Amanqaku amaninzi amaninzi, iKhaya eliKhuselekileyo kunye nezinye izizathu
Iinkampani ze-inshurensi ngamashishini, kwaye ngokuqhelekileyo abantu bathabatha ngokungathinteli ukuba i-inshorensi iya kuhlala ikhona. Abaqinisekisi bajongene nobungozi, kwaye banakho ukuvavanya umngcipheko kunye nokuphepha ukulahlekelwa yinxalenye yendlela abaphila ngayo njengeshishini. Ngelishwa, abantu baneemeko kunye neemeko ezihlala zingena ngaphandle kwesiqhelo; iinkampani zomshuwalense zinokufumana imeko enobungozi kwaye inqume ukukhansela umgaqo-nkqubo wakho.
Unokumisa iNkampani Yomshurensi Ukusuka Ekukhutsheni?
Akukho nto embi ngakumbi kunokuba uvakalelwa kwaye usongelo lokucinywa. Akukwenzeki nje kuphela, kodwa inokuhlazisa. Ngethamsanqa, kukho iimeko apho inkampani yomshuwalense ingaqalisa ukulungiselela ukukukhansela, kodwa kunye nokuxoxisana kunye nencazelo, unokukwazi ukwenza ukuba batshintshe ingqondo yabo.
Ukufumanisa ukuba unokufumana ukuba baqhubeke nokukuqinisekisa, makhe sibone ezinye zezizathu zenkampani yomshuwalense inokukukhansela , kunye nezinye iingcebiso malunga nendlela yokuthetha kunye nommeli wenkampani yinshuwalense kwimeko nganye.
Uyenza njani Inkampani Yomshuwalense Igcina Wena Njengomthengi?
Nangona kungekho ndlela eqinisekileyo yokwenza inkampani yomshuwalense ikugcine njengomthengi, ungababonisa ukuba usebenza nabo kwaye unikele ngeziphakamiso zokuzama ukuguqula ingqondo yabo ngokukukhansela.
Izizathu ezi-5 eziphezulu kwiNkampani yomshuwalense inokukukhansela kunye nento ongayenza ngayo:
- Amaninzi amaninzi
- Ikhaya lidityaniswe okanye lifuna ukugcinwa okanye ukulungiswa
- Ukungenzi Intlawulo yomgaqo-nkqubo okanye ezininzi iintlawulo ezingekho phantsi
- Impekhodi yePalato, ukuvakalisa amanga, okanye " ingozi yokuziphatha "
- Sitshintsha imeko (eyaziwa nangokuguqulwa kwezinto ezibonakalayo engozini)
Yintoni endiyenzayo xa ndifumana amaninzi amabango e-inshorensi?
Kuya kufuneka ubeke ingxabano enamandla ukuze ufumane inkampani yomshuwalense ukuba iqhubeke nokuqinisekisa ukuba ubonise ubungqina bebango.
Enye yezinto omele uyenze ukuyihlolisisa amabango awunayo. Yenza uhlalutyo lwakho lweemeko ngokuphendula le mibuzo:
- Ubungakanani ibango elifanelekileyo?
- Yayiyiphi imeko yobango ngalinye?
- Ngaba babedlelane? Ngokomzekelo, ngaba onke amanzi awonakalisa , okanye umlilo? Ngaba ziyiziganeko ezingahambelani ngokupheleleyo?
- Ingaba amabango onke ayenzeka kwidilesi enye?
- Ngaba kukho nantoni esitshintshileyo eyenza "ube yingozi kakhulu"? Ingaba unengxaki ongaziqhelanga yona leyo isekelwe (umzekelo: ukulungiswa ekhaya)? Ngaba unayo utshintsho kwindlela yokuphila , umsebenzi okanye imeko yakho?
Indlela yokulwa ukugcina i-Intshurensi yakho: Faka iNkundla yakho
Ingxoxo engcono kakhulu xa unokubonisa ukuba izinto zitshintshile.
- Mhlawumbi ngoku uye waya endaweni entsha, kwaye kwakukuphela kwendawo apho amabango ayenzeka? Cinga ngeengxelo zonke zebango ozibonayo kwaye ubone ukuba kukho into ongayibonisa ukuba kukho inkampani yomshuwalense "umngcipheko" uye waphucula okanye ngoku isuswe.
- Bhekisela naziphi na izinto ezinokuthi zatshintshile, kubandakanywa utshintsho lwabahlali ekhaya, izizathu zokuba uzinzile (utshintsho lwemisebenzi, utshintsho lwendawo, njl.).
- Qinisekisa ukuba ulwazi abanalo malunga nefayili luchanekile. Ngamanye amaxesha abantu benza amaphutha!
Nika isisombululo esicwangcisekileyo sokunciphisa okanye ukuphelisa umngcipheko weebango ezizayo.
- Ukuba akukho nto ishintshile okanye "iphucule", qwalasela iindlela zokuphucula imeko. Ngaba uphangwa kabini? Mhlawumbi unikezela ukufaka inkqubo ye-alamu.
- Ngaba onke amabango akho phantsi kwe $ 1000, okanye i-$ 5000? Mhlawumbi babuze inkampani yomshuwalense ukuba bayakuqwalasela ukuvumela ukuba uthathe i-deductible ephezulu , ngale ndlela ingozi abaxhalabele ngayo iqala ukunciphisa. Kwakhona indlela yakho yokubonisa ukuba uzimisele ukuthatha umngcipheko kunye noxanduva.
Buza inkampani yomshuwalense ukuba kukho umgaqo-nkqubo abaza kunika ngenye indlela, umzekelo ukuba onke amabango avela kumonakalo wamanzi , mhlawumbi unemigaqo abanokukunika yona engabandakanyi umonakalo wamanzi? Oku kuya kukuvumela ukuba ube ne- inshorensi eyisiseko , kunokuba ungabikho ninshuwalense okanye inshorensi ephezulu .
Ngaba Ukunyaniseka Kubalulekile Ngeenkampani Zomshurensi?
Wonke umgcini-mali uyahluke, kwaye umlinganiselo wenkampani ye-inshorensi ehlawulwe ngayo kumabango akho kunye nokuba bangakanani abakwazi ukuqokelela kwiiprayimali ezivela kuwe ziya kudlala, nangona kunjalo, akulimazi ukubonisa i-inshurensi inkampani indlela ozinzile kwaye uthembekile ngayo. Oku kunceda ukuba unesiqinisekiso kwiminyaka emininzi ngaphambi kokuba iziganeko zebango ezibi kunye nezibango zikhululekile kunye nomshuwalense ofanayo kwangoku.
- Cacisa ukuba ude ube nekampani yomshuwalense ixesha elingakanani
- Mbonise indlela oyi-premium eninzi ozihlawule ngayo kwiminyaka? Hhayi nje kuphela kumgaqo-nkqubo owenziwe kuwo kodwa kwabanye (umzekelo xa udibanisa iinkqubo ezifana: Umgaqo-nkqubo wekhaya, umgaqo-nkqubo wemoto, umgaqo-shishini, njl.
- Ukuba uthethe abahlobo okanye usapho, qiniseka uze uphinde ukhombe kwakhona. Konke kunceda.
Izinketho zokufumana - Indlela yokufaka isicelo se-Intshurensi Xa unabango amabini okanye ngaphezulu
Emva kokuba unamava onke, kukhethwa, kwaye unyanzeliswa kakhulu, ukuqwalasela isicelo se-inshurensi kunye nezinye iinkampani zomshuwalense, ama-agent kunye / okanye abadayisi. Khumbula ukuba kufuneka uzikhangele kunye neminqweno yakho. Ungashiyi ukhuseleko lwakho lwezandla ezandleni zomntu oyedwa. Yonke inkampani yinshurensi inikeza iimveliso zayo ngeendlela ezahlukeneyo, akunakwenzeka ukuba umntu othethayo uhlala enegunya lokuthatha isigqibo. Yenza umgudu kwimeko yakho ukufunda kabanzi ngabantu abasebenza kwi-inshurensi ukuze baqonde ukuba ngubani othetha naye. Nangona ulindele ukuhlaziywa kwesiphakamiso sakho okanye ityala, kufuneka uhlole ezinye iindlela, ngokukodwa xa uxelelwa ukuba unokulahlekelwa ngumsebenzi wakho womshuwalense.
Nangona iinkampani ze-inshorensi ziza kusebenzisa izixhobo ezifanayo ukuqinisekisa imbali yamabango, I-CLUE ngumzekelo omhle omnye, indlela inkampani yomshuwalense eya kuhlola ngayo ingozi ihluke. Uyabona imizekelo yale nto rhoqo xa ufumana inkcazo nenkampani enye, kwaye iphezulu kunomnye. Isizathu salokhu kwindlela eyahlukeneyo yokuba nganye inshurensi isebenza amaxabiso abo kwaye ihlola iingozi. Kuya kufanayo ukuba baya kuhlalutya njani imeko yakho.
Sukuncama!
Ayikho yonke inkampani yomshuwalense inemikhombandlela efanayo yokubhala phantsi , kwaye ukuba unomxholo oqinileyo, unokufumana enye inkampani yomshuwalense ukukunceda. Ukusebenza nomrhwebi ojongene neenkampani ezininzi ze-inshorensi, kungekhona nje enye, inokuba luncedo kwaye luncedo. Unokukhangela eli nqaku ukuze ufunde kabanzi malunga nokwahlukana kokusebenzisana nomthengisi, ummeli okanye ummeli wenkonzo. Into ebaluleke kakhulu kukuba neenkcukacha kunye nokunyaniseka malunga nemeko yakho.
Qinisekisa ukuba uzama onke amathuba, uvumele ukuba i-inshurensi yakho ikhanseliswe okanye uyishiye ungaxhaswanga, nokuba usuku luyimngcipheko omkhulu kunye nemali kuwe. Ukulwa ukugcina ikhaya lakho kunye ne-asethi.
Kuya kuthatha ixesha elingakanani kwiNkampani ye-Inshorensi ukuba ibukelele imeko yam?
Ungalokothi ushiye eli ukuya kutsho lokugqibela. Iyakwazi ukuthatha iifowuni ezilandelelanayo, okanye iintsuku zomntu ofanelekileyo ukuba akwazi ukuhlaziya ityala. Ukuba unqatshelwe emva kokuba ubeke ityala lakho, unokucela ukuba ityala lakho linyuka kwi-supervisor okanye kumntu ophezulu kwinkampani yomshuwalense ukuhlaziywa. Oku kungathatha ixesha elingaphezulu. Inyaniso yokuba ulawula imeko yakho kwaye unomdla wokukhusela i-inshurensi yakho ngokubonisa ukuhlaziywa okupheleleyo kukudibanisa.
Sonke sivile ilizwi elithi, "Inhlanhla xa ukulungiselela kudibanisa ithuba," akufani na-inshurensi. Qinisekisa ukuba ityala lakho linikezelwa kubantu abalungileyo, "inhlanhla" enokukwazi ukuxoxisana nemigaqo ethile yomgaqo-nkqubo eya kukunceda uhlale unesiqinisekiso kwaye ukhuselwe, kwaye ubonise inkampani yomshuwalense ukuba unokuba "yingozi" emva bonke.