2024 Tus sau: Elizabeth Oswald | [email protected]. Kawg hloov kho: 2024-01-13 00:07
Insurability txhais tau tias txawm tias ib hom kev poob puas tuaj yeem raug pov hwm hauv txoj kev xav, lossis seb tus neeg siv khoom puas muaj kev pov hwm los ntawm ib lub tuam txhab tshwj xeeb vim yog qhov xwm txheej tshwj xeeb thiab qhov zoo uas tau muab los ntawm tus kws kho mob pov hwm cuam tshuam txog kev pheej hmoo. tus neeg siv yuav muaj.
Koj txhais li cas los ntawm kev pheej hmoo tsis raug?
Definition: Qhov kev pheej hmoo uas ua raws li cov qauv thiab cov lus qhia tshwj xeeb ntawm txoj cai tuav pov hwm raws li txoj hauv kev rau kev pov hwm tau ua tiavyog hu ua kev pheej hmoo tsis muaj pov hwm. … Nyob rau hauv rooj plaub uas qhov kev poob yog loj heev uas tsis muaj neeg tuav pov hwm xav them rau nws, qhov kev pheej hmoo yog hais tias yuav uninsurable.
Qhov kev pheej hmoo tsis raug pov hwm thiab piv txwv yog dab tsi?
Kev pheej hmoo tsis muaj pov hwm yog kev pheej hmoo uas tuam txhab pov hwm yuav them. Cov no suav nrog ntau yam kev poob, suav nrog cov hluav taws kub, tub sab nyiag, lossis kev foob. Thaum koj yuav kev pov hwm kev lag luam, koj them cov nqi them rau koj lub tuam txhab tuav pov hwm. Rov qab los, lub tuam txhab pom zoo them rau koj thaum koj raug kev txom nyem.
Qhov kev pheej hmoo twg yog insurable?
Cov piv txwv feem ntau yog cov khoom tseem ceeb puas tsuaj, xws li dej nyab, hluav taws kub, av qeeg, thiab nag xob nag cua. Kev hais plaub yog qhov piv txwv feem ntau ntawm kev pheej hmoo dawb huv hauv kev lav phib xaub. Cov kev pheej hmoo no feem ntau yog insurable. Kev pheej hmoo pheej hmoo muaj feem yuav poob, nyiaj tau los, lossis muaj peev xwm tsis muaj dab tsi tshwm sim.
Dab tsi yog qhov kev pheej hmoo pov hwm yog dab tsi yog 6 qhov kev xav tau ntawm kev pov hwmrisk?
Feem ntau cov neeg muab kev pov hwm tsuas yog them cov kev pheej hmoo dawb huv, lossis cov kev pheej hmoo uas suav nrog feem ntau lossis tag nrho cov ntsiab lus tseem ceeb ntawm kev pheej hmoo pov hwm. Cov ntsiab lus no yog " vim muaj caij nyoog, " qhov tseeb thiab ntsuas tau, kev kwv yees kwv yees, tsis muaj kev puas tsuaj loj, xaiv random, thiab poob loj heev.
Pom zoo:
Vim li cas cov tuam txhab pov hwm raug hu ua cov neeg muaj kev pheej hmoo?
Los ntawm qhov xwm txheej ntawm lawv txoj kev lag luam, cov tuam txhab pov hwm yog cov neeg muaj kev pheej hmoo. Tawm ntawm txhua qhov kev lag luam muaj nyob hauv lub ntiaj teb, lawv xaiv los nqa lwm tus neeg lub nra ntawm lawv lub caj dab ua lag luam!
Thaum cov tuam txhab tuav pov hwm yuav kev pov hwm los ntawm cov tuam txhab tuav pov hwm ncaj qha?
Hauv cov ntsiab lus yooj yim, kev tuav pov hwm rov qab yog kev tuav pov hwm rau cov tuam txhab tuav pov hwm muab hauv daim ntawv cog lus ntawm kev them nyiaj tsis yog daim ntawv cog lus lav. Feem ntau, tus neeg tuav pov hwm ncaj qha yuav tsum xub them qhov poob thiab tom qab ntawd nrhiav nyiaj rov qab rau qhov kev poob ntawd los ntawmnws cov nyiaj rov qab.
Kev tsis txaus ntseeg hauv kev tswj hwm kev pheej hmoo uas twb muaj lawm?
Kev tsis txaus ntseeg hauv cov kev tswj hwm uas twb muaj lawm yuav tsum yog hais txog thaum cov kev tswj hwm los saib xyuas cov xwm txheej tshwj xeeb tau txheeb pom. Ib qho teeb meem tseem ceeb hauv kev hais txog hierarchy ntawm kev tswj hwm yog lub peev xwm ntawm pab neeg los ua kom pom zoo cov kev hloov pauv hauv lub peev xwm ntawm cov peev nyiaj xav tau.
Dab tsi yog qhov tseem ceeb ntawm kev tswj hwm kev pheej hmoo?
Lub ntsiab tseem ceeb ntawm cov txheej txheem PRA yog theem ntawm kev txhim kho thiab siv cov kev ntsuas uas tshem tawm lossis, yog tias ua tsis tau, tsawg kawg txo kev puas siab puas ntsws, yog li "kev nqis tes ua". Yuav ua li cas thiaj tswj hwm kev pheej hmoo?
Daim ntawv pov hwm kev tuav pov hwm ncaj ncees yog dab tsi?
Kev pov hwm tus nqi ncaj ncees. tus nqi fajseeb khomob rau lub sijhawm teem sijhawm sib npaug li qhov xav tau them rau tib lub sijhawm(yog li tuam txhab tuav pov hwm yuav tsis muaj nyiaj. Txoj kev tuav pov hwm ncaj ncees yog dab tsi? Xav txog kev tuav pov hwm uas yog qhov ncaj ncees, txhais tau tias tus nqi them yog sib npaug rau cov kev thov xav tau:
