Iholide yoBugcisa - Usuku lwe-Insurer

Akukho mntu oza kubonisa ukuba ubomi bethu yinto ebalulekileyo kunayo yonke into esinayo. Zonke iingxaki eziphathekayo kunye nezakhiwo ezingashenxiswayo zivela kwimvelaphi xa kukho iingxaki zobomi nempilo. Ngoko ke, kuyaqondakala ukuba unqwenela ukuqinisekisa ubomi bethu. Abantu bentsebenzo ebalulekileyo basinceda kule nto. Iphethe igama eliqhoshayo - umshwalense. Ngonyaka, ngo-Oktobha 6, aba bantu bagubha isiganeko sabo sobugcisa. Lo ngumhla we-inshurensi.

Ukuba ukhangeleka kwimbali, ngoko kwiRashiya yangaphambi kokuguqula iimvavanyo zokuqala zenziwe ukudala isikhungo se-inshorensi. Ngekhulu le-18, uMpress Catherine umyalelo wesibini wakhupha imiyalelo yokukhusela izindlu zamatye, kunye neehoktri kunye neefrikansi, kwiingozi. Emva koko, bebebheyile kwiBhanki ye-State Terran. Ngaphantsi koMlawuli uPaul I, kwakukho iinkqubo zebhanki eziqinisekisa ezinye iintlobo zeempahla. Kwaye ngo-1826 ngokokuqala ngqa iBhunga likaRhulumente lenze uluntu lokuqala lukhusele emlilweni. Kodwa ngowe-1921 umsebenzi womzimba wombuso phantsi kwegama likaGosstrakh waqala. Ngo-Oktobha 6, umthetho we-inshurensi wadluliselwa . Kususela ngeli mini ukuba iholide enobungcali obuhle kakhulu igujwa ngokusemthethweni . KwiRussia yaseSoviet, yonke imisebenzi yomshuwalense yayiyimfanelo ekhethekileyo yombuso. Ukutshintshwa kwehlabathi jikelele kweli shishini kwenzeka ngowe-1988. Emva koko umthetho wokubambisana wamukelwa okokuqala. Ukususela ngoko, amaziko amancinci sele aqale ukubonelela ngomshuwalense. Kunyaka ozayo, uluntu lokuqala lwentsebenziswano lwavuka.

Sinokutsho ngokuqinisekileyo ukuba umhla we-insurer waseRashiya ngumcimbi oqaqambileyo kwinani leeholide lobuchwepheshe. Isingqungquthela esinobuchule besimo sokuphila esakhayo sidala inkcubeko eyahlukeneyo yokukhusela impahla kunye nempilo. Kucacile ukuba iiklasi ezimbalwa ezedlulileyo, ekuqaleni kokuvela kwayo, izithethe ze-inshorensi zazingabalulekanga kakhulu kubantu abaninzi. Abaninzi babengenakuqonda ukuba yintoni le ntsimi yenkqubo. Kancinci, abashishini bezentengiselwano kunye nabahwebi bafumene inzuzo epheleleyo kubo, enika i-inshurensi. Baphupha ngokukhusela imveliso yabo kunye nemveliso yabo kuzo zonke iintlobo zezinto ezingalindelekanga zezinto kunye nezinye izinto. Namhlanje, ngenxa yemibutho ekhethekileyo, sinokuziva sizikhuselekile. Ngako oko, imini yomshuwalense waseRashiya ayikho iholide kuphela yeengcali ezisebenza kule ntsimi, yiholide yomntu wonke ofuna ukujonga kwikamva ngesibindi.

Umsebenzi wabasebenzi bee-inshubhe ze-inshorensi ayikho nje uxanduva. Udla kakhulu. Ukongeza, imisebenzi enjalo inokubandakanya ingozi ebomini. Kwenzeka ngaphezu kweyodwa xa kufowunelwa umnxeba ngokukhawuleza. Wayeyingcali eyanikezela iinkonzo zakhe nge-inshurensi yezindlu, iimoto nezinye izinto. Ngamanye amaxesha siyayinqabela le nto, sibeka izinto ezibalulekileyo kwibhokisi ende. Kodwa ngamanye amaxesha kufuneka uzisole. Umhla we-inshurensi uyilungelo lokubonga aba bantu ngenxa yomsebenzi wabo ongenalwazi kwaye onamandla kakhulu, osinika ithemba kwixesha elizayo, nangona zonke iintlobo zezinto ezingafunekiyo.

Namhlanje inkampani entsha ikhokelela ishishini lomshuwalense eRashiya. Lo ngu Rosgosstrakh, oquka iiyunithi ezizodwa. Benza inzuzo yonyango kunye nepenshurensi. Kwiindonga zale nkampani, kuye kwadalwa indlela ekhethekileyo yemali. Ikuvumela ukuba uzalise zonke iimbopheleleko zemali phantsi kweenkontileka ze-inshorensi. Umanyano usemgangathweni wokuphuhliswa rhoqo kunye nokuziphucula. Ngokomzekelo, ukuya kwiminyaka eyi-90 yokuqala kwayo, inkampani iphumelele "i-90 izithembiso". Ngo-2011, le nkqubo iphunyezwe ngokupheleleyo kwaye iphumelele. Ngethuba leminyaka, iinkampani ze-inshorensi zenze umsebenzi omkhulu, ukuqinisekisa ukuphila kwethu okuzolile kunye noxolo. Ngoko sinokucinga ukuba imini yomshuwalense ayikho iholide ekhethekileyo, kodwa umcimbi wenene wobuzwe.