Kulinganiselwa ukuba abantu abangama-250 000 ngonyaka e-United States bayazibulala abazimele, enye yeemeko ezibuhlungu kakhulu ukujamelana nazo. Ukulahlekelwa ngumntu oyithandayo, kwaye yonke imibuzo ezayo kunye nokulahleka okunzima kunzima ukujamelana nayo. Ukujongana ne-inshorensi ye-inshorensi ephikisayo xa ubhekene nentlekele leyo yinto eyongezelelekileyo enokuthi umntu angathemba ukuba angayibambisani nayo.
Indlela Iipolisi ze-Inshorensi yoBomi ezisebenza ngayo kwiNkundla yokuBulala
Inkampani yomshuwalense inakho okanye ayiyi kuhlawula umxhamli we- inshorensi yobomi kwimeko yokuzibulala kuye kuxhomekeke kwiimeko, into ephambili yokuba kubakho amabini amabakala atholakala kwinkqubo yomshuwalense wobomi: Ukuzibulala kunye nokungaqiniseki .
Ukuhlawulwa kwabaxhamli be-Intshumo ye-Injongo yobomi ukuba ukufa kubangelwe ukuzibulala
Ukuzibulala kunokugqitywa ngomshuwalense wobomi kumaxesha amaninzi, nangona kunjalo amagatya e-inshorensi yobomi bentsholongwane athetha ukuyeka abantu ukuba bathenge kuphela umgaqo-nkqubo ngoba bafuna ukushiya imali kwintsapho yabo emva kokuzibulala.
Ukukhusela abantu basebenzise oku njengecebo lokushiya imali kwi-inshorensi yobomi kubaxhamli babo emva kokufa okucwangcisiweyo , kukho imigaqo ethile ebalulekileyo.
Ukuzibulala kunye ne-Inshorensi yobomi
Ngokutsho kwedatha yakutshanje efumaneka kwi-CDC e-US ngo-2014 kwakukho ukufa kwabangaphezu kwama-40,000 ngokuzibulala.
Ukuzibulala kuyamangalisa kwaye kaninzi kungalindelekanga ngabantu abasalayo. Le ntlekele. Ngokwemvelo, kuya kuba yinto efanelekileyo ukuba amalungu entsapho ashiywe emva kwesenzo sokuzibulala kufuneka akwazi ukuzuza kwi-inshorensi yobomi bomshuwalense, nangona kunjalo ukwenzela ukuba wenze njalo, imimiselo ethile kufuneka idibeneyo ukuvumela ukuhlawulwa kwesivumelwano.
Ngelishwa, kwiminyaka emibili yokuqala yenkqubo yomshuwalense wobomi , kukho umhlathi obizwa ngokuba yiCandelo elingenakwenzeka , ngenxa yeli gatya, inkampani yomshuwalense inokuphikisana nokuphika ibango ngezizathu ezininzi, enye iyazibulala.
Ixesha elichaphazelekayo kwi-inshorensi yobomi kunye nendlela echaphazela ngayo ukuzibulala
Isigatshana esingenakunyaniseka kwi-inshorensi yobomi yinto ebalulekileyo ukuba ibango liyakwenyulwa yinkampani yomshuwalense wenkampani kwiminyaka emibini yokuqala yomgaqo-nkqubo osebenzayo. Ngokwe- National Association of Commissioners Insurance (NAIC) , oku kungabandakanya emva kokufa ngokuzibulala. Igatya elingenakuphikiswa livumela inkampani yomshuwalense wobomi ukuba iphike ibango ngexesha lokubaluleka. Ixesha elichaphazelekayo elichazwe kwicandelwana liqhelekileyo kwixesha leminyaka emibini emva komhla wokuqalisa umgaqo-nkqubo wokubambisa u-inshurensi kuqala.
Emva kokuba isigama somthetho ongenakuphikiswa, i-inshurensi yomshuwalense "yinto engenakwenzeka" ngaphandle kwemibandela enzulu kakhulu njengokwenziwa ngobuqhetseba okanye ukuthetha kakubi. Umele uqhagamshelane nommeli womshuwalense wakho wobomi ukuze ufumane iinkcukacha ezichanekileyo zomgaqo-nkqubo kunye nekota yecandelo lakho kwiimeko ezithile.
Xa iinkampani ze-inshorensi yoBomi zingamelana neBango xa ukufa kuvela ngenxa yokuzibulala
Ukuba umgaqo-nkqubo ususebenze ngaphantsi kweminyaka emibini ngexesha lexesha elichaphazelekayo yomshuwalense wobomi bomshuwalense, inkampani yomshuwalense ingafuna uphando ngebango kwaye iphike ibango ye-inshorensi yobomi ukuba ukuzibulala kuyimbangela yokufa ngokwe-NAIC. Ukongeza kwisigatshana esingenakuphikiswa, umgaqo-nkqubo we-inshorensi yobomi unokuba neNkcazo yokuzibulala okanye iSigatya.
Ilungiselelo lokuzibulala lijongene nemimiselo nemiqathango yokuhlawula, okanye iimbambiso ngenxa yokuzibulala ngokukodwa.
Ngokuqhelekileyo kuza kunye nexesha eliyiminyaka emibili yokukhutshwa kokuhlawulwa ngenxa yokuzibulala. Ukuba umgaqo-nkqubo uqulethe isigqibo sokuzibulala, ngoko ibango linganqatshwa ngokwemiqathango yecandelwana eliqhelekileyo lithetha ukuba akukho nzuzo yokufa iya kuhlawulwa ukuba umntu okhuselayo uyazibulala okanye ukuba ukuzibulala kuyimbangela yokufa.
Ngexesha lokuthenga umgaqo-nkqubo we-inshorensi yomntu, ummeli wakho we-inshorensi unembopheleleko yokuchazela zonke ezi ziqendu kunye nezimo zomgaqo-nkqubo kuwe, kunye nezinye izinto ezingabandakanywayo kwinkqubo yakho yomshuwalense wobomi njengenxalenye yentengo yokuthenga.
Ukuzibulala kunye nokungaqiniseki
Hayi, isigqibo sokuzibulala kunye nesigatshana sokungaqiniseki asikho into efanayo. Isigatshana sokungaqiniseki siphezulu kwaye sijongene nabanini-bhankqalazi bakwazi ukukhuphisana okanye ukukhanyela ibango le-inshorensi yobomi ngexesha lexesha lokuncintisana. Ezinye izizathu ngaphandle kokuzibulala nazo ziqwalaselwa, ezifana nokufa ngexesha lesenzo esingekho mthethweni, okanye ukuchaswa kakubi kolwazi, kunye nekhono "lokusetyenziswa kweziyobisi nokusetyenziswa kotywala". Kubaluleke kakhulu ukufumana iinkcukacha ngqo zemigaqo-inshorensi yobomi ekuthengiweyo xa usayina inkontileka yomshuwalense womshuwalense ukuze ungagqibi ngokumangalisa, okanye unokubanjelwa ibango.
Xa Inkqubo Yomshuwalense Wobomi Iphuma Kuzibulala
Emva kwexesha lokuzibulala, okanye ixesha elichasayo, eliqhelekileyo kwiminyaka emibini ukususela kumhla wokuthengwa komgaqo-nkqubo omtsha, ngoko-nkqubo yomshuwalense wobomi unokuhlawula ibango lokuzibulala. Umgaqo-nkqubo kufuneka ukhokhele inzuzo yokufa kwabaxhamli. Ukuqonda imigangatho yakho yomgaqo-nkqubo, ungaphinda uqaphele icandelo le-exclusion policy, kuba ukuzinikela kokuzibulala kunokungafani kumgaqo ngamnye.
Xa iPolisi Yomshuwalense Wobomi Iza Kuhlawula Ibango Xa Isizathu Sokufa Sizibulala
Ukuba akukho kukhishwa okanye igatya elisetyenziswayo ngexesha lokufa elingabandakanyi ukuzibulala. UJohn noMary bathengisa umgaqo- nkqubo womshuwalense wonyaka we-10 weminyaka yomshuwalense xa betshatile, bahlawula iiprayimari zabo kwaye bagcina umgaqo ofanayo.
Kwiminyaka emihlanu kamva, uMary wafunyaniswa ukuba unexinzelelo, nangona wayenonyango kwaye wayesenza kakuhle, ngelinye ilanga, kakhulu kwintsapho, bafumanisa ukuba wayezibulale. UJohn waxhatshazwa, amalungu omndeni amnceda ukuba athole yonke imicimbi kaMariya kwaye afumene umgaqo-nkqubo we-inshorensi yobomi.
Nangona imali ayinakunceda ekulahlekelweni kwakhe, le ntsapho yamangaliswa kwaye yaqinisekiswa xa ifumanisa ukuba inkampani yomshuwalense yayiya kuhlawula ibango, nangona ibangela yokufa yayingenxa yokuzibulala, kuba isibonelelo sokuzibulala asisasetyenziswa.
Umzekelo weNkampani Yomshuwalense Ukukhangela ibango ngenxa yokuzibulala
UJeff wayegcine ipolisi yomshuwalense wobomi kwiminyaka engama-20 eyadlulayo, xa kufika ixesha lokuvuselela umgaqo-nkqubo wakhe, wagqiba ekubeni ekubeni bekuyiminyaka engama-20, inkampani yomshuwalense yanayo ingabonelela ngomgaqo-nkqubo ongcono , ngoko wenza uphando kunye kutshintshela kolunye uhlobo lwemigaqo-nkqubo evela kwinkampani yomshuwalense wenkampani. Ngomnyaka kamva, wazibulala, akazange aqonde ukuba ngenxa yokuba wayitshintshile umgaqo - nkqubo womshuwalense wexesha elichaphazelekayo wasetyenziselwa kwakhona, kwaye isibonelelo sokuzibulala sisetyenziswe ngoku. Intsapho yakhe inqatshelwe ibango.
Umzekelo weNkampani Yomshuwalense Ebonisa Ukuzibulala nokubulala Ukubamba
Lo ngumzekelo wokwenene wempilo apho imeko yenkampani yomshuwalense ihlola ukufa njengokuzibulala kodwa emva koko yachaza ukuba imbangela yokufa yengozi. UTatd Pierce uye wafumanisa ukuba unomdlavuza wesikhumba ngo-1999. Emva kweminyaka eyishumi, uTold wayehamba ngendlela kwaye wayebandakanyeka kwingozi yemoto eyingozi. Inkampani ye-inshurensi ibhala ingozi njengokuzibulala kwaye ifuna ukuphika ibango.
Umfazi kaTatd uJane akazange akholwe ukuba babethi ukufa kwakhe ukuzibulala. Wagqiba ukufumana uncedo lommeli, kwaye ngenxa yoko, inkampani yomshuwalense iphelile ukuhlala naye, kwaye ingayi kwinkundla. Uninzi lwabantu alukwazi ukufikelela kummeli ngeendleko ezifanelekileyo, ngaphezu kweemeko eziphazamisayo zokuzibulala, zihlala ziyeka kwaye azizame ukulwa nokukhanyela ibango le-inshorensi yobomi ngenxa yokuzibulala.
Kule meko, uNksz Pierce wayekrophe kwaye walwa nokuhlala kwakhe. Oku kuyinto engavumelekanga, amaninzi amabango e-inshorensi yomhlalaphantsi ayahlawulwa ngaphandle kwengxaki, nangona lo ngumzekelo omhle apho imeko ibanjelwe khona ngenxa yemigqaliselo yepolisi, izigatshana kunye nezigqibo. Ngombulelo umzuzi wayekwazi ukufumana isiluleko somthetho.
I-Inshorensi Yokukhathazeka Ngobomi kunye nokuzibulala
Ukuba wena okanye umntu owaziyo unobandezeleko, okanye ugula ngengqondo, okanye nje ukuba nobunzima, into ebalulekileyo ongayenza kukuba ufumane uncedo wena kunye nabo ukuze ungalokhathazeki ngephorensi yakho yomshuwalense kwaye ukuba liya kuhlawula xa kwenzeka ukuzibulala.
Ukuba uyisindiso sokuzibulala, uphakathi kwekota yesigidi kubantu base-US, musa ukwesaba ukufikelela kwimibutho emininzi. Ndiyathemba ukuba eli nqaku liye linceda ukucacisa impembelelo yokuzibulala kwiintlawulo ze-inshorensi yobomi, kodwa ngoko ke ndikukhuthaza ukuba ufikelele kwaye ufumane uncedo kuyo nayiphi na into ekhoyo kulo mcimbi. Sonke siyathinteka ngokuzibulala, ukudandatheka kunye nokugula ngengqondo nokufikelela kunye nokusebenza kunye, kunokukunceda.