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&Ccedil;far&euml; &euml;sht&euml; sistemi Bonus-Malus?
Sistemi Bonus-Malus &euml;sht&euml; nj&euml; mekaniz&euml;m q&euml; nd&euml;rmjet&euml;son koston e sigurimit bazuar n&euml; historikun e d&euml;meve t&euml; personit t&euml; siguruar. N&euml;se gjat&euml; periudh&euml;s s&euml; sigurimit nuk jepen d&euml;me t&euml; deklaruara, p&euml;rfitoni nj&euml; ulje n&euml; premium (bonus). N&euml; rast t&euml; d&euml;meve, primi rritet sipas shkall&euml;s s&euml; riskut (malus).
Si funksionon?
<ul style="margin-top: 0cm;" type="disc">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list 36.0pt;">Klasa hyr&euml;se: T&euml; gjith&euml; personat q&euml; p&euml;r her&euml; t&euml; par&euml; marrin sigurimin, fillojn&euml; n&euml; shkall&euml;n baz&euml; (11) q&euml; p&euml;rkon me primin 100%.</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list 36.0pt;">Bonus (mosdeklarim i d&euml;meve): N&euml;se gjat&euml; nj&euml; viti nuk deklaroni d&euml;me, p&euml;r vitin pasardh&euml;s kaloni nj&euml; shkall&euml; m&euml; posht&euml;, deri n&euml; shkall&euml;n 1 (45%).</li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list 36.0pt;">Malus (deklarim i d&euml;meve): P&euml;r secilin d&euml;mtim, shkalla e primas rritet me 3, deri n&euml; maksimalisht klas&euml;n 19 (250%).</li>
</ul>
Tabela e shkshkall&euml;ve Bonus-Malus:
<table class="MsoNormalTable" style="width: 49.4583%; height: 1087.81px;" border="0" width="60%" cellpadding="0">
<thead>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
Klasa
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px;" width="57%">
P&euml;rqindja e primas
</td>
</tr>
</thead>
<tbody>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
1
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
45 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
2
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
50 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
3
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
55 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
4
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
60 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
5
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
65 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
6
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
70 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
7
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
75 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
8
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
80 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
9
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
85 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
10
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
90 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
11 (klasa hyr&euml;se)
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
100 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
12
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
105 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
13
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
120 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
14
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
140 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
15
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
160 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
16
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
180 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
17
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
200 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
18
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
225 %
</td>
</tr>
<tr style="height: 54.3906px;">
<td style="width: 42.4292%; padding: 0.75pt; height: 54.3906px;" width="42%">
19
</td>
<td style="width: 57.5293%; padding: 0.75pt; height: 54.3906px; text-align: center;" width="57%">
250 %
</td>
</tr>
</tbody>
</table>
P&euml;rfitimet kryesore p&euml;r qytetar&euml;t:
<ul style="margin-top: 0cm;" type="disc">
<li class="MsoNormal" style="mso-list: l1 level1 lfo2; tab-stops: list 36.0pt;">Transparent&euml; dhe e drejt&euml;: Kushtet bazohen vet&euml;m n&euml; historikun e d&euml;meve, jo n&euml; aspektet administrative.</li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo2; tab-stops: list 36.0pt;">Stimul p&euml;r sjellje t&euml; sigurt: Vozit&euml;sit t&euml; kujdessh&euml;m p&euml;rfitojn&euml; nga ulje n&euml; prim&euml;.</li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo2; tab-stops: list 36.0pt;">Rregullore m&euml; elastike: Nuk penalizoheni p&euml;r vonesa administrative, n&euml;se nuk ka d&euml;me t&euml; raportuara.</li>
</ul>
&nbsp;

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