I-inshurensi yotyalo-mali yimveliso yezemali esandula ukwenziwa enenjongo ephindiweyo. Kwelinye icala, ukukhusela okanye ukufaka i-inshurensi kwimali eyinkunzi kube negalelo kunye nokudala utshintsho lotshintsho lwexesha elide kwaye kwelinye icala, kuvelisa inzuzo yonyaka ukukhuthaza ukuqeshwa kwabo. Enye yezinto ezikhethekileyo kule mveliso kukuba ayithengiswa ziibhanki, kodwa ziinkampani zeinshurensi eziphuhlise uluhlu olubanzi lweemodeli ezinezi mpawu.
Olu hlobo lweinshurensi lubonakala ngokuba bhetyebhetye ngakumbi kuneemveliso zebhanki ezilungiselelwe ukonga. Ngokuvumela abanini bayo ukuba benze igalelo labo ngokwemali. Oko kukuthi, icinga ukuba ipremiyamu inokuba yiyo eyahlukileyo, ngamaxesha athile okanye engaqhelekanga, ngokunxulumene namathuba akho emali ngexesha lokuhlala kwakho kwi-inshurensi yotyalo-mali.
Olunye uncedo olucingwe ngokuqesha le-inshurensi inxulumene nokonga kukuba kukho isibonelelo serhafu kubanini baso. Kuba ukuba igcinwe ixesha elincinci leminyaka emihlanu, izibonelelo eziveliswe ngeli xesha ziya kuba ukhululwe kwirhafu. Ngale ndlela, iya kuba nefuthe ekubeni ukonga kunokwenziwa kwakhona kule ndlela. Nokuba yeyiphi na intsebenzo efunyenwe ngale mveliso yemali, kuba akukho miqobo ekusetyenzisweni kwayo.
I-inshurensi yotyalo-mali: irhafu
Imbuyekezo eveliswe yi-inshurensi yotyalo-mali yenye yezinto ezikhuthazayo, njengoko ziphezulu kunalezo zinikezelwa ziimveliso zebhanki (iidipozithi zexesha, amanqaku ezithembiso zebhanki okanye iiakhawunti ezihlawula kakhulu). Kunye ezinzileyo kunye nenzuzo eqinisekisiweyo oosillillates kwimida yorhwebo equka phakathi kwe 2% kunye ne 5%. Nangona iimeko ezininzi zibonakala ngentlawulo ebizwa ngokuba kukwanda Oko kukuthi, ngenzala yezobuchwephesha eqinisekisiweyo kufutshane ne-1% okanye i-2% kunyaka wokuqala kwaye inyusa ngokuthe chu kule minyaka ilandelayo kwaye ide ifikelele ekuvuthweni kwayo.
Iimeko zesivumelwano
Ukumiselwa ngokusesikweni kuyafana needipozithi zebhanki, nangona umahluko umncinci: inegalelo eliphezulu lonyaka elihlala linyuka phakathi kwama-5.000 nama-10.000 euros. Enye into eyahlulahlula le mveliso kwezinye izinto kukuba ukuhlangulwa kunqongophele. Oku ngokwenyani kuthetha ukuba intlawulelo iyonke ayinakwenziwa kutyalo-mali. Kodwa ngokuchaseneyo benzelwe indawo encinci kakhulu. Akumangalisi ukuba imali eqinisekisiweyo ikhule kuphela.
Kwelinye icala, i-inshurensi yotyalo-mali ijolise kwimigaqo emide kunesiqhelo, phakathi kweminyaka elishumi ukuya kweli-10. Enye yeenoveli zayo kukuba intsebenzo abayinikelayo ihlala inyuka, Oko kukuthi, iyenyuka njengoko iminyaka ihamba, nangona iqala ku Ubuncinci bokufumana inzuzo kwezobugcisa echazwe ngaphezulu nje kwe-1%. Ngaphandle kwayo nayiphi na imeko banokurhoxiswa njengoko kusenzeka kwiidipozithi zebhanki. Nokuba izohlwayo kule ntshukumo.
Olunye uncedo olunikezelwa ngokusesikweni kukuba baxolelwe kulo naluphi na uhlobo lweekhomishini kunye nezinye iindleko kulawulo lwabo okanye kulondolozo. Ke ngoko, inzala iya kuba yexabiso kwaye iya kuya kwiakhawunti yangoku yabanini bayo ngomhla omiselweyo. Ngayiphi na imeko, sisicwangciso esilula kakhulu ukusebenzisa ukuphuhlisa uzinzo lokonga oluzinzileyo olujolise kwixesha eliphakathi nelide. Ngobhetyebhetye obuphezulu bokulungiselela umnikelo wemali kuba iyavuma kuyo Iprimiyamu yexesha elinye, iidipozithi eziqhelekileyo okanye ezingaqhelekanga, Kuxhomekeke kwiimfuno zotyalo-mali. Ke ngale ndlela, le mveliso yeinshurensi inokuhlengahlengiswa kwimali engenayo kunye neprofayili yomthengi.
Iingcebiso ezi-5 zokonga imali
I-inshurensi, nangayiphi na indlela, yenye yeemveliso zokhuselo ezingaswelekiyo emakhayeni. Ukuza kuthi ga ngoku ukuba ngokwedatha epapashwe kwifayile ye- IPhepha leNgcacisonkqubo ngoKhuseleko loSapho eSpain I-42% yabasebenzisi baseSpain bathathe i-inshurensi yobomi. Kule nto kufuneka kongezwe ezinye iifomathi ezinokuzithemba kwabakhuselweyo: isithuthi, ukufa, ikhaya, impilo, njl. Kuyinyani ukuba ukuqesha kwabo kubandakanya uthotho lweendleko kulawulo lwabo ekufuneka kujongwene nazo. Kodwa ukusebenzisa uluhlu olubanzi lwezicwangciso kulungelelwaniso lwabo kungancitshiswa kakhulu, kwezinye iimeko ezinye zazo zinokukhululeka.
Ke ukusukela ngoku abathengi banethuba lokonga i-euro ezimbalwa kulwakhiwo lwale mveliso, abayi kuba nandlela yimbi ngaphandle kokusebenzisa iingcebiso ezimbalwa ezilula. Ukuze bakukhokelele ekufezekiseni injongo yakho, ekungekho enye ngaphandle kokuqulatha iindleko zale mfuno inenxalenye enkulu yoluntu enayo. Ukusuka kule ndlela, iziphumo zinokubothusa abasebenzisi kwaye baya kubona ukuba minyaka le kufuneka bachithe imali encinci kulondolozo lwayo. Ngaba uyafuna ukwazi ukuba zeziphi ezi ndlela zokukhuthaza ukonga ezibandakanya? Ewe, nika ingqalelo encinci kuba inokuba luncedo kakhulu ukusukela ngoku.
Isitshixo sokuqala: thatha ithuba lokubonelela
Iinkampani zeinshurensi zenza unyuselo ngamaxesha athile apho izaphulelo ukuya kuthi ga kwiipesenti ezingama-30 zinokufunyanwa kumgaqo-nkqubo oza kufunyanwa. Ngeenkonzo ezifanayo kunye nezibonelelo ngokubhekisele kwi-inshurensi ithengisiwe ngaphandle kwesi sicwangciso sentengiso. Umkhwa weinshurensi kule minyaka idlulileyo kukubonelela ngesivumelwano semigaqo-nkqubo emininzi ukuze omnye wabo ukhululekile. Ukuze umsebenzi usebenze ngenene, kufuneka kungqinisiswe ngokupheleleyo.
Isitshixo sesibini: hlalutya iimfuno
Elinye lamaqhosha okwandisa nayiphi na i-inshurensi kukubona ezona zidingo ziyinyani kwaye ngakumbi eyona nto ifunekayo ukuze ubhalise. Ke ngale ndlela, unokufumana ikhontrakthi eyenzelwe wena ngaphandle kweenkonzo ezingeyomfuneko eziya kwenza imveliso ibize kakhulu ngendlela engafanelekanga. Ukuba eli nyathelo liqhutywa kukhetho lweinshurensi kuwo onke amathuba okuba ipremiyamu ibe sezantsi minyaka le.
Isitshixo sesithathu: ukuthengisa simahla
Mhlawumbi abasebenzisi abaninzi abazi ukuba abathengisi beinshurensi ngaphandle komdla weinshurensi uqobo. Ukufikelela kwinqanaba lokuba bakwazi ukufikelela kuzo zonke izibonelelo kunye nokunyuselwa kwezi, ngaphandle kwalo naluphi na uthintelo. Iziphumo zolu phando lweinshurensi lubonakala kulungelelwaniso olufikelelekayo ngakumbi kwezi mveliso. Ukongeza, ngoncedo lokuqala abaya kuthi ngalo lonke ixesha bazi ukuba bafuna ntoni kubaxhasi babo kuba ukulandela kwabo kuqhubeka ngakumbi kwaye kusebenza ngokufanelekileyo. Kungenxa yokuba akuyomfuneko ukuba ubhalise yonke ingxelo yakho, kodwa eneneni ezo zifunwa ngabasebenzisi.
Isitshixo sesine: ukugubungela okuphindiweyo
Kukulungele ukwenza uphononongo olunzulu kwii-inshurensi ezibhalisiweyo kuba ngokuqinisekileyo ziya kubakho Izikhuselo eziphindiweyo. Kutheni uhlawula kabini kwimveliso enye? Kwezi meko akusayi kubakho sisombululo simbi ngaphandle kokurhoxisa enye yeepolisi ezichaphazelekayo ukuze kufumaneke izibonelelo ezifanayo kodwa ukuhlawula imali encinci ngazo. Nge-inshurensi yeempawu ezifanayo kuya kuba ngaphezulu kokulingeneyo ukukhuselwa.
Isitshixo sesihlanu: ukuthelekisa kwi-Intanethi
Sebenzisa abathengi abakwi-Intanethi ngumbono ogqwesileyo wokukhetha eyona inshurensi kunye nexabiso elinokhuphiswano kwimarike. Enye yeendlela zokufikelela kuzo zonke izithembiso kunye nezithembiso zeenkampani zeinshurensi kwaye ukhethe owona mzekelo wenzuzo kwimidla yabasebenzisi. Akumangalisi ukuba kubekho umahluko ukuya kuthi ga kwiipesenti ezingama-35 kwixabiso lepolisi enye.
Ewe kunjalo, sisicwangciso esiluncedo kakhulu ukugcina imali kwikhontrakthi entsha. Kodwa i-qua e inokuvelisa ukusebenziseka kwale mveliso ukuqinisekisa iiasethi kunye nokukhuselwa kwabanini bayo. Yintoni eyiyo unemigaqo-nkqubo emibini okanye nangaphezulu i-inshurensi ukuba ingxelo iyaphindwa. Ekuphela kwento esiza kuyiphumeza kukwenza imveliso ibize kakhulu kunezona zinokwenzeka. Njengoko ubonile kweli nqaku, unezicwangciso ezininzi zokufezekisa ezi njongo. Abayi kukubiza mali eninzi kwaye endaweni yoko iziphumo zinokucebisa ngokwenyani kula maxesha achanekileyo
Ukuziqinisekisa kakuhle akunyanzelekanga ukuba uchithe imali eninzi kunye nemali eninzi kwaye ngokuqinisekileyo akunakuze kube luncedo ukuthatha iinkqubo ezininzi zeinshurensi. Le yimpazamo eyenzeka rhoqo phakathi kwabathengi beli hlobo lweemveliso zezemali ezinxulunyaniswe nokhuseleko lwakho olusenyongweni. Ekupheleni kosuku ungagcina isixa esihle se-euro esiya kwiakhawunti yakho yokonga. Ukuzisebenzisela ukhenketho nosapho okanye nabahlobo, ukuhlawula umgca wekhredithi okanye nokuhlawulela isikolo sabantwana bakho abancinci. Njengoko uza kubona, zininzi iindawo ekuya kufikelelwa kuzo kule mali ezinokufumaneka kwi-inshurensi yokuqesha, nokuba injani na. Kungenxa yokuba oku malunga nokuba ungashenxisa inkcitho engeyomfuneko kwezi mveliso zijolise ekugcineni ukhuseleko lomntu. Ngenzuzo enokuthi ifumaneke kwixesha elide.