I-inshurensi yasekunene ibalulekile kwiCwangciso sakho seMali
Unokufumana umgaqo-nkqubo we-inshurensi ukukhawulela phantse nantoni na engacingekayo kodwa ezinye zifanelekile kunabanye indawo kwindawo yakho yezemali. Usebenza kanzima ebomini bakho ukwakha ubutyebi kwaye uphile ubomi obonwabileyo kunye nococeko kunye ne-inshorensi yakho kufuneka inikeze ukhuseleko kwimpahla yakho, ingeniso kunye nabathandekayo oya kuthi ushiye ngalo. Njengoko ubeka imephu yakho yexesha elizayo, ezi ntlobo ze-inshorensi kufuneka ziqiniseke kwi-radar yakho
I-inshorensi yempilo
Intshuwalense yezempilo iyinto enye yezona ntlobo ezibalulekileyo ze-inshurensi. Impilo yakho efanelekileyo kukuvumela ukuba usebenze, ufumane imali kwaye ujabulele ubomi. Ukuba unokuhlakulela isifo esibi okanye unobungozi ngaphandle kokuba uqiniseke, unokufumanisa ukuba awukwazi ukufumana unyango okanye nokuba ube netyala esibhedlele. Nangona i-inshorensi yempilo ayisayi kugunyazwa nguRhulumente ukususela ngowama-2018, akuyiyo into yokuhlawula.
Ngombulelo, abaninzi abaqeshi banikezela iinshorensi zempilo kwixesha elizeleyo kunye nabasebenzi abathile bexeshana. Ukuba awunayo i-inshorensi yempilo yeyona nto yindawo yokuqala ukujonga ukuba ngokuqhelekileyo ibe yinto efikeleleke kakhulu. Ukuba utshatile, unako ukufumana ukufumana ingxelo phantsi kwesinye sezicwangciso zomqeshi. Xa bobabini abaqeshi benza i-inshorensi yezempilo, ukuthelekiswa ngokucokisekileyo kunokukunceda ukuba wenze isigqibo sokuba yisiphi isicwangciso sokusetyenziswa.
Cinga i-co-pay, i-deductibles, iindleko ze-premium, i-network coverage kunye neendleko ezigqityiweyo ukuqinisekisa ukuba isiphi isicwangciso esenza izibonelelo ezininzi.
Ukuba umqeshi wakho akanikeli i- inshurensi yezempilo okanye usebenza ngokuzimeleyo, kufuneka uhlolisise iindlela zakho ze-inshorensi. Indawo yokuthengisa emgangathweni yempilo yindawo efanelekileyo yokuqala; ngenye indlela, unokuqhagamshelana nabanini-mshishini ngokukhawuleza ukuba ubone ukuba luhlobo luni lolwazi olufumanekayo kwimeko yakho.
Kwakhona, imigaqo efana neyasetyenziselwa ukuphonononga isicwangciso somqeshi kuya kufuneka ukuba ithathelwe ingqalelo njengoko uthelekisa imigaqo-nkqubo, ngokweendleko kunye nokukhawulelwa.
Inshorensi yobomi
Olu hlobo lomgaqo-nkqubo lubaluleke kakhulu xa utshatile kwaye / okanye unabantwana, kodwa nabantu abangabodwa banokuzuza ngokuba ne-inshorensi yobomi. Ubshuwarensi yobomi ingadibana neemfuno ezininzi zemali. Kwimeko yomntu otshatileyo kunye nosapho, inokuthi ithathe indawo yokulahlekelwa yimali engenayo, uncede ukuhlawula nawaphi na amatyala atyala emva kokufa okanye uhlawule imfundo yekholeji yabantwana bakho. Ukuba ungatshatanga, inshorensi yobomi inokuhlawula iindleko zokungcwaba kwaye uhlawule nayiphi na amatyala oshiya ngasemva.
Ukuba awunayo i-inshorensi yobomi yakho yokubheja phambili kukujonga umqeshi wakho kuqala. Abashicileli abaninzi banikela i- inshorensi yobomi biseko njengenzuzo kwaye abanye baze bakuvumele ukuba uthenge i-coverage eyongezelelweyo kwizinga eliphezulu kakhulu. Ngaphandle kwamalungiselelo omqeshi, kukho amakhulu eenkampani ze-inshorensi ezinokukubonelela ngolu hlobo.
Enye into ekufuneka uyiqwalasele kukuba ingaba ithenge i- inshorensi yexesha okanye yokusisigxina . I-inshorensi yobomi besikhokelo ihamba nawe ngexesha elithile, ngokuqhelekileyo kwiminyaka emihlanu ukuya kwi-30. Ininshurensi engapheliyo ihlanganisa wena ubomi bakho bonke, nje kuphela ukuba iiprimiyam ziyahlawulwa.
Olu hlobo lokubhengezwa lukwavumela ukuba wenze ixabiso lentengo onokuyiboleka okanye utyalole ukukhula. Kulo mibini, i-inshorensi yobomi bexesha eliqhelekileyo inokuba yinto eguquguqukayo kwaye ingabizi ngaphantsi kodwa ukuba ukhangele inxalenye yotyalo-mali, unokukhetha ukufumana isigxina.
Khumbula, ukuba ezininzi iintlobo ze-inshorensi yobomi ukukwazi ukufunyanwa kuxhomekeke kwiminyaka yakho kunye neprofayili yezempilo. Uncinci kwaye unempilweni, ixabiso eliphantsi liyakwenzeka kodwa lilungele ukuthatha uvavanyo olufutshane lwezonyango njengenxalenye yesicelo senkqubo.
Ininshurensi yePropati
Olunye uhlobo lomgaqo-nkqubo owenzela abantu abaninzi enyanzelekile ukuba babe ne-inshurensi yabanini ekhaya xa unemali yokuboleka imali. Ukuba uboleka imali kwi-bhanki ukuthenga ikhaya baya kufuna i-asethi ukuba iqinisekiswe. Kubantu abaninzi, le ntlawulo ye-inshurensi yakhiwe kwintlawulo yemboleko .
Kubantu abaninzi ikhaya labo liyintsalela yabo enkulu, kubaluleke kakhulu ukukhusela ngokwaneleyo.
Ukuba urenti esikhundleni sakho, umgaqo-nkqubo we- inshurensi kubaluleke kakhulu. Izinto zakho ngaphakathi kwendawo yokuhlala zingongeza kwixabiso elithile. Xa kwenzeka isigqeba, umlilo okanye inhlekelele kufuneka ube nokukwazi ukuba nomgaqo-nkqubo onokubambisa ubuninzi beendleko zokutshintsha. Abanini bezindlu kunye ne-inshurensi yeenrenti banokukukhusela kunye nesibindi somntu siqu xa umntu enzakele ekhayeni lakho.
Insurance Insurance
Olunye uhlobo lomgaqo-nkqubo odla ngokufunekayo yi- inshurensi yemoto . Uninzi lwamazwe ludinga ngumthetho ukuba unomshuwalense wezithuthi ezisisiseko. Ukuba uthengisa imoto nge mboleko, unokufuneka udibanise umgca wokubambisana kwipolisi yakho. Ukuba usengozini, inkokhelo yomshuwalense ibandakanya umonakalo kwesinye isithuthi, ngelixa udibaniso lubandakanya umonakalo wakho.
Isizathu esiqhelekileyo sokufumana i-inshurensi yemoto kukugubungela ukutshintshwa kwexabiso elixabisekileyo. Njengekhaya, iimoto ezinokuba zibiza kakhulu kwaye xa zonakaliswa ufuna ukukwazi ukulungisa okanye ukuzitshintsha. Kodwa kukho ininzi yomshuwalense yomshumbisi kunokuba ufihla imoto ngokwayo.
Uninzi lwemigaqo-nkqubo ye-inshorensi yemoto ikhusela ukulimala komzimba okanye ukufa komnye umntu kwisiganeko osisemthethweni. Nangona ngokuqhelekileyo ihlawula iindleko zonyango ezihambelana nesiganeko, kunokukhupha iindleko zokukhusela zomthetho. Ngokuqhelekileyo uza kufumana umvuzo wokuhlawula unyango ohlawula unyango lwakho kunye nabagibeli bakho ngexesha lengozi kungakhathaliseki ukuba ngubani na ophosakeleyo. Unokuquka ukufakwa kweenqwelo zemoto kwiprojekti kwimeko apho ingozi ibashiya imoto yakho engenakwenzeka. Khumbula, ukugqithiswa okungekho ngaphezulu kwipolisi yakho, ukuphakanyiswa kweendleko ze-premium.