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Во сколько обойдется страхование жилья от чрезвычайных ситуаций?

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00:19 01/08/2019

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Мария Волуйская
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4 августа 2019 года вступает в силу федеральный закон, который предусматривает развитие нового вида страхования жилья – от чрезвычайных ситуаций (ЧС). Согласно ему, владелец недвижимости сможет получить страховую выплату в случае утраты или повреждения жилья от ЧС, оплачивая ежемесячные взносы страховщику. Платеж будет автоматически включен в квитанцию ЖКХ, собственнику не придется лично обращаться в страховые компании для заключения договора. При этом участие в программе добровольное: человек может не оплачивать сумму, указанную в строке «Добровольное страхование жилья от чрезвычайных ситуаций».

Как ранее сообщил президент Всероссийского союза страховщиков (ВСС) Игорь Юргенс, новый вид страхования жилья вводится для того, чтобы компенсации в случае ЧС выплачивались не из резервного фонда президента или из бюджета, а страховыми компаниями. Сначала программы заработают в 10 регионах страны, где уже значительно развито страхование: Санкт-Петербурге, Московской, Ленинградской, Тверской, Белгородской, Свердловской, Тюменской, Омской, Новосибирской областях, а также в Пермском крае.

Президент ВСС Игорь Юргенс рассказал АиФ.ru, сколько будет стоить страховка жилья от чрезвычайных ситуаций, какую компенсацию по ней можно будет получить, а также какую помощь в случае ЧС получат те, кто откажется страховать жилье.

Статья по теме

Кого заставят страховать жильё? В платёжках за ЖКУ появится новый пункт

Как будет рассчитываться размер платежа по страховке?

По словам Юргенса, федеральный минимум страховки от ЧС составит 360 рублей в год, то есть 30 рублей в месяц. «Закон вышел, а подзаконные акты еще регистрируются в Минюсте. 360 рублей в год – это установленный минимум. Региональные программы будут отличаться, так как жилье в них стоит по-разному, поэтому будут региональные различия», – заявил президент ВСС. По его словам, в платежках жителей одного региона будет прописана одна и та же сумма страхования жилья от ЧС.

Платежи пойдут в фонд национального перестраховщика: страховые компании будут заключать договоры страхования, а затем те будут отдаваться в перестрахование в Российскую национальную перестраховочную компанию (РНПК). «Сумма платежа на 95% уйдет в Российскую национальную перестраховочную компанию – госкомпанию Центрального банка  – для создания пула регионов, которые наиболее подвержены ЧС. Мы будем создавать пул, в том числе, и в тех регионах, где крайне редко происходят наводнения, землетрясения и другие чрезвычайные ситуации. За счет этих денег будет осуществляться помощь регионам, где это случается достаточно часто», – пояснил Юргенс.

По словам эксперта, граждане могут оформить страховку не только от ЧС, но и от возможных рисков утраты или повреждения жилья в результате других жизненных ситуаций. Она будет действовать в рамках отдельной региональной программы, поэтому стать ее участником автоматически не получится – придется самостоятельно оформлять договор со страховой компанией. «Если человек хочет застраховаться от всех рисков помимо ЧС: пожаров, затоплений, взрывов газа и других, его полис рассчитывается по стоимости три рубля за квадратный метр жилья. Таким образом, если он владеет квартирой 50 кв. м, он платит в месяц 150 рублей, а в год – 1800 рублей», – говорит Юргенс.

Пенсии, счетчики, страховка. Что изменится в жизни россиян с августа?

Подробнее

Какой размер компенсации можно будет получить по страховке?

Если в регионе будет объявлен режим ЧС, страховщик выплатит компенсацию в размере от 300 до 500 тысяч рублей. «Эта компенсация “достраивается” выплатами региона. Весь закон построен на софинансировании регионов. В Москве, когда эта система начинала работать в 1990-х годах, выплаты делались в пропорции 50 на 50. Потом постепенно городская часть стала снижаться, потому что накопился достаточный пул денег», – говорит президент ВСС. По его словам, если человек выберет другую программу страхования жилья, не только от ЧС, выплаты будут существенно выше – вплоть до покрытия расходов на полное восстановление жилья.

Статья по теме

Развод на «коммуналке». Каких услуг не должно быть в платежке за ЖКХ

Юргенс считает, что федеральные средства так или иначе будут участвовать в выплате компенсаций, но уже в гораздо меньшем объеме. «Если будут происходить события, как, например недавнее наводнение в Иркутске, государство все равно будет выделять средства из какого-то резервного фонда. Но, в целом, с бюджета надо снимать нагрузку, потому что он сейчас и так претерпевает трудности», – поясняет эксперт.

Какую помощь в случае ЧС можно будет получить без страховки?

В случае ЧС граждане, у которых не будет страховки, не смогут рассчитывать на возмещение ущерба в полном объеме. Они получат только ту помощь, которую окажут власти региона, исходя из своих финансовых возможностей. «Если произойдет ЧС и человек, не имеющий страховки, утратит жилье, он получит помощь только от региональных властей. По закону, он не может остаться на улице. Но он получит жилье по договору социального найма – по типу общежития, которое нельзя приватизировать. Сейчас обсуждается, сможет ли он передавать впоследствии его по наследству или нет», – говорит Юргенс.

Эксперт не исключает, что страховые выплаты будут поступать гражданам быстрее, чем помощь из бюджета региона.

Когда выплаты по страховке появятся в платежках?

По словам Юргенса, сказать точно, что новые строчки в платежных документах появятся в августе или, например, в сентябре, пока нельзя. «Пока Минюст не зарегистрирует методики и тарифы, мы не можем действовать. Ожидается, что система страхования заработает в ближайшее время», – отметил президент Всероссийского союза страховщиков.

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