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Chifukwa chiyani kugula inshuwaransi yanthawi yayitali komanso yaumoyo kuyenera kukhala kosiyana

Inshuwaransi yanthawi yayitali ndi inshuwaransi yazaumoyo ndizofunikira komanso kutetezedwa kokwanira pazowopsa zomwe munthu angakumane nazo. Nthawi ndi mphamvu zomwe zimayikidwa pakusefa misika iwiri yosiyana ya chinthu choyenera zitha kukhala zotopetsa. Koma izi siziyenera kupangitsa kuti kugula kumodzi (koyenera kapena ayi) kumangotengera khama logula winayo. Momwe awiriwa amagulidwira komanso zinthu zomwe zimakhudzidwa pozigula nthawi zina zimakhala zosiyana kwambiri.

pa intaneti vs popanda intaneti

Muyenera kugwiritsa ntchito mwayi wa kupezeka kwa ophatikiza pa intaneti kuti mufananize mfundo ndi zolipirira nthawi iliyonse kapena posankha inshuwaransi yazaumoyo. Koma mu inshuwaransi yaumoyo, makamaka pamene zoopsa zenizeni zimaphimbidwa (matenda omwe analipo kale, zosankha za matenda oopsa, kapena subliminals kwa cataracts kapena transplants), thandizo laumunthu lingakhale lopindulitsa poyerekeza ndi kusefa zolemba za ndondomeko ndi diso losaphunzitsidwa. Thandizoli litha kuperekedwa ndi ophatikiza, ma broker, kapena kampani ya inshuwaransi yokhayo koma iyenera kukhala yowonjezera pazomwe zili muzolemba zamalamulo. Kumbali inayi, inshuwaransi yodziwika bwino ya vanila (yokhala ndi phindu la imfa yokha) ndi njira yosavuta (yoyambira KYC ndi mayeso odziwika achipatala) zitha kukhala zogula pa intaneti, poganizira kuchotsera kwa 5-10 peresenti pakugula pa intaneti.

Yang’anani pa chinthu choyambirira ndi chowonjezera

Ngakhale inshuwaransi yanthawi zonse imaperekedwa ndi ntchito yake yayikulu yophimba imfa, zowonjezera zimawonjezera chidwi cha inshuwaransi yazaumoyo motero ziyenera kuyang’ana kwambiri monga chinthu choyambirira. Zowonjezera mu inshuwaransi zanthawi yayitali zimayambira ku passive (kubweza ndalama) kupita ku zopindulitsa (malipiro angozi kapena matenda osachiritsika, chithandizo cha ana) kupita kogwira mtima (kulipira kwa okwatirana). Koma mulimonse momwe zingakhalire, mtengo wa inshuwaransi pa mapindu ena a imfa ungakhale wofunikira kwambiri.

Zowonjezera za inshuwaransi yazaumoyo zimatha kuthana ndi malire (kubweza, NCB), kudikirira kwa PED, mapindu azaumoyo, umayi, matenda oopsa, chithandizo cha odwala kunja, kapena maulendo apadziko lonse lapansi. Kutengera zomwe mumakonda, kuyang’ana pazowonjezera ndikofunikira monga inshuwaransi yaumoyo kuti mupeze phindu lalikulu.

Nthawi yogula

Pomwe teremu yoyamba iyenera kuphimbidwa msanga. Kugula nyumba kapena kukhala ndi ngongole yazachuma kungakhale nthawi yabwino kuti muwonjezere kubweza kwanu koyamba. Moyenera, inshuwaransi yanthawi yayitali iyenera kukhazikika pa HLV kapena mtengo wamoyo wamunthu (zopeza zambiri pazovuta za moyo wonse). Kusintha kwina kulikonse mu HLV kuyenera kuwonetsedwa panthawi yophunzira. Zingakhale zodula kugula chivundikiro chachiwiri kwa zaka 35-40.

Inshuwaransi yazaumoyo yomwe idagulidwa koyambirira idzalola kuti PED idikire kumalizidwa posachedwa komanso mapindu owonjezera a NCB ndi kuchira. . kusintha kulikonse kwa moyo; Ukwati, malo kapena ana atha kuthandizidwa podziwitsa kampani ya inshuwaransi komanso kupititsa patsogolo chithandizo chomwe chilipo ngati pangafunike kapena pogula ndondomeko yowonjezera / yapamwamba kwambiri. Izi ziphatikizanso ndalama zina. Kumbukiraninso kuti zolipirira zimalumikizidwa ndi kukwera kwamitengo komanso zaka.

Kuyanjana kwa okhulupirira

Pambuyo pogula inshuwaransi yanthawi yayitali, kuyanjana kwa wogwirizira / wosankhidwa ndi kampani ya inshuwaransi kudzakhala mwatsoka, kuchitika pakadutsa nthawi yosadziwika mutagula. Choncho, mwiniwakeyo ayenera kuyang’ana mbiri ya inshuwalansi kuti adziwe ngati malipiro akuluakulu amtsogolo angalemekezedwe. Ma metric azachuma monga ma ratios a solvency ratios ndi ma claim ratio ndi maulosi azaka zingapo zikubwerazi bwino lomwe. Makampani a inshuwaransi omwe amathandizidwa ndi boma, mabanki kapena mabungwe akuluakulu ndi zinthu zofunika kwambiri pakusankha inshuwaransi yanthawi yayitali.

Kuyanjana kwa omwe ali ndi policyholder ndi kampani ya inshuwaransi yazaumoyo kuyenera kukhala pafupipafupi komanso kwandalama zochepa (poyerekeza ndi inshuwaransi yanthawi yayitali). Kuthekera kwa ntchito komanso kuthamanga kwa madandaulo, zomwe zimawonetsedwa bwino ndi kuchuluka kwa ntchito zoperekedwa pazogulitsa, mfundo, omwe ali ndi ndondomeko ndi magawo, zitha kukhudza kulingalira za kugula mu inshuwaransi yazaumoyo.

ntchito mtengo vs

Kwa zaka zoperekedwa ndi chivundikirocho, mwiniwakeyo amatha kuwona ndalama zambiri (kuyambira zapamwamba mpaka zotsika) mu inshuwaransi yaumoyo poyerekeza ndi inshuwaransi yanthawi yayitali. Koma chodabwitsa, mtengo (ndalama za inshuwaransi) uyenera kukhala wapamwamba ngati njira yosefera munthawi ya inshuwaransi kuposa inshuwaransi yazaumoyo. Monga tafotokozera, inshuwaransi yanthawi yayitali, kwenikweni, ndi chinthu chosagwirizana. Ngati policyholder kukhutitsidwa ndi mitengo ya kampani ya inshuwaransi ndi zowonjezera zochepa zomwe amasankha, mtengo ukhoza kukhala fyuluta yotsatira.

Inshuwaransi yazaumoyo ikhoza kutanthauza zowonjezera zosiyanasiyana, zomwe zimapangitsa kufananitsa mtengo kutsika pamsika. Wopereka inshuwaransi yemwe ali ndi mitundu yoyenerera yopereka kuti akwaniritse zikhalidwe zomwe zimayenera kuperekedwa kwa mwiniwakeyo ayenera kukhala patsogolo kuposa kuyerekezera mtengo wa inshuwaransi yazaumoyo.

Mwachidule, omwe ali ndi ndalama zogulira inshuwaransi yanthawi yayitali amatha kusankha njira yapaintaneti ndi mtengo ngati zero-post fyuluta pakampani yoyenera ya inshuwaransi yokhala ndi tsiku lolondola. Inshuwaransi yazaumoyo imatha kufufuza zowonjezera zoyenera pamodzi ndi zomwe zili pachimake komanso kuchuluka kwa zomwe kampani ya inshuwaransi ikupereka polemba ntchito mkhalapakati.

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