Muri ubu bwishingizi, hazatangwa serivisi zigenewe abantu ku giti cyabo, ibigo binini ndetse n’ibigo bito n’ibiciriritse, aho buzagira uruhare mu kunoza serivisi z’ubwishingizi imbere mu gihugu, mu Karere ka Afurika y’Iburasirazuba ndetse no ku rwego mpuzamahanga. Buzatangira gukoreshwa ku wa 1 Mutarama 2022, mu mavuriro atandukanye.

Prime Medical Insurance yateguwe n’abahanga mu bya serivisi z’ubuvuzi, ubu bwishingizi bukazafasha abakozi n’imiryango yabo kubona mu buryo bworoshye inama z’abaganga, ubuvuzi n’ubufasha mu Rwanda, Afurika y’Iburasirazuba n’ i Burayi mu gihe bibaye ngombwa.

Ubu bwishingizi bugabanyije mu byiciro bibiri bitandukanye birimo Isonga na Imena.

Mu cyiciro cya Isonga habarizwamo abantu ku giti cyabo n’imiryango ikeneye ubwishingizi bwo kwivuza. Abafite ubwo bwishingizi bazabasha kwivuriza mu Rwanda, Afurika y’Iburasirazuba, u Buhinde n’u Burayi.

Muri iki cyiciro harimo inzego eshatu zirimo 'Ingenzi' aho amafaranga make ashobora kuvuza ufite ubu bwishingizi ari miliyoni 5 Frw, Isano ya miliyoni 9 Frw mu gihe Ijabo ari miliyoni 15 Frw.

Imena ni ubwishingizi buzajya buhabwa abakozi b’ibigo runaka cyangwa itsinda ry’abantu guhera nibura ku bantu 10. Muri iki cyiciro harimo amabanki, imiryango itari iya Leta, abikorera, ibigo bito n’ibiciriritse n’abandi.

Ibisabwa kugira ngo umuntu ahabwe ubwo bwishingizi ni amazina, imyaka y’abanyamuryango, isano n’icyemezo cy’ubuzima ku muntu urengeje imyaka 50 ku cyiciro cy’Isonga.

Ku cyiciro cya Imena, ibikenerwa ni amazina y’ikigo, abakigize, abagize umuryango, n’icyemezo cy’imyaka itatu ku bigo bisanzwe bikora.

Umuyobozi Mukuru wa Prime Insurance, John Mirenge, yavuze ko bakoze ibishoboka byose kugira ngo bagere ku rwego rwo gutanga ubwishingizi mpuzamahanga.

Ati “Itsinda ryacu ryakoze uko rishoboye rishaka igisubizo cya serivisi z’ubuzima ku rwego mpuzamahanga kidatanga ubwishingizi bwo ku rwego mpuzamahanga no kongera ubushobozi gusa ahubwo gishyira mbere na mbere ku isonga imibereho myiza y’abakiliya.”

Yakomeje ati “Twatangaga byose ntidutange ubwishingizi bwo kwivuza, biradushimisha kuba tugiye gutanga serivisi zuzuye kuko umuntu yavuga ko twari dufite serivisi zicagase.”

Yijeje Abanyarwanda ko bazatanga serivisi inoze mu birebana no kwishyura ibyakoreshejwe uhereye kuri za Pharmacy n’amavuriro ngo kuko “Iyo umuntu arwaye niho aba akeneye ubufasha bw’umwishingizi we”.

Buri kibazo gikeneye ubuvuzi kizajya gisuzumwa ukwacyo n’itsinda ry’inzobere mu buvuzi. Mu biteganyijwe harimo ubuvuzi bw’amaso, ubw’amenyo, serivisi zifasha abari mu ngendo zaba izigenerwa umuntu ku giti cye cyangwa ikigo n'ibindi.

Uko ibiciro bihagaze

Umuyobozi ushinzwe Ishami ry’Ubwishingizi mu by’Ubuvuzi, René Mwizere yasobanuye ko uzakenera ubwishingizi mu by’ubuvuzi azajya yerekwa buri cyiciro yihitiremo ibizajya mu bwishingizi akeneye, ari naho igiciro kizaba gishingiye.

Yagaragaje ko mu gihe umunyarwanda yafashe ubwishingizi bwose, ashobora gutanga guhera ku bihumbi 200 Frw akaba yemerewe kuvuzwa agera kuri miliyoni 5 Frw mu mwaka.

Yakomeje ati “Birashoboka ko ku muryango w’abantu bane bashobora gutanga nibura guhera kuri miliyoni 2 Frw ku bifuza ubuvuzi bwo mu mahanga.”

Mwizerwa yavuze ko ku kijyanye n’uburyo abantu bishyurirwa biterwa ahanini n’ibyo umukiliya yifuza akabyumvikanaho na Prime Insurance mbere yo guhabwa ubwishingizi.

Ati “Ubwishingizi bwacu buratandukanye, umuntu ashobora kutubwira niba tuzajya tumwishyurira 100% cyangwa ijanisha runaka. Ibyo byose dufite ubushobozi bwo kubikora bizaterwa n’amahitamo y’abatugana.”

Umuyobozi ushinzwe ibikorwa by’ubucuruzi muri Prime, Uramutse Régis, yavuze ko uru rwego ruzagira abakozi bazajya bafasha abagana amavuriro atandukanye mu Rwanda bagamije korohereza abakiliya.

Yagaragaje ko hariho gahunda yo gukurikirana amafaranga y’ubwishingizi yatanzwe by’umwihariko n’umuntu ku giti cye ariko ntabwivurizeho na rimwe, akaba ashobora kuyasubizwa cyangwa akayaheraho umwaka ukurikiyeho.

Kugeza ubu Prime Insurance imaze kugirana imikoranire n’amavuriro agera ku 150 hirya no hino mu gihugu yiganjemo ibitaro by’uturere na za farumasi.

Umwihariko w’ubu bwishingizi ni uko mu gihe umuntu agiye kwishyura ashobora gusaba ubuhwanye n’ubushobozi bwe, agahitamo kwivuriza mu Rwanda gusa cyangwa mu mahanga.

Prime Insurance Ltd kandi igira urubuga rumenyekanishirizwaho impanuka https://loan.prime.rw/primeonlineservices/ mu rwego rwo korohereza abakiliya bayo bahuye n’impanuka bikihutisha ubwishyu bwabo.

Iki kigo kinafite ikoranabuhanga ryifashisha telefoni aho abafatabuguzi bakanda *177# ku mirongo yose y’itumanaho mu Rwanda, bakoroherwa no kureba igihe ubwishingizi bw’ibinyabiziga buzarangirira, uko imisanzu yabo ihagaze yaba iy’amashuri, iy’izabukuru n’iy’ubwishingizi bw’umuryango, kwishyura ibirarane no kugura ubwishingizi bw’umuryango.

Gifite umwihariko wo kwishyura vuba uwagize impanuka kuko nk’itarengeje miliyoni 1 Frw yishyurwa ako kanya; izindi zikishyurwa bitarenze iminsi ibiri dosiye yishyuza yuzuye, kandi ni na wo mujyo bifuza gukomerezaho mu bwishingizi bwo kwivuza bugiye gutangizwa.

Kugeza ubu, Prime Insurance yari ibumbiyemo ibigo bibiri bitanga ubwishingizi bw’igihe gito n’ubw’igihe kirekire butangwa na Prime Life Insurance Ltd.

Ubwishingizi bw’igihe gito bukubiyemo ubw’ibinyabiziga by’ubwoko bwose, ubw’inkongi z’umuriro/ububungabunga umutungo, ubw’imizigo, ubw’impanuka zonona umubiri, ubw’imirimo ijyanye n’inyubako z’ingeri zose n’ubw’ingendo zo mu kirere.

Ubwishingizi bw’igihe kirekire burimo ubw’amashuri y’abana, ubw’inguzanyo z’amabanki, ubw’izabukuru, ubw’impanuka zitewe n’akazi n’ubw’umuryango.

Prime Insurance yashinzwe mu 1995, icyo gihe yitwaga Cogear Ltd, Ikigo cy’ubwishingizi rusange cyemewe na Banki Nkuru y’u Rwanda.

Imaze kugaba amashami arenga 60 mu gihugu mu kwegereza Abanyarwanda serivisi zinoze kandi zihuse.

Amafoto: Shumbusho Djasiri