Insurance premium

Insurance premium imele imali-inshorensi, ehlawulwa ngenxa yomthetho kwimeko inshorensi esisinyanzelo okanye i-inshorensi ngokuzithandela phantsi ngokwemiqathango yesivumelwano, esebenzisa zawo fund-inshorensi.

I-insurance premium njengengqiqo, ngokutsho umxholo wayo, ibonwa ezintathu:

• zomthetho - wabonakaliswa echaziwe pre-lawulo wemali inshorensi ubutyala, nto leyo kuqinisekiswa yi ikhontrakthi inshorensi kuso phakathi kwamaqela;

• izenzo xa kuthelekiswa ingeniso yesizwe ezabelwe zeinshorensi, ukuqinisekisa iimfuno zalo kwiimpembelelo eziyingozi okanye engathandekiyo iziganeko kunokwenzeka ezibi (iimeko ze-inshorensi) - kwezoqoqosho;

• izibalo - libekwe ngohlobo kweentlawulo kokuphindaphinda ngamaxesha athile kwi insurer yi-inshorensi.

Iindleko zeenkonzo inshorensi siboniswa kwimali ehlawulwa polisi kwi-inshorensi ye-insurance premium, oko kukuthi, ngamanye amazwi, ixabiso nkonzo yeinshorensi ezinikwa ukuba umxhasi xa kuthe isiganeko inshorensi. Ekubaleni insurance premium yenziwe ngokungqinelana lweerhafu inshorensi. Ngumthetho rate inshorensi uchazwa umyinge wokuphelelwa insurance premium ukuba le into inshorensi okanye isixa unit-inshorensi.

I-insurance premium kufuneka abe nexabiso elaneleyo:

• inshorensi kulindeleke amabango lonke ixesha i-inshorensi;
• nokudalwa koovimba-inshorensi;
• igcine iindleko iinkampani ze-inshorensi ekuqhutyweni kwemicimbi;
• ukuqinisekisa esima ethile ngeniso.

Ilungu luqokelelane ngeendleko-mali inshorensi ukuba yenzelwe kuphela iintlawulo-inshorensi, ebizwa umnatha imali efanayo, ejoliswe ekwenzeni i-inshorensi yokuhlawula iindleko ze-inshorensi - umthwalo. Net premium, ngoko ke iindleko inshorensi, ngaphandle iindleko kwakhona, ekhoyo kwi-inshorensi. Enyanisweni, i-insurance premium - indibanisela net premium iyalayisha, ukwabizwa ngokuba ipremiyamu iyonke.

Types of insurance premium

iinkalo ezahlukeneyo zobugcisa esiqendu luphawulwa iingqiqo ezahlukeneyo.

Ngesivumelwano yahlulahlulwe yaba:

• umngcipheko premium, ajolise ekufikeleleni ubungozi;

• Intlawulo yokugcina, akhoyo kwiimvumelwano inshorensi yobomi kwaye iquka iintlawulo polisi xa ixesha inshorensi liphela;

• net premium, ejongana iintlawulo inshorensi kangangexesha elithile kwi ethile uhlobo inshorensi ;

• igalelo eyaneleyo elingana kwimali umthwalo kunye umnatha iipremiyamu, ezifakwe kwi iindleko ze-inshorensi;

• uluhlu lwamaxabiso izinga inshorensi eyenziwa iminikelo ezaneleyo iipremiyamu ezifunekayo ukuze kukhawulelwane neendleko ezinxulumene ezahlukeneyo zokuthintela amanyathelo, ukukhuthazwa izibhengezo, kwaye ngaphezulu.

Xa uhlobo lwe -inshorensi yomngcipheko ipremiyamu ihlelwa yemvelo, nolwenzelwa umngcipheko kangangexesha elithile, kunye esingatshintshiyo, musa ukutshintsha kwexesha, oko kukuthi a rhoqo.

zanyanga le-inshorensi yahlulwe ngokungqinelana nefom bentlawulo:

• isamba semali, apho kuhlawulwa ngokupheleleyo yi-inshorensi ngexesha inshorensi kwangaphambili;

• Intlawulo yangoku - yinxalenye elithile ngexesha elinye-premium, kuba yinxalenye kwizibophelelo ezenziwe yi-inshorensi ngokuphathelele-inshorensi;

• Kuhlehliselwe ibhaso - esisixa ibhaso ngenxa yonyaka wahlulelana yedwa, oluthathela ingqalelo amathuba akhawunti ezoqoqosho inshorensi, yaye, ke, ukuze kwahlulwa ibe ngenyanga, ngekota, semiannual (kwiindawo alinganayo).

zanyanga le-inshorensi zingahlukaniswa kwakhona ngentlawulo kwexesha, in reflection zabo kwi balance sheet le kwinkampani ye-inshorensi kunye inkulu.