Unokuhlawula izinto njengoko uya endaweni yokukhathazeka ngeepumama ze-inshurensi kunye neentlawulo zentsebenziswano endleleni. Nangona kunjalo le ingcinga ephosakeleyo. Kubalulekile ukuba wonke umntu abe nolunye uhlobo lomshuwalense wezempilo.
Uxinzelelo lwezonyango lunokukuphazamisa ukuba awunayo i-inshorensi
Isizathu kukuba ukuphuthuma kwezokwelapha kuyabiza. Ukuba unonophelo olungxamisekileyo lwezonyango ngaphandle kwe-inshurensi, kulula ukufumana isixa esinokukhubazeka kwetyala lonyango, kwaye kubonakala kungekho ndlela yokuphuma kuyo. Enye ingozi kwi-ski slope inokuhlawula amawaka eedola kwiibhilidi zezokwelapha, kwaye iyakwazi ukunyuka ngokukhawuleza ukuba ufuna ukuhlinzwa okanye nayiphi na ixesha ekubuyiselweni. Ngokuqhelekileyo, lixesha apho awuyi kusebenza khona, kwaye oko kuthetha ukuba uya kulahleka imali ngaloo ndlela, ngokunjalo. Ukuhlinzwa okuphuthumayo ezifana ne-appendectomy kungabiza kakhulu. Ngaphandle kwinshuwalense unokufumana kunzima ukuhlawula iindleko zonyango kwiimeko ezi.
Kunzima ukuhlawula iindleko zonyango ngaphandle kwe-inshorensi yempilo , ingakumbi ukuba uhlolwe esibhedlele ngisho nje ngobusuku bonke.
Umshuwalense wezeMpilo unyanzeliswa nguMthetho woNonophelo ojongene noNcedo
Utshintsho olutsha phantsi koMthetho woNonophelo olungabonakaliyo luchaphazela abantu abaneminyaka engama-20 . Ukuba awunayo i-inshorensi yezempilo, uya kuhlangabezana neentlawulo .
Kukho ukutshintshana kwempilo onokuyisebenzisa ukuze ubhalisele i-inshurensi yezempilo okanye ukhangele ezinye iindlela. Thatha ixesha lokuphonononga ngokucophelela zonke iinketho zakho kwaye ukhethe umgaqo-nkqubo oza kukugcina imali kwaye kukunike ukhuseleko oluyidingayo. Qinisekisa ukuba unqamle izinto ezivakalayo ezintle ukuba zinganyani. Izabelo zempilo zinokuthi zandile njenge-inshurensi yezempilo, kodwa azinjalo. Thatha ixesha lokuphanda ngenyameko ukuba unomdla ekukhethweni enye endaweni yomshuwalense.
Ukunyamekela okuKhuselekileyo kunye nokuPhunyezwa kwangaphambili xa kunokwenzeka xa unesiNtshuwalense
Izinto ezincinci zingaba zizinto ezinkulu, ngokunjalo. Xa ungenayo i-inshorensi uyakuphepha ukungena kwaye uphathwe ngenxa yezinto ezincinci, ezinokuthi zinyuka kwizinto ezinkulu ngokukhawuleza. Amachiza okukhusela kwaye unyango olukhawulezayo lenye yeendlela ezilungileyo zokuphepha ukuhlala ixesha elide esibhedlele. Ukuba unesi-inshurensi, ngoko awuyi kuxhalaba ngale nto. Ukongezelela ukuba ufumene unyango olunzulu, unokufumana ixesha elinzima ukufumana inshuwalense yezempilo emva kokuba ungenayo.
Ambetter Ukususela Ekunyamekeleni
Intshurensi yezeMpilo iyimfuneko
Intshuwalense yezempilo ayiyinto yokunethezeka; kuyimfuneko. Abantu abaninzi kwiminyaka yabo engama-20 banomuvo wokuthi ukhuselekile kwaye banempilo kwaye bakhethe ukuhamba ngaphandle kwayo.
Musa ukwenza le mpazamo kuqala ukukhangela inshurensi yendleko ephantsi ngoku. Kukho izinto ezininzi omele uyenze ngaphandle kokuba ukhethe ukuya ngaphandle kwe-inshurensi. Oku kuquka ukutya ngaphandle kwiivenkile, kunye ne-TV ye-cable. Kufuneka uhambe ngaphandle kobulungu bokuzivocavoca ngaphambi kokuba ulahle i-inshorensi yakho yempilo. Thatha ixesha lokufumana imali eyongezelelweyo kwibhajethi yakho ukuze uhlawule iindleko zakho zonyango.
Zigubungele ngeNtshurensi ephezulu eDeductible Ukuba awukwazi ukuxhamla Intshurensi
Okona ubuncinane kufuneka ube ne-inshurensi ephezulu yokuchithwa kwe-inshorensi, kwaye usethe i-akhawunti yokulondoloza impilo kunye nayo. Ezi cwangciso ziphantsi kakhulu kwiindleko ke ezinye iinjongo zomshuwalense. Uya kuba noxanduva lweendleko zonyango lwakho de uze uthinte i-deductible, kodwa ke isicwangciso se-inshurensi siya kuthatha yonke i-bills. Kulula kakhulu ukufumana indlela yokuhlawula i-$ 5,000.00 kwiibhilile zonyango ngokuchasene ne-$ 50,000.00.
Uyakwazi ukuvelisa isicwangciso sokuhlawula i-$ 5,000. Oku kuthetha ukuba awuyi kubhekana ne-bankruptcy ngenxa yeebhilidi zonyango.