Zikhusele kwiimpazamo eziqhelekileyo ngala maziko ase-Inshorensi
Kubalulekile ukuba ube ne-inshorensi eyisiseko. Le yenye yezona mpazamo zezimali eziqhelekileyo abantu abazenzayo.Ufanele uqinisekise ukuba unemali efanelekileyo efunekayo. Kwakhona kubalulekile ukuqaphela ukuba i-inshorensi eyisiseko iya kukhusela i-asethi yakho kunye nemali evela kwengozi okanye kwenye imeko. Nangona kunjalo kuqhelekile ukwenza iimpazamo xa kuziwa kwi-inshorensi. Xa kuziwa kwi-insurance coverage, impazamo inokukuchaphazela ngokwenene ngemali. Nazi iinqununu ezinhlanu eziqhelekileyo eziqhelekileyo zomshuwalense.
01 Ukukhetha Ukungabi NesiNtshumo-siseko
02 Ngaphezu kokuziqinisekisa
Enye iphutha eliqhelekileyo eliya kuba neendleko zokugqithisa. Kunokuba nzima ukufumanisa ubunjani bomshuwalense osisiseko oyifunayo ngokwenene. Oku kuyinyani ngakumbi xa ucinga nge-inshorensi yemfanelo. Kufuneka uthethe kummeli we-inshurensi (ngokuqhelekileyo umntu ozimeleyo ulungile) malunga nefa kunye nendlela enokuzikhusela ngayo. Xa usemncinci, awuyi kufuna i-inshurensi eninzi, kuba awunayo ixabiso lempahla.
03 Ngaphansi kokuziqinisekisa
Enye iphutha eliqhelekileyo kukuziqinisekisa. Oku kunokuba kubi kakhulu, xa uqaphela ukuba i-inshorensi yakho eyintloko ayisayi kubhala iindleko ezifunekayo. Kufuneka uqwalasele inani eliphezulu le-inshurensi yakho iya kuhlawula ngengozi nganye. Ukuba unomshuwalense wezempilo kufuneka uqwalasele inani elikhulu umgaqo wakho uza kuwuhlawula. Iigidigidi zeedola zingabonakala zanele, kodwa ukuba unomdlavuza okanye esinye isifo esibalulekileyo iindleko zokunyamekela zingadlula loo mali.
04 Ukufumana i-Intsholongwane engalunganga
Unokuba nezintlobo ezingekho phantsi kwe-inshurensi eyisiseko okanye imigaqo-nkqubo eninzi. Unokuchitha imali yakho yokuthenga imigaqo ongeke ukuyisebenzisa. Ukuba usemncinci akufuneki ukuba ufumane zonke iintlobo ze-inshorensi ezikhoyo. Kufuneka uqinisekise ukuba uyayiqonda imigaqo oya kuyenza. Ukuba uyayiqonda into oyibhalisele yona akuyi kumangaliswa xa kufika ixesha lokufaka ibango.
05 Akungathengi ngeNkqubo entsha
Kubalulekile ukuba uthengise umgaqo-nkqubo we-inshorensi . Kufuneka wenze oku njalo kwiminyaka embalwa. Ungagcina imali ngokutshintshela kumgaqo omtsha . Ukongezelela kufuneka ukhangele imigaqo-nkqubo eyenza izaphulelo apho usebenza khona okanye apho uye khona ekolishi. Ayithathi ixesha elide ukuthenga ngeenxa yomshuwalense kwiminyaka emibini. Oku kuya kukunceda ugcine izinga lakho liphantsi.