{"id":46217,"date":"2021-04-26T17:58:19","date_gmt":"2021-04-26T13:58:19","guid":{"rendered":"https:\/\/jam-news.net\/az\/?p=46217"},"modified":"2022-01-18T00:26:29","modified_gmt":"2022-01-17T20:26:29","slug":"az%c9%99rbaycanda-h%c9%99yat-nec%c9%99y%c9%99dir","status":"publish","type":"post","link":"https:\/\/jam-news.net\/az\/az%c9%99rbaycanda-h%c9%99yat-nec%c9%99y%c9%99dir\/","title":{"rendered":"Az\u0259rbaycanda h\u0259yat ne\u00e7\u0259y\u0259dir?"},"content":{"rendered":"\n<p>H\u0259yat s\u0131\u011fortas\u0131n\u0131 bir \u00e7ox \u015firk\u0259tl\u0259r t\u0259klif ets\u0259 d\u0259, <a href=\"https:\/\/jam-news.net\/az\/category\/cografiya\/az%c9%99rbaycan\/\" target=\"_blank\" rel=\"noreferrer noopener\">Az\u0259rbaycanda<\/a> bu haqda m\u0259lumat\u0131 olan \u00e7ox azd\u0131r. H\u0259min s\u0131\u011forta m\u0259hsulundan istifad\u0259 ed\u0259nl\u0259r is\u0259 yox d\u0259r\u0259c\u0259sind\u0259dir. Ekspertl\u0259rin fikrinc\u0259, bunun s\u0259b\u0259bi \u0259halinin m\u0259lumats\u0131zl\u0131\u011f\u0131 v\u0259 kifay\u0259t q\u0259d\u0259r maddi imkana malik olmamas\u0131d\u0131r.<\/p>\n\n\n\n<hr class=\"wp-block-separator is-style-wide\"\/>\n\n\n\n<ul class=\"wp-block-list\"><li><strong><a href=\"https:\/\/jam-news.net\/az\/anam-m%c9%99ni-danlayirdi-kitablar-n%c9%99yin%c9%99-lazimdir-ondansa-%c9%99r%c9%99-get-gurcustanda-t%c9%99nha-qocaliq-haqda\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u201cAnam m\u0259ni danlay\u0131rd\u0131: kitablar n\u0259yin\u0259 laz\u0131md\u0131r! Ondansa \u0259r\u0259 get\u201d \u2013 G\u00fcrc\u00fcstanda t\u0259nha qocal\u0131q haqda<\/a><\/strong><\/li><li><strong><a href=\"https:\/\/jam-news.net\/az\/h%c9%99yat-%c9%99v%c9%99zin%c9%99-h%c9%99yat-muharib%c9%99d%c9%99-h%c9%99lak-olan-erm%c9%99ni-%c9%99sg%c9%99rl%c9%99rinin-valideynl%c9%99ri-ucun-ovlad-sahibi-olmaq-imkani\/\" target=\"_blank\" rel=\"noreferrer noopener\">H\u0259yat \u0259v\u0259zin\u0259 h\u0259yat: m\u00fcharib\u0259d\u0259 h\u0259lak olan erm\u0259ni \u0259sg\u0259rl\u0259rinin valideynl\u0259ri \u00fc\u00e7\u00fcn \u00f6vlad sahibi olmaq imkan\u0131<\/a><\/strong><\/li><li><strong><a href=\"https:\/\/jam-news.net\/az\/az%c9%99rbaycanda-yenilik-axtarisinda-olan-g%c9%99nc-qiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Az\u0259rbaycanda yenilik axtar\u0131\u015f\u0131nda olan g\u0259nc q\u0131z\u0131n hekay\u0259si<\/a><\/strong><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator is-style-wide\"\/>\n\n\n\n<p>H\u0259yat s\u0131\u011fortas\u0131 Az\u0259rbaycanda, dem\u0259k olar ki, b\u00fct\u00fcn s\u0131\u011forta \u015firk\u0259tl\u0259ri t\u0259r\u0259find\u0259n t\u0259klif edil\u0259n m\u0259hsuldur.<\/p>\n\n\n\n<p>S\u0131\u011forta broker \u015firk\u0259tind\u0259n JAMnews-a veril\u0259n m\u0259lumata g\u00f6r\u0259, h\u0259yat\u0131 s\u0131\u011fortalamaq \u00fc\u00e7\u00fcn ilk n\u00f6vb\u0259d\u0259 tibbi anket doldurmaq laz\u0131md\u0131r. Bundan sonra s\u0131\u011forta agenti anketi qiym\u0259tl\u0259ndir\u0259r\u0259k, \u00f6d\u0259ni\u015f v\u0259 s\u0131\u011forta m\u0259bl\u0259\u011fini hesablay\u0131r.<\/p>\n\n\n\n<p>Misal \u00fc\u00e7\u00fcn, 50 ya\u015fl\u0131 praktiki sa\u011flam ki\u015finin h\u0259yat\u0131 15 min manat d\u0259y\u0259rind\u0259 s\u0131\u011fortalan\u0131r. Bunun \u00fc\u00e7\u00fcn o, h\u0259r il t\u0259xmin\u0259n 450 manat \u00f6d\u0259ni\u015f etm\u0259lidir. \u00d6d\u0259ni\u015f bird\u0259f\u0259lik, yaxud hiss\u0259l\u0259rl\u0259 edilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u201c18 ay m\u0259cburi olaraq \u00f6d\u0259dik&#8230;\u201d<\/strong><\/h2>\n\n\n\n<p>B\u0259zi hallarda \u0259slind\u0259 k\u00f6n\u00fcll\u00fc olan bu s\u0131\u011forta n\u00f6v\u00fc Az\u0259rbaycanda m\u0259cburi \u015f\u0259kild\u0259 h\u0259yata ke\u00e7irilir.<\/p>\n\n\n\n<p>JAMnews-a bu bar\u0259d\u0259 dan\u0131\u015fan M\u0259din\u0259 adl\u0131 Bak\u0131 sakini deyir ki, ipoteka krediti ald\u0131qdan sonra ondan h\u0259yat s\u0131\u011fortas\u0131n\u0131n \u00f6d\u0259ni\u015fi d\u0259 t\u0259l\u0259b olunub.<\/p>\n\n\n\n<p>\u201c25 il m\u00fcdd\u0259tin\u0259 ipoteka il\u0259 m\u0259nzil alm\u0131\u015fd\u0131m. D\u00fcz 18 ay b\u00fct\u00fcn ipoteka alanlar\u0131 m\u0259cbur etdil\u0259r ki, ayda 40 manat h\u0259yat s\u0131\u011fortas\u0131 \u00f6d\u0259ni\u015fi etsinl\u0259r. Sonradan m\u0259lum oldu ki, bu s\u0131\u011forta n\u00f6v\u00fc m\u0259cburi ola bilm\u0259z, \u00f6d\u0259ni\u015fl\u0259r dayand\u0131r\u0131ld\u0131. Amma 18 ay \u0259rzind\u0259 \u00f6d\u0259dikl\u0259rimizi geri ala bilm\u0259dik\u201d, &#8211; M\u0259din\u0259 bildirib.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qanun n\u0259 deyir?<\/strong><\/h2>\n\n\n\n<p>\u00abS\u0131\u011forta f\u0259aliyy\u0259ti haqq\u0131nda\u00bb Az\u0259rbaycan Respublikas\u0131n\u0131n 2007-ci il 25 dekabr tarixli Qanununa \u0259sas\u0259n, h\u0259yat s\u0131\u011fortas\u0131 bir ne\u00e7\u0259 n\u00f6vd\u0259 m\u00f6vcuddur v\u0259 m\u00fcxt\u0259lif hallarda \u00f6d\u0259nilir.<\/p>\n\n\n\n<p>Bunlara \u00f6l\u00fcm hal\u0131ndan s\u0131\u011forta, m\u00fc\u0259yy\u0259n ya\u015fa \u00e7atd\u0131qda \u00f6d\u0259ni\u015fi edil\u0259n ya\u015fam s\u0131\u011fortas\u0131, \u0259m\u0259k qabiliyy\u0259tinin itirilm\u0259si hal\u0131nda pensiya \u015f\u0259klind\u0259 \u00f6d\u0259nil\u0259n annuitet s\u0131\u011fortas\u0131 v\u0259 sa\u011falmaz x\u0259st\u0259likl\u0259rd\u0259n s\u0131\u011forta.<\/p>\n\n\n\n<p>S\u0131\u011forta \u015firk\u0259tl\u0259rind\u0259n ald\u0131\u011f\u0131m\u0131z m\u0259lumata g\u00f6r\u0259, h\u0259yat s\u0131\u011fortas\u0131n\u0131n m\u0259qs\u0259di ist\u0259nil\u0259n s\u0259b\u0259bd\u0259n v\u0259fat hal\u0131nda s\u0131\u011forta olunandan maddi as\u0131l\u0131 olan ail\u0259 \u00fczvl\u0259rinin v\u0259 ya onun yax\u0131nlar\u0131n\u0131n maddi \u00e7\u0259tinlikl\u0259rd\u0259n azad olunmas\u0131d\u0131r. Hadis\u0259 ba\u015f verdiyi halda s\u0131\u011fortalanm\u0131\u015f \u015f\u0259xs tam s\u0131\u011forta m\u0259bl\u0259\u011fini bird\u0259f\u0259lik al\u0131r.<\/p>\n\n\n\n<p>\u018flav\u0259 olunur ki, s\u0131\u011forta m\u0259bl\u0259\u011fi ist\u0259nil\u0259n s\u0259b\u0259bd\u0259n \u00f6l\u00fcm hal\u0131nda \u00f6d\u0259nilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0130cbari h\u0259yat s\u0131\u011fortas\u0131?<\/strong><\/h2>\n\n\n\n<p>Az\u0259rbaycanda bundan ba\u015fqa \u201c\u0130stehsalatda b\u0259db\u0259xt hadis\u0259l\u0259r v\u0259 pe\u015f\u0259 x\u0259st\u0259likl\u0259ri n\u0259tic\u0259sind\u0259 pe\u015f\u0259 \u0259m\u0259k qabiliyy\u0259tinin itirilm\u0259si hallar\u0131ndan icbari s\u0131\u011forta haqq\u0131nda\u201d qanun da m\u00f6vcuddur.<\/p>\n\n\n\n<p>H\u0259min qanuna \u0259sas\u0259n, i\u015f\u0259g\u00f6t\u00fcr\u0259n \u00f6z i\u015f\u00e7il\u0259rini m\u0259cburi qaydada s\u0131\u011forta edir. \u0130stehsalatda b\u0259db\u0259xt hadis\u0259 v\u0259 ya pe\u015f\u0259 x\u0259st\u0259liyi n\u0259tic\u0259sind\u0259 \u00f6l\u00fcm, yaxud da \u0259m\u0259k qabiliyy\u0259tinin daimi v\u0259 ya tam itirilm\u0259si olarsa, s\u0131\u011forta \u015firk\u0259ti h\u0259min i\u015f\u00e7iy\u0259 v\u0259 ya onun ail\u0259sin\u0259 \u00f6d\u0259ni\u015f etm\u0259lidir.<\/p>\n\n\n\n<p>Pe\u015f\u0259 risk d\u0259r\u0259c\u0259sind\u0259n v\u0259 s\u0131\u011forta olunanlar\u0131n kateqoriyalar\u0131ndan as\u0131l\u0131 olaraq s\u0131\u011forta tarifi a\u015fa\u011f\u0131dak\u0131 kimidir:<\/p>\n\n\n\n<p>&#8211; qulluq\u00e7ular \u00fc\u00e7\u00fcn (r\u0259hb\u0259rl\u0259r, m\u00fct\u0259x\u0259ssisl\u0259r, texniki icra\u00e7\u0131lar) illik \u0259m\u0259khaqq\u0131 fondunun 0,2-0,5 %-i;<\/p>\n\n\n\n<p>&#8211; f\u0259hl\u0259l\u0259r \u00fc\u00e7\u00fcn illik \u0259m\u0259khaqq\u0131 fondunun 0,4-2,0 %-i.<\/p>\n\n\n\n<p>Qanunda bu s\u0131\u011forta n\u00f6v\u00fcnd\u0259n istifad\u0259 etm\u0259y\u0259n i\u015f\u0259g\u00f6t\u00fcr\u0259nl\u0259rin c\u0259zaland\u0131r\u0131laca\u011f\u0131 da g\u00f6st\u0259rilib.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0130ntihar ed\u0259n\u0259 v\u0259 m\u00fcharib\u0259d\u0259 h\u0259lak olana s\u0131\u011forta \u00f6d\u0259ni\u015fi edilmir<\/strong><\/h2>\n\n\n\n<p>Bir s\u0131ra hallarda h\u0259yat s\u0131\u011fortas\u0131 \u00f6d\u0259ni\u015fi edilmir. Bu hallara s\u0131\u011forta m\u00fcqavil\u0259sinin ba\u011flanmas\u0131ndan sonra iki il \u0259rzind\u0259 intihar hallar\u0131, h\u0259rbi \u0259m\u0259liyyatlarda, terror akt\u0131 v\u0259 h\u0259rbi \u00e7evrili\u015fl\u0259rd\u0259 i\u015ftirak zaman\u0131 \u00f6l\u00fcm aiddir.<\/p>\n\n\n\n<p>Maraql\u0131d\u0131r ki, ionla\u015fd\u0131r\u0131lm\u0131\u015f radiasiyaya yaxud radioaktiv \u015f\u00fcalanmaya, z\u0259h\u0259rl\u0259nm\u0259y\u0259, elan edilmi\u015f epidemiyalara m\u0259ruz qalma da s\u0131\u011forta hal\u0131 hesab olunmur.<\/p>\n\n\n\n<p>Eyni zamanda, \u015f\u0259xsi t\u0259yyar\u0259nin idar\u0259 edildiyi zaman q\u0259zaya u\u011framas\u0131, n\u0259qliyyat vasit\u0259sini idar\u0259 etm\u0259k h\u00fcququ olmadan n\u0259qliyyat vasit\u0259sinin idar\u0259 edilm\u0259si, t\u0259cridxanada v\u0259 h\u0259bsxanada \u00f6l\u00fcm s\u0131\u011forta \u00f6d\u0259ni\u015finin verilm\u0259m\u0259sin\u0259 s\u0259b\u0259b kimi g\u00f6st\u0259rilir.<\/p>\n\n\n\n<p>B\u0259zi pe\u015f\u0259 sahib\u0259rin\u0259 is\u0259 h\u0259yat s\u0131\u011fortas\u0131 m\u00fcqavil\u0259sinin ba\u011flanmas\u0131na imtina oluna bil\u0259r. Bunlar x\u00fcsusil\u0259 riskli pe\u015f\u0259 sahibl\u0259ri v\u0259 b\u0259zi idman\u00e7\u0131lard\u0131r. Avto-moto idman, para\u015f\u00fctl\u0259 tullanma, \u0259lb\u0259yaxa d\u00f6y\u00fc\u015f, alpinizm, da\u011f v\u0259 su turizmi, sualt\u0131 \u00fczg\u00fc\u00e7\u00fcl\u00fck, dal\u011f\u0131cl\u0131q, at\u00e7\u0131l\u0131q v\u0259 s. riskli idman n\u00f6vl\u0259ri kimi g\u00f6st\u0259rilir.<\/p>\n\n\n\n<p>Lakin qeyd olunan hallar\u0131n g\u00f6st\u0259rilm\u0259si \u015f\u0259rtil\u0259 x\u00fcsusi h\u0259yat s\u0131\u011fortas\u0131 m\u00fcqavil\u0259sinin ba\u011flanmas\u0131 m\u00fcmk\u00fcnd\u00fcr.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ekspert r\u0259yi<\/strong><\/h2>\n\n\n\n<p>S\u0131\u011forta bazar\u0131 \u00fczr\u0259 ekspert Maqsud \u0130smay\u0131lovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, Az\u0259rbaycanda s\u0131\u011forta \u015firk\u0259tl\u0259rinin say\u0131 \u00e7ox olsa da, bu bazar inki\u015faf etm\u0259yib.<\/p>\n\n\n\n<p>\u201c\u0130nsanlar\u0131n b\u00f6y\u00fck \u0259ks\u0259riyy\u0259tinin h\u0259yat s\u0131\u011fortas\u0131 anlay\u0131\u015f\u0131ndan bel\u0259 x\u0259b\u0259rl\u0259ri yoxdur. Halbuki, bu, bir \u00e7ox inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259 xeyli populyar s\u0131\u011forta n\u00f6v\u00fcd\u00fcr.<\/p>\n\n\n\n<p>\u0130nsanlar\u0131 dindirs\u0259niz, \u0259min olacaqs\u0131n\u0131z ki, h\u0259yat s\u0131\u011fortas\u0131ndan Az\u0259rbaycanda istifad\u0259 olunmamas\u0131n\u0131n birinci s\u0259b\u0259bi m\u0259lumats\u0131zl\u0131qd\u0131r.<\/p>\n\n\n\n<p>Daha bir s\u0259b\u0259b is\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259rin\u0259 inams\u0131zl\u0131qd\u0131r. Avropada, Amerikada y\u00fczill\u0259rl\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n kifay\u0259t q\u0259d\u0259r etibarl\u0131 s\u0131\u011forta\u00e7\u0131lar var v\u0259 insanlar onlara etibar edir. Az\u0259rbaycanda banklar\u0131n v\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259rinin uzun\u00f6m\u00fcrl\u00fcl\u00fcy\u00fc sual alt\u0131ndad\u0131r v\u0259 he\u00e7 kim \u0259min ola bilm\u0259z ki, indi m\u00fcqavil\u0259 ba\u011flasa v\u0259 50 ild\u0259n sonra v\u0259fat ets\u0259, o vaxta kimi h\u0259min s\u0131\u011forta \u015firk\u0259ti f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259c\u0259k\u201d, &#8211; M.\u0130smay\u0131lov JAMnews-a bildirib.<\/p>\n\n\n\n<p>Onun fikrinc\u0259, s\u0259b\u0259bl\u0259rd\u0259n daha biri insanlar\u0131n maddi t\u0259minat\u0131n\u0131n yet\u0259rinc\u0259 olmamas\u0131d\u0131r: \u201cAil\u0259sinin g\u00fcnd\u0259lik \u0259rzaq t\u0259minat\u0131n\u0131 zorla \u00e7atd\u0131ran biri \u00fc\u00e7\u00fcn s\u0131\u011forta \u00f6d\u0259ni\u015fl\u0259ri g\u0259r\u0259ksiz g\u00f6r\u00fcn\u00fcr\u201d.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-medium-width-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"666\" src=\"https:\/\/jam-news.net\/app\/uploads\/2021\/04\/109783569_3562429983785246_2413032478984950720_n.jpg\" alt=\"\" class=\"wp-image-46216\" srcset=\"https:\/\/jam-news.net\/app\/uploads\/2021\/04\/109783569_3562429983785246_2413032478984950720_n.jpg 1000w, https:\/\/jam-news.net\/app\/uploads\/2021\/04\/109783569_3562429983785246_2413032478984950720_n-300x200.jpg 300w, https:\/\/jam-news.net\/app\/uploads\/2021\/04\/109783569_3562429983785246_2413032478984950720_n-768x511.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>H\u0259yat s\u0131\u011fortas\u0131n\u0131 bir \u00e7ox \u015firk\u0259tl\u0259r t\u0259klif ets\u0259 d\u0259, Az\u0259rbaycanda bu haqda m\u0259lumat\u0131 olan \u00e7ox azd\u0131r. H\u0259min s\u0131\u011forta m\u0259hsulundan istifad\u0259 ed\u0259nl\u0259r is\u0259 yox d\u0259r\u0259c\u0259sind\u0259dir<\/p>\n","protected":false},"author":3,"featured_media":46216,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,4043,25],"tags":[],"formation":[4037],"post-author":[2888],"topic":[4952],"tooltip":[],"city":[6041],"class_list":["post-46217","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-azrbaycan","category-explainer","category-cmiyyt","formation-photo","post-author-jamnews","topic-azrbaycan","city-baki"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Az\u0259rbaycanda h\u0259yat ne\u00e7\u0259y\u0259dir?<\/title>\n<meta name=\"description\" content=\"H\u0259yat s\u0131\u011fortas\u0131n\u0131 bir \u00e7ox \u015firk\u0259tl\u0259r t\u0259klif ets\u0259 d\u0259, Az\u0259rbaycanda bu haqda m\u0259lumat\u0131 olan \u00e7ox azd\u0131r. 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