Iyintoni i-inshurensi yempilo echithwayo?
Inkcazo: Inkokhelo ye-inshurensi yemali iyinani lemali ovuma ukuyihlawula ngaphambi kokuba umgaqo-nkqubo we-inshorensi yempilo iqale ukuhlawula. Ngendlela, isicwangciso sezempilo sichithwa sifana nemali yemali ovumelana nayo ukuba uqiniseke phambi kokuba uqale ukufaka ibango kwiindleko zonyango.
Iminye imiGaqo ye- Intshurensi yezeMpilo :
- Utyando lwezoNyango
- Isicwangciso seMpilo sichithwa
Iintlobo ezahlukeneyo ze-Intshurensi yezeMpilo ezixhatshazwayo kunye nezinto ezizithethayo
Kukho iintlobo ezintathu zokuncitshiswa kwiinkampani ze-inshorensi yempilo. Nantsi yintoni enye ithetha ngayo ukuze uqiniseke ukuba uyakwazi ukuqonda indlela i-deductible eya kukuchaphazela ngayo kwiingxelo ezahlukeneyo
- Deductible epheleleyo
- I-Non-Comprehensive Deductible
- Ukunyuswa kweDumuctible
I-Deductible ecacileyo ichazwe
I-deductible epheleleyo yinto elula ukuxothwa ukuyiqonda, yinto echithwayo enye esetyenziswe kuzo zonke iifowuni kunye nokongeza uze udibene ne-deductible yakho.
Akukho ukuqiqa ngokubhekiselele kwii-deductible ezahlukeneyo kwizibonelelo ezihlukeneyo kunye nendlela ezifaka ngayo.
I-Deductible engeyiyo ecacileyo
Ixesha elingagqibekanga elidityanisiweyo aliqhelekanga lisetyenziswe xa uthetha ngemigaqo-nkqubo ye-inshorensi yempilo ngokwemigqaliselo, kodwa yimeko eqhelekileyo kwimigaqo-nkqubo eninzi kwaye inokufumana amanzuzo amaninzi. kusebenza kuphela kwiinkcazo ezichaziweyo okanye iindleko zonyango kwi-inshorensi yempilo yomshuwalense, Ngokomzekelo, ezinye iingxelo ziyakudityaniswa, ezinye iingekho kunye neendleko zonyango zingadinga ukuhlawulwa imali phambi kokuba uqale ukuhlawula iintlawulo.
Eyona nto ithetha ukuba ezinye zeziganeko zakho ziza kuhlawulelwa kwaye ezinye aziyi kuba ne-deductible, njengoko kumzekelo wovavanyo lwamehlo esichazayo ngezantsi.
I-Cumulative Deductible Explained: Intsapho enkulu yokuxhatshazwa ngokubhekiselele kwiDeductibles Individual
Ukuba unesicwangciso se- inshurensi yempilo yentsapho ngokwakho okanye iqabane lakho , ngoko i-term cumulative deductible ingaba nomdla kuwe. Xa kuziwa ekuhloleni ukuba yeyiphi isicwangciso se-inshurensi yempilo yentsapho ofuna ukuba yinxalenye yeyo, ukwazi ukuba intsapho ephezulu inokukhupha ingakunceda.
Kwiiprogram ze-inshurensi ezichithwayo zingachazwa njengomntu ngamnye kunye nosapho. Ukuxhomekeka komntu ngamnye kugxininisa kwisixa esithintekayo ukuba ngamnye umntu kwisicwangciso sele akhokhe. Xa unentsapho ephezulu inokutsalwa, xa isixa sonke amalungu esicwangciso sele akhokhe ngokuthe ngqo kwi-deductible idibana ne-deductible, ngoko isicwangciso sithathwa njenge-deductible njengoko idibeneyo. Akufuneki ngamnye umntu kwisicwangciso sokudibana nokuxhomekeka kwakhe okokuqala. Oku kunokukunceda ukugcina imali ngenxa yokuba zonke izicwangciso zamalungu egalelo kwi-deductible ziya kubala.
Ngaba i-Inshisi ye-Intshumo yezempilo iyayichitha i-efanayo nayo yonke imiqulu?
I-Intshurensi yezempilo Inkunkuma engafaniyo nayo ayifani nayo yonke imiba yesikhokelo sakho se-inshurensi yempilo.
Zonke izicwangciso ziyahlukileyo, kutheni ukuqonda indlela iintlobo ezahlukileyo zokudityaniswa kweenkonzo ezokunceda ngayo. Ezinye iifayili kunye neendleko zonyango ziyancitshiswa kuncinci kwisicwangciso sakho sonke, ezinye iindleko zonyango ezikhuselekileyo zingenakho ukuhlawulelwa. Kuxhomekeke kwisicwangciso okhethileyo kunye nohlobo oluthileyo lwenkqubo yakho. Ukuqonda indlela oza kuphelisa ngayo ukuhlawulwa ngaphandle kwepokothini, kufuneka ucele umniki wakho umcebisi imibuzo 3.
Imibuzo e-3 yokuyiqonda iindleko zakho zePokhethi kuquka neDeductibles yakho
- Ziziphi iziganeko ezixhomekeke kwi-deductible
- Ingaba kukho naziphi iimbasa ezingenayo i-deductible? Ingaba ezi ngxelo ziba nomda?
- Ziziphi iingxelo ezifuna umvuzo-ntsebenzo okanye i-inshurensi?
Ukwazi iimpendulo kule mibuzo kuza kukunceda uqonde iingenelo zakho kwiziko lakho le-inshurensi yezempilo.
Kutheni Ufanele Uhlawule Ingxenye Yeendleko Nangona Akukho Kwenyulwa?
Ngamanye amaxesha isicwangciso siza kubonelela ngeendleko zakho kwiinkqubo ezithile zonyango okanye unyango "ngaphandle kokunciphisa". Qaphela xa ufunda amagama akho ukuqinisekisa ukuba ujonga kwakhona imida. Nangona imingcele kunye neengxowankulu zingenjalo, ukushaya umda kwisicwangciso kuya kukunyanzelisa ukuba uhlawule ipokothini.
Ngokomzekelo, ngamanye amaxesha ezinye iimvavanyo zonyango ezifana nokuhlolwa kwamehlo akunakuzithobela ukuxhomekeka, ngoko kuya kuba yinto engabonakaliyo. Nangona kunjalo, ukuhlolwa kwejiso kwindleko okanye nokuba neendleko zeglasi ozigqibayo ziyakwazi ukuthenga, unokuba nomda nokuba ngaba azinalo.
Ukuba ihlohlo lakho lokuhlola libiza i-$ 65 kwaye umda wakho wokuvavanywa kwamehlo i-$ 50, ngoko uya kugqiba ukuhlawula umahluko, nangona kungekho ncitshulwa. Ingumda wenkcazo eya kugqiba ukukwenza uhlawule ngaphandle kwepokothini.
Lo ngumzekelo omnye kuphela apho unokufumanisa ukuba awunayo i-deductible, kodwa ekugqibeleni kufuneka uhlawule ngaphandle kwepokothini. Yingakho kukufanele ukubuza umbuzo ngaphambi kokuba uthenge okanye utyunjwe iinkonzo zonyango ukuphanda imibuzo emithathu esathetha ngayo ngasentla.
Ngubani Okhetha Intshurensi yezeMpilo?
Ukhetha i-inshorensi yempilo echithwayo xa uthengisa isicwangciso sakho. Abanye abantu bacinga ukuba banokhetho olulodwa kuphela, kodwa unokuhlala ucela izicatshulwa ezidityanisiweyo. Ukuba unesithuba sokuhlawula i-deductible ephezulu, ngoko unokuthatha isicwangciso kunye ne-deductible ephezulu kwaye ugcine imali kwiindleko ze-inshurensi yakho. Ukulondolozwa kwakho kwiindleko kunokuba wongeze ngokukhawuleza ixesha eliya kwixabiso elifunekayo ukuba lifihla imali echithwayo xa ubeka ezo mali. Oku kukubeka ekulawuleni imali, endaweni yenkampani yomshuwalense. Ukuba awunakuphelisa ukuba ufuna ukusebenzisa imali eyongezelelweyo ulondoloza ukuba uphume phezulu. Kuxhomekeka ngokwenene ngohlobo lweenkonzo zonyango ozisebenzisayo, kunye nesimo sakho sezokwelapha.
Ngaba Ufanele Unyule I-Insured High Higher Insurance?
Ukuba uziva unzima ukuhlangabezana neendleko ze-inshorensi yakho yezempilo, ke kufuneka uqikelele ukuba uzibeka engozini kakhulu ngokuthatha imali ephezulu ekudityeni imali . Kubalulekile ukuqwalasela ukuba unako ukufumana imali ephezulu echithwe kwiimeko eziphuculweyo. Ukuzibeka kwisimo apho ungeke ukwazi ukuhlawulela imali echithwayo kwisicwangciso sakho sezonyango akuyona ingcinga efanelekileyo, ngoko cinga ixesha elide xa ukhetha isicwangciso se-inshorensi yezempilo. Akunalo ngeendleko namhlanje, malunga neendleko xa ufuna ukusebenzisa i-inshurensi.
I-TIP: Cinga ukuba kufuneka ufike ngelo xesha liza kutsalwa, ngaba uya kukwazi? Ukuba impendulo ayikho, funda isicwangciso esiza kusebenza kubhajethi yakho. Khumbula, yonke inkalo ye-inshorensi yakho yempilo kukukhathalela xa uyayidinga.
Ukulondoloza i-Intshurensi yezeMpilo
Enye inketho ukuba awukwazi ukuhlawula imali ephezulu namhlanje, ukuzenza isicwangciso apho uzama ukugcina enye "inshorensi yempilo" ngenyanga nganye kwintlawulo engxamisekileyo ye-inshorensi yezempilo. Emva koko emva konyaka okanye amabini, usenokuba usindise ngokwaneleyo ukuba uthathe i-deductible ephezulu xa ixesha lokuvuselela isicwangciso se-inshorensi yezempilo. Emva koko uza kuhlawula ubuncinci kwi-inshorensi yakho yexesha elide.
IiAkhawunti zokuSindisa iMpilo
IiAkhawunti ze-Savings Health zibonelela ngeenzuzo ezininzi kwaye oku kungenye enye inketho yokufunda okungakumbi malunga nokufunda kwakho malunga nendlela yokwenza uninzi lwemali yakho kunye nezicwangciso ze-inshorensi yezempilo. OKUNYE >>
Ukufumana iindlela zokugcina imali kunzima, kodwa kunzima ngakumbi xa uzama ukuqokelela imali ukuhlawula imeko engxamisekileyo kwaye impilo yakho isengozini. Ukuba ingxamiseko ayenzekanga, ngoko uya kuba ne-nice cushion yokulondoloza ukuba uyayidinga. Kungcono ukuba nale mali ephaketheni lakho, endaweni yekampani yomshuwalense. Beka ezo njongo zokugcina kunye nokunamathela kwisicwangciso, kuyafaneleka.