Ukuba unayo ikhadi lekhredithi mhlawumbi uceliwe yinkampani ukuba ungathanda ukongeza i-inshorensi yekhredithi. Abaninzi abaqhelekanga ngale hlobo lomshuwalense kwaye banqatshelwe okanye bayamkela ngokuzenzekelayo bengazi ukuba luhlobo olufanelekileyo lwe-inshurensi kwiimfuno zabo . Njengaye zonke i-inshorensi, ukukhetha iimfuno zahluke kumntu kumntu ngenxa yokuziphatha kwethu okuhlukeneyo kunye neemfanelo zakhe.
I-inshorensi yemali-mboleko inokuba luncedo kwabanye kodwa nje ngeendleko ezingenasiphelo zabanye kuxhomekeke kwimeko ethile. Ukwazi ukuba yeyiphi i-inshorensi yemboleko kwaye iintlobo ezahlukeneyo zinokukunceda wenze isinqumo esinolwazi.
I-inshurensi yemali ingabakho kwiindidi ezahlukeneyo. Iintlobo ezine eziphambili zobomi bentengo, ukukhubazeka, ukungasebenzi, kunye nepropati:
- I-inshorensi yobomi bentengo ihlawula ityala ofunekayo xa ufa. Umxhamli womgaqo-nkqubo kufuneka abe yinkampani enetyala.
- I-inshurensi yokukhubazeka yokukhubazeka ikhusela ubuncinane bakho bemali ngokwenza imali encinci yenyanga yokuhlawulwa xa ukhubazeka ngemithi. Ngokuqhelekileyo, kukho ixesha elimiselweyo eliza kwenziwa iintlawulo kunye nokuthenga okongeziweyo emva kokukhubazeka akuyi kufakwa.
- I-III. Inkokhelo yengxowa-mali engekho phantsi kwemisebenzi iya kwenza ukuba imali yakho encinci yokuhlawulwa yenyanga ihlawulwe okanye ihlawulelwe, kwaye kwakhona, ukuthenga emva kokungaqeshwa kwabangenako ukungabandakanywa kwemisebenzi kungeke kuhlanganiswe.
- I-inshurensi yepropati yobunini-mboleko isoloko iya kukhupha ngokupheleleyo ityala kwizinto ozithenge ngekhredithi ukuba izinto zichithwe ngokupheleleyo ziganeko ezichazwe kumgaqo-nkqubo kwaye i-deductible ayiyi kufaka isicelo sembuyekezo ehlawulwayo.
2. Yazi ukuba i-inshorensi yeTyhurensi ithengiswa njani
Ngoku ukuba uyazi ngakumbi nge-inshorensi yemboleko kubalulekile ukuqonda ukuba kuthengiswa okanye kuthengiswa kubathengi.
Ngokuqhelekileyo, iinkampani ziya kukucela ukuba uthenge xa ubhalisela i-credit okanye emva kokucela umnxeba. Xa i-inshurensi yekhredithi ithengwa yona inikelwa mahala kwixesha elithile kwaye ngamanye amaxesha inkampani iya kukunika isheke ukuze ufumane imali kwi-akhawunti yakho yasebhanki njengenkuthazo yokuzama i-inshorensi yemboleko. Ngokufaka imali yokutshekisha ukuba ubhalisa kwinkqubo.
Ngokungafani neenkqubo ezininzi ze-inshorensi, i-inshorensi yekhredithi ingaqala ngokuthi "ewe" kwaye akufuneki ukuba isayinwe ukuze uqinisekise ukuba uyayivuma okanye ugcwalise isicelo sakho sekhredithi.
3. Cinga ukuba i-Intshurensi yeMali-mboleko ikwawe
Ukuqwalasela iimfuno zakho zemali zangoku kunye nezizayo kuyisinyathelo sokuqala ekunqumeni ukuba unokuzuza kwi-inshorensi yekhredithi. Ukuba sele usenomgaqo-nkqubo obuninzi wobomi kunye ne-inshorensi yokukhubazeka, kunokwenzeka ukuba uya kuba neenkcukacha ezaneleyo kule migaqo ukukhupha iakhawunti yakho yekhredithi ngenxa yokufa okanye ukukhubazeka. Kodwa, ngakolunye uhlangothi, ukuba awunayo nayiphi na imigaqo yobomi kunye nokukhubazeka kwemigaqo-nkqubo engathethi ukuba ityhurensi yekhredithi yinto ekhethekileyo kuwe.
I-inshorensi yemboleko ayikwazi ukuba yindleko efanelekileyo kwaye ngokuqinisekileyo ayinakuguquguquka njengemigaqo-nkqubo yobomi kunye nokukhubazeka.
Umzekelo, ukuba unamakhadi amaninzi kufuneka wenze umgaqo-nkqubo kwi-akhawunti nganye. Ngaloo migaqo-nkqubo yenyanga, unokukwazi ukuthenga umgaqo-nkqubo wendabuko kunye / okanye ukhubazeko kumgangatho omncinci kwaye ufumane ingqalelo engaphezulu, ungakhankanyi emva kokuba ibhalansi yakho yemali ihlawulwe ngomgaqo-nkqubo wendabuko uya kufumana imali eseleyo. Kwaye, njengoko kukhankanywe ngaphambili, ukukhubazeka kunye nenkonzo yomshuwalense yokungabikho kwemisebenzi kuphela yintlawulo encinci ihlanganiswe kwaye kuphela ixesha elithile. Kungenzeka ukuba emva kokuba inzala iqokelelwe kwiintlawulo ezincinci kuphela ezenziwe ukuba ibhalansi ibe yinto enkulu emva kwexesha elichanekileyo elivunyelwe kumgaqo-nkqubo weentlawulo.
4. Buza malunga neMigaqo-nkqubo ye-Intshuwalense Yesikweletu
Ukuba unquma ukuba i-inshorensi yekhredithi kukuba kuwe, kubalulekile ukwazi malunga nomgaqo-nkqubo owufumanayo.
Uya kufuna ukubuza malunga noko kungabandakanywa kumgaqo-nkqubo. Yaye khumbula ukuba xa uthengela umgaqo-nkqubo we-inshorensi yemboleko equka zonke iindidi ze-inshorensi yekhredithi (ubomi, ukukhubazeka, ukungasebenzi, kunye nepropati), qiniseka ukuba awukhokhanga into ongayifuniyo. Umzekelo, ukuba awuqeshwanga ngexesha lokufumana i-inshorensi yokungabikho kwemisebenzi ohlawula i-coverage ongayisebenzisiyo. Omnye umzekelo uya kuba ne-inshorensi yobomi besikweletu. Enye imigaqo-nkqubo iyanqunyanyiswa kwimimiselo yokudala kunye ne-inshurensi yemali ye-inshorensi ayiyi kubuza iminyaka yakho kodwa kunoko nje ikubhalisele i-inshurensi. Qinisekisa ukuba uphando zonke iimfuno phambi kokuvuma umgaqo-nkqubo.
5. Khangela ukuba unako ukuKhupha ngokusisigxina iMinshurensi yeMatyala
Njengoko kushiwo ngaphambili, ininzi yesikhorensi yesikrama iqala kwisivivinyo samahhala . Emva kokuba uvavanyo olukhululekile luphelile uya kufuneka unqume ukuba ngaba ufuna ukugcina umgaqo-nkqubo okanye cha. Ngelishwa, emva kwesilingo samahhala, kuya kuba nzima ukukhansela umgaqo-nkqubo we-inshorensi yemali. Kwezinye iimeko, kunzima ukufumana inombolo efanelekileyo yefowuni ukukhansela umgaqo-nkqubo. Ukuqhagamshelana nenkampani yekhadi lesikweletu akunakunceda okanye kuba abanako ukuqinisekisa ukuba yiphi inkampani yomshuwalense inokukunika i-inshorensi yemboleko.
Ukuba ukhetha ukuthenga umgaqo-nkqubo we-inshorensi yemboleko qiniseka ukuba uyithenga yonke into oyifunayo ukuze uyikhansele, kwaye ugcine olo lwazi lugcinwe kwindawo ephephile kunye nolwazi lwekhadi lesikweletu.