Ikigo Prime Insurance cyatangije Ubwishingizi bw’Ubuvuzi bufite umwihariko w’uko bushobora no guhabwa umuntu ku giti cye, kandi ababufashe bakemererwa kwivuza no mu mahanga.
Ku wa 1 Mutarama 2022 nibwo umuntu wa mbere ufite ubu bwishingizi bw’ubuvuzi azemererwa kubukoresha haba mu ivuriro ryigenga, irya leta cyangwa muri farumasi.
Umuyobozi Mukuru wa Prime Insurance, John Mirenge, kuri uyu wa Kane yabwiye abanyamakuru ko bamaze igihe batangaga ubwishingizi rusange (Prime General Insurance) n’ubwishingizi bw’ubuzima (Prime Life Insurance), ku buryo ubwishingizi bw’ubuvuzi (Prime Medical Insurance) ari bwo bwaburaga.
Ati “Tugeze ahantu twumva ko abakiliya bacu tugomba kubaha serivisi zose zijyanye n’ubwishingizi, iki kikaba ari cyo gihe cyiza cyo kugira ngo dutange ubwishingizi bw’ubuvuzi tutakoraga.
Yavuze ko nubwo serivisi zabo zizaba ari nziza cyane, “abantu benshi bazashobora kuba batanga icyo kiguzi batavunitse cyane.”
Ni ubwishingizi buri mu byiciro
Mwizere René ukuriye ubwishingizi bw’ubuvuzi muri Prime Insurance, yavuze ko bishingira serivisi zose zaba kurara mu bitaro, kwivuza utaha, serivisi zo kubyara, ubuvuzi bw’amaso, uburwayi bwo mu kanwa n’izindi.
Ubwo bwishingizi bwagabanyijwe mu byiciro bibiri: Isonga n’Imena.
Icyiciro Isonga kireba cyane cyane abantu ku giti cyabo, ku buryo umuntu ashobora kugura ubwishingizi bwo kwivuza, aho kuba ibigo gusa nk’uko henshi bigenda.
Mwizere ati “Nakwemeza ko ari ubwoko bw’ubwishingizi budatangwa cyane muri iki gihugu kuko bumenyerewe ku bigo binini, ariko ubudasa Prime yazanye, umuntu umwe ku giti cye turamwishingira, twava ku muntu umwe tukimukira ku muryango, umugabo n’umugore n’abana, nabo dufite ubwishingizi bwababera.”
Mu Imena ho habarizwamo ubwishingizi bwo kwivuza bumenyerewe cyane, buhabwa abakozi b’ikigo runaka.
Umukiliya yahawe amahitamo asesuye
Mu cyiciro Isonga kijyanye n’ubwishingizi buhabwa umuntu ku giti cye harimo ibindi byiciro bito bitewe n’icyo ukeneye, byiswe Ingenzi, Isano n’Ijabo.
Mwizere yavuze ko nk’umuntu ugiye kugura ubwishingizi ashobora nko kwishingira gusa serivisi azahabwa igihe yaraye mu bitaro, yakwivuza ataha akiyishyurira.
Yakomeje ati “Ikijyanye n’igiciro navuga ko ubwo bigenda bikura bitewe n’ibyo ugiye ushyiramo. Ni nko kugenda ufata akantu ushyira mu nkangara, uko ushyiramo twinshi ni ko bihenda, uko ushyiramo duke ni ko bisa n’ibiri hasi.”
Ikiguzi kiri hasi ku muntu ku giti cye gishobora guhera ku 200,000 Frw, kikazamuka kugeza nko kuri miliyoni 2 Frw ku mwaka, ku muryango w’abantu batanu.
Uretse kugura ubwishingizi bwishyurwa ku gihe cy’umwaka, umuntu ashobora no gufata ubw’igihe gito.
Mwizere yanavuze ko muri ya mahitamo, ufite n’uburenganzira bwo guhitamo ko Prime Insurance izajya ikuvuza 100%, cyangwa ugahitamo kwishyura 10%, 15% n’ibindi.
Ati “Umukiliya afite uburenganzira bwo guhitamo icyiciro cy’ubwishingizi ashaka, ibyishinganishwa ashaka, bikajyana n’amafaranga. Uko twavuga, uko usabwa amafaranga menshi tuzakwishyurira ni nako n’ayo wakwishyura aba menshi.”
Uzabasha kwivuza mu mahanga
Biteganywa ko umuntu nagura ubwishingizi azaba afite n’amahitamo yo kwivuriza mu Rwanda cyangwa muri Afurika y’Iburasirazuba bitewe n’ubwishingizi yaguze.
Mwizere ati “Ikindi ni uko turenga n’ibyo bihugu by’abaturanyi tukaba twamuvuza mu Buhinde. Byagaragaye ko Abanyarwanda benshi u Buhinde bukunze kubavura, bityo Prime ishobora kuguha ubushobozi bwo kuba wakwivuriza mu Buhinde.”
“Ariko noneho n’uwifuza kurenga izo mbibi z’u Buhinde cyangwa se n’ikindi gihugu, dufite n’icyiciro noneho cyakuvuza mu bihugu by’u Burayi nk’u Bufaransa, u Bubiligi, u Budage, za Turikiya n’ahandi. Ni itandukaniro rero ku isoko kuko tuzaba turi aba mbere bashobora kugera muri izo mbibi zose.”
Prime Insurance yanatekereje ku buryo bwo gukumira indwara, ishobora kwishingira serivisi yo kwisuzumisha indwara nyinshi icyarimwe (medical check-up).
Nubwo umuntu ugize impanuka cyangwa uburwayi azaba avuzwa, ubwo buryo ngo bwafasha umuntu kurushaho kwirinda indwara, aho kugira ngo azatangweho amafaranga menshi mu kumuvuza.
Umuyobozi ushinzwe ubucuruzi muri Prime Insurance, Uramutse Ndahimana Regis, yashishikarije ibigo kwita ku bakozi babyo bikabashakira ubwishingizi bwo kwivuza.
Uretse ibigo, n’umuntu ku giti cye ashobora kwigurira ubwishingizi bwo kwivuza kuko bwashyizwe mu byiciro byinshi, bijyanye n’amikoro ya buri wese.
Yavuze ko biteguye gukoresha ikoranabuhanga rigezweho, ku buryo umukiliya wa Prime Insurance ugiye kwivuza azahabwa serivisi nziza.
Kugeza ubu mu gihugu hari ibitaro, amavuriro, ibigo nderabuzima na za farumasi 150 byamaze kumvikana na Prime Insurance, ku buryo mu kwezi gutaha abakoresha ubwishingizi bwayo bazaba babigana. Harimo ibitaro byose by’uturere.
Iki kigo kivuga ko intego yacyo ari ukuba icya mbere mu Rwanda mu bwishingizi.
Kimaze gutera intambwe zikomeye aho nk’umuntu ugize impanuka y’imodoka ashobora gusaba gukoresherezwa ikinyabiziga cye binyuze mu ikoranabuhanga, byose bikarangira atageze ku biro bya Prime Insurance.
