Ibango le-inshurensi xa ulahlekelwe okanye ugcine umonakalo obangelwa yingozi eqinisekisiwe ngumgaqo-nkqubo wakho womshuwalense. Umgaqo-nkqubo wakho womshuwalense unikezela ukuhlawulelwa kunye nembuyekezo yakho kwilahleko ezikhuselekileyo okanye umonakalo ogcinwe ngendlela owenza ibango.
Imigomo yeeNkcazo zeNtsholongwane eziManyeneyo ziquka ukuqonda ukuchithwa kunye nokulahlekelwa kwangoku
Eminye imigaqo ebalulekileyo enokukunceda ukuba uyiqonde imiba yebango lakho: yiyiphi i-deductible , yiyiphi imali echithwayo kwaye ingaba iyasebenza ekulahlekeni kwakho (ngamanye amaxesha i-deductible iyaxoshwa), kwaye yintoni ukulahleka kwakho .
Ukuba uyazibuza apho ungabona khona i-coverage yakho engundoqo, ke iphepha lokubhengezwa kwenqubomgomo yomshuwalense yilapho uza kufumana le nkcazelo.
Ukwazi okungakumbi ngebango le-inshurensi, ukuba iinkampani zisingatha ibango le-inshurensi kunye neendlela zokufaka iibango zomshuwalense zingathatha uxhalabo kwaye ziqikelele kwinkqubo yebango le-inshorensi kwaye ikuxhobisa ukuba ufumane imali oyifaneleyo kwiimfuno zokubango.
Ngezantsi ungayifumana ingqamaniso yolwazi olubanzi ukukunceda ngeengxelo ezahlukeneyo zomshuwalense kunye nemibuzo, siye sawahlela ngohlobo lwebango ukwenzela ukuba unyuke kwisiqendu omele ufumane ulwazi ngokukhawuleza.
Iinshorensi zamabango e-Intshurensi kwiNkxaso-mali yaseKhaya kunye neNtlawulo
Ngokuxhomekeke kuhlobo lwebango lomshuwalense owenzayo, inkqubo iya kuhluka. Inshshurensi yasekhaya kunye neengxelo zomshuwalense yepropati yakho iya kubandakanya ukudibanisana nabaguquleli, ukufumana imvume yokuqikelela, ukulungisa okanye ukubuyisela izinto.
Ngamanye amanyathelo angakhathaza kwaye adideke ukuba awukwazi ukuba ungalindela.
Ngelishwa, kwishishini, kudla ukungaxhunywanga xa uzama ukufumana ulwazi olufunayo kwiinkampani zakho ze-inshorensi ngexesha lebango. Inqaku lethu, iIthathelo ezili-10: Yeyona nto iNtlekele YeeNkcazo zeeNtshumo ze-Intshumo yasekhaya ziya kukunceda ukuba uqonde ezinye zamanyathelo abalulekileyo xa unesibango esikhulu ekhaya okanye kwindawo yokuhlala.
Enye into ebalulekileyo kumabango yindlela ibango liya kuhlawulwa ngayo. Ngaba uye wakha kwiimeko zemimangalo, okanye uvile abanye bexoxa malunga nokuba bahlawulwa kangakanani kubango. Ukuphendula kwethu kokuqala kukucinga ukuba umntu omnye uhlawulwe ngaphezu komnye kuba kukuba banenkampani yomshuwalense engcono, kodwa oku kulungile. Into yokuqala enquma ukuba imali oya kuyifumana kwibango yintoni uhlobo lokufowunela oyikhethile xa uthenge umgaqo-nkqubo wakho. Inqaku lethu ekukhetheni ikhaya elincomekileyo, i-condo okanye i-inshurensi yezindlu zokuthengisa iquka zonke iinketho kwi-inshorensi yokuhlala yomshuwalense.
Ukuba unemibuzo malunga nokuya kuhlawulwa kwesiqulatho sakho okanye ipropati yakho, ezi zixhobo ziza kunceda:
- Iinjongo Zakho Zakho: Ukuqonda Iphi Iingxowa Zesiqulatho I-inshurensi
- Yiyiphi imida ekhethekileyo kwizinto eziziqu
Zomibini zala manqaku ziyasebenza kunoma yimuphi umntu owenza isiqulatho okanye ibango lomshuwalense wepropati yakho, le nto inokudibana nesahluko somxholo webango lomshuwalense wekhaya, okanye xa wenza ibango njengomnini-mboleki.
Ukuba unezakhiwo ezongezelelweyo kwipropati yakho, eli nqaku linokukunceda uqonde ukuba iyiphi inxenye yomgaqo-nkqubo yakho iya kubhalela ibango lakho lokuvuselelwa, kunye nezinye izakhiwo .
Isiseko sokuLawulwa kweMali yokuLawulwa kweMali: Kuza kuhlawulwa njani ibango?
Ininshurensi yomnini-propati inikezela ezininzi iintlobo zokupapashwa.
Lowo unayo iya kuba nempembelelo ebalulekileyo kwindlela ohlawulwa ngayo kwibango. Funda malunga nokukhetha i-inshurensi yasekhaya eyongezelelekileyo kunye neengxelo zokufunda ukuze ufumane imali eninzi kwibango.
Ukuhlaliswa kweeNkcazo zeCash
Abantu abanexabiso langempela lemali yamabango abayi kufumana imali eyaneleyo kwibango lokuba bafake izinto ezilahlekileyo. Ukuba iziqulatho okanye isakhiwo sakho siqinisekisiwe ngokwexabiso langempela lemali, ngoko uya kufumana ixabiso elithinteleyo ngexesha lokulahleka.
Njengomzekelo oyisisiseko, cinga nje ngolu hlobo: Umdlalo wakho weTV uneminyaka embalwa ubudala, nangona uhlawule imali engama-1000, oko kukuxabisa okwenziweyo namhlanje (xabiso elithinteleyo, cinga "intengo edayiswa kwigaraji") mhlawumbi ibe ngama-$ 500 ngeyona ndlela ifanele ibe ngumzekelo omtsha kunye nendlela enhle ngayo. Leyo xabiso lenkokhelo.
Ngoko kwibango, ukuba isakhiwo sakho kunye neziqulatho zakho zifunyenwe kuphela ngexabiso langempela lemali uza kuba sebunzima kakhulu kuba awuyi kufumana imali eyaneleyo yokubuyisela into olahlekileyo.
UkuHlaliswa kweNdleko zoTshintsho
Indawo yokuhlawula iindleko kunye nesiseko semali yentlawulo yinto engqiqweni kakhulu kunokuba uhlalutyo lwexabiso lemali. Iindleko zokutshintshwa kweendleko zamabango ziyakunceda ukuba ubuye kwiimeko ozikho phambi kokulahleka okanye intlekele ngokubonelela ukulungiswa okanye ukufaka endaweni yezinto eziqinisekisiwe xa unelungelo lokukhawulela ngokwaneleyo ngexesha lokulahleka ukufihla iindleko. Oku kungcono kakhulu kunokufumana imali encinci kwaye kufuneka uphume kwaye uchithe iiveki "igalaji yokuthengisa ukuthenga" ukuze uzame ukubuyisela yonke into, akunjalo?
Ukubambisana Neendawo Zokuhlawula Iindleko Zemivuzo: Ufumana nini Imali?
Ukubanjwa ngokuhlala endaweni yokubheka yile nkampani yakho yenkampani yomshuwalense inokukhetha ukuba uhlawule iintlawulo ezithile uze ubeke endaweni ethile. Ngamanye amaxesha unokufumana ukukhangela isicatshulwa sento oyifunayo, xa usubeka endaweni yento, inkampani inokubuyisela iindleko ezongezelelweyo. Kwezinye iimeko, iinkampani ze-inshorensi zinokukhetha ukuthumela kwiindawo ezithile ezithengisa ngazo, kwaye ufumene izinto zakho apho kwezinye iziganeko oku kukuphepha ukuba ubeke imali phambi. Yonke inkampani iyahluke ke ngoko cela ummeli wakho we-inshorensi ukuba yenziwe ntoni. Kwiingxelo ezinkulu zeentlekele, iinkampani ze-inshorensi ziye zaziwa ukuba zenze izinto zibe lula kwaye zinokukunikezela ngetshekhi okanye imali yokuhlawula imali ukuze uqalise ngezinto ezibalulekileyo kuba ngokukodwa ngexesha leentlekele, amabango angathatha ixesha kunye nabashuseli banokuqiqa xa kuyimfuneko ukuba uhlale unxibelelwano olufanelekileyo.
Kuthiwani Ukuba Ikhaya Lakho okanye Ulwakhiwo Lwenziwe Ngaphandle Kwemangalo?
Kukho inamba ephazamisayo yepropati engaphantsi kwe-US Ukuba ufuna ukungazi ngakumbi malunga nezakhiwo zokwakha kunye nemiba ejikelezayo, ungayifumana le nqaku malunga nendlela ixabiso lokwakha elimiselweyo okanye ukuba lindelwe ntoni xa ufanele uyenze kwakhona emva kwebango .
Ukulungiselela nokuFakela abaNinimzi beeNkampani zaBango lakho
Ukufakela ibango kunokuba kufutshane okanye kubandakanyeke ngakumbi kuxhomekeke kwindlela encinci okanye inkulu kwibango ofuna ukuyifaka. Nazi ezinye izikhokelo eziwusizo eziza kukulindela ukuba kugcinwe inkokhelo yebango le-inshurensi yakho yokufakela inqubo yokukhangela inkululeko.
Indlela Yokulungiselela Ingxelo Yomshuwalense Wakho Xa Unyanzelekile Ukukhupha Ikhaya Lakho
Xa unyanzelekile ukuba uphume ekhaya ngenxa yentlekele ukukhathazeka kokuqala kuyo yonke intsapho kukuqinisekisa ukuba wonke umntu uphephile. Ukukhathazeka ngomonakalo wepropati okwesibini kodwa kubalulekile ukucinga malunga nendlela oza kufaka ngayo ibango lakho yomshuwalense ukuba awukwazi ukufikelela kwikhaya lakho.
Indlela yokuhlawula ityontraki kwingxelo yakho yomshuwalense
Xa kuza ixesha lokufakela ibango le-inshurensi yabanini, kubalulekile ukufumana unkontileka onobulungisa kwaye ohloniphekileyo. Ngelishwa, kukho iikontraki ezixhoba abantu kunye nokuxhalaba kwezinto ezenzeke nje. Nangona abaninzi bala bantu binyanisekile kwaye bahloniphekile, ezinye azikho.
Amabango e-Intshurenti ngabanikazi beCondo: Into enifuna ukuyifumana
I-Condo kunye nabanikazi be-co-op zidinga iintlobo ezikhethekileyo ze-inshorensi ukujongana nesimo esithile. Ukufumana uncedo ekuqondeni ukuxhaswa kwe-inshurensi yakho kwibango ukuba ungumnikazi we-condo okanye umnini-co-op, ungakhangela eli nqaku elibandakanya iziganeko ezahlukahlukeneyo zabanikazi bekhondomu kwaye ziya kukunceda ukuba uqonde indlela abafaka ngayo kuwe kwibango : ICondo kunye neCo-Op ebalulekileyo yoNcedo lweNkxaso yoMshuwalense .
Ukuqonda i-Condo Association Yokubanjiswa Kwemangalo vsVood Condo yakho yeNkcazo-mali
Ukongeza kwindlela yokujonga ngokubalulekayo yokubambisana kunye nabanikazi be-co-op kwikhonkco engenhla ehamba ngedlukwano phakathi kwenkcazo yombutho kunye nenkxaso yakho kwibango kwaye ngubani ohlawulayo, inqaku elithi malunga nokuqonda ukulahlekelwa kohlahlo lwabiwo mali kuya kunceda uyayiqonda into efunyenwe yona njengomnini we-condo xa kukho uvavanyo lokulahleka kunye nendlela olusebenza ngayo.
Ubuncedo beNtsholongwane ye-Car Insurance: Uncedo ngeMangalo ye-Auto
5 Amanyathelo okuFakela ibango lakho le-inshuwalense ye-Auto
Amanyathelo amahlanu ayisiseko ekufakeni isicelo sakho se-inshurensi yemoto ukususela kwisigqibo sokuba kufuneka ufake ifowuni ekulindeni ifowuni esuka kwinkampani yomshuwalense, funda amanyathelo okufuneka uyithathe ukuze ufake isicelo se-inshurensi ye-auto ephumelelayo:
Uncedo lweNtsholongwane yeNkxaso-mali yeeNkcazo zeMpilo kunye neNtsholongwane
Ukufumana iMigaqo-nkqubo ye-inshorensi elahlekileyo
Emva kokuba umntu othandekayo efa, ukufaka ibango le-inshorensi yobomi kunokudideka kwaye kunzima, yintoni embi xa ungumxhamli kwaye awukwazi ukufumana umgaqo-nkqubo, okanye ukuba awukwazi ukuba kukho enye. Inqaku lethu ekufumaneni i-inshorensi yobomi bomshuwalense olahlekileyo iya kunika izibonelelo ozifunayo, unokuzifikelela ngokusebenzisa isiqhagamshelo esingentla.
Ukuba kufuneka Ufake ifom ye-Income ye-inshurensi yezempilo
Ngamanye amaxesha, xa uya kugqirha okanye omnye umboneleli wezonyango, unokuxelelwa ukuba kufuneka uhambise ifomu lakho lebango le-inshurensi. Oku kuthetha ukuba ugqirha okanye indawo ayiyikucela inkampani yomshuwalense wezempilo ukuba uyihlawule ibhilikhi yakho kwaye kufuneka wenze njalo. Ukuba ufanele ufake ifowuni yakho ye-inshorensi yezempilo apha ngamanyathelo oza kuyimfuneko ukuba uthathe kunye namanye amathiphu ancedo ekuhambiseni ifom yebango lakho lebango-inshurensi.
Iingxaki zebango le-inshurensi: Ukuba Ucinga ukuba iMbango yakho iphathwa ngokungafanelekileyo
Iingxaki zenkxaso-inshurensi? Ukhwabaniso Lwenyununu? Yazi amalungelo akho
I-inshurensi yombuso we-inshorensi isombulula amawaka ezikhalazo ngonyaka. Izikhalazo zihluka kwiingxabano kunye nenkampani yomshuwalense malunga nendlela inzuzo yebhashurensi yomntu eyenziwa ngayo kwiingxaki zokuthengisa kunye nenkonzo yomshuwalense. Ukuba uziva ukuba inkampani yakho yomshuwalense ayinakulungile kunye ne-inshorensi yakho okanye umgaqo-nkqubo, unelungelo lokufakela isikhalazo kwi-inshurensi yomgaqo-karhulumente.