{"id":52046,"date":"2025-04-07T15:37:46","date_gmt":"2025-04-07T11:37:46","guid":{"rendered":"https:\/\/www.buyanyinsurance.ae\/blog\/?p=52046"},"modified":"2025-11-28T12:25:19","modified_gmt":"2025-11-28T08:25:19","slug":"%d8%a7%d9%84%d8%ad%d9%88%d8%a7%d8%af%d8%ab-%d8%a7%d9%84%d9%85%d8%b1%d9%88%d8%b1%d9%8a%d8%a9","status":"publish","type":"post","link":"https:\/\/www.buyanyinsurance.ae\/blog\/ar\/%d8%a7%d9%84%d8%ad%d9%88%d8%a7%d8%af%d8%ab-%d8%a7%d9%84%d9%85%d8%b1%d9%88%d8%b1%d9%8a%d8%a9\/","title":{"rendered":"\u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629: \u0643\u064a\u0641 \u062a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u061f"},"content":{"rendered":"\n

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<\/div>\n\n\n\n

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<\/div>\n\n\n\n

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\u062a\u062c\u062f\u064a\u062f \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0648\u0644\u0627 \u0623\u0633\u0647\u0644<\/a><\/div>\n<\/div>\n\n\n\n
<\/div>\n\n\n\n

\u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629 \u0639\u0644\u0649 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/h2>\n\n\n\n

\u062a\u0624\u062b\u0631 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629 \u0639\u0644\u0649 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u062c\u0627\u0646\u0628\u064a\u0646 \u0627\u062b\u0646\u064a\u0646\u060c \u0623\u0648\u0644\u0647\u0627 \u0642\u0633\u0637 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629\u060c \u0648\u062b\u0627\u0646\u064a\u0647\u0645\u0627 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0642\u0633\u0637 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629<\/mark><\/h3>\n\n\n\n

\u062a\u0646\u0638\u0631 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0625\u0644\u0649 \u0627\u0644\u0633\u0627\u0626\u0642\u064a\u0646 \u0645\u0631\u062a\u0643\u0628\u064a \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629 \u0648\u0627\u0644\u0645\u062e\u0627\u0644\u0641\u0627\u062a \u0639\u0644\u0649 \u0623\u0646\u0647\u0645 \u0641\u0626\u0629 \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u062e\u0637\u0648\u0631\u0629\u060c \u0645\u064f\u0631\u062c\u062d\u0629 \u0644\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u062a\u0639\u0648\u064a\u0636\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646. \u0648\u0648\u0641\u0642\u064b\u0627 \u0644\u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a\u060c \u0641\u0625\u0646 \u0627\u0644\u0633\u0627\u0626\u0642\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u0627\u0631\u062a\u0643\u0628\u0648\u0627 \u062d\u0648\u0627\u062f\u062b \u0648\u0642\u062f\u0645\u0648\u0627 \u0645\u0637\u0627\u0644\u0628\u0627\u062a\u060c \u064a\u0631\u062a\u0641\u0639 \u0633\u0639\u0631 \u062a\u0623\u0645\u064a\u0646\u0647\u0645 \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0645\u0627 \u0628\u064a\u0646 10% \u0625\u0644\u0649 15% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0633\u0639\u0631 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629<\/mark><\/h3>\n\n\n\n

\u0623\u0645\u0627 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0645\u0631\u062a\u0643\u0628\u064a \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629\u060c \u0642\u062f \u062a\u062e\u062a\u0644\u0641 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0628\u0639\u062f \u062a\u0642\u062f\u064a\u0645 \u0645\u0637\u0627\u0644\u0628\u0629 \u0644\u0634\u0631\u0643\u0629 \u062a\u0623\u0645\u064a\u0646. \u064a\u0634\u064a\u0631 \u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0646\u0647 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629\u060c \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u0637\u0644\u0628 \u0634\u0631\u0643\u0627\u062a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0645\u0646 \u0627\u0644\u0633\u0627\u0626\u0642\u064a\u0646 \u0645\u0631\u062a\u0643\u0628\u064a \u0627\u0644\u062d\u0648\u0627\u062f\u062b\u060c \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u063a\u064a\u0631<\/a> \u0628\u062f\u0644\u064b\u0627 \u0645\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0634\u0627\u0645\u0644<\/a>\u060c \u0639\u0646\u062f \u062a\u062c\u062f\u064a\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0648\u0630\u0644\u0643 \u0646\u0638\u0631\u064b\u0627 \u0644\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0643\u0628\u064a\u0631\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u0643\u0628\u062f\u0647\u0627 \u0627\u0644\u0634\u0631\u0643\u0629. \u0641\u0645\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u063a\u064a\u0631 \u0633\u062a\u0642\u0648\u0645 \u0627\u0644\u0634\u0631\u0643\u0629 \u0628\u062f\u0641\u0639 \u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a \u0644\u0644\u0645\u062a\u0636\u0631\u0631 \u063a\u064a\u0631 \u0627\u0644\u0645\u062e\u0637\u0626 \u0641\u0642\u0637. \u0628\u064a\u0646\u0645\u0627 \u0633\u064a\u0642\u0648\u0645 \u0645\u0631\u062a\u0643\u0628 \u0627\u0644\u062d\u0627\u062f\u062b \u0628\u0625\u0635\u0644\u0627\u062d \u0623\u0636\u0631\u0627\u0631 \u0633\u064a\u0627\u0631\u062a\u0647 \u0648\u062d\u062f\u0647\u060c \u0644\u0627 \u0627\u0639\u062a\u0645\u0627\u062f\u064b\u0627 \u0639\u0644\u0649 \u062a\u0639\u0648\u064a\u0636 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062a\u064a \u062a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0642\u0633\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0639\u062f \u0648\u0642\u0648\u0639 \u062d\u0627\u062f\u062b<\/h2>\n\n\n\n

\u0641\u064a \u0623\u062b\u0646\u0627\u0621 \u062a\u062d\u062f\u064a\u062f \u0633\u0639\u0631 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629\u060c \u0648\u0628\u0639\u062f \u0648\u0642\u0648\u0639 \u062d\u0627\u062f\u062b\u060c \u062a\u0623\u062e\u0630 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0639\u062f\u0629 \u0639\u0648\u0627\u0645\u0644\u060c \u0645\u0646\u0647\u0627:<\/p>\n\n\n\n

– \u062e\u0637\u0648\u0631\u0629 \u0627\u0644\u062d\u0627\u062f\u062b:<\/strong> \u0644\u0627 \u062a\u0636\u0639 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0636\u0645\u0646 \u0641\u0626\u0629 \u0648\u0627\u062d\u062f\u0629. \u0641\u062d\u0627\u062f\u062b \u0628\u0633\u064a\u0637 \u0645\u062b\u0644 \u062a\u062d\u0637\u0645 \u0645\u0631\u0622\u0629 \u062c\u0627\u0646\u0628\u064a\u0629 \u0644\u0627 \u064a\u064f\u0642\u0627\u0631\u0646 \u0628\u062d\u0627\u062f\u062b \u0627\u0646\u0642\u0644\u0627\u0628 \u0633\u064a\u0627\u0631\u0629 \u0623\u0648 \u062a\u0635\u0627\u062f\u0645 \u0634\u062f\u064a\u062f \u0646\u0627\u062a\u062c \u0639\u0646 \u0627\u0644\u0633\u0631\u0639\u0629\u060c \u0648\u0644\u0627 \u0633\u064a\u0645\u0627 \u0625\u0630\u0627 \u0623\u062f\u0649 \u0625\u0644\u0649 \u0623\u0636\u0631\u0627\u0631 \u062c\u0633\u064a\u0645\u0629 \u0623\u0648 \u0625\u0635\u0627\u0628\u0627\u062a \u0628\u062f\u0646\u064a\u0629.<\/p>\n\n\n\n

– \u0627\u0644\u0645\u0633\u0624\u0648\u0644 \u0639\u0646 \u0627\u0644\u062d\u0627\u062f\u062b:<\/strong> \u062a\u062d\u062f\u064a\u062f \u0645\u0646 \u0647\u0648 \u0627\u0644\u0645\u0633\u0624\u0648\u0644 \u0639\u0646 \u0627\u0644\u062d\u0627\u062f\u062b \u0645\u0633\u0623\u0644\u0629 \u0641\u064a \u063a\u0627\u064a\u0629 \u0627\u0644\u0623\u0647\u0645\u064a\u0629. \u062d\u064a\u062b \u062a\u062a\u062d\u0645\u0644 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u062a\u0636\u0631\u0631 \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0648\u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627. \u0648\u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u064a\u0643\u0648\u0646 \u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0634\u0631\u0637\u0629 \u0647\u0648 \u0627\u0644\u0641\u064a\u0635\u0644 \u0641\u064a \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0645\u0633\u0624\u0648\u0644.<\/p>\n\n\n\n

– \u0633\u062c\u0644 \u0627\u0644\u0642\u064a\u0627\u062f\u0629:<\/strong> \u0623\u062d\u062f \u0623\u0647\u0645 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0645\u0624\u062b\u0631\u0629 \u0641\u064a \u062a\u062d\u062f\u064a\u062f \u062a\u0643\u0644\u0641\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629. \u0641\u0627\u0644\u0633\u0627\u0626\u0642 \u0630\u0648 \u0627\u0644\u0633\u062c\u0644 \u0627\u0644\u0646\u0638\u064a\u0641 \u0642\u062f \u064a\u062d\u0635\u0644 \u0639\u0644\u0649 \u062e\u0635\u0648\u0645\u0627\u062a \u062a\u0635\u0644 \u0625\u0644\u0649 20%.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0625\u062d\u0635\u0627\u0621\u0627\u062a 2024 \u062d\u0648\u0644 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629 \u0627\u0644\u0623\u0643\u062b\u0631 \u0634\u064a\u0648\u0639\u064b\u0627 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a <\/h2>\n\n\n\n

\u0641\u064a \u0639\u0627\u0645 2024\u060c \u0628\u0644\u063a\u062a \u0623\u0639\u062f\u0627\u062f \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 4748 \u062d\u0627\u062f\u062b\u064b\u0627 \u0645\u0631\u0648\u0631\u064a\u064b\u0627\u060c \u0623\u0633\u0641\u0631 \u0639\u0646 6032 \u0625\u0635\u0627\u0628\u0629 \u0648384 \u0648\u0641\u0627\u0629. \u0648\u062c\u0627\u0621\u062a \u0623\u0639\u062f\u0627\u062f \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0648\u0627\u0644\u0648\u0641\u064a\u0627\u062a \u0648\u0627\u0644\u0625\u0635\u0627\u0628\u0629 \u0641\u064a \u0643\u0644 \u0645\u0646 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0648\u0641\u0642 \u0627\u0644\u062c\u062f\u0648\u0644 \u0627\u0644\u0622\u062a\u064a:<\/p>\n\n\n\n

<\/div>\n\n\n\n
\u0627\u0644\u0625\u0645\u0627\u0631\u0629<\/th>\u0639\u062f\u062f \u0627\u0644\u062d\u0648\u0627\u062f\u062b<\/th>\u0639\u062f\u062f \u0627\u0644\u0648\u0641\u064a\u0627\u062a<\/th>\u0639\u062f\u062f \u0627\u0644\u0625\u0635\u0627\u0628\u0627\u062a<\/th><\/tr><\/thead>
\u062f\u0628\u064a<\/td>2486<\/td>158<\/td>2951<\/td><\/tr>
\u0623\u0628\u0648\u0638\u0628\u064a<\/td>1449<\/td>123<\/td>2076<\/td><\/tr>
\u0627\u0644\u0634\u0627\u0631\u0642\u0629<\/td>342<\/td>32<\/td>419<\/td><\/tr>
\u0639\u062c\u0645\u0627\u0646<\/td>92<\/td>11<\/td>111<\/td><\/tr>
\u0631\u0623\u0633 \u0627\u0644\u062e\u064a\u0645\u0629<\/td>171<\/td>30<\/td>201<\/td><\/tr>
\u0623\u0645 \u0627\u0644\u0642\u064a\u0648\u064a\u0646<\/td>62<\/td>18<\/td>63<\/td><\/tr>
\u0627\u0644\u0641\u062c\u064a\u0631\u0629<\/td>157<\/td>12<\/td>211<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/div>\n\n\n\n
\n
\u0646\u0642\u0631\u0629 \u0648\u0627\u062d\u062f\u0629 \u062a\u0645\u0646\u062d\u0643 \u0627\u0644\u062d\u0645\u0627\u064a\u0629!<\/a><\/div>\n<\/div>\n\n\n\n
<\/div>\n\n\n\n

\u0623\u0628\u0631\u0632 \u0623\u0633\u0628\u0627\u0628 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629 \u0641\u064a 2024<\/h2>\n\n\n\n

\u062d\u062f\u062f\u062a \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629<\/a> \u0646\u062d\u0648 66 \u0633\u0628\u0628\u064b\u0627 \u0644\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629\u060c \u0648\u0623\u0628\u0631\u0632\u0647\u0627 \u0628\u0627\u0644\u062a\u0631\u062a\u064a\u0628:<\/p>\n\n\n\n

– \u0627\u0644\u0627\u0646\u062d\u0631\u0627\u0641 \u0627\u0644\u0645\u0641\u0627\u062c\u0626.<\/p>\n\n\n\n

– \u0627\u0644\u0627\u0646\u0634\u063a\u0627\u0644 \u0639\u0646 \u0627\u0644\u0637\u0631\u064a\u0642 \u0641\u064a \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u0642\u064a\u0627\u062f\u0629 \u0628\u0623\u064a \u0635\u0648\u0631\u0629 \u0643\u0627\u0646\u062a.<\/p>\n\n\n\n

– \u0639\u062f\u0645 \u062a\u0631\u0643 \u0645\u0633\u0627\u0641\u0629 \u0623\u0645\u0627\u0646.<\/p>\n\n\n\n

– \u0627\u0644\u0625\u0647\u0645\u0627\u0644 \u0648\u0639\u062f\u0645 \u0627\u0644\u0627\u0646\u062a\u0628\u0627\u0647.<\/p>\n\n\n\n

\u0643\u0630\u0644\u0643\u060c \u0623\u0638\u0647\u0631\u062a \u062a\u0642\u0627\u0631\u064a\u0631 \u0625\u062f\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0631\u0648\u0631 \u0641\u064a \u062f\u0648\u0644\u0629 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a\u060c \u0628\u0623\u0646 \u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0627\u0644\u0636\u0648\u0626\u064a\u0629 \u0627\u0644\u062d\u0645\u0631\u0627\u0621\u060c \u0648\u0627\u0644\u0633\u0631\u0639\u0629 \u0627\u0644\u0632\u0627\u0626\u062f\u0629\u060c \u0648\u0639\u062f\u0645 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u062e\u0637 \u0627\u0644\u0633\u064a\u0631\u060c \u0648\u0627\u0644\u062f\u062e\u0648\u0644 \u0625\u0644\u0649 \u0634\u0627\u0631\u0639 \u0642\u0628\u0644 \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u062e\u0644\u0648\u0647\u060c \u0645\u0646 \u0623\u0628\u0631\u0632 \u0627\u0644\u0623\u0633\u0628\u0627\u0628 \u0627\u0644\u0623\u062e\u0631\u0649 \u0641\u064a \u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0645\u0627\u0630\u0627 \u064a\u0641\u0631\u0636 \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0633\u0627\u0626\u0642 \u0627\u0644\u0645\u062e\u0637\u0626\u061f<\/h2>\n\n\n\n

\u0623\u0638\u0647\u0631\u062a \u0627\u0644\u0625\u062d\u0635\u0627\u0621\u0627\u062a \u0627\u0644\u062a\u064a \u0646\u0634\u0631\u062a\u0647\u0627 \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u0641\u064a \u0639\u0627\u0645 2024 \u0623\u0646 \u0623\u0639\u062f\u0627\u062f \u0648\u0641\u064a\u0627\u062a \u0627\u0644\u0634\u0628\u0627\u0628 \u0641\u064a \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629 \u0645\u0646 \u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0639\u0645\u0631\u064a\u0629 \u0628\u064a\u0646 18 \u0648 30 \u0639\u0627\u0645\u064b\u0627 \u0628\u0644\u063a\u062a 154\u060c \u0645\u0642\u0627\u0628\u0644 157 \u0648\u0641\u0627\u0629 \u0641\u064a \u0639\u0627\u0645 2023. \u0648\u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0639\u0645\u0631\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u0631\u0627\u0648\u062d \u0623\u0639\u0645\u0627\u0631\u0647\u0645 \u0628\u064a\u0646  31 \u0625\u0644\u0649 45 \u0633\u0646\u0629\u060c \u062a\u0645 \u062a\u0633\u062c\u064a\u0644 101 \u0648\u0641\u0627\u0629\u060c \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0640 110 \u062d\u0627\u0644\u0629 \u0648\u0641\u0627\u0629 \u0641\u064a \u0633\u0646\u0629 2023.  <\/p>\n\n\n\n

\u0648\u0642\u062f \u0623\u0634\u0627\u0631\u062a \u062a\u0642\u0627\u0631\u064a\u0631 \u0639\u0627\u0644\u0645\u064a\u0629 \u0623\u0646 \u0646\u062d\u0648 73% \u0645\u0646 \u0627\u0644\u0648\u0641\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u062c\u0645\u0629 \u0639\u0646 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629\u060c \u064a\u062a\u0639\u0631\u0636 \u0644\u0647\u0627 \u0627\u0644\u0634\u0628\u0627\u0628 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0627\u0644\u0628\u0646\u0627\u062a\u060c \u0648\u062e\u0627\u0635\u0629 \u0645\u0646\u0647\u0645 \u0627\u0644\u0630\u064a\u0646 \u062a\u0642\u0644 \u0623\u0639\u0645\u0627\u0631\u0647\u0645 \u0639\u0646 25 \u0639\u0627\u0645\u064b\u0627. \u0648\u0628\u0647\u0630\u0627 \u0641\u0625\u0646 \u0627\u062d\u062a\u0645\u0627\u0644\u064a\u0629 \u062a\u0639\u0631\u0636\u0647\u0645 \u0644\u0648\u0641\u0627\u0629 \u0646\u062a\u064a\u062c\u0629 \u062d\u0627\u062f\u062b \u0633\u064a\u0627\u0631\u0629 \u0647\u064a \u062b\u0644\u0627\u062b\u0629 \u0623\u0636\u0639\u0627\u0641 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0641\u062a\u064a\u0627\u062a. <\/p>\n\n\n\n

\u0648\u0628\u0633\u0628\u0628 \u0627\u0631\u062a\u0641\u0627\u0639 \u0646\u0633\u0628 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0628\u064a\u0646 \u0627\u0644\u0634\u0628\u0627\u0628\u060c \u062a\u0645 \u062a\u0634\u0631\u064a\u0639 \u0628\u0639\u0636 \u0627\u0644\u0628\u0646\u0648\u062f \u0641\u064a \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0647\u062f\u0641 \u0625\u0644\u0649 \u062a\u062d\u0645\u064a\u0644 \u0627\u0644\u0633\u0627\u0626\u0642\u064a\u0646 \u0627\u0644\u0634\u0628\u0627\u0628 \u062c\u0632\u0621\u064b\u0627 \u0645\u0646 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0646\u062f \u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b. \u0625\u0630 \u064a\u062c\u064a\u0632 \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 (\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0645\u0648\u062d\u062f\u0629 \u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0629 \u0645\u0646 \u0627\u0644\u0641\u0642\u062f \u0648\u0627\u0644\u062a\u0644\u0641\u00a0\u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0628\u0645\u0648\u062c\u0628 \u0646\u0638\u0627\u0645 \u062a\u0648\u062d\u064a\u062f \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0633\u0646\u062f\u0627\u064b \u0644\u0642\u0631\u0627\u0631 \u0645\u062c\u0644\u0633 \u0625\u062f\u0627\u0631\u0629 \u0647\u064a\u0626\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0631\u0642\u0645 (25) \u0644\u0633\u0646\u0629 2016) \u0628\u062a\u062d\u0645\u064a\u0644 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0627\u0644\u0645\u062a\u0633\u0628\u0628 \u0628\u0627\u0644\u062d\u0627\u062f\u062b \u0646\u0633\u0628\u0629 \u062a\u062d\u0645\u0644 \u0623\u0648 \u0645\u0628\u0644\u063a \u064a\u0642\u062a\u0637\u0639 \u0645\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0643\u0644 \u062d\u0627\u062f\u062b \u064a\u062a\u0633\u0628\u0628 \u0628\u0647 \u0634\u062e\u0635\u064a\u064b\u0627. \u0644\u0644\u062a\u0639\u0631\u0641 \u0625\u0644\u0649 \u062c\u062f\u0648\u0644 \u0646\u0633\u0628 \u0627\u0644\u062a\u062d\u0645\u0644 \u0627\u0646\u0642\u0631 \u0647\u0646\u0627<\/a>.<\/p>\n\n\n\n

\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u064a\u062c\u0648\u0632 \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u062d\u0645\u064a\u0644 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0645\u0628\u0644\u063a \u062a\u062d\u0645\u0644 \u0625\u0636\u0627\u0641\u064a \u0628\u0646\u0633\u0628\u0629 10%  \u0643\u062d\u062f \u0623\u0642\u0635\u0649 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0639\u0645\u0631 \u0627\u0644\u0633\u0627\u0626\u0642 \u0623\u0642\u0644 \u0645\u0646 25 \u0633\u0646\u0629.<\/p>\n\n\n\n

<\/div>\n\n\n
\n
\"\u0646\u0638\u0627\u0645<\/figure><\/div>\n\n\n
<\/div>\n\n\n\n

\u0646\u0638\u0627\u0645 \u062e\u0635\u0645 \u0639\u062f\u0645 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a (No-Claims Bonus)<\/h2>\n\n\n\n

\u064a\u062c\u064a\u0632 \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0644\u0634\u0631\u0643\u0627\u062a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0645\u0646\u062d \u0627\u0644\u0639\u0645\u064a\u0644 \u062e\u0635\u0645\u064b\u0627 \u064a\u0635\u0644 \u0625\u0644\u0649 20% \u0645\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a\u060c \u0625\u0630\u0627 \u0644\u0645 \u064a\u062a\u0633\u0628\u0628 \u0641\u064a \u0648\u0642\u0648\u0639 \u0623\u064a \u062d\u0627\u062f\u062b \u062e\u0644\u0627\u0644 \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0633\u0646\u0648\u0627\u062a.<\/p>\n\n\n\n

\u0648\u064a\u0623\u062a\u064a \u0627\u0644\u062e\u0635\u0645 \u0639\u0644\u0649 \u0627\u0644\u0646\u062d\u0648 \u0627\u0644\u0622\u062a\u064a:<\/p>\n\n\n\n

– 10% \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0623\u0648\u0644\u0649.<\/p>\n\n\n\n

– 15% \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629.<\/p>\n\n\n\n

– 20% \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062b\u0627\u0644\u062b\u0629.<\/p>\n\n\n\n

\u0648\u0647\u064a \u0637\u0631\u064a\u0642\u0629 \u0631\u0627\u0626\u0639\u0629 \u0644\u062e\u0641\u0636 \u062a\u0643\u0644\u0641\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629\u060c \u064a\u0645\u0643\u0646 \u0644\u0644\u0642\u064a\u0627\u062f\u0629 \u0627\u0644\u062d\u0630\u0631\u0629 \u0623\u0648 \u0627\u0644\u0642\u064a\u0627\u062f\u0629 \u0627\u0644\u062f\u0641\u0627\u0639\u064a\u0629 \u062a\u0642\u0644\u064a\u0644 \u062e\u0637\u0631 \u0627\u0644\u0627\u0646\u062e\u0631\u0627\u0637 \u0641\u064a \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629\u060c \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u062e\u0635\u0645.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0646\u0642\u0644 \u062e\u0635\u0645 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0645\u0637\u0627\u0644\u0628\u0629<\/h2>\n\n\n\n

\u064a\u0631\u062a\u0628\u0637 \u062e\u0635\u0645 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u0627\u0644\u0633\u0627\u0626\u0642 \u0644\u0627 \u0628\u0627\u0644\u0645\u0631\u0643\u0628\u0629\u060c \u0644\u0630\u0644\u0643 \u0644\u0627 \u064a\u0641\u0642\u062f \u0627\u0644\u0645\u0624\u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u062e\u0635\u0645\u060c \u0648\u0625\u0646\u0645\u0627 \u064a\u0633\u062a\u0637\u064a\u0639 \u0646\u0642\u0644\u0647 \u0639\u0646\u062f \u062a\u063a\u064a\u064a\u0631 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0648 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646.<\/p>\n\n\n\n

\u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u0637\u0644\u0628 \u0634\u0631\u0643\u0627\u062a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0634\u0647\u0627\u062f\u0629 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0644\u0645\u0646\u062d \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u062c\u062f\u064a\u062f \u0627\u0644\u062e\u0635\u0645. \u0648\u064a\u0645\u0643\u0646 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0634\u0647\u0627\u062f\u0629 \u0645\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0627\u0644\u064a\u0629.<\/p>\n\n\n\n

<\/div>\n\n\n\n
\n
\u0642\u0627\u0631\u0646 \u0639\u0631\u0648\u0636 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0622\u0646!<\/a><\/div>\n<\/div>\n\n\n\n
<\/div>\n\n\n\n

\u0643\u064a\u0641 \u064a\u0639\u0645\u0644 \u062e\u0635\u0645 \u0639\u062f\u0645 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0641\u064a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629\u061f<\/h2>\n\n\n\n

\u0625\u0646 \u062e\u0635\u0645 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0647\u0648 \u062d\u0627\u0641\u0632 \u064a\u0645\u0646\u062d \u0644\u0644\u0633\u0627\u0626\u0642\u064a\u0646 \u0644\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0633\u062c\u0644 \u0642\u064a\u0627\u062f\u0629 \u0646\u0638\u064a\u0641\u060c \u0648\u062a\u0634\u062c\u064a\u0639 \u0627\u0644\u0633\u0627\u0626\u0642\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0642\u064a\u0627\u062f\u0629 \u0627\u0644\u0622\u0645\u0646\u0629. \u064a\u0645\u0643\u0646 \u0644\u0644\u0633\u0627\u0626\u0642 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u062e\u0635\u0645 \u0641\u0642\u0637 \u0639\u0646\u062f \u062a\u062c\u062f\u064a\u062f \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0623\u0648 \u0639\u0646\u062f \u0634\u0631\u0627\u0621 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646.<\/p>\n\n\n\n

\u064a\u0631\u062a\u0628\u0637 \u0647\u0630\u0627 \u0627\u0644\u062e\u0635\u0645 \u0643\u0645\u0627 \u0623\u0634\u0631\u0646\u0627 \u0633\u0627\u0628\u0642\u064b\u0627 \u0628\u0627\u0644\u0633\u0627\u0626\u0642 \u0648\u0644\u064a\u0633 \u0628\u0627\u0644\u0645\u0631\u0643\u0628\u0629\u060c \u0644\u0630\u0627 \u064a\u0645\u0643\u0646 \u0646\u0642\u0644\u0647 \u0645\u062a\u0649 \u0623\u0631\u0627\u062f \u0627\u0644\u0633\u0627\u0626\u0642 \u062a\u063a\u064a\u064a\u0631 \u0645\u0631\u0643\u0628\u062a\u0647 \u0623\u0648 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0648 \u062d\u062a\u0649 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646.<\/p>\n\n\n\n

\u064a\u064f\u0645\u0646\u062d \u0647\u0630\u0627 \u0627\u0644\u062e\u0635\u0645 \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0645\u0645\u0627 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062e\u0641\u0636 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629\u060c \u0648\u0642\u062f \u062a\u062e\u062a\u0644\u0641 \u0634\u0631\u0648\u0637 \u0627\u0644\u062e\u0635\u0645 \u0645\u0646 \u0634\u0631\u0643\u0629 \u062a\u0623\u0645\u064a\u0646 \u0625\u0644\u0649 \u0623\u062e\u0631\u0649\u060c \u0644\u0630\u0644\u0643 \u0645\u0646 \u0627\u0644\u0636\u0631\u0648\u0631\u064a \u0627\u0644\u0627\u0637\u0644\u0627\u0639 \u0628\u062f\u0642\u0629 \u0639\u0644\u0649 \u0639\u0631\u0648\u0636 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0642\u0628\u0644 \u0627\u062e\u062a\u064a\u0627\u0631 \u0623\u062d\u062f\u0647\u0627.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0645\u0643\u0627\u0641\u0623\u0629 \u0639\u062f\u0645 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u0639\u062f \u0648\u0642\u0648\u0639 \u062d\u0627\u062f\u062b<\/h2>\n\n\n\n

\u0645\u0646 \u0623\u0628\u0631\u0632 \u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062a\u0633\u0628\u0628 \u0628\u062d\u0627\u062f\u062b \u0633\u064a\u0627\u0631\u0629 \u062e\u0633\u0627\u0631\u0629 \u0645\u0643\u0627\u0641\u0623\u0629 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0645\u0637\u0627\u0644\u0628\u0629\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0631\u062a\u0641\u0627\u0639 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062c\u062f\u064a\u062f\u0629. \u0648\u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0647\u0630\u0647 \u0627\u0644\u0645\u0643\u0627\u0641\u0623\u0629 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0648\u0627\u0644\u0635\u0628\u0631\u060c \u0648\u0628\u0639\u0636 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u062d\u0643\u064a\u0645\u0629 \u0642\u062f \u062a\u062d\u062f\u062b \u0641\u0631\u0642\u064b\u0627 \u0643\u0628\u064a\u0631\u064b\u0627 \u0641\u064a \u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0627\u0644\u0645\u0643\u0627\u0641\u0623\u0629 \u0648\u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u064a\u0647\u0627. \u0625\u0644\u064a\u0643 \u0623\u0628\u0631\u0632 \u0627\u0644\u0637\u0631\u0642 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 :<\/p>\n\n\n\n

– \u0627\u0644\u0642\u064a\u0627\u062f\u0629 \u0627\u0644\u062f\u0641\u0627\u0639\u064a\u0629:<\/strong> \u0647\u064a \u0623\u0633\u0644\u0648\u0628 \u0641\u064a \u0627\u0644\u0642\u064a\u0627\u062f\u0629 \u064a\u0646\u0637\u0648\u064a \u0639\u0644\u0649 \u0627\u0644\u0648\u0639\u064a \u0648\u0627\u0644\u062a\u0646\u0628\u0647 \u0648\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637 \u0644\u062a\u0641\u0627\u062f\u064a \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0648\u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0639\u0644\u0649 \u0627\u0644\u0637\u0631\u0642\u060c \u062d\u062a\u0649 \u0639\u0646\u062f\u0645\u0627 \u064a\u0631\u062a\u0643\u0628\u0647\u0627 \u0627\u0644\u0622\u062e\u0631\u0648\u0646. \u0644\u0627 \u062a\u0646\u062d\u0635\u0631 \u0623\u0647\u0645\u064a\u062a\u0647\u0627 \u0641\u064a \u0627\u0644\u0623\u0645\u0627\u0646 \u0648\u0627\u0644\u0633\u0644\u0627\u0645\u0629\u060c \u0648\u0625\u0646\u0645\u0627 \u0641\u064a \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0627\u0644 \u0648\u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0648\u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0645\u0643\u0627\u0641\u0623\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646.<\/p>\n\n\n\n

– \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u062a\u062f\u0631\u064a\u062c\u064a:<\/strong> \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0628\u062d\u062b \u0639\u0646 \u0634\u0631\u0643\u0629 \u062a\u0623\u0645\u064a\u0646 \u062a\u062e\u0641\u0651\u0636 \u0627\u0644\u0645\u0643\u0627\u0641\u0623\u0629 \u062a\u062f\u0631\u064a\u062c\u064a\u064b\u0627 \u0639\u0648\u0636\u064b\u0627 \u0639\u0646 \u0625\u0644\u063a\u0627\u0626\u0647\u0627 \u0643\u0644\u064a\u064b\u0627.<\/p>\n\n\n\n

– \u0627\u062e\u062a\u064a\u0627\u0631 \u0634\u0631\u0643\u0629 \u062a\u0623\u0645\u064a\u0646 \u0628\u062f\u0642\u0629:<\/strong> \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643 \u0644\u062f\u0649 \u0634\u0631\u0643\u0629 \u062a\u0623\u0645\u064a\u0646 \u062a\u0642\u062f\u0645 \u0645\u0631\u0648\u0646\u0629 \u0641\u064a \u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0627\u0644\u0645\u0643\u0627\u0641\u0623\u0629\u060c \u0643\u0633\u0646\u0648\u0627\u062a \u0623\u0642\u0644 \u0628\u0639\u062f \u0627\u0644\u062d\u0627\u062f\u062b.<\/p>\n\n\n\n

– \u062f\u0641\u0639 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0645\u0646 \u0645\u062d\u0641\u0638\u062a\u0643:<\/strong> \u0645\u0646 \u0627\u0644\u0623\u0641\u0636\u0644 \u0623\u0646 \u062a\u062f\u0641\u0639 \u062a\u0643\u0627\u0644\u064a\u0641 \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u062d\u0627\u062f\u062b \u0627\u0644\u0628\u0633\u064a\u0637\u0629 \u0645\u0646 \u0645\u062d\u0641\u0638\u062a\u0643\u060c \u0628\u062f\u0644\u064b\u0627 \u0645\u0646 \u062a\u0642\u062f\u064a\u0645 \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0648\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0645\u0643\u0627\u0641\u0623\u0629.<\/p>\n\n\n\n

– \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0644\u0644\u0645\u062f\u0649 \u0627\u0644\u0628\u0639\u064a\u062f: <\/strong>\u0645\u0639 \u0643\u0644 \u0639\u0627\u0645 \u064a\u0645\u0631 \u062f\u0648\u0646 \u0645\u0637\u0627\u0644\u0628\u0629 \u062a\u0631\u062a\u0641\u0639 \u0646\u0633\u0628\u0629 \u0627\u0644\u0645\u0643\u0627\u0641\u0623\u0629 \u062a\u062f\u0631\u064a\u062c\u064a\u064b\u0627 \u0645\u0646 10% \u0625\u0644\u0649 20%. \u0627\u0644\u0635\u0628\u0631 \u0648\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0627\u0644\u0642\u064a\u0627\u062f\u0629 \u0627\u0644\u0622\u0645\u0646\u0629 \u0645\u0641\u062a\u0627\u062d \u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0627\u0644\u0645\u0643\u0627\u0641\u0623\u0629.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u062a\u0633\u0647\u0645 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629 \u0641\u064a \u0631\u0641\u0639 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0641\u0642\u062f\u0627\u0646 \u0645\u0643\u0627\u0641\u0623\u0629 \u0639\u062f\u0645 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u062a\u0623\u062b\u064a\u0631 \u0639\u0644\u0649 \u0633\u062c\u0644 \u0627\u0644\u0633\u0627\u0626\u0642 \u0628\u0634\u0643\u0644 \u0642\u062f \u064a\u062b\u064a\u0631 \u0642\u0644\u0642 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646. \u0631\u063a\u0645 \u0623\u0646 \u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0627\u0644\u0648\u0636\u0639 \u0628\u0639\u062f \u0648\u0642\u0648\u0639 \u062d\u0627\u062f\u062b \u0644\u064a\u0633 \u0623\u0645\u0631\u064b\u0627 \u0645\u0633\u062a\u062d\u064a\u0644\u0627\u064b\u060c \u0625\u0644\u0627 \u0623\u0646 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0627\u0644\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629\u060c \u0648\u0627\u0644\u0642\u064a\u0627\u062f\u0629 \u0627\u0644\u062f\u0641\u0627\u0639\u064a\u0629 \u0627\u0644\u0648\u0627\u0639\u064a\u0629\u060c \u0648\u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631\u0627\u062a \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u062d\u0643\u064a\u0645\u0629 \u062a\u064f\u0639\u062f \u0634\u0631\u0648\u0637\u064b\u0627 \u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u062a\u0644\u0645\u064a\u0639 \u0627\u0644\u0633\u062c\u0644 \u0627\u0644\u0642\u064a\u0627\u062f\u064a \u0648\u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0623\u0642\u0633\u0627\u0637 \u062a\u0623\u0645\u064a\u0646 \u0623\u0631\u062e\u0635.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0623\u0633\u0626\u0644\u0629 \u0645\u062a\u062f\u0627\u0648\u0644\u0629<\/h2>\n\n\n\n

\u0643\u064a\u0641 \u064a\u0624\u062b\u0631 \u062d\u0627\u062f\u062b \u0633\u064a\u0627\u0631\u0629 \u0639\u0644\u0649 \u0642\u0633\u0637 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629\u061f<\/p><\/strong>

\u064a\u0624\u062b\u0631 \u0627\u0631\u062a\u0643\u0627\u0628 \u062d\u0627\u062f\u062b \u0645\u0631\u0648\u0631\u064a \u0639\u0644\u0649 \u0627\u0631\u062a\u0641\u0627\u0639 \u0642\u0633\u0637 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0644\u0644\u0645\u062e\u0637\u0626 \u0627\u0644\u0630\u064a \u062a\u0633\u0628\u0628 \u0641\u064a \u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b. \u0643\u0645\u0627 \u062a\u0645\u064a\u0644 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0625\u0644\u0649 \u062e\u0641\u0636 \u0627\u0644\u062a\u063a\u0637\u064a\u0629\u060c \u0648\u0630\u0644\u0643 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u063a\u064a\u0631 \u0628\u062f\u0644\u064b\u0627 \u0645\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0644\u0633\u064a\u0627\u0631\u0629.<\/p> <\/div>

\u0643\u0645 \u064a\u0631\u062a\u0641\u0639 \u0642\u0633\u0637 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0628\u0639\u062f \u0627\u0644\u062d\u0627\u062f\u062b\u061f<\/p><\/strong>

\u0648\u0641\u0642\u064b\u0627 \u0644\u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0641\u0625\u0646 \u0642\u0633\u0637 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u064a\u0631\u062a\u0641\u0639 \u0645\u0646 10 \u0625\u0644\u0649 15% \u0645\u0646 \u0633\u0639\u0631 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629\u060c \u0648\u0630\u0644\u0643 \u0644\u0645\u0646 \u062a\u0633\u0628\u0628 \u0641\u064a \u0627\u0644\u062d\u0627\u062f\u062b. <\/p> <\/div>

\u0645\u0627 \u0647\u0648 \u062e\u0635\u0645 \u0639\u062f\u0645 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629\u061f<\/p><\/strong>

\u0647\u0648 \u062e\u0635\u0645 \u062a\u0645\u0646\u062d\u0647 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0630\u064a\u0646 \u0644\u0645 \u064a\u0642\u062f\u0645\u0648\u0627 \u0639\u0644\u0649 \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0628\u0627\u0644\u062a\u0639\u0648\u064a\u0636\u060c \u0643\u0648\u0646\u0647\u0645 \u0644\u0645 \u064a\u062a\u0633\u0628\u0628\u0648\u0627 \u0641\u064a \u0648\u0642\u0648\u0639 \u062d\u0648\u0627\u062f\u062b \u0645\u0631\u0648\u0631\u064a\u0629. \u0648\u0647\u0630\u0647 \u0627\u0644\u0645\u0643\u0627\u0641\u0623\u0629 \u062a\u0628\u062f\u0623 \u0645\u0646 10% \u062d\u062a\u0649 20% \u0648\u0623\u0643\u062b\u0631 \u062d\u0633\u0628 \u0633\u064a\u0627\u0633\u0629 \u0643\u0644 \u0634\u0631\u0643\u0629 \u062a\u0623\u0645\u064a\u0646.<\/p> <\/div>

\u0647\u0644 \u064a\u0645\u0643\u0646\u0646\u064a \u0646\u0642\u0644 \u062e\u0635\u0645 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0645\u0637\u0627\u0644\u0628\u0629 \u0625\u0644\u0649 \u0634\u0631\u0643\u0629 \u062a\u0623\u0645\u064a\u0646 \u0623\u062e\u0631\u0649\u061f<\/p><\/strong>

\u0623\u062c\u0644\u060c \u064a\u0645\u0643\u0646\u0643 \u0646\u0642\u0644 \u0647\u0630\u0627 \u0627\u0644\u062e\u0635\u0645\u060c \u0641\u0647\u0648 \u064a\u0631\u062a\u0628\u0637 \u0628\u0627\u0644\u0633\u0627\u0626\u0642 \u0644\u0627 \u0628\u0627\u0644\u0645\u0631\u0643\u0628\u0629. \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0645\u0646 \u0634\u0631\u0643\u0629 \u062a\u0623\u0645\u064a\u0646\u0643 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0628\u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0645\u0637\u0627\u0644\u0628\u0627\u062a\u060c \u062b\u0645 \u062a\u0642\u062f\u064a\u0645\u0647\u0627 \u0625\u0644\u0649 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062c\u062f\u064a\u062f\u0629. \u0641\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0628\u0631\u0647\u0627\u0646 \u0639\u0644\u0649 \u0623\u0646\u0643 \u0644\u0645 \u062a\u062a\u0633\u0628\u0628 \u0641\u064a \u0648\u0642\u0648\u0639 \u062d\u0648\u0627\u062f\u062b \u0645\u0631\u0648\u0631\u064a\u0629. <\/p> <\/div> <\/div>\n\n\n\n

<\/div>\n\n\n\n

\u0627\u0642\u0631\u0623\/\u064a \u0623\u064a\u0636\u064b\u0627:<\/h2>\n\n\n\n

\u062c\u062f\u064a\u062f \u0623\u0633\u0639\u0627\u0631 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a 2025<\/a><\/p>\n\n\n\n

\u0633\u0648\u0642 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a 2024-2025: \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0648\u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u0648\u0627\u0644\u0631\u0624\u0649<\/a><\/p>\n\n\n\n

\u0634\u0631\u0643\u0627\u062a \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a: \u0647\u0644 \u0647\u064a \u0627\u0644\u0645\u0641\u062a\u0627\u062d \u0644\u062d\u0644 \u0627\u0644\u0645\u0646\u0627\u0632\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0623\u062e\u064a\u0631\u061f<\/a><\/p>\n\n\n\n

11 \u0637\u0631\u064a\u0642\u0629 \u0631\u0627\u0626\u0639\u0629 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062a\u0623\u0645\u064a\u0646 \u0633\u064a\u0627\u0631\u0629 \u0631\u062e\u064a\u0635 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a<\/a><\/p>\n\n\n\n

\u0627\u0644\u062f\u0644\u064a\u0644 \u0627\u0644\u0648\u0627\u0636\u062d \u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0623\u0648\u0646 \u0644\u0627\u064a\u0646<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\u062a\u064f\u0648\u0644\u064a \u062d\u0643\u0648\u0645\u0629 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0623\u0647\u0645\u064a\u0629 \u0643\u0628\u064a\u0631\u0629 \u0644\u0644\u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629\u060c \u0648\u062a\u0633\u0639\u0649 \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0625\u0644\u0649 \u062e\u0641\u0636 \u0639\u062f\u062f \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0628\u0646\u064a \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u062a\u0648\u0639\u0648\u064a\u0629 \u0648\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u062a\u0647\u062f\u0641 \u0625\u0644\u0649 \u062e\u0644\u0642 \u0628\u064a\u0626\u0629 \u0622\u0645\u0646\u0629 \u0639\u0644\u0649 \u0627\u0644\u0637\u0631\u0642\u0627\u062a.  \u0625\u0644\u0627 \u0623\u0646 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0644\u0627 \u062a\u0642\u062a\u0635\u0631 \u0639\u0648\u0627\u0642\u0628\u0647\u0627 \u0639\u0644\u0649 \u0627\u0644\u0625\u0635\u0627\u0628\u0627\u062a \u0627\u0644\u062c\u0633\u0645\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0623\u0648 \u0627\u0644\u063a\u0631\u0627\u0645\u0627\u062a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629\u060c \u0648\u0625\u0646\u0645\u0627 \u062a\u0634\u0645\u0644 \u0623\u064a\u0636\u064b\u0627 \u0627\u0644\u062c\u0627\u0646\u0628 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u060c \u062d\u064a\u062b \u062a\u0631\u062a\u0641\u0639 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0648\u064a\u0646\u062e\u0641\u0636 \u0633\u0642\u0641 \u0627\u0644\u062a\u063a\u0637\u064a\u0629\u060c \u0648\u064a\u0641\u0642\u062f \u0627\u0644\u0633\u0627\u0626\u0642 […]<\/p>\n","protected":false},"author":20,"featured_media":52057,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6242],"tags":[6330,6329,6331],"class_list":["post-52046","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-6242","tag-6330","tag-6329","tag-6331"],"acf":[],"yoast_head":"\n\u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629 \u0648\u062a\u0623\u062b\u064a\u0631\u0647\u0627 \u0639\u0644\u0649 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646: \u062f\u0644\u064a\u0644 2026<\/title>\n<meta name=\"description\" content=\"\u0627\u0643\u062a\u0634\u0641 \u0643\u064a\u0641 \u062a\u0624\u062b\u0631 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629 \u0648\u0627\u0644\u0645\u062e\u0627\u0644\u0641\u0627\u062a \u0639\u0644\u0649 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a\u060c \u0648\u0645\u0627 \u0627\u0644\u062e\u0637\u0648\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0633\u0627\u0639\u062f\u0643 \u0639\u0644\u0649 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0623\u0642\u0644 \u0633\u0639\u0631 \u0645\u0645\u0643\u0646 \u0641\u064a 2026.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.buyanyinsurance.ae\/blog\/ar\/%d8%a7%d9%84%d8%ad%d9%88%d8%a7%d8%af%d8%ab-%d8%a7%d9%84%d9%85%d8%b1%d9%88%d8%b1%d9%8a%d8%a9\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629: \u0643\u064a\u0641 \u062a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u061f\" \/>\n<meta property=\"og:description\" content=\"\u0627\u0643\u062a\u0634\u0641 \u0643\u064a\u0641 \u062a\u0624\u062b\u0631 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u0648\u0631\u064a\u0629 \u0648\u0627\u0644\u0645\u062e\u0627\u0644\u0641\u0627\u062a \u0639\u0644\u0649 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a\u060c \u0648\u0645\u0627 \u0627\u0644\u062e\u0637\u0648\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0633\u0627\u0639\u062f\u0643 \u0639\u0644\u0649 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0623\u0642\u0644 \u0633\u0639\u0631 \u0645\u0645\u0643\u0646 \u0641\u064a 2026.\" \/>\n<meta property=\"og:url\" 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