Umshwalense premium - kuyiqiniso

Eminyakeni yamuva, ngokuya wezwa kusuka esikrinini TV noma kweminye imithombo yokwaziswa mayelana umshwalense. Ngokuphathelene ingxenye ayimpoqo - lena kulula (akukho ukukhetha: ukuba inqubomgomo noma ungenayo). Kodwa ingxenye yokuzithandela izivikelo kungenzeka idinga ukuqaphela ngaphezulu zomphakathi kule ndawo. Ake sixoxe umshuwalense wokuphila. ukubaluleka kwalo futhi isidingo sokuba ngamunye.

indaba

Kusukela yomshwalense eqalwe ku eNgilandi ekhulwini XVIII. Kakade Ngekhulu leminyaka elilandelayo, lo mbono walethwa eJalimane, eFrance, United States, tsarist Russia. Izimiso eziyinhloko zomsebenzi asetshenziswa kakhulu ezweni lanamuhla. 90% abantu eYurophu nase Melika namuhla umshuwalense wokuphila. ERussia, lesi sibalo sincane kakhulu.

Umgomo we operation

Umshwalense isimiso ngokwawo elula neqondile. Umuntu okhokhela i-premium (it is a ethile imali ukuthi ikhokhelwa enkampanini yomshuwalense ukuze bathole inkonzo umshwalense). Umcimbi oVikelwe olunikezwa inkontileka - iklayenti noma nabalandeli bayo (esimweni ukufa umuntu oVikelwe) etholwe ethile. Njengoba for umshuwalense wokuphila, khona-ke futhi umshwalense, futhi ukonga imali. Kusukela umshwalense premium (umshwalense imali) - a utshalomali yemali umuntu ukuze athole inzuzo. Amakhasimende imali inkampani otshala imali amathuluzi ehlukahlukene yezezimali (ingcebo, izibambiso, zifakwe ebhange, njll). Ekupheleni inkontileka umuntu ibuyiswa, isamba iminikelo umshwalense plus engenayo utshalomali. Uma kwenzeka kufa kwesamba ngaphambi kokuphela imali inqubomgomo inani okuvunyelwene isamba oVikelwe ikhokhelwa labo okulindeleke ukuba bahlomule (ngokuvamile ilungu lomndeni).

ukuthandwa

ERussia, ku umshwalense yokuzithandela, ngokuvamile, umuntu echitha up 2% umholo. Nakuba amazwe amaningi aseYurophu izakhamuzi, kuthatha 1/3 imali nyangazonke. Isizathu esiyinhloko salokhu unpopularity, ngokuvumelana izinkampani zomshuwalense, kuyinto zokungazi abantu mayelana lo mkhiqizo futhi butholakala enqubweni eyinkimbinkimbi yayo. Ngenxa yalokho - ukwesaba ukuthi imali kufanele banikezwe iminyaka engu-10 noma ngaphezulu abantu kuyinto kunalelo isifiso lokuzivikela bona nabathandekayo babo, kuyilapho ukuhlinzeka capital uqobo. Nokho umshwalense emakethe layfovogo ethuthuka ngokushesha. Ngokwe-Association of yomshwalense, amaphrimiyamu ngo-2013 kukhuphuke ngo-40,6% uma kuqhathaniswa no-2012. Kulawa, elithi a sum eqoqwe for umshwalense impilo yezakhamuzi liye landa ngamaphesenti 59,9%. Kule minyaka emine edlule, ubukhulu emakethe isibe kasithupha.

Demand ezinhlelweni izingane Russian sika. Kulokhu, lo umshwalense premium - ikusasa ingane, okwakusho abaseRussia uhlale inombolo umbuzo 1.

ukubaluleka

Yini eyenza uhlelo umshuwalense wokuphila ungumuntu?
• Ukuvikelwa wezimali uma ukufa, ukukhubazeka, kanye nezifo ezihlukahlukene.
• Ithuba lokonga ukwehla kwamandla emali.
• Ukulungiselela imali utshalomali.
• Ukudala dolobha lekusasa wena ilungelo ifa bahlomule.
• Ukudala dolobha izingane zabo.

kuvikela

Ukuze emhlabeni we engu-200 edlule, akukho inkampani yomshuwalense layfovaya akuyona ungeke uzithole usuwile. Lokhu lula ukulawula obucacile bemisebenzi yabo nguhulumende kanye isimiso Reinsurance.

amathuba

Ukuze njalo imali, kudingeka bakwazi ukulahla ngokufanele. Ngisho ngemali encane ayeyithola kungenziwa nemibono 10%. Yenza inkokhelo umshwalense - okusho ukuthi akhokhe ukuhlamba baziphonse kuqala, bese bonke abanye izinzuzo echaziwe. inqolobane Cash ukusiza ezimweni ezibucayi kakhulu.