Ke aneiai o Mānoa, o ka lapaʻau

Me ka evolution o huakūʻai-kala ana, kanaka i increasingly ma ka pono o ka hoomalu ana o ko lakou mau pomaikai a me ka waiwai, mai hiki contingencies, ina paha ia e maoli au i na ino a banal hale-hana ma ka kekahi aoao o kekahi me ke kuleana o ka aelike. ua ho'ākāka 'ia ke aneiai o Mānoa, o ka lapaʻau no laila, i, e hoomalu aku i na kanaka e ku e hiki ka pōʻino, a me ka kahua o ka hanana o ka hanana, e compensate no kā lākou mau poho.

Insurance market - ka nui ke keʻena o ka waiwai kuai, a ua kuai, a kuai lilo aku lapaʻau.

I mea e maopopo loa ana i ke ano o ka lapaʻau, e pono familiarize ia oe iho me ka nui o Beritania:

- ka insurer - he loio iʻahahui i i loaa ka laikini no ka lapaʻau hana o kaʻoihana. hiki ole ia poʻe komo i loko o huakūʻai brokerage, manufacturing, a me ka hui panakō hana;

- ka policyholder - loio iʻahahui a hiki ia kanaka, ma ka mana o na kanawai o ka Russian Hui i ka mea o ka pono, e ia i ka aoao o ka lapaʻau aelike a me ka lapaʻau uku hiki ke hāʻawi i ke kolu o ka aoao. Ma hope o ka hopena o ka aelike e e hoopuka i ka policyholders pilikino E pili ana certifies kā lākou kuleana ma keia hana;

- lapaʻau Agena - nat. a loio. kekahi kanaka i ho i ka pono o ka insurer, e olelo ana ma kona 'aoʻao. No kēia poʻe e uku ana ma keʻano o nā kauoha;

- lapaʻau poloka - he maoli paha loio i kanaka e hana me ka intermediary ma ka pili aloha ma waena o ka lapaʻau, akā, ma luna o kona mau 'aoʻao. He kaupaona i nā ke kuai keia, nâ rula, a me ka hoʻomōhala ai no kona nā mea mālama mai i ka mea maikaʻi loa lapaʻau polokalamu.

Ke aneiai o Mānoa, o ka lapaʻau ua kekahi i olelo ia i loko o kekahi mau hoailona ma i keia wahi o ka ha awina mea okoa, mai ka 'ē aʻe.

1. Aia i ka pilikia o ka hoʻopaʻa waiwai hanana, e like me ka hopena o i ke poho i, a laila ka mea, ua compensated.
2. Ua uhi ia ka pono no ke kino a me ka loio i kanaka i ka wā e hiki mai poino, i piha wale no keia hana, i kekahi Hōʻike 'o ka pā o ka lapaʻau.
3. Poho ua māhele i ka manawa.
4. A pau i ohi ia mobilized i loko o ka waiwai dala lapaʻau (ka uku nui loa) e hoʻi mai i loko o ka palapala o ka lapaʻau uku.

I waena o nā mea a pau, o ka waiwai i loko o ka lapaʻau ua hoikeia mai ma kekahi hana. Ua hoʻoholo ihola e līkaia risky, kāohi, makauliʻi a me ka hooponopono ana i hana '.

Ka papa kamepiula ka poʻea pau i ka redistribution o dala ma waena o ka lilo o ka lapaʻau i komo, keia mea aie a hiki i ka hoʻopaʻa waiwai kekahi hanana. Ia mea he nui helu o ka pilikia alakaʻi ai i ka ulu ana o na mea he nui kona mau lālā, a iiaciiie-na lala o ka lapaʻau.

Ke aʻoaʻo anei i mai i ka oiaio i ka hapa o na dala i loaa mai, mai na nā haʻawina i kauoha ia a hiki i ka Kāohiʻana o ka hoʻopaʻa waiwai kamepiula, kona ka ho'ēmiʻana a me ka hoʻopau.

Makauliʻi kuleana pili i ua ma muli o ka mea, ma ka mea e hoʻopale ai i poe kanaka, ka poe i hiki i ka kekahi nohona haʻahaʻa a me ka waiwai, mai hiki unforeseen lapaʻau ka pilikia.

Eia hoi, o ka papa ka mālamaʻana koi ikaika ka mālamaʻana o ka Pehea dala i hoolilo ia pale umauma hoʻokahi dala lapaʻau kālā.

Pela, ua hookolokolo aku la ia i kūpono ai ka pā like a me ka hana o ka lapaʻau. Ua koe e kahińuli kekahi kahe nui.

Insurance kālā - he ki manaʻo o ka lapaʻau - ka mea, 'o nā mea a pau i ke dala ua loaʻa ma ka uku nui loa e ka poe i loko o ka hana ana hooponopono ana o ka insurer. Kēia nā ka manaʻo o ka moku'āina hookoe puu dala (centralized moku'āina lapaʻau dala); ka insurer o ka puu dala; hookoe waihona o ka hana hale, i hanaʻia i loko o ke kaʻina hana o ka hoʻoponopono-lapaʻau.

No laila mākou i kii, i ka waiwai i loko o ka lapaʻau a me ka noʻonoʻo i ke kiʻiona hiʻona. I ho'ākāka 'ia ma ka papa kuhikuhiE nā mea hana keaka - insurers, insurers, nā poloka a me nā konohiki. Ua hiki e manao ia ka 'ano a me ka hana o ka lapaʻau ua pono e pili: ka papa loko mai o ka pā o ka lapaʻau a me kona manao.