Njani i-Insurers Yenza Imali
Ukuqonda indlela intengiso ye-inshorensi isebenza ngayo kufuneka uqale uqonde indlela abaqinisekisayo abenza ngayo imali.
Iinkampani zomshuwalense zinemithombo emibini yengeniso: ingeniso-mali kunye nenzuzo yokubhala phantsi.
Abatshutshisi bafumana imali ngokutyalomali kwipahla. Abalawuli be-inshorensi kaRhulumente basichazela iindidi zeempahla apho abatyhuseli bangafaka khona. Ngokuqhelekileyo, i-inshorensi inokutshala imali kuphela "kwiimpahla ezikhuselekileyo" ezinokuguqulwa ngokukhawuleza. Iimzekelo zikarhulumente kunye neebhanki zikamasipala. Imithetho yenzelwe ukukhusela abanikazi bemigaqo-nkqubo. Baqinisekisa ukuba iinkampani ze-inshorensi ziya kuhlala zixazululwe kwaye zibe nemali ekhoyo yokuhlawula amabango.
Umshurensi uphinde wenze imali kwi- underwriting profit . Eli gama lithetha umehluko phakathi kwemali i-inshurensi eqokelela kwiiprayimari kunye neendleko ezithathayo ekuhlawuleni amabango kunye neendleko (kuquka i- arhente kunye ne-broker commissions ). Umshurensi oqokelela imali engaphezulu kwiipriyamu kunokuba ihlawulele kwiibango kunye neendleko ziya kufumana inzuzo yokubhala phantsi. Ukuba i-inshurensi ihlawula ngaphezulu kwiibango kunye neendleko eziqokelela kwiiprayimali ziya kuxhasa ukulahlekelwa phantsi.
Umshuwalense oxhasa ukulahlekelwa phantsi kweemali angaphinda athole inzuzo ukuba inzala yayo inzuzo idlula ukulahlekelwa phantsi. Ngokomzekelo, xhawula ukuba i-insurer izuze i-$ 50 yezigidi kwingeniso-mali kwaye igcine i-$ 40 yezigidi zokulahlekelwa phantsi. Kuye kwafumana inzuzo ye-$ 10 yezigidi. Xa inzala yomvuzo yabaphantsi bomshuwalense kufuneka ihlawule ingqalelo kwimiphumo yabo yokubhala phantsi.
Iimfuneko zokuVimba
Abatshutshisi abakwazi ukusebenzisa imali abayibuthayo kwii-premium kwangoko. Kumele balinde ukuba loo mali ihlawulwe. Iiprayimari ezingafunyanwanga kufuneka zigcinwe njengendawo yokugcina i-premium yokugcina ukuhlawula amabango amamva. I-Premium ifunyenwe kwisiseko esilandelayo kulo lonke ixesha lomgaqo-nkqubo. Ukuba umnini-mgaqo-mali uye wahlawula i-premium ngaphambi komhla wokuqalisa komgaqo-nkqubo, yonke i-premium ayifumanekanga loo mhla. Iinyanga ezintandathu kwixesha lomgaqo-qingqo i-premium ifunyenwe. I-premium ayifumane ngokupheleleyo kufikelelwe umgaqo-nkqubo.
Abatshutshisi mababekele bucala imali yokuhlawula ilahleko ezenzeke ngaphambili, kubandakanywa nalawo angakabikwa. Le mali ibizwa ngokuba yindawo yokulahleka .
Amandla
Ngenxa yokuba inxalenye ebalulekileyo yemali yomshuwalense iboshwe kwiindawo ezigcinwe kuyo kungenakho ukukwazi ukukhangela umgaqo-nkqubo omtsha. Ngethamsanqa, i-inshurensi inokwandisa amandla ayo ngokuthenga ukuqinisekiswa. Xa umshuwalense uthenga ukuqinisekiswa, utshintshe ezinye zeengozi zelahleko ezizayo kwi-reinsurer. Ukutshintshwa komngcipheko kunciphisa inani lemali umgcini-inshurensi kufuneka abambe njengendawo yokugcina i-premium reserves, ngaloo ndlela ukwandisa amandla omshuwalense wokukhupha imigaqo-nkqubo emitsha.
Izinto ezichaphazela ukufumaneka kwe-Inshorensi
Kukho izinto ezininzi ezinokuchaphazela impilo ye-inshurensi yempilo kwaye ngoko, amandla ayo okukhupha imigaqo-nkqubo.
Esinye seziganeko eziyingozi. Iziganeko ezinkulu ezifana neziphepho, ukuzamazama komhlaba kunye nokuqhuma kwegesi kunokuvelisa ilahleko ezinkulu ze- inshurensi yepropati . Abatshutshisi abaye bahlawula amabango amaninzi ngenxa yengozi ethile banganqwenela okanye bangafuni ukuqinisekisa ezo ngozi kwixesha elizayo. Ngaphezu koko, ezininzi ilahleko ezilahlekileyo zikwabelwana ngabavuseleli. Abaxhasayo abaye bahlawula ilahleko ezinkulu abanakho ukulungela ukuvuselela izivumelwano zokhuseleko kunye nabanini-mshishini. Ngaphandle kokufikelela ekuqinisekiseni, ukukwazi ukubhala umgaqo-nkqubo we-insurers kuncitshiswa.
Enye into echaphazela amandla oomatshirensi yimozulu yomthetho. Kwimimango enobungozi bomshuwalense banokubethwa ngamacala amaninzi. Ukulahlekelwa ngamava okulahlekileyo kunokubangela umshwalense ukuba agcine ukulahlekelwa phantsi kokubhala. Umthwalo womshuwalense wemfanelo ungancitshiswa xa abavuseleli bengenakuzimisele ukuvuselela iikontrakthi zokuqinisekisa ngokuqinisekileyo.
Umthamo wabanini-mgcini-mali wokubhalwa kwemigaqo-nkqubo entsha ichaphazelekayo kwiimeko zoqoqosho jikelele. Kwixesha elidlulileyo kwi-inshorensi yoshishino yoshishino angathengisa umyinge omncinci okanye athenge i-inshorensi ngokupheleleyo. Iintengiso zezorhwebo kunye nokuhlawula (apho ii-premiums zihlala zisekelwe) zingancipha. Isiphumo sincinci engaphantsi kwe-premium kubaxhasi. Amanqanaba enzala ayenokuthi abe phantsi ngexesha lokunciphisa umnotho. Xa izinga lentengo liphantsi, abaqinisekali bafumana imali encinci kwiingeniso zabo.
Iimakethe ezinzima okanye ezantsi?
Uluhlu lweemeko ezinobungozi, imimiselo esemthethweni yomthetho kunye / okanye uqoqosho oluhluphekileyo lunokubeka isiteji kwimarike yomshuwalense onzima. Ezi ziganeko zithatha ukunciphisa amandla okubambisa abakwa-inshurensi ukubhala imithetho emitsha. Ukutshintsha kwakhona kuyinyaniso. Isimo sezulu esinamandla, imo esemthethweni yendalo kunye / okanye imicimbi emininzi yentlekele idla ukwandisa amandla. Umthamo ogqithiseleyo unokudala intengiso ye-inshurensi.
Iimpawu zeeNkcazo ezisezantsi
Imarike ezithambileyo ibonakaliswe ngolu hlobo:
- Abaninzi bango-inshurensi banokukhuphisana nezoshishino
- Ubungakanani bukhoyo
- Ixabiso le-inshurensi liphantsi
- Abangaphantsi kwee-underwriters banokuguquguquka kwaye bazimisele ukuxoxisana ngemigqaliselo
- Ubhengezo obanzi lufumaneka kunye nolwandiso olutholakalayo lwamahhala
- Imilinganiselo yokubhala phantsi ikhululekile
Iimpawu zeMarike enzima
Intengiso ye-inshurensi enzima iphikisana nelinye ilithambileyo. Nazi iimpawu zorhwebo olukhuni:
- Ngokuninzi abambiseneli banikezela ukunika ingxelo
- Ubunzima bunzima (okanye kungenakwenzeka) ukufumana
- Ixabiso le-inshurensi liphezulu
- Abancinci banqabile okanye abanqweneli ukuthetha ngokubhekiselele kwimigqaliselo
- Kunzima ukufumana inkxaso. Ezinye izandiso zingafumaneka kwi-premium eyongezelelweyo
- Imigangatho yobhaliso iyagcinwa
Gqi beleni
Imarike yomshuwalense iyahlukahluka kakhulu. Elinye iqela loshishino lingaba kwiimarike ezinzima ngelixa elinye lisemakethe elincinci. Esinye isigaba sinokuthi siphakathi.