Nei Kubatanidzwa Kunogona Kuoma Kuwana
Kana munhu anoshanda achiomerwa nekuwana mitemo yekubhadhara vashandi, inowanzova nezvimwe kana zvinotevera zvinotevera.
- Varombo Vakashata Nhoroondo Kambani yakaona zviduku zvishoma kana zvidiki zvishoma. Kumunhu anonyora pasi , kurasa kurasikirwa kwenyika chiratidzo chokuti mushandi haaine chirongwa chekuchengetedza chakakwana.
- Vatsva Bhizimisi Bhizimisi vanovimba nemarangariro ekurasikirwa kuti vatarise remangwana kurasikirwa kweruzivo. Kuti vatsigire kambani itsva, iyo isina mararamiro ekurasikirwa, vatsigiri vanofanira kutora gumbo iro kurasikirwa ruzivo ruchava rakanaka. Vamwe vatsigiri vehurumende havadi kutora mukana iwoyo.
- Bhizimisi Duku Kuduku Kambani kadiki inogona kushandisa vashandi vashomanana chete. Vashandi vaduku vangaita kuti vashandi vashoma vatsigire mubayiro. Anishuwarenzi angatora huwandu hwepayimari shoma shoma maererano nehuwandu hwezvakataurwa.
- Basa Rinokuvadza Mamwe mabhizimisi anoshandiswa zvine ngozi kune vashandi. Mienzaniso inodonha, miti yakadonha, bhuji rekugadzira uye kushandiswa kwesimbi. Apo vashandi vanoita zvinhu zvakadaro vakakuvara, kukuvara kunowanzova kwakaoma. Kukuvara kwakanyanya kunotungamirira kune vashandi vakura vanobhadhara zvikwereti. Nokudaro, vatsigiri vakawanda havazopi nekupa vashandi mari yekupa mari kune vashandi vari mumabasa ekukuvadza .
Yakagadziriswa Nengozi Yokugadzirisa
Nokuti vamwe vashandi havakwanisi kuwana kubhadharwa kwevashandi kubhizimusi mumusika wokuzvidira, hurumende imwe neimwe yakagadzirisa hurongwa hwehuwandu hunopihwa. Chirongwa chekuisa pangozi ndiyo misika yekushandiswa kwekupedzisira. Icho chinhu chinobva pakugoverwa kwevashandi vasina chekuita. Zvimwe zvinoparidzirwa zvirongwa zvinonziwo mararamiro anoramba ari .
Zvigadziriswa zvirongwa zvingangosiyana kubva kune imwe nyika kuenda kune imwe nyika. Mune dzimwe nzvimbo iyo chirongwa chekuisa pangozi chinotarisirwa neCNCI. Mune dzimwe nzvimbo chirongwa ichi chinogona kutarisirwa neavo vakagadziriswa inshuwarheni, hurumende yehurumende inshuwarheni, kana kuti nzvimbo yehurumende yepamusoro.
Zvizhinji zvehurumende zvinoda bhizinesi dzinopa vashandi mari yekugoverana mumusika wokuzvidira kuti vabatanidzwe mumusika wemisika. Vatsigiri vanogona kudikanwa kuti vabatane nedunhu rezve reinsurance kana kuti vatsigire imwe chikamu chevanhu vanotengesa pangozi policyholders. Vatsigiri vepa reinsurance pool vanobhadhara zvikomborero uye kurasikirwa kunokonzerwa nevatsigiri vehurongwa muurongwa hwekugovera njodzi.
Nzira Yokuwana Coverage
Zivisai mujeri wenyu weinishuwarensi kana iwe usingagoni kuwana vashandi kupa mari yekugadzirisa. Anogona kutumira chikumbiro chako panzvimbo yako yenyika inotarirwa dambudziko. Kana iwe usina mujeri, unogona kuwana ruzivo pamusoro peurongwa hwehupfumi hwehutano hwako huripo nekukurukura nedhipatimendi rehurumende yehushuwarisi kana vashandi vekugadzirisa nzvimbo yebazi.
Cherechedza kuti chirongwa chinoparidzirwa pangozi hachizobvumi chikumbiro chako kana iwe uchikwereta chero ipi zvayo yepamusoro kune vashandi vanobhadhara mubhadhadziro. Uyewo, unofanira kunge wakanyorera kugoverwa uye wakarambwa nomumwe kana kuti vazhinji ve-inshuwarisi (nhamba inosiyana nehurumende).
Kukanganisika
Kune vashandi vezvematongerwo enyika, hurumende dzakagadzirirwa zvirongwa zvengozi dzine huwandu hwakaipa.
- Mari iyo Vashandi vanovimbiswa nemapurogiramu akaiswa pangozi vanobhadhara mari yakakwirira kudarika avo vanovimbiswa mumusika wokuzvidira. Vagadziri vematongerwo enyika vane ruzivo rwekuchinja hukuru kune 1.0 vanogona kunge vari pasi pekuwedzera. Mukuwedzera, zvirongwa zvakawanda zvinopihwa pangozi hazvipi kupa purogiramu yokutenga (rudzi rwekutsvaga rwakapiwa pamishandirapamu huru).
- Hapana Chinhu Chekuchengetedza Inishuwarenzi Vatungamiri muurongwa hwekuisa njodzi havakwanisi kusarudza bhizimisi ravo. Panzvimbo pezvo, ivo vanopiwa basa kune inshuwarisi iyo inobatsira uye mazano mazano avo.
- Kwete Purogiramu Yekubhadhara Yakapiwa njodzi zvirongwa zvekusawanzopa chirongwa chokubhadhara. Vagadziri vemitemo vanofanirwa kubhadhara premium yavo mberi.
- Pashoma kugoverwa Chirongwa chekuisa njodzi chingagoverwa chingashandisa fomu yehurongwa iyo isiri yakajeka sefomu yakashandiswa inoshandiswa mumusika wekuzvidira. Izvi zvinonyanya kuitika apo mazano anopiwa nehurumende yveshuwarisi mari. Mitemo yakadaro inowanzovharira kugoverwa kune zvakakuvadzwa zvinotsigirwa munharaunda iyoyo. Zvinogona kupa pasina kuvhara kwekukuvara kwakaitwa kune imwe nzvimbo.