Inishuwarenzi shoma

Inishuwarenzi shoma chinomirira vachibhadharisa pakuchinja inishuwarenzi, vakabhadhara nemhaka mutemo panyaya rokubva inishuwarenzi kana inishuwarenzi nokuzvidira pasi chibvumirano chibvumirano, hwaishandiswa vanoumba inishuwarenzi Fund.

The inishuwarenzi shoma sezvo pfungwa, namarudzi kugutsikana, ane anokuzviratidza matatu:

• pamutemo - richiratidzwa yakati pre-mari kuita inishuwarenzi, izvo kunosimbiswa chibvumirano inishuwarenzi akapedzisa pakati mapato;

• zvoupfumi - mabasa as a inorwara mari yenyika dzinounzwa kuna insured, kuti rive nechokwadi chekuenderera zvavanofarira pashamwari kana kuti pamamiriro Migumisiro yaivhuvhuta zviitiko zvinobvira (nyaya inishuwarenzi);

• pamasvomhu - runoratidzwa muchimiro yokudzokorora. nenguva dzirikure kubhadhara kuti insurer pedyo insured.

Mari mabasa inishuwarenzi unoratidzwa mari inobhadharwa nokuda policyholder kuti insurer rweinishuwarenzi shoma, ndiko kuti, nemamwe mashoko, ndiyo kukosha mabasa insurer kwakaita navo kuti nemhosva iri chiitiko chimwe chiitiko insured. The kukarukureta of inishuwarenzi shoma chinoitwa maererano inishuwarenzi mutero. Mitemo zvazvingava inishuwarenzi rinorondedzerwa so mwero inishuwarenzi shoma kuti inishuwarenzi chinhu ari kana mari insured chikwata.

The inishuwarenzi shoma anofanira kuva ukoshi yakakwana kuti:

• pabutiro aitarisira kutaura kusvikira nguva yacho inishuwarenzi;
• pakusikwa reserves inishuwarenzi;
• kufukidza mari inishuwarenzi makambani ari munyika mufambiro nhau;
• nechokwadi imwe purofiti kumucheto.

Kuti chikamu riri kuumbwa tichiregeredza pamusoro pavane inishuwarenzi zvakagadzirirwa chete vachibhadhara inishuwarenzi, inonzi mumbure shoma chete, zvainanga kuita inishuwarenzi kufukidza zvaidiwa insurer - mutoro. Net shoma, saka ndiyo mari inishuwarenzi, dzakakudzingai mari yacho review, zvinowanikwa paImba insurer. Kutaura zvazviri, inishuwarenzi shoma - mubatanidzwa mambure shoma vachizvitakudza, zviri kunzi chakakomba shoma.

Mhando inishuwarenzi shoma

Various hwokugadzira zvinhu zviri shoma inozivikanwa pfungwa yakasiyana.

By kugadzwa rakakamurwa:

• pangozi shoma, chinangwa kufukidza ngozi;

• yokuchengetera zvinhu kubhadhara, izvo zviri zvibvumirano inishuwarenzi youpenyu uye zvinovhara policyholder kubhadhara kana nguva inishuwarenzi anofa;

• mambure shoma, inotaura kubhadhara inishuwarenzi kwenguva chaiyo nguva pane imwe mhando inishuwarenzi ;

• nomupiro zvakakwana akaenzana uwandu mutoro uye mambure premiums, izvo zvinosanganisirwa mari yacho insurer;

• mutero zvazvingava insurer zvinosanganisira mipiro zvakakwana uye premiums hunodiwa kufukidza mari chokuita siyana matanho, kusimudzirwa uye okushambadza, uye zvimwe.

By yezvakaita inishuwarenzi ngozi shoma iri Classified kupinda dzinongoitika, anofukidza ngozi chaiyo munguva, uye yatarwa handishanduki pamwe nguva, ari kugara.

Inishuwarenzi premiums vakakamurwa maererano chimiro mubhadharo kuti:

• bundu Muchidimbu, iro zvakazara vaibhadhara insured panguva inishuwarenzi pachine;

• kuitika muripo - ndizvo zvimwe chikamu chimwe-nguva shoma, nokuti chikamu wazvipira kwakaita insured panyaya insurer;

• Chokunyora mubayiro - mukanyiwa pakuverengwa Award kuti pagore yakakamurwa, izvo inorangarira kwoupfumi mikana insured, uye, akavapindurawo, angadzorwa rakakamurwa mwedzi nomwedzi, Quarterly, semiannual (zvienzane zvikamu).

Inishuwarenzi premiums inogona kupatsanurwa vo pamusoro muripo nguva, kufunga kwavo pakuenzanisa Pepa kambani yacho inishuwarenzi uye chikuru.