Ngaba udiniwe kukuhluza iimfumba zamaphepha ukuze ulawule ipolisi yakho ye-inshorensi yezempilo?
Ewe, unethamsanqa!
Ihlabathi le-inshurensi yezempilo liye lahamba kwidijithali, kunye ne-plethora ye-apps eyenza lula ulawulo lomgaqo-nkqubo kunye nokucubungula ibango. E-Indiya, usetyenziso lwe-inshurensi yezempilo luye lwanda ukwanda kwiminyaka yamva nje, ngakumbi ngexesha lobhubhani we-COVID-19, njengoko abantu abaninzi befuna ukufikelela kude kwiinkonzo zonyango.
Kodwa ngokhetho oluninzi phaya, wazi njani ukuba yeyiphi iapp ekulungeleyo?
Sukuba nexhala, sikufihlile. Kweli nqaku, siqokelele ii-apps eziphezulu ze-inshurensi yezempilo ezili-12 e-Indiya (ezingabekwanga) ezibonelela ngoluhlu lweenkonzo, ukusuka ekuthengeni ipolisi ukuya kwibango lokuhlawula.
Nokuba ungumfundi weminyaka eyi-tech-savvy okanye ungummi ophezulu, ezi app ziyilelwe ukwenza ubomi bakho bube lula, ngojongano olusebenziseka lula kunye nokhuseleko oluthembekileyo. Ke, bopha, kwaye masijonge ilizwe le-inshurensi yezempilo e-Indiya!
1. Ufudo
I-Turtlemint liqonga le-inshurensi eliqhutywa bubuchwephesha baseIndiya enika uluhlu olubanzi lweemveliso zeinshurensi kunye neenkonzo kubathengi. Igama limele ukuzinikela kwenkampani ekuboneleleni ngokhuseleko kunye nobutyebi.
Yasekwa ngo-2015, iTurtlemint inekomkhulu eThane, eMaharashtra, kunye nokufikelela kwiinkampani ze-inshurensi ezingaphezu kwama-45+ kwi-intanethi, inceda izigidi zabantu ngothungelwano olukhulu lwabacebisi abangaphezu kwe-2.7 lakh.
I-Turtlemint ibonelela ngebhayisekile, imoto, ubomi, kunye ne-inshurensi yezempilo kwaye ibonelela ngezixhobo zokucebisa ezilungiselelweyo kunye nezifundo zemveliso yezemali. Indlela yeqonga ejolise kubathengi kunye neenkonzo ezintsha ziguqula ishishini le-inshurensi eIndiya ngokwenza kube lula ukuba abantu bazikhusele bona kunye neentsapho zabo ngokuchasene nokungaqiniseki kwemali.
Iimbonakalo
- NgeTurtlemint, abathengi banokufumana iikowuti ezahlukeneyo kunye neenkonzo zeengcebiso ngokweemfuno zabo ze-inshurensi.
- Abasebenzisi banokongeza yonke imigaqo-nkqubo yabo, kubandakanywa nezo zithengwe ngaphambili, kwaye bazilandele phantsi kwe-app enye.
- I-Turtlemint iqhayisa ngothungelwano lwabacebisi abangaphezu kwe-2.7 lakh ababonelela ngesikhokelo kunye nenkxaso xa kuyimfuneko.
- Ukuhlaziya imigaqo-nkqubo kwiqonga le-Turtlemint kuyakhawuleza kwaye ngokuthe ngqo, konga ixesha kunye nomzamo wabathengi.
- I-Turtlemint ibonelela ngenkxaso yebango esebenzayo, iqinisekisa inkqubo yebango egudileyo kwaye engenazinkathazo.
- I-Turtlemint inecandelo leblogi elizinikezeleyo elifundisa abasebenzisi malunga neengcamango ze-inshurensi ezisisiseko kunye neziphambili, kuquka iinzuzo zerhafu.
- Abasebenzisi banokuthelekisa iipolisi ezahlukeneyo zeinshurensi yezempilo ecaleni kweqonga leTurtlemint.
2. PayBima
Ngaphezulu kweminyaka eli-17 yamava kwimarike yeinshurensi, iMahindra Insurance Brokers Ltd.'s PayBima lisango le-intanethi. Ukuba nothungelwano lweeofisi ezingama-400, iye yasombulula amabango angaphezu kwama-50,000.
UPiyush Jain waseka ishishini nge-1 kaJanuwari 2004, kwaye iMumbai likhaya kwiofisi yayo eyintloko. I-PayBima ikunika ukhetho lwezinye iindlela onokukhetha kuzo ukuba ufuna i-inshurensi yezempilo, i-inshurensi yemoto, okanye naluphi na uhlobo lwenkonzo ye-inshurensi.
Kwabo bafuna ukufumana i-inshurensi, usetyenziso oluthe ngqo kunye ne-UI esebenziseka lula luyenza ibe lukhetho oludumileyo.
Iimbonakalo
- Ibonelela ngeendlela zokhuseleko lwe-inshurensi yezempilo ukusuka kwi-Rs. I-1 lac ukuya kwi-1 Crore
- Ivumela abasebenzisi ukuba bathelekise i-inshurensi engama-20+ kunye ne-100+ yezicwangciso ze-inshurensi yezempilo
- Ibonelela ngokhuseleko lweCoronavirus (Covid-19)
- Inika iinketho zokhuselo lwezifo esele zikho kwi-1-4 unyaka/s
- Ibonelela ngokhetho kwizigulana ukuba zingabinayo irente yegumbi kunye negumbi elinye labucala
- Abasebenzisi banokuthelekisa zonke izicwangciso kwiscreen esinye kwaye bakhethe eyona ifanelekileyo
3. Navi
Eyasungulwa ngo-2018 ngu-Ankit Agarwal kunye noSachin Bansal, iNavi yindawo yokuboleka imali yedijithali. Umbutho, osekelwe e-Bengaluru, eKarnataka, e-Indiya, ufuna ukwandisa ukufumaneka kunye nokufikeleleka kweenkonzo zemali kubaxhasi bayo. Ukuze unikeze ngeenkonzo ezahlukeneyo zezemali kwiibhanki, i-inshurensi, kunye necandelo lezemali, iqonga leNavi lakhiwe ngeemfuno zabathengi bayo kwaye ligxile ekutshaleni.
I-Navi ikhawuleza izimise njengamandla aphambili kwimakethi yokuboleka imali yedijithali ngenxa yogxininiso lwayo kwitekhnoloji nakwizinto ezintsha. Ukufikelela kwabantu kunye nokulawula iimali zabo kuyatshintsha ngenxa yendlela entsha yenkampani kwiinkonzo zemali. Ezi nkonzo kulula ukuzisebenzisa kwaye zifikeleleka ngakumbi kunangaphambili.
Iimbonakalo
- I-100% inkqubo yokubhalisa engenamaphepha ngaphandle kwamaphepha amade
- Ukujongwa kwamatyala onke okulaliswa esibhedlele kunye neendleko zonyango ezinxulumeneyo ukusuka kwiintsuku ezingama-90 ngaphambi kweentsuku ezili-180 emva kokulaliswa esibhedlele.
- Ukubonelela ngeendleko zangaphambi nasemva kokulaliswa esibhedlele
- Unyango lwezonyango ekhaya iintsuku ezi-3 okanye ngaphezulu ngenxa yemeko yempilo embi yesigulane okanye ukungabikho kwebhedi esibhedlele
- Ukubonisana okungenamkhawulo noogqirha be-intanethi kunye noogqirha abaphezulu belizwe ngaphandle kweendleko ezongezelelweyo
- Ukuya kuthi ga kwi-5 Lakh yokudluliselwa ngokukhawuleza nge-ambulensi yomoya
- Ukuhlolwa kwezempilo okuthotyelwayo kanye ngonyaka ngamnye wepolisi kumalungu angaphezu kweminyaka eyi-17
- Uthungelwano lwezibhedlele eziyi-10,000+
- Iipremiyamu ezifikelelekayo ziqala phantsi njenge- ₹235 ngenyanga.
4. Ditto
I-Inshurensi ye-Ditto ngumcebisi we-inshurensi ye-intanethi eyasekwa ngoFebruwari 2021 kwaye ikomkhulu layo likwi-Bengaluru. Inkampani yasungulwa liqela leengcali, kuquka uPawan Kumar Rai, Shrehith Karkera, Bhanu Harish Gurram, kunye noLokesh Gurram, ababekade bebandakanyeka kwi-platform ye-Inshots ephumelelayo.
Ngeengcali ze-inshorensi ezingama-45 ezifumanekayo kwi-intanethi ukuphendula nayiphi na imibuzo ngaphambi kokuthatha i-inshurensi, i-Inshurensi ye-Ditto inikezela ngemodeli ekhethekileyo yokucebisa ephuma kwabanye abacebisi be-inshurensi abakhoyo.
Ngaphezu koko, ngokwabelana nabo ngembali yakho yezonyango, i-Inshurensi ye-Ditto ibonelela ngoluhlu lokukhangela olwenzelwe ukukunceda ukuba uhluze ezona zicwangciso zilungileyo. Inkampani ifumene i-limelight eninzi ngenxa yemodeli yayo yokucebisa i-spam, iyenza ibe ngumcebisi we-inshurensi ethembekileyo kwaye ethembekileyo kuzo zonke iimfuno zakho.
Iimbonakalo
- I-Inshurensi ye-Ditto inikezela ngesikhokelo esibanzi sokukunceda ufunde malunga ne-inshurensi yezempilo kunye nendlela yokukhetha umgaqo-nkqubo ochanekileyo.
- I-app inikezela ngezixhobo ezikuvumela ukuba uqonde ngakumbi ipolisi yakho kwaye uyithelekise kunye neminye imigaqo-nkqubo ekhoyo kwimarike.
- Nge-Inshurensi ye-Ditto, ufumana elona cebiso lilungileyo kwi-inshurensi. I-app ineqela leengcali ze-inshurensi ezingama-45 ezikhoyo kwi-intanethi ukuphendula imibuzo yakho ngaphambi kokuthatha i-inshurensi.
- Inkampani inikezela ngomnxeba wokubonisana wasimahla, apho uya kuba nengqwalasela yabo engahlulwanga ubuncinci imizuzu engama-30.
- Ukuba unayo nayiphi na imibuzo eyongezelelweyo, i-Inshurensi ye-Ditto ibonelela ngenkxaso yencoko ukukunceda ukuba uyisombulule ngokukhawuleza kwaye kulula.
- Nge-Inshurensi ye-Ditto, unokuyiqonda ipolisi yakho, ufumane iimpendulo kwimibuzo yakho evuthayo, kwaye uthenge i-inshurensi, zonke kwindawo enye.
5. Inkqubobazaar
IPolicybazaar yeyona inshorensi inkulu yaseIndiya, evumela abathengi ukuba bathelekise iimveliso ze-inshorensi kunye nezinye iinkonzo zemali ezivela kwii-inshurensi eziphambili. U-Yasheesh Dahiya, u-Alok Bansal, kunye no-Avaneesh Nirjar baseke le nkampani ngoJuni 2008. Yifemu yezobuchwepheshe bezemali yehlabathi kunye nekomkhulu eGurgaon efumene ukuzithemba kubathengi abangaphezu kwezigidi ezili-9.
Iqonga lePolicybazaar libandakanya ngaphezulu kwezicwangciso zeinshurensi ezingama-250 kunye neenkampani zeinshurensi ezingaphezulu kwama-50, ezibonelela ngeendlela ngeendlela ezahlukeneyo zeinshurensi yobomi, i-inshurensi yezempilo, i-inshurensi yemoto, i-inshurensi yokuhamba, i-inshurensi yeqela, kunye nokunye. Ngo-2015, inkampani yakhupha i-app yayo yeselula, iyenza ibe lula kwaye ikhawuleze ukuba abathengi bafikelele kwiinkonzo zabo ngelixa besendleleni.
Iimbonakalo
- Inkxaso eyakhelwe-ngaphakathi kuyo yonke ipolisi yoncedo xa uyifuna kakhulu, enceda ekuhlawuleni ibango ngokulula.
- I-100% ethembekileyo njengoko ilawulwa yi-IRDAI.
- Iingcebiso ezingakhethi cala ezivela kwiingcali, ukugcina abathengi kuqala.
- Thelekisa iipolisi ezahlukeneyo zeinshorensi ukuze ufumane eyona ifanele iimfuno zakho.
- Thenga, gcina, kwaye wabelane ngayo yonke imigaqo-nkqubo yakho kwi-intanethi, ukwenza kube lula ukufikelela kuyo nanini na ufuna.
- Landela umkhondo ubume bepolisi yakho ekuhambeni, ukuze uhlale uyazi apho umi khona.
- I-inshurensi yezempilo yenkampani kunye nemigaqo-nkqubo karhulumente enxulumene nempilo efana nePolisi ye-Arogya Sanjeevani iyafumaneka eqongeni.
- Sebenzisa ikhatyhuleyitha yeinshorensi yempilo ukufumana uqikelelo lwentlawulo yeinshorensi yenyanga, ikwenza kube lula ukwenza uhlahlo lwabiwo-mali kwiimfuno zakho ze-inshurensi.
6. I-CoverFox
I-Coverfox yinkampani yetekhnoloji ye-inshurensi ekwikomkhulu eMumbai, eMaharashtra, eIndiya. Inkampani yasungulwa kwi-2013 nguDevendra Rane kunye noVarun Dua kwaye inikezela ngeqonga le-intanethi lokulawula imigaqo-nkqubo yomshuwalense. I-Coverfox inikeza uluhlu olubanzi lwemigaqo-nkqubo ye-inshurensi kuquka impilo, iimoto, ubomi, ibhayisekile, ukuhamba, utyalo-mali, kunye ne-inshurensi yasekhaya. Bane-tie-ups kunye neenkampani ze-inshurensi ze-40, ezivumela abasebenzisi ukuba bakhethe kwiimpawu eziphezulu ze-inshurensi eIndiya.
I-Coverfox isebenzisa iimodeli zobukrelekrele bokwenziwa ukwenza iqonga layo le-inshurensi, elibandakanya ukufumanisa umgaqo-nkqubo osekelwe kwi-algorithm evumela abasebenzisi ukuba baqhathanise kwaye bakhethe kuluhlu lwezicwangciso ezihambelana nohlahlo lwabiwo-mali kunye neemfuno zabo. Nge-Coverfox, ukulawula iipolisi zakho ze-inshurensi akuzange kube lula okanye kube lula ngakumbi.
Iimbonakalo
- Izicwangciso ze-inshurensi ezilula zichazwe ngesiNgesi esicacileyo, ngoko akukho phando lufunekayo.
- Yonke le nkqubo ikwi-intanethi, ukusuka ekuphequluleni ukuya ekuthengeni ipolisi.
- Iingcebiso ezingakhethi cala zinikelwe ukunceda abathengi benze izigqibo ezizizo.
- Iingcaphuno ezivela kubanini beinshorensi abaphezulu ziyafumaneka ngoko nangoko ukuze zithelekiswe lula.
- Ukonga kwizavenge zeinshorensi ngokukhetha esona sicwangciso singcono.
- Ukukhutshwa komgaqo-nkqubo ngokukhawuleza ngayo nayiphi na indlela yokuhlawula kwi-intanethi.
- Iqela lenkxaso lamabango engcali eliya kulwela abathengi abanama-inshurensi amaqabane de kufike isigwebo esifanelekileyo.
- Idatha igcinwe kumaziko edatha aqinisekisiweyo kwaye ahambelana ne-ISO.
- I-Blog ye-CoverFox inikeza ukhetho lokugqibela lomfundi kuyo yonke into enxulumene ne-inshurensi.
7. IfowuniPe
I-PhonePe yinkokeli yemarike kwindawo yokuhlawula idijithali eIndiya kwaye ngoku yenye yezona zinto zikhethwa kakhulu zokuhlawula ii-apps. Nangona kunjalo, inkampani ngoku ingene kwihlabathi le-inshurensi.
Yasekwa ngoDisemba 2015, i-PhonePe yafunyanwa nguFlipkart kunye nenkampani yomzali iWalmart kunyaka kamva. Ikomkhulu lePhonePe lifumaneka eBengaluru, kwaye yasekwa nguSameer Nigam, iBurzin Engineer, kunye noRahul Chari.
I-PhonePe inikezela ngezicwangciso ezahlukeneyo ze-inshurensi ezibandakanya uBomi, iMpilo, ukuHamba, kunye ne-Inshurensi yeMoto. Okwangoku, i-app ibonelela kuphela nge-Inshurensi ye-Arogya Sanjeevani, esisicwangciso se-inshurensi yezempilo eyilwe nguLawulo lwe-Inshurensi kunye noGunyaziwe woPhuhliso lwaseIndiya (IRDAI) ebandakanya i-COVID-19.
Njengoko i-PhonePe iqhubeka nokwandisa iminikelo yayo, kuya kuba ngumdla ukubona ukuba zeziphi ezinye iimveliso zomshuwalense inkampani yongeza kwiqonga layo.
Iimbonakalo
- Isicwangciso sinokubhaliswa nge-PhonePe ngokusebenzisa iindlela ezikhawulezayo, ezingenamaphepha.
- Iindleko zokulaliswa kwaphambi kokuya esibhedlele ezenziwe ukuya kutsho kwiintsuku ezingama-30 phambi kokulaliswa esibhedlele kunye neendleko zasemva kokulaliswa ezifunyenwe ukuya kutsho kwiintsuku ezingama-60 emva kokulaliswa ziyahlawulwa.
- Iindleko ezinxulumene nokutyelela ugqirha kunye neengxelo zonyango zihlawulelwa phantsi kwesi sibonelelo.
- Iindleko ezihlawulelwayo ziquka irente yegumbi, imali kagqirha, imali yomongikazi, iimali zotyando, iimvavanyo zokuxilonga, neendleko zekhemesti.
- Ukhetho lonyango lweCashless luyafumaneka, kwaye iNo Claim Bonus (NCB) ibonelelwe ngokungafaki ibango ngexesha lonyaka we-inshorensi.
- Ubuncinci beminyaka yokuqinisekisa ilungu ziinyanga ezi-3 ngelixa ubuninzi beminyaka eyi-65 ye-Arogya Sanjeevani yokugubungela kwi-PhonePe.
- Ukhuseleko oluphezulu lokulaliswa esibhedlele ukuya kuthi ga kwi-Rs. I-20,00,000 inikezelwe, kwaye iipremiyamu zisezantsi njenge-Rs. 241/ngenyanga.
8. Ako
I-Acko yinkampani ye-inshurensi yabucala ese-Mumbai enikezela abathengi bayo izibonelelo ze-inshurensi yeprimiyamu kunye neemveliso ze-inshurensi ezilumayo kunye neekomishini zero. Yasekwa ngoNovemba 2016 nguVarun Dua kunye noRuchi Deepak, inkampani isebenza ngokupheleleyo ngeqonga layo ledijithali, lenza ukuba lingabi namaphepha.
U-Acko unelayisensi ye-IRDAI (iNombolo yoBhaliso lwe-IRDAI: 157) Inkampani ye-Inshurensi Jikelele, kwaye imveliso yayo inika imveliso ibandakanya iMoto kunye neteksi, iBhayisekile, kunye ne-inshurensi yezeMpilo. Ngeqela elingaphezulu kwama-400, uAcko uqhayisa ngokukhonza malunga nezigidi ezingama-50 zabathengi abakhethekileyo. Ngo-2019, uAcko wabekwa kwindawo yesi-8 yeyona nkampani ibalaseleyo ye-InsurTech yiFinTech Global.
Iimbonakalo
- I-Acko iqhayisa umlinganiselo wokuhlawula amabango angama-95% kwi-FY 19-20, oko kuyenza ibe yindlela ethembekileyo yokukhangela i-inshurensi.
- Iqonga le-intanethi lika-Acko livumela ukuhlaliswa kwamabango akhawulezayo nasimahla, okwenza inkqubo ingabinaxinzelelo kubathengi.
- Iqonga layo ledijithali lithetha ukuba zonke iinkonzo zinokufumaneka ngokuchofoza nje okumbalwa, ukuphelisa imfuno yamaphepha.
- I-Acko ibonelela ngokuhlawula amabango angenamali kwi-inshurensi yezempilo kuthungelwano lwabo olubanzi lwe-PAN India kwizibhedlele zamahlakani.
- Ibonelela ngezibonelelo, izikhokelo, kunye namanqaku kubathengi abatsha be-inshurensi, beyenza ibe lukhetho olukhulu kubaqalayo.
- Ibonelela ngeentlobo ezintathu ze-inshurensi yezempilo - i-inshurensi yezempilo jikelele, i-Aarogya Sanjeevini, kunye ne-inshorensi yezonyango yeqela.
- Ngabasebenzisi abangaphezu kwe-4.5 crore, ibe lukhetho oludumileyo kwabo bafuna i-inshurensi.
- I-Acko ibonelela ngeinshurensi kwiipremiyamu eziphantsi kakhulu, iyenza ibe lukhetho olufikelelekayo kwabaninzi.
9. OneAssure
I-OneAssure liqonga eliphucula inkqubo yokuthenga i-inshurensi yezempilo. Idibanisa abathengi kunye nabaqeqeshi be-inshurensi yezempilo abahlalutya iimfuno zabo kwaye babonelele ngezicwangciso ezifanelekileyo ezivela kubakhiqizi abahlukeneyo. Abathengi banokugqiba ngokungenamsebenzi intengiselwano emva kokufumana ikhonkco lentlawulo kwiifowuni zabo. U-Ruchir Kanakia kunye no-Shreyans Maini benze i-firm ngo-2019 kwaye isekelwe e-Bangalore, Karnataka.
Ngaphezulu kweshumi leenkampani zamaqabane kunye ne-150+ amaqabane aqeqeshiweyo, i-OneAssure ibonelela abathengi ngeendlela ezahlukeneyo zokukhetha. Uyilo lwayo olusebenziseka lula kunye nenkqubo eyenziwe lula iyenza ibeyeyona ithandwayo kubantu abafuna ukuthenga i-inshurensi engasokoli.
Iimbonakalo
- I-OneAssure ibonelela ngeentlobo ezimbini zezicwangciso ze-inshorensi yezempilo: inzuzo esisigxina kunye nenzuzo yembuyekezo, ebandakanya ukhuseleko lokugula okubalulekileyo.
- Izicwangciso zenkampani ezilungelelanisiweyo zobuqu luphawu olubalaseleyo, olunonxibelelwano oluncinci nolufanelekileyo lwenziwa kuphela ngexesha elikhethiweyo lomsebenzisi.
- Amaqabane e-OneAssure aqeqeshelwe ukuhlangabezana nemimiselo yeLayisensi ye-IRDAI POSP, ukuqinisekisa uncedo olusemgangathweni kubathengi.
- Inkampani ibeka phambili inkqubo engenamthungo kungekho zithuba zonxibelelwano okanye inkqubo, ukugcina abathengi ixesha kunye nemali.
- Uncedo lwexesha lonke kunye nokuhlawulela amabango angenangxaki nawo aqinisekiswa yi-OneAssure.
- I-OneAssure inomgaqo-nkqubo wentlawulo ocacileyo wokukhuthaza ukuthembela kuluntu lwamaqabane ayo.
- I-app ye-inshorensi yeminyaka emitsha ezayo sele iqokelele abathengi abangaphezulu kwama-2000 abonwabileyo.
10. InshorensiDekho
I-InsuranceDekho, eyasekwa ngo-2016 ngu-Ankit Agrawal kunye no-Ish Babbar, liqonga elikhethekileyo le-intanethi elibekwe eGurugram, eHaryana, elivumela abathengi ukuba bathelekise iikowuteshini ze-inshurensi ezivela kwiifemu ze-inshurensi eziphezulu zaseIndiya. Iqonga libonelela ngezisombululo ezahlukeneyo ze-inshurensi, njenge-inshurensi yemoto, i-inshurensi yebhayisekile, i-inshurensi yezempilo, kunye ne-inshurensi yobomi. Enye yeenzuzo eziphambili ze-InshurensiDekho luyilo olusebenziseka lula kunye nenkqubo yomba we-inshurensi ekhawulezayo, ethatha imizuzu emihlanu kuphela. Ngokophononongo lweGoogle, i-InsuranceDekho inomlinganiselo we-4.4 kwaye iphathe amabango angama-20,000. Ngaphaya koko, abathengi banokuhlawula izavenge zeinshorensi zabo besebenzisa iindlela ezahlukeneyo zokuhlawula ezinje ngamakhadi okuthenga ngetyala, amakhadi okuthenga ngetyala, okanye i-net banking.
Iimbonakalo
- I-InsuranceDekho inikeza uluhlu olubanzi lwezicwangciso ezivela kwi-30+ iinkampani ze-inshurensi zamaqabane.
- Abathengi bafumana indawo enye yoqhagamshelwano kuzo zonke iimfuno zenkxaso yebango.
- Iingcali eziqinisekisiweyo zenkampani zibonelela ngeengcebiso zomntu ukulungiselela iimfuno zabathengi.
- Iqela lenkxaso elizinikeleyo liyafumaneka iintsuku ezisi-7 ngeveki ukunceda nakuphi na ukubhideka.
- Abathengi banokufikelela kwiipolisi ezidumileyo ezifana nePradhan Mantri Suraksha Bima Yojana kunye neRashtriya Swasth Bima Yojana.
- Iqonga libonelela ngekhaltyhuleyitha yeprimiyamu yeinshurensi yempilo ukuthelekisa umgaqo-nkqubo olula.
- Abathengi banokuhlaziya kwaye balandele imigaqo-nkqubo ngaphandle komthungo.
- I-app ikwabonelela ngofikelelo kutyalo-mali kunye neendaba ezinxulumene ne-inshorensi ukuze kube lula kubasebenzisi.
11. INDMoney
I-INDMoney lusetyenziso lwezemali olukhulu oluye lwafumana ukuthandwa ngokukhawuleza okoko lwasungulwa ngo-2017, lunabasebenzisi abangaphezu kwezigidi ezi-5. Ibonelela ngeqonga elibanzi lokonga, ukucwangcisa, kunye nokutyala kuwo onke amalungu osapho. I-app ibonelela ngothotho lweempawu, kubandakanywa ukutyala imali kwi-US Stocks kunye nokulandela umkhondo woBomi beMali.
I-INDMoney isanda kungena kwicandelo leengcebiso ze-inshurensi, kunye neendidi ezintlanu ezinkulu, ezibandakanya i-Inshurensi yezeMpilo, i-Inshurensi yoMlilo, i-Inshurensi yokuhamba, i-Inshurensi yeMoto, kunye ne-Inshurensi yeKhaya. Ngoluhlu lwayo olwahlukeneyo lweenkonzo kunye nojongano olusebenziseka lula, i-INDMoney yindawo yokumisa enye yazo zonke iimfuno zakho zemali.
Iimbonakalo
- Ngaphezulu kwe-10,000 yabantu ababotshelelwe esibhedlele ngaphandle kwengxaki yonyango.
- Ixesha elifutshane lokulinda leminyaka emi-2 lokhuselo lwesifo esele sikhona.
- Iingcebiso zeemveliso zomntu ezisekelwe kwiimfuno kunye nohlalutyo lweenjongo.
- Iifowuni ze-spam ze-Zero kunye ne-SMS ukuphepha ukukhushulwa okungafunekiyo.
- Imodeli yamaxabiso ephandle ngaphandle kwentlawulo efihliweyo okanye imirhumo.
- Inkxaso yamabango ukukhokela abasebenzisi kwinkqubo yamabango.
- 100% iqonga elingakhethi cala leengcebiso kunye neengcebiso ezingakhethi cala.
- Zonke izicwangciso ze-inshorensi ziyafumaneka kwi-intanethi ukuze ufikeleleke lula kwaye uthenge.
- I-95.2% yentlawulo yebango yokhuseleko oluthembekileyo.
12. I-inshurensi yedijithi
Isekelwe e-Bengaluru, eKarnataka, eIndiya, i-Inshurensi yeDijithali yi-inshurensi eyaziwayo. Yenziwe ngo-2017 nguKamesh Goyal kwaye ithenjwa ngabathengi abangaphezu kwe-3 crore.
Ishishini libonelela ngokufikelela okungenangxaki kwiiplani zeinshurensi ezahlukeneyo, kubandakanya i-inshurensi yebhayisekile, i-inshurensi yemoto yorhwebo, i-inshurensi yemoto, i-inshurensi yezempilo, kunye ne-inshurensi yokuhamba. Abathengi banokuzuza kwiinketho zonyango ezingenamali enkosi kwinethiwekhi yayo yezibhedlele ezingaphezu kwe-10,500.
Ngaphezu koko, i-Inshurensi yeDijithali ibonelela ngezibonelelo zempilo ezifikelelekayo ngamaqabane angaphezu kwe-10 ezempilo. Umbutho ubonelela ngezicwangciso zeinshurensi yezempilo ezibanzi ezifanelekileyo kubo bonke abantu, kubandakanya abantu abancinci, iintsapho, abantu abadala, abasebenzi, abalandeli bempilo, kunye nabo bakwibhajethi engqongqo.
Iimbonakalo
- Indlela engantsonkothanga, engenamaphepha yokuthenga nokusebenzisa i-inshurensi yezempilo.
- Akukho ndleko yentlawulo yeminyaka okanye yezone-based co-payment, akukho mida kwirenti yegumbi, kwaye akukho mfuneko yeekopi zephepha zamabango.
- I-inshorensi epheleleyo kunye namabango angenamkhawulo kunye nenkxaso yemali ekhuselweyo.
- Ngokudityaniswa namaqabane athembekileyo ezempilo kunye nempilo, iDigit app ibonelela ngezibonelelo zempilo ezizodwa.
- Ibandakanya i-COVID-19 kwaye ihlawula zonke iindleko zokulaliswa esibhedlele ngenxa ye-COVID-19, izifo, iingozi, kunye nezigulo eziyingozi.
- Ixesha leminyaka emithathu lokulinda isifo esele sikhona, ukungabandakanyi iindleko zangaphambi kokubeleka kunye nezasemva kokubeleka, kunye nokuthintela ukulaliswa esibhedlele ngaphandle komyalelo kagqirha.
- Inika abathengi ukufikelela kwenye i-inshurensi, kuquka i-Aarogya Saneevini kunye ne-Inshurensi yezeMpilo yeShishini.
isiphelo
Okokugqibela, ezi zicelo ziphezulu ze-inshurensi yezempilo ezili-12 eIndiya zibonelela ngesisombululo esilula, esisebenzisekayo sokukhusela impilo yakho kunye nemali. Ezi zicelo uzigqumile ukuba ufuna ukhuselo olupheleleyo okanye izinto ezithile ezilungele iimfuno zakho.
Ngonxibelelwano olulula, uncedo lwabathengi abangama-24/7, kunye nokukhawuleziswa kokwenziwa kwamabango, unokuba noxolo lwengqondo ukwazi ukuba ukhuselwe kwimeko kaxakeka yonyango.
Ngeempawu ezifana nokulaliswa esibhedlele ngaphandle kwemali, izibonelelo zempilo, kunye nezindululo zemveliso ezingakhethi cala, unokuthatha uxanduva lwempilo yakho kwaye wenze izigqibo ezifundisiweyo malunga ne-inshurensi yakho.
Ke kutheni ulindile?
Khuphela enye yezi zicelo ngoko nangoko kwaye uqale ukuzikhusela wena kunye nabo ubathandayo!
Shiya iMpendulo