Yintoni na kwaye isebenza njani?
Yintoni ifomu ye-inshuwalense yezempilo?
Ifom ye-inshurensi ye-inshurensi yempilo iya kuba neenkcukacha malunga nesicelo sakho sokuyeka ukufikelela kwisicwangciso se-inshorensi yezempilo esinikwe yona. Ifom ye-inshurensi ye-inshurensi yezempilo iya kubandakanya ukuvakalisa kwakho ukuba unikezelwe isicwangciso, nangona kunjalo, ukhethe ukulahla inkonzo yomshuwalense wezempilo. Ngokuxhomekeke kwintlangano okanye isizathu sesicelo sakho sokususwa kwe-inshorensi yempilo, unokufuneka ukuba unikezele ubungqina isizathu sokuba unqwenela ukukhupha iinshurensi zezempilo. Oku kukukhusela kwintlangano, inkampani okanye isikolo esikunika isicwangciso. Basenokufuna ukuqinisekisa ukuba unempilo yomshuwalense okwaneleyo kwenye indawo ngaphambi kokuvuma isicelo sakho sokususwa kwe-inshurensi yezempilo. I-inshorensi yempilo yomshuwalense ingafuneka isayinwe rhoqo ngonyaka, kwaye xa kwenzeka ukuba imeko yakho iyatshintsha, ingaba yinxalenye yesivumelwano sakho sokuba ucebise umboneleli wakho wecebo.
Ukuxhaswa kwezonyango: Ngaba ingcinga efanelekileyo?
Kukho izizathu ezininzi ongenza isigqibo sokuba ufuna ukukhupha i-inshorensi yakho yezempilo, kodwa ngaphambi kokuba uyenze, kukusoloko kulungile ukuba ukhangele kwiingenelo zokunxibelelana ezimbini okanye ukulungelelaniswa kwezibonelelo . Ngamanye amaxesha kunokuba luncedo kakhulu ukusebenzisa izicwangciso ezininzi ukuba uninzi lweendleko zonyango okanye iimfuno ezithile.
Njalo hlalutya zonke iinketho zakho. Makhe sijonge imizekelo yexesha xa ufuna ukucela ukukhutshwa:
Imizekelo Yokuba Ufuna Ukucela I-Insurance Insurance Waiver
- Xa isicwangciso se-inshurensi yempilo yakho yomqeshi okanye isicwangciso senkonzo ye-inshurensi yempilo ayimfuneko ngenxa yokuba sele usenomshuwalense ngokusebenzisa esinye isicwangciso. Ngokomzekelo, ukuba iqabane lakho linesicwangciso se-inshorensi yezempilo esele ikukufuphi, unokucela i-insurer ye-inshorensi yezempilo ngenxa yokuba awuyidingi isikolo sakho okanye umqeshi ekunikezela ukususela ekubeni sele uqinisekisiwe kwenye indawo.
- Ukuba unethuba lokufumana i-inshorensi yempilo engcono kwenye indawo, mhlawumbi ngokusebenzisa ipulani ethengwe ngabanye okanye ngelungu lentsapho. Unokufuneka ukuba ubonise ubungqina bomshuwalense.
- Ukuba uvumelekile kwisicwangciso esichaphazelekayo kuMgangatho oPhambili (uMEC). UNgqongqoshe nayiphi na isicwangciso se-inshurensi yempilo ehambelana nemfuno emncinci yomThetho wokuNakekelwa ongenakuncedo.
- Ukuba uhlanganiswe yiprogram ye-inshorensi yempilo yabantwana bakho
- Ukuba sele sele ugqitywe okanye uvumelekile kwiinkonzo ngeNkonzo yeeNkonzo zeMpilo yaseNdiya
- Ukuba unelungu lecawa lenkolo kunye nezichaso kwi-inshurensi
Iinshurensi zeeNtsholongwane zezeMpilo kunye neKholeji okanye iiNyulo zeNyuvesi yeMpilo ye-Intshumo
Nangona abaqeshi benganikeli i-inshorensi yezempilo njengokuba bebenjalo, iiyunivesithi zithatha amathuba enkonzo yomshuwalense we-inshorensi.
Abafundi ababhalise kwizicwangciso ze-inshorensi zempilo ezilinganayo okanye ezingcono kunokuba banikwe iikholejini okanye iyunivesithi banakho ukhetho lokukhupha i-inshurensi yezempilo ngokugcwalisa ifomu ye-inshurensi yezempilo kunye nokubonelela ubungqina benkxaso efana nenye indawo. Olu khetho oluqhelekileyo kubafundi kuba bahlala becetyiswa isicwangciso seentsapho, kwaye imali yokugcina imali yomshuwalense wezempilo inokufikelela kumawaka eedola ngonyaka.
Iinshurensi zeMpilo Yomshuwalense Ngomqeshi Wakho
Ngenxa yezihlandlo zoqoqosho ezinzima, iinkampani ezininzi zinciphisa i-inshorensi yezempilo okanye ziwaphelisa ngokupheleleyo. Iinshurensi zempilo yomshuwalense yezempilo ezisetyenziselwa ukuba zithandwa phakathi kwabaqeshi bakhangele abasebenzi. Le yilapho iinkampani zanikeza inzuzo ye-inshorensi yezempilo ngaphandle kwabasebenzi babo.
Ngoku ukuba abaninzi abasebenzi bahlawula inxalenye yomshuwalense wabo wezempilo kwaye ukuba iinkampani zisesabelomali esincinci, i-inshorensi ye-inshorensi yonyango ayiqhelekanga.
Iindleko ze-inshorensi ze-inshorensi zonyango ngoku zibaxhaphaza abaqeshi ngaphezu kokuba zibe yinzuzo kumqeshwa.
Ingaba yinshorensi yezempilo yintoni inzuzo?
Ezinye iikhampani, ngokuqhelekileyo abaqeshi baseburhulumenteni basekhaya, banikezela ukuxhatshazwa kwezonyango njengenxalenye yeenzuzo zomsebenzi. Ukuba umqeshwa ukhetha ukukhishwa kwonyango bangayifumana inkokhelo yonyaka eyongezelelweyo eyayiza kuba yipesenti yenkampani ehlawulela i-inshorensi yomsebenzi we-inshurensi. Ezinye zeentlawulo ezikhutshwayo zonyango ziphezulu njenge $ 7,000 ngonyaka.
Ukuxhaswa kweNtsholongwane yezeMpilo okanye yeNtsholongwane evela kuMqeshi wakho
Izicwangciso ze-inshorensi zempilo-mali ezixhaswe ngumqeshi zingaba yinzuzo ebalulekileyo kubasebenzi, ingakumbi xa umqeshi ehlawulela inxalenye okanye yonke inshorensi yezempilo. Nangona kunjalo, kukho amaxesha apho umntu angasidingi isicwangciso sonyango evela kumqeshi wabo, umzekelo, kumqeshwa ohlala kwindlu esele isicwangciso sokugubungela intsapho. Kule meko, isicwangciso se-inshurensi enye inokuba yinto efunekayo.
Ukusayina iMpilo ye-inshurensi yempilo njengesiCwangciso sokuSindisa imali okanye ukufumana iNgeniso
I-inshurensi yempilo yomshuwalense ngamanye amaxesha ibhekwa njengenzuzo yomqeshwa ngenxa yokuba i-inshorensi yokukhwela, abanye abaqashi baye bazinikela ukuhlawula umqeshwa ngenani lemali yexabiso le-inshorensi. Ngelishwa, ngenxa yobutyebi abaninzi abaqeshi abanikezeli abasebenzi babo bentlawulo ye-inshorensi ehlawulwa ngokupheleleyo, ngoko ukuthandwa kwalolu hlobo lwenzuzo yomqeshwa okanye i-perk aluqhelekanga njengokuba kwakunjalo xa uqoqosho lomelele kwaye abaqeshi banikezela iintlawulo ze-inshorensi yezempilo. "mahhala." Ukubhalisa i-inshurensi ye-inshurensi yempilo ayinakubonelela nayiphi na inzuzo malunga neenzuzo zakho zabasebenzi ngendlela yomvuzo "ukwanda" kwakhona kuba abaqeshi abaninzi abahlawuli iinshurensi zempilo zabo zezempilo njengokuba babedla. Ukuxoshwa kunokuba kunokunciphisa iindleko zokuncitshiswa kwi-inshorensi yakho kwi-inshurensi yakho kuba uya kuguqulwa phantsi kwesicwangciso esinye kwaye ungahlawulanga kwisicwangciso somqeshi.
Umzekelo: UJim noTina bobabini basebenza. UJim ukhetha i-inshurensi yempilo yomshuwalense emsebenzini wakhe kuba uhlanganiswe phantsi kweprogram yomshuwalense wempilo yonyango kaTina. Ngenzuzo, umqeshi wamnika i-$ 3,000 eyongezelelweyo ngonyaka. Kwakhona Uyaziwa njengokuphuma , buyisela
Kuthekani ukuba uyasasaza i-inshorensi yempilo kodwa utshintsho lweemeko zakho, ngaba ungabhalisa?
Yonke imigaqo-nkqubo ye-inshorensi yempilo eyahlukileyo, ngoko ke kufuneka uhlolisise umlawuli wakho wecebo ukuze ufumane ukuba uyashiya i-inshorensi yezempilo, ukuba unokwenza isicelo kwakhona okanye ungeze kwicebo lesibonelelo seqela ukuba imeko yakho iyatshintsha.
Ngaphambi kokuba usayine inshuwalense yezempilo yomshuwalense, qiniseka ukuba uyaqonda ngokupheleleyo imiphumo yokuphuma kwakho
Funda ngokucophelela ukuyeka ukuqinisekisile ukuba uyayiqonda into oyisayinelayo. I-inshorensi yempilo yomshuwalense isetyenziswa kakhulu kumntu osayinayo ukuxhaswa kunye nabaxhomekeke kubo, awukwazi ukukhetha nokukhetha ngubani oza kugutywa okanye okhutshwe. Nika ingqwalasela ethile nawaphi na amagatya anxulumene notshintsho lweemeko, njengokuba usana, okanye ukuba iqabane lakho litshintsha umsebenzi, okanye usapho lwakho luya kutshintshwa ngokungalindelekanga.
I-insurer yakho yempilo yomshuwalense ingabandakanya isigatya, umzekelo, ukuba imeko yentsapho yakho iyatshintsha, ufumana iwindi yeentsuku ezingama-30 ukubhalisa ngenxa yokutshintsha kweemeko.
Imizekelo yeenguqu kwiNgxowa-mali echaphazela i-Intshurensi yezeMpilo kunye neeNyulo
- Ukukhulelwa, Ukwamukelwa okanye ukuzalwa
- Utshintsho lomlingane okanye inzuzo yomqeshwa
- Ukufa komntu oxhomekeke kuye okanye umlingane
- Umtshato, ukwahlukana ngokomthetho okanye umtshato
- Ukufumana okanye ukulahleka kwengqesho okanye ukulahlekelwa kwemfanelo yokufumana inkxaso ngenxa yokunciphisa iiyure okanye ukushiya ukungabikho okanye ukulahlwa
Qaphela: Ukunyaniseka koMgangatho weMpilo kunokuthintela ukulungelelaniswa kweziCwangciso phantsi koMthetho wokuNakekelwa kwezeMpilo ongenakunciphisa
Ukufumana izibonelelo zononophelo lwezempilo kunokukwenza ukuba ungenakufanelekela ukunakekelwa kwezempilo ngoncediso phantsi kweMpilo yoNonophelo lwezeMpilo.
Ukwenza isigqibo esichaziweyo ngaphambi kokuba ube ne-Insurance Insurance
Isigqibo sokukhupha izibonelelo zoncedo zempilo kumqeshi okanye enye inhlangano ibalulekileyo. Ufuna ukuqinisekisa ukuba ukhusela iimfuno zakho ezilungileyo kwaye uhlalutye zonke iinketho zakho ze-inshorensi ukuba ukhethe ukugqwesa okulungileyo. Qinisekisa kwaye ubuyekeze iinkcukacha ezithile malunga nendlela isicwangciso sakho senzuzo esixhaswe ngumqeshi esiza kukugubungela ngayo, ingaba ingaba yindleko kwaye yintoni inzuzo ukuba kukho nawuphi na ongayifumana xa usayina i-inshuwalense yezempilo ngaphambi kokuba ushiye ilungelo lakho kwisicwangciso se-inshurensi yezempilo. Isebe lakho le-HR okanye isebe leenkonzo zabafundi okanye umlawuli weziko lempilo liya kuba yindawo efanelekileyo yokucacisa indleko kunye neenzuzo kuwe.