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Intengiso:

Bhrawuza Iinkonzo zeinshurensi ngaphakathi Amazwe Amanyene okanye uluhlu lweyakho. Yenza intengiso, uthengise ipropathi yakho, udwelise i-let

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I-United States yaseMelika (i-USA), eyaziwa njenge-United States (i-US okanye i-US) okanye iMelika, lilizwe elinamazwe angama-50, isithili semanyano, imimandla emihlanu eyolawulo ngokuzimeleyo, kunye nezinto ezahlukeneyo. Kwi-3.8 yezigidi zeekhilomitha (i-9.8 yezigidi zeekhilomitha), lilizwe lesithathu okanye ilizwe lesine ngobukhulu bephelele. Uninzi lwelizwe luphakathi kuMbindi Merika phakathi kweCanada neMexico. Ngokomyinge oqikelelwa kwizigidi ezingama-328, i-US lelona lizwe linabantu abaninzi emhlabeni (emva kwe China ne India). Idolophu enkulu yiWashington, DC, kwaye eyona dolophu inabantu abaninzi sisiXeko saseNew York. Ama-Paleo-maIndiya afuduka eSiberia aya kwilizwe laseMntla Merika kwiminyaka eli-12000 eyadlulayo. Ubukoloniyali baseYurophu baqala ngenkulungwane ye-16. I-United States ivele kwi-16 yemikhosi yase-Bhritane esekwe ecaleni kwe-East Coast. Iimpikiswano ezininzi phakathi kweGreater Britain kunye neekoloni zakhokelela kwiMfazwe yaseMelika yoQhushululu ehlala phakathi kuka-1775 no-1783, ikhokelela kwinkululeko. I-United States yaqala ukwanda okuzinzileyo kuMntla Merika yonke le nkulungwane ye-19-ngokuthe ngcembe yafumana amasimi amatsha, yagxotha abantu baseMelika baseMelika, kwaye yamkela amazwe amatsha-de kwangowe-1848 xa yaqala ilizwekazi. Kwisiqingatha sesibini senkulungwane ye-19, imfazwe yamakhaya yaseMelika yakhokelela ekuphelisweni kobukhoboka eUnited States. Imfazwe yaseSpeyin naseMelika kunye neMfazwe Yehlabathi I yaqinisekisa imeko yelizwe njengamandla omkhosi wehlabathi. I-United States yavela kwiMfazwe yesibini yeHlabathi njengeyona gunya liphezulu lehlabathi. Yayililizwe lokuqala ukwenza izixhobo zenyukliya kwaye lilizwe kuphela ababelisebenzisa emfazweni. Ngexesha loMlo obandayo, i-United States kunye ne-Soviet Union bakhuphisana kwi-Space Race, befikisa ngo-1969 Apollo 11, ukukhanya kwesibhakabhaka okwafika okokuqala emhlabeni eNyangeni. Ukuphela kweMfazwe ebandayo kunye nokuwa kweSoviet Union ngo-1991 kwashiya iMelika njengeyona ndawo inamandla emhlabeni. I-United States yiriphabliki yomanyano kunye nedemokhrasi emele inkululeko. Lilungu elisekwe kwiZizwe eziManyeneyo, iBhanki yeHlabathi, iNgxowa-mali yeMali yeHlabathi, uMbutho waseMelika (OAS), NATO, kunye neminye imibutho yezizwe ngezizwe. Ililungu elisisigxina le-United Nations Security Council. Ilizwe eliphuhliswe kakhulu, iUnited States yeyona ndawo yezoqoqosho enkulu kwihlabathi nge-GDP, eyesibini ngobukhulu ngokuthenga amandla ombane, kwaye inika ingxelo malunga nekota ye-GDP yehlabathi. I-United States yeyona mveliso yokungenisa elizweni kunye nelesibini ngobukhulu kwiimpahla, ngexabiso. Nangona inani labemi liphela nge-4% yetotali yehlabathi, ibambe ama-29.4% obutyebi obugcweleyo kwihlabathi, esona sabelo sikhulu sobutyebi behlabathi sijolise kwilizwe elinye. Ngaphandle kokungafaniyo kwengeniso kunye nobutyebi, i-United States iyaqhubeka nokubekwa kwinqanaba eliphezulu kumanqanaba okusebenza kwezentlalo, kubandakanya nomvuzo ophakathi, umvuzo ophakathi, ubutyebi obuphakathi, uphuhliso lomntu, iprita GDP nganye kunye nemveliso yabasebenzi. Yeyona nto iphambili kwezomkhosi emhlabeni, zenza ngaphezulu kwesithathu kwinkcitho yomkhosi wehlabathi, kwaye yindawo ekhokelayo kwezopolitiko, kwinkcubeko nakwinzululwazi yezizwe ngezizwe.

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I-inshurensi yindlela yokhuselo ekulahlekelweni yimali. Luhlobo lolawulo lomngcipheko olusetyenziswa ikakhulu ukubiyela umngcipheko welahleko enokubakho, yokungaqiniseki. Umbutho obonelela i-inshurensi yaziwa ngokuba ngumshuwalense, inkampani ye-inshurensi, okanye inkampani yeinshurensi. Umntu okanye iziko elithenga i-inshurensi laziwa njenge-insured okanye umnikazi wepolisi. Intengiselwano ye-inshurensi ibandakanya ukufumana i-inshurensi uthatha into eqinisekisiweyo neyaziwayo encinci yokulahleka kwindlela yokuhlawula kumnkampani weinshurensi xa kuthe kwenzeka ngelahleko eligutyungelweyo. Ilahleko isenokungabikho okanye ingekho semalini, kodwa kufuneka ihlawulwe ngokwemibandela yezemali, kwaye kufuneka ibandakanye into apho i-insured inenzala enganyangeki esekwe bubunini, ubunini, okanye ubudlelwane bepension. Umgcini weinshurensi ufumana ikhontrakthi, ebizwa ngokuba ngumgaqo-nkqubo weinshurensi, ochaza imigaqo neemeko apho i-insured iya kuhlawulwa ngemali. Isixa semali esityalwa yi-inshurensi i-insured kwi-insulin yokuhlawulwa kwemali ebekiweyo kumgaqo-nkqubo weinshurensi kuthiwa yiprimiyamu. Ukuba i-inshurensi iva ilahleko enokuthi igqunywe ngumgaqo-nkqubo we-inshurensi, i-inshurensi ingenisa ibango kum inshurensi ukuze ilungiswe ngummeli wamabango.

Source: https://en.wikipedia.org/