Rate inshorensi

iindleko ze-inshorensi kweenkonzo kuboniswe isixa insurance premium (imali). Imbasa - ixabiso kwiinkonzo yeinshorensi, ubophelelekile ukuba ibonelele isiganeko ebhalisiweyo kwi contract lomcimbi. Oku kusekelwe kumyinge tyaba (okanye irhafu).

Izinga inshorensi - libekwe kwiqondo engange esiqendu, nto leyo luhlawulwe iyunithi kubalwa inshorensi.

Umvuzo kufuneka kangangokuba yayikhathula amabango zeinshorensi kunokwenzeka, kwaye ukudala oovimba ukuhlawula iindleko yenkampani yokwenza ushishino, kwakunye nokunika ingeniso.

Ixabiso kweenkonzo inshorensi kuxhomekeke ifunwa kakhulu kwaye umyinge wenzala kwiidipozithi zebhanki. Njengoko kuchaphazela isakhiwo kwesikhundla inshorensi (iseti lweengozi) kunye neendleko zolawulo.

Ukuba rates inshorensi zibekwa ngumthetho (embindini), ngokuzithandela izinga inshorensi kungabalelwa yi-inshorensi, ngexesha elifanayo osichaphazela kakhulu uzinzo lwemali imisebenzi inshorensi.

Rates zibalwa kusetyenziswa iindlela zamanani kunye zemathematika, ezaziwa ngokuba izibalo actuarial. Amvumela ukuba ukujonga umlinganiselo zeinshorensi kwi fund inshorensi jikelele. Khetha i nkqubo ngokusekelwe kwi risk benefits, ixesha, uhlobo kunye neebhonasi.

izinga inshorensi epheleleyo ngokuqhelekileyo ngokuba "isantya gross". Siqulathe umnatha-rate kunye umthwalo. izinga Net iquka izinga yingozi (fund-inshorensi) kunye nesibonelelo yingozi (fund reserve). Le umthwalo ibandakanya iindleko zokwenza ushishino (ingeniso) kunye nokubonelela amanyathelo othintelo.

Izinga Net - oku ke inxalenye yentlawulo, nto leyo ngqo kuseko loovimba lweentlawulo elizayo phezu kukuvela iziganeko-inshorensi. Ngenxa nokubheja kuyingozi zifakiwe yavelisa ukusekwa loovimba eentlawulo-inshorensi. fund Reserve, obuyiyile ngokuxhaphaza premiums umngcipheko, kuyimfuneko iimeko inani lamatyala ezingaphezu iintlawulo zokuhlala.

Umthwalo ngokuba isabelo-mali esele ifakiwe kule izinga inshorensi ukuba sihlawule iindleko zokwenza ushishino, ukuyilwa yenzuzo kunye nokudalwa Fund-inshorensi lokuthintela.

Insurance lwenziwa mhlawumbi ngabanye okanye ngendlela ehlangeneyo. Kwimeko yokugqibela, ukubala lwenziwa kwisikimu ibhaso lula ngokususela kwidatha avareji.

izinga inshorensi kwiindidi umngcipheko (ngaphandle inshorensi yobomi) zibalwa ngokusekelwe manani okanye olunye ulwazi uhlobo oluthile lwe-inshorensi.

-Inshorensi Intlawulo yobomi rate net uzimisele ngendlela eyahlukileyo, ezisekelwe phezu kwetafile. rate Gross lufake ingxenye isiseko (rate net) bazilayishe ukuhlawula iindleko zokwenza ushishino. Ireyithi net kwakhona Yenziwe ngamacandelo amabini - imali yokugcina kwaye izinga lomngcipheko (intlawulo kwimeko ukufa).

amazinga inshorensi kuba CTP ziya kusetwa ndaweninye ngurhulumente waseRashiya, oko kukuthi, ziyafana kuzo zonke iinkampani ze-inshorensi. Oku kuthetha ukuba ukwazi iirhafu yangoku inshorensi imoto yogunyaziso, izakubonisa ababambi bendawo ukubala iindleko ye-nkqubo ukuba isivumelwano ethile inshorensi. Kufuneka Makukhunjulwe ukuba, ukongeza kwixabiso, nezinye izinto ezininzi nachaphazela ixabiso le nkqubo, ezifana ubudala lomqhubi; amava uqhuba; inani labantu abazinikeleyo ukulawula; kulo mmandla; iimpawu zezithuthi, njl Iirhafu kwimo inshorensi bendawo kuxhomekeke ukuba kwakukho amatyala kwimbali ukuqhuba olungxamisekileyo. Ngaloo ndlela CTP ifomula iquka izinga isiseko liphindaphindwe okuza zayo ezahlukeneyo okulungisa.

Umgaqo-nkqubo woluhlu lweerhafu iinkampani ze-inshorensi isekelwe kule mithetho siseko ilandelayo. Lo mgaqo imisebenzi self-waza inzuzo yabo, ulingano unxulumano inshorensi phakathi onke amaqela avumelene amazinga ngokufumaneka kumntu wonke kunye nozinzo wabo ixesha elide.