01 Ngaba iPolisi Yakho Inokwenza I-Waiver yeDeductible Clause?
Ukukhishwa kwe-deductible ngumhlathi kumgaqo-nkqubo wakho womshuwalense o dwelisa iimeko apho akuyi kuhlawulwa i-deductible xa kwenzeka ibango.
Ukulahlekelwa okukhulu kweentlawulo zokuxothwa kwezinto ezidityanisiweyo akukhulumi ngokuqhelekileyo kodwa kungabalulekanga kubaluleka imali ebango.
Ngokuqhelekileyo, ukukhishwa kwe-deductible kuza kudlala xa kukho ilahleko enkulu, njengemali yomshuwalense wekhaya apho ikhaya kufuneka livuselelwe okanye umlilo.
Ukukhishwa kwelahleko enkulu kwe-deductible kusekelwe kwixabiso lemali lebango. Ukuba ibango lidlula inani elithile, i-deductible ingasuswa ngokubhekiselele kwigama lakho nemigaqo-nkqubo.
Ukuba unomgaqo-nkqubo we-inshurensi onokukhishwa kwesigatshana esinqunyiwe kwigama, unokuba uzive ungcono xa uthatha i-deductible ephezulu ukugcina imali kwi-inshurensi yakho .
Indlela Yokufumanisa Ukuba Umgaqo-nkqubo We-Intshurensi Unokulahlekelwa Okukhulu Ukunikezelwa Kwesiqendu SesiDeductible
Iimvenge ze-deductible ziqhelekileyo kwimigaqo-inshorensi yasekhaya, imigaqo-nkqubo ye-inshorensi yempilo ethile, kunye ne-inshurensi yemoto.
Ezinye iinkampani zomshuwalense zomshuwalense ziya kukunika ithuba lokuthenga ukukhishwa kwemali echithwayo, sithetha ngoku malunga nale nombolo 2 ngezantsi. Nceda uqaphele "ukuthengwa" kweeversi ngoba kuba iindleko zokuxoshwa kwemali echithwayo zilingana nokulondolozwa kwexabiso elidlulileyo, awukho phambili phambili.
Ngaba Iingcambu zeDeductible ezahlukeneyo kunye nenkampani nganye ye-inshurensi?
Ewe, ukurhoxiswa kwe-deductible emva kwelahleko enkulu kuyahluka ngohlobo lwenkampani yakho yomshuwalense kunye nokukhethwa komgaqo-nkqubo. Kufuneka ucele ummeli wakho we-inshorensi ukuba inkampani yakho ye-inshorensi inikeze i-waiver echitshiweyo kunye nexabiso elithile lokukhutshwa kwipolisi yakho ukuqinisekisa.
Ngokomzekelo, iipolisi zomnini-mpahla eziphezulu zineenqununu ezidityanisiweyo, kodwa umda wokukhutshwa ungase ube phezulu, njengama-$ 50,000. Nangona umnini-mhlaba okanye umnini-mboleko, okanye umgaqo-condo ungavuma ukuyeka ukuxothwa kuphela xa ilahleko lingaphezu kwama-dollar ayi-10 000 okanye i-$ 25,000. Akukho mgaqo ophantsi, yinkampani yomshuwalense isisombululo sokuba kutheni ufuna ukubuza malunga nayo ukuba icace.
Inkampani yomshuwalense inokugqiba ukuba yeyiphi inqanaba lamabango aya kukhangela i-deductible ngokusekelwe kumxhasi wabo omgangatho kunye neemakethi ezijoliswe kuyo.
Ukwazi ukuba umgaqo-nkqubo we-inshorensi yakho uza kusinceda njani xa usenza iinqununu ekunqumeni ukuba ukwandisa imali enokukhipha imali . Iinkampani zomshuwalense zisebenzisa le ndlela njengenzuzo yeqhinga kunye ne-add-add to offer clients.
Kuphi ukufumana ukulungiswa koLwazi oluDeductible kwiNkqubo yakho
Iingxowa zokutsalwa kwi-inshurensi yasekhaya. ii-inshurensi ze-inshurensi kunye ne-inshurensi ye- condo iya kufumaneka kwigama lomgaqo-nkqubo njengenxalenye yepakethe. Unokuba nethuba lokuthenga izongezelelo ezongezelelweyo, kodwa kufuneka uqale ngokubuza izinto ezibandakanyiweyo mahhala. Ukuba uthengela i-inshurensi, ukhetha umgaqo-nkqubo unomlinganiselo ophantsi kunokuba ukukhishwa kwelokukhawuleza kukuhle.
Umzekelo Wendlela yokusebenzisa iWedvertible Waiver yokukhetha i-Intshurensi
U-Amanda wayeyithengisa i- inshurensi yokuqala yekhaya kwaye wayefuna ukugcina imali kwiindleko ngelixa esenokufumana inkxaso efanelekileyo.
Umrhwebi wakhe wamnika iinketho ezintathu zenkampani yomshuwalense, intengo yonyaka yayifanayo nganye, kodwa imigaqo yomgaqo-nkqubo yayihlukile:
Ikhetho 1: Ukulungiswa kwemali echithwayo xa ibango lidlula i-$ 5,000
Inketho yesi-2: Ukukhutshwa kwe-deductible ukuba ibango lidlula i-$ 10,000
Inketho yesi-3: Akukho nto ilahlekileyo yokulahlekelwa yilahleko ekhoyo
Zonke iinkampani zanikezela imingcipheko evulekile (yonke ingozi) ngenani elifanayo, kodwa kwacaca ukuba kwibango lika-Amanda liza kufumana imali engaphezulu - amawaka eedola ngaphezulu, ukuba ithe yathatha umgaqo-nkqubo ngokugqithiswa okuphantsi kwe-deductible. Ukongezelela, ngokubuza malunga nesigatshana esikhulu sokulahlekelwa kwelahleko, waqaphela ukuba ukhetho lokukhetha 3 luya kuhlawula amawaka eedola kwiibango.
Njalo ubuze ukuba kukho ilahleko enkulu yokulahlekelwa kwesigatshana esinqunyiwe kumgaqo-nkqubo kuba le ngcaciso ingenza umehluko omkhulu kumhla wokuhlawula ibango.
Kulo mzekelo, isigqibo sika-Amanda sokuhamba kunye nenketho ye-1 iya kufumana i-$ 5,000 ngaphezulu kwiibango ezinkulu kuba kungekudala umonakalo kwibango lidlulile i-$ 5,000 eliza kutsalwa. Ngokhetho 2, ukuba kukho ibango elikhulu, i-deductible iya kukhishwa emva kwe-$ 10,000 yokulahleka.
Ekubeni u-Amanda wayengenalo injongo okanye kufuneka ukuba enze amabango amancinci, wanquma nokunyusa ukonga kwakhe kwipolisi yakhe ngama-20 ekhulwini ngokukhetha i-dollar eyi-1 000 echithwayo; Ukulondoloza imali eninzi yokwenyuka kwenyuka kwiindleko ze-inshorensi zonyaka , nokuphumla kulula ukuba wazi ukuba akayi kubakhokhela loo mali xa ibango lingaphezulu kwama-5,000. Ngokusekelwe kwinto awayeyifunayo malunga nokukhishwa kwe-deductible, isinqumo sasilula.
Umzekelo woNcedo lweDeductible kwiNkundla enkulu
UJohn unomngcipheko omkhulu wamanzi ngenxa yokungena kwamanzi emva kwesiphepho. Unayo i-insinci ye-R500 i-deductible, kodwa ngenxa yokuba indleko yomonakalo ingaphezu kwama-25,000 e-dollar kwaye ipolisi yakhe inokulahlekelwa okukhulu kwemali echithwayo kwilahleko ezingaphezu kwama-25,000 ayi-$, ayikho imfuneko yokuhlawula i-deductible kwibango lakhe. Wayevuya ngokusindisa imali ngokuthatha i-deductible ephezulu, kwaye kwakhona ukuba umgaqo-nkqubo wakhe we-inshorensi unesigxina esincinci se-deductible limit. Ngokubanzi, ukuhlanganiswa kwezi zinto zimbini ugcine uJohn imali eninzi kwi-inshorensi yakhe.
02 Ukuxhatshazwa kweeDeductibles, Ukuchitha iiDeductibles kunye nokunyaniseka
Isigama sokulahleka, ukunyaniseka, okanye ukuxothwa kwee-deductibles kungadideka. Enye indlela yokuqonda umahluko kwixabiso lentengo ye-deductible ekhishiwe.
- Kwi-inshurensi yasekhaya, ngokuqhelekileyo ukulahlekelwa kwelahleko enkulu kunokufakwa kwi-policy statement kunye nokujongana nokulahleka okukhulu kweewaka zama-dollar.
- Ukutshatyalaliswa kweentlawulo zeentengo okanye ukunyaniseka okuthengiswayo kuthengwa okanye kuthotywe kwaye ngokubanzi kubhekane namanqanaba amancinci athatywayo.
Inkampani nganye isebenza ngale ndlela yeerk ehlukile kwaye ibeka iimeko ezihlukeneyo. Ezinye iikhampani zingenakuze zinike izikhetho, nangona kwindawo yokuthengisa ngokuncintisana yanamhlanje mhlawumbi uza kufumana ukuhlukahluka kweengcamango ukuba uthengisa i-inshurensi yakho ukuzithengisa okanye uthethe nomthengisi oqhelana neenkampani ezininzi ze-inshorensi. .
Kutheni Ukunyaniseka Kwokunyaniseka Kunokutshatyalaliswa?
Iinkampani zomshuwalense zihlala zikhangela iindlela zokwandisa ukunyaniseka kwamakhasimende okanye ukuthatha umgca ophezulu kumncintiswano wazo. Umgaqo-nkqubo wokukhulula, ukulahleka okanye ochithwayo ungaba yindlela enye inkampani yomshuwalense eya kwenza umgaqo-nkqubo wawo ubonakale ukhankanya umthengi. Ezinye iinkampani ze-inshurensi yemoto zibhekisela kule nto njengento yokuthenga "ukukhishwa kwe-deductible".
Nangona kunenzuzo, gcinani engqondweni ukuba unokuhlawula ngokuthe ngqo ukulolu hlobo. Ukuba kunjalo, ngoko unokuba ufune ukulinganisela indleko yomgaqo-nkqubo wakho wamahhala onganamhla ngokubhekiselele kwiindleko zomgaqo-nkqubo onokudityaniswa, ngakumbi ukuba awukhathazeki ngamabango amancinci.
Ngaba Inqubomgomo Yomshurensi Yakho Inika Isiqendu Esitshabalalayo?
Ezinye iinkampani zomshuwalense nazo zinikezela ngokudityaniswa kwemali, ukunciphisa inani olihlawulayo elichithwe ngumyinge othile othile ngamnye kunyaka ngamnye unabango mahhala.
Indlela iNkqubo yokuThatheka kweDeducable Yokunyaniseka inokusindisa imali
Ukuba inkampani yakho ye-inshorensi inolu hlobo lwenkqubo okanye isigatya kumgaqo-nkqubo wakho, unokukwazi ukusebenzisa inzuzo yokunyusa imali yakho. Ezi zithintelo ezidityanisiweyo zihlala zikhawulelwe oko kuthetha ukuba abayi kuhlawula ngaphezu kwexabiso elincinci.
Ukuba, umzekelo, inkampani yakho ye-inshorensi ikunika ithuba lokuba ne-$ 500 echithekayo, eyokuthi ungayisebenzisa njengesiqhinga sokufumana imali engama-dollar ayi-1000, kwaye kuphela kufuneka uyihlawule i-$ 500 yokuqala kwibango ngenxa yokuba iya ukuya kwii-500 zama-500 (ubukhulu becala) ngenxa yokunyaniseka kwakho kunye nerekhodi efanelekileyo yamabango. Ngoko uhlawula i-$ 500 kwibango, kodwa uzuze kwisaphulelo sexabiso elingu-1 000 lemali elichithwayo elinokuba ngu-20 ekhulwini.
Qiniseka kwaye ubuze ummeli wakho we-inshorensi okanye i-agent i-specification yegama lakho lomgaqo-nkqubo ngoba le ntlobo yeenzuzo zokupasa ziyahluka ngokwenkampani yomshuwalense yaye ingaxhomekeke kwimithetho okanye imeko ezininzi. Uya kufuneka wenze izibalo ukufumana ukuba uyayigcina imali.
Amabango amancinci ahlawula imali ngaphezu kokuba ufumane ixesha elide ngenxa yokulahlekelwa kwamabango aphulo-mali okanye iirhafu zengxowankulu, ngoko ke iincinci ezincinci ziyanceda kakhulu?
Gcina ukhumbule ukuba ukwenza amabango amancinci kunokunyusa iindleko zomgaqo-nkqubo kwiminyaka emininzi emva kwebango, ngoko ekugqibeleni, ukuba loo nto i-$ 200 ethembekileyo inokutshatyalaliswa ngokwenene into ekufuneka ibe yinto ebalulekileyo yokuthatha i-inshurensi yakho.
Izibhengezo ziya kukhuthaza ukunyaniseka okanye ukusabalalisa iinqununu, kwaye akukho nto inokuthabatha ukuba ungayikhokheli i-deductible kwibango; kwilahleko enkulu, ukuchithwa okutshabalalayo kunokuhlanjululwa yi-laiver, kwaye oku kuyinto engacinga ngayo.
03 Ukwandisa ukuSindisa kwakho Ngaphambi kokuba ibango lenzeke: Idibaniselwano edibeneyo
Ngaphambi kokuba uhlawule i-deductible engabonakaliyo, unokufuna ukucinga ukuba ezinye iinkampani zomshuwalense zinikeza i-deductible edibeneyo xa ulahlekelwa yinto echaphazelayo kunye nekhaya lakho. Nangona kugcinwa iinqununu ezihlukeneyo xa kwenzeka amabango ahlukeneyo, ukuba unabango efuna inkokhelo evela kwi-inshurensi yakho yasekhaya kunye neyomoto, ukuba nemigaqo-nkqubo kunye nenkampani enye inokukunika ithuba lokuba uhlawule omnye. Buza inkampani yakho ye-inshorensi malunga nale nto kwaye ubone ukuba kuyaqondakala ukuba ufake yonke i-inshurensi yakho kwindawo enye.
Umzekelo we-Deductible Component Save One hundred Dollars
Imoto kaJulie yaphulwa ngoxa wayethengisa iholide. Imoto yakhe yaphule iifestile kunye nomnye umonakalo, kodwa amasela ayenayo kunye ne-$ 1,500 yezipho ayenayo kwi-trunk.
Ngenxa yokuba isiganeko sichaphazela ukubiwa kwezinto ezivela kwi-trunk (izipho ziyimpahla yomntu, ngoko ziwela phantsi komgaqo-nkqubo womnini-ntanethi), kwaye umonakalo emotweni (lehla phantsi komgaqo-nkqubo wakhe wemoto) wayecaphukisa ukuba afune ukuba hlawula a mabini a ductibles.
I-500 yemali yakhe yemoto idityanisiwe kunye ne-500 lemali ngenjongo yokuchithwa komgaqo-nkqubo wendleko.
Ukuba uJulie wayelungise ikhaya lakhe kunye nemoto yenkampani yomshuwalense ehlawuliswayo kuphela xa umgaqo-nkqubo wekhaya kunye nomgaqo-nkqubo wemoto kufuneka uhlawule kwibango, uza kuzigcina i-$ 500. Esikhundleni salokho, wahlawula iimbini ezidityanisiweyo ezagqitywa ngokuzixabisa kakhulu.
Ukuxhaswa kweDeductible & Deductibles ezidibeneyo zinikela ngexesha elide lokugcina iindleko
Kukho iindlela ezimbini zokugcina imali nge-inshurensi, enye ibhade phambi kwebango, xa ukhangela oko uhlawula umgaqo-nkqubo weprayimari kunye nelinye emva kwebango, xa ubona ukuba uza kufumana phi imali. Ngokufanelekileyo, ufumana indlela yokwenza zombini.
Ukwazi kwinqanaba lakho elichithwayo liye lakhishwa kwaye wenze le ngxenye yesigqibo sakho ekuthengeni i-inshurensi yindlela enye efihliweyo yokukhulisa ukuba uza kufumana phi inkokhelo ye-inshorensi ekubeka kwindawo engcono yezemali.
Ukuziqinisekisa ngekhampani enye ukwenzela ukuba ugqithise iinqununu ezininzi kwiibango ezichaphazela ekhaya kunye nemoto, iyakusindisa imali.
Ezinye iindlela zokuGcina imali kwi-Intshurensi yakho
Ukuba usalindela iindlela zokugcina imali kwi-inshurensi yakho yasekhaya, unokufuna ukujonga iinketho zakho zokufumana i-inshorensi yasekhaya kwaye ubone ukuba unenqubomgomo efanelekileyo yezidingo zakho.
Iinkampani zomshuwalense zikhuphisana kakhulu xa kuzibandakanya ukufumana okanye ukugcina ibhizinisi, ngamanye amaxesha kunokuhlawula ukuthenga i-inshurensi yakho okanye uxoxisane nekhaya lakho okanye umshuwalense wemoto kude kube yinye inhlanganisela yemigaqo-nkqubo oyifunayo ikunika inani eliphantsi kakhulu.
Unokuphela ukuhlawula ngaphantsi kwaye ufumane ngaphezulu ngokutshintshela kwinkampani entsha yomshuwalense onomsebenzi omncinci kunye nophando.