Uzinzo lwezeMali
Abatshutshisi balawulwa yilizwe. Iphondo ngalinye ligcina isebe le-inshurensi elenza impilo yezemali yabanini-mshwalense abanelungelo lokuqhuba ishishini kwimeko.
Enye yeenjongo zomgaqo-nkqubo ukukhusela i- insurer insolvencies . Nangona kunjalo, iinkampani ze-inshorensi zihluleka. Ngaloo ndlela, ngaphambi kokuthenga i-inshuwalense yomgaqo-nkqubo kufuneka bathengise ngokwabo uvavanyo lwamandla omshuwalense .
Ngethamsanqa, ukuvavanya impilo yemali yomshuwalense ayifuni naluphi na inani le-crunching yakho. Ukulinganisa amafemu akwenzile umsebenzi kuwe. Ezi femu ziquka i-AM ephezulu, i-Standard and Poor's, i-Moody's and Fitch. I-arhente ngalinye livelisa ukulinganiswa kwe-inshurensi ngokusebenzisa imilinganiselo eyahlukileyo. Ngenxa yoko, i-inshurensi ingahlawulwa kakhulu ngorhwebo elinye kodwa lingenalo elinye. Ngenxa yoko kubalulekile ukuqwalasela amanqaku amaninzi xa uvavanya umshwalense.
Ilayisenisi kaRhulumente
Ngaphandle kokuba uthenge umgaqo-nkqubo osuka kumntu ongenimali-mboleko engekho, i-insurer yakho kufuneka ibe neelayisenisi kwimeko yakho ukukhupha uhlobo lomgaqo-nkqubo oyithengayo. Kwiindawo ezininzi unako ukufikelela kwingcaciso yelayisenisi ye-insurer evela kwiwebhusayithi yeSebe le-inshurensi.
Umthombo omnye wale nkcukacha yiwebhusayithi egcinwe nguMbutho weSizwe weeNkomishinala ze-Intshulamu (NAIC).
Umshurensi owanikezela iintlobo ezininzi zeendlela zokukhawulela angafuna ilayisenisi eyahlukileyo nganye. Ngokomzekelo, cinga ukuba i-Elite Insurance Company inikezela bobabini ubomi kunye nabanini be-inshurensi kwi-state X.
U-Elite ubamba iisenisi ezimbini, enye ye-inshorensi yomntu kunye nomnye wepropati kunye ne-inshorensi yokufa. Xa i-inshurensi inelayisenisi ezininzi, ilayisenisi nganye inokubanjelwa yinkampani encedisayo. Ngokomzekelo, ilayisenisi ye-inshurensi yomshuwalense we-Elite ibanjwe yi-Elite Life Insurance Company. Ipropati ye-Elite kunye nelayisenisi yokulahleka ibanjwe yi-Elite Property and Casualty Company.
INkonzo
Inkonzo ibhekisela kwijubane, ukuchaneka kunye neentlonipho umshwalense ubonisa xa ephendula izicelo zakho. Umzekelo olandelayo ubonisa ukuba kutheni inkonzo ibalulekile.
Masithi uqeshiwe ngu-XYZ Inc. ukwenza umsebenzi kwiprojekthi. Inkontileka yakho ifuna ukuba uqinisekise i-XYZ inc njengesiqinisekiso esongezelelweyo phantsi komgaqo-nkqubo wesikhundla sakho jikelele . I-XYZ ayiyi kukuvumela ukuba uqale umsebenzi kwiprojekthi uze ufumane ikopi yenkxaso eyongezelelweyo yomshuwalense. Ucelile ukuvuma kodwa u-insurer wakho akhipheli kude kube seenyanga ezintathu. Ngelo xesha ulahlekile umsebenzi.
Abanye abatshutshisi banikela inkonzo engcono kunezinye. Ukuba uye wabhalisa i- arhente emele ukufumana iingcaphuno egameni lakho kubaninzi bango-inshurensi, i-arhente yakho kufuneka ikwazi ukuba yeyiphi i-inshurensi enika inkonzo engcono. Unokuphinda ubuze abanye abanikazi boshishino ngeengcebiso.
Imibutho yezorhwebo, imibutho yobungcali kunye namaqela oshishino anokubonelela ngeengcebiso ze-insurer.
UkuLawulwa kweziBango
Njengomnini-nkqubo, ulindele ukuba umshwalense wakho ahlawule ngokukhawuleza nayiphi na ibango elifakekileyo elifayile . Nangona kunjalo, abanye abatshutshisi banomxholo ongcono kunabanye xa kufikelele ekujongeni amabango. Ukuba i-arhente ezizimeleyo ithola iicatshulwa egameni lakho, mbuze ngaye malunga neendlela zokuphatha izicelo zamabango. Kufuneka ujonge kwakhona iwebhusayithi yakho ye-inshurensi yesebe yezikhalazo kunye nezenzo zokuthotyelwa ezifakwe kwi-insurer. Izikhalazo ezininzi zomgaqo-nkqubo kunye nezenzo zokuthotyelwa zibandakanya izityholo zamanyathelo ezicelo ezingalunganga .
Imiqulu
Iziganeko ezifunayo zixhomekeke kuhlobo kunye nobukhulu boshishino osebenzayo. Abanye abatyhuseli bahlinzekela ngokusesikweni "i-vanilla" eninzi inyanzelisayo njenge-inshorensi yemfanelo yorhwebo kunye neyonke.
Abanye abatyhuseli banikezela ngeengxelo ezijoliswe kwiindidi ezithile zamashishini, ezifana neevenkile okanye iikontraki. Ukuba ishishini lakho likhetheke kakhulu uya kufuna i-insurer enokuqonda i-shishini lakho. Ngokomzekelo, ukuba inkampani yenza iimveliso zokuxilonga unyango uza kufuna i-insurer enolwazi kwi-biotechnology.
Abatshutshisi abamele ama-agent bahluka ukusuka kwelinye i-ejensi ukuya kwelinye. Ukuba awuhlali ujabule ngokukhethwa kwabagcini bomshuwalense kwi-arhente enye, tshintshela kwelinye igosa. Njenge-insurers, ezinye i- agents kunye nabathengisi bajolise kumashishini athile okanye iintlobo zokubhengezwa. Ukuba uvakalelwa ukuba i-arhente yakho yangoku ayiyiqondi ibhishini lakho, jonga i-agent ejolise kwi-shishini lakho.
Iindleko
Iindleko zomgaqo- nkqubo we- inshorensi ziyahlukahluka kakhulu kwi-insurer enye kwenye. Kukho inani lezinto ezichaphazela iprayimamu yomgaqo-nkqubo. Ezi zibandakanya iirhafu ezihlawulwe , umda onikezelweyo, ubungakanani benkcazo edibeneyo, kunye nezaphulelo ezibonelelwe ngumbhaki. Xa uvavanya izicaphuno maziqiniseke ukuba uqhathanisa "iiapulo kwiipulo." Umgaqo-X unokuthi ukhululeke ngokubanzi, kwaye ngoko ke ubiza iindleko ezingaphezulu kweMgaqo Y. Kodwa ke, ukuba ukubonelelwa okungekho kumgaqo-nkqubo okhutshwa yiPolisi X akubalulekanga kuwe, unokungcono ukuthenga umgaqo-nkqubo ongezantsi.