Inkcazo: Ixesha leNkcazo kaNtshurensi yimalini yenkampani ye-inshorensi iya kuvumela i- premium yomshuwalense ukuba ifunyenwe ngelixa igcina i- inshorensi yakho esebenzayo Ixesha lobabalo lichazwe kwisivumelwano somgaqo-nkqubo we-inshorensi oya kuthi ichaze iimeko ezenza ukuba ibango hlawulwa ukuba ixesha lobabalo lidibene okanye alidibana. Amaxesha obomi ahluka ngoxhomekeke kwintlobo yomshuwalense kunye nenkampani yomshuwalense
Ayikho yonke inkampani ye-inshorensi inobungangamsha. Ukuba awuhlawulanga i-premium yenkampani yomshuwalense kwixesha lobabalo okanye ngomhla ofunekayo, umgaqo-nkqubo kunye nesigxina sakho sinokukhanselwa okanye unokuba neentlawulo zokuhlawula. Ubumnandi bomshuwalense maxa wambi badideka " ngamaxesha okulinda i-inshorensi ", nangona oku akufani. Funda kabanzi malunga nexesha lomsindo we-inshorensi kwaye lisebenza njani kwimimiselo engezantsi.
Ixesha leNkxaso Yomshuwalense Lixesha Elide Kangakanani?
Ixesha lomsindo we-inshorensi lingahluka kwiinkampani ze-inshorensi kwinkampani yomshuwalense nakwi-state. Ukuba kukho ixesha lobabalo, ngoko kuxhomekeke kumgaqo-nkqubo we-inshorensi, ixesha lobabalo lunokuba luncinane kangangeeyure ezingama-24 okanye nje ngeentsuku ezingama-30. Intshuwalense yezempilo, njengoko ichazwe kumzekelo ongezantsi, inokufikelela kwisithuba seentsuku ezingama-90 esisekelwe kwiimfuno ezithile phantsi koMthetho weZonyango lwezeMpilo .
Ixesha leNtsapho Yomshuwalense yenza ntoni?
Ixesha lomsindo we-inshorensi linika abantu ithuba elihle lokuhlawula iiprimiyamu zabo ze-inshorensi xa kwenzeka ukuba into engalindelekanga yenzeke ngaphaya kolawulo lwabo, njengokulibaziseka ekuhambisweni kweposi.
Icacisa iimeko apho ibango liza kuhlawulwa, okanye ayiyi kuhlawulwa ukuba intlawulo ifunyenwe kwithuba lobabalo
Iimviwo zeeNtshumo zeNtshurensi zingadluliselwa ngokuxhomekeke kulo:
- uhlobo lomgaqo
- inkontileka yomshuwalense ngokwemiqathango kunye nokubhala phantsi
- ngemimiselo kaRhulumente okanye yomthetho
Ziziphi iintlobo zeMigaqo-nkqubo enesiKhokhelo seNkushuwalense?
Ixesha lobabalo lwe-inshurensi lisebenza kwiintlobo ezahlukeneyo zemigaqo-nkqubo njenge- inshorensi yezempilo, inshorensi yobomi , inshuwalense yekhaya, i-inshurensi ye- condo kunye ne- inshurensi yemoto
Ayikho yonke inkampani ye-inshorensi inyanzelekile ukuba inikeze ixesha lobabalo lwe-inshorensi. Kumele ucele ummeli wakho we-inshorensi ukuba akuxelele ukuba lakho liyenzayo.
Ngaba kukho Iindleko Zokuhlawula Ngethuba leNkxaso Yomshuwalense?
Kukho okanye akuyi kuba yisigwebo, okanye inkokhelo eyongezelelweyo xa uhlawula intlawulo ye-inshurensi ngexesha lobabalo.
Ngaba Ixesha leNkxaso Yomshuwalense yiNkxaso yeeNkxaso kwiNkampani yonke?
Imigaqo yomsindo we-inshorensi iyahluka ukusuka kummandla ukuya kwilizwe kwaye ezinye iinkampani kunye nemigaqo-nkqubo ayinayo. Buza i-arhente yakho malunga neemeko zakho zentsholongwane yomshuwalense okanye qhagamshelana nomkhomishinala wakho wombuso we-inshorensi ukuqonda imigaqo ethile yohlobo lwakho lomgaqo-nkqubo.
Kuthiwani Ukuba Unenkinga Yokuhlangabezana Nexesha Lobubele Bomshuwalense?
Njengoko kuboniswe kumzekelo 1 ngezantsi, ukugcina uqhagamshelwano oluvulekileyo kunye ne-arhente okanye ummeleli unokunceda ngokwenene. Ukuba awukwazi ukuhlawula i-premium yakho ngokugcwele, qwalasela izicwangciso zokuhlawula okanye ukurhoxiswa kwebhanki yenyanga. Ezinye iinkampani ze-inshorensi zikunika isaphulelo sokuya kwisicwangciso sohlawulelo lwenyanga, ngoko akusiyo kuphela into efanelekileyo, kodwa iya kukugcina imali ngokungeza izaphulelo ezingaphezulu. Isinyathelo sakho sokuqala xa ubona ingxaki ngenkokhelo yakho yomshuwalense kukubiza umnxusa wakho, ngokwenene bakhona ukunceda kwaye bafuna ukuqinisekisa ukuba benza konke abakwazi ukukukunceda uhlale unesiqinisekiso.
Yintoni eyenzekayo Ukuba awuyi Kuhlawula Ngethuba leNkxaso Yomshuwalense
Ukuba awuyi kuhlawula ngexesha lomsindo we-inshorensi
- Inkonzo yakho yomshuwalense ingaxoshwa ngenxa yokungahlawulwanga
- Awuyi kuba nayiphi na inshorensi xa ulahlekelwe
Kukho ezininzi izizathu zenkampani yomshuwalense ingawususa umgaqo-nkqubo wakho , kodwa phakathi kwabo, ukukhanselwa kokungahlawulwanga kungabangela ingxaki yangempela phantsi komgca. Ngeke nje ufumane i-insured kuphela, kodwa ezinye iinkampani ze-inshorensi zingenakukukhusela ngokuxhomekeke kwizikhokelo zabo ezibhalwe phantsi okanye zingenakukunika isaphulelo semali-ntlawulo ngenxa yokugqithiswa kwe-inshorensi, okanye ingakunikezi izicwangciso zokuhlawula ngenxa yoko.
Kwimeko ye- inshorensi yobomi bomntu , qaphela ukuba xa uvumela umgaqo-nkqubo ukuba ukhanselwe ungadinga ukufumana uvavanyo olutsha lwezonyango kunye nokubeka ingozi ekufunyaneni ukukhutshwa kwemali okanye kufuneka ukhokhe iiprayimari eziphezulu ukuba impilo yakho ishintshile ukususela okokuqala nkqubo wokuqala.
Ufuna ukuphepha ukukhutshwa kuzo zonke iindleko. Khumbula ukuba amazinga omgaqo-nkqubo we-inshurensi ngamanye amaxesha athabatha inqaku lakho lokuthenga ngetyala, ngoko ke ungakhokheli ngoku, unokuhlawula ngokuzayo emva koko.
Ngezicwangciso ezininzi zokuhlawula, iinkampani zomshuwalense zinikezela ukuba zikwazi ukufumana indlela yokuhlawula ngexesha lomsindo we-inshorensi ngokuxoxa ngeendlela zakho zokuhlawula kunye ne-arhente yakho.
Imizekelo yendlela Umhlala-mali kaNtsholongwane kaNtsholongwane onokusetyenziswa ngayo
Nantsi imimiselo yeemeko ezahlukeneyo apho ixesha lomsindo we-inshorensi lwenzeka.
Umzekelo 1: Ukugcina Uvulo oluvulekile kunye noMmeli wakho Uya kunceda Qinisekisa ukuba Ulahlekelwa Ixesha leMbali
UJoan akazange akwazi ukuhlawula intlawulo yomshuwalense wemoto xa bekufanelekile. Kwakufuneka ngoLwesithathu, kodwa akayi kukwazi ukuyihlawula kude kube ngoLwesihlanu. Wambiza ummeli wakhe we-inshurensi waza wambuza ukuba wenzeni. Igosa le-inshorensi litshele uJoan ukuba unomhla we-15 wenceba ukuhlawula intlawulo ye-inshurensi yemoto kwaye bekungekho mrhumo owongezelelweyo wokuhlawula intlawulo ye-inshurensi yemoto phakathi kwelo xesha lobabalo. Waqinisekisa uYoan ukuba inqwelo yomshuwalense wemoto yakhe iya kuhlala isebenza ngexesha nje ukuba intlawulo yomshuwalense wemoto yakhe ifunyenwe kwisithuba se-15 somusa.
Umzekelo wesi-2: Intlawulo yoMgaqo-nkqubo we-Inshorensi ayifumananga xa iBango liye laphumela, kodwa ngenxa yexesha lokuBala likaMangalo ibango liyahlawulwa
UJennifer wathenga umgaqo-nkqubo omshuwalense wendoda yakhe, ummeli wakhe wamxelela ukuba i-premium yayimelwe ngomhla we-20 kaJuni. UJennifer wagqiba ukuhlawula i-premium yakhe ngokuthumela ithenkco kwi-imeyile ngo-Juni 15, elindele ukuba liya kufumana ngexesha. Ngelishwa, inkonzo yeposi yithatha ixesha elide kunokuba likulindeleke, kwaye ngo-Juni 22 xa uJennifer ebiza ukuba enze ibango, i-arhente yakhe yamxelela ukuba imali ayifumanekanga. UJennifer wamothuka ngenxa yokuba wayithumelele intlawulo. Wayekwesaba kodwa i-arhente yakhe yamxelela ukuba angakhathazeki ngenxa yentsuku yomshuwalense, wayeneentsuku ezi-5 ezongezelelweyo ngaphambi kokuba umgaqo-nkqubo wakhe ukhanselwe. Ixesha lomsindo we-inshorensi lilondoloze uJennifer imali eninzi ngenxa yokuba ibango lakhe lifihliwe kwaye isheke lakhe lafika kwinkampani yomshuwalense ngosuku olulandelayo. Ngombulelo kweso sababalo se-inshorensi yonke into eyenziwa. Ngexesha elilandelayo, uJennifer wagqiba ekubeni afune ukuhlawula ngemali ekhompyutheni egqithiselwe kwibhanki yakhe ukuphepha uxinzelelo lolo hlobo olufutshane.
Umzekelo wesi-3: Ibango alihlawulwanga kwiKhaya elitsha ngenxa yokuba ixesha loBomi aluhlonelwa
UJeff noJulie bathenge umgaqo-nkqubo wekhaya labo elitsha, le yile inshuwalense yabo yokuqala yekhaya kangangokuthi bebengayazi kakuhle indlela ixesha lobabalo lwe-inshorensi elisebenza ngayo. UJeff ngoxa uJulie wayeya kuhlawula umgaqo-nkqubo kwaye uJulie wacinga ukuba uJeff uyakuyinyamekela, into elandelayo uyazi ukuba ixesha lokubonga laphelile kwaye umgaqo-nkqubo awuzange ukhokhwe. Inkampani yomshuwalense yabathumela ileta kwaye yazama ukuyibiza, kodwa ngenxa yokuba yayiphakathi kokufudukela kwikhaya labo elitsha, ilahlekile iifowuni kwaye ayizange ibone i-imeyile. Ngobusuku bobabini kwikhaya labo elitsha, ukuqhuma kombhobho obangela umonakalo wamanzi kwisantya sokuqala. Bambiza inkampani yomshuwalense ukuba bafumane ukuba ixesha lobabalo liphelile iintsuku ezimbini ngaphambili kwaye abazange bafumane ingxelo. Ngenhlanhla bekungekho "umonakalo omkhulu", kodwa ibiza imali engaphezu kwama-5,000. Emva koko inkampani yomshuwalense yawacebisa ukuba abayi kuwufaka i-home insurer kuze kube yilapho ukulungiswa kugqityiwe, ngoko bekufuneka bajonge i-inshurensi eyimimandla ephezulu yengozi ngenxa yokuba imali yabo yokuthenga imali ifunwa ubungqina bomshuwalense ukukhusela mboleko. Ukuba beyayiqonda ukubaluleka kokuhlawula ngexesha lobabalo, oku kwakungeke kwenzeke.
Umzekelo wesi-4: UMthetho wokuNakekelwa kwezeMpilo ongenakunceda (ACA) kunye neeNyanga zeBrace
Nangona ingekho yonke inshorensi yempilo efunekayo ukubonelela ngexesha lomshuwalense, ngexesha le-ACA, Abatshutshisi kufuneka banikele abaphathi-nkqubo ukuba bafumane ukuhlawulwa kwangaphambili kwemali yentlawulo ye-premium. Nangona kunjalo, ukuba iiprayimari ezipheleleyo azihlawulwanga ngokupheleleyo ngenyanga yesithathu yenkathi yobabalo, umgcini-mali uyawukhansela umgaqo-nkqubo emva komhla wokugqibela lwenyanga yokuqala yonyaka wexesha lobabalo.