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Insurance covers, scam or deal?

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Mshiiri, Jun 26, 2009.

  1. Mshiiri

    Mshiiri JF-Expert Member

    #1
    Jun 26, 2009
    Joined: Jun 16, 2008
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    Nimejaribu kutafuta sana maana nzima ya insurance na siipati kabisa. Sijawahi ona au kusikia jamii fulani hapa Tanzania au mtu fulani kapata kanufaika na bima hizi za mali. Labda tuwaulize ndugu zetu wanaounguliwa na ma-godown pengine wanajua means! Au pengine ni mimi sina elimu ya kutosha ya bima za mali na vyombo kama magari. Bima za afya na mifuko ya jamii kama NSSF ana PPF wao wako clear sana na utendaji wao na hii nawapa pongezi katika kukwamua Tanzania na lindi la umaskini. Kwa mdau anayejua kuhusu hizi insuarence za magari na mali anifahamishe au anijuze tafadhali. Kwa sababu mimi sioni why pay for insurance ambayo kulipana mpaka upigwe danadana na uishie kukata tamaa wakati polisi wanakubonyeza ulipe na kama umelipa katika ajali hawafanyi lolote na kama hujalipa moto utauona. Huu si wizi kweli? Watu wanapata ajali katika basi lakini huishia kusikojulikana wala hawa mabwana bima hawaonekani hata wakisema katika eneo la tukio. Hivi si wizi huu kweli?
     
  2. R

    REOLASTON Member

    #2
    Jun 26, 2009
    Joined: Feb 24, 2009
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    Tatizo ni kwamba watanzania walio wengi hatujui maana ya bima na ndio maana makampuni ya bima hapa nchini yanafaidika sana kwa hilo.
     
  3. Power to the People

    Power to the People JF-Expert Member

    #3
    Jun 30, 2009
    Joined: Jul 11, 2007
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    Insuarance companies za huku kwetu are here to rip us off. hata ukiwa una genuine claim mpaka uipata ni mbinde kwa kweli. Mi nimeshuhudia kijana mmoja aliyepata ajali akiwa kazini kwa bahati nzuri kampuni alikokuwa anafanya kazi had insured its employees. sasa claim ikapelekwa kijana na maumivu yake it took him 8 months kama sio zaidi ndio akapewa hiyo compansation. sasa you wonder kwa nini nikate bima ya kitu chochote kama usumbufu ni wa aina hii. na huu ni mfano mmoja ambao nimeushuhudia bado kuna ile unasikia huku na kule watu wakilalamika.
     
  4. Ngambo Ngali

    Ngambo Ngali JF-Expert Member

    #4
    Jun 30, 2009
    Joined: Apr 17, 2009
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    Unaweza kuigawa kwa sehemu mbili anayekata bima na mhanga. Mara nyingi watu waliokata bima wakienda kudai ni kasheshe letehiki kile etc ukishtuka miaka mitatu nxt barua inakuja we cant consider your claim sababu imepitwa na muda. Wakati mwingine unapeleka madai unaambiwa hee hukutoa taarifa ya ajali kwa kampuni ya bima katika muda unaotakiwa hivyo hustahili kulipwa. So ukipelekwa mapema unazungushwa mpaka muda wa kudai unakwisha ukichelewa ndo basi kabisa.

    Upande wa pili, waathirika ndo usiseme hawajui kama wana haki, fikiria katika daladala ni wangapi wanakuwa na tiketi valid. Wachache sana wakati huo ni ushahidi kuwa tarehe ya ajali ulikuwa kwenye basi. Watanzania wangapi wanajua kuwa wakiwa kwenye basi wanastahili kulipwa kukiwa na ajali, Wachache sana. Ikitokea ajali fomu lazima ijazwe na mwenye gari, ajali imetokea Mbeya mwenye basi yuko tanga huyu mtu anaweza kuafford kusafiri all the way kupata signature ili ipelekwe bima? Jee mwenye basi atafaidika nini endapo ataisaini ile fomu, kwani asiposaini hakuna wa kumlazimisha. Anyway factors ni nyingi unaweza andika mpaka kesho really it is a big problem for sure.
     
  5. N

    Nameless- Member

    #5
    Jun 30, 2009
    Joined: May 21, 2009
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    Hii ni kweli. Hata kwa wachache wanaojua maana ya bima na kuzinunua, wengi wao hawajali kusoma ile mikataba. Kwa hiyo anapopata janga ndo anaanza kuhangaika, ninachojua kila janga lina sera/mkataba wake na taratibu zake za kudai bima endapo limetokea hilo janga husika.

    Kuna uzembe na kuzungushwa ktk kudai bima lakini kuchelewa kwingine ni kujaribu kujiridhisha kwamba hakuna udanganyifu, kuna mtu anakata bima kampuni tofauti na anapeleka madai kote kote, kitu ambacho ni kinyume na taratibu za bima, pia kuna anayeunguliwa na gari kikweliii na yupo anayenyofoa spare kibao kisha akawasha kiberiti, bima haiwezi kulipa tu kwa vile umedai, lazima uchunguzi ufanyike.

    Wengine hawatofautishi bima na polisi, mfano unapotakiwa kupeleka taarifa za polisi, labda ajali/tukio au ukaguzi wa gari, wakati mwingine inachukua muda kuipata, hiyo nayo mtu anaona ni usumbufu wa bima, lakini siyo. Mara nyingi ukifanikiwa kupeleka nyaraka wanazozitaka, haichelewi kihivyo.

    Ushauri wangu ni kwamba tusomage sera/mkataba, na pia pale pale unaponunua bima, tupate kujua taratibu za madai.
     
  6. Mshiiri

    Mshiiri JF-Expert Member

    #6
    Sep 28, 2011
    Joined: Jun 16, 2008
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    Bait and switch most of the time all the time!
     
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