Inshuwalansi umafunika

Insurance umafunika akuimira amalipiritsa inshuwalansi, lolipiridwa ndi ukoma lamulo la nkhani ya inshuwalansi mokakamizidwa kapena inshuwalansi zaufulu pansi pa mawu a pangano, ndipo kudzera mwa kupanga ndalama za inshuwalansi.

Inshuwalansi umafunika monga mfundo malinga ndi wokhutira, ali maonekedwe atatu:

• malamulo - anawonetseredwa mu mwachindunji chisanadze ndalama udindo inshuwalansi, yomwe zikutsimikiziridwa ndi mgwirizano inshuwalansi anamaliza pakati pa zipani;

• zachuma - zochita ngati chiwerengero cha ndalama national allocated kwa inshuwaransi, kuonetsetsa zofuna zake ku mavuto kapena oipa zotheka zochitika chokhwima (milandu inshuwalansi);

• masamu - chimaoneka mu mawonekedwe a mobwerezabwereza malipiro nthawi kuti insurer mwa inshuwaransi.

Mtengo wa ntchito inshuwalansi zikusonyezedwa kuchuluka lolipiridwa ndi policyholder kwa insurer a inshuwalansi umafunika, ndiko kuyankhula kwina, ndi mtengo wa utumiki insurer yoperekedwa ndi iwo kwa kasitomala likhoza chochitika inshuwaransi. The mawerengedwe a inshuwalansi umafunika anapangidwa monga mwa tariff inshuwalansi. Mosavomerezeka mlingo inshuwalansi limanenedwa ngati mlingo wa inshuwalansi umafunika kuti chinthu inshuwalansi kapena ndalama inshuwaransi unit.

Inshuwalansi umafunika ayenera mtengo wokwanira:

• chivundikiro ankayembekezera amanena pa nthawi inshuwalansi ya;
• chilengedwe cha nkhokwe inshuwalansi;
• kuphimba ndalama za makampani inshuwalansi mu khalidwe la zochitika;
• Kuonetsetsa zina phindu malire.

Gawo limene aumbike pa ndalama za mudalitso inshuwalansi lakonzedwa yekha kwa ndalama za inshuwalansi, wotchedwa umafunika ukonde wa chomwecho, umalimbana wozengereza inshuwalansi kuphimba ndalama insurer a - katundu. Net umafunika, chotero mtengo wa inshuwalansi, kupatulapo ndalama review, ndi kupezeka pa insurer a. Ndipotu, inshuwalansi umafunika - osakaniza umafunika ukonde ndipo potsegula, limatchedwanso umafunika aakulu.

Mitundu ya inshuwalansi umafunika

Various luso mbali ya umafunika yodziwika ndi mfundo zosiyana.

Mwa maikidwe izo lagawidwa:

• chiopsezo umafunika, anafuna kubisa chiopsezo;

• amalipiritsa yosungirako, amene ali pano mu mapangano inshuwalansi moyo ndi chimakwirira malipiro policyholder pamene nyengo inshuwalansi chimagwira;

• khoka umafunika, lomwe lili ndi ndalama za inshuwalansi kwa nthawi yeniyeni ya nthawi winawake mtundu wa inshuwalansi ;

• chopereka okwanira ofanana ndi kuchuluka kwa katundu ndi ukonde premiums, zomwe zina mwa ndalama za insurer ndi;

• tariff mlingo insurer ongokhala zopereka chokwanila premiums chofunika kuphimba ndalama zokhudzana zosiyanasiyana njira zoyezera, Kukwezeleza ndi malonda, ndi zina.

Ndi chikhalidwe cha chiopsezo inshuwalansi umafunika zimagawidwa ku zachirengedwe, zomwe chimakwirira chiopsezo kwa nthawi yeniyeni ya nthawi, ndi amodzi, musati kusintha ndi nthawi, kuti nthawi zonse.

premiums Insurance zidzasankhidwa malinga ndi mawonekedwe a malipiro kuti:

• mpukutu pamodzi, zomwe kwathunthu lolipiridwa ndi inshuwaransi pa inshuwalansi pasadakhale;

• amalipiritsa apano - ndi gawo lina la munthu nthawi umafunika, chifukwa ndi mbali ya mukukwaniritsa anapanga ndi inshuwaransi ndi kulemekeza insurer ndi;

• Mtsogolo mphoto - mpukutu pamodzi mphoto chifukwa pachaka wogawanika, amene amaganizira mwayi wopezera ndalama inshuwaransi, ndipo nawonso, akhoza kugawidwa mu mwezi, kamodzi miyezi itatu iliyonse semiannual (m'madera ofanana).

premiums Insurance akhoza kugawidwa komanso kupereka nthawi, mu chinyezimiro awo pa muyezo pepala la inshuwalansi kampani ndi yaikulu.