Professional udindo inshuwalansi

The zambiri kutsimikiza awo ntchito akatswiri ngati Professional:
• madokotala Private, makampani opanga mankhwala ndi mabungwe kuti agwire mayesero matenda a mankhwala
• Auditors ndi zachuma
• mapulani ndi opanga
• Private notaries ndi achilamulo
• Miyambo osinthitsa ndi alonda payekha
• Zosintha pa katundu ndi okwera
• Ogulitsa ndi Kutsatsa Nyumba, appraisers ndi akatswiri ena
Malinga ndi mgwirizano inshuwalansi adzakhala azilipira mavuto onse kuti thanzi la munthu ndi moyo, imfa vuto la kuwonongeka kwa chuma, kuwononga makhalidwe abwino, imfa ya phindu ndi kuwononga mbiri ya insurer a.

Professional udindo inshuwalansi indemnifies kumawononga osati kokha, komanso chimakwirira ndalama angalongosolere zochitika, kudziwa mlingo wa vuto la Mkuluyo, chindapusa bwalo ndi ndalama za chithandizo cha zamalamulo.

Akatswiri amene amachita akatswiri udindo inshuwalansi, ali ndi mlingo pa choopsya malinga ndi kutalika kwa msonkhano ndi zoyenera, momwe ayenera zonena za makasitomala, mtundu wa ntchito ndi ndalama mautumiki awo. Nkhani ndi kupezeka zodzinenera m'mbuyomu. Mitengo pafupifupi inshuwalansi osiyanasiyana kuchokera 0.5 kuti 1.5%, ngakhale chiopsezo apamwamba limatuluka kuti 5% ndi otsika Mwina chochitika inshuwaransi yafupika 0.2%.

M'zaka zaposachedwapa, nambala madandaulo kwa makasitomala amene akuvutika chifukwa cha ntchito osauka ntchito kuwonjezeka. Choncho, kasamalidwe makampani ndi mabungwe kuchititsa akatswiri udindo inshuwalansi antchito ake, pofuna kupewa zomvetsa ndalama kumawononga kwa makasitomala, kusowa nthawi ndi chifaniziro litigation. Pankhaniyi, onse a kuopsa ndi inshuwalansi kampani zimatengera, izo zimapangitsa ndalama kwa anthu ovutika. Choncho, outflow makasitomala ndipo chotero, zomvetsa ndalama sizidzachitika. Kupanga inshuwalansi limatitsimikizira makasitomala mu kampani ya chikhulupiriro zabwino, zimene amaganizira zofuna za mabungwe onse, makasitomala ndi anzake amalonda.

The auditing kampani imapereka akatswiri udindo inshuwalansi auditors, chimakwirira zambiri za kuopsa akuwuka kwa zolakwa akatswiri:
• Kubwezera ndi kusamalila bwino kulongosola ogwira
• Pokonzekera mawu chuma ndi mafomu a msonkho
• Pa kafukufuku zolembedwa audits
• Pamene kupereka malangizo pa msonkho, chuma ndi ndalama malamulo

The kampani ya inshuwalansi adzakhala kulipira kumawononga kwa makasitomala, amene anauka kudzera vuto la auditors pa malipiro tsankho misonkho, ndalama zonse litigation, kuphatikizapo misonkhano ya loya ndalama Kubwezeretsa, zomwe zinawonongeka zinachitikira inshuwalansi. Ndalama zimapangidwa ndi bwalo.

zipatala Medical, malo kafukufuku zikugwira matenda ndi chithandizo cha odwala pa amalipiritsa maziko, achite akatswiri udindo inshuwalansi akatswiri chisamaliro chaumoyo. Zimenezi ndi zoona makamaka kwa madokotala, obstetricians, neonatologists, mano, Anesthesiologists ndi odwala mwakayakaya akatswiri, chifukwa chakuti ali ndi chidwi kudziteteza ku mlandu wa kukhoti mwa wodwala pa chipatala cha utumiki osauka. Kutsimikiza maudindo awo ndi madokotala payekha chiphatso.

Mwambo inshuwaransi wa mgwirizano wa inshuwalansi udindo akatswiri a madokotala anazindikira zoipa ndi moyo wa wodwalayo pa matenda, pamene mankhwala ndi pa yatsoka ndi imfa kasitomala mu kulakwitsa posakonzekera inshuwaransi.

Pamene pangano akatswiri udindo inshuwalansi pakati pa inshuwaransi (bungwe) ndipo ndi insurer (inshuwalansi kampani) ayenera zodziwika bwino mawu a mgwirizanowo kuti ndi mwambo inshuwalansi ndi kuchuluka kwa malipiro inshuwalansi, mkati limene chipukuta misozi.