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Nahisi naibiwa, ni kweli?

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Haika, Oct 4, 2010.

  1. H

    Haika JF-Expert Member

    #1
    Oct 4, 2010
    Joined: Mar 3, 2008
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    Naomba kuuliza wataalamu WA BIMA,
    mie pamoja na mume wangu tumeajiriwa.
    mie nakwatwa bima ya afya kwa lazima, mume wangu pia anakwatwa bima ya afya kwa lazima, vilevile tunachangia mie NSSF na yeye PPF, magari yetu tumekatia bima tofauti, nyumba pia.
    sasa nauliza kama kuna uwezekano wa mtu/familia kuamua kuwa na bima moja, kucover maisha yao yote, sio kulazimika kuchangia kwa rejareja huduma moja moja ambayo sio matumizi mazuri ya kipato chetu kidogo.
    JE hakuna bima moja kubwa kwa mambo yote? ambayo tungeweka hio hela yote, ingetupa cover kubwa zaidi?
     
  2. C

    Consultant JF-Expert Member

    #2
    Oct 4, 2010
    Joined: Jun 15, 2008
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    Bima ya Afya nadhani inatofautiana kati ya shirika/kampuni moja na shirika/kampuni nyingine. Unaweza kuingia bima ya afya kwa options at least tatu:

    1. wewe pekee yako (mwajiriwa)

    2. Wewe na your spouse

    3. Wewe, your spouse na watoto wenu.....(sijui kama kuna limit).

    Kwa baadhi ya mashirika niliyofanya kazi mimi, ni lazima ujiunge kati ya hizo option tatu na kama hutaki, ni lazima uwaonyeshe proof ya bima nyingine uliyofanya. Yaani wanataa kuwa assured na afya yako siku ukipatwa na matatizo.

    Ushauri:
    Fuatilia ofisini kwako kwa HR au yeyote anayehusika na mambo hayo. Mwenzio pia afuatilie kwa upande wake. Hii kwamba unalazimishwa kuingia Bima ni kweli (as explained above) ila fuatilia ili uchague lilicho nafuu kwako maana unavyoingiza watu wengi ndivyo unavyochangia zaidi.
     
  3. H

    Haika JF-Expert Member

    #3
    Oct 5, 2010
    Joined: Mar 3, 2008
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    asante sana kwa kutupia jicho post hii, wakati watu wote macho yako kwenye siasa,
    familia yangu ina watu watano. baba na mama ndio tumeajiriwa, na tunachangia hizo ppf, nssf, AAR, Medex, na zote zina bima ya afya, uzazi, kifo nk.
    tukiwaona HR hatutasababisha matazizo manake HR wengine, huwa wanaona shida kufanya kazi nje ya mstari. (out of the box)
     
  4. E=mcsquared

    E=mcsquared JF-Expert Member

    #4
    Oct 5, 2010
    Joined: Apr 1, 2009
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    Haika;
    Ukishaonyesha proof kwamba una Bima nyingine inayoku-cover (mf ile ya mumeo) hulazimiki kuendelea na ile uliyonayo wewe, cover moja inawatosha, unless kama mnapenda muendelee kuwa nazo mbili,... but you will be over-covering yourselves, kitu ambacho siyo necessary!
     
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