Waa maxay Caymisku (Insurance)? ..Qalinka: Prof Cabdisamad Xaaji Maxamed

Waa maxay caymisku/ The Concept of Insurance?Sidee ayuu u shaqeeya Caymisku/ Functions of insurance

1. Caymisku waa heshii u dhexeyaa la caymiyaha iyo cida caymiska bixineysa(Insured and Insurer- Insurance Company, waa shardiga koowad ee laga doonayo marka la doonayo in caymis la sameeyo

2. Company da caymiska bixiyaa waxay noqon karaan kuwo ay dawladu leedahay ama kuwa dad gaari leyahay (Public and Private Company)

3. Caymisku waxa uu ku shaqeeya xeerar ama shuruuc(Insurance Law) kuwaas oo sheega qaabka iyo waxa lagu heshiinayo(Waa heshiis dhex maraya laba dhinca- (Insured and Insurer)

4. Ujeeda ugu weyn ee laga leeyahay caymiska waa in (ilaahay inaguma keene) laga hortago ama la lamaamulo khatarah(Risk Management)Wax kastaana waxay ku xidhan yihiin qadarka Alle

5. Caymiska waxaa asal u ah iney jirto khatar(Risk) taas oo la darsi karo waxyeeladeeda ama inta uu xajmiga khatartaasi leeg yahay

6. Waxaa shardi ah cida caymiska gelaysaa iney bixiso laga lacagtaas oo loo yaqaano- Premium halka Company Caymiska bixinayaa uu bixin doono magadhaw haddii khatari ku timaado cidaa la caymiyey lacagta uu bixinaayona waxaa loo yaqaana- Cost of Replacement

7. Caymiska reer galbeedka- Conventional iyo kan islaamku waa uu kale duwan yahay- Islamic Princile of Insurance (inagu Somaliland ahaan waxay qaadneynaa kan Islamic Principle of Insurance oo macnihiisu yahay Premium ka uu qofku bixiyo hadii khatari ku iman weydo Sannadkaa gudihiisa waa in qeyb ka mida lacagtii uu bixiyey loo celiyo oo ah intaa lagu heshiiyey, iyo labada dhinac ay isla qiyaasayaan inta la ceymiyaha(Insured) loo celinaayo

8. Waxaa jira nooc caymis ah oo loo yaqaano Gambling- Waan Khamaar, Shareecadan kuma banana oo waa khiyaamo macnaheedu yahay hel ama waa(Waa khiyaamo ku saleysan wax is-dabamarin)

9. Noocyada Caymisku waa uu badan yahay laakin inta badan waxaa loo kale saara guudahaan nooc khasaarihiisa la qiyaasi karo ama la ogaan karo ama hab loo raaco leh- Pure Risk iyo nooc aan la garan Karin khasaaraha dhaci doona inta uu leeyahay ama sida loo qiyaaso oo ku dhisam mala awaal- Speculative Risk

10. Noocyaa khataraha ee la-caymiyaa wey badan yihiin laakin inta ugu badan waa kuw loo yaqaano, Caymiska shakhsigaa, Personsal Risk (Personal Insurance ayaa lagu daweeya), Property risk (Property Insurance ayaa lagu daweeya) iyo Liability Risk (Liability Insurance ayaa lagu daweeya

11. Guudahaan marka khataraha caymiska la baadhyo waxaa loo eega laba nooc oo kale ah khatartu ma si ula kaca ah ayaa loo sameeyey mise khatartu in aan ula kac aheyn oo accident ah ayey u dhacdey( Intentional Risk and Unintentional Risk)- Haddii baadhitaanka lagu ogaado iney khatartu u dhacdey si accidentka ama shir companyngu khasaaraha soo gaadhey cida la caymiyey waa uu bixinayaa haddii baadhitaanka lagu ogaado inuu khasaarahaasi u dhacay si ula kac ah Company caymisku ma bixinaayo khasaaraha- waxan oo dhan heshiiska ayaa lagu cadeynayaa(Insurance Contract, Insurance Contract Management)

12. Company kasta oo caymis bixinayaa waa inuu marka hore heysta capital (Lacag ku filan inta shay ee uu caymis gelinaayo) ama hanti uu khasaaraha ku mag dhabi karo

13. Ugu danbeyntii caymisku waxa uu ku shaqeeya qawaanin ama ma’baadii kuwaas oo u dhexeeya company caymiska bixinaaya iyo cida la ceyminaayo(Insured and Insurance company) si looga fogaado khiyaamada iyo wax is daba marinta

Qoraalkan Kooban waxaa uu fahm hor dhaca u yahay Caymiska- Insurance iyo Sida uu u shaqqeyo iyo shuruudaha laga doonayo Insurance Company- Insurer iyo la caymiyahay- Insured iyo waxay ku heshiinayaan(Waa in la sameeya Caymiska ay shareecadu ogoshahay- caymiskuna maaha Khasab ee waa ikhtiyaari- Optional. Cidii doontana wey geli kartaa cidii kale wey iska deyn karta)

Barre Sare (Senior Lecturer- Abdisamad H. Mohamed)