Ingabe ukhathele ukuhlunga izinqwaba zamaphepha ukuze uphathe umshwalense wakho wezempilo?
Hhayi-ke, usenhlanhleni!
Umhlaba womshwalense wezempilo uye waba yidijithali, ngobuningi bezinhlelo zokusebenza ezenza lula ukuphathwa kwenqubomgomo nokucubungula izimangalo. E-India, izinhlelo zokusebenza zomshwalense wezempilo ziye zanda kakhulu eminyakeni yamuva, ikakhulukazi phakathi nobhadane lwe-COVID-19, njengoba abantu abaningi bafuna ukufinyelela bekude ezinsizeni zokunakekelwa kwezempilo.
Kodwa ngezinketho eziningi laphaya, wazi kanjani ukuthi yiluphi uhlelo lokusebenza olulungele wena?
Ungakhathazeki, sikuphathele. Kulesi sihloko, sihlanganise izinhlelo zokusebenza eziphezulu zomshwalense wezempilo ezingu-12 e-India (azilinganisiwe) ezinikeza ububanzi bezinsizakalo, kusukela ekuthengeni inqubomgomo kuya ekufuneni ukukhokhelwa.
Kungakhathaliseki ukuthi uyisakhamuzi se-tech-savvy noma uyisakhamuzi esiphezulu, lezi zinhlelo zokusebenza ziklanyelwe ukwenza impilo yakho ibe lula, ngezisetshenziswa ezisebenziseka kalula nokuvikeleka okuthembekile. Ngakho-ke, bopha, futhi masihlole umhlaba wezinhlelo zokusebenza zomshwalense wezempilo e-India!
1. I-Turtlemint
I-Turtlemint iyinkundla yomshwalense eqhutshwa ubuchwepheshe baseNdiya enikezela ngemikhiqizo eminingi yomshwalense nezinsizakalo kumakhasimende. Igama limelela ukuzibophezela kwenkampani ekunikezeni ukuphepha nengcebo.
Yasungulwa ngo-2015, i-Turtlemint inekomkhulu e-Thane, e-Maharashtra, futhi ifinyelela ezinkampanini zomshwalense ezingaphezu kuka-45+ ku-inthanethi, isebenzela izigidi zabantu ngenethiwekhi yayo enkulu yabeluleki abangaphezu kuka-2.7 lakh.
I-Turtlemint inikeza umshwalense webhayisikili, imoto, impilo, kanye nezempilo futhi inikeza amathuluzi okuncoma angokwezifiso kanye nezifundo zomkhiqizo wezezimali. Indlela yale nkundla yokugxila kumakhasimende kanye nezinsizakalo ezintsha ziguqula imboni yomshwalense e-India ngokwenza kube lula ngabantu ukuzivikela bona nemindeni yabo ekungaqinisekini kwezezimali.
Izici
- Nge-Turtlemint, amakhasimende angathola amakhotheshini ahlukahlukene kanye nezinsizakalo zokweluleka ngokwezidingo zawo zomshwalense.
- Abasebenzisi bangangeza zonke izinqubomgomo zabo, okuhlanganisa nalezo ezithengwe ngaphambilini, futhi bazilandele ngaphansi kohlelo lokusebenza olulodwa.
- I-Turtlemint inenethiwekhi yabeluleki abangaphezu kuka-2.7 lakh abanikeza isiqondiso nokusekelwa lapho kudingeka.
- Ukuvuselela izinqubomgomo kuplathifomu ye-Turtlemint kuyashesha futhi kuqondile, konga isikhathi nomzamo wamakhasimende.
- I-Turtlemint ihlinzeka ngosekelo lwesimangalo olusebenzayo, iqinisekisa inqubo yokufuna ishelele futhi engenazinkathazo.
- I-Turtlemint inesigaba sebhulogi esizinikezele esifundisa abasebenzisi mayelana nemiqondo yomshuwalense eyisisekelo nethuthukisiwe, okuhlanganisa izinzuzo zentela.
- Abasebenzisi bangaqhathanisa izinqubomgomo zomshwalense wezempilo ezihlukene eceleni kweplathifomu ye-Turtlemint.
2. I-PayBima
Ngesipiliyoni seminyaka engaphezu kwe-17 emakethe yomshwalense, i-PayBima ye-Mahindra Insurance Brokers Ltd. iyisango eliku-inthanethi. Njengoba inoxhaxha lwamahhovisi angama-400, isixazulule izimangalo ezingaphezu kuka-50,000.
UPiyush Jain usungule ibhizinisi ngoJanuwari 1, 2004, futhi iMumbai iyikhaya lehhovisi layo eliyinhloko. I-PayBima ikunikeza ukhetho lwezinye izindlela ongakhetha kuzo ukuthi udinga umshwalense wezempilo, umshwalense wezimoto, nanoma yiluphi olunye uhlobo lwesevisi yomshwalense.
Kulabo abafuna ukuthola umshwalense, i-UI yohlelo lokusebenza eqondile nesebenziseka kalula iyenza inketho edumile.
Izici
- Inikeza izinketho zomshwalense wezempilo kusukela ku-Rs. 1 lac kuya ku-1 Crore
- Ivumela abasebenzisi ukuthi baqhathanise umshwalense ongu-20+ kanye nezinhlelo zomshwalense wezempilo ezingu-100+ ezihamba phambili
- Ihlinzeka ngekhava ye-Coronavirus (Covid-19)
- Inikeza izinketho zokumboza izifo ezivele zikhona iminyaka engu-1-4/s
- Ihlinzeka ngezinketho zeziguli ukuthi zingabi namagumbi okuqasha kanye negumbi elilodwa langasese
- Abasebenzisi bangaqhathanisa zonke izinhlelo esikrinini esisodwa futhi bakhethe esifaneleka kakhulu
3. Navi
Yasungulwa ngo-2018 ngu-Ankit Agarwal kanye noSachin Bansal, iNavi iyinkundla yokuboleka imali yedijithali. Le nhlangano, ezinze e-Bengaluru, e-Karnataka, e-India, ifuna ukukhulisa ukutholakala nokufinyeleleka kwezinsizakalo zezezimali kumakhasimende ayo. Ukuze kuhlinzekwe ngezinsizakalo ezahlukahlukene zezezimali emkhakheni wamabhange, umshwalense, kanye nezezimali, inkundla ye-Navi yakhiwe kucatshangwa ngezidingo zamakhasimende ayo futhi igxile emisha.
I-Navi ishesha ukuzibonakalisa njengamandla amakhulu emakethe yokubolekisa ngemali yedijithali ngenxa yokugcizelela kwayo ubuchwepheshe nokusungula izinto ezintsha. Ukufinyelela kwabantu nokuphathwa kwezimali zabo kuyashintsha ngenxa yendlela entsha yenkampani yezinsiza zezezimali. Lezi zinsizakalo kulula ukuzisebenzisa futhi zithengeka kakhulu kunangaphambili.
Izici
- Inqubo yokubhalisa engenamaphepha engu-100% engenawo amaphepha amade
- Ukumbozwa kwazo zonke izikweletu zokulaliswa esibhedlela kanye nezindleko zokwelashwa ezihlobene kusukela ezinsukwini ezingama-90 ngaphambi kwezinsuku eziyi-180 ngemuva kokulaliswa esibhedlela
- Ukukhokhelwa kwezindleko zangaphambi nangemuva kokulaliswa esibhedlela
- Ukwelashwa ekhaya izinsuku ezi-3 noma ngaphezulu ngenxa yesimo esibi sempilo yesiguli noma ukungatholakali kombhede wasesibhedlela
- Ukubonisana nodokotela oku-inthanethi okungenamkhawulo nodokotela abaphezulu bezwe ngaphandle kwezindleko ezengeziwe
- Kufika ku-R5 Lakh ngokudluliswa okuphuthumayo nge-ambulensi yomoya
- Ukuhlolwa kwezempilo okungakhokhelwa kanye ngonyaka ngamunye wepholisi kumalungu angaphezu kweminyaka eyi-17
- Inethiwekhi yezibhedlela ezingu-10,000+
- Amaphrimiyamu athengekayo aqala phansi njenge- ₹235 ngenyanga.
4. Ditto
I-Ditto Insurance ingumeluleki womshwalense oku-inthanethi owasungulwa ngoFebhuwari 2021 futhi ikomkhulu lakhe likhona e-Bengaluru. Le nkampani yasungulwa ithimba lochwepheshe, okuhlanganisa u-Pawan Kumar Rai, Shrehith Karkera, Bhanu Harish Gurram, kanye no-Lokesh Gurram, ababehileleke ngaphambilini ku-platform ye-Inshots ephumelelayo.
Njengoba ochwepheshe bomshwalense abangu-45 betholakala ku-inthanethi ukuze baphendule noma yimiphi imibuzo ngaphambi kokuthatha umshwalense, i-Ditto Insurance inikeza imodeli yokweluleka ehlukile kwabanye abeluleki bomshuwalense abatholakalayo.
Ngaphezu kwalokho, ngokwabelana nabo ngomlando wakho wezokwelapha, i-Ditto Insurance inikeza uhlu lokuhlola olwenzelwe ukukusiza ukuthi uhlole izinhlelo ezinhle kakhulu. Inkampani izuze ukugqama okukhulu ngenxa yemodeli yayo yokweluleka engekho ogaxekile, okuyenza ibe umeluleki womshwalense onokwethenjelwa nothembekile kuzo zonke izidingo zakho.
Izici
- I-Ditto Insurance inikeza umhlahlandlela ophelele wokukusiza ufunde ngomshuwalense wezempilo kanye nendlela yokukhetha inqubomgomo efanele.
- Uhlelo lokusebenza lunikeza amathuluzi akuvumela ukuthi uqonde inqubomgomo yakho kangcono futhi uyiqhathanise nezinye izinqubomgomo ezitholakala emakethe.
- Nge-Ditto Insurance, uthola iseluleko esingcono kakhulu somshwalense. Uhlelo lokusebenza lunethimba lochwepheshe bomshwalense abangama-45 abatholakala ku-inthanethi ukuze baphendule imibuzo yakho ngaphambi kokuthatha umshwalense.
- Inkampani inikeza ikholi yokubonisana yamahhala, lapho uzothola ukunakwa kwabo okungahlukene okungenani imizuzu engama-30.
- Uma uneminye imibuzo eyengeziwe, i-Ditto Insurance ikunikeza ukwesekwa kwengxoxo ukukusiza ukuyixazulula ngokushesha nakalula.
- Nge-Ditto Insurance, ungaqonda inqubomgomo yakho, uthole izimpendulo zemibuzo yakho evuthayo, futhi uthenge umshwalense, konke endaweni eyodwa.
5. Inqubomgomobazaar
I-Policybazaar iyisihlanganisi somshwalense esikhulu kunazo zonke sase-India, esivumela abathengi ukuthi baqhathanise imikhiqizo yomshwalense nezinye izinsizakalo zezezimali ezivela kubadayisi bomshwalense abahamba phambili. U-Yasheesh Dahiya, u-Alok Bansal, kanye no-Avaneesh Nirjar basungule le nkampani ngo-June 2008. Iyifemu yomhlaba wonke yobuchwepheshe bezezimali enendlunkulu e-Gurgaon esithole ukwethenjwa kwabathengi abangaphezu kwezigidi ezingu-9.
Inkundla ye-Policybazaar ihlanganisa izinhlelo zomshwalense ezingaphezu kuka-250 nezinkampani zomshwalense ezingaphezu kuka-50, ezihlinzeka ngezindlela ezihlukahlukene ezihlukahlukene zomshwalense wempilo, umshwalense wezempilo, umshwalense wemoto, umshwalense wokuhamba, umshwalense weqembu, nokunye. Ngo-2015, inkampani yakhipha uhlelo lwayo lokusebenza lweselula, okwenza kube lula futhi kusheshe kubathengi ukuthi bafinyelele izinsiza zabo ngenkathi besohambeni.
Izici
- Usekelo olwakhelwe ngaphakathi ngayo yonke inqubomgomo ukuze uthole usizo lapho uludinga kakhulu, okusiza ekukhokheleni isimangalo kalula.
- Ithembekile ngo-100% njengoba ilawulwa yi-IRDAI.
- Iseluleko esingachemile esivela kochwepheshe, ukugcina amakhasimende kuqala.
- Qhathanisa izinqubomgomo zomshwalense ezahlukene ukuze uthole leyo ehambisana nezidingo zakho kangcono.
- Thenga, gcina, futhi wabelane ngazo zonke izinqubomgomo zakho ku-inthanethi, okwenza kube lula ukufinyelela kuzo noma nini uma udinga.
- Landela ngomkhondo isimo sakho senqubomgomo usohambeni, ukuze uhlale wazi ukuthi umi kuphi.
- Umshwalense wezempilo webhizinisi kanye nezinqubomgomo zikahulumeni ezihlobene nezempilo njenge-Arogya Sanjeevani Policy ziyatholakala endaweni yesikhulumi.
- Sebenzisa umshini wokubala womshwalense wezempilo ukuze uthole isilinganiso senkokhelo yakho yomshwalense wanyanga zonke, okwenza kube lula ukwenza ibhajethi yezidingo zakho zomshwalense.
6. I-CoverFox
I-Coverfox yinkampani yobuchwepheshe bomshwalense entsha enekomkhulu eMumbai, eMaharashtra, eNdiya. Le nkampani yasungulwa ngo-2013 ngu-Devendra Rane kanye no-Varun Dua futhi inikeza inkundla ye-inthanethi yokuphatha izinqubomgomo zomshuwalense. I-Coverfox inikeza izinhlobonhlobo zezinqubomgomo zomshuwalense ezihlanganisa ezempilo, izimoto, impilo, ibhayisikili, uhambo, ukutshalwa kwezimali, kanye nomshwalense wasekhaya. Banobudlelwano nezinkampani zomshwalense ezingaphezu kuka-40, ezivumela abasebenzisi ukuthi bakhethe kumabhrendi omshwalense aphezulu eNdiya.
I-Coverfox isebenzisa amamodeli obuhlakani bokwenziwa ukuze idale inkundla yayo yomshwalense, ehlanganisa isici sokutholwa kwenqubomgomo esisekelwe ku-algorithm esivumela abasebenzisi ukuthi baqhathanise futhi bakhethe ohlwini lwezinhlelo ukuze zivumelane nesabelomali nezidingo zabo. Nge-Coverfox, ukuphatha izinqubomgomo zomshwalense akukaze kube lula noma kube lula kakhulu.
Izici
- Izinhlelo zomshuwalense ezilula zichazwe ngesiNgisi esilula, ngakho-ke alukho ucwaningo oludingekayo.
- Yonke inqubo iku-inthanethi, kusukela ekuphequluleni kuya ekuthengeni inqubomgomo.
- Iseluleko esingachemile sinikezwa ukusiza amakhasimende enze izinqumo ezinolwazi.
- Izingcaphuno ezivela kubadayisi bomshwalense abaphezulu zitholakala ngokushesha ukuze ziqhathaniswe kalula.
- Ukonga kumaphrimiyamu omshwalense ngokukhetha uhlelo olungcono kakhulu.
- Ukukhishwa kwenqubomgomo esheshayo nganoma iyiphi indlela yokukhokha ku-inthanethi.
- Ithimba lokusekela izimangalo ezingochwepheshe elizolwela amakhasimende anezinkampani zomshwalense ozakwethu kuze kukhishwe isinqumo esifanele.
- Idatha igcinwa ezikhungweni zedatha ezivikelekile nezithobelayo ze-ISO.
- I-CoverFox Blog inikeza ukukhetha komfundi okuphelele kukho konke okuhlobene nomshwalense.
7. IfoniPe
I-PhonePe ingumholi wemakethe endaweni yezinkokhelo zedijithali e-India futhi okwamanje ingenye yezinhlelo zokusebenza zokukhokha ezikhethwa kakhulu. Kodwa-ke, inkampani manje isingene emkhakheni womshwalense.
Yasungulwa ngoDisemba 2015, i-PhonePe yatholwa yi-Flipkart kanye nenkampani yayo engumzali i-Walmart ngonyaka olandelayo. Indlunkulu yePhonePe itholakala eBengaluru, futhi yasungulwa nguSameer Nigam, Burzin Engineer, kanye noRahul Chari.
I-PhonePe inikezela ngezinhlelo zomshwalense ezahlukahlukene ezihlanganisa Impilo, Impilo, Ukuhamba, kanye Nomshuwalense Wezimoto. Okwamanje, uhlelo lokusebenza luhlinzeka kuphela nge-Arogya Sanjeevani Insurance, okuwuhlelo lomshwalense wezempilo oluklanywe i-Insurance Regulatory & Development Authority of India (IRDAI) ekhava i-COVID-19.
Njengoba i-PhonePe iqhubeka nokwandisa iminikelo yayo, kuzothakazelisa ukubona ukuthi yimiphi eminye imikhiqizo yomshuwalense inkampani eyengeza endaweni yayo.
Izici
- Uhlelo lungabhaliswa nge-PhonePe ngokusebenzisa izindlela ezisheshayo, ezingenamaphepha.
- Izindleko zokulaliswa ngaphambi kokuya esibhedlela ezitholwe kufika ezinsukwini ezingu-30 ngaphambi kokulaliswa esibhedlela kanye nezindleko zangemuva kokulaliswa ezitholwe ezinsukwini ezingu-60 ngemva kokulaliswa esibhedlela ziyakhava.
- Izindleko ezihambisana nokuvakasha kodokotela kanye nemibiko yezokwelapha zikhavwa ngaphansi kwale nzuzo.
- Izindleko ezikhavwe zihlanganisa irenti yegumbi, imali kadokotela, izimali zomhlengikazi, izimali zodokotela abahlinzayo, ukuhlolwa kokuxilonga, nezindleko zekhemisi.
- Inketho yokwelashwa kwe-Cashless iyatholakala, futhi i-No Claim Bonus (NCB) ihlinzekwa ngokungasigcwalisi isimangalo phakathi nonyaka wekhava.
- Ubuncane beminyaka yokuqinisekisa ilungu yizinyanga ezi-3 kanti iminyaka yobudala engu-65 ukuze i-Arogya Sanjeevani ifakwe ku-PhonePe.
- Ukufakwa esibhedlela okusezingeni eliphezulu kuze kufike ku-Rs. 20,00,000 inikeziwe, futhi amaphrimiyamu aphansi njenge-Rs. 241/ngenyanga.
8. i-acko
I-Acko yinkampani yomshwalense ojwayelekile ezimele ese-Mumbai enikeza amakhasimende ayo izindawo zomshwalense we-premium kanye nemikhiqizo yomshwalense elumayo enamakhomishini aziro. Isungulwe ngoNovemba 2016 nguVarun Dua noRuchi Deepak, inkampani isebenza ngokuphelele ngeplatifomu yayo yedijithali, iyenza ingabi namaphepha ngokuphelele.
I-Acko inelayisensi ye-IRDAI (Inombolo Yokubhaliswa Kwe-IRDAI: 157) I-General Insurance, futhi iminikelo yayo yemikhiqizo ihlanganisa Imoto netekisi, Ibhayisikili, kanye nomshwalense Wezempilo. Ngomndeni ongaphezu kuka-400, u-Acko uzishaya isifuba ngokusebenzela amakhasimende ahlukile acishe abe yizigidi ezingama-50. Ngo-2019, u-Acko wabalwa njengenkampani yesi-8 ehamba phambili ye-InsurTech yiFinTech Global.
Izici
- I-Acko inesilinganiso sokukhokhelwa kwesimangalo esingu-95% ku-FY 19-20, okuyenza ibe inketho ethembekile kwabafuna umshwalense.
- Inkundla ye-inthanethi ka-Acko ivumela ukukhokhelwa kwezicelo ezisheshayo nezingenazinkinga, okwenza inqubo ingabi nengcindezi kumakhasimende.
- Inkundla yayo yedijithali isho ukuthi zonke izinsiza zingafinyelelwa ngokuchofoza okumbalwa nje, okuqeda isidingo samaphepha.
- I-Acko inikeza ukukhokhelwa kwezicelo ezingenamali zomshuwalense wezempilo kunethiwekhi yabo ebanzi ye-PAN India yezibhedlela zozakwethu.
- Ihlinzeka ngezinsiza, imihlahlandlela, nama-athikili kubathengi abasha bomshwalense, okwenza kube inketho enhle kwabaqalayo.
- Ihlinzeka ngezinhlobo ezintathu zomshwalense wezempilo - umshwalense wezempilo jikelele, i-Aarogya Sanjeevini, kanye nekhava yezokwelapha yeqembu.
- Ngabasebenzisi abangaphezu kuka-4.5 crore, sekuyisinqumo esidumile kulabo abafuna umshwalense.
- I-Acko inikeza umshwalense ngamaphrimiyamu aphansi kakhulu, okwenza kube inketho ethengekayo kwabaningi.
9. I-OneAssure
I-OneAssure iyinkundla esungulayo eyenza kube lula inqubo yokuthenga umshwalense wezempilo. Ixhumanisa amakhasimende nabasebenzi bomshuwalense wezempilo abahlaziya izidingo zabo futhi banikeze izinhlelo ezifanele ezivela kubakhiqizi abahlukahlukene. Abathengi bangase baqedele umsebenzi kalula ngemva kokuthola isixhumanisi sokukhokha kumafoni abo. U-Ruchir Kanakia kanye no-Shreyans Maini badale inkampani ngo-2019 futhi izinze e-Bangalore, Karnataka.
Njengoba kunezinkampani zozakwethu ezingaphezu kweshumi kanye nozakwethu abaqeqeshiwe abangu-150+, i-OneAssure inikeza abathengi ukukhetha okuhlukahlukene okunokwenzeka. Idizayini yayo esebenziseka kalula kanye nenqubo eyenziwe lula iyenza ibe enye indlela edumile kubantu abafuna ukuthenga umshwalense okungenazinkinga.
Izici
- I-OneAssure inikezela ngezinhlobo ezimbili zezinhlelo zomshwalense wezempilo: inzuzo engaguquki kanye nenzuzo yembuyiselo, ehlanganisa ukutholakala kokugula okubucayi.
- Izinhlelo ezikhethiwe zenkampani ezikhethiwe ziyisici esivelele, esinokuxhumana okuncane nokufanelekile okwenziwe kuphela ngesikhathi esikhethiwe somsebenzisi.
- Ozakwethu be-OneAssure baqeqeshelwe ukuhlangabezana nezinkambiso Zelayisensi ye-IRDAI POSP, baqinisekise usizo lwekhwalithi kumakhasimende.
- Inkampani ibeka phambili inqubo engenamthungo ngaphandle kokuxhumana noma izikhala zenqubo, yonga amakhasimende isikhathi nemali.
- Usizo lwempilo yonke kanye nokukhokhelwa kwesimangalo ngaphandle kokuhlupheka nakho kuqinisekiswa yi-OneAssure.
- I-OneAssure inenqubomgomo yokukhokha esobala ukuze ikhuthaze ukwethemba umphakathi wayo wozakwethu.
- Uhlelo oluzayo lomshwalense weminyaka emisha seluqoqe amakhasimende ajabule angaphezu kuka-2000.
10. UmshwalenseDekho
I-InsuranceDekho, eyasungulwa ngo-2016 ngu-Ankit Agrawal kanye no-Ish Babbar, iyinkundla ye-inthanethi ehlukile etholakala eGurugram, eHaryana, evumela amakhasimende ukuthi aqhathanise izingcaphuno zomshwalense ezivela kumafemu omshwalense anezinga eliphezulu laseNdiya. Inkundla ihlinzeka ngezixazululo zomshwalense ezahlukahlukene, ezinjengomshwalense wezimoto, umshwalense webhayisikili, umshwalense wezempilo, kanye nomshwalense wempilo. Enye yezinzuzo eziyinhloko ze-InsuranceDekho idizayini yayo esebenziseka kalula kanye nenqubo yokukhishwa komshwalensi esheshayo, ethatha imizuzu emihlanu kuphela. Ngokusho kokubuyekezwa kwe-Google, i-InsuranceDekho inezilinganiso ezingu-4.4 futhi isingethe izimangalo ezingaphezu kuka-20,000. Ngaphezu kwalokho, abathengi bangase bakhokhe izinkokhelo zabo zomshwalense besebenzisa izindlela zokukhokha ezihlukahlukene njengamakhadi esikweletu, amakhadi okuthenga ngesikweletu, noma i-net banking.
Izici
- I-InsuranceDekho inikeza izinhlelo eziningi eziningi ezivela ezinkampanini zomshwalense wozakwethu abangama-30+.
- Amakhasimende athola indawo eyodwa yokuxhumana kuzo zonke izidingo zokusekela izimangalo.
- Ochwepheshe benkampani abaqinisekisiwe banikeza izeluleko eziqondene nawe ezithandwa ngamakhasimende.
- Ithimba labasekeli elizinikele litholakala izinsuku ezingu-7 ngeviki ukuze lisize nganoma yikuphi ukudideka.
- Amakhasimende angafinyelela izinqubomgomo ezidumile ezifana ne-Pradhan Mantri Suraksha Bima Yojana kanye ne-Rashtriya Swasth Bima Yojana.
- Inkundla inikeza isibali se-premium yomshwalense wezempilo ukuze uqhathanise inqubomgomo kalula.
- Amakhasimende angavuselela futhi alandelele izinqubomgomo kalula.
- Uhlelo lokusebenza futhi linikeza ukufinyelela ku-investimenti kanye nezindaba ezihlobene nomshwalense ukuze kube lula kubasebenzisi.
11. INDMoney
I-INDMoney iwuhlelo lokusebenza lwezezimali olukhulu oseluthole ukuduma ngokushesha kusukela yethulwa ngo-2017, lunabasebenzisi abangaphezu kwezigidi ezi-5. Inikeza inkundla ebanzi yokonga, ukuhlela, kanye nokutshala imali kuwo wonke amalungu omndeni. Uhlelo lokusebenza luhlinzeka ngezici eziningi, kuhlanganise ukutshala imali e-US Stocks kanye nokulandelela kanye nokuphathwa kweFinancial Life.
I-INDMoney isanda kungena emkhakheni wokweluleka ngomshwalense, inezigaba ezincane ezinhlanu, okuhlanganisa Umshwalense Wezempilo, Umshwalense Womlilo, Umshwalense Wokuhamba, Umshwalense Wezimoto, kanye Nomshwalense Wasekhaya. Ngokuhlukahluka kwezinsizakalo zayo kanye nesixhumi esibonakalayo esisebenziseka kalula, i-INDMoney iyisitolo esitobhile sazo zonke izidingo zakho zezezimali.
Izici
- Bangaphezu kuka-10,000 abantu ababoshelwa imali ezibhedlela ukuze bathole ukwelashwa okungenazinkinga.
- Isikhathi esifushane sokulinda seminyaka emi-2 ukuze kutholakale izifo ezivele zikhona.
- Izincomo zomkhiqizo ezenziwe zaba ngezakho ngokusekelwe ezidingweni nokuhlaziywa kwemigomo.
- Izingcingo ezingogaxekile azikho kanye nama-SMS ukugwema ukukhushulwa okungadingekile.
- Imodeli yentengo esobala engenazinkokhiso ezifihliwe noma izinkokhelo.
- Ukusekelwa kwezimangalo ukuqondisa abasebenzisi ngenqubo yezimangalo.
- 100% inkundla engachemile yezeluleko nezincomo ezingachemile.
- Zonke izinhlelo zomshwalense ziyatholakala ku-inthanethi ukuze zifinyeleleke kalula futhi zithengwe.
- U-95.2% wesicelo sokukhokhwa kwesicelo sokukhokhelwa okuthembekile.
12. Umshuwalense Wedijithi
Isekelwe e-Bengaluru, Karnataka, India, I-Digit Insurance ingumshwalense owaziwa kakhulu. Yakhiwe ngo-2017 nguKamesh Goyal futhi ithenjwa ngabathengi abangaphezu kwe-3 crore.
Ibhizinisi linikeza ukufinyelela okungenazinkinga ezinhlelweni zomshwalense ezihlukahlukene, okuhlanganisa umshwalense webhayisikili, umshwalense wezimoto ezithengiswayo, umshwalense wezimoto, umshwalense wezempilo, nomshwalense wokuhamba. Amakhasimende angazuza kuzinketho zokwelapha ezingenakheshi ngenxa yenethiwekhi yayo yezibhedlela ezingaphezu kuka-10,500.
Ngaphezu kwalokho, i-Digit Insurance inikeza izinzuzo zempilo ezifinyeleleka ngozakwethu bezempilo abangaphezu kwe-10. Inhlangano ihlinzeka ngezinhlelo zomshwalense wezempilo eziphelele ezifanele zonke izibalo zabantu, okuhlanganisa abantu abasha, imindeni, abadala, abasebenzi, abathanda ukuqina, nalabo abasesabelomali esiqinile.
Izici
- Indlela elula, engenamaphepha yokuthenga nokusebenzisa umshwalense wezempilo.
- Azikho izindleko zokukhokha ngokubambisana ngokweminyaka yobudala noma endaweni, azikho imingcele ekuqashweni kwegumbi, futhi asikho isidingo samakhophi ephepha ezimangalo.
- Ukufakwa okugcwele ngezimangalo ezingenamkhawulo nokusekelwa kwenani elinomshwalense.
- Ngokuhlangana nozakwethu abathembekile bezempilo nempilo enhle, uhlelo lokusebenza lweDijithi luhlinzeka ngezinzuzo ezikhethekile zempilo.
- Kubandakanya i-COVID-19 futhi ikhokhela zonke izindleko zokulaliswa esibhedlela ze-COVID-19, izifo, izingozi, nezifo eziyinhlekelele.
- Isikhathi sokulinda seminyaka emithathu sezifo esivele sikhona ngaphambili, ukungafakwa kwezindleko zokubeletha nezangemuva kokubeletha, kanye nokwenqatshelwa kokulaliswa esibhedlela ngaphandle kwencwadi kadokotela.
- Inikeza amakhasimende ukufinyelela komunye umshwalense, ofaka i-Aarogya Saneevini kanye Nomshuwalense Wezempilo Webhizinisi.
Isiphetho
Okokugcina, lezi zicelo eziphezulu ezingu-12 zomshwalense wezempilo e-India zinikeza isixazululo esilula, esisebenziseka kalula sokuvikela impilo yakho kanye nezezimali. Lezi zinhlelo zokusebenza zikukhavé ukuthi ufuna ukukhava ngokugcwele noma izinzuzo ezithile ezifanele izidingo zakho.
Ngokuxhumana okulula, ukusizwa kwamakhasimende okungu-24/7, nokucutshungulwa kwezicelo ngokushesha, ungase ube nokuthula kwengqondo ngokwazi ukuthi uvikelekile esimweni esiphuthumayo sezokwelapha.
Ngezici ezifana nokulaliswa esibhedlela okungenamali, izinzuzo zempilo, nezincomo zomkhiqizo ezingachemile, ungakwazi ukulawula impilo yakho futhi wenze izinqumo ezifundisiwe mayelana nokuhlinzekwa komshwalense wakho.
Ngakho-ke kungani ulinda?
Landa eyodwa yalezi zinhlelo zokusebenza ngokushesha futhi uqale ukuzivikela wena kanye nabathandekayo bakho!
shiya impendulo