Insurance no ka 'âlapa aʻo a me ka Competition

Me kekahi haʻuki hana no i kekahi mauʻano o ke kamepiula, loa 'âlapa makemake e enlist i ke kākoʻo o keʻano o ka lapaʻau poe. Ua Ua manaoio aku i keia mea he pono kaiapuni, hiki hoomalu aku i ke ola kino a me ke ola mau ipo 'oihana i pono like loa haʻuki. A no ka mea, he kaʻina o nā hana 'āinana apau, aole wale i ka hookahi' âlapa, akā, i holoʻokoʻa pūʻulu, eiiaiaeu. Pehea i ka lapaʻau o 'âlapa?

Ua ke kaʻina hana o ka muli o lapaʻau?

Ua Ua manaoio aku i ka lapaʻau - keia hihia conditionally ka naau mai. Currently, i ke kaʻina hana o ke ola lapaʻau o ka poe i komo i loko o haʻuki, He he OAXA koi '. A me keia pili i wale i ka 'oihana' âlapa, akā, no hoi i ka novice anal.

E like me ka poe akamai,ʻaʻole i kekahi e ae oe a me ke keiki me ke kulekele. Ma keia hihia, he ulia pakalaki i lapaʻau ( 'âlapa ole ipo) e hoʻopale ai i wale na nā mea hōʻoia o ka lapaʻau, akā, no hoi kuleana no ke aʻo ana i kā lākou poʻe kauwā.

No ka laʻana, i ka aʻo i loko o ka hale haʻuki ma luna o kou wāwae i kookoo, hina iho la au, a eha kona wawae. E like me ka hopena, oe i ke kuleana i ka gypsum, a me nā trainers paha nona o ke keena e pili ana i ka maluhia. Inā he mea he kulekele e hoʻoponopono i kēia pilikia e ia i ka lapaʻau poʻe. Ma ke ala, ua noho aliʻi Ua pili loko o ka Pekelala kānāwai "Ma muli o lapaʻau".

I kulanui i koi 'ia e hoopuka aku i ka kulekele?

E like me ke kānāwai, i ka hapanui o ka hoʻonaʻauao kulanui Pono e lawe mai lapaʻau o 'âlapa a mau hoaaloha. No ka mea, ua hoʻonaʻauao kulanui komo ole wale i nā haʻuki-oaio? A me ka pono a pau, akā, i pauku, i ka laau palau, eaaa?, Aʻo mau wahi i hoomoanaʻi, kula, ihe pahu a me na mea e ae. I ka Ia manawa elele o kēia mau papa hana e noa e dictate nā hua'ōlelo o ka uku kūkulu 'koi' ia no ka noi komo 'ana i ka hana.

He aha nō ka mea lapaʻau i ka 'âlapa?

A huina pau o nā kulekele no aeoaeuneiai 'âlapa a me ka' Oihana hiki ke maheleia i loko o ka penei ke ano:

• ola lapaʻau o 'âlapa;
• maluhia upena o ka ulia;
• aʻo (he ano o ke kumu i ka hoomakaukau aʻo kaʻina);
• 'oihana (reinsurance ma ka Competition, marathons a nā hanana).

Ma pōkole, ke 'ano o ka lapaʻau hilinaʻi nui ma luna o ka iliwai o ka hoomakaukau ia ana o ka haumāna a me keʻano o nā haʻuki.

He aha ka mea i pili i ke koi no ka OAXA kakau ana i ke kulekele?

Muli o lapaʻau o nā 'âlapa - he kaiapuni i ole compensate hiki wale no ka lilo o ka lapaau ana i ka luahi, akā, hiki, e uku aku i ka waiwai e lilo aku ke ola kaʻina. No ka laʻana, iloko o kekahi o na ihoiho o Pāʻani Holohau striker ike Lūkini hui loaa i ka puupuu nui a hiki i ka puck. E like me ka hopena, oia i lawe i ka haukapila. Akā, no ka mea ma mua i kona hoʻopaʻa waiwai ulia, ka lapaʻau uhi i ka lapaau a me ka hoʻopulapula koina.

Kahua e kōkua i ka insure a aeoaeuneiai 'âlapa, oiai workouts, i ka manawa, e uhi i ko lakou komo i loko o ke aʻo e hoʻomoana ai, ka hele ana. Eia hoʻi, ka mea, i nā koho i e ka mea hiki e insure i ka maluhia o ko lākou mau palapala, ka 'ikamu, na mea paahana,' ano apau loa. Me kā lākou kōkua, e hiki no hoi i ka piha kivila aie.

He aha nō ka nui haʻuki e pono ai i loko o ke kulekele?

Aia ka he kūikawā papa inoa o nā haʻuki i Komo kakau o ka muli o lapaʻau. Mau nā, no ka laʻana, ka hoe, acrobatics, aikido a me nāʻoihana kauaʻano likeʻole. Eia ka mea i hiki ke komo i ka ballroom hula, holo, basketball, nô hoʻi, biathlon, bodybuilding, maika a me na mea e ae.

He aha e ia i ke kulekele: Nā Koi

Ia oe, he keiki i ka hui i hoʻokomo i ka hana 'ole, koi lapaʻau. Eia naʻe,ʻaʻole mea e e hiki ke hele. Ua Ua manaoio aku i ka mea pono halawai kekahi mau koi. No ka laʻana, lapaʻau no ka 'âlapa aʻo ua hana ma luna o ka kūikawā ano o ka insurer. Ua Ua ana haawiia lāliʻi o ka hui a me he mea he pulu sila.

Ma mua o ke aʻo 'oe e pono e hoomakaukau i paiia a ua makaukauʻikepili. Mea pono e ike ke kēiaʻikepili:

• haumāna ua kauohaʻia wā i hāpai mua (piha inoa);
• ka helu a me ka makahiki o ka hanau ana;
• i ka wā o ka lapaʻau;
• pau lā;
• ano o physical aayoaeuiinoe (hola aʻo i loko o ka hale haʻuki, mokomoko);
• he paa ka helu o ka aelike.
• i ka nui o ka lapaʻau uku.

Details oʻaoʻao pale me ka nui o ka

uhi loa Next ia lapaʻau e ka holoʻokoʻa wā mai o ka manao aʻo. Inā ka lā hope mākau aʻo ua i kulana kupono (no ka laʻana, ua manaoia e komo i loko o kekahi mau Competition, ohi 'ia', aʻo kau), ke kulekele e ke i mai i ke koena. Ma keia hihia ia mea maikaʻi, e hana ia no ka makahiki.

Inā ua kamailio e pili ana i ke dala o ka lapaʻau, ka mea e e koho e like me kā lākou kālā uea 'a me na kuko. Akā, kekahi pono, e ike i ka mea i oi aku ka nui o ka lapaʻau, ke kiekie o ka manawa kūpono o ka uku. No keia kumu, ke ola a me ka lapaʻau ola o ka 'âlapa e halihaliia oia iwaho i ka i kā mākou nui.

He aha ka pilikia, e uhi?

Hoʻonaniʻia lapaʻau hiki i ke kēia mauʻano o nā hoʻohiki:

• ma luna o ka hanana o? aiaiiuie kīnā o ke kino;
• mai hiki kīnā o ke kino;
• ma ka hihia o unexpected make.

Ma kekahi, lapaʻau no ka 'âlapa aʻo a me ka Competition haawi i manawa e kiʻi 1-100% o ka palapala nui o ke kulekele ma luna o ka hanana o? Aiaiiuie hiki. Ma keia hihia, ua noʻonoʻo kēlā me kēia hihia kaawale. A ke kālā Ua nānā 'ia e like me ka maʻamau payoutʻaina.

Inā ua he ulia e alakai ai i ka ke kīnā, ka nui o ka uku, e oko a ma waena o 60-90% o ka lilo o ka lapaʻau. A me ka oi nui o ka poino o ka hoʻopaʻa waiwai kanaka, ka mea maluna o ka uku.

Ma ka hanana o ka make ana o ka aeoaeuneiai a 'oihana' âlapa insurer hana aku e uku 100% uku i ka hoahanau o ka mea i make. A no ke aha la oe e pono lapaʻau 'âlapa.

Mai ka kiko'î a hoʻoholo i ke kumu kūʻai?

Ke kāki o ka lapaʻau hilinaʻi nui ma luna o ke 'ano o ka haʻuki, i epa a me ka hoʻopaʻa waiwai kanaka. I ka lua o ka nui ololi ka heluna o ka uku, ua manaoia e ia o ka makahiki. No ka laʻana, ka mea hiki ke ĸokoĸa ana nä pane mai 18 a hiki i 65 makahiki. Ke kolu o ana - o ka uku ana i na kanaka i ua hoʻopaʻa waiwai.

He noteworthy i ka hookahi kulekele e loaʻa he 3-4 sport. No kekahi laʻana, ina e manao ke ola kino lapaʻau o 'âlapa, hoʻohuiʻia aʻo ma ka' auʻau 'ana a me ka hakoko. Ma pōkole, e like me ka hoʻokokoke mea pili no ka poe hoʻolalaʻo e kipa mau haʻuki i ka laau palau. Naʻe, ka mea, o ke kumukuai noonoo ana i ka huina komo i loko o nā haʻuki pilikino E pili ana i ole ala aloha ia kona waiwai. Ma keia hihia, e e auhauia na loa traumatic o ia.

I ka wā i puka mai hui lapaʻau?

He nui lapaʻau poe aia no he manawa kūpono e inoa, a pae nā kānāwai. Kēia AOAIAaOO He pono no ka poʻe i e hoʻoneʻe ai e komo i loko o ka hookahi ano o physical hana, no ka laʻana, ka hoe. A elue no ka manao o ka mea lapaʻau i ka mea i amateurs paha 'Oihana e pili ana i ka hookahi makahiki pae. ʻOiai o ka helu ana o kanaka ma ka pūʻulu hiki 30 poʻe i oi aku.

Loko Pehea nui?

Ka lapaʻau pilikino E pili ana hana i loko o ka Russian Hui. Keia pili i nā mea a pau hoʻonaʻauao kulanui. i koi hoʻonaniʻia lapaʻau man- akia, e lawe i nā haʻuki pauku a koʻikoʻi a hanohano. Inā 'oe makemake i keia rula ma ÿö i nā'āina, e e hou mai lapaʻau uhi' inikua lilo wale aku no.

Pehea e koke pili?

E hoolilo ana i lapaʻau no ka Competition, a aʻo mea hiki elua i loko o kanaka hele aku e ike i ka poe oihana a Pau online. He noteworthy i loko o ka lua o ka hihia, ka mea a pau kaʻina i ole oi aku 5-7 minuke. No ka ho omaulia i ka lilo o ke kulekele, e like me ka rula, ma ka punaewele o insurers ke hoʻohana i online no me ka m'kini helu. Laʻana o ka helu ana lapaʻau holo 'awelika hiki ke ike i ke kiʻi ma lalo nei.

Pehea ka hana i ka wa a ka hoʻopaʻa waiwai hanana?

Mua, oe pono e e mālie ia, aʻaʻole i ka panic. I ka lua o kaʻanuʻu e e OAXA, e hea aku i ka hotline, a hōʻike i ka hana 'ia. Inā ka poino ana, e noi ana kaʻenaʻena hospitalization, e hoomakaukau pilikino E pili (a hooku iho la ia ma kakau o ka palapala ahonui) a me ka noi aku i 'nā hoa hoike i ka hana' ana i ka lapaʻau huakai.

Next, oe e e ua hoʻomaopopo ma ka 'elele o ka poʻe, a e pokole hōʻike i ke kulana, ka hōʻike i ka aelike helu a me ka' ē aʻe pilikinoʻikepili no ka 'ike.