Momwe Southern Cross inshuwaransi yaumoyo ikukonzekera kusunga ndalama zambiri

Kampani yayikulu kwambiri ya inshuwaransi yazaumoyo m’dzikolo idalemba ndalama zowonjezera zaumoyo. Chithunzi chophatikizidwa

Southern Cross, bungwe lalikulu kwambiri la inshuwaransi yazaumoyo mdziko muno, likukonzekera kugwiritsa ntchito ndalama zochulukirapo zomwe zimaperekedwa chifukwa chotsika mtengo kuti zithandizire kuti chiwongola dzanja chiwonjezeke chifukwa chikuwona kuchuluka kwa mamembala m’zaka 30.

The
Gulu lopanda phindu la Friendly Community lidapeza ndalama zochulukirapo zokwana $90.14 miliyoni mchaka chomwe chidatha pa June 30, kuchokera pa $52.5 miliyoni mchaka chandalama chapitacho.

Pomwe ndalama zake zoyambira zidakula kuchoka pa $1.28 biliyoni kufika pa $1.384 biliyoni, ndalama zobweza ndalama zonse zidatsika kuchoka pa $1.115 biliyoni mpaka $1.103 biliyoni.

Mkulu wa bungwe la Nick Astwick adati pali zonena zocheperako chifukwa chotsekereza mwayi wopeza chithandizo chamankhwala komanso kupewa kapena kuchedwetsa opaleshoni kwa anthu.

“Tikuyembekeza kuwona kukwera kwakukulu kwamitengo ndi kuchuluka kwa zodandaula m’chaka chomwe chikubwera, popeza omwe adachedwa kulandira chithandizo tsopano adzafuna chithandizo chamankhwala. pamwamba pamlingo wovuta kwambiri.

“Timayesetsa kupewa kusinthasintha kwakukulu kwa ndalama za inshuwaransi kwa mamembala athu, chifukwa chake tidzagwiritsa ntchito gawo lalikulu lazotsalira kuti tichepetse kuchuluka kwa ndalama zomwe tingathe.”

Astwick adanena kuti pazaka zisanu zapitazi, kukwera kwake kwamtengo wapatali, kunja kwa kusintha kwa ukalamba, kwakhala pafupifupi 6 peresenti pachaka.

Pafupifupi 70 peresenti ya izi idayendetsedwa ndi mamembala omwe amagwiritsa ntchito ntchito zambiri pomwe 30 peresenti idachitika chifukwa cha mitengo yokwera.

Koma adati, monga momwe zilili ndi mabanja ndi mabizinesi ena onse ku New Zealand, kukwera kwamitengo kudakwera kwambiri.

“Tikuyang’ana njira zokwera mtengo chifukwa makontrakitala athu amawapangitsa kuti agwirizane ndi kukwera kwa mitengo, ndiye kuti akwera 6 kapena 7 peresenti.

“Chifukwa chake pali zovuta m’zaka zingapo zikubwerazi ndipo ndichifukwa chake tidzagwiritsa ntchito ndalama zochulukirapo kuposa zomwe zidakonzedweratu kuti tichepetse kukwera kwamitengo yotsika kwambiri kuti tifikitse pa avareji yanthawi yayitali ya 6 peresenti. .”

Ananenanso kuti ndalama zolipirira zidzakwera chifukwa chofunidwa, koma sizikhala zazikulu monga momwe zinalili popanda cushion yowonjezera.

Kampani ya inshuwaransi yawonanso kukula kwakukulu kwa mamembala mchaka chatha.

Pafupifupi mamembala 20,000 adalembetsedwa, kukulitsa mamembala ake kufika 908,000 – kukwera kwazaka 30 kwa anthu ammudzi.

Astwick adati chinali chaka chachisanu ndi chiwiri chakukula kwa umembala wa Southern Cross.

Koma nthawi zambiri imawonjezera 13,000 mpaka 14,000 mamembala atsopano pa avareji.

Bungweli lidapambana bizinesi pambuyo poti ANZ idasamutsa inshuwaransi yake yazaumoyo kupita ku Southern Cross kuchokera ku NIB.

Koma iye anatchula zinthu zitatu zimene zachititsa kuti achuluke.

“Mukudziwa, talente imakhala yolimba pamsika. Ogwira ntchito amawona inshuwalansi ya umoyo monga phindu loyamba. Tikuwona zofunikira zambiri, makamaka kuchokera kumagulu ndi makampani omwe akugulitsa ndalama zawo zothandizira antchito. Ndikuganiza kuti ndikuyendetsa kupeza.”

Anatinso anthu ambiri aku New Zealand amayamikira thanzi lawo atakumana ndi miliri zaka zingapo zapitazi, ndipo awonanso mamembala ochepa akuchoka.

“Akuyang’ana kuti awonetsetse kuti atha kuwonedwa mwachangu ngati kuli kofunikira chifukwa malo ochulukirapo akuwoneka kuti ndi ovuta kwambiri.”

Kuyambira kumapeto kwa June, umembala wake ukupitiriza kukwera mofulumira ndipo tsopano ndi 915,000 kumapeto kwa August.

“Kuthamanga uku kukupitilira.”

Astwick adati ikutenganso njira yothandizira mamembala kuthana ndi kukwera mtengo.

Avereji ya zaka za mamembala ake inali 40 ndipo mtengo wake sunali vuto kwa iwo popeza adalipira chiwopsezo chawo.

Koma kuyambira zaka 55 kupita mtsogolo, anthu akamagwiritsira ntchito zabwino zonse za opaleshoni, ndalamazo zinakwera.

Anatinso bungweli lidalumikizana ndi ambiri mwa mamembalawa ndipo pafupifupi 80 peresenti anali omasuka ndi mapulani awo komanso mtengo wawo.

“Pafupifupi 20 peresenti yasintha dongosolo lawo ndi mtengo wawo makamaka chifukwa cha kuchuluka kwathu.”

Astwick adati kunyamula zotsalira ndi njira imodzi yosungitsira ndalama zolipirira.

Idalipira masenti 87 pa $ 1 iliyonse pamalipiro omwe amaperekedwa kuti athe kulipirira chithandizo chamankhwala, adatero, poyerekeza ndi masenti 65 amakampani.

Gulani inshuwalansi yapaulendo

Nkhani zake zapachaka zikuwonetsanso kuti Southern Cross Health Society idapeza Southern Cross Travel Insurance kuchokera ku bungwe la alongo Healthcare Group, bungwe losiyana lomwe limagwira zipatala, mu June kwa $28.5 miliyoni.

Astwick adati kugula kwa kampani ya inshuwaransi yapaulendo kubweretsa inshuwaransi zonse za Southern Cross pamodzi chifukwa idagula kale kampani ya inshuwaransi ya ziweto.

“Anthu ammudzi tsopano ndi eni ziweto komanso inshuwaransi yoyendera ngati ndalama.”

Akuyembekeza kuti ndalama zochokera kumakampaniwa zithandiziranso kukulitsa kukula kocheperako mtsogolomo.

“Tikukhulupirira kuti nthawi yayitali ibweretsa phindu labwino kwa mamembala athu.”

Nick Astwick, CEO, Southern Cross Health.  Chithunzi chophatikizidwa
Nick Astwick, CEO, Southern Cross Health. Chithunzi chophatikizidwa

Bizinesi yoyendayenda inali ndi phindu lalikulu la $ 13.4 miliyoni ndikutayika pambuyo pa msonkho wa $ 6.8 miliyoni mchaka chandalama, koma izi sizinaphatikizidwe muzotsatira za gululo popeza zidapezedwa pa June 30.

Astwick adati wayamba kuwona mabizinesi akusintha ngati malire otseguka.

Bizinesi ya inshuwaransi yoyenda idatsikira kwa anthu 40 panthawi yotsika ya mliriwu, koma idakula mpaka anthu 80 ndipo ikuyenera kukula mpaka anthu 100 pakapita nthawi.

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