Mkonzi waulere wa Patapiraman

Kodi njira yabwino kwambiri yophatikizira inshuwaransi yoyambira komanso yolipira kwambiri ndi iti?

Wowerengayo akulemba kuti, “Kodi chonde mungalembe nkhani ya momwe mungaphatikizire inshuwaransi yaumoyo yanthawi zonse (yoyamba) ndi ndondomeko yowonjezera kwambiri? uli ndi policy?”

Choyamba, tiyeni tiwone zinthu zothandiza kwa iwo omwe akufuna kudziwa zambiri za inshuwaransi yazaumoyo komanso momwe angagulire:

Tsopano, tiyamba kuzindikira kuti inshuwaransi ndi masewera otheka. Chifukwa chiyani ma superpackage ndi otsika mtengo kuposa inshuwaransi yanthawi zonse (kapena yoyambira)?

Ndondomeko zowonjezera zimabwera ndi chiganizo chochotsera. Sadzalipira ngati ndalamazo zili zochepera kapena zofanana ndi ndalama zochotsedwa. Tiyerekeze kuti ndondomeko yowonjezera idachotsedwa ndi Rs. 3 lakhs ndikulipira Rs. 5 lakh.

Chifukwa cha Rs. 6 lakh,

  • Ngati mupempha Rs. 5 lakhs ya mfundo zoyambira, zochulukirapo zidzalipira Rs. 1 lakh
  • Ngati mupempha Rs. 3 lakhs ya mfundo zoyambira, kuonjezera kudzalipira Rs. 3 lakh
  • Ngati mulibe ndondomeko yabwinobwino, ndalamazo zidzalipira Rs. 3 lakh. Kuti mudziwe zambiri, onani nkhani ya FAQ yolumikizidwa pamwambapa.

Kukwera kwa deductible, kutsika mtengo (kwa kuchuluka komweko komwe kumaperekedwa). Izi ndichifukwa chakuthekera kwa Rs. 5 lakh akaunti ili pansi pa Rs. 1 lakh akaunti. Ndalama zomwe zili pano zikutanthawuza ndalama zogonekedwa m’chipatala za omwe ali ndi inshuwaransi komanso kulipira kapena kutayika kwa kampani ya inshuwaransi.

Chifukwa chake, ndondomeko yowonjezera (m’nkhaniyi, kukweza kuyenera kutanthauza kupitilira apo). ndi Rs. 1 lakh kuchotsera ndi Rs. Chivundikiro cha 10 lakh chidzawononga ndalama zoposa imodzi ndi Rs. 5 lakh kuchotsera ndi Rs. 10 lakh chivundikiro.

Mbali ina yofunika kwambiri ya mfundo zofunika kwambiri iyenera kumvetsetsedwa tisanaganizire zoyambira + zapamwamba zowonjezera.

  • Ngati inshuwaransi yoyambira komanso yapamwamba ikuchokera kumakampani osiyanasiyana a inshuwaransi, tidzayenera kulipira ngongole yakuchipatala kenako ndikufunsira kukampani yowonjezera ya inshuwaransi. Chifukwa chake ndizopanda ntchito kunena kuti ndili ndi Rs. 1 crore yowonjezera, pokhapokha mutakhala ndi ndalama zambiri (Net Liquid Value)!
  • Ngakhale ngati ndondomeko zonse ziwirizi zikuchokera ku kampani imodzi ya inshuwalansi, mwayi wobweza ngongole ndi wochuluka ngati kampani ya inshuwalansi ili ndi chikayikiro pa mndandanda wa ndalama zomwe chipatala chimapereka. Zoonadi, anthu ogulitsa anganene kuti “adzathandiza” panthawi yodandaula, koma izi sizowonjezera kukweza. Inu simungakhoze kudalira pa izo.

Chifukwa chake, ngati inshuwaransi yoyambira ikukwera, m’pamenenso mwayi woti superinshuwaransi idzagwiritsidwe ntchito imachepa. Izi zingamveke zachilendo kwa ena. Adzafunsa kuti, “Kodi kudzaza kwakukulu ndi chiyani?”

Ndikuwona motere: Tiyerekeze kuti muli ndi thumba lamwadzidzi la Rs. 1 lakh ndi ndalama zowonjezera (zamadzimadzi) za Rs. 10 lakh. Zadzidzidzi zazing’ono zitha kuperekedwa popanda kuwononga ndalama.

Komabe, cholinga chathu ndikuwonetsetsa kuti kukula kwachuma sikukhudzidwa momwe tingathere. Choncho tisamangomanga thumba lalikulu lazadzidzidzi, komanso tizidyetsa nthawi zonse.

Ndiye tiyerekeze kuti mwasankha Rs. 5 lakh base policy ndi Super Top ya Rs. 50 lakh ndi Rs. 5 lakh pa deductible, ndingalimbikitse kuwonjezeka pang’onopang’ono kwa mfundo zoyambira za aliyense Ngati mungakwanitse. Zilibe kanthu ngati ndondomeko yoyamba ili ndi kapu yomwe imakhala yochuluka kuposa deductible.

Momwe Mungaphatikizire Malamulo a Inshuwaransi Yoyambira ndi Yapamwamba

  • Kugula inshuwaransi yazaumoyo (kusiyana ndi inshuwaransi yanthawi yayitali) ndizokhudza momwe matumba anu alili.
  • Palibe lamulo lolondola kapena lolakwika + combo. Tiyenera kukhazikitsa mtendere ndi zomwe tingakwanitse.
  • Ngati mumagula ma Rs 5 litre base + okwera kwambiri (5 litre deductible, 50 liter cover), onjezani malamulo oyambira ndi ndalama zochepa pachaka. Kampani ya inshuwaransi siyingakweze kapu (m’chaka chimenecho) ngati mudapereka chikalata chaka chatha. Mutha kuwonjezera kudzaza kwanu kwakukulu mpaka pamzerewu. Musawonjezere deductible.
  • Zomwe zili pamwambazi zikugwiranso ntchito ku Rs. 10 litre base cap.
  • Ngati mungakwanitsekugula rs. 25 malita a chivundikiro choyambirira (wabanja kapena osakwatiwa) chokhala ndi ma Rs. Kusungidwa kwa Rs 1 Crore (Kuyandama kwa Banja) ndi kuchotsera kwa Rs. 10 lakh za zomwezo Kampani ya inshuwaransi (ngati kungatheke). Izi zidzachepetsa kudalira ndondomeko yapamwamba yowonjezera (yomwe, mulimonse, ndiyotsika mtengo kwambiri). Panthawi yolemba izi, izi zikuwoneka ngati kuphatikiza kolimba. Kutsika kwa mitengo yamankhwala kudzakwera kufika paziwerengerozi pakapita zaka zingapo.
  • Chofunika kwambiri: Yesetsani kuyika ndalama zowonjezera kuti mukwaniritse zolinga zanu zachuma. Zowonjezera izi zitha kukhala ngati zida zachipatala zadzidzidzi. Onani: Chifukwa Chake Tonse Timafunikira Phukusi la Ndalama Zachipatala ndi Momwe Mungamangirire.

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Onani tsambalo! Sakani pakati pa zolemba zopitilira 2,000 kuti mudziwe zambiri komanso luntha!

Za wolemba

Mkonzi waulere wa PatapiramanDr M Pattabiraman(PhD) ndiye woyambitsa, wowongolera, komanso wolemba wamkulu wa freefincal. Ndi Pulofesa Wothandizira ku Indian Institute of Technology, Madras. Ali ndi zaka zopitilira zisanu ndi zinayi zofalitsa kusanthula nkhani, kafukufuku ndi chitukuko cha zinthu zachuma. Lumikizanani naye kudzera Twitter kapena linkedin kapena YouTube. Pattabiraman adalemba nawo mabuku atatu osindikizidwa: (1) Mukhozanso kulemera ndi chandamale zochokera ndalama (CNBC TV18) Kwa Otsatsa a DIY. (2) Kusintha masewera kwa mnyamatayo Zochita. (3) Shinshu amapeza mphamvu zazikulu! za ana. Walembanso asanu ndi awiri ena Ma eBook aulere pamitu yosiyanasiyana yoyendetsera ndalama. Iye ndi wothandizira komanso woyambitsa nawo “India yekha,Adapangidwa kuti alimbikitse upangiri wopanda tsankho, wopanda komisheni.


Njira yathu yayikulu! Phunzirani momwe mungasamalire mbiri yanu ngati pro kuti mukwaniritse zolinga zanu mosasamala kanthu za msika! Opitilira 3,000 osunga ndalama ndi alangizi ndi gawo lathu lapadera! Dziwani bwino momwe mungakonzekere zolinga zanu ndikukwaniritsa kuphatikiza kofunikira mosasamala kanthu za msika !! Onerani nkhani yoyamba kwaulere! Kulipira kamodzi! Palibe malipiro obwereza! Kupeza mavidiyo moyo wonse! Chepetsani mantha, kusatsimikizika ndi kukayikira pamene mukugulitsa! Phunzirani momwe mungakonzekere zolinga zanu musanapume pantchito komanso mutapuma molimba mtima.


Gawo lathu latsopano! Wonjezerani ndalama zanu polipira anthu chifukwa cha luso lanu! Ogwira ntchito olipidwa opitilira 700, amalonda, ndi alangizi azachuma ndi gawo lathu lapadera! Phunzirani momwe mungapangire anthu kulipira luso lanu! Kaya ndinu katswiri kapena eni mabizinesi ang’onoang’ono omwe mukufuna makasitomala ambiri kudzera pa intaneti kapena munthu wolandila malipiro omwe akufuna ndalama zongopeza kapena kungopeza ndalama, tikuwonetsani momwe mungapangire izi powonetsa luso lanu ndikumanga gulu lomwe limakhulupirira amalipira inu! (Penyani nkhani yoyamba kwaulere). Kulipira kamodzi! Palibe malipiro obwereza! Kupeza mavidiyo moyo wonse!


Bukhu lathu latsopano la ana: “Shinshu imakhala yamphamvu kwambiri!” Ikupezeka tsopano!

Chivundikiro cha Chinchu, mnyamata ndi mtsikana amapeza mphamvu zazikuluChivundikiro cha Chinchu, mnyamata ndi mtsikana amapeza mphamvu zazikulu
Chivundikiro cha Chinchu, mnyamata ndi mtsikana amapeza mphamvu zazikulu.

Mavuto ambiri omwe amaikapo ndalama amayamba chifukwa cha kuchepa Pangani zosankha mwanzeru. Tonse tapanga zisankho zoyipa ndi zolakwika zandalama pomwe tidayamba kupanga ndalama ndikukhala zaka zambiri tikukonza zolakwikazo. N’chifukwa chiyani ana athu ayenera kukumana ndi zowawa zomwezo? Kodi bukuli likunena za chiyani? Monga makolo, kodi zikanakhala bwanji ngati titati tikhozetse mwa ana athu luso limodzi limene lili lofunika kwambiri osati pa kusamala ndalama kokha ndi kusungitsa ndalama komanso m’mbali iliyonse ya moyo? yankho langa: Pangani chisankho choyenera. Choncho m’bukuli, tikukumana ndi Chinchu, yemwe adzakhala ndi zaka 10. Zomwe akufuna pa tsiku lake lobadwa komanso momwe makolo ake amakonzera ndikumuphunzitsa mfundo zambiri zofunika pakupanga zisankho ndi kasamalidwe ka ndalama ndi nkhani. Owerenga amati chiyani!

Ndemanga kuchokera kwa wowerenga wachinyamata atawerenga Chinchu amapeza mphamvu zazikulu (kang'ono kakang'ono)Ndemanga kuchokera kwa wowerenga wachinyamata atawerenga Chinchu amapeza mphamvu zazikulu (kang'ono kakang'ono)
Ndemanga kuchokera kwa owerenga achichepere Mukawerenga Chinchu mumapeza mphamvu zapamwamba!

Bukuli ndiloyenera kuwerengedwa ngakhale kwa akuluakulu! Izi ndi zomwe kholo lililonse liyenera kuphunzitsa ana awo kuyambira ali aang’ono. Kufunika kosamalira ndalama ndi kupanga zisankho motengera zomwe akufuna komanso zosowa zawo. Zolembedwa bwino kwambiri m’mawu osavuta. – Aroni.

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Za freefincal & zake Ndondomeko yazinthu Freefincal ndi bungwe lofalitsa nkhani lomwe limapereka kusanthula, malipoti, ndemanga, ndi zidziwitso zoyambira pazachuma, masheya, kuyika ndalama, kupuma pantchito, ndi chitukuko chandalama. Timachita izi popanda kusagwirizana kapena kukondera. Titsatireni nkhani za google. Freefincal imathandizira owerenga opitilira mamiliyoni atatu pachaka (mawonedwe amasamba miliyoni 5) ndi zolemba zochokera pazowona komanso kusanthula mwatsatanetsatane kwa olemba ake. Mawu onse opangidwa adzatsimikiziridwa kuchokera kuzinthu zambiri komanso zodalirika asanasindikizidwe. Freefincal samasindikiza zolemba zilizonse zolipiridwa, kukwezedwa, PR, satire kapena malingaliro popanda mawu. Malingaliro onse omwe aperekedwa adzangokhala ziganizo zochirikizidwa ndi umboni wotsimikizika ndi wobwerezabwereza. Zambiri zamalumikizidwe: Malembo {at} freefincal {dot} com (Palibe zotsatsa kapena zolipira zomwe zidzasangalatsidwe)


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Zofalitsa zathu

Mukhoza kukhala olemera kwambiri ndi zolinga zochokera ndalama

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Mtheradi wanu ulendo kalozera

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