Okuqukethwe
- Vimba 1: Kungani udinga inqubomgomo ye-VMI nhlobo?
- Ibhlokhi 2: Ngabe ukubhaliswa kwenqubomgomo ye-VHI kudinga inqwaba yemibiko yezokwelapha noma ukudluliswa kwekhomishini yezokwelapha?
- Ibhulokhi 3: Kuyiqiniso yini ukuthi abantu abaneminyaka yobudala yokusebenza kuphela abanomshuwalense ngaphansi kwe-VHI? Ngemuva kwakho konke, umshwalense wezingane nasebekhulile awuyenzi nzuzo enkampanini?
- Vimba 4: Akulula yini kuleli cala ukukhipha inqubomgomo ye-VHI eyodwa yomndeni wonke?
- Ibhulokhi yesi-5: Ungaqiniseka kanjani ngekhwalithi yokunakekelwa kwezokwelapha kanye neziqu zodokotela ohlelweni lwe-VHI?
Vumelana, sijwayele ukubona umshuwalense wezempilo wokuzithandela kunokuba ibhonasi emnandi, kodwa engakhethwa ngumqashi. Umqondo wokukhipha inqubomgomo ye-VHI bebodwa ubonakala unzima kakhulu noma ungafanele. Kodwa ingabe kunjalo ngempela? Namuhla sihlaziya imibuzo ethandwa kakhulu ehlobene nokubhaliswa kwe-VHI!
Vimba 1: Kungani udinga inqubomgomo ye-VMI nhlobo?
Okokuqala, i-VHI yithuba lokuthola ikhwalithi ephezulu futhi, okungabalulekanga kangako, ukunakekelwa kwezempilo okunethezeka! Izimo ze-VHI zifaka ukunakekela hhayi kuphela impilo yesiguli, kodwa futhi nokusebenziseka kwayo, ukonga isikhathi futhi, yebo, nokunethezeka ngokwengqondo.
Ngaphezu kwalokho, izinhlelo ze-VHI, njengomthetho, azibandakanyi ukubonisana kuphela kochwepheshe abaqeqeshiwe ngendlela yesimanje yezokwelapha, kepha nezindlela zobuchwepheshe zokucwaninga nokuxilonga, ezenza kube lula ukwenza ukuxilongwa ngokushesha futhi ziqale ukwelashwa ngesikhathi esifanele ngendlela. Futhi-ke, ukuba lula kokuqokwa nezingcweti (kufaka phakathi ongoti abancane), ukugcinwa kwawo wonke umlando wezokwelapha ngohlobo lwe-elektroniki nokuthi kungenzeka ukubonisana okukude nodokotela obekhona kudlale indima ebalulekile.
Ngakho-ke, inqubomgomo ye-VHI, yize idinga izindleko ezithile zezezimali, ngokubuyiselwa ikuvumela ukuthi wonge umsebenzi oyigugu nesikhathi somndeni, ngaleyo ndlela ubuyise izindleko zayo.
Ibhlokhi 2: Ngabe ukubhaliswa kwenqubomgomo ye-VHI kudinga inqwaba yemibiko yezokwelapha noma ukudluliswa kwekhomishini yezokwelapha?
Enye yezinganekwane ezivamile inkolelo yokuthi "izinhlelo ze-VHI zilungele abantu abaphilile kuphela". Bathi ukuphela kwesivumelwano se-VHI kudinga ukuhlolwa okuphoqelekile kwezokwelapha, futhi inqubomgomo, ngenxa yalokho, ayihlanganisi amacala ayinkimbinkimbi, izifo ezingapheli, ukungenelela okuphuthumayo.
Vele, akunjalo neze! Uma ukhipha inqubomgomo ye-VHI enkampanini yomshuwalense enkulu nethembekile esesikhundleni esiphambili emakethe yomshuwalense, khona-ke ububanzi bokusebenza kwale nqubomgomo, njengomthetho, buzoba banzi kakhulu. Futhi ukubhaliswa ngeke kudinge umzamo omkhulu - ngokwesibonelo, enkampanini yase-Ingosstrakh, ukuqeda inkontileka yomshwalense wezokwelapha ngokuzithandela, udinga kuphela ipasipoti noma enye idokhumenti efakazela ubunikazi bomninipholisi noma omele yena. Vele, akukho ukuhlolwa kwezokwelapha okudingekayo - udinga nje ukugcwalisa uhlu lwemibuzo elula.
Ngasikhathi sinye, inqubomgomo ye-VHI ekhishwe yi-Ingosstrakh ihlanganisa uhla olukhulu lwezinkinga ezingaba khona: ukuqala kwesifo esibuhlungu, ukubhebhetheka kwesifo esingelapheki, ukuhlukumezeka (kufaka phakathi ukusha, isithwathwa) nobuthi.
Ibhulokhi 3: Kuyiqiniso yini ukuthi abantu abaneminyaka yobudala yokusebenza kuphela abanomshuwalense ngaphansi kwe-VHI? Ngemuva kwakho konke, umshwalense wezingane nasebekhulile awuyenzi nzuzo enkampanini?
Lokhu akulona iqiniso. Ngaphezu kwalokho, izinkampani zomshuwalense ezinekhono ziyaqonda ukuthi kusencane nasebudaleni lapho isidingo sosizo lwezempilo olusheshayo nolufanelekile lukhulu ngokukhethekile. Ngakho-ke, bazama ukwenza izinhlelo ezikhethekile zomshuwalense zawo wonke amalungu omndeni adinga ukunakekelwa okukhethekile nokunakwa.
Vimba 4: Akulula yini kuleli cala ukukhipha inqubomgomo ye-VHI eyodwa yomndeni wonke?
Eqinisweni, lokhu kumane nje kungenye yalezo zinketho ezifanele ezikuvumela ukuthi usebenzise ngokunengqondo izinsizakusebenza zezezimali nesikhathi somndeni! Ngokuyinhloko, umkhiqizo "Vala abantu", othuthukiswe enkampanini "Ingosstrakh", ikuvumela ukuba uxhumeke kunqubomgomo ye-VHI hhayi kuphela umlingani nezingane, kodwa futhi nabazali asebekhulile.
Ngasikhathi sinye, zonke izinsizakalo zenziwa ngesisekelo senethiwekhi yethu yemitholampilo "Yiba nempilo" nethuba lokuvakashela umtholampilo olungele kakhulu esimweni ngasinye. Yonke imibhalo igcinwa isesimweni se-elektroniki, ukuze kuthi noma kuvakashelwa imitholampilo ehlukene kwinethiwekhi, yonke imininingwane yezokwelapha yesiguli izotholakala kudokotela.
Ibhulokhi yesi-5: Ungaqiniseka kanjani ngekhwalithi yokunakekelwa kwezokwelapha kanye neziqu zodokotela ohlelweni lwe-VHI?
Ukuthola usizo oluthuthuke kakhulu kwezobuchwepheshe futhi olufanelekile, kubaluleke kakhulu ukukhetha inkampani yomshwalense ethembekile esebenza kuphela nabalingani obethembekile. Kuhle uma inkampani yomshuwalense nayo inenethiwekhi yayo yemitholampilo, insizakalo yayo ehlangabezana nawo wonke amazinga ezokwelapha emhlabeni jikelele.
Ingosstrakh yisibonelo esihle kakhulu somshwalense onokwethenjelwa onerekhodi eliqinisekisiwe. Ubelokhu esebenza ngokukhethekile ezinhlotsheni ezahlukahlukene zomshuwalense iminyaka eminingi futhi ebalwa ngokufanele phakathi kwezinkampani eziphezulu zomshuwalense ezimakethe zaseRussia.
Inqubomgomo ye-VHI evela ku-Ingosstrakh iyindlela enhle yokunakekela impilo yakho futhi wabelane ngomthwalo wesibopho senhlalakahle yomndeni wakho nomlingani onokwethenjelwa!