Kutheni Ubunzima Bokuba Unzima Ukufumana
Xa umqeshi unzima ukufumanisa umgaqo-nkqubo wokubuyisela abasebenzi, unesimo esinye okanye ngaphezulu kwezi zilandelayo.
- Ukulahleka kweMbali engekho Imbali Ikampani iye yabona amaninzi amabango amancinci okanye ambalwa amakhulu. Kumntu onobhala phantsi , imbali elahlekileyo yilahleko ibonisa ukuba umqeshi akanakho inkqubo ekhuselekileyo yokhuseleko .
- Abatshorensi abatsha baxhomekeke kwiimbali zokulahlekelwa ukuxela kwangaphambili amava okulahleka. Ukuze kuqinisekiswe inkampani entsha, engenakho imbali yokulahlekelwa, abaqinisekali kufuneka bathathe i-gamble yamava okulahlekelwa yinto efanelekileyo. Abanye abatshutshisi abanqwenela ukuthatha lelo thuba.
- I shishini elincinci kakhulu Inkampani encinci ingasebenzisa kuphela abasebenzi abambalwa. Abasebenzi abancinane banokuvelisa i-premium ye-premium compensation. I-insurer ingaqwalasela i-premium encinane kakhulu ngokumalunga nomngcipheko wamabango.
- Umsebenzi onobungozi Imisebenzi ethile yezoshishino iyingozi kubaqeshwa. Imizekelo ukuphahla, ukusika izihlahla, ukudweba ibhuloho kunye nokwakhiwa kwensimbi. Xa abasebenzi benza loo nto balimala, ukulimala kubonakala kunzima. Ukulimala okukhulu kunakhokelela ekubanjweni kwamabango amaninzi okuhlaziya. Ngako ke, abaninzi batshorensi abayi kubonelela ngenkonzo yokuhlawula indleko kubaqeshi kwimisebenzi eyingozi .
Isabelo soMngcipheko
Ngenxa yokuba abanye abaqeshi abakwazi ukufumana ukuhlawulelwa kwembuyekezo yabasebenzi kwimarike yokuzithandela, urhulumente ngamnye usemisele isicwangciso sobungozi obunikwe. Isicwangciso sobuncipheko esinikezelweyo kukuthengiswa kokugqibela. Ingumthombo wokubhengezwa kwabaqeshi abangenayo enye indawo. Izicwangciso zobungozi obanikezelwe nazo zibizwa ngokuba yi- market residual .
Izicwangciso zobungozi obanikezelweyo ziyahluka ukusuka kummandla ukuya kwilizwe. Kwamanye amazwe isicwangciso sengozi esinikezelweyo silawulwa yi- NCCI. Kwamanye amazwe isicwangciso sinokulawulwa ngumshuwalense otyunjweyo, kwingxowa-mali ye-inshurensi yomhlaba, okanye i-state rating rating.
Uninzi lwamazwe ludinga i-insurers ezinikezela ngeenkonzo zokuhlawula indleko kwimarike yokuzithandela ukuba ithathe inxaxheba kumakethi asele. Abafaki-zincwadi bangafuneka ukuba bajoyine i-pool ye-reinsurance pool okanye baqinisekise ipesenti ethile yabanikezeli-nkqubo abanobungozi. Abatshutshisi kwi-pool share premiums kunye nelahleko eziveliswe ngabaphathi-nkqubo kumcwangcisi ojongene nobungozi.
Indlela Yokufumana Umthombo
Yazisa lakho ummeli womshuwalense ukuba awukwazi ukufumana ukuhlawulelwa kwembuyekezo yabasebenzi. Angenise isicelo sakho egameni lakho kwisicwangciso sakho sengozi esinikwe sona. Ukuba awunayo i-arhente, unokufumana ulwazi malunga nesicwangciso sakho sengozi esinikwe ngumntu ngokuqhagamshelana neSebe le-inshurensi yelizwe okanye i-office rating rating.
Qaphela ukuba isicwangciso sengozi esinikelweyo asiyi kwamkela isicelo sakho ukuba uhlawulwa nayiphina i-premium ephumayo kwi-insurer yokuhlawulela. Kwakhona, kufuneka ufake isicelo sokubhengezwa kwaye unqatshelwe ngumnye umgcini-mboleko (inombolo iyahluka ngohlobo).
Iingxaki
Kubanikazi bamagunya, izicwangciso zengcipheko zombuso zinemiqobo emininzi.
- Iindleko Abaqeshi baqinisekiswe zizicwangciso zeengozi ezinikezelweyo zihlawula ixabiso eliphezulu kunezo zikhutshwe kwiimarike zokuzithandela. Abanikazi beepolisi abanamava okuguqula amaninzi ngaphezu kwe-1.0 banokuthi bangaphantsi komrhumo. Ukongezelela, izicwangciso ezininzi ezinobungozi abanikezeli isaphulelo sokuqala (uhlobo lwesaphulelo olunikeziwe kwiiprayimari ezinkulu).
- Akukho Ukhetho lweNkampani yeNkampani yeNkampani ye-insurer. Esikhundleni saloo nto, banikwa umxhasi-mali ukuba imiba kunye neenkonzo zabo zomgaqo-nkqubo.
- Akukho Cwangciso seNtlawulo Ekwabiwe izicwangciso zeengozi ngokuqhelekileyo azibonelela ngesicwangciso sokuhlawula. Abaphathi bamaphepha kufuneka bahlawule i-premium yabo ngaphambili.
- Isistim esincinane Isicwangciso sengozi esinikezelweyo singasebenzisa ifom yomgaqo-nkqubo engabanzi ngokubanzi ifom yefowuni esetyenziswayo kwimarike yokuzithandela. Oku kuyinyani ngakumbi xa iipolisi zinikezelwa yimali yomshuwalense karhulumente. Imigaqo-nkqubo ngokufanayo iyanciphisa ukukhutshwa kwenzakalo kwenzakala ekwenziwe kwimeko. Akunakho ukubonelela ngeendlela zokulimala ezenzeke kwenye indawo.