{"id":231,"date":"2026-08-22T12:53:10","date_gmt":"2026-08-22T10:53:10","guid":{"rendered":"https:\/\/hg-allfinanz.com\/versicherungspost\/"},"modified":"2026-08-22T12:53:10","modified_gmt":"2026-08-22T10:53:10","slug":"versicherungspost","status":"publish","type":"page","link":"https:\/\/hg-allfinanz.com\/ru\/versicherungspost\/","title":{"rendered":"\u041f\u0438\u0441\u044c\u043c\u0430 \u043e\u0442 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0439"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"231\" class=\"elementor elementor-231 elementor-bc-flex-widget\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99b1b68 e-con-boxed e-flex e-con e-parent\" data-id=\"99b1b68\" data-element_type=\"container\" data-e-type=\"container\" id=\"hg-neu-sofort\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c754dd elementor-widget elementor-widget-heading\" data-id=\"1c754dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">\u0422\u0435\u0440\u043c\u0438\u043d\u044b<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fcc261 elementor-widget elementor-widget-heading\" data-id=\"8fcc261\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">\u041f\u0438\u0441\u044c\u043c\u0430 \u043e\u0442 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0439 \u2014 \u0441\u043b\u043e\u0432\u0430, \u043e\u0442 \u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u0432\u0441\u0451 \u0437\u0430\u0432\u0438\u0441\u0438\u0442<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a0b145 elementor-widget elementor-widget-text-editor\" data-id=\"2a0b145\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/hg-allfinanz.com\/\">\u0413\u043b\u0430\u0432\u043d\u0430\u044f<\/a> \/ <a href=\"https:\/\/hg-allfinanz.com\/ru\/neu-in-deutschland\/\">\u041d\u043e\u0432\u0438\u0447\u043a\u0430\u043c \u0432 \u0413\u0435\u0440\u043c\u0430\u043d\u0438\u0438<\/a> \/ \u041f\u0438\u0441\u044c\u043c\u0430 \u043e\u0442 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0439<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b7d987d e-con-boxed e-flex e-con e-parent\" data-id=\"b7d987d\" data-element_type=\"container\" data-e-type=\"container\" id=\"hg-neu-einleitung\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-feee82c e-con-full e-flex e-con e-parent\" data-id=\"feee82c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ee80248 e-con-full e-flex e-con e-parent\" data-id=\"ee80248\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-933a773 elementor-widget elementor-widget-heading\" data-id=\"933a773\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0412\u0430\u0448\u0430 \u0436\u0438\u0437\u043d\u044c \u0438\u0434\u0451\u0442 \u043f\u043e-\u0440\u0443\u0441\u0441\u043a\u0438. \u0412\u0430\u0448\u0430 \u043f\u043e\u0447\u0442\u0430 \u043f\u0440\u0438\u0445\u043e\u0434\u0438\u0442 \u043f\u043e-\u043d\u0435\u043c\u0435\u0446\u043a\u0438.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80ecb5a elementor-widget elementor-widget-text-editor\" data-id=\"80ecb5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u041f\u0440\u0438\u0447\u0451\u043c \u043d\u0435 \u043d\u0430 \u0442\u043e\u043c \u043d\u0435\u043c\u0435\u0446\u043a\u043e\u043c, \u043a\u043e\u0442\u043e\u0440\u044b\u0439 \u0443\u0447\u0430\u0442 \u0432 \u044f\u0437\u044b\u043a\u043e\u0432\u043e\u0439 \u0448\u043a\u043e\u043b\u0435. \u00abObliegenheit\u00bb, \u00abVerzug\u00bb, \u00abgrobe Fahrl\u00e4ssigkeit\u00bb \u2014 \u044d\u0442\u0438\u0445 \u0441\u043b\u043e\u0432 \u043d\u0435\u0442 \u043d\u0438 \u0432 \u043e\u0434\u043d\u043e\u043c \u0431\u044b\u0442\u043e\u0432\u043e\u043c \u0441\u043b\u043e\u0432\u0430\u0440\u0435, \u0438 \u0438\u043c\u0435\u043d\u043d\u043e \u043e\u0442 \u043d\u0438\u0445 \u0437\u0430\u0432\u0438\u0441\u0438\u0442, \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u0435 \u043b\u0438 \u0412\u044b \u0434\u0435\u043d\u044c\u0433\u0438 \u043f\u0440\u0438 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u043c \u0441\u043b\u0443\u0447\u0430\u0435.<\/p><p>\u042d\u0442\u0430 \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430 \u043e\u0431\u044a\u044f\u0441\u043d\u044f\u0435\u0442 \u0442\u0435\u0440\u043c\u0438\u043d\u044b, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0434\u0435\u0439\u0441\u0442\u0432\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0432\u0441\u0442\u0440\u0435\u0447\u0430\u044e\u0442\u0441\u044f \u0432 \u043f\u0438\u0441\u044c\u043c\u0430\u0445. \u041d\u0435 \u0432\u0441\u0435, \u043a\u0430\u043a\u0438\u0435 \u0435\u0441\u0442\u044c, \u2014 \u0442\u043e\u043b\u044c\u043a\u043e \u0442\u0435, \u0433\u0434\u0435 \u043e\u0442\u0432\u0435\u0441\u0442\u0438 \u0432\u0437\u0433\u043b\u044f\u0434 \u043e\u0431\u043e\u0439\u0434\u0451\u0442\u0441\u044f \u0434\u043e\u0440\u043e\u0433\u043e.<\/p><p><strong>\u0415\u0441\u043b\u0438 \u043f\u0438\u0441\u044c\u043c\u043e \u043d\u0435\u043f\u043e\u043d\u044f\u0442\u043d\u043e, \u0441\u0444\u043e\u0442\u043e\u0433\u0440\u0430\u0444\u0438\u0440\u0443\u0439\u0442\u0435 \u0435\u0433\u043e \u0438 \u043f\u043e\u0437\u0432\u043e\u043d\u0438\u0442\u0435.<\/strong> \u042d\u0442\u043e \u043d\u0438\u0447\u0435\u0433\u043e \u043d\u0435 \u0441\u0442\u043e\u0438\u0442 \u0438 \u0437\u0430\u043d\u0438\u043c\u0430\u0435\u0442 \u043f\u044f\u0442\u044c \u043c\u0438\u043d\u0443\u0442.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e7a7a3 e-con-full e-flex e-con e-parent\" data-id=\"1e7a7a3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-457a3d6 elementor-view-stacked elementor-shape-rounded elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"457a3d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-info-circle\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.043 8 8 119.083 8 256c0 136.997 111.043 248 248 248s248-111.003 248-248C504 119.083 392.957 8 256 8zm0 110c23.196 0 42 18.804 42 42s-18.804 42-42 42-42-18.804-42-42 18.804-42 42-42zm56 254c0 6.627-5.373 12-12 12h-88c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h12v-64h-12c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h64c6.627 0 12 5.373 12 12v100h12c6.627 0 12 5.373 12 12v24z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t\u041e\u0434\u043d\u043e \u043f\u0440\u0430\u0432\u0438\u043b\u043e, \u0435\u0441\u043b\u0438 \u0431\u043e\u043b\u044c\u0448\u0435 \u043d\u0438\u0447\u0435\u0433\u043e \u043d\u0435 \u0437\u0430\u043f\u043e\u043c\u043d\u0438\u0442\u0435\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t\u0415\u0441\u043b\u0438 \u0432 \u043f\u0438\u0441\u044c\u043c\u0435 \u0441\u0442\u043e\u0438\u0442 <strong>\u0441\u0440\u043e\u043a (Frist)<\/strong> \u2014 \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u043e \u0434\u043d\u0435\u0439, \u043d\u0435\u0434\u0435\u043b\u044c \u0438\u043b\u0438 \u0434\u0430\u0442\u0430, \u2014 \u043d\u0435 \u043e\u0442\u043a\u043b\u0430\u0434\u044b\u0432\u0430\u0439\u0442\u0435 \u043f\u0438\u0441\u044c\u043c\u043e. \u0421\u0440\u043e\u043a\u0438 \u0432 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u043c \u043f\u0440\u0430\u0432\u0435 \u0438\u0441\u0442\u0435\u043a\u0430\u044e\u0442, \u0434\u0430\u0436\u0435 \u0435\u0441\u043b\u0438 \u043d\u0438\u043a\u0442\u043e \u0412\u0430\u043c \u043d\u0435 \u043d\u0430\u043f\u043e\u043c\u043d\u0438\u0442, \u0438 \u043f\u043e\u0441\u043b\u0435 \u044d\u0442\u043e\u0433\u043e \u0434\u0435\u043b\u043e \u0437\u0430\u043a\u0440\u044b\u0442\u043e.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b56fd1 elementor-widget elementor-widget-text-editor\" data-id=\"3b56fd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0412\u0441\u0451 \u043e\u0441\u0442\u0430\u043b\u044c\u043d\u043e\u0435 \u043c\u043e\u0436\u043d\u043e \u043d\u0430\u0432\u0435\u0440\u0441\u0442\u0430\u0442\u044c. \u041f\u0440\u043e\u043f\u0443\u0449\u0435\u043d\u043d\u044b\u0439 \u0441\u0440\u043e\u043a \u2014 \u043d\u0435\u0442.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ef48c82 e-con-boxed e-flex e-con e-parent\" data-id=\"ef48c82\" data-element_type=\"container\" data-e-type=\"container\" id=\"hg-neu-sofort\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2e099f4 e-con-full e-flex e-con e-parent\" data-id=\"2e099f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a33503 elementor-widget elementor-widget-heading\" data-id=\"3a33503\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">\u0421\u043d\u0430\u0447\u0430\u043b\u0430<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2aa06a elementor-widget elementor-widget-heading\" data-id=\"c2aa06a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0421\u043b\u043e\u0432\u0430, \u0437\u0430 \u043a\u043e\u0442\u043e\u0440\u044b\u043c\u0438 \u0441\u0442\u043e\u0438\u0442 \u0441\u0440\u043e\u043a<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e0beba elementor-widget elementor-widget-text-editor\" data-id=\"6e0beba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u041f\u0440\u0438 \u044d\u0442\u0438\u0445 \u043f\u044f\u0442\u0438 \u0442\u0435\u0440\u043c\u0438\u043d\u0430\u0445 \u0447\u0430\u0441\u044b \u043d\u0430\u0447\u0438\u043d\u0430\u044e\u0442 \u0438\u0434\u0442\u0438, \u043a\u0430\u043a \u0442\u043e\u043b\u044c\u043a\u043e \u043f\u0438\u0441\u044c\u043c\u043e \u043b\u0435\u0436\u0438\u0442 \u0432 \u0412\u0430\u0448\u0435\u043c \u044f\u0449\u0438\u043a\u0435.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c761c5 e-con-full e-flex e-con e-parent\" data-id=\"1c761c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-813e516 e-con-full e-flex e-con e-parent\" data-id=\"813e516\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4f12f2 elementor-widget elementor-widget-heading\" data-id=\"f4f12f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Beitragsanpassung \u2014 \u0438\u0437\u043c\u0435\u043d\u0435\u043d\u0438\u0435 \u0432\u0437\u043d\u043e\u0441\u0430<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61b6f41 elementor-widget elementor-widget-text-editor\" data-id=\"61b6f41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0412\u0437\u043d\u043e\u0441 \u0440\u0430\u0441\u0442\u0451\u0442. \u041f\u0440\u0438 \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0451\u043d\u043d\u044b\u0445 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u0445 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0449\u0438\u043a \u0432\u043f\u0440\u0430\u0432\u0435 \u044d\u0442\u043e \u0441\u0434\u0435\u043b\u0430\u0442\u044c \u2014 \u043d\u043e \u0442\u043e\u0433\u0434\u0430 \u0443 \u0412\u0430\u0441, \u043a\u0430\u043a \u043f\u0440\u0430\u0432\u0438\u043b\u043e, \u0435\u0441\u0442\u044c <strong>\u043e\u0441\u043e\u0431\u043e\u0435 \u043f\u0440\u0430\u0432\u043e \u043d\u0430 \u0440\u0430\u0441\u0442\u043e\u0440\u0436\u0435\u043d\u0438\u0435 (Sonderk\u00fcndigungsrecht)<\/strong>, \u0438 \u043e\u043d\u043e \u0434\u0435\u0439\u0441\u0442\u0432\u0443\u0435\u0442 \u043b\u0438\u0448\u044c <strong>\u043e\u0434\u0438\u043d \u043c\u0435\u0441\u044f\u0446<\/strong>. \u041a\u0442\u043e \u043e\u0441\u0442\u0430\u0432\u0438\u0442 \u043f\u0438\u0441\u044c\u043c\u043e \u043b\u0435\u0436\u0430\u0442\u044c \u0442\u0440\u0438 \u043c\u0435\u0441\u044f\u0446\u0430, \u0431\u0443\u0434\u0435\u0442 \u043f\u043b\u0430\u0442\u0438\u0442\u044c \u043d\u043e\u0432\u044b\u0439 \u0432\u0437\u043d\u043e\u0441 \u0434\u043e \u043e\u0431\u044b\u0447\u043d\u043e\u0433\u043e \u043e\u043a\u043e\u043d\u0447\u0430\u043d\u0438\u044f \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f673a86 elementor-widget elementor-widget-heading\" data-id=\"f673a86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u043e\u0441\u043e\u0431\u043e\u0435 \u043f\u0440\u0430\u0432\u043e \u043d\u0430 \u0440\u0430\u0441\u0442\u043e\u0440\u0436\u0435\u043d\u0438\u0435 (Sonderk\u00fcndigungsrecht)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f41c47 elementor-widget elementor-widget-text-editor\" data-id=\"9f41c47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u041f\u0440\u0430\u0432\u043e \u0440\u0430\u0441\u0442\u043e\u0440\u0433\u043d\u0443\u0442\u044c \u0434\u043e\u0433\u043e\u0432\u043e\u0440 \u0432\u043d\u0435 \u043e\u0447\u0435\u0440\u0435\u0434\u0438 \u2014 \u043f\u043e\u0441\u043b\u0435 \u043f\u043e\u0432\u044b\u0448\u0435\u043d\u0438\u044f \u0432\u0437\u043d\u043e\u0441\u0430 \u0438\u043b\u0438 \u043f\u043e\u0441\u043b\u0435 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0433\u043e \u0441\u043b\u0443\u0447\u0430\u044f. \u041e\u043d\u043e \u0432\u043e\u0437\u043d\u0438\u043a\u0430\u0435\u0442 \u0438\u0437 \u0441\u043e\u0431\u044b\u0442\u0438\u044f \u0438 \u0432\u0441\u043a\u043e\u0440\u0435 \u043f\u043e\u0441\u043b\u0435 \u044d\u0442\u043e\u0433\u043e \u043f\u0440\u043e\u043f\u0430\u0434\u0430\u0435\u0442. \u042d\u0442\u043e \u0435\u0434\u0438\u043d\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0439 \u0441\u043f\u043e\u0441\u043e\u0431 \u0432\u044b\u0439\u0442\u0438 \u0438\u0437 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430 \u0432 \u0441\u0435\u0440\u0435\u0434\u0438\u043d\u0435 \u0433\u043e\u0434\u0430.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f514fe elementor-widget elementor-widget-heading\" data-id=\"5f514fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Widerrufsfrist \u2014 \u0441\u0440\u043e\u043a \u043e\u0442\u0437\u044b\u0432\u0430<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57dd9e7 elementor-widget elementor-widget-text-editor\" data-id=\"57dd9e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u0427\u0435\u0442\u044b\u0440\u043d\u0430\u0434\u0446\u0430\u0442\u044c \u0434\u043d\u0435\u0439<\/strong> \u043f\u043e\u0441\u043b\u0435 \u0437\u0430\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u044f \u0412\u044b \u0432\u043f\u0440\u0430\u0432\u0435 \u043e\u0442\u043e\u0437\u0432\u0430\u0442\u044c \u0434\u043e\u0433\u043e\u0432\u043e\u0440, \u043d\u0435 \u043d\u0430\u0437\u044b\u0432\u0430\u044f \u043f\u0440\u0438\u0447\u0438\u043d\u044b. \u0415\u0441\u043b\u0438 \u043a\u0442\u043e-\u0442\u043e \u043f\u0440\u043e\u0434\u0430\u043b \u0412\u0430\u043c \u0447\u0442\u043e-\u0442\u043e \u0443 \u0434\u0432\u0435\u0440\u0438 \u0438 \u043f\u043e\u0441\u043b\u0435 \u044d\u0442\u043e\u0433\u043e \u0443 \u0412\u0430\u0441 \u043d\u0435\u0445\u043e\u0440\u043e\u0448\u0435\u0435 \u0447\u0443\u0432\u0441\u0442\u0432\u043e: \u0432\u043e\u0442 \u0412\u0430\u0448\u0435 \u043e\u043a\u043d\u043e.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c657658 e-con-full e-flex e-con e-parent\" data-id=\"c657658\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49c24ca elementor-widget elementor-widget-heading\" data-id=\"49c24ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Verzug \u0438 qualifizierte Mahnung \u2014 \u043f\u0440\u043e\u0441\u0440\u043e\u0447\u043a\u0430 \u0438 \u043a\u0432\u0430\u043b\u0438\u0444\u0438\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0435 \u043d\u0430\u043f\u043e\u043c\u0438\u043d\u0430\u043d\u0438\u0435<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63d7d4e elementor-widget elementor-widget-text-editor\" data-id=\"63d7d4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0423 \u0412\u0430\u0441 \u0437\u0430\u0434\u043e\u043b\u0436\u0435\u043d\u043d\u043e\u0441\u0442\u044c \u043f\u043e \u0432\u0437\u043d\u043e\u0441\u0443. \u041f\u0435\u0440\u0432\u043e\u0435 \u043d\u0430\u043f\u043e\u043c\u0438\u043d\u0430\u043d\u0438\u0435 \u043d\u0435\u043f\u0440\u0438\u044f\u0442\u043d\u043e, \u0432\u0442\u043e\u0440\u043e\u0435 \u043e\u043f\u0430\u0441\u043d\u043e: <strong>\u043a\u0432\u0430\u043b\u0438\u0444\u0438\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0435 \u043d\u0430\u043f\u043e\u043c\u0438\u043d\u0430\u043d\u0438\u0435 (qualifizierte Mahnung)<\/strong> \u0443\u0441\u0442\u0430\u043d\u0430\u0432\u043b\u0438\u0432\u0430\u0435\u0442 \u0441\u0440\u043e\u043a \u0438 \u043f\u0440\u044f\u043c\u043e \u0433\u043e\u0432\u043e\u0440\u0438\u0442, \u0447\u0442\u043e \u043f\u043e\u0441\u043b\u0435 \u043d\u0435\u0433\u043e \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0439 \u0437\u0430\u0449\u0438\u0442\u044b \u0431\u043e\u043b\u044c\u0448\u0435 \u043d\u0435\u0442.<\/p><p>\u041a\u0442\u043e \u0442\u043e\u0433\u0434\u0430 \u043f\u043e\u043f\u0430\u0434\u0451\u0442 \u0432 \u0430\u0432\u0430\u0440\u0438\u044e, \u043e\u0441\u0442\u0430\u043d\u0435\u0442\u0441\u044f \u0431\u0435\u0437 \u0437\u0430\u0449\u0438\u0442\u044b \u2014 \u0434\u043e\u0433\u043e\u0432\u043e\u0440 \u0435\u0449\u0451 \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0443\u0435\u0442, \u043d\u043e \u043d\u0435 \u043f\u043b\u0430\u0442\u0438\u0442. \u0415\u0441\u043b\u0438 \u0441 \u0434\u0435\u043d\u044c\u0433\u0430\u043c\u0438 \u0442\u0443\u0433\u043e, \u043f\u043e\u0437\u0432\u043e\u043d\u0438\u0442\u0435 \u0437\u0430\u0440\u0430\u043d\u0435\u0435. \u041e\u0442\u0441\u0440\u043e\u0447\u043a\u0430 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u0430, \u0441\u043f\u0430\u0441\u0435\u043d\u0438\u0435 \u0437\u0430\u0434\u043d\u0438\u043c \u0447\u0438\u0441\u043b\u043e\u043c \u2014 \u043d\u0435\u0442.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69bccd9 elementor-widget elementor-widget-heading\" data-id=\"69bccd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Anzeigepflicht \u2014 \u043e\u0431\u044f\u0437\u0430\u043d\u043d\u043e\u0441\u0442\u044c \u0437\u0430\u044f\u0432\u0438\u0442\u044c \u043e \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u043c \u0441\u043b\u0443\u0447\u0430\u0435<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4910b29 elementor-widget elementor-widget-text-editor\" data-id=\"4910b29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u041f\u043e\u0441\u043b\u0435 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0433\u043e \u0441\u043b\u0443\u0447\u0430\u044f \u0412\u044b \u043e\u0431\u044f\u0437\u0430\u043d\u044b <strong>\u0431\u0435\u0437\u043e\u0442\u043b\u0430\u0433\u0430\u0442\u0435\u043b\u044c\u043d\u043e (unverz\u00fcglich)<\/strong> \u0443\u0432\u0435\u0434\u043e\u043c\u0438\u0442\u044c \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0449\u0438\u043a\u0430 \u2014 \u044d\u0442\u043e \u043d\u0435 \u0437\u043d\u0430\u0447\u0438\u0442 \u00ab\u043d\u0435\u043c\u0435\u0434\u043b\u0435\u043d\u043d\u043e\u00bb, \u043d\u043e \u0431\u0435\u0437 \u0432\u0438\u043d\u043e\u0432\u043d\u043e\u0433\u043e \u043f\u0440\u043e\u043c\u0435\u0434\u043b\u0435\u043d\u0438\u044f. \u041a\u0442\u043e \u0436\u0434\u0451\u0442 \u0442\u0440\u0438 \u043d\u0435\u0434\u0435\u043b\u0438 \u0432 \u043d\u0430\u0434\u0435\u0436\u0434\u0435, \u0447\u0442\u043e \u0434\u0435\u043b\u043e \u0443\u043b\u0430\u0434\u0438\u0442\u0441\u044f \u0438\u043d\u0430\u0447\u0435, \u0440\u0438\u0441\u043a\u0443\u0435\u0442 \u0432\u044b\u043f\u043b\u0430\u0442\u043e\u0439.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19b0b65 e-con-boxed e-flex e-con e-parent\" data-id=\"19b0b65\" data-element_type=\"container\" data-e-type=\"container\" id=\"hg-neu-einleitung\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c51aac5 e-con-full e-flex e-con e-parent\" data-id=\"c51aac5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ade861 elementor-widget elementor-widget-heading\" data-id=\"5ade861\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">\u0417\u0430\u0442\u0435\u043c<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00a0a41 elementor-widget elementor-widget-heading\" data-id=\"00a0a41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0421\u043b\u043e\u0432\u0430, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0440\u0435\u0448\u0430\u044e\u0442 \u0440\u0430\u0437\u043c\u0435\u0440<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7110e6e e-con-full e-flex e-con e-parent\" data-id=\"7110e6e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-70066e7 e-con-full e-flex e-con e-parent\" data-id=\"70066e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cfc2ac6 elementor-widget elementor-widget-heading\" data-id=\"cfc2ac6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Selbstbeteiligung \u2014 \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0435 \u0443\u0447\u0430\u0441\u0442\u0438\u0435<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f82972 elementor-widget elementor-widget-text-editor\" data-id=\"8f82972\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0427\u0430\u0441\u0442\u044c, \u043a\u043e\u0442\u043e\u0440\u0443\u044e \u043f\u0440\u0438 \u043a\u0430\u0436\u0434\u043e\u043c \u0441\u043b\u0443\u0447\u0430\u0435 \u0412\u044b \u043f\u043b\u0430\u0442\u0438\u0442\u0435 \u0441\u0430\u043c\u0438. 150 \u0435\u0432\u0440\u043e \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u0443\u0447\u0430\u0441\u0442\u0438\u044f \u043e\u0437\u043d\u0430\u0447\u0430\u044e\u0442: \u043f\u0440\u0438 \u0443\u0449\u0435\u0440\u0431\u0435 \u0432 400 \u0435\u0432\u0440\u043e \u0412\u044b \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u0435 250. \u0411\u043e\u043b\u0435\u0435 \u0432\u044b\u0441\u043e\u043a\u043e\u0435 \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0435 \u0443\u0447\u0430\u0441\u0442\u0438\u0435 \u0441\u043d\u0438\u0436\u0430\u0435\u0442 \u0432\u0437\u043d\u043e\u0441 \u2014 \u0438\u043c\u0435\u0435\u0442 \u0441\u043c\u044b\u0441\u043b, \u0435\u0441\u043b\u0438 \u043c\u0435\u043b\u043a\u0438\u0439 \u0443\u0449\u0435\u0440\u0431 \u0412\u044b \u0432\u0441\u0451 \u0440\u0430\u0432\u043d\u043e \u043e\u043f\u043b\u0430\u0442\u0438\u043b\u0438 \u0431\u044b \u0441\u0430\u043c\u0438.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fb167c elementor-widget elementor-widget-heading\" data-id=\"3fb167c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Deckungssumme \u2014 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u044f \u0441\u0443\u043c\u043c\u0430 \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u044f<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1a96cf elementor-widget elementor-widget-text-editor\" data-id=\"f1a96cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0412\u0435\u0440\u0445\u043d\u044f\u044f \u0433\u0440\u0430\u043d\u0438\u0446\u0430 \u0442\u043e\u0433\u043e, \u0447\u0442\u043e \u043f\u043b\u0430\u0442\u0438\u0442 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0449\u0438\u043a. \u0421\u0432\u0435\u0440\u0445 \u043d\u0435\u0451 \u0412\u044b \u0441\u043d\u043e\u0432\u0430 \u043e\u0442\u0432\u0435\u0447\u0430\u0435\u0442\u0435 \u0441\u0430\u043c\u0438 \u2014 \u043f\u043e\u044d\u0442\u043e\u043c\u0443 \u0441\u043b\u0438\u0448\u043a\u043e\u043c \u043d\u0438\u0437\u043a\u0430\u044f \u0441\u0443\u043c\u043c\u0430 \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u044f \u2014 \u043f\u043b\u043e\u0445\u0430\u044f \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u044f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3336121 elementor-widget elementor-widget-heading\" data-id=\"3336121\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Unterversicherung \u2014 \u043d\u0435\u0434\u043e\u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-909169f elementor-widget elementor-widget-text-editor\" data-id=\"909169f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0412\u044b \u0437\u0430\u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043b\u0438 \u0441\u043b\u0438\u0448\u043a\u043e\u043c \u043c\u0430\u043b\u043e \u2014 \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u043e \u0434\u043b\u044f \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u044b \u043c\u0435\u043d\u044c\u0448\u0435\u0439, \u0447\u0435\u043c \u0442\u0430, \u0432 \u043a\u043e\u0442\u043e\u0440\u043e\u0439 \u0436\u0438\u0432\u0451\u0442\u0435. \u0422\u043e\u0433\u0434\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0449\u0438\u043a \u0443\u0440\u0435\u0437\u0430\u0435\u0442 \u0432\u044b\u043f\u043b\u0430\u0442\u0443 <strong>\u0432 \u0442\u043e\u0439 \u0436\u0435 \u043f\u0440\u043e\u043f\u043e\u0440\u0446\u0438\u0438<\/strong>: \u043a\u0442\u043e \u0437\u0430\u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043b \u0442\u043e\u043b\u044c\u043a\u043e \u043f\u043e\u043b\u043e\u0432\u0438\u043d\u0443, \u043f\u0440\u0438 \u043d\u0435\u0431\u043e\u043b\u044c\u0448\u043e\u043c \u0443\u0449\u0435\u0440\u0431\u0435 \u043f\u043e\u043b\u0443\u0447\u0438\u0442 \u0442\u043e\u0436\u0435 \u0442\u043e\u043b\u044c\u043a\u043e \u043f\u043e\u043b\u043e\u0432\u0438\u043d\u0443.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-88dad26 e-con-full e-flex e-con e-parent\" data-id=\"88dad26\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afa0b58 elementor-widget elementor-widget-heading\" data-id=\"afa0b58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Grobe Fahrl\u00e4ssigkeit \u2014 \u0433\u0440\u0443\u0431\u0430\u044f \u043d\u0435\u043e\u0441\u0442\u043e\u0440\u043e\u0436\u043d\u043e\u0441\u0442\u044c<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10f90c6 elementor-widget elementor-widget-text-editor\" data-id=\"10f90c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0411\u043e\u043b\u044c\u0448\u0435, \u0447\u0435\u043c \u043e\u0431\u044b\u0447\u043d\u0430\u044f \u043e\u0448\u0438\u0431\u043a\u0430: \u0433\u043e\u0440\u044f\u0449\u0430\u044f \u0441\u0432\u0435\u0447\u0430, \u043a\u043e\u0442\u043e\u0440\u0443\u044e \u043e\u0441\u0442\u0430\u0432\u0438\u043b\u0438 \u0431\u0435\u0437 \u043f\u0440\u0438\u0441\u043c\u043e\u0442\u0440\u0430, \u0442\u0435\u043b\u0435\u0444\u043e\u043d \u0437\u0430 \u0440\u0443\u043b\u0451\u043c. \u0422\u043e\u0433\u0434\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0449\u0438\u043a \u0432\u043f\u0440\u0430\u0432\u0435 \u0443\u0440\u0435\u0437\u0430\u0442\u044c \u0432\u044b\u043f\u043b\u0430\u0442\u0443 \u2014 \u0432 \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0442 \u0442\u044f\u0436\u0435\u0441\u0442\u0438 \u0432\u043f\u043b\u043e\u0442\u044c \u0434\u043e \u043d\u0443\u043b\u044f. \u0415\u0441\u0442\u044c \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u044b, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043e\u0442 \u0442\u0430\u043a\u043e\u0433\u043e \u0443\u0440\u0435\u0437\u0430\u043d\u0438\u044f \u043e\u0442\u043a\u0430\u0437\u044b\u0432\u0430\u044e\u0442\u0441\u044f; \u044d\u0442\u043e \u043e\u0434\u0438\u043d \u0438\u0437 \u043f\u0443\u043d\u043a\u0442\u043e\u0432, \u043e\u0442\u043b\u0438\u0447\u0430\u044e\u0449\u0438\u0445 \u0445\u043e\u0440\u043e\u0448\u0438\u0439 \u0434\u043e\u0433\u043e\u0432\u043e\u0440 \u043e\u0442 \u0434\u0435\u0448\u0451\u0432\u043e\u0433\u043e.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7369cbf elementor-widget elementor-widget-heading\" data-id=\"7369cbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Obliegenheit \u2014 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043d\u0430\u044f \u043e\u0431\u044f\u0437\u0430\u043d\u043d\u043e\u0441\u0442\u044c<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-157e8ce elementor-widget elementor-widget-text-editor\" data-id=\"157e8ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u041e\u0431\u044f\u0437\u0430\u043d\u043d\u043e\u0441\u0442\u044c, \u043a\u043e\u0442\u043e\u0440\u0443\u044e \u0412\u044b \u043f\u0440\u0438\u043d\u044f\u043b\u0438 \u043d\u0430 \u0441\u0435\u0431\u044f \u043f\u043e \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0443, \u2014 \u0437\u0430\u043f\u0438\u0440\u0430\u0442\u044c \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0443, \u043f\u0440\u0438\u0441\u0442\u0451\u0433\u0438\u0432\u0430\u0442\u044c \u0432\u0435\u043b\u043e\u0441\u0438\u043f\u0435\u0434, \u0437\u0430\u044f\u0432\u043b\u044f\u0442\u044c \u043e\u0431 \u0443\u0449\u0435\u0440\u0431\u0435. \u041a\u0442\u043e \u0435\u0451 \u043d\u0430\u0440\u0443\u0448\u0438\u0442, \u043c\u043e\u0436\u0435\u0442 \u043f\u043e\u0442\u0435\u0440\u044f\u0442\u044c \u0437\u0430\u0449\u0438\u0442\u0443 \u0432 \u044d\u0442\u043e\u043c \u0441\u043b\u0443\u0447\u0430\u0435. Obliegenheiten \u2014 \u044d\u0442\u043e \u043d\u0435 \u043c\u0435\u043b\u043a\u0438\u0439 \u0448\u0440\u0438\u0444\u0442, \u044d\u0442\u043e \u0446\u0435\u043d\u0430 \u0437\u0430\u0449\u0438\u0442\u044b.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbd0ddc elementor-widget elementor-widget-heading\" data-id=\"dbd0ddc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Neuwert \u0438 Zeitwert \u2014 \u043d\u043e\u0432\u0430\u044f \u0438 \u0442\u0435\u043a\u0443\u0449\u0430\u044f \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d55d38 elementor-widget elementor-widget-text-editor\" data-id=\"2d55d38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Neuwert:<\/strong> \u0441\u043a\u043e\u043b\u044c\u043a\u043e \u0441\u0435\u0433\u043e\u0434\u043d\u044f \u0441\u0442\u043e\u0438\u0442 \u0440\u0430\u0432\u043d\u043e\u0446\u0435\u043d\u043d\u044b\u0439 \u043d\u043e\u0432\u044b\u0439 \u043f\u0440\u0438\u0431\u043e\u0440. <strong>Zeitwert:<\/strong> \u0441\u043a\u043e\u043b\u044c\u043a\u043e \u0435\u0449\u0451 \u0441\u0442\u043e\u0438\u0442 \u0412\u0430\u0448 \u0431\u044b\u0432\u0448\u0438\u0439 \u0432 \u0443\u043f\u043e\u0442\u0440\u0435\u0431\u043b\u0435\u043d\u0438\u0438. \u0423 \u043f\u044f\u0442\u0438\u043b\u0435\u0442\u043d\u0435\u0433\u043e \u0442\u0435\u043b\u0435\u0432\u0438\u0437\u043e\u0440\u0430 \u043c\u0435\u0436\u0434\u0443 \u043d\u0438\u043c\u0438 \u043d\u0435\u0441\u043a\u043e\u043b\u044c\u043a\u043e \u0441\u043e\u0442\u0435\u043d \u0435\u0432\u0440\u043e \u2014 \u043f\u043e\u044d\u0442\u043e\u043c\u0443 \u0441\u0442\u043e\u0438\u0442 \u043f\u043e\u0441\u043c\u043e\u0442\u0440\u0435\u0442\u044c, \u0447\u0442\u043e \u0441\u0442\u043e\u0438\u0442 \u0432 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0435.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ad3b891 e-con-boxed e-flex e-con e-parent\" data-id=\"ad3b891\" data-element_type=\"container\" data-e-type=\"container\" id=\"hg-neu-sofort\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4acbd0f e-con-full e-flex e-con e-parent\" data-id=\"4acbd0f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b359dda elementor-widget elementor-widget-heading\" data-id=\"b359dda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">\u041d\u0430\u043f\u043e\u0441\u043b\u0435\u0434\u043e\u043a<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c58bec elementor-widget elementor-widget-heading\" data-id=\"4c58bec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0420\u0430\u0437\u043d\u044b\u0435 \u0441\u043b\u043e\u0432\u0430, \u043e\u0434\u043d\u043e \u0438 \u0442\u043e \u0436\u0435<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31915fd elementor-widget elementor-widget-text-editor\" data-id=\"31915fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u042d\u0442\u0438 \u043f\u0430\u0440\u044b \u0447\u0430\u0441\u0442\u043e \u0441\u0431\u0438\u0432\u0430\u044e\u0442 \u0441 \u0442\u043e\u043b\u043a\u0443 \u2014 \u0430 \u043e\u0437\u043d\u0430\u0447\u0430\u044e\u0442 \u043e\u043d\u0438 \u043e\u0434\u043d\u043e \u0438 \u0442\u043e \u0436\u0435.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-870d303 e-con-full e-flex e-con e-parent\" data-id=\"870d303\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2fb6a57 e-con-full e-flex e-con e-parent\" data-id=\"2fb6a57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6319f64 elementor-widget elementor-widget-heading\" data-id=\"6319f64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Beitrag \u0438 Pr\u00e4mie \u2014 \u0432\u0437\u043d\u043e\u0441 \u0438 \u043f\u0440\u0435\u043c\u0438\u044f<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67d37e8 elementor-widget elementor-widget-text-editor\" data-id=\"67d37e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0414\u0432\u0430 \u0441\u043b\u043e\u0432\u0430 \u0434\u043b\u044f \u043e\u0434\u043d\u043e\u0433\u043e \u0438 \u0442\u043e\u0433\u043e \u0436\u0435: \u0442\u043e, \u0447\u0442\u043e \u0412\u044b \u043f\u043b\u0430\u0442\u0438\u0442\u0435. \u00abPr\u00e4mie\u00bb \u0437\u0432\u0443\u0447\u0438\u0442 \u043a\u0430\u043a \u043d\u0430\u0433\u0440\u0430\u0434\u0430, \u043d\u043e \u044d\u0442\u043e \u0412\u0430\u0448 \u043f\u043b\u0430\u0442\u0451\u0436 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0449\u0438\u043a\u0443.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19dae70 elementor-widget elementor-widget-heading\" data-id=\"19dae70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Police, Versicherungsschein, Vertragsunterlagen \u2014 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u044b \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d22b2f elementor-widget elementor-widget-text-editor\" data-id=\"2d22b2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0412\u0441\u0435 \u0442\u0440\u0438 \u043e\u0437\u043d\u0430\u0447\u0430\u044e\u0442 \u0412\u0430\u0448 \u0434\u043e\u0433\u043e\u0432\u043e\u0440 \u2014 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442, \u043a\u043e\u0442\u043e\u0440\u044b\u0439 \u0412\u044b \u043f\u043e\u043b\u0443\u0447\u0430\u0435\u0442\u0435 \u043f\u043e\u0441\u043b\u0435 \u0437\u0430\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u044f \u0438 \u043a\u043e\u0442\u043e\u0440\u044b\u0439 \u0441\u043b\u0435\u0434\u0443\u0435\u0442 \u0445\u0440\u0430\u043d\u0438\u0442\u044c.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5409e49 e-con-full e-flex e-con e-parent\" data-id=\"5409e49\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25d06c1 elementor-widget elementor-widget-heading\" data-id=\"25d06c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Versicherungsscheinnummer \u0438 Vertragsnummer \u2014 \u043d\u043e\u043c\u0435\u0440 \u043f\u043e\u043b\u0438\u0441\u0430<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fc1c7d elementor-widget elementor-widget-text-editor\" data-id=\"6fc1c7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0422\u043e\u0442 \u0436\u0435 \u0441\u0430\u043c\u044b\u0439 \u043d\u043e\u043c\u0435\u0440, \u043a\u043e\u0442\u043e\u0440\u044b\u0439 \u0441\u043f\u0440\u0430\u0448\u0438\u0432\u0430\u044e\u0442 \u043f\u043e \u0442\u0435\u043b\u0435\u0444\u043e\u043d\u0443. \u041e\u043d \u0441\u0442\u043e\u0438\u0442 \u0432\u0432\u0435\u0440\u0445\u0443 \u0441\u043f\u0440\u0430\u0432\u0430 \u043d\u0430 \u043a\u0430\u0436\u0434\u043e\u043c \u043f\u0438\u0441\u044c\u043c\u0435.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e4297d elementor-widget elementor-widget-heading\" data-id=\"4e4297d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Versicherungsnehmer \u2014 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u0442\u0435\u043b\u044c<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81e909e elementor-widget elementor-widget-text-editor\" data-id=\"81e909e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u041b\u0438\u0446\u043e, \u043a\u043e\u0442\u043e\u0440\u043e\u0435 \u0434\u0435\u0440\u0436\u0438\u0442 \u0434\u043e\u0433\u043e\u0432\u043e\u0440 \u0438 \u043f\u043b\u0430\u0442\u0438\u0442. \u042d\u0442\u043e \u043d\u0435 \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u043e \u0442\u043e \u0436\u0435 \u043b\u0438\u0446\u043e, \u0447\u0442\u043e \u0438 <strong>\u0437\u0430\u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u043d\u043e\u0435 \u043b\u0438\u0446\u043e (versicherte Person)<\/strong> \u2014 \u043f\u0440\u0438 \u0441\u0435\u043c\u0435\u0439\u043d\u043e\u043c \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0438 \u043e\u0431\u0435 \u0440\u043e\u043b\u0438 \u0440\u0435\u0434\u043a\u043e \u0437\u0430\u043f\u0438\u0441\u0430\u043d\u044b \u043d\u0430 \u043e\u0434\u043d\u043e \u0438\u043c\u044f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5be1cc0 e-con-boxed e-flex e-con e-parent\" data-id=\"5be1cc0\" data-element_type=\"container\" data-e-type=\"container\" id=\"hg-neu-sofort\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d7ce0b8 e-con-full e-flex e-con e-parent\" data-id=\"d7ce0b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d65494 elementor-widget elementor-widget-heading\" data-id=\"7d65494\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u041f\u0438\u0441\u044c\u043c\u043e, \u043a\u043e\u0442\u043e\u0440\u043e\u0435 \u0412\u044b \u043d\u0435 \u043f\u043e\u043d\u0438\u043c\u0430\u0435\u0442\u0435?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d15f41 elementor-widget elementor-widget-text-editor\" data-id=\"0d15f41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0421\u0444\u043e\u0442\u043e\u0433\u0440\u0430\u0444\u0438\u0440\u0443\u0439\u0442\u0435 \u0435\u0433\u043e \u0438 \u043f\u043e\u0437\u0432\u043e\u043d\u0438\u0442\u0435 \u2014 0176 58510724. \u042f \u0441\u043a\u0430\u0436\u0443 \u0412\u0430\u043c \u043f\u043e-\u0440\u0443\u0441\u0441\u043a\u0438, \u0447\u0442\u043e \u0432 \u043d\u0451\u043c \u043d\u0430\u043f\u0438\u0441\u0430\u043d\u043e \u0438 \u043d\u0443\u0436\u043d\u043e \u043b\u0438 \u0447\u0442\u043e-\u0442\u043e \u0434\u0435\u043b\u0430\u0442\u044c. \u0414\u0430\u0436\u0435 \u0435\u0441\u043b\u0438 \u0434\u043e\u0433\u043e\u0432\u043e\u0440 \u043d\u0435 \u043e\u0442 \u043c\u0435\u043d\u044f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3e1550 e-con-full e-flex e-con e-parent\" data-id=\"d3e1550\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-100b8c1 elementor-widget elementor-widget-button\" data-id=\"100b8c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/hg-allfinanz.com\/ru\/kontakt\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u041a \u043a\u043e\u043d\u0442\u0430\u043a\u0442\u0430\u043c<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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