Imibare y’Ishyirahamwe ry’Ibigo by’Ubwishingizi mu Rwanda, ASSAR, igaragaza ko mu mezi atandatu abanza ya 2020, byacuruje amafaranga agera kuri miliyari 44 Frw avuye kuri miliyari 41 Frw mu gihe nk’icyo mu 2019. Iki ni kimwe mu bimenyetso by’uko ubwishingizi mu Rwanda butera imbere.
Kimwe n’izindi nzego zitandukanye mu Rwanda, urugendo rwo kwiyubaka ku rwego rw’ubwishingizi n’ibigo birukoramo narwo ntirwari rworoshye kuko byavuye ku bigo bibiri byari bihari nyuma ya Jenoside bigera ku bigo 12 bitanga izi serivisi magingo aya.
Ubwishingizi mu Rwanda bwatangiye mu 1975, ubwo hatangizwaga ikigo cya SONARWA nyuma mu 1984 haza SORAS, yaje gukurikirwa n’ikindi cyashinzwe ahagana muri 1990 cyitwa INGOBOKA gusa cyo nticyaje gutinda.
Nyuma y’urugamba rwo kubohora igihugu na Jenoside yakorewe Abatutsi mu 1994, nibwo uru rwego rwarushijeho gutera imbere ndetse n’umubare w’ibigo by’ubwishingizi urushaho kuzamuka. Nibwo havutse ibindi bigo birimo ibyitwaga CORAR, COGEAR ndetse hatangira no kugenda kuza ibindi bigo by’abashoramari b’abanyamahanga.
Umuyobozi wungirije w’Ishyirahamwe ry’Ibigo by’Ubwishingizi mu Rwanda, ASSAR, Jean-Chyrisostome Hodari, yavuze ko kuri ubu urwego rw’ubwishingizi mu Rwanda rugeze ahantu heza.
Ati “Ubwishingizi mu Rwanda icyo nababwira buhagaze neza ariko haracyari urugendo rwo gukora. Navuga ko rumeze neza kubera ko kuva ku bigo bibiri kugera ku bigo 12 birumvikana ko ishoramari mu bwishingizi ryazamutse cyane, bumeze neza. Ibyo kandi biba bivuze ko na serivisi zitangwa zazamutse ku rwego runini”
Yakomeje agira ati “Iyo urebye no mu mibare usanga amafaranga acuruzwa yaragiye yiyongera, umwaka ku mwaka, ndetse wanareba icyo umushoramari aba ategereje nk’inyungu yagiye iboneka, ku buryo hari ibyagiye bihinduka kandi bigahinduka neza.”
Gutera imbere k’uru rwego Hodari avuga ko babikesha imikorere myiza ya kinyamwuga yimakajwe na ASSAR ifatanyije n’ibigo by’ubwishingizi, kwiyongera kw’inzego zikorana n’ubwishingizi zirimo abahuza mu bwishingizi ndetse n’umugenzuzi w’uru rwego ariwe Banki Nkuru y’u Rwanda ihora ishyiraho uburyo butuma ibigo by’ubwishingizi bikora neza kandi bigacungwa neza.
Iterambere ry’uru rwego kandi rihamywa n’Umuyobozi wa ASSAR, Annie Nibishaka, wavuze ko ashingiye ku mezi atandatu y’umwaka wa 2019 n’atandatu y’uwa 2020, amafaranga ibigo by’ubwishingizi bicuruza agenda azamuka ndetse n’ibihombo bikagabanuka.
Ati “Icyiza gihari ni uko twazamuye amafaranga ava mu byo twacurujze twese (ibigo by’ubwishingizi byose) umwaka ushize twari twacuruje miliyari 41 Frw ariko uyu twacuruje miliyari 44 Frw, urumva ko habayeho kuzamuka ariko twashoboye no kugabanya ibihombo biva kuri miliyari byariho mu mwaka ushize, ubu bigeze kuri miliyoni 500 Frw.”
Haracyari imbogamizi
Zimwe mu mbogamizi urwego rw’ubwishingizi rugihura nazo mu Rwanda harimo umubare muto w’ababwitabira aho kugeza ubu ari 1.7%, ibintu bituma ibigo biri muri uru rwego bitaratangira kunguka neza, cyane ko inyungu ibarwa ibi bigo bifata imisanzu yatanzwe n’abanyamuryango bigakuramo ayo byarishye mu mpanuka zitandukanye, akoreshwa mu bikorwa by’ubwishingizi ndetse n’imisoro.
Hodari yavuze ko indi mbogamizi bakunze guhura nayo ari ijyanye n’icyuho mu mategeko agenga urwego rw’ubwishingizi nk’aho igihe hari umuturage wakoze impanuka, ibigo by’ubwishingizi bisabwa kumwishyura bihereye ku mushahara fatizo w’ibihumbi 90 Frw (ku kwezi) kandi mu by’ukuri atari ko biri.
Ati “Umushahara fatizo niwo duheraho twishyura umuntu wagize impanuka, hanyuma kugira ngo tumenye icyo tumwishyura turabanza tukamenya ubundi yinjizaga angahe ? Kumenya ayo yinjiza hari aho byoroshye, nk’abacuruzi basorera imisoro Leta, imishahara y’abakozi bakorera leta n’abakorera ibigo byanditse, ariko ba bantu badafite akazi gafatika urugero nk’umuhinzi ntabwo tumenya ngo amafaranga tumwishura ni angahe.”
Yakomeje agira ati “Hari igihe cyabaye ntitwumvikane n’abatugana cyangwa n’abagize impanuka mu binyabiziga twishingira. Noneho umucamanza aza guca urubanza, aravuga ati ibihumbi bitatu niyo mwabariraho ku muntu utagira akazi nk’umushahara fatizo. Guhera ubwo, noneho umuturage wese akaza akavuga ngo mumbarire ku bihumbi bitatu , wareba ku kwezi ni ibihumbi mirongo icyenda , ugasanga ni akarengane. Ubwo ni ukuvuga ngo umunyarwanda uhembwa make ni ibihumbi mirongo icyenda, ariko ntabwo ari byo.
Yongeyeho ko “Ayo mafaranga abarirwa uwashakanye n’uwitabye Imana, akabarirwa ababyeyi be, akabarirwa abo bavukana ndetse n’abana yabyaye, ugasanga ikigo cy’ubwishingizi gitanze amafaranga uretse na nyakwigendera n’umuryango wose bateranyije batigeze binjiza ugereranyije n’imyuga bakoraga.”
Kugira ngo ibi bibazo bikemuke Hodari asanga hakwiriye kujyaho amategeko anoze agenga urwego rw’ubwishingizi ariko akanemeza ko batangiye kubiganiraho na leta kugira ngo bikemuke.
Mu bindi Hodari asanga bikwiye gukorwa harimo kuba ubwishingizi bwagirwa itegeko mu Rwanda nk’uko bimeze ku ubw’ibinyabiziga, kuko usanga abantu batishinganishije iyo bahuye n’ibibazo baba umuzigo ku gihugu.
Ati “Hari urundi rwego rw’amategeko rutaragenda neza, uzagera mu bihugu byinshi, uhasange ubwishingizi bw’itegeko; usange buri mu itegeko kuko ari ngombwa […] Hari ahandi uzasanga udashobora kugira abana batagira ubwishingizi, niba ugira icyo winjiza uragira icyo uteganyiriza umwana […] reba amasoko, hari amasoko ashya ugasanga ba nyirayo nta bwishingizi bafite.”
Urwego rw’Ubwishingizi rwitwaye rute muri bi bihe bya COVID-19?
Abayobozi ba ASSAR bavuga ko izindi mbogamizi bahuye nazo ahanini ari izatewe n’icyorezo cya Coronavirus kuko ubwoko bw’ubwishingizi bumwe na bumwe budakora neza ndetse no kuba mu bihe bya Guma mu Rugo ibigo by’ubwishingizi bitarabonaga uko bijya gushaka abakiliya.
Gusa Umuyobozi wungirije wa ASSAR, yavuze ko ibigo binyamuryango byagerageje gufasha no koroherereza abakiliya babyo bagezweho n’ingaruka z’iki cyorezo.
Ati “Yego turabafasha mu buryo butandukanye, nko mu bwishingizi bw’ibinyabiziga rusange, BNR yatwemereye ko dufasha ntibishyure amafaranga y’ubwishingizi ako kanya bakajya bishyura mu bice. Ikindi mu bwishingizi bw’ubuzima, abakozi baba barafashe ubwishingizi bw’ubuzima twemeye ko twajya tubaha kuri ya mafaranga mbere y’igihe.”
“Ubundi ubwo bwishingizi usanga umuntu aba yemerewe gufata ku mafaranga nyuma y’imyaka atatu. Ariko twarabemereye kugira ngo bajye babasha gufata amafaranga mbere y’iyo myaka itatu kugira ngo ajye abafasha no muri iki gihe badafite aho bakura kubera ko akazi kabo kahagaze.”
Kwishingana bikwiye kuba ibya buri wese
Kuba abanyarwanda batarumva ko kwishinganisha bireba buri muntu, umukire n’umukene, ASSAR ivuga ko ariyo mpamvu umubare w’abitabira izi serivisi ukiri muto.
Hodari avuga ko hari impamvu nyinshi zagakwiye gutuma umuntu yishingana. Ati “Umuntu agomba kwishingana kubera ko tutazi ibizaba ejo, tugomba kwishingana kubera ko imitungo yaratuvunnye. Kugira ugende uvunike wubaka ibikorwa runaka, mu gihe gito inkuba, cyangwa inzu yawe ishye mu gihe gito bikaba birarangiye, mu gihe wagatanze amafaranga maze ugasubizwa imitungo yawe.”
“Tugomba kwishigana kubera ko dushobora kwangiza iby’abandi, urugero, uragiye imodoka yawe igonze inzu cyangwa umuntu, wakwishyura iki umuntu ? ushinze uruganda rwawe, ufashe umwenda muri banki, mu gihe gito ibikoreho byawe birahiye. Warishinganye byakoroha ariko se utarabikoze byagenda gute?”
Umuyobozi wa ASSAR, Annie Nibishaka, akomeza avuga ko ibigo by’ubwishingizi bizakomeza gukangurira no kumvisha abanyarwanda ibyiza byo kwishingana kugira ngo umubare w’abagana serivisi z’ubwishingizi urusheho kuzamuka, kandi bikarushaho no kwimakaza imikoreshereze y’ikoranabuhanga muri serivisi zabyo zitandukanye.
Kugeza ubu mu Rwanda hari ibigo by’ubwishingizi 12 aribyo: Sanlam GI, Sanlam Vie, Radiant Insurance, UAP Insurance Company, BK-General Insurance, Prime Insurance, MUA Insurance, May Fair Insurance, Prime Life, Sonarwa GI, Sonarwa Life na Britam Insurance.
Ntirandekura Dorcas
