niAcrasi rrepBr.rHHr,rx 6yxranrepcbKr.rx 4oryueurin (iHneHtapH]rx KaproK o6nixy ocHoBHI4x

raco6in, nnarixHnx Br{Mor, paxyHxin-QaKTyp, HaKnaAHax, po3nopr.er(eHb npo nnyrpiurueuepeuiqennx 3acrpaxoBaHoro v,aitua, KHLII sanuurxis roBapHo-MarepialrHllx uiHuocrefr),inn eHrapus aqifi nux garnnris HeBI,IKopI4craHIrx rraarepianin.

8.3. CrpaxoBI{K Ma€ rlpaBo:8.3.1. flporxroru replriuy no3oBHoi .qaeHocri, Br{3HaqeHoro 3aKoHo.qaBcrBoM VxpaiHu, 3 AHt

rrpoBe.4eHHrr crpaxonoi Br4nJrarr.r BlrMararI4 ii nonepHeHHt, tKIIIo Ha re BI4HI,IKHyrb niActanu,nepe46aueni qzHHurvr 3aKoHo.qaBcrBoM YrpaiHI,I a6o yrtonalta,{oronopy crpaxyBaHHs;

8.3.2. fleperipxru 4ocroripHicrs HaAaHr.{x fionay CrpaxynanbHrrKoM ni4onocrefr raBrlM ararrr n i4 CrpaxynilnbHllKa BI,IKoHaHHTI yraon,{oroBopy crp axyB aHH.a ;

8.3.3. flposo4vrrkr eKcneprlr3y o6'erty, xrufr 6eperbct Ha crpaxyBaHH-f,;

8.3.4. flepenipxru Aorpr{MaHHr HopM :rexHixr.r 6e3nexu, rexnororii nupo6ur.rqrsa s 'racuani:a6esle.regus 6egnexn nvrpo6nuqrna, isurr.Ix BcraHoBJIeHlrx uopuaruniB Ta BnacHHX

p o 3 n op.f, Axr eHb, a raKoxr npanunrHicm non i.qolrJleHI4 x Crp axyn a-rrbHLIKoM r aHI{x ;

8.3.5. Po6ura AoAamoni 3anvtrv npo nigonrocri, non'ssaHi 3 crpaxoBtrM BvrnailKoM, ytrpaBooxoponui opraHr4, opraHa rro)KexHoro HarJlt,qy, MeALIqHi ycraHonv. inlri opraHi:aqii, xri\{o)Kyrb rr.rar:u in$ oprtr aqiro np o o 6cranil HLI crp axoBoro BI'Ila,4Ky;

8.3.6. Bi.qnaoearu y crpaxosifi nunnari eilnoeiAHo 4o pos4iny 13 qprx flpaaun;8.3.7. flpu naxnnocri cywninis s niAcraBax .unr gAiitcrreun-q crpaxonoi BHrIJIarI4, ni4crpovuru

u .uo oTpr.rMaHH.f, rn.uTBepAlI(eHHt IIux nLqcTaB ;

8.3.8. Ha sHeceHus sN{iH a6o rononHeHb .uo yrrron,{oroBopy crpaxyBaHHt 3a

:rilno 3 yMoBaMLI pos4iny 14 qzx flpanzn8.3.9. Ha 4octpoKoBe rlpilnvHeHHt ,{oronopy crpaxyBaHH.f, sri.uHo 3 }MoBaMI4

flpanan.8.3.10. flporxroiu nepiogy 4ii [oronopy crpaxyBaHHr nepenip.aru ctaH o6'exra, B3qroro Ha

cTpaxyBaHHs;8.3.11. 3a noroAxeHnsNa si CrpaxyranbHraKoM nepe,qarrr npaBo :AificHeHH.fl Hafn,xAy ra

irrcnerqii o6'eKTa, B3rroro Ha crpaxyBaHHt, iuuruiu opraHisaqixlr,t, xri Malorb rlpaBo sAificHroearN

rarr,rfi HafJIt,II.

8.4. CrpaxoBrrK sodon'sgaHufi :

8.4.1. OsuafioNauru CrpaxyraJrbHrrKa 3 )'I{oBaMLI ra llpanunaMrr crpax}tsaHH.t;

8.4.2. flporxrorrl 4nox po6ouux 4uin, sr rimxu eiH .qisHaerbcr npo HacraHH.f, crpaxoBoroBrrrraAKy, BxolTr.r gaxo.qis 4nx o(foprraJreuHt ecix Heo6xiAurlx 4oxynaeHriB An.s cBoeqacHoi gunrarucrp axoBof o eiAIxxoAyBaHHt CrpaxynalbHl{Ky;

8.4.3. flpu uacraHHi crpaxoBoro Blrrra4ry s4ificHvrrv Bnrrrra'ry crpaxoBoro ni4ruxo.ry/BaHH-s ynepeg6a.renufi ,{oroBopoM repuin. Crpaxonux nece ltafrnoey ni4noni.qalruicrb 3a HecBo€rlacHe

s,4ifrcHeHH-fl crpaxonoi Bvrnrrarv (crpaxonoro ei.4[rxo.qyBannx) IxntxoM cnJIarLI CrpaxynanbHuKy

neycrofiru (mrpa$y, ueHi), po:uip gxoi srgHaqaerbct yMoBaMI'I,{oronopy crpax}tsaHHt;8.4.4. Bi4urxo4yrarr.r Br.rrparr4, rroHeceHi CrpaxyBaJIbHLIKoM npu uacraHHi crpaxoBoro

BrrrraAKy,4n.s gano6iraHHfl a6o :uemueuHs s6arrie, sruo ue uepeA6aqeHo )MoBaMu r{oronopy;8.4.5. 3a gasnoro CrpaxyeanbHrrKa y pa3i sAificneHn.f, Hr.rM 3axoAin, rqo 3MeHIITHJII{ crpaxonuff

pu3r.rK, a6o s6imueHHs Baprocri uafrsa repeyxnacrll3 HHM loronip crpaxyBaHHt;8.4.6. Tprarraarr{ B raeusuqi si.{oN{ocri npo CrpaxyBanbHr,rKa i fioro rraafrHoel'Ifr craH, 3a

BrrHfrKoM nrana4xin, uepe46aveulrx 3aKoHoAaBcrBoM Yrpainu.8.5. YNloeaMr,r .qoroBopy crpaxyBaHHr Mox(yrb 61"rn nepeA6a.IeHi raKox( iuui npana ra

o6os"r3Ku Crpaxonura ra Crpax)tsirnbHr{Ka, rlo He cyfieperrarb 3aKoHoAaBcrny VxpaiHI{ Ta qHM

flpanunan.8.6. Croponra go6on'sgani ceoe.racno uoeiAoMJrrrr.r oAHa o.qHy npo:rraiuy a4pecv,6asxincmNx

pexli:urin, uepe46a.ryBaHy srraiHy nracuocti, upo iHrui 3Ir.tiulto IIIo Moxyrb BTIILIH)'TI{ Ha BI{KoHaHHt

Cropouauu o6os'ssris griAso [oronopy crpaxyBaHHt.

3foAoro Cropiu

pos4iny 15 qux

1t

9. ff CTPAXYBAJIbTTIIKA (BITIOAOTTAEyBATIA)

v PA3r TTACTAHT{fl CTPAXOBO|O BI4IrA4tv

9.1. y pa3i HacraHHJr crpaxoBofo Burra.uKy, Crpaxyealruux (BuroAoHa6yBar{) nonuueH:

9.1.1. floniAonruru Crpaxoer{Ka rpo HacraHHr crpaxoBoro BrrnaAKy rporflroM rpbox po6ovux

.uris s MoMeHTy Hacraunr crpaxoBofo BHlaAKy, tKIIro inure ne nepe46aueHo )MoBaMIa .{oronopycrpaxyBagH.fl. Y pasi nelaoxnueocri sAiftcHeHHs IIux saxoAie CrpaxynanbHIrKoM, nosiAol\aurpl

Crpaxonura 11po HacraHHr crpaxoBoro BLrna.{Ky Moxe BvroAona6yeau (cna4roelr,rui Crpaxy'nalbHllKa

:a:arouo*l).g.I.2. flpufrHaua eci Nroxnrni saxogra qono sano6iraHH s a6o 3MeHIrIeHHs g6zrtcis i pxry'nauHx

3aCTpaxOBaHOrO rraafina. -frutO BvIflBPITbCA MOI{JII{BIIM, CrpaxynaJIbHIIK IIOBI'{HeH 3arIpocI4TI'{ y

Crpaxonraxa iucrpyr<uii, uloAo csoix aifi s qifi craryaqii.

9.1.3. HaAaru Crpaxonury a6o fioro rpeAcraBHVKaM MoxulHsicm npoBoALIrIr orlsA a6o

odcrexessr no[rKoAxeHoro uafiua, poacli4ynaHHt crpaxoBoro BI4naAKy i e]'lgFlaqeHHx posrvripy

:5nrry, 6patuyqacrb y 3axoAax ruoAo 3MeHIrIeHHx a6urxy i npxryeaHHt 3acrpaxoBaHofo vaima.g.I.4.3a em\aororo CrpaxonvrKa:rra1arLr rcro iHrfopnaaqiro, neo6xi4ny.4nt Bu3HaqenHx po:uipy

i npu.runx [oruKoA]I(eur a6o 3HurrIeHHs 3acrpaxoBaHoro uafina.9.1.5. V euna4ry 3HrrrrleHH.f, a6o nouxoAl(eHHq 3acrpaxoBanoro uafiua Hal.arv Crpaxonurcy

o1prc rorrrKo.ulKeHoro, 3Hr,ruleHofo a6o nrpa.reHoro Irrafina n repuiull, y3foAx{eui s CrpaxoBI'IKoM' aJIe

ne uisHiue o.{Horo uicxqr 3 AHr HacraHH.u crpaxoBofo BIrnaAKy. Onnc cKnaAaerbcs is sa:uaqeHHtM

naprocri [orxKoA]r(esoro a6o 3HurrleHoro IrlafiHa nuacli4or crpaxoBoro BpIrIaIKy. Bnrparu Ha

cxJra.qaHHt onucy uece Crp axyB iInbHHK (B uro.qona6ye au).

9.l.6.36eperru [orrrKoAxene uafiso B ToMy craHi, B tKoMy BoHo 3ilnulxl4Jlocb rIlcJIt HacraHHt

crpaxoBoro Br{naAKy i, npu Mo}ollaBocri, ctfororpa$yraru fioro.Crpaxyeanruux (Bnro.qoHa6yeau) naae rpaBo gNrinrcsaru o6craHosxy rqo.qo po3ralx)tsaHH{

rrafiHa niCns crpaxoBoro B[[aAKy, rilrnu BLIXoIsqll i: vipryeaHr 6esnextl i s]ueHrueHHr posr'ripin

:6utrie, ra rinsru 3a 3ro.qorc Crpaxonura.9.2. CrpaxyranrHur noBr,rHeH uelafiHo, .f,r rirrrxlr fiolty craHe eiAoNao rpo HacraHHt

crpaxoBoro Br,rrraAKy, cnosicrurra npo qe KoMIIereHTni opraHu (uoxexny oxopoHy, npanooxopouui

opianu;. Y nr,rna4xy HeBlrKoHaHHx CrpaxyniIJIbHHKoM a6o BzroAoHa6yeauerra qiei )rMoBH, Crpaxonur

="io"""at""r sia go6oe'.flgaHH.f, BrrrrJrarrrrr{ crpaxoBe ni4uro4yaaHHN, tKIIIo qe uepeg6a'reno

yr!{oBaMrr ,{oronopy.9.3. y pa:i Heo6xi.qnocri Crpaxyranruar (Buro4ona6yeav) so6on'maHzfr 4o:noll4rl'I ofJlt4

3Hr,rqeHoro a6o nomroAx(eHoro vrait:aa oco6i, [pl,I3HaueHlit au.Ilboro CrpaxonuroM, a raKox Ij.a4?Irkr

Crpaxonuxy a6o fioro rpeAcraBHr,rKaM Ant nepenipru nci 6yxra.nrepcrri KHI{II4, pax}rlKll, uaxlaAni fi

inrui 4oryrrregrpr a6o ix gacni,q.reui xonii, rKrIIo AoKyMeHTn 6ynu nrpaveui, i gosnolxrz po6rlrl4 3 HI4x

ronii ra Br{rrr{cKrr, sri ruarom 6ym nanexnuM qHHoM :aeipeni CrpaxyeanbHl4KoM (BuroAona6ynaueu).

L0. ITEPEJIIK .{OKyMEHTTB, rrIO rrrATBEPAXtvrOTb HACTAHHT{CTPAXOBOTO BTITIA,IIKY TA PO3MI,IP 3EI,ITKY

10.1. Ans orpraMaHH-fl crpaxoBoro ni4ruro4yrnaHHx Crpaxyranrunr (Buro.qoHa6yeau)

rroBr{HeH Ha1arv Crp axonuxy mri AoKyI{eHTr'I :

10.1.1. fLacruory 3arBy Ha Br.rrrJraTy crpaxoBoro ei.4ruxoAyBaHHfl;

I0.I.2..{oronip crpaxyBaHss a6o crpaxonufi noric, srrfi cei.4.rl{rb npo tparr yrnaAeHH.s

.{o ro n opy crpaxyBaHHt ;10.1.3. Axru,.qosiArra ra inrni AoKyMeHTlr 3 KoMTeTeHTHLIX oprauie (clilqux oprauin,

opranin nuyrpirunix cnpaB, cyAy, npoKyparypn rorqo), sri csiAqars rtpo $am HacraHH{

crpaxoBofo BHrIa.qKy ra fioro rpuquHu, posuipn s6urxy;I0.2.HanucrNrosuft 3alrdr Crpaxonura, Ao.{arKoBo Mo)I(ytb 61"ru npegcrasreHi:

T2

t1.Z.I. flepenir rorxKoA)KeHoro, 3ur.rrqeHofo uaftua ig 3a3HaqeHHtM fioro naprocri Ta

crpaxoBHx cyM;LO.Z.2. Heo6xilHi AoKyrueuTr.r, nlo niArsep.4x(ylorb napricu vrailnta (rnuraHqii, BI{III{cKH 3

iuneurapHzx KHHr, paxyHKH, uaxlagHi na npu46aHe rvrafiHo);

|O.Z.Z. ,{oxyrraenrz, xri cni4.rarb rrpo npoee4eni ra (a6o) neo6xiaHi BI'IrparI'I Ha peMoHr

(ri4HonneHnx) uafina, -rKe nocrpilKAaJlo;t0.2.4. ,{oryueHTz, rqo ni4rnep4xyrorb ornary BHTpar no 3MeHlxeHnro s6zrKis;

IO.Z.5. [oryweHrra, IIIo niArsepAxyrorb oco6y, o.4epx(yBarla crpaxoBoro siAuroAyBaHHfl:

10.2.6. Inuri 4ory1aenru a6o ni4olrocri, neo6xilni 4nx s'xcyeaHHs o6craBr{H crpaxoBofo

BrrlaAKy.10.3. Brrqegasuaqegi AoKyMenrlr Crpaxynanrnr.rx (Bnro4ona6ynau) no4ae Crpaxonury B crpoK

o6yuonneHufi n .{oroanopi crpaxysauHrr, rrpore ne nisuiIrre ruicrAec.sru poSo'rux fflie : .{IUI HacraHHt

crpaxoBoro BI{naAKy.

- 11. flop.flAoK I yMOBI4 Br4fIJrATr4 CTPAXOBOIO BIAIIIKOAyBAHH.flI

11.1. flicnfl orpr,rMaHHs AoKyMeurin, nu3HaqeHLIX y pos4ini 10 qux flparun, Crpaxoeur

sgiftcuroe Br4rrnaTy cTpaxoBoro siAuKoAyBaHHt 3 ypaxyBaHH.f,M yMOB po3Ainy 3 qlrx llpanun.

Crpaxone ni4urxo4ynaHHr Br.rrrJraqy€Tbcs B crpoK ne 6inrne rt".f,THaAII{ru po6ovr'Ix IHie 3 AH-s

,rp"fi""tt" pirueuHx rtpo crpaxoBy Br.rrlJlary, tKIrIo iuure He nepeg6aveuo n ,{oronopicTpaxyBaHHt, Ha niAcrasi cTpaxoBoro aKTy, srcuft cKJIaAaeTbct Crpaxonurou a6o

yrroB'oBaxeHoro uurra oco6oro, rorinxoro a6o 6esroriexoBl'rM po3paxyHKoM. (Dopn'la BHnJIaTI'I

cTp axoBoro n iAur roAyBaHHf Br{3Haqa€Ts c-a,{oron op oM cTp axyB aHHt.

1I.2. [neM BrrnJraTr.r cTpaxoBofo ni4urxo4ynaHHt BBaXa€Tbc.[ ,qeHb crlucaHH{ KoITITIB 3

roroqHof o paxyHKy CrPaxonuxa.11.3-. Crpaxona BrrrrJrara Mox(e 6yru sAificueHa rpeAcraBHI'IKy CrpaxynalbHl'{Ka

(Buro4oHa6ynaua) uo 4onipenocri, otpopnaneuifi B ycraHoBneHoMy 3aKoHoAaBcrBoM rloptAKy.

II.4. 3a Kol(Hy Ao6y sarpuMKr.r crpaxoBoro ni4uKo4ynaHr CrpaxyBaJlbHt4Ky Brnnaqyerbct

Heycrofira (11rrpas, nenx), po:rraip sroi eugHa.IaeTbct y,{oronopi crpaxynaHHx.

11.5. CrpaxoBr.rK Mae npaBo siArracrr Brrrnary crpaxoBoro ei.4lxro.qyBaHHt Ao roro qacy,

AOKr.r He 6yayrr naAaHi eci ueo6xi.4Hi AOxagr.r, B TaKI,Ix BI.IIIaAKaX:

11.5.1. flrqo siH Mae cyrrlHinu n npanouipnocri BI4Mor CrpaxynalbHl'IKa Ha orpHMaHHs

crpaxoBoro siAl6oAyBaHrur - Ao orprrMann-s Heo6xiAHux .4oxa:is, aJIe Ha repuiH, xro He [epeBI4IIIy€

ruic6 N,ricsqis 3 AHfl OTpIIMaHIUI 3aflBvt IIpo BI'IlnaTy cTpaxoBofo ni4urxo4ynaHHt;

II.5.2. -frrqo opraHaMr.r nnyrpiunix crpaB IropylxeHo rpnuina:buy cnpaBy rlporH

CrpaxynanbHr{Ka, yrroBHoBiDreHrrx Hr{M oci6 a6o ftoro npe4crasuuxis ra BeAerbcr poacni4y'nauHx

o6craeuH, xri cnpuuuHr.rnr.r HacrauHrr crpaxoBofo BI{naAKy, - go sariuqeHHt poscli4yrauHr;

11.5.3. jf,rqo sa $arrou 3HlrrrleHHr, rrorrrKoAxeHns NaafiHa rlop)'IxeHo rpulliHanbHy clpaBy

rrporrr oci6, nuuulrx y HacraHni crpaxoBofo BLI[aAKy - Ao garin'reHHx poscni4ynaun.a (npun]rHeHHt

a6o npnsynl,IHeHH.tr nopylueuoi clparu).11.6. Bunnara crpaxonoro si.UnKo.qyBanHfl ro oAHoMy a6o 6inrue crpaxoBl'IM BIrrIa.iIKaM

rrpoBoArrrbcr B po3Mipi $arruuHoro g6urKy, 3aBAaHoro 3acrpaxoBaHoMy uafruy, ane He 6inrrue

crp axonoi c)MLI, BcraHoBJIeHoi .{oronopoM crp axyBaHH't{'- n.7: posrrrip crpaxoBoro niAurxoAyBaHHt rlpu rolnKoAxensi a6o sHutqenni 6yaineJlb ra

crropyA, o6'emis He3aBepuenoro raniTaJrbHofo 6y4innuurBa, Mo)I(e BI'I3HaqarI'Icr 6yAs-xruN't is

4Box Mero4in (sa YroAoro CroPiu):- 3a Memodou nponop4iilnoi' eidnoeidanuuocmi po:rraip ni4umoAynaHH{ po3paxoByerbct qK

rapricrr siaHonrroBaHHr (pevroury) rrolxKo.qxceHoro o6'€rty, BIzXoI.nqu is ,uiro'{nx Ha qac

HacraHHfi crpaxoBoroBr.rnaAKy HOpM ra posqiHoK 3 ypaxyBaHHtM npoIIeHTy $axruuHoro 3Hocy ra

xoe$iqieHry rrpo.ropuifinocri, ulo cKJraAae si.qHoueHHfl crpaxoBoi cyuu, Ha flKy 3acrpaxoBaHo o6'eKT,

ao aificnoi "upto"ti o6'erry. flpu qrorray aificHa napricrs o6'exry Bl'I3Harlaerbct IrIJItxoM excnepruoi

t3

oIIiHKI-I Ha qac yKnaAeHHrI [oronopy crpaxyBaHn-q ig ga3HaqeHH.f,M $isz.lHoro 3Hocy, sa xxuit Mox(e6yrn snaeruxeHa po3p axyHKoB a cyl{a crpaxoBoro ni4ruro4ynaHHr ;

- sa nemodou zpauuuruoi' eidnoeidanuuocmi poruip crpaxoBoro ni4mr<oAyBaHHtHapaxoByerbct y raKoMy ni4corry ni4 crpaxonoi clnvra, rxufi ni4coroK cKJraAae norrrKoA)KeHaqacrlaHa o6'emy ri4 ycroro 3acrpaxoBaHoro o6'erry. V qrovy Br.rrralKy npfi ].Knalei*ri [oronopycrpaxyBaHHt BH3HaqaIorLcs rpanvuni poslripu crpaxonoi siAnosilamnocri rro KoHcrpyKrr.rBHrrMeneMeHTaM 6yAinelr, cnopyA Ta iurur.ru o6'eKTaM, a raKox oKpeMr.rM ix eJreMeHTaM yni4corronouy ni4uomeHHi .qo garansuoi crpaxonoi cWLt.

frIrlo nprr yKnaAeHni loronopy crpaxyBaHH{ rpaHrruui posrraipr4 crpaxoBoi ni4noni4antnocri se6ynra yero4xeui, To nplz po3paxyHKy poslripy ri4umo4yraHHr 3acrocoByrorbc.fl runoei BeJrr]qr4Hrruurouoi Barr,r KoHcrpyKTlrBHr.rx eleueHrin, sri sr4sHaqae Crpaxonux.

11.8. flpu nonmoAxeuui a6o .racrxoBoMy pyfiHyeaHHi rr,rafrsa CrpaxynanbHr4Ka crpaxoBesi4uxogynaHHr Br4rrJraqyerbcr, BHXoITqH s po:uipy rroHeceH?rx eirHosrloeaJrbHnx nurpar. rriBKJrroqarom s ce6e:

- Br4Tparr4 Ha rraarepianu ra 3arracHi qacrusz Anr peMoHTy;: Br,rrp&Trr Ha oflnary po6ir rro peMoHTy;

. - BLITpaTLI ro .qocraBlli uarepianie ,{o rv{icqs peMoHry ra inrui BHTparH, Heo6xi4Hi i lolti:rrnoglificHeui Ans niInoBJIeHH.f, 3acrpaxoBanoro iraafiHa B ToMy craHi, B rKoMy BoHo 3Haxo.u4noc.s

. 6eenocepeAHbo nepe.4 HacraHHrM crpaxoBoro BHrraIKy.flpra qrorray, 3 cyMLI ni4noemonaJrbHax BI,ITpar sAificHrororbcr BrzpaxyBaHHr Ha 3Hoc Ha rrac

noqarKy.IaHHocri ,{ororopy crpaxyBaHH-rr geranefi, arpera:rin ra nysnin, qri saNaiHrororbcr n upoqecipeMoHTy, Ta orpLIMaHa cyMa MHo)KI,ITbct na xoe$iqienr nponopqifiuocri, rlo crnaAae nigHorueHuxcrpaxoeoi cyMI4 Ao 4ificHoi naprocri o6'ema Ha qac yKnaIaHHr [oronopy crpaxyBaHHx. [ifrcHanapricrr BLI3Haqa€Tbc.fl rlo KaraJroraM, npaitc-nucrau a6o Ha ni4craei qiH saeoAis-nupo6Huxin a

BpaxyBaHHtM 3Hocy. Y Aesxux BLIna.4Kax po:uip crpaxoBoro ni4urro4yeaHH.fl Moxe Br{3Harrarr,rcb 3aMeroAoM rpanuvHoi ei4nosilanrnocri.

Poerrrip BrrpaxyBaHb Ha 3Hoc o6.{[crroerbcr BHXo Afl.rrvt 3 naprocri qfix qacrrrH Ha AeHbHacraHHs crpaxoBoro BrrnalKy ra ix noeoi naprocri.

Bi4Honruoealrni Brrrparr,r He BKJrroqarorr n ce6e:- Ao.4arKoBi nr,rrparu noB".s3aHi 3 noKparqeHr{JrM o6"exry crpaxyBaHHr;- Br{Tparrr, gzrrraKaui THMrIacoBI4u a6o 4onouixHraM peMoHTou a6o ni4Honleun.gu, inlri

Br.rrparrr, mi nepenuqunu neo6xiani.II.9. Poeuip BrrrIJIarLt crpaxoBofo nigurxo.qyBaHHr npu noruno4xenui a6o sHurqeuui

(eurpa4euni) ronapHo-uarepianrnux Ilinsocrefi i npo4yrqii y npoqeci nupo6HuqrBa ra nepepo6xnpo3paxoByerbc.f, tK napricrn BTparreHoro a6o yrliHxu norxKoAx(enoro uafiua y roMy ni4corxy nigcylru r6zrry, xrlrfr [poIIeHT cKnaAa€ crpaxoBa cyr!{a Io saranrnoi cyMr.r roBapHo-Marepia.nrnlrxrliHnocrefr i npolyxqii na qac yKnaAeHHrr loronopy crpax)tsaHHr.

y BHrIa.qKy. KoJILI rIpH uacrausi crpaxoBofo BurrarKy eapricrs roBapHo-MarepialruzxqilrHocrefi i upo4yrqii, qo 3Haqarbc.f, sa 6ananci ni4nprlevrcrBa, rrepeBr{uye po:rvrip crpaxonoicwvt, Ao cyMrr crpaxoBoro si.quxoAyBaHHt 3acrocoByerbcr rcoeQiqienr nponopUifrHocri, rqocKna.4ae ei4norueunx crpaxonoi c)'I{}I [o [oronopy crpaxyBaHHr Ao naprocri roBapHo-naarepianrnr.rx qiHHocrefi na qac crpaxonoi no4ii.

11.10. Crpaxone nigumo4ynaunx ro 36urxaM, sxi Br.rHr4KJrH nia qac rpoBereHH-{eKc[epI,IMeHTaJIbHI,IX ra AocniAnHIIbKr{x po6ir, a raKox nir qac eKc[oHyBanH.fl raafrHa Ha eucranqi,po3paxoByeTbcx ta z!.titcHloerbc{ TaK, rK y BVnaIKy, KOJrU raxe uafiso 3acrpaxoBaHo 3a oKpeMrrM

,{oron opou crpaxyBaHHr.11.11. CrpaxyeanbHl{K, IrIo orpHMaB eia oco6r.r, suHuoi y sasAaHHi s6vrry, rroBHe

ni4rurco4yeannx:6rarry, BTpaqae npaBo Ha orpl{MaHHr crpaxonoro ni4urrcol}tsaHHs nig Crpaxonura.Il.I2. -flrqo CrpaxyearibHl4K oAepxan siAUrxoAyBaHHr ga s6Hrox nig rperix oci6, CrpaxoBr4K

Bv[naqy€ rilrrcu pisHl.ruro uix cyvroro, uo niArlqra€ Bznrari y nvrrrai crpaxoBoro silruxoa),'Bauus. icyMolo, qo olepxasa ni.q rperix oci6, -sxrqo qe nepe46aveHo yr\,{oBaMu loronopy crpax}tsaHH{.

1 1 .13. -flxrqo ricns orpHMaHHt crpaxoBofo ni4nrxo4ynanHr lrafiso rroBepHyreCrpaxyeanbuaKy a6o ei,qHosJreHe 3a paxyHoK sraHHoi oco6z, ro CrpaxoBt4K Mae npaBo BrrMafaru

I4

rroBepHeHHr cTpaxoBofo ni4ruxo4yeannx 3a BI,IHTTKOM sl'I,Uarxis crpaxyealbHl4Ka Ha peMoHT

(ni4norneHnr) rraafr Ha.

11.14. frrqo no saLty garu6eni a6o nourxoAxeHH.[ 3acrpaxoBanoro nafrsa ropyllreHo

rpunrinamHy cnpaBy, ,o atpu*o"e ei4uxogysauHt Moxe 6yru nunlaLleHo CrpaxynanbHlrKy y nepioa

p^oscni4ynan"" , ,"r, qo6 pa.pacnrafi nogoB, rtpeg'lBreHrlfi sut{Hifi oco6i, ruir 6yrli posrn'aHyrufr

cy.qoM niA'rac cnyxaHHt rpurrainanrHoi cnpanH'

Ll.15. IlicnflBvrflrrarrr crpaxoBorO niAruxOAyBaHHr:riAso,{oronopy crpaxyBaHHt y Mex(ax

BrrrrJraqeHoi cyrura Ao Crpaxonrara repexoAl'Irb IIpaBo :noporHoi BHMoTI'I (perpecy) Ha

siArrroAyBanHx s6Hrry nia oci6, siAnosi.{anbHr,Ix nepe4 CrpaxynaJIbHI{KoM sa 3aBl.a]f^Lrfi :6r'Irox'

11.15.1. -flxuto CrpaxyeanrHux siAN{oBrrBc.s ei4 npana BLIMoru 4o n[uuoi y :an4anHi :6uffiy

oco6u y ni4uorueHui ui4-*o4y"un"" s6lmry a6o Lracrpr*t4 :6nrry (ao BI4TIJIaTI{ crpaxoBoro

niAulKoAyeannx CrpaxoBI,IKoM), ro eiu BTpauae npaBo na siA[IroAyBaHHs s 6ory Crpaxoeura

si.Uuosi.qHoi .racrugu s6urry s ;LaTv sAificHeHnx raroi ni4uonu, tKIIIo qe uepel6a'rae ,{oronip

cTpaxyBaHHt.II.L1.Z. -flxrqo Crpaxyeanrnur ni4uoBuBcr nig upana BI'{MorI{ 4o ezHuoi y :an4aHui s6u:rry

oco6u y eilHOruenHi siArxroAyBaHHf S6nffiy a6o 'aacrunu a6arry (nicnx BI{IIJIaTII cTpaxoBoro

siadroAyBann.x Crpaxonurou), ro siu [oBeprae crlJlaqeHe CrpaxonuroM crpaxone ei4urxolyBaHH{

a6o fioro sianoeiaHy rracrr4Hy He nisHilre Asox N{ic-flIlis s Aaru srificueHHs raxoi siAN{osE, tKlIIo qe

nepe46auae,{ororiP crPaxYBaHHt.

11.16. y pa:i naaeHocri iururax Airo.{I.rx 4ororopin crpaxyBaHH{ IIIoAo o6"eKtis crpax}tsaHH{,

3acTpaxoBaHux sfiAHO ,{Oronopy cTpaxyBaHH-[, cTpaxoBe niAIIxoAynaHHfl llpu Hacrasni cTpaxoBoro

Br{na.qKy B1annaqye15cx CrpaxoBr{KoM rinrru y uacrr.rHi, nponopuifiHifr siAHoureHHro c:rpaxonoi cytlu

rrloAo eilnoeiAnot6 o6"exry cTpaxyBauHx :a ,{oronopoM cTpaxyBaHH'fl Ao gara;rrnoi crpaxoeoi cytvlu

sa ycivra AoroBopaMr,r cTpaxyBaHH.f,,. yKnaAeHpIMLI CToCOBHO eiAnoniAHOto o6"erty cTpaxyBaHHx' flpn

rlboMy 3aranbHa cyr!{a crpaxoBoro BUIITKoAyBaHHI, BI'IrIJIaqeHa ycirrra crpaxoBr{Kauu CrpaxyBaJIbHIrKy'

He MolKe IIepeBIIIIIyBattr o6ctry s6urxin, muf tparrpFlHo 3aB.qaHuft CrpaxyBanbHllKy'

tI.l7. Crpaxyna-nbHrrK He ru. ,rpu"i ni4lronlmucs niA Iuaftua, tKe 3aJllrlxvrocfl nicls

crpaxoBoro Br.rrraAKy, nasirr .rrKrqo "o"o

,ro-*oAx(eue. 3aruilxosa napricrr [olxKoAxenoro rrlailna

niarsrae B I,Ip axyB aHHro 3 cyMI'I crpaxoBoro r i4nxo4ye aHH'r'

11.13. Y pasi crrJrarr.r cTpaxOBOrO nnaTelr(y qacrLIHaMI'I, npfi nacranHi crpaxoBofo BI'IrIaAKy'

crpaxoBe siailroAyBaHH-rr clnaqyerbcs 3 BprpaxyBaHru{M qacrKl{ HecnnaqeHofo crpaxoBoro rlJlarex(y'

11.19. Koxna s cropiH Mae rrpaBo BHMararrr npoBeAeHHfl He3aJlexuoi ercneprvr3r4, flKA

rrpoBoArrTbcs 3a paxyHoK BrrMalarovoi croponu. Burparu Ha IIpoBeAeHH.s eKcilepTll3lr IIO Blrrra.{Kax'

sri nugsarorrcq nicnf, ii upoeegeHHr HecrpaxoBI,IMI{, ni,4socsrlcx na CrpaxyBanbHnKa, -IKIIIO qe

nep eg6 a.reHo yMoB aMI'r,{oronopy crp axyB aHH.a'

12. crpox rtprrfrHfl TT.fl prurEr{rrfl rrpo3Arf cHEHrrfl crPAxoBoi s[urATrIAEO BUIMOBY Y BIIIIJIATI

l1.l. Crpaxosux go6os'.s3aHufi [pr.r HaAxoAxenni nucrnonoi 3aflBr ri4 CrpaxyBanbHl4Ka

(Buro4oHa6yna.ra) Ha crpaxoBy Br.{nnary, B crpoK ne 6insrue u'qrHaAuqtu po6ouux rnis, g .4H'f,

o,qap*u"t" ecix neO6xiAnux Aoryvrenrin, tKIIIo inure He nepe46aveuo yMoBaMI{ '{oronopy

cTpaxyBaH ut, rtpuitu'{ru piureHH{ npo cTpaxoBy Bl'{rnary uu ni4uony y crpaxoeiit sunJlari'

I2.2. flpu eiaMoei y Crpaxonifi nu[rari, crpaxonur rosiAoN{r.f,e crpaxl'narlbHHKy

(BraroAona6yna.ry) " ,r"."ro"ii.i Soprai o6rpyHronaHi npuuunu nirNaosv B crpoK ne 6ilrure rpI'IAuf,rI'I

po6o"u^ arnl" r 4nx npufiHrTrf, piureHHx npo ni4rraoBy B cTpaxosifi sunflari, sxulo iHure se

nepe46aueno,{oronopoM crpaxyBaHH'r'

12.3. Bunttara crpaxonoro siruro.4yBaHH'n

CrpaxonraroM crpaxoBoro aKTY.

g.uificnroerbc.u He nisHirre 20 il6 3 AHt cKJIaAaHHt

15

13. TTPI,IIMISI}dBIAMOBT4 v CTPAXOBTfr BTTITJIATI

13.1. flilcraBoro AJrr eiAN{osu Crpaxonnra y s4ificueHui crpaxosoi sllnraru a6o crpaxoBoro

ei.qruKo4yBaHHt e:

13.1.1. HasNrr.rcHi Aii CrpaxyeanbHr.rKa (Buro,qoHa6yeaua), crptMoBaHl Ha HacraHH'[

cTpaxoBoro BI,IrraAKy. 3asHa.IeHa HopMa He IIoIIIuplo€Tbct na 4ii, [oB"q3aHi 3 BI{KOHaHH'M HI4MI'I

rpoMaArHcbKoro ulr cnyx6osoro o6oB".fl3K], s craHi seo6xiAuoi o6opoHlr (6es nepenurleHHt fi rraex)

a6o saxucry uaftna, *"tT', 3AOpOB".fl, .{ecri, riluocri ra AiIOsoi penyraqii. Knani$irallis aifi

Crpaxyna;rbHI,IKa (Buro4ona6yrava) BcTaHoBJIIoeTbcf eilnoeiAHo Ao r{uHHoro 3aKoHoAaBcTBa

YrpaiHn;13.I.2. BqraHeum CrpaxyeanbHr.{KoM-rpoMaAtHllHoM (Buro4ona6yna'reu), yMI'IcHoro

3Jroqlruy, qo npu:niB Ao crpaxoBoro BI'IrIaAKy;

13.1.3. floAanns CrpaxyeanbHuKoM ceiAol{o HerIpaBAI'IBrrx si.{oNaocrefi npo o6"exr

crpaxyBaHus a6o npo $arr HacraHufi crpaxoBoro BI'IraAKy;

t3.I.4. Orp1rrnlaunx CrpaxyrirJrbuprKoM roBHoro ni4ruxo4yeanH.s g6uffiis eHacriAoK HacraHH{

crpaxoBoro BI'IlaAKy siA oco6[, sfiuHoi s ix sanoAisHHi;

13.1.5. Hecsoeqacne nosiAOMJreHHr crpaxynalbHrrKoM npo HacraHHt crpaxoBofo BI'InaIKy

6es uonaxHr.rx Ha rle ilplltrprH a6o crnopeHux crpaxosurosi nepeIIIKOA y Bl43Harlenui o6crasuH,

xapaKrepy ra posrvtipy s6urrin;^ 13.I.6. BIEUaAXn, KOJII rfarr HaCTaHHT CTpaxoBoro BI',InaAKy' xxui't' BI{Marae BTpyrIaHH'f,

KoM11eTegTnr,rx oprauiB, AoK)MeHTiUIbHo ne ni4rnep4xenufi siAnosiAHnluu opfaHaMI'I;

L3.L7. frrqo Crpaxynanblrur< (BuroAoua6yea.r) He Bxs'IBae MoxsII'IBI4x saxolis IIIoAo

:6epexeHnx rraafiHa a6o guenrueHHr rxKoAra, aano4irHoi sHacri.{oK HacraHHt crpaxoBofo BI'IrIaAKy'

Crpaxoeur< ssi*H{errcs BiA so6os'-flgaHHx BLrrlJrarlrrlr crpaxoBe eililIKoAyBaHHq, tKlqo ue

nepe46a.reHo YMoBaMIa,{oronoPY.' 13.2. yMosaNar.r,{oronopy crpaxyBaHHr Moxyrb 6yrn nepe46a'reHi iHuri ni.ucraBLr AILA Bl.4MoBr{

y s4ificnenui crpaxonoi sNnrar1a, TKIIIO IIe He cy11epeqgTb 3aKOHOAaBCrry YrpaiHu'

13.3. Biruuony CrpaxoBr.rKa y crpaxonifi sznnad Mox(e 6yru ocrapx(eHo Crpaxyna-ubHl4KoM y

cyAoBoMy ropt,[Ky.1i.4. Crpaxonur He ni^umo4onye AoAarxoe'fi 36ntor, tKoro 3a3HaB Crpaxycalr'ux

sHacnilor "ar4ifir"a*1rx

saxoAiB no claciHnro uafrHa niA qac Ta licn.s cTpaxoBoro BHIIaAKy'

sa6egne.reHHlo HaJrex{Horo s6epiraHHx naftna ra sano6iraHHro froro noAaJlblrloro IIoIxKoAXeHHt'

TKIIIo q e o 6yrnrorneuo r{oroBopoM crpaxyBaHrul'

14. 3MIHA ITMOB AOIOBOPY CTPAXYBAHIIfl

14.1. Eyar-.sri guinn yrvron .{oroBopy crpaxyBanHs sAificHrolorbct 3a 3foAoro crpaxyaalbHuKa

i CrpaxonuKa rrpor.rrfoNl n'srpr po6ounx a"i" s MoMeHTy oAepxaHHt nracrn'roeoi 3roAH, sKtuo isure se

nepe46aueHo,{oronopoM crpaxyBaHH'I'

t4.2. tlpo "urlp "r""t"

sNaiHu Ao yr\{oB ,{oronopy crpaxyBaHHa Cropona-iHiqiatop rIoBrrHHa

frrrcbMoBo ,ro"iAo*"rlliuruy cropony ne ui:niure Hix sa 30 ranen4apnux Auin Ao 3arlpo[oHoBaHofo

cTpoKy BHeceHHfl srr.liH, xr[1o iurue ne nepe46aueno .{oronopoM cTpaxyBaHH{.

14.3. 3ruiuer Ao yruoB ,{oronopy crpaxyBaHnx oipoprvrnlolorbct sK AoAarKoBa }ToAa Ao Airoqoro

.{oron opy crPaxYB aHHt.

L4.4. flxalo 6ylr-xra a cropiH He 3fOAHa Ha BHeceHH{ sN{iH Ao ,{oronpy crpaxyBaHHt,

npoTrfoM n'xrr.I po6o-{ux .qHis, flKIIIo iHure ne uepe46aueno ,{oronopoM cTpaxyBaHHfl' nupilryersc-a

rrr4TaHH.' upo .Uiro,{oronopy cTpaxyBaHIUI "u.,o,t"pi4nix yuonax a6o npo rpurIIHeHHs fioro Aii'

16

15. yMOBI4 IIPIIUHEHIIfl AOIa OB OPy C TPAXyBAHIIfl

15.1. [ix,{oronopy crpaxyBaHur rrprrnvHrerbc.f, 3a 3roAoro Cropiu, a raKo)I( y pasi:

15.1.1. 3arinqenur crpoKy 4ii .(oroeopy - 3 00 ro.uus 00 xsLIruH AHt, Hacr)mHoro 3a AHeM,

ilIo BH3Haqeuuir src 4eHr sariuqeHHg;I5.L2. Buronaugx CrpaxouaKoM 3o6oB"s3aHb rlepeA CrpaxynanbHl'IKoM y noBHoMy o6csgi -

3 AHt OcTarotlHoro po3paxyHKy;

15.1.3. Hecnlarr.r Crpaxyea;rbHrrKoM crpaxoBl,Ix nnarexie y BcraHoBneui [oronopoM TepMlHIl.

flplr qsorr,ry 4oronip BBax{aerbcr AocrpoKoBo npunprHeHrrM y BI,IIaAKy, tKxlo nepurufi (a6o uepronxfi)

crpaxonufi unarix ue 6ye cuna-reHufi 3a rIIrcbMoBoIo BHMororo CrpaxoBl4Ka fiportroM AectrI'I

po6o""* 4Hin s 4Hx npe4"rBJreHH.f, raroi BIrMorIr CrpaxysalbHl,IKy, .aKUIo isure se nepe46a'reHo

yr{oBaMr,r ,{oroeopy - 3 AHt nignucaHux ,{oronopy cTpaxyBaHHs o6oua Croponauu;

15.1.4. Jlireiaarrii crpaxyearbHr4Ka - ropHAHqnoi oco6u u69 .t"ptt :1!i_1y"T:l-1"*rpoMaArgr,rHa qkr BTparIr HI.{M 4iea4arnocri, 3a BI,IH{TKoM BI{rIaIKlB, [epeAoaqeHI'IX qI4HHI'IM

3aKoHoAaBcrBoM VrPainu;15.1.5. Jlixsi4arlii Crpaxonura y roprlKy, BcraHoBJIeHoMy 3aKoHoAaBcrBoM Vrpaiuu - 3 AHt

nacrynnoro 3 a .qHeM ui4nrcanus siAnosiAHrrx .{oKyl{eurin ;

15.1.6. flpufinxrrx cyAoBoro pirueuux npo BI{3HaHHI ,{oronopy crpaxyBaHHs HeAificHrrM - 3

Ans ni.qnr,rcannx,{oroBopy crpaxyBaHHt;L5 .L .7 . B inurax BlIIIaAKax, uepe46aveHl'Ix 3aKoHoAaBcTBoM Ynpainu.

15.2. Airo .{oronopy cTpaxyBaHHr MOx(e 6Wu AOCTpOKOBo nprrrlHeHo 3a BHMOTOTo

CrpaxyranbgprKa a6o CrpaxoBrrKa. flpo Harraip .{ocrpoKoBo nprrllHlrru Airo .{oronopy crpax}tsaHHs

6ya"-s*a Cropona so6oeisgaHa roeiAol\arru iHruy ne uisHirue, uix 3a rpHAIIqrb KaneHlapHux AHie Ao

.4aru rrpurr.rHeHHr 4ii.{oroeopy crpaxyBaHHt, sK[Io inrue se nepe46aueHo .{oronoporr't.r I5.Z.l. y pa3i AocrpoKoBoro rprrnnHeHHr Ari .{oronopy crpaxyBaHHf, 3a BIrMofoIo

CrpaxyranbHr.rKa Crpaxorur rroBeprae fiorray ctpaxoni nnarexi sa uepio4, Iuo 3iuIHIxI'tBct IogaxinqeHHq 4ii ,{oronopy s nigpaxyBaHHrM H0pMaTLIBHLIX Brrrpar Ha Be.4eHHs crpaBl4' Blr3HaqeHax

nplr po3paxy"*y "tpuioBoro

rapu$y, $axrnuHux BI,ITIJIaT crpaxoBoro ni,qurxoAlnauHq, Iqo 6ynu

s,uifi cueHi 3a IILIM,{oronopovt crpaxyBaHHfl .

,.;1xulo BrrMora Crpaxyaa-nbHr.rKa o6yuouena nopylxeHHxu CrpaxoBI'IKoM yrr'lon ,{oroeopycrpaxyBaHHr, To ocrannifi rroBeprae CrpaxyeanbHrlKy cuna'reHi HHM crpaxoei nrarexi nosHicrrc.

15.2.2. y pa3i .4ocrpoKoBoro rplrrrHHeHHt AiT ,{oronopy crpaxyBaHHt 3a BaMororc

Crpaxonnra Crpaxynanbur.rKy rroBepraroucg nosHicrlo cnnatlesi Hvlr crpaxoni nnarexi.

-f,xrqo Br.rMora Crpaxonraxa 3yr{oBneua HeBHKoHaHHTIM CrpaxynanbHl4KoM yl,loe lororopycrpaxyBaHHr, ro CrpaxoBt4K rroBeprae CrpaxyBanbHllKy crpaxoni nnarexi ea nepiog, IrIo 3aJII4IrIHBct

,Uo gaxin.renng.qii,{ororopy, 3 BrrpaxyBaHIU{M HopMarHBHI4x BI,ITpar Ha BeAeHHt crlpaBrr' Bl43HaqeHrrx

11p11 po3paxygKy crpaxo"-o rapnQy, $aruruHux BHTIJIaT crpaxoBofo si.4lxltoA]tsaHHt' rqo 6ynu

gaificueni 3a IILIM,{oronopotu crpaxyBaHrul.

16. TIOPflNOK BIIPIIIEHH' CfIOPIB

16.1. Cnopu 3a ,{oroeopou crpaxyBaHHt, Iqo BLIHIrKarorb Iuix CrpaxyealbHl4KoM

(Buro4ona6ynaueru) i CrpaxonuKoM, po3B'.f,3yloTbct IIIJItxoM neperoropin.

t6.2. Cnopu rr,lix Crpaxonuxona i CrpaxyniIJIbHLIKoM 3 nplrBoAy o6ctanuH, xapaKTepy

crpaxoBoro Br,rrraAKy ra BlrlJrar crpaxoeoi cyMI{ nnpimyrorrcx CropoHarvru 3 npI'IT.flrHeHHtM

ercneprin i onnarOro ix noclyr CropOuotO, tKa 3alpouye eKcIIepTa.

16.3. flpu HeMoxJ[rBocri yperynroBaHHrr cnipnvx rrrraHb, cnpaBa po3rn.f,.4aerbcfl y cyAoBoMy

lopfl.qKy sri,qHo s Airoqul\a 3aKoHOAaBCTBOM vrpaiUa.

t7

Ta6nuqs }lbl

K TII socri B 3aJrexnocri siA lii Aoronopy crpaxyBaHHr

Crpor,qii 4oronopycTpaxyBaHHt

(rvricsllis)

I 2 J 4 5 6,|

8 9 10 11 T2

Koe0iqienrKoporKocrporosocri

0,2 0,25 0,3 0,36 0,45 0,54 0,62 0,70 0,78 0,86 0,94 1,0

17. CTPAXOBIIfr TAPI,I@. CTPAXOBI,Ift TIJIATIX

I7.I. Po:uip crpaxoBoro nnarex{y Br{3Haqaerbcfl Ha niAcrani crpaxoBofo rapr'r$y, uonane4enr.rfi y,{o4arry Nsl ao ,4aHrIX flparun.

17.2. 3,a ,{oronoporvr crpaxyBauH{, yKnaAeHr.rM Ha crpoK MeHIIIe oAHoro por}, posnaip

crpaxoBoro rrJrare)Ky Br3Haqaerbcs {K Ao6yroK pi.ruoro crpaxoBol'o nnarexy ua roe$iqieur

KoporKocrporosocri na ni.qcrasi ra6nuqi J\b1, s 3aJlextHocri ni4 crpory aii Aorosopy crpaxyBaHHt.

17.3. y Br.rrraAKy, ronn ,{oronip crpaxyraHHt yKnaAenufi na nenosHi Mlctql, crpaxoBut

nnarix clnaqyerbct .rK 3a nosHfift rrlicsqr.17.4.3a.{oronoporu crpaxyBaHHff, yKJIaAeHTIM Ha crpoK 2 a6o Aerilrra noBHIrx poxin, posvrip

cTpaxoBofo IlnaTexy Br.r3HarraeTbCt tK cyl\{a cTpaxoBIIX IIJIaTexis sa roxnufi pix. -flrIIIo cTpoK

crpaxyBaHrur BcraHoBJrroerbcr src nosHr,rfi pix (4erinma poxin) ra Aerinma Nlicsqis, ro crpaxonufi

nnarix Bg3Haqaerbc.f, rK cyrua crpaxoBoro rrnarexy sa uosulafi pir (nonHi poxu) Ta crpaxoBoro

nnarex(y Br3HaqeHoro sriAHo u. L7.4. qrx fIpauIJI, B 3ilnex(Hocri eia crpoKy 4ii ,{oronopycTpaxyBaHHt.

17.5. CryaxoBr,rK rpu BH3HaqeHHi posrurpy crpaxoBoro nnarexy Moxte BI'IKopI4croByBarr{

ni4nuqynanrni ia 3gpDKyB:rnbni noetfiqieHrl,I Ao 6asosIrx piunux mpzQin HaBeAeHI'IX y,{o4arxy NllAo rllrx flpanun B 3arrexHocri si,q pieHoro po4y Qarropis, sri BrIJI[Barorb Ha fiuonipHicrr nacrans.s

crpaxoBoro BI4naAKy

--I7.6. Crpaxonufi nnarix cnlarryerbcr o,qlropa3oBo a6o qacrLIHaMIl y crpoKl{ ra y po3Mlpax,

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