Ndi inshuwalansi yanji ya olumala

Kodi ndinu wolumala ndipo mukufuna kudziwa inshuwaransi yomwe ili yoyenera kwa inu? m'nkhaniyi, ndikukuuzani inshuwalansi ya olumala. Inshuwaransi imatanthauza ntchito yomwe mwini inshuwalansi amachitira, kupyolera mu mgwirizano wa inshuwaransi, kuti apereke chithandizo chopindulitsa kwa munthu wina (wa inshuwaransi) pakachitika tsoka losinthana ndi malipiro a premium kapena zopereka. Kusankha chithandizo chaumoyo chifukwa banja lako ndi chinthu chimene chingakuchitikire.

Chiwopsezo ndi nkhani ya mgwirizano wa inshuwaransi. Inshuwaransi imatengedwa ndi munthu wa inshuwalansi kuti adziteteze ku zochitika zovulaza (matenda, kuvulala, moto, imfa, ndi zina zotero) kapena kuopsa kwa zinthu zina zomwe ali nazo (galimoto, nyumba, ndi zina zotero).

Chiwopsezo chikachitika, wopereka inshuwaransi ali ndi udindo wolipira phindu / chipukuta misozi mwa njira ya ndalama kwa omwe ali ndi inshuwaransi, mwachitsanzo, kwa munthu wina, komanso pankhani ya inshuwaransi ya moyo kwa opindula.

Chifukwa cha utumiki uwu, wa inshuwaransi amatolera ndalama zambiri kuchokera kwa inshuwaransi. Ndalamazi ndizofanana ndi mtengo wangozi ndi ndalama zogwirira ntchito za inshuwalansi.

Kontrakiti ya inshuwaransi iyenera kutengedwa ndi kampani yomwe ili ndi chilolezo chochita izi. Tikakamba za anthu, tikunena za banki kapena kampani ya inshuwaransi. Kulembetsa kumadutsa siginecha wa contract ya inshuwaransi.

⛳️ Zomwe muyenera kudziwa zokhudza anthu olumala

Munthu wolumala ndi munthu aliyense amene akudwala a odwala kapena ovutika kuchokera kulikonse. Ndi munthu aliyense amene ali ndi vuto lomwe lingayambitse kufooka kwakukulu komanso kosalekeza ndipo akhoza kukumana ndi zolepheretsa pakuchita ntchito za tsiku ndi tsiku.

Tanthauzo la mawuwa limagwira ntchito kwa onse, anthu, akazi kapena amuna, omwe ali ndi vuto linalake. Atha kukhala mwana, wamkulu kapena wamkulu.

Chilichonse chokhudzana ndi kulumala, chomwe chingakhale mota, malankhulidwe kapena chilankhulo, chowoneka, chanzeru, chomveka kapena chokhudzana ndi mphamvu zina zaumunthu.

Itha kulumikizidwa ndi magwiridwe antchito a organic, kapena kuchokera ku vuto la autism spectrum kapena kusagwira ntchito bwino. thanzi labwino. 

🌿 Chifukwa chiyani inshuwaransi?

Moyo wa munthu ungasinthiretu ngozi ikachitika. Kuvulala komwe amakumana nako kungakhale chifukwa cha kulemala kwakanthawi kapena kosatha, zomwe zimamuwonongera yekha.

Komabe, inshuwaransi ingakhale yothandiza kwambiri, makamaka kwa anthu amene achitapo kanthu kuti alembetse kale pangano la inshuwalansi.

Kulemala kwa wovulalayo kutha kuperekedwa ndi mitundu ingapo ya inshuwaransi, ngati kulumala sikubadwa mwangozi, komanso malinga ndi zomwe mgwirizano umapereka.

Lingaliro lachiwopsezo limayang'anira mfundo ya inshuwaransi, mwachitsanzo, kukhala pachiwopsezo chomwe chingakhale chowopsa, chomwe chimachitika muzochitika kapena zochitika zomwe munthu sakanatha kukumana ndi zovuta zachuma, zomwe zimagwirizana ndi katundu kapena anthu.

Ngoziyi imachitika ngati pali ngozi yomwe ingakhalepo yomwe imachokera kungozi. Choncho, chiopsezocho chimakhala chofotokozera bwino pamene chiwopsezo chadziwika, choncho, chikhoza kuchitika, koma sitikudziwa ngati chidzachitika komanso pamene chidzachitika.

 Inshuwaransi imagwirizana kwambiri ndi lingaliro la chiopsezo, ndizochitika mwachisawawa zomwe zimawopedwa ndi inshuwalansi chifukwa cha zotsatira zake zachuma. Ngoziyo idakhazikitsidwa pazikhalidwe 03:

• Tsogolo : Simungathe kusungitsa nyumba pambuyo poyaka moto
• Zosatsimikizika : sizingatheke kutsimikizira chiopsezo chomwe munthu ali wotsimikiza kuti chidzachitika pa tsiku lodziwika;
• Zosadzifunira : sitingathe kutsimikizira zowonongeka zomwe zachitika mwaufulu;

🌿 Mitundu yosiyanasiyana ya inshuwaransi yolemala

Pali 02 njira zazikulu za inshuwaransi za olumala:

🔰 Pension ya wopulumukayo yotengedwa ndi woyang'anira kapena kholo la munthu wolumala

mgwirizano

Mayi ndi/kapena bambo wa munthu wolumala, kapena mwachindunji kapena chikole mpaka digiri 3 wa munthu ameneyu, atha kulembetsa ku mgwirizano womwe cholinga chake ndi kukhala ndi kontrakitala kapena moyo annuity yolipiridwa kuti apindule ndi munthuyu, ngati atamwalira.

Mofananamo, okhometsa msonkho omwe amadalira munthu wolumala aliyense akhoza kutenga mgwirizano wa survival annuity kuti apindule nawo.

Magulu angapo a annuities amaperekedwa, ndalama zake zimawunikidwanso chaka chilichonse.

Zofunikira za mgwirizano wa annuity wa wopulumuka

Ndizofanana kwambiri ndi zomwe zimafunikira kuti munthu alembetse inshuwaransi yokhazikika:

• Palibe zaka zakubadwa kwa munthu wolumala, koma malire a zaka pafupifupi 60 kwa olembetsa;
• Mafunso azaumoyo komwe angapite mayeso azachipatala kwa olembetsa;
• Seoul mwana wolumala ndiye wopindula ;
• Wotsirizirayo ayenera kukhudzidwa, panthawi yosayina mgwirizano, ndi chilema chomwe chimamulepheretsa kugwira ntchito pansi pa zochitika zopindulitsa kapena, ngati ali ndi zaka zosachepera 18, sangathe kupeza maphunziro kapena malangizo omwe amatchedwa mlingo wabwinobwino.

Zopindulitsa penshoni ya wopulumuka

Kuphatikiza pa mfundo yakuti inshuwaransi ya survival annuity imapatsa mwana wamasiye wolumala ndalama zowonjezera, ili ndi zotsatirazi:

Zikachitika kuti wopindulayo amwalira, inshuwaransi ikhoza kubweza, kwa mthandizi wa inshuwaransi, ndalama zomwe zimalipidwa pa mgwirizano wa survival annuity. Malipiro a Survival annuity atha kulipidwa ndi ma khonsolo a ntchito, ndalama zapenshoni zowonjezera ndi mabungwe omwe amayang'anirana.

Malipiro a premium amatsegulidwa ufulu wochepetsera msonkho. Zobweza zolipiridwa kwa munthu wolumala zimangokhometsedwa pa ndalama zomwe amapeza pagawo la ndalama zake.

Inshuwaransi ya annuity ya Survivor sichoncho zimaganiziridwa powerengera msonkho wa cholowa (kupatula zopereka zomwe zaperekedwa pambuyo pa zaka 70 komanso kutengera kuchuluka kwa malipiro omwe amalipidwa mokwanira).

Zobweza sizimaganiziridwa pakuwunika kwa chuma cha munthu wolumala popereka ndalama zothandizira anthu olumala, ndalama zolipirira, ndalama zolipirira nyumba, zolipirira ana ang'onoang'ono, ndalama zabanja, zobwerera kusukulu, maphunziro. thandizo. Komanso ndalama zolipirira ndi zogona m'malo operekedwa ndi chithandizo cha anthu

Survival annuity akhoza kuphatikizidwa ndi penshoni zosiyanasiyana kuwonjezera, makamaka ponena za penshoni ya olumala ana amasiye akuluakulu (ogwira ntchito za boma kapena asilikali, ndalama zapenshoni zowonjezera).

Zimaganiziridwa powerengera ndalama zapadera zaukalamba, ndalama zowonjezera. Zomwezo zimagwiranso ntchito pa malo ogona kumalo olandirira alendo pansi pa chithandizo cha anthu okalamba.

🔰 Kusungirako kulemala

Mgwirizano wosungira anthu olumala

Mgwirizano wosungira anthu olumala amalembedwa ndi munthu mwiniyo ngakhale athandizi atha kutenga nawo mbali pazosungazi, payekha kapena ndi mgwirizano wamagulu.

Mlandu wa moyo wa mgwirizano wa inshuwaransi: mgwirizano uyenera kutsimikizira kwa inshuwaransi kulipira likulu kapena moyo annuity.

zokwaniritsa

Nthawi ya mgwirizano iyenera kukhala zosakwana zaka 6 (nthawi yeniyeni). Munthu wolumala sayenera kukhala wazaka zovomerezeka.

Ayenera kukhudzidwa, panthawi yomwe amasaina mgwirizano, ndi zofooka zomwe, pansi pa zochitika zopindulitsa, zimamulepheretsa kugwira ntchito ngati ali ndi vuto. pansi pa 18.

Ubwino Wosungirako Anthu Olemala

Kulipiridwa kwa premiums zopulumutsira olumala kumatsegulidwa ufulu wochepetsera msonkho kwa omwe amatchedwa okhometsa misonkho olumala, chifukwa chake sizimaganiziridwa pozindikira denga la AAH. Life annuity imabwera kuchokera ku chisankho, PEP silikhomedwa msonkho uliwonse.

Ndalama zonse za penshoni zomwe zimaperekedwa pa mgwirizano wosungira anthu olumala sizimaganiziridwa kupyola ndalama zinazake pachaka, powerengera ndalama zothandizira anthu olumala.

Iwo ndi kuwonjezera angapo penshoni amene ali pansi pa mfundo ya kugonjera, makamaka penshoni kwa olumala amasiye akuluakulu (ndalama za penshoni, antchito aboma kapena asirikali).

Amagwiritsidwa ntchito kuwerengera ndalama zaukalamba ndi ndalama zowonjezera, ndi chithandizo cha chithandizo cha anthu okalamba pakakhala malo ogona.

Tikhoza kukumbukira kuti anthu olumala amapindula ndi mitundu iwiri ya inshuwalansi: survivor's annuity ndi zosungitsa olumala. Mtundu uliwonse wa inshuwalansi uli ndi ubwino ndi kuipa kwake. Zili ndi inu.

⛳️Mafunso

Funso: N’chifukwa chiyani kuli kofunika kuti anthu olumala akhale ndi inshuwalansi inayake?

R: Anthu olumala amatha kukumana ndi mavuto apadera azaumoyo komanso thanzi.

Inshuwaransi yeniyeni ya anthu olumala ikhoza kupereka chithandizo chogwirizana ndi zosowa zawo zenizeni, monga chithandizo chamankhwala, zothandizira kuyenda ndi kusintha kwapakhomo.

Q: Ndi chithandizo chanji chomwe chili chofunikira mu inshuwaransi ya olumala?

R: Inshuwaransi yabwino kwa anthu olumala iyenera kuphatikizapo chithandizo cha olumala, chisamaliro cha nthawi yaitali, chisamaliro cha odwala, ndi zothandizira kuyenda.

Ndikofunikiranso kuyang'ana ngati ndondomekoyi ikulipira ndalama zokhudzana ndi kusintha kwa nyumba, zipangizo zapadera zachipatala ndi chithandizo chofunikira.

Q: Kodi ndingapeze bwanji inshuwalansi yabwino kwambiri ya anthu olumala?

R: Kuti mupeze inshuwaransi yabwino kwambiri ya anthu olumala, tikulimbikitsidwa kugwira ntchito ndi mlangizi wa inshuwaransi yemwe amagwira ntchito m'derali.

Adzatha kuyesa zosowa zanu zenizeni, yerekezerani zosankha zosiyanasiyana zomwe zilipo pamsika ndikukuthandizani kusankha ndondomeko yomwe ikugwirizana ndi zosowa zanu ndi bajeti.

Q: Ndi malingaliro otani azachuma omwe akuyenera kupangidwa posankha inshuwalansi ya olumala?

R: Posankha inshuwaransi yolemala, ndikofunikira kuganizira mtengo wamalipiro, ma deductibles ndi malire achitetezo.

Ndikofunikiranso kuwona ngati ndondomekoyi ikupereka njira zolipirira zosinthika kapena kuchotsera kwa anthu olumala.

Q: Ndizinthu zina ziti za inshuwaransi zomwe zimapezeka kwa anthu olumala?

R: Kuphatikiza pa ndondomeko za inshuwaransi zachikale, pali mapulogalamu a boma ndi mabungwe osapindula omwe angapereke thandizo lina la inshuwalansi kwa anthu olumala.

Ndibwino kuti mufufuze ndi mabungwe a anthu ammudzi kapena magulu othandizira olumala kuti mudziwe zambiri zazinthuzi.

Mayankho onsewa angakuthandizeni kumvetsetsa zinthu zina zofunika kuziganizira posankha inshuwalansi ya anthu olumala. Komabe, nthawi zonse ndikwabwino kukaonana ndi mlangizi wa inshuwaransi kuti akupatseni upangiri wamunthu malinga ndi momwe mulili.

Tinamaliza ndipo ndikuyembekeza kuti pamapeto pa kuwerenga kwanu, mwapeza njira yothetsera vuto lanu. Koma musanachoke, nayi Kodi adachita ndalama ndi zomwe adakumana nazo pa intaneti?