeHHs y sasHaveuir,1 xpr,1rvriHanugir,.::
- y pasi sarr,{6eni, na4exy a6o aruyr.ueHoro sa6oo 3acrpaxoBaH[x rBapilH crpaxoBe eigurxo4yaaHun'-{erbcfl a posruipipir,lcHoro s6rrxy Ha MoMeHT HacraHHfl crpaxoBoro BrnaAKy y Mexax crpaxoeoi cyMr/, rilo-a-lae Ha oAHy rBaprHy llbolO Bl4Ay 3a floroaopol crpaxyBaHHl, 3 BrpaxyBaHHflM QpaHgrr,1sr,1;- y paei BfiMyueHoTo sa6oo (aa posnopnAxeHHflM cneqianicra Berep[HapHoi rve4rqrHr, noB'fl3aH[r4 3:-:leHHflM saxogia no 6opors6i s enisorieCI) crpaxoae aigurrogyeaHHF BfinraLlyorbcs y poorr71ipi 4iy1qroro
Ha MoMeHT HacraHHa crpaxoBoro BrnaAKy, ane He 6inuue crpaxoeoi cyMt4, u-lo npilnaAae Ha oAHy-y qb0r0 BilAy 3a loroaoporra crpaxyBaHHn, 3 BfipaxyBaHHflM cyMt4, BilpyqeHoi sa 3AaHe M'flco Ta uxlpi'-b M'qca iuxipr'r Bil3Haqaerbcn Aot(yMeHToM, BkrAaHilM oprauisaqieo, rxi66yno npoAaHo M'FC, ra u*ipa. y
30
la3i Bi4cyrHocri TaKoro AoKyMeHTa, Bapricrb M'flca i uripu araHaqaerbcn 3a cepeAHbopr4HKoBoto aapricrrc u'Rca-a uxiptt Ha AeHb sa6orc TBapNHt4. Y pasi Br43HaHHfl rvr'sca eaTfi6nfix rBapilH/nrrqi, HenpilAarHilM AnfltoAanbuoro BfiKopt/cTaHHn, CrpaxyaanbHilK Ha BilMory Crpaxoarra go6os'qgaHiln tapatn nrcuN4oeil14 Br4cHoBoK
tepxaaHo'i BerepilHapHoi cnyx6rt 3 3a3HaqeHHFM npilvrrHil TaKoro BilcHoBKy, fixqo na'Rco Bt/3HaHo nosHicrrc-lenpilAarHilu gnn ixi, To 3 cyMN crpaxoBoro aigu.rxogyaaHHn aapricru 3AaHoro u'sca i uripu He BilpaxoByerbcfl.
12.21.2. B pasi HaseHocri npilAarHoro Arfl BxrBaHHs M'flca y BilMyueHo sa6[roi a6o saril6nor'raaprun,tlfl oKpeM[x au4ia npoAyKTt/BHt4x rBapfiH BcTaHoBflrororbcfl HopMarrB B[xoAy ru'Rca eig Nileoi BailArBapvltA, a
:aMe:
Benrxa porara xygo6a
Cepe4H uoi arogoeauocri 46,1Yo
H fiN,{e cepe4nuo'i aro4oaaHocri 43,0 Yo
Xyqa 39J '/. '-
KoHi airoM aip 1 pory1 r<areropin 54,20/o
2 xareropin 50,7 Yo
KoHi eixoNa aig 6 ruicnqia
Ao 1 poxy
CailHi
1 xareropin 54,2Y0
2 xareropis
CepeAHbor BroAo
50_Jo/o
66,8 %
H ilxr{e cepegHuoi aropoaauocri 63,3 %
12.21.3. Frqo CrpaxyBanbHrKoM HaAaHo goeigxy npo 3Aaqy rBapilH Ha BrMyuJeHrtir saliit ra orpilMaHy: qe cyMy xoruneucaqii, s st(ifi BKa3aHa rinuxicru peanisoaaHoro M'flca, sra e Hagiru MeHUolo HopMt4 Bt4xoAy, To
.-atlip a6ul<y po3paxoByorbcfl Bt4xoAfltrt4 3 po3Mipy crpaxoaoi cyrvra Ane oKpeMoi reapnHu, noMHoxeHy Ha-:xictu sa6wux rBapilH B AaHoMty argi, s ypaxyBaHHffM AoAarKoBrx, nepeg6aqeHilx floroaoporv crpaxyBaHHr,
: -par CrpaxyaanuHilKa ra BilpaxyBaHHflM npilAarHoro Ao cnoxuBaHHfl ra peanisoaaHoro M'FCa, arxig nxoro. __.paxoBaHo 3a Bilu{eBKa3aHilM HOpMaTilBoM,
12.21.4. ,[o4an<oai Brrparil aigurxogoeyrcTbcs Crpaxoauxorvr, flKr{o BoHLI 6ynra sacrpaxoaaui 3a
-:-oeopou crpaxyBaHHfl, B Mexaxnirrrriry aignoaiganuHocri, sxasaHoro BloroeopicrpaxyBaHHn, sa yuoar, u1o qi: -)ar/16ynr,t Heo6xigHignn pflTyBaHHF 3acrpaxoBaHux cinucsxorocnoAapcbKr4x rBapfiH r.lrl 3 Merop 3MeHUeHHr:,'rr<ia ra 6ynr nonepeAHbo noro4xeui Cropouaun.
12.21.5. Posrrlip s6Nruy npil crpaxyBaHui64xonocirrrer,t afiaHaqaerbcfl HacrynHilM r.u4HoM:
- y paai saril6eni (snraqennn) a6o altr<pageHHfl - e posrrltipi crpaxoeo'i cyMil 3a AaHrM Br/AoM 6ANin Ha:-7 6gxonociM'o, noMHoxeHy ua xinsxicru sarvlnwx (snr,tqeur,lx) a6o erxpageurx 64xonocirveri;
- y pasi nouJKoAxeHHF BynrKa - e posnripi ysropxeHoi si CrpaxyBarbHl/KoM aaprocri peMoHry,:.-3HOBflgHoi ua nigcraei r<eraranqii a6o iHuoro po3paxyHKoBoro AoKyMeHra opraHisaqii, nxa npoaoAilna peMoHT.
12.21.6. Poon,tip s6rtruy sa saril6nilNatrt a6o Bt4MyueHo salw.atitu xyrpoB14M14 saiparvrr,l a[gHa.]aerucR is: -aXlB?HHflu aaprocri uKypoK. Y pasi naAexy xponia cynra a6r,trxy BcTaHoBnoorucs is BfipaxyBaHHnu aaprocri-:QOK,anpilBt/MytlJeHoMysa6oi-3BilpaxyBaHHflMBaprocri uxypoxinprgarHoroAoBXilBaHHflM'Fca.
12.21.7. ilpr,r nponaxi (aNr<pageui) sacrpaxoBaHrx rBaprH auacnipor nporilnpaBHux piit rperix oci6.,',tip s6rrxy Bt43Haqaorbcl oKpeMo Anfl KoxHoro BilAy TBapilH B noBHoMy poervipi crpaxoaoi cyMil AnF oxpervoi':*AHLA, nOMHOXeHy Ha XinUXiCrU BilKpaAeHilX TBapilH.
12.21.8. Frqo erHrxae cyuuia y npaBfinbHocri eilcnoaxie cnerlianicra BereprHapHoi MeAfiqhHil npo-':.AHVI saril6eni (nageNy) a6o arauyuLeHoro sa6oro (eeraHasii) reapr,tHr, ro CrpaxoailK Moxe ai4crpovrla-.rary crpaxoBoro ei4utxo4yeaHHn Ha crpoK Ao 10 AHie 3 AHs noAaLli CrpaxyeanbHilKoM Heo6xi4Horo naKery
*','[4eHTiB, ua4icnaeur AoKyMeHTil, r]-lo crocyrorbcn cTpaxoBoro BilnaAKy, AnF nepeBipxr ronoauouy nixapro*-:prHapHoi ueglrqr,tum ruicra (o6nacri).
ll
I
31
13, CTPOK npl4]4H9TTfl ptuJEHHfl np0 3fl[4cHEHHflAEO B|AMOBy B 3Atl4CHEHH| CTPAXOBI4X BilnIAT
13.1. Crpaxoailr go6oe's3aHnil npil HaAxoAxeHHi aig CrpaxyaanuHilKa nficbMoeo'i saseil ra acixHeo6xigHrx goxyueHria, r4o nigraepAxyrorb Saxr HacraHHF crpaxoBoto BilnaAKy, a raKox posrvipy s6ilrxia,npnltHnrn oAHe 3 piuenu npo:
13.2. Bunnary crpaxoBoro aigu:rogyBaHHn - y crpoK He 6inurLLnra rpfiAqflril po6ovutx guia, Rrqo iHur,tra
crpoK He BcraHoBreHo yMoBaMil !oroaopy crpaxyBaHHfl;13.3. BiptttoBy y Brnnari crpaxoaoro aiguxogyBaHHfl - y crpoK He 6inuurara rp,4AqFTr/ po6ovrx gnie:
AHF HaAXoAxeHHfl aig CrpaxyeanbHilKa (BraropoHa6yaava) nilcun4oao'i 3aflBttra acix ueo6xiguux gorynlteuria,13,4. Crpaxoeilx nicns orpilMaHHn noaigowreHHs npo crpaxoerra BilnaAoK ao6oa'RsaHilri:13.5.3a6esne.lrril ornflA 3acrpaxoBaHoro uataua (nociaia, Bpoxao, raaptari) npeAcraBHilKoM
Crpaxoarxa a6o aaapiraHrau rouicapou, AflF LroTo nporffroM Br/3HaqeHoTo B ,[oroeopi crpoKy 3 AHnnoeiAoNneunn CrpaxyearbHt4KoM, 3a BilKnoLreHHnu uepo6ovrx 4Hia, nxqo inue He nepeg6aqeHo yMoBaMil
loroeopy crpaxyBaHHfl, HanpaBr/Tr4 cBoro npeAcTaBHfixa a6o aaapiranoro xolicapa ua uicqe noAil i a qac, nxiysrogxeni si CrpaxyaarbHr/KoM,
13.6. [ipornrorr,t AecflTt4 po6ovnx 4Hia s gur noaigoMneHHfl CrpaxyaanuHilKoM Crpaxoarra npoHacraHHfl crpaxoBoro BilnaAKy cKracrn aKT ornflAy nouKoAxeHoro uailHa, rxu.1o iHue He nepep6ateuo!oroaoporrtt crpaxyBaHHF.
13.7. Axr ornnAy cKnaAaerbcn CrpaxoaNrorra (npegcraBH[KoM Crpaxoarxa) sa yvacrro CrpaxyaanuurxaL{fi ynoBHoBaxeHoi uru oco6n ra, npil norpe6i, cneqianicrie aignoei4uoro Saxy (excneprie).
13.8. y paei erurxneHHs cnopy, Ao BcraHoBreHHF Saxry HacraHHF crpaxoBoro BrnaAKy nla6oBn3HaqeHHF posuipy s6rrxy 3aryqaerbca aaapihann xouicap, Rrrra crnagae aaapiranrr,l cepl,lsirar.
13.9. Crpaxoanx sgiNcHpe Bfinnary crpaxoBoro eigur<ogyeaHHn npornroM n'FTHaALlflrr po6ovNx gHin sgHn nprttunrrn piueHHF npo Bunnary crpaxoBoro aiguxogyaaHHfl, flKu.{o itur,tra crpoK He nepe46aveHo!oroaoporrit crpaxyBaHHr.
13.10. Y paei nprraHnrrn piueHHn npo aigruoay y Bilnnari crpaxoeoro aigurogyBaHHe Crpaxoamx
t
:o6oe'sgaurlt npornrou AecFTr/ po6ovr,rx
3rpaxyaanuHilKy B nhcuNltoeira $oprrlti s-epe46aveHr,tr,t [oroaopoM crpaxyBaHHfl .
13'11. Bigrraoey Crpaxoarxa y crpaxoeira ailnnari rvroNe 6yrr ocKapxeHo CrpaxyeanuHfiKoM y cyAoBoMy-0pflAKy.
13.12. Crpaxoarx Mae npaBo aigcrpovltrr nprlrHnrrn piuenHn npo Bilnnary vra ei4naoay y arnnari:TpaxoBoro aipulxogyeaHHF Ha crpoK He 6inuue uiN 180 KaneHAapHilx 4uia 3 AHfl HaAaHnn CrpaxyeanbHilKoM:ix Heo6xigHt4x AoKyMeHria i ei4ourocrer,t npo o6cragtaHLa HacraHHF crpaxoBoro BhnaAKy:
- y BilnaAKy, Korlt4 y HboTo 3'FBilnrcu o6tpyHroeani cyuuiata crocoBHo gaxouuocri npae CrpaxyBarbHrKa-a orpilMaHHf; crpaxoBoro aigu.tr<ogyaaHun;
- [o sar<pt,trrr xpruiuanbHoro npoBagxeHHn a6o
AHrB, HacrynHilx 3a gHeu npnltHflTTfl TaKoro pir.ueHHn, uagaru rtoroo6ipynryaanHnu npilqfiH eiguoer, nxqo ixlurr,t crpor He 6yge
BrHeceHHe BtrpoKy, nocraHoBr4 vr piu:euun cyqy (saqr nocaAoBoi oco6r, u.{o po3rnnAae cnpaBy npo
HacraHHF crpaxoBoro BilnaAKy ra (a6o) crocoBHo
-,rainuHoro rlr rocnoAapcbKolo cnpaeorc), a6o opranyluiuicrpallBHe npaBonopyueHHfl, FKtlo 3a Sarrorrl-:aqiaHuxia Crpaxyaanuunxa a6o CrpaxyaanuHilKa -
14.1.1. HaaruficHi gii CrpaxyeanbHilKa-aAeHo [oroaip crpaxyBaHHff, cnpnuoaaHi
StsuvHoi oco6r,t-nignpreML{F aig6yaarcrucn Hacrynui
- aigr<praro rpr uiHanuHe npoBaAXeHHn (posnovaro AocyAoBe cnigcrao) ;
- n0pyu:eHo cnpaBy npo agruiHicrparilBHe npaBonopyuJeHHn;- noAaHo quainunrari qil rocnoAapcuxrat,t no3oB npo ei4rLtxogyaaHun eanoginHoi' CrpaxyBaflbHyKoM
::o6aum, noB'F3aHilMt/ si CrpaxyaanuHrrona) u.JKoAt/, noe'RgaHoi 3 HacraHHRM crpaxoBoro BrnaAKV.
14. NPilqrHil BIEMOBI,I Y B[NNATI CTPAXOBOTO BIATUKORYBAHHfi
14.1' nigcraBorc Anfl ai4uoan Crpaxoerxa y arnnari crpaxoBoro eiguxo4yaaHHs npil crpaxyBaHHr-bcbKorocnogapcsxoi npogyrqii e:
(nparlieHNra CrpaxyaanuHraxa) a6o oco6r4, Ha roprcru nroiHa HacraHHF crpaxoBoro BfinaAKy. 3agHa,leHa HopMa He
32
t
nouilprcerbcfl Ha Ail', noB'F3aHi 3 BklKoHaHHflM Ht4Ml,t rpoMaAsHcbxoro Lrr4 cayxooBoro (nocaAoaoro) o6oe,rsry, acraui ueo6xi4noi o6opoHr, rcpataHuoi' Heo6xi4Hocri a6o 3axhcry Mar,tra, xrlrrs a6o sgopoa,r;14'1'2' B..]t/HeuHs crpaxyeansHilKoM (npaqiaHraxaw brpu*yranuHrra) a6o iHuroro oco6oro, Ha Kopr/crbnxoi yxna4eHo loroeip crpaxyBaHHfl, yMt/cHoTo 3roqilHy, qo npnaia Ao HacraHHfi crpaxoBoro B[naAKy;14'1'3' [1o4aHHn crpaxyeanuHhKoM caigorvo HenpaBArBilx si4orvrocrera npo npeAMer !oroeopycrpaxyBaHHF a6o npo Sarr HacrauHfl crpaxoBoro BilnaAKy,14'1'4' orprn,,aHun crpaxyeanuHilKoM noBHoro BrAruKoAyBaHHs g6ilrxie sa [4a14HoeIM crpaxyBaHunn,' eigoco6N, ailHHoi' y ix sano4inHHi;14'1'5' HecsoeqacHe noai4orr,tneuHr crpaxyaanuHilKoM npo HacraHHs crpaxoBoro BilnaAKy 6esn0BaxHrx Ha qe npilL{rH a6o creopeHHn CrpaxoaNxosi (npe4craeur,lxoei Crpaxoarat<a; a'60 aaapiranon,y il,iri.upynepeulKoA y B13HaqeHHi o6craarH, xapaKTepy ra posrvlipy s6rrxia;141.6. BigcyrHicrs y nopir', Lrro Hacrara, 03HaK crpaxoBoro BhnaAKy;14'1'7' He ua4aLrur crpaxyealuHl4xoM nouKoAxeHoro npeAMery floroeopy crpaxyBauus a6o r,1orogarfiurrie Aafl orjlflAy crpaxoaraxy (npe4craaHr,rxy crpaxoalrxa)' vr,,t .rldirrorv'xor,aicapy npu cxnaga,HicrpaxoBoro aKry qil aeapitauoro cepilasixara, 3a BilHRTKonl arna4xia, Kon[ npeArvreril goroaopy ,rp.*yJrrn,
r,,1ornr 6yrr sHruleHi 6es sanruxia, nxulo qe nepe46aveuo !oroaopoM crpaxyBaHHff;1 4.1.8. I nui altna4xu, nepe46aueui 3axouoru14'2' BopxKoBt4Ml4 nigcraeaun gnn aipuoar crpaxoerKa y Brnnari crpaxoaoro ai4rLrro4yeaHHe np,1go6poainsHoMy crpaxyBaHHs cinscuxorocnoAapcbKr4x Kynbryp e:14.2.1.3an,t6enu Bpoxap 3 BtlHtA Crpaxyaanu uuxa,,'
'
14'2'2' 34iracnenHn crpaxyaanuHilKorvr nepeciaaxur (nepeca4xyeauHn) 3aoprcBaHHfl, xynurreaqirc,ll4cKyBaHHR Lll4 Bhnac xy4o6ra Ha nouKoAxeHilx, sarh6nilx nnoLqax - nonex (ginrurax) ,rarpr*orrrr*:inucuxorocnoAapcbKt4x Kynbryp Ao cKnaAaHHr aignoai4noro aKTy o6crexeHHn craHy pocnru crpaxoerxon,,;
^,^. ^ !123' llopyueHHn crpaxyeanuHfiKoM arporexHivHr4x Br4Mor qoAo Br4pou{yBaHHfl Ta AornFAy 3a:rnbcbKorocnoAapcbKt4Ml4 KylbrypaMil, HesxicHoTo e6rpaHHr Bpoxao, a raxox Bl4Mor Br43HaLreHilx npvrncaMvl:nyN6 saxrcry pocrlt4H, KapaNTLlHHoi'craHqii ra iHurx KoMnereHTHnx opraHia B noBHoMy o6cssi,14'2'4' [lopyrL:eHHn crpaxyaansHfiKoM (Brropoua6yaaven,,) npaBrn ,, ,op, no*exnoi 6esneKr, npaBN,-a yMoB Bt4Kopt4craHHff 3acTpaxoBaHoro npeAMery, B ToMy vrcni' cneqianieoaaHoi rexHixr, ,raorprrurr,,-exHixr 6egnexr, Hesa6esne.{eHHF oxopoHt4 Bpoxap, nocieis, HacaAxeHb oco6nilao ca4ia, arHorpa4urxia,:o:ca4urxia ra oBoqeBilx Kynbryp;14'2'5' llepegava crpaxyaanuHrKoM nicnn yxna4aHHn floroaopy crpaxyBaHH, 6es noro4xeHHs is)rpaxoaurorrlt, npeAMery !oroaopy crpaxyBaHHe B opeHAy qI no3ilqKy;14'2'6' Haer,,,cHoro BBeAeHHff crpaxoerxa a6o r,,oro npeAcraBHhxie e oruaHy npfi Br/3HaqeuHi npNv,rH:50 posrvripie s6r,rrxy;
1 4,2.7 . I ur_ui ernagxra, nepeg6avesi 3axoHo u "
14'3' AoaarKoBl4Mt4 niAcraaanaN 4lr ai4uoar crpaxoerKa y Bilnnari crpaxoaoro aigr-r:xo4yBaHH, npil:c6poainuH-oMy crpaxyBaHHc cinscsxorocnoAapcbKr4x rBapilH o:14'3'1' HeailxoHaHHn a6o HeHaflexHe BrKoHaHHfl crpaxyaanuHilKoM nporilnoxexH[x npaBr4r, a raKox:'1M01 K0MnereHTHt4x oprauia HamffAy; nopyueHHE 3ooBerepfiHapHtax B14Mor lrloAo yrp14MaHHfl i ro4ieni:acrpaxoBaHrx rBapfiH, e npoee4eHHi BereprHapHo-npoQinar<Tilr{Hr4x ,uroi,r crocoBHo eaxqr,1HaLlir'
: acTpaxoBaHrx cinucuxorocnoAapcbKr4x TBapilH;14.3.2.1uui BilnaAKN, nepe46aveHi 3aroHoru.14'4' Yrvroaarvrn ,loroaopy crpaxyBaHHfl Moxyrd 6ytw nepeg6aveHi iHuLi nigcraBn AnF aigruoera y.:itlcueuHi crpaxoBoro eigutxo4yaalur, xpiu l,rx, Rxi nepeg6a,.leHi qr,1nrr,1 [lpaemauu.14'5'Y B[naAKy, nxulo CrpaxoB[Ky crano aigouo npo o6craerHr, erma4eui y pos4ini 14 rlux3aB[n nicns cnnaril crpaxoBoro aipu.txogyBaHH,, To Ao Hboro nepexoAr/Tb npaBo Br/Moril, y Mexax
''tnnaqeHoi cyMl/, Ha noBepHeHHF crpaxoeoi' -r^rrrrr.l-lpr,t'quorray
Crpaiyeanuurr so6os,q sauun [oBepHyr4'repxaHy cyMy crpaxoaoro aigulKoAyBaHHF, a6o sa6esn eenTtl' crpaxoarry npaBo perpecy go oco6,r,,;noaiAansHoi ra oanoginuy utxogy, FKU_lo raKa e
15. NOP'EOK BHECEHHfl 3MIH B YMOBI4 EOTOBOPY CTPAXYBAHHfl
15'1' 3rvriHra yrr'roa loroaopy crpaxyBaHHfl Br4KoHyrorbcs 3a 3roAoro CrpaxyeansHnra icrpaxoamxa Ha':craei saReu o4Hier' is cropiH i o+opunrerbcfl AoAarKoroo yro4oo,
J-)
(
'l
15'2' Fxr4o oAHa cropoHa He 3roAHa 3 BHeceHHnu euiH a loroaip crpaxyBaHHn arpiu:yerucfl nilTaHHff nporio floroa_opy crpaxyBaHHc Ha nonepegHix yuoeax a6o npo nprnilHeHHfl r,roro pii.15'3' 3 MoMeHTy oAepxaHHfl 3asB,4 ogHiei s cropin Ao MoMeHTy nprraHrrrn piueHun, FKe BilxoAr4Tb 3
in.15.1 .i 15.2., loroaip crpaxyBaHHfl npoAoBxye ginrr Ha nonepeAHix yuroaax.15'4' CrpaxyeansHrx so6oe'si, ,run noeigorunnru CrpaxoataKa npo aci cyrreai en,1iur piaun 3acrpaxoBaHilx
creilxia nporflroM 24 (gea}$rt4 qorrpbox) rograu 3 MoMeHTy, Rx rinurr r,tonry craHe aigowro npo srvriHy piaHnrarNx prsnxia.
15'5' Crpaxoarx Mao npaBo aipuoarru y arnnari crpaxoBoro eiguro4yeanHn y pasi, flKr4ocrpaxyaansHilK He noaigotrlre r,,oro npo suiHy crynei, .rpurororo pkr3klKy r4oAo 3acrpaxoBaHoro rvar,,,Ha, RxLqoqe nepegOaveHo [oroaopoM crpaxyBaHHn.
15.6, y pasi niger,rr4eHHfl cryneHff crpaxoBoro pil3r/Ky crpaxoeura 3axficrMOXe He npilnilHFTr4Cfl 3a yMOBr/ Cnraril crpaxyaanuHflKoM AoAarxoaoi crpaxoaoi.Crpaxoarxorv.
sa floroaopoM crpaxyBaHHnnpenltii, u.lo BcraHoBrrcerbcfl
15'7' nonoxeHHF Llt4x llpaarn qoAo BHeceHHs sr/iH go loroaopy crpaxyBaHHs po3noB6roAyyrorbce HaBilnaAKil BHeceHHfl AonoBHeHb 4o .Qoroeopy crpaxyBaHHF.
16, yMOBl4 nphnIHEHHfl [OroBopy cTpAXyBAHHfl
16.1. fiin loroeopy go6poainuHoro3roAolo Cropin, a raKox y pasi:
crpaxyBaHHs cinucurorocnoAapcbKoi npogyrqii npunrHnerbcfl 3a
- gaxiH,.leHHs crpoKy gii !oroaopy crpaxyBaHHfi;- Bl4KoHaHHfl CrpaxoarxoHa so6oe'ssaHb nepeA CrpaxyaanuHilKoM a6o Braro4ona6yaaverra y noBHoMy
o6cssi;
- Hecnnarfi CrpaxyeanuHl/KoM crpaxoBt4x nrarexie y BcraHoBreui floroeopoM crpaxyBaHHn crpoxur. ;przrqboMy fioroaip BBaxaerbcfl AocrpoKoBo nphnilHeHilM y BfinaAKy, FKrqo nepuJ vtn (a6o veproar,.rrr) crpaxoerrrrnnarix ue 6ye cnnaqeHnta 3a nrcbMoBoto BLlMoTorc crpaxoarKa npornroM AecflTr4 po6ovrx 4Hia s gurnpeA'FBreHHs raroi Bl4Mol-14 CrpaxyaanuHilKy, flKLr.lo iHlue He nepeg6aveno yMoBaMfi fioroaopy crpaxyBaHHs,- nixaiAaqii CrpaxyeanuHilKa - opr4uvHoi oco6r a6o crr,repri CrpaxyeanuHilKa - eisr,,vnoi oco6r,r-ni4npfiervqn, Llt4 BTparil Hfi[/l noeHol' gieo4aruocri, 3a BrHflrKou arna4ria, nepe46aveHfix crarrsM w 22, 23 i 243axoHy VxpaiHr,r < [1po crpaxyBaHHe)
;
- nixaiAaqii'Crpaxoenra y nopFAKy, BcraHoBneHoMy 3aKoHoAaBCrBoM yxpainr,r;- npunu'trra cyAoBoro piueHHn npo Bt43HaHHr fioioaopy crpaxyBaHHr HegiracHurv a6o sacrocyBaHHfi AoHegir,tcHoro floroaopy uacnigxia r,toro Hix,]eruHocri;16,2. npn crpaxyB aH H i cinucurorocnoAapcbKt4x tryfl bryp :
- 3aBepuJeHHn po6ir no s6mpaHHrc BpoxaCI cinucurorocnoAapcbKr4x Kynbryp, Konil 3a arporexHivHr,r7r
I IH.T$1flt?.[tXttT'' isauoro poxv vpoxar,r Kvtbrvpr4 noauueH 6yril Bxe,i6p.rrr, nKU.{o qe nepes6aveno
- Bt4FBneHHn B pe3ynurari cninuHoro nepBIHHoTo omflqy nociaia ni4 vac crpoKy 4ii floroaopycrpaxyBaHHff ei4cyrHocri qil HeAocrarHuoi xinuxocri cxo4ie, ,ago.rrrarm poanrran,1ra eignoaigHoi Qasrrrpo3Bt/TKy, npil LlboMy floroeip crpaxyBaHHff BBaxaorbcfl AocrpoKoBo nprnrHeHr,tu y ai4HoueHHi nonie'(linnHox),Ha FKilx cnocrepiraorbcE Hecnpunnwai cxoAt4 qr i'xus eiAcyrnicru, .- FKu-lo qe nepe46avego fioroaopoucTpaxyBaHHfl;
- s iHrJr,lx BunaA*ax, nepe46aveHilx 3aKoHoAaBcrBoM yxpai'u,,16'3' flito fioroeopy crpaxyBaHH, Moxe 6y,, gocrpoKoBo nphnilHeHo B oAHocropoHHboMy nopflAKy 3aBNMoroo CrpaxyaanuHnra a6o Crpaxoerxa, FKu-lo r1e nepe46auero ianorou a6o fioroaopo, .rpiryr4iry16'4' I-lpo Harvrip AocrpoKoBo npilnuuvtrvt gin floroeopy crpaxyBaHHn (poeipaanHn florceopy) 6ygs-nxacropoHa go6oe'ssaHa noeigorurrr iHri.ry He nisHiuJe sx ,, so lrprgqrru) xaneHAapHilx pHie po Aarvt npt'n,.HeHHflqii loroeopy crpaxyBaHHs, flKt4o iHu:e Hrru ue rrepe46aqeHo,16'5' y paai gocrpoKoBoro npilnilHeHHe gii loroeopy crpaxyBaHHe 3a B,4Mororc crpaxyaanuurxacrpaxoarx noBeprao r,lorvry crpaxoei nnarexi aa nepiog, Lr-{o 3anilull4Bcfl Ao oaxiHeeHHs 4ii floroaopy, :ai4paxyaaHHeM HopMar[BHLlx Bt/Tpar Ha BeAeHHe cnpaBfi, Br43HaqeHilx npil po3paxyHKy crpaxoaoro rapNQy
SaxrrvHrx Brnrar crpaxoBoro aiAulro4yaaHHn, rJ-{o 6ynr,t sAir,rcHeni sa qr,tn,t'goioaopoM crpaxyaaHHn. FxqoBLlMoTa crpaxyaansHrxa o6yuoBneHa nopyueHHeM cipaxoal,r<oM yMoB loroaopy crpaxyBaHHs, ro ocran,ir,,n0Beprao crpaxyaanuHhKy cnflaqesi Hru crpaxoai nnarexi noaxicrrc.
34
T_ 16.6' y pa3i AocrpoKoBoro npfinilHeHHF floroeopy crpaxyBaHHe 3a BilMoToro CrpaxoouxaCrpaxyaansHrxy noBepraorbcfl nosHicro cnna,reHi Hr/M crpaxoai nnarexi. Fxqo BhMora Crpaxoa,nxao6yuoeneua HeBilKoHaHHnru CrpaxyaanbHilKoM yruoa fioroeopy crpaxyBaHHfl, ro CrpaxoailK noBeprae raon4ycrpaxoei nnarexi sa nepio4, ll-lo 3anruilBCF Ao saxiH.reHHs gii'fioroaopy, 3 BilpaxyBaHHeM HopMarilBHt/x Br/rparHa BeAeHHF cnpaBl/, Bt43HaqeHrx npr po3paxyHKy crpaxoBoro rapr,1Qy, SaxrrvHux Bilnrar crpaxoBoroai4urogyeauHe, l{o 6ynr,t sgirtcHeHi sa qru fioroaoporvrcrpaxyBaHHfl.
16.7' I-loaepHeHHe nnarexie spiltcHrceruce nporflroM ceuu po6ovrx gnie nicln nprnrHeHHF gil'floroaopycrpaxyBaHHfl, flKu_lo inwvtn crpoK He o6ynaoaneul,rr,t sa srogoro CropiH,
17. noPrrnoK Bl4PtuJEHHfl CnOPtB
17.1. Cnopu, u.{o Bt/HilKaprb 3 nilTaHs Airacnocri, BLlKoHaHHfl, HeHanexHoTo Br/KoHaHHn yMoB loroaopy4o6poainsHoro crpaxyBaHHs cinscuKorocnoAapcuxoi' npo4yrrlii' er,rpirLryrcrbcg urflxoM neperoBopia, a npNHeAocflrHeHHi erogr cnip nepegaorbcfl na arpiuexHff Ao aignoaipuoro cyAy y nopeAKy, nepeg6aveuorvy3aKoHoAaBcraou Yxpai'u ra.
17.2' CropoHfi MarcTb npaBo nepeAaril cnip Ha erpiu:eHrn rperertcuxoro cyAy 3a B3aeMHoo 3roAoro,yKnaBUil rperetlcut<y yroAy (nx urflxoM cKnaAeHHff oKpeMoro AoroBopy, rax i u:nnxona sarpinleHur y floroeopicrpaxyBaHHfl rpererlcuxoro 3acrepexen Hn).
18. OCOEIII4BtyMOBl4
18.1, [r,rrvrra llpaernaur BCTaHoBreHo ocHoBHi yvoart go6poairuHoro crpaxyBaHHflcinucuxorocno4apcuroi npogyxqii, oAHaK, 3a gouoeneHicrrc CropiH [oroaopy crpaxyBaHHF y [oroaopiOTpaxyBaHHfl Moxyrb 6yrr aueceHi sacrepexeHHfl, AonoBHeHHfl ra guiur, BhxoAflrir/ 3 KoHKperH[x yMoB3TpaxyBaHHF, ll-{o He noripulyoru craHoBt4qe CrpaxyeanuHuxa nopiaHflHo 3 ocHoBHt4Mt4 nonoxeHHflMr4 l_{Llx-lpaer'u
ra aignoaigarcru l-.[raailbHoMy KoAeKCy Vrpai'Hr, locnogapcuKoMy KoAeKCy YxpaiHra ra 3axoHy yxpainr,rllpo crpaxyeaHHfi".
18.2. Yvroeil floroeopy crpaxyBaHHq Maorb npiopurer HaA qilMil [lpaarnavr.18.3. y pasi sgiracHeuHn CrpaxoBr4KoM crpaxyBaHHq cinscuxorocnoAapcbKoi npo4yxqii' r 4epxaaHon'llATpt4MKoto aignoaigHo 4o 3axoHy YxpaiHr,t <[1po oco6nilaocri crpaxyBaHHs cinucuxorocnoAapcbKoi npogyxqii s
qepxaBHolo niArprrilxoto>, CropoHr floroeopy crpaxyBaHHfl Kepyprbcr (xpirrl1 HopMarilBHo-npaaoaux axria,3a3Ha\leHilx y nyHrri 18.1 qilx I-lpaern) 3a3HaqeHilM 3axouou, a raKox YMoear\4il crpaxyBaHHn:inucuxorocnogapcuxoi npogyxqii 3 AepxaBHoro ni4rpraurroo, 3arBepgxeHhx HaqioHanuHoro xouicierc, Lrlo:AitacHroe AepxaBHe perynrcBaHHn y csepi pmrxia SiHaHcoar,rx nocryr ra MinicrepcrBoM arpapuoi noniruxr rarpoAoBoitbcrea VxpaiHr.
18.4. y pasi cynepe'lHocre,4 n,tix qrrura llpaannarrrr ra YN4oeaMil crpaxyBaHHR cinucuxorocnogapcur<oi'tpo4yxqii' 3 AepxaBHolo nigrpruroo, 3acrocyBaHHrc nipnnrarcrs nonoxeHHfl yMoe crpaxyBaHHq:inucuxorocno4apcuxoi' npo4yxqii 3 AepxaBHoru nigrprurorc.
18.5. Olfiaanln Henepe6opuoi cv1r1t/1. CropoHr floroaopy crpaxyBaHHs eainuHsprucg BiA:ignoeipanuHocri sa HeB[KoHaHHs caoix go6oa'sgaHu sa floroaopoM crpaxyBaHHfl Ha vac 4ii' o6crae,.Hrenepe6opHo'i cunvt (Sopc-HaaNopHrx o6craarH), arsuaHrx raK[M14 srigHo is aaroHogaecrBoM vxpainr,,.
18'6' Bci noai4ownexHfl Ta AoKyMeHril, r{o HanpaBnflrcrbcfl CropoHaHar ogua o4HirI ea floroaopoulrpaxyBaHHH i qrnrN [lpaarnauu, nosLlHtti 6yl,l s4iracHeHi a nrcuMloair,l Qoprvri i 6ygyrs BBaxarilcb noAaHfiMt4-ianexHilM qilHoM, FKl4o BoHt/ Ha4icnaui peKoMeHAoBaHilM nrcrol, a6o nogaHi oco6rcro 3a BKa3aHoo y-loroeopi crpaxyBaHHF aApecoo ra opyveui ni4 posnncxy aiAnoaiganuHir,t oco6i, a6o Hapicnaui renerpa$oM, noieneratany' reneQaxcy 3 oAHoqacHrM noBTopHt4M HanpaBleHHFM noai4ouneHHr a6o 4oryueHriaIOKOMOHAOBaHIM nrcrou a6o a AocraBKoto raKoro noBTopHoro noaipouneuHn r.{t4 AoKyMeHria nocrnsHilrvi.
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