Tose tinoshanda nesimba muhupenyu hwedu hwese kuti tizvipe chikafu uye tipfeke zvakanaka, tidzidzise vana vedu, uye tichengetedze remangwana, handiti? Asi patinenge tichichengetedza mari iyi, takambofunga here kana tiri kugadzirira zvirwere zvinouya nekukwegura? Fungidzira, kana ukangoerekana wava nechirwere chakakomba, mari yako yese yawakachengeta nesimba inogona kupera nezuva rimwe chete. Mumamiriro ezvinhu asingatarisirwi akadaro, inishuwarenzi yehutano chinhu chichakubatsira pasina kuisa mutoro unorema pamari yako.
Zvichitaurwa zviri nyore, chii chinonzi inishuwarenzi yehutano?
Iyi ipfungwa iri nyore kwazvo. Funga nezvayo senzvimbo yevanhu vanofirwa mumusha. Tose tinoungana pamwe chete tounganidza mari shoma. Kana mumwe munhu akasangana nematambudziko, tinoshandisa mari yatinounganidza kubatsira munhu iyeye. Inishuwarenzi yehutano yakafanana.
Unobhadhara mari shoma kukambani yeinishuwarenzi mwedzi wega wega kana gore rega rega. Tinoidaidza kuti "premium" . Kana ukarwara wobva waenda kuchipatara, kambani yeinishuwarenzi ndiyo inobhadhara mari yacho - kureva mari yachiremba, mishonga, bvunzo, mari yekamuri, nezvimwewo. Izvi zvinonzi chikumbiro .
Zvichitaurwa zviri nyore, inishuwarenzi yehutano yakafanana nekuchengetedza mari shoma nhasi yebhiri guru rechipatara rinogona kuuya mune ramangwana.
Izvi zvakakosha here kwatiri muSri Lanka?
Vamwe vangafunga kuti, "Kana zvipatara zvehurumende zviri zvemahara munyika medu, sei tichibhadhara inishuwarenzi?" Ehe, hutano hwemahara munyika medu ndeimwe yemakomborero makuru atinowana. Hapana nharo pamusoro pazvo. Zvisinei, tese tinoziva nezvekuzara kwevanhu muzvipatara zvehurumende, dzimwe nguva mitsetse mirefu yekuvhiyiwa, uye kuti mimwe mishonga kana bvunzo dzinodhura dzinofanira kuitwa kunze.
Kune rumwe rutivi, kana uchitsvaga kurapwa kuchipatara chega, ungangove uchiziva kuti zvinodhura sei. Fungidzira kana ukangoerekana wada mari inosvika zviuru zvemadhora (lakhs) yekuvhiyiwa kwekukurumidzira, kurapwa nekenza, kana kuisirwa itsvo? Muchiitiko chakadaro, kuva neinishuwarenzi yehutano yakanaka kuchakupa mukana wekuwana kurapwa kwakanakisa usinganetseki nemari iyoyo. Kunyanya mushure mekurega basa, kana usina mari yakagadzikana, chimwe chinhu chakadai chinobatsira zvikuru.
Ndiani anogona kuwana inishuwarenzi yehutano?
Kutaura zvazviri, munhu wese anogona kuwana inishuwarenzi yehutano. Asi chinhu chakakosha kurangarira izera rako nemamiriro ehutano panguva yaunowana inishuwarenzi .
- Mudiki uye ane hutano hwakanaka: Kana ukatenga inishuwarenzi uri mudiki uye usina zvirwere zvikuru, mari yauchabhadhara ichave yakaderera zvikuru. Uchakwanisawo kuwana inishuwarenzi pasina matambudziko.
- Vakwegura nevaya vakarega basa:Unogona kutenga inishuwarenzi sezvaunokura, asi mari yekubhadhara inogona kunge yakakwira zvishoma. Mamwe makambani akatanga hurongwa hweinishuwarenzi hwakanyanya kuitirwa vanhu vakarega basa.
- Vanhu vane zvirwere zvakambovapo: Kana uine chirwere chakambovapo chakadai sechirwere cheshuga kana BP, mamwe makambani einishuwarenzi anokugamuchira. Zvisinei, ungasave wakafukidzwa kwemakore mashoma ekutanga, kana kuti mari yako yeinishuwarenzi inogona kunge yakakwira. Chinhu chinonyanya kukosha ndechekuva akatendeseka nezvehutano hwako paunenge uchinyorera inishuwarenzi.
Ungasarudza sei inishuwarenzi yakanaka? Chenjerera zvinhu izvi!
Kune makambani akawanda einishuwarenzi yehutano muSri Lanka iye zvino. Usati wasarudza imwe, zvakakosha kuti unyatsoongorora zvinhu izvi.
| Zvinhu zvekuziva | Zvinoreva zviri nyore |
|---|---|
| Huwandu hweKufukidza | Ndeipi mari yepamusoro iyo kambani yeinishuwarenzi ichakubhadhara kana ukarwara? (semuenzaniso 5, 10, 20 lakhs pagore?) |
| Yepamusoro-soro | Mari yaunofanira kubhadhara pamwedzi kana gore kuti uwane rubatsiro irworwo. |
| Zvipatara zveNetwork | Ndezvipi zvipatara zvepachivande zvaunogona kurapwa? Mamwe mainsurance plans anobhadhara bhiri zvakananga kuchipatara (Cashless). |
| Zvirwere Zvakafukidzwa | Ndeapi marudzi ezvirwere anofukidzwa? Iva nechokwadi chekutarisa zvisingabatanidzwi. |
| Muganho wezera | Inguva ipi yepamusoro yekunyoresa inishuwarenzi? Uye zvakare, inguva ipi yepamusoro yekunyoresa inishuwarenzi itsva? |
| 'Hapana Bhonasi Yekukumbira Mari' | Kana ukasaita chero zvikumbiro kwegore, mari yekuvhara ichawedzera here gore rinotevera kana kuti mari yeprimiyamu ichaderera? |
Chii chinoitika kana ndikanonoka kuwana inishuwarenzi?
Ichi chikanganisowo chatinoita vazhinji vedu. Kumbomira, vachiti, "Ah... ngatimbomirai zvishoma." Asi kana iri inishuwarenzi yehutano, kunonoka kunoguma nekurasikirwa.
1. Mari yeinishuwarenzi inowedzera: Sezvaunokura, mari yeinishuwarenzi inobhadharwa nemakambani einishuwarenzi inowedzerawo nekuda kwekuwedzera kwenjodzi yekurwara.
2. Kudzivirirwa kwezvirwere kushoma: Kana ukaenda kunotora inishuwarenzi mushure mekutanga chirwere chitsva (semuenzaniso chirwere cheshuga) sezvaunokura, ungasawana kudzivirirwa kwechirwere ichocho kana kuti inishuwarenzi inogona kurambwa.
3. Nguva dzekumirira: Mamwe mapolisi einishuwarenzi haabhadhare mamwe mamiriro ezvinhu kwemwedzi mishoma yekutanga kana makore mushure mekunge matora inishuwarenzi. Nguva iyi inogona kuva dambudziko kana mukatora inishuwarenzi kunonoka moita emergency.
Saka, chinhu chakanakisa chekuita kutanga inishuwarenzi uchiri mudiki uye uine hutano hwakanaka, uchibhadhara mari shoma. Ndiyo mari yakawanda yaunogona kuisa muhutano hwako hweramangwana.
Fungawo nezveinishuwarenzi inopihwa nebasa rako.
Makambani mazhinji akazvimirira anopa inishuwarenzi yeboka kuvashandi vawo. Chinhu chakanaka ichocho. Asi yeuka kuti inishuwarenzi inowanzopera kana warega basa kana kuti wasiya kambani . Zvakare, kune zvirongwa zveinishuwarenzi zvevashandi vehurumende zvakaita se'Agrahara'. Bvunza kambani yako nezveizvi futi. Asi zvakachengeteka kufunga nezvekurega basa wova neinishuwarenzi yako wega pamusoro peizvi.
Kana muine mimwe mibvunzo nezvenyaya iyi, taurai nemupi wezano weinishuwarenzi anovimbwa naye. Zvisinei, kana muine zvinokunetsai panyaya yezvehutano nezvekuti mungawana here inishuwarenzi nekuda kwechirwere chenyu, zvakanaka kutaura nachiremba wemhuri yenyu nezvazvo.
Mharidzo Yekuenda Nayo Kumba
- Inishuwarenzi yehutano haisi mari yekushandisa, asi mari yekudyara mune ramangwana. Inogona kuchengetedza mari yako kana pakaitika emergency.
- Tanga inishuwarenzi uchiri mudiki uye uine hutano hwakanaka. Nenzira iyi, unogona kuwana mabhenefiti akawanda nekubhadhara mari shoma.
- Usati wasarudza inishuwarenzi, tsvaga ruzivo kubva kumakambani akati wandei uye enzanisa huwandu hwakafukidzwa, mari yekubhadhara, zvirwere zvakafukidzwa, uye zvipatara.
- Usavanza chero chinhu nezveutano hwako paunenge uchizadza fomu reinishuwarenzi. Kuva akatendeseka pane zvese kunogona kubatsira kudzivirira matambudziko paunenge uchikumbira rubatsiro mune ramangwana.
- Kunyangwe kana uchiwana inishuwarenzi kuburikidza nebasa rako, zvakakosha kufunga nezveinishuwarenzi yega yega yekurega basa.
- Taura nachiremba wako nezvematambudziko ehutano.
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