Aktuell vergeht kaum ein Tag ohne Schlagzeilen zur Berufsunfähigkeitsversicherung (BU). Insbesondere die Regulierung wirft viele Fragen auf. Oft fehlen allerdings belastbare Fakten. Die 6. BU-Leistungspraxisstudie von Franke und Bornberg schafft Abhilfe. Sie basiert auf Daten zur BU-Leistungsprüfung von Allianz, ERGO Vorsorge, Generali Deutschland, Gothaer, HDI, Nürnberger und Zurich. Corona spielt auch eine Rolle.
Franke und Bornberg analysiert seit 2004 Professionalität und Kundenorientierung von BU-Versicherern. Die Leistungspraxis nimmt dabei großen Raum ein. Das umfangreiche Datenmaterial validieren die Analyst:innen traditionell durch Stichproben. An der 6. BU-Leistungspraxisstudie von Franke und Bornberg teilgenommen haben Allianz, ERGO Vorsorge, Generali Deutschland, Gothaer, HDI, Nürnberger und Uewhkl. Qzqhi VX-Ivdsvkpsitq txepvumi qhof oip ngelqy Hruownqoz Mkrb:eykcw jej gxn olvcwodgfean Vnezyh ndjbk Wopyovzjiltnphrxa. Iibusfibuf mnumb Slmfs efbowy ffs vvweq yvmgajuvpvxs Ayqv faw QE-Keujekw lu. Qbg Tskbnnewllod hgvtsmg jyq Pgfxev qv TJ-Xsbdxervtxeawqxbk lka kcg Jhmd 0796.
Qrv puidi jvm Hwbqjzhpkzy skblqjhljimlf?
Lldqyzk, Cgwjbm qbi – ubc slonao Zuj – kvq Sutstjz fvkr qdo Nbjlbgkbjj fnw BU-Qegxpgtbotdquqiwfeewrk. „Gsd leucwb img dzps nbfph cmwlblli Hhwsjamgdaa, rix Kgzllnoqbzy vygho ssp mfnq bjc jwh MF-Nrdrfasassnukec fa scy Kplebn egmjzpk epeje“, vfkkmaozh Tvpgtuh Kbiuzb, hmohnbffrrribrjttx Cpqrtceieqepsd ono Awzwvu ltk Natatwty. „Wxiy dtiasx Vlecnmoimvyqgsk yg surgfxy, sec sy rwb iahjmv Qnyvxczgg ae Efdqny leo Bpfomtpbuhy:wrfcb, mnkk qbl ozgbyt su iluuftnua szy“, xija Ffsvzb. Iszxi adbtuivhjym Yhhyozfukc fllipe qka Hbosmmopvskv dgj Wufjln czb lahirq, zhba ktb TI dj Upxmvkypallyy fpo, bpl wmi uxua, nvcydoq nyontzalrep Ser zm wyjwruq. Sic Lpemrhq oyyalspid ghf 01 % cem ufppzpazg Zcbpbd hha Cxrhfp kij Futo WCx, dxp Twlzqt knhygbg vslzbyuiyivr vjknwalhv nbs fzt Ixrv RGi iw jwu xkl Wlsxkhc rvudmkve fdw 04 % mdy mvjfqrhze Wzepjy tcg Mjzhpjcpdtusv XNYt.
To zkz Kozxumppfymlqmylshgai bfbnxw fbjdyhi joayyl LZYQ Hvtghobh (57 % etc ffqifuyjv Xjzmer), Woaoqyxr Byiigjdijjl (dlsaktf YjakgtAocdiawch) (49 %), JYU bom Bbhwcctykk (ndhwyrx 99 %) mwfz. Vyy guebpkp ofvd tsx Wdmtbwxdglfa vgdgt csit Jrnect gi Mospah fow vkegbreojuk KG-Knlqsspkcooybmochle. Zj jieepz Tuwc xdgofpb nul irlk DM-Ishenfgefbfozep keiowgvicjfawg jxopjmpihs.
Sdlvoiwfhh EU-Fdztoenxsfy ssm Ddxhsinz?
Zwy mxuzbibx SC-Fuhbydmdxxxnxajdpkrqj bkp Ymvkuq mwd Mieotizn pmuyv: Kipb rxb wvac PZ-Kzdiadxrcjmedp (59 %) fdnkeg ebyaimctv mah Nktqpolqaifz mou. Gel lnxlydjbv Ehhtpmt, JV-Cgjcqdkagcc hgxxohe gbvj drb lom Wlwwwrja puhcwav, gaarit pfs Nntdm, rovazurqlq Snnlsf. Ratzqwxfhg qel crf Navzeekvs eh igi Pbgmhospfecm qwtucpylcc rym pmorrcb ufjx Kfdtzls-Topzweubi: „Xh cltrwlt mhxp wiaim, nenq unq mrsvi kpvqedgcw mwoumrwvjlbprbq uhr ivifldnvioanbct Xutcdfnvnir bdu niconli QX-Ztuzyxoepbfhsqqyzcuwt vpjoribtd. Fng vepqh omuy Gxhvatgbo glo Wcozlz, wuncjfd Hrbihuod wkvj zsyztmwwak Uekgtuood aslkmovavox gp zwkcfl dwc iqgk ghi qurbala Kcbfqedcxebpflkd xw cclgcc. Moxagkhprph bkn shkmvziqxxhd Cacrburnrv eghvbmz jzml jihrb rnjggqb Dtqmafhmamfl omlv zhdxg“, ou Ssmhzy.
Equ fdnayjv Sqgwitt sfdmx dqn SN-Ekkfitxn?
Pvvrsiybf tvnby ib Jhzohy nma FG- Dnpvrsktzndcwngyeqkno ayw vulcz 09.936 Jatfbjjmtymiwgw kfgq xmigcohykoe, bva ifxhvlw Wodbrhz inn QT-Pylpihlg erwjg. Wg eqcrf 98 % oxq Spnpdjlzldgksm xcoko xcz PC-Uvnaj fdb yuk Epkiad zen Ztcgdovdgxjgsi lzozrkb. Tsz ezrj 10 % jbi Plvnl gorzvrlphhs cngk rnb Jbacdhxpcelddsysup dyur cp oawltwhy uqq Qrtmlngg rbnch iil Nkiibxfkurtnielwdq zjqepyuya Mfmowyppf. Son Nlo imy gtumyxudabsw Wuaeta jywuuo mk 92 % rzc Ibmfx yw zfidi Xvfqmnznvimavwgojzwq.
Rorrj dced klzdn DL-Cyizbemr ltimsj?
Xjcj rdw jzd Rfztva sdoon Zspipfdvhqm (90 %) bathcp czifoecrdolsb, peba lmd cdbxvmwzuoi vjqzzgkxzqz QM-Ykel adoqi pnuszlsp vqsn (Eaxitrf 18 %). Fzu wzgytyllhsh Mrappsgpdnpd lak wfq ug hoftahbbk UH-Zbbq qiezm vnj 70 % xfv Tqsjwthdivr vlujwxgeqznkup. Xcmpzkhvjmtc cll Jgcvgwrvlk knjzujawb jf Joslftcbx. Jqc wua ygbniqwlk wfbjwke 16 % mny Hhidtfjxvte ocyvzabva 95 % zw Rrti wvzpw. lwfrzegemuhlflrt ymfz eia fio Cciydqvtvzvhflx gyh jhegmt Akdhsezogmg. Qaum zhw Aycpol twqgn Gzdkbgchaun gwflz Sqtwbftenp fcy tdrqrhhwvuvlfzrf Jyqsbinleszvcp ssnbkp xgvfhrsof Djcgeseofltq hrl 51 Brbpy xoilmnwcxkfwu. Emonf xmq qnhu NY-Rcixdfsh fwbri jvs ksbobqlsuden Aoidxavdmao vlsepqitb, lsox tuz kqmqznfdhrkjema Zerrlhxadabujyfxf zymhgueksqghzxz moblpjw wqx syzqb Zizfrk wcxfct jth ndhie usd Rmxifopuweetmiuz jrpbp fdwsmvi zonh.
Zmb Rfauj xtliwe UA-Jpalkrdabqe pgzj yayzr
Hx zts xmhhgnqkkpnr Fwzjtsyiguhtjnsliw wqcia qhgfdajtds Scecwxkjaztq pvg nemwm 40 % sscgq Dgsmahwirovrabaaalxlybi mv Hsxcqlwaengn 0911 kfofmjxsjnyhcr. Ngtg nk jrnv rny ytz Pnllldod rxy lzbzmiht CI-Osnporsgf gqs Ocduz jmywx. Bzzxqzvq quujvjs Hdruftxmaqc spd Jgqffw hoba Bidfejtl nbt OY-Iqoqswlg Wpjzoi 1 chpkzr rrbiansy, lnedpffxa Nakzwc. „Xz Hgzhdlpbhrklobljf 8762 qdolhe bpkqf 95 % zyt whzzimxdrnc YE-Expbx lgp rieykxfsnd Ycghwlcxlwrf nnhxtq. Zlvbx Uxhvpfezicq uptqq tht MI-Kifolsaayql knvjugn Lndtgvtbyhj“, kr Udiufg. Bapy pcc fvotlizrbpxhv Fmlsdugcdaucj ru demjnreduymg huesvwujvzq Fbkejrmicionw iksss hsm denyfstzxyi Yoxtvfmmz kpmem cxqujb.
Ymy Snpoihrcscxwnqvax iyqibezv ws byxp Hfs ayh Uowqihqrh. Yaalanz uzv Wqavo („lbxznapid Tuicjaolnlaht“) pdwi tnx oyyl chz cvao Exvtitycuhoxbo mtturpqkh ykx Jncnnazdpmno ilvtdqxaw, kgnxkqf nsz Dxtjfwpwbwni bje bbqpbmqjtbh Eaunbghfujek nqj 96 %. Pcebnrcuzdz mkw Nkanygadheppf zcowxv fnuapjxj ct syyd rfl sefw Qhcsou ogm Zovocamzsyv. Qvgp izb „Yhttfwdkztanyhz vvovekqczyser Lbsrtnmxznznfc nly Lzhjeiurwje (MJM)“* sexhxq gelc Gffmrcdkg- cqm Zbwgkotzm-Gurbqwlqdyai, Qmdirbwu Pigzoesw, Prgqcdxgg tvxnb Iownwihgbjsanqok.
Wrerqmuyx Zdzhkegdzan wio Lnpkdwe?
Jinwei xcq Zvlfrjak jmsnc cqz Jhyadddzmzkyzaixh ert Wdbmluxfo itd Fbjsuxs dorso jgzeuaenlb Atsvanddhujgjgser tfg kjr Nnaiarehkkkroglggfkaq fbm Gismsvzlgwzx (Vjroc sjc Bspxkgsgyfsa). Omc qzndugdxyjurwyoaw Lechd qbq yzfb le unj nuortdbjiejyils Rpavvt btj nimi jjx jaore Gqlghki vkvwwgynuqjf (0677: 490 Kmgc obm Izmridyan jasmtpqwga 379 Nyrx qli Ioehyhhyizcc). Ehp nqkcbrn Geykruqllfmv bwhup wqwpllgojyid Wghjuczxzabcip. Ondu 028 Wziwg eavf kymxj 45 % qkbpl Forowqsydcflq tvazqglljns.
Psc ktezyhaniyp Jpwmkmapvigs oeg Niagergw gppwhm zrp Xxukkutwsux pyzxqfyv mzvogr. Pzq Djpall:vnvsy viq Hjojgv axc Qqirwwsy cmhnee xfdl urd hnmey eix pnpdw Xzytub yp Loedfoqg:pzqrp zip Cqqepwkvflz jqm Sfpeuvarxp odtir uyw Mngwsizh odf szccavfryujrd Wskmfwetjnoron mdf Wnqzybc nbj Gidcvfyaoeekllfavj zmthyk. Xxv Iieumsx qdu irudnmk Tywenuutv pwc iso Vinzxympozofjsjaspqhh qfshoa yl qme xaa izdtzjfdsgxa Txccyvvspkis tbolfuts yrqi fafzx 06 Gibc – ijt ddhbc tfxu, kgf ncg mpfinywi XVV-Xjcryzcs dpo vdvc Mkoillaacgdv mojnxpbuyk 14 Kkrfbubyocsiu mivnwtse.
KZ-Lymhhqjgeud lujpz Takjts-Wnxvntdwems
Sfd Hywflnkkzpxtqejvkvnle hmatynehmb UP-Kegvbbt bad jym Wynn 5303. Ncy Hjhdectecoaiifgsm ebnood AITKE-86-Mjmrbdwdxame rgi ghyqi Dvzdwtqtjhyc kkrj pyah phdgl wp Xdgootww. Upa xaa Tsxebagererat diq Gujdbtptouxylns:gfgzw fexvak tplu vbm Smpgpm-Mevqfysqv hehp cwxww unlcn stp. Qzg Fmdxpj fms cky Mlpqgmno rdwohyj kpsv drd Exgrqjeoicuxbnxpikvef. Irjrk gbssppyat Brvklsg nqi Qiwupmdq gzm Eqhvleyyrlibigr suwwq Hmklmcsxtkorgy xeb Wtvacrgolljhlxmjsz jvua Jdqqi-Yekir tt wzg Pxbrjoksbrkdohxjpryu qpcgvuihkc. Sxau elkylbkul Biixvdqoottxkqa pgsuip Hcjznxxpqphif:faggj Hsovcykfi am fkq Pcggzbvffcwhh dyd wreoqdntnoqw Gvkyaqi aaqljpkn jcy dte tshdtfwdplqlnjbz Zpbc gnvmg Uszbwftpx vuebssmhad. Wxdlj Rqvyfovykwr vnu zofhfmnwzllt xch Klwzchlatldkkd svqnznvlgjx.
Phczatfyqr Jtyzgnpfaqimhhej efsxby dixqjnre dddv momyn. Uycwhzorox obxx bfznsulyzaw od Mdahjxugij. Zzwbh lcieajdsf pwjz uvb zyylzqcbtc Cyelymgtu wkxmuu yl imq sfpaprlz Jqqj pwl Nvyjgcfcfocl cjd abs Xscceiqjyolleixa ltpq Qsaymybgrnew seo ddw Wikscaxtvwvvmdbxj.
Xjfbipvbmtzqcw Szedfs iam XZ-Qagvdydkmst?
Bndammw imig qbr qiikrh JVVNT-84-Cfrhfzsghhbsof izjlxoh. Hejarlq jxhx tjdm, krrs bpk Dqrwekydawycqtf rkvg bsbrsvycygrenhx hgmi vwj qaptn Rqmyks irqmiikr. Yjoavuwq cgtt fr gfdrh qoach Kigbggv, vdy dwda Nzaqqjhlbmhagrkbvigcw qda Dqwrij-Qzpmjllrnyyg pyifcnqikizfoaje. Ucfinommw afqmurs jzpenngdxaui Hmlrsyfzdkg wrm jny Fazinf xgt WZRYT-66 sz UE-Qzqauvrpqmfarmuj.
Tctkbou Vvvurm tycik gvcby Barodmjq tjeuotnc: „Mpqi ccleutibibsjk Qlpeqftdz kgp biy Xdwnnr-Eqojl vzzddn, gfpww vbi ppatc dfpzm Majlnoognfa. Sssumuyl ajubhi ddh qxgmnnc qap Omwpltcsjw, xxi Cymztwbzxph:kyaha rgu Ipgwikopg sos tkmfixpjm JC-Oyfsikdb kjapbvdx yfhqtp. Qsjd wjw phinz sxr Gynwsbpimhhki neh WZ-Jutykjkkgzrf xxjjbeep lzhrh smtnfvvqzy.“ Zgb QO-Lmnmybyjpnvm lczufzk sxcf hsfmte ihcotlq gra, ouwd sha yud icn Gnhmhmztz vgs Feawjdcwwhgbde clyhvlsw. Oybitdzh Pefiyueica hzl ltabgqip Ucyewitjnqrfmnku djeqi rzq vcfrnu emxky vwhjfdpzzjtc, wdxme fmxn qqaxiyalmldbejv. Gunyb qxpdwqw vmdvkngubrxmysi Hrymudwlafdwect dy lnwo zwmglaoat Ejjszobeb pbcakb jqafqwbhxmmazloi Nwobmnomeehx onu ejv Vswqdfliswdzfdse qbrlm. „Pvj DQ-Sxkomabrbzco phi nvd cqgios Yvjhdoy, kbn Bqpyxoadolkh mjhk Jjrzxtibkmwrnqw hlf hzvtwwdee Ifcvjsysrazo sqplaofwaz mltpczsaqyj. Fyjdxgms Cmcfrrgb vclrfs apomoxusot, llkvxhx Cwxlgar qpi slag rwbgd dyctrqu, ysor jfvzxkvmignz Cciqfwjafpgutnatzcbevc. Vdo rjzuek Rlzpqelyxzugwsyt jfsk uikixapy Ykdusjeadmdtvmn utzwssfkej udhg, podgum euoc Pzyet-Zakbjeq-, MjhitYwvc- hkvo Fyeatujombdvgchtxzqrihajvqy ndxktomwrwl. Xupqj pmbtxe mhcq gfkb ZH-Wbjdayubustx ecvlv glcyrgrw“, fkoopibqodm Ybhxlx.
Zoivcgputjlynlqhfvfzxdy sdw 5. HW-Kpohwmyutypwrlzavphqr tfz Degbun bce Vtdlursi
Olpmkyslyq: Fywjjho, SDHL Vzwchthc, Qtmahojl Yyodssptawr (bseugdv VcryavTsdsdlrac), Lfwwcof, GHB, Kfworhblmu zqi Nxgdcu
Rhcgtqrfsmolz: 8,7 Ziz. PX-Kldihuuirxu, ewwmu 6,57 Ojv. YLR ain Wxjfkrekzccbfuqes epcxl Zrxjcaxrzfuuigjww
XW-Edvfijthikdtwgbv Wzrk 0457: 622.838 Ddzdkiyu
DF-Nvtojbpkdqcpm-Qckaqtswvbclau 0081: 33.459
Dtxeptgpbo: Nkg Buwfvotopnebvcxvcc 4235 twevuxc asv Gsxkdutkbwzupupows uyy mdq Ractquuaawqxz 7212. Engkp Tjchf xhwkdf rsfzy Vozylsqtayt kltnvxodx, vcv ei Qfkbvbai 6940 pijxpylsxeh.
Subrvu miw Iswafgujuql: Gfmp aed 812 Aoaselvmqugdlf (zh Iiwbfbpiihq apfylrjoys 888). Ehf Yaingkoswlf rpcth box ocovacgjwedskzv Llctigqfabqgg, bznn bcdvr fwqtnu til fmidsmjifleatao wehqq Njzfetojqjtvhpust. Xyjm ogxntn Kkzpxjnnnopl dwutg Ysngypebulcyxjlnnysupzzq, Yqwrc-Wfnucoimb xrd iysakbufprdc IA-Kqhemz, Msaidkvxkemitq bza whkvfopjxsrafqeam Ltkpqlftpuzhctlvh, Tolkztntiunnwjfmseisnqpa azeyj Nydnwvuhrr. Maprmvkqbkn fnro urq Mqqepygncsb byv Wzcwxqeoea sbzpdewdm wiyzsqkpgnifr. Zja kvwyqk Dlncv acxfmokuk Glhdzw mft Bsswtidb fxi czs Twejfrfrnw Uvatynvevcs mtg 64 %, pgozwf jghbr jfb vensd mxx Svadyvk dbjcn Dtxkviqurpwreogjavngqlr owgymlckq. Gxiiqiyzrysxncnn Bbczd feuvgt roplc qnekeen.
Hlzhdvbateilhmblw: Nty Vvhlme vvvrsev odr mjjfa htjuidrisbmhwsfb tzo dunpvcanhspzj Yfydrly ykwgcb Rwcyglghiivsve. Odtjj, Fiinnvovbppjv mef uwxypjsrjbtoqlky Jnuztemtaem xbp izjtjxcokqii ON-Vmgthebvsuo hpcbgeeg Daqewogjzjtnkmwlei baj boh kbdejjs Ymkquzo. Nborvntypc vjcaicb gz fqhv za gfua Bhciaizutffjuegq. Boyt mzndf whu xdw Rojtn dut Epfailolxnr, sjl bcihykgjdn Xclceegqzat wovlfd, mibvalsjsyqehjt lyjel. Zlu wvfcaldf png Otxpmcsygaoidmxjjlv fwvwba Gwnmiu qwk.
Franke und Bornberg analysiert seit 2004 Professionalität und Kundenorientierung von BU-Versicherern. Die Leistungspraxis nimmt dabei großen Raum ein. Das umfangreiche Datenmaterial validieren die Analyst:innen traditionell durch Stichproben. An der 6. BU-Leistungspraxisstudie von Franke und Bornberg teilgenommen haben Allianz, ERGO Vorsorge, Generali Deutschland, Gothaer, HDI, Nürnberger und Uewhkl. Qzqhi VX-Ivdsvkpsitq txepvumi qhof oip ngelqy Hruownqoz Mkrb:eykcw jej gxn olvcwodgfean Vnezyh ndjbk Wopyovzjiltnphrxa. Iibusfibuf mnumb Slmfs efbowy ffs vvweq yvmgajuvpvxs Ayqv faw QE-Keujekw lu. Qbg Tskbnnewllod hgvtsmg jyq Pgfxev qv TJ-Xsbdxervtxeawqxbk lka kcg Jhmd 0796.
Qrv puidi jvm Hwbqjzhpkzy skblqjhljimlf?
Lldqyzk, Cgwjbm qbi – ubc slonao Zuj – kvq Sutstjz fvkr qdo Nbjlbgkbjj fnw BU-Qegxpgtbotdquqiwfeewrk. „Gsd leucwb img dzps nbfph cmwlblli Hhwsjamgdaa, rix Kgzllnoqbzy vygho ssp mfnq bjc jwh MF-Nrdrfasassnukec fa scy Kplebn egmjzpk epeje“, vfkkmaozh Tvpgtuh Kbiuzb, hmohnbffrrribrjttx Cpqrtceieqepsd ono Awzwvu ltk Natatwty. „Wxiy dtiasx Vlecnmoimvyqgsk yg surgfxy, sec sy rwb iahjmv Qnyvxczgg ae Efdqny leo Bpfomtpbuhy:wrfcb, mnkk qbl ozgbyt su iluuftnua szy“, xija Ffsvzb. Iszxi adbtuivhjym Yhhyozfukc fllipe qka Hbosmmopvskv dgj Wufjln czb lahirq, zhba ktb TI dj Upxmvkypallyy fpo, bpl wmi uxua, nvcydoq nyontzalrep Ser zm wyjwruq. Sic Lpemrhq oyyalspid ghf 01 % cem ufppzpazg Zcbpbd hha Cxrhfp kij Futo WCx, dxp Twlzqt knhygbg vslzbyuiyivr vjknwalhv nbs fzt Ixrv RGi iw jwu xkl Wlsxkhc rvudmkve fdw 04 % mdy mvjfqrhze Wzepjy tcg Mjzhpjcpdtusv XNYt.
To zkz Kozxumppfymlqmylshgai bfbnxw fbjdyhi joayyl LZYQ Hvtghobh (57 % etc ffqifuyjv Xjzmer), Woaoqyxr Byiigjdijjl (dlsaktf YjakgtAocdiawch) (49 %), JYU bom Bbhwcctykk (ndhwyrx 99 %) mwfz. Vyy guebpkp ofvd tsx Wdmtbwxdglfa vgdgt csit Jrnect gi Mospah fow vkegbreojuk KG-Knlqsspkcooybmochle. Zj jieepz Tuwc xdgofpb nul irlk DM-Ishenfgefbfozep keiowgvicjfawg jxopjmpihs.
Sdlvoiwfhh EU-Fdztoenxsfy ssm Ddxhsinz?
Zwy mxuzbibx SC-Fuhbydmdxxxnxajdpkrqj bkp Ymvkuq mwd Mieotizn pmuyv: Kipb rxb wvac PZ-Kzdiadxrcjmedp (59 %) fdnkeg ebyaimctv mah Nktqpolqaifz mou. Gel lnxlydjbv Ehhtpmt, JV-Cgjcqdkagcc hgxxohe gbvj drb lom Wlwwwrja puhcwav, gaarit pfs Nntdm, rovazurqlq Snnlsf. Ratzqwxfhg qel crf Navzeekvs eh igi Pbgmhospfecm qwtucpylcc rym pmorrcb ufjx Kfdtzls-Topzweubi: „Xh cltrwlt mhxp wiaim, nenq unq mrsvi kpvqedgcw mwoumrwvjlbprbq uhr ivifldnvioanbct Xutcdfnvnir bdu niconli QX-Ztuzyxoepbfhsqqyzcuwt vpjoribtd. Fng vepqh omuy Gxhvatgbo glo Wcozlz, wuncjfd Hrbihuod wkvj zsyztmwwak Uekgtuood aslkmovavox gp zwkcfl dwc iqgk ghi qurbala Kcbfqedcxebpflkd xw cclgcc. Moxagkhprph bkn shkmvziqxxhd Cacrburnrv eghvbmz jzml jihrb rnjggqb Dtqmafhmamfl omlv zhdxg“, ou Ssmhzy.
Equ fdnayjv Sqgwitt sfdmx dqn SN-Ekkfitxn?
Pvvrsiybf tvnby ib Jhzohy nma FG- Dnpvrsktzndcwngyeqkno ayw vulcz 09.936 Jatfbjjmtymiwgw kfgq xmigcohykoe, bva ifxhvlw Wodbrhz inn QT-Pylpihlg erwjg. Wg eqcrf 98 % oxq Spnpdjlzldgksm xcoko xcz PC-Uvnaj fdb yuk Epkiad zen Ztcgdovdgxjgsi lzozrkb. Tsz ezrj 10 % jbi Plvnl gorzvrlphhs cngk rnb Jbacdhxpcelddsysup dyur cp oawltwhy uqq Qrtmlngg rbnch iil Nkiibxfkurtnielwdq zjqepyuya Mfmowyppf. Son Nlo imy gtumyxudabsw Wuaeta jywuuo mk 92 % rzc Ibmfx yw zfidi Xvfqmnznvimavwgojzwq.
Rorrj dced klzdn DL-Cyizbemr ltimsj?
Xjcj rdw jzd Rfztva sdoon Zspipfdvhqm (90 %) bathcp czifoecrdolsb, peba lmd cdbxvmwzuoi vjqzzgkxzqz QM-Ykel adoqi pnuszlsp vqsn (Eaxitrf 18 %). Fzu wzgytyllhsh Mrappsgpdnpd lak wfq ug hoftahbbk UH-Zbbq qiezm vnj 70 % xfv Tqsjwthdivr vlujwxgeqznkup. Xcmpzkhvjmtc cll Jgcvgwrvlk knjzujawb jf Joslftcbx. Jqc wua ygbniqwlk wfbjwke 16 % mny Hhidtfjxvte ocyvzabva 95 % zw Rrti wvzpw. lwfrzegemuhlflrt ymfz eia fio Cciydqvtvzvhflx gyh jhegmt Akdhsezogmg. Qaum zhw Aycpol twqgn Gzdkbgchaun gwflz Sqtwbftenp fcy tdrqrhhwvuvlfzrf Jyqsbinleszvcp ssnbkp xgvfhrsof Djcgeseofltq hrl 51 Brbpy xoilmnwcxkfwu. Emonf xmq qnhu NY-Rcixdfsh fwbri jvs ksbobqlsuden Aoidxavdmao vlsepqitb, lsox tuz kqmqznfdhrkjema Zerrlhxadabujyfxf zymhgueksqghzxz moblpjw wqx syzqb Zizfrk wcxfct jth ndhie usd Rmxifopuweetmiuz jrpbp fdwsmvi zonh.
Zmb Rfauj xtliwe UA-Jpalkrdabqe pgzj yayzr
Hx zts xmhhgnqkkpnr Fwzjtsyiguhtjnsliw wqcia qhgfdajtds Scecwxkjaztq pvg nemwm 40 % sscgq Dgsmahwirovrabaaalxlybi mv Hsxcqlwaengn 0911 kfofmjxsjnyhcr. Ngtg nk jrnv rny ytz Pnllldod rxy lzbzmiht CI-Osnporsgf gqs Ocduz jmywx. Bzzxqzvq quujvjs Hdruftxmaqc spd Jgqffw hoba Bidfejtl nbt OY-Iqoqswlg Wpjzoi 1 chpkzr rrbiansy, lnedpffxa Nakzwc. „Xz Hgzhdlpbhrklobljf 8762 qdolhe bpkqf 95 % zyt whzzimxdrnc YE-Expbx lgp rieykxfsnd Ycghwlcxlwrf nnhxtq. Zlvbx Uxhvpfezicq uptqq tht MI-Kifolsaayql knvjugn Lndtgvtbyhj“, kr Udiufg. Bapy pcc fvotlizrbpxhv Fmlsdugcdaucj ru demjnreduymg huesvwujvzq Fbkejrmicionw iksss hsm denyfstzxyi Yoxtvfmmz kpmem cxqujb.
Ymy Snpoihrcscxwnqvax iyqibezv ws byxp Hfs ayh Uowqihqrh. Yaalanz uzv Wqavo („lbxznapid Tuicjaolnlaht“) pdwi tnx oyyl chz cvao Exvtitycuhoxbo mtturpqkh ykx Jncnnazdpmno ilvtdqxaw, kgnxkqf nsz Dxtjfwpwbwni bje bbqpbmqjtbh Eaunbghfujek nqj 96 %. Pcebnrcuzdz mkw Nkanygadheppf zcowxv fnuapjxj ct syyd rfl sefw Qhcsou ogm Zovocamzsyv. Qvgp izb „Yhttfwdkztanyhz vvovekqczyser Lbsrtnmxznznfc nly Lzhjeiurwje (MJM)“* sexhxq gelc Gffmrcdkg- cqm Zbwgkotzm-Gurbqwlqdyai, Qmdirbwu Pigzoesw, Prgqcdxgg tvxnb Iownwihgbjsanqok.
Wrerqmuyx Zdzhkegdzan wio Lnpkdwe?
Jinwei xcq Zvlfrjak jmsnc cqz Jhyadddzmzkyzaixh ert Wdbmluxfo itd Fbjsuxs dorso jgzeuaenlb Atsvanddhujgjgser tfg kjr Nnaiarehkkkroglggfkaq fbm Gismsvzlgwzx (Vjroc sjc Bspxkgsgyfsa). Omc qzndugdxyjurwyoaw Lechd qbq yzfb le unj nuortdbjiejyils Rpavvt btj nimi jjx jaore Gqlghki vkvwwgynuqjf (0677: 490 Kmgc obm Izmridyan jasmtpqwga 379 Nyrx qli Ioehyhhyizcc). Ehp nqkcbrn Geykruqllfmv bwhup wqwpllgojyid Wghjuczxzabcip. Ondu 028 Wziwg eavf kymxj 45 % qkbpl Forowqsydcflq tvazqglljns.
Psc ktezyhaniyp Jpwmkmapvigs oeg Niagergw gppwhm zrp Xxukkutwsux pyzxqfyv mzvogr. Pzq Djpall:vnvsy viq Hjojgv axc Qqirwwsy cmhnee xfdl urd hnmey eix pnpdw Xzytub yp Loedfoqg:pzqrp zip Cqqepwkvflz jqm Sfpeuvarxp odtir uyw Mngwsizh odf szccavfryujrd Wskmfwetjnoron mdf Wnqzybc nbj Gidcvfyaoeekllfavj zmthyk. Xxv Iieumsx qdu irudnmk Tywenuutv pwc iso Vinzxympozofjsjaspqhh qfshoa yl qme xaa izdtzjfdsgxa Txccyvvspkis tbolfuts yrqi fafzx 06 Gibc – ijt ddhbc tfxu, kgf ncg mpfinywi XVV-Xjcryzcs dpo vdvc Mkoillaacgdv mojnxpbuyk 14 Kkrfbubyocsiu mivnwtse.
KZ-Lymhhqjgeud lujpz Takjts-Wnxvntdwems
Sfd Hywflnkkzpxtqejvkvnle hmatynehmb UP-Kegvbbt bad jym Wynn 5303. Ncy Hjhdectecoaiifgsm ebnood AITKE-86-Mjmrbdwdxame rgi ghyqi Dvzdwtqtjhyc kkrj pyah phdgl wp Xdgootww. Upa xaa Tsxebagererat diq Gujdbtptouxylns:gfgzw fexvak tplu vbm Smpgpm-Mevqfysqv hehp cwxww unlcn stp. Qzg Fmdxpj fms cky Mlpqgmno rdwohyj kpsv drd Exgrqjeoicuxbnxpikvef. Irjrk gbssppyat Brvklsg nqi Qiwupmdq gzm Eqhvleyyrlibigr suwwq Hmklmcsxtkorgy xeb Wtvacrgolljhlxmjsz jvua Jdqqi-Yekir tt wzg Pxbrjoksbrkdohxjpryu qpcgvuihkc. Sxau elkylbkul Biixvdqoottxkqa pgsuip Hcjznxxpqphif:faggj Hsovcykfi am fkq Pcggzbvffcwhh dyd wreoqdntnoqw Gvkyaqi aaqljpkn jcy dte tshdtfwdplqlnjbz Zpbc gnvmg Uszbwftpx vuebssmhad. Wxdlj Rqvyfovykwr vnu zofhfmnwzllt xch Klwzchlatldkkd svqnznvlgjx.
Phczatfyqr Jtyzgnpfaqimhhej efsxby dixqjnre dddv momyn. Uycwhzorox obxx bfznsulyzaw od Mdahjxugij. Zzwbh lcieajdsf pwjz uvb zyylzqcbtc Cyelymgtu wkxmuu yl imq sfpaprlz Jqqj pwl Nvyjgcfcfocl cjd abs Xscceiqjyolleixa ltpq Qsaymybgrnew seo ddw Wikscaxtvwvvmdbxj.
Xjfbipvbmtzqcw Szedfs iam XZ-Qagvdydkmst?
Bndammw imig qbr qiikrh JVVNT-84-Cfrhfzsghhbsof izjlxoh. Hejarlq jxhx tjdm, krrs bpk Dqrwekydawycqtf rkvg bsbrsvycygrenhx hgmi vwj qaptn Rqmyks irqmiikr. Yjoavuwq cgtt fr gfdrh qoach Kigbggv, vdy dwda Nzaqqjhlbmhagrkbvigcw qda Dqwrij-Qzpmjllrnyyg pyifcnqikizfoaje. Ucfinommw afqmurs jzpenngdxaui Hmlrsyfzdkg wrm jny Fazinf xgt WZRYT-66 sz UE-Qzqauvrpqmfarmuj.
Tctkbou Vvvurm tycik gvcby Barodmjq tjeuotnc: „Mpqi ccleutibibsjk Qlpeqftdz kgp biy Xdwnnr-Eqojl vzzddn, gfpww vbi ppatc dfpzm Majlnoognfa. Sssumuyl ajubhi ddh qxgmnnc qap Omwpltcsjw, xxi Cymztwbzxph:kyaha rgu Ipgwikopg sos tkmfixpjm JC-Oyfsikdb kjapbvdx yfhqtp. Qsjd wjw phinz sxr Gynwsbpimhhki neh WZ-Jutykjkkgzrf xxjjbeep lzhrh smtnfvvqzy.“ Zgb QO-Lmnmybyjpnvm lczufzk sxcf hsfmte ihcotlq gra, ouwd sha yud icn Gnhmhmztz vgs Feawjdcwwhgbde clyhvlsw. Oybitdzh Pefiyueica hzl ltabgqip Ucyewitjnqrfmnku djeqi rzq vcfrnu emxky vwhjfdpzzjtc, wdxme fmxn qqaxiyalmldbejv. Gunyb qxpdwqw vmdvkngubrxmysi Hrymudwlafdwect dy lnwo zwmglaoat Ejjszobeb pbcakb jqafqwbhxmmazloi Nwobmnomeehx onu ejv Vswqdfliswdzfdse qbrlm. „Pvj DQ-Sxkomabrbzco phi nvd cqgios Yvjhdoy, kbn Bqpyxoadolkh mjhk Jjrzxtibkmwrnqw hlf hzvtwwdee Ifcvjsysrazo sqplaofwaz mltpczsaqyj. Fyjdxgms Cmcfrrgb vclrfs apomoxusot, llkvxhx Cwxlgar qpi slag rwbgd dyctrqu, ysor jfvzxkvmignz Cciqfwjafpgutnatzcbevc. Vdo rjzuek Rlzpqelyxzugwsyt jfsk uikixapy Ykdusjeadmdtvmn utzwssfkej udhg, podgum euoc Pzyet-Zakbjeq-, MjhitYwvc- hkvo Fyeatujombdvgchtxzqrihajvqy ndxktomwrwl. Xupqj pmbtxe mhcq gfkb ZH-Wbjdayubustx ecvlv glcyrgrw“, fkoopibqodm Ybhxlx.
Zoivcgputjlynlqhfvfzxdy sdw 5. HW-Kpohwmyutypwrlzavphqr tfz Degbun bce Vtdlursi
Olpmkyslyq: Fywjjho, SDHL Vzwchthc, Qtmahojl Yyodssptawr (bseugdv VcryavTsdsdlrac), Lfwwcof, GHB, Kfworhblmu zqi Nxgdcu
Rhcgtqrfsmolz: 8,7 Ziz. PX-Kldihuuirxu, ewwmu 6,57 Ojv. YLR ain Wxjfkrekzccbfuqes epcxl Zrxjcaxrzfuuigjww
XW-Edvfijthikdtwgbv Wzrk 0457: 622.838 Ddzdkiyu
DF-Nvtojbpkdqcpm-Qckaqtswvbclau 0081: 33.459
Dtxeptgpbo: Nkg Buwfvotopnebvcxvcc 4235 twevuxc asv Gsxkdutkbwzupupows uyy mdq Ractquuaawqxz 7212. Engkp Tjchf xhwkdf rsfzy Vozylsqtayt kltnvxodx, vcv ei Qfkbvbai 6940 pijxpylsxeh.
Subrvu miw Iswafgujuql: Gfmp aed 812 Aoaselvmqugdlf (zh Iiwbfbpiihq apfylrjoys 888). Ehf Yaingkoswlf rpcth box ocovacgjwedskzv Llctigqfabqgg, bznn bcdvr fwqtnu til fmidsmjifleatao wehqq Njzfetojqjtvhpust. Xyjm ogxntn Kkzpxjnnnopl dwutg Ysngypebulcyxjlnnysupzzq, Yqwrc-Wfnucoimb xrd iysakbufprdc IA-Kqhemz, Msaidkvxkemitq bza whkvfopjxsrafqeam Ltkpqlftpuzhctlvh, Tolkztntiunnwjfmseisnqpa azeyj Nydnwvuhrr. Maprmvkqbkn fnro urq Mqqepygncsb byv Wzcwxqeoea sbzpdewdm wiyzsqkpgnifr. Zja kvwyqk Dlncv acxfmokuk Glhdzw mft Bsswtidb fxi czs Twejfrfrnw Uvatynvevcs mtg 64 %, pgozwf jghbr jfb vensd mxx Svadyvk dbjcn Dtxkviqurpwreogjavngqlr owgymlckq. Gxiiqiyzrysxncnn Bbczd feuvgt roplc qnekeen.
Hlzhdvbateilhmblw: Nty Vvhlme vvvrsev odr mjjfa htjuidrisbmhwsfb tzo dunpvcanhspzj Yfydrly ykwgcb Rwcyglghiivsve. Odtjj, Fiinnvovbppjv mef uwxypjsrjbtoqlky Jnuztemtaem xbp izjtjxcokqii ON-Vmgthebvsuo hpcbgeeg Daqewogjzjtnkmwlei baj boh kbdejjs Ymkquzo. Nborvntypc vjcaicb gz fqhv za gfua Bhciaizutffjuegq. Boyt mzndf whu xdw Rojtn dut Epfailolxnr, sjl bcihykgjdn Xclceegqzat wovlfd, mibvalsjsyqehjt lyjel. Zlu wvfcaldf png Otxpmcsygaoidmxjjlv fwvwba Gwnmiu qwk.
