insurance abroad

8/8/2019 Insurance Abroad

1/11

Cirk~ilrcfilo Ciw{~ligk ^k`{olrcfi - [icrkb Wrlrkw

Ciw{~ligk Nlwcgw: Ciw{~k~w lww{mk lib mlil`k ~cwa ci ~kr{~i ef~ lt~kmc{m) Rhk t~kmc{m ef~ klgh tfocgs/ f~ gfir~lgr/ cw glog{olrkbnlwkb ci tl~r fi hcwrf~cglo blrl l``~k`lrkb e~fm mlis wcmcol~ tfocgckw

lib cw tlcb ci lbuligk fe rhk bkocuk~s fe rhk wk~ucgk) Rhk lgr{lo gfwr feklgh tfocgs rf rhk ciw{~k~ cw ifr aifpi {irco rhk kib fe rhk tfocgstk~cfb (f~ ef~ wfmk ciw{~ligk t~fb{grw ofi` lerk~ rhk kib fe rhk tfocgstk~cfb#/ phki rhk gfwr fe golcmw gli nk glog{olrkb pcrh ecilocrs)

Rhk ciw{~ligk cib{wr~s cw bcucbkb cirf rpf mljf~ wk`mkirw:t~ftk~rs&glw{lors/ lowf aifpi lw `kik~lo ciw{~ligk f~ ifi-ocek/tl~rcg{ol~os f{rwcbk rhk [icrkb Wrlrkw/ lib ocek) T~ftk~rs&glw{lorsciw{~k~w wkoo hfmk/ l{rf lib gfmmk~gclo gfuk~l`kw1 ocek ciw{~k~w wkooocek/ ofi`-rk~m gl~k lib bcwlncocrs ciw{~ligk lib lii{crckw) Ci rhk[icrkb Wrlrkw/ nfrh rstkw fe ciw{~k~w w{nmcr eciligclo wrlrkmkirw rf~k`{olrf~w {wci` WLT n{r rhk~k l~k wfmk wc`icecglir bceek~kigkwnkrpkki rhk lggf{irci` t~lgrcgkw fe t~ftk~rs& glw{lors lib ocekciw{~k~w b{k rf rhk ilr{~k fe rhkc~ t~fb{grw)

Ciw{~ligk cw ~k`{olrkb ns rhk wrlrkw phfwk mlci fnjkgrcuk cw rfmficrf~ lib mlcirlci rhk wfoukigs fe rhk gfmtlickw rhks ~k`{olrk)Wrlrkw lowf fuk~wkk ~lrkw/ tl~rcg{ol~os ef~ t~ftk~rs&glw{lors ciw{~k~w/rf kiw{~k rhks l~k lbk|{lrk/ ifr kxgkwwcuk lib ifr {ielc~osbcwg~cmcilrf~s) Rf w{ttf~r rhkwk `flow/ loo ciw{~ligk gfmtlickw l~k~k|{c~kb rf ecok lii{lo eciligclo wrlrkmkirw pcrh wrlrk ~k`{olrf~w {wci`

li lggf{irci` wswrkm kwrlnocwhkb ns rhk Ilrcfilo Lwwfgclrcfi feCiw{~ligk Gfmmcwwcfik~w aifpi lw wrlr{rf~s lggf{irci` t~cigctokw/ f~WLT) WLT `kik~loos ~kgf`iczkw oclncocrckw wffik~ lib lr l hc`hk~ ulo{krhli @LLT lib lwwkrw olrk~ lib lr l ofpk~ ulo{k)

Bceek~kigkw Nkrpkki T~ftk~rs&Glw{lors lib Ocek Ciw{~ligk

Gfir~lgrw: Wfmk bceek~kigkw nkrpkki t~ftk~rs&glw{lors ciw{~ligkgfir~lgrw hluk lggf{irci` cmtocglrcfiw) Rhkwk cigo{bk:Gfir~lgr b{~lrcfi: T~ftk~rs&glw{lors ciw{~ligk gfir~lgrw l~k {w{looswhf~r-rk~m/ wcx-mfirhw rf l skl~) Lw l ~kw{or/ rhk ecilo gfwr fe mfwr

t~ftk~rs&glw{lors gfir~lgrw pcoo nk aifpi pcrhci l skl~ f~ wf lerk~ rhktfocgs rk~m nk`ciw/ kxgktr ef~ wfmk rstkw fe oclncocrs gfir~lgrw) Nsgfir~lwr/ ocek/ bcwlncocrs lib ofi`-rk~m gl~k ciw{~ligk lib lii{crsgfir~lgrw l~k rstcgloos ci ef~gk ef~ bkglbkw)


2/11

Ul~clncocrs fe golcmw f{rgfmkw tk~ skl~: Rhk ~li`k fe tfrkirclof{rgfmkw pcrh t~ftk~rs&glw{lors ciw{~ligk gfir~lgrw gli ul~s pcbkos/bktkibci` fi phkrhk~ golcmw l~k mlbk {ibk~ rhk tfocgs/ lib ce wf/hfp m{gh rhk {orcmlrk wkrrokmkir (golcmw tlsmkirw lib golcmw

lbj{wrmkirw kxtkiwkw# gfwrw)

Ci wfmk skl~w/ ilr{~lo bcwlwrk~w w{gh lw h{~~cglikw lib mli-mlbkbcwlwrk~w w{gh lw rk~~f~cwr lrrlgaw gli t~fb{gk h{`k i{mnk~w fegolcmw) Ns gfir~lwr/ golcmw l`lciwr ocek ciw{~ligk lib lii{crs gfir~lgrwl~k rstcgloos lmf{irw wrlrkb ci rhk gfir~lgrw lib l~k rhk~kef~k mf~kt~kbcgrlnok) Rhk~k l~k uk~s ekp ciwrligkw fe glrlwr~fthcg ofwwkw ci rhkocek ciw{~ligk cib{wr~s gfmtl~lnok rf rhfwk ci rhk t~ftk~rs&glw{lorsciw{~ligk cib{wr~s)

Eciligclo Wrlrkmkirw: Li ciw{~ligk gfmtlis'w lii{lo eciligclowrlrkmkir cw l oki`rhs lib bkrlcokb bfg{mkir rhlr whfpw loo lwtkgrw fecrw n{wcikww) Rhk cicrclo wkgrcfi cigo{bkw l nloligk whkkr/ li cigfmkwrlrkmkir lib l wkgrcfi aifpi lw rhk Gltcrlo lib W{~to{w Lggf{ir/phcgh wkrw f{r rhk mljf~ gfmtfikirw fe tfocgshfobk~w' w{~to{w libghli`kw ci rhk lggf{ir b{~ci` rhk skl~) Lw pcrh @LLT lggf{irci`/ rhknloligk whkkr t~kwkirw l tcgr{~k fe l gfmtlis'w eciligclo tfwcrcfi lrfik mfmkir ci rcmkcrw lwwkrw lib crw oclncocrckw-lib rhk cigfmkwrlrkmkir t~fucbkw l ~kgf~b fe rhk gfmtlis'w ftk~lrci` ~kw{orw e~fmrhk t~kucf{w skl~)

Li ciw{~ligk gfmtlis'w tfocgshfobk~w' w{~to{wcrw lwwkrw mci{w crwoclncocrckwwk~ukw lw rhk gfmtlis'w eciligclo g{whcfi l`lciwrglrlwr~fthcg ofwwkw lib lw crw pf~aci` gltcrlo ef~ kxtliwcfi) ^k`{olrf~w~k|{c~k ciw{~k~w rf hluk w{eecgckir w{~to{w rf w{ttf~r rhk tfocgckw rhkscww{k) Rhk `~klrk~ rhk ~cwaw lww{mkb/ rhk hc`hk~ rhk lmf{ir fetfocgshfobk~w' w{~to{w ~k|{c~kb)

Lwwkr Ulo{lrcfi: T~ftk~rs&glw{lors gfmtlickw ikkb rf nk lnok rf tlst~kbcgrlnok golcmw t~fmtros lib lowf rf ~lcwk glwh |{cgaos rf tls ef~ lol~`k i{mnk~ fe golcmw ci rhk kukir fe l h{~~cglik f~ frhk~ bcwlwrk~)

Rhk~kef~k mfwr fe rhkc~ lwwkrw l~k hc`h |{locrs cigfmk tlsci``fuk~imkir lib gf~tf~lrk nfibw rhlr l~k `kik~loos hkob rf mlr{~crs)[ibk~ WLT/ rhks l~k ulo{kb lr lmf~rczkb gfwr ~lrhk~ rhli rhkc~ g{~~kirml~akr gfwr) Rhcw t~fb{gkw l ~kolrcukos wrlnok nfib lwwkr ulo{k e~fmskl~ rf skl~ (lib ~keokgrw rhk kxtkgrkb {wk fe rhk lwwkr)#


3/11

Hfpkuk~/ phki t~kulcoci` cirk~kwr ~lrkw l~k hc`hk~ rhli nfibw' gf{tfi~lrkw/ lmf~rczkb gfwr fuk~wrlrkw lwwkr ulo{k/ t~fb{gci` l hc`hk~ ulo{krhli fik nlwkb fi rhk ml~akr) ([ibk~ rhk lmf~rczkb gfwr mkrhfb/ rhkbceek~kigk nkrpkki rhk gfwr fe l nfib lr rhk blrk fe t{~ghlwk lib crw

elgk ulo{k lr mlr{~crs cw lggf{irkb ef~ fi rhk nloligk whkkr ns`~lb{loos ghli`ci` rhk nfib'w ulo{k)

Rhcw kirlcow cig~klwci` crw ulo{k e~fm rhk t{~ghlwk t~cgk phki rhk nfibplw nf{`hr lr l bcwgf{ir lib bkg~klwci` cr phki rhk nfib plw nf{`hrlr l t~kmc{m)# [ibk~ @LLT/ nfibw mls nk ulo{kb lr ml~akr t~cgk f~~kgf~bkb lr lmf~rczkb gfwr/ bktkibci` fi phkrhk~ rhk ciw{~k~ toliw rfhfob rhkm rf mlr{~crs (lmf~rczkb gfwr# f~ mlak rhkm lulcolnok ef~wlok f~ lgrcuk r~lbci` (ml~akr ulo{k#)

Rhk wkgfib ol~`kwr lwwkr glrk`f~s ef~ t~ftk~rs&glw{lors gfmtlickw/t~kek~~kb lib gfmmfi wrfgaw/ l~k ulo{kb lr ml~akr t~cgk) Ocekciw{~ligk gfmtlickw `kik~loos hfob l wmloo tk~gkirl`k fe rhkc~ lwwkrwci t~kek~~kb f~ gfmmfi wrfga)

Wfmk lwwkrw l~k .ifilbmcrrkb. {ibk~ WLT lib rhk~kef~k lwwc`ikb lzk~f ulo{k n{r l~k cigo{bkb {ibk~ @LLT) Kxlmtokw l~k t~kmc{mwfuk~b{k ns 34 blsw lib feecgk e{~icr{~k) Ifilbmcrrkb lwwkrw lib ocmcrwfi glrk`f~ckw fe ciukwrmkirw mls nk ~kgfiwcbk~kb lr wfmk tfcir circmk ci oc`hr fe rhk K{~ftkli [icfi'w b~cuk rfpl~b l wci`ok ml~akr ef~ciw{~ligk phcgh cigo{bkw l ikp ~k`{olrf~s e~lmkpf~a ef~ ciw{~ligk

gfmtlis wfoukigs aifpi lw Wfoukigs CC)

Phcok rhk e~lmkpf~aw ef~ wfoukigs ~k`{olrcfi lib lggf{irci` l~k ifrrhk wlmk/ rhk rpf l~k cirk~rpcikb) ^k`{olrf~w offa lr nloligk whkkrwci kulo{lrci` wfoukigs lib nloligk whkkrw l~k rhk t~fb{gr felggf{irci`) Wfoukigs CC kiucwcfiw rhk ~kmfulo fe ~{okw fi ifilbmcrrkblwwkrw) Ci rhkc~ tolgk pcoo nk l wkr fe `{cbci` t~cigctokw nlwkb fi rhkgfigktr fe l .t~{bkir tk~wfi).

^klo kwrlrk lib mf~r`l`kw mlak {t l wmloo e~lgrcfi fe

t~ftk~rs&glw{lors gfmtlis'w lwwkrw nkgl{wk rhks l~k ~kolrcukos cooc|{cb)Ocek ciw{~ligk gfmtlickw phfwk oclncocrckw l~k ofi`k~ rk~mgfmmcrmkirw hluk l `~klrk~ tf~rcfi fe rhkc~ ciukwrmkirw cigfmmk~gclo mf~r`l`kw)

Rhk olwr mljf~ lwwkr glrk`f~s cw ~kciw{~ligk ~kgfuk~lnokw) Rhkwk l~klmf{irw b{k e~fm rhk gfmtlis'w ~kciw{~k~w fi golcmw rhlr hluk nkkitlcb) (^kciw{~k~w l~k ciw{~ligk gfmtlickw rhlr ciw{~k frhk~ ciw{~ligk


4/11

gfmtlickw/ rh{w whl~ci` rhk ~cwa fe ofww)# Lmf{irw b{k e~fm~kciw{~ligk gfmtlickw l~k glrk`f~czkb lggf~bci` rf phkrhk~ rhks l~kfuk~b{k lib/ ce wf/ ns hfp mlis blsw) Rhfwk ~kgfuk~lnokw bkkmkb{igfookgrcnok l~k ~ktf~rkb lw l w{~to{w tkilors fi rhk oclncocrs wcbk ferhk nloligk whkkr/ rh{w ~kb{gci` w{~to{w)

Oclncocrckw lib ^kwk~ukw: Oclncocrckw/ f~ golcmw l`lciwr lwwkrw/ l~kbcucbkb cirf rh~kk gfmtfikirw: ~kwk~ukw ef~ fnoc`lrcfiw rftfocgshfobk~w/ golcmw ns frhk~ g~kbcrf~w lib tfocgshfobk~w' w{~to{w)^kwk~ukw ef~ li ciw{~k~'w fnoc`lrcfiw rf crw tfocgshfobk~w l~k ns el~ rhkol~`kwr oclncocrs) T~ftk~rs&glw{lors hluk rh~kk rstkw fe ~kwk~uk e{ibw:{ikl~ikb t~kmc{m ~kwk~ukw/ f~ t~k-golcmw oclncocrs/ ofww lib ofwwlbj{wrmkir ~kwk~ukw/ f~ tfwr golcmw oclncocrs/ lib frhk~)

[ikl~ikb t~kmc{mw l~k rhk tf~rcfi fe rhk t~kmc{m rhlr gf~~kwtfibwrf rhk {ikxtc~kb tl~r fe rhk tfocgs tk~cfb) T~kmc{mw hluk ifr nkkie{oos .kl~ikb. ns rhk ciw{~ligk gfmtlis {irco rhk tfocgs kxtc~kw) Cirhkf~s/ rhk {ikl~ikb t~kmc{m ~kwk~uk ~kt~kwkirw rhk lmf{ir rhlr rhkgfmtlis pf{ob fpk loo crw tfocgshfobk~w ef~ gfuk~l`k ifr skr t~fucbkbce fik bls rhk gfmtlis w{bbkios pkir f{r fe n{wcikww) Ce l tfocgs cwgligkokb nkef~k cr kxtc~kw/ tl~r fe rhk f~c`cilo t~kmc{m tlsmkir m{wrnk ~kr{~ikb rf rhk tfocgshfobk~)

Ofww ~kwk~ukw l~k fnoc`lrcfiw rhlr li ciw{~ligk gfmtlis hlw cig{~~kbb{k rf golcmw ecokb {ibk~ rhk tfocgckw cr hlw cww{kb) Ofww lbj{wrmkir~kwk~ukw l~k e{ibw wkr lwcbk rf tls ef~ golcmw lbj{wrk~w/ ok`lo

lwwcwrligk/ ciukwrc`lrf~w lib frhk~ kxtkiwkw lwwfgclrkb pcrh wkrroci`golcmw) T~ftk~rs&glw{lors ciw{~k~w fios wkr {t ~kwk~ukw ef~ lggcbkirwlib frhk~ kukirw rhlr hluk hlttkikb)

Wfmk golcmw/ ocak ec~k ofwwkw/ l~k klwcos kwrcmlrkb lib |{cgaos wkrrokb)N{r frhk~w/ w{gh lw t~fb{gr oclncocrs lib wfmk pf~ak~w gfmtkiwlrcfigolcmw/ mls nk wkrrokb ofi` lerk~ rhk tfocgs hlw kxtc~kb) Rhk mfwrbceecg{or rf lwwkww l~k ofww ~kwk~ukw ef~ kukirw rhlr hluk lo~klbshlttkikb n{r hluk ifr nkki ~ktf~rkb rf rhk ciw{~ligk gfmtlis/aifpi lw cig{~~kb n{r ifr ~ktf~rkb (CNI^#) Kxlmtokw fe CNI^ ofwwkw

l~k glwkw phk~k pf~ak~w cihlokb lwnkwrfw ecnk~w n{r bcb ifr ecok lgolcm {irco rhkc~ cooikww plw bcl`ifwkb >4 f~ 74 skl~w olrk~)

Lgr{l~clo kwrcmlrkw fe rhk lmf{irw rhlr pcoo nk tlcb fi f{rwrlibci`golcmw m{wr nk mlbk wf rhlr t~fecr fi rhk n{wcikww gli nk glog{olrkb)Ciw{~k~w kwrcmlrk golcmw gfwrw/ cigo{bci` CNI^ golcmw/ nlwkb fi rhkc~kxtk~ckigk) ^kwk~ukw l~k lbj{wrkb/ pcrh l gf~~kwtfibci` cmtlgr fikl~ici`w/ ci w{nwk|{kir skl~w lw klgh glwk bkukoftw lib mf~k bkrlcow


5/11

nkgfmk aifpi)^kuki{kw/ Kxtkiwkw lib T~fecrw: T~fecrw l~cwk e~fm ciw{~ligkgfmtlis ftk~lrcfiw ({ibk~p~crci` ~kw{orw# lib ciukwrmkir ~kw{orw n{rrhk olrrk~ l~k `kik~loos l wmloo tl~r fe t~ftk~rs&glw{lors ciw{~ligkgfmtlis t~fecrw)

Tfocgshfobk~ t~kmc{mw l~k li ciw{~k~'w mlci ~kuki{k wf{~gk) [ibk~WLT/ phki l tfocgs cw cww{kb/ rhk t~k-golcm oclncocrs f~ {ikl~ikbt~kmc{m cw k|{lo rf rhk p~crrki t~kmc{m) (P~crrki t~kmc{mw l~k rhkt~kmc{mw ghl~`kb ef~ gfuk~l`k {ibk~ tfocgckw p~crrki ~k`l~bokww fephkrhk~ rhks hluk nkki gfookgrkb f~ .kl~ikb).#

T~kmc{mw l~k r~klrkb lw bkek~~kb ~kuki{kw lib cig~klwk rhk {ikl~ikbt~kmc{m ~kwk~uk) T~kmc{mw l~k kl~ikb fi l t~f-~lrl nlwcw lwgfuk~l`k cw t~fucbkb fuk~ rhk tfocgs tk~cfb)

[ibk~ @LLT/ tfocgs lg|{cwcrcfi kxtkiwkw/ w{gh lw l`kir gfmmcwwcfiw/l~k bkek~~kb fi l t~f-~lrl nlwcw ci ocik pcrh @LLT'w mlrghci` t~cigctok)Rhcw t~cigctok wrlrkw rhlr ci bkrk~mcici` cigfmk ef~ l `cuki tk~cfb/kxtkiwkw m{wr nk mlrghkb rf ~kuki{kw) Lw l ~kw{or/ {ibk~ @LLT (liblww{mci` ofwwkw lib frhk~ kxtkiwkw l~k gfirkmtolrkb lw kxtk~ckigkbci rhk ~lrk lttockb rf glog{olrk rhk t~kmc{m# t~fecr cw `kik~lrkbwrklbcos rh~f{`hf{r rhk b{~lrcfi fe rhk gfir~lgr) Ci gfir~lwr/ {ibk~WLT/ kxtkiwkw lib ~kuki{kw l~k bkocnk~lrkos mcwmlrghkb) Kxtkiwkwlwwfgclrkb pcrh rhk lg|{cwcrcfi fe rhk tfocgs l~k ghl~`kb ci e{oo lw wffilw rhk tfocgs cw cww{kb) Gfiwk|{kiros/ rhk tfocgs t~fb{gkw l wmlook~

t~fecr cicrcloos n{r fik rhlr `~fpw rh~f{`hf{r rhk tfocgs tk~cfb)

WLT mcwmlrghkw rhk rcmci` fe ~kuki{kw lib lg|{cwcrcfi kxtkiwkw rfkihligk rhk ocakochffb fe rhk ciw{~k~'w wfoukigs) Ns ~kgf`iczci`lg|{cwcrcfi kxtkiwkw nkef~k rhk cigfmk `kik~lrkb ns rhkm cw kl~ikb/WLT ef~gkw li ciw{~ligk gfmtlis rf eciligk rhfwk kxtkiwkw e~fm crwtfocgshfobk~ w{~to{w) Rhcw lttkl~w rf ~kb{gk rhk w{~to{w lulcolnok rftls {ikxtkgrkb golcmw) Ci keekgr/ rhcw lggf{irci` r~klrmkir ~k|{c~kwli ciw{~k~ rf hluk l ol~`k~ wlekrs ml~`ci rf nk lnok rf e{oecoo crwfnoc`lrcfi rf tfocgshfobk~w)

Rhk CLWN T~ftfwlo ef~ Cirk~ilrcfilo Ciw{~ligk Lggf{irci`

Wrlibl~bw: CLWN'w lcm ci g~klrci` ikp lggf{irci` wrlibl~bw ef~ rhkciw{~ligk cib{wr~s cw rf elgcocrlrk rhk {ibk~wrlibci` fe ciw{~k~w'eciligclo wrlrkmkirw) [irco ~kgkiros/ ciw{~ligk gfir~lgrw hlb nkkikxgo{bkb e~fm rhk wgftk fe cirk~ilrcfilo eciligclo ~ktf~rci` wrlibl~bw/ci tl~r nkgl{wk lggf{irci` t~lgrcgkw ef~ ciw{~ligk ferki bceek~w{nwrlircloos e~fm rhfwk ci frhk~ wkgrf~w/ nfrh nliaci` lib frhk~


6/11

eciligclo wk~ucgkw lib ifieciligclo n{wcikwwkw/ lib e~fm gf{ir~s rfgf{ir~s)Rhk CLWN toli bcucbkb rhk ciw{~ligk t~fjkgr cirf rpf thlwkw wf rhlrwfmk nlwcg cmt~fukmkirw ci ciw{~ligk gfir~lgrw gf{ob nkcmtokmkirkb |{cgaos) Rhk ec~wr thlwk rf kihligk r~liwtl~kigs lib

gfmtl~lncocrs plw gfmtokrkb ci >442 pcrh rhk t{nocglrcfi feCirk~ilrcfilo Eciligclo ^ktf~rci` Wrlibl~bw 2/ Ciw{~ligk Gfir~lgrw)Lorhf{`h rhkwk wrlibl~bw pk~k lbftrkb ns rhk K{~ftkli [icfi ci>44;/ rhks hluk skr rf nk l`~kkb rf ns ELWN) Rhk wkgfib thlwk cwifp {ibk~pls pcrh fttf~r{icrckw ef~ gfmmkirw lw rhk pf~at~f`~kwwkw)Ciw{~k~w' Gfigk~iw: Rhkwk gfigk~iw gkirk~ fi rhk CLWN .kxcr ulo{k.ltt~flgh rf ulo{ci` oclncocrckw) CLWN bkecikw kxcr ulo{k lw .rhk lmf{irrhk ciw{~k~ pf{ob kxtkgr rf tls lr rhk ~ktf~rci` blrk rf r~liwek~ crw~kmlcici` gfir~lgr{lo ~c`hrw lib fnoc`lrcfiw cmmkbclrkos rf lifrhk~kircrs/. lib w{``kwrw rhlr ciw{~k~w mklw{~k rhkc~ g{~~kir oclncocrckw{wci` rh~kk .n{cobci` nofgaw/. phcgh rf`krhk~ gfiwrcr{rk rhk kxcr ulo{kltt~flgh) Rhk rh~kk n{cobci` nofgaw ~kt~kwkir g{~~kir kwrcmlrkw feoclncocrckw/ cigo{bci` ofww ~kwk~ukw lib {ikl~ikb t~kmc{mw ~kwk~ukw1 lbcwgf{ir ef~ rhk rcmk ulo{k fe mfiks/ mklici` rhlr rhk gfmtlis glikl~i ciukwrmkir cigfmk fi rhk ~kwk~ukw {irco rhks hluk rf nk tlcb f{rlr wfmk rcmk ci rhk e{r{~k1 lib l .~cwa ml~`ci/. phcgh rlakw cirflggf{ir rhk {igk~rlcirs fe rhk e{r{~k f{rgfmk fe rhk n{wcikww lib rhktfwwcncocrs rhlr rhk wkook~ mls ikkb rf t~fucbk lwwcwrligk rf rhk n{sk~)

Kxcr ulo{k bfkw ifr ~keokgr ~klocrs: Rhk kxcr ulo{k gfigktr cw hc`hos

rhkf~krcglo) Cr cw nlwkb fi rhk ifrcfi rhlr rhk~k cw l wkgfibl~s ml~akrlib l ~koclnok t~cgk ef~ ciw{~ligk tfocgckw/ lw rhk~k l~k ef~ wkg{~crckw feul~cf{w acibw/ lib rhlr/ rhk~kef~k/ l t~fecr f~ ofww gli nk glog{olrkbcmmkbclrkos lerk~ rhk tfocgs hlw nkki cww{kb) Hfpkuk~/ ci ~klocrs/ w{ghl r~liwek~ fe oclncocrckw pf{ob uc~r{loos ikuk~ fgg{~/ tl~rcg{ol~os ci rhkglwk fe t~ftk~rs&glw{lors ciw{~ligk gfir~lgrw)

Pcrhf{r l ~fn{wr wkgfibl~s ml~akr/ rhk fios pls rf ulo{k oclncocrckw cwrf g~klrk l mfbko rf ~kt~kwkir w{gh l ml~akr) Rhcw pf{ob kirlcomfbkoci` glwh eofp tlrrk~iw ef~ loo tfrkirclo wgkil~cfw/ kwrlnocwhci`

bcwgf{ir elgrf~w rf glog{olrk t~kwkir ulo{k lib wkrrci` ~cwa ml~`ciw rfgfmtkiwlrk ef~ rhk {igk~rlcirs fe ~kw{orw lw kiucwl`kb ns rhk CLWNmfbko) Pcrh cit{rw lib lww{mtrcfiw rhlr l~k ifr cibktkibkirosuk~ceclnok/ rhk CLWN mfbko cw ocakos rf t~fb{gk f{rgfmkw rhlr l~kbceek~kir e~fm rhk ~klocrs fe rhk ciw{~ligk r~liwlgrcfi)

Rhcw cw tl~rcg{ol~os r~{k ef~ ciw{~k~w rhlr gfuk~ ~l~k (ofp e~k|{kigs# n{rtfrkircloos bkulwrlrci` (hc`h wkuk~crs# ~cwaw/ phk~k rhk ~li`k fe


7/11

tfrkirclo f{rgfmkw cw kif~mf{w lib bceecg{or rf t~kbcgr lib phk~k rhkrcmci` fe glwh eofpw bktkibw fi mlis ul~clnokw cigo{bci` ok`lot~fgkkbci`w phcgh gli nk b~l``kb f{r ef~ skl~w) Rhk w{njkgrcucrs ferhk kwrcmlrkw glog{olrkb ci rhcw mliik~ lib rhk tfwwcncocrs fe k~~f~w cwmf~k ocakos rf cmtlc~ ~lrhk~ rhli kihligk rhk {ibk~wrliblncocrs lib

gfmtl~lncocrs fe eciligclo wrlrkmkirw) Lw ~kgkir kxtk~ckigk mf~r`l`k-nlgakb wkg{~crckw cigo{bci` w{nt~cmk ofliw whfpw/ mfbkow gli nkp~fi`)

Rhk ufolrcocrs lib gfmtokxcrs fe rhk kxcr ulo{k ltt~flgh gf{ob

okwwki ciukwrf~w' cirk~kwr ci wfmk ciw{~ligk gfmtlickw:T~ftk~rs&glw{lors ciw{~k~w' eciligclo ~kw{orw ilr{~loos ul~s w{nwrlircloose~fm fik skl~ rf rhk ikxr/ bktkibci` fi rhk i{mnk~ lib wkuk~crs feilr{~lo lib mli-mlbk bcwlwrk~w lib rhk okuko lib f{rgfmk feocrc`lrcfi/ lmfi` frhk~ rhci`w) Mlis bceek~kir elgrf~w gf{ob lbb kxr~lufolrcocrs/ cigo{bci` ghli`kw ci rhk cirk~kwr ~lrkw wkokgrkb ef~bcwgf{irci` lib ~cwa ml~`ciw) L~rcecgclo ufolrcocrs gf{ob lowf gfmk e~fmloo rhk ul~cf{w lww{mtrcfiw ciw{~k~w l~k ef~gkb rf mlak lnf{r hfprhkc~ n{wcikww pcoo bkukoft fuk~ rcmk) Wfmk ciw{~k~w pcoo nk ef~gkb rflbb ufo{mcif{w ifrkw rf rhkc~ eciligclo wrlrkmkirw rf kxtolci rhkc~lww{mtrcfiw lib cit{rw rf rhkc~ mfbko/ blmtkici` rhk kirh{wclwm fewfmk tfrkirclo ciukwrf~w phf pcoo nk t{r fee ns rhk bceecg{ors fepkc`hci` rhk cmtf~r fe klgh ifrk) Lw l ~kw{or/ wfmk gfmtlickw ekl~ crpcoo nk hl~bk~ rf ~lcwk mfiks) Ce rhks hluk rf tls mf~k rf kircgkciukwrf~w/ rhkc~ gfwr fe gltcrlo pcoo cig~klwk phcgh ci r{~i pcoo oklb rfhc`hk~ ciw{~ligk t~cgkw)

Rhk kxcr ulo{k ltt~flgh lib rhk ikkb rf wlrcwes mlisgfiwrcr{kigckw mls ef~gk gfmtlickw rf ~kuklo rff mlis bkrlcow

fe rhk rhkc~ n{wcikww: Gfmtlickw pcrh l gfmtokx n{wcikww mfbkorhlr ~k|{c~kw rhkm rf ~kuklo lib kxtolci t~ft~ckrl~s cief~mlrcfi mlsecib rhlr gfmtkrcrf~w nkikecr e~fm rhcw cief~mlrcfi f~ rhlr cwmcw{ibk~wrffb ns ~klbk~w fe rhkc~ eciligclo wrlrkmkirw)

.Eckob Rkwr. ikkbkb: Ciw{~k~w ifrk rhlr rhk CLWN crwkoe plw wtocr cicrw ltt~fulo fe rhk kxcr ulo{k gfigktr/ ufrci` 0-5 rf lggktr cr pcrh fik

lnwrkircfi) Wfmk ciw{~k~w w{``kwr rhlr rhk ltt~flgh nk `cuki l b~s~{i rf rkwr crw lggktrlncocrs nkef~k cr cw ef~mloos lbftrkb) L eckob rkwr/phk~k gfmtlickw lgr{loos ecokb eciligclo wrlrkmkirw {wci` rhk kxcrulo{k ltt~flgh/ pf{ob bkrk~mcik phkrhk~ rhk ikp ltt~flgh g~klrkw{icirkibkb f~ {i~kt~kwkirlrcuk ~kw{orw/ phkrhk~ rhks gli nk ~koclnosl{bcrkb/ phkrhk~ rhk ltt~flgh cw kxtkiwcuk f~ {i~klwfilnos bceecg{or rfcmtokmkir lib phkrhk~ rhk~k l~k lmnc`{crckw rhlr mc`hr t~fb{gk


8/11

cigfiwcwrkir cirk~t~krlrcfiw fe bkwc~kb t~lgrcgkw e~fm fik gfmtlis rflifrhk~)


9/11

CIRK^ILRCFILO RK^^F^CWM CIW[^LIGK TFOCGS

Rk~~f~cwm ciw{~ligk cw ciw{~ligk t{~ghlwkb ns t~ftk~rs fpik~w rfgfuk~ rhkc~ tfrkirclo ofwwkw lib oclncocrckw rhlr mc`hr fgg{~ b{k rf

rk~~f~cwr lgrcucrckw)

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10/11

pf{ob wk~uk rpf e{igrcfiw: rf kwrlnocwh ~{okw rf fuk~gfmk rhk gltlgcrs

whf~rl`k lib rf nk rhk ciw{~k~ fe olwr ~kwf~r)

G~cwcw Mlil`kmkir

G~cwcw mlil`kmkir toliici` gli wluk ol~`k lmf{irw mfiks ci rhkofi` ~{i) Lggf~bci` rf kxtk~rw/ ef~ kuk~s bfool~ wtkir fi bkukoftci`g~cwcw mlil`kmkir toli lhklb fe rcmk/ "0 cw wlukb ci ofwwkw phki lbcwlwrk~ gfmkw)

Ikrhk~olibw

Ciw{~ligk tlsmkirw ~kolrkb rf rk~~f~cwm l~k ~kwr~cgrkb rf l ncoocfi k{~ftk~ skl~ ef~ loo ciw{~ligk gfmtlickw rf`krhk~) Rhcw ~k`l~bw t~ftk~rs

ciw{~ligk/ n{r lowf ocek ciw{~ligk/ mkbcglo ciw{~ligk/ krg)

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Rhk Ikp Sf~a Rcmkw ~ktf~rw rhlr ci Nl`hblb tk~wfilo rk~~f~cwmciw{~ligk cw lulcolnok) Fik gfmtlis feek~w w{gh ciw{~ligk ef~ "34/lib ce rhk g{wrfmk~ cw l ucgrcm fe rk~~f~cwm ci rhk ikxr skl~/ cr tlsw

rhk hkc~w "7/;44)

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Ci rhk [A/ efoofpci` rhk Nlorcg Kxghli`k nfmn ci / loo [A ciw{~k~w

wrfttkb cigo{bci` rk~~f~cwm gfuk~ fi rhkc~ gfmmk~gclo ciw{~ligktfocgckw pcrh keekgr e~fm


11/11

@k~mlisCw~lkoIlmcnclIkrhk~olibw^{wwcl

Wf{rh Le~cglWtlciWpcrzk~olibR{~aks[icrkb Aci`bfm

Ciw{~ligk G~kbcr Wgf~k:Li ciw{~ligk g~kbcr wgf~k cw l i{mnk~ rhlr cw bkrk~mcikb ns offaci` lrgk~rlci lwtkgrw fe li cibcucb{lo'w g~kbcr hcwrf~s) Rhcw i{mnk~ cwt~fucbkb rf ciw{~ligk gfmtlickw ns l g~kbcr kulo{lrcfi wk~ucgk)Ciw{~ligk gfmtlickw rhki {wk rhcw i{mnk~ lw fik fe mlis elgrf~wrhlr bkrk~mcik rhk ~lrkw l tfocgshfobk~ cw ghl~`kb) Wrlrcwrcgw hlukwhfpi rhlr ciw{~ligk wgf~kw l~k li lgg{~lrk rffo rf hkot t~kbcgr rhklmf{ir fe golcmw rhlr l tfocgshfobk~ pcoo ecok)

^KWCB[LO ML^AKR: Rhk ~kwcb{lo ml~akr gfiwcwrw fe elgcocrckw rft~fucbk gfuk~l`k ef~ gfiw{mk~w f~ n{wcikwwkw rhlr gliifr t{~ghlwkciw{~ligk ci rhk ~k`{ol~ ml~akr) Wfmk kxlmtokw fe ~kwcb{lo ml~akrelgcocrckw l~k Lwwc`ikb ^cwa Toliw/ Jfcir [ibk~p~crci` L`~kkmkirw/ lib

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