Bima ya Maisha - Umuhimu na Uhalisia

[Logikos]

"Ndugu zako wanakupenda, kuwa kwako na Bima ya Maisha inaonyesha Unawajali Pia"
​

Umuhimu:
Maisha yamekuwa magumu na ya gharama sana, hata kitu kama kifo / mazishi /Misiba yamekuwa mzigo kwa familia na jamii na sababu ni jambo la ghafla unaweza ukakuta kifo chako kinawasumbua na kuwatia hasara na gharama watu wako wa karibu wanapokusitiri kwa kuanza kuchangishana na kutoana upepo.

Suluhisho:
Kumekuwa na hii biashara mpya ya Bima ya Maisha ambayo wanapewa vikundi, ni jambo jema sana. Huduma hizi zinatolewa na baadhi ya kampuni za Bima kwa kupitia mabenki tofauti. Jambo hili ni jema sana ambalo nashauri ndugu, familia katika vikundi vyao vya watu kuanzia kumi na kuendelea wajichange na kupata huduma hii sababu ni pesa ndogo na wanachopata kama mmoja wao akifariki au ndugu zake wa karibu wanaweza kupata hadi milioni kumi kwa gharama ya kuchangia chini ya elfu kumi kwa mwezi.

Tatizo:
Uelewa wa wengi je wanachokinunua au kukipata wanakifahamu, sababu kwa sasa mkienda kama kikundi moja ya kigezo ni kwamba mtu awe chini ya miaka 75, jambo ambalo ni sawa kwa mtoa huduma sababu risk ya wewe kufa baada ya miaka 75 ni kubwa.., ila tatizo lililopo kama mtu amekata BIMA hii tangia ana miaka 15 na anarenew kila mwaka akifikisha miaka 75 ukimkatalia hio itakuwa ni sahihi kulingana na aina ya Bima aliyochukua lakini je anaelewa kwamba aina aliyochukua ni ya term (muda mfupi) na sio Permanent (ya Maisha mpaka mtu akiacha kutoa Pesa au Akifa)

Aina za Bima ya Maisha:
Kuna aina mbili; Term na Permanent; Term ni kila baada ya muda fulani mnakaa na kurenew kwa terms mtakazokubaliana (nadhani nyingi wanazotoa hapa kwenye hivi vikundi ni Term) na kuna ile Permanent ambayo utalipwa kama mlivyokubaliana na mtaendelea na mkataba huo mpaka siku ukifa au ukiacha kulipia malipo mliyokubalina (kama mlikubaliana ulipe kila mwaka, mwezi n.k.)

Hitimisho:
Bima hii ni muhimu sana, hususan kama unajali watu wako wa karibu na hautaki wapate matatizo au kuingia kwenye gharama siku ukiondoka..., ila ni vyema watoa huduma wakawaelewesha watu kwamba huenda hii unayochukua ni term yaani ya muda. Yaani BIMA kwamba hautakufa kwa mwaka huu ila usipokufa mpaka unafikisha miaka 75 huenda wapendwa wako hawatakuwa covered kama ulivyodhani na itabidi wachangishane ili wapike ubwabwa siku wanakusindikiza.....​

 

[Nanren]

Insurance is a form of lottery. It is a form of betting. It is gambling. It is acceptable anyway... Ni utapeli uliokubalika.

 

[Bigmaaan]

Misiba sio mzigo kwa familia wala jamii ikiwa jamii mnaishi kama wanadamu na sio wanyama. Jamii zetu zina mifumo ya kijamii ambayo husaidia kipindi cha misiba mfano NZENGO. Tatizo ni pale tunapocomplicate mambo na kutaka Msiba uwe kama sherehe ya harusi.

 

[Logikos]

Insurance is a form of lottery. It is a form of betting. It is gambling. It is acceptable anyway... Ni utapeli uliokubalika.

Nope insurance ni kujikinga / kujitayarisha na inevitability i.e. safety net ni kitu muhimu sana...

Kwa Mpokea Huduma
Kwa anayeweka / anayechukua insurance ni kuhakikisha kwamba hatoki barabarani mfano bidhaa yako kwahio insurance ni cost of business isipotokea cha kutokea..., na kujikinga mfano ikitokea la kutokea mfano ajali au kuibiwa bodaboda yako; una uhakika wa kurudi barabarani na boda nyingine....

Kwa Mtoa Huduma
Its a numbers game mtoa huduma anajua kabisa haiwezekani asilimia 50 ya watu wapate shida kwa wakati mmoja hivyo anajua wapata shida wakipata atawalipa kutoka kwa ambao hawajapata shida na bado kubakia na chenji..., ndio maana natural disasters huwa are not covered (hapa siongelei kifo / maisha) bali mali sababu wangecover hizo pesa za kuwalipa wote isingepatikana as wengi kwa wakati mmoja wanapata shida...

 

[Logikos]

Misiba sio mzigo kwa familia wala jamii ikiwa jamii mnaishi kama wanadamu na sio wanyama. Jamii zetu zina mifumo ya kijamii ambayo husaidia kipindi cha misiba mfano NZENGO. Tatizo ni pale tunapocomplicate mambo na kutaka Msiba uwe kama sherehe ya harusi.

Nzengo inakusafirisha kutoka ulipo mpaka unapokwenda ? Kama ndivyo ni sawa ila nishaona mengi yanatokea nyie marafiki au wa karibu inabidi kuokoa jahazi.., sasa kuliko utake watu wa karibu yako waje kuokoa jahazi sio vibaya wewe kama wewe ukahakikisha inevitability yako haisumbui jahazi na sio lazima yote itumike kukuzika sio mbaya ikiwasaidia kununulia kachumvi hao wananzengo...,

 

[Trubarg]

Tatizo la bima lipo kwenye unapoclaim madai, Kujiunga huwa hainaga shida

 

[Logikos]

Tatizo la bima lipo kwenye unapoclaim madai, Kujiunga huwa hainaga shida

Kwa hii its good business kwao na nadhani watatoa / wanatoa baada ya kuhakikisha kifo hicho kimetokea (vibali n.k.) kwahio huenda itabidi utumie zako na baadae ndugu zako waende ili zirudishwe.... (Kwa wao kutokulipa itaharibu biashara yao which they make money)

Its good business for them na wanahitaji numbers ili iweze kufanya kazi kwenye vikundi vyote wanavyochukua wana uhakika kwa hesabu zao labda kwa mwaka only 10 percent dies..., kwahio wana uhakika wa kulipa watu wenye shida mpaka hizo 10m na bado kubakia na faida..., Ukizingatia wanakataa watu wa over 75 (ambao guarantee kubwa karibia wanakufa) hivyo numbers / maths is on their side...

 

[Nanren]

Nope insurance ni kujikinga / kujitayarisha na inevitability i.e. safety net ni kitu muhimu sana...

Kwa Mpokea Huduma
Kwa anayeweka / anayechukua insurance ni kuhakikisha kwamba hatoki barabarani mfano bidhaa yako kwahio insurance ni cost of business isipotokea cha kutokea..., na kujikinga mfano ikitokea la kutokea mfano ajali au kuibiwa bodaboda yako; una uhakika wa kurudi barabarani na boda nyingine....

Kwa Mtoa Huduma
Its a numbers game mtoa huduma anajua kabisa haiwezekani asilimia 50 ya watu wapate shida kwa wakati mmoja hivyo anajua wapata shida wakipata atawalipa kutoka kwa ambao hawajapata shida na bado kubakia na chenji..., ndio maana natural disasters huwa are not covered (hapa siongelei kifo / maisha) bali mali sababu wangecover hizo pesa za kuwalipa wote isingepatikana as wengi kwa wakati mmoja wanapata shida...

....let's just take a loose view on how company insurances work:
They need to win money, so they wouldn't insure something that is likely to bring loss to the company (losing money). Prices and prizes are valuable on insurance companies to know what kind of insurance they can sell you, usually they look at probabilities, use categories to look what is the risk you are involved and so on, exactly the same analysis a betting company need to know about any event that can happen to offer their client the ‘odds’ on a bet. I see no operational difference between insurance and betting companies.
The difference is only conceptual, its on our heads…

The big deal is that on the average persons mindset ‘insurance’ is something acceptable, and ‘gambling’ is something we take as bad.

Pombe mbaya lakini bia ni nzuri...

Hayo hapo yalioyoandikwa kwa kiingereza, nime copy kutoka quora.com

 

[Logikos]

....let's just take a loose view on how company insurances work:
They need to win money, so they wouldn't insure something that is likely to bring loss to the company (losing money). Prices and prizes are valuable on insurance companies to know what kind of insurance they can sell you, usually they look at probabilities, use categories to look what is the risk you are involved and so on, exactly the same analysis a betting company need to know about any event that can happen to offer their client the ‘odds’ on a bet. I see no operational difference between insurance and betting companies.
The difference is only conceptual, its on our heads…

The big deal is that on the average persons mindset ‘insurance’ is something acceptable, and ‘gambling’ is something we take as bad.

Pombe mbaya lakini bia ni nzuri...

Hayo hapo yalioyoandikwa kwa kiingereza, nime copy kutoka quora.com

Huyo aliyeandika hayo nadhani hajui concept nzima ya insurance; Bima ni numbers game...., nikupe mfano wa Bima ya Afya tuseme una watu wawili tu katika Bima ya Afya mmoja akiugua hio ni 50% percent na huenda ukatoa pesa ya yule ambaye hakuugua ukampa huyu, pia kuna possibility wote wakaugua hivyo ukajikuta wewe kama kampuni unaingia hasara... Lakini tuseme una watu 10,000 nina uhakika ni vigumu sana watu 5000 kuugua kwa wakati mmoja tena huenda wameshapiga hesabu na kuona kwamba ni kama 10% wanaougua kwahio hapo utaona wao wanapata faida na nyie huku mnachangiana kila shida ikitokea...

Na wewe kama individual haujui kama utaugua au hautaugua au lini utaugua na kama ukiugua je hio pesa utakuwa nayo? Kwahio sababu haujui kama wewe utakuwa kati ya wale 10 percent hivyo ni vyema ukatoa ulichonacho kidogo ili ukiwa kati ya wale wachache uweze kutibiwa kuliko usingetoa, usingepata matibabu (you could not afford it)

 

[Bechede]

Tuwekee mfano wa masharti ya hizo bima. Maana ukishajiunga shida ni baada ya kusomewa masharti ndio unajua uliingia chaka toka day 1 unasaini.

 

[DeepPond]

Bima ya maisha ni kujitafutia Sababu ya kuuwawa na mwenza wako, ulaya inawatesa

 

[DeepPond]

Wanufaika wako wakishajua ukishakufa Kuna mzigo utaingia kupitia wao, maisha yakiwaenda kombo hawakawii kukuondoa Kabla ya siku zako.

Bima ya maisha imevunja ndoa nyingi Sana, mkeo anakufyeka bima wanamlipa anaenda kula bata na kimarioo. Chake wee ukiozea mavumbini

 

[Nanren]

Huyo aliyeandika hayo nadhani hajui concept nzima ya insurance; Bima ni numbers game...., nikupe mfano wa Bima ya Afya tuseme una watu wawili tu katika Bima ya Afya mmoja akiugua hio ni 50% percent na huenda ukatoa pesa ya yule ambaye hakuugua ukampa huyu, pia kuna possibility wote wakaugua hivyo ukajikuta wewe kama kampuni unaingia hasara... Lakini tuseme una watu 10,000 nina uhakika ni vigumu sana watu 5000 kuugua kwa wakati mmoja tena huenda wameshapiga hesabu na kuona kwamba ni kama 10% wanaougua kwahio hapo utaona wao wanapata faida na nyie huku mnachangiana kila shida ikitokea...

Na wewe kama individual haujui kama utaugua au hautaugua au lini utaugua na kama ukiugua je hio pesa utakuwa nayo? Kwahio sababu haujui kama wewe utakuwa kati ya wale 10 percent hivyo ni vyema ukatoa ulichonacho kidogo ili ukiwa kati ya wale wachache uweze kutibiwa kuliko usingetoa, usingepata matibabu (you could not afford it)

Ulichoaandika ndio hicho hicho kinachoamaanisha kuwa insurance is a form of gambling.

 

[Logikos]

Wanufaika wako wakishajua ukishakufa Kuna mzigo utaingia kupitia wao, maisha yakiwaenda kombo hawakawii kukuondoa Kabla ya siku zako.

Bima ya maisha imevunja ndoa nyingi Sana, mkeo anakufyeka bima wanamlipa anaenda kula bata na kimarioo. Chake wee ukiozea mavumbini

Hizo ni Bima za maisha za wenye pesa ambazo wakifa wanapata matrilioni hapa naongelea za kina Pwagu na Pwaguzi za kutoa not more than 10K na ukifa unapata not more than 10m sanasana hio itafekwa na gharama za hapa na pale za matanga na bado ndugu zako kutoboka mifuko ili kukuweka sawa (inatemegea umefia wapi kama unahitaji kusafirishwa au matibabu yako yaliwaweka ndugu zako kwenye madeni)

In short kwa jamii zetu kifo cha wengi ni mzigo kwa waliobakie na insuarance zenye high premium mpaka uje ulipwe inafanyika investigation ya kufa mtu kwahio kama amaount sio nyingi its not worth it kucheza faulo

 

[Logikos]

Tuwekee mfano wa masharti ya hizo bima. Maana ukishajiunga shida ni baada ya kusomewa masharti ndio unajua uliingia chaka toka day 1 unasaini.

Sharti moja ambalo wengi nadhani wanaingia bila kujua wanaweza wakadhani hizi bima za vikundi ni permanent ila kumbe ni term (yaani unatoa elfu lets say chini ya elfu kumi kwa mwaka) ili wewe ukifa upewe 10m wazazi chini ya 90 1m watoto mke n.k. ila ni kwamba msiba utokee ndani ya mwaka huo husika mwaka unaoufuata ni mkataba mwingine na kama una 75 years mwaka kesho watakukataa au utakuwa ni mkataba tofuati wenye premiums kubwa....

 

[Logikos]

Ulichoaandika ndio hicho hicho kinachoamaanisha kuwa insurance is a form of gambling.

Sasa tukija kwenye technicalities naweza kukwambia kila kitu ni gambling...., ila sasa naweza kusema wewe ambaye hujawekea gari lako BIMA ndio unacheza kamari taking risky action in the hope of a desired result. Yaani unaona labda kutoa laki na ushee kwenye gari lako ni gharama kwa mwaka kwahio kila siku unacheza na odds kwamba traffic asikushike au usipate ajali (now what are the odds) hapo ndio utajua kama ni pata potea au wise decision....

 

[FRANCIS DA DON]

Uiiangalia channel ya ID ya DSTV utagumdua mauaji mengi wa wanafamilia husababishwa na ‘Life insurance’.

Mbona husemi kwamba unaweza kuuwawa na beneficiary?

 

[raraa reree]

Binadamu wa sahv tunaishi kwa uoga uoga sana

 

[Logikos]

Wanufaika wako wakishajua ukishakufa Kuna mzigo utaingia kupitia wao, maisha yakiwaenda kombo hawakawii kukuondoa Kabla ya siku zako.

Bima ya maisha imevunja ndoa nyingi Sana, mkeo anakufyeka bima wanamlipa anaenda kula bata na kimarioo. Chake wee ukiozea mavumbini

@FRANCIS DA DON
Uiiangalia channel ya ID ya DSTV utagumdua mauaji mengi wa wanafamilia husababishwa na ‘Life insurance’.

Mbona husemi kwamba unaweza kuuwawa na beneficiary?

Hapa ni bora tuongelee kwa mifano halisi wana ndugu au marafiki tuseme mpo kumi au ishirini mnachukua hizi BIMA za vikundi Nishike Mkono et al..., Nadhani akifa mzazi not more than 90 years mnapewa 1m akifa mtoto/ mke wa mwanachama labda mnapewa 3m akifa mshikaji wenu mnapewa 10M

Sasa nyie washikaji ishirini mkimuua huyu mshikaji wenu ili 10m ipatikane ambayo baadhi itatumika kwenye shughuli za matanga ili mgawane less than laki tano each au ? Alafu kumbuka hata msipotoa lazima huyo mshikaji wenu akifa muanze kuangalia savings zenu ili muweke mambo sawa kwenye msiba (Kwahio kwa jicho lingine badala ya kuanza kupigana donation kwamba bado ngapi ili jamaa tumpeleke kijijini kwao au magari ya usafiri mnakuwa mnajua kwamba this is covered)