Inshorensi - is ... inshorensi: umgangatho, uxanduva kunye nobungozi

Abantu Inkampani yeinshorensi aye afune ukhuseleko lwezimali xa kuthe likaxakeka ezahlukeneyo. Kweli nqaku siye sihlolisise, ngoobani-inshorensi, indima yabo, yaye eli ngezinto abanazo iimbopheleleko. Kwakhona ngeengcebiso ngokukhetha iinkampani inokuthenjwa kuba nesiphelo uya kunikwa isivumelwano inshorensi.

Le mbono nangomoya

Inshorensi - na amaqumrhu asemthethweni ukuba mvume ukuba aqhube ishishini inshorensi, ingene kwizivumelwano insurer kwaye bathathe isibophelelo sokunikeza uncedo lwemali kubo xa kubhekiswa kwisiganeko inshorensi.

Ngamagama alula sinokuthi ukuba insurer ngokunxulumene kuwe nkampani apho niye nafikelela inshorensi yobomi okanye ipropati (okanye naliphi na inani).

In Russian, igama elithi "inshorensi" livela kwigama "ukoyika." Kwinqanaba ienjini, kunye inqanda wenkonzo Igama elifanayo. Phesheya, lo okwahlukileyo uyinene;-inshorensi IsiNgesi ebizwa inshorensi kwigama Qiniseka, okungama ukuzithemba.

Ezinye nabathengisi uxhumane nala kunye nomgangatho yophuhliso iinkampani ze-inshorensi aphesheya kwaye Russian Federation.

Ngenxa imihlaba ye-Russian Federation, i-inshorensi (inkampani ye-inshorensi) kufuneka ibe ngomnye iifom ezisemthethweni zilandelayo:

• Ubutyala Company Limited;
• ubutyala olongezelelweyo;
• Vula Joint Stock Company;
• Ezivaliweyo Joint-Stock Company.

capital charter

Kodwa asinguye wonke "ka" okanye "LLC" ukuze abe insurer. Okokuqala bonke abanini iqumrhu elisemthethweni kufuneka kwanele ukwenza nesabelo, iimfuno efanelekileyo apha ngezantsi.

Ukubalwa ubukhulu balo amiliswe isuka kwizinga elisezantsi engange-30 ezigidi. Kwaye ke eli xabiso liphindaphindwe okuza ezithile kuxhomekeka kwixesha elizayo oluntu. okuza igridi wahlulwe kwezi nkalo zilandelayo:

1. Inshorensi, ngubani na oya kuba wenza inshorensi lwemingcipheko ezinxulumene ubomi okanye impilo, unyango.
2. Njengoko point 1, kodwa ngokudibene ne- inshorensi non-ebomini, enxulumene nobunini, amatyala kunye ishishini iingozi.
3. Inshorensi ukuba uceba inshorensi ubomi abemi okanye ukusinda kwiminyaka ethile.
4. Iinkampani ze-inshorensi ukuba uceba ukwenza inshorensi yobomi, ingozi kunye inshorensi yezempilo.
5. Inshorensi abafuna ukuba abandakanyeke reinsurance.

iintlobo ze-inshorensi

Ngokutsho komthetho, inshorensi Russian zihlukaniswe:

• Iinkampani ze-inshorensi;
• inkampani yeinshorensi efanayo.

Kucacile ukuba iinkampani ze-inshorensi - i-inshorensi ngqo abathwali ngemisebenzi yabo ishishini, ngokubonelela ngeenkonzo kubantu okanye amaqumrhu kwi ukuthatha umngcipheko.

Leyo yeyona njongo iphambili yale mibutho - nzuzo kwiinkonzo ezinikiweyo, nto leyo ke lisasazwe zabelo zabo kunye nabanini.

Ngelo xesha, iinkampani ze-inshorensi efanayo akakwazi ukwenza ushishino. Ukuba amele umbutho, ebandakanya amaqela achaphazelekayo amaninzi, kwaye reinsure umdla impahla nganye omnye ngokusekelwe inshorensi efanayo.

Oko kukuthi, imibutho iyenziwa kwaye umsebenzi inshorensi ngeendleko iminikelo yabo. Injongo yabo - ukuhlangabezana neemfuno nxaxheba kwiinkonzo inshorensi ixabiso engcono. Kwimeko ezigqithisileyo yonke imali uhlala ezinjalo imibutho inshorensi ngokwabo.

kufuneka ibe yintoni inshorensi?

Inshorensi - ayikho nje iintlangano yorhwebo ezenza imali emoyeni. Bamele uxanduva ngokupheleleyo ngenxa izibophelelo zabo. A level kakuhle kwentlawulo-inshorensi angakwazi ukuqhayisa, bendingayi ngamnye kubo.

Okokuqala, uxanduva yeinshorensi kukuba umbutho kufuneka aqinisekise ukuba abaxumi bayo abaye wenza isivumelwano kunye nayo, kwinqanaba elithile yokuzikhusela zemali iimeko ekuthethwa ngayo kwisivumelwano.

Xa ukhetha kufuneka inkampani yeinshorensi ukuba banikele ingqalelo igama lakhe. Kwakhona cinga iimpawu inshorensi ilandelayo:

• ranking isikhundla kwimarike ye-inshorensi ngeenkonzo;
• ubungakanani -inshorensi ;
• ukufumaneka kunye nenkcazelo iimeko apho kukho intlawulo inshorensi akenziwa;
• ngoweqela inshorensi ngamazwe;
• ncomo umthengi.

Amalungelo iinkampani ze-inshorensi

Ukufunda insurer kufuneka sinikele ingqalelo isivumelwano, ukuba omnye okanye enye inkampani inika nabathengi ukuba ungene. Kulo ichazwe ngokucacileyo imisebenzi kunye namalungelo-inshorensi, kunye nabathengi bayo.

Kakade ke, sonke kuxhomekeke kuhlobo inshorensi kunye neemeko nikunikiwe phantsi kwayo. Kodwa kusenokwenzeka ukuba ukhanyise iingongoma eziphambili malunga namalungelo-inshorensi, apho zifumaneka uninzi iinkampani ze-inshorensi;

• ukuba umxhamli intlawulo kwangethuba-inshorensi elixelwe isivumelwano;
• ukufumana ulwazi malunga umxumi ngokucebisana kunye naye, nto leyo imfihlelo lorhwebo;
• Ngokuququzelela iqela yesibini umnqophiso ukuyiguqula kancinane;
• unilaterally angasiphelisa isivumelwano ukuze emiselwe uxwebhu;
• xa umcimbi benefits ukuthumela kwabasemagunyeni abafanelekileyo ukufumanisa unobangela kunye neemeko yengozi;
• khangela imiqathango yesivumelwano yi-inshorensi;
• wala yomonakalo emva kokuvela isiganeko benefits ngenxa sanctions nemiqathango yesivumelwano le polisi kwaye bathathe amanyathelo okuthintela kubo, kwasendaweni iimeko esakhokelela ilahleko.

inkampani yeinshorensi nganye Ungadibanisa okanye ususe izinto ezidweliswe apha ngentla. Oku kuphela kuxhomekeke kumgaqo-nkqubo walo, ekufuneka akayi kungqubana iimfuno zemithetho Russian.

benza ntoni bona?

Kufuneka kuqatshelwe kunye namatyala iinkampani ze-inshorensi ukuba a vulavurisana kwaphela:

• phezu kukuvela iziganeko ezithile imvumelwano inshorensi ukuba ahlawule lokumiswa inshorensi ukuya umxhamli kwimeko non-ikukunyasha onke amagatya lesivumelwano;
• ukukhupha ipolisi ye-inshorensi (contract) kwi-inshorensi ngexesha isiphelo layo;
• nokugcina izinto ziyimfihlo malunga inkcazelo yobuqu umthengi lowo ifunyenwe kwi kwikhondo lakhe;
• kuzihlawula iindleko ezenziwe yi-zeinshorensi ukunciphisa iziphumo kokuvela isiganeko inshorensi.

Kusenokubakho ezinye iimeko. Ngocoselelo bafunde yesivumelwano phambi kokuba utyikitye ngayo. Kungenjalo uzibeka esichengeni sokwenzakaliswa kusala ungenanto, naxa isiganeko inshorensi.

izimvo zabantu

Kukho izimvo ezahlukeneyo kunye neembono ngemfuneko ukuba ibe inkampani yakho ye-inshorensi yobomi. Kukho abantu abakholelwa ezeni abakholelwa ukuba insurer - oko utshayelela into embi. Oko kukuthi, ukuthenga i-inshorensi, wena ngokuzenzekelayo ezinegalelo ukuba oko kuya kwenzeka kuwe usengxakini.

Kukho baneembono ezahlukeneyo kwiinkonzo ezinjalo. A lot of reviews emihle iinkampani ze-inshorensi. Umzekelo, kukho abantu abaninzi abajongene ngetyala. Njengoko usazi, uthathe imali-mboleko imali eninzi kakhulu. Kodwa iinkampani ze-inshorensi isindululo inshorensi ubomi umondli, okanye kulo mzekelo, ungahlala ngaphandle ithuba nenzala.

isigqibo

Abantu abaye balahlekelwa, kukholelwa ukuba insurer - security zemali kunye nokuzithemba elizayo. Indlela kuphela ukuqinisekisa uncedo lwakho ngamaxesha anzima. Kakade ke, kuya kufuneka yokugubungela iingozi-inshorensi ukuhlawula intlawulo phantsi isivumelwano. Kodwa nayiphi na imeko, ubukhulu balo incinane kakhulu iingxaki zemali ezinokuvela ezinye iintlekele okanye ingozi.

Njani ukwenza oko kufuneka ukucombulula ngokwabo. Kangangoko sifuna, kodwa ebomini kukho iimeko engaxhomekekanga kukhathalelo yethu, okanye unyango. Kusoloko kukho amathuba iyinto.