Zonke iinkcukacha ezigqityiweyo kumagatya amabini ovavanyo lwe-inshorensi yobomi bonyango, kunye neenkcukacha zenkcazelo yomshuwalense wentsholongwane zisetyenziselwa ukuchonga ukuba uya kwamkelwa kwi-inshorensi yobomi bakho okanye cha, kwaye yintoni i-premium yonyaka iya kuba.
A
Amagatya amabini we-Life Insurance Medical Exam
Uvavanyo lwezonyango lwe- inshorensi yobomi luya kubandakanya iindawo ezimbini:
- I-questionnaire yomlomo apho uchwepheshe wezobugqirha uza kukucela uluhlu lwemibuzo
- Iqoqo yesampula kunye nesisiseko. Ngethuba lokuhlolwa kwe-inshorensi yonyango unokufuneka ukuba unike isampuli yomlambo kunye / okanye igazi. Ezi mvavanyo zilula ngokwaneleyo ukuba ziyakwenziwa rhoqo ekhaya lakho. Kufuneka uxelelwe kwangaphambili nge-inshurensi yakho yomshuwalense okanye umthengisi oza kuyenza.
Apho Unokufumana I-Assurance Medical Medical Exam
Kwiimeko ezininzi, akudingeki ukuba uye esibhedlele okanye kwiziko lezonyango kwi-inshorensi yobomi bomshuwalense. I-inshorensi yobomi bonyango yonyango ihlala iqhutyelwa ekhaya. Iingcali zonyango eza kuza kwaye zenze iimvavanyo ziya kuzisa ikiti kunye nabo ukuqokelela iisampuli ezivela kuwe.
Ixesha elide loVavanyo lweeNtsholongwane zonyango
Kuthatha malunga nemizuzu engama-20 ukuphonononga ngokugqithiseleyo imbali yakho yezonyango ngomlomo kunye nommeli oya kuza kuhlola.
Emva koko kuthatha imizuzu embalwa ukuthatha iisampuli.
Kutheni Ubomi beeNkampani zoNyunimshuwalense zifuna i-Medical Exam
Kukho izizathu zontathu zokuba iinkampani zomshuwalense zomshuwalense zilawula ukuhlolwa kwezonyango
- Ukuqinisekisa ubungqina bokungeniswa kwangaphambili kwinkampani kwisicelo sakho se-inshorensi yobomi
- Ukuthatha imbali epheleleyo yonyango yomfaki sicelo. Imibuzo kwi-inshorensi yobomi bomshuwalense yonyango iya kwiinkcukacha zonyango yakho kunye namalungu entsapho. Ukuba inkampani inquma ukuba unokufa ekuqaleni, baya kufuna ukufumana iiprayimari eziphezulu ekuqaleni; ukuba bazive ukuba uya kuhlala ixesha elide abengafuneki ukuba baqokelele kakhulu kuwe kwinxalenye yokuqala yobomi bakho kuba banokugqiba ukuba uya kuhamba ixesha elide ukuze uqhubeke nokwenza iintlawulo ze-premium.
- Ukuchonga naziphi na izifo zonyango. Izimo zonyango ezifana nesifo sikashukela, ukungahambelani emsebenzini wegazi, okanye i-HIV apho umfaki-sicelo angenakukwazi okanye angazange abike. Kwakhona ukuqinisekisa ukusetyenziswa kweziyobisi okanye iicotine. Ulwazi oluvela kwiimvavanyo zonyango luya kufaniswa ngokumalunga neziphumo zokuhlola zesampula.
Ziziphi iinkampani ze-inshorensi zobomi zisebenzise ukuhlola indlela umntu oza kuhlala ngayo ixesha elide
Iikhathi zephalamende zithatha inani lokufa kwabantu kwaye zisetyenziselwa iinkampani zomshuwalense wobomi. Iikhathi zephalamende zinika inkampani yenkampani yomshuwalense ngolwazi lwamanani malunga namaninzi amadoda, amabhinqa kunye nabantwana abafa ngexesha elide. Le ngcaciso inokukunceda inkampani yomshuwalense ukuba ibeke ingozi yokuba ithatha. Ngokomzekelo, ityati ephila ixesha elide ibonisa ukuba amadoda aneminyaka engama-29 aya kufa ngokuphindaphindiweyo kunabesetyhini abaneminyaka engama-29 ubudala, ukusuka kule nkcazo yenkampani yomshuwalense yayiza kuba yingozi enkulu ngokufaka indoda kumfazi.
Iintlobo Zemibuzo Ebuzwe Ngethuba leMpilo yoNyango ka-Intshumo
- Imbali yakho yezokwelapha kuquka naluphina i-hospitalizations, unyango, iinkqubo oye wazifumana, okanye iimeko. Uya kubuzwa uchungechunge lwemibuzo ukuqinisekisa ukuba awuzange ulibale ukuthetha nantoni na ukunika ithuba lokutyhila imbali yakho epheleleyo.
- Imbali yonyango lwentsapho yakho
- Igama, idilesi, inombolo yefowuni yakho ugqirha oyintloko kunye nawaphi na oogqirha oye watyelela kwiminyaka embalwa edlulileyo ukulungiselela iingcali ezikhethekileyo okanye imeko zonyango. Zonke ezi nkcukacha zoqhagamshelwano zihamba kakuhle.
- Imikhwa yokuphila njengokutshaya, ukusela, ukusetyenziswa kweziyobisi kunye nokuzilolonga
- Ingakanani inshorensi yobomi onomdla ekuthengeni
- Ukuba unobandezeleka kuyo nayiphi na imeko efana noxinzelelo okanye uxhalaba kwaye ukuba ubanjwe esibhedlele nayiphi na imeko otshoyo.
Iinkqubo zokulindela ngexesha lovavanyo lweeNtsholongwane
- Ukulinganisa ubunzima bakho nokuphakama
- Ukulinganiswa kwengcinezelo yegazi kunye ne-pulse
- Umsebenzi wegazi (ukujonga izinto ezifana ne-cholesterol, i-glucose, iprotheni kunye ne-HIV)
- Urinalysis (ukujonga izinto ezifana ne-HIV, iprotheni, i-glucose, i-creinine kunye ne-cocaine)
Yintoni eyenzekayo emva kweMpilo yoNyango kaNtsholongwane
Emva kokuba ufunde unyango lwekampani yakho ye-inshorensi iya kuhlolisisa iziphumo ukuchonga ukuba ngaba ungeke uqiniseke kwaye yiyiphi i-premium abaya kukuhlawula ngayo.
Kuthatha ixesha elide ukufumana iziphumo ze-Life Insurance Medical Exam
Ixesha lokuzalisa ngokupheleleyo le nkcazelo linga kuthatha iinyanga ezimbalwa.
Xa Ubungqina Bomshuwalense Wobomi Buqala Emva Kovavanyo Lwezonyango
Ngokuxhomekeke kwenkampani yomshuwalense, ukuqala kokubhengezwa kungahluka, inkampani nganye ye-inshorensi isebenza ngemithetho eyahlukileyo. Nangona kunjalo, iinkampani ezininzi ze-inshorensi zempilo zingaqala ukuqwalasela ukususela xa usayina isicelo sokuqala se-inshorensi. Kule meko, ukuba zonke iinkcukacha zivavanya kwisicelo sakho sokuqala kunye nolwazi oluqokelelwe ngexesha loviwo, ngoko uya kuba ngumshuwalense ngexesha eliya kuthatha ukufumana zonke iziphumo.
Ukuba uhlawule i-premium yakho ye-inshurensi ngexesha owenza isicelo sakho senkonzo yomshuwalense ngoko-ke unokuqala ngomhla wokufaka isicelo somgaqo-nkqubo owenzelwe yonke into ihlola, njengoko ichaziwe ngasentla. Ukuba awuzange uhlawule i-premium xa ufaka isicelo, ngoko unakho uhlobo lomgaqo-nkqubo apho ukuqala kokuqala kubakho emva kokuba wamkelwe.
Igosa lakho le-inshorensi yomntu ngumntu ongcono kakhulu ukuqinisekisile le ngcaciso kuwe kwaye ngokuqhelekileyo uya kuchaza oku kuwe xa usebenzisa. Gcina ukhumbule ukuba imigaqo-nkqubo ye-inshorensi yobomi iqulethe icandelo lokubakhombisa ukunyanzeliswa elivumela ukuba bayayiphika inzuzo ye-inshorensi yobomi ngezizathu ezininzi kwiminyaka emibili yokuqala yomgaqo-nkqubo, qinisekisa ukuba uyaqonda imiqathango yakho yokujonga kwaye ngelixa ulinde ukuqinisekiswa kwakho ukuba nkqubo ikhishwe.
Yintoni eyenzekayo Ukuba Usilela i-Assurance Medical Medical Exam
Ukuba ulwazi olufakile kwisicelo sokuqala aluhambelani nolwazi oluqokelelwe ngexesha lovavanyo lwakho lwezonyango, ngoko unokwenyanwa ukukhutshwa, okanye unokufumana isicelo sokongezwa okongeziweyo. Qaphela ukuba umgaqo-nkqubo wakho we-inshorensi yobomi ayinakusebenza ngenxa yenguqu yeemeko.
Ukuba awuphumelelanga ukuhlolwa kwezonyango okanye uvavanye into ekuhlolweni kwezokwelapha kwakungalungile uya kufuna ukucela inkampani yomshuwalense ukuba ithumele ikopi yeziphumo zovavanyo lwakho lwezonyango kuwe okanye ugqirha wakho. Ngaloo ndlela ukuba awuphumelelanga ngenxa yokuba unengxaki yempilo unokukwazi ukujongana noogqirha wakho, kodwa ukuba uyiphumelele ngenxa yephutha likhampani yomshuwalense wena kunye nogqirha wakho unokulungisa imeko ngokukhawuleza ukuba iziphumo zakho eziphosakeleyo aziyi kuhlala kwimpilo yakho. irekhodi kwaye yenza ukuba unqatshelwe ngenxa yenye inshurensi.
Ukuba Uyafa Ngaphambi kokuba Iziphumo Zeemviwo Zonyango Zikho
Oku kumiselwa kwimeko ngetyala, kodwa njengomgaqo-jikelele ukuba ngaba uya kwamkelwa kwaye ixesha lepolisi liqala ngexesha lokufaka isicelo, ke kukho ithuba elifanelekileyo lokuba umxhamli uya kufumana intlawulo. Nangona kunjalo, ukuba ngaba unqatshelwe ngenxa yeso nasiphi na isizathu, ngoko umgaqo-nkqubo wawungeke uthathelwe ingqalelo kwaye ke umzuzi wakho akayi kuhlawulwa.
Ukuba kukho igatya elisendaweni efana nelelo lokuzibulala , umzekelo, okanye nayiphi na igatya elingabandakanyi ukukhutshwa kwesizathu sokufa, ngoko umgaqo-nkqubo awuyi kuhlawula. Le ngenye yezihloko eziza kuxoxisana nommeli wakho womshuwalense wobomi ukuze uqiniseke ukuba uyayiqonda imigaqo ethile yomgaqo oyifake isicelo. Yonke inkampani ye-inshorensi yempilo ineemigomo kunye nemeko yazo, kunye nomhla osebenzayo.
Inkampani yeNkampani Yomshuwalense Eyodwa Inyathelo Xa Uhluleka Ukuhlolwa Kwezonyango
Ukuba awuphumelelanga ukuhlolwa kwe-inshorensi yonyango kwaye unqatshelwe ukubhala, kufuneka uqhagamshelane nomthengisi womshuwalense wobomi onokufikelela kwiindidi ze-inshorensi yobomi bomshuwalense kunye nenkampani. Umthengisi angakwazi ukukufumanisa.
Kufuneka uqaphele ukuba umqeshi wakho unokukunika umgaqo-nkqubo. Ngokuqhelekileyo i-inshorensi yobomi bentsholongwane yobomi bomshuwalense awunayo iimviwo zonyango. Kungenxa yokuba enye inkampani yomshuwalense wezempilo iyanqabela ukukuqinisekisa, akuthethi ukuba bonke baya. Fumana zonke iinkcukacha kwi-inshorensi yobomi bomshuwalense okanye uqhagamshelane neofisi yakho yomshuwalense wee-inshurensi yomhlaba ukuze ufumane inkcazelo engakumbi yokufumana ipolisi yomshuwalense wobomi.