Umshuwalense abasubathi ukuqeqeshwa kanye nokuncintisana

Njengoba iyiphi imisebenzi yezemidlalo ngenxa uhlobo oluthile ingozi, abasubathi abaningi bathanda ukuba acele ukusekela ezihlukahlukene izinkampani zomshuwalense. Kukholakala ukuthi lokhu siphephe kudingekile, okuvumela ukuvikela impilo nokuphila abathandi professional kanye emidlalweni eyingozi. Futhi ukulandelana enjalo yezenzo Sokuzivikela hhayi kuphela yabadlali olulodwa, kodwa futhi amaqembu wonke, amaqembu. Kanjani umshuwalense yabadlali?

Ingabe inqubo yomshuwalense okuyimpoqo?

Kukholakala ukuthi umshwalense - Kulokhu kunemibandela yokuzithandela. Okwamanje, inqubo yomshuwalense wokuphila sabantu wahlanganyela kwezemidlalo, kuyimfuneko saziso. Futhi lokhu awasebenzi kuphela abadlali professional, kodwa futhi ukuba imfundamakhwela amateur.

Ngokusho kochwepheshe, akekho ngeke uvumele wena noma ingane ngaphandle kwenqubomgomo. Kulesi simo, umshwalense ingozi (abasubathi noma abathandi) ukuvikela hhayi kuphela abanikazi yomshuwalense, kodwa futhi unesibopho ibandulo labaSebenzi neziphathimandla zabo.

Ngokwesibonelo, phakathi ukuqeqeshwa ejimini ngezinyawo zakho induku ngawa futhi ubuhlungu umlenze wakhe. Ngenxa yalokho, kufanele yesimangalo kuya Gypsum kanye abaqeqeshi noma abanikazi ihholo mayelana nokuphepha. Uma kukhona umgomo ukuxazulula le nkinga kuzoba inkampani yomshuwalense. By endleleni, lo mthetho osebenza ngaphakathi umthetho Federal "Ngo umshwalense ayimpoqo".

Yikuphi zezemfundo ziyadingeka ukukhipha inqubomgomo?

Ngokomthetho, iningi izikhungo zemfundo kudingeka afeze umshwalense yabadlali noma abathandi. Zezemfundo zibala hhayi kuphela izikhungo zezemidlalo kanye izakhiwo, kodwa futhi izingxenye, amakilabhu, amakamu, ukuqeqeshwa okuhlushwa, izikole, amakilabhu kanye nabanye. Ngesikhathi esifanayo abameleli kulezi zinhlangano bakhululekile balawule nemigomo nenkokhelo edingekayo yokwamukelwa ngokuqondene nomsebenzi wokuziphilisa.

Yiziphi umshwalense ukuze abasubathi?

Linani selilonkhe lebantfu labange izinqubomgomo abasubathi amateur kanye nezifundiswa zingahlukaniswa zibe izinhlobo elandelayo:

• yomshwalense yabadlali;
• ukuphepha net yengozi;
• ukuqeqeshwa (uhlobo isiqinisekiso ngesikhathi wokulungiselela inqubo ukuqeqeshwa);
• professional (Reinsurance ku imincintiswano, marathons nezinye izenzakalo).

Kafushane, uhlobo umshwalense incike ezingeni kulungiselelwa umfundi kanye ezihlukahlukene kwezemidlalo.

Yini ehlangene imfuneko sokubhaliswa esiyisibopho Inqubomgomo?

umshwalense okuyimpoqo kwabadlali - Ukuze bagweme ukubanjwa esingagcini nje isinxephezelo izindleko ekwelapheni isisulu, kodwa ngisho ukukhokha inqubo yokutakula izindleko. Ngokwesibonelo, ngesikhathi omunye amameshi hockey Umgadli ithimba Russian eyaziwa sathola igalelo sína puck. Ngenxa yalokho, wayiswa esibhedlela. Kodwa ngoba ngaphambi ukuthi ingozi oVikelwe, yomshuwalense amboze ngelashwa izindleko.

Izinqubomgomo ezisiza ukuthathelwa umshuwalense umsubathi abalandeli ngesikhathi ukuqeqeshwa, ukunikeza ithuba ukumboza iqhaza kwazo ekamu lokuqeqeshela, travel. Ngaphezu kwalokho, bababukela unikeze izinketho ezengeziwe enze kube nokwenzeka ukuba ukuthathelwa umshuwalense ukuphepha imibhalo yabo, izinto abazidingayo, amathuluzi, amafomu. Ngosizo lwabo, ungase futhi ukunikeza ehluphayo umnyuziki civil.

Yiziphi ezinkulu ezemidlalo isidingo kwinqubomgomo?

Kukhona uhla olukhethekile kwezemidlalo ehilela yokubhaliswa umshwalense ayimpoqo. Lezi zihlanganisa, isibonelo, ukugwedla, acrobatics, Aikido nezinye karate izinhlobo. Lapha kungenzeka ukungena ballroom ukudansa, ukugijima, basketball, ibhola, Biathlon, sawo esiningi, bowling kanye nabanye.

Yini okufanele ube umgomo: Izidingo

Kuwe, ingane noma iqembu ungeniswe umsebenzi, kanye nomshuwalense ofunekayo. Nokho, akubona bonke bazokwazi ukuza. Kukholakala ukuthi kumelwe ahlangabezane nezimfuneko ezithile. Ngokwesibonelo, umshwalense kubagijimi ukuqeqeshwa kwenziwa mkhakha okhethekile umshwalense. Ivame unikeze imininingwane inhlangano futhi kukhona uphawu ezimanzi.

Ngaphambi ukuqeqeshwa uzodinga ukunikeza Inqubomgomo iphrintwe noma ngomumo. Kufanele kube khona idatha elandelayo:

• efakwe umfundi zokuqala (igama eliphelele);
• Inombolo kanye nonyaka lokuzalwa;
• kwenkathi yomshuwalense;
• usuku lokuphelelwa yisikhathi;
• uhlobo umsebenzi ngokomzimba (ukuqeqeshwa yokufaneleka ejimini, isibhakela);
• izinombolo ezihleliwe yesivumelwano;
• inani umshwalense isinxephezelo.

Imininingwane Ukusabalala kanye nenani

Okulandelayo umshwalense kumelwe amboze ngokugcwele yonke inkathi ukuqeqeshwa ohlosiwe. Uma usuku lokugcina ukuqeqeshwa okuqhubekayo ayihloliwe (isibonelo, kulindeleke ukuba babambe iqhaza amaningana imincintiswano, imibuthano, ukuqeqeshwa sessions), inqubomgomo kumele wenza kuze kufike endaweni ebekelwe. Kulokhu-ke kungcono ukukwenza isikhathi esingaphezu konyaka.

Uma sikhuluma inani umshwalense, kufanele kukhethwe ngokuvumelana namakhono abo zezimali kanye nokuhuheka nezinkanuko. Kodwa umuntu kumele aqondisise ukuthi mkhulu inani umshwalense, ayanda kungenzeka isinxephezelo. Ngenxa yalesi sizathu, umshuwalense wokuphila kanye nempilo athlete kumele kwenziwe ngesilinganiso esiphezulu.

Yini izingozi utawufaka?

umshwalense ehlotshisiwe anganikeza lezi zinhlobo ezilandelayo iziqinisekiso:

• phezu okuvela sokukhubazeka yesikhashana;
• kusukela kungenzeka ukukhubazeka;
• uma ukufa ezingalindelekile.

Ikakhulukazi, umshwalense kubagijimi ukuqeqeshwa kanye nokuncintisana kunikeza ithuba uthole 1-100% semali yokuqala inqubomgomo phezu okuvela sokukhubazeka yesikhashana. Kulokhu, esimweni ngasinye kubhekwa ngokwehlukile. A nokubuyisela kunqunywa ngokuhambisana etafuleni wenkokhelo ejwayelekile.

Uma kuvele ingozi ezaholela ukukhubazeka, inani isinxephezelo kuzohluka phakathi 60-90% yezindleko umshwalense. Futhi okubi nakakhulu ukuthinteka ukulimala komuntu kwesamba, ayanda isinxephezelo.

Phezu okuvela ukufa amateur noma athlete umshwalense sithembisa ukukhokhela 100% isinxephezelo nezihlobo zomufi. Yingakho kudingeka abasubathi umshwalense.

Kusukela lokho imingcele inquma intengo?

Izindleko umshwalense lincike ohlotsheni ezemidlalo, elibhekene nomse- umuntu kwesamba. Isici sesibili ezibalulekile ezithinta intengo, ubhekwa ubudala. Isibonelo, ziyahlukahluka kusuka iminyaka engu-18 kuya 65. Umbandela wesithathu - inani lapho umuntu usungaphansi komshuwalense manje.

Kuyaphawuleka ukuthi inqubomgomo olulodwa ingafaka 3-4 ezemidlalo. Ngokwesibonelo, uma ulindele umshuwalense wezempilo kwabadlali, ngokuhlanganisa ukuqeqeshwa ukubhukuda wrestling. Kafushane, le ndlela yokukhuluma olufanele labo uhlela ukuvakashela amakilabhu ezemidlalo eziningana. Nokho, kuhle ukucabangela ukuthi inani afakwe inqubomgomo ezemidlalo neze ezithinta ukubaluleka kwayo. Kulesi simo bazohlolwa ebuhlungwini iningi labo.

Lapho ekhishwe umshwalense iqembu?

Izinkampani eziningi umshwalense kukhona kungenzeka ukubhalisa nezinqubomgomo iqembu. Lokhu kukhetha efanelekayo abantu abahlela ukuba bahlanganyele uhlobo olufanayo umsebenzi ngokomzimba, isibonelo, ababegwedla isikebhe. Imfuneko umklamo yomshuwalense enjalo ngezinga elifanayo iqiniso lokuthi nayizimfundamakhwela noma ochwepheshe basonta abangontanga efanayo. Nakuba isibalo sabantu eqenjini ayikwazi ukudlula abantu 30.

Phakathi kanjani olubanzi?

Ipholisi yomshuwalense ngokuvamile usebenza ngaphakathi Russian Federation. Lokhu kubhekiswe kuzo zonke izikhungo zemfundo. abaphathi umshwalense ehlotshisiwe ziyadingeka ukuthatha zonke izigaba ezemidlalo nemibuthano. Uma ufisa ukuthola lo mthetho izilokotho ezinhle kwamanye amazwe, kufanele kube olunye umshwalense esehlanganise sezindleko zokwelashwa phesheya.

Indlela yokufaka isicelo ngokushesha?

Ukwenza umshuwalense ukuze mncintiswano futhi ukuqeqeshwa kungenzeka kokubili umuntu uvakashele ihhovisi inkampani noma ku-inthanethi. Kuyaphawuleka ukuthi esimweni sesibili, yonke le nqubo ithatha akukho kuka imizuzu 5-7. Ukuze abale izindleko inqubomgomo, njengoba umthetho, kumawebhusayithi of izinkampani zomshuwalense eqhuba wokubala inthanethi. Isibonelo ekubaleni amazinga umshwalense kungabonwa esithombeni ngezansi.

Kanjani ukwenza uma umcimbi insured?

Okokuqala, udinga ukwehlisa umoya ukungaxhamazeli. In the isinyathelo sesibili kufanele kube impoqo ukubiza hotline futhi sibike leso simo. Uma ukulimala iphutha, ezidinga esibhedlela esiphuthumayo, kumele ulungiselele inqubomgomo (esethulwa eMihlanganweni Yesigodi yokubhalisa kwemibhalo nesineke) futhi ucele 'umbiko kontanga sigameko enkampanini yomshuwalense.

Ngokulandelayo, uzothintwa ngumuntu ummeleli wenkampani, okumele chaza kafushane isimo, ukhombise inombolo inkontileka kanye nenye idatha yomuntu siqu ukuhlonza.