Yɛn nyinaa yɛ adwumaden wɔ yɛn nkwa nna nyinaa mu sɛ yɛbɛma yɛn ho aduan na yɛahyɛ yɛn ho yiye, akyerɛkyerɛ yɛn mma, na yɛakora sika so ama daakye, ɛnte saa? Nanso bere a yɛrekora sika yi so no, so yɛasusuw ho pɛn sɛ ebia yɛresiesie yɛn ho ama nyarewa a onyin de ba no anaa? Fa no sɛ, sɛ wunya yare a emu yɛ den mpofirim a, sika a wode asie a woabɔ mmɔden anya no nyinaa betumi ayera da koro. Wɔ tebea a ɛte saa a wonhwɛ kwan mu no, akwahosan ho insurance a wɔde tua ho ka no yɛ biribi a ɛbɛboa wo a ɛremfa adesoa kɛse nto wo sika kotoku so.
Sɛ yɛbɛka no tiawa a, dɛn ne akwahosan ho insurance?
Eyi yɛ adwene a ɛyɛ mmerɛw yiye. Fa no sɛ ɛte sɛ awerɛhowdi fekuw bi a ɛwɔ akuraa no ase. Yɛn nyinaa bom boaboa sika nketenkete ano. Sɛ obi kɔ ɔhaw mu a, yɛde sika a yɛboaboa ano no boa saa onipa no. Akwahosan ho insurance yɛ ade koro.
Wotua sika kakraa bi ma insurance adwumakuw bi ɔsram biara anaa afe biara. Yɛfrɛ no ``premium`` . Nea ɛbɛyɛ na wɔayɛ saa no, sɛ woyare na ɛsɛ sɛ wode wo kɔ ayaresabea a, insurance adwumakuw no betua ɛka no - kyerɛ sɛ, oduruyɛfo ka, nnuru, nhwehwɛmu, dan ho ka, ne nea ɛkeka ho Wɔfrɛ eyi sɛ krataa a wɔde gye sika .
Sɛ yɛbɛka no tiawa a, akwahosan ho insurance te sɛ sika kakra a wode besie nnɛ de agye ayaresabea ka kɛse bi a ebia ɛbɛba daakye.
So eyi ho hia yɛn ankasa wɔ Sri Lanka?
Ebia ebinom besusuw sɛ, "Bere a aban ayaresabea ahorow yɛ nea wontua hwee wɔ yɛn man yi mu no, dɛn nti na wotua insurance ho ka?" Yiw, akwahosan ho nhyehyɛe a wontua hwee wɔ yɛn man yi mu yɛ nhyira akɛse a yenya no mu biako. Akyinnyegye biara nni saa asɛm no ho. Nanso, yɛn nyinaa nim nnipa a wɔdɔɔso dodo wɔ aban ayaresabea ahorow mu, ɛtɔ mmere bi a ntonto a ɛware ma wɔyɛ oprehyɛn, ne nokwasɛm a ɛyɛ sɛ ɛsɛ sɛ wɔyɛ nnuru anaa sɔhwɛ ahorow bi a ne bo yɛ den wɔ abɔnten no ho asɛm.
Ɔkwan foforo so no, sɛ wohwehwɛ ayaresa wɔ ankorankoro ayaresabea a, ebia wunim sɛnea ne bo yɛ den. Fa no sɛ mpofirim ara wuhia ɔpepem pii ma oprehyɛn a wɔde twa kwan a egye ntɛmpɛ, kokoram ayaresa, anaa asaabo foforo a wɔde bɛma wo? Wɔ tebea a ɛte saa mu no, akwahosan ho insurance a wubenya no bɛma woanya hokwan anya ayaresa a eye sen biara a worenhaw wo ho wɔ saa sika no ho. Titiriw bere a woakɔ pɛnhyen akyi, bere a wunni sika a egyina pintinn no, biribi a ɛte sɛɛ yɛ mmoa kɛse.
Hena na obetumi anya akwahosan ho insurance?
Nokwarem no, obiara betumi anya akwahosan ho insurance. Nanso ade a ɛho hia sen biara a ɛsɛ sɛ wokae ne mfe a woadi ne w'akwahosan tebea bere a wubenya insurance no .
- Mmabun na wowɔ apɔwmuden: Sɛ wotɔ insurance bere a woyɛ abofra na wunnya nyarewa akɛse a, sika a wubetua no bɛba fam koraa. Wobɛtumi nso anya insurance a wobɛbɔ wo ho ban a ɔhaw biara nni ho.
- Nkwakoraa ne mmerewa ne wɔn a wɔakɔ pɛnhyen:Wubetumi anya insurance bere a worenyin no, nanso ebia sika a wotua no bɛkɔ soro kakra. Nnwumakuw binom de insurance nhyehyɛe ahorow aba ama wɔn a wɔakɔ pɛnhyen titiriw.
- Nnipa a wɔadi kan anya tebea horow: Sɛ wowɔ tebea bi a woadi kan anya te sɛ asikreyare anaa mogya mmoroso a, insurance nnwumakuw binom begye wo atom. Nanso, ebia wɔrentua wo ka wɔ mfe kakraa a edi kan no mu, anaasɛ ebia sika a wotua no bɛboro so. Ade a ɛho hia sen biara ne sɛ wubedi nokware wɔ w’akwahosan tebea ho bere a worebisa insurance no.
Ɔkwan bɛn so na wobɛpaw insurance pa? Hwɛ yiye wɔ saa nneɛma yi ho!
Akwahosan ho insurance nnwumakuw pii wɔ Sri Lanka mprempren. Ansa na wobɛpaw bi no, ɛho hia paa sɛ wohwehwɛ nneɛma yi mu yiye.
| Nneɛma a ɛsɛ sɛ yɛhwɛ yiye wɔ ho | Nea ɛkyerɛ ara kwa |
|---|---|
| Sika a Wɔde Ka Ho | Sɛ woyare a, sika bɛn na ɛsen biara a insurance adwumakuw no betua wo? (e.g. 5, 10, 20 lakhs afe biara?) |
| Ntetohɔ | Sika a ɛsɛ sɛ wutua ɔsram biara anaa afe biara na ama woanya saa sika a wɔde tua ho ka no. |
| Network Ayaresabea ahorow | Ankorankoro ayaresabea bɛn na wubetumi anya ayaresa wɔ hɔ? Insurance nhyehyɛe ahorow bi tua ka no kɔ ayaresabea hɔ tẽẽ (Cashless). |
| Nyarewa a Wɔakata So | Nyarewa ahorow bɛn na wɔka ho asɛm? Hwɛ hu sɛ wobɛhwɛ nea wɔayi afi mu no. |
| Mfe a Wɔadi Anohyeto | Mfe ahe na ɛsɛ sɛ obi di ansa na watumi akyerɛw ne din wɔ insurance mu? Afei nso, mfe ahe na ɛsɛ sɛ obi di ansa na wɔayɛ insurance foforo? |
| 'No Claim Bonus'. | Sɛ woannye sika biara afe biako a, so sika a wɔde tua ho ka no bɛkɔ soro afe a edi hɔ no anaasɛ sika a wɔde tua ho ka no so bɛtew? |
Sɛ meka akyi wɔ insurance mu a, dɛn na ɛba?
Eyi nso yɛ mfomso a yɛn mu pii di. Postponing, saying, "Oh... momma yɛntwɛn kakra." Nanso wɔ akwahosan ho insurance fam no, sɛ wɔtwentwɛn so a, ɛma obi hwere ade.
1. Sika a wotua no kɔ soro: Bere a worenyin no, sika a insurance nnwumakuw gye no nso kɔ soro esiane asiane a ɛkɔ soro sɛ wubenya nyarewa nti.
2. Yareɛ ho sikatua sua: Sɛ wokɔ kɔgye insurance berɛ a woanya yareɛ foforɔ (e.g. asikreyareɛ) berɛ a worenyin a, ebia worennya saa yareɛ no ho sika anaasɛ wɔbɛpow insurance no.
3. Bere a Wɔde Twɛn: Insurance nkrataa bi ntumi ntua tebea horow bi ho ka wɔ asram anaa mfe kakraa a edi kan wɔ bere a woagye insurance no akyi no mu. Saa bere yi betumi ayɛ ɔhaw sɛ wofa sika a wɔde tua ho ka akyiri na wunya tebea a egye ntɛmpɛ a.
Enti, ade a eye sen biara a ɛsɛ sɛ woyɛ ne sɛ wubefi ase ayɛ insurance bere a woyɛ abofra na wowɔ apɔwmuden, na wutua sika ketewaa bi. Ɛyɛ sika kɛse a wubetumi de ahyɛ w’ankasa daakye akwahosan mu.
Susuw insurance a w’adwuma de ma nso ho.
Ankorankoro nnwumakuw pii de kuw insurance ma wɔn adwumayɛfo. Ɛno yɛ ade kɛse. Nanso kae sɛ saa sika a wɔde tua ho ka no taa ba awiei bere a woakɔ pɛnhyen anaasɛ woafi adwumakuw no mu no . Afei nso, insurance nhyehyeɛ wɔ hɔ ma aban adwumayɛfoɔ te sɛ ‘Agrahara’. Bisa wo adwumakuw no eyinom nso ho asɛm. Nanso ɛyɛ nea ahobammɔ wom sen biara sɛ wubesusuw pɛnhyenkɔ ho na woanya w’ankasa insurance de aka eyi ho.
Sɛ wowɔ nsɛmmisa foforo bi fa eyi ho a, wo ne insurance ho ɔfotufo bi a wowɔ ne mu ahotoso nkasa. Nanso, sɛ wowɔ aduruyɛ mu haw ahorow wɔ sɛ ebia wubetumi anya insurance esiane w’akwahosan tebea nti anaasɛ wuntumi nyɛ ho hwee a, ɛbɛyɛ papa sɛ wo ne w’abusua oduruyɛfo bɛkasa afa ho.
Nkrasɛm a Wɔde Kɔ Fie
- Akwahosan ho insurance nyɛ ɛka, na mmom sika a wɔde bɛto daakye. Ebetumi abɔ wo sika a wode asie no ho ban sɛ biribi si ntɛm a.
- Fi ase insurance bere a woyɛ abofra na wowɔ apɔwmuden. Saa kwan no so no, wubetumi anya mfaso pii wɔ sika a wɔde tua ho ka a ɛba fam ho.
- Ansa na wobɛpaw insurance krataa no, gye nsɛm fi nnwumakuw pii hɔ na fa sika dodow a wotua ho ka, sika a wotua, nyarewa a wɔatua ho ka, ne ayaresabea ahorow toto ho.
- Mfa w’akwahosan ho biribiara nsie bere a worehyehyɛ insurance krataa no. Sɛ wodi nokware wɔ biribiara ho a, ebetumi aboa ma woasiw ɔhaw ahorow ano bere a woreka asɛm bi daakye no.
- Sɛ wofa w’adwuma so nya insurance mpo a, ɛda so ara fata sɛ wususuw ankorankoro insurance ho de kɔ pɛnhyen.
- Wo ne wo duruyɛfo nkasa mfa aduruyɛ mu haw biara ho.
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