Ndeipi insurance policy yevakaremara

Wakaremara uye unoda kuziva kuti ndeipi inishuwarenzi yakakodzera iwe? munyaya ino, ndinokuudza nezvazvo inishuwarenzi yekuremara. Inishuwarenzi inoreva kushanda uko muridzi weinishuwarenzi anoita, kuburikidza nechibvumirano cheinishuwarenzi, kupa sevhisi yekubatsira kune mumwe munhu (iye anoiswa inishuwarenzi) pakuitika kwechiitiko chinosuruvarisa mukutsinhana kwekubhadhara kwemutengo wepamusoro kana mupiro. Kusarudza hutano hwehutano nokuti mhuri yako ndicho chinhu chingaitika kwauri.

Ngozi iripo nyaya yekondirakiti yeinishuwarenzi. Inishuwarenzi inotorwa nemunhu ane inishuwarenzi kuti azvidzivirire pazviitiko zvinokuvadza (kurwara, kukuvara, moto, rufu, nezvimwewo) kana njodzi kune zvimwe zvinhu zvaanazvo (mota, imba, nezvimwewo).

Kana njodzi ikaitika, inshuwarisi ane chisungo chekubhadhara rubatsiro / mubhadharo nenzira yemari kune inshuwarisi, kureva kune wechitatu, uye mumamiriro ezvinhu einishuwarenzi yehupenyu kune vanobatsirwa.

Nekuda kwebasa iri, iyo inishuwarenzi inounganidza premium kubva kune insured. Iyi mari yakaenzana nemutengo wengozi uye mari yekushandisa yeinishuwarenzi.

Kondirakiti yeinishuwarenzi inofanirwa kutorwa nekambani inotenderwa kuita chiitiko ichi. Kana tichitaura nezve nzanga, tiri kureva bhangi kana kambani yeinishuwarenzi. Kunyoreswa kunopinda kuburikidza nesaini yechibvumirano cheinishuwarenzi.

⛳️ Chii chaunofanira kuziva nezve vanhu vakaremara

Munhu akaremara munhu chero upi zvake ane vasina simba kana varombo kubva kupi zvako. Ndiwo chero munhu ane hurema izvo zvinogona kutungamira mukusakwanisa kwakakosha uye kunoramba kuripo uye anogona kusangana nekusagona kuita mabasa ezuva nezuva.

Tsanangudzo yezwi iri inoshanda kune vese, vanhu, vakadzi kana varume, vane dambudziko rakati. Inogona kuva mwana, mukuru kana mukuru.

Chese chine chekuita nekuremara, chingava mota, kutaura kana mutauro, zvinoonekwa, zvenjere, zvekunzwa kana zvinoenderana nedzimwe pfungwa dzevanhu.

Inogona kubatanidzwa kune organic mabasa, kana kutobva kune autism spectrum disorder kana kusashanda kwe Hutano hwepfungwa. 

🌿 Sei inishuwarenzi?

Upenyu hwomunhu hunogona kuchinja zvachose mushure mokunge tsaona yaitika. Kukuvara kwaanotambura kunogona kukonzera kuremara kwechinguvana kana zvachose, zvichimusiya aparara zvachose ari oga.

Zvakadaro, inishuwarenzi inogona kubatsira zvikuru, kunyanya kune vanhu vakatora danho rekunyorera kondirakiti yeinishuwarenzi zvisati zvaitika.

Hurema hwemunhu akabatwa hunogona kuvharwa nemhando dzinoverengeka dzeinishuwarenzi, kana hurema husiri hwekuzvarwa asi hwakabva netsaona, uye zvinoenderana nezvinopiwa nekondirakiti.

Pfungwa yenjodzi iri pasi pemusimboti weinishuwarenzi, kureva chokwadi chekuratidzwa kune njodzi inogona kuitika, inowanikwa muchiitiko kana mamiriro ezvinhu uye izvo munhu aisakwanisa kutarisana nemhedzisiro yemari, kuti zvine hukama nezvinhu kana vanhu. .

Tsaona inoitika kana paine njodzi inogona kuitika iyo pachayo inobva munjodzi. Nokudaro, njodzi inova inotsanangurwa zvakakwana kana njodzi yaonekwa, saka, inogona kuitika, asi isu hatizivi kana ichaitika uye kuti ichaitika rini.

 Inishuwarenzi yakanyatsobatanidzwa nepfungwa yengozi, chiitiko chisina kujairika chinotyiwa neinishuwarenzi nekuda kwemhedzisiro yayo yemari. Iyo njodzi yakavakirwa pane 03 maitiro:

• Ramangwana : haugone kuchengetedza chivakwa mushure memoto wacho
• Izvo zvisina chokwadi : hazvibviri kuisa inishuwarenzi njodzi iyo munhu ane chokwadi kuti ichaitika pazuva rinozivikanwa;
• The involuntary : hatigone kuchengetedza kukanganisa kunokonzerwa nekuzvidira;

🌿 Mhando dzakasiyana dzeinishuwarenzi yekuremara

Pane 02 mainsurance formulas yevakaremara:

🔰 Penjeni yemunhu anenge ararama inotorwa nemuchengeti kana mubereki wemunhu akaremara

chibvumirano

Amai uye/kana baba vemunhu akaremara, kana chero akananga kana rubatso kusvika ku3rd degree zvemunhu uyu, anogona kunyorera kondirakiti ine chinangwa chekuti pave nechitsama kana kuti life annuity ibhadharwe kubatsira munhu uyu, kubva parufu rwake.

Saizvozvo, vateresi vanovimba nemunhu wese akaremara vanogona kutora chibvumirano chekurarama annuity kuitira kubatsira kwekupedzisira.

Zvikamu zvinoverengeka zveannuities zvinopihwa, iyo mari inoongororwazve gore rega rega.

Zvisungo zvekondirakiti yeakapona annuity

Yakafanana zvakanyanya nemamiriro anowanzo kudiwa kune kondirakiti yekunyoreswa kweyakajairwa inishuwarenzi yehupenyu policy:

• Hapana maitiro ezera kumunhu akaremara, asi zera rezera reanenge makore makumi matanhatu kune anonyoresa;
• Bvunzo yezvehutano kwaungapasa bvunzo dzekurapa kune anonyoresa;
• Seoul mwana akaremara ndiye anobatsirwa ;
• Iyo yekupedzisira inofanirwa kukanganiswa, panguva yekusaina kontrakiti, nehurema hunomutadzisa kushanda pasi pezvakajairwa mamiriro emubairo kana, kana ari pasi pemakore gumi nemasere, haakwanise kuwana kudzidziswa kana murairo weinonzi nhanho yakajairika.

Kubatsira penjeni yemunhu anenge ararama

Pamusoro pekuti inishuwarenzi yesurvival annuity inopa nherera yakaremara imwe mari, ine zvinotevera zvakanaka:

Muchiitiko chekufa kwemubatsiri, insurer anogona kudzorera, kune muchengeti ane inishuwarenzi, mari yezita yemaprimiyamu anobhadharwa pakondirakiti yekupona annuity. Survival annuity premiums inogona kubhadharwa nemakanzuru emabasa, supplementary pension funds uye masangano evanochengeta.

Mubhadharo wepamusoro unovhura kodzero yekuderedza mutero. Mari yechikwereti inobhadharwa kune akaremara inongobhadhariswa mutero pamari inowaniswa nechikamu chemari yavo.

Survivor's annuity insurance haisi inotorwa mukuverenga mutero wenhaka (kunze kwezvipo zvakabhadharwa mushure memakore makumi manomwe uye zvichienderana nehuwandu hwemari yakabhadharwa yakazara).

Mhosva haicherechedzwi mukuongororwa kwezviwanikwa zveakaremara pamari yemendenenzi yevakuru vakaremara, muripo wemuripo, muripo wekugara mumusha, muripo wevana vadiki, wedzero yemhuri, mari yekudzokera kuchikoro, yechikoro. rubatsiro. Pamwe chete nekugadzirisa uye mari yekugara mune imwe nzvimbo yakavharwa nerubatsiro rwemagariro evanhu

Survival annuity inogona kusanganiswa nemapenjeni akasiyana-siyana pasi nekuwedzera, kunyanya maererano nemari yemudyandigere yenherera dzakura dzakaremara (vashandi vehurumende kana masoja, mari yepenjeni yekuwedzera).

Inotaridzirwa kuverengwa kwekodzero yakakosha yezera rekare, mari yekuwedzera. Izvo zvinoshandawo munyaya yekugara mukugadzirwa kwekugamuchira pasi pekubatsira kwevanhu vakwegura.

🔰 Kuchengetwa kwehurema

Kondirakiti yekuchengetedza yakaremara

Kondirakiti yekuchengeta hurema inonyoreswa nemunhu iye pachake kunyangwe vachengeti vanogona kutora chikamu mukuchengetedza uku, ivo pachavo kana nekondirakiti yemubatanidzwa.

Nyaya yehupenyu hwechibvumirano cheinishuwarenzi: chibvumirano chinofanira kuvimbisa kune inshuwarisi kubhadhara kwemari kana hupenyu hwehupenyu.

Conditions

Nguva yechibvumirano inofanira kuva asingasviki 6 years (chaiyo nguva). Munhu akaremara haafanire kunge abva zera remutemo.

Anofanirwa kubatwa, panguva yekusaina kontrakiti, nehutera iyo, pasi pemamiriro akajairwa ekubatsira, inomutadzisa kushanda kana aine under 18.

Mabhenefiti eakaremara Savings

Kubhadharwa kwemaprimiyamu ekuchengetedza vakaremara kunovhurwa kodzero yekuderedza mutero kune avo vanonzi vakaremara vateresi, saka hazvifungidzirwe pakusarudza denga reAAH. Iyo life annuity inouya kubva pane imwe sarudzo, PEP haina mutero upi zvawo.

Yese yepenjeni inobhadharwa yekondirakiti yekuchengetedza vakaremara haina kuverengerwa kupfuura imwe mari pagore, pakuverengerwa kwemvumo yevakuru vakaremara.

Ivo vari kuwedzera kune akati wandei epenjeni ari pasi pemutemo wekutumira, kunyanya penjeni ye nherera dzakura dzakaremara (supplementary pension funds, vashandi vehurumende kana masoja).

Inoshandiswa kuverenga mari yemakore ekukwegura uye mari yekuwedzera, pamwe nekuvhara pasi pekubatsira kwevanhu vakwegura kana pane nzvimbo yekugara.

Tinogona kuyeuka kuti vanhu vakaremara vanobatsirwa nemhando mbiri huru dzeinishuwarenzi: survivor's annuity nemari yekuremara. Mhando yega yega yeinishuwarenzi ine zvayakanakira nezvayakaipira. Zviri kwauri.

⛳️FAQs

Mubvunzo: Sei zvakakosha kuti vanhu vakaremara vave neinishuwarenzi chaiyo?

R: Vanhu vakaremara vanogona kusangana nematambudziko akasiyana ehutano uye hutano.

Inishuwarenzi chaiyo yevanhu vakaremara inogona kupa rubatsiro rwakaenderana nezvavanoda chaizvo, senge kurapwa, zvekufambisa uye kugadziridzwa kwemba.

Q: Ndeapi marudzi ekuvhara akakosha muhurema inishuwarenzi mutemo?

R: Inishuwarenzi yakanaka yekuremara inofanirwa kusanganisira kuvharwa kwekuremara, kuchengetwa kwenguva refu, kutarisirwa kwepalliative, uye zvekufambisa.

Izvo zvakakoshawo kutarisa kuti mutemo unobhadhara here mitengo ine chekuita nekugadziriswa kwemba, michina yekurapa yakakosha uye marapiro anodiwa.

Mubvunzo: Ndingawana sei inishuwarenzi yakanakisisa yevanhu vakaremara?

R: Kuti uwane inishuwarenzi yakanakisa kune vanhu vakaremara, zvinokurudzirwa kutsvaga rubatsiro kubva kune inishuwarenzi chipangamazano anoshanda munzvimbo iyi.

Vachakwanisa kuongorora zvaunoda chaizvo, kuenzanisa nzira dzakasiyana-siyana dziripo pamusika uye kukubatsira kuti usarudze mutemo unoenderana nezvido zvako uye bhajeti.

Mubvunzo: Ndedzipi pfungwa dzemari dzinofanira kutariswa pakusarudza shuwarisi yekuremara?

R: Pakusarudza inshuwarisi yekuremara, zvakakosha kufunga nezvemutengo wemaprimiyamu, deductibles uye miganhu yekuvhara.

Zvakakoshawo kutarisa kana mutemo uchipa nzira dzekubhadhara dzinochinjika kana zvidzikiso zvevanhu vakaremara.

Mubvunzo: Ndezvipi zvimwe zviwanikwa zveinishuwarenzi zvinowanikwa kune vanhu vakaremara?

R: Pamusoro pezvirongwa zveinishuwarenzi zvechinyakare, kune zvirongwa zvehurumende uye masangano asingabatsiri anogona kupa rumwe rubatsiro rweinishuwarenzi kuvanhu vakaremara.

Zvinokurudzirwa kuti utarise nevenzvimbo dzenharaunda kana mapoka ekutsigira vakaremara kuti uwane ruzivo rwezviwanikwa izvi.

Mhinduro idzi dzese dzinogona kukubatsira kuti unzwisise zvimwe zvakakosha zvekufunga nezvazvo pakusarudza inishuwarenzi yevanhu vakaremara. Nekudaro, zvinogara zvakanaka kubvunza nyanzvi yeinishuwarenzi chipangamazano kune yakasarudzika zano zvinoenderana nemamiriro ako wega.

Takapedza uye ndinovimba kuti pakupera kwekuverenga kwako, wawana mhinduro kudambudziko rako. Asi usati waenda, heino Akaita mari pasocial network yake?