Iinkampani ze-inshurensi ngoku ziyazihlaziya, zibonelela ngokhuseleko olupheleleyo kubo bonke abasebenzisi. Nokuba loluphi na uhlobo lomsitho onokuthi thatyathwe, ukunika a ipolisi ye-inshurensi kwaye uqhubeke nobomi bakho bemihla ngemihla ngoxolo lwengqondo.
Yintoni iPolisi ye-Inshurensi?
Kweli nqaku siza kube sazisa yonke into enxulumene nophuculo abanalo i-inshurensi eMexico, senza kube lula ukwenza imisebenzi ethile kwi-cyberpace, efana nokuhlawulela isivumelwano sakho. Kubalulekile ukwazi Yeyiphi ipolisi ye-inshorensi? phambi kokwenza isivumelwano.
Sisivumelwano apho omnye wamaqela anomdla, obizwa ngokuba yi-inshurensi, unyanzelekile ukuba alungise nasiphi na isiganeko, ukuhlawula isixa kwi-pesos okanye kwenye imali kwabo bachaphazelekayo.
Xa ukuqinisekiswa kwesiganeko sele kubonakaliswe kwileta yokuxoxisana, njengotshintshiselwano lwentlawulo yeendleko, ebizwa ngokuba yi-premium, yi-inshurensi. Ipolisi ye-inshorensi ijonge ukujongana nalo naluphi na uhlobo lomngcipheko ukuba kukho nayiphi na inzuzo enokukhusela.
Lowo ufakwe kwi-inshorensi unokuvumelana neqela lekhontrakthi, elithembisa ukwenza iintlawulo de kugqitywe yonke ipremiyamu, ibe njengenzuzo idyasi enikezelwa yi-inshurensi, ukuthintela ukuba ngexesha layo nayiphi na impazamo kufuneka ahlawule isixa esiphuma epokothweni. ngaphezulu, ukuba umoni uya kwenzeka.
La ipolisi ye-inshurensi, inemisebenzi kunye nomvuzo ovela kumacala omabini, ukuqala xa kutyikitywa isivumelwano.
Hlawula iPolisi ye-Inshurensi kwi-intanethi
Okokuqala, umthengi ipolisi ye-inshurensi ukuba ufuna ukukhansela ngewebhu, kufuneka ungene kwiqonga elisemthethweni lenkampani apho unekhontrakthi. Xa ukwiphepha, kuya kufuneka ufumane indawo yabathengi okanye abasebenzisi, ukwenza ubhaliso olufanelekileyo ngokubeka lonke ulwazi oluyimfuneko kwaye ulubeke kwikhontrakthi yenkampani.
Emva kokwenza iakhawunti yobuqu ngaphakathi kwephepha, oku kulandelayo kukufumana kwimenyu "Intlawulo yanyanga zonke"Okanye"intlawulo ye-inshurensi"(njengoko kunjalo, kwezinye iimeko ungatshintsha isigama ngokuxhomekeke kwinkampani), oku kulandelayo kukubonisa indlela intlawulo eza kwenziwa ngayo, amajelo asetyenziselwa le njongo zezi zilandelayo:
- Ikhadi letyala, iVisa okanye iMasterCard.
- Yenza intlawulo kwi-akhawunti yangoku yequmrhu lebhanki.
- Yenza utshintshiselwano kwi-intanethi.
Xa indlela intlawulo eya kwenziwa ngayo sele ichaziwe, kubalulekile ukuba ulwazi lomntu siqu kunye nesixhobo esikhethiweyo ukuba sirhoxise, njengekhadi okanye i-checkbook, nayo ibekwe, ngale ndlela ukuqokelelwa kwentlawulo ehambelanayo. I-inshurensi ye-intanethi ngokuzenzekelayo kwaye ngaphandle kokuchitha ixesha.
Linda nje imizuzu embalwa ukuba ulwazi lwe-invoyisi yokuhlawula lunikezelwe, oluthunyelwa ngeendlela ezifanayo zewebhu, kunye nale ntlawulo ye-premium iqinisekisiwe. Kulula kakhulu.
IiMfuneko zokwenza iNtlawulo ye-inshurensi kwi-Intanethi
Xa intlawulo ye ipolisi ye-inshurensi ngokwedijithali, konke okudingayo luthotho lwesatifikethi umxhasi anaso.
Olu luhlu lulo oluchonga umsebenzisi kwinkampani ye-inshurensi apho isivumelwano sihlala khona, xa enika olu lwazi ngokukhawuleza unayo njengempendulo imali ekufuneka ihlawulwe, umhla wokuhlawula kunye nayo yonke idatha edibeneyo. kunye nerekhodi yomthengi..
Ukongeza oko kuthethwe ngasentla, kuyimfuneko ukwazi indlela yokwenza intengiselwano eya kwenziwa ngayo, ekufuneka iqinisekiswe yinkampani enomgaqo-nkqubo we-inshurensi usebenzisa i-cyberpace, ukwazi ukuba ezi ziteshi zahlukile phakathi kwe-inshurensi nganye.
Ukugqiba, umsebenzisi kufuneka enze intlawulo yakhe kwi-intanethi kukuba abe nemali eyaneleyo yokuhlawula umrhumo, ukuba noqhagamshelo kunye nemizuzu embalwa nje yasimahla yokwenza inkqubo, into ebalulekileyo kukwenza yonke into njengoko kubonisiwe. kwaye ugqibe ngentlawulo, intlawulo yepolisi ye-inshorensi.
Izinto eziluncedo zokuba ne-Inshurensi ye-Intanethi
Iingenelo ezibalaseleyo xa unepolisi ye-inshurensi enephepha kwi-intanethi zidweliswe ngezantsi:
- Enye yeenzuzo zokuba nenkampani ye-inshurensi eneqonga lewebhu kukuba intengiselwano yentlawulo yenziwa ngendlela ekhululekileyo ngaphandle kokuchitha ixesha.
- Akusekho mfuneko yokuya kwiofisi yebhanki okanye kwibhokisi yebhokisi ukwenza idiphozithi yemali ye-inshurensi, ngoku ityala lingacinywa emsebenzini okanye ekhaya.
- Kwakhona ukwenza intlawulo ye-inshurensi kwi-intanethi kuwo wonke ummandla waseMexico kukuvumela ukuba ube nothethathethwano olungenatyala kunye nenkampani, oku kuthintelwa ukuba uhlawule ipesenti yokuhlawula kade, ukuba umhla wokugqibela ugqithisiwe, ukuphumeza indlela elungileyo ukuba zonke ezi iingenelo eziyanyaniswa kolu hlobo lwesivumelwano unokuba.
- Inzuzo yokugqibela ukuba ikhankanyiwe, kodwa oku akuthethi ukuba eyona nto ibaluleke kakhulu, kukuba intlawulo yemali ye-inshurensi inokwenziwa nangaliphi na ixesha kwaye nangaliphi na ixesha, akukho zishedyuli zokwenza, kunye nale nto. kucacile ukuba Akukho xesha liya kuchithwa ukuzalisekisa ukuzibophelela ekuhlawuleni kwaye uvumele umhla wokugqibela udlule kwaye emva koko kufuneka kucinywe ipesenti ngenxa yeso sizathu.
Ngale nto kucacile ukuba kunenzuzo ukuba ne-inshurensi enenkqubo ye-intanethi.
Ezona Nkampani zeInshurensi ziBalulekileyo eMexico
I-Mexico inoluhlu olukhulu lweenkampani ze-inshurensi, kunzima ukwazi ukuba yeyiphi kubo eyona nto ingcono xa ukhetha, yiyo loo nto iqela labo likhethiwe, ukukwazisa ngenzuzo nganye kuzo.
I-Inshurensi ye-Qualitas. Yenye yee-inshurensi ezithathelwa ingqalelo kwaye kucetyiswa ukuba uyikhethe ngexesha lokudibanisa kuyo yonke indawo yaseMexico.
Le nkampani yeinshorensi ibonelela ngenkonzo kulo lonke ilizwe, ubugqwirha bayo kukwenza iikhontrakthi zeemoto kwaye ibikwimarike ngaphezulu kweminyaka engamashumi amabini isebenza nabathengi baseMexico.
Ukuma ngaphandle kwezinye iinkampani ezizinikele kulo msebenzi, kuba ukhuselo lwawo luphezulu, kunye nobuchwepheshe besimanje obuqinisekisa bonke abasebenzisi bale nkampani.
I-Inshurensi ye-AXA. Lo ngumbutho we-inshorensi okhetheke ngendlela engaqhelekanga ukuba uvunywe kumazwe ngamazwe, sele ukwimarike iminyaka engamashumi amathathu yamava kwaye unabanini-polisi abangaphezulu kwekhulu lezigidi kwihlabathi jikelele.
NjengoQuálitas, i-AXA eqinile yingcali kwi iinshorensi yeemoto, ukukhusela zonke iintlobo zeemoto onazo kunye nendlela imiqathango yayo ayiqinanga xa kufikwa kwiiphakheji zayo zokuxhasa ngemali.
I-inshurensi ye-BBVA. Inkampani ye-inshurensi enikezelayo iinshorensi yeemoto kwaye inezivumelwano ze-inshurensi yasekhaya, yezempilo kunye neyobomi. Yi-inshurensi efanelekileyo xa kuziwa ekukhuseleni iqela losapho lonke.
Inkampani yeinshurensi ye-BBVA iyabatsala abasebenzisi bayo kuba kwindawo enye unokufumana i-inshurensi yayo yonke into oyifunayo ukuyikhusela, ucinga ngempilo yosapho, njengokhuseleko lwemoto okanye ukuzinyamekela.
Xa kuziwa ekubeni kulula kangakanani ukubhalisa nokuthenga isivumelwano, i-BBVA njenge-inshurensi iphuma kwezinye iinkampani ezifanayo ezikhankanywe kule nkcazo.
I-Inshurensi yeQela lePhondo leSizwe. I-inshurensi ebizwa ngokuba zii-initials zayo (GNP), kule marike yenye yezona zinto zinamava kwilizwe liphela, kwaye oku kuza nentembeko eye yayenza kule minyaka idlulileyo ukwenza iikontrakthi zomshuwalense wobomi kunye nemoto. .
Iipakethe i-GNP enazo zidalwe ukuhlengahlengisa kuyo nayiphi na imeko eyodwa umxhasi anayo, ukukhusela umxhamli ngendlela ekungekho enye inkampani enokuyenza ngenxa yohlobo lomngcipheko onokuthi lwenzeke kwaye lugqunywe.
I-Inshurensi yeMapfre. Ukuphelisa uluhlu, kuya kukhankanywa le inshurensi ekhula ngakumbi nangakumbi yonke imihla kule minyaka ilishumi idlulileyo.
Enegama leMapfre Seguros, kwaye ibonelela ngenkonzo enika inzuzo yokugubungela ngokupheleleyo xa kuthelekiswa nabanye abakudidi lwayo, ukubonelela ngokhuseleko kwiimoto ezikwilizwe.
Le nkampani yaseMexico ineendleko ezintle kwimigaqo-nkqubo yayo kunye nentlangano ekhuselayo ngaphandle kwerekhodi, oku kufuneka kuthathelwe ingqalelo xa ukhetha i-inshurensi ekhusela isithuthi ngaphandle kokuchitha ixesha kwaye ngendlela efanelekileyo kunye nakwinqanaba lentsapho.
Iindidi zeMigaqo-nkqubo ye-Inshurensi
Okulandelayo, kuya kuboniswa iindidi ezininzi zeinshorensi eziya kwandisa ulwazi xa ukhetha isicwangciso. Ngokusisiseko ezi ziiklasi ze-inshurensi:
- Ngokuchasene nabanye abantu okanye amaqela esithathu.
- Amaqela esithathu okanye abantu bebonke.
- Nokunkcenkceshela ngokupheleleyo.
Ngokuxhomekeke kwinkampani, banamaphakheji ahlukeneyo kunye nokukhusela, okwenziwa ngokwezinto ezifunwa ngumxhasi. Kubalulekile ukwazi ukuba ezi zivumelwano ziqulathe ntoni, ukuze a umzekelo wepolisi ye-inshurensi kunye neendidi ezahlukeneyo:
Uxanduva loluntu okanye kwabanye abantu. Uhlawulelwa amabango anokuthi enzeke ngenxa yomonakalo owenziwe ngumntu ofake i-inshurensi, kwabanye abantu okanye ipropathi efana nemoto; ukugqiba ukuya kutsho kwisixa esinikezelwe kwikhontrakthi. Kwintetho ye-inshurensi ibizwa ngokubaIngxelo ka-A”, enokunikwa ikhontrakthi kuyo nayiphi na imoto ehanjiswayo.
Ilahleko Amanani. Lizibophelele ekubeni libe nokhuselo lwetyala loluntu lwabanye abantu, olukwabandakanya ubusela okanye ukukhuthuza, amabango omlilo kunye nomonakalo owenziweyo kuso nasiphi na isiganeko, ukuba isiphumo sengozi singaphezulu kwama-80%. Olu hlobo lubizwa ngokubaInkcazo B".
Amaqela esithathu apheleleyo. Inyamekela into eyenzekayo kwabanye abantu, ukuba kungenxa yobusela okanye ukuphanga, kwiimeko zokulimala komlilo, ukuba umonakalo uphelele okanye ipesenti kuphela. Xa kwenzeka ingozi, akukho nto yimbi efihliweyo ukuba bekukho ilahleko epheleleyo yemoto. Esi sicwangciso sithiyweInkcazo C".
Igcwele umngcipheko. Kuthatha uxanduva kwaye uzibophelele kumonakalo kwabanye abantu, ukuba kukho nabuphi na ubusela okanye ukuphanga, umonakalo ngenxa yokuvuvukala, ukugqiba okanye ipesenti kuphela.
Kungenzeka ukuba i-deductible, ngokuxhomekeke kumagatya ekhontrakthi kwaye uxanduva luthathwa ngumntu ofakwe kwi-inshorensi. Ibizwa "Inkcazo D".
Qaphela: UMthetho Wezendlela uthi zonke iimoto zimele zibe nerisithi yeinshorensi ukuze zikwazi ukuhambahamba kuloo mmandla. Njengesibophelelo, ipolisi ye-inshurensi kufuneka ibe lula, apho ihlawulelwa umonakalo kwabanye abantu kunye neepropati zabo, ezibangelwa isiganeko.
Xa umntu onomdla ekhetha isicwangciso, le mvumelwano ibophelela inkampani ye-inshurensi ukuba irhoxise iindleko zemali kwi-inshurensi yelahleko eyenzekileyo, njengoko kuchazwe kumagatya oxwebhu olusayiniweyo.
Amanqaku anokuba nomdla kuwe:
Faka isicelo se Uthethwano malunga neNkampani yeGesi yaseMexico
Jonga ibhalansi kunye noHlawula Wizz Internet eMexico
Cela Uthethwano kunye neNtlawulo yeGesi Naturgy Mexico