Inqubomgomo ye-Intshurensi yeNtlupheko yokukhubazeka

Fumana ulwazi malunga neziCwangciso ezahlukeneyo ezikhoyo

Yintoni eya kwenzeka kuwe nakwintsapho yakho ukuba unokukhawuleza ube neengozi okanye ugula kwaye ungakwazi ukusebenza? Nangona into encinci kuthiwa ayikho into esicinga ngayo, iintsapho ezininzi zishiywe ukujongana nobunzima obulethwe yilahleko yengeniso xa ukukhubazeka okungalindelekanga kukuphazamisa imali yeentsapho. Uninzi lwabantu alukho ukonga ukuthetha-okanye ubuncinane, alanele. Le yilapho i-inshorensi yokukhubazeka ingena kwaye inokunceda ukugcina imali yakho yentsapho ifanelekileyo xa ukhubazekileyo.

IQumrhu leMali eliyiNtloko ligama elidala kunye elihloniphekileyo kwi-inshurensi kwaye linikezela umgca opheleleyo wemveliso yomshuwalense yokukhubazeka kwezo zombini namashishini.

Inkcazo yeNkampani

Le mibutho ephezulu ye- inshorensi yanikezela iqela eliyiNtloko yezeMali elilinganayo elinamandla okulinganisa imali:

• AM Best - A + Superior
• Inkonzo ye-Investor ye-Moody - A1 Enhle
• I-Standard & Poor's (S & P) - A + Strong
• Ukulinganiswa kwe-Fitch - AA- Inamandla kakhulu

Iqela lezeMali eliPrintential likwabala kakuhle kwinkonzo yabathengi nge-"A +" ukusuka kwi-Business Business Bureau.

Izicwangciso zeNtsholongwane yeNtsholongwane yokukhubazeka

• Ukukhubazeka kwexesha elide: Isicwangciso sokukhubazeka kwexesha elide sinika uncedo oluphezulu ukuya kwii-20 000 zamaRandi kwaye akudingeki ukuba ube nokukhubazeka ngokupheleleyo ukufumana izibonelelo. Nangona ubuyela emsebenzini emsebenzini wexeshana, unokufumana izibonelelo. Kukho inzuzo efanelekileyo yokuhlala yokuhlala eya kukunceda wenze nayiphi na inguqu efunekayo emsebenzini wakho wokubuyela emsebenzini. Izibonelelo eziphumayo zihlawula ngokukhawuleza xa unesifo sokuphela.

• Ukukhubazeka kwexesha elide ngokuzithandela : Lo mgaqo-nkqubo ngowamaqela abasebenzi abahlanu okanye ngaphezulu kwaye unokulungiswa ukunikezela ngeepriyam ezinokuhlawuleka. Ukukhubazeka ngokubanzi akufunekiyo kulo mgaqo-nkqubo. Kukho ukufikelela kweeyure ezingama-24 zomsebenzi kunye nokungaphumeleli emsebenzini. Njengento ekhethekileyo, uncedo lokunakekela abantwana lunikezelwa abasebenzi ukuba babuyele emsebenzini. Kukho kwakhona umxhelo wemfundo nokuxhaswa komhlalaphantsi ongenakongezwa.

• Ukukhubazeka kwexesha elifutshane : Iiphakheji zokufumana izibonelelo ezifumanekayo zifumaneka kuzo zombini izikhubazo ezipheleleyo kunye nendawo. Kukho kwakhona iiyure ezingama-24, ukukhuthaza umsebenzi kunye neNkqubo yoNcedo lwabaSebenzi (EAP).
• Ukukhubazeka kwexesha elifutshane ngokuzithandela: Umgaqo-nkqubo wokukhubazeka wexesha elifutshane ufumaneke kumaqela abasebenzi abahlanu okanye ngaphezulu. Kukho isaphulelo seqela lesaphulelo. Abasebenzi banokukhetha ukuthenga le ngxelo ngokubambisana nomqeshi ohlawulelwayo okanye ngokuzimela. Izibonelelo zokuzikhethela zibandakanya ukukhutshwa komama, ukufumana iingeniso zokusinda kunye neeholide ezingama-24 zomsebenzi kunye nokukhubazeka okungahambisani nomsebenzi.
• Intshuwalense yokukhubazeka ngamnye : Lo mgaqo-nkqubo ufumaneke kubantu abasebenza okungenani iiyure ezingama-20 ngeveki kwizinto ezifutshane kunye nexesha elide kunye nenketho yokongeza isithuba sokukhusela umhlala-phantsi womhlala-phantsi.

Ukuba awuqinisekanga malunga naluphi uhlobo lomgaqo-nkqubo kunye nokuba luninzi lwe-coverage lokuthenga, kukho ikhowudi yomshuwalense we-inshorensi yokukhubazeka ukukunceda ukuba ufumane isigxina esikufunayo.

Zomibini iinkqubo zoshishino kunye nokukhubazeka kwabantu ngabanye inzuzo :

• Unako ukuthumela nokulandelela amabango kwi-intanethi.
• Zonke izibango zihlaziywa ngabasebenzi bezonyango basekhaya, kuquka neengcali zokuvuselela ubuhlengikazi kunye nabahlengikazi.

• Ukuguquka kwebango eligqithisileyo xa unokukhubazeka kwexesha elifutshane eliba lukhubazeko lwexesha elide.

Ngaphantsi

IQumrhu leMali eliPhambili linokulinganisela kwamandla omgangatho ophezulu kunye nokulinganisa okuphezulu kwiBusiness Business Bureau. Oku kuthetha kakhulu malunga nendlela inkampani eqhuba ngayo ishishini. Ukuba ufuna inshorensi yobomi, i-inshorensi yokukhubazeka okanye iinkonzo zezezimali, le nkampani iyafanelwa ukuba uyiqwalasele xa uthengela ukulungiselela. Amashishini aya kufumana iindidi ezahlukahlukeneyo zokukhetha iinkqubo ezibandakanya iinkonzo zomhlala phantsi, iqela lamazinyo, ukukhubazeka, ubomi, umbono kunye nemikhiqizo yokugula.

Iinkcukacha zoqhakamshelwano

Ukuze ufunde kabanzi malunga nemveliso yomshuwalense enikezelwa yiNkqutyana yezeMali, unokutyelela iWebhsayithi yeCandelo leMali leNqununu okanye ubiza 1-800-986-3343. Kukho iinkcukacha zoqhagamshelwano ezikhethekileyo ngokuxhomekeke kwiimfuno ozifumanayo kwiinkampani zokuqhagamshelana nathi kwiphepha okanye unokutyelela iofisi yokuthengisa yasekhaya yase-US.