I-insured eyongezelelweyo inobunini bendawo yesithuthi okanye inesibophezelo kwisithuthi esiqinisekisiwe kwelinye iqela. Ngako-ke umqhubi kumgaqo-nkqubo uthathwa njenge-insured eyongezelelweyo?
Impendulo ayikho.
Olongezelelweyo Umshurensi ochasene noMqhubi oPhezulu
Umehluko ngokuqinisekileyo lukhoyo phakathi komnye umqhubi obhalisiweyo kunye nomqhubi odweliswe. Musa ukucinga ngenxa yokuba ubhalwe kwipolisi yomntu njengomqhubi, uza kuhlawulelwa ukulahlekelwa. Kuphela kuthiwa yi-insured, i-losses pay, kunye ne-insured eyongezelelweyo ibhalwe kwi-inshurensi ibhenki ihlola ilahleko ezipheleleyo.
Eyongezelelweyo i-Insured
- Kumele ube nobunini bezithuthi okanye enye izithuthi kwimigaqo-nkqubo
- NgoMeyi okanye angayi kuqhuba isithuthi ngokuxhomekeke ekubeni ingaba i-insured eyongezelelweyo ibhaliwe njengomqhubi okanye unomshuwalense kwenye indawo
Uluhlu lwaMqhubi
- Akunakho ubunini bezithuthi
- Umqhubi wezithuthi zaseprayimari okanye ngezihlandlo
Ngubani ofakwe rhoqo njenge-insured eyongezelelweyo
- Ii-Co-ezibizwa ngezoThuthi: ngokuqhelekileyo zineziqinisekiso ezongezelelweyo ukuba ngaba abantu ababini kwisihloko abatshatile okanye babhalisiwe njengegama eliqinisekisiwe. Ngokomzekelo, ukuba umkhulu wakho udibene kunye nemoto yakho kwaye akahlali ekhaya lakho, uya kubalwa njenge-insured eyongezelelweyo. Akayidingi ukuba ibhalwe njengomqhubi kuba uhlala ngaphandle kwendlu kwaye mhlawumbi unemigaqo- nkqubo yomshuwalense wemoto . Njengengxenye yomnikazi wemoto kunye neyongezelelweyo inshorensi, unelungelo lokuhlawulela emva kokulahlekelwa ngokupheleleyo ukuba zombini unetyala elingaphantsi kwexabiso langempela lemali yesithuthi.
- Iimoto eziqeshisiweyo: kufuneka zihlale zineenkampani zokuqeshisa ziboniswe njengezolahleko kunye nee-insured ezongezelelweyo, ngamanye amaxesha zibizwa ngokuba zidibeneyo. Inkampani yeqeshiso yenza njengomboleki kunye nomnini wesithuthi. Kwilahleko epheleleyo , inkampani yokuqeshisa iya kufumana ibhenki yokukhangela. Ngokuqhelekileyo, i- inshurensi ye-gap iyadingeka kwiqeshiso ukwenzela ukuba awuyi kuba nexhala malunga neendleko zepokoth.
- Umnikazi wezoThuthi akakuthiwa nguMntu oKhuselweyo: Akukho nkampani ezininzi ze-inshorensi ezivumela abantu ukuba baqinisekise iinqwelo ezingenazo. Iimpahla ezikhethiweyo zihlala ziqine kakhulu malunga nomgaqo kwaye zivumela kuphela i-inshorensi ukuba ibanjwe egameni lomntu kwisihloko. Ezinye iinkampani ze-inshorensi eziqhelekileyo ezingezantsi zinezo naziphi na izithintelo kulowo oqinisekisa isithuthi. Ukuba uvumela umntu ukuba aqinisekise ukuba isithuthi sakho kunye nokulimala komzimba kuthengiwe, ityala lokutshekisha liya ku-insured ngaphandle kokuba ubhalisiwe njengongeziweyo.
Injongo yokuBhaliswa njenge-insured eyongezelelweyo
- I-insured eyongezelelweyo iyaziswa nayiphi nayiphi na utshintsho lwenziwe kwisithuthi. Ukuba i-coverage iyancitshiswa ibe yinshuwalense yokugcina, i-insured eyongezelelweyo iyaziswa. Kuyafana ukuba isithuthi sisuswe kumgaqo-nkqubo okanye kwi-coverage yongezwa okanye iyancitshiswa nangayiphi indlela. Igcina i-insured eyongezelelweyo kwi-loop xa ifika ekuqinisekiseni isithuthi.
- Ukongezwa kwee-insured ezongezelelweyo zibandakanyiwe kwiimali zokuhlawulwa kwebango-inshurensi Njengomnini wepropati ekhutshiweyo, igama elongezelelweyo le-insured libhekele ukuhlolwa kwetyala lokulahlekelwa.
Xa i-Insured eyongezelelweyo kufuneka isuswe
I-insured eyongezelelweyo isuswa kuphela xa igama likhutshwe kwisihloko ngenxa yentengiso. Emva kokuba i-insured eyongezelelweyo ayikho inxaxheba kwisithuthi kufuneka isuswe ngokukhawuleza.
Ukuba neyongezelelweyo inshorensi efakwe kwipolisi engenayo inokulibaziseka ibango ekugqityweni.
Umnikazi wesithuthi unelungelo lokuhlawulela ukuba umrhumo ulungile kwaye umnini uhlawule ngaphantsi kwexabiso langempela lemali. Ingaba ungumntu obongezelelweyo okanye ufuna ukudibanisa umgaqo-nkqubo wakho womshuwalense, kubalulekile ukwazi malunga nendlela eyongezelelweyo i-insured esebenza ngayo. Qinisekisa ukuba i-insured eyongezelelweyo ibhalwe ngokufanelekileyo kwimigaqo-nkqubo yakho ngokujonga iphepha lakho lokuvakalisa okanye ukucela i-arhente yakho.