Mokakamizidwa inshuwalansi chikhalidwe monga mchitidwe wa boma thandizo la anthu

Moyo si zosangalatsa mphindi, komanso zokhumudwitsa. Inde, anthu kapena mavuto ena, sitingathe kudziteteza, koma kuti inshuwaransi vuto la mwadzidzidzi mwaufulu munthu aliyense. Boma, kuti patsogolo miyoyo ya nzika amene, chifukwa cha zovuta zina, simungathe kuchita ntchito, anayambitsa mokakamizidwa inshuwalansi chikhalidwe. Chilamulo Federal "Pa maziko a inshuwalansi chikhalidwe mokakamizidwa" anadza ku mphamvu pa 16 July 1999. Ake kulimbikitsa ena malamulo ena feduro. Kuyambira nthawi imeneyo, nzika iliyonse amene akufuna kupeza ntchito, muyenera kulemba pangano malinga ndi zomwe iye afunika kulipira mwezi premiums. Ndipotu, si kanthu koma msonkho zotchinjiriza moyo.

Malingaliro ngati kufunika ambiri kuti mokakamizidwa inshuwalansi chikhalidwe, kumene, anagawa. Anthu ena sakuona zimenezi monga chirichonse zothandiza, pamene ena, akudziwa bwino kuti mu moyo chilichonse chingachitike, mu mgwirizano odzaza ndi kufunika linakhalapo. Kodi thandizo boma angasonyeze? Mokakamizidwa inshuwalansi chikhalidwe kumaonekera kukachitika kuti adzabwera kuchokera zotsatirazi mavuto inshuwalansi :

· Kugwira nzika thanzi amafuna chithandizo;

· Pa ndondomeko ya ntchito wantchito sanachitiridwe choipa mafakitale kapena anali ndi matenda a kuntchito ;

· Panali chilema zosakhalitsa;

· Zolawula umayi, mwana kusamalira zaka 1.5;

· Imfa ya breadwinner ya;

· The wantchito wakhala kuboma monga lova;

· Kupunduka;

· The imfa ya munthu inshuwaransi kapena ena, ambiri olumala, wachibale amene amadalira iye.

Kuyambira onse tikhoza amanena mawu otsatirawa: ngati munthu ntchito sinditi amalipira ndalama, ndiye analowa wina wa zinthu zakumwamba mosavuta kukhala osauka. M'mawu ena, iye akapanda boma thandizo, omwe akanamuthandiza kuthana ndi mavuto a moyo.

antchito Social inshuwalansi - ndi chitsimikizo kuti munthuyo si ndekha ndi mavuto awo. Aliyense chiopsezo inshuwalansi anatsindika malipiro ndalama, kuchuluka kwa amene anapereka pambuyo popereka inshuwalansi kampani zikalata kuti atumikire monga maziko paudindo. Mitundu ya malipiro inshuwalansi monga:

· Malipiro ndalama zonse mankhwala amagwira ntchito pa chipatala;

· Old zaka penshioni, wolumala ndipo opulumuka;

· Buku disablement zosakhalitsa;

· Ubwino mogwirizana ndi chiphaso cha kuvulala kapena matenda a kuntchito;

· The titsate mimba, pobereka ndi kusamalira mwana mpaka zaka imodzi ndi theka;

· Mpukutu pamodzi malipiro pamene boma mimba oyambirira ndi akangobadwa.

· Malipiro a mavocha kwa spa chithandizo;

· Maliro phindu.

Munthu inshuwaransi ali ndi ufulu kulandira malipiro inshuwalansi, komanso kuteteza ufulu wawo ngati zisakuyenda. Komanso munthu inshuwaransi chofunika kuti apereke mwezi, kupatulapo ngati tasonyeza amaperekedwa ndi boma, ndipo m'nthawi yake kupereka zikalata zonse kungafune kampani inshuwalansi kapena insurer. Ndiyeno munthu wozengereza inshuwalansi, ali ndi ufulu amafuna munthu inshuwaransi a zikalata zofunika kuchita ukatswiri zina kukhazikitsidwa kwa chiopsezo inshuwaransi, kusonkhanitsa zopereka kwambiri ngati n'koyenera. Kugwilizana ndi zofunikira za insurer ali wofunikila kapena kukana malipiro (ngati chiopsezo inshuwalansi sichinayambe anatsimikizira), kapena perekani malipirowo potengera mtundu wa inshuwalansi chiopsezo.

Tikumbukenso kuti mokakamizidwa inshuwalansi chikhalidwe zikugwira ntchito kwa anthu amene si yokhala anakonza ntchito. Pamaso mmene zochita mwanzeru, muyenera kuganizira bwino zimene ndi bwino: misonkho ndi kulandira boma thandizo kapena dyera, umphawi komanso kumva munthawi zovuta za moyo.