Makhe sibone i-kidnap kunye ne-inshurensi yokutshutshisa, kuquka oko kukuthi, kutheni abantu bekhathazeka ukutshala imali kuyo, kunye neenzuzo kunye nokungahlali kokuthenga umgaqo-nkqubo.
Yintoni i-Kidnap neNtengo yokuThengwa kwe-Intshurensi?
Kuphela kufuneka ufunde iindaba ukuqonda ingozi esele isebenza phantse naphi apha emhlabeni jikelele namhlanje. Ingaba uthanjwe ngamaproyilo olwandle, uthathwe ngabathengisi beziyobisi, okanye usebenza kwindawo ekhutshwe yimfazwe apho abantu abanomdla-mhlaba bafuna ukukhawuleza, isongelo siyinyani. I-Kidnap kunye ne-inshurensi yokutshatyalaliswa kwenkohlakalo inokuthengwa njengenxalenye yesikhokhethi se-inshorensi yenkampani okanye njengomgaqo-nkqubo wedwa wedwa. Umgaqo-nkqubo unokugubungela abasebenzi abangabodwa okanye abaninzi, abatshatileyo, amalungu omndeni, kunye neendwendwe.
I-Kidnap kunye ne-inshurensi yokutshatyalalisa inkohlakalo ihlala ihlawula imali yokuhlawula iintlawulo, inengozi yomntu, ukulahlekelwa yintlawulo yemali ngexesha lokunikezelwa, iindleko zokuhamba kunye nezonyango, kunye neendleko zokunyamekelwa kwabantwana ezihlobene nesiganeko. Ngokuxhomekeke kwenkampani yomshuwalense, imigaqo-nkqubo inokubandakanya umxumi-nxaxheba, iqela lokuphendula i-crisis, kunye neentlawulo zomvuzo kulabo abancedisayo ngokuvakalisa ulwazi malunga nabaphangi.
Ubungakanani buquka ukuhluka ukusuka kwinkampani ukuya kwinkampani kwaye kuxhomekeke kumgaqo-nkqubo ngokwawo.
Ngaba Ndimele Ndixhatyele Utyalo-mali kwi-K & R Policy?
Ukuba umsebenzi wakho uthabatha kwiindawo zehlabathi apho ukuthunjwa kunye nentlawulelo yinto eqhelekileyo, iinkqubo zomshuwalense ze-K & R zingalondoloza ubomi bakho. Nangona kunjalo, iinkampani ezininzi ze-inshorensi ziya kunika kuphela ukhuseleko ukuya kwisixa sempahla ekhoyo.
Oku kungabangela ingxaki ukuba awukho umntu ocebile kwaye ufuna ukuthenga umgaqo-nkqubo ngokwakho.
Ukuba uthunyelwa kwindawo enobungozi obuphezulu njengenxalenye yomsebenzi wakho, umqeshi wakho unokunika i-kidnap kunye nentlawulo yomshuwalense wokutshitshisa egameni lakho. Kule meko, impahla yeenkampani ithathwa ingqwalasela kunokuba ixabiso lomntu ngamnye.
I-Kidnap kunye ne-inshurensi yentlawulelo kaninzi ibonelela ngokuhlawulwa kwentlawulo yentlawulelo ngqo kumnini-nkqubo, kunokuba ihlawule ngqo labo baxanduva. Ukuba awunayo imali okanye izinto ezikhoyo, unokuphikelwa umgaqo we-K & R. Njengoko urhulumente waseUnited States akaxoxiswanga kunye namaphekula, ngaphandle komgaqo-nkqubo okanye imali ekhoyo, unokufumana kwisimo ongenakuphuma ngaso.
I-Pros ne-Cons ye-K & R nkqubo
Ngoxa ukubamba i-inshurensi yokutshitshiswa kunokukunika uxolo kwengqondo xa uhamba kwiindawo eziyingozi zehlabathi, iinkampani ezininzi ze-inshorensi zihlala zifuna indlela yokuphika ibango . Ukwenza izinto zibe zibi nakakhulu, iinkampani zomshuwalense zinokukhanyela intlawulo yentlawulelo ukuba umntu okanye umqeshwa uyazi nokuba umgaqo-nkqubo ukhona kwindawo yokuqala. Ekubeni abaninzi abaphangi abafuni ukuba amagunya okanye nabani na umntu abandakanyekayo, oku kungenza imeko ebi kakhulu.
Ukuthintela oku, abaqeshi banokubonelela ngokubhengezwa kwabasebenzi ngaphandle kokwenza ukuba bazi ukuba bahlanganisiwe. Nokuba uxoxe ngomgaqo-nkqubo we-K & R unokubangela ukuba ubhengezwe.
Ukuthintela ukulimala kakhulu nokufa kufuneka kube yinjongo enye kwinjongo yokuthenga umgaqo-nkqubo we-K & R. Ukuba iimfuno zomgaqo-nkqubo zilandelwa, ukubamba i-inshurensi kunye nokuhlawulela i-inshurensi yokutshitshiswa kungasetyenziselwa ukubuyiselwa kwenkampani okanye ngamnye umntu indleko yentlawulo yentlawulelo, unike inkxaso ngenkxaso yokubuyiswa kwabasebenzi, ukukhupha iindleko zonyango kunye neendlela zokuhamba kunye neenkonzo zokuxhasa ngokukhawuleza kweso siganeko.
Inkokhelo yokuxhamla i-Kidnap i-inshurensi ingaba sisixhobo esibalulekileyo ekuncedeni nasekubuyiseleni abantu abathunjiweyo nabasebenzi. Qinisekisa ukuba uhambelana nemimiselo yomgaqo-nkqubo wakho womshuwalense, okanye uthatha ithuba lokuvala umgaqo-nkqubo ngokupheleleyo.