Inishuwarenzi shoma - ichokwadi

Mumakore achangopfuura, kuwedzera kunzwa kubva TV chidzitiro kana kumwewo mashoko pamusoro inishuwarenzi. With Panyaya rokumanikidzirwa chikamu - iri nyore (hapana sarudzo: kuva mutemo kana vasina). Asi nokuzvidira chikamu inobvira zvitaviro kunoda zvakawanda pachena ruzivo munharaunda iyi. Ngatimbotaura pamusoro inishuwarenzi youpenyu. kukosha kwayo uye kudiwa nerimwe.

nyaya

Kutanga upenyu inishuwarenzi anosarudza kuEngland muna XVIII remakore. Atova inotevera remakore, pfungwa iyi akaendeswa Germany, France, United States, tsarist Russia. The chikuru Misimboti basa zvinoshandiswa munyika yanhasi. 90% yevanhu vari Europe uye America nhasi kufukidzwa inishuwarenzi youpenyu. MuRussia, mufananidzo uyu yakaderera chaizvo.

musimboti oparesheni

Inishuwarenzi musimboti pachayo nyore uye zvakananga. Munhu akabhadharira shoma (ndiko mumwe mari iri rwakabhadharwa kuna kambani yacho inishuwarenzi kuti vawane basa inishuwarenzi). An chiitiko insured inopiwa chibvumirano - iri nemhosva kana vatsivi ayo (panyaya rufu insured munhu) inotengwa imwe mari. Kana inishuwarenzi youpenyu, ipapo zvakare inishuwarenzi, uye mari. Sezvo inishuwarenzi shoma (inishuwarenzi kubhadhara) - iri mari mubhizimisi munhu kuti purofiti. Vatengi mari kambani invests iri nhumbi siyana dzemari (Real Estate, kuchengetedzeka, bhengi deposits, etc.). Panoperera kondirakiti anenge adzoka, Verengai mipiro inishuwarenzi ndinoiitawo inivhesitimendi mari. Kana vafa insured kuguma mari mutemo iri chitsama vakabvumirana asati Verengai insured iri inobhadharwa vanobatsirwa (kazhinji womumhuri).

kukurumbira

MuRussia, pamusoro yokuzvidira inishuwarenzi, vose zvavo, munhu inopedza kusvika 2% kuti zvakaoma. Nepo munyika dzakawanda Europe vagari, zvinotora 1/3 kubva pamwedzi mari. Chikuru chikonzero unpopularity, maererano insurers, kusaziva kwevanhu vanenge chigadzirwa ichi uye ayo nezvehukorokodzwa. Somugumisiro - kutya kuti mari inofanira kupiwa kwemakore 10 kana kupfuura munguva vanhu kwakakwirira zvikuru kupfuura chido kuzvidzivirira uye vadiwa vavo, apo kupa guta pacharo. Asi musika inishuwarenzi layfovogo iri kukura nokukurumidza. Maererano Association of inishuwarenzi youpenyu, premiums muna 2013 yakawedzera 40,6% ichienzaniswa 2012. Izvi, chaienzana unganidzwa nokuda inishuwarenzi vomuUmambo upenyu yakawedzera 59,9%. Mumakore mana apfuura, musika saizi hwava katanhatu zvakawanda.

Raidiwa mapurogiramu vana Russian wacho. Panyaya iyi, inishuwarenzi shoma - remangwana mwana, izvo nokuti vokuRussia anogara mubvunzo nhamba 1.

kukosha

Chii anopa chirongwa inishuwarenzi youpenyu munhu?
• kuchengetedzwa zvemari kana rufu, vakaremara, uye zvirwere zvakasiyana-siyana.
• The mukana mari mitengo.
• Kugadzirira inivhesitimendi mari.
• Kuumba guta yeramangwana woga aine kodzero nhaka vanobatsirwa.
• Kuumba guta vana vavo.

nezvaidzivirira

Nokuti nyika mumakore 200 apfuura, kambani hapana layfovaya inishuwarenzi hakusi kusauka. Izvi akwanise neboka kudzora dzakajeka dzavo mabasa neHurumende uye wegadziriro reinsurance.

mikana

Kuti nguva dzose mari, unofanira kukwanisa dzokurasa zvakanaka. Kunyange mari duku kunogona akamirira 10%. Ita muripo inishuwarenzi - zvinoreva kutanga mari pachavo, uye ipapo vakasara kubatsira yakajeka. Cash kuchengeterwa kubatsira zvikuru dzinonetsa ezvinhu.