Iindleko zeNtshurensi yePocket
Ngendleko ephezulu yomshuwalense wemoto kweli shishini namhlanje, ininzi elowo lithwala iinqununu. I- deductible yinani lemali oyihlawulayo epokothini ukulungisa isithuthi sakho ngaphambi kokuba umgaqo-nkqubo we-inshorensi uqale ukusebenza. Ukuphakanyiswa kweendleko ze-pocket ozithathayo, aka wakho, uhlawule iindleko zakho ze-inshorensi jikelele.
01 Kutheni iinkampani ze-inshorensi zinikeza iidroductible?
Umzekelo: UJohn waguqa kwiqhwa waza wondla umzila womgcini. Ukutsalwa kwakhe yi-$ 500 kodwa uqikelelo lokulungisa isithuthi sakhe si $ 450. UJohn kuyakufuneka ahlawule ukulungiswa kwakhe ngokwakhe kungekho mfuneko yokufaka ibango kunye nenkampani yakhe yomshuwalense.
02 Iyiphi i-inshorensi yemoto ehlala ihamba kunye ne-deductible?
Akuyiyo yonke intengiso yomshuwalense wenqwelo-mali iza ne-deductible. Umthwalo kunye nomonakalo wepropati ngokuqhelekileyo awunikanga ukhetho oluchithwayo. Ukuqhelana , ukudibana, kunye nezobugqirha yimiba yemveli ekhutshwayo.
Umzekelo: UJohn ufuna ukufikelela ngokugcwele kwiloli yakhe ye-Ford ye-2010. Ukhetha i-100 eyi-deductible ye-comprehensive, i-$ 500 echithwe ngokukhawulelana, kunye ne-$ 300 echithwa yonyango. Uya kufuneka kuphela ukuhlawula i-deductible kwi-coverage esebenzayo kwibango elithile. Ngoko ukuba uJohn usemngciphekweni omnye wemoto kwaye uyalimala, uya kuba noxanduva lwakhe lokubambisa i-$ 500 kunye no-300.
03 Yintoni efunekayo ekufuneka uyikhethe?
Ukukhetha i-deductible kuthatha ingqalelo. Eyona nto ihlelwa yintando. Akukho mntu unokukuxelela oko ukwenzayo ngenxa yokuba ikusasa lingaziwa. Ngaba uya kuhamba iminyaka ngaphandle kwebango? Okanye, ngaba uya kuba yingozi engomso?
Umzekelo: Ibhanki idinga ukuba uJohn afeze ngokupheleleyo kwiloli yakhe. Unenkathalo kwaye sele esenakukwazi ukwenza iintlawulo ze-inshorensi. Ukhetha ukuhamba kunye needola ezili-1000 ezidityanisiweyo kwiinkcazo ezibanzi kunye nokudibanisa ukuzalisa ibhanki kunye nokunciphisa iindleko ze-inshorensi. Uyamkela ingozi ye-$ 1000 ngenxa yimuphi umonakalo emzimbeni lakhe.
04 Uhlawula nini i-deductible yakho?
Iideductibles zihlawulwa ngokukhawuleza ngexesha ufumana isithuthi sakho silungiswa. Ukuba isithuthi sakho silahlekelwe ngokupheleleyo, inkampani yomshuwalense izakukhupha i-deductible yakho kwintlawulo.
Umzekelo: Iloli likaJohn yabiwe kwaye amapolisa ayinayo nayiphi inhlanhla efumana isithuthi. Emva kweentsuku ezingama-30 ezipheleleyo, inkampani ye-inshurensi kaJohn yahlawula ixabiso langempela lemali yeloli yakhe yokunciphisa i-$ 1000 eyiyo.
05 Ungatshintsha i-deductible yakho?
Uninzi lwababathwali bomshuwalense likuvumela ukuba utshintshe i-deductibles yakho kwi-inshurensi yemoto nayiphi na ixesha. Ukuphakanyiswa kwakho okwenziwe kwixabiso eliphezulu kungekuze kubekho ingxaki. Yilapho uhamba ukuhlahlisa i-deductible yakho yenkampani ye-inshurensi inokufuna ukuba uqinisekise ukuba awunayo ilahleko. Ukuqinisekiswa kunokuthetha ngamazwi kodwa kwiimeko ezimbi kakhulu iifoto okanye ukuhlolwa kwamehlo kunokufuneka.
Umzekelo: UJohn uhlawule iloli lakhe. Ngoku akayi kuhlawula loo ntlawulo ephakamileyo yeloli ukwenzela ukuba angathanda ukunciphisa iindleko zakhe zokukhupha imali. Ucela ukunciphisa i-deductible yakhe kokubili kunye nokudibanisa ukusuka kwi-$ 1000 ukuya kwi-$ 500. Ummeli wakhe we-inshorensi uhlola ngokukhawuleza kweloli yakhe kwaye i-deductible iyancipha. Ngoku ukuba kwenzeka ingozi, uJohn akadingeki ukuba avele ngemali eninzi ephaketheni ukulungisa isithuthi sakhe.
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