Iindlela zokuThetha
Xa ungaphumeleli ukuthobela izicelo ezivela kwinkampani yomshuwalense, abanakho ukuvuselela umgaqo-nkqubo xa uphela, okanye bangawukhansela umgaqo-nkqubo phakathi kwekota.
Yonke inkampani ye-inshorensi iyahluke, ngoko qiniseka kwaye uhlolisise nommeli wakho ukuze uqonde ukuba imiphumo ingaba njani kwiimeko zakho. Nazi ezinye izicwangciso eziqhelekileyo kunye nezikhokelo oza kuziqwalasela ukuze uzame kwaye ugcine umgaqo wakho usebenza.
Ikhetho 1: Cela iNkampani Yakho Yomshuwalense ixesha elide lokufumana Umsebenzi owenziweyo
Fumana uqikelelo okanye uluvo lwesibini lomsebenzi olufunekayo lwenziwe ngumqeqeshi onelayisenisi. Ngokuqhelekileyo, inkampani yomshuwalense iya kufuna ukuba kuthathwe isinyathelo ngokukhawuleza ekulungiseni, kodwa oku kungenxa yokuba zilandela izikhokelo zazo eziqhelekileyo. Ukuba uphuma kwaye ufumane uluvo lwesibini lobugcisa, banokukuxelela ukuba imeko imele ilungile, okanye inokukhutshwa kwiinyanga ezimbalwa okanye iminyaka. Oku kuqhelekileyo xa ikhaya lisesimweni esingcono kunokuba siqhele okanye sisebenzise izinto ezizodwa okanye iimbuyekezo ezifunyenweyo eziza kukwazi ukubona kuphela.
Ukuba uqala ngokufumana uluvo kwi-kontraki elayisenisi, umphathi wamandla kagesi, iplumberhi okanye enye ingcali, awuzukufumana nje ingqiqo yenyaniso yomsebenzi, kodwa uya kuqonda kwakhona ixesha elifanelekileyo. Ngamanye amaxesha abo baqeqeshi banokuphakamisa ezinye iindlela kwi-insurer ezicebise ukuba ziyakusindisa imali.
Ngamanye amaxesha, ikhontraktha inokukucebisa ukuba umsebenzi awukwazi ukugqitywa ngexesha elifanelekileyo ngenxa yexesha. Ukuba ixesha elide lide kunokuba inkampani yomshuwalense ikunike yona, makabe inkampani yomshuwalense yazi ukuba uthathe amanyathelo afanelekileyo ukuze uyenze umsebenzi, kodwa ukuba ukufumaneka kwekhontrakthi kude kunokuba kuyimfuneko. Yonke le ngcaciso inokukunceda ukuba utshintshe ingqondo yabo malunga nemfuno. Qhagamshelana nomshuwalense ngaphambi kokuba bakhuphe kwaye bacele malunga neendlela.
Ukuba unokuqikelela, kodwa imeko yinto nje ngokukhawuleza kwezemali kwisigxina sakho, kwaye qha ga mshelana nenkampani yakho yomshuwalense uze uchaze imeko. Bangaba nokukulungele ukunika isongezelo xa ukucinga kwakho kunengqiqo, okanye ukuba uchaza ukuba unesicwangciso sokufumana umsebenzi wokulungiswa okanye ukulungiswa xa unako ukuyifumana ngexesha elithile.
Inketho yesi-2: Jonga ngeenxa zonke
Xhumana nabanye iinkampani zomshuwalense uze ubaxelele ngeemeko zakho. Kubalulekile ukubonisa zonke iinkcukacha ze-inshorensi yakho imeko. Yiza malunga neenkcukacha zomsebenzi inkampani yomshuwalense ufuna ukuba uchaze ukuba izicwangciso zakho ziphi. Ukuba ucinga ukuba inkampani yakho ye-inshorensi ayinangqiqo, cacisa indlela ofike ngayo kwisigqibo usebenzisa iifayili ezixhasa.
Buza ukuba ngaba baya kukulungele ukubhala umgaqo-nkqubo kwaye banike i-inshorensi kwimeko efanayo? Ukuba kunjalo, ungakhetha ukutshintshela kwi-inshurensi entsha kwaye uzigcinele ulahleko.
Ukuba le ndlela uyayigqiba ukuyenza, qwa lasele xa ushintsha iinkampani zomshuwalense ukuba ufumana iintlobo ezifanayo zokubhengezwa , qiniseka ukubuza malunga nokunciphisa, ngokukodwa kwimeko enje. Ntshintshe kuphela ukuba zikulungele ukukunika uhlobo olufanayo lokubhengezwa kwaye awuyikulahlekelwa nantoni na, Ukuba zibonelela ngeemeko ezahlukeneyo, qi ni sekise ukuba i-coverage iya kuhlangabezana neemfuno zakho.
Indlela yoku-3: Sebenzisa amaNqaku ukuze uthole iNkampani ye-inshurensi ukutshintsha ingqondo yabo
Thatha yonke inkcazelo oye yabuthela kwabanye abatshorensi, kunye nokubonisana nabaqeqeshi kwaye ubonise ulwazi kwi-insurer yakho yangoku.
Ubonise ukuba wenze uphando. Ukuba neengcamango zesibini ezivela kwiingcali ezihlonelweyo zingenza umehluko omkhulu. Abantu ngabanye kwiinkampani ze-inshurensi ngabantu njengabo bonke bethu kwaye ngamanye amaxesha benza iphutha, okanye bahluleka ukuqwalasela zonke iinketho. Ukuba uthanda ngubani oye wajongana nayo, banika ithuba lokuphinda baqwalasele ngokuchazela kubo oko ukhuphiswano lwabo lukulungele ukwenza. Xa kuziwa kwiingcebiso, zihlala zixhomekeke kwizikhokelo eziqhelekileyo, zinike ulwazi oluninzi ngokunokwenzeka ukuze bakwazi ukusebenza nawe ukuba eze kwimeko entsha evumelanayo eya kukuvumela ukuba ugcine i-inshurensi ngelixa uqinisekisa ukuqinisekisa ukhuseleko lwakho intsapho kunye nekhaya.
Ngaba Kuyabalulekile Ukuba Intshuwalense Yakho Iyaphula?
Nangona kungathandeki ukuba nenkampani yomshuwalense iyichaze oko kufuneka ukwenze ekhaya lakho, gcina ingqondweni yabatshutshisi abanolwazi oluninzi kunye nobuchule obufumanekayo kubo. Baya kwenza kuphela iingcebiso ukuba babona ingozi engokoqobo, kwaye oku kuyinto ofuna ukucinga ngayo ukhuseleko lwakho kunye. Abantu abaninzi banokuvumela ukungavumelani okanye iingxaki kwinkampani yinshuwalense ababenzela uncedured, kuphela ukudala ilahleko enkulu yemali kunye nobunzima obukhulu xa kubakho ibango.
Kunzima ukufumana i-inshorensi entsha kwizinga elincinci kunye negalelo elifanelekileyo xa umgaqo-nkqubo usususile. Musa ukuzibeka kule meko.
Gcina unxibelelwano oluvulekileyo nenkampani yakho yomshuwalense kwaye kukho ithuba elihle lokufumana ukuba bazimisele ukuxoxisana, banikeze ezinye iindlela, kwaye banike ixesha oludingayo ukuba unesicwangciso esiqinileyo sokufumana umsebenzi.