I-inshurensi licandelo lezahlukeneyo kangangokuba unezisombululo zomsebenzi ngamnye ovela ebomini. Ukusuka kwelona ngokwesiko, ezinjengezo ze ikhaya okanye imotoUkuya kwezinye izinto ezizodwa kunye nezinto ezintsha ezinokuthi zikukhusele nakweyiphi na imisebenzi yomzimba, enjengokubaleka. Ewe, akukho mida ekubhaleni phantsi nayiphi na kwezi mveliso zeinshurensi. Kufuneka ucace gca malunga neemfuno zakho zokwenyani ngokubhekisele kwezi modeli zokukhusela.
I-inshurensi ingabandakanywa kwiindidi ezahlukeneyo, kwaye apho zibandakanywa khona uhlobo lomngcipheko, ipremiyamu, indawo ekuyo okanye umsebenzi wobungcali owenzayo. Enye into onokukhetha kuyo ukusukela ngoku yile ibhekisa kwi-inshurensi yoncedo lwezomthetho, uncedo lokuhamba kwaye, ekugqibeleni, ukufa. Ngayiphi na imeko, zezinye zezona zixhaphakileyo onokuzifumana ngalo mzuzu kanye. Ngamafutshane, uninzi lwamathuba anokuvulela angenamda, njengoko uza kubona ngezantsi.
Awunakulibala ukuba icandelo leinshurensi lelinye lawona makhulu akhoyo ngoku. Kuba ngokwenyani, yonke into inokuqinisekiswa nakwezona zingenakwenzeka, ezinjengezakho izandla ezinokuthi emva kwako konke zibe isixhobo somsebenzi kweminye imisebenzi. Umzekelo, kumagcisa, intatheli, ababhali okanye abayili. Apho umsebenzi wakho wokuqala uza kusekelwa ekulinganiseni umngcipheko onokuthi uchaphazele ukuthembeka komzimba okanye impilo ye-inshurensi. Ayilolize, ayisiyiyo nayiphi na imveliso, ekude kuyo. Yinto eza kukuqinisekisa ukusukela ngoku.
I-inshurensi yokuhamba
Ngaphakathi kolu luhlu lweinshurensi onokuthi uyirhumele ukusukela ngoku, enye yezona zinto zibalulekileyo yile ibhekisa kuyo ukuhamba ngomoya. Eyona nto iphambili kuyo kukuba ekugqibeleni iya kukubuyekeza ngokusesikweni phambi kwayo yonke into enokwenzeka kuwe ngexesha lokuhlala kwakho kule ndlela yothutho. Kwelinye icala, sisixhobo esinamandla sokukhusela okanye ukukhusela naluphi na uhlobo lokuthengisa okanye izinto. Kule meko, ilunge kakhulu kubarhwebi abazinikele kwintengiso yeemveliso zabo okanye amanqaku.
Kwinqanaba elilinganayo, i-inshurensi yaselwandle yenziwa kwaye iinjongo zayo eziphambili kukukhusela abasebenzisi kunye nezinto zabo nasiphi na isiganeko ezinokudalwa ngaphakathi kwinqanawa. Nangona enye yeenjongo zayo ezilandelelweyo zihambelana nokuhamba kunye nokonakaliswa kwempahla. Baqinisekile ukuba banezicelo ezahlukeneyo ngokuxhomekeke kwinjongo okhangele kuyo ngexesha ngalinye. Uninzi lwezinto ezinokuphuhliswa kweli candelo lentengiso.
IziHlomelo
Ukuqinisekisa ikamva yenye yeenjongo eziphambili zeinshurensi. Ngale ndlela, ukuhlawulwa kwepremiyamu ngaphandle kwamathandabuzo okunokukukhusela kwiimeko ezingalindelekanga ebomini bakho. Akukho nto, kanye o-inshorensi uyafa, Ukuqwalaselwa yinkampani yeinshurensi kwenzeka ngomvuzo onokuthi ube ngohlobo lwengeniso okanye imali eyinkunzi. Apho abaxhamli ngokwabo baya kuyifumana khona le mali kwaye rhoqo. Olu hlobo lweeprimiyamu lunokuba lolwexeshana kwaye kufuneka ubeke ixesha apho umgaqo-nkqubo ugubungela khona. Inokuba yiminyaka embalwa ubudala okanye i-20 okanye i-30 ukuba le yiminqweno yakho.
Kule meko, ungaya nakwinto ebizwa ngokuba yi umzala ongatshatanga. Eyona nto ibandakanya umnini-polisi kuphela esenza inkcitho kwikota yesivumelwano. Ke ngoko, le yenye indlela esebenzayo yokuqinisekisa ikamva okanye ezona zihlobo zisondeleyo ebusweni bento enokwenzeka ukusukela ngexesha lokuqeshwa kwabo. Akumangalisi ukuba yenye yeendlela zeinshurensi eziqhelekileyo kulwakhiwo lwayo. Kuba ngaphezulu kwako konke uyakube ujonge kwiziphumo zento enokwenzeka kuwe kwiminyaka ezayo. Ayisiyondlela imbi ukubona ikamva.
Iinkqubo ezihlangeneyo
Ngaphandle kwenkolelo edumileyo, i-inshurensi ayifanelanga ukuba ibe yeyomntu ngamnye. Hayi kangako. Kukwakho oko kubizwa ngokuba njengendibaniselwano Ezona njongo ziphambili kukukhusela iqela labantu, nokuba umgaqo-nkqubo wenziwe ngumnini-polisi omnye. Banokuba liqela leengcali (ababhali, abasebenzi, abatywini, njl. Njl.), Kodwa nabahlali bengingqi okanye iimbaleki ezithatha inxaxheba kwimidlalo. Ngayiphi na imeko, olu hlobo lukhethekileyo lweinshurensi lubonakaliswa yimfuno yebhondi phakathi kwawo onke amalungu ayo.
Oku kubizwa ngokuba kukukhetha i-inshurensi kuxhomekeke kwinani le-inshurensi kwaye ngumkhwa oye wanda kule minyaka idlulileyo ngenxa yesidingo esinamandla kubo. Kwelinye icala, sisicwangciso esiliqili sokugcina imali kuba ipremiyamu ngexabiso eliphantsi isasazwa kubo bonke abo bachaphazelekayo. Ukongeza, kwezinye iimeko ngekhe ubenayo enye indlela yokuyirhumela, ngokomzekelo kwenzeka noluntu olumelwane. Kodwa njengazo ezi nakwamanye amaqela amaninzi alo naluphi na udidi kunye nemeko.
Ukhuseleko lomntu
Esinye sezona inshurensi zisisiseko onokuzifumana kwicandelo lelo linomthombo wesalathiso kwi-inshurensi ngohlobo lomngcipheko. Ngale ndlela, olu didi lweemveliso zemali lugubungela ngaphezulu kwayo yonke imingcipheko kwintembeko yabantu. Ngaphakathi kweli qela libalulekileyo kukho ezo zibhekisa kwi-inshurensi yobomi kwaye inxulunyaniswa nemiba efanelekileyo njengoko iingozi, ukugula Nditsho nokufa kunye nokungcwatywa ngokufanelekileyo kwe-inshurensi. Akufanele ilahleke kwipotifoliyo yakho ye-inshurensi yangoku, yenye yezona zixhaphakileyo kwaye zithengiswa ziinkampani zonke zeinshurensi.
Kwelinye icala, awungekhe ulibale ukuba kolu didi lubalulekileyo kukho i-inshurensi yezixhobo. Ngaba zizo Khusela umonakalo wento. Eli candelo libandakanya ukugquma okwaziwayo njengezo zihambelana nemililo, ukuphanga, izehlo zothutho okanye iimoto, okanye ezo zithathwe kwimisebenzi yobungcali. Yenye yokulungiswa kubasebenzisi. Ukubaluleka kwayo kukuba zininzi iindlela zokwenza iikhontrakthi kangangokuba akunakwenzeka ukuba uzigqume, kungasathethwa kangako ngokudweliswa ngendlela othanda ngayo.
I-inshurensi yabucala
Usenokungayazi, kodwa ezi ntlobo zikhethekileyo zemigaqo-nkqubo zibonakalisiwe kuba ekugqibeleni oqinisekisa inkampani, intsebenziswano okanye ukusebenzisana. E-Spain bakudidi lweemveliso ezi electives okanye amavolontiya ukuba abhalise. Apho ukhetho lonyango lwabucala luhlala lunomdla omkhulu kwinxalenye enkulu yoluntu, elixabisa ithuba lokukhetha ugqirha okanye isibhedlele, kunye nesantya sokuya kuboniswano. Kwaye apho enye yezona zinto zifunwayo zifunekayo yile inento yokwenza nokunikezelwa kwenkonzo entsha njengoluvo lwesibini lwezonyango.
Kwelinye icala, olu hlobo lweinshurensi luxhasa impilo yoluntu kwaye lunokugubungela izikhewu ezingagqitywanga kule nkqubo yezempilo. Ngokubanzi kubandakanya iinkonzo zamazinyo ayihlanganiswa yimpilo yoluntu. Ngakumbi nangakumbi abasebenzisi bafuna ukontraka kolu hlobo lweenkonzo eziyimfuneko kwaye kwangaxeshanye zikhethekileyo. Apho, ngaphezulu kwako konke, ukukhuselwa kwempilo yakho kunye neyakho kukoyisa. Ayilolize, izalamane ezisondeleyo zinokuxhamla, njengamaqabane nabantwana.
Izilwanyana zasekhaya kunye nezinto ozithandayo
Okokugqibela, le ndlela ayinakulityalwa kwimigaqo-nkqubo apho kukho nayiphi na into oyithandayo ngexesha lokusayina ikhoyo. Elinye lawona matyala aqhelekileyo kukuzingela, ukuloba, isikhephe kunye imisebenzi yezemidlalo ngakumbi njengokuntywila emanzini. Yonke into iyangena xa kufikwa ekuqinisekiseni kwimisebenzi ononxibelelwano kakhulu ngonyaka. Kuzo uninzi lweziganeko ezinokuvela ezinokukunika uloyiko olungaqhelekanga. Ukulungisa le ngxaki, kuye kwavela uninzi lweinshurensi de kwaba yiminyaka embalwa edlulileyo eyayingaphantsi kokungaqhelekanga kwicandelo lenkampani yeinshurensi.
Apho kukho ithuba leengozi ezinokuthi zichaphazele wena okanye izinto ezinxulumene nelifa lakho ezinokuba novakalelo ngakumbi kuso nasiphi na isiganeko esenzeka ngelixa uqhuba igalufa, imidlalo yezolwandle, imidlalo enobungozi okanye nawuphi na omnye umsebenzi onovakalelo kwezi inshorensi entsha. Ngamafutshane, kwaye njengoko sele ubonile kweli nqaku, yonke into inokwenziwa ngesivumelwano nge-inshurensi. Kwanawona manqaku mncinci aphononongiweyo kule minyaka idlulileyo. Akumangalisi ukuba eli candelo lichume kakhulu kwaye liquka iinkalo ezahlukeneyo zobomi. Apho eyona nto iphambili kukukhusela ezi mveliso zikunika zona.