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Towarzystwo ubezpieczeń wzajemnych Mutualitat Mutualitate Sociedade de socorro mútuo Mutual organization Mutualidad Общество взаимного страхования Взаємна організація
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Mutualitatea irabazi asmorik gabeko erakunde bat da, konfiantzan eta elkarrekikotasunean oinarrituriko zerbitzu batzuk jasotzearren hainbat pertsona biltzen dituena. Mutualitateko bazkideek (mutualista deituak) mutualitatea finantzatzen laguntzen dute, aldian aldiko kuota baten bidez. Mutualisten kuoten bidez bildutako diruarekin, mutualitateak bere zerbitzuak ematen dizkie behar duten mutualistei. Hainbat motatako mutualitateak daude: aseguru mutualitateak, lan istripuen eta gaixotasun profesionalen mutualitateak, ehorztetxe mutualitateak, eta abar. A mutual organization, or mutual society is an organization (which is often, but not always, a company or business) based on the principle of mutuality and governed by private law. Unlike a true cooperative, members usually do not contribute to the capital of the company by direct investment, but derive their right to profits and votes through their customer relationship. A mutual organization or society is often simply referred to as a mutual. Una mutualidad (también, mutua o mutual) es una entidad sin ánimo de lucro constituida bajo los principios de la solidaridad y la ayuda mutua en las que unas personas se unen voluntariamente para tener acceso a unos servicios basados en la confianza y la reciprocidad. Los socios de la mutualidad, llamados mutualistas, contribuyen a la financiación de la institución con una cuota periódica. Con el capital acumulado a través de las cuotas de los mutualistas, la institución brinda sus servicios a aquellos socios que los necesiten. Una mutualitat, mútua o mutual és una entitat sense ànim de lucre constituïda sota els principis de la solidaritat i l'ajuda mútua en les quals unes persones s'uneixen voluntàriament per a tenir accés a uns serveis. Els socis de la mutualitat, dits mutualistes, contribueixen al finançament de la institució amb una quota social. Amb el capital acumulat a través de les quotes socials dels mutualistes, la institució brinda els seus serveis a aquells socis que els necessiten. О́бщество взаи́много страхова́ния (общепринятое сокращение — ОВС) — одна из распространённых организационно-правовых форм взаимных страховых организаций. Взаємна організація або організація на взаємних началах (англ. mutual, mutual organization) зазвичай, проте не зажди, є підприємстом чи компанією (взаємна компанія), основною метою якої є вигідне надання продуктів та послуг її засновникам. Відмінність взаємної компанії від кооперативу полягає у тому, що її члени зазвичай не здіснюють прямих інвестицій у компанію, а отримують право голосу у керівництві та частину прибутку виходячи із власних клієнтських відносин. Sociedade de socorro mútuo é uma associação de caráter não-lucrativo, formada voluntariamente com o objetivo de prover auxílio a seus membros, em caso de necessidade, baseado no mutualismo. Junto com as corporações de ofício, teria dado origem aos sindicatos. Entre suas atividades encontram-se: * Assistência à saúde * Assistência jurídica * Assistência financeira * Assistência ao ensino * Assistência ao trabalho * Assistência em caso de morte * Assistência em caso de mudança * Assistência para danos causados a veículos Towarzystwo ubezpieczeń wzajemnych – zakład ubezpieczeń, który ubezpiecza swoich członków na zasadzie wzajemności. Uzyskanie członkostwa wiąże się z zawarciem umowy ubezpieczenia, a jego utrata – z wygaśnięciem stosunku ubezpieczenia. Zakłady ubezpieczeń w formie towarzystw ubezpieczeń wzajemnych mają w Polsce obowiązek i wyłączne prawo używania w nazwie wyrazów „towarzystwo ubezpieczeń wzajemnych”.
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Взаємна організація або організація на взаємних началах (англ. mutual, mutual organization) зазвичай, проте не зажди, є підприємстом чи компанією (взаємна компанія), основною метою якої є вигідне надання продуктів та послуг її засновникам. Відмінність взаємної компанії від кооперативу полягає у тому, що її члени зазвичай не здіснюють прямих інвестицій у компанію, а отримують право голосу у керівництві та частину прибутку виходячи із власних клієнтських відносин. Організація на взаємних началах збирає кошти від своїх членів чи клієнтів (яких загалом називають членами), що надалі можуть бути використані для надання спільних послуг усіх її членам. Взаємна організація, таким чином, належить та діє на вигоду своїх членів — вона не має зовнішніх акціонерів яким платила би у формі дивідендів та, відповідно, не має на меті максимізувати прибуток та капіталізацію. Прибутки організації зазвичай реінвестуються у неї на користь членів, хоча інколи деякий постійний прибуток необхідний для підтримки або зростання організації, а також для забезпечення її безпеки. Towarzystwo ubezpieczeń wzajemnych – zakład ubezpieczeń, który ubezpiecza swoich członków na zasadzie wzajemności. Uzyskanie członkostwa wiąże się z zawarciem umowy ubezpieczenia, a jego utrata – z wygaśnięciem stosunku ubezpieczenia. Zakłady ubezpieczeń w formie towarzystw ubezpieczeń wzajemnych mają w Polsce obowiązek i wyłączne prawo używania w nazwie wyrazów „towarzystwo ubezpieczeń wzajemnych”. Una mutualitat, mútua o mutual és una entitat sense ànim de lucre constituïda sota els principis de la solidaritat i l'ajuda mútua en les quals unes persones s'uneixen voluntàriament per a tenir accés a uns serveis. Els socis de la mutualitat, dits mutualistes, contribueixen al finançament de la institució amb una quota social. Amb el capital acumulat a través de les quotes socials dels mutualistes, la institució brinda els seus serveis a aquells socis que els necessiten. Alguns exemples de serveis oferts avui comunament per mutualitats són les assegurances amb les i la previsió de malalties i plans de jubilació a través de les o les mútues d'accidents de treball i malalties professionals, entitats que cobreixen els accidents laborals i col·laboradores de la gestió de la Seguretat Social. A mutual organization, or mutual society is an organization (which is often, but not always, a company or business) based on the principle of mutuality and governed by private law. Unlike a true cooperative, members usually do not contribute to the capital of the company by direct investment, but derive their right to profits and votes through their customer relationship. A mutual organization or society is often simply referred to as a mutual. A mutual exists with the purpose of raising funds from its membership or customers (collectively called its members), which can then be used to provide common services to all members of the organization or society. A mutual is therefore owned by, and run for the benefit of, its members – it has no external shareholders to pay in the form of dividends, and as such does not usually seek to maximize and make large profits or capital gains. Mutuals exist for the members to benefit from the services they provide and often do not pay income tax. Surplus revenue made will usually be re-invested in the mutual for the benefit of the members and for internal financing, to sustain or grow the organization, and to make sure it remains safe and secure. Sociedade de socorro mútuo é uma associação de caráter não-lucrativo, formada voluntariamente com o objetivo de prover auxílio a seus membros, em caso de necessidade, baseado no mutualismo. Junto com as corporações de ofício, teria dado origem aos sindicatos. Entre suas atividades encontram-se: * Assistência à saúde * Assistência jurídica * Assistência financeira * Assistência ao ensino * Assistência ao trabalho * Assistência em caso de morte * Assistência em caso de mudança * Assistência para danos causados a veículos О́бщество взаи́много страхова́ния (общепринятое сокращение — ОВС) — одна из распространённых организационно-правовых форм взаимных страховых организаций. Mutualitatea irabazi asmorik gabeko erakunde bat da, konfiantzan eta elkarrekikotasunean oinarrituriko zerbitzu batzuk jasotzearren hainbat pertsona biltzen dituena. Mutualitateko bazkideek (mutualista deituak) mutualitatea finantzatzen laguntzen dute, aldian aldiko kuota baten bidez. Mutualisten kuoten bidez bildutako diruarekin, mutualitateak bere zerbitzuak ematen dizkie behar duten mutualistei. Hainbat motatako mutualitateak daude: aseguru mutualitateak, lan istripuen eta gaixotasun profesionalen mutualitateak, ehorztetxe mutualitateak, eta abar. Una mutualidad (también, mutua o mutual) es una entidad sin ánimo de lucro constituida bajo los principios de la solidaridad y la ayuda mutua en las que unas personas se unen voluntariamente para tener acceso a unos servicios basados en la confianza y la reciprocidad. Los socios de la mutualidad, llamados mutualistas, contribuyen a la financiación de la institución con una cuota periódica. Con el capital acumulado a través de las cuotas de los mutualistas, la institución brinda sus servicios a aquellos socios que los necesiten. Algunos ejemplos de servicios ofrecidos hoy comúnmente por mutualidades son los seguros con las , la previsión de enfermedades y planes de jubilación a través de las mutualidades de previsión social, o las mutuas de accidentes de trabajo y enfermedades profesionales (entidades que cubren los accidentes laborales y colaboradoras de la gestión de la Seguridad Social).
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