Ukusebenzisana phakathi kwe- I-Banco Sabadell kanye neZurich Kuthatha elinye igxathu phambili ngokwethulwa kwesipho somshuwalense we-Life and Home esivuselelwe, esihlelwe ngokuhambisana nohla olusha. ZenitLokhu kubuyekezwa kwesivumelwano se-bancassurance kuhlose ukuqinisa isisindo sebhizinisi lomshuwalense ngaphakathi kweqembu, ukuthuthukisa ubudlelwano namakhasimende, nokuqinisa ubumbano njengomunye wabadlali abafanele kakhulu emakethe yaseSpain.
Ukunyakaza kwenzeka ngesikhathi lapho Impilo kaBanSabadell, Umshwalense Ojwayelekile kanye Nezimpesheni, lo uhambo oluhlanganisile Ibhizinisi elihlanganyelwe yizo zombili izinhlangano ligcina umkhondo ocacile wokukhuphuka kokubili ekukhuleni okuphezulu kanye namasheya emakethe. Isu elisha elihlangene ligxile emikhiqizweni enenani eliphezulu, izinkontileka ezizinzile, kanye nokugcizelela kakhulu ukuvikelwa okuphelele kanye nokusekelwa kwamakhasimende kwesikhathi eside.
Ubudlelwano obuqakathekile obuqina
I-Banco Sabadell neZurich sebelokhu benobudlelwano iminyaka ecishe ibe ngamashumi amabili umbimbi lwe-bancassurance eqhutshwa yiBanSabadell Vida, iSeguros Generales y Pensiones, okuyibhizinisi elihlangene elasungulwa ngo-2008 ukuze lithengise umshwalense ngenethiwekhi yebhange. Lesi sakhiwo sivumela isikhungo sezezimali ukuthi sinikeze izinqubomgomo ezahlukahlukene, sisebenzisa ubuchwepheshe bezobuchwepheshe beqembu lomshwalense kanye namakhono okuphatha izingozi.
Eminyakeni yamuva nje, inkampani yomshwalense iye yandisa kancane kancane isisindo sayo ngaphakathi kwenhloko-dolobha yebhange, yafinyelela cishe Ubunikazi bamasheya obungu-4,9%Lokhu kuyenza ibe ngomunye wabalingani bayo abakhulu bezezimali. Ngaphezu kwendima yayo yezimboni njengomlingani ku- uhambo oluhlanganisileIZurich ibilokhu ingumngane obalulekile ngezikhathi zokungezwani kwezinkampani, njengomzamo wokuthatha izintambo owaqalwa yi-BBVA, lapho yaveza khona obala ukwenqaba kwayo lo msebenzi.
Isigaba esisha sesivumelwano asishintshi isakhiwo senkampani esikhona, kodwa siyashintsha Ibuyekeza izinto eziza kuqala kwezamasu nezentengiselwanoUkugxila kushintshela ezixazululweni zokuvikela ezibanzi kakhulu, izeluleko ezikhethekile kakhulu, kanye nobudlelwano besikhathi eside namakhasimende, kokubili abantu ngabanye kanye namabhizinisi.
Ku-Banco Sabadell, lokhu kuqinisa kuhambisana kahle nohlelo lwayo, njengoba ibhizinisi lomshuwalense lihlonzwe njengelinye lamabhizinisi izikhombisi zokukhula zesikhathi sika-2025-2027Ibhange lifuna ukwandisa imali engenayo ephindaphindayo kanye nokuthuthukisa inzuzo elungisiwe ngengozi ngemikhiqizo yomshuwalense exhunywe nezinsizakalo zayo zezimali zendabuko.
Imiphumela yokukhula okunamandla kwebhizinisi elihlangene
Ukuvela kwamuva nje kwe umsebenzi womshwalense ohlanganyelwe Isekela isinqumo sokujulisa ubumbano. I-BanSabadell Vida igcina isikhundla sayo sesibili kulo mkhakha eSpain futhi ibone ukwanda okuphawulekayo kwesabelo semakethe, kusukela cishe ku-1 11% kwikota yesibili mayelana ne 12,7% engxenyeni yesithathu.
Ngokuphathelene nomthamo, iBanSabadell Vida ifinyelele cishe Ama-premium angu-3.471 billion eurosLokhu kumelela ukwanda okungaphezu kuka-170% uma kuqhathaniswa nesikhathi esifanayo ngonyaka odlule. Lokhu kukhula, okungaphezu kakhulu kwesilinganiso semakethe, kubonisa kokubili amandla ezentengiselwano enethiwekhi yeBanco Sabadell kanye nokuhlelwa kabusha kokunikezwa kwayo komshuwalense.
Ngokuhambisanayo, Umshwalense Jikelele weBanSabadell Iphinde ibonise ukukhula okuhle. Ibhizinisi layo liyakhula cishe 11,6%Lokhu kuphambene nemakethe ekhula cishe ngo-7,3%. Kuleli phothifoliyo, izinqubomgomo zomshuwalense wekhaya ezinezingozi eziningi ziyagqama, kanye nokwenyuka kweprimiyamu cishe [ngamaphesenti angekho]. 14%kanye nomkhakha wezeMpilo, obona ukwanda kwe- 27%Lokhu kusebenza kuqinisa ubumbano njengomunye wabadlali abanamandla kakhulu emakethe yomshuwalense waseSpain.
Umongo wemakethe nawo uyasiza kuleli qhinga: imodeli ye i-bancassurance Ithola ukuthandwa eSpain ngenxa yesisekelo samakhasimende esibanzi sezikhungo zezimali kanye nesidingo esikhulayo sezixazululo zebhange nezomshuwalense ezihlanganisiwe. Ukusebenzisana neZurich kuvumela iBanco Sabadell ukuthi ithembele kumlingani ogxile ekuklanyweni komkhiqizo, ukubhala phansi, kanye nokuphathwa kwezimangalo, ngenkathi futhi isebenzisa ukufinyelela okubanzi kwenethiwekhi yayo yokuthengisa.
Uhla lwe-New Zenit: i-premium eqinisekisiwe yeminyaka emithathu kanye nenani elengeziwe elengeziwe
Ukugxila okubonakalayo kwalokhu kuqiniswa kobumbano ukwethula Ububanzi be-ZenitUmugqa womkhiqizo osebenza kokubili kumshwalense wokuphila nowekhaya. Isici esiyinhloko esihlukanisayo salokhu okunikezwayo yinkontileka yeminyaka emithathu no i-premium iqinisekisiwe iminyaka emithathu, ngaphandle kokwenyuka kweminyaka, izinga lezingozi noma ukukhuphuka kwamanani (CPI) phakathi naleso sikhathi.
Lokhu kulungiselelwa kumelela ukusungula okusha okubalulekile emakethe, njengoba kunikeza amakhasimende ukuzinza okukhulu ezindlekweni zenqubomgomo yakho Esimweni sokungaqiniseki kwezomnotho kanye namanani akhuphukayo, uhlelo lwe-Zenit luphinde luvumele izinkokhelo zanyanga zonke ngaphandle kwenkokhelo eyengeziwe, okwenza kube lula ngemindeni ukuhlela izimali zayo ngokusabalalisa izindleko unyaka wonke.
Uhla lwe-Zenit alukhawulelwe ekuqandeni i-premium, kodwa luhambisana ne- izinsizakalo ezengeziwe kuhloswe ukukhulisa inani elibonwa yikhasimende. Kumshwalense wekhaya, isibonelo, izinsizakalo ezifana nokusekelwa kwe-IT, usizo lokusebenzisa kahle amandla, kanye nezibopho zokuphathwa kwezimangalo ngokushesha ziyafakwa, kanye nesinxephezelo sezezimali esingaba khona uma izinsuku ezithile zokugcina zingahlangatshezwani.
Ku-Vida, indlela ye-Zenit yengeza izinzuzo ezifana nokuthi iseluleko sezomthetho esiqhubekayo y aceso a una umbono wesibili wezokwelapha wamazwe ngamazwe, izinzuzo ezihlose ukusabela ezimweni eziyinkimbinkimbi lapho umuntu onomshwalense angase adinge ukwesekwa kochwepheshe ngale nje kwesinxephezelo sezimali esivamile.
Lezi zinguquko ezintsha ziyingxenye yesu likaSabadell Seguros, elihlose ukuzihlukanisa ngemikhiqizo "yokusetshenziswa ngesikhathi sokuphila," enesembozo kanye nezinsizakalo eziwusizo empilweni yansuku zonke hhayi nje ezimweni ezimbi kakhulu, ngaleyo ndlela kuthuthukiswe ubuhlobo obuseduze nobuphindaphindayo namakhasimende.
Umshwalense Wasekhaya: ukumbozwa okwengeziwe, izinsizakalo kanye nezixazululo ezithile
Ngaphakathi komkhakha womshuwalense wezindlu, iBanco Sabadell neZurich bavuselele ngokuphelele iminikelo yabo nge Umshwalense Wekhaya waseSabadell ngamazinga amathathu okumboza: Okujwayelekile, Okungeziwe, kanye ne-Premium. Lolu ububanzi obuklanywe ngokusekelwe ku izingxoxo namakhasimende angaphezu kuka-6.000Lokhu kusivumele ukuthi silungise iziqinisekiso ukuze zivumelane nezidingo zangempela ezikhonjwe kumaphrofayili ahlukene.
Isiphakamiso sihlanganisa izembozo zakudala ezifana imililo, ukweba, umonakalo kagesi, umswakama noma isibopho somndeni nezilwane ezifuywayo, lapho kunezelwa khona izandiso ezenzelwe abanikazi, abanikazi bezindlu, kanye nabaqashi. Lezi zandiso zakamuva zifaka phakathi ukuqoqwa kwentela kanye nezinqubo zokuxoshwa, ukulungiswa kwengadi, ukuvikelwa ekwebiweni kwangaphandle, kanye nezimangalo zomthetho ezibhekiswe kubanikazi bezindlu.
Ngaphezu kwalokho, le nqubomgomo ihlanganisa uchungechunge lwe izinsizakalo ezingezwe inani abebelokhu bethola isisindo ngokufunwa kwabasebenzisi: usizo lwamahora angama-24 izinsuku eziyisikhombisa ngesonto, ukunakekelwa okuphuthumayo ngaphansi kwamahora amathathu ezimweni ezithile, izinsizakalo zomsebenzi wokulungisa izindlu ezincane, ukwesekwa kokulungiswa kwemishini noma ukubonisana nodokotela wezilwane ngedijithali.
Kuhlelo lwe-Zenit Home, lezi zimali ziyagcinwa kodwa zinenkontileka yeminyaka emithathu kanye ne-premium emisiwe, okwengeza ithuba lokukhokha nyanga zonke ngaphandle kwenkokhelo eyengeziwe kanye nezinzuzo ezengeziwe ezifana Ukusekelwa kwe-IT kanye nezinsizakalo zokusebenzisa kahle amandlaLe nkampani izibophezela, ngemikhiqizo ethile, ukuthumela uchwepheshe esikhathini esingaphansi kwamahora angama-24, ukuqala ukulungisa ngaphakathi kwesikhathi esifushane, nokukhokha isinxephezelo ngokushesha, ngisho nokucabangela ukubuyiselwa kwemali okungafika kuma-euro angama-200 uma isikhathi esivunyelwene ngaso singahlangatshezwanga.
Le nkampani yayivele yethula izinto ezintsha kulo mkhakha, njengokufakwa kokumbozwa okuthile ngokumelene ne- ukuhlala ngokungemthetho ezindliniLokhu kudlula ukuvikelwa okusemthethweni okujwayelekile. Lesi siqinisekiso sinikeza ukwesekwa kwezezimali kwezindleko zokubuyiselwa kwempahla, umonakalo ongaba khona, izindleko zezinsizakusebenza, kanye nesinxephezelo semali engenayo yokuqasha elahlekile noma indawo yokuhlala ehlukile.
Umshwalense Wokuphila: ukuvikelwa okuphelele kanye nokugxila enhlalakahleni
Emkhakheni wezeMpilo, umbimbi luqalile Umshwalense Wokuphila weSabadell futhi ngezindlela ezintathu (i-Standard, i-Plus kanye ne-Premium), enesakhiwo esenzelwe izigaba ezahlukene zobudala kanye nezimo zomndeni: imindeni enezingane, abantu abadala abaseminyakeni yabo yokusebenza kanye nabantu abangaphezu kweminyaka engu-50 abanezidingo ezithile zokuvikelwa.
Izinqubomgomo zifaka phakathi ukumbozwa okufunwa kakhulu, njengokuthi ukuvikelwa ezifweni ezingathi sÃna (isibonelo, umdlavuza noma ukuhlaselwa yinhliziyo), ukunakekelwa ekhaya ngemva kokulaliswa esibhedlela, noma iziqinisekiso zamacala okukhubazeka okukhulu kanye nezimo ezingase zithinte kakhulu ikhwalithi yokuphila komuntu onomshwalense.
Esinye sezici ezihlukanisayo zalolu hlu yinhloso emenyezelwe yokuklama umshwalense wokuphila "ozosetshenziswa ngesikhathi sokuphila"Lokhu kuhumusha ekufakweni kwezinzuzo ezenzelwe ukusekela umuntu onomshwalense ezigabeni ezahlukene zokuphila, njengosizo lomndeni lwezifundo zezingane, ukumbozwa kwamathambo aphukile, noma izinsizakalo zokusekela ngokwengqondo ngezikhathi ezinzima.
Ukuze kuqiniswe le ndlela, izixazululo zikaVida zihlanganisa ikhathalogi ye izinsizakalo zokuvimbela kanye nenhlalakahleIsiqondiso sezokwelapha samahora angama-24, izeluleko ngokudla okunempilo, ukwelashwa kwezingane, ukuqeqeshwa kwezemidlalo kanye nokungezwani komzimba, kanye nokunakekelwa kwempilo yengqondo okukhethekile ngochwepheshe bezengqondo abasiza ekuphatheni ukucindezeleka, ukukhathazeka noma ezinye izimo ezifanayo.
Inguqulo ye-Zenit yalezi zinqubomgomo zomshuwalense igcina iprimiyamu ingashintshi kuyo yonke inkontileka yeminyaka emithathu futhi ivumela izinkokhelo zanyanga zonke ngaphandle kwenkokhelo eyengeziwe, futhi ifaka nezinzuzo ezifana nokuthi Iseluleko sezomthetho siyatholakala amahora angama-24 ngosuku kanye nokufinyelela umbono wesibili wezokwelapha wamazwe ngamazwe, izinsiza ezimbili ezibaluleke kakhulu kumakhasimende ocwaningweni olwenziwe yinkampani.
Iseluleko esengeziwe kanye nokuhlanganiswa okukhulu kwinethiwekhi yokuthengisa
Ukuqiniswa kobumbano phakathi kweBanco Sabadell neZurich akugcini emikhiqizweni kuphela. Kuphinde kuhilele ukuhlanganiswa okukhulu komshuwalense ezinqubweni zebhizinisi evela ebhange, enendima evelele yezeluleko ezenziwe ngokwezifiso kanye nokusetshenziswa kwamathuluzi edijithali ukuthola izidingo zokuvikela.
Isikhungo sezezimali sisebenza ukuqinisa ukuqeqeshwa okukhethekile kwamaqembu aso ukuze bakwazi ukunikeza izincomo ezifanela iphrofayili nesimo seklayenti ngalinye, kungakhathaliseki ukuthi abantu ngabanye, amabhizinisi, noma abazisebenzayo. Umgomo ukuvela kumodeli yokuthengiselana, egxile ekusabalaliseni izinqubomgomo nje, uye kosekelwe... ukuhlela ezezimali kanye nefa isikhathi eside
Engxenyeni yangasese, lesi sipho sihloselwe Ukuvikelwa komndeniUkuhlela ukonga kanye nokumbozwa kwezehlakalo ezingalindelekile ezingaphazamisa ukuzinza kwezezimali zomndeni kuyizinto ezibalulekile. Emkhakheni webhizinisi, kugxilwe ezixazululweni ezenzelwe izingozi ezithile zomsebenzi ngamunye, okuhlanganisa umshwalense wempahla, umshwalense wesibopho, kanye nokuvikelwa kwabasebenzi ababalulekile ezinhlanganweni.
Kusukela eZurich, inhlangano iqinisa ukuzibophezela kwayo ku- isiteshi se-bancassurance eSpainimakethe inkampani eyibheka njengeyamasu eYurophu. Umshwalense unikela ngamakhono akhe okuklama umkhiqizo, ulwazi lokubhalisa, kanye ukuphathwa kwezimangalo, kanye nobuchwepheshe bayo ekuxazululeni izixazululo zokuvikela nokubikezela ezithuthukisiwe, kuyilapho iBanco Sabadell inikeza isisekelo samakhasimende ayo kanye nenethiwekhi yamagatsha.
Isivumelwano sisekelwe kumodeli yokuphatha ehlanganyelwe, evumela ukuhambisana kwezinhloso zezentengiselwano kanye nekhwalithi yesevisi, ngenkathi kuhambisana nezindinganiso zomthetho zemikhakha yezezimali kanye neyomshuwalense. Lesi sakhiwo sihlose ukuqinisekisa ukukhula okusimeme nokulinganayo kubo bobabili abantu, ukugwema ukuthembela kuphela eziqongweni ezithile zokuthengisa.
Ngalezi zinguquko, ubumbano phakathi kweBanco Sabadell neZurich luzibeka njengenye yezibonelo eziphambili ze- ibhizinisi le-bancassurance eSpainokusekelwa yinhlanganisela yokusungula izinto ezintsha zomkhiqizo (njengobubanzi be-Zenit obune-premium eqinisekisiwe), imiphumela emihle maqondana nokukhula kwe-premium kanye nesabelo semakethe, kanye nesu eligxile ekuhlinzekeni ngokuvikelwa okwengeziwe, ukuzinza kanye nezinsizakalo ezengeziwe zenani kumakhasimende e-Life and Home.