Ubwishingizi bw’amashuri bushobora kugena indezo ku mwana wapfushije umubyeyi

Yanditswe na IGIHE
Kuya 7 Kamena 2018 saa 07:42
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Uko bucyeye ikiguzi cy’uburezi mu Rwanda kirushaho kuzamuka, bituma kwishyura amafaranga y’ishuri bibera umutwaro ababyeyi bamwe bitewe n’uko batabiteguye hakiri kare.

Bumwe mu buryo bwo guhangana n’iki kibazo ni uguteganyiriza umwana hifashishijwe banki, gushora imari mu bikorwa biramba cyangwa kwisunga ibigo bitanga serivisi z’ubwishingizi bw’amashuri y’abana.

Ibi bigo bigenda byiyongera mu gihugu ndetse abanyarwanda barushaho kumva akamaro k’ubwishingizi bw’amashuri y’abana bityo ababwitabira na bo bakiyongera.

Kwinjiza umwana mu bwishingizi bw’amashuri ni igikorwa umubyeyi akora amutangira umusanzu buri kwezi mu kigo runaka cy’ubwishingizi kugira ngo nagera igihe cyo kujya mu ishuri kizamufashe kwishyura bitamugoye.

Umubyeyi ashobora gushingana umwana wamaze kuvuka cyangwa uwo ateganya kubyara, mu byiciro byose by’amashuri bitewe n’icyo ahisemo.

Ushaka kwinjira mu bwishingizi bw’amashuri y’abana agomba kuba atarengeje imyaka 60 y’amavuko kandi afite ubuzima bwiza bumwemerera gukora nk’uko Umuyobozi Mukuru wa SORAS Vie Ltd, Hodari Jean Chrysostome, yabisobanuye.

Hodari uvuga ko nibura abantu 200 buri kwezi bagana Soras Vie bashaka serivisi z’ubwishingizi bw’amashuri y’abana, yongeyeho ko ingano y’amafaranga y’umusanzu wa buri kwezi umukiliya wa Soras Vie atanga iterwa n’ubushobozi bwe, icyakora ntajya munsi ya 5000 ku kwezi.

Iyo uwatangaga imisanzu yitabye Imana atararangiza kuyitanga, Soras Vie yishyurira uwo yayitangiye nk’uko amasezerano abiteganya.

Yagize ati “Aho bitandukaniye n’ubundi bwizigame bwo muri banki ni uko iyo twagiranye amasezerano yo gutanga imisanzu imyaka 18, iyo witabye Imana umaze kuyatanga umwaka umwe ya mafaranga twemeranyijwe turayatanga, ni yo mpamvu tubyita ubwishingizi.”

Umuyobozi Mukuru wa SORAS Vie Ltd, Hodari Jean Chrysostome

Uwateganyirizaga amashuri y’umwana ashobora gusubizwa imisanzu yatanze

Umuyobozi Mukuru wa Prime Life Insurance, kimwe mu bigo bitanga ubwishingizi bw’amashuri y’abana, Minani Gregoire, yatangarije IGIHE ko ku ruhande rumwe ubu bwishingizi ari nko kwizigamira kuko uwabwinjiyemo ashobora no gusubizwa imisanzu yatanze mu gihe abikeneye.

Minani yavuze ko umubyeyi ufashe icyemezo cyo gushinganisha amashuri y’umwana we iyo apfuye cyangwa akagira ubumuga bwa burundu, Prime Life itanga indezo igihe cyo kujya mu ishuri cyagera igatangira kwishyurira umwana icyiciro umubyeyi yashakaga.

Ati "Iyo umubyeyi akiriho umwana yishyurirwa nk’aho yizigamiye, yaba atakiriho akishyurirwa hakoreshejwe ubwishingizi."

"Umuntu ni we uhitamo icyiciro cy’amashuri ashaka ariko tugira inama ababyeyi gutekereza kuri kaminuza kuko umubyeyi azabona igihe kirekire cyo gutanga imisanzu ariko iyo umubyeyi yitabye Imana cyangwa akagira ubumuga bwa burundu, dutangira guha wa mwana indezo."

"Niba umwana yari akiri mu mashuri abanza iyo ndezo izamwishyurira icyo cyiciro wongeyeho icy’amashuri yisumbuye kuko dutanga kimwe cya kabiri cy’ayo tuzamwishyurira muri Kaminuza."

Umusanzu ushaka guteganyiriza umwana asabwa gutanga buri kwezi ugenwa bitewe n’ingano y’amafaranga y’ishuri ndetse akabarwa hakurikijwe imyaka y’umubyeyi n’iy’umwana.

Urugero ku muntu utanga amafaranga 12000 buri kwezi ku mwana ufite imyaka ibiri ubu, byamusaba kuyatanga imyaka 16 (kuko azajya muri kaminuza afite 18) kugira ngo umwana azabashe kujya yishyurirwa nibura ibihumbi 600 buri mwaka.

Igihe umubyeyi akiriho amafaranga yatanze aba ataraba ay’umwana n’iyo ashatse arayasubirana iyo hashize imyaka ibiri atanga imisanzu nk’uko Minani yakomeje abisobanura.

Iyo umwana wishingiwe yitabye Imana umubyeyi yemerewe gusubirana amafaranga yatanze kimwe n’iyo bibaye ngombwa ko yimuka mu gihugu ariko icyo gihe ayasubizwa bitabaye ngombwa gutegereza imyaka ibiri.

Prime Life yahoze yitwa Cogear Vie yatangiye gukora mu 2001 ; mu bafashe ubwishingizi bw’amashuri y’abana icyo gihe hari abarangije kaminuza.

Abagera ku bihumbi 3000 bamaze gufata ubwishingizi bw’amashuri y’abana babo; abagera kuri 12 bamaze kwishyurirwa, 48 bari kwishyurirwa amashuri yisumbuye na kaminuza ndetse hari na ‘bake’bari guhabwa indezo.


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