Pogula inshuwalansi ya njinga, okwera njinga ambiri amakumana ndi mawu omwe amakhudza mwachindunji ndalama zomwe amalipira komanso zomwe amalipira, IDV. Komabe, nthawi zambiri zimasokonezedwa ndi kugulitsanso kapena mtengo wamsika wa njingayo.
kumvetsa IDV mu inshuwaransi ya njinga Ndikofunikira chifukwa kumatsimikizira kuchuluka kwa chipukuta misozi chomwe mumalandira ngati njinga yanu yabedwa kapena kulengezedwa kuti yatayika kwathunthu. Ngakhale kuti mtengo wamsika umasonyeza zomwe njinga yanu ingagulitsidwe, IDV imagwira ntchito yosiyana kwambiri ndi inshuwalansi.
Kodi IDV mu Inshuwalansi ya Ma Wheeler Awiri ndi Chiyani?
In inshuwaransi ya njinga ya mawilo awiriIDV imayimira Mtengo Wotsimikizika wa Inshuwalansi. Imayimira ndalama zambiri zomwe kampani ya inshuwaransi ivomereza kulipira ngati njinga yawonongeka kwambiri moti singakonzedwe kapena kubedwa. IDV mu inshuwaransi ya njinga sisankhidwa mwachisawawa. Imawerengedwa kutengera mtengo womwe wopanga adalemba wa njingayo kupatula kuchepa kwa mtengo.
Kutsika kwa mtengo kumawonjezeka ndi zaka za galimoto. Njinga yatsopano imakhala ndi IDV yokwera, pomwe njinga yakale imakhala ndi yotsika. Makampani a inshuwaransi amatsatira mfundo za kuchepa kwa mtengo zomwe zafotokozedwa ndi malamulo, zomwe zimapangitsa kuti mawerengedwe a IDV azigwirizana m'makampani onse. Popeza IDV imakhudza mwachindunji malipiro a madandaulo, imakhudzanso ndalama zomwe mumalipira.
Kodi Mtengo wa Njinga Pamsika Ndi Wotani?
Mtengo wamsika umatanthauza mtengo womwe njinga yanu ingagulidwe ngati mutaigulitsa pamsika wotseguka. Mtengo uwu umadalira zinthu monga kufunikira, momwe ilili, mtunda womwe ikuyenda, momwe imaonedwera komanso komwe ili. Mosiyana ndi IDV, mtengo wamsika suli wofanana ndipo ungasiyane kwambiri pamtundu womwewo.
Makampani a inshuwaransi sagwiritsa ntchito mtengo wamsika pokonza madandaulo chifukwa ndi nkhani yokhudza munthu payekha komanso yovuta kutsimikizira. M'malo mwake, IDV imapereka mfundo yokhazikika yomwe yalembedwa mu ndondomekoyi ndipo yavomerezedwa panthawi yogula kapena kukonzanso.
Kusiyana Kwakukulu Pakati pa IDV ndi Mtengo Wamsika
| Maziko Oyerekeza | IDV (Mtengo Wolengezedwa ndi Inshuwaransi) | Mtengo wa Msika |
| cholinga | Amagwiritsidwa ntchito powerengera inshuwaransi monga mitengo yapamwamba komanso zopempha zonse zotayika kapena kuba | Amagwiritsidwa ntchito kudziwa mtengo wogulitsa kapena kusinthana njinga |
| Njira yowerengera | Kuwerengedwa pogwiritsa ntchito kapangidwe ka kuchepa kwa mtengo kokhazikika kutengera zaka za njingayo | Zimasiyana malinga ndi kufunikira, momwe zinthu zilili, mtunda woyenda, mtundu ndi malo |
| Kukhazikika | Imakhalabe yokhazikika kwa nthawi yonse ya ndondomekoyi | Zingasinthe pafupipafupi kutengera momwe msika ulili |
| Udindo pa kuthetsa mlandu | Imapanga malire apamwamba kwambiri olipira pa zopempha zonse zotayika kapena kuba | Alibe gawo pa mgwirizano wa inshuwalansi |
| Zowononga zachuma | Zimakhudza mwachindunji ndalama zolipirira ndi chipukuta misozi | Zimakhudza mtengo wogulitsa njinga yokha |
Chifukwa Chake Kusankha IDV Yoyenera N'kofunika
Kusankha IDV yoyenera mu inshuwaransi ya njinga ndi njira yolinganiza. Ngati musankha IDV yotsika kuti muchepetse ndalama zomwe mumalipira, mutha kulandira ndalama zochepa ngati mutataya ndalama zambiri. Kumbali ina, kusankha IDV yokwera mosafunikira kungakulitse ndalama zomwe mumalipira popanda kupereka phindu lofanana.
Inshuwalansi yopanda phindu ingakupangitseni kukhala ndi vuto la zachuma, pomwe inshuwaransi yochulukirapo imabweretsa ndalama zambiri popanda phindu lina. Okwera njinga ayenera kuwonanso zaka za njinga zawo, momwe zimagwiritsidwira ntchito komanso momwe zimagwiritsidwira ntchito asanamalize kulemba IDV panthawi yogula kapena kukonzanso inshuwaransi.
Sankhani IDV Yosinthasintha komanso Yolondola ndi TATA AIG
Kumvetsetsa kusiyana pakati pa IDV ndi mtengo wamsika kumathandiza okwera kupanga zisankho zodziwa bwino za inshuwaransi. TATA AIG imapereka njira zowerengera za IDV zomwe zimatsatira malangizo a malamulo pomwe zimalola kusinthasintha mkati mwa malire ovomerezeka.
Ndi zolemba zomveka bwino za mfundo ndi njira zosavuta zowerengera mtengo, TATA AIG imalola eni njinga kusankha IDV mu inshuwaransi ya njinga yomwe imagwirizana ndi mtengo wa galimoto yawo ndi kagwiritsidwe ntchito kake. Njirayi imathandizira kubweza ngongole zoyenera komanso kuthandiza okwera kuyendetsa bwino ndalama zawo za inshuwaransi panthawi ya inshuwaransi.