Inshorensi ezinika: amaxwebhu zobhaliso kunye nokubuyekezwa iinkampani ze-inshorensi

Ukuya kwi uhambo kwenye indawo, kude sonke ecinga kunokwenzeka iingxaki enokwenzeka kuthi. Oku kuthetha ukuba ezincane imiba lwasekhaya, kunye neengxaki zempilo, yezomthetho, ukulahlekelwa imithwalo nokulibaziseka elide moya.

Nceda ukumelana zonke iingxaki yenzelwe ukuhamba-inshorensi, kucetyiswa ngamandla nto leyo ukuba Khupha wonke ohamba amazwe, nokuba ubude lokuhlala. Noko ke, ngaphambi kokuba ukuphumeza le nkqubo, kufuneka sifunde izinto ezimbalwa ezibalulekileyo kakhulu.

Ngaba kufuneka ukuba ukuphumeza isivumelwano?

"Yenza konke inshorensi efunekayo?" - ukuba umbuzo onjalo bakhuliswe abaninzi uzimisele ukuya kwamanye amazwe. Ndimele ndithi, ubungqina kufuneka benze apho, kodwa zisekelwe kuphela kwinkolelo yokuba ngaphambili yonke into ibihamba - nto iya kwenzeka uhambo olulandelayo.

Akukho mntu uya ukothusa nabani na, kodwa cinga ngento eyayiza kwenzeka ukuba ukuba ufuna ngequbuliso uncedo lwezonyango ezingxamisekileyo ngokukhawuleza - enyanisweni amazwe (hayi kuphela eNtshona, kodwa kumazwe amaninzi Asia) Intlawulo zonyango kwaye kuyabiza kakhulu, kwaye bakuphathe apho simahla, akukho namnye uya. Yaye kuthekani ukuba uzifumana ukwimeko xa kufuneka ukuba uhlawule umonakalo owenzeke amaqela wesithathu? Kwaye kulungile, ukuba kukho ithuba lokuba ahlawule isixa esikhulu. Ewe, nokuba uya kuba - othanda ukuba ahlukane igazi labo?

Ukuya kwilizwe langaphandle, kucetyiswa ukuba ngamandla ukuba i-inshorensi yokuhamba. Nokuba akukho kufuneka ukuba imvume yokungena - "airbag" kwindawo yokuqala kuwe.

Oko kungabandakanya umgaqo

Standard Insurance ezinika zinganika nokubuyisela:

• unyango olungxamisekileyo;
• wamazinyo;
• yeTyala kuLuntu besithathu;
• ingozi;
• ukurhoxiswa / flight ukulibaziseka;
• ukulahleka nempahla.

Qaphela: a kumelwe ukuba nawuphi na umgaqo-kuphela kwindawo yokuqala ukuyigubungela iindleko xa kunokwenzeka ukuba ngokungxamisekileyo udinga unyango. Zonke izinto eseleyo phofu ozikhethela kwaye ndingekhoyo kuluhlu. Ukongeza, kukho ezinye iindlela ezinikezelwa yinkampani ethile, umzekelo, i-inshorensi kubeleka, eziya kwamanye amazwe. Ukuze acacise kakuhle ukuba zeziphi iindleko kulandwa, funda wenza isivumelwano.

Hi ndlela leyi, ingakumbi ukuba Ayinakugcina ingongoma wathi apha, oko kudla ngokuba inkampani "imidlalo". Umongo lo mngcipheko kukuba, ukuba iyafumaneka kwi yakho contract inshorensi , uya kuba nako ukumelana ngomoya kwezemidlalo zonxinzelelo (Ukuskiya, ndiqubhe, ingena, ekhwele ibhayisekile njalo njalo. P.), Ukuba Qiniseka ukuba uya kubuyiselwa iindleko kunyango ukuba ngebhaqo ufumane yonakele ngenxa yezi zinto. Ngoko ke, ukuba ngaba lweli imisebenzi ongaphandle, qiniseka ukuba ziquka umba inshorensi layo!

Ipolisi ye-inshorensi njengenxenye iphakheji kubakhenkethi

Xa ufaka ukhenketho kusetyenziswa wokuhamba, uya ngokuqinisekileyo kuqhutywa inkonzo ezifana "inshorensi abatyeleli kwamanye amazwe." Nangaphezulu, ixabiso layo ziya kufakwa kwi kumjikelo olungagqibekanga, ingakumbi xa kufikwa ukuya lizwe zokungenela ebusweni loo nkqubo ezifunekayo.

Noko ke, akusoloko umgangatho zale inshorensi abaya kuthathelwa ingqalelo ezanelisayo. Ukongeza, loo nto idla kukhutshwa kuphela ngenxa sesikweni, yaye ecaciswe kwimvumelwano imali yembuyekezo inokuba lincinane kakhulu.

Yiloo nto sinako kukunika iingcebiso - ukuba unalo ithuba lokwenza isicelo yi-inshorensi yesibini, uye "yena".

Icebo lomsebenzi

Ukuze ngcono ukuqonda inshorensi yokuhamba indlela yonyango, ukuba kanye nabo bonke ukukhumbula saziwe: inkampani ngalo isivumelwano, akukho ephatha, uthethathethwano kunye izibhedlele kunye noogqirha, kwaye ngokubanzi phantse nayiphi na indlela akayi kukugcina unxibelelwano emva kwesiganeko ezinikezelwa yi ikhontrakthi.

inkampani yeinshorensi - umlamleli kuphela phakathi kwakho kunye neqela (uncedo). Enyanisweni, nto wathengisa iinkonzo uncedo kuwe. Assistance, nayo, ungumlamli phakathi kwakho esibhedlele okanye kwagqirha. Ukuba uya kuba kwebala xa into eyenzekayo kwaye uthumele kwiziko lonyango umkhosi elizweni, ukuba ufuna ingqalelo yezonyango.

Ukukhetha le nkampani

Ngokufutshane, uthathwa lulodwa inkampani yeinshorensi kuphela omnye ngaphandle iinkonzo uncedo kuya kuba sibi kwaye kuyingozi. Njengoko kuqondwe ukusuka ngentla apha, inxaxheba ivayolin yokuqala ndlela ukudlala kuyo umlamli yesibini. Ngoko xa ukhetha inkampani yeinshorensi kuqala ukufumanisa indlela abasebenza ngayo Assistance.

Qaphela ukuba mveliso badla ukutshintsha amaqabane amaxesha ngamaxesha, ukuze siqiniseke ukubaluleka ulwazi olufumeneyo. Bona kwakhona sisebenze ezimbini okanye nangaphezulu ngaxeshanye Uncedo, kulo mzekelo, xa zisenza isivumelwano, qinisekisa ukuba kuya kuba njalo ngolo umxolelanisi, leyo ufuna.

Nangona kunjalo, i-inshorensi aliyeki ukudlala indima "-level yokuqala", ukumisela unxibelelwano phakathi umxhasi lwakhe noncedo, yaye ngokufuthi ekunqabeni yokugqibela ukuya sigqibo obuxhasa umxhasi wakhe. Kuyimfuneko ke ngoko ukuba udwelise inkampani kwi umthengi feedback credible. Oku "Imvume", "Medexpress" FAC, "Inkululeko", ka Allianz, "Renaissance." Ngokuba elowo kubo, ngendlela enye okanye omnye uya kufumana ncomo negative, kodwa oku kuyinyaniso ukuba nayiphi na inkampani - nkqu engcono.

A bit of Assistance

Eyona kakuhle yaziwa kwaye ehlonelwa kule ndawo unguye International-SOS, Mondial, Class, AXA, Coris. Ngamnye kubo kunokuba ngokwemveli namandla kummandla othile zehlabathi, ukongeza, wonke umntu kufuneka iimpawu zabo emsebenzini wabo.

Ngokufunda lo mbuzo njengoko inshorensi yohambo, uya kufumana ncomo ukuba International-SOS - woNcedo inokuthenjwa, yayinamandla inani elikhulu izimvo ezakhayo malunga nentsebenziswano. Kakade ke, amaxabiso e le mbambano ezikhethiweyo kancinane ephezulu, kodwa kunjalo, kuba imali ukuze behlise.

Ezinye zezi nkampani nkonzo nabo esebenza kwinqanaba eliphezulu, yaye kubo kunokwenzeka ukuthembela, ukuba ulandele yonke imigaqo ecaciswe kwimvumelwano.

Kufanelekile ukuba sikhankanye malunga Assistance GVA. Yena ethandwa kakhulu phakathi inshorensi - lisebenza ngokubambisana kunye nabo iinkampani ezininzi, kodwa ncomo kakhulu ezimbi. Noko ke, ezinye bakhaya kwaye ukhetha olu khetho ngenxa cheapness yayo.

Isixa coverage

Phantse nasiphi na isivumelwano inshorensi kubandakanya intlawulo ixabiso elithile xa isiganeko benefits ukusa kumkhamo othile. Ezibiza kakhulu nepolisi yakho, kwakuphawuleka kakhulu ziya kubuyiselwa yinkampani. Zama inshorensi inani elikhulu kakhulu!

imithetho Bonisa ukuba ilizwe elithile unakho ukuvumela ipolisi ye-inshorensi kwi mali ka 20-30 lamawaka eerandi (sithetha ubungakanani ababhalisele unyango). Noko ke, xa ufuna ukwenza inshorensi ngokwabo kwaye "show", kucetyiswa ukuba inshorensi isixa esikhulu - ubuncinane 50 amawaka eerandi nangaphezulu. Oku kuyinyaniso ngokukodwa iihambo ukuya eYurophu eUnited States, apho unyango kunokuba kakhulu, abiza kakhulu.

Kwakhona zama ukuba ukukhetha inshorensi kungabikho itsalelwa - oko kukuthi, ngaphandle kokuba imeko yentlawulo ozimeleyo iindleko ezihamba elingadlulanga umlinganiselo othile ochaziweyo kwisivumelwano.

Imimiselo Model Insurance kwamanye amazwe

Kakade ke, zonke iinkampani - iimeko zayo kunye neempawu ze-inshorensi kunye, ke, phambi kokuba kutyikitywe zonke ezi mpawu kufuneka ukuba zihlolwe. Nangona kunjalo, kukho ezinye iimeko eziqhelekileyo esebenza phantse zonke izivumelwano.

Eyokuqala iphathelene izifo ezondeleyo. Akukho namnye inshorensi abemi kwamanye amazwe, ayiboneleli ngenxa yonyango "izilonda" bakho obudala kunye yamandulo. Ukuba kufunyaniswe ukuba iingxaki zempilo - ngenxa yokugula lakho esingapheliyo, intlawulo unyango uya sikhatyiwe.

Okulandelayo - uvalwe ngokupheleleyo ukusetyenziswa kotywala kunye kwezinto psychotropic. Ukuba kufunyaniswe ukuba ngexesha lomsitho benefits egazini lakho kwaba kancinci utywala okanye iziyobisi ezingekho mthethweni - nawe wokhanyelwa hlawuleka.

Enye into ebaluleke kakhulu - kuba yimfuneko yokuqokelela amaxwebhu (iingxelo zamapolisa, imbali yezonyango, iitsheki), ezinxulumene nale yengozi inshorensi. Oku kubaluleke ngakumbi, kuba akusoloko ukuhamba inshorensi kuquka imbuyekezo iindleko xa ezenziweyo - ngamanye amaxesha ukufumana ezivela kuphela ekubuyeni kwabo, njengoko ubungqina ngokusebenzisa iphepha-ikhankanywe ngasentla.

Amaxwebhu-inshorensi

Ukubeka ipolisi ye-inshorensi, njengoko umthetho, ayidingi amaxwebhu ezikhethekileyo - phantse yonke uyinkampani yokundwendwela wayo nje omnye. Ukuza kuthi ga ngoku akukho mfuneko ukunika lokuqala - kunjalo, umzekelo, iinkampani ezininzi zifundisa kuyilo lomgaqo-nkqubo nge-Internet, kananjalo kube lula kakhulu, ngenxa yokuba konga ixesha kunye nomgudu. Uyakwazi bancome inkonzo Cherehapa.ru elula kakhulu, nto leyo wosondeza ukhetho kwi-imfuno, iinkampani eziliqela apho kuya kuba lula ukukhupha umgaqo-nkqubo siza kwi "online".

ngenxa

Ngoko ke, siye sagqiba ukuba i-inshorensi leyo kwakusafuneka. Kulo mba, nanga amanye amacebiso elinokunikwa nawuphi na umntu eya phesheya.

Lokuqala - khetha ngenyameko inkampani ye-inshorensi kunye neenkonzo uncedo, kuyilo-nkqubo, kucelwa ufunde zonke izinto. Chitha ixesha kwi ukufunda ngenyameko, ngoko ke kwakungekho iziganeko ezingemnandi nokungaqondani!

Okwesibini - zama ukuphepha imisebenzi engabandakanywanga ngesivumelwano sakho.

Okwesithathu - ukuba amatyala ekhankanyiweyo kodwa kwenzeka, ngoko nangoko qhagamshelana iinkonzo inshorensi kunye noncedo. Kwangaphambili izithombe ipolisi yakho inshorensi ukuba kwamanye amazwe.

Ukwenza le mithetho elula kuya kukunceda uphume neemeko ezinzima ilahleko yemali engephi. luck ezilungileyo kuwe zokuhamba uhlale uphilile!