Ingaba i-Savings ixabisa iindleko?
Ngokwe-International Risk Management Institute, Inc. (i-IRMI), inkcazo yokulahleka echithwayo yiyo "i-formula echithwayo eyancitshiswayo eyancipha njengoko inani lokulahlekelwa liye linyuka kwaye linyamalale ngokupheleleyo ukubonelela ngokukhawuleza xa ilahleko ifinyelela kwisixa esithile. Ukutshatyalaliswa kwee-deductibles kwakuye kwasetyenziswa ngokubanzi kwimigaqo-nkqubo ye-inshurensi yepropati. "Ngokwenene, xa ungena ngaphandle kwebango, i-inshurensi yakho iyancitshiswa. Uvuzwa ngokuqhuba ngokukhuselekileyo kwaye ungabandakanyeka kwingozi.
Ngubani Owenza Ukutshatyalaliswa Kwezinto Ezidakisayo?
Kukho iinkampani ezimbalwa ze-inshurensi ezinikela ngenjongo yokukhuthaza inzuzo engabonakaliyo kuquka nelizwe lonke, i-Hartford ne-Allstate. Nantsi ingcaciso encinane malunga nendlela ezi nkqubo zisebenza ngayo.
Inkqubo yesizwe esilahlekileyo yokuchitha i-Deductible Programme: Kunyaka ngamnye wokuqhuba ukuhamba ngengozi, i-deductible yakho iya kuncipha i-$ 100. Inkqubo ingasetyenziselwa ukunciphisa i-deductible yakho ukuya kuma-$ 500.
Oku kunokukushiya ngaphandle kokuhlawulelwa nonke, kukunceda ukulawula i-inshurensi yakho kunye neendleko zokulungisa nokugcina imali. Ukutshatyalaliswa kwe- deductible yinto ekhethiweyo kunye ne-Nationwide Insurance. Iinkcukacha kunye nokufumaneka kuyahluka ukusuka kummandla ukuya kwimeko. Ukuba usengozini emva kokwakha iikhredithi, akufanele ukhathazeke ngamakhredithi akho konke kuthathwa.
Ngokomzekelo, ukuba unayo irekhodi yokuqhuba ngokukhuselekileyo iminyaka emithathu uze ube neengozi, i-credit card yakho echithwayo iya kuncitshiswa ibe yi-100 yee-100 esikhundleni se-$ 300. Inkqubo yelizwe eliphelayo echithwayo iya kuhlawula i-$ 60 ngonyaka ngomgaqo-nkqubo womshuwalense we-auto.
Uhlelo lweHartford Disappearing Deductible Programme: NgeNkqubo yeHartford, unyaka wonke ungeyingozi-ntle, i-premium yakho ihla nge-$ 50.
I-deductible yakho iya kuqhubeka nokuhla nge-$ 50 ngonyaka ungeyingozi. Ekugqibeleni, unganakho ukudityaniswa. Ngecebo likaHartford, kufuneka ungabi naluphi na ulwaphulo oluhambayo kwirekhodi yakho yokuqhuba kwiminyaka emithathu edlulileyo ukuze ufaneleke.
Iimbuyekezo Zonke ezihlawulelweyo: Iprogram yokufumana imali yokuhlawula i-Allstate iyinto eyahlukileyo kwezinye iinkqubo ezidityanisiweyo. Ngokukhawuleza xa ubhalisa, unikwa ngokukhawuleza i-$ 100 ekugqithiseni kwakho. Unyaka ngamnye ungekho ngengozi, enye i-$ 100 ichithwe kwi-deductible yakho. Unako ukuqokelela ukuya kuma-$ 500 kwi-auto insurance yakho. Nangona kunjalo, kunye neprogram ye-Allstate, ukuba unengozi, i-deductible ibuyele kwixabiso lemali eliyichithayo. Isaphulelo somvuzo esiphuhlisiwe sitholakala kuphela kwiipakethi zegolide kunye neeplatinum.
Yiyiphi iCatch?
I-benefit advantageous disastible inikezelwa kuphela kubathengi ngeendleko zee-premium ezongezelelweyo. Iindleko zokusebenzisa le nkuthazo ezinikezelwa kubanikazi beeprogram ezirekhodiweyo zokuqhuba ezikhuselekileyo ziyahlukahluka kwinkampani ukuya kwinkampani. Isebenza ngendlela efanayo kwengozi yokuxolelwa kwentengo eyenziwa ngamashishini amaninzi e-inshorensi.
Ngaba i-intanethi eyobanjiswayo idibeneyo? Kuxhomekeke kwirekhodi yakho yokuqhuba. Ngokuqinisekileyo, ukuba unayo irekhodi engaphantsi kwelokuqhuba ngokungafanelekanga kufuneka ungayichitha nayiphi na imali kwisicwangciso esingayi kubangela ukugcinwa kwe-inshorensi kuwe. Kunokwenzeka ukugcina imali kwi-deductible ukuba unayo irekhodi eliqhubayo.
Uya kufuneka wenze izibalo ukufumana ukuba inani lemali oyilondolozayo kwixabiso lakho elichithwayo lifanelekile ixabiso leprogram. Andiyi kukhetha inkqubo apho i-deductible ibuyela kwi-original deductible.
Izingozi zenzeka kunoma ubani nangaliphi na ixesha kungakhathaliseki ukuba yintoni irekhodi lakho lokuqhuba. Kule meko, emva kweminyaka emihlanu yokwakha ukuya kwi-dollar 0 deductible, emva kweyodwa ingozi inokutsalwa kwakho iya kuphinda ibe yi-$ 500. Le nto ayikho into enhle. Buza wakho umniki-inshurensi umniki-ntle ukuba unikezela inkqubo edibeneyo yokufumana imali kwaye ufumane zonke iinkcukacha ukufumanisa ukuba kuyinto enhle kuwe.