Ubwishingizi Ngobokamuryango ni ubwoko bw’ubwishingizi bw’ubuzima butangwa na SanlamAllianz, bugamije kurengera ubukungu bw’uwafashe ubwishingizi no guha umutuzo ku muryango mu gihe nyir’ubwishingizi yitabye Imana cyangwa agize ubumuga buhoraho bwa burundu. Ubwishingizi Ngobokamuryango bwishingira kandi ibyago byo gutakaza akazi n’ubumuga bwa burundu bw’igice.

Intego nyamukuru y’ubu bwishingizi ni ukugira ngo abagenerwabwishingizi b’umuntu wafashe ubwishingizi batagirwaho ingaruka z’ubukene mu gihe habayeho ibyago.

Ibyago byishingiwe n’indishyi zitangwa mu bwishingizi Ngobokamuryango ni ibi bikurikira:

1. Urupfu cyangwa ubumuga bwa burundu buhoraho

Ubwishingizi kuri ibi byago byombi butanga umutekano w’umutungo w’uwafashe ubwishingizi ariko muburyo butandukanye.

• Urupfu : Ubwishingizi Ngobokamuryango butuma abazungura b’uwafashe ubwishingizi bagobokwa bagahabwa amafaranga ateganywa mu masezerano mu gihe uwafashe ubwishingizi apfuye.
• Ubumuga bwa burundu buhoraho : Ubwishingizi Ngobokamuryango bugoboka uwagize ubumuga kuburyo aba atagishoboye kugira icyo yimarira kimufasha kwitunga cyangwa kimubyarira inyungu.

Kuri ibi byago byombi iyo bikomotse ku mpamvu yishingiwe iyo ari yo yose, hishyurwa indishyi ziteganyijwe mu masezerano y’ubwishingizi haba kubagenerwabwishingizi cyangwa uwafashe ubwishingizi ufite ubumuga bwa burundu buhoraho.

• Urugero rw'amafaranga yishingiwe: Niba umushahara w’umukozi buri kwezi ari 1.000.000 Frw, ikiguzi cy’ubwishingizi kiba ari 50.000 Frw ku kwezi (ahwanye na 5% by’umushahara wagaragajwe haruguru). Mu gihe habaye urupfu cyangwa ubumuga bwa burundu buhoraho, SanlamAllianz Life Insurance Plc, izishyura indishyi zikurikira: 15*1.000.000= 15.000.000 Frw hakiyongeraho Ubwizigame iyo buhari.

2. Ubumuga bwa burundu bw’igice

Iyo uwishingiwe agize ubumuga bwa burundu bw’igice, hishyurwa indishyi hashingiwe ku ngano y’ubumuga afite bigakubwa n’amafaranga yishyingiwe mu masezerano cyangwa bikaba gukuba n’inshuro runaka z’umushahara.

Urugero: Niba ubumuga buri ku gipimo cya 30%, kandi umushahara akaba ari 1.000.000 Frw ku kwezi, indishyi zibarwa ni: 30% * (15 * 1,000,000) = 4.500.000 Frw

3. Gutakazi akazi

Mu bwishingizi Ngobokamuryango, uwatakaje akazi kubera uburwayi cyangwa impanuka ahabwa ingoboka mu mafaranga. Iyo ngoboka isimbira igice cy’umushahara we mu gihe runaka, bikamurinda guhungabana mu gihe agishakisha akandi kazi.

Iyo hashize amezi atandatu umuntu afite afite ubumuga cyangwa uburwayi, amafaranga yishingiwe atangwa mu gihe cy’amezi 15 iyo yahembwaga 1.000.000 Frw ku kwezi ni:
75% * 1,000,000 *15 = 750.000 Frw akishyurwa mu gihe kingana n’amezi 15 hakiyongeraho n’ubwizigame iyo buhari.

Indishyi zitangwa uhereye igihe amasezerano y’ubwishingizi yashyizwe mu bikorwa.