Inxalenye elungileyo yeenkampani zeinshurensi zinika abantu abaziqeshileyo ukuba babhalise umgaqo-nkqubo ukukhubazeka okwethutyana, ebavumela ukuba bagcine umvuzo wabo ngeli xesha bengakwaziyo ukwenza umsebenzi wabo wobungcali. Ngenxa yale meko, ayimangalisi into yokuba iibhanki kunye neenkampani zeinshurensi zijike zaya kwicandelo eliziqeshileyo, libanika imveliso eyenzelwe bona kunye neemfuno zabo. Ngezinto ezahlukeneyo zokugubungela ezikude kakhulu kwiimodeli zomshuwalense zemveli.
Kule meko ngokubanzi, esi sibonelelo siqukethe iimveliso ezimbini, kwelinye icala i-inshurensi yokukhubazeka okwethutyana, evumela oko gcina umvuzo wakho kumaxesha apho bengakwazi ukwenza umsebenzi wabo. Kwaye kwelinye icala, imigaqo-nkqubo yezempilo, egubungela ezonyango ngokubanzi kunye nesiqinisekiso sokulaliswa esibhedlele xa kunokwenzeka nasiphi na isiganeko esikolu didi lwabaphathi bomgaqo-nkqubo Ngokubanzi, i-inshurensi eluncedo kakhulu kubasebenzi abaziqeshileyo, okungaphezulu kwabo bonke abaqinisekisa umvuzo omncinci, kwimeko yokugula okanye yengozi. Ngoncedo olongezelelekileyo lokubonelela ngophuculo lwerhafu ekuqeshweni kwabo.
Enye yezi modeli yi-inshurensi yethutyana yokukhubazeka, evumela umnini ukuba agcine umvuzo wakhe ixesha elide engakwaziyo ukwenza umsebenzi wakhe wobungcali. Ngale inshurensi yonyaka evuselelekayo, ngumnini-sigqibo owenza isigqibo ngengeniso yemihla ngemihla anqwenela ukuyifumana nokuba uyafuna kusini na ukuyibhatala kwiminyaka ezayo. Xa kunokwenzeka Hlawula ipremiyamu, qho ngonyaka okanye ngezavenge. Ukongeza, uya kuba nakho ukuxhamla kwiziqinisekiso ezibini, ezokukhubazeka okwexeshana kunye nokulaliswa esibhedlele nangasiphi na isizathu, phakathi kwezinye izibonelelo ezifanelekileyo.
Imigaqo-nkqubo enekhefu lokugula
Ngayiphi na imeko, i-inshurensi yekhefu lokugula yenye yezona ndawo zixhaphakileyo kwisibonelelo esiboniswa ngamaziko emali kunye neenkampani zeinshurensi ngokwazo. Ngeefomula njengobuchule njengaye, umzekelo, ezo zithathwe ekuboneleleni ngeniso yemihla ngemihla yokukhubazeka okwethutyana. Apho imeko enokuveliswa ngolu hlobo icingelweyo Iziphumo zengozi, zokubeleka okanye zokugula, phakathi kwezinye izehlo. Ngokuchasene noko, ayiboneleli ngeprimiyamu eyongezelelweyo yokuqhuba izithuthi kuyo nayiphi na indlela yayo.
Yimveliso ebalasele ngaphezu kwako konke kuba bagqibe kwelokuba babandakanye ukugubungela okhethekileyo okhethekileyo kweengozi ezenzeka kokubini kuphuhliso lomsebenzi wabo wobungcali nakubomi babo bemihla ngemihla. Ngelixa kwelinye icala, kunyanzelekile ukuba ugxininise ukuba ngeli xesha olu hlobo lweinshurensi ithengisiwe ukuze abasebenzi abaziqeshileyo bakwazi ukuqokelela kusuku lokuqala umvuzo abaya kuyeka ukuwufumana ngelixesha bahlala ngalo , Logama nje idlula iintsuku ezintathu ezilandelelanayo. Ngobukho bokwenene bokuqhekeza ngaphandle kwentlawulo eyongezelelweyo njengenye yezona zinto zibalulekileyo zokukhuthaza ukuqeshwa kweli candelo labemi baseSpain.
Imali yeinshurensi yabantu abazisebenzelayo
Olunye lolwahlulo lwayo olunobunkunkqele yile inento yokwenza necandelo layo, ukugubungela okunje ngenjongo yokumisela intlawulo kubaxhamli be-capital eqinisekisiwe ngumnini. Kule meko, phakathi kweziqinisekiso ze-inshurensi zezi zilandelayo esizibhengeza ngezantsi: ukufa, Ukufa ngengozi, ukukhubazeka ngokupheleleyo nokusisigxina nasiphi na isizathu, phakathi kwezinye zezona zibalulekileyo. Ngelixa kwelinye icala, kufuneka kugxininiswe ukuba kwi-inshurensi engaphezulu kwe-100.000 euros nakubantu abangaphezulu kweminyaka engama-50 ubudala, kufuneka kwenziwe uviwo lwezonyango olusimahla.
Esinye isindululo sabasebenzi abazisebenzelayo zezi zibizwa ngokuba zizicwangciso ezibanzi ezilungiselelwe ngokukodwa ukubuyekeza ingeniso elahlekileyo kwimeko yekhefu lokugula. Inokuphinda ikontrakthi iqinisekise ukugula kwabasebenzi okanye amagqabi engozi, kunye nokujongela phantsi iindleko ezenziweyo, abo bazisebenzelayo bafumana umrhumo. imbuyekezo ngexesha abangasebenzi ngalo. Ukongeza, ngale modeli kwimigaqo-nkqubo ungonwabela ukhuseleko kwezonyango, kunye nesiqinisekiso sokulaliswa esibhedlele nangasiphi na isizathu.
Banembuyekezo yemihla ngemihla yee-euro ezingama-25 ezinokunyuswa ziye kuma-euro angama-50, ukususela ngomhla wokuqala. Ukongeza, umnini-nkqubo uya kufumana imbuyekezo eyongezelelweyo, ukuba ukurhoxa kwenzeka ngenxa yengozi kwaye ubude bayo bungaphezulu kweentsuku ezingama-30. Esinye sezindululo kule klasi yeemveliso zeinshurensi kukubonelela ngemigaqo-nkqubo emibini kwenye. Kwelinye icala, leyo yeengozi, kunye nembuyekezo yokuqala kunye nengeniso yenyanga ye-15 iminyaka kwimeko yokusweleka okanye yokukhubazeka ngokupheleleyo. Kwaye kwelinye, umgaqo-nkqubo wokugula, kunye neendleko zempilo ezingenamda. Ngenxa yoko, kumatyala okukhubazeka okugqibeleleyo, imbuyekezo yokuqala ye-30.000 ye-euro kunye nengeniso yenyanga ye-500 euro iya kuhlawulwa ngaphezulu kweminyaka emihlanu.
Ukukhubazeka ngokupheleleyo emsebenzini
Esinye isisombululo seli candelo libalulekileyo loluntu sisekwe kugqatso lokukhubazeka ngokupheleleyo emsebenzini, kuwo nawuphi na umsebenzi wobungcali onomvuzo wenyanga we-10 iminyaka kunye Uvavanyo lonyaka malunga neepesenti ezi-2. Ngelixa kwelinye icala, ezinye iifomathi ezenziwe ziinkampani zeinshurensi zisekwe ekunikezeleni umntu ozisebenzelayo i-inshurensi yengozi kweli candelo lobungcali, eligubungela ukufa ngengozi, ukukhubazeka ngokusisigxina kunye nethutyana okanye ukukhubazeka ngokupheleleyo. Igalelo eliphambili lesi sicelo kukuba ngumnini ngokwakhe onokukhetha inani lemali eyinkunzi, enika ubhetyebhetye ngakumbi kwiminikelo.
Ngamafutshane, sisibonelelo esibanzi kakhulu kwicandelo labucala leinshurensi eliguqulelwe kwiimfuno zaba basebenzi. Ngaphandle kokunye ukuthathelwa ingqalelo kobuchwephesha bendalo kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko. Sisiphi isisombululo kwiingxaki ezinokuhanjiswa kwezi ngcali. Ukusuka kunyango olwahlukeneyo kunye negalelo lezoqoqosho ezahlukeneyo kwiipremiyamu zabo zonyaka. Ukuze ngale ndlela ukhuseleko lwakho lube mkhulu kwiimeko ezahlukeneyo zobomi bakho.
Izibonelelo ekuqeshweni
Enye yezinto ekufuneka ixatyiswe ngakumbi yile inento yokwenza nokukhuselwa kwabasebenzi abaziqeshileyo. Ukuza kuthi ga kwinqanaba lokugubungela, baya kukushiya egqunywe bhetele ngaphambi kwalo naluphi na uhlobo lweziganeko okanye iingozi. Ngelixa kwelinye icala, banokucinga ngexesha abakulo ngaphandle kokukhulisa umsebenzi wabo wobungcali. Ngokusebenzisa izitolimende zenyanga nenyanga abanokuzonwabela iinyanga ezimbalwa, nangona zinefuthe elinomda kwimali abayifumanayo ngelo xesha.
Enye yeenjongo zawo nawuphina umntu ozisebenzelayo kukuzikhusela kwaye ngolu hlobo i-inshurensi ekhethekileyo iyazanelisa ezi mfuno. Ngeefomathi ezahlukeneyo kwaye apho nganye yazo ingafaniyo nenye. Ukuze ngale ndlela, elona lifanelekileyo kuye ngamnye linokukhethwa. Kananjalo ngokwahluka okuncinci malunga nexabiso lezi mveliso zeinshurensi.
Ukhetho olukhethiweyo lwecandelo
Abantu abaziqeshileyo banokwenza ikhontrakthi njengezikhuselo ezizikhethelayo ezinye ezinokuzikhethela kwaye ziya kufuna ukongezwa kwimali yonyaka yeprimiyamu. Kwiimeko ezininzi, ezi zigqubuthelo zijolise kunyango oluchanekileyo lwekhefu lokugula labasebenzi abaziqeshileyo. Enye yezona zixhaphakileyo zezi ukulaliswa esibhedlele sematheni abo. Apho, ukulungiselela le ngxelo, umnini-polisi angayifumana enye imali ukuba, xa enokugula okanye ngengozi, angeniswe esibhedlele kangangeeyure ezingama-24.
Enye yezona zinto zibaluleke kakhulu yile inxulumene ne ukuyeka ukusebenza. Kule meko, ukuba umntu okhuselwe nge-inshorensi uyasebenza kwaye unegalelo kuKhuseleko lweNtlalo oluZimeleyo, eMutual, eMontepío okanye kwiziko elifanayo elimiselwa ngumthetho. Isiphumo asiyi kuba sesinye ngaphandle kokuba ekugqibeleni uya kuqinisekiswa ngentlawulo yanyanga zonke yokupheliswa okungafunekiyo komsebenzi wakho. Iluncedo kakhulu kwimeko apho aba bantu bengasebenziyo okanye kufuneka beshiye umsebenzi wabo wobuchwephesha ngenxa yezizathu zemali.
I-30% yabasebenzi abazimeleyo banokuphakamisa igalelo labo
Ngokwesiqhelo umntu omnye kwabathathu abaziqeshileyo, i-28,7%, angonyusa isiseko senkxaso kuKhuseleko lwezeNtlalo ukuba izibonelelo abanelungelo lokuphucula zona, ngokwengxelo "Umsebenzi ozisebenzelayo phambi kokhuseleko loluntu”Yenziwe nguMbutho weSizwe wemiDibaniso yaBasebenzi abazisebenzelayo, i-ATA yeFundación MAPFRE.
Isifundo, Isiphumo sophando lwabasebenzi abangaphezu kwe-1.800 abaziqeshileyo, Injongo yayo kukuhlalutya indlela yabantu abaziqeshileyo kwiinkqubo zentlalontle, ezoluntu kunye nezincedisayo, kunye nokonyusa ulwazi lwabo lwezezimali kunye neinshurensi ukuze bakwazi ukwenza izigqibo ezizizo malunga nekamva labo.
Uphononongo lubonisa ukuba i-86% yabantu abazisebenzelayo banegalelo kwisiseko esisezantsi, esikwi-2019 sisetelwe kwi-944,40 euro ngenyanga. Ngaphandle kweli nani, kufanele kuqatshelwe ukuba ama-37,9% eqela acwangciselwe ukuba atshintshe kwaye anyuse isiseko senkxaso, apho i-28,7% ibonakalisa ukuba bayakwenza njalo ukuba izibonelelo ezinikezelwa kwiqela ngoku ziphucukile.