Oku kuqondakalayo kuba xa umntu uthengela ukhetho konke okusemngciphekweni yi-premium yesixhobo. Ngamanye amazwi, inketho ende ivelisa inzuzo engenakunqununu ngelixa iyanciphisa ukulahlekelwa kwi-premium ehlawulwe. Ngoko ke, ukhetho lweekonkampani zomshuwalense kwixabiso.
Iyintoni Intengo Yomshuwalense?
Ingqiqo yentengiso yomshuwalense yintliziyo yeendlela zokurhweba kunye nokutyalomali. Xa kuziwa kwishishini le-inshurensi, kukho iinkampani zomshuwalense kunye ne-insured. Ii-premium zokuhlawula ii-insured kunye nenkampani yomshuwalense ibaqokelela. Ngokude nje ukuba iinkampani zomshuwalense ziqokelele i-premium ngaphezulu kunezibhengezo, zinenzuzo. Njengoko sonke siyazi, iinkampani zomshuwalense zivame ukwenza imali eninzi. Isizathu sokuba ndidwebe lo mzekelo phakathi kokukhetha ukurhweba kunye nokutyalomali kwaye ishishini le-inshurensi kukuba ukuba iziphumo zombini zifana. Kwihlabathi lokukhetha ukurhweba kunye nokutyalomali, ngaba i-granters okanye abathengisi bezinto ezinokukhetha ukuba ziphumelele ngaphezu kwexesha kunabathengi.
Ukhetha Ixesha?
Uninzi lwezikhetho alunanto ekupheleni kwayo. Izinyathelo zeeprayimari zinamalungu amabini, intrinsic kunye nexabiso lexesha. Ixabiso lokungena kwi-intrinsic liyinxalenye yecandelo lokukhetha. Ikhethi yokukhetha ukuthengisa igolide kwi-1200 yeeRhafu ephela xa ixabiso legolide li-$ 1000 linamaxabiso angama-200 exabiso langaphakathi.
Ixabiso lexesha lokhetho libonakalisa ixesha elishiye de liphele. Ngoko ke, ekugqibeleni, zonke iinketho, nokuba zikhona kwimali okanye ayikho, ayinaso naluphi ixesha. Emva koko, ixesha liphelile ekupheleni. Njengoko ubona, xa kuziwa kumacandelo amabini ebalulekileyo kwintengo kunye nenani lokukhetha, enye yezo zixhobo zihlala zifikelela ekupheleni. Ngoko ke, umdayisi okanye umnikezeli wekhetho unenzuzo ecacileyo ngaphezu komthengi. Umthengisi uya kuhlawula umthengi ngokunikezela umlinganiselo wokukhetha okude. Yingakho abahwebi abaninzi bezentengiselwano banokungathengisa ukhetho kunokuba bathenge. Kukho amaxesha apho ukuthengisa okukhethwa kukho kulungile nakumntu oqalayo.
Ukuthenga i-Asset engagcinwanga phantsi kwexabiso leMarike yangoku
Ukuba unqwenela ukuthenga i-asethi kunye nexabiso liphezulu kakhulu, ukuthengisa okukhethiweyo kufake i-premium yangaphambili. Ukuba ixabiso lihla okanye liphantsi kwexabiso elithengiweyo (intengo yesiteleka) ekupheleni, uza kuthenga ixabiso lexabiso kwixabiso. Intengo yakho yentengo iya kuba yintengo ekujoliswe kuyo ekunciphiseni i-premium eyamkelweyo. Ukuba ixabiso aliyekanga kwaye ikhetho liphela, umane uphakamise i-premium yokuthengisa okukhethwa kukho.
Ukuthengiswa kwe-placement kuba yintengiso enenzuzo ngokwayo.
Ukuthengisa i-Asset kwixabiso elingaphezulu kwexabiso leMarike yangoku
Masiqwalasele imeko apho ubambe i-asethi ongayifisa ukuyithengisa ukuba ixabiso lihambela phezulu. Ukuthengisa ukukhethwa kwefowuni kwinqanaba lentengo (intengo yesiteyibrari) iya kunika ingeniso ngokukhawuleza malunga nesithuba eside. Ukuba ixabiso lihamba ngaphezu kwexabiso elijoliswe kuyo ekugqibeleni, uya kuthengisa i-asethi kuloo xabiso. Intengo yakho yomnatha iya kuba yinto ekujoliswe kuyo okanye ixabiso lokubethelwa kunye ne-premium efunyenwe ngokuthengisa okanye ukunika ukhetho. Ukuba ixabiso alifikeleli ekujoliswe kuko kuphelelwa lixesha, ukhawuleza i-premium kwaye ungayenza kwakhona kwixesha elizayo. Kule meko, ukuthengwa kwefowuni ngokuchasene nesithuba esikhoyo kuya kunika indlela entsha yokufumana ingeniso kweso sikhundla eside.
Kuba ngumrhwebi okanye umnini-zimali obambe isikhundla esifutshane, ukuthengiswa kwendlela yokukhetha kuyosebenza ngendlela efanayo. Ukuthengiswa kokubeka, kulo mzekelo, kubangela ingeniso kweso sikhundla esifutshane.
Ukusasalela ezinye iindlela ezide zokuLungisa iNkcitho ye-Premium
Kwezinye iimeko, ukuthengiswa kolunye ukhetho ngokumelene nomnye kuya kunciphisa i-premium esetyenzisiweyo kunye nomngcipheko ophezulu wokukhetha indawo. Isikhundla apho umntu uthengela ukhetho kwaye uthengisa enye inketho ngokubhekiselele kuyo isithuba sokusasazeka .
Izinketho zokuthengisa zineempawu ezizibekela umngcipheko. Bonke abatyali-mali okanye abahwebi banokufumana i-premium efunyenweyo xa kuthengisa ukhetho . Kukho amaxesha apho okukhethwa kukho kubiza kwaye amaxesha xa angabizi. Ixabiso lekhetho lixhomekeke ekutshatsheni komthengi ophantsi. I-aseset yeyona mali ephikisayo, i-premium ezikhethileyo zikhethwa. Ukubeka iliso nokuhlalutya iipresimenti zokukhetha emva kwexesha kuya kuvula amathuba xa iindawo zemarike zithanda ukuthenga izinto kunye nezinye izihlandlo xa kuthanda ukuthengisa iindlela. Izwi elidala, intaka esesandleni sinokubaluleka ezimbini kwihlathi libonisa isimo sengqondo sabaqeqeshi abaninzi kunye nabatyalomali abathengisa iindlela. Xa uthengisa ukhetho, umthengi uyahlawula i-premium phambili. Ukusebenza njengenkampani yomshuwalense yintengo inamathuba athile ngamanye amaxesha.