Udinga i-inshorensi xa ungeke ukwazi ukufumana kwakhona ukulahleka kwezemali ngokwakho usebenzisa imali yakho okanye imali yakho. Njengoko ukonga kwakho kukhula, kwaye ubomi bakho buguquka, imfuno yakho yomshuwalense kufuneka ihlolwe.
I-inshurensi into oyithengayo ukukhusela indlela yokuphila okanye umgangatho wokuphila ukuba into engalindelekanga iyenzeka ukukhusela ubunzima.
Uhlawula i-premium kwinkampani yomshuwalense nayiphi na into ofuna ukuyiqinisekisa, kwaye ke, ukuba kukho into ehamba kakuhle, baya kukunyamekela ngemali.
Yiyiphi i-inshurensi oyifunayo? Isikhokelo esisisiseko
Isinyathelo sokuqala ekuqondeni uhlobo luni ye-inshurensi oyifunayo ngokwenene kukuqonda ukuba kutheni uthenge i-inshorensi .
- Ukuba uthengisa i-inshorensi ukukhusela into engayi kuba nefuthe ekubambeni ubomi bakho, okanye ukuba unokukwazi ukuzinyusa usebenzisa imali yokugcina imali, mhlawumbi awuyidingi loo inshorensi.
- Ukuba uthengisa i-inshorensi ukukhusela impilo yakho, imeko zakho zokuhlala, okanye ukuzinza kwezemali kwintsapho ngenxa yokuba awukwazi ukufumana inyelo yemali efanayo, mhlawumbi ke ukhetha ukhetho olufanelekileyo ekuthengeni i-inshurensi.
7 Uhlobo lwe-Intshurenti kwiBhajethi:
- Ikhaya leNkcazo yeMpahla kunye neZiqulatho
- Inyhuwalense yeNtlawulo (ifakwe kwi-inshurensi yokuhlala)
- I-Intshurensi yeeNkcitho eziNgezelelweyo (ezibandakanya nge-inshurensi yokuhlala
- Izinketho zeeNqwelo
- Khu bazeka
- Inshorensi yobomi
- I-inshorensi yempilo
Akunakudingi zonke iintlobo ze-inshurensi, kodwa ukuqonda indlela abakhusela ngayo kunokukunceda ukuba unqume ukuba uninzi olunjani olusekelwe kwisigaba sakho sokuphila, kwaye xa ufuna.
Intshurensi yePropati
Ipropati yakho yomshuwalense ikhusela impahla yakho. Inkcitho yomshuwalense oqhelekileyo yintlupheko yintlupheko ihambelana nexabiso lakho le- insured ekhaya , isiqulatho sakho somntu okanye imoto yakho Inyhuwalense yemfanelo ingabandakanywa nenye yale nshurensi ukukhusela kwiimali zomthetho , ukukhusela okanye iindleko ezihlobene nobunikazi bakho, ukusetyenziswa kwepropati.
okanye izenzo zakho emhlabeni jikelele.
I-TIP: Gcina imali kwiindleko ze-inshurensi zakho ngeentlawulo eziphezulu, okanye ngokujonga kwiinkqubo ezahlukeneyo zokufumana i-inshorensi yasekhaya .
Xa uthabatha i-deductibles ephezulu, "uqinisekisa ukuba uninzi lwepropati yakho, ngoko uthabatha inshuwalense encinane kwinkampani yomshuwalense. Funda kabanzi malunga nokusebenzisa i-Higher Deductible yokuGcina imali
Ingaba Inkontileti Yempahla Yomntu Wakho Umntu Unayo?
Ukuba uhlawula imali yakho, uya kufunwa ukuba uthathe i-inshurensi kwindawo yakho (njengekhaya okanye imoto). Abaqalayo-abathengi basekhaya bahlala befuna uqinisekiso lwe-inshurensi ngemali yabo yokuthenga. Uya kufuna ukufumana i-inshorensi ukugubungela ixabiso lakho lokwakha ikhaya lakho , kwaye uqwalasele iingenelo zokufumana ukhuseleko lwamaxesha onke ukuvumela ukhuseleko olubanzi kunokwenzeka. Funda kabanzi " Yintoni inomngcipheko we-inshorensi yonke" .
Iziqulatho kwiNdlu yakho kunye nezinye izinto ezizimeleyo
Ukuba awunalo ikhaya, okanye ukuba inani lezinto ezibhalwe ekhaya lakho liphezulu kunexesha eliqhelekileyo, unokuqwalasela ukufaka umxholo wakho kumntu okhwela okanye ngomgaqo-nkqubo womnini-ntanethi okanye umshwalense we-condo .
Ukudala i- inventory yasekhaya kuza kukuxelela ukuba yintoni inshuwalense oyifunayo kwipropati yakho. Funda kabanzi malunga nokubuyiswa kwexabiso kunye neenkcukacha zexabiso lokubaluleka kweeCash ezichaphazela imali enokuyifumana kwiqulatho okanye isakhiwo sakho.
Ukukhusela apho Uhlala khona
Cinga impembelelo yokulahlekelwa apho uhlala khona kwiinyanga ezimbalwa ngenxa yomonakalo wamanzi, umlilo, okanye amanye amabango. Ngaba uya kukwazi ukuhlawula indawo yokuhlala kuyo ngaphandle kwe-inshorensi? Ukuba akunjalo, ngoko ufuna i- Additional Life Expense coverage .
I-Inqwerensi yemoto kwiimoto ezindala
Abantu abaninzi bazama ukugcina imali kwi-inshurensi yemoto ngokucela ubuncinci bomshuwalense . Ubuncishiso obuncinci abufihla izinto ezifana nokuba ilitye litshitshisa i-windshield yakho, ulayila ngaphandle kokulawula xa uqhuba, okanye ukuba imoto iyabamba umlilo, iyatshatyalaliswa okanye ibiwe.
Kuthiwani Ukuba Inqwelo Yakho Ilungiswa Ngenxa Yengozi, Ngaba Uyafuna Imoto Yomnxeba?
Cinga ngokudibanisa kunye nokufikelela ngokubanzi. Ukuba awunayo i-coverage, awuyi kuhlawulwa kwibango okanye ufumane imoto yerenti ngelixa imoto yakho ilungiswa ngenxa yengozi okanye ntlekele.
Funda kabanzi malunga nokugqithwa okubanzi apha .
I-inshurensi ye-Gap: Ngaba uyayifuna?
I-inshurensi ye-Gap ayimfuneko, kodwa inokukhusela xa ubolekisile okanye uqeshisa ngemoto yakho. Xa uhlawule umboleko wakho, awuyi kufuna le ngxelo. Funda ngokugqithisileyo
Umshuwalense Wokukhubazeka
Ubhuseli bokhubazeko lukhusela ingeniso yakho ukuba ngokukhawuleza awukwazi ukusebenza ngenxa yesifo okanye ingozi. Ngokuqhelekileyo kufumaneka njengenxalenye yepakethi yomvuzo. Kukho iintlobo ezimbini zokukhubazeka, ukufikelela kwexesha elide kunye nexesha elifutshane lokukhubazeka. Ukuba uhlala ngokuzimeleyo, okanye uziqeshwe , ungaphinda ucinge ukuthenga inshuwalense yokukhubazeka.
Indlela yokubala I-inshurensi enkulu yokukhubazeka oyifunayo
I-inshorensi yokukhubazeka idla ngokuba ngamaphesenti angama-60 (ukuya kutsho kwinyanga ephezulu) yengeniso yakho yangaphambili yokukhubazeka. Unokubala ukuba ungakanani okufunekayo ngokungezelela:
- iindleko zemali yakho yokuthengisa okanye irenti
- yentlawulo yepropati
- zixhobo
- ukutya
- hlawulwa kwetyala
- iirejista zomshuwalense
- iindleko zempilo
- iindleko zokugcina ekhaya
- iintlawulo zemboleko yemoto okanye ukuhlawula iintlawulo
- Ukuba unayo imali yokunceda ukuhlawula ezi ndleko
Iinyanga ezintathu ukuya kweziyisithandathu zomvuzo wokugcina imali ngumnatha okhuselekileyo wokuncedisa ukuba ungekho ngokukhawuleza ungasebenzi okanye ukhubaze ixesha elifutshane.
Inshorensi yobomi
Kukho iindlela ezininzi zokugcina izindleko ekukhetheni inshorensi yobomi . Ukwazi ukuba ufuna i-inshorensi yobomi isinyathelo sokuqala, kwaye unokufunda ngoku malunga nale nto kwinqaku lethu: Indlela yokwazi ukuba ufuna i-inshorensi yobomi .
Uninzi Kangakanani Umshuwalense Wobomi?
Iipesenti ezingama-80 zabathengi zihlawula ixabiso lentengo yomshuwalense wexesha elide, becinga ukuba iphezulu kunokuba iyindleko.
Ubomshuwarensi bomi ngenye yeentlobo ezinokuthengwa nge-inshurensi xa uthenge ngethuba lobomi. Ukukhetha umgaqo-nkqubo we-inshorensi wobomi obunokuthengelayo obonakalayo kwimeko yakho kubalulekile. Umcebisi wezemali uya kuba nako ukuhlala nawe kwaye abale ukuba ungakanani okufunekayo usebenzisa ukuhlaziywa kweemfuno zeemfuno.
Kufuneka ukhethe oko unokukwazi ukukwenza ngoku kunye nezinto eziza kuqala. Ekugqibeleni, ukuba ne-inshorensi yobomi ibhetele kunokuba ungenanto, jonga phambili:
- Iindleko zokuhlawula amatyala akho
- Iindleko zokuhlawula imali
- Iimali zemfundo yabantwana (i-15,000 zamawaka ngonyaka wekholeji ngamnye ngomntwana yindawo yokuqala yokuzimela)
- Kuze kube nini ufuna ukufaka endaweni yakho yengeniso kwintsapho yakho okanye umxhamli ? Abanye abantu basebenzisa ixesha eli-10 umvuzo wabo njengesikhokelo, kuxhomekeke kwiimeko
- Iindleko zokugqibela
- Iimpahla, kuquka ukugcina imali, ukugcina umhlalaphantsi, ipensheni, njl.
- Ininshurensi kumgaqo-nkqubo wakho womshuwalense wobomi, okanye enye inshorensi yobomi bomshuwalense wobomi
Emva kokuba zonke ezo zinto zithatyathwa ukuba ingakanani intsapho iya kufuneka iphile ngokukhululekile?
Iphulo: Khumbula iindleko zentsapho zakho zangoku ziqulethe iindleko zakho zokuhlala ... Musa ukulibala ukulungelelanisa loo xabiso xa ucinga ukutshintsha imali.
Isicwangciso soMshuwalense woBomi: Iimali ezahlukahlukeneyo ze-Inshorensi kwiiNqanaba ezahlukeneyo zoBomi
Ukuthenga i-inshorensi yempilo kufuneka ibe yinxalenye yesicwangciso-qhinga. Cinga ukuba uhlala ixesha elide, uninzi lwamatyala akho ahlawulwe kwaye i-asethi iya kwakha iindleko zokubeka. Unokukhetha iipolisi ezininzi zamagama ahlukeneyo ukudala indlela ende. Xoxa ngeendlela kunye nomcebisi wakho wezemali.
I-inshorensi yempilo
Ukuqulunqwa kwebhajethi yempilo yomshuwalense kuxhomekeka kwimeko yakho. Cinga ngemimandla eyahlukeneyo kuhlobo lwesicwangciso ofunayo.
Kwi-inshurensi yempilo umbuzo awukho na kodwa kodwa unjani uhlobo lwe-inshorensi yempilo oyifunayo. Izicwangciso ezahlukeneyo zinikeza ukuguquguquka okungaphezulu okanye okuncinci, ezithintekayo okanye ezincinci, ukufikelela kumaogqirha kunye okanye ngaphandle kwemingcipheko yomniki-inshorensi yempilo .
Funda kabanzi ngeemfuno ze-inshurensi zempilo ngokuqwalasela iinkalo ezili-10 zemali yomshuwalense yezempilo ukuze ugcine imali , kwaye ukhangele iingenelo ze-HSA okanye ze-FSA ukukunceda ukuqonda ngokubanzi malunga nendlela yokusebenzisa i-inshorensi yezempilo kwintsebenzo yakho.