Imibuzo Ebuzwa Ngokuphindaphindiweyo malunga nokubuyisela i-Intlawulo ye-Intshurensi yokubuyisela
Ukuba ukhansela umgaqo-nkqubo phambi kokuba uphelelwe yisikhathi, uhlala unelungelo lokubuyisela imali.
Imali yomshuwalense wemoto iyinto enhle, kodwa isebenza njani? Ukwazi indlela inkqubo yakho yokuthengiswa kwe-inshorensi yemoto yasebenza ngayo kwaye nayiphina imirhumo engayifaka isicelo sokuphela komgaqo-nkqubo unokukunceda wenze izigqibo ezinjengexesha lokutshintsha i-inshurensi yemoto yakho okanye nini ukuhlawula isithuthi kwisithuthi.
Ukubuyiswa kwemali ye-Inqwelo yomshuwalense xa uhlawulwa ngokupheleleyo
Ukuba wonke umntu ohlawulwa ngokugcwele kwi-inshurensi yemoto yakhe, kuya kuba lula ukuyihlawula. Ukubuyiselwa kwemali kungenziwa ngezizathu ezininzi ezahlukeneyo. Ukuqhubeka kwangaphambili uhlawule, mhlawumbi uza kufumana imali xa ukhansela umgaqo-nkqubo wakho womshuwalense wemoto. Izindlela eziqhelekileyo zokufumana imvume yokubuyisela imali xa uhlawula ngokupheleleyo ziquka:
• Ukukhansela umgaqo-nkqubo we- inshurensi yemoto phakathi kwexesha elide
• Ukususa ukukhutshwa kweso sithuthi
• Ukutshintshwa kwenkcazelo okanye ukususa isithuthi
• Ukufudukela kwindawo engezantsi
• Ukususa umqhubi ophezulu kwi-plan yakho
Umzekelo: UJack uhlawulwe iinyanga ezilisithandathu ze-inshurensi yemoto kwizithuthi ezintathu. Emva kweenyanga ezintathu, wathengisa enye yezithuthi. Uya kufumana imali yokubuyiselwa imali kwiinyanga ezintathu ze-inshurensi awazange azisebenzise kwisithuthi esithengisiwe.
Ukubuyiselwa kwemali ye-Intshuwalense yemoto Ukuba Uhlawula ngenyanga
Ukuba uhlawula i-inshorensi yakho ngenyanga-ngenyanga, unemali encinci ehlawulwa kwikamva.
Okungakumbi, nayiphi na utshintsho oyenzayo kwisithuthi sakho siya kufumana uhlobo lwekhredithi malunga ne-billing yakho yexesha elizayo. Ngamanye amazwi, ukubuyiselwa kwemali akunakwenzeka kwaye i-credit iya kunciphisa iintlawulo zakho zesikhathi esizayo kunokuzalisa imali. Ilungelo elihle lokufumana imali xa uhlawula inyanga inyanga ukukhansela umgaqo-nkqubo womshuwalense wemoto phakathi komjikelezo wokuhlawula.
Umzekelo: UYohane uhlawula inyanga inyanga kwi-inshurensi yemoto yakhe. Yenza intlawulo ngomhla wokuqala wenyanga kwaye igqibe ukucima i-inshurensi yakhe yeshumi kwenyanga leyo. UJohn wayeya kufumana umvuzo omncinci ngenxa yokuba wayehlawula inyanga yonke kwaye wayefuna kuphela iintsuku ezili-10 zokupapashwa (enye yesithathu ubude benyanga ephakathi).
Imibuzo Ebuzwa Ngokuphindaphindiweyo Imibuzo Yokubuyisela Imoto
Ngaba kukho intlawulo yokukhansela inshuwalense yemoto?
Inokwenzeka ukuba imali ihlawulwe xa ukhansela inqwelo-mali yakho . Ngokuqhelekileyo umrhumo usebenza kuphela xa ukhansela inshuwalense yemoto kwiiveki zokuqala zokuthenga umgaqo-nkqubo. Uninzi lwexesha, ukuba unomgaqo-nkqubo wakho womshuwalense wexesha elide, akukho ntlawulo iya kusebenza. Ukuba intlawulo ihlawulwa, iya kususwa kwixabiso lakho lokubuyiselwa imali xa kukho na. Hlola kunye nomphathi wakho womshuwalense malunga nemirhumo yokukhansela.
Ingaba imali yam inshuwalense yemoto iya kuba yintoni?
Ukulinganisa inani lembuyiselo yakho yomshuwalense ingaba nzima. Ngamanye amaxesha ummeli wakho we- inshurensi okanye ummeli we- inshorensi angabala inani lembuyekezo ngokukhawuleza Inqwelo yemali yomshuwalense wemoto iyadlalwa ngokubanzi, ithetha ukuba izinga lakho libalwe ngemini kwaye nayiphi na imihla ehlawulwayo engasetyenziswanga iya kubuyiselwa. Ukuba awukwazi ukufumana ixabiso lemali elalivela kwi-arhente yakho ngexesha lokutshintshwa kwenkqubo yakho, ngokuqhelekileyo uza kuba nokuphendula ngokuchanekileyo kwiintsuku ezimbalwa zesicelo sokutshintsha.
Kuya kuthatha ixesha elingakanani ukufumana imali yam inshuwalense yemoto?
Iinkampani ezininzi ze-inshorensi zinexesha elineshumi-shishini apho i-akhawunti yakho yomshuwalense yomshuwalense kufuneka ichithwe ngaphambi kokuba kukhishwe isheke sokubuyiselwa imali. Lindela ixesha elilindelekileyo leveki ezimbini ukulinda isheke kwi-imeyile.
Ndingayifumana njani imali yam inshuwalense yemoto?
Indlela yokubuyiselwa kwemveli yenziwe ngetshekhi kwi-imeyile. Abanye abathwala i-inshurensi bayayifumana imali kwi-akhawunti yakho yasebhanki ukuba i-inshurensi yemoto yakho isetyenziswe ngeentlawulo ze-EFT . Ngenxa yokuba iindlela zokubuyiselwa kwembuyekezo zingahluka, kufuneka ucele i-agent yomshuwalense okanye ummeleli wakho.
Andizange ndifumane i-check my refund. Yintoni endiyenzayo ngoku?
Ukuba ulinde iiveki ezimbini kwaye ungafumani isheke sokubuyisela imali okanye idiphozithi ngqo, shayela umnxeba wakho womshuwalense. Qinisekisa idilesi yakho yeposi ukuze ubone ukuba idilesi echanekileyo ifayile. Umnini-inshurensi uza kukwazi ukubona ukuba i-check back return Ukucinga ukuba isheke asikhangeki, umphathi wakho womshuwalense uya kuba nako ukubamba isheke esikhutshweyo kwaye akukhuphe isheke entsha. Ezinye iikhampani zidinga iintsuku ezingama-30 ezigqityiweyo ngaphambi kokuba kukhuphe isheke entsha. Ngethemba, i-check yakho iya kufika ngeposi ngexesha elifanelekileyo. Ngaphandle koko, unokulinda ukuya kwiintsuku ezingama-45 ukuze ufake indawo.
Iingcebiso zokuPhepha iingxaki zeNgxowa-mali ye-Intshumo
• Khansela ngosuku lwakho lokuvuselela inshorensi yemoto .
• Ukukhansela kwintlawulo yakho yenyanga nganye efanelekileyo xa uhlawula ngenyanga.
• Yenza utshintsho ngosuku lwakho lokuvuselela inshorensi yemoto.
Ukusebenzisa ukuhlaziywa okanye umhla wokuhlawula njengoko usuku lokutshintsha luye lushiya loo nto ukuze ungabahlawulanga nayiphi na imali kwaye abayi kuhlawulwa nayiphi na imali. Utshintsho oluphambi kwe-inshurensi yemoto yakho lunokwenza loo ngxelo ingamanga, kodwa ininzi ixesha uya kulungiswa ukuba unamathele ngosuku lwakho lokuvuselela.