Ukuhlaziywa komgaqo-nkqubo we-inshurensi kufuneka ube yinxalenye yesicwangciso sezimali
Kubalulekile ukuphonononga umgaqo-nkqubo we-inshorensi ngezikhathi ezithile. Ngokuqhelekileyo sibeka iinkqubo ze-inshorensi eceleni kwidrafti yefayili kwaye sikhohlwe ukuba ezinye izinto kuzo zifuna ukuhlaziywa ngezikhathi ezithile.
Indlela elula yokuhlela kunye nokuphonononga imigaqo-nkqubo yakho yomshuwalense kukuba yenze isishwankathelo somgaqo-nkqubo womgaqo-nkqubo ngamnye. Ininzi yemigaqo-inshorensi iqulethe iphepha phambi kwekhontrakthi yomshuwalense ebizwa ngokuba " iphepha lokuvakalisa " okanye "isishwankathelo somgaqo-nkqubo." Iya kuba neenkcukacha ezininzi oza kuwuphonononga ngazo.
Ungakwazi kwakhona ukudala i-template yakho yesishwankathelo seemplate kwi-pad yephepha, kwidokhumenti yegama, okanye kwifayile evelele. Ngokubhala ulwazi olufanelekileyo kwi-template yakho kunokukunceda ukuba uyayiqonde kwaye uyikhumbule.
Ngayiphi na indlela, qalisa ngokuphonononga izinto ezisiseko ezingezansi:
- Uhlobo lwemigaqo-nkqubo - Ingaba yinshorensi yezempilo, inshorensi yobomi , inshuwalense yexesha elide, i-inshorensi yokukhubazeka, ipropati kunye ne-inshuwalense yecala, okanye i-inshurensi yemoto? Ukuba uhlolisisa okanye ushwankathele ipolisi yomshuwalense wobomi, cacisa ukuba yintoni uhlobo lomgaqo-nkqubo we-inshorensi yobomi: ubomi bexesha elide, ubomi obupheleleyo, ubomi bendalo yonke okanye ubomi obuninzi.
- Umshuwalense - Ngubani na inkampani yomshuwalense enika i-inshurensi? Gcina umkhondo wenombolo yenkonzo yomthengi onokuyifowuna, okanye ulwazi loqhagamshelwano lwenkonzo yakho yomshuwalense.
- Inombolo yomgaqo - Uya kuhlala ufuna inombolo yakho yomgaqo-nkqubo xa ubiza uze ubuze imibuzo malunga nenqubomgomo yomshuwalense.
- Umhla okhishiwe - Kubalulekile ukwazi umhla okhutshwe ngawo i-inshorensi, ngakumbi xa kufike kwi-inshorensi yomshuwalense, njengoko i-inshurensi yesikhokhelo inexesha lokuphelelwa yisikhathi, kwaye i-inshorensi engunaphakade iya kuhlawulwa irhafu enokuthi ifake isicelo ukuba uyayicima umgaqo-nkqubo kwiminyaka emihlanu ukuya kweyesixhenxe minyaka.
- I-Premium iyadingeka - Njalo gcina umkhondo we-premium ohlawula ngayo kwaye kaninzi kangakanani ukuhlawulwa. Kwimeko ye-inshorensi yonke yobomi bomshuwalense, umgaqo-nkqubo ungahlawulwa . Kwimeko enjalo, ukuba udala isishwankathelo somgaqo-nkqubo uza kubhala "Akukho iiprayimari ezifunekayo ngeli xesha njengoko iipriyam zihlawulwa ngezabelo ngaphakathi kwenkqubo." Kwezinye iintlobo ze-inshorensi, unokuluhlula into efana ne "Premium ye-$ 225 ngenyanga ehlawulwa ngokuzenzekelayo ukujonga i-akhawunti."
- Umshuwalense - Ziziphi iinjongo ezisebenzayo; wena, iqabane lakho okanye umntwana oxhomekeke kuyo?
- Umxhamli - Inkonzo yomshuwalense wobomi, ngubani onokufumana umxhamli? Ukuba ngaba ngumntu osekude umlingane okanye umxhamli oye wabiza ngaphambi komtshato, qha ga mshelana nenkampani yomshuwalense ukuba utshintshe ifom yokufumana inzuzo ukuze ufumane ulwazi oluhlaziyiweyo. Ukuthanda okanye ukuthemba akuyi kunyamekela oku . Kufuneka ugcwalise ifomu elifanelekileyo uze uyithumele kwinkampani yomshuwalense.
Xa unesiseko esisezantsi, uya kufuna ukujonga iinkcukacha zomgaqo-nkqubo ukuze uqonde ukuba izibonelelo zisebenza njani, kwaye ziziphi izithintelo ezingasetyenziswa. Ukukhangela iinkcukacha kunokukunceda ubone indawo apho unakho ukuphindwa kabili, ukukhawuleza, okanye indawo apho ungaphantsi kwe-insured.
Ukuqhuba ukuhlaziywa kwe-inshurensi ngokuthe tye, yenza i-aphoyintimenti yakho, okanye ubeke i-aphoyintimenti kunye nabo, kwaye ubenokuhamba ngento nganye yomgaqo-nkqubo wakho, uchaze ukuba kuya kusebenza nini, ukuba uza kufaneleka njani, kwaye unjani ukuhlawula. Ngaphantsi kuluhlu olutshanje lweenkcukacha oza kuluphonononga ngazo zonke iintlobo ze-inshurensi onokuyenza.
Ukuhlaziywa komgaqo-nkqubo we-Inshorensi yobomi
Kwi-inshorensi yobomi, gcina ulandelelwano lwenzuzo yokufa, kunye nabani na abagibeli abongezelelweyo njengokwenyuswa kwe-premium kwimeko yokukhubazeka, okanye ukukwazi ukufumana inzuzo yokufa kwangaphambili kwimeko yokufumanisa isigulo sokugula.
Ukuba unomgaqo-nkqubo wexesha, faka isikhumbuzo kwikhalenda lonyaka umgaqo-nkqubo usetyenziswe ukuphelelwa yisikhathi. Uya kufuneka uhlolisise ukhetho ngelo xesha kwaye ubone ukuba usadinga ingozi yomshuwalense wobomi .
Ukongeza, ukuba umgaqo-nkqubo unenani lemali, landela ukusebenza kotyalo-mali ngaphakathi kwawo, kwaye ubize inkampani yenkampani yomshuwalense ukuba icele into ebizwa ngokuthi "umzekeliso onamandla." Umzekeliso osebenzayo uza kuqhuba indlela umgaqo-nkqubo omele uwenze ngayo ngoku ngokubomi bakho bonke. Ukuba umgaqo-nkqubo usenze kakuhle kwaye kulindeleke ukuba uqhubeke ukwenza njalo, unako ukukwazi ukuhlawula iiprimiyam. Ukuba umgaqo-nkqubo awuzange usebenze kakuhle, unokufuneka ukhokhe iiprayimari eziphezulu ukuze uzigcine usebenza. Ukuphonononga imigaqo ngokuqhelekileyo kunokukunceda ukuba ulindele ukutshintshwa kwezi zizayo.
Uhlolo lweNkxaso yoNyaka weNkxaso-nkqubo kaNtshumo
Ukufumana i-inshorensi yenkathalo yangexesha elide, ufanele ukwazi "ngemini" inzuzo, kwaye kuza kube nini inzuzo iya kuhlala.
Ngokomzekelo, umgaqo-nkqubo wakho unokuhlawula i-$ 100 ngosuku ngemini engama-500 kwimeko apho uyafaneleka ukufumana uncedo lwexesha elide. Uyakufuna ukwazi ukuba umgaqo-nkqubo wakho ubandakanya ukunakekelwa kwekhaya okanye kuphela iinkonzo ezinikezelwa kwisibonelelo esiphila kuyo. Ukuze ukwazi ukufumana izibonelelo, ininzi imigaqo-nkqubo idinga ukuba uncedo kunye nemisebenzi emibini kwimiba emithandathu yokuphila kwansuku zonke kwaye iya kuba nexesha elithile lokulinda njengeentsuku ezingama-90 okanye iintsuku ezingama-120. Ingethuba elide lokulinda, ubuninzi beemali zakho ozifunayo ukuba uzibekele eceleni ukwenzela ukuba uhlawulele ngaphandle kwe-pocket ukuba kufuneka unakekele ixesha elifutshane.
Uhlolo lweNgcaciso yoMgaqo-nkqubo we-Inshorensi
Kwi-inshorensi yempilo, qinisekisa ukuba uyazi ixabiso lakho elidityanisiweyo kunye nezindleko ezingaphezulu kwee-pocket. Ngokomzekelo, ukuba umgaqo-nkqubo unemali engama-3 000 echithwe kwaye i-$ 6,000 engama-max-out-of-pocket cost, uya kufuna ukuba i-$ 9,000 ibekwe eceleni kwi- akhawunti yengxakeko okanye i- Akhawunti Yokulondoloza Impilo ukuyisebenzisa kule njongo. Uya kufuna kwakhona iinkcukacha ezifana "nomgaqo-nkqubo ukhokhe i-80% yeenkonzo ezikhuselekileyo emva kokuba ndibe ne-$ 50 yokuhlawula i-co-pay."
Uhlolo lweNtsholongwane yoKhubazeka
Ukufumana i-inshorensi yokukhubazeka, ufuna ukufumana inzuzo yenyanga leyo ehlawulwayo, kuza kuhlawula ixesha elide, kunye nendlela inkampani yomshuwalense ichaza ngayo ukukhubazeka. Umgaqo ohlawulela kuphela xa ulahlekelwa ingalo nomlenze awuncedo kakhulu kubantu abaninzi. Ukukhubazeka amaninzi akukhona kwimeko leyo.
Abaqeqeshi bafuna umgaqo-nkqubo okhusela amandla abo okusebenza emsebenzini wabo. Umzekelo ugqirha udinga yonke iminwe yeshumi; ukuba bazakwenzakaliswa kwaye balahlekelwe ukusebenzisa umnwe, mhlawumbi kukho imisebenzi emininzi abanokuyenza, kodwa umgaqo-nkqubo okhubazekileyo kubo uya kuqhubeka unikezela ngenzuzo ubuncinci ixesha elide, kuba abanako ukwenza utyando.
Ukuhlaziywa kweNkxaso yeNkxaso-mali
Kwipropati kunye ne-inshuwalense yecala, qwa lasela i-coverage yakho epheleleyo malunga neyakho, kunye nexabiso lakho. Njengoko umnatha wakho ukhula, inani lokukhusela i-inshorensi kufuneka ukhulise. Ukuba umntu unokulimala kwipropati yakho kwaye akugxeke, ngaba i-coverage yakho iya kubamba? Kunceda ukwazi ukuba yiziphi izinto ezingabandakanywa kwi-coverage. Eyona nto ingcono ukuyihlolisisa le nkonzo ye-inshorensi yakho kwaye ulungelelanise ukuhanjiswa njengoko kufuneka. Ukuba uqhuba ishishini ngaphandle kwekhaya lakho, qi ni sekise ukuzisa oku kwi-arhente yakho. Ewe, kunokwenzeka ukukhutshwa okongezelelweyo, kodwa kungcono ukuhlawula i-premium encinci ukwenzela ukuba izinto zibekwe ngaphandle kokufumana ukulahleka okungonakaliyo.
Ukuqwalasela imigaqo-nkqubo ayinandipha, kodwa inxalenye yenkqubo yokucwangcisa imali yesikhathi eside.