Inshorensi ezinika aphesheya: ncomo, iinkampani mlinganiselo

Abo badla zindwendwele ngaphesheya, nje ukuba uyilo ipolisi ye-inshorensi - akukho asingomkhwa, kodwa kubalulekile ngqwabalala. Ngapha koko, umhambi ephuma kwindawo yazo eziqhelekileyo, kwaye umgaqo-nkqubo iya kukunceda ukuba bazive bekhuselekile kwilizwe lasemzini. Oko kuquka inshorensi kwamanye amazwe? Ukuphonononga kufuneka wenze i-inshorensi ezinjalo, Kakade ke, ukunceda ukwenza ukhetho olufanelekileyo. Kodwa ke kuluncedo ukuba bafunde oko ngeempawu ezicacileyo zolu hlobo lwe-inshorensi kufuneka zibonelelwe yaye kangakanani indleko njenge "iziyolo".

Iimpawu ze-inshorensi "umbhalo"

Ukuya kwi uhambo, khumbula ukuba naliphi na ilizwe ehlabathini akayi kunivumela ukuba, ukuba ngaba awunayo i-inshorensi. Yile xwebhu isiqinisekiso sokuba xa into eyenzekayo kwilizwe lasemzini, iinkonzo zothutho kunye nonyango ngexesha ziya kunikwa ngokukhawuleza nangokupheleleyo. Ngoko ke samkele into yokuba inshorensi kwamanye amazwe - oku yimfuneko ongqwabalala, yaye nokuba sele uqinisekile ukuba akukho nto banokuyenza ukuze kwenzeke, ukuze likhuphe le nkqubo ukho kum.

Kukho inshorensi ezahlukeneyo, yaye iindleko kuxhomekeke kwizinto ezininzi. Ngoko ke, ngaphambi kokuba uhlawule 'igazi' abo inkampani, kubalulekile ukufunda ngenyameko iimeko ecetywayo.

ubungozi inshorensi

Zonke iinkqubo ezinikezelwa ziinkampani-inshorensi, zingahlulwa zibe ngamaqela amabini amakhulu - version standard kunye neklasi elite. Umahluko kwi ukuphelela yeseti imingcipheko nesigqubuthelo.

Iphakheji standard linikeza:

• nokubuyisela unyango ngokukhawuleza xa kuthe lwesiganeko inshorensi;
• zokuhamba simahla kwisibhedlele ekufutshane, yaye, ukuba kuyimfuneko, - kokunikezelwa isigulane kwilizwe lokuhlala, ekhatshwa ngoogqirha;
• ubonelelo ngeenkonzo zonyango kwi-site (umkhosi elizweni), unyango kwezigulane, esibhedlele apho kuyimfuneko;
• kukubuyisela ixabiso namayeza amiselwe ngugqirha;
• amazinyo yonxunguphalo;
• kuhlelwa kwe benefits xa kukho ukufa kwakhe.

Ukongeza zonke izinto ngasentla, kwiseti "elite" lweengozi inshorensi ziquka:

• ubuyele ekhaya, kwaye abuyisele iindleko amatikiti kwiimeko obonwa yi siganeko-inshorensi;
• yokuphelisa yokuqala uhambo xa kuthe kwasweleka kwisizalwane esisondeleyo, imbuyiselo amatikiti kwinkampani ye-inshorensi;
• undwendwele enye izalamane ye-inshorensi (amatikiti ngeendleko ze-inshorensi) kwimeko apho esibhedlele umkhosi elizweni ngaphezu kweentsuku ezingama-10;
• unikezelo kwindawo yokuhlala kwabantwana (abangaphantsi kweminyaka eli-16) ukuba uMntu oKhuselwe ngeInshorensi, ekhatshwa umqeshwa inkampani kwiimeko apho oKhuselweyo esibhedlele iintsuku ezingaphezu kwe-10;
• inshorensi yengozi olongezelelweyo;
• nokubuyiselwa nezinye iingozi ezinxulumene ne yokuhamba - impahla elahlekileyo, igqwetha, ukhutsho ukusuka ehotele ngesizathu esithile okanye enye.

Nceda uqaphele ukuba i-inshorensi okhulelweyo, phesheya naye badla nazo kwiseti eqhelekileyo lweenkonzo kunye neendleko ezongezelelweyo. Kwakhona imali imingcipheko ezongezelelweyo ezinxulumene ngeentlobo kakhulu yokuphumla.

Isixa coverage inshorensi

Inshorensi ukuba baye phesheya yaba yeyona ophezulu ezikumgangatho ofanelekileyo, kufuneka bazazi ezinye iinkcukacha ezibalulekileyo, oko kukuthi - malunga mali iphezulu kangangoko komonakalo.

Eli nani ixhomekeke kanye apho uya khona wena. Kuba amazwe Schengen , le mali kufuneka ube kumgangatho we-30 amawaka. Euro. Moldova, Ukraine kunye Belarus, apho, njengokuba sisazi, ukhathalelo lwempilo ayibizi kakhulu, kusenokuba kwanele kunye mali amawaka 15. Idola. Kodwa ukuba ufuna kumazwe apho amayeza lubiza kakhulu, umzekelo eJapan, i-USA, Australia okanye eKhanada, kuyimfuneko ukuba benze i-inshorensi esingekho ngaphantsi kwe 50-70 amawaka eerandi.

Ngenxa yeendleko zamayeza umkhosi elizweni, inshorensi adla ngokwamaqela izindululo wayo ngolu hlobo lulandelayo:

• ezweni Schengen;
• kwamanye amazwe aseYurophu;
• amazwe ico;
• eYiputa;
• Turkey;
• lonke ihlabathi (kungabandakanywa ico, Australia, eJapan, eKhanada kunye US);
• ihlabathi lonke.

yobudala

Enye header yahlula-inshorensi kwamanye amazwe - oku ke obu le-inshorensi. Kuxhomekeka kule parameter iinkampani babelana abathengi ngolu hlobo lulandelayo:

• ukuya ku ngonyaka;
• iminyaka 1-3;
• iminyaka 4-15;
• iminyaka 16-64;
• iminyaka 65-75;
• ngaphezulu kwama-75 iminyaka.

Kuyabonakala ukuba ukususela ekuqaleni ukuya kumhlathi wesine yeendleko inshorensi sinciphile kwaye ukusukela lwesihlanu linyuke kakhulu. Imali ubuncinane kwinkampani ye-inshorensi iya kuhlawula abahambi inkonzo phakathi kweminyaka eli-16 ukuya kuma-64, kodwa abantu abangaphezu 75 kufuneka ifolokhwe phandle.

Yintoni Assistance

Ingongoma ebalulekileyo kakhulu kulo mba, njengoko inshorensi phesheya, kuba phambi inkampani uncedo kwilizwe ohlala kulo. Kuthetha ukuthini?

Uncedo - uliqabane le-inshorensi yasekuhlaleni ukuba uza kunigcina nonke kwilizwe ohlala kulo. Ukuba iholide kwakho into eyenzekayo, ukuqinisekisa ubonelelo unyango, ukuziswa esibhedlele, intlawulo amayeza kwaye njalo njalo - yiloo nto bona. Ngoko xa ukhetha i inqaku inshorensi nje yokuba ukuba abe namaqabane angaphandle, kodwa kwakhona ukuba kungenzeka oku iqabane inkxaso Russian abathetha gqitha.

Ukuba inkonzo uncedo kwi-inshorensi yakho na, ngoko zonke iingxaki kwilizwe langaphandle kufuneka ugqibe. Kaloku, ukuba ube nolwazi olwaneleyo ulwimi kunye isixa obuphathekayo mali ekhoyo. Ukuba akunjalo? Nokubuyiselwa iindleko zakho, ungafumana kuphela xa efika ekhaya, uze emva koko - ukuba unako unganikeza amaxwebhu kwezibonelelo zonyango lwangaphandle zonke zitampu ezifanelekileyo kunye atyikitye.

Ixabiso inshorensi - ntoni kusiya?

Njengoko sele sibonile, ixabiso umgaqo-nkqubo ixhomekeke kwizinto ezininzi - ukwanda kwamanani kakhulu ebanzi. Konke kuxhomekeke, yintoni na umngcipheko ofuna, zisindise ukuthi umdala kangakanani na yaye apho uya khona wena. Kwakhona, ixabiso inshorensi abachatshazelwa yi ubukho kunye 'Unjengokuphola "yeenkonzo yenkampani-uncedo kunye zokuhamba.

Ukongeza, ixabiso le nkqubo kakhulu kuchaphazela injongo Travel: Ukuba ufuna kulala cwaka elunxwemeni - le, kodwa ukuba uceba skydive okanye ndiqubhe - into eyahlukileyo. Omnye umba ochaphazela iindleko-nkqubo - ebusweni franchise, oko kukuthi, ukuba imali (ubuncinane) apho inkampani ye-inshorensi ayiyikukuhlawula. Umzekelo, ukuba zicaciswa gca kule mvumelwano itsalelwa of $ 500, kunye nonyango ngexabiso le-499, akukho namnye kuni musa ukubuya.

Nazo zonke ezi mpawu iindleko ze-inshorensi nkqubo ukwenzela abahambi ingahluka nekhulu ezimbalwa ukuya emashumini ezimbalwa amawaka engange.

inshorensi ezinika aphesheya - iinkampani ukukala, apho ahlaselwe

Ukuya kwamanye amazwe kwaye ekufuneni inkampani apho unako ukuthenga i-nkqubo, kuyimfuneko ukuba uyeke ingqalelo kuphela kakhulu omthembileyo ngobukhulu. E mveliso ezincinane, Kakade, inshorensi zinokubiza ngokoqobo iipeni, kodwa uncedo wokwenene kubo, apho mzekelo, unako ndandikhangele.

Ngoko ke, ugqiba ukuba uthathe i-inshorensi kwamanye amazwe. Rating of Iinkampani ze-inshorensi phambili kweli candelo liza kukunceda. Emva kokuhlalutya imisebenzi abaninzi kubo, ungenza malunga luhlu lulandelayo:

• "Inshorensi INTOUCH".
• "Zhasko".
• "Ingosstrakh".
• "RESO-Guarantee".
• IC "PPF Life Insurance";
• Sberbank;
• "FAC".
• "SOGAZ".
• "VTB".
• "Rosgosstrakh".
• "Uralsib".

Kakade ke, olu luhlu ngandlel luluvo, umthengi ngamnye ungenza zabo, kwaye uya kuba tye. Ngamnye kubo bobabini kuneengxaki kunye eziluncedo. Umzekelo, i-inshorensi kwamanye amazwe Sberbank (kunye nezinye iinkampani ezininzi), siphakamisa ukukhupha ngaphandle kokushiya indlu, usebenzisa inkonzo kwi website yayo.

Indlela yokubona-inshorensi elungileyo

Okokuqala kuyimfuneko ukutyelela buqu i-ofisi lombutho ezikhethiweyo kwaye uqinisekise ukuba le nkampani analo zonke mvume kunye namaphepha-mvume ukuze benze olu hlobo inshorensi.

Ngocoselelo ngokutsha uluhlu lweenkonzo - kuba banzi ngcono. Khetha uluhlu lweengozi, kungcono kuwe, kodwa ungayibaxi kunye neentsilelo. Bekuya kuba lihlazo ukuba kuyenzeka kuwe into yintoni ayiquki inshorensi. Lindela kubuyiselwa kulo mzekelo akukho mfuneko.

A bazijongisise isivumelwano, ingakumbi abo beka kuyo, leyo zicwangciswa print encinane. Musa ukuthandabuza ukubuza umphathi imibuzo emininzi - kufuneka uqonde ngokucacileyo ongazilindela xa into eyenzekayo.

Khetha kuphela inshorensi enkulu-kuvavanywa, ingakumbi xa uceba uhambo olude. Ukuba i-yaziwa kancinane ngokuqinileyo imini-nye ngexesha uhambo lwakho zonakale, size ekugqibeleni, ungalindela inkathazo enkulu.

Kwakhona, cinga malunga nokwenzeka yobhaliso ye-nkqubo, ukuba inkampani akanalo iqabane kweli lizwe ecetywayo lokuhlala. Khumbula, i-inshorensi esemgangathweni ziya kukuvumela ukuba bazive bekhuselekile kude nekhaya.