Inqubomgomo Yomshuwalense Wezempilo Ephakamileyo Inokukhutshwa njani?
Imigaqo-nkqubo echithwayo ephezulu ivela kwi $ 1000.00 ukuya kwi-5000.00.
Unokufumana izicwangciso ze-inshorensi ngexabiso eliphezulu. Unokuvula i-akhawunti yokulondoloza impilo xa unesicwangciso se-inshurensi yezempilo ephezulu. Le akhawunti ikuvumela ukuba ube negalelo kunye neenzuzo zerhafu, kwaye unako ukufaka imali ngaphezulu kwonyaka. Ukuba uthabatha umgaqo-nkqubo ophezulu, kufuneka uvula i-akhawunti yokugcina imali ngexesha elifanayo. Kufuneka usebenze ukufaka isandla semali yakho echithwayo ngonyaka, ngoko uya kuba nemali yokuhlawula iindleko zonyango. Nangona kungathi kufane nokufana ne-akhawunti yokuchithwa kwemali, bahluke omnye komnye.
Ziziphi iingenelo zeCandelo leNkcazo yeNtsholongwane eDeductible?
Isisombululo esona sikhulu secebo elichithwayo eliphezulu kukuba iiprayimari zenyanga ziphantsi. Oku kuya kukukhusela xa kwenzeka isiganeko sempilo esiyingozi kwaye kukuncede ukuba ugweme izigwebo ezikhoyo phantsi koMthetho woNonophelo ongenakunciphisa.
Ukuba unempilo kunye nentsholongwane yomshuwalense ibonakala ibe yimali eninzi, oku kungakho okukhethwa kukho. Unokubeka bucala imali ukuze uhlawule imali yakho kwaye yonke into ifanele ikhutshwe xa udibana nayo. Gweba ukusebenzisa isicwangciso se-hybridi esinokudityaniswa okuphezulu kunye ne-copayments xa udibene ne-deductible yonyaka.
Oku kungakho okukhethwa kukho kuwe kwi- bhajethi eqinile .
Ziziphi Iingxaki Zomgaqo-nkqubo we-Intshurensi wezeMpilo eDeductible?
Isalathiso kwisicwangciso se-inshurensi ekhutshulwa phezulu kukuba unembopheleleko yokuhlawula yonke into ngaphandle kwipokhethi de uze ufike kwi-deductible yakho. Uya kuhlawula ikhulu leepesenti yeendleko zemigqaliselo, ukutyelela ugqirha, kunye nokuvakatyezelwa kwamagumbi okuphuthuma. Uya kuhlawula iindleko zokuhlinzwa kunye nezigulane zesigulane. Ukuba ucinga ngokukhulelwa, kufuneka ukhangele ukuba kukho ukhuseleko lokubeleka kumgaqo-nkqubo wakho. Unokusebenza ekulondolozeni unyango lwakho lwezonyango ngokuthenga izinto zokunakekelwa kwempilo ezinokuthengwa.
Ngifanele ndifumane nini iPolisi yeNtsholongwane ye-Intshumo ephezulu?
Unokuqwalasela isicwangciso esiphakamileyo sokutsala xa unempilo kwaye unqabile ukuya kudokotela. Yinto enhle ukuba ufuna ukunciphisa iindleko, kodwa kufuneka uqiniseke ukuba uqala ukubeka eceleni i-$ 5000.00 ukuze uhlawule iindleko zakho. Oku kuyindlela engcono kunokuba ungenayo inshuwalense yezempilo nhlobo. Kungenza kube lula ukwenza izigqibo ezinzima xa ugula, kuba uyazi ukuba unyameko lwakho lukhutshwe.
Ndingakhetha njani phakathi koMgaqo-nkqubo weNdabuko kunye noPhezulu oDeductible?
Umqeshi wakho unokubonelela ngenketho ephezulu okanye inkokhelo yempilo yomshuwalense wempilo.
Ukuba zihlanganisa yonke indleko ye-premium, kunokuba kube lula ukujongana nohlahlo lwabiwo-mali kunye nenkonzo yomshuwalense wempilo yenkcubeko, kodwa ukuba kufuneka uhlawule i-premium ngokwakho kufuneka uqikelele ngokunyanisekileyo iindleko zokuphela kwee-pocket zomgaqo-nkqubo zombini kwaye wenze isigqibo sakho malunga nenketho efikelelekayo. Ukuba uqeshwe, ungakhetha esi sicwangciso kuba iiprayam ziya kukunceda ugcine imali. I-inshurensi yezempilo yinto engafanele uyinqumle kwibhajethi yakho. Ubungozi abufanelekanga ukugcina imali. Ufanele unqumle yonke into emnandi kunye nezinto zokunethezeka kwi-bhajethi yakho ngokupheleleyo phambi kokuba uyeke ukuthwala i-inshurensi yezempilo. Isicwangciso esiphakamileyo sokurhoxisa siya kwenza kube lula kuwe ukugcina inshuwalense yezempilo.
Ngaba Umgaqo-nkqubo oPhezulu oDeductible ulungele phantsi koMthetho wokuNakekelwa ongenakunceda?
UMthetho woNonophelo oNgenakunqwenelekayo usethe imimiselo ethile apho umgaqo-nkqubo ngamnye kufuneka udibane nawo ukuze ugweme iintlawulo ezingekho ninshuwalense.
I-inshurensi ngokusebenzisa umqeshi wakho kufuneka ihlangabezane nale mfuno. Ukongezelela, ukuba uhamba ngegosa lomshuwalense ozimele, kufuneka akwazi ukukunceda ukuba ufumane umgaqo-nkqubo oya kufeza iimfuno.