Kodi chilolezo? - Yankho lake lili mtundu ndi Insurance

Tsopano mawu ambiri achilendo ayamba mbali ya lotanthauzira wathu. Mmodzi wa iwo - chilolezo. Zaka zingapo zapitazo, mawu ntchito kokha "zotsogola" malonda, koma tsopano anakumana ndi wazamalonda aliyense amene akufuna kusintha moyo wawo.

Funso "Kodi chilolezo" akhoza adayankha, ndi - liwu la zachuma lomwe lingakhale kuti:

- gawo la zomvetsa munthu insuring chuma;

- ufulu chilolezo ndi;

- chilengedwe cha kampani pa chilolezo maziko.

Mu gawo loyamba la tanthauzo la chilolezo kumatanthauza zomvetsa anthu ndi inshuwalansi katundu, omwe si refundable ndi inshuwalansi kampani pansi mfundo za mgwirizano.

Mu tanthauzo chachiwiri akuti anafotokoza ufulu kukhazikitsa mabizinezi chinkhoswe mu mankhwala malonda okondedwa.

Mtengo lachitatu - kulenga malonda pamaziko a franchising. Mwachitsanzo, ngati muli masitolo a zopangidwa wotchuka zodzoladzola ndi zovala.

Ndiye kodi chilolezo? Mu mawu osavuta, ndi mtundu wa kubwereka mtundu kapena mankhwala, komanso kugwiritsa ntchito zinthu zawo dongosolo malonda zilipo. Woyambitsa wa chilolezo ndi kaye "McDonald ndi". Ndithudi, chifukwa chachikulu kugulitsa franchises padziko lonse McDonald abale ndi zinthu kudya chakudya zatchuka kwambiri.

Deductible - icho chiri, amadziwa pafupifupi aliyense Pamene ntchito ku kampani ya inshuwalansi. The insurer akuti chilolezo momwe kumasulidwa kwa kampani yake ya maudindo indemnification amene musalumphe kukula anakhazikitsa. Pankhaniyi, osiyana makonzedwe ndi chopanda malire phindu.

Kodi inshuwalansi deductible, mosapita kwambiri anasonyeza mwa chitsanzo. Kotero, anthu kuumba watsopano galimoto inshuwalansi. A zochuluka a madola 5 zikwi. Ndiye kusankha inshuwalansi mogwirizana ndi "kuba + kuwonongeka" insurer ayenera kulipira $ 400. The kampani ya inshuwalansi amapereka kuchita izo ndi deductible a $ 100, ndipo munthu alibe kulipira inshuwalansi $ 400, ndi 380. Panthawi kulembetsa inshuwalansi, njirayi n'kopindulitsa. Koma pali mfundo zina zabwino mu chochitika chochitika inshuwaransi.

Mwachitsanzo, panali zimakhalapo kakang'ono pa makina kapena wosweka Getsi lakutsogolo. Popeza kuchuluka kwa kuwonongeka si upambana mtengo wa deductible ($ 100), ndi kukonza yotentha ndi mwini pa ndalama zake. Ndi kusokonezeka zazing'ono, n'zotheka ndi kosavuta kukhala ndi chilolezo ena. Motero, munthu akudzitcha kuti garaja, kumene iye anali kwa nthawi yochepa, kuchotsa zolakwa zonse zazing'ono. Apo ayi ndiye kuti anayenera nthawi yaitali kugawana wotuluka zogwirizana ndi inshuwalansi kampani mpaka iwo kulipira kumawononga kuchuluka kwa ndalama anavomera.

Ngati imfa anakwana $ 120, kampani inshuwalansi adzakhala reimburse 20 okha a iwo. Koma pamene inu kulingalira za kuchuluka kwa mapepala zofunika $ 100, ambiri galimoto eni chifukwa cha pang'ono salankhula ndi insurer ndi kutenga ndalama zonse.

Mu chochitika cha vuto lalikulu kwambiri kuwonongeka ndi yosiyana. Pakuti zokonzedwanso galimoto kukonza galimoto inivoyisi ku kampani ya inshuwalansi, ndi kuti, iwonso, limalipirira $ 100 bilu zochepa. Izi ndalama zikusowa azibweretsa mwini galimoto. Imeneyi ndi opambana yekha ndi kampani ya inshuwalansi.

Pamwambapa anafotokoza chilolezo amakhala ngati popanda chifukwa. mtundu uwu ndi ambiri ndipo anapereka insurer a.

Kodi chilolezo, izo zikusonyeza njira zojambula za mawerengedwe ake. Choncho, ngati zomvetsa pa chochitika inshuwaransi chiyani musalumphe mtengo wake, mtengo ndi ofalitsidwa ndi mwini galimoto. Ngati kuchuluka kwa kuwonongeka pa chilolezo ndi (ngakhale pang'ono okha), kampani inshuwalansi adzakhala reimburse inu kwathunthu. Mtundu n'kopindulitsa kwambiri kwa inshuwaransi, koma kampani ya inshuwalansi kupereka n'kovuta kwambiri.

Choncho, m'nkhani ino takupatsani tanthauzo la "zimene ndi chilolezocho" limatchula mitundu yake ndi njira ya ntchito.