Qazirgi tanda otbasyn qúrugha eng qolayly jaghday jasalghan elderdi anyqtady. Sonymen qatar Qazaqstannyng balalardyng jarqyn bolashaghyn qamtamasyz etu jolyndaghy әlemdik dengeydegi orny da qarastyryldy.

Ceoworld jurnalynyng esebine sәikes, Ontýstik Koreya bala tuugha eng qolayly el retinde tanyldy. Zertteu 180 eldi qamtidy jәne bilim beru dengeyi, densaulyq saqtau qoljetimdiligi, tamaqtanu, qauipsizdik pen jalpy әl-auqat siyaqty faktorlar eskeriledi. Osy kórsetkishterge sýiene otyryp, integraldy indeks esepteledi.

Reyting nәtiyjesinde Ontýstik Koreya 97,26 ballmen birinshi oryndy iyelendi.
Norvegiya men Japoniya tiyisinshe 97,0 jәne 96,75 ballmen ekinshi jәne ýshinshi oryndargha ornalasty.

Balalardyng dýniyege keluine arnalghan әlemdegi eng jaqsy elderding reytingi

Suret: ceoworld saytynan alyndy.

Qazaqstan jahandyq reytingte 58-oryndy iyelenip, 78,51 integraldy indeks jәne «BB»dengeyindegi reyting kórsetti.
Sonymen qatar, eldin «bilim jәne әl-auqat» baghyty boyynsha kórsetkishi jetkilikti joghary — 87,78, alayda densaulyq saqtau salasyndaghy indikatorlar (69,25) jetekshi eldermen salystyrghanda edәuir tómen bolyp otyr.

Soghan qaramastan, Qazaqstan jiyntyq kórsetkishter boyynsha kelesi elderden ozyp túr:
Tailand (77,78), Ózbekstan (76,74), Malidiv araldary (76,56), Gruziya (76,13), Resey (75,88), Meksika (74,85), Braziliya (74,59), Qytay (73,71), Qyrghyzstan (73,75), Ýndistan (72,92) jәne taghy basqa birqatar memleketter.

Balalar dýniyege keluge eng qolaysyz el retinde Chad tanyldy — onyng integraldy indeksi nebәri 48,77 boldy.
Antiyreytingting alghashqy ondyghyna sonday-aq kelesi elder kirdi: Somaly – 50,41, Aughanstan – 50,66, Pәkistan – 50,80, Niygeriya – 50,96 jәne basqalar.

Balalar dýniyege keluge eng qolaysyz 10 el

Suret: ceoworld saytynan alyndy.

Damyghan elderdegi joghary dengeydegi әl-auqat tek әleumettik infraqúrylymnyng tiyimdiligimen ghana emes, sonymen qatar azamattardyng bolashaqqa degen sanaly kózqarasymen baylanysty. Múnday memleketterde ata-analar tek memlekettik qoldau baghdarlamalaryna ghana ýmit artpaydy. Olar negizgi shyghyndardy — bilimge, densaulyqqa jәne balalardyng bastapqy kapitalyna — aldyn ala josparlaydy. Osynday úzaqmerzimdi josparlau qúraldarynyng biri — balalargha arnalghan jinaqtaushy ómirdi saqtandyru. Búl qarjylyq qúral ómirlik tәuekelderden qorghay otyryp, kәmelet jasyna deyin kapital jinaugha mýmkindik beredi.

Nelikten balalar men ata-analardy saqtandyru — damyghan elderde qalypty jaghday

Tómende joghary ómir sýru dengeyi bar elderde búl tәjiriybe qalay jýzege asyrylatyny kórsetilgen:

Ontýstik Koreya
Balalardy saqtandyru medisinalyq tәuekelderdi de, bilimge jinaqtaudy da qamtidy. Eng súranysqa ie polister – auyr aurular, onkologiya, sozylmaly jaghdaylar men jaraqattardy qamtityn saqtandyru. Kóptegen baghdarlamalar onlayn rәsimdeledi. Polister kóbine bala tuylghannan keyin birden satyp alynady.
Saqtandyrudyng halyq arasyndaghy taraluy – 87,3% otbasy.

Germaniya
Balalargha arnalghan ómirdi saqtandyru zeynetaqy jәne jinaq jýiesimen tyghyz baylanysty. Ata-analar kóbinese medisinalyq qorghanysy bar arnayy jinaq polisterin tandaydy. Múnday baghdarlamalar bank ónimderimen ýilestiriledi jәne kóbine memlekettik bankter nemese saqtandyru brokerleri arqyly rәsimdeledi.
Taraluy – 70% otbasy.

Norvegiya
Jinaqtaushy saqtandyrudyng memlekettik te, jekemenshik te týrleri bar. Keng taralghany – Barnesparing atty bilimge arnalghan saqtandyru shottary, kóbinese investisiyalyq ónimdermen birge úsynylady. Áleumettik qoldau dengeyi joghary bolghanymen, jeke balalardy saqtandyru ortasha tabysty ata-analar arasynda súranysqa iye. Polister kóbine otbasylyq nemese ipotekalyq paketter qúramynda bolady.
Taraluy – 68% otbasy.

Japoniya
Balalar polisteri balanyng ómirining alghashqy ailarynda-aq rәsimdeledi. Eng keng taralghany – 18 jasqa deyin kepildendirilgen tólemmen jinaq ónimderi, búl qarajat oqugha, baspana jaldaugha nemese eresek ómirdi bastaugha qoldanylady.
Taraluy – 60% otbasy.

AQSh
Balalardy saqtandyru kóbine eresek adamnyng poliysine qosymsha moduli retinde rәsimdeledi. Biraq jeke Whole Life baghdarlamalary da bar, olarda jinaq elementi bar jәne medisinalyq tekserusiz eresekter poliysine auysu mýmkindigi qarastyrylghan. Múnday polister starttyq kapital qalyptastyru men qarjylyq aktivterdi múragha qaldyru maqsatynda qoldanylady.
Taraluy – 59% ata-ana.

Qazaqstandaghy balalar ómirin saqtandyru

Qazaqstanda balalargha arnalghan ómirdi saqtandyru saqtandyru naryghynda әli de jana, biraq óte manyzdy baghyt bolyp tabylady. Búl baghyt halyqtyng qarjylyq sauattylyghynyng artuy jәne ata-analardyng balalarynyng bolashaghyna sanaly kózqarasy ayasynda ózektiligin arttyryp keledi.

Qazirgi tanda búl segment negizinen bilimge arnalghan jinaqtaushy baghdarlamalar arqyly damyp keledi. Olardyng ishinde «Keleshek» jobasy bar. Búl joba ata-analargha balalary ýshin Qazaqstanda nemese shetelde tehnikalyq, joghary nemese joghary oqu ornynan keyingi bilim alugha qarajat jinaugha mýmkindik beredi.

Qazaqstandyqtar «Keleshek» arqyly qalay bilimge jinaq jasay alady?

Ata-ana KSJ (ómirdi saqtandyru kompaniyasymen) shart jasasyp, jarnalar tóley bastaydy. Jarna tólenip jatqan kezende saqtandyru qorghanysy әreket etedi. Eger ata-anamen osy kezende saqtandyru jaghdayy oryn alsa, KSJ ata-ananyng josparlaghan somasyn oqu ornyna tóleydi, jarna sanyna qaramastan. Shart merzimi ayaqtalghan son, kompaniya investisiyalyq tabysty jәne memlekettik syiaqyny eskere otyryp, ata-anagha jinalghan somany tóleydi. Tólem bir rettik nemese jyl sayynghy negizde jýzege asyrylady. Eger oqu aqysy saqtandyru somasynan az bolsa, aiyrmashylyq ata-anagha tólenedi. Eger bala grantqa týsse, ata-ana jinaqtalghan barlyq somany óz qalauy boyynsha paydalana alady. Kelisimshart merzimin úzartu nemese saqtandyru somasyn basqa dengeydegi bilimge baghyttau mýmkindigi de bar. Sonday-aq, somany basqa adamgha (mysaly, ekinshi balagha) beru de qarastyrylghan.

«Keleshek» jobasy qosymsha artyqshylyqtar úsynady: 5 jasqa tolghan balalargha — 60 AEK (235 920 tenge) kóleminde bastapqy kapital. Jetim balalargha — 120 AEK (471 840 tenge). Jyl sayynghy eng tómen jarna kólemi: kópshilik balalar ýshin – 24 AEK, әleumettik osal sanattaghy balalar ýshin – 12 AEK. Freedom Life KSJ ókilderi bylay dep týsindirdi:«Baghdarlama sharttary boyynsha tabys KSJ-dan da, memleketten de tólenedi. Freedom Keleshek baghdarlamasy jyl boyy 8%-gha deyin kepildendirilgen tabys beredi. Sonymen qatar, jyl sayyn 5–7% kóleminde memlekettik syiaqy esepteledi. Periodtyq tólemder 8%-gha deyin indeksteledi. Eger bala grantqa týsse, ata-ana barlyq jinalghan somany tolyq kólemde ala alady».

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