Umshuwalense Wakho

IziQinisekiso zokuNceda Uyiqonde Indlela osebenza ngayo i-inshurensi

Ukuqonda i-inshorensi ingaba nzima, ngoko ke kubalulekile ukuba ube nokuqonda okusebenzayo kwenkxaso yakho kunye nento oyifunayo. Oku kungenza umehluko omkhulu kwixabiso oza kulihlawula, njengoko kukuvumela ukuba uqonde indlela ukhetho lwakho lwe-inshorensi oluya kukhusela ngayo indlela yokuphila, impahla kunye nepropati yakho.

Ininshurensi NgokuKhuseleko LwezeMali kunye Nokukhusela Ukuzimela kwakho

Kungabonakala ngathi kufuneka ufunde iincwadi ezininzi kunye nolwazi ukuqonda u-inshorensi, kodwa ingundoqo yayo, umgaqo-inshorensi uyisisiseko:

Xa unento yokulahlekelwa, kwaye uyazi ukuba awukwazi ukuhlawulela ukulahleka kwakho, i-inshorensi inika indlela yokukhusela utyalo-mali, indlela yokuphila, kunye ne-asethi ngokuhlawula imali encinci nganye ngenyanga xa utshintshiselwa Isiqinisekiso sokuba ukuba into ehamba kakuhle, inkampani yomshuwalense iya kuba nomva wakho ngendlela yembuyekezo yemali.

Yintoni Umshuwalense Wakho?

Ii-inshorensi zomntu ngamnye iintlobo ze-inshurensi oyithengayo ukukukhusela kwimingcipheko enokudala ilahleko zemali ongeke ukwazi ukufikelela kuzo. Iinshurensi yomntu ngamnye inxulumene nemingcipheko enokuzijamelana nayo njengomntu, ngenxa yeengozi, izifo, ukufa okanye umonakalo kwipropati.

Inkonzo Yomshuwalense njani?

Xa uthenga i-inshorensi, ngokuqhelekileyo uya kuhlawula imali-evunyelweneyo - i-premium - kwinkampani yomshuwalense ngokuchishana nokukhuselwa kwimingcipheko ebhaliweyo. Ukutshintshela i-premium oyihlawulayo, bayavuma ukukuhlawulela ilahleko, ukuba kwenzeka enye. Ininshurensi yomntu ngamnye isekelwe kwimigaqo yokuba ukusasazeka kwelahleko yezoqoqosho (njengomlilo okanye ukweba, umzekelo) phakathi kwabantu abaninzi kwenza ukuba ingozi ilawulwe bonke.

Abantu abaninzi bakhokhela ekukhuselweni kwilahleko ngokusebenzisa i-premium yomshuwalense. I-premium iqokelelwa yinkampani yomshuwalense kwaye xa kufika ixesha lokuhlawula ibango, bathabatha imali kuloo "qoqo" ukuhlawula umnikazi wepolisi.

Ngaba Wonke Unokuthenga Intengiso?

Wonke umntu akadingi ukuthenga i-inshorensi, kodwa yinto efanelekileyo yokuthenga i-inshorensi xa unengxaki enkulu yemali okanye utyalo-mali kumgca.

Ngokuxhomekeka kohlobo lwe-inshorensi, enye inshuwalense iyakhethwa ngelixa elinye i-inshurensi efana ne- inshurensi yemoto , ingaba neemfuno ezincinci ezisetyenziswe ngumthetho .

Kutheni i-Bhanki ifuna i-Inshorensi?

Nangona i-inshurensi ingabi mfuneko yomthetho, ingaba yimfuneko yomboleki okanye ibhanki okanye inkampani yokubolekisa.

Ngokuxhomekeke kuhlobo lomshuwalense, unakho "ukuthenga" i-inshurensi ukuze ufumane umboleko. I-inshurensi isoloko imfuneko yokufumana imali yokuthenga ezinkulu njengamakhaya kuba ababolekisi bafuna ukuqinisekisa ukuba uhlanganiswe nemingcipheko enokubangela ukuba ixabiso lentyalo-mali liphele phambi kokuba uyihlawule.

Ukufumana Ixabiso Elihle Ngomshuwalense

I-premium yimalini yemali oya kuhlawulwa yinkampani yinshurensi (ngokuqhelekileyo rhoqo ngenyanga) ngokutshintshela ukukhuselwa kwemali okunikezelwa ngumgaqo-nkqubo wakho womshuwalense.

Ukunciphisa i-premium yakho, into enokuyenza xa ukhetha i-inshurensi ukuthenga ngeenkampani ezahlukeneyo, okanye ukusebenzisa umthengisi we-inshurensi onokukuthenga ukuyithengisa kwaye ubone ukuba iyiphi inkampani yomshuwalense inokunika umgangatho ophezulu kwi-inshorensi yakho . Ngokusekelwe kumava amabango kunye nokubhalwa phantsi kweenkampani zomshuwalense, amaxabiso ayahluka.

Ezinye iinkampani zomshuwalense zinokuba neeraphulelo ezijoliswe ekutsaleni iiprofayili zabo zabaxhasi. Iprofayili yakho ifaneleka kakuhle njani kwiprofayili yomshuwalense iza kugqiba ukuba ixabiso lakho liya kuba lihle kangakanani.

Umzekelo, ukuba umgcini-inshurensi unomdla ekutsala abaxhasi abancinci, bangenza iiprogram ezinikeza izaphulelo zezifundo zamva nje, okanye iintsapho ezincinci. Xa kuthelekiswa, abanye abatshutshisi bangenza iiprogram ezinika izaphulelo ezikhudlwana kubadala, okanye amalungu olawulo loqeqesho okanye umkhosi. Akukho ndlela yokwazi ngaphandle kokuthenga ngeenxa zonke kwaye uthelekise iindlela.

Xa Ufanele Uthenge Umshuwalense?

Kufuneka uthenge i-inshorensi kwiimeko apho ukulahlekelwa kwemali kungaphezu kwezinto onokukwazi ukuzihlawula okanye ukuzifumana ngokulula.

Ukuqonda iiNtsholongwane ezi-5 zeNtshuwalense yomntu

Xa abaninzi abantu becinga ngomshuwalense wabantu, ngokuqhelekileyo bacinga ngenye yeendidi ezi-5 ezinkulu, phakathi kwabanye:

1. Ubshuwarensi bendawo yokuhlala, njenge-inshurensi yasekhaya, i-condo okanye i-inshurensi ye-co, i-inshurensi yezindlu.
2. Inqwelo-mali yomshuwalense kunye nezinye i-inshurensi yezithuthi ezifana ne-snowmobiles, motorcycles, and mopeds.
3. Inkonzo yomshuwalense webhanki , onokuthi ihlanganiswe phantsi kwe-inshurensi yasekhaya kwezinye iimeko, kwaye zimele i-inshuwalense yedwa yomshuwalense kwiinqanawa zesantya esithile okanye ubude obungagcinwanga phantsi kwe-inshurensi yasekhaya

1. Intshurensi yezeMpilo, i-Inshurensi yoBomi kunye neNtshuwalense yokukhubazeka
2. Intshuwalense

Nangona zonke iindidi zifihla into onokuyicinga ngayo inshuwalense yakho, awukwazi ukuzifumana zonke kumntu omnye. Ininshurensi idinga ilayisenisi kwaye ikwahlula kwiindidi. Oku kuthetha ukuba ngaphambi kokuba umntu ugunyaziswe ukukuthengisa i-inshurensi, okanye ukunikezela ngeengcebiso ze-inshorensi kwiimfuno zakho ze-inshorensi, kufuneka zinikezwe ilayisenisi ngurhulumente ukumela uhlobo lwe-inshorensi oyithengayo.

Ngokomzekelo, umthengisi wakho we-inshurensi okanye i-agent ye-inshorensi yakho unokukuxelela ukuba abakwazi ukukunika inshuwalense ye-inshorensi okanye ukukhubazeka, kodwa unokukuthumela kumntu osebenza naye kunye nelayisenisi efanelekileyo, njengomCwangcisi wezeMali okanye uMcebisi.

Ziziphi iindidi ezahlukeneyo zeNtshurensi?

Iinshurensi zasekhaya zihlanganisa izakhiwo kwipropati yakho, kubandakanywa indawo yokuhlala yokuhlala, kunye naziphi na izakhiwo ezongezelelweyo kwindawo. Kwakhona iqulethe iziqulatho zakho - impahla ehambayo ihlala igcinwe kwindawo yakho yokuhlala - kwakunye neendleko zokuhlala kunye kunye nezixanduva.

Abaqashi be-Intshurensi bahlawula impahla yakho yomhlaba rhoqo egcinwe kwiyunithi yakho yokuqeshisa kunye neendleko zokuhlala ezongezelelweyo, kunye noxanduva lomntu kwiindawo nakwihlabathi.

I-Condo okanye i-Co-op inshurensi iyafana ne-inshurensi yeenqwelo, nangona kunjalo ngaphezu kwepropati yakho, iindleko zokuphila ezongezelelweyo kunye neemfanelo zomntu wonke jikelele, ikwabandakanya ezinye izinto ezichanekileyo kubunini beyunithi, okanye izabelo kwisakhiwo.

Inqwelo-mali ye-Car, i-Insurance Insurance kunye ne-Other Insurance

Imoto, iBheke kunye nezinye i-inshurensi yezithuthi zinikezela ngeendlela ezahlukeneyo kwiinkcazo. Inkokhelo eyimfuneko ebalulekileyo yintengiso yomshuwalense, ifihla umthwalo wakho wobunini okanye umsebenzi wesithuthi okanye isitya. Emva koko kukho iziganeko ezikhethiweyo ongazithengayo, ezifana nokukhutshwa komonakalo emzimbeni okanye kwisitya ngokwawo, kunye nezixhobo zayo. Izinketho zeentlawulo zezokwelapha kwabanye, kunye neenzuzo zokufa ngenxa yokufa okanye ukulimala ngenxa yokusebenza kweso sithuthi sinokubandakanywa njengendlela yokuzikhethela okanye isigunyaziso ngokuxhomekeke kwimithetho yenkxaso-mali yemimiselo yomgaqo-nkqubo okanye ubuncinane bemfuno yomshuwalense wemoto .

Umshuwalense wezeMpilo, Ubomi kunye nokukhubazeka

Inshshurensi yezeMpilo, i- Inshurensi yeeNtlalo , Inshshurensi yokukhubazeka kunye neengubo ezifana neNkcazo yoKhathalelo lwangexesha elide zonke zibonelela ngembuyekezo yembuyekezo yemali okanye ukubuyiselwa kwemali, izifo okanye iziganeko ezihlobene nokufa.

Intshurensi yezempilo iquka iintlobo ezahlukeneyo zemigaqo-nkqubo , ezivela kwizibonelelo zempilo ezisisiseko, kwiinkqubo zempilo ezongezelelweyo ezifana ne-Arhente ye-Dental okanye i- Long Term Care Insurance . Kukho uluhlu oluninzi lwe-inshorensi efumanekayo ukuze ihambelane neemfuno zakho kuxhomekeke kukuphi uhlobo lokukhuselwa kwemali oluyidingayo , unokufunda ngakumbi malunga nokufumana iingcebiso ze-inshorensi zempilo efikelelekayo apha .

Ukuqonda Inkcazo Encinci kwiimigaqo-nkqubo ze-inshurensi

Ikhasi lakho lokubhengeza i-inshurensi libonisa uluhlu olusisiseko lwe-coverage oyithengile kumgaqo-nkqubo, nangona kunjalo kwigama lomgaqo-nkqubo ofumanisa indlela inqwelo-mali yakho isebenza ngayo kwibango. Uninzi lwabantu alufundanga umshicilelo omncinane kwinqubomgomo yomshuwalense yeso sizathu sokuba abantu badla ngokudideka kwaye baxhatshazwe kwinkqubo yamabango.

7 Iinkcazo Ukuqonda Imigaqo neMibandela Yomshuwalense

Ezi zilandelayo ziindawo eziphambili eziprintiweyo zincinci, ngeenkcazelo zokukunceda uqonde ukuba kutheni zibalulekile kuwe.

1. I-deductible yimalini yemali oyihlawulayo kwibango. Uphakamisa umvuzo wakho, umngcipheko othe wuthatha kuwo, kwaye ngoko ke ungaphantsi uhlawule kwi-premium. Abanye abantu basebenzisa i-deducible njengeqhinga lokugcina imali .
2. Ukungabikho kwezi zinto ezingagqithwanga njengenxalenye yenkqubo yakho yomshuwalense . Kubaluleke kakhulu ukubuza malunga nokugqitywa kuyo nayiphina imigaqo oyithengayo ukuze ukushicilelwa okuncinci akukumangalisi kwibango.
3. Uhlobo lomgaqo-nkqubo: Iinkampani zomshuwalense zihlala zinikela ngamanqanaba ahlukeneyo enkonzo. Ukuba ufumana ixabiso eliphantsi ngokwenene kwi-inshuwalense ye-inshurensi, unokufuna ukubuza ukuba unjani uhlobo lomgaqo-nkqubo onayo okanye ukuba imida yokubhengezwa yintoni kwaye uqhathanise nale nkcukacha nakwezinye izicaphuno onakho.
4. Imida ekhethekileyo : Imigaqo-nkqubo ye-inshurensi yonke inamacandelo athile achaza imida yemali ehlawulwayo. Oku kubaluleke kakhulu xa wenza ibango. Oku kusebenza kuzo zonke iintlobo zemigaqo-nkqubo evela kwinshuwalense yezempilo ukuya kwi-inshurensi yemoto. Buza malunga naziphi iincwadi zokukhawulelana ezingaphelelanga kunye nokuba imida ingakanani. Unokuthi ucele uhlobo oluthile lomgaqo-nkqubo oza kukunika umda ophakamileyo ukuba imida emgaqo-nkqubo ikukhathazayo.
5. Iimviwo zexesha elilindelweyo kunye neeCandelo ezikhethekileyo: Ezinye iintlobo ze-inshurensi zinemizuzu yokulinda ngaphambi kokuba i-coverage iqalise ukusebenza. Ngokomzekelo, kwi- inshurensi yamazinyo ungase ube nexesha lokulinda , kwaye kwinshurensi yobomi unakho ukuthobela isigqibo sokuzibulala . Le mizekelo emibini nje emincinci, kodwa uhlala ufuna ukubuza xa kuqwalaselwa kuqala kwaye ukuba kukho naziphi na ixesha lokulinda okanye izigaba ezikhethekileyo ezinokuchaphazela ukufihla kwakho xa uthengela umgaqo-nkqubo omtsha.
6. Ukwamukelwa kuncedisa umgaqo-nkqubo ukufumana ukugqithiswa ngaphezulu okanye kwezinye iimeko izibonelelo zingalungisa umgaqo-nkqubo wokunciphisa okanye ukukhawulela umgca. Funda kabanzi malunga nokuvumela apha.
7. Isiseko seNkundla yokuBala iMali ibonisa imimiselo phantsi kokuba ibango liya kuhlawulwa. Kwi-inshurensi yasekhaya, umzekelo, unokuba neendleko zokutshintshwa, okanye umgaqo-nkqubo wenani loqobo. Isiseko samabango okuhlawula senza umlinganiselo omkhulu malunga nokuba uhlawula phi. Kubalulekile ukuba uhlale ubuza ukuba zeziphi iimali ezihlawulwayo kwaye yintoni na inkqubo yebango.

IiNkampani zeNtshurensi zihlawula njani amatyala ?

Imali eqokelelwe kwiiprayimari yinkampani yomshuwalense ivumela inkampani yomshuwalense ukuba yakhiwe ixabiso kwiiprayimari eziqokelelwe ukwenzela ukuba xa umnini-nkqubo okanye umntu ngamnye elahlekelwe, kukho imali eyaneleyo yokufaka ibango.

Ngaba Uya Kubuyisela Imali Yakho Xa Ungenzi Inkolelo Yomshuwalense?

Xa uhlawula kwi-inshurensi kwiminyaka emininzi, unokuqala ukuzibuza ukuba kutheni uhlawule kakhulu xa ungazange ube nebango. Abanye abantu banokuba bazive ngathi bafanele bafumane imali yabo xa bengenayo ibango, nangona kungengabikho i-inshurensi esebenza ngayo. Iinkampani ze-inshurensi ziqokelela imali yakho kwaye zibeka eceleni ukuze zihlawulwe xa kukho ibango.

Umzekelo weNkulumbuso kunye neeNtlawulo zeBango

Cinga ukuba uhlawula i-$ 500 ngonyaka ukuze uqinisekise i-$ 200,000 ekhaya lakho. Iminyaka eyi-10 yokuhlawula i-inshorensi kwaye awuzange wenze izibango. Le minyaka eyi-500 i-10, kwaye uhlawule i-$ 5,000 kwiinkampani zomshuwalense. Uqala ukuzibuza ukuba kutheni uhlawula kangako nto. Ngomnyaka we-11, unamabango amakhulu . Inkampani yomshuwalense ihlawula i $ 50,000.

Ukuba inkampani yomshuwalense yanikezela wonke umntu imali yakhe xa kungekho bango, abayi kudala ipahla ezifanelekileyo ukuhlawula amabango. Nama $ 5,000 obahlawula ngaphezu kweminyaka eyi-10 ayifuni imali yokulahleka yakho ye-$ 50,000. Enye ilahleko, kwaye ungabi nzuzo kwinkampani yomshuwalense, kodwa ngokubulela kuba inshorensi isekelwe ekusasazeni umngcipheko kubantu abaninzi, yimali eqokelelwayo kubo bonke abantu abahlawula iipummmenti zomshuwalense kunye nokuvumela ukuba inkampani yomshuwalense yakha i-asethi ize ibhengeze amabango xa kwenzeka.

Yintoni eyenza Inkampani Yomshuwalense Ixabiso Eliya Kuphezulu okanye Eliphantsi?

I-inshurensi yoshishino, nangona ingaba yinto enhle kwiinkampani zomshuwalense ukuba zihambe nje kwizinga elifanayo lonke ixesha, inyaniso kukuba njengabashishini abanomthwalo wokwenza imali eyaneleyo ukuqinisekisa ukuba banemali yokugubungela onke amabango abo angabenza.

Xa inkampani ye-inshorensi ithetha ukuba ingaba ihlawulwe kangakanani kumabango ekupheleni konyaka, ngokumalunga nokuba bangakanani abaqokelele kwiipriyamu, kufuneka bahlaziye amaxabiso abo ukuze bahlale benenzuzo. Utshintsho lwangaphantsi kunye nokunyuka kwenyuka okanye ngamanye amaxesha kuncipha nokuba yimiphumela yeziphumo zenkampani yomshuwalense eyayineminyaka edlulileyo.

Agent, Agent Abathintekayo, kunye nabarhwebi bomshuwalense

Umgca wangaphambili abantu ojongene nawo xa uthenga i-inshurensi yakho yile nkonzo kunye nabarhwebi abamele inkampani yomshuwalense. Baza kukumela kwinkampani yomshuwalense kunye nokuchaza iingxelo kunye nemveliso ekhoyo.

Ngokuxhomekeke kwiyiphi inkampani ye-inshorensi oyithenga i-inshurensi ukusuka kuyo, unokusebenzisana ne-agent agent okanye ummeleli-nshorensi okwazi ukumela iinkampani ezininzi ze-inshorensi.

Uluphi Uhluko phakathi koMmeli Othunjiweyo kwi-Inshorensi kunye noMthengisi okanye uMmeli ozimeleyo okanye ongabambezeli?

Ummeli othunjiweyo ngummeleli we-inshurensi omele kuphela inkampani yomshuwalense. Baqhelana nemveliso yenkampani yomshuwalense okanye iminikelo, kodwa abakwazi ukuthetha nakweminye imigaqo-nkqubo yenkampani yomshuwalense, ixabiso okanye umrhumo wemveliso.

Umthengisi we-inshurensi, i-Agent ye-Independent okanye engekho inkokheli inokujongana neenkampani ezininzi ze-inshorensi egameni lakho. Baya kuba nokufikelela kwiinkampani zomshuwalense angaphezu kweyodwa kwaye kufuneka bazi kakuhle uluhlu lweemveliso ezinikezelwa kwiinkampani ezahlukeneyo abazimelayo.

Indlela yokwenza isigqibo sokuba yeyiphi i-inshorensi efunekayo

Kukho imibuzo embalwa engundoqo ongayibuza yona enokukunceda ukuba unqume ukuba yeyiphi inzuzo yomshuwalense oyifunayo.

• Umngcipheko omkhulu okanye ukulahleka kwezimali unokuzicingela wena?
• Ingaba unayo imali yokugubungela iindleko okanye amatyala xa unengozi okanye ukuba ikhaya lakho okanye imoto yakho yachithwa?
• Ingaba unayo imali yokukugubungela ukuba awukwazi ukusebenza ngenxa yengozi okanye ukugula?
• Ngaba unako ukuhlawula iindleko ezincinci ukuze unciphise iindleko zakho ze-inshorensi?
• Ngaba unayo iimfuno ezikhethekileyo okanye iingqwalasela ebomini bakho bobuqu onokufuna ukuqinisekisa ukuba unokhuseleko lwemali?
• Yintoni oyikhathazayo kakhulu? Imigaqo-nkqubo ye-inshurensi ingafaniswa neemfuno zakho kwaye ubone ukuba unjani ukhathazeke ngokukhusela, oko kunokukunceda unciphise uhlobo lwenyhuwalense oyifunayo kwaye unciphise iindleko zakho.

Ukukhetha Umshuwalense ngokusekelwe kwiMpilo yakho yangoku kunye ne-Life-Stage

I-inshurensi oyifunayo iya kuhluka ngoxhomekeke kwindawo ohlala kuyo ebomini bakho, luhlobo luni lweempahla onalo, kwaye ziziphi iinjongo zakho kunye nexanduva lakho elide. Yingakho kubalulekile ukuthatha ixesha lokuxoxa ngento oyifunayo yinshurensi nommeleli wakho. Ukufumana iimveliso ze-inshorensi elungileyo yakha inxalenye efanelekileyo yesicwangciso esinamandla sezimali esiza kukukhusela kwaye ikuncede uhlale uzimeleyo ngokwezezimali nangona ulahlekelwe yimali.