Inshorensi uqeqesho kwiimbaleki nokhuphiswano

Njengoko nayiphi na imisebenzi zemidlalo ngenxa iintlobo ezithile lomngcipheko, iimbaleki abaninzi bakhetha ukuba acele inkxaso ezahlukeneyo iinkampani ze-inshorensi. Kukholelwa ukuba olu amanyathelo kuyimfuneko, ngokuvumela ukukhusela abathandi impilo kunye nobomi zobungcali kwakunye nemidlalo eyingozi. Yaye kulandelelwano ezinjalo izenzo abanaluncedo kungekuphela yabadlali enye, kodwa amaqela yonke, amaqela. Njani inshorensi leembaleki?

Ingaba inkqubo inshorensi enyanzelekileyo?

Kukholelwa ukuba i-inshorensi - kule meko ngoku ngokuzithandela. Okwangoku, inkqubo inshorensi yobomi labantu abathatha inxaxheba kwezemidlalo, imfuneko enyanzelekileyo. Kwaye oku kusebenza kuphela yabadlali zobungcali, kodwa ke engahlawulwayo basandula kuqalisa ukuzisebenzisa.

Ngokutsho kweengcali, akukho namnye uya uvumele wena okanye umntwana ngaphandle nkqubo. Kulo mzekelo, inshorensi yengozi (iimbaleki okanye abathandi) ukukhusela kuphela abanini-inshorensi, kodwa uxanduva uqeqesho lwamagosa zabo.

Umzekelo, ngethuba kuqeqesho ejimini entongeni unyawo lwakho Ndawa ke wenzakele emlenzeni. Ngenxa yoko, unalo zamabango gypsum kunye nabaqeqeshi okanye abanini eholweni malunga nokhuseleko. Ukuba kukho umgaqo-nkqubo ukusombulula le ngxaki iza kuba kwinkampani ye-inshorensi. Hi ndlela leyi, lo mgaqo usebenza phakathi umthetho Federal "Kwi-inshorensi esisinyanzelo".

Zeziphi amaziko kufuneka akhuphe nkqubo?

Ngokutsho komthetho, uninzi amaziko emfundo kufuneka baphumeze i-inshorensi kweembaleki okanye abathandi. Amaziko emfundo zibala kuphela kumaziko ezemidlalo kunye izakhiwo, kodwa amacandelo, amaqela, iinkampu, iinkampu zoqeqesho, izikolo, imibutho kunye nabanye. Ngelo xesha abameli le mibutho akhululekile ukuba balawule ngokwemigaqo-nkqubo intlawulo efunekayo ukwamkelwa kwingqesho.

Yintoni le-inshorensi ukuze abadlali?

Zizonke nkqubo kwiimbaleki engahlawulwayo kunye neengcali nga lungohlulwa lube zezi ntlobo zilandelayo:

• inshorensi yobomi leembaleki;
• umnatha wokhuseleko yengozi;
• uqeqesho (a uhlobo siqinisekiso ngethuba lenkqubo yoqeqesho yamalungiselelo);
• professional (reinsurance phezu ukhuphiswano, marathons kunye nezinye iziganeko).

Ngokufutshane, uhlobo inshorensi kuxhomekeke kwinqanaba kulungiselelwa umfundi kunye ezahlukeneyo kwezemidlalo.

Yintoni na edibene imfuneko mandatory nokubhaliswa nkqubo?

inshorensi esisiNyanzelo leembaleki - oxygen ukuba ngeke sigqibe kuphela iindleko zonyango nexhoba, kodwa nokuyibuyisa inkqubo kwakhona iindleko. Ngokomzekelo, ebudeni omnye kwimidlalo ye hockey kobethileyo eyaziwa iqela Russian ufumene ngesibetho esikhulu ukuya puck. Ngenxa yoko ke, wasiwa esibhedlele. Kodwa ngenxa yokuba phambi kokuba ngozi inshorensi, i-inshorensi ekubonelela unyango nokubuyiselwa kwimo iindleko.

Imigaqo-nkqubo zinceda inshorensi leembaleki kunye nababukeli ngexesha uqeqesho, ukunika ithuba lokuba ukuquka ukuthatha kwabo kwinkampu yoqeqesho, ukuhamba. Ngaphezu koko, zikunikeza iinketho ezongezelelweyo eyenza kube lula ukuba inshorensi ukhuseleko amaxwebhu zabo, izinto, izixhobo, iifomu. Ngoncedo lwabo, unako kwakhona ukunika njengetyala epheleleyo yoluntu.

Zeziphi enkulu imfuneko lezemidlalo kule nkqubo?

Kukho uluhlu eyodwa imidlalo ebandakanya ubhaliso inshorensi enyanzelekileyo. Ezi ziquka, umzekelo, ekuqhubeni, ngolwaa, zeaikido kunye nezinye iintlobo karate. Apha ke unako ukungena umdaniso esina, nokubaleka, yomnyazi, ekhatywayo, Biathlon, abanxibe impahla, bowling kunye nabanye.

kufuneka ibe yintoni le nkqubo: Iimfuno

Ukuze nawe, umntwana okanye iqela wavuma kwingqesho, inshorensi efunekayo. Noko ke, asingabo bonke abantu baya kuba nako ukuza. Kukholelwa ukuba kufuneka ukuhlangabezana neemfuno ezithile. Umzekelo, i-inshorensi uqeqesho kwiimbaleki lwenziwa kwifomu ekhethekileyo insurer. Oku kudla banikwe iinkcukacha zombutho kwaye kukho itywina emanzi.

Phambi uqeqesho kuya kufuneka ukuba umgaqo-nkqubo eprintiweyo okanye ukulungele. Kufuneka kube khona le datha ilandelayo:

• inishiyali umfundi eziku (igama elizeleyo);
• inombolo kunye nonyaka wokuzalwa;
• ixesha le-inshorensi;
• umhla wokuphelelwa;
• uhlobo msebenzi emzimbeni (uqeqesho qethe ku ejimini, manqindi);
• kukho inani eliqingqiweyo kwesivumelwano;
• ixabiso lembuyekezo inshorensi.

Iinkcukacha coverage kunye nesixa

inshorensi yena elandelayo kufanele ukuba lubandakanye ngokupheleleyo lonke ixesha loqeqesho ekujongwe. Ukuba umhla wokugqibela uqeqesho oluqhubekayo lunga khangelwa (umzekelo, kulindeleke ukuba bathathe inxaxheba kukhuphiswano, kwiindibano, iiseshoni zoqeqesho eziliqela), umgaqo-nkqubo kufuneka abhaliswe kulo myezo. Kule meko ke kungcono ukwenza oko kangangonyaka.

Ukuba sithethe ngayo isixa-inshorensi, kufuneka zikhethwe ngokungqinelana izakhono zabo zemali kunye neminqweno. Kodwa umntu kufuneka aqonde ukuba mkhulu isixa-inshorensi, ayanda amathuba imbuyekezo. Ngenxa yesi sizathu, i-inshorensi yobomi kunye nempilo yembaleki kufuneka wenziwe ukuya sixa sikhulu.

Ziziphi iingozi iya kukugubungela?

inshorensi elinamawonga anganikela ntlobo zilandelayo kweziqinisekiso:

• phezu zisenzeka yokukhubazeka okwethutyana;
• ukusuka nokukhubazeka kunokwenzeka;
• xa ukufa engalindelekanga.

Ngokukodwa, i-inshorensi uqeqesho kwiimbaleki nokhuphiswano unika ithuba lokufumana 1-100% ye-mali yokuqala ye-nkqubo phezu isahlakalo yokukhubazeka yexeshana. Kulo mzekelo, kwimeko nganye uthathwa ngokwahlukeneyo. A nokubuyisela imiselwa ngokuhambelana kwetafile imali eqhelekileyo.

Xa kukho ingozi ezakhokelela ukukhubazeka, imali yembuyekezo iya kwahluka phakathi 60-90% yeendleko-inshorensi. Kwaye kakhulu ngakumbi na konzakale uMntu oKhuselwe ngeInshorensi, kungona imbuyekezo.

Emva kokuvela ukufa womdlali inshorensi engahlawulwayo okanye umsebenzi ukuhlawula 100% imbuyekezo kwizalamane womfi. Yiyo loo nto kufuneka iimbaleki inshorensi.

Ukususela oko parameters imisela ixabiso?

Iindleko zeinshorensi kuxhomekeke kuhlobo ezemidlalo, esingethe umbandela uMntu oKhuselwe ngeInshorensi. Into yesibini ebalulekileyo echaphazela ixabiso, uthathwa ukuba abe ubudala. Umzekelo, oku ziyahluka ukusuka kwiminyaka eli-18 ukuya kuma-65. Isibaluli wesithathu - sisixa ngawo umntu iye-inshorensi.

Kuyaphawuleka ukuba umgaqo-nkqubo eyodwa ingaquka umdlalo 3-4. Umzekelo, ukuba ulindele i-inshorensi yezempilo kweembaleki, edibanisa uqeqesho ukuqubha wrestling. Ngokufutshane, loo ndlela efanelekileyo kwabo uceba ukutyelela amaqela ezemidlalo eziliqela. Nangona kunjalo, kubalulekile ukuqwalasela ukuba imali wangena kule nkqubo wezemidlalo akukho ndlela kuchaphazela ixabiso layo. Kule meko iya kuvavanywa kakhulu ebuhlungu kubo.

Xa kukhutshwe inshorensi iqela?

Iinkampani ze-inshorensi abaninzi kukho ithuba ukubhalisa kunye nemigaqo-nkqubo qela. Olu khetho ilungele kubantu siceba ukuba nenxaxheba kuhlobo olufanayo umzimba, umzekelo, Ngelixesha kwakwuse kumnyama. Eyona nto ifunekayo ukuze uyilo inshorensi enjalo yinto yokuba amateurs okanye iingcali kuba kwiqela lobudala efanayo. Nangona inani labantu kwiqela ayikwazi ngaphezulu abantu-30.

Ngaphakathi Indlela ebanzi?

Lo mgaqo-inshorensi udla isebenza ngaphakathi Russian Federation. Oku kusebenza kuwo onke amaziko emfundo. kufuneka abaphathi inshorensi ahombise ukuba onke amacandelo emidlalo kunye izangqa. Ukuba unqwenela ukuba lo mthetho ubanjwe kwandiselwa kwamanye amazwe, kufuneka ube phambili i-inshorensi egubungele iindleko zonyango aphesheya.

Njani isicelo ngokukhawuleza?

Ukwenza inshorensi ukhuphiswano kunye noqeqesho kunokwenzeka kokubini umntu tyelela i-ofisi inkampani okanye kwi-Internet. Kuyaphawuleka ukuba kwimeko yesibini, yonke le nkqubo ithabatha akukho ngaphezu kwemizuzu 5-7. Ukuze abale indleko-nkqubo, njengoko umthetho, kwi-web sayithi inshorensi yokusebenza wokubala online. Umzekelo yokubala iirhafu inshorensi kunokubonwa kulo mfanekiso ungezantsi.

Indlela yokwenza xa umcimbi-inshorensi?

Okokuqala, kufuneka sokwehlisa nokungoyiki. Xa Inyathelo lesibini kufuneka inyanzelekile ukuba utsalele umnxeba kwaye ingxelo yesehlo. Ukuba ukonzakala kwenzeka, efuna esibhedlele ngokungxamisekileyo, kufuneka ulungise umgaqo-nkqubo (thaca kwi ubhaliso amaxwebhu nomonde) kwaye ucele 'ingxelo oontanga isiganeko kwinkampani ye-inshorensi.

Okulandelayo, uya kuqhagamshelwana ummeli wenkampani, ekufuneka ukuchaza ngokufutshane meko, bonisa inani ngemvumelwano kunye nezinye iinkcukacha zobuqu ukuba yesazisi.