I-inshurensi echithwayo ngumyinge wemali oya kuhlawula kwi-inshurensi ibango phambi kokuba u-inshurensi iqala ukuhlawula.
Inxalenye yakho yemithwalo-mboleko yemali kwaye iyayifaka inxalenye yengqesho yakho yontrama. Kufuneka ufike ngemali yemali yakho echithwayo ngaphambi kokuba ibango lihlawulwe kwiimeko ezininzi.
Uhlawula i-deductible yakho kwaye inkampani yomshuwalense iyavuma ukuhlawula lonke (ukufikelela kwimida yomgaqo-nkqubo kunye neemeko kumagama).
Iinshurensi eziThatywayo
Kule nqaku siza kugubungela zonke iziseko ze-deductible, unganqumla phantsi kwezihloko ukuze ufumane ulwazi olufunayo, kubandakanywa izikhonkco nakwamanye amanqaku aqulethe imibuzo ethile ngeenkcukacha xa ufuna.
I-Intshurensi echithwa njani?
Khawucinge nge-Deductible njengeNgxenye Yakho ye "Deal". Xa uthenga i-inshorensi uzikhusela kwiingozi ezingalindelekanga eziza ngendlela yokulahlekelwa okanye ukulimala .
Ngokuthenga i-inshorensi ucela inkampani yomshuwalense ukuba ibuyele umva wakho xa unobungozi obunokukulimaza ngokwezimali. Kananjalo, inkampani yomshuwalense idla ngokuthi, "Ngokuqinisekileyo, ndiya kukugubungela ukuba ulahlekelwe, kodwa ngaba uyavuma ukuhlawula inxalenye yokuqala ngokuhlawula imali?" Ukusebenzisa umzekelo we-$ 500 echithwayo, uthi, "Ndiyakwazi ukuhlawula i-$ 500 yokuqala yelahleko, ukuba unakho ukuhlawula lonke." Bakuxelela ukuba baya kukuhlawulisa kangakanani ngokusekelwe kumngcipheko onokulungele ukuzifihla.
Inxalenye yomngcipheko owugubungelayo i-deductible.
Uyifumana phi i-Out of Use?
I-deductible yakho kufuneka ibhalwe phantsi njengenxalenye yemimiselo kunye neemeko zekhontraki yakho kwiphepha lokubhengezwa kwenqubomgomo yakho yomshuwalense Ukuba awuqinisekanga ukuba yintoni echithwe kuyo, okanye apho ungayifumana khona, qhagamshelana nommeli wakho wenkampani ye-inshorensi uze ubuze.
Kufuneka ubabuze ukuba kukho iinqununu ezininzi kwiimeko ezahlukeneyo.
Imizekelo yeziDeductible:
- Unokwenyulwa enye kwikhaya lakho kunye nokuqulethekileyo, kunye nexabiso elithile elichithwayo xa ibangela yokulahlekelwa yindyikima. Intshuwalense yokuzamazama komhlaba ibinomda ophezulu.
- Omnye umzekelo weentlawulo ezahlukeneyo kumgaqo omnye kukuba ngaba unikwe imvume okanye umgibeli kwipolisi yakho. Umgibeli angenakho ukudityaniswa, nangona yonke inqubomgomo yakho yenza. Kungesizathu esinye abantu abaninzi bathenga umgibeli, ukuphepha ukuhlaselwa kwizinto ezithile ezixabisekileyo, OKUNYE >>
Ngubani osenza isigqibo sokuba i-Deductible iya kuba yintoni?
Njengoko umntu uthengisa umgaqo-nkqubo we-inshorensi, udla ngokukhetha ukuba uninzi oza kutsalwa. Ephakamileyo i-deductible, ixabiso eliphantsi kwe-inshurensi yakho.
Unokucinga ngokutsalwa kwe-inshorensi yakho, inxalenye oye wavuma ukuyihlawula.
Njengoko kuthethwe ngentla, yincinci yakho ye-deal ngoba uthatha isinqununu sokulahlekelwa yingozi " .
Ephakamileyo umlinganiselo wengozi ozimisele ukuwufihla nge-deductible, umngcipheko omncinci kwenkampani yomshuwalense. Ngoko ke, banciphisa indleko zabo. Ubambiswano apho wena kunye nenkampani yomshuwalense iyavuma ukukwabelana ngemingcipheko yemali.
Yintoni eDeductible Minimum?
Umgaqo-nkqubo unokuba nobuncinci obuncinane. Iinkampani ze-inshurensi zifuna ukuba uhlawule inxalenye yakho kwibango, ngoko ke kwiimeko ezininzi, inkampani yomshuwalense iya kubeka ixabiso elincinci. Unako ukwandisa imali yakho ekuthengeni imali, kodwa awukwazi ukunciphisa ukuba inkampani yomshuwalense isetyenzisiweyo esincinci.
Yiyiphi i-Minimum Deductible yeeNkqubo ezahlukeneyo ze-inshorensi?
Ngokuqhelekileyo i-deductible encinci leyo ihlukahluka ngohlobo lomgaqo-nkqubo. Umzekelo, umgaqo-nkqubo wekhaya unokufumana i-deductible ye-$ 500 encinci. Okuncinciweyo okuncinciweyo kuya kutshintshwa nguRhulumente kunye nomgaqo-nkqubo.
Ezinye iikhampani zinikela ngokunciphisa i-zero okanye zinyamalale iinqununu, ngoko-ke qiniseka kwaye ubuze indlela osebenza ngayo kunye nokuba kukho ubuncinci obuncitshisiweyo okanye ukhetho lokufumana i-zero deductible. Khawukhumbule nje, i-lower down deductible, ngokuqhelekileyo ukuhlawula.
Funda kabanzi malunga nale ngezantsi.
Ndingayigcina Njani Imali Ngokuhlaselwa ?
Nangona uhlawula ngaphezulu kwebango xa unomdaka ophezulu, into yokuba abantu abanalo amabango minyaka yonke. Ngoko-ke unyaka ngamnye awunayo ibango, kwaye uthathe i-deductible ephezulu, unokugcina imali engama-20% okanye 30% kwiindleko ze-inshurensi yakho.
Unokufunda okungakumbi malunga nendlela yokugcina imali ngokunyusa ukukhangela kwakho apha . Unokutshintsha i-deductible yakho kwinqubomgomo yakho yomshuwalense ukuba ifanelane neemfuno zakho, ukwandisa ngaphezu kokuncinci kukugcina imali. Okukuphela kwimeko ukuba ngaba unezibhengezo zamabango, apho i- inshorensi engabonakaliyo inokumisela i-deductible ephezulu kuwe kodwa ingakunikeli isaphulelo.
Iintlobo ezimbini zeDeductibles
- I-deductible ingaba yinani leedola
- I-deductible ingabhaniswa njengepesenti yesakhiwo okanye indawo yokuhlala isiqinisekiso. Oku kuqhelekileyo kunye neziganeko ezinjenge-inshorensi yenyikima, isivunguvungu nesichotho, okanye kwiipropati ezinokuba nezingozi eziphezulu okanye i-inshurensi yasekhaya njengamakhaya angenamntu.
Umzekelo olula weNkqubo yokuDeductible
Umzekelo, ukuba uphangiwe, unayo i-$ 6000 yezinto ezibiwe, kodwa unayo imali engama-$ 1000, uhlawula i-$ 1000 yokulahleka kunye nenkampani yomshuwalense iya kuhlawula i-$ 5000 eyisele.
Kukho imizekelo eyinkimbinkimbi enokukunceda ukuba ukhangelele le ngcaciso kuba ufuna uncedo ekuqikeleleni ukuba ufanele ukuhlawulwa njani kwibango, inqaku lethu kwimida ekhethekileyo ye-inshurensi nendlela ekuchaphazela ngayo ukuhlawulwa kwamabango nokuba luncedo.
Iintlobo ezahlukeneyo zeMigaqo-nkqubo ye-Inshorensi Ukunikezela ngeentlobo ezahlukeneyo zeDeductibles
I-inshurensi ilawulwa nguRhulumente kwaye oku kusebenza nakwii-deductibles ngokunjalo. Unokucela i-arhente yakho malunga nemithetho yakho yelizwe okanye uthintane nomkhomishinala wakho we-inshorensi yomhlaba ukuba uqonde ngokupheleleyo ukuba imithetho ithintela njani iinqununu kummandla wakho.
I-Deductible isebenza njani ibango?
I-inshurensi yasekhaya kunye neenqwelo-mlilo ngokuqhelekileyo isebenzisa i-deductible nganye kwibango Ibango liya kuba sisiganeko esibangela ukulahleka.
Ngaba zikhona iipolisi ezingenakucinywa?
Abantu abaninzi baye bacela; "Ngaba ndingayifumana umgaqo-nkqubo ongenakho ukudityaniswa?", Kukho imigaqo-nkqubo eya kuhlawulisa ukuba ingenayo i-deductible okanye inokukunika i-waiver echithwayo. Umgaqo-nkqubo wenkululeko ochithwayo okanye nokuba ukunyaniseka kokunyaniseka kunokwenzeka.
Indlela yokufumana umgaqo-nkqubo ngaphandle kweDeductible
Ufuna ukunyamekela ngeemeko ezikhankanywe apha ngasentla apho kungekho ductible kwaye uhlala ubuza ukuba umgaqo-nkqubo ungakanani ngaphandle kokushiya, ngokubhekiselele kumlinganiselo omgaqo-nkqubo owenziwe ngawo.
Ukuba iindleko zifana, ke yicinge ukuba yi-perk ethembekileyo, okanye into enhle yomgaqo-nkqubo oyithengayo. Ukuba kukho iindleko, kufike kuwe ukuba kulungile ixesha lakho ukuhlawula ngaphezulu.
Kukho ulwazi oluthe xaxa kwinqaku lethu malunga nokuqonda ukukhwabanisa kunye nendlela yokufumana ukunyaniseka kokunyaniseka .
Kutheni Ndifanele Ndihlawule Iingxaki ezimbini?
Uhlawula enye inokubanjiswa kwebango, kwiimeko ezininzi, kodwa xa unika ibango ngelixesha lomgaqo-nkqubo, uya kufuneka uhlawule kwakhona.
Ukuba uhamba ngenye inhlanhla kwaye uneziganeko ezibini ezikufutshane kakhulu ezingahambelaniyo, inkampani ye-inshorensi iya kujonga oku njengeziganeko ezimbini . Ukuba unamabango amabini kwikota elilodwa lomgaqo-nkqubo, nokuba ngaba ziintsuku ezimbini ngaphandle, uya kukhangela esinye isiganeko. I-deductible iya kufaka isicelo ngasinye kwisiganeko ngasinye, nokuba ngaba imbangela yomonakalo ebango ngalinye lifanayo.
Ngaba Ndingakuphepha Ukuhlawula Iingxaki Ezimbini?
Indlela yodwa yokuphepha ukuhlawula iinqununu ezimbini kukuba ubonisa ukuba iziganeko zihlobene okanye zibangelwa omnye nomnye.
Iinkampani zomshuwalense zikulungele ukufumana isizathu sokulahleka, kodwa ukuba ucinga ukuba zingasebenzisa ulwazi oluninzi malunga neemeko kwaye zingabonisa ukuba iziganeko ziye zifana kunye, kwaye azikho iziganeko ezibini ezihlukeneyo, ngoko ke kukufanelekile ukuthetha oku kunye ne-inshurensi yakho. isilungisi,
Ukuhlaziywa kwiimali ezinkulu kunye neNhlekelele
Kukho ukungafuneki xa ungeke uhlawule imali yakho, okanye umvuzo omnye unokufaka isicelo, umzekelo:
- Ngenxa yomonakalo wesikhukhula, i-deductible ingafaka isicelo ngexesha ngalinye okanye ngonyaka wekhalenda. Ngokomzekelo, iFlorida yimihlaba yodwa esebenzisa iikhalenda zonyaka weekharityhulam ngenxa yeimfuno zomshuwalense we-urricane .
- Ngenxa yezibhengezo zomshuwalense we-inshurensi, kunokubakho iinqununu ezihlukeneyo kwisakhiwo sakho sokwakha kunye neziqulatho.
- Xa uqinisekisa imoto yakho kunye nekhaya kunye nomshuwalense omnye, kwaye umgcini-mali uyavuma ukuba uya kutsalwa kuphela ekulahlekelweni okuchaphazela ezimbini. Oku kunenzuzo yokuba nekhaya lakho kunye neenqwelo-moya zihlanganiswe kunye kunye nokugcina imali kwiindleko ze-inshurensi .
Ngaba i-Deductible Inokufaka isicelo seMatyala amabango?
Izidumbu ezinokuthi zisebenzise kwimithwalo yemoto kunye nezibango zemfanelo zomshuwalense ekhaya. Ngokuqhelekileyo basebenzise umonakalo ngokomzimba kwimigaqo-nkqubo yekhaya kunye nemoto.
I- Ininshurensi yeMpilo yeeNtsholongwane eDeductibles ?
Imigaqo-nkqubo ye- inshorensi yempilo ithatha indlela eyahlukileyo, ukuqonda izinto ezisiseko zemigaqo-nkqubo ye-inshorensi yempilo ibaluleke kakhulu xa ugqiba kwii-deductibles. Awufuni ukubeka umngcipheko kwimpilo yakho ngenxa yokuba uthathe isicwangciso sezempilo esiphezulu kakhulu . Umele ulithenge i-inshorensi yakho yempilo kuba nangona indawo yokuthengisa i-inshurensi yezempilo ayisoloko ilona xabiso elihle.