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.
