Inkcazo: Eyona nto ilahlekile kwi-inshurensi ibhekiselele kwiindleko ezipheleleyo ngqo okanye ngokungahambelani ezibangelwa ibango. Imele iindleko zangempela okanye iindleko ezenziweyo ngenxa yebango kwaye yenze intlawulo yenani-mali yenkampani yomshuwalense iya kwenza ilahleko lonke, ngokwegama lomgaqo-nkqubo.
Ukulahleka kwangempela kwi-inshurensi kunokubhekisela ku:
1. zonke iindleko ezenziweyo ngenxa yebango ezihlawulwa yinkampani yomshuwalense yithenda ekuhlawulweni kokugqibela
2. ukunyuka kweendleko zakho okanye ukulahlekelwa kwemali ngenxa yebango
Ukulahlekelwa kwangempela yiNtlawulo yoNyaka yeNkxaso-mali yokuNikwa kweMali yoLungileyo
Ukulahlekelwa okona yixesha apho ummeli wakho we-inshorensi okanye ummeli-mvume angasebenzisa xa bebhekisela kwimali ehlawulwe yinkampani ye-inshorensi egameni lomonakalo obangelwe kwipropati yakho yingozi nge- inshorensi kwibango, akumele imele isixa esiqinisekisiwe yena okanye yena ngokwakhe.
Yintoni edibeneyo kwi-Losing Real Loss?
Ilahleko langempela liyaziwa ngokukhawuleza xa ibango livavanywe ngokupheleleyo kwaye livala. Kuya kubandakanya zonke iimali ezihambelana nebango kuquka neendleko zokulungiswa, izindleko ezongezelelweyo zokuhlala, ukukhutshwa kwezinto zokungcola, ukugcinwa kwezinto (ukuba zikhona), iindleko zontraki okanye ezinye iingcali. Yilapho abantu ngezinye iinkcukacha badideka kunye nemali elahlekileyo.
Umzekelo Wokulahlekelwa Kwangempela Kwemangalo
Ukulahleka okwenene kunokudideka.
Unokufumana ukuhlawulwa kwamabango angama-20,000 ayi-20 000 kodwa oku kungenako ukulahleka kwangempela kuba isheke sinokusibekela kuphela inxalenye yesibango sokuba ufuna imali, ngamanye amaqela ayenze asebenze ekhaya lakho kwaye afumana impatho evela kumshuwalense ngqo . Ezi zixa zonke ziwela kwinani lahleko.
I-insured ingafumana i-$ 20,000, kodwa emva kokuba zonke iimali ezihambelana nebango zifunyenwe, ukulahleka kwangoku kungabakho ama-63,300. Bona umzekelo kwitheyibhile elingezantsi.
Iindleko ezikhoyo ezikhoyo ezivela kwiintlawulo
Ukulahlekelwa kwindleko kwiindleko ezenziweyo ngexesha lebango yimalini enyukayo yindleko yakho kwizinto eziqhelekileyo.
Umzekelo ukuba ngoku ufanele uqhube iikholeji ezingama-20 ezongezelelweyo ukuze usebenze yonke imihla ngelixa uhlala kwidilesi eyahlukileyo ngelixa ulinde ikhaya lakho ukuba lwakhiwe kabusha, ngoko ke ukulahleka kwangempela ngumlinganiselo wegesi ochithayo ngoku, ngaphantsi kwesamba segesi ubuye uhlawula ukuhlawula ngaphambi kokuba ibango. Ayikho imali epheleleyo oyichithayo xa uqhuba iikhilomitha ezili-20 ukuya kusebenza. Ukulahleka kwangempela ngumlinganiselo, okanye ukwanda kweendleko ngenxa yebango.
Imizekelo yokulahlekelwa kwangempela kwiimangalo ze-inshurensi
Umzekelo weNani eliya kuhlawulwa kuwe Ngokusekelwe ekulahlekeni kwangempela:
Kwibango elibalulekileyo, izibonelelo ezithile zingasetyenziselwa ukuhlawula iindleko zokwakhiwa kwakhona, umzekelo, nangona kunjalo inani eliza kuhlawulwa kwibango aliyi kudlula ixabiso lokulahleka langempela. Ukuba iiprojekti zaphezulu, ixabiso layo langempela kwaye ayikho imiba. Xa ibango ligqibile, ilahleko langempela libalwe kwaye ligqitywe ukuze kube neentlawulo zokugqibela zamabango.
Ixesha elifanelekileyo lokulahlekelwa liye lisetyenziselwa ukwahlula isahlulo seendleko ezibangelwa ngqo kubango, kwaye ngoko ke zihlanganiswe, kunye neendleko ezipheleleyo okanye ixabiso elithathwa ngumntu kwilahleko. Kuza kubhalwa kuphela oko bekukhohliweyo, kwaye akuyiyo indleko epheleleyo ukuba kukho ummahluko.
Umzekelo weendlela zokubala ukulahlekelwa okwenene okuxhaswe kwiNkcazo yeMonakalo yamanzi
| Inkcazo | Iprojekthi | Eyona nto |
|---|---|---|
| Ukulungiswa kwakhona kwendawo yokuhlala kunye neendawo zokuhlala | $ 42,000 | $ 35,000 |
| Ukutshintshwa kweziqulatho | $ 15,000 | $ 20,000 |
| Iindleko zokuHlala ezongezelelweyo * | $ 400 | $ 300 * bona umzekelo ongezantsi |
| Ukususwa kweNkunkuma | $ 1500 | |
| Ukugcinwa kweSofesi ngexesha lokulahleka | $ 1000 | |
| Ukucoca izinto ezonakaliswe ngamanzi | $ 5500 | |
| Iyonke Imali Elahlekileyo | $ 63,300 |
Kwimeko ekhankanywe ngasentla ilahlekelwa ngu-$ 67,400, nangona ukulahleka okwenziwe yi-$ 63,300
Iphi Iimali ezipheleleyo kwiNdawo eLahlekileyo eyiyo ivela?
Ukusebenzisa umzekelo ongentla, nangona i-insured kwibango mhlawumbi ayizange ihlawulwe iimali zokucoca iziqulatho zazo, okanye ukukhishwa kweemfucuza ngokuchanekileyo, kwaye mhlawumbi akazange azi nokuba neendleko ezibandakanyekayo, ezi mali zihlawulwe ngenxa yabo kwaye ngoko kufuneka zifakwe kwilahleko yangempela.
Le yilahleko ekhoyo egcinwe kwibango.
Umzekelo Wokulahlekelwa Okwenene Kwiindleko Zongezelelweyo zoLondolozo lweNkqubo yoMnini wezindlu
UMary noJoe balahlekelwa ezinye iindwangu eluphahleni lwabo ngexesha lomoya, ngenxa yoko amanzi aqala ukuza ekhaya kwaye awakwazi ukuhlala kwindawo yokuhlala ngelixa ukulungiswa kwenzelwe kwigumbi lokuhlala kunye nebala. Iindleko zabo ezongezelelweyo zokuhlala kwipolisi yabo yomnini-mboleko zibagubungela ukufuduka kunye nezindleko ezongezelelweyo zokuhlala ehotele kwiveki ngelixa umsebenzi uyenziwa ekhaya. Xa behambisa iindleko zabo zokubuyiselwa imali, ngelixa iindleko ezipheleleyo zehotele zihlanganisiwe, bayamangalisa ukubona ukuba kuphela i-75% yeendleko zibuyiselwa ukutya abayidlayo xa besidla.
Umququzeleli we-inshurensi uchaza ukuba ukuchitha imali yabo eqhelekileyo ekudleni kufuneka kuthathelwe ingqalelo kwiindleko. Ngokomzekelo, bahlala bechitha iidola ezili-100 ngeveki ekudleni, kodwa ngenxa yokuba bahlala ehotele bagcina bechitha iidola ezingama-400, abayi kuzuza imali epheleleyo ye-$ 400, baya kufumana ilahleko. Ilahleko langempela ngumlinganiselo phakathi kwexabiso eliqhelekileyo abazichithayo, kunye nemali ababeyichitha ngaphezu koko ngenxa yebango. Oku kukulahleka kwangempela. Kule meko kuya kuba yi-$ 300 kwaye ayiyi $ 400.
Umzekelo Wokulahlekelwa Okwenziweyo Ukuhlawulwa Kokulahlekelwa Imali
Ekugqibeleni, kukho kwakhona ukufumana umvuzo wokulahlekelwa kwangaphambili ngenxa yokulahleka kwemali ehambelana nebango le-inshurensi. Le ngongoma enye yamabango abantu abayicingi rhoqo. Nasi umzekelo wokulahleka kwangempela ngenxa yokulahlekelwa kwemali: Inkampani yomshuwalense idinga ubukho bakho enkundleni ukuze uhlawule ibango lakho. Zikulungele ukuhlawula iindleko zakho ukwenza ukubonakala kubandakanye ukulahleka kwangempela kwemvuzo. Umqeshi wakho uxelela ukuba ungakhathazeki ngawo kwaye uthabathe imini. Nangona ixesha lakho lixabisekileyo, ukuba ungeke ulahlekelwe yintlawulo yokufumana imali, ke awuyi kuhlawulwa. Ukuba ngaba umqeshi wakho akakhokheli usuku, kwaye ngoko ulahlekelwa ngumvuzo wemini enye, ke ukulahleka kwangempela ngumhla wemvuzo kwaye umgaqo-nkqubo wakho womshuwalense uyavuma ukuhlawula ilahleko lakho.