Zvaunofanira kuziva nezve inishuwarenzi

Tose tinoda kuchengetedzwa kwemari zvedu isu nemhuri dzedu. Tinoziva kuti kuva neinishuwarenzi kunogona kutibatsira kuisa pamwechete chirongwa chakasimba chemari. Zvakadaro vazhinji vedu hatinyatso funga nezve inishuwarenzi.

Kazhinji, hatifungi nezve njodzi uye zviitiko zvisingafanoonekwi zvatinotarisana nazvo zuva nezuva. Zvingadaro zvakare nekuti isu hatizive zvakawanda nezve inishuwarenzi. Mazuvano, kune inishuwarenzi yemunhu wese. Kunyangwe uine vana vakaremara, pane a inishuwarenzi yevana vakaremara ava.

Kusiyana nemafungiro akadai, zvisinei nehutano hwedu, mamiriro edu emari kana hunhu hwedu semutyairi, tese tinoda inishuwarenzi. Izvi zvinongodaro nekuti inishuwarenzi inoshanda seyakachengeteka iyo inokudzivirira iwe nemhuri yako mune zvemari kana machipisi ari pasi.

Muchikamu chino tichataura pamusoro pezvose pamusoro peinishuwarenzi. Isu tinopa marudzi akasiyana einishuwarenzi uye kukosha kwawo pahupenyu hwedu. Asi chekutanga, heino ebook rangu iro rinokutendera iwe kuti unzwisise zviri nani manejimendi emari yako wega.

✔️ Chii chinonzi inishuwarenzi?

Pfungwa yeinishuwarenzi iri nyore kunzwisisa. Iwe unobhadhara mari yemwedzi kana yegore kune kambani yeinishuwarenzi chengetedza hupenyu hwako, hutano hwako, mota yako, pfuma yako, nezvimwe. kwenguva yakati. Mukudzoka, inshurensi inovhara kukuvadzwa kwemari muchiitiko chekukuvara kwakakonzerwa kumunhu kana chinhu chakaiswa inishuwarenzi.

Naizvozvo unoendesa njodzi yekurasikirwa nemari yaungaite nekuda kwekusagadzikana kwehupenyu kukambani yeinishuwarenzi nemubhadharo diki. Somuenzaniso, kana waita tsaona yemotokari uye uchida kuendeswa kuchipatara.

Inishuwarenzi yako yehutano inobhadhara mari yekurapa yekuchipatara. Uye, yako auto inishuwarenzi ichabhadhara kukuvadza kumota yako. Panguva ino, kana ukafa mutsaona, mhuri yako ichawana chitsama cheinishuwarenzi yako yenguva.

Kubva kuhunyanzvi kusvika kumhuka dzinovaraidza, kune inishuwarenzi iripo yezvinhu zvakati wandei, uye munhu anofanirwa kuwana inishuwarenzi zvinoenderana nezvavanoda uye zvavanokoshesa.

✔️ Kukosha kweinishuwarenzi

Sezvatakataura pakutanga, vanhu vazhinji vanofunga nezveinishuwarenzi se mari isingakodzeri. Chikonzero ndechokuti tine chivimbo nezveramangwana redu uye kukwanisa kwedu kurarama nemamiriro ezvinhu asati amboitika.

Asi pane musiyano mukuru pakati pezvatinofunga nezvatinogona uye chokwadi. Somuenzaniso, makore mashoma ekuchengetedza anogona kunyangarika muchiitiko chekukurumidzira kwekurapa. Uyu unongova muenzaniso mumwe chete. Heano zvikonzero zvitatu nei kuwana inishuwarenzi kwakakosha

#1: Inishuwarenzi inopa kugadzikana kwemari kumhuri

Hazvina mhosva kuti wakakwanisa kuchengetedza zvakadii kana kuti mari yaunowana pamwedzi ndeipi, chiitiko chisingatarisirwe chinogona kupisa gomba rakakura muhomwe yako kana kungoisa ramangwana remhuri yako munjodzi.

Semuyenzaniso, kana usina inishuwarenzi youpenyu yakakwana, mhuri yako ingatarisana nenhamo yemari kudai waizotarisana norufu rusingakarirwi. Kunyange zvazvo pasina chitsama chemari chinogona kutsiva kurasikirwa navadiwa, inishuwarenzi youpenyu yaizovaponesa panhamo yemari.

Zvichakadaro, kana iwe kana mhuri yako musina inishuwarenzi yehutano yakakwana, mabhiri makuru ekurapa panguva yekurapwa anogona kuzunguza mari yako zvachose. Naizvozvo zvakakosha kuti uve nechokwadi chekuti iwe nemhuri yako mune huwandu hwakaringana hweinishuwarenzi.

#2: Inishuwarenzi inounza runyararo rwepfungwa

Mari yaunobhadhara kukambani yeinishuwarenzi ndeye mutengo unovimbisa kuti kambani yeinishuwarenzi ichavhara kukanganisa kana chiitiko chisingatarisirwi. Uye, iyi vimbiso yekuti njodzi yako yakavharwa inopa rugare rwepfungwa.

Somuenzaniso, fungidzira kuti unofa rufu rusingatarisirwi panguva yauchiri nematanho akati wandei ekuita sedzidzo yevana, wanano yavo, korasi yepenjeni yemumwe wako nezvimwe. Kunewo chikwereti chakafanana neremba.

Kufa kwako kusingatarisirwi kunogona kuisa mhuri yako mumamiriro ezvinhu akaoma. Asi, dai wakatenga inishuwarenzi yenguva uchifunga nezvese zvinhu izvi, mhuri yako yaizokwanisa kupfuura munguva dzakaoma.

#3: Inishuwarenzi inoderedza kushushikana munguva dzakaoma

Hazvina mhosva kuti unoedza zvakadini kuvandudza hupenyu hwako, chiitiko chisingatarisirwi chinogona kuzunungusa zvinhu zvachose, zvichikusiya iwe mumuviri, mupfungwa, uye mune zvemari.

Kuva neinishuwarenzi yakakwana kunobatsira mupfungwa yekuti iwe haufanirwe kufunga nezve mari panguva yakaoma kudaro uye unogona kutarisa kupora.

Somuenzaniso, Ngatitii iwe kana nhengo yemhuri yakabatwa nehosha yemwoyo uye inoda kurapwa nekukurumidza. Kurapwa kwakadai muzvipatara zvakanaka kunogona kudhura ma laks.

Saka kuve neinishuwarenzi yehutano mune iyi kesi inokuchengetedza iwe kunetseka uye kushushikana kwekuronga mari. Neinishuwarenzi iripo, chero kunetseka kwemari kuchachengetwa uye iwe unogona kutarisa pakupora kwako.

✔️ Mhando dzakasiyana dzeinishuwarenzi

Zvitatu zveinishuwarenzi ndizvo zvinonyanya kuzivikanwa.

#1. inishuwarenzi yehupenyu

Inishuwarenzi yehupenyu inochengetedza mhuri yako mune zvemari muchiitiko chekufa nguva isati yakwana. Hezvino mashandiro ayo. Iwe unobhadhara mari yenguva dzose kukambani yeinishuwarenzi kwemakore akati wandei. Mukudzoka, kambani yeinishuwarenzi inobhadhara mari yeinishuwarenzi kumhuri yako kana ukafa panguva yechibvumirano.

Iyo inshuwarisi inogadza munhu mumwe chete kana kupfuura (mubatsiri / vanobatsirwa) vanozogamuchira rubatsiro rwekufa sezvinoratidzwa mumutemo. Mari yerufu kana kubatsirwa haina mutero.

Kune marudzi maviri einishuwarenzi yehupenyu:

• Chinguva

Inopa kuvharwa kwenguva yakati. Kana iyo inshuwarisi inofa panguva yekuvhara (uye ma premium anobhadharwa), uyo anobatsirwa anogamuchira rubatsiro rwekufa sezvinotaurwa mumutemo.

Kuvhara kunopera panguva yakatarwa. Inogona kuvandudzwa mushure menguva, zvisinei, iyo premium inogona kuwedzera sezvo maprimiyamu anogona kuenderana nezera reinishuwarenzi.

• Permanent

Inovhara iyo inshuwarisi muhupenyu hwake hwose (kunze kwekunge iyo inshuwarisi isingabhadhare mapremium). Kune marudzi maviri:

Inishuwarenzi yehupenyu hwese - izvi zvinovimbisa kuti maprimiyamu ako haashanduke kana wakura. Iri rudzi rweinishuwarenzi rine mari yakavimbiswa shoma uye inovimbiswa kufa kwemari.

Inishuwarenzi yehupenyu hwese - icho chigadzirwa chinosanganisa inishuwarenzi yehupenyu nekudyara.

#2. Inishuwarenzi yehutano

Inishuwarenzi yehutano inogona kubatsira kubhadhara mari yekuchengetedza hutano. Mamwe marudzi anogona kuwedzera mari yako kana iwe uchirwara nechirwere chakakomba kana kukuvara. Dzimwe mhando dzinogona kubhadhara mari dzekurapa kana ukarwara uri pazororo.

Heano mamwe marudzi einishuwarenzi yehutano:

• Completementary health insurance
• Inishuwarenzi yekuremara
• Inishuwarenzi yezvehutano yekufamba
• Chirwere Chinokosha kana Trauma Inishuwarenzi
• Inishuwarenzi yenguva refu yekuchengetedza

#3. General Inishuwarenzi

Inishuwarenzi yemidziyo inovhara kurasikirwa kana kukuvadzwa kweimba yako kana pfuma yako, mota kana bhizinesi. Property and casualty insurance inodzivirira ane inshurensi kubva pamhosva yepamutemo yekurasikirwa kunokonzerwa nekukuvara kune vamwe vanhu kana kukanganisa kwezvinhu zvevamwe.

Heano mamwe marudzi e general insurance:

• Inishuwarenzi yepamba kana yemidziyo
• Inishuwarenzi yeroja kana roja
• inishuwarenzi yemotokari
• Inishuwarenzi yemhosva
• Accident Benefits/Personal Injury Insurance
• Collision insurance
• Back to back insurance
• Business Inishuwarenzi
• Commercial property insurance
• Inishuwarenzi yemhosva
• Mhosho uye inishuwarenzi yakasiiwa

✔️ Mafungiro Akakosha muInishuwarenzi

Mapurisa - chibvumirano chepamutemo pakati pako neinishuwarenzi. Inotsanangura kuti ndedzipi njodzi dzinofukidzwa, pasi pemamiriro api iyo inshurensi ichakubhadhara iwe, imarii mari uye rudzii rwerubatsiro rwauchagamuchira kana ukaita kudai.

Policyholder - munhu ane inishuwarenzi kana munhu akafukidzwa nepolicy.

nhau - huwandu hwekuvhara hwawakatenga. Iyi ndiyowo mari yakawanda iyo kambani yeinishuwarenzi ichakubhadhara iwe kana iwe ukaita chirevo chekurasikirwa kana chiitiko chakavharwa nemutemo wako.

Benefit - mari iyo inshurensi ichakubhadhara iwe kana inshurensi ikabvuma kuda kwako.

Prime - mari yaunobhadhara kune inishuwarenzi.

Surrender value - iyi ndiyo mari iyo inshuwarisi inobhadhara muridzi wepolicy kana inshuwarisi yehupenyu yakabviswa. Inogonawo kuva mari yakawedzerwa kune rubatsiro rwekufa uye inogona kubhadharwa parufu rweinishuwarenzi. Izwi iri rinoshandiswa nemainshuwarisi ehupenyu husingaperi.

Rufu rubatsiro - iyo mari iyo inshurensi ichabhadhara kune anobatsirwa (ies) parufu rweinishuwarenzi.

Chirevo - ichi ndicho chiziviso chepamutemo kune inshuwarisi yako kuti ibhadharwe kurasikirwa kana chiitiko chakavharwa neinishuwarenzi yako.

Mubatsiri - uyu ndiye munhu kana sangano rinogadzwa kana kusarudzwa nemunhu ane inishuwarenzi kuti agamuchire mari yepolicy. Munhu anobatsirwa anogona kuregererwa (anogona kuchinjwa chero nguva pasina kuzivisa mubatsiri) kana kusagadziriswa (haagone kuchinjwa pasina mvumo yakanyorwa yemubatsiri).

kodzero - mari yaunobvumirana kubhadhara muitisi weinishuwarenzi asati abhadhara zvimwe.

Exclusions - zvinhu zvisina kuvharwa nepolicy yako. Semuenzaniso, mamwe mainishuwarenzi ehutano anogona kusabvisa mamwe mamiriro ekurapa awaive nawo usati wanyorera inishuwarenzi, kana inishuwarenzi yekufamba inogona kusabvisa zvichemo kana uri kuenda kunyika ine njodzi.

Ichi ndicho chikonzero zvakakosha kuti uverenge gwaro rako zvakanyatsonaka kuti utarise zvarinovhara uye zvarisingafukidze kuitira kuti pasave nekushamisika paunenge uchiita kudai.

Njodzi - mukana kana mukana wekuti chiitiko cheinishuwarenzi, senge kurasikirwa, kukuvara kana kufa, zvichaitika apo mutemo uchiri kushanda.

Endorsement - ichi chirevo kana izwi rakawedzerwa kune yako inishuwarenzi mutemo kuti upe dziviriro. Izvi zvine imwe mari yekuwedzera nekuti inovhara njodzi dzisina kuvharwa neiyo basic policy.

Terme - iyo nguva yaunofukidzwa nepolicy yako.

✔️ FAQ

Mubvunzo: Chii chinonzi inishuwarenzi?

A: Inishuwarenzi chibvumirano pakati pemunhu kana bhizinesi nekambani yeinishuwarenzi. Mukutsinhana kwekubhadhara mari yepamusoro, kambani yeinishuwarenzi inobvuma kupa muripo muchiitiko chekuda kana kurasikirwa kwemari.

Mubvunzo: Ndeapi marudzi einishuwarenzi anowanikwa?

A: Kune marudzi akawanda einishuwarenzi aripo, anosanganisira: inishuwarenzi yemotokari, inishuwarenzi yepamba, inishuwarenzi yehupenyu, inishuwarenzi yehutano, inishuwarenzi yekufamba, inishuwarenzi yemhosva, inishuwarenzi yekuremara, inishuwarenzi yebhizinesi, inishuwarenzi yezvipfuyo, nezvimwe.

Mubvunzo: Maitiro ekutsvaga inishuwarenzi anoshanda sei?

A: Kana iwe uchitambura kurasikirwa kwakafukidzwa neinishuwarenzi yako, unofanirwa kubata kambani yako yeinishuwarenzi kuti utaure kurasikirwa uye wotanga maitiro ekukumbira.

Iwe unozofanirwa kupa ruzivo pamusoro pekuda uye kurasikirwa kwakaitika. Kambani yeinishuwarenzi inozoongorora kukanganisa uye kuona huwandu hwemuripo.

Mubvunzo: Ungasarudza sei inishuwarenzi yakakodzera?

A: Kusarudza inishuwarenzi yakakodzera, zvakakosha kufunga nezve zvaunoda uye bhajeti.

Iwe unofanirwawo kuenzanisa sarudzo dzakasiyana dziripo mumusika, uchiongorora mitengo yeprimiyamu, deductibles uye miganho yekuvhara. Zvinokurudzirwa kutaura kune inishuwarenzi chipangamazano kune iwe pachako zano.

Q: Ndezvipi zvakanakira uye zvakaipira inishuwarenzi?

A: Inishuwarenzi inogona kupa dziviriro yemari muchiitiko chenjodzi kana kurasikirwa. Zvisinei, dzinogonawo kudhura uye dzinogona kusavhara marudzi ese ekurasikirwa.

Zvakakosha kuti unzwisise zvirevo uye mamiriro einishuwarenzi yako usati watenga inishuwarenzi.

Mubvunzo: Ndingachengetedza sei mari yangu yeinishuwarenzi?

A: Kuti uchengetedze pamari yeinishuwarenzi yako, unogona kufunga nezvekuwedzera mari yako yauchabvisirwa, kubatanidza mainishuwarenzi akawanda kubva kune imwe kambani, kutarisa muzvirongwa zvekudzikisira vatyairi vakanaka kana dzimba dzakashongedzerwa negadziriro yekuchengetedza, kana kufonera bhuroka reinishuwarenzi kuti vataurirane nezvemitengo yemakwikwi. .

✔️ Muchidimbu

Iva neinishuwarenzi - hupenyu, hutano uye mutoro wevanhu - chinhu chakakosha chekuronga mari. Izvi zvinogona kukuponesa kubva kumatambudziko emari kana zviitiko zvisingafanoonekwi.

Nekudaro, sarudzo yekutenga inishuwarenzi inofanirwa kutariswa nezvinhu zvitatu: zvinodiwa, mabhenefiti aunowana kubva kupolicy, uye kugona kwako kubhadhara mari yacho. Usati waenda, heino premium kudzidziswa iyo inokutendera iwe kuti udaro kuvaka bhizinesi rako online.