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FAOLIYATI SUGURTAVI  – QONUNI JUMHURII TOJIKISTON

(Akhbori Majlisi Olii Jumhurii Tojikiston, s. 2016, №7, mod. 627; Qonuni JT az 02.01.2018 s., №1487)

QONUNI JUMHURII TOJIKISTON DAR BORAI FAOLIYATI SUGURTAVI

Qonuni mazkur asoshoi huquqi, iqtisodi va tashkilii faoliyati sugurtaviro muqarrar namuda, ba tamini himoyai manfiathoi molumulkii shakhsoni voqei va huquqi hangomi rukh dodani hodisahoi sugurtavi ravona gardidaast. 

BOBI 1. MUQARRAROTI UMUMI 

Moddai 1.  Mafhumhoi asosi

sugerta

Dar Qonuni mazkur mafhumhoi asosii zerin istifoda meshavand:

– faoliyati sugurtavi – faoliyati tashkiloti sugurtavi (aznavsugurtakuni) oid ba bastan va ijroi shartnomahoi sugurta (aznavsugurtakuni), ki dar asosi ijozatnomai maqomi nazorati sugurtavi tibqi talaboti qonunguzorii Jumhurii Tojikiston amali megardad;  (QJT az 02.01.18 s., №1487)

– maqomi nazorati sugurtavi – Bonki millii Tojikiston, ki vazifahoi tanzimu nazoratro dar sohai faoliyati sugurtavi anjom medihad;  (QJT az 02.01.18 s., №1487)

– sugurtakuni – munosibatho oid ba himoyai manfiathoi qonunii molumulkii shakhsoni voqei va huquqi hangomi rukh dodani hodisahoi sugurtavii muayyan az hisobi fondhoi pulii az mukofothoi sugurtavii (haqqi sugurtavii) pardokhtshuda, inchunin mablaghoi digari tashkilothoi sugurtavi, ki az jonibi tashkilothoi sugurtavi tashakkul yoftaand;

– obekti sugurta – manfiathoi molumulki yo shakhsii gayrimolumulkii sugurtashavanda, ki ba qonunguzorii Jumhurii Tojikiston mukholifat nadoshta, dar shartnomai sugurta peshbini shudaand;

– ishtirokchiyoni kasbii bozori sugurta – tashkilothoi sugurtavi (aznavsugurtakuni), brokeri sugurtavi, tashkilothoi aktuari, adjasteri, syurveyeri sugurtavi, ki dar asosi ijozatnomai maqomi nazorati sugurtavi faoliyat mekunand;  (QJT az 02.01.18 s., №1487)

– sugurtai hatmii davlati – sugurtae, ki az hisobi bujeti davlati mablagguzori meshavad;

– sugurtai umumi – sugurtai shakhsi, molumulki, sugurtai javobgarii grajdaniyu huquqi va digar namudhoi sugurta, ki ba sohai sugurtai hayot dakhl nadorand;

– sugurtai hayot – namudi sugurta, ki amali namudani pardokhti sugurtaviro dar holathoi favti shakhsi sugurtashuda yo dar davomi zindagii u to ba okhir rasidani muhlati sugurta va yo to sinnu soli dar shartnomai sugurta darjgardida peshbini menamoyad;

– sugurta hangomi rukh dodani hodisai muayyan dar hayot – namudi sugurtai zakhirakunanda, ki bo mablagi muqarrarshuda amali namudani pardokhti sugurtaviro dar surati farorasii  hodisai qablan qaydgardida (bastani  aqdi nikoh yo tavalludi farzand) dar hayoti shakhsi  sugurtashuda peshbini menamoyad;

– sugurta az hodisai nokhush – namudi sugurta, ki amali namudani pardokhti sugurtaviro bo mablagi muqarrarshuda va (yo) ba andozai qisman yo purra jubron namudani kharojoti sugurtashuda dar holati favt, bemorii kasbi, qisman yo purra gum kardani korshoyami yo rasidani zarar ba salomatii shakhsi sugurtashuda, dar natijai rukh dodani hodisai nokhush peshbini menamoyad;

– sugurta hangomi bemori – namudi sugurta, ki amaligardonii pardokhti sugurtaviro bo mablagi muqarrarshuda va (yo) ba andozai qisman yo purra jubron namudani kharojoti shakhsi sugurtashuda bo sababi bemori yo illati digari salomati peshbini menamoyad;

– sugurtai vositahoi naqliyot – namudi sugurta, ki amaligardonii pardokhti sugurtaviro ba andozai qisman yo purra jubron namudani zarare, ki ba manfiathoi molumulkii shakhs vobasta ba sohibi, istifodabari, ikhtiyordorii vositai naqliyot, az jumla duzdidan yo rabudan, inchunin dar natijai rasidani zarar ba on, vayron yo nobud shudan peshbini menamoyad;

– sugurtai borho – namudi sugurta, ki ba andozai qisman yo purra pardokht namudani jubroni sugurtaviro baroi zarare, ki ba manfiathoi molumulkii shakhs vobasta ba sohibi, istifodabari, ikhtiyordorii bor, az jumla bagoj, molho va digar namudhoi mahsulot dar natijai vayron yo nobud shudan va gum shudani onho, novobasta ba tarzi intiqolashon rasonida shudaast, peshbini menamoyad;

– sugurtai molu mulk – namudi sugurta, ki ba andozai qisman yo purra pardokht namudani jubroni sugurtaviro baroi zarare, ki ba manfiathoi molumulkii shakhs vobasta ba sohibi, istifodabari, ikhtiyordorii molu mulk dar natijai vayron, nobud shudan yo duzdidani on rasonida shudaast, peshbini menamoyad;

– sugurtai javobgarii grajdaniyu huquqi – namudi sugurta, ki ba andozai qisman yo purra pardokht namudani jubroni sugurtaviro (pardokhti sugurtaviro) baroi  zarare, ki ba manfiathoi  molumulkii  shakhs  vobasta  ba uhdadorii u oid ba jubroni zarari ba shakhsoni seyum dar natijai sugurtakunii hamai khavfho rasonida shudaast, peshbini menamoyad;

– sugurtai javobgarii grajdaniyu huquqiisohiboni vositahoi naqliyot – namudi sugurta, ki ba andozai qisman yo purra pardokht namudani jubroni sugurtaviro (pardokhti sugurtaviro) baroi zarare, ki ba manfiathoi molumulkii shakhs vobasta ba uhdadorihoi u oid ba jubroni zarari ba shakhsoni seyum, binobar az jonibi u istifoda burdani vositai naqliyot, az  jumla javobgarii grajdaniyu huquqii intiqoldihanda rasonida shudaast, peshbini menamoyad;

sugurtai qarzho – namudi sugurta, ki pardokht namudani jubroni sugurtaviro hangomi paydo shudani zararhoi qarzdihanda dar natijai az tarafi sugurtashavanda (qarzgiranda) ijro nagardidani uhdadorihoyash dar nazdi qarzdihanda peshbini menamoyad;

– sugurtai ipotekavi – namudi sugurtae, ki qisman yo purra pardokht namudani jubroni sugurtaviro baroi zarari rasonidashuda dar natijai ijro nagardidani uhdadorihoi ba zimmagiriftai qarzgiranda tibqi shartnomai qarzi ipotekavi, peshbini menamoyad;

sugurtai kafolatho – namudi sugurta, ki ba andozai qisman yo purra pardokht namudani jubroni zarari ba manfiathoi molumulkii shakhsi kafolatdihanda dar natijai ijroi kafolat yo zamonati ba uhda giriftaash rasonidashudaro peshbini menamoyad;

– sugurta az digar talafoti moliyavi – namudi sugurta, ki amali namudani pardokhti jubroni sugurtaviro hangomi ba vujud omadani zarar dar natijai gum kardani kor, az dast dodani daromad, ofathoi tabii, kharojoti gayrichashmdosht, talafi narkhi bozori va digar zararho dar natijai anjom dodani faoliyati moliyaviyu khojagidori peshbini menamoyad;

– sugurtai kharojoti sudi – namudi sugurta, ki amali namudani pardokhti jubroni sugurtaviro hangomi zarar didani sugurtashavanda (shakhsi sugurtashuda) dar natijai kharojoti sarfkardaash vobasta ba muhokimai sudi peshbini menamoyad;

– sugurtai shakhsi – sugurtai manfiathoi molumulkii shakhsi voqei marbut ba hayot, salomati, qobiliyati mehnati, ki ba shakhsiyati khudi sugurtashavanda, inchunin shakhsi digari dar shartnoma zikrgardida (shakhsi sugurtashuda) vobasta ast;

– tashkiloti sugurtavi – shakhsi huquqie, ki faoliyati sugurtaviro dar asosi ijozatnomai dakhldori maqomi nazorati sugurtavi ba roh memonad;  (QJT az 02.01.18 s., №1487)

– sedent – tashkiloti sugurtavie, ki qismi khavfi sugurtashudaro ba aznavsugurtakuni dodaast;

– sugurtashavanda – shakhsi voqei yo huquqie, ki bo tashkiloti sugurtavi shartnomai sugurtaro bastaast;

– shakhsi sugurtashuda – shakhsi voqei, ki ba foidai u shartnomai  sugurtai shakhsi basta shudaast va yo shakhsi voqei yo huquqi, ki bo shartnomai sugurtai javobgarii grajdaniyu huquqi, javobgarii u sugurta karda shudaast;

– foidagiranda – shakhsi voqei yo huquqi, ki az jonibi sugurtashavanda baroi giriftani pardokhti sugurtavi (jubroni sugurtavi) dar shartnomai sugurtavi tain shudaast va dar polisi sugurtavi darj gardidaast;

– aznavsugurtakuni – faoliyati yak tashkiloti sugurtavi (aznavsugurtakuni) oid ba himoyai manfiathoi molumulkii tashkiloti sugurtavii (aznavsugurtashavandai) digar, ki bo bazimmagirii uhdadoriho az tarafi okhirin jihati  anjom dodani pardokhti sugurtavi (jubroni sugurtavi) az rui shartnomai sugurta aloqamand meboshad;

– aznavsugurtakunii fakultativi (ikhtiyori) – aznavsugurtakunie, ki hangomi on aznavsugurtashavanda huquq dorad uhdadori yo qismi onro nisbati pardokhti sugurtavi (jubroni sugurtavi) az rui shartnomai asosii bastashuda ba tashkiloti aznavsugurtakuni suporad, tashkiloti aznavsugurtakuni huquq dorad uhdadorii mazkur yo qismi onro az nav sugurta namoyad yo in ki aznavsugurtakunii onro rad namoyad;

– aznavsugurtakunii obligatori(hatmi) – aznavsugurtakunie, ki hangomi on aznavsugurtashavanda uhdador ast ba tashkiloti aznavsugurtakuni baroi aznavsugurtakuni uhdadori yo qismi onro nisbati pardokhti  sugurtavi (jubroni sugurtavi) az rui shartnomai asosii bastashuda suporad va tashkiloti aznavsugurtakuni uhdador ast  uhdadorii mazkur yo qismi onro az nav sugurta namoyad;

– tashkiloti aznavsugurtakuni – shakhsi huquqi, ki faoliyatro oid ba bastan va ijroi shartnomahoi aznavsugurtakuni dar asosi ijozatnomai dakhldori maqomi nazorati sugurtavi amali menamoyad;  (QJT az 02.01.18 s., №1487)

– aznavsugurtashavanda – tashkiloti sugurtavi (aznavsugurtakuni), ki qismi khavfi sugurtavii az rui shartnomai sugurta qabulkardaashro ba tashkiloti sugurtavii (aznavsugurtakunii) digar muvofiqi sharthoi bo shartnomai aznavsugurtakuni muayyanshuda medihad;

– sugurtai mushtarak – faoliyat oid ba sugurta, ki nisbati obekti sugurtavi bastani shartnomai sugurtaro az jonibi yakchand tashkiloti sugurtavi bo sugurtashavanda peshbini menamoyad, ki dar asosi on khavfhoi sugurtavi, andozai mablagi sugurtavi va mukofoti sugurtavi (haqqi sugurtavi) bayni tashkilothoi sugurtavi ba hissahoi bo shartnomai mazkur muqarrargardida taqsim karda meshavand;

– sugurtai mutaqobila – sugurtai molu mulk, manfiathoi digari molumulki va gayrimolumulkii shakhsi az jonibi shakhsoni voqei va huquqi dar asosi mutaqobil bo rohi tasisdihii jamiyathoi sugurtavii mutaqobila va dar onho muttahid namudani mablaghoi zaruri;

– jamiyati sugurtai mutaqobila – tashkiloti gayritijorati, ki sugurtai molu mulk va manfiathoi digari molumulkii azoi khudro amali menamoyad;

– sugurtai guruhi – sugurtakuni az rui yak shartnomai sugurtavi, ki dar on metavonad hayot, salomati va (yo) molu mulki yakchand shakhs sugurta karda shavad;

– sugurtai jamshavanda – sugurtae, ki alomathoi amonat va pasandozkunii mablaghoi puliro doshta, pardokhti sugurtaviro hangomi farorasii hodisai sugurtavi peshbini menamoyad, az jumla dar surati ba okhir rasidani muhlati dar shartnomai sugurta muqarrargardida va yo hodisai digari bo shartnomai sugurta peshbinigardida, vobasta ba on ki kadome az onho dar vaqti muayyanshuda peshtar ba amal meoyand;

– khavfi sugurtavi – hodisai ehtimoli, ki dar holati rukh dodani on sugurta anjom doda meshavad;

– tarifi sugurtavi – arzishi vohidi ruypushkunii sugurtavi;

– sirri sugurtavi – sirri tijoratii sugurtashavanda, shakhsi sugurtashuda yo foidagiranda va yo malumoti digar oid ba sugurtashavanda, shakhsi sugurtashuda yo foidagiranda, ki dar amaligardonii faoliyati sugurtavi ba tashkiloti sugurtavi (aznavsugurtakuni) va shakhsi faoliyati miyonaravii sugurtaviro anjomdihanda (agent, broker) malum gardidaast;

– pardokhti sugurtavi – mablagi puli, ki tashkiloti sugurtavi (aznavsugurtakuni) ba sugurtashavanda (foidagiranda) dar doirai mablagi sugurtavi hangomi rukh dodani hodisai sugurtavi ba shakhsi sugurtashuda mepardozad;

– mukofoti sugurtavi (haqqi sugurtavi) – mablagi pulii dar shartnoma darjshuda, ki onro sugurtashavanda uhdador ast ba tashkiloti sugurtavi (aznavsugurtakuni) bo tartib va dar muhlathoi dar shartnomai sugurta muqarrargardida pardokht namoyad;

– mablagi sugurtavi – mablagi pulie, ki ba on obekti sugurtavi sugurta karda shudaast va on hajmi nihoii masuliyati tashkiloti sugurtaviro (aznavsugurtakuniro) hangomi  rukh dodani hodisai sugurtavi dar bar megirad;

– hodisai sugurtavi – voqeae, ki hangomi rukh dodani on tashkiloti sugurtavi (aznavsugurtakuni) tibqi qonun va shartnomai sugurta boyad pardokhti sugurtaviro (pardokhti jubroni sugurtaviro) anjom dihad;

– jubroni sugurtavi – mablage, ki tashkiloti sugurtavi (aznavsugurtakuni) tibqi shartnomai sugurtavi hangomi rukh dodani hodisai sugurtavi baroi pushonidani zarari ba molu mulki sugurtashuda rasonida pardokht menamoyad;

– zakhirahoi sugurtavi – uhdadorihoi tashkiloti sugurtavi (aznavsugurtakuni) az rui shartnomahoi sugurta (aznavsugurtakuni), ki dar asosi hisobhoi aktuari arzyobi megardand;

– agenti sugurtavi – shakhsi voqei yo huquqi, ki faoliyatro oid ba tashkili bastani shartnomahoi sugurta az nom va bo suporishi tashkiloti sugurtavi anjom medihad;

– brokeri sugurtavi – shakhsi voqei yo huquqi, ki faoliyatro oid ba khizmatrasonii brokeri sugurtavi baroi anjom dodani amaliyoti huquqi va digar amalho nisbati bastan, tagyir dodan, qat namudan va ijroi shartnomahoi sugurtaro bo suporishi shakhsoni voqei yo huquqi (sugurtashavandagon) az nomi khud, vale az hisobi shakhsoni mazkur yo ijroi amaliyoti huquqi, yo digar amalhoro nisbati bastan, tagyir dodan, qat namudan va ijroi shartnomahoi sugurta (aznavsugurtakuni) az nomi sugurtashavandagon (aznavsugurtashavandagon) yo tashkiloti sugurtavi (aznavsugurtakuni) va az hisobi onho ijro menamoyad, inchunin faoliyati mashvaratiro oid ba masalahoi sugurtavi anjom medihad;

– aktuariy – shakhsi voqeie, ki faoliyatro oid ba hisobhoi iqtisodiyu riyozi ba tavri kasbi tibqi shartnomai mehnati yo grajdaniyu huquqi amali menamoyad;

– tashkiloti aktuari – shakhsi huquqie, ki doroi mutakhassisoni sohibi hujjati ijozatdihandai az tarafi maqomi nazorati sugurtavi dodashuda meboshad va faoliyat oid ba anjomdihii hisobhoi iqtisodiyu riyozii hajmi uhdadoriho, meyori mukofothoi (haqqi) sugurtaviro az rui shartnomahoi sugurta va aznavsugurtakuni, inchunin arzyobii foidaovari va daromadnokii namudhoi sugurta, ki az jonibi tashkiloti sugurtavi (aznavsugurtakuni) guzaronida meshavand yo ba naqsha girifta meshavand, bo maqsadi tamin namudani sathi zarurii pardokhtpaziri va ustuvorii moliyavii tashkiloti sugurtavi (aznavsugurtakuni) anjom medihad;  (QJT az 02.01.18 s., №1487)

– adjaster – shakhsi voqeie, ki bo arzyobi va tanzimi zararho mashgul buda, namoyandai vakolatdori tashkiloti sugurtavi (aznavsugurtakuni) meboshad;

– tashkiloti adjasteri – shakhsi huquqie, ki manfiathoi tashkiloti sugurtavi (aznavsugurtakuni) oid ba tanzimi erodhoi az jonibi sugurtashavanda peshnihodshudaro vobasta ba hodisai sugurtavi namoyandagi menamoyad, inchunin khavfro badi hodisai sugurtavi arzyobi namuda, uhdadorihoi tashkiloti sugurtaviro (aznavsugurtakuniro) ba asos girifta, mablagi jubroni sugurtaviro muayyan menamoyad va khulosai eksperti tartib medihad;

assistans – az jonibi shakhsoni huquqi  peshnihod namudani kumak dar shakli puli va (yo) asliyu moddi tavassuti musoidati tekhniki yo tibbi ba sugurtashavandae (shakhsi sugurtashudae, foidagirandae), ki dar natijai rukh dodani hodisai sugurtavi hangomi sayohat yo dur budan az joyi istiqomat ba holati dushvor duchor omadaast;

tashkiloti assistansi – shakhsi huquqie, ki ba sugurtashavandagon (shakhsoni sugurtashuda, foidagirandagon) dar natijai rukh dodani hodisai sugurtavi hangomi sayohat yo dur budan az joyi istiqomat ba dushvori duchor omadaand, khizmatrasoniro peshnihod menamoyad;

syurveyeri sugurtavi – shakhsi voqei yo huquqie, ki oid ba aznazarguzaroni va tashkhisi obekti sugurtavi to bastani shartnomai sugurta, guzaronidani tahlili dalelho va holathoi khavfnok, muayyan namudani darajai khavf, tartibdihii khulosai eksperti nisbati obekti sugurtavii tahqiqshavanda khizmat merasonad;

annuitet (renta) – mablagi pulie, ki az jonibi tashkiloti sugurtavi ba shakhsi voqei tibqi shartnomai (sozishnomai) bastashuda davra ba davra dar davomi yakchand sol yo yakumra pardokhta meshavad;

sugurtai annuiteti – namudi sugurtai shakhsi, ki bastani shartnomahoi sugurtaro az rui pardokhthoi darozmuhlat va amali namudani pardokhthoi sugurtavii davriro dar shakli nafaqa yo annuitet (renta) hangomi ba sinnu soli muayyan rasidani shakhsi sugurtashuda, gum kardani qobiliyati  mehnati (vobasta ba sinnu sol,  bo sababi mayubi yo bemori), favti sarobon, bekori yo dar holathoi digare, ki ba kamshavi yo az dast dodani daromadhoi shakhsii sugurtashuda ovarda merasonand, peshbini menamoyad;

shartnomai sugurta – shartnomae, ki tibqi on sugurtashavanda uhdador ast haqqi sugurtaviro mutobiqi shartnoma pardokht namoyad va tashkiloti sugurtavi uhdador ast hangomi rukh dodani hodisai sugurtavii bo shartnoma peshbinishuda ba sugurtashavanda yo shakhsi seyum (foidagiranda), ki ba foidai u shartnoma basta shudaast, pardokhti sugurtaviro (pardokhti jubroni sugurtaviro) anjom dihad;

pulhoi sugurtavi (aznavsugurtakuni) – ittihodiyai tashkilothoi sugurtavi (aznavsugurtakuni), ki faoliyati sugurtaviro az rui namudhoi alohidai sugurtavi yo khavfhoi sugurtavi dar asosi shartnomai rafoqati oddi (shartnoma dar borai faoliyati mushtarak) yakjoya bo maqsadi tamini ustuvorii faoliyati sugurtavi amali menamoyand;

portfeli sugurtavi – majmui hama shartnomahoi sugurtavii bastashuda;

polisi sugurtavi – hujjate, ki voqeiyati basta shudani shartnomai sugurta va tibqi talaboti shartnomai mazkur mavridi amal qaror giriftani uhdadorihoi tashkiloti sugurtaviro oid ba pardokhti jubroni sugurtavi (pardokhti sugurtavi) tasdiq menamoyad;

regress – huquqi talabi bozpasi tarafhoi munosibati sugurtavi oid ba jubroni mablagi pardokhtshuda;

hodisai nokhush – hodisai nogahoni va kutohmuddate, ki sarfi nazar az irodai inson rukh doda, dar natijai on ba jismi sugurtashuda tasiri berunii mekhaniki, barqi, kimiyovi yo garmi rasidaast, inchunin az tasiri ofathoi tabii salomatii u zarar dida, u mayub gashtaast yo favtidaast;

qoidai sugurta – hujjati tahiyanamudai tashkiloti sugurtavi, ki sharthoi anjomdihii sugurtaro oid ba namudi muayyani on muqarrar menamoyad.

Moddai 2. Qonunguzorii Jumhurii Tojikiston dar borai faoliyati sugurtavi

Qonunguzorii Jumhurii Tojikiston dar borai faoliyati sugurtavi ba Konstitutsiyai Jumhurii Tojikiston asos yofta, az Qonuni mazkur, digar sanadhoi meyorii huquqii Jumhurii Tojikiston, inchunin sanadhoi huquqii baynalmilalie, ki Tojikiston onhoro etirof kardaast, iborat meboshad.

Moddai 3. Obekti sugurta va subekthoi faoliyati sugurtavi

  1. Manfiathoi molumulki yo shakhsii gayrimolumulki obekti sugurta shuda metavonand, az jumla sugurtai vobasta ba:

– hayot, salomati, qobiliyati mehnat, taminoti nafaqavi va digar manfiathoi shakhsi sugurtashuda;

– sohibi, idorakuni va istifodai molu mulk;

– rasonidani zarar ba shakhsi seyum (voqei yo huquqi) yo khud ba molu mulki u.

  1. Obekthoi sugurtai hayot manfiathoi molumulkie meboshand, ki bo rasidani shahrvandon ba sinnu soli muayyan yo to ba okhir rasidani shartnomai sugurta va yo to rukh dodani yagon hodisa dar hayoti shakhs, inchunin bo favti onho (sugurtai hayot) aloqamandand.
  2. Obekthoi sugurtai umumi:

– manfiathoi molumulkii vobasta ba rasonidani zarar ba salomatii shahrvandon, inchunin bo favti onho dar natijai hodisai nokhush yo bemori (sugurta az hodisahoi nokhush va bemoriho);

– manfiathoi molumulkii vobasta ba pardokhti mablag jihati tashkil va rasonidani yorii tibbiyu doruvori (khizmatrasonii tibbi) va khizmatrasonii digari dar natijai bad shudani salomati yo holati jismonii shakhsi sugurtashuda, ki tashkil va rasonidani chunin khizmatrasoni, inchunin guzaronidani chorabinihoi peshgirikunanda, ki darajai khatari ba hayot va salomatii shakhsi voqei tahdidkunandaro kohish medihand yo onhoro (sugurtai tibbiro) bartaraf mekunand;

 – manfiathoi molumulkii vobasta ba khavfi nobudshavi (nestshavi), norasoi yo zarar didani molu mulk (sugurtai molu mulk);

– manfiathoi molumulkii sugurtashavanda (shakhsi sugurtashuda) vobasta ba khavfi nagiriftani daromad, paydoishi kharojoti peshbininagardidai shakhsoni voqei va huquqi (sugurtai khavfhoi moliyavi);

– manfiathoi molumulkii vobasta ba khavfi paydoshavii zarar az faoliyati sohibkori binobar rioya nakardani uhdadoriho az jonibi kontragenthoi sohibkor yo khud tagyiryobii sharthoi in faoliyat, ki bo holathoi ba sohibkor novobasta, az jumla bo khavfi ba dast naovardani daromadhoi peshbinishuda (sugurtai khavfi sohibkori);

– manfiathoi molumulkii vobasta ba khavfi farorasii javobgari baroi rasonidani zarar ba hayot, salomati va ba molu mulki shahrvandon, molu mulki shakhsoni huquqi, maqomoti hokimiyati davlati, tashkilothoi digar, inchunin khavfhoi farorasii javobgari baroi rioya nakardani shartnoma.

  1. Hangomi bastani shartnomai sugurta ba yakjoyakunii obekthoi sugurtai umumii sarkhathoi yakum bo duyum, inchunin sarkhathoi az seyum to shashumi qismi 3 hamin modda peshbinigardida roh doda meshavad.
  2. Subekthoi faoliyati sugurtavi ishtirokchiyoni bozori sugurta meboshand.

Moddai 4. SHaklho, sohaho, guruhho va namudhoi sugurta

  1. Bo maqsadi tashkil va amali namudani tanzimi davlati va ijozatnomadihi ba faoliyati sugurtavi sugurta ba shaklho, sohaho, guruhho va namudho judo karda meshavad.
  2. Sugurta dar shaklhoi ikhtiyori, hatmi va hatmii davlati amali megardad.
  3. Sugurtai ikhtiyori dar asosi shartnomai sugurta va qoidahoi sugurtakuni, ki sharthoi umumi va tartibi amaligardonii onro muayyan menamoyand, amali megardad.
  4. Qoidahoi sugurta doroi muqarrarot oid ba subektho va obekthoi sugurta, hodisahoi sugurtavi, khavfhoi sugurtavi, tartibi muayyan namudani mablagi sugurtavi, tarifi sugurtavi, haqqi sugurtavi, tartibi bastan, ijro va qat namudani shartnomahoi sugurta, huququ uhdadorihoi tarafho, muayyan namudani hajmi ziyon yo zarar, tartibi muayyankunii mablagi pardokhti sugurtavi (pardokhti jubroni sugurtavi), holathoi rad kardani pardokhti sugurtavi (jubroni sugurtavi) va muqarraroti digar meboshand. Qoidahoi sugurta az tarafi tashkilothoi sugurtavi (aznavsugurtakuni) yo ittihodiyahoi tashkilothoi sugurtavi (aznavsugurtakuni) mustaqilona dar asosi Kodeksi grajdanii Jumhurii Tojikiston va Qonuni mazkur tahiya gardida, bo maqomi nazorati sugurtavi muvofiqa karda meshavand. (QJT az 02.01.18 s., №1487)
  5. Sugurtai hatmi ba obekthoi afzaliyatnoki sugurta, himoyai manfiathoi molumulkii shakhsoni voqei va huquqi dar asosi qonunguzorii Jumhurii Tojikiston jori gardida, az jonibi tashkilothoi sugurtavi, novobasta ba shakli molikiyatashon, ki javobgui talaboti muqarrarnamudai qonunguzorii Jumhurii Tojikiston meboshand, amali megardad.
  6. Sugurtai hatmii davlatii hayot, salomati va molu mulki shahrvandon tibqi qonunguzorii Jumhurii Tojikiston tanho az jonibi tashkilothoi sugurtavii davlati amali karda meshavad. Haqqi sugurtavi dar chunin holat az hisobi bujeti davlati pardokht karda meshavad.
  7. Sugurta az rui sohaho ba sugurtai hayot va sugurtai umumi (yane guruhhoi digari sugurta, ki ba sugurtai hayot mansub nestand) judo meshavad.
  8. Sohai «sugurtai hayot» guruhhoi zerini shaklhoi ikhtiyorii sugurtaro dar bar megirad:

– sugurtai hayot;

– sugurta hangomi farorasii hodisai muayyan dar hayot;

– sugurtai annuiteti.

  1. Sohai «sugurtai umumi» guruhhoi zerini shaklhoi ikhtiyorii sugurtaro dar bar megirad:

– sugurta az hodisahoi nokhush;

– sugurta dar holati ba bemori giriftor shudan;

– sugurtai vositahoi naqliyoti avtomobili;

– sugurtai naqliyoti rohi ohan;

– sugurtai naqliyoti havoi;

– sugurtai naqliyoti obi;

– sugurtai borho;

– sugurtai molu mulk az zarar, ba istisnoi guruhhoi dar sarkhathoi seyum – haftumi hamin qism zikrgardida;

– sugurtai javobgarii grajdaniyu huquqii sohiboni vositahoi naqliyoti avtomobili;

– sugurtai javobgarii grajdaniyu huquqii sohiboni naqliyoti havoi;

– sugurtai javobgarii grajdaniyu huquqii sohiboni naqliyoti obi;

– sugurtai javobgarii grajdaniyu huquqi, ba istisnoi guruhhoi dar sarkhathoi nuhum – yozdahumi hamin qism nishondodashuda;

– sugurtai qarzho;

– sugurtai ipotekavi;

– sugurtai kafolatho;

– sugurta az digar talafoti moliyavi;

– sugurtai kharojoti sudi;

– guruhhoi digari sugurta, ki tibqi qonunguzorii Jumhurii Tojikiston peshbini shudaand.

  1. Hangomi bastani shartnomai sugurta tashkiloti sugurtavi namudi sugurtaro dar shakli hujjati dakhldor tahiya namuda, ba sugurtashavanda dar doirai yak yo yakchand guruhhoi sugurta peshnihod menamoyad. Tashkiloti sugurtavi huquq dorad tanho badi bo maqomi nazorati sugurtavi muvofiqa namudani qoidahoi sugurta va giriftani ijozatnoma bo tartibi muqarrargardida, faoliyat oid ba bastani shartnomai sugurtaro dar shakli shartnomai hamrohshavi bo dodani polisi sugurtavi ba sugurtashavanda amali namoyad.  (QJT az 02.01.18 s., №1487)
  2. Namudi sugurta mahsuli sugurtaviest, ki tashkiloti sugurtavi onro dar shakli sanadi meyori tahiya namuda, ba sugurtashavanda dar doirai yak yo yakchand guruhi sugurta tavassuti bastani shartnomai sugurta peshnihod menamoyad. Tashkiloti sugurtavi huquq dorad tanho badi bo maqomi nazorati sugurtavi muvofiqa namudani qoidahoi sugurta va giriftani ijozatnoma oid ba bastani shartnomai sugurta dar shakli shartnomai hamrohshavi bo dodani polisi sugurtavi ba sugurtashavanda faoliyat namoyad. (QJT az 02.01.18 s., №1487)
  3. Har yak namudi sugurtai hatmi guruhi alohidai sugurta ba hisob meravad. Muhtavoi har yak guruh dar shakli sugurtai hatmi va talaboti ilovagi az rui sharthoi guzaronidani on bo qonunguzorii Jumhurii Tojikiston dar sohai sugurtai hatmi muqarrar karda meshavad.
  4. YAkjoyakunii sohaho va guruhhoi sugurta az jonibi maqomi nazorati sugurtavi tibqi qonunguzorii Jumhurii Tojikiston amali karda meshavad. (QJT az 02.01.18 s., №1487)
  5. Az rui shartnomahoi sugurtai javobgarii grajdaniyu huquqi khavfi khudi sugurtashavanda va tanho ba manfiati u sugurta shuda metavonad.

Moddai 5. Kafolathoi davlatii huquq va manfiathoi qonunii subekthoi faoliyati sugurtavi

  1. Davlat rioyai huququ manfiathoi qonunii subekthoi faoliyati sugurtaviro kafolat medihad.
  2. Dakholati maqomoti davlati, ittihodiyahoi jamiyati va tashkilothoi digar ba faoliyati subekthoi faoliyati sugurtavi roh doda nameshavad, agar on huquqhoi maqomi nazorati sugurtaviro, ki bo Qonuni mazkur va digar sanadhoi meyorii huquqii Jumhurii Tojikiston peshbini shudaand, khalaldor nasozad. (QJT az 02.01.18 s., №1487)
  3. Sanjishi faoliyati moliyaviyu khojagidorii subekthoi faoliyati sugurtavi tibqi qonunguzorii Jumhurii Tojikiston amali karda meshavad.

Moddai 6. Ijozatnomadihi ba faoliyati sugurtavi

Ijozatnomadihi ba faoliyati sugurtavi tibqi Qonuni Jumhurii Tojikiston «Dar borai ijozatnomadihi ba baze namudhoi faoliyat» amali karda meshavad.

BOBI 2. BOZORI SUGURTA 

Moddai 7. Ishtirokchiyoni kasbii bozori sugurta

  1. Faoliyati ishtirokchiyoni kasbii bozori sugurta dar asosi ijozatnomai maqomi nazorati sugurtavi amali megardad, ba istisnoi faoliyati aktuariyho, ki az jonibi maqomi mazkur attestatsiya karda meshavad. (QJT az 02.01.18 s., №1487)
  2. Malumot dar borai ishtirokchiyoni kasbii bozori sugurta bo tartibi muqarrarkardai maqomi nazorati sugurtavi ba Fehristi yagonai davlatii ishtirokchiyoni kasbii bozori sugurta vorid karda meshavad. (QJT az 02.01.18 s., №1487)
  3. Fehristi yagonai davlatii ishtirokchiyoni kasbii bozori sugurta malumotro dar borai ishtirokchiyoni kasbii bozori sugurta, nomi on, makoni joygirshavi, rohbar, ishtirokchiyon (sahmdoron), raqam, tarikhi dodan, muhlati etibori ijozatnoma, namudi faoliyati sugurtavi, ki ba amaligardonii on ijozatnoma doda shudaast, namudhoi sugurta, ki dar doirai namudi muvofiqi faoliyati sugurtavi (baroi tashkilothoi sugurtavi va jamiyathoi sugurtai mutaqobila) amali megardand, nomi somonai rasmii ishtirokchiyoni kasbii bozori sugurta, filialho va namoyandagihoi tashkiloti sugurtavi (aznavsugurtakuni) va makoni joygirshavii onho, dar borai qabuli qaror oid ba bozdosht, barqarorkunii amali ijozatnoma yo bozkhondi ijozatnoma, sababho va tarikhi az Fehristi yagonai davlatii ishtirokchiyoni kasbii bozori sugurta barovardanro dar bar megirad.
  4. Dar holati tagyiryobii malumot oid ba ishtirokchiyoni kasbii bozori sugurta malumoti mazkur dar muhlati na dertar az panj ruzi kori bad az sanai tagyiryobii on ba Fehristi yagonai davlatii ishtirokchiyoni kasbii bozori sugurta vorid karda meshavad.
  5. Nomi (nomi firmavii) ishtirokchii kasbii bozori sugurta – shakhsi huquqi malumoti zerinro dar bar megirad:

– shakli tashkiliyu huquqii ishtirokchii kasbii bozori sugurta;

– namudi faoliyati ishtirokchii kasbii bozori sugurta bo istifodai kalimai «sugurtakuni» va (yo) «aznavsugurtakuni» yo «sugurtakunii mutaqobila», yo khud «brokeri sugurtavi», inchunin kalimahoi az chunin kalimavu iboraho sokhtashuda;

– nishonai fardikunonii ishtirokchiyoni kasbii bozori sugurta.

  1. Ishtirokchii kasbii bozori sugurta – shakhsi huquqi baroi purra istifoda burdani nomi ishtirokchii digari kasbii bozori sugurta huquq nadorad. Muqarraroti mazkur ba jamiyathoi fari va filialhoi ishtirokchiyoni kasbii bozori sugurta tatbiq namegardand.

 Moddai 8. Tashkiloti sugurtavi (aznavsugurtakuni)

  1. Tashkiloti sugurtavi (aznavsugurtakuni) dar shakli jamiyati sahomi va jamiyati doroi masuliyati mahdud, tashkiloti davlatii sugurtavi dar shakli korkhonai vohidi davlati tasis doda meshavad.
  2. Tashkiloti sugurtavi (aznavsugurtakuni) chunin vazifahoro amali menamoyad:

– arzyobii khavfhoi sugurtavi;

– giriftani haqqi sugurtavi;

– tashakkul dodani zakhirahoi sugurtavi;

– purra namudani doroiho;

–  muayyan namudani andozai ziyon yo zarar;

– anjom dodani pardokhti  sugurtavi (jubroni sugurtavi);

– digar amalhoi vobasta ba ijroi uhdadorihoi shartnomai sugurta.

  1. Tashkilothoi sugurtavi (aznavsugurtakuni) bo maqsadi giriftani daromadi ilovagi, inchunin huquq dorand bo tartibi muqarrarnamudai qonunguzorii Jumhurii Tojikiston bo sarmoyaguzorii (mablagguzorii) zakhirahoi sugurtavii muvaqqatan ozod mashgul shavand.
  2. Hangomi tasis dodani tashkiloti sugurtavi (aznavsugurtakuni) va amaligardonii faoliyat bo ishtiroki sarmoyaguzoroni khoriji boyad talaboti zerin rioya karda shavand:

– sarmoyaguzori khoriji uhdador ast hujjathoi tasdiqkunandai pardokhtpazirii u va khulosai auditoriro (to sanai okhirin) peshnihod namoyad;

– na kam az 50 foizi azoi maqomoti idorakunii tashkiloti sugurtaviro, ki bo ishtiroki sarmoyaguzoroni khoriji tasis yoftaast, shahrvandoni Jumhurii Tojikiston tashkil dihand;

– tashkiloti sugurtavi (aznavsugurtakuni) uhdador ast, ki rozigii peshakii maqomi nazorati sugurtaviro baroi ziyod namudani andozai sarmoyai oinnomavi az hisobi mablagi sarmoyaguzoroni khoriji va (yo) jamiyathoi farii onho baroi begonakunii sahmiyahoi khud (hissaho dar sarmoyai oinnomavi) ba manfiati sarmoyaguzoroni khoriji (az jumla, baroi furush ba sarmoyaguzoroni khoriji) girad, sahmdoroni vatani (ishtirokchiyon) boshand, uhdadorand, ki rozigii peshakii maqomi nazorati sugurtaviro baroi begonakunii sahmiyahoi (hissaho dar sarmoyai oinnomavii) tashkiloti sugurtavii (aznavsugurtakunii) ba onho taalluqdoshta ba manfiati sarmoyaguzoroni khoriji va (yo) jamiyathoi farii onho girand;  (QJT az 02.01.18 s., №1487)

– tashkiloti sugurtavii (aznavsugurtakunii) tasisyobanda va tashkiloti sugurtavii bo ishtiroki sarmoyaguzoroni khoriji tashkilshavanda uhdadorand, ki andozai haddi aqalli sarmoyai oinnomaviro doshta boshand, ki on dar lahzai giriftani ijozatnoma baroi amali namudani faoliyati sugurtavi purra va dar shakli puli  bo puli milli pardokht gardida boshad.

  1. Tashkiloti sugurtavi (aznavsugurtakuni) bo maqsadi rasonidani malumot dar borai faoliyati khud ba sugurtashavandagon, shakhsoni sugurtashuda, foidagirandagon va shakhsone, ki khohishi bastani shartnomai sugurtaro dorand, boyad somonai elektronii khudro doshta boshad va dar on ittilooti zerin joygir karda shavad:

– nomi purrai tashkilot, suroga (makoni joygirshavi), raqami telefonho, rejai korii tashkiloti sugurtavi (aznavsugurtakuni), filialho va namoyandagihoi on;

– malumoti dakhldori khizmati dar borai rohbaroni tashkiloti sugurtavi (aznavsugurtakuni);

– malumot dar borai hujjathoi huquqmuayyankunanda, az jumla malumot dar borai raqami mushakhkhasi baqaydgirii davlati, raqami mushakhkhasi andozsuporanda, dar borai raqami baqaydgiri dar Fehristi yagonai ishtirokchiyoni kasbii bozori sugurta, inchunin malumot dar borai ijozatnomai tashkiloti sugurtavi (aznavsugurtakuni) va muhlati amali on;

– nomgui namudhoi sugurtai amalishavanda;

– qoida va tarifhoi sugurtavi;

– hisoboti solonai muhosibavii (moliyavii) tashkiloti sugurtavi (aznavsugurtakuni) bo khulosai auditorii tasdiqkunandai etimodnokii on baroi soli hisoboti;

– hisoboti moliyavii solonai majmui bo khulosai auditorii tasdiqkunandai etimodnokii on baroi se soli hisobotii guzashta;

– reytinghoi ba tashkiloti sugurtavi (aznavsugurtakuni) az jonibi agentihoi reytingi dodashuda (dar holati sohibshavi);

– malumot dar borai faoliyati tashkiloti sugurtakunanda (aznavsugurtakuni), tajribai kori on tibqi namudhoi sugurta;

– malumot oid ba ishtirok dar ittihodiyahoi kasbi, ittifoqho, pulho va assotsiatsiyahoi tashkilothoi sugurtavi (aznavsugurtakuni);

– malumoti digare, ki zarurati nashri on bo qonunguzorii Jumhurii Tojikiston peshbini shudaast.

  1. Malumot oid ba faoliyati tashkiloti sugurtavi (aznavsugurtakuni), ki dar qismi 5 moddai mazkur qayd shudaast, dar muhlati panj ruzi kori bad az ruzi qabuli qarori dakhldor az jonibi tashkiloti sugurtavi (aznavsugurtakuni) dar somonai on joygir karda meshavad. Dar surati zarurati baqaydgirii on yo ogohonidan oid ba qarori qabulkardai maqomi nazorati sugurtavi- muvofiqan az ruzi baqaydgiri yo ogohkuni joygir karda meshavad. (QJT az 02.01.18 s., №1487)

Moddai 9. Ittihodiyahoi ishtirokchiyoni kasbii bozori sugurta

  1. Ishtirokchiyoni kasbii bozori sugurta bo maqsadi hamohangsozii faoliyati khud, muarrifi va himoyai manfiathoi umumii azoi khud metavonand ittifoqho, pulho va assotsiatsiyaho tasis dihand.
  2. Ba Fehristi ishtirokchiyoni kasbii bozori sugurta malumot oid ba ittihodiyahoi ishtirokchiyoni kasbii bozori sugurta dar asosi nuskhai shahodatnomahoi baqaydgirii davlatii chunin ittihodiyaho va hujjathoi tasisii onho, ki ba maqomi nazorati sugurtavi peshnihod shudaand, vorid megardand. (QJT az 02.01.18 s., №1487)

Moddai 10. Pulhoi sugurtavi (aznavsugurtakuni)

  1. Pulhoi sugurtavi baroi tamini ustuvorii moliyavii ishtirokchiyoni on, az tarafi onho ijro namudani uhdadoriho oid ba pardokhti sugurtavi (pardokhti jubroni sugurtavi), ki hajmashon metavonand az mablaghoi khudii (sarmoyai) yak tashkiloti sugurtavi ziyod boshand, tasis yofta, dar asosi prinsiphoi sugurtai mushtarak yo aznavsugurtakuni amal menamoyand.
  2. Pulhoi aznavsugurtakuni baroi vase namudani imkoniyathoi moliyavii azoi khud tavassuti az tarafi onho amali namudani aznavsugurtakunii qismi barziyodii nigohdorii shakhsii azoi pul az rui shartnomai sugurta sozmon doda meshavand. Uhdadoriho oid ba pardokhti sugurtavi (pardokhti jubroni sugurtavi), ki az mablaghoi khudii (sarmoyavii) azoi puli sugurtavi barziyodand, az nomi puli sugurtavi baroi aznavsugurtakuni doda meshavand.
  3. Ishtirokchiyoni puli aznavsugurtakuni – tashkilothoi sugurtavii (aznavsugurtakunii) doroi ijozatnoma baroi amalisozii aznavsugurtakuni, inchunin tashkilothoi khorijii aznavsugurtakuni buda metavonand. SHumorai ishtirokchiyoni puli sugurtavi (aznavsugurtakuni) mahdud nest.
  4. Ishtirokchiyoni puli sugurtavi (aznavsugurtakuni) prinsipu munosibathoi yagonaro bo sharthoi sugurtakuni (aznavsugurtakuni) dar doirai faoliyati pulhoi sugurtavi (aznavsugurtakuni) anjom doda, taboduli malumot dar borai shartnomahoi sugurta (aznavsugurtakuni) oid ba arzyobii khavfhoi sugurtavi, muayyan namudani ziyon yo zarar, maqomoti idorakunii pulhoi sugurtavi (aznavsugurtakuni), salohiyati onho, tartibi shirkat dar digar pulhoi sugurtavi (aznavsugurtakuni), rasmiyoti baromadani ishtirokchiyoni puli sugurtavi (aznavsugurtakuni) az puli dakhldorro muayyan menamoyand.
  5. Malumot dar borai faoliyati puli sugurtavi (aznavsugurtakuni) dar somonai puli mazkur yo dar somonai tashkiloti sugurtavi (aznavsugurtakuni) – peshsafi puli sugurtavi (aznavsugurtakuni) joygir karda meshavad.
  6. Hususiyathoi tashkil va faoliyati pulhoi sugurtaviro (aznavsugurtakuniro) qonunguzorii Jumhurii Tojikiston muqarrar menamoyad.

Moddai 11. Tashkilothoi farii tashkiloti sugurtavi (aznavsugurtakuni)

  1. Tashkilothoi sugurtavi (aznavsugurtakuni) huquq dorand tibqi qonunguzorii Jumhurii Tojikiston tashkilothoi farii khudro tasis dihand.
  2. Tashkiloti farii tashkiloti sugurtavi (aznavsugurtakuni) huquqi sozmon dodan yo doshtani tashkiloti fariro nadorad.
  3. Tashkiloti farii sugurtavi (aznavsugurtakuni) uhdador ast, ki dar nomi khud kalimai «fari»-ro nishon dihad va nomi tashkiloti sugurtavii (aznavsugurtakunii) asosiro istifoda barad.

Moddai 12. Baqaydgirii davlatii tashkilothoi sugurtavi (aznavsugurtakuni)

Baqaydgirii davlatii tashkilothoi sugurtavi (aznavsugurtakuni) tibqi Qonuni Jumhurii Tojikiston «Dar borai baqaydgirii davlatii shakhsoni huquqi va sohibkoroni infirodi» bo nazardoshti khulosai maqomi nazorati sugurtavi, ki baroi baqaydgirii davlatii tashkiloti sugurtavi (aznavsugurtakuni) doda shudaast, amali karda meshavad.  (QJT az 02.01.18 s., №1487)

Moddai 13. Brokerho va agenthoi sugurtavi

  1. Faoliyati brokerho va agenthoi sugurtavi az rui faoliyati sugurtavi va aznavsugurtakuni ba manfiathoi tashkilothoi sugurtavi yo sugurtashavandagon bo maqsadi ba onho rasonidani khizmat oid ba intikhobi sugurtashavanda va (yo) tashkiloti sugurtavi (aznavsugurtakuni), sharthoi sugurtakuni (aznavsugurtakuni), barasmiyatdarorii hujjatho, bastan va nazorati shartnomai sugurta (aznavsugurtakuni), ba on dokhil namudani tagyirot, barasmiyatdarorii hujjatho hangomi tanzimi talabot dar holati anjomdihii pardokhti sugurtavi (pardokhti jubroni sugurtavi), hamkori bo tashkiloti sugurtavi (aznavsugurtakuni), amalisozii faoliyati mashvarati ravona gardidaast. Hamin guna faoliyat, ki az jonibi sugurtashavanda va tashkiloti sugurtavi (kormandoni on) nisbat ba shakhsoni sugurtashuda anjom doda meshavad, ba faoliyati broker va agenti sugurtavi taalluq nadorad.
  2. Ba sifati broker va agenti sugurtavi shakhsone, ki dogi sudii barhamnakhurda yo bardoshtanashuda dorand yo in ki dar davomi du sol tashkiloti sugurtaviro to az jonibi maqomoti sudi muflis etirof shudan yo to ba okhir rasidani se sol az ruzi muflis etirof shudan rohbari namudaand, inchunin shakhsoni dar maqomoti idorakunii tashkiloti sugurtavi, jamiyathoi fari va vobastai on mansab ishgol menamoyand, huquqi faoliyat namudanro nadorand.
  3. Broker va agenti sugurtavi baroi ijro nakardan yo ba tavri nomatlub ijro kardani uhdadorihoe, ki az faoliyati onho barmeoyand, az jumla, baroi ifshoi malumoti sirri tijoratii tashkiloti sugurtavi va malumoti shakhsi sugurtashavanda, oid ba durusti, voqeiyat, purragi va sari vaqt peshnihod namudani malumot va hujjathoi tasdiqkunandai az jonibi onho ijro gardidani vakolathoyashon javobgar meboshand.
  4. Broker va agenti sugurtavi bo tartib va sharthoi dar shartnomai bayni tashkiloti sugurtavi va agent yo brokeri sugurtavi, yo mutobiqi qonunguzorii Jumhurii Tojikiston peshbinishuda, dar holati giriftani mukofoti (haqqi) sugurtavi az sugurtashavanda uhdadorand, ki nigohdorii mablagi puli, inchunin hujjathoi az jonibi tashkiloti sugurtavi va sugurtashavanda peshnihodshudaro tamin namoyand va ba tashkiloti sugurtavi oid ba istifodai varaqahoi polisi sugurtaviro hisobot peshnihod namoyand, varaqahoi polisi sugurtavii istifodanashuda va vayrongardidaro bargardonand.
  5. Broker va agenti sugurtavi huquq dorand, ki az tashkiloti sugurtavi malumot oid ba andozai sarmoyai oinnomavi, zakhirahoi sugurtavi, ijozatnoma baroi amaligardonii sugurtakuni, aznavsugurtakuni, muhlati faoliyat ba sifati subekti faoliyati sugurtavi, oid ba namud va sharthoi sugurtakunii amalishavandaro talab kunand.
  6. Broker va agenti sugurtavi nametavonand az rui shartnomahoi sugurtai ba foidai shakhsoni seyum az jonibi onho bastashuda, khudro ba sifati foidagiranda darj kunand. Tashkiloti sugurtavi, novobasta ba uslubho, muhlati amaligardonii polisi sugurtavi va sanai ba tashkiloti sugurtavi vorid gardidani mukofoti sugurtavii (haqqi sugurtavii) az jonibi sugurtashavanda ba broker va agenti sugurtavi intiqolshuda, uhdador ast shartnomahoi sugurtai az jonibi broker va agenti sugurtavi az nomi on va (yo) ba manfiathoi tashkiloti sugurtavi bastashudaro ijro namoyad.
  7. Agenthoi sugurtavi ba sugurtashavandagon, shakhsoni sugurtashuda, foidagirandagon, shakhsone, ki khohishi bastani shartnomai sugurtaro dorand, malumot oid ba faoliyati tashkiloti sugurtavi, inchunin tibqi talabi onho malumot oid ba faoliyati khud, vakolatho va nom, az jumla, raqami telefon, rejai kori, makoni joygirshavi (baroi agenti sugurtavi – shakhsi huquqi), nomguy va arzishi khizmatrasonii khudro peshnihod menamoyand.
  8. Tashkilothoi sugurtavi hangomi bastani shartnomai khizmatrasoni bo brokeri sugurtavi nomgui khizmatrasonii az jonibi brokeri sugurtavi peshnihodshavanda, huququ uhdadorihoi on, tartibi ijroi shartnoma, muhlati amali on, arzishi khizmatrasoni (andozai mablagi havasmandgardonii brokeri sugurtavi), tartibi hisobbarobarkuni, az on jumla tartib va muhlati ba tashkiloti sugurtavi az jonibi brokeri sugurtavi intiqol namudani mablaghoi pulii baroi pardokhti shartnomai sugurta (aznavsugurtakuni) giriftashudaro (agar chunin faoliyat az jonibi brokeri sugurtavi amali gardad) muayyan menamoyand.
  9. Dar surati ba manfiati tashkiloti sugurtavi az jonibi brokeri sugurtavi amali namudani faoliyati miyonaravi u uhdador ast dar in bora sugurtashavandaro ogoh namoyad va huquqi az rui yak shartnomai sugurta az tashkiloti sugurtavi va sugurtashavanda giriftani mablagi havasmandgardoni baroi khizmati rasonidashudaro nadorad. Brokerhoi sugurtavi huquq dorand, ki faoliyati digari khizmatrasonii vobasta ba sugurta va bo qonunguzorii Jumhurii Tojikiston mannashudaro, ba istisnoi faoliyati tashkiloti sugurtavi, aznavsugurtakuni va agenti sugurtavi, amali sozand. Broker va agenti sugurtavi huquq nadorand khizmatrasoniro az rui sugurtai hatmi amali namoyand.
  10. Brokerhoi sugurtavie, ki mablaghoi puliro az sugurtashavandagon (aznavsugurtashavandagon) ba hisobi pardokhti shartnomai sugurta (aznavsugurtakuni) qabul menamoyand, mablagi mazkurro ba surathisobi bonkii khud baroi intiqol ba tashkiloti sugurtavi dar muhlati na dertar az se ruzi kori vorid menamoyand. Brokerhoi sugurtavi huquqi anjomdihii amaliyoti digarro bo istifodai mablagi az rui shartnomai sugurta (aznavsugurtakuni) ba surathisobi mazkur voridshuda nadorand.
  11. Faoliyati brokerhoi sugurtavii khoriji dar hududi Jumhurii Tojikiston bo tartibi muqarrarnamudai qonunguzorii Jumhurii Tojikiston baroi amaligardonii faoliyati miyonaravi, ba sifati brokeri sugurtavi ijro namudani aznavsugurtakuni ijozat doda meshavad.
  12. Brokeri sugurtavi uhdador ast tibqi talabi sugurtashavanda malumotro oid ba nomi khud, makoni joygirshavi, ijozatnoma baroi amaligardonii faoliyati miyonaravi ba sifati brokeri sugurtavi, nomgui khizmatrasonii tashkiloti sugurtavie, ki ba manfiathoi on sugurtakuni amali megardad, peshnihod namoyad. Brokeri sugurtavi malumotro oid ba ishtirok kardan yo nakardan (bo nishon dodani sahm) dar sarmoyai oinnomavii tashkiloti sugurtavi, namud va sharthoi sugurtakuni, inchunin tahlili natijahoi khizmatrasonii sugurtaviro bo nazardoshti talaboti sugurtashavanda peshnihod menamoyad.
  13. Brokeri sugurtavi ba tashkiloti sugurtavi malumotro oid ba khavfi sugurtavi, obekti sugurta, predmeti sugurta, ehtiyoji on ba sugurtakuni, ki az sugurtashavanda dastras namudaast, inchunin malumot va hujjathoi digarro baroi bastan va idoma dodani shartnomai sugurta va ijroi uhdadorihoi khud bo tartib va hajme, ki qonunguzorii Jumhurii Tojikiston va shartnomai bayni tashkiloti sugurtavi va brokeri sugurtavi muqarrar namudaand, peshnihod menamoyad.
  14. Nazorati faoliyati brokeri sugurtavi tibqi talaboti Qonuni mazkur az jonibi maqomi nazorati sugurtavi, inchunin ijroi huquq va uhdadorihoi bo shartnomai bayni tashkiloti sugurtavi va brokeri sugurtavi peshbinigardida az jonibi tashkiloti sugurtavi amali gardonida meshavad. (QJT az 02.01.18 s., №1487)
  15. Broker va agenti sugurtavi uhdadorand, ki ba sugurtashavanda, shakhsi sugurtashuda, foidagiranda, inchunin shakhsone, ki khohishi bastani shartnomai sugurtaro dorand, az rui darkhosti onho mafhumhoi dar qoida va shartnomai sugurta mavjudaro fahmonand. Broker va agenti sugurtavi – shakhsi huquqi uhdadorand, malumoti dar qismhoi 7 va 12 moddai mazkur peshbinigardidaro dar somonai khud joygir namoyand.
  16. Tashkilothoi sugurtavi fehristi agentho va brokerhoi sugurtaviro, ki bo onho shartnoma oid ba khizmatrasonii vobasta ba sugurtaro bastaand, pesh mebarand va malumotro (nasab, nom, nomi padar (dar holati mavjudiyat) yo nomi broker va agenti sugurtavi, raqami shahodatnoma yo shartnoma) dar somonai khud joygir menamoyand.
  17. Faoliyati agenthoi sugurtavi va brokerhoi sugurtavi oid ba peshnihodi khizmatrasonii vobasta ba bastan va ijro namudani shartnomahoi sugurta (ba istisnoi shartnomahoi aznavsugurtakuni) tashkilothoi sugurtavii (aznavsugurtakunii) khoriji yo brokerhoi sugurtavii khorijie, ki bo tartibi muqarrarnamudai qonunguzorii Jumhurii Tojikiston ba qayd girifta nashudaand va baroi amaligardonii faoliyati sugurtavi ijozatnoma nagiriftaand, dar qalamravi Jumhurii Tojikiston man ast.

Moddai 14. Aktuariyhoi sugurtavi (tashkiloti aktuari)

  1. Aktuariyhoi sugurtavi bo suporishi tashkiloti sugurtavi (aznavsugurtakuni) namudhoi zerini khizmatrasoniro anjom medihand:

– bahisobgirihoi ehtimolii rukh dodani voqeahoi sugurtavi, muayyan namudani takrorshavi va darajai vazninii oqibati zarari rasonidashuda dar guruhhoi alohidai khavfho va az rui majmui sugurtavi;

– asosnokkunii kharojoti zaruri baroi tashkili ravandi sugurtakuni va hisob namudani arzishi aslii khizmatrasonii sugurtavi;

– muqarrar namudani andozai tarif oid ba har yak namudi sugurta (aznavsugurtakuni) bo darnazardoshti khususiyati darozmuddat va kutohmuddat budani amalisozii onho baroi tashkiloti sugurtavi (aznavsugurtakuni);

– arzyobii natijahoi faoliyati sarmoyaguzorii tashkilothoi sugurtavi (aznavsugurtakuni) bo istifodai hisobhoi aktuari;

– banaqshagirii daromadhoi tashkiloti sugurtavi (aznavsugurtakuni) az rui namudhoi gunoguni sugurta (aznavsugurtakuni).

  1. Aktuariyi sugurtavi boyad zaboni davlatiro donad, doroi tahsiloti olii matematiki, tekhniki yo iqtisodii bo hujjati dakhldori tasdiqgardidai dar Jumhurii Tojikiston etirofshuda, inchunin shahodatnomai takhassusii tasdiqkunandai donishi u dar sohai hisobhoi aktuari boshad.

Moddai 15. Adjasterhoi sugurtavi (tashkiloti adjasteri)

  1. Adjasterhoi sugurtavi bo suporishi tashkiloti sugurtavi (aznavsugurtakuni) namudhoi zerini khizmatrasoniro amali menamoyand:

– aznazarguzaroni va tashkhisi obekti sugurtavi bad az rukh dodani hodisai sugurtavi;

– tahlili dalelho va holathoi ba miyon omadani khavfi hodisai sugurtavi;

– muqarrar namudani sababhoi osebbinii obekti sugurtavi, rasonidani ziyon yo zarar ba obekti mazkur va mavjud budani hodisai sugurtavi;

– hangomi rukh dodani hodisai sugurtavi – muqarrar namudani darajai oseb va andozai zarare, ki dar natijai hodisai sugurtavi rasonida shudaast;

– muayyan namudani mablagi jubroni sugurtavii pardokhtshavanda;

– tartib dodani khulosa (sanad) oid ba hodisai sugurtavi baroi tashkiloti sugurtavi (aznavsugurtakuni).

  1. Adjasterhoi sugurtavi faoliyati khudro tibqi shartnomai bo tashkiloti sugurtavi (aznavsugurtakuni) bastashuda amali menamoyand.
  2. Hulosai (sanadi) tartibdodai adjasterhoi sugurtavi, metavonad dar mavridi jubroni zarar va halli bahsho az jonibi tashkiloti sugurtavi (aznavsugurtakuni) istifoda burda shavad.
  3. Adjasterhoi sugurtavi huquq nadorand ba sifati tashkiloti sugurtavi (aznavsugurtakuni) amaliyoti sugurtavi va aznavsuguratkuniro anjom dihand, faoliyati miyonaraviro oid ba sugurtakuni amali namoyand va dar fondhoi oinnomavii tashkiloti sugurtavi (aznavsugurtakuni) sahmguzor boshand.

Moddai 16. Assistansi sugurtavi

  1. Haqqi khizmatrasonii assistansi sugurtaviro tashkiloti sugurtavi (aznavsugurtakuni) be ishtiroki sugurtashavandagon (shakhsoni sugurtashuda) pardokht menamoyad.
  2. Assistansi sugurtavi huquq nadorad, ki ba sifati tashkiloti sugurtavi (aznavsugurtakuni) amaliyoti sugurtavi va aznavsugurtakuniro anjom dihad, faoliyati miyonaraviro oid ba sugurtakuni amali namoyad va dar fondhoi oinnomavii tashkilothoi sugurtavi (aznavsugurtakuni) sahmguzor boshad.

Moddai 17. Syurveyeri sugurtavi

  1. Syurveyeri sugurtavi faoliyati khudro mutobiqi shartnomae, ki bo tashkiloti sugurtavi (aznavsugurtakuni) yo sugurtashavanda bastaast, ijro menamoyad.
  2. Syurveyeri sugurtavi huquq nadorad, ki ba sifati tashkiloti sugurtavi (aznavsugurtakuni) amaliyoti sugurtavi va aznavsugurtakuniro anjom dihad, faoliyati miyonaraviro oid ba sugurtakuni amali namoyad va dar fondhoi oinnomavii tashkilothoi sugurtavi (aznavsugurtakuni) sahmguzor boshad.

Moddai 18. Sugurtashavanda

  1. Sugurtashavanda shartnomahoi sugurtai hatmi va ikhtiyorii manfiathoi shakhsi, molumulki va javobgarii grajdaniyu huquqi mebandad.
  2. Sugurtashavanda metavonad shartnomahoi sugurtai shakhsii shakhsoni seyumro ba manfiati okhirin (shakhsoni sugurtashuda)bandad.
  3. Baroi giriftani jubroni sugurtavi (pardokhti sugurtavi) az rui shartnomahoi sugurta sugurtashavanda huquq dorad hangomi bastani shartnomahoi sugurtai ikhtiyori va hatmi shakhsoni seyum (foidagirandagon)-ro darj namoyad, inchunin dar davomi amali shartnomai sugurtavi az rui salohdidi khud onhoro ivaz namoyad.
  4. Sugurtashavanda hangomi bastani shartnomai sugurtai ikhtiyori va hatmi huquqi intikhobi tashkiloti sugurtaviro dorad. 

BOBI 3. AMALISOZII FAOLIYATI SUGURTAVI 

Moddai 19. Hodisai sugurtavi

  1. Hangomi sugurtai hatmi va hatmii davlati namudhoi hodisahoi sugurtavi bo qonunguzorii Jumhurii Tojikiston va hangomi sugurtai ikhtiyori bo shartnomai sugurtavi muayyan karda meshavand.
  2. Daleli rukh dodani hodisai sugurtavi dar asosi hujjathoi dakhldor va digar malumot, ki boetimod budani onho boisi shubha namegardad, bo qarori sud va digar maqomot, inchunin dar holathoi zaruri dar asosi khulosai dakhldori eksperti muqarrar karda meshavad.
  3. Asosnokkunii hodisai sugurtavii rukhdoda va zarari rasonidashuda bo giriftani hujjathoi tasdiqkunandai hodisai mazkur az maqomoti dakhldor ba zimmai sugurtashavanda voguzor karda meshavad. Hangomi rukh dodani hodisai sugurtavi sugurtashavanda huquqi az tashkiloti sugurtavi (aznavsugurtakuni) talab namudani mablagi sugurtavii dakhldor (jubroni sugurtavi) va ijroi uhdadorihoi digarro paydo mekunad, ki onhoro shartnomai sugurta yo qonunguzorii Jumhurii Tojikiston peshbini namudaast, dar navbati khud az tarafi tashkiloti sugurtavi (aznavsugurtakuni) uhdadorii dakhldor ba vujud meoyad.

Moddai 20. Mablagi sugurtavi, pardokhti sugurtavi va jubroni sugurtavi

  1. Andozai mablagi sugurtavi, pardokhti sugurtavi va jubroni sugurtavi dar asosi shartnomai sugurtavi muayyan karda meshavand. Hangomi sugurtai hatmi va hatmii davlati onho naboyad az andozai muqarrarnamudai qonunguzorii Jumhurii Tojikiston kam boshand.
  2. Tartib va muhlati dodani mablagi sugurtavi, pardokhti sugurtavi va jubroni sugurtavi hangomi sugurtai ikhtiyori bo shartnomai sugurtavi muayyan karda meshavand.
  3. Hangomi sugurtai molu mulk mablagi sugurtavi nametavonad az arzishi voqeii molu mulk (arzishi sugurtavi) dar lahzai bastani shartnoma ziyod boshad. Mablagi sugurtavii dar shartnoma darjgardida mavridi bahsi tarafho qaror girifta nametavonad, ba istisnoi holathoe, ki tashkiloti sugurtavi isbot namoyad, ki sugurtashavanda onro ba ishtiboh andokhtaast. Agar mablagi sugurtavii bo shartnoma muayyanshuda az arzishi sugurtavii molu mulk (arzishi molu mulk) ziyod boshad, shartnomai sugurta dar on qismi mablagi sugurtavi, ki on az arzishi sugurtavii molu mulk (arzishi molu mulk) dar lahzai bastani shartnoma ziyod ast, etibor nadorad.
  4. Hangomi sugurtai molu mulk yo masuliyat jubroni sugurtavi naboyad az hajmi zarari voqei, ki ba sugurtashavanda (shakhsi sugurtashuda) rasidaast, ziyod boshad.
  5. Agar mablagi sugurtavi az arzishi sugurtavii molu mulk kam boshad, hajmi jubroni sugurtavi tibqi tanosubi mablagi sugurtavi ba arzishi sugurtavii molu mulk kohish meyobad, agar dar shartnomai sugurta tartibi digar  peshbini nashuda boshad.
  6. Agar molu mulk az jonibi yakchand tashkiloti sugurtavi (aznavsugurtakuni) ba on mablage, ki dar majmu az arzishi sugurtavii molu mulk ziyod ast, sugurta shuda boshad (sugurtai dukarata), jubroni sugurtavii az hamai tashkilothoi sugurtavi oid ba sugurtai mazkur giriftashavanda naboyad az arzishi sugurtavii molu mulk ziyod boshad. Dar in holat har yak tashkiloti sugurtavi (aznavsugurtakuni) jubroni sugurtaviro mutanosiban ba natijai taqsimi arzishi sugurtavii molu mulk ba mablagi sugurtavii umumi az rui hama shartnomahoi sugurta pardokht menamoyad.
  7. SHartnomai sugurtai molu mulk metavonad bo qarori tashkiloti sugurtavi (aznavsugurtakuni) ivaz namudani jubroni sugurtaviro bo jubroni zarar (purra yo qisman) dar shakli molumulki (asli) (dar doirai jubroni sugurtavi) peshbini namoyad.
  8. Tashkiloti sugurtavi (aznavsugurtakuni) huquq dorad, ki nazorati beoseb nigoh doshtani molu mulki sugurtashudaro anjom dihad va dar holati muqarrar namudani dalelhoi munosibati besarusomonona yo nigohdorii nomatlubi molu mulki sugurtashuda ba sugurtashavandagon oid ba bartaraf namudani kambudihoi oshkorgardida tainoti baroi ijro hatmi peshnihod namoyad va dar surati ijro nakardani on huquq dorad andozai mablagi sugurtaviro kam kunad.
  9. Hangomi sugurtai ikhtiyorii shakhsi mablagi sugurtavi bo shartnomai sugurtavi muayyan karda meshavad. Hangomi sugurtai ikhtiyorii shakhsi ba sugurtashavanda (shakhsi sugurtashuda, foidagiranda), novobasta ba dodani mablag az rui sugurtai ijtimoi, inchunin shartnomai sugurtavii digar yo bo tartibi jubroni zarar, pardokhti sugurtavi doda meshavad.
  10. Pardokhti mablagi sugurtavi (jubroni sugurtavi, pardokhti sugurtavi) az jonibi tashkiloti sugurtavi (aznavsugurtakuni) ba sugurtashavanda dar asosi hujjatho va khulosahoi tibbi, maqomoti sudi, taftishoti va tashkilothoi dakhldori digar anjom doda meshavad.
  11. Hangomi rukh dodani hodisai sugurtavi ba tashkiloti sugurtavi (aznavsugurtakuni), ki pardokhti jubroni sugurtaviro (pardokhti sugurtaviro) az rui shartnomai sugurtai masuliyat anjom dodaast, dar doirai in mablag huquqi talabi regressi nisbat ba shakhsi gunahkor, ki bo aybi u ba sugurtashavanda yo shakhsoni seyum ziyon (zarar) rasonida shudaast, meguzarad. Agar sugurtashavanda az davoi khud nisbat ba shakhsi mazkur yo az huquqhoe, ki ijroi in talabotro tamin menamoyand, dast kashad, dar in holat tashkiloti sugurtavi (aznavsugurtakuni) az pardokhti on qismi jubroni sugurtavi (pardokhti sugurtavi), ki boyad az in shakhs mesitonid, ozod karda meshavad.
  12. Agar sugurtashavanda yo shakhse, ki ba manfiati u pardokhti jubroni sugurtavi (pardokhti sugurtavi) anjom doda meshavad, jubroni purrai ziyonro (zararro) az shakhsi gunahkori ziyonrasonida (zararrasonida) girifta boshad, dar in surat tashkiloti sugurtavi (aznavsugurtakuni) az dodani jubroni sugurtavi (pardokhti sugurtavi) ozod megardad. Hangomi az tarafi shakhsi gunahkor qisman dodani jubroni ziyon (zarar), tashkiloti sugurtavi (aznavsugurtakuni) pardokhti jubroni sugurtaviro (pardokhti sugurtaviro) bo darnazardoshti mablage, ki shakhsi mazkur az shakhsi gunahkor giriftast, anjom medihad.

Moddai 21. Sugurtai mushtarak

  1. Hangomi mavjud budani sozishnomai dakhldor oid ba sugurtai mushtaraki bayni tashkilothoi sugurtavi (aznavsugurtakuni), yake az onho metavonand tashkilothoi digari sugurtaviro dar munosibathoi bo sugurtashavandagon doshtaashon muarrifi namoyand va dar nazdi okhirin tanho az rui hissai khud masul monand.
  2. Hangomi sugurtai mushtarak sharthoi shartnomai sugurta tibqi qoidahoi sugurtai tashkiloti sugurtavi (aznavsugurtakuni) muayyan karda meshavand, ki ba khud vazifaho va salohiyati tashkiloti sugurtavii peshbarro bo sharthoi muayyankardai shartnomai sugurtai mushtarak qabul kardaast. Tashkilothoi sugurtavii (aznavsugurtakunii) dar shartnomai sugurtai mushtarak shirkatkunanda huquq dorand shartnomahoi sugurtaviro bo sharthoi digar, ki dar qoidahoi onho az rui namudi sugurtai mazkur peshbini nashudaast, bandand.
  3. Dar sugurtai mushtarak ishtiroki on tashkiloti sugurtavi (aznavsugurtakuni), ki dar ijozatnomai u namudi sugurtai mazkur darj nagardidaast, man ast.

Moddai 22. Aznavsugurtakuni

  1. Tashkiloti sugurtavi (aznavsugurtakuni) huquq dorad ijroi qismi uhdadorihoi khudro oid ba sugurtakuni dar tashkiloti sugurtavii (aznavsugurtakunii) digar bo rohi aznavsugurtakuni tamin namoyad.
  2. Aznavsugurtakuni ba namudhoi mutanosib va nomutanosib taqsim meshavad. Mavjud budani ijozatnomai aznavsugurtakuni ba sohibi ijozatnoma huquq medihad, ki faoliyatro dar samti aznavsugurtakunii mutanosib va nomutanosib amali namoyad.
  3. Hangomi aznavsugurtakunii mutanosib tashkiloti aznavsugurtakuni ba zimmai khud uhdadori qabul menamoyad, ki pardokhti jubroni sugurtaviro (pardokhti sugurtaviro) hangomi farorasii sharthoi bo shartnomai sugurtavii dakhldor peshbinishuda dar hajmi mutanosibi hissahoi uhdadorihoi sugurtavi, ki az tashkiloti sugurtavi (sedent) az rui shartnomai aznavsugurtakuni qabul kardaast, anjom dihad.
  4. Hangomi aznavsugurtakunii nomutanosib tashkiloti aznavsugurtakuni ba zimmai khud uhdadori qabul menamoyad, ki pardokhti jubroni sugurtavii (pardokhti sugurtavii) hajmi zararro ba andozai ziyoda az miqdori mablaghoi nigohdorii khudii tashkiloti sugurtavi (sedent) dar holati ba amal omadani sharthoi bo shartnomai sugurtavii dakhldor peshbinishuda amali namoyad.
  5. Munosibati bayni tashkiloti sugurtavi (aznavsugurtakuni), ki qismi masuliyati khudro medihad va tashkiloti sugurtavie (aznavsugurtakunie), ki masuliyati mazkurro ba zimma megirad, tibqi shartnomai aznavsugurtakuni ba tanzim darovarda meshavad. Dar in mavrid uhdadorii tashkiloti sugurtavi (sedent) dar nazdi sugurtashavanda purra boqi memonad.
  6. Suporidani minbadai qismi khavfi pardokht az rui shartnomai aznavsugurtakuni az jonibi tashkiloti aznavsugurtakuni ba tashkilothoi aznavsugurtakunii digar ijozat doda meshavad.
  7. Aznavsugurtakuni baroi tashkilothoi sugurtavi (aznavsugurtakuni), ki uhdadorihoi sugurtavii qabulnamudaro az hisobi mablaghoi khudi ruypush karda nametavonand, hatmi meboshad.
  8. Aznavsugurtakunii khavfhoro ham dar tashkilothoi sugurtavii (aznavsugurtakunii) Jumhurii Tojikiston va ham dar tashkilothoi sugurtavii (aznavsugurtakunii) khoriji bo tartibi muqarrarnamudai Qonuni mazkur anjom dodan mumkin ast.
  9. Sugurtai hatmii davlati bo aznavsugurtakuni faro girifta nameshavad.
  10. Tashkilothoi sugurtavii (aznavsugurtakunii) dar Jumhurii Tojikiston amalkunanda (mushtarak yo purra bo sarmoyai khoriji tasisyofta) huquqi qabul namudani khavfro ba aznavsugurtakuni az rui namudhoi sugurtae, ki baroi amali namudani onho ijozatnoma giriftaand, dorand.
  11. Aznavsugurtakuni ba tarzi fakultativi (ikhtiyori) va obligatori (hatmi) amali megardad:

– hangomi aznavsugurtakunii fakultativi (ikhtiyori) tashkiloti sugurtavi (sedent) va tashkiloti aznavsugurtakuni bo uhdadorihoi shartnomavii peshaki aloqamand nestand. Qaror dar borai zarurat va hajmi aznavsugurtakuni, inchunin oid ba dodani khavfho ba aznavsugurtakuni az tarafi tashkiloti sugurtavi (sedent) va tashkiloti aznavsugurtakuni az rui har yak khavf bo tartibi alohida qabul karda meshavad. Aznavsugurtakunii ikhtiyori dar surate istifoda burda meshavad, agar khavfi ba aznavsugurtakuni dodashavanda tibqi shartnomai aznavsugurtakunii amalkunanda pushonida nashavad;

– aznavsugurtakunii obligatori (hatmi) tibqi shartnoma amali gardida, dar asosi on yak shakhs (tashkiloti aznavsugurtakuni) muvofiqi mablagi muayyangardida, yane mukofoti aznavsugurtakuni (haqqi aznavsugurtakuni) uhdador megardad, ki hissai khavfi muqarrarshudai shakhsi digarro (tashkiloti sugurtakuniro, aznavsugurtashavandaro) ba  masuliyati khud girad.

  1. Tashkilothoi sugurtavii vatani dar holati mavjud nabudani tashkilothoi aznavsugurtakuni dar Jumhurii Tojikiston huquq dorand na kamtar az 5 foizi khavfhoi az rui shartnomahoi asosii sugurta dar tashkilothoi aznavsugurtakunii khoriji qabulshudaro, ki reytingi balandi baynalmilali dorand, az nav sugurta kunand.

Moddai 23. Sugurtai jamshavanda

  1. Sugurtai rukh dodani voqeai muayyan dar hayoti shakhsi sugurtashuda hangomi ba vuqu omadani hodisai peshaki darjgardida amalisozii pardokhti sugurtaviro ba andozai mablagi muqarrarshuda peshbini menamoyad.
  2. Sugurtai hayot bo ishtiroki sugurtashavanda dar daromadi sarmoyaguzorii tashkiloti sugurtavi (aznavsugurtakuni) majmui namudhoi sugurtai jamshavanda meboshad, ki anjomdihii pardokhti sugurtaviro bo mablagi qaydshuda yo pardokhthoi sugurtaviro bo namudi nafaqa yo annuitet (renta) dar holathoi favti shakhsi sugurtashuda yo dar davomi zindagii u to ba okhir rasidani muhlati sugurta yo to sinnu soli dar shartnomai sugurta muayyangardida ba on sharte, ki sugurtashavanda (shakhsi sugurtashuda, foidagiranda) dar foidai dar natijai faoliyati mablagguzori, afzoishi mablagi sugurtavi va voridshavii mukofoti sugurtavii (haqqi sugurtavii) ilovagi tashkiloti sugurtavi badastoranda shirkat mevarzad, peshbini menamoyad. Tartibi ishtiroki shakhsi sugurtashuda (foidagiranda) dar daromade, ki tashkiloti sugurtavi dar natijai faoliyati sarmoyaguzori (mablagguzori) ba dast meorad, bo tartibi muqarrarnamudai qonunguzorii Jumhurii Tojikiston muayyan karda meshavad.

Moddai 24. Mukofoti sugurtavi (haqqi sugurtavi)

  1. Mukofoti sugurtavi (haqqi sugurtavi)-ro sugurtashavanda bo puli millii Jumhurii Tojikiston, ba istisnoi holathoi peshbininamudai qonunguzorii Jumhurii Tojikiston, pardokht menamoyad.
  2. Andozai mukofoti sugurtavi (haqqi sugurtavi) az rui shartnomai sugurtai ikhtiyori tibqi mablagi sugurtavi, ki sugurtashavanda bo tashkiloti sugurtavi muvofiqa kardaand, muayyan karda meshavad.
  3. Andozai mukofoti sugurtavi (haqqi sugurtavi) az rui sugurtai hatmii davlati bo qonunguzorii Jumhurii Tojikiston muqarrar karda meshavad.
  4. Andozai mukofoti sugurtavi (haqqi sugurtavi) az rui sugurtai hatmi az jonibi tashkiloti sugurtavi tibqi dasturamali tasdiqnamudai u baroi har yak namudi mushakhkhasi sugurtai hatmi, ki bo maqomi nazorati sugurtavi muvofiqa gardidaast, muayyan karda meshavad. (QJT az 02.01.18 s., №1487)
  5. Tartibi hisobkuni va pardokhti haqqi sugurtaviro hangomi sugurtai ikhtiyori va hatmi tashkiloti sugurtavi bo rozigii sugurtashavanda dar asosi shartnoma muqarrar menamoyad.
  6. Korfarmoyon – shakhsoni huquqi uhdadorand bo suporishi kormandoni khud, ki shartnomai sugurtai ikhtiyorii az hodisahoi nokhush yo hayotro bastaand, az hisobi muzdi mehnati onho (daromadashon) haqqi sugurtaviro nigoh doshta, ba surathisobi tashkiloti sugurtavi guzaronand.
  7. Tashkiloti sugurtavi huquq dorad, ki hangomi ziyodshavii khavfi rukh dodani hodisai sugurtavii obekti sugurtashuda, bo rozigii sugurtashavanda andozai haqqi sugurtaviro baland namoyad, agar hududi jadvali haqqi sugurtavi (tarifho) chunin imkoniyatro doda tavonad.

Moddai 25. Tarifi sugurtavi

  1. Tarifi sugurtavi hamchun meyori andozai haqqi sugurtavi mustaqilona az jonibi tashkiloti sugurtavi bo nazardoshti obekti sugurta va khususiyati khavfi sugurtavi muayyan karda meshavad.
  2. Tashkilothoi sugurtavi uhdadorand tarifhoi sugurtavii az lihozi aktuari (iqtisodi) asosnokshudaro, ki tibqi uslubi bahisobgirii tarifhoi sugurtavi anjom doda meshavand, istifoda namoyand.
  3. Talabot nisbat ba uslubi bahisobgirii tarifhoi sugurtavi, az jumla ba tarkib va mazmun, tarz va prinsiphoi bahisobgirii tarifhoi sugurtavi (andozai tarifhoi asosi va koeffitsienti onho yo ifodai nihoii koeffitsienthoi nishondodashuda) az rui namudhoi sugurta, nisbat ba tartibi istifodai malumoti omori az rui namudhoi sugurtaro maqomi nazorati sugurtavi muqarrar menamoyad. (QJT az 02.01.18 s., №1487)

BOBI 4. TAMINI USTUVORII MOLIYAVIYU IQTISODI VA PARDOHTPAZIRII TASHKILOTHOI SUGURTAVI (AZNAVSUGURTAKUNI) 

Moddai 26. SHarthoi tamini ustuvorii moliyaviyu iqtisodi va pardokhtpazirii

tashkilothoi sugurtavi (aznavsugurtakuni)

  1. Kafolathoi tamini ustuvorii moliyavi va pardokhtpazirii tashkilothoi sugurtavi (aznavsugurtakuni) tarifhoi sugurtavii az jihati iqtisodi asosnokshuda, zakhirahoi sugurtavii kofi baroi ijroi uhdadoriho (oid ba sugurtakuni, sugurtai mushtarak, aznavsugurtakuni va sugurtai mutaqobila), mablaghoi khudi (sarmoya), aznavsugurtakuni meboshand.
  2. Mablaghoi khudii (sarmoyai) tashkilothoi sugurtavi va aznavsugurtakuni (ba istisnoi jamiyathoi sugurtavii mutaqobila) sarmoyai oinnomavi, sarmoyai zakhiravi, sarmoyai ilovagi, fondi havasmandgardoni, inchunin foidai taqsimnashudaro dar bar megirand.
  3. Tashkilothoi sugurtavi (aznavsugurtakuni) boyad mablaghoi khudiro (sarmoyaro) dar asosi sharthoi gunogunshakli, bozorgiri, bargardoni va daromadnoki sarmoyaguzori (mablagguzori) namoyand.
  4. Maqomi nazorati sugurtavi vobasta ba takhassusi tashkilothoi sugurtavi (aznavsugurtakuni) va khususiyati sharthoi namudhoi sugurta, nomgui doroii baroi sarmoyaguzori ijozatdodashuda, inchunin tartibi sarmoyaguzorii mablaghoi zakhirahoi sugurtaviero, ki talaboti peshbinishudaro ba emitenthoi kogazhoi qimatnok yo barorishi kogazhoi qimatnok, ba tarkibi doroie, ki joygirshavii mablaghoi khudi dar on ijozat doda shudaast, muqarrar menamoyad. (QJT az 02.01.18 s., №1487)
  5. Sarmoyaguzorii mablaghoi khudi az jonibi tashkilothoi sugurtavi (aznavsugurtakuni) mustaqilona yo ba tarzi dodani qismi mablagho ba idorakunii ba bovari asosyoftai tashkiloti idorakunanda anjom doda meshavad.
  6. Tashkilothoi sugurtavi va aznavsugurtakuni (ba istisnoi jamiyathoi sugurtavii mutaqobila) boyad doroi sarmoyai (fondi) oinnomavii haddi aqalli purra bo puli millii Jumhurii Tojikiston pardokhtshuda boshand, ki andozai onro Hukumati Jumhurii Tojikiston muqarrar menamoyad.
  7. Tashkilothoi sugurtavi (aznavsugurtakuni) uhdadorand talaboti ustuvorii moliyavi va pardokhtpaziriro dar qismati tashakkulyobii zakhirahoi sugurtavi, tartib va sharthoi sarmoyaguzorii (mablagguzorii) mablaghoi khudi (sarmoya) va mablaghoi zakhirahoi sugurtavi, tanosubi meyorii mablaghoi khudi (sarmoya) va uhdadorihoi qabulkarda, inchunin digar talabotro, ki Qonuni mazkur va sanadhoi meyorii maqomi nazorati sugurtavi muqarrar kardaand, rioya namoyand. (QJT az 02.01.18 s., №1487)
  8. Tartibi hisobkunii tanosubi meyorii mablaghoi khudi (sarmoya) va uhdadorihoi qabulnamudai (az jumla, muayyansozii nishondihandahoi baroi chunin hisobkuni istifodashavanda) tashkiloti sugurtavi (aznavsugurtakuni) az jonibi maqomi nazorati sugurtavi muqarrar karda meshavad. (QJT az 02.01.18 s., №1487)
  9. Dar holati az tarafi tashkiloti sugurtavi (aznavsugurtakuni) rioya nagardidani tanosubi meyorii mablaghoi khudi (sarmoya) va uhdadorihoi ba zimmagirifta tashkiloti mazkur uhdador ast, ba maqomi nazorati sugurtavi naqshai solimgardonii vazi moliyaviro peshnihod namoyad, ki nisbat ba on talaboti maqomi nazorati sugurtavi muqarrar megardad. (QJT az 02.01.18 s., №1487)

Moddai 27. Zakhirahoi sugurtavi

  1. Baroi tamini ijroi uhdadoriho oid ba sugurtakuni, aznavsugurtakuni va sugurtai mutaqobila tashkilothoi sugurtavi (aznavsugurtakuni) zakhirahoi sugurtaviro tashkil medihand.
  2. Tashakkulyobii zakhirahoi sugurtavi bo maqsadi anjomdihii pardokhthoi sugurtavii (jubronhoi sugurtavii) minbada az rui shartnomahoi sugurtakuni, aznavsugurtakuni va ijroi amalhoi digar tibqi shartnomahoi mazkur (uhdadorihoi sugurtavi) boyad ba arzyobii aktuarii uhdadorihoi tashkilothoi sugurtavi (aznavsugurtakuni) asos yobad.
  3. Tashkiloti sugurtavi uhdador ast mablaghoi zakhiravii sugurtaviro bo sharthoi diversifikatsiya, bozorgiri, bargardoni va daromadnoki bo tartibi tasdiqnamudai maqomi nazorati sugurtavi sarmoyaguzori yo bo tarzi digar joygir namoyad. Tashkilothoi sugurtavi huquq nadorand mablaghoi zakhiravii sugurtaviro baroi sarmoyaguzorii vekselhoi shakhsoni voqei va huquqi joygir namoyand va az hisobi mablaghoi zakhiravii sugurtavi qarz dihand. (QJT az 02.01.18 s., №1487)
  4. Sarmoyaguzorii mablaghoi zakhiravii sugurtaviro tashkilothoi sugurtavi mustaqilona yo bo rohi dodani qismi mablagho ba idorakunii ba bovari asosyoftai tashkiloti idorakunanda anjom medihand.
  5. Tashakkulyobii zakhirahoi sugurtavi az jonibi tashkilothoi sugurtavi (aznavsugurtakuni) bo tartib va meyorhoi tarhi hissajudokuniho ba fondhoi zakhiravii sugurtavii muqarrarnamudai Hukumati Jumhurii Tojikiston amali megardad.
  6. Mablaghoi zakhirahoi sugurtavi tanho baroi ijroi uhdadorihoi sugurtavi istifoda megardand.

Moddai 28. Intiqoli portfeli sugurtavi

  1. Tashkiloti sugurtavi (aznavsugurtakuni) metavonad va dar holathoi peshbininamudai qonunguzorii Jumhurii Tojikiston vazifador ast uhdadorihoro az rui shartnomahoi sugurta (portfeli sugurtavi) ba yak yo yakchand tashkiloti sugurtavi (aznavsugurtakuni), ba istisnoi jamiyathoi sugurtavii mutaqobilai ba talaboti ustuvorii moliyavi va pardokhtpaziri javobgu, bo nazardoshti uhdadorihoi aznavqabulshuda va doroi ijozatnoma oid ba amalisozii namudhoi sugurta, ki az rui onho portfeli sugurtavi (ivazi tashkiloti sugurtavi (aznavsugurtakuni) intiqol doda meshavad, suporad.
  2. Purra yo qisman intiqol namudani portfel be rozigii peshakii maqomi nazorati sugurtavi ba jo ovarda nameshavad. Hangomi intiqol namudani portfeli sugurtavi va guzasht namudani sozishnoma ba tashkiloti sugurtavii (aznavsugurtakunii) digar huquqi sugurtashavandagon naboyad khalaldor gardad. (QJT az 02.01.18 s., №1487)
  3. Ba tarkibi portfeli sugurtavii intiqolshavanda dokhil meshavand:

– uhdadoriho az rui shartnomahoi sugurta, ki ba zakhirahoi sugurtavii tashakkulyofta muvofiq meboshand;

– doroie, ki baroi pushonidani zakhirahoi sugurtavii tashakkulyofta qabul gardidaast.

  1. Asoshoi intiqoli portfeli sugurtavi ba tashkiloti sugurtavi (aznavsugurtakuni) chunin meboshand:

– bozkhondi ijozatnomai tashkiloti sugurtavi (aznavsugurtakuni)  baroi amali namudani faoliyati sugurtavi bo tashabbusi maqomi nazorati  sugurtavi;  (QJT az 02.01.18 s., №1487)

– rioya nashudani talaboti muqarrargardidai ustuvorii moliyavi va pardokhtpaziri az jonibi tashkiloti sugurtavi (aznavsugurtakuni), ki ba badshavii vazi moliyavii on ovarda merasonad, agar intiqoli portfeli sugurtavi bo naqshai barqarorsozii pardokhtpazirii tashkiloti sugurtavi (aznavsugurtakuni) peshbini shuda boshad;

– qabuli qaror az tarafi tashkiloti sugurtavi (aznavsugurtakuni) oid ba aznavtashkilkuni yo barhamdihi;

– qabuli qaror az tarafi tashkiloti sugurtavi (aznavsugurtakuni) oid ba ikhtiyoran rad kardani amalisozii faoliyati sugurtavi yo namudhoi  alohidai sugurtakuni;

– asoshoi digare, ki qonunguzorii Jumhurii Tojikiston  peshbini namudaast.

  1. Intiqoli portfeli sugurtavi dar asosi shartnoma oid ba intiqoli portfeli sugurtavii bayni tashkiloti sugurtavii (aznavsugurtakunii) intiqoldihandai portfeli sugurtavi va tashkiloti sugurtavii (aznavsugurtakunii) qabulkunandai portfeli sugurtavi bastashuda, inchunin sanadi qabulu intiqoli portfeli sugurtavi anjom doda meshavad. Talabot ba mazmuni shartnoma va sanadi qabulu intiqoli zikrgardida az jonibi maqomi nazorati sugurtavi muqarrar karda meshavad. (QJT az 02.01.18 s., №1487)
  2. Tashkiloti sugurtavii (aznavsugurtakunii) intiqoldihandai portfeli sugurtavi dar somonai khud khabarnomaro oid ba maqsadi intiqoldihii portfeli sugurtavi joygir menamoyad, inchunin in khabarnomaro dar nashriyahoi muayyannamudai maqomi nazorati sugurtavi nashr menamoyad. (QJT az 02.01.18 s., №1487)
  3. Rad kardani ivazkunii tashkiloti sugurtavi (aznavsugurtakunii) ba qatshavii pesh az muhlati shartnomai sugurtavi va ba sugurtashavanda bargardonidani qismi mukofoti sugurtavii (haqqi sugurtavii) mutanosiban ba farqi bayni muhlati shartnomai sugurta bastashuda va muhlate, ki dar davomi on shartnomai mazkur amal kardaast yo ba pardokhti mablagi kharidashavanda az rui shartnomai sugurtai hayot anjom meyobad.
  4. Tashkiloti sugurtavie (aznavsugurtakunie), ki portfeli sugurtaviro qabul menamoyad, uhdador ast:

– sanjishi mutobiqati shartnomahoi sugurtaviro ba qonunguzorii Jumhurii Tojikiston muvofiqi uhdadorihoi qabulnamudai tashkiloti mazkur az rui shartnoma oid ba intiqoli portfeli sugurtavi tashkil namoyad;

– ba tashkiloti sugurtavii (aznavsugurtakunii) intiqoldihandai portfeli sugurtavi malumotro dar borai faoliyat va vazi moliyavii khud peshnihod namoyad;

– ba tashkilothoi aznavsugurtakuni oid ba ivazkunii aznavsugurtashavanda dar shartnomahoi aznavsugurtakunii az jonibi tashkiloti sugurtavi (aznavsugurtakuni) bastashuda, ki intiqoldihandai portfeli sugurtavi ast va ba zimmai tashkiloti qabulkunanda guzashtani ijroi uhdadorihoi shartnomahoi sugurtavii dar portfeli sugurtavii intiqolshuda dokhil gardidaand, khabar medihad;

– amaliyoti digarro, ki az shartnoma oid ba intiqoldihii portfeli sugurtavi barmeoyad, ijro menamoyad.

Moddai 29. Bahisobgiri va hisobot

  1. Tashkilothoi sugurtavi (aznavsugurtakuni) bahisobgirii muhosibavi, hisoboti muhosibavi (moliyavi), hisoboti omori, inchunin hisoboti digari baroi amalisozii nazorat dar sohai faoliyati sugurtavi zarurro (minbad – hisobot bo tartibi nazorat) anjom medihand.
  2. Dar hisobot bo tartibi nazorat malumoti zerin darj megardand:

– tanosubi meyorii mablaghoi khudii (sarmoyai) tashkiloti sugurtavi (aznavsugurtakuni) va uhdadorihoi qabulgardida;

– tarkib va andozai zakhirahoi sugurtavii tashakkulyofta va natijahoi tagyiryobii onho;

– tarkib va sokhtori doroie, ki dar on mablaghoi khudii (kapitali) tashkiloti sugurtavi (aznavsugurtakuni) joygir shudaand;

– tarkib va sokhtori doroie, ki dar on mablaghoi zakhirahoi sugurtavii tashkiloti sugurtavi (aznavsugurtakuni) joygir shudaand;

– amaliyot oid ba aznavsugurtakuni bo nishon dodani malumot dar borai aznavsugurtashavanda va tashkiloti aznavsugurtakuni;

– sokhtori natijai moliyavii faoliyati tashkiloti sugurtavi (aznavsugurtakuni) az rui namudhoi alohidai sugurtakuni;

– hayati sahmdoron (ishtirokchiyon) va hissai onho dar sarmoyai oinnomavii tashkiloti sugurtavi (aznavsugurtakuni);

– malumoti digare, ki bo sanadhoi meyorii huquqii maqomi nazorati sugurtavi peshbini gardidaast.  (QJT az 02.01.18 s., №1487)

  1. Talaboti bahisobgirii muhosibii amaliyot oid ba sugurtakuni, sugurtai mushtarak, aznavsugurtakuni va sugurtai mutaqobila (az jumla khususiyathoi istifodai naqshai hisobhoi bahisobgirii muhosibi), inchunin khususiyathoi tashakkulyobii malumoti dar hisoboti muhosibii (moliyavii) tashkilothoi sugurtavi (aznavsugurtakuni) kushodashavanda, az jumla, namunahoi shaklhoi hisobothoi muhosibi (moliyavi) bo qonunguzorii Jumhurii Tojikiston muqarrar megardand.
  2. Tashkilothoi sugurtavi (aznavsugurtakuni) hisoboti omori va hisobot oid ba nazoratro az rui shakl va tartibi az jonibi maqomi nazorati sugurtavi muqarrarshuda tahiya menamoyand va in hisobotho ba maqomi nazorati sugurtavi peshnihod megardand. (QJT az 02.01.18 s., №1487)
  3. Tashkilothoi sugurtavi (aznavsugurtakuni) hisobothoi muhosibiro (moliyaviro) mutobiqi qonunguzorii Jumhurii Tojikiston murattab mesozand.
  4. Brokerhoi sugurtavi hisobothoi omoriro az rui shakl va bo tartibe, ki maqomi nazorati sugurtavi muqarrar kardaast, tahiya namuda, onhoro ba maqomi nazorati sugurtavi peshnihod menamoyand.  (QJT az 02.01.18 s., №1487)
  5. SHart va shakli peshnihodi hisobothoi tashkilothoi sugurtavi (aznavsugurtakuni) va brokerhoi sugurtaviro dar shakli hujjathoi elektroni va tanosubi nazoratii nishondihandai onro maqomi nazorati sugurtavi muqarrar namuda, ba malumoti tashkilothoi sugurtavi (aznavsugurtakuni) va brokerhoi sugurtavi na dertar az ruzi okhirini davrai hisobotii dakhldor bo rohi joygir namudani malumoti mazkur dar somonai rasmii khud anjom medihad. (QJT az 02.01.18 s., №1487)
  6. Tashkiloti boloii sugurtavii guruhhoi sugurtavi uhdador ast ba maqomi nazorati sugurtavi hisobot oid ba tartibi  nazoratro dar asosi muttahidgardoni az rui shakl, tartib va dar muhlate, ki onhoro maqomi nazorati sugurtavi muqarrar kardaast, peshnihod namoyad.  (QJT az 02.01.18 s., №1487)
  7. Maqomi nazorati sugurtavi dar somonai rasmii khud malumoti majmui oid ba faoliyat va hisoboti subekthoi faoliyati sugurtaviro joygir menamoyad. (QJT az 02.01.18 s., №1487)

Moddai 30. Nazorati dokhili

  1. Tashkiloti sugurtavi (aznavsugurtakuni) uhdador ast nizomi nazorati dokhilii taminkunandai noilshavi ba maqsadhoi zerinro tashkil kunad:

– samaranoki va natijagirii (az jumla, bezararii) faoliyati moliyaviyu khojagidorii tashkiloti sugurtavi (aznavsugurtakuni) hangomi ijro namudani  amaliyoti sugurtavi va amaliyoti digar;

– samaranokii idorakunii doroiho, az jumla tamini hifzi onho, mablaghoi khudi (sarmoya), zakhirahoi sugurtavi va uhdadorihoi digari tashkiloti sugurtavi (aznavsugurtakuni);

– samaranokii idorakunii khavfhoi tashkiloti sugurtavi va aznavsugurtakuni (oshkorsozi, arzyobii khavfho, muayyansozii  darajai kofii khavfhoi bazimmagiriftai tashkiloti sugurtavi (aznavsugurtakuni), chorajui oid ba nigohdorii sathi khavfho, ki ba ustuvorii moliyavi va pardokhtpazirii tashkiloti sugurtavi (aznavsugurtakuni) tahdid namekunad);

– boetimodi, purragi, voqeiyati hisobothoi muhosibi (moliyavi), hisoboti omori, hisobot oid ba tartibi nazorat, tahiya va peshnihodi sarivaqtii chunin hisobot;

– rioyai qoidahoi odob, prinsiphoi kasbiyat va salohiyatnoki az  jonibi kormandoni tashkiloti sugurtavi (aznavsugurtakuni);

– muqovimat ba qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm tibqi qonunguzorii Jumhurii Tojikiston.

  1. Mutobiqi vakolathoi muayyannamudai hujjathoi tasisi va hujjathoi dokhilii tashkiliyu farmoishii tashkiloti sugurtavi (aznavsugurtakuni) nazorati dokhiliro anjom medihand:

– maqomoti idorakunii tashkiloti sugurtavi (aznavsugurtakuni);

– sarmuhosibi tashkiloti sugurtavi (aznavsugurtakuni)  (muovinoni u);

– auditori dokhilii (khadamoti auditi dokhilii) tashkiloti sugurtavi (aznavsugurtakuni);

– shakhsi mansabdor, sokhtori tarkibii baroi rioyai qoidahoi nazorati dokhili va tatbiqi barnomaho oid ba amalisozii onho masul, ki tibqi Qonuni Jumhurii Tojikiston «Dar borai muqovimat ba qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm» tahiya gardidaand;

– aktuariy;

– kormandon va sokhtorhoi tarkibii digari tashkiloti sugurtavi (aznavsugurtakuni) mutobiqi vakolathoi bo hujjathoi dokhilii tashkiliyu farmoishii tashkiloti sugurtavi (aznavsugurtakuni) muayyangardida.

Moddai 31. Auditi dokhili

  1. Bo maqsadi tamini sathi zarurii boetimodii nazorati dokhili, arzyobii samarai on va sanjishi mutobiqati faoliyati tashkiloti sugurtavi (aznavsugurtakuni) ba qonunguzorii Jumhurii Tojikiston, qoida va standarthoi ittihodiyahoi tashkilothoi sugurtavi (aznavsugurtakuni) ba muqarraroti hujjathoi dokhilii tashkiliyu farmoishi tashkiloti sugurtavi (aznavsugurtakuni) auditi dokhiliro tashkil namuda, bo in maqsad shakhsi mansabdorro tain menamoyad va yo sokhtori tarkibiro tasis medihad.
  2. Bo maqsadi tasisi auditi dokhili tashkiloti sugurtavi (aznavsugurtakuni) nizomnoma dar borai tashkil va amalisozii auditi dokhiliro tasdiq menamoyad, ki on iborat ast az:

– maqsad va vazifahoi auditi dokhili;

– obekthoi auditi dokhili mutobiqi shaklhoi idorakunii khavfhoi tashkiloti sugurtavi (aznavsugurtakuni);

– shaklu usulhoi auditi dokhili;

– tartibi amali auditori dokhili, khadamoti auditi dokhili hangomi oshkorsozii norasoivu kambudiho dar faoliyati tashkiloti sugurtavi (aznavsugurtakuni);

– tarkibi hisobot oid ba natijahoi sanjishhoi guzaronidashuda, shaklu tartibi peshnihodi on;

– tartibi amalisozii nazorat (az jumla, guzaronidani sanjishhoi takrori) oid ba andeshidani tadbirho jihati bartaraf namudani norasoivu kambudihoi oshkorkardai auditori dokhili, khadamoti auditi dokhili dar faoliyati tashkiloti sugurtavi (aznavsugurtakuni);

– tartibi ittilootonii sahmdoroni (ishtirokchiyoni) tashkiloti sugurtavi, azoi jamiyati sugurtakunii mutaqobila doir ba norasoihoi az jonibi maqomoti idorakunii tashkiloti sugurtavi rohdodashuda, hangomi qabuli qarorho oid ba masalahoi mansub ba salohiyati majlisi umumii sahmdoroni (ishtirokchiyon) tashkiloti sugurtavi, inchunin majlisi umumii azoi jamiyati sugurtai mutaqobila;

– vakolat, huquq va uhdadorihoi auditori dokhili, khadamoti auditi dokhili;

– shakl va tartibi arzyobii khavfho va samaranoki idorakunii khavfho;

– tartibi amali namudani arzyobii maqsadnok va bosamar budani amaliyot va muomiloti anjomyobanda;

– shakl va tartibi amali namudani sanjishi tamini nigohdorii doroi;

– shakl va tartibi ishtirok dar guzaronidani tahlili holati moliyavii tashkiloti sugurtavi (aznavsugurtakuni);

– muqarraroti digare, ki ba qonunguzori Jumhurii Tojikiston mukholifat namekunand.

  1. Nizomnoma dar borai auditi dokhiliro SHuroi direktoroni (SHuroi nazoratii) tashkiloti sugurtavi yo dar holati nabudani on, majlisi umumii sahmdoroni (ishtirokchiyoni) tashkiloti sugurtavi, majlisi umumii azoi jamiyati sugurtai mutaqobila tasdiq menamoyad.
  2. Auditori dokhili va rohbari khadamoti auditi dokhili dar asosi qarori SHuroi direktoroni (SHuroi nazoratii) tashkiloti sugurtavi, rayosati jamiyati sugurtai mutaqobila ba vazifa tayin va az vazifa ozod megardand va ba  SHuroi direktoroni (SHuroi nazoratii) tashkiloti sugurtavi, majlisi umumii azoi jamiyati sugurtai mutaqobila tobe va hisobotdihanda meboshand yo dar holati mavjud nabudani SHuroi direktoroni (SHuroi nazoratii) tashkiloti sugurtavi dar asosi qarori majlisi umumii sahmdoroni (ishtirokchiyoni) tashkiloti sugurtavi ba vazifa tayin va az vazifa ozod gardida, ba majlisi umumii sahmdoroni (ishtirokchiyoni) tashkiloti sugurtavi tobe va hisobotdihanda meboshand.
  3. Ba shakhsi ba vazifai auditori dokhili yo rohbari khadamoti auditi dokhili tayinshuda dar du (chand) vazifa kor kardan ijozat doda nameshavad.
  4. Auditori dokhili va rohbari khadamoti auditi dokhili metavonand ba hayati komissiyai sanjishii tashkiloti sugurtavi (aznavsugurtakuni) shomil gardand.
  5. Auditori dokhili, rohbar va kormandoni khadamoti auditi dokhili, ki peshtar vazifahoro dar sokhtorhoi digari tarkibii tashkiloti sugurtavi (aznavsugurtakuni) ishgol menamudand, metavonand bad az guzashtani duvozdah moh az ruzi khotimayobii kor dar in sokhtorhoi tarkibi dar sanjishi faoliyati sokhtorhoi mazkur shirkat varzand.
  6. Auditori dokhili, khadamoti auditi dokhili vakolathoi zerinro amali menamoyand:

– sanjish va tamini samarai faoliyati nizomi nazorati dokhilii tashkiloti sugurtavi (aznavsugurtakuni);

– sanjishi mutobiqati faoliyati tashkiloti sugurtaviro (aznavsugurtakuniro) ba qonunguzorii Jumhurii Tojikiston, qoidaho va standarthoi ittihodiyahoi tashkilothoi sugurtavi (aznavsugurtakuni), hujjathoi tasisi va dokhilii tashkiliyu-farmoishii tashkiloti sugurtavi (aznavsugurtakuni);

– sanjishi rioyai qoidahoi nazorati dokhili va tatbiqi barnomahoi amalisozii on az jonibi tashkiloti sugurtavi (aznavsugurtakuni), ki tibqi Qonuni Jumhurii Tojikiston «Dar borai muqovimat ba qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va  mablagguzorii terrorizm» tahiya gardidaand;

– sanjishi etimodnoki, purragi, voqeiyati hisobot yo malumoti digari darkhostshavanda va peshnihodi sarivaqtii  on az jonibi sokhtorhoi tarkibii tashkiloti sugurtavi (aznavsugurtakuni)  (az jumla, muassisahoi mustaqil) ba maqomoti idorakunii tashkiloti sugurtavi (aznavsugurtakuni) va sahmdoroni (ishtirokchiyoni) tashkiloti sugurtavi (aznavsugurtakuni);

– tahlili sababhoi roh dodan ba kambudivu norasoiho dar natijai sanjishi faoliyati tashkiloti sugurtavi (aznavsugurtakuni) oshkorgardida;

– dodani tavsiya oid ba peshgirii kambudivu norasoiho, ki dar natijai sanjishi qablii faoliyati tashkiloti sugurtavi (aznavsugurtakuni) kambudivu norasoihoi ba in monand oshkor gardida budand;

– arzyobii khavfho va samaranokii idorakunii onho;

– amalisozii arzyobii maqsadnok va bosamari amaliyotu muomilot;

– amalisozii sanjishi tamini nigohdorii doroi;

– shirkat dar tahlili  vazi moliyavii tashkiloti sugurtavi (aznavsugurtakuni) va tahiyai nomgui chorabini oid ba peshgiri az muflisshavi;

– muvofiqasozii hisobotho, az jumla hisobothoi fosilavi oid ba ijroi har yak chorabini, ki tibqi naqshai barqarorsozii pardokhtpazirii tashkiloti sugurtavi (aznavsugurtakuni) peshbini gardidaast;

– amalisozii sanjishi etimodnoki, purragi, voqeiyati hisobotu malumotho bo nazardoshti naqshai barqarorsozii pardokhtpazirii tashkiloti sugurtavi (aznavsugurtakuni) va hisobotho, az jumla hisobothoi fosilavi oid ba ijroi har yak chorabinii bo naqshai barqarorsozii pardokhtpazirii tashkiloti sugurtavi (aznavsugurtakuni) peshbinishuda ba maqomi nazorati sugurtavi va maqomoti ijroiyai hokimiyati davlati, inchunin nazorati peshnihodi sarivaqtii onho.  (QJT az 02.01.18 s., №1487)

  1. Auditori dokhili va khadamoti auditi dokhili huquq dorand:

– sanjishi hama samthoi faoliyati tashkiloti sugurtavi (aznavsugurtakuni), az jumla filialho va vohidi digari mustaqil va kormandoni tashkiloti sugurtaviro (aznavsugurtakuniro) amali namoyand;

– az rohbaron va kormandoni tashkiloti sugurtavi (aznavsugurtakuni) va sokhtori tarkibii on hujjatho, mavod va malumoti baroi amalisozii vakolathoi khud zarurro girand;

– ba hamai hujjatho, mavod va malumotho, az jumla ba faylhoi kompyuterii  ittilooti, be huquqi vorid namudani tagyirot ba onho dastrasi doshta boshand.

  1. Auditori dokhili va khadamoti auditi dokhili uhdadorand:

– nigohdori va bargardonidani hujjatho, mavod va malumoti az vohidhoi sokhtorii tashkiloti sugurtavi (aznavsugurtakuni) giriftaro tamin namoyand;

– hangomi amalisozii vakolathoi khud makhfiyati malumoti giriftaro rioya namoyand;

– oid ba hamai kholathoi norasoi va kambudiho, ki dar natijai sanjishi faoliyati tashkiloti sugurtavi (aznavsugurtakuni) oshkor gardidaand, maqomi ijroiyai tashkiloti sugurtavi (aznavsugurtakuni), maqomi dastjamii ijroiyai tashkiloti sugurtavi (aznavsugurtakuni) va rohbari vohidi sokhtorii tashkiloti sugurtaviro (aznavsugurtakuniro) ogoh namoyand;

– nazoratro oid ba andeshidani tadbirho jihati bartaraf namudani norasoivu kambudihoi oshkorgardida, rioyai chorahoi tavsiyanamudai auditori dokhili va khadamoti auditi dokhili bo maqsadi peshgirii sodir nakardani  norasoi va kambudihoi ba in monand dar faoliyati tashkiloti sugurtavi (aznavsugurtakuni) amali namoyand.

  1. Az natijai sanjishhoi guzaronidashuda auditori dokhili va khadamoti auditi dokhili hisobothoi semoha tartib doda, ba maqomoti idorakunii tashkiloti sugurtavi (aznavsugurtakuni) va hisobothoi solonaro ba majlisi umumii harsolai sahmdoroni (ishtirokchiyoni) tashkiloti sugurtavi, azoi jamiyati sugurtai mutaqobila peshnihod menamoyand.
  2. Hisobothoi zikrshuda dar barobari malumot oid ba norasoivu kambudihoi dar natijai sanjishi faoliyati tashkiloti sugurtavi (aznavsugurtakuni) oshkorgardida va dar borai oqibathoi onho malumoti jarayoni bartarafsozii norasoivu kambudihoi qablan oshkorgardidaro doro meboshand.
  3. Dar holati oshkor gardidani norasoiho az rui natijai sanjish, dar shakli qabuli qaror az jonibi maqomoti idorakunii tashkiloti sugurtavi oid ba masalahoi ba salohiyati majlisi umumii sahmdoron (ishtirokchiyon) mansub, auditori dokhili, rohbari khadamoti auditi dokhili dar shakli khatti sahmdoroni (ishtirokchiyoni) tashkiloti sugurtaviro, ki ziyoda az yak foizi sahmiyahoro doro meboshand (hissai ishtirok dar sarmoyai oinnomavii tashkiloti sugurtavi), na dertar az ponzdah ruz az lahzai oshkor gardidani chunin norasoiho khabar medihand.
  4. Bo darkhosti maqomi nazorati sugurtavi tashkiloti sugurtavi (aznavsugurtakuni) uhdador ast hisobothoi auditi dokhili va (yo) khadamoti auditi dokhiliro dar muhlati muqarrargardida peshnihod namoyad. (QJT az 02.01.18 s., №1487)

Moddai 32. Auditi hatmi va nashri hisoboti muhosibii (moliyavii) solonai tashkiloti sugurtavi (aznavsugurtakuni)

  1. Hisoboti muhosibii (moliyavii) solonai tashkiloti sugurtavi (aznavsugurtakuni) hatman tahti sanjishi auditi qaror doda meshavad.
  2. Tashkiloti auditi az rui natijai auditi hatmii hisoboti muhosibii (moliyavii) solonai tashkiloti sugurtavi (aznavsugurtakuni) uhdador ast khulosai auditi oid ba hisoboti muhosibii (moliyavii) solonai tashkiloti sugurtaviro (aznavsugurtakuniro) tartib dihad, ki on boyad doroi faslho oid ba ijroi talaboti ustuvorii moliyavi va pardokhtpaziri az jonibi tashkiloti sugurtavi (aznavsugurtakuni), ki Qonuni mazkur va sanadhoi meyorii qabulnamudai maqomi nazorati sugurtavi muqarrar namudaast va samarai tashkili nizomi nazorati dokhilii tashkiloti sugurtavi (aznavsugurtakuni) boshad. (QJT az 02.01.18 s., №1487)
  3. Tashkiloti sugurtavi (aznavsugurtakuni) ba maqomi nazorati sugurtavi khulosai dar qismi 2 moddai mazkur nishondodaro yakjoya bo hisoboti muhosibii (moliyavii) solona peshnihod menamoyad. (QJT az 02.01.18 s., №1487)
  4. Hisoboti muhosibii (moliyavii) solonai tashkiloti sugurtavi (aznavsugurtakuni) na dertar az 1 iyuli soli navbatii bad az soli hisoboti yakjoya bo khulosai dar qismi 2 moddai mazkur nishondodashuda nashr megardad.
  5. Hisoboti muhosibii (moliyavii) solonai tashkiloti sugurtavi (aznavsugurtakuni) on vaqt nashrgardida hisobida meshavad, agar dar somonai rasmii tashkiloti sugurtavi (aznavsugurtakuni) joygir yo dar vositahoi akhbori omma, ki dastrasi shakhsoni manfiatdori in hisobot meboshand, nashr shuda boshad.
  6. Malumot dar borai nashri hisoboti muhosibii (moliyavii) solonai tashkiloti sugurtavi (aznavsugurtakuni) az jonibi khudi tashkiloti sugurtavi (aznavsugurtakuni) ba maqomi nazorati sugurtavi bo tartibi az tarafi maqomi mazkur muqarrargardida peshnihod megardad. (QJT az 02.01.18 s., №1487)
  7. Hulosai auditi oid ba boetimodii hisoboti muhosibii (moliyavii) solonai tashkiloti sugurtavi (aznavsugurtakuni), ijro gardidani talaboti ustuvorii moliyavi va pardokhtpaziri az jonibi tashkiloti sugurtavi (aznavsugurtakuni) va dar borai samarai tashkili nizomi nazorati dokhilii tashkiloti sugurtavi (aznavsugurtakuni) yakjoya bo hisoboti mazkur nashr karda meshavad. 

BOBI 5. TANZIM VA NAZORATI DAVLATII FAOLIYATI SUGURTAVI 

Moddai 33. Vazifahoi tanzimi davlatii faoliyati sugurtavi

  1. Vazifahoi asosii tanzimi davlatii faoliyati sugurtavi chunin meboshand:

– tasis va nigohdorii nizomi sugurtavii ustuvor dar Jumhurii Tojikiston va tashakkuli infrasokhtori bozori sugurta;

– tanzimi bozori sugurta va nazorat az rui faoliyati sugurtavi;

– himoyai huququ manfiathoi qonunii sugurtashavandagon, shakhsoni sugurtashuda va foidagirandagon;

– vazifahoi digare, ki qonunguzorii  Jumhurii Tojikiston dar sohai sugurta muayyan namudaast.

  1. Siyosati davlatiro dar sohai sugurta maqomi dakhldori vakolatdori davlati amali va nazorati faoliyati sugurtaviro maqomi nazorati sugurtavi tamin menamoyad. (QJT az 02.01.18 s., №1487)

Moddai 34. Nazorati faoliyati ishtirokchiyoni kasbii bozori sugurta

(QJT az 02.01.18 s., №1487)

  1. Nazorati faoliyati ishtirokchiyoni kasbii bozori sugurta (nazorati sugurtavi) bo maqsadi az jonibi onho rioya namudani qonunguzori dar sohai sugurta, ogohkuni va az jonibi ishtirokchiyon rioya nakardani munosibatho, ki bo Qonuni mazkur va qonunguzori dar sohai sugurta tanzim gardidaand, tamini himoyai huquqho, manfiathoi qonunii sugurtashavandagon, shakhsoni digari manfiatdor va davlat, rushdi bosamarai bozori sugurta amali karda meshavad. (QJT az 02.01.18 s., №1487)
  2. Nazorati sugurtavi dar asosi prinsiphoi qonuniyat, oshkorbayoni va yagonagii tashkili amali megardad.
  3. Nazorati sugurtaviro Bonki millii Tojikiston amali menamoyad. (QJT az 02.01.18 s., №1487)
  4. Maqomi nazorati sugurtavi ittilooti zerinro dar matbuoti muayyan nashr va (yo) dar somonai khud joygir menamoyad: (QJT az 02.01.18 s., №1487)

– tavzehoti masalahoi mansub ba vazifahoi maqomi nazorati sugurtavi;  (QJT az 02.01.18 s., №1487)

– malumot az Fehristi yagonai davlatii ishtirokchiyoni kasbii bozori sugurta, Fehristi ittihodiyahoi ishtirokchiyoni kasbii bozori sugurta;

– sanadho oid ba mahdudkuni, bozdoshtan yo az nav ba rasmiyat darovardani ijozatnoma baroi amalisozii faoliyati sugurtavi;

– sanadhoi bozkhondi ijozatnoma oid ba amalisozii faoliyati sugurtavi;

– malumoti digar oid ba masalahoi sanjish va nazorat dar borai faoliyati sugurtavi;

– sanadhoi meyorii huquqi dar sohai faoliyati sugurtavi.

  1. Nazorati sugurtavi inhoro dar bar megirad:

– ijozatnomadihi ba faoliyati ishtirokchiyoni kasbii bozori sugurta va peshburdi Fehristi yagonai davlatii ishtirokchiyoni kasbii bozori sugurta, Fehristi ittihodiyahoi ishtirokchiyoni kasbii bozori sugurta;

– nazorati rioyai qonunguzori dar sohai sugurta  bo rohi guzaronidani sanjish va hangomi zarurat guzaronidani sanjishi takhirnopaziri subekthoi faoliyati sugurtavi tibqi qonunguzorii Jumhurii Tojikiston;

– dodani khulosaho baroi baqaydgirii davlatii tashkilothoi sugurtavi (aznavsugurtakuni);

– muvofiqasozi bo maqsadi ziyod namudani andozai sarmoyai oinnomavii tashkilothoi sugurtavi az hisobi mablaghoi sarmoyaguzorii khoriji baroi bo ishtiroki sarmoyaguzoroni khoriji amali namudani muomilot oid ba begonakunii sahmiyahoi (hissaho dar sarmoyahoi oinnomavii) tashkilothoi sugurtavi, baroi kushodani namoyandagihoi tashkilothoi khorijii sugurtavi, aznavsugurtakuni, brokeri va tashkilothoi digare, ki faoliyati sugurtaviro amali menamoyand, inchunin baroi kushodani filialhoi tashkilothoi sugurtavi (aznavsugurtakuni) bo sarmoyaguzorii khoriji;

– qabuli qaror dar borai tain namudani mamuriyati muvaqqati oid ba bozdosht va mahdudkunii vakolathoi maqomi ijroiyai tashkiloti sugurtavi dar holatho va bo tartibi muqarrarnamudai qonunguzorii Jumhurii Tojikiston.

  1. Subekthoi faoliyati sugurtavi uhdadorand:

– talaboti qonunguzoriro dar sohai sugurta rioya namoyand;

– hisobothoi muqarrargardida oid ba faoliyat, malumot oid ba vazi moliyavi, inchunin hujjatho va malumotro mutobiqi qonunguzorii Jumhurii Tojikiston peshnihod namoyand;

– tainoti maqomi nazorati sugurtavi dar khususi bartarafsozii rioya nakardani qonunguzori dar sohai sugurtaro ijro namuda, malumotu hujjathoi tasdiqkunandai ijro gashtani onro dar muhlathoi muqarrargardida peshnihod namoyand;  (QJT az 02.01.18 s., №1487)

– az rui darkhosti maqomi nazorati  sugurtavi dar muhlathoi muqarrargardidai in darkhostho malumot va hujjathoi baroi amalisozii nazorati sugurtavi zarur, az jumla hujjathoro oid ba vazi moliyavii khud peshnihod namoyand;  (QJT az 02.01.18 s., №1487)

– ba maqomi nazorati sugurtavi nuskhai hujjathoi tasisii filialho va namoyandagihoe, ki berun az makoni joygirshavii subekti faoliyati sugurtavi joygirand, bo nishon dodani surogai (mahalli joygirshavii) onho, inchunin nuskhai hujjathoe, ki vakolathoi rohbaroni onhoro tasdiq menamoyad, peshnihod namoyand;  (QJT az 02.01.18 s., №1487)

– hujjathoi nomzadhoi ba mansabhoi rohbar va sarmuhosibi subekthoi faoliyati sugurtavi tainshavandaro ba maqomi nazorati sugurtavi baroi muvofiqa peshnihod namoyand;  (QJT az 02.01.18 s., №1487)

– ba maqomi vakolatdor oid ba muqovimat ba qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm tibqi muqarraroti Qonuni Jumhurii Tojikiston «Dar borai muqovimat ba qonunigardonii (rasmikunonii) daromadhoi bo rohi jinoyat badastovarda va mablagguzorii terrorizm» doir ba hama guna ahd va amaliyoti shubhanok oid ba anjom dodani pardokhti sugurta yo giriftani on  ittilo  dihand.

  1. Bo maqsadi sari vaqt oshkor namudani khavfhoi pardokhtnopazirii subekthoi faoliyati sugurtavi maqomi nazorati sugurtavi bo tartibi muqarrargardida monitoringi faoliyati subekthoi faoliyati sugurtaviro bo istifodai nishondihandahoi moliyavi (koeffitsientho), ki tavsifkunandai vazi moliyavii subekthoi faoliyati sugurtavi va ustuvorii onho nisbati omilhoi khavfhoi dokhili va beruni meboshand, amali menamoyad. (QJT az 02.01.18 s., №1487)
  2. Monitoringi faoliyati subekthoi faoliyati sugurtaviro maqomi nazorati sugurtavi dar asosi prinsiphoi mustaqiliyat, voqeiyat, istifodabarii qoidahoi yagonai muqarrarkunandai talabot ba subekthoi faoliyati sugurtavi, majmui, favriyat va asosnokkunii arzyobii faoliyati onho amali menamoyad. (QJT az 02.01.18 s., №1487)

Moddai 35. Peshgirii faoliyati inhisori va raqobati nosolim  dar bozori sugurtavi

Peshgiri, mahdudkuni va bartarafsozii faoliyati inhisori va raqobati nosolimro dar bozori sugurtavi maqomi vakolatdori davlatii ziddiinhisori dar yakjoyagi bo maqomi nazorati sugurtavi tibqi qonunguzorii Jumhurii Tojikiston dar borai faoliyati ziddiinhisori tamin menamoyand.  (QJT az 02.01.18 s., №1487)

Moddai 36. Maqomoti idorakunii  tashkiloti sugurtavi  (aznavsugurtakuni)

  1. Tashkiloti sugurtavi (aznavsugurtakuni) bo tartibi hatmi maqomoti idorakuniro tashkil medihad, ki on az maqomi idorakuni, maqomi ijroiya va nazorati iborat ast.
  2. Tashkiloti sugurtavi (aznavsugurtakuni), novobasta ba shaklhoi tashkiliyu huquqii khud, uhdador ast doroi maqomoti idorakuni, sarmuhosib, rohbari auditi dokhili va aktuariyi masul boshad, ba istisnoi holathoi mavjudiyati shartnomai bastashuda bo shakhsi munosib oid ba vakolatdihii vazifahoi sugurtavi, ki bo Qonuni mazkur va sanadhoi meyorii huquqii dar asosi on az jonibi maqomi nazorati sugurtavi qabulgardida peshbini gardidaast. (QJT az 02.01.18 s., №1487) 

Moddai 37. Talaboti takhassusi va digar talabote, ki ba rohbaroni tashkilothoi sugurtavi

(aznavsugurtakuni) va brokeri sugurtavi peshnihod karda meshavand        

  1. Rohbaroni (az jumla shakhse, ki vazifai rohbari yagonai maqomi ijroiya, rohbari maqomi dastjamonai ijroiyaro amali menamoyad) subekti faoliyati sugurtavi – shakhsi huquqi boyad zaboni davlatiro donad, doroi tahsiloti olii iqtisodi yo moliyavie boshand, ki on dar Jumhurii Tojikiston bo hujjati tasdiqkunanda dar borai tahsiloti oli etirof shudaast va doroi sobiqai kori na kam az dusola ba sifati rohbari vohidi subekti faoliyati sugurtavi yo digar tashkiloti moliyavi boshand.
  2. Sarmuhosibi tashkiloti sugurtavi (aznavsugurtakuni), jamiyati sugurtai mutaqobila va brokeri sugurtavi ba talabote, ki qonunguzorii Jumhurii Tojikiston muqarrar namudaast, mutobiqat karda, zaboni davlatiro donad, sobiqai korii na kamtar az du sol az rui ikhtisos dar tashkiloti sugurtavi (aznavsugurtakuni) yo digar tashkiloti moliyavi doshta boshad.
  3. Auditori dokhili va rohbari khadamoti auditi dokhili boyad zaboni davlatiro donad, tahsiloti olii iqtisodi, moliyavi yo huquqshinosi, ki bo hujjati tasdiqkunandai tahsiloti olii mazkur dar Jumhurii Tojikiston etirof shudaast va sobiqai kori na kamtar az du sol az rui ikhtisos dar tashkiloti sugurtavi (aznavsugurtakuni), digar tashkiloti moliyavi yo auditori doshta boshad.
  4. Ba vazifai auditori dokhili va rohbari khadamoti auditi dokhili shakhsoni zerin tain shuda nametavonand, agar onho:

– vazifai rohbari yagonai maqomi ijroiya, sarmuhosibi tashkiloti sugurtaviro (aznavsugurtakuniro) ba uhda doshta boshand va yo ba hayati maqomi ijroiyai dastjamii tashkiloti sugurtavi (aznavsugurtakuni)  davomi du sol pesh az tain shudanashon ba vazifai auditori dokhili va rohbari khadamoti auditi dokhili  shomil boshand;

– sahmdori (ishtirokchii) tashkiloti sugurtavi (aznavsugurtakuni) boshand;

– bo rohbari tashkiloti sugurtavi (aznavsugurtakuni) yo bo shakhse, ki rohbari yagonai maqomi ijroiyai tashkiloti sugurtavi (aznavsugurtakuni) meboshad yo ba hayati SHuroi direktoron (SHuroi nazorati) yo maqomi ijroiyai dastjamii tashkiloti sugurtavi (aznavsugurtakuni) shomil buda yo bo sarmuhosibi tashkiloti sugurtavi (aznavsugurtakuni) munosibathoi kheshutaborii nazdik doshta boshand.

  1. Rohbaron (az jumla, rohbari yagonai maqomi ijroiya) va sarmuhosibi subekti faoliyati sugurtavi – shakhsi huquqi boyad dar qalamravi Jumhurii Tojikiston doimi istiqomat kunand.
  2. Tashkiloti sugurtavi (aznavsugurtakuni) uhdador ast, ki dar shakli khatti maqomi nazorati sugurtaviro oid ba tain ba vazifa va az vazifa ozod kardani shakhsoni dar qismhoi 1, 2 va 3 hamin modda zikrgardida dar davomi na dertar az dah ruzi korii bad az ruzi qabuli chunin qaror ogoh namoyad. (QJT az 02.01.18 s., №1487)

Moddai 38. Andozbandii faoliyati sugurtavi

Andozbandii faoliyati sugurtavi mutobiqi talaboti Kodeksi andozi Jumhurii Tojikiston amali karda meshavad.

BOBI 6. MUQARRAROTI HOTIMAVI 

Moddai 39. Barrasii bahsho

Bahsho vobasta ba faoliyati sugurtavi bo tartibi sudi hal karda meshavand.

Moddai 40. Javobgari baroi rioya nakardani talaboti Qonuni mazkur

SHakhsoni voqei va huquqi baroi rioya nakardani talaboti Qonuni mazkur tibqi tartibi muqarrarnamudai qonunguzorii Jumhurii Tojikiston ba javobgari kashida meshavand.

Moddai 41. Dar borai az etibor soqit donistani Qonuni Jumhurii Tojikiston «Dar borai faoliyati sugurtavi»

Qonuni Jumhurii Tojikiston az 29 dekabri soli 2010, № 681  «Dar borai faoliyati sugurtavi» (Akhbori Majlisi Olii Jumuhurii Tojikiston, s. 2010, №12, q. 1, mod. 840; s. 2014, №3, mod. 154)  az etibor soqit donista shavad.

Moddai 42. Tartibi mavridi amal qaror dodani Qonuni mazkur

Qonuni mazkur pas az intishori rasmi mavridi amal qaror doda shavad.

 

 

          Prezidenti

Jumhurii Tojikiston                                                                Emomali Rahmon

 

sh. Dushanbe,

23 iyuli soli 2016, №1349

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