Kuthetha ukuthini Ukuziqinisekisa?
Xa uziqinisekisa, ubeka bucala imali eyongezelelweyo ukuhlawula nayiphi na ingozi okanye iindleko zakho.
Awunayo i-inshurensi ukuhlawula iindleko ze-inshorensi eziqhelekileyo. Uhlawula yonke into yakho ngokupheleleyo.
Ukubeka ngokulula, oku kuthetha ukuba indlu yakho iya kutshisa, kuya kufuneka uhlawule ukuze uyakhe kwakhona. Ukuba usengozini yemoto , uhlawula ukulungiswa kunye nayiphi na iindleko zonyango. Ukuba uthe wagwetshwa njengengozi yengozi yemoto, unembopheleleko yokuhlawula igqwetha kunye nayiphi na indawo yokuhlala. Ukuba ufumene ukuba unesifo esibi, uhlawula lonke unyango ngokwakho.
Ziziphi iingozi zokukhetha ukuzinzisa?
Inqubomgomo yomshuwalense ikhona ukukhusela iimali zakho. Kuya kukunceda ukuba ungaphunyuli kwisifo, ingozi okanye inhlekelele yendalo. Inkampani yomshuwalense izokukunceda ukuba uhlawulwe njengomphumo womntu onokulimaza kwipropati yakho okanye kwingozi yemoto.
Yona yinto ekhuselekileyo yokukhusela entlekele ekuchaphazela imali yakho kwiminyaka ezayo. Kubalulekile ukuba neentlobo ze-inshurensi (impilo, ikhaya, imoto kunye nobomi) kwiinkalo ezininzi zobomi bakho.
Ziziphi Iingenelo Zokuziqinisekisa?
Enye yeenzuzo eziphambili ze-self-inshurensi kukuba, ke, iindleko zeendleko . Unako ukugcina imali kwiimali-mali eziphezulu ze-inshurensi ngenxa yeemigaqo-nkqubo ye-inshorensi ekuxhaseni ukuziqinisekisa. Kodwa khumbula ukuba kuya kufuneka ubeke eceleni isabelo esihle semali ukuhlawula nayiphi na imiba eyongeziweyo.
Ngaba kufuneka ndizimelele I-inshurensi yemoto?
Kuchasene nomthetho ukuba ungabi nomshuwalense wemoto , ngoko ke akufanele uqiniseke ngokuzimela kwintengiso yomshuwalense wemoto. Ukongeza, i-inshurensi yemoto ikhusela iafa yakho xa usengozini, kwaye iya kukugubungela ukuba uphethwe ngengozi.
Kwakhona, khumbula ukuba xa uqwalasela umgaqo-nkqubo wakho womshuwalense wemoto kufuneka uqiniseke ukuba i-coverage account is high ngokwaneleyo ukuba loo mntu akayi kukumangalela aze eze emva kweakhawunti yakho okanye i-akhawunti yokugcina.
Ngaba Ndifanele Ndizimelele I-Inshurensi yezeMpilo?
Inyhuwalense yezempilo yindawo enye apho kungqinelana nomthetho ukuzinyamekela. UMthetho woNonophelo oNgenakunqwenelekayo ufuna ukuba uthwale i-inshorensi yempilo okanye uza kuba noxanduva lokuhlawula isigwebo ngamnye ngonyaka.
Ukongezelela, iindleko zonyango zidibanisa ngokukhawuleza kwisiganeko esiyingozi okanye ngenxa yesifo esibi. Ngokomzekelo, akuqhelekanga ukuba iindleko zomshuwalense wezempilo zikhuphuke ngaphezu kwe-1 million yezigidi ukuba ufumene ukuba unesifo esibi njengomhlaza. Ukuba awunayo i-inshorensi yezempilo, ngoko awuyi kukwazi ukuhlawula unyango. Ikhetho elingcono liza kuba ukuthenga umgaqo -nkqubo we-inshorensi yempilo ephezulu , ekhupha iiprayimari zenyanga zancinci, kodwa i-deductible ephezulu.
Ngaba Ndimele Ndizimelele I-Inshurensi Yasekhaya?
Ngelixa unokulingwa ukuba uqiniseke ukuzimela kwakho kwinshurensi yomninikhaya , xa uthelekisa iindleko zomgaqo-nkqubo we-inshorensi yomninikhaya xa kuthelekiswa nokubuyisela ikhaya lakho okanye ukuhlawula ukulungiswa okukhulu, mhlawumbi unengqondo kakhulu ukuthenga i-inshorensi.
Ikhaya lakho liyimpahla - kunye notyalo - kwaye kufuneka ukhusele ngokufanelekileyo. Imigaqo-nkqubo eninzi iya kukukhusela xa kwenzeka umntu emele ekhayeni lakho kwaye wanquma ukukusola.
Ngaba kufuneka ndizibonele nge-Self-Insured Insurance inshorensi?
Unokucinga kwakhona ukuzinyamekela kwinshuwalense yobomi. Nangona kunjalo, kufuneka uthabathe kuphela le ndlela xa ungekho-mali ngokupheleleyo kwaye unayo imali eyaneleyo esilondoloziweyo okanye utyalomali ukuba umgaqo-nkqubo we-inshorensi awuyi kuyenza umahluko nokuba ngaba usapho lwakho luya kuthathwa.
Kuze ufikelele kuloo nqaku, kufuneka uthenge umgaqo-nkqubo womshuwalense wobomi malunga namaxesha amathathu ukuya kwimivuzo yakho yonyaka. Nangona, ungongeza enye encinane xa unetyala elikhulu . Unokucinga ukuba uthwala i-inshorensi yomshuwalana nangemva kokuba ufikelele kule nqanaba ukuba ufuna ukudlulisela into ethile kubantwana bakho emva kokudlula.
I-inshurensi yenzelwe ukukhusela impahla yakho kunye nobutyebi bakho. Inceda ekunciphiseni impembelelo yemali yeentlekele okanye iintlekele ezithile onokujamelana nazo. Nangona kunokukhathazeka ukunika imali kwiinkampani zomshuwalense nganye nyanga, kuyafaneleka ukuba uxolo lwengqondo ukwazi ukuba iinkampani ziya kuba khona xa uzifuna.
Ukuhlaziywa nguRachel Morgan Cautero .