Yintoni yomshuwalense wezemidlalo kumntwana kwaye kutheni kubalulekile ukubhalisa

Ngamnye wethu, ngokuqinisekileyo, uyazi malunga neenzuzo zemidlalo, ingakumbi kumzimba wabantwana. Nangona kunjalo, ungayikhohlwa ukuba nayiphi na imisebenzi yemidlalo inxulumene nesifo esithile. Ukukhusela impilo kunye nobomi bomdlali omncinci, abazali bafuna kuphela i-inshurensi yezemidlalo kumntwana. "I-Rosgosstrakh", "Max", "Advant", "Ingosstrakh2" kunye nezinye iinkampani zide zandisa uluhlu lwemveliso yomshuwalense kwaye ziyakuvuyela ukunika inkonzo enjalo.

Kutheni ufuna ukuyenza inshuwalense yezemidlalo?

Ngenxa yokuba abantwana bayasebenza kakhulu kunabantu abadala, kwaye kaninzi abakwazi ukuhlala bemi, amanqaku amaninzi ezemidlalo (nakwii-clubs ze-chess) azivumelanga nje abantwana abangenayo inqubomgomo yomshuwalense. Ngaloo ndlela, abaqeqeshi bancinci ngokuzenzekelayo baxanduva loxanduva lwamabhodi abo. I-inshurensi yezemidlalo enyanzelisayo ngokukodwa kwimincintiswano, iifizi kunye nemincintiswano eyahlukeneyo kunye nokuhamba, kuba ngokuqhelekileyo kubakho "ukuqhubela phambili" ukunciphisa ukuba abantwana bayalibala ngokuqaphela.

I-Traumatism ikhona nakweyiphi imidlalo, ngoko kukungalunganga ukukholelwa ukuba ukuba umntwana wakho uthanda abahloli, akadingi inshorensi. Ngoko ukuba uyaluxabisa impilo kunye nokhuseleko lomntwana wakho, kufuneka wenze umgaqo-nkqubo. Ingakumbi kubeni lolu hlobo lwe-inshurensi lunikezelwe ngokususela kwiminyaka emibini. Into eyona nto kukuba umntwana uya kwiiklasi ubuncinane kanye ngeveki.

Yintoni enjalo i-inshurensi?

Ngokuqinisekileyo, ngamnye umzali, ukunika umntwana kulo okanye kwicandelo, ufuna ukukhetha umdla ongekho nje umdla kumntwana, kodwa uya kuba ngumngcipheko ophantsi. Nangona kunjalo, imidlalo ezithandwayo kakhulu zibuhlungu kakhulu. Yiyo ingavumelani ebizwa ukuba ithathe isigqibo malunga ne-inshurensi yezemidlalo esemgangathweni kumntwana.

Kukholelwa ukuba imidlalo yamadoda iyingozi kakhulu kunabesifazana, kodwa oku akunjalo. Ngokuqinisekileyo, ibhola okanye i-hockey ibonisa umsebenzi owandisiweyo, ochaphazelekayo ngokuwa kunye nokuphuka, kunye nemidlalo yokuqhagamshelana - karate, ibhokisi, i-aikido, i-sambo nabanye-kwaye akukho mfuneko yokuthetha. Kodwa amantombazana kulo mbandela akayi kuguqulwa emva: ukukhwabanisa, ukugcoba, i-gymnastics, imidlalo yebhola kunye nemidanso yezemidlalo - oku kuluhlu olupheleleyo lwezemidlalo ezihlala kwizikhundla eziphambili kwiluhlu lwezinto ezibuhlungu kakhulu.

Izinto ezongeziweyo

Ukuba iqela elincinci liya kukhuphiswano kwezinye iidolophu okanye nakumazwe aphesheya, i-inshurensi yezemidlalo kumntwana kufuneka ikhuliswe ngezinto ezongezelelweyo. Kulapho ungabandakanya ukubanjwa kokubanjwa kwezifo ezingapheliyo, ukukhangela kunye nokuhlangula, ukuhamba kunye nokuhlala kwesinye sezihlobo xa kwenzeka ukuba umntwana unenkxalabo, ukuthutha isigulane kwindawo yokuhlala ngokusisigxina, ukukhutshwa yi-helicopter nabanye. Iindleko zomgaqo-nkqubo zanda kancinci, kodwa abazali bangazinqabisa: xa kukho nantoni na eyenzekayo, umntwana wabo akayi kushiywa yodwa ngesisongelo esisodwa.

Iindleko zeminshurensi yezemidlalo

Mhlawumbi, enye yeyona mibuzo ephakamileyo abazali abanomdla kuyo yimalini ye-inshurensi yezemidlalo yomntwana iya kuba neendleko. Ixabiso layo kwimeko nganye libalwe ngabanye kwaye kuxhomekeka kwiinkalo ezininzi.
Nazi ezinye zazo:

• Okokuqala, intengo yomgaqo-nkqubo ixhomekeke kuhlobo lomdlalo umntwana asebenzayo - eyingozi, eyabiza.
• Ixesha lomgaqo-nkqubo kubalulekile, zingaphi iintsuku i-inshurensi ikhishwa. Umgaqo-nkqubo unokukhishwa unyaka wonke, kwaye unokukhusela umntwana ngaphezu kweentsuku ezimbalwa, umzekelo, ngexesha lokhuphiswano. Ngokucacileyo, elifutshane elifutshane lexesha lomgaqo-nkqubo, lixabiso elincinci.
• Sum insured - kubalulekile ukuqonda ukuba xa uhlawula inkokhelo enkulu xa unobungozi, kuyabiza ukuba uhlawule i-inshorensi.
• Indawo yokubala - indleko yomshuwalense, esebenzayo kuphela eRashiya, ingaphantsi kwexabiso lomgaqo-nkqubo wale abo bashiye ilizwe.
• Ubudala bomntwana - ngokuqhelekileyo umntwana omncinci, abazali abaninzi baya kufuneka bahlawule i-inshurensi.
• Iindleko zomgaqo-nkqubo zichaphazelekayo ngezinto ezongezelelweyo ezifakwe kuyo, njengokuthi, ngokonyango, unyango olwenziwe ngokusebenzisa izixhobo ezibiza.

Impawu zesivumelwano

Ukuba uthatha isigqibo sokuba i-inshurensi yezemidlalo yomntwana yinto elula, ngoko ulahlekile. Musa ukuzithemba kwi-intanethi yomphathi we-inshorensi. Ngaphambi kokusayina isivumelwano, qwa lasela ngokucophelela. Ngokukodwa uhlolisise ngokucophelela loo nto yesivumelwano, apho imiqathango imiselwe khona, xa kuthe kwaphulwa yintlawulo yokuhlawulwa kwayo.

Ngokomzekelo, ukuba umdlali, ngokuchasene neemfuno kunye nezilumkiso ngengozi, uyaqhubeka nokufundisisa kwaye akalimele, kuya kufuneka aphathwe ngeendleko zakhe.

Nika ingqalelo ekhethekileyo kwinqanaba malunga nokufumanisa utywala egazini. Ngokuqinisekileyo, wonke umzali uyaqiniseka ukuba umntwana wakhe akayi kuphinda atywala, kodwa uqeqesho lubonisa ukuba ulutsha, ukuba lubalekele ekulawuleni ngokucophelela (umzekelo, xa uhamba ukukhuphisana nakwezinye iidolophu), ngamanye amaxesha ukuvumela ukuba kungabalulekanga.

Kwakhona, qiniseka ukuba ubeke ingqalelo kwixabiso le-deductible-le mali elincinane engabandakanywa kwi-payout. Umzekelo, ukuba i-franchise i-ruble 1000, kwaye unyango lomntwana libiza i-ruble 900, ngoko inkampani yomshuwalense akufanele ihlawule nantoni na.

Indlela yokuhlawula

Kuthekani ukuba sele usenomshuwalense wezemidlalo kumntwana wakho - RESO, Renaissance, Rosgosstrakh okanye nayiphi na enye inkampani? Indlela yokusebenza xa umntwana wakho enzakele kwaye yintoni na amaxwebhu kufuneka alungiselelwe?

Okokuqala, xa ufumana ukulimala, kufuneka ufune uncedo ngokukhawuleza ugqirha. Ugqirha kufuneka ulungiselele ingozi kwaye akunike isatifiketi esiya kufunwa ukuze ufumane inkokhelo.

Emva koko kuyimfuneko kwikamva elisondeleyo - ngokuqhelekileyo kungengaphantsi kweentsuku ezi-3 - ukuxelela isiqinisekiso malunga nesiganeko nangayiphi indlela ekhoyo kuwe. Abaqeshwa bekampani baya kukucebisa ngezenzo ezongezelelweyo kwaye baya kukukhupha ukuba yimaphi amaxwebhu ofuna ukuwalungiselela. Ngokuqhelekileyo olu luhlu lubonakala kanje:

• Isicelo sokuhlawula;
• Inqubomgomo yomshuwalense okanye ikopi yayo;
• Ipasipoti yoluntu yomnye wabazali (umgcini-nkqubo);
• Isatifiketi sokuzalwa somntwana;
• INN yomxhamli kunye neenkcukacha ze-akhawunti yebhanki apho iya kuhanjiswa khona intlawulo.

Ukuba umqhubi uyalimala engavumelani nobomi, isatifikethi sokufa (ikopi yangaphambili +), kunye neembono zogqirha ngenxa yokufa. Xa kusungulwa nayiphi na iqela lokukhubazeka - isigqibo sogqirha malunga nezizathu zokufumana, kunye nekopi yoncedo lwe-MCEC eqinisekisiwe ngu-notary.

Ukongezelela, uya kufuna zonke iireki zonyango, iinkonzo zonyango kunye nawaphi na amanye amaxwebhu aqinisekisa iindleko ozenzileyo malunga nokuvela kweso siganeko.

Ukukhetha inkampani yomshuwalense

Le ngenye yezona zinto zibaluleke kakhulu ekufuneka uhlawule ngazo ukuba ufuna i-inshurensi yezemidlalo kumntwana wakho. AlfaStrakhovanie, RESO-Guarantee, Ingosstrakh, Ukuhlaziywa kweNtlawulo, Ukukhulula - yiphi inkampani enokuyikhetha? Kakade, ukukhethwa kwintengiso yomshuwalense kufuneka kuhanjiswe kakhulu. Ngaphambi kokuba usayine isivumelwano, ungaba luvila ukuqokelela ulwazi oluninzi malunga nomshuwalense. Apha unokunceda ukuphononongwa kwabahlobo, abasebenzisi be-Intanethi kwiifom ezahlukeneyo. Ingakumbi ngokucokisekileyo ukufundisisa izinto ezimbi, kuba zihlala zikhona kuzo ukuba ukwazi ukufumana ulwazi malunga neengqonge ezahlukeneyo. Ukutyelela iiofisi ezininzi kwaye ufunde ngokucophelela iimeko ezicetywayo.

Intshuwalense yezemidlalo yomntwana ibaluleke kakhulu kwaye ibalulekile, ngoko kuyafaneleka ukuyibeka kubaqeqeshi. Umgaqo-mgangatho uza kunceda abazali bazive bexhala, kwaye umdlali omncinci uya kunika ithemba.