Insurance premium - iyinene

Kwiminyaka yakutshanje, ngokuya weva TV okanye eminye imithombo yolwazi malunga ne-inshorensi. Ngokumalunga yinxenye enyanzelekileyo - oku kulula (akukho ukhetho: ukuba inkqubo okanye abanayo). Kodwa inxalenye ngokuzithandela eziphumelela kunokwenzeka kufuna ukuqonda koluntu kule ndawo. Makhe sithethe ngayo i-inshorensi yobomi. ukubaluleka kwayo kunye nemfuneko nganye.

indaba

Isiqalo inshorensi yobomi eqalwe eNgilani ngenkulungwane XVIII. Sele kwinkulungwane elandelayo, le mbono waziswa eJamani, eFransi, United States, tsarist eRashiya. Imigaqo engundoqo yomsebenzi zisetyenziswa kwihlabathi lanamhlanje. 90% yabantu eYurophu naseMelika namhlanje-inshorensi yobomi. ERashiya, eli nani liphantsi kakhulu.

isimiso ukusebenza

-Inshorensi umgaqo ngokwayo elula gca. Umntu uhlawula umrhumo (oko isixa esithile semali ehlawulwa kwinkampani ye-inshorensi ukuze ufumane inkonzo inshorensi). Umcimbi inshorensi ezibonelelwa liSebe isivumelwano - ngumxhasi okanye abalandeli (kwimeko ukufa komntu inshorensi) ifunyenwe isixa esithile. Njengoko-inshorensi yobomi, ngoko kukho kwakhona le-inshorensi, kunye nokulondoloza imali. Ekubeni insurance premium (inshorensi fee) - utyalo-mali umntu inzuzo. Customers imali nkampani lityale kwizixhobo ezahlukeneyo zemali (estate lenene, izibambiso, iidiphozithi ebhankini, njalo njalo). Ekupheleni kwesivumelwano umntu ibuyiswa, isiphumo iminikelo inshorensi kunye ingeniso-mali. Kwimeko yokuba ukufa zeinshorensi phambi kokuphela imali-nkqubo kwi-mali kuzo ebekuvunyelwene sum inshorensi ihlawulwe kubaxhamli (idla ilungu losapho).

ukuthandwa

ERashiya, kwi -inshorensi ngokuzithandela, jikelele, umntu uchitha ukuya kwi-2% umholo. Nakuba kumazwe amaninzi eYurophu abemi, kuthabatha 1/3 yomvuzo wenyanga. Esona sizathu siphambili sokuba unpopularity, ngokutsho-inshorensi, kuba bengazi abantu ngale mveliso kunye nezo zawo. Ngenxa yoko - ukoyika ukuba imali kufuneka anikwe kangangeminyaka eli-10 okanye ngaphezulu kubantu iphezulu kakhulu umnqweno ukuzikhusela bona kunye nabo babathandayo, lo gama ukuhlinzeka capital ngokwayo. Ukanti market inshorensi layfovogo okhula ngokukhawuleza. Ngokutsho Association of inshorensi yobomi, iziqendu ngo-2013 landa nge 40,6% xa kuthelekiswa no-2012. Kwezi, imali eqokelelweyo ye-inshorensi yobomi kwabemi lande nge-59,9%. Kule minyaka mine idlulileyo, itotali yesayizi yemakethi iye izihlandlo ezintandathu.

Imfuneko kwiinkqubo abantwana Russian kaThixo. Kulo mzekelo, i-insurance premium - ikamva lo mntwana, nto leyo baseRashiya kusoloko inombolo umbuzo 1.

ukubaluleka

Yintoni onika inkqubo inshorensi yobomi ngumntu?
• ukhuselo zemali xa uswelekile, ukhubazeke, kunye nezifo ezahlukeneyo.
• Ukuba nokwenzeka imali kwamaxabiso.
• Ukulungiswa yengeniso mali.
• Ukudala capital ngekamva ngokwakho kunye nelungelo labaxhamli ilifa.
• Ukudala capital abantwana babo.

kulonda

Kuba ihlabathi iminyaka 200 idlulileyo, akukho inkampani yeinshorensi layfovaya ayikho yimali. Oku lula ukulawula ngokucacileyo imisebenzi yabo ngurhulumente kunye nenkqubo reinsurance.

amathuba

Ukuze uhlale imali, kufuneka ukwazi zilahlwe ngendlela efanelekileyo. Kanti imali encinci singamiswa kwi-10%. Yenza intlawulo-inshorensi - elithetha ukuhlawula bona kuqala, kwaye ke ezinye inzuzo echazwe. Cash reserve ukunceda kule meko kakhulu.