Umshwalense izingane kusukela Izingozi nezifo. umshwalense okuyimpoqo kwezingane kusukela izingozi

Lapho ukukhanya kuvele ingane, ukuphila komkhaya washintsha ngokuphelele. Manje abazali banesibopho hhayi kakhulu ngokuphila kwakhe njengomhlatshelo ukuze impilo entsha ukuthi abavunyelwe ukungena kuleli zwe. Ngo inqubo yokukhula indoda kancane ngokuvamile ubhekene nezingozi eziningi izehlakalo. Yingakho abaningi ngokuvamile umbuzo ophakamayo emphakathini kuyadingeka ukwethula umshwalense okuphoqelekile okwenziwa ezikhungweni izingane ezingozini. Kusukela izimo eziyingozi futhi esibucayi, ngokuqinisekile ngeke ukuvikela, kodwa ukusiza abazali abhekane nemiphumela Lenqubomgomo isivele ngempela onekhono.

Nokho, umshwalense ayimpoqo, kukhona eziningi izitha - ngokusho kwabanye ochwepheshe, kuphula abanye amalungelo abantu, ngoba wonke umuntu unelungelo lokunquma udinga yini umshuwalense noma cha. Ezinganeni, yebo, kuze kube yilapho yobudala yiyona isinqumo kumele ezenziwa abazali.

Ubani odinga umshwalense

Kuze kube manje, ingozi umshwalense esikoleni futhi zasenkulisa yobudala izingane yokuzithandela.

Ingozi - kuba ezingalindelekile, ezingalindelekile futhi akuxhomekile ukuzimisela izimo oVikelwe entailing ukungakhuli unomphela noma okwesikhashana zempilo. Kulokhu osekushiwo, kuyacaca ukuthi, nakuba ukuqala Kulokhu akekho ofuna bazivikele imiphumela yayo kufanele ngamunye. Ukuthi lokhu luwumgogodla umshwalense - uma ingane yakho Qha, makungabi njalo, kwenzeka noma yini, umthwalo, okungenani ngokwezimali, ngeke ukwabelana nawe enkampanini yomshuwalense.

Umshuwalense ingane kungenziwa ukhokhelwe ngenxa:

• ukulimala kuhlasimulise - ukulimala ukulungiselela, waphuka, Ukwenyela futhi dislocations, ukulimala okungaphakathi;
• izinkinga ezingalindelekile yesikhashana impilo - ubuthi, ukusha kanye nezinye izifo ezifanayo;
• ukukhubazeka kwanoma iyiphi degree;
• ngokwempilo yangenyama (ukufa) ingane ezincane.

Inkontileka umshwalense ezisazoba maqondana eminyakeni yobudala yomntwana kusukela ngonyaka owodwa iminyaka engu-17.

Ubuqili inkontileka umshwalense ingane

Ungakwazi ukuthenga inqubomgomo ngokushesha emva kokuzalwa, kungenzeka inkontileka waphetha unyaka owodwa futhi kwaphela iminyaka eminingana. Ngokuvamile, zisuke zihilela nokukhokhwa isinxephezelo esimweni lapho ingane ngenxa isimo esingalindelekile, futhi abadinga usizo. Umshwalense awubhekene izifo ezivamile ezifana SARS, ngaphandle ezimweni lapho isifo Kuvezwe ngenxa yengozi. Ngokwesibonelo, uma ingane anobuthi ngephutha ngakhoke livula isilonda, inkampani yomshuwalense uzokhokha for ekwelapheni lesi sifo.

Futhi-ke inezici ezithile futhi umshwalense yengozi izingane kwezemidlalo. Lapha kumelwe siqaphele kakhulu, ikakhulukazi labo abazali abanezingane zinengxenye kuhlasimulise ezemidlalo - karate, ibhola, isibhakela, yokuzijwayeza nokunye. Iqiniso lokuthi kukhona ebalulekile, lokunjani lelipelwe e inkontileka. Omunye khetho kungaba umshwalense esingashintshi kuze kufinyelelwe esikhathini iqhaza emncintiswaneni - umshwalense enjalo ushibhile, kodwa ngeke akhokhele zonke izindleko zezinto welapha ekulimazeni ukuqeqeshwa evamile.

Izinqubomgomo. Lokho abayikho

Manje ake sixoxe ngendlela kungaba umshwalense kwezingane ezingozini. Zonke nemigomo le VHI (umshwalense wezokwelapha yokuzithandela) kungenziwa zihlukaniswe ngamaqembu kuye isikhathi, iminyaka yengane, futhi-ke, uhlu izimangalo umshwalense.

Noma yisiphi isikhungo umshwalense ngeke ukukunikeza ubuncane izinhlelo ezimbili:

• inqubomgomo ayimi;
• umshwalense yesikhashana.

Njengoba leli gama lisikisela, esimweni sokuqala, inqubomgomo izovala izindleko zokwelashwa yokulimala ingane nganoma yisiphi isikhathi sosuku. inqubomgomo lesikhashana efanayo ivikela ingane yakho, isibonelo, ezimweni ezinjalo:

• kusihlwa, ngesikhathi ukuhamba;
• ngesikhathi evakashele isifundo esithile - i-chemistry, imfundo ngokomzimba, ukuqeqeshwa zabasebenzi;
• kuze kuphele isikhathi sokuhlala enkulisa noma esikolweni;
• ngesikhathi evakashele esigabeni ezemidlalo.

Ngaphezu umshwalense eziyisisekelo futhi izingane asebenzayo ukuya amakilabhu ezemidlalo, kukhona olunye uhlelo ukuthi kusiza ukuvikela ingane yakho iminyaka eminingi ezayo. Lokhu okuthiwa umshwalense imali. Ingqikithi yalolu hlelo zingokulandelayo:

• abazali siyophetha ngenkulumo isikhungo umshwalense yesivumelwano eside, isibonelo, kuze kube sekufikeni yobudala kwengane;
• abazali nyangazonke ngaso sonke isikhathi zidluliselwa ku-akhawunti inkampani yomshuwalense esincane inkontileka;
• ngesikhathi inkampani umcimbi insured ihlanganisa izindleko zokwelapha wengane futhi kwenza zonke izinkokhelo ngenxa;
• uma yonke inkathi yesivumelwano nge lutho okwakwenzeke ngayo kulo ingane kwesamba, t. e. inqubomgomo akusizi, inkampani okhokhela inani anikelwe abazali.

Kuyinto lolu hlobo umshwalense buthola namuhla ethandwa kakhulu, njengoba nje kuphela ivikela umntwana, kodwa futhi ikuvumela ukuba komzamo ugcine impela eside, isibonelo, kwi ukuqeqeshwa kwakhe.

zesikole umshwalense

umshwalense esibaluleke ngokukhethekile izingane kusukela izingozi nokugula ekuhambeleni zabo ezikoleni. Nakuba kulesi sikole ngoba umntwana nizolalela uthisha, azilona neze emzimbeni bakwazi ukugcina umkhondo izingane eziningi kangaka ngesikhathi esisodwa. Wake wambona ophumelelayo ukuhlala endaweni eyodwa uma ukubiza nge esifundvo nobe ingane ongakaze ukusebenzisa noma edonsa pigtails noma ukupakisha uhlobo yakhe siqu? Mhlawumbe, lawa, kodwa kunalokho okuhlukile.

Yingakho ejensi eziningi umshwalense ukunikela izinqubomgomo ekhethekile ukuqinisekisa ukuvikeleka ezengeziwe ingane yakho ngesikhathi sesikole. Isikhathi letinchubomgomo ngokuvamile emnyakeni lekufundvwa ngawo - kwezinyanga ezingu-9. Bona isiqinisekiso sokukhokha uma kwenzeka ukuthi ingane ilimele ezindongeni sikhungo, kodwa endleleni eya esikoleni ingane yakho edalulwa.

izindleko inqubomgomo

Umshwalense izingane yizingozi ingase ihlanganise amaphuzu amaningi okuyingozi. Kuyinto esibalweni sawo kuzoncika izindleko inqubomgomo. Izinto eziningi ofuna ukukufaka yesivumelwano, ezibizayo kuyodingeka bakhokhe.

Izindleko zomshuwalense Inqubomgomo ungaqala ruble 100-150 ngenyanga, ibha eliphakeme kungenzeka ama-ruble ayizigidi 20-30 unyaka noma ngaphezulu. Okufanele lokuzijabulisa olukhethayo nokuthi singakanani ukukhokha - ungazibonela.

Indlela ukwehlisa intengo izindleko inqubomgomo

Njengoba wazi, umshwalense izingane kanye nezingane zesikole engozini kungaba ezishibhile ngokungenzeleli nangesihe eqolo. Uma abangantuli izindawo, kahle. Futhi kuthiwani ngalabo abafuna ukuthathelwa umshuwalense ingane yakho, kodwa hhayi kahle imali eningi? Kunezindlela eziningana ukunciphisa intengo izindleko inqubomgomo. Nazi ezinye zazo:

1. Zama ukuhlela umshwalense collective, isibonelo, ukuqhuba ingxoxo phakathi kwabazali ukuthathelwa umshuwalense lonke ikilasi ngesikhathi esisodwa. Kulokhu, ungakwazi ukubala isaphulelo esiphawulekayo.
2. Funda ngokucophelela inkontileka futhi ekhipha kuwo labo izinto engavumelani nawe. Ngokwesibonelo, izinkampani eziningi zenza kwinkontileka lokugoma kuphoqelelwe khona noma nyangazonke pass rate ekuthuthukiseni massage.
3. Khipha ku amacala umshwalense amasevisi kwamazinyo - ukuthi kuyabiza kakhulu, kuba lula endabeni kokubhekana imithi yabo siqu.
4. Nakani Franchise - lena ayimbijana enjalo lapho izindleko kungukuthi ibuyiselwe. Ngokwesibonelo, uma ezikhokhiswayo kuyinto ruble 500, kanye nokwelashwa ukulimala izindleko ushibhile ke inkampani yomshuwalense kufanele ube lutho. Uma impatho kuyadingeka, isibonelo, ama-ruble angu-800, inqubomgomo utawufaka kuphela umehluko - 300. Uma franchise alikho - umshwalense kuyabiza.

Kungakanani uthola

Ingane yomshwalense ngokumelene izingozi kuhilela yokukhokha ngokwengxenye noma ngokugcwele, konke kuncike kobukhulu ukulimala. isinxephezelo Maximum ngokuvamile enikeziwe esimweni lapho uya khona ukukhubazeka noma ukufa nesenzakalo. Yiqiniso, ephansi inqubomgomo izindleko, ephansi kuyoba nenani yokukhokha umshwalense. Kungaba ukubala cishe ngakho - ukubaluleka inqubomgomo mayelana 0.5 1.5% wenkokhelo, sithembele okuvela kuyo umcimbi kwesamba. Nokho, kukhona umthetho esingashiwongo - isinxephezelo kulinganiselwa akukwazi ruble ezingaphezu kuka-2 million.

Yini okudingeka uyenze ukuze uthole inkokhelo yama-umshwalense

Isinxephezelo ngaphansi inkontileka nanoma iyiphi inkampani yomshuwalense akuxhomekile kanjani izivumelwano eziningi ezifana setiphetsiwe nezinye izikhungo. Lokhu kusho ukuthi ungakwazi ukuthenga umshwalense ezinkampanini ezimbili noma ezintathu ezahlukene, futhi ngemva kwaleyo ngozi ukuthola izinkokhelo ngamunye kubo.

Umshwalense izingane yizingozi ngokuvamile inikeza ukuthi kusukela osukwini ingozi eyenzeka uphoqelekile zingakapheli izinsuku ezintathu, wazise inkampani nganoma iyiphi indlela ongase uzivikele ngayo.

Ukuze ukhokhelwe, udinga ukunikeza e-UK:

• inkontileka;
• umshwalense;
• idokhumenti eqinisekisa okuvela kuyo umcimbi insured.

Ukuze lezi zincwadi zingase zihlanganisa:

• Isitifiketi kusuka isikhungo ukuhlukumezeka;
• isitatimende zezokwelapha ikhadi yezokwelapha noma ubekezele;
• isiqinisekiso lebhodi lodokotela Yokuqashwa yokukhubazeka kwanoma iyiphi isigaba;
• isitifiketi sokufa we oVikelwe (ikhophi yokuqala +).

Futhi, inkampani yomshuwalense angacela imibhalo eyengeziwe eqinisekisa okuvela kuyo umcimbi insured.

Indlela yokwenza isivumelwano

Umshwalense izingane kwabangelwa izingozi, kanye nanoma yiluphi uhlobo lwe umshwalense - ke ulula. Uzodinga enze uchungechunge lwezinguquko izinyathelo ezilula:

• ukhetha inkampani yomshuwalense;
• ngokucophelela ibheka konke kukho futhi imigomo yesevisi (yokubonisana sokuqala, sicela ushayele noma uvakashele iwebhusayithi yenkampani);
• ukhetha uhlelo olufanele umshwalense;
• balungise amaphepha adingekayo ukuze kube isiphelo sesimiso inkontileka (kudingeka ipasipoti wakho kanye nesitifiketi sokuzalwa ngokuvamile kuphela);
• usayine inkontileka bese ukhokha kuye.

Njengoba ubona, konke silula futhi umkhuba akuvamile kudinga wenze okungaphezu nje isigamu sehora.

Ukukhetha uhlelo umshwalense

Uma ukhetha ukubhalisa umshwalense ingozi yengane, bangempela asebeke babasebenzisa izinkonzo IC ethile, kuzokusiza ukuba wenze isinqumo esifanele. Yini ukubheka:

1. Khetha inhlangano ne idumela efakazelwe, funda izibuyekezo mayelana namanye amakhasimende akhe. Ikakhulukazi sinake negative - ukuthi wonke "izingibe" ngokuvamile kuchazwa kuzo.
2. Cabanga futhi ngaphambi ephetha inkontileka bese uzama ngokungakhethi ukuhlola izimfanelo siqu ingane. Uma ingane yakho - ubuntu asebenzayo, ukwazi kube ezindaweni ezine ngesikhathi esisodwa, khetha uhlelo, esehlanganise zonke izingozi ezingase zibe khona. Uma lucky ngokwanele ukuba ingane nge-avareji noma izinga eliphansi kunawo wonke umsebenzi, uhlelo neqoqo eziyisisekelo imingcele kuyinto ngempela efanelekayo.

Abanye abazali ngokungacabangi bakholelwa ukuthi umshwalense wengane - kuwukuchitha imali. Yiqiniso, ngamunye wethu unethemba lokuthi futhi ke, noma ngisho ingane yakhe kwadingeka lutho olubi kuzokwenzeka. Nokho, kungcono kungenzeka namanje ukuze kuvikelwe izingane ekusebenzeni izingozi.