Umshwalense Mutual - ifomu engenzi-nzuzo yenhlangano ka Isikhwama umshwalense

umshwalense Mutual - ingenye izinhlobo Ukuvikelwa, esekelwe sivumelwano phezu isinxephezelo nokulahlekelwa incurred ngengozi. It is ukusebenza ngokusebenzisa isikhwama esikhethekile ehlanganisa iminikelo. Izinkampani zomshuwalense umphakathi uhleleke, okuyinto unesibopho ekukhishweni imisebenzi ehlukahlukene.

ukudalwa umkhiqizo

umshwalense Mutual indlela ethandwa for kumiswa imikhiqizo ehambisana. Elichaza kungenzeka ukugqamisa ezinye izici inqubo:

• Association of Finance nabalingisi main;
• Education Foundation projecting inyunyana ngokuhlanganyela;
• noyedwa amalungu inhlangano angeke bachithe nemithombo yawo wodwa;
• Amalungu Unelungelo ukuphatha;
• zingabantu nesibopho izibopho.

umshwalense Mutual kuhilela Ukuqoqela ndawonye kwezinsiza nalabo izinhloso efanayo ngokuphathelene nokusetshenziswa ngenxa yezizathu zobugovu impahla yemvelo. Le nhlangano isebenza ilungiselelo futhi ngezindleko zabo.

Ubunikazi komunye umhlanganyeli engena ngokuhlanganyela. Ngakho, yonke umnikazi Inqubomgomo bangahlanganyela kumiswa imikhiqizo. Kuleli fomu wezimiso zokusebenza reciprocity, okuyinto luyasetshenziswa ku ilungelo mutual etholakalayo esiKhwameni.

I engavamile le ndlela wukuthi umuntu kungaba kokubili kwamakhasimende futhi umnikazi yesikhwama usethe ngesisekelo inkontileka. Khona-ke kukhona ubudlelwane ezithile phakathi kwesamba kanye umshwalense.

Ukusetshenziswa Isikhwama Kwenziwa esebenzisa ngokuhlanganyela ekuthathweni umhlangano jikelele. Isibopho main elala ngomshuwalense - inhlangano. Kodwa kwezinye izimo, uma iSikhwama enganele ukufeza izibopho, amalungu Isikhwama athwale isibopho sezomthetho osizayo ukuba abantu babulawelwe kuzo yayo.

Russia ngokuqondene ifomu senhlangano ye a non-nzuzo. Injongo yayo oyinhloko ukuqaliswa imisebenzi Ukwakheka kwezitho umkhiqizo wayo.

Ngakho, kubonakala sengathi indlela kuba isisekelo imisebenzi izinkampani, okuyinto eyenziwa elithile ngezinqubo ezihlukahlukene umshwalense mutual. Ngemva kumiswa umkhiqizo ithengwa umphakathi lapho ilungelo lokusebenzisa oluvelayo uma sesenze izivumelwano kusengaphambili. Le mithetho zingenzeka kuphela SK mutual ukubhekana ngqo namalungu aso. Ngo ezifana isikhungo njengoba abakhi umshwalense inganikelwa njengesibonelo kwenhlangano.

Izici umkhakha ekuqaleni sokuthuthuka

Cabangela ezinye izici kwalesi silwane.

1. Ilungelo umkhiqizo umshwalense abusekelwe indlela yokukhokha, njengoba wadala kuphela ngemva okuvela kuyo le mpahla elahlekile.
2. Ayikho inhlangano ekhethekile esebenzelana kuphela imfundo yakhe.
3. Umkhiqizo kwaba ekhiqizwa ndawonye.
4. Wonke amalungu abayingxenye umphakathi, banesibopho lasungulwa.
5. Sakhiwo senzeka ngemva nje kokuthi i umcimbi insured kwenzeka.

Nge ngaphambi kumiswa Isikhwama

Ukuze sisimame nokwethembeka izinkampani zomshuwalense waqala ukwakha Isikhwama kusengaphambili. Ngakho, ngokwezinga elikhulu ke uqinisekisa ukubuya kusho nokulahlekelwa. Uhlelo wazibonakalisa eyinkimbinkimbi ezingaphezu kuka esimweni kusakhiwo. Ke kwabakho isidingo inhlangano abazinikezele emfundweni ekhethekile yesikhwama umshwalense. lingahunyushwa siqhutshwa emhlanganweni jikelele. Kodwa ubunikazi Isikhwama yaqaphela ngokuvumelana nezivumelwano ngemvume.

Imininingwane zomlando

Lolu hlobo lwe-umshwalense akuyona entsha. Wayaziwa ezikhathini zasendulo. Lokhu umshwalense lwabelwe ngezigaba eziningana:

• ukusatshalaliswa ukulahlekelwa asewile ukuba umuntu oyedwa noma ngaphezulu;
• SK okuvela zokubhekana nalokhu njengoba umsebenzi oyinhloko;
• ukubamba komphakathi iqhaza okubonakalayo isimo.

Ukuqaliswa kuzo zonke izigaba

Njengoba kushiwo ngenhla, ekuqaleni kwakungekho izinhlangano abahlanganyela kulo msebenzi, futhi umkhiqizo elihambisana uvele kuphela ngemva okuvela kuyo umcimbi insured. Kodwa ngokuhamba kwesikhathi, saqala ukuqhuba inkampani wadala ngokukhethekile, okuyinto has ukusetshenziswa kwalo.

Inkampani yomshuwalense lokuqala eladabuka Melika ngo-1735. Umqondo livela abathengi ezingaba, ngakho uhulumeni ekuqaleni akazange iqhaza kuloku. It kuphela alawule kule ndawo. Kodwa-ke waba nesithakazelo sikhungo nangokwezimali.

Futhi yini okudingeka uyenze manje?

Okwamanje, le zilwane lalivamile. Isibalo izinhlangano ziye zanda ikakhulukazi zaseSoviet Union ngaphandle kokuphazanyiswa eminyakeni edlule. Kuze kube manje, lo umshwalense impahla emazweni ehlukene abathintekayo ingxenye umxhwele izinkampani.

1. 50% wemakethe.
2. 40% eFinland.
3. 30% e-US.

Kuyaziwa amakilabhu, ukudala inkampani yomshuwalense mutual.

Ngaphezu kwalokho, kukhona izinhlangano ukuthi ukuthathelwa umshuwalense impahla elibekwe umlilo nezinye izingozi. Ukuze exchange kolwazi kanye izinqumo ezindabeni ezithile banayo ukuze ujoyine izinyunyana, kokubili emazingeni kazwelonke ngamazwe.

Ukuthuthukiswa eRussia

umshwalense Mutual eRussia yanda kancane kancane. Le nqubo zingahlukaniswa zibe nezikhathi eziningana. Okokuqala, i-Institute kuphela kwakhiwa. Khona-ke zonke izinhlangano abathintekayo kulo msebenzi zakhishwa. Ngemva kwalokho, baqala ukuthuthukisa ngendlela engahlelekile. Kodwa manje imisebenzi yabo isekelwa ezingeni zomthetho.

Ngo zalezikhathi isimo bekulokhu mathupha ukuqaliswa Institute umphakathi ngobubanzi. Ngesikhathi esifanayo ke kwavela futhi eziningi umphakathi emazingeni zendawo imikhakha ekhona esifundazweni.

Ngesikhathi ekucwileni ezikweletini ukuthuthukiswa, ngenxa yezizathu ezisobala, ke kumile. Kwaba khona abangu-hhayi kuphela emkhakheni yomshuwalense, kodwa futhi kuyo yonke imikhakha yezomnotho. Esikhathini esizayo, lapho lokufeza guqula uhulumeni ezaqedwa ayitholwa yayo kulolu hlobo lomsebenzi. Umthetho Waqala ukusebenza, elawula umshwalense mutual esikhathini esindlule yamuva. ERussia, imisebenzi eyenziwa yizinkampani ekhethekile.

Inqubo oda

Lolu hlobo lwe-umshwalense ukusebenza izithakazelo zonke izinhlangothi.

1. Isivumelwano ngokuhlanganyela.
2. Inqubo kuthinta kuphela izithakazelo impahla.
3. inhlangano esungulwe buthakathaka ubophekile ukuba enze ukukhokhelwa phezu okuvela umcimbi ezifanele.

umphakathi friendly

Ngakho, lezi zinkampani ungenalo ikhokhwe up dolobha. inzuzo akuyona umsebenzi wabo oyinhloko. Bangaphinde ukudala imithombo ukunquma usayizi yabo ngezindlela ezihlukene.

Ngakho, le nhlangano izinkampani umshwalense mutual sihlinzekela ukusungulwa yokuzihlanganisa commercial futhi engenzi-nzuzo. Zingase khona nesiphelo sesimiso isivumelwano esikhethekile noma ngaphandle kwalo. Basuke ubuhanjelwe izinhlangano kanye nabantu, njengoba amalungu inhlangano futhi akudingeki lokhu isimo.

Imisebenzi inkampani

Izinkampani umshuwalense, Reinsurance, umshwalense mutual. Basuke benza broker actuaries. Kodwa kuqala kunazo zonke bafeze lo msebenzi we umshwalense.

It isetjenziswa njalo yokuzithandela, ngesisekelo inkontileka futhi imithetho lapho izimo bazimisele. I last evunywe inhlangano izinkampani zomshuwalense, aqukethe amalungiselelo ephathelene nalolu daba kanye into, okuvela kuyo amacala, izingozi, izindleko, amabhonasi kanye nokunye.

Ukuqinisekisa ukuthi izikweletu umshwalense zigcine kwakhiwa, okuyinto ingasetshenziswa kuphela ukuqaliswa izinkokhelo ezifanele. Abakwazi kungahoxiswa esivuna kwesabelomali Federation noma izikhonzi zawo.

Ngaphambili, umphakathi mutual yomshuwalense icala civil kungenzeka isebenze ngaphandle amalayisense. Nokho, kusukela maphakathi no-2007, ngemva ukwamukelwa yomthetho, izinhlangano ziyadingeka ukuthola ilayisensi.

Imisebenzi esemqoka kule ndawo zimi kanje.

1. Umshuwalense wokuphila.
2. amakilabhu Ezokuthutha.
3. Umkhakha amachibi.

ERussia, kubuye kube inhlangano ezivamile, okuhloswe ngaso onjiniyela umshuwalense.

amakilabhu Ezokuthutha

Lolu hlobo kwenzeka kaningi kunabo. Isenzakalo esidume kunazo zonke phakathi kwabo kukhona amaqembu zasolwandle umshwalense isibopho sezomthetho mutual. Ukuvikelwa lapha ngaphezulu ayethanda uma sicabangela iqiniso lokuthi:

• Kwadingeka yokunakekelwa kohlelo kanye ekhethekile eziphuthumayo nokhomishana ;
• Zimbalwa izingozi ezithile ngekukhula okusezingeni eliphezulu lenani kusetjentiswa kancane;
• ukonga kufinyelelwa, uma siyiqaphele esimaphakathi futhi eside.

Yiqembu lokuqala yasungulwa kule ndawo ngo-1855. Namuhla siyazi izinhlangano mayelana 70 emhlabeni. Umholi phakathi kwabo imele Bermuda Shipowners Association UK naseNyakatho Ireland. ERussia, ngokuvumelana nemithetho lenhlangano usebenza Ingosstrakh.

Kuyo yonke amakilabhu umshwalense yonyaka uzoqala ukusebenza February 20 kuya 12 amahora. Isisekelo lesi isivumelwano esikhethekile. Ngokusho kwakhe inqubomgomo yomshuwalense uphela ukusebenza kwawo ngesikhathi esifanayo ngonyaka ikhalenda elandelayo.

umkhakha amachibi

Esinye isiqondiso uhlelo common umkhakha amachibi. ngokucacile wabo ngendlela elandelayo.

1. Izingozi lapha, yize Akubonakali kanjalo, kodwa nemiphumela eyinhlekelele.
2. Basuke ngokungalingani basakaza. Ngaphezu kwalokho, akukho idatha ezidingekile underwriting. Ngakho-ke, enamathela eyanele kungenziwa igcwaliseke lapho amachibi ubuhlobo kuphela.

ERussia, eyaziwa anti-ubuphekula umshwalense pool kanye core okuhambisanayo.

Phakathi izici ezingezinhle kulesi sikhungo kukhona okulandelayo.

1. Iminikelo imali yomshuwalense babe isamba nanini.
2. Umgodlagodla kakhulu ezikhethekile, ngenxa lokho izingozi zanqwabelana.

umshwalense double

Ngaphezu kwezinhlobo ngenhla, enesihloko ingaba nezinye izinkomba.

Ngakho, kungaba isebenze ngesiRashiya umthengi umphakathi yomshuwalense mutual. Kodwa ngaphandle imisebenzi edingekayo ukuze lihlukaniswe ezinye izinhlobo ezithile. Ngezinye izikhathi udidekile futhi umshwalense mutual double. Lokhu kusho ukwenza inkontileka ngesinye isikhathi futhi ngesikhathi esifanayo ezinkampanini eziningana. Ukuqalisa nge umshwalense akuphelele. Khona-ke izinkampani ayingxenye yokukhokha. Abanye baye labetibambile okuthiwa umshuwalense eyengeziwe. Izimpawu yalolu hlobo kuyinto ungubani into. Ngaphezu kwalokho, lokhu kwenzeka kanye inkathi umshwalense, kanye khona yayo ezinkampanini eziningana ngesikhathi esisodwa.

Kuyaphawuleka ukuthi lesi sikhungo kungavunyelwe kwamanye amazwe. Khona-ke, lapho ukuthola leli qiniso, omunye inkontileka kuyothathwa ayivumelekile. Nokho, emazweni amaningi sikhungo kuvumelekile. Lokhu kungenxa isifiso ukwandisa Ukusabalala. Kodwa isimiso esifanayo lapha, ingabe lolu hlobo futhi wasebenzisa lapho. Ihlala eqinisweni lokuthi lemali isiyonke ekhokhwayo ngeke sidlule ukubaluleka oVikelwe. Kufanele futhi iyophakama kuno-ukulahlekelwa kwabo ngenxa kunjalo abafanele.