Sigurimet kan\u00eb nj\u00eb mision: ato mbulojn\u00eb vet\u00ebm d\u00ebmet q\u00eb ndodhin pas lidhjes s\u00eb kontrat\u00ebs dhe pages\u00ebs s\u00eb primit.<\/p>\n
Ato nuk mund t\u00eb mbulojn\u00eb ngjarje q\u00eb kan\u00eb ndodhur m\u00eb par\u00eb, as d\u00ebme t\u00eb krijuara p\u00ebrpara momentit t\u00eb sigurimit. Sigurimi \u00ebsht\u00eb nj\u00eb marr\u00ebveshje dhe si e till\u00eb ka detyrimet p\u00ebr pal\u00ebt, t\u00eb siguruarin dhe siguruesin .<\/p>\n
N\u00eb thelb, sigurimet rikuperojn\u00eb financiarisht d\u00ebmet sipas kushteve t\u00eb kontrat\u00ebs, gjithmon\u00eb n\u00eb p\u00ebrputhje me legjislacionin dhe rregullat e Autoritetit t\u00eb Mbik\u00ebqyrjes.<\/p>\n
Koha thelb\u00ebsore<\/strong><\/p>\n Koha n\u00eb sigurim \u00ebsht\u00eb thelb\u00ebsore. Prandaj \u00ebsht\u00eb shum\u00eb e r\u00ebnd\u00ebsishme q\u00eb sigurimi t\u00eb filloj\u00eb n\u00eb koh\u00ebn e duhur: sapo blejm\u00eb nj\u00eb makin\u00eb, sapo blejm\u00eb nj\u00eb apartament, sapo nd\u00ebrtojm\u00eb nj\u00eb sht\u00ebpi apo nj\u00eb fabrik\u00eb. P\u00ebr sigurimet duhet menduar n\u00eb mosh\u00eb t\u00eb re, ve\u00e7an\u00ebrisht p\u00ebr sigurimet e jet\u00ebs dhe t\u00eb sh\u00ebndetit. Sigurimi ka edhe afatet e tij, at\u00eb t\u00eb aktivizimit t\u00eb polic\u00ebs dhe t\u00eb skadimit t\u00eb saj. K\u00ebto shprehen qart\u00eb n\u00eb kontratat e marrjes n\u00eb sigurim.<\/p>\n Sa m\u00eb her\u00ebt t\u00eb filloj\u00eb sigurimi, aq m\u00eb e fort\u00eb dhe m\u00eb e q\u00ebndrueshme b\u00ebhet historia juaj e sigurimit. Nj\u00eb histori e pand\u00ebrprer\u00eb i jep siguri klientit dhe besim kompanis\u00eb. Historiku i q\u00ebndruesh\u00ebm dhe i besuesh\u00ebm me kompanin\u00eb shkurton at\u00eb q\u00eb njihet si periudha e pritjes kur hyn n\u00eb fuqi mbulimi i parashikuar n\u00eb rast d\u00ebmi nga kontrata e sigurimit (n\u00eb rastet e sigurimeve t\u00eb sh\u00ebndetit).<\/p>\n Kuptimi i kontrat\u00ebs siguruese<\/strong><\/p>\n N\u00eb praktik\u00eb, nga klient\u00ebt shpesh kemi par\u00eb t\u00eb ngrihen pritshm\u00ebri q\u00eb nuk p\u00ebrputhen me parimet baz\u00eb t\u00eb sigurimit, as me germ\u00ebn dhe as me frym\u00ebn e kushteve t\u00eb kontrat\u00ebs s\u00eb n\u00ebnshkruar mes pal\u00ebve.<\/p>\n Th\u00ebn\u00eb me fjal\u00eb t\u00eb thjeshta, ndodh q\u00eb klient\u00ebt t\u00eb japin p\u00eblqimin e tyre p\u00ebr p\u00ebrfitimet, por u shmangen kushteve dhe detyrimeve. Mir\u00ebpo baza e \u00e7do kontrate dhe marrja n\u00eb sigurim \u00ebsht\u00eb nj\u00eb kontrat\u00eb, n\u00ebnkupton marrjen p\u00ebrsip\u00ebr n\u00eb m\u00ebnyr\u00eb t\u00eb nj\u00ebhershme p\u00ebr disa t\u00eb drejta dhe disa p\u00ebrgjegj\u00ebsi.<\/p>\n Kategorit\u00eb e v\u00ebrejtura nga praktika<\/strong><\/p>\n N\u00eb praktik\u00eb jan\u00eb v\u00ebrejtur edhe persona q\u00eb:<\/p>\n d\u00ebshirojn\u00eb mbulim sigurimi, por i shmangen k\u00ebrkes\u00ebs p\u00ebr t\u00eb plot\u00ebsuar pyet\u00ebsor\u00ebt paraprak\u00eb t\u00eb marrjes n\u00eb sigurim; Raste t\u00eb ndryshme nga praktika<\/strong><\/p>\n Nj\u00eb sigurim sh\u00ebndeti n\u00eb udh\u00ebtim, si\u00e7 e v\u00ebrejm\u00eb shpesh, nuk e mbulon nj\u00eb operacion 20\u201330\u201340\u2013100 mij\u00eb euro. Mjafton t\u00eb lexohet kontrata e sigurimit me kujdes. Mjafton t\u00eb lexohen kushtet e produktit me kujdes. Askund sigurimi sh\u00ebndet\u00ebsor n\u00eb udh\u00ebtim nuk e kap\u00ebrcen k\u00ebt\u00eb lloj mbulimi. P\u00ebr m\u00eb tep\u00ebr, ekzistojn\u00eb produkte t\u00eb tjera: sigurimet sh\u00ebndet\u00ebsore, kartat \u201cGold\u201d q\u00eb shkojn\u00eb deri n\u00eb 1 milion euro mbulim, si dhe ato q\u00eb ofrojn\u00eb mbulim p\u00ebr s\u00ebmundje t\u00eb r\u00ebnda. Sigurisht, \u00e7mimet e tyre jan\u00eb m\u00eb t\u00eb larta. T\u00eb k\u00ebrkosh nd\u00ebrhyrje kirurgjikale q\u00eb kushtojn\u00eb mij\u00ebra euro me nj\u00eb sigurim 5 euro, q\u00eb parashikon vet\u00ebm emergjenca ambulatore, \u00ebsht\u00eb sa jologjike, aq edhe moskuptim i m\u00ebnyr\u00ebs se si funksionojn\u00eb sigurimet.<\/p>\n Me nj\u00eb sigurim sht\u00ebpie baz\u00eb nga zjarri, nuk mund t\u00eb pres\u00ebsh mbulim nga \u00e7do d\u00ebm q\u00eb i vjen sht\u00ebpis\u00eb tuaj: ai sigurim nuk e mbulon t\u00ebrmetin dhe p\u00ebrmbytjen, n\u00ebse klienti nuk i k\u00ebrkon dhe nuk i aktivizon ato si mbulime shtes\u00eb.<\/p>\n Nj\u00eb sigurim i shum\u00ebs s\u00eb detyrimit si kredi ndaj bank\u00ebs, n\u00eb rast d\u00ebmi do t\u00eb shlyej\u00eb vet\u00ebm vler\u00ebn e detyrimit ndaj bank\u00ebs. Duhet nj\u00eb sigurim shtes\u00eb p\u00ebr t\u00eb p\u00ebfituar vler\u00ebn e plot\u00eb t\u00eb d\u00ebmit q\u00eb mund t\u00eb p\u00ebsoj\u00eb banesa juaj e l\u00ebn\u00eb si barr\u00eb hipotekore (kolateral).<\/p>\n Nj\u00eb sigurim TPL mbulon d\u00ebmet materiale dhe jomateriale ndaj pal\u00ebve t\u00eb treta, por kompania e sigurimeve g\u00ebzon t\u00eb drejt\u00ebn ligjore t\u2019i k\u00ebrkoj\u00eb mbrapsht vler\u00ebn e d\u00ebmit shkaktarit t\u00eb aksidentit n\u00ebse ai \u00ebsht\u00eb n\u00eb shkelje t\u00eb ndonjerit prej 6 kushteve t\u00eb parashikuara n\u00eb nenin 23 t\u00eb ligjit 32\/2021.<\/p>\n Nj\u00eb dosje e raportimit t\u00eb d\u00ebmit, ligj\u00ebrisht, si kudo tjet\u00ebr n\u00eb Bot\u00eb ku kontratat jan\u00eb ligjore, nuk mund t\u00eb p\u00ebrfitoj\u00eb d\u00ebmshp\u00ebrblimin pa qen\u00eb e plot\u00ebsuar me t\u00eb gjith\u00eb dokumentacionin e nevojsh\u00ebm.<\/p>\n Produktet kan\u00eb kushtet, specifikat dhe p\u00ebrjashtimet e tyre. N\u00eb faqet zyrtare t\u00eb kompanive, s\u00eb bashku me \u00e7do produkt, publikohen edhe kushtet e marrjes n\u00eb sigurim si dhe termat e produktit t\u00eb sigurimit.<\/p>\n Jo t\u00eb gjith\u00eb nuk informohen<\/p>\n K\u00ebto kushte duhet t\u00eb studiohen nga klienti; p\u00ebrfaq\u00ebsuesit e kompanis\u00eb jan\u00eb aty p\u00ebr t\u2019iu p\u00ebrgjigjur paqart\u00ebsive. \u00c7do kompani kur n\u00ebnshkruan nj\u00eb kontrat\u00eb sigurimi merr t\u00eb mir\u00ebqen\u00eb se hapi i par\u00eb q\u00eb klienti ka b\u00ebr\u00eb \u00ebsht\u00eb pik\u00ebrisht studimi i k\u00ebtyre kushteve, t\u00eb drejtave (p\u00ebrfitimeve) dhe detyrimeve (kushteve p\u00ebr t\u2019u plot\u00ebsuar).<\/p>\n Sigurisht, k\u00ebtu duam t\u00eb shtojm\u00eb se jo t\u00eb gjith\u00eb jan\u00eb t\u00eb painformuar. Nj\u00eb segment i caktuar, nisen q\u00eb n\u00eb fillim me iden\u00eb p\u00ebr t\u00eb p\u00ebrfituar jasht\u00eb asaj q\u00eb kontrata e sigurimit parashikon, p\u00ebr t\u00eb p\u00ebrfituar n\u00eb m\u00ebnyr\u00eb jokorrekte nj\u00eb mbulim, q\u00eb nuk u takon dhe p\u00ebr t\u00eb cilin nuk \u00ebsht\u00eb n\u00ebnshkruar kontrat\u00eb. Kjo, p\u00ebrve\u00e7se jokorrekte, \u00ebsht\u00eb edhe e paligjshme. Mashtrimi n\u00eb sigurime \u00ebsht\u00eb vep\u00ebr penale e parashikuar n\u00eb Kodin Penal t\u00eb Republik\u00ebs s\u00eb Shqip\u00ebris\u00eb.<\/p>\n Sigurimi \u00ebsht\u00eb nj\u00eb marr\u00ebveshje besimi dhe p\u00ebrgjegj\u00ebsie e nd\u00ebrsjell\u00eb. Ai funksionon mbi parimin e drejt\u00ebsis\u00eb, transparenc\u00ebs dhe menaxhimit t\u00eb rrezikut. Sigurimet nuk t\u00eb b\u00ebjn\u00eb t\u00eb pasur; ato t\u00eb mbrojn\u00eb q\u00eb t\u00eb mos humbas\u00ebsh gjith\u00e7ka dhe do t\u00eb jen\u00eb pran\u00eb kur m\u00eb s\u00eb shumti ke nevoj\u00eb, pas nj\u00eb d\u00ebmi. Sigurimet kan\u00eb nj\u00eb mision: ato mbulojn\u00eb vet\u00ebm d\u00ebmet q\u00eb ndodhin pas lidhjes s\u00eb kontrat\u00ebs dhe pages\u00ebs s\u00eb primit. Ato nuk mund t\u00eb mbulojn\u00eb ngjarje q\u00eb kan\u00eb ndodhur m\u00eb par\u00eb, as d\u00ebme t\u00eb krijuara p\u00ebrpara momentit t\u00eb sigurimit. Sigurimi \u00ebsht\u00eb nj\u00eb marr\u00ebveshje dhe si e till\u00eb ka detyrimet p\u00ebr pal\u00ebt, t\u00eb siguruarin dhe siguruesin . N\u00eb …<\/p>\n","protected":false},"author":4,"featured_media":141146,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[],"class_list":["post-141145","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/141145","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/comments?post=141145"}],"version-history":[{"count":1,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/141145\/revisions"}],"predecessor-version":[{"id":141147,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/141145\/revisions\/141147"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media\/141146"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=141145"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=141145"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=141145"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\npersona t\u00eb tjer\u00eb q\u00eb d\u00ebshirojn\u00eb mbulim, por vet\u00ebm pasi kan\u00eb konstatuar se jan\u00eb tashm\u00eb t\u00eb s\u00ebmur\u00eb;
\nd\u00ebshirojn\u00eb mbulim, por pa e paguar n\u00eb m\u00ebnyr\u00eb t\u00eb rregullt dhe pa e riaktivizuar n\u00eb koh\u00ebn e duhur kontrat\u00ebn e tyre t\u00eb sigurimit;
\nd\u00ebshirojn\u00eb mbulim pa koh\u00eb pritjeje dhe pa kushte t\u00eb plot\u00ebsuara, edhe pse e din\u00eb se sa i r\u00ebnd\u00ebsish\u00ebm \u00ebsht\u00eb historiku i klient\u00ebve n\u00eb nj\u00eb marr\u00ebdh\u00ebnie besimi;
\nd\u00ebshirojn\u00eb mbulim por nuk e plot\u00ebsojn\u00eb me sakt\u00ebsi dhe p\u00ebrpik\u00ebri dosjen e raportimit t\u00eb d\u00ebmit, e shprehur qart\u00eb n\u00eb kushtet e kontrat\u00ebs;
\nngren\u00eb pritshm\u00ebri mbulimi, q\u00eb synojn\u00eb mbrojtjet m\u00eb maksimale, kufijt\u00eb m\u00eb t\u00eb lart\u00eb t\u00eb mbulimit, me kostot m\u00eb minimale (jasht\u00eb \u00e7do logjike dhe n\u00eb mosp\u00ebrputhje me kontratat e n\u00ebnshkruara).<\/p>\n
\n\/Marr\u00eb nga Sigurime.Online<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"