BIMA (INSURANCE): Uliza chochote kuhusu biashara ya Bima

M

mujunimunu

Member
Jan 27, 2011
10
1
Heshima mbele,

Natambua kuwa, JF kuna wataalamu na wenye uzoefu mbalimbali. Naomba ushauri namna ya kuanzisha biashara hii.

Natanguliza shukurani

MTAZAMO said:
Sawa ngoja nijaribu maana mimi si mtaalamu wa Bima ..ninaufahamu kidogo tu.......Insurance Company ndio anayebeba risk na linapotokea tatizo yeye ndio huwa yuko responsible moja kwa moja ........hizi Insurance Company pia huwa zinasaidiwa risk (kwa kiwango Fulani ) na Reinsurance Companies ambazo kazi yake ni kubeba risk kutoka kwenye Insurance Companies..........kwa Tanzania kutokana pengine na nature ya insurance business tuna Reinsurance Company moja tu ambayo ni ya Umma inaitwa TANRE .........

Insurance Companies wanafanya kazi na mawakala wao ambao ni 1) Insurance brokers 2) Insurance Agency ........tofauti ya insurance broker na agency ni kama ifuatavyo ......Insurance broker anapewa leseni ya kuruhusiwa kuhudumia Insurance Company zaidi ya moja .....while Insurance Agency unapewa leseni ya kuhudumia Insurance Company moja tu ..........ingawa baada ya miaka kadhaa insurance agency anaweza kuomba kuongeza Insurance company ila kuna limit ........hata masharti ya kuanzisha insurancy agency na insurance broker ni tofauti .......

Tanzania Insurance Regulatory Authority (TIRA) ndio mamlaka rasmi ya kusimamia BIMA hapa Tanzania na ndio wanaotoa hizi leseni.....kama kuna maelezo ya ziada kuhusu Bima website yao imetoa ufafanuzi wa kutosha kwa mambo mengi .........

Pamoja mimi binafsi kutokuwa mtaalamu wa Bima lakini kupitia BIMA nimegundua udhaifu mkubwa ktk Financial institution zetu zote kwa mfano......coordination ya mabenki na Bima ni ndogo sana ......kidogo walau siku hizi wameanza kushirikiana ............

Fikiria Kenya kuna Reinsurance zisizopungua tano while hapa ipo TANRE tu ambayo ni ya serikali .........Lakini pia kampuni nyingi za Bima (Insurance Company) zimetokea nje na za wazawa ni chache mno (sidhani kama zinazidi tatu) ........hapo utagundua tuna safari ndefu kufikia walipo wenzetu..........
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Unataka kuwa agent wa bima,Insurance broker au kuwa insurance company kabisa.....tuanzie hapo.....
 
mimi-soso said:
Mkuu mtazamo ungeanza na kutupa tofauti zake, hii elimu hata mimi naihitaji sana
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Sawa ngoja nijaribu maana mimi si mtaalamu wa Bima ..ninaufahamu kidogo tu.......Insurance Company ndio anayebeba risk na linapotokea tatizo yeye ndio huwa yuko responsible moja kwa moja ........hizi Insurance Company pia huwa zinasaidiwa risk (kwa kiwango Fulani ) na Reinsurance Companies ambazo kazi yake ni kubeba risk kutoka kwenye Insurance Companies..........kwa Tanzania kutokana pengine na nature ya insurance business tuna Reinsurance Company moja tu ambayo ni ya Umma inaitwa TANRE .........

Insurance Companies wanafanya kazi na mawakala wao ambao ni 1) Insurance brokers 2) Insurance Agency ........tofauti ya insurance broker na agency ni kama ifuatavyo ......Insurance broker anapewa leseni ya kuruhusiwa kuhudumia Insurance Company zaidi ya moja .....while Insurance Agency unapewa leseni ya kuhudumia Insurance Company moja tu ..........ingawa baada ya miaka kadhaa insurance agency anaweza kuomba kuongeza Insurance company ila kuna limit ........hata masharti ya kuanzisha insurancy agency na insurance broker ni tofauti .......

Tanzania Insurance Regulatory Authority (TIRA) ndio mamlaka rasmi ya kusimamia BIMA hapa Tanzania na ndio wanaotoa hizi leseni.....kama kuna maelezo ya ziada kuhusu Bima website yao imetoa ufafanuzi wa kutosha kwa mambo mengi .........

Pamoja mimi binafsi kutokuwa mtaalamu wa Bima lakini kupitia BIMA nimegundua udhaifu mkubwa ktk Financial institution zetu zote kwa mfano......coordination ya mabenki na Bima ni ndogo sana ......kidogo walau siku hizi wameanza kushirikiana ............

Fikiria Kenya kuna Reinsurance zisizopungua tano while hapa ipo TANRE tu ambayo ni ya serikali .........Lakini pia kampuni nyingi za Bima (Insurance Company) zimetokea nje na za wazawa ni chache mno (sidhani kama zinazidi tatu) ........hapo utagundua tuna safari ndefu kufikia walipo wenzetu..........
 
MTAZAMO said:
Sawa ngoja nijaribu maana mimi si mtaalamu wa Bima ..ninaufahamu kidogo tu.......Insurance Company ndio anayebeba risk na linapotokeatatizo yeye ndio huwa yuko responsible moja kwa moja ........hizi InsuranceCompany pia huwa zinasaidiwa risk (kwa kiwango Fulani ) na ReinsuranceCompanies ambazo kazi yake ni kubeba risk kutoka kwenye Insurance Companies..........kwa Tanzania kutokana pengine na nature ya insurance business tunaReinsurance Company moja tu ambayo ni ya Umma inaitwa TANRE .........

Insurance Companies wanafanya kazi na mawakala wao ambaoni 1) Insurance brokers 2) Insurance Agency ........tofauti ya insurance brokerna agency ni kama ifuatavyo ......Insurance broker anapewa leseni ya kuruhusiwakuhudumia Insurance Company zaidi ya moja .....while Insurance Agency unapewaleseni ya kuhudumia Insurance Company moja tu ..........ingawa baada ya miakakadhaa insurance agency anaweza kuomba kuongeza Insurance company ila kunalimit ........hata masharti ya kuanzisha insurancy agency na insurance brokerni tofauti .......

Tanzania Insurance Regulatory Authority (TIRA) ndiomamlaka rasmi ya kusimamia BIMA hapa Tanzania na ndio wanaotoa hizileseni.....kama kuna maelezo ya ziada kuhusu Bima website yao imetoa ufafanuziwa kutosha kwa mambo mengi .........

Pamoja mimi binafsi kutokuwa mtaalamu wa Bima (mimi nimtu wa Finance tu) lakini kupitia BIMA nimegundua udhaifu mkubwa ktk Financialinstitution zetu zote kwa mfano......coordination ya mabenki na Bima ni ndogosana ......kidogo walau siku hizi wameanza kushirikiana ............

Fikiria Kenya kuna Reinsurance zisizopungua tano whilehapa ipo TANRE tu ambayo ni ya serikali .........Lakini pia kampuni nyingi zaBima (Insurance Company) zimetoka nje na za wazawa ni chache mno (sidhani kamazinazidi tatu) ........hapo utagundua tuna safari ndefu kufikia walipo wenzetu..........
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Nasikia pia kuna Swissre as reinsurer
 
platozoom said:
Nasikia pia kuna Swissre as reinsurer
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Labda iwe taarifa mpya kabisa kwangu otherwise hapa Bongo ni TANRE tu mkuu.....tena hawa wanabebwa kwelikweli .....maana lazima kila insurance company ichangie asilimia 10 ya kila biashara wanayopata achilia mbali ule mgawanyo wa risk wa kawaida ............TANRE kwanza kwa kuwa pekee kwenye soko walistahili kujiendesha kibiashara bila kuhitaji msaada ..........Fatilia Reinsurers wa nchi za wenzetu zilivyo financially ......hata Mabenki hayanusi ......
 
MTAZAMO said:
Sawa ngoja nijaribu maana mimi si mtaalamu wa Bima ..ninaufahamu kidogo tu.......Insurance Company ndio anayebeba risk na linapotokea tatizo yeye ndio huwa yuko responsible moja kwa moja ........hizi Insurance Company pia huwa zinasaidiwa risk (kwa kiwango Fulani ) na Reinsurance Companies ambazo kazi yake ni kubeba risk kutoka kwenye Insurance Companies..........kwa Tanzania kutokana pengine na nature ya insurance business tuna Reinsurance Company moja tu ambayo ni ya Umma inaitwa TANRE .........

Insurance Companies wanafanya kazi na mawakala wao ambao ni 1) Insurance brokers 2) Insurance Agency ........tofauti ya insurance broker na agency ni kama ifuatavyo ......Insurance broker anapewa leseni ya kuruhusiwa kuhudumia Insurance Company zaidi ya moja .....while Insurance Agency unapewa leseni ya kuhudumia Insurance Company moja tu ..........ingawa baada ya miaka kadhaa insurance agency anaweza kuomba kuongeza Insurance company ila kuna limit ........hata masharti ya kuanzisha insurancy agency na insurance broker ni tofauti .......

Tanzania Insurance Regulatory Authority (TIRA) ndio mamlaka rasmi ya kusimamia BIMA hapa Tanzania na ndio wanaotoa hizi leseni.....kama kuna maelezo ya ziada kuhusu Bima website yao imetoa ufafanuzi wa kutosha kwa mambo mengi .........

Pamoja mimi binafsi kutokuwa mtaalamu wa Bima lakini kupitia BIMA nimegundua udhaifu mkubwa ktk Financial institution zetu zote kwa mfano......coordination ya mabenki na Bima ni ndogo sana ......kidogo walau siku hizi wameanza kushirikiana ............

Fikiria Kenya kuna Reinsurance zisizopungua tano while hapa ipo TANRE tu ambayo ni ya serikali .........Lakini pia kampuni nyingi za Bima (Insurance Company) zimetokea nje na za wazawa ni chache mno (sidhani kama zinazidi tatu) ........hapo utagundua tuna safari ndefu kufikia walipo wenzetu..........
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mkuu umeielezea vizuri sana insurance..binafsi nasoma hii bussiness na niko mwaka wa 2 sasa IFM hapa.insurance ni bussiness nzuri sana sema kwa Tanzania watu bado wanauelewa mdogo sana kwenye hii kitu..ila kwa huyu anaehitaji kuwa agent ingekuwa vema ungepata kwanza short course ambayo inatolewa for almost 3 months..then ndo utafute insurance company yeyote ili uwe agent..ni ajira nzur maana commission ndogo ndogo zitakuwa hazikupitii mbali..karibu sana kwenye insurance industry mkuu..
 
jem_the_great said:
mkuu umeielezea vizuri sana insurance..binafsi nasoma hii bussiness na niko mwaka wa 2 sasa IFM hapa.insurance ni bussiness nzuri sana sema kwa Tanzania watu bado wanauelewa mdogo sana kwenye hii kitu..ila kwa huyu anaehitaji kuwa agent ingekuwa vema ungepata kwanza short course ambayo inatolewa for almost 3 months..then ndo utafute insurance company yeyote ili uwe agent..ni ajira nzur maana commission ndogo ndogo zitakuwa hazikupitii mbali..karibu sana kwenye insurance industry mkuu..
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Asante mtaalamu kwa kuni certify......study hard uje kukomboa hili soko ......
 
MTAZAMO said:
Sawa ngoja nijaribu maana mimi si mtaalamu wa Bima ..ninaufahamu kidogo tu.......Insurance Company ndio anayebeba risk na linapotokea tatizo yeye ndio huwa yuko responsible moja kwa moja ........hizi Insurance Company pia huwa zinasaidiwa risk (kwa kiwango Fulani ) na Reinsurance Companies ambazo kazi yake ni kubeba risk kutoka kwenye Insurance Companies..........kwa Tanzania kutokana pengine na nature ya insurance business tuna Reinsurance Company moja tu ambayo ni ya Umma inaitwa TANRE .........

Insurance Companies wanafanya kazi na mawakala wao ambao ni 1) Insurance brokers 2) Insurance Agency ........tofauti ya insurance broker na agency ni kama ifuatavyo ......Insurance broker anapewa leseni ya kuruhusiwa kuhudumia Insurance Company zaidi ya moja .....while Insurance Agency unapewa leseni ya kuhudumia Insurance Company moja tu ..........ingawa baada ya miaka kadhaa insurance agency anaweza kuomba kuongeza Insurance company ila kuna limit ........hata masharti ya kuanzisha insurancy agency na insurance broker ni tofauti .......

Tanzania Insurance Regulatory Authority (TIRA) ndio mamlaka rasmi ya kusimamia BIMA hapa Tanzania na ndio wanaotoa hizi leseni.....kama kuna maelezo ya ziada kuhusu Bima website yao imetoa ufafanuzi wa kutosha kwa mambo mengi .........

Pamoja mimi binafsi kutokuwa mtaalamu wa Bima lakini kupitia BIMA nimegundua udhaifu mkubwa ktk Financial institution zetu zote kwa mfano......coordination ya mabenki na Bima ni ndogo sana ......kidogo walau siku hizi wameanza kushirikiana ............

Fikiria Kenya kuna Reinsurance zisizopungua tano while hapa ipo TANRE tu ambayo ni ya serikali .........Lakini pia kampuni nyingi za Bima (Insurance Company) zimetokea nje na za wazawa ni chache mno (sidhani kama zinazidi tatu) ........hapo utagunduaa tuna safari ndefu kufikia walipo wenzetu..........
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Asante kwa elimu hii, this is helpful
 
Elimu ya bima ni muhimu sana,natamani ingepewa kipaumbele sana katka elimu za juu iwe kama busnes math,yani kila mwanafunzi katka kila faculty waisome iwe course,maana kwa dunia ya kileo wahitimu wengi wanajiajiri,wanamiliki asset mbalmbal sasa kwa knowledge ya bima ni muhimu sana katka kila jambo
 
Nashukuru kwa kutudadavulia, lakini je kampuni za insurance zina ubora tofauti, kuna zinazo semekana hazilipi kwa wakati wakati inapotokea mteja kapata tatizo.

Swali langu: Je nikitaka kuwa Agent ni kampuni gani ina faa ili wateja wangu hata ikitokea tatizo wawe wanalipwa kwa uharaka? Kwa kifupi ni kmpuni gani iko Active katika ku insure risk zilizo jitokeza kwa agent wake?
 
Ndikusyaganya said:
Nashukuru kwa kutudadavulia, lakini je kampuni za insurance zina ubora tofauti, kuna zinazo semekana hazilipi kwa wakati wakati inapotokea mteja kapata tatizo.

Swali langu: Je nikitaka kuwa Agent ni kampuni gani ina faa ili wateja wangu hata ikitokea tatizo wawe wanalipwa kwa uharaka? Kwa kifupi ni kmpuni gani iko Active katika ku insure risk zilizo jitokeza kwa agent wake?
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following
 
jem_the_great said:
mkuu umeielezea vizuri sana insurance..binafsi nasoma hii bussiness na niko mwaka wa 2 sasa IFM hapa.insurance ni bussiness nzuri sana sema kwa Tanzania watu bado wanauelewa mdogo sana kwenye hii kitu..ila kwa huyu anaehitaji kuwa agent ingekuwa vema ungepata kwanza short course ambayo inatolewa for almost 3 months..then ndo utafute insurance company yeyote ili uwe agent..ni ajira nzur maana commission ndogo ndogo zitakuwa hazikupitii mbali..karibu sana kwenye insurance industry mkuu..
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Hiyo short course ya miezi mitatu inapatikana wapi?
 
Habari wana jamii forums,

Kumekuwa na maswali mengi kuhusiana na Bima (Insurance).

Thread hii itakuwa special kwa ajili ya kuuliza, kujibu, kujadili, kukosoa, kutoa maoni kuhusu Bima (Insurance).

Karibuni nyote.

N.B: Huu ni mjadala, ni ruksa kujibu maswali/ swali ambalo mwanajukwaa atauliza.
 
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