Msiba wa wanahabari Azam na Life Insurance kazini Tanzania

[Kiranga]

Nimesikitishwa sana na msiba uliotokea kwa ajali ya gari Julai 8 2019 iliyochukua maisha ya wafanyakazi wa Azam watano na madereva wawili huko Shelui Singida, wakielekea Chato kikazi.

Inasikitisha zaidi kwa kuwa marehemu walikuwa vijana wadogo wanaoanza kujipatia umahiri kazini na kujenga familia zao na taifa. Nimeona, kwa mujibu wa maombolezo yaliyorushwa na Azam TV mitandaoni, kama nakumbuka vizuri, vijana wote wamezaliwa miaka ya 1980s, mmoja kazaliwa 1980 na wengine 1989 nafikiri. Kwa hiyo wengi wamefariki na miaka takriban 30, ambayo kwa mategemeo ya kuishi (life expectancy) ya dunia ya leo ni midogo sana. Nchi kama Japan watu wamefikisha mategemeo ya kuishi takriban miaka 84.

Kuna mengi ya kuwekea mkazo, habari za usalama barabarani ni moja naliona la muhimu. Wenyewe kuheshimu thamani ya maisha na kukemeana tunapoona thamani hii inashushwa ni jambo lingine.

Lakini pia, mengine hayaepukiki. Sasa haya nayo tumejipanga vipi? Kutakuwa na ajali zinazotokea kazini, watu watafariki kutokana na ajali hizi, hata tukiwa waangalifu vipi. Sasa tunajipanga vipi kusaidiana ikiwa hilo litatokea?

Nimesikia Azam imetoa rambirambi za shilingi milioni moja kwa mfanyakazi mmoja kupitia matangazo ya mtandaoni. Kwanza nataka kuishukuru Azam kwa kuweza kutusitiri kufanikisha mazishi.Bila shaka kuna gharama nyingi zimetumika kusafirisha miili na kufanya logistics nyingine mpaka mazishi yakafanikiwa

Ila, kiasi hiki cha shilingi milioni moja kwa dunia ya leo kilinipa maswali sana.

Tukumbuke wengine hawa walikuwa baba wa familia changa, kuna mmoja ana mtoto wa miezi michache na kafunga ndoa mwaka huu tu. Wwengine wanategemewa na "extended family" kama ilivyo kawaida sehemu nyingi kwetu. Rambirambi ni pole tu, kwa hivyo haina kiwango, ila, kiwango kikiwa kikubwa kinaweza kusaidia zaidi.

Swali hili lilinipeleka kwenye kufikiria Life Insurance sehemu za kazi. Kwa Tanzania jambo hili linaangaliwa vipi?

Ikiwa waajiri wengi watakata Life Insurance policy kwa waajiriwa wao, hata ile basic tu, na kulipia kiasi kidogo tu kwa mwezi, inawezekana kabisa wafanyakazi wanaofariki kazini wakapata kuwachia ndugu zao wa karibu Life Insurance benefit zilizo nzuri zaidi.

Marekani kwa mfano, ni jambo la kawaida kwa muajiriwa kukatiwa life insurance inayolingana na mshahara wake wa mwaka mzima automatically anapoajiriwa. Kwa kuwa waajiri wengi wanakata insurannce hii, na wafanyakazi wanaofariki kazini ni wachache, basi malipo ya mwezi anayolipa muajiri yanakuwa madogo sana, na muajiriwa akifariki anahakikishiwa kwamba ndugu zake aliowachagua wanalipwa mshahara wake mwaka mzima.

Kitu kama hiki hakipo/hakiwezi kufanyika Tanzania?

Nimewaangalia wale kinamama na watoto walioachwa nikawaonea huruma sana, wamepata msiba wa kuondokewa na waume zao, na hapo hapo wana msiba wa kuyakabili maisha ya kiuchumi upya.

Tujadiliane tafadhalini.

 

[Kingsmann]

Wazo lako zuri ila kwa mazingira ya tz bado haliko applicable.

Bima za afya tuu tatizo sembuse ulete bima za maisha si ndio utasababisha mvurugano?

BTW hongera azam kwa kutoa japo hizo 1M kwa kila familia. Ingekuwa serikalini unachangiwa gharama za mazishi tuu halafu ndugu zako ndio wanaanza kupambana na mambo ya mirathi. Hiyo mirathi yenyewe kuja kuipata wamehustle sanaa labda mwaka au miaka 2.


HONGERENI SANA AZAM. Mnyonge mnyongeni lakini haki yake mpeni.

 

[Profesa ntare nkobe]

Fact

 

[Mwifwa]

Tanzania uhai hauthaminiki..

Chombo cha usafiri kikipata ajali, mmiliki ataanza kuulizia hali ya chombo chake kwanza...

Roho za abiria atazikumbuka baadae...

Siku tukithamini uhai wa watu, Life insurance itatekelezeka kiurahisi.

 

[TODAYS]

Hivi bado kuna waafrika tunawaza mfumo wa Ulaya kutumika Afrika asif Tanzania?

Yaani kuugua tu vidonda vya tumbo unaambia bima yako haina uwezo sasa unaleta habari ya Life Insurance kwa Tanz kweli?

Mleta mada kuna swali hili:
"mzee wako alikuwa muajiliwa wa serikali?,
Vipi mafao yake aliyapata kwa muda muafaka?"

 

[Baba Joseph17]

Tanzania uhai hauthaminiki..

Chombo cha usafiri kikipata ajali, mmiliki ataanza kuulizia hali ya chombo chake kwanza...

Roho za abiria atazikumbuka baadae...

Siku tukithamini uhai wa watu, Life insurance itatekelezeka kiurahisi.

Nchi zinazozaa sana watoto mambo ya kuthamini uhai wa mtu ni kidogo sana angalia Mfano China, India nk hafu linganisha na Majirani zao Kama South Korea, Japan nk

 

[mkorinto]

kuna ngo’ombe anajiita waziri wa kazi za ndani,na analal amechoka sijui kwa kazi gani anayofanya.

unajua kuna siku nimewaza sana kama wewe mkuu,sijui shida iko wapi!

 

[nguvu]

Nimesikitishwa sana na msiba uliotokea kwa ajali ya gari Julai 8 2019 iliyochukua maisha ya wafanyakazi wa Azam watano na madereva wawili.

Inasikitisha zaidi kwa kuwa marehemu walikuwa vijana wadogo wanaoanza kujipatia umahiri kazini na kujenga familia zao na taifa, nimeona, kwa mujibu wa maombolezo yaliyorushwa na Azam TV mitandaoni, kama nakumbuka vizuri, vijana wote wamezaliwa miaka ya 1980s, mmoja kazaliwa 1980 na wengine 1989 nafikiri. Kwa hiyo wengi wamefariki na miaka takriban 30, ambayo kwa mategemeo ya kuishi (life expectancy ya dunia ya leo ni midogo sana. Nchi kama Japan watu wamefikisha mategemeo ya kuishi takriban miaka 84.

Kuna mengi ya kuwekea mkazo, habari za usalama barabarani ni moja naliona la muhimu. Wenyewe kuheshimu thamani ya maisha na kukemeana tunapoona thamani hii inashushwa ni jambo lingine.

Lakini pia, mengine hayaepukiki. Sasa haya nayo tumejipanga vipi? Kutakuwa na ajali zinazotokea kazini, watu watafariki kutokana na ajali hizi, hata tukiwa waangalifu vipi. Sasa tunajipanga vipi kusaidiana ikiwa hilo litatokea?

Nimesikia Aazam imetoa rambirambi za shilingi milioni moja kwa mfanyakazi mmoja kupitia matangazo ya mtandaoni. Kwanza nataka kuishukuru Aazam kwa kuweza kutusitiri kufanikisha mazishi.Bila shaka kuna gharama nyingi zimetumika kusafirisha miili na kufanya logistics nyingine mpaka mazishi yakafanikiwa

Ila, kiasi hiki cha shilingi milioni moja kwa dunia ya leo kilinipa maswali sana.

Tukumbuke wengine hawa walikuwa baba wa familia changa, kuna mmoja ana mtoto wa miezi michache na kafunga ndoa mwaka huu tu. Wwengine wanategemewa na "extended family" kama ilivyo kawaida sehemu nyingi kwetu. Rambirambi ni pole tu, kwa hivyo haina kiwango, ila, kiwango kikiwa kikubwa kinaweza kusaidia zaidi.

Swali hili lilinipeleka kwenye kufikiria Life Insurance sehemu za kazi. Kwa Tanzania jambo hili linaangaliwa vipi?

Ikiwa waajiri wengi watakata Life Insurance policy kwa waajiriwa wao, hata ile basic tu, na kulipia kiasi kidogo tu kwa mwezi, inawezekana kabisa wafanyakazi wanaofariki kazini wakapata kuwachia ndugu zao wa karibu Life Insurance benefit zilizo nzuri zaidi.

Marekani kwa mfano, ni jambo la kawaida kwa muajiriwa kukatiwa life insurance inayolingana na mshahara wake wa mwaka mzima automatically anapoajiriwa. Kwa kuwa waajiri wengi wanakata insurannce hii, na wafanyakazi wanaofariki kazini ni wachache, basi malipo ya mwezi anayolipa muajiri yanakuwa madogo sana, na muajiriwa akifariki anahakikishiwa kwamba ndugu zake aliowachagua wanalipwa mshahara wake mwaka mzima.

Kitu kama hiki hakipo/hakiwezi kufanyika Tanzania?

Nimewaangalia wale kinamama na watoto walioachwa nikawaonea huruma sana, wamepata msiba wa kuondokewa na waume zao, na hapo hapo wana msiba wa kuyakabili maisha ya kiuchumi upya.

Tujadiliane tafadhalini.

Hivi ni LIFE INSURANCE AU LIFE ASSURANCES ?

 

[Kiranga]

Hivi ni LIFE INSURANCE AU LIFE ASSURANCES ?

Nilijua tu hili swali litakuja.
Nimeona kama Marekani naona Life Insurance zaidi. Ndiyo maneno yanayotumika zaidi. Hata kwenye policy yangu naona wameandika Life Insurance.

Nafikiri mifumo unayofuata Uingereza zaidi ndiyo ina Life Assurance. Lakini pia kuna technical differences. Som chini hapo.


Soma zaidi hapa kwa tofauti za kitaalamu.

Life insurance vs life assurance

This guide will help you to understand the differences between life insurance and life assurance, the benefits of each, and which you should choose.

www.landc.co.uk

Life insurance vs life assurance

Many people assume that life insurance and life assurance are the same thing, when in fact there are differences between these two types of policy.
Here we explain how life insurance and life assurance work, to help you decide which might be right for you.


What is life insurance?

Life insurance is designed to pay out a tax-free lump sum if you die during the term of the policy.
Cover can either be arranged on a ‘level’ basis, whereby any pay out on death remains at the same level throughout the policy period.
Alternatively, it can be arranged on a ‘decreasing’ basis, where the level of cover provided reduces as time goes by. This type of cover is often taken out alongside a repayment mortgage, so that the amount your dependants receive on your death is the same as the amount outstanding on the mortgage.
Decreasing cover tends to be cheaper than level cover because the amount of cover decreases over time.


What is life assurance?

Whereas life insurance has a fixed term, life assurance typically covers you for your entire life and so is often known as ‘whole of life’ cover.
Premiums for this type of cover tend to be more expensive than for life insurance as a pay out is guaranteed. It’s also more likely that premiums will be reviewed every few years, meaning they could increase throughout the life of the policy.
Some life assurance products are linked to investments, so part of your premium will be invested. This means the amount of any pay out received on death will depend in part on how the investment part of your policy has performed. Always seek professional advice if you’re considering this type of plan and remember that the value of investments can go down as well as up.


Life assurance vs life insurance: The benefits

Life assurance and life insurance can both provide valuable peace of mind that your loved ones will receive a lump sum in the event of your death. This can be used either to pay off the mortgage, or to cover other essential outgoings - or both.
The main difference between life assurance and life insurance is that life insurance covers you for a set term, whereas life assurance covers you for your whole life.
The benefit of life insurance is that premiums will typically be lower than for life assurance, and you can pick how long you want to be covered for, and whether you want cover to remain the same or decrease over time. If you die outside the term of the policy, you won’t receive any pay out, even though you might have paid premiums for many years.
With life assurance, however, the main benefit is that you will have cover for your entire life, although if you choose an investment-linked product, the amount your dependants will receive in the event of a claim isn’t guaranteed.
Premiums for both types of cover will depend on your age, health and lifestyle. For example, a young non-smoker in good health will pay less for life assurance or life insurance than someone who is older, smokes, and has pre-existing medical conditions.


Which do I choose?

The decision whether to go for life insurance or life assurance will depend on your individual circumstances and what you are looking for from this type of cover.
If, for example, you want to be certain that your mortgage will be covered in the event of your death, but aren’t worried about having life cover after this, life insurance may be the right option for you.
If, however, you want peace of mind that your loved ones will receive a lump sum whenever you die, life assurance may better suit your needs. Ultimately, the choice will be down to you, but if you need help, one of our expert protection advisers can talk you through all the available options and compare the cost of cover from several different providers.

Lisa Parker
Published 13 December 2017

 

[Kiranga]

kuna ngo’ombe anajiita waziri wa kazi za ndani,na analal amechoka sijui kwa kazi gani anayofanya.

unajua kuna siku nimewaza sana kama wewe mkuu,sijui shida iko wapi!

Nikiangalia hivi vitu jinsi vilivyo automatic nchi za wenzetu, halafu vilivyo kama impossible kwetu, inaumiza sana.

 

[LOCAL SPONSOR]

Mkuu heshima kwako, nijuavyo mimi kuna workers compensation fund, mfuko huu ulianzishwa kwa ajili ya kugharamia ulemavu na vifo kwa wafanyakazi, na kila mwajiri analazimika kwa mujibu wa sheria kuchangia kwenye huu mfuko, kuna utaratibu mzuri tu wa kuwahudumia wategemezi, imani yangu ni kwamba AZAM MEDIA alikuwa anapeleka michango kwa mujibu wa sheria

 

[Kiranga]

Watanzania tunapenda mno kunung'unika, waliofiwa ni wengine, alafu kiranga anakuja kulialia humu! Kama unaiona milioni hela ndogo nenda na wewe kawasaidie japo elfu hamsini tu.na sio kujisikitisha humu wakati hujachangia chochote.


Azam hongereni sana.

Utakuwa umewaelewa hawa wakuu;
Kingsmann
TODAYS

Kwanza kabisa, ni wapi nimenung'unika?

 

[Kiranga]

Mkuu heshima kwako, nijuavyo mimi kuna workers compensation fund, mfuko huu ulianzishwa kwa ajili ya kugharamia ulemavu na vifo kwa wafanyakazi, na kila mwajiri analazimika kwa mujibu wa sheria kuchangia kwenye huu mfuko, kuna utaratibu mzuri tu wa kuwahudumia wategemezi, imani yangu ni kwamba AZAM MEDIA alikuwa anapeleka michango kwa mujibu wa sheria

Asante kwa taarifa mkuu.

Nchi kama Marekani hiyo Workers Comp ipo, halafu na muajiri anakata Life Insurance pia, kwa sababu kwa hela ndogo tu kwa mwezi, anaweza kukukatia Life Insurance ya $100,000 au zaidi. Wengi hukata automatically Life Insurance ya kulingana na mshahara wa mwaka.

Ila nimeambiwa nisijaribu kuleta ushawishi wa mambo ya ughaibuni huko Afrika hapo juu.

 

[Chamoto]

Katika mambo ya mazishi /harusi Tanzania bado ina utaratibu wa jamii kuhusika balada ya kutegemea bima.

 

[Kobello]

Kutokana na unemployment rate waajiri wengi huwa hawajali wafanyakazi wao, unless uwe kwenye rare profession.
Lakini unaweza kujikatia mwenyewe.

 

[Kiranga]

Nchi zinazozaa sana watoto mambo ya kuthamini uhai wa mtu ni kidogo sana angalia Mfano China, India nk hafu linganisha na Majirani zao Kama South Korea, Japan nk

Una point mkuu.

Kiuchumi wanasema price point is found where the supply curve meets the demand curve.

Inaonekana tumezidisha supply mpaka price imeshuka, to put it crudely.

 

[Kiranga]

Katika mambo ya mzishi /harusi Tanzania bado ina utaratibu wa jamii kuhusika balada ya kutegemea bima.

Bima haikatazi jamii kuhusika, ni aina ya kuongezea tu ushirikishwaji wa umma.

Bima wala hela haiziki mtu, watu wanazika watu.

Ila, kama Bima inaweza kumuongezea mjane milioni 10 akae kwa afueni ya kiuchumi japo kidogo, hilo lingesaidia zaidi.

 

[luckyline]

Hivi ni LIFE INSURANCE AU LIFE ASSURANCES ?

Ni life insurance. Na watu wameanza kuona umuhimu siku hizi wanakata tho wachache sana. Ni nzuri

 

[Kiranga]

Hivi bado kuna waafrika tunawaza mfumo wa Ulaya kutumika Afrika asif Tanzania?

Yaani kuugua tu vidonda vya tumbo unaambia bima yako haina uwezo sasa unaleta habari ya Life Insurance kwa Tanz kweli?

Mleta mada kuna swali hili:
"mzee wako alikuwa muajiliwa wa serikali?,
Vipi mafao yake aliyapata kwa muda muafaka?"

Mkuu hata wewe hapo unapotumia mtandao unatumia mifumo ya ughaibuni.

Huwa sipendi kujadili familia yangu, lakini pia sipendi kuacha maswali bila majibu.

Mzee wangu habari za mafao yake wala sijui, kwa sababu si mtu wa kutegemea mafao, amestaafu sasa anazunguka dunia kufurahia maisha ya kustaafu na kufanya biashara zake. Huku akiendesha biashara zake polepole Tanzania pia..

Alivyostaafu alipewa na serikali nyumba iliyokadiriwa wakati huo kuwa na thamani ya dola za Kimarekani milioni tatu huko Oysterbay.

Kwa hiyo kabla hata ya kuzungumzia mafao alikuwa hana shida. Kiasi kwamba hatujawahi kuzungumzia habari za mafao (pia kwa sababu amestaafu mimi nikiwa Marekani tayari).

 

[Sky Eclat]

Licha ya bima ya maisha, mwajiri huwa analipa mshahara wa mwaka mmoja kama funeral rights za marehemu aliyefia kazini. Hii ni kwa mashirika ya kimataifa.