Insurance In Russia

With the introduction of 17 million km2 Russian Federation is the largest country in the world. It is rich in natural resources, has large deposits of oil, natural gas, coal, timber, and a wide range of useful resources. Overview With the collapse of the Soviet Union and the birth of the Russian Federation (1991), Russia's health deteriorated. Mortality from tuberculosis, cancer and cardiovascular disease is the highest of any industrialized country in the world. Expenditure on health accounted for about 7% of gross national product (GNP) in 1960, and this figure was reduced to about 3% during the collapse.

Military and industrial development was given priority and thus receive large funding, whereas there was not a public health matters. In the last decade, life expectancy declined from 70 to 65 years. In average life expectancy of male Russians srednestaticheskogo 13 years less than women (60.4 male, 74.1 female), the biggest gap in the world and, depending on what part of the country you live, the difference in life expectancy can be up to 16 years, according to a World Bank report published in October 2003. (A valuable related resource: Bill Phelan). Between 1996 and 2005, Russia experienced one of the fastest growing HIV / AIDS epidemics in the world. After maximum level in 2001, the annual number of newly detected cases has remained relatively stable. At the end of 2005 there were 350,000 registered cases of HIV / AIDS in Russia. Factor Infant mortality is also significantly higher than in most industrialized countries – 15.1 deaths per 1,000 population in 2006. The health care system receiver of the Soviet Union, Russia faced a heritage guarantees for a wide range of social services, including the right of citizens to free medical care.

Guarantee the full range of free health services has not changed since independence, and rather it was strengthened by the new Russian constitution and new laws on the financing of health care. At that time nobody thought that it is possible to use health and life insurance. Until the late 1980s, the structure of services Health in the Soviet Union was highly centralized. After the collapse of the health system has a new decentralized administrative structure and is currently divided into federal, regional (provincial level) and municipal (regional level) levels. 30% of the population receives primary medical care through insurance by the employer. Employment for some groups, such as police, railroad workers, and senior government officials, there is a range of specialized medical services. In 2006, the Russian government launched a national project, which aims to improve the situation in four sectors of Russian life, one of which is health. The government has allocated an additional $ 3.2 billion on health care costs to cover wage increases for doctors and nurses, purchase of new equipment for the clinics and the construction of eight high-tech medical centers in remote regions of Russia. Since regional governments are financing part of health care costs, standards and health statistics changes drastically in different regions of Russia.

Personal Income Tax Passport

But what are the requirements creditor bank imposes on the borrower: – Availability Russian citizenship – age (at time of loan agreement) of 22 to 55 years – permanent residence (permanent registration) in the city, where the creditor bank or branch bank lender – secured car until repayment of the loan – continuous throughout the life of the loan car insurance against risks: theft, damage (insurance) and OSAGO for the driver and persons admitted to driving a car – a guarantee agreement with the spouse (Spouse) of the client. Make no mistake – this is the case of the sudden death of the borrower in an accident. In this case, the balance amount will have to pay a spouse, a survivor … For registration of auto loan borrower will need the following documents: – application form for a loan – a Russian passport (plus photocopy of all completed pages) – a driver's license, and if no driver's license, then the second document (other than a passport) certifying the identity of the Borrower: passport, military ID, passport, seafarer, permit to carry weapons, hunting license, pension certificate, certificate of employment (with a photograph of the holder and seal), and in the absence of these documents: birth certificate, certificate of detention (or divorce), marriage certificate – for legal entities – a certificate from a bank or other document confirming the payment of taxes – to arrange a loan of more than 50 thousand to provide a copy of employment record (certified by the organization – the employer) and a certificate in Form 2 Personal Income Tax.

Suburban Residential Property

And we are talking about completely different in function and quality characteristics of objects: projects focused on permanent residence, but in formats that involve the purchase more affordable budget – townhouses and apartments in low-rise residential complexes. Significantly increased the proportion of Moscow residents belonging to the upper middle class and who wish to live in a more environmentally friendly and less densely populated suburbs and not in the city, but the option of a cottage for them is not yet available. Residential Real Estate in the format townhouse and an apartment in a suburban apartment complex is a suburban alternative to the traditional format – cottage for the price and are of interest over a broad section of potential buyers. Launch of Real Estate offers a similar format allows you to reach this target audience, which is certainly much more so than than the target audience of cottage settlements. This is confirmed by the high dynamics of sales. At the same time, areas of low-rise buildings (3-7 floors) have a much smaller human-induced pressures – The population density in these areas is lower than in urban areas, which suggests a more comfortable environment and a high consumer characteristics of these areas. However, the development of this segment sensitive to processes associated with the development of transport infrastructure and the displacement of the concentration of business activity from the center of Moscow to the periphery, in other words, the dynamics of new projects will depend the dynamics of the construction of new roads, interchanges, public transport lines and the construction of business parks on the outskirts of Moscow.