Nangona ukufaka ibango le-inshurensi kungabangela umthwalo kwaye kunokunyusa izinga lakho le-inshorensi kwixesha elizayo, ngenxa yeengozi zemoto okanye imeko zeentlekele apho kukho umonakalo omkhulu , abaninzi bomgaqo-nkqubo we-inshorensi baya kukhetha ukuba bafake ibango baze bahlawule i-deductible , kunokuba kuthatha yonke imithwalo yemali yelahleko.
Uninzi lwabantu luqala ibango ngokuqhagamshelana ne-inshente yabo kunye nokunika lonke ulwazi olufunekayo, ukusuka apho isinyathelo esilandelayo kukuba ube ngumcebisi we-inshorensi obelwe ibango. Ukusebenza kunye nezilungiso zamabakala ziba yingxenye ebalulekileyo yenkqubo yamabango.
Iintlobo ezintathu zeeNkundla zamabango
I- inshurensi ye-adversi ye-inshurensi nguyena mqeqeshi oza kujongana neyona nto ininzi ngexesha le-inshurensi ye-inshuwalense. Kukho iintlobo ezintathu eziphambili zeengxelo zomshuwalense.
- I-adjuster yenkampani ngumqeshwa wekampani yomshuwalense ukuba umntu ufaka ibango le-inshurensi. Oku kuya kwenzeka ukuba inkokheli ye-inshorensi ye-inshorensi ininzi iya kujongana neengxelo zabo zomshuwalense.
- Isixhobo sokuzimelela esizimeleyo sisikontrali esizimeleyo ukuba inkampani yomshuwalense ihlawule ukuphendula ibango le nkampani yomshuwalense.
- Udidi lwesithathu lwe-adjuster, i-adjuster yomphakathi, isebenza kuphela kumnini-nkqubo. Umququzeleli we-inshurensi kawonkewonke uphinde waba ngumntu omele i-inshorensi ozimele kodwa baqeshwe ngabaphathi bepolisi abafaka ibango. I-inshurensi yoluntu kawonkewonke ixhaswa ngabanini-nkqubo be-inshorensi ukuba baqiniseke ukuba bafumana inzuzo yabo ebanzi kwi-inshorensi ayithenge yona.
Yisiphi i-Adjuster ye-Injensi yeNkxaso-karhulumente Eninzi Eyasetyenziswa?
Xa inkqubo yebango-inshurensi iqhubela phambili apho i-inshorensi yenkampani yomshuwalense ibandakanyeka kwaye iqhubekele ukuqikelelwa kwemonakalo kwinkampani yomshuwalense, abanye abanomgaqo-nkqubo banomuvo wokuba baya kulungiswa ngakumbi ngokuqesha i-Adjuster yomntu.
Oku akunjalo ngaso sonke isikhathi njengoko abanye abanomgaqo-nkqubo we-inshorensi bayavuya kakhulu kwinkqubo yebango ngokusebenzisa i-adjuster yenkampani yomshuwalense. Kodwa, kuba abavakalelwa yincwadana ye-inshurensi yenkampani ayinayo intsingiselo yabo engqondweni, ukuqesha yabo i-inshurensi yomshuwalense kawonkewonke yinto efanelekileyo kumnini-nkqubo.
Izizathu Abantu Bakhetha Ukuhlawula Abaxhasi Bomshuwalense Woluntu
Kukho izizathu ezininzi zokuba abanye abanikazi bomgaqo-nkqubo bakhetha ukuqesha i-inshurensi yabo yomntu. Ezi zizathu ziquka:
- Ilahleko ezinkulu
- Xa i-insured ivakalelwa kukuba i-inshurensi yenkampani yomshuwalense ayikhulumi kakuhle nabo
- Xa umntu okhuselayo engavumelani nesigqibo se-adjuster yenkampani, umzekelo baziva ukuba i-adjuster yenkampani ayizange ihlaziywe ibango ngokufanelekileyo, okanye loo monakalo yashiywe yinkampani yomshuwalense we-insulator yenkampani. I-insured ingakhetha ukuqesha isilungisi somntu xa ingavumelani nesigqibo senkampani yomshuwalense ekujongeni ibango kunye nokutolika kwabo amagama.
Ezi zizona zizathu eziqhelekileyo ngabanye abanikazi bomgaqo-nkqubo baqeshisa i-inshurensi yabo yomshuwalense kawonkewonke kodwa ngamanye amaxesha omnye unokuqesha umququzeleli we-inshurensi kawonkewonke ngenxa yokuba baxakeke kakhulu ukuba bajongane nenkqubo yamabango.
Kungakhathaliseki isizathu, kulungile kubaphathi bepolisi ukuba banokukhethwa kwintengiso ye-inshurensi kawonkewonke ukuba babamele kwiibango zabo ukuba kufuneka.
Ngaba Ufuna Ukuhlawula I-Adjuster Yomphakathi?
Nangona ukuguqula i-inshurensi yomntu yomshuwalense kuyandila njengendlela enhle yokuya kuyo, akusoloko kuyimfuneko. I-inshurensi ilawulwa kwaye ukuba awuqinisekanga ukuba yintoni efunyenwe okanye ayikho, kufuneka uhlale uzama nokuthetha nommeleli wakho we-inshorensi kuqala ukuze ufumane ukucaciswa nokunceda.
Iinkampani ze-inshurensi zisebenza nzima ukulungiswa kwamabango kwaye kuyona nto inomdla ukulungisa amaphepha ngokufanelekileyo. Izizathu zezinto ezifunyenwe okanye eziphikisiwe kufuneka zichazwe ngokucacileyo kumnyama nomhlophe kwi-contracting wording contract, ngokusekelwe kumda ngaphakathi komgaqo-nkqubo. Kwiindawo zemakethe zokhuphiswano namhlanje, unokufumana uncedo ngokuthetha nommeli wakho.
Ukuba unengxaki yokucela ukuba uthethe kumphathi-nkampani kwintampani yomshuwalense unokuncedisa ukulungisa izinto. Ngokuphindaphindiweyo oku akuncedisi ukucacisa nayiphi na into engaxhunyekanga. Ukuba ukhathalele ukuba ibango lakho liyakwenziwa njani, unokuqhagamshelana ne-Ofisi yee-Arhente zee-inshurensi zaseburhulumenteni , okanye i-ombudsman yenkampani yakho yomshuwalense ukuba uncede.
Kukulungele ukuba uqale uzame ukubona indlela inkqubo yebango ehamba ngayo nenkampani yomshuwalense kunye ne-company adjuster. Oku kuya kuthintela ukuba uchithe nayiphi na enye imali eyongezelelweyo ukuhlawula isilungisi sa bucala. Kukho abaninzi abanamava kunye nabanelungelo lokunyanzela i-inshurensi esebenzayo kwiinkampani zomshuwalense eziya kwenza okulungileyo njengomsebenzi wokuphatha umgaqo-nkqubo we-inshorensi yebango-mali njengesihlomelo somshuwalense.