Perlindungan Maksimal dari Allianz Allisya Protection Plus Umshuwalense uyindlela yokuvikelwa ekulahlekelweni kwezimali. Kuyindlela yokulawulwa kwezinhlekelele, ikakhulukazi esetshenziselwa ukuvimbela ingozi yokulahlekelwa okungenasici noma okungaqiniseki. Inhlangano enikezela umshuwalense yayaziwa ngokuthi umshwalense, inkampani yomshuwalensi, umshuwalense noma umgcini womshuwalense. Umuntu noma inhlangano ethenga umshuwalense uyaziwa njengesiqinisekisiwe noma njengomnikazi wezinqubomgomo. Ukuthengiselana komshuwalense kuhilela abantu ababheke umshwalense bebheka ukulahlekelwa okuqinisekisiwe nokuncane okukhokhwa ngendlela yokukhokha kumshuwalense ngokushintshanisa isithembiso somshuwalense sokukhokhela abaqinisekisiwe lapho kwenzeka ukulahleka okufakiwe. Ukulahleka kungenzeka noma kungabi yizezimali, kodwa kufanele kube nokunciphisa ngokwemali, futhi kuvame ukubandakanya into lapho umshwalense enentshisekelo engaqinisekisiwe esungulwe ubunikazi, ifa, noma ubudlelwane be-preexisting. Umshwalense uthola inkontileka, ebizwa ngokuthi inqubomgomo yomshuwalense, okuyinto imininingwane ngemibandela nezimo lapho umshwalense uyobuyisela khona labo abathintekayo.

Imali yemali ekhokhwa yilezi zinshuwalense kubanikazi besikhwama somshwalense wokuqashwa okushiwo kwinqubomgomo yomshuwalense kuthiwa yi-premium. Uma okuhlangenwe nakho okuqinisekisiwe kulahlekelwa okungenzeka kuhlanganiswe inqubomgomo yomshuwalense, umuntu ophephile ubeka isikhalazo kumshuwalense wokucubungula ummeli wezimangalo. Umshuwalense angakwazi ukubeka ingozi yakhe ngokuthatha ukuqinisekiswa, lapho enye inkampani yomshuwalense ivumela ukuthatha ezinye izingozi, ikakhulukazi uma umshuwalense oyinhloko ebona ingozi enkulu kakhulu ukuba ithwale. Izindlela zokudlulisa noma zokuhambisa ingozi zenziwa ngabathengisi baseShayina nabaseBabiloni esikhathini esidlule njenge-3rd and 2nd millennium BC, ngokulandelana.1 Abathengisi baseShayina abahamba ngezinyawo emfuleni i-rapids babezophinde banikeze impahla yabo emikhunjini eminingi ukuze banciphise ukulahleka ngenxa yanoma yikuphi ukushaywa komkhumbi oyedwa . AmaBabiloni ahlakulela uhlelo olulotshwe kwiCode elidumile likaHammurabi, c. 1750 BC, futhi kwenziwa ngabahwebi bokuqala bokuhamba ngeMedithera. Perihal Perkembangan Asuransi