Hlangana ne-inshurensi!

Ubomi bethu buzaliswe yimimangaliso, ngamanye amaxesha ayilona yinto ehle kakhulu. Nawuphi na kuthi unokujongana nelokuba uya kubanjwa phakathi komhla okanye umlilo kwindlu okanye indlu (kwaye kungekhona iphoso lakho, kukho nabamelwane) okanye iziganeko ezingokwemvelo ezinokungaziphathi kakubi ziya kuphazamisa inkambo yezinto eziqhelekileyo. Kukho ukudibanisa kweemeko ezingaxhomekeke kuthi. Kuvela kwiimeko ezinokuthi singagcina igosa yomshuwalense, okanye kunoko, inshuwalense, eyenzelwe ngoncedo lwakhe.

Ngubani na lo mntu oyimfihlakalo osinikela iinkonzo xa sonke sinobuhle kangaka, kwaye sishiya imali ngenxa yezoyiko ezingenakuze kube nzima?

Ummeli we-inshurensi ngummeli wenkampani yomshuwalense ophakathi kwabaxhasi (abantu abafuna ukufumana iinkonzo zomshuwalense) kunye ne-insurer (inkampani enika iinkonzo zomshuwalense kwaye enyanzelekile ukuhlawula inani elithile xa kwenzeka isiganeko esiqinisekisiwe). Wanikwa ilungelo lokugqiba iikontraka egameni leenkampani.

I-inshente ye-inshorensi iya kukunceda ukhethe uhlobo olungcono lwe-inshorensi kwaye uyilungele kakuhle. Nguye oya kunxibelelana nawe egameni lekampani yomshuwalense kulo lonke ixesha le khontrakthi.

Ummeli ngamnye we-inshurensi ungumthengisi, isazi sezengqondo, i-economist kunye nomhlalutyi. Kwaye zonke zifakwa enye!

Ukuba namandla amakhulu, ummeli womshuwalense womsebenzi uthatha nzima. Cinga ngabo.

Ummeli we-inshorensi unyanzelekile:

1. Ukugqiba kunye nokwenza iikontraki zombini yomshuwalense wabantu kunye nepropati, ukuqinisekisa ukuphunyezwa kwabo, kunye nokwamkela iipresimesi zomshuwalense.
2. Ukuqhuba uphando olusebenzayo kwaye uqaphele abathengi abanakho, kunye nokugcina iirekhodi zezinto ezinokuthi zenze izinto zomshuwalense kunye ne-inshurensi.
3. Unako ukunika uqikelelo olwaneleyo lwexabiso lezinto zomshuwalense.
4. Yazi ummandla kunye nemfuno yeentlobo ezithile zeenkonzo zinshorensi.
5. Ukuqhubela phambili, iingxoxo eziqiqa kakuhle kunye nabaxhasi abanokukwazi ukugqiba iimvumelwano ezintsha nokuvuselela abantu abadala.
6. Nokwazi ukuseka ithemba kunye nabaxhasi , wazi iinkcukacha zabo zokucinga nokukhuthaza ukuziphatha.
7. Ukulinganisa ngokulinganayo iqondo kunye neendlela zokubeka ingozi xa kugqiba izivumelwano, ngokuqwalasela ubudala, impilo, ubulili, ubuncinci bezinto eziphathekayo kunye nezinye iimpawu ezibonisa umthengi.
8. Ukwazi ukubala ngokufanelekileyo iimali-mali ze-inshorensi, wenze amaxwebhu e-inshorensi kwaye uqinisekise ukhuseleko lwabo.
9. Ukuze sikwazi ukukhuthaza ukunikezelwa kweenkampani zomshuwalense kwiimarike zeenkonzo, kusetyenziswa iinkqubo zezopolitiko kunye nezentlalo-nkqubo eziqhubekayo ukwenzela ukudala imfuno enzileyo yeenkonzo zonyhorensi ezikhuthaziweyo.
10. Ukubonelela abathengi ngolwazi olubanzi kuyo yonke imiba enxulumene nemimiselo yomshuwalense.
11. Ngexesha elipheleleyo le khontrakthi ephelileyo, qha ga mshelana nabathengi abaye bakhupha isivumelwano sokubonelela ngeenkonzo zinshorensi. Vumela zonke iingxabano, izikhalazo, amabango.
12. Uyakwazi ukuchonga ukuvela kwesiganeko esiqinisekisiwe ngokuhambelana nesivumelwano, ngokufanelekileyo ukwenza uvavanyo lwayo kunye nenani lembuyekezo yentlawulo yomshuwalense, ngokuqwalasela yonke imigaqo.