Yintoni eyenza enye Inkampani Yomshurensi Eyona Ixabiso Elinye Kunomnye?

by Mila Araujo

Izinto ezi-5 zokujonga xa Usebenzisa Intengiso ye-Inshorensi

Emva kweembonakalo kwihlabathi le-inshorensi, kukho into eninzi eqhubekayo nomgaqo-nkqubo wethu we-inshorensi kunokuba siyiqonda. Xa uzama ukwenza intengiso yexabiso lomshuwalense kukunceda ukuba ube neengcebiso malunga nokufumana ukuhluka. Siva malunga nalo lonke ixesha, umntu omnye obonakala enayo yonke impawu efanayo nawe, uhlobo olufanayo lwemoto, uhlobo olufanayo lwekhaya, ukuhlawula ngaphantsi (okanye ngaphezulu) kwi-inshurensi. Oku kunokukwenza ukuba uzibuze ukuba, ukuba zonke izinto zifana, yintoni eyenza inkampani yomshuwalense yabiza kakhulu kunomnye?

Izinto ezi-5 ezenza enye i-inshurensi nkampani ininzi kakhulu kuneyona enye

01 Ukunciphisa ixabiso le-inshurensi eneeAkhaphu kunye nokulungisa iimpazamo

Ucinga ukuba xa ubhalisela umgaqo-nkqubo we-inshorensi zonke izaphulelo ezikhoyo zinokunyamekelwa kwaye zifakwe ngokufanelekileyo kumgaqo-nkqubo wakho, kodwa ngamanye amaxesha kukho izaphulelo zokuba uvumelekile ukuba ungafaki isicelo ngenxa yokuba ukufaneleka kwakho ku cacile.

Iimiselo zeRhafu zeVary kunye neNkampani nganye ye-inshurensi

Inkampani nganye ye-inshurensi inezaphulelo ezahlukileyo. Xa enye inkampani inokunika isaphulelo sepesenti ezili-10 ngokungabi namabango, omnye unokunika iipesenti ezingama-30. Okomnye, umzekelo, apho inkampani enye inokunika izibhengezo zamahhala ngaphandle kweemali emva kweminyaka emithathu nge-inshurensi yasekhaya, enye inokulinda kude kubekho 5. Akukho ndlela yokuba ukwazi ukuba yiziphi izaphulelo onokukwazi ukuzifumana (okanye ungazitholi) ngaphandle kokuba ubuza.

Omnye umzekelo: inkampani enye yinshurensi inokunika isaphulelo kwisiphakamiso sokubuyisela amanzi, esiyisixhobo esihle sokunceda ukukhusela ibango lokulimaza amanzi , kodwa enye inokuthi "ifake" isibonelelo sayo kwiirhafu. Xa usuka kwinkampani yenkampani yinshurensi kwenye, ukuba uthetha oku kulibalekile, ungaphuthelwa ukufumana isaphulelo esongezelelweyo sakho sokukhusela umonakalo wamanzi.

Enye inqaku elongezelelweyo kwizaphulelo: Njalo ngonyaka xa ii-actuaries ziphonononga ama-premium kunye nelahleko, i- underwriting ingatshintsha . Xa uhlala kunye nenkampani efanayo ngonyaka, umgaqo-nkqubo ungahlaziywa ngaphandle kwezaphulelo ezintsha okanye iikhredithi eziboniswe ukususela ekubeni umgaqo-nkqubo wakho ubhaliwe.

Iingcaciso ezilahlekileyo okanye iimpazamo kwi-Innsurance yakho Isicelo singakhulisa iindleko zakho

Ukuhlaziywa kolwazi lwakho unyaka ngamnye kunye nommeli wakho we-inshorensi unokuhlawula imali kuba kukho iimeko ezintsha eziza kukufumana ukufumana iziphulelo. Xa ubiza umntu ngesicatshulwa esitsha, bafumana lonke ulwazi olwangoku , ngelixa inkampani oye waba nayo iminyaka emininzi ingaphuthelwa into.

Iimpazamo Zabantu Zingakubiza Imali Yomshuwalense

Ngokuqhelekileyo umahluko phakathi kwexabiso lenkampani yomshuwalense kunye nomnye onokuba njani ummeli (okanye wena, kwimeko ye- inshorensi ye- intanethi ) ezaliswe ngcaciso.

Naluphi na ufumana isicatshulwa kwinkampani yomshuwalense qiniseka kwaye ubuyekeze ulwazi olusetyenziselwa ukufumana icatshulwa. Ngamanye amaxesha unokwazi ukubona indawo apho ingcaciso ingagqibekanga. Oku kungakwenza ube nelungelo lokufumana iirhafu ezikhethiweyo.

02 Intshurensi ngeMali yokuThengwa kweNgxowa-mali ingakugcina imali kwi-Intanethi yexabiso

Ezinye iinkampani ze-inshorensi zinokukunika ithuba lokusebenzisa amanqaku akho ekhredithi ukuze uncede ngexabiso le-inshorensi. Iinkampani ze-inshurensi zenza oku ngakumbi kuba izibalo zibonise ukuba abantu abaneenqaku ezifanelekileyo zemali-mboleko banamabango ambalwa. Xa abantu banamabango amancinci, banokuhlawula imali encinci yomshuwalense wabo.

Unokufunda okungakumbi malunga nenkampani yomshuwalense eya kukhangela ukuhla okanye ukunyusa amaxabiso ngenxa yokufakwa kwekhredithi kwinqaku lethu: Yintoni i-Insurance Credit Score okanye i-Insureability?

Ukuba unomvuzo omhle wekhredithi kunye nomlando we-inshurensi enhle, ukufumana isicatshulwa kwiinkampani ezisebenzisa i-inshorensi yemali yesikhorensi kunokukwenza ukuba i-inshorensi yakho ibe yabiza kakhulu.

03 Umgaqo-nkqubo weNtshurensi Intengo yokuthelekiswa: Okukhethwa kukho kokuPhumela kunye nePerks

Iiinkampani zomshuwalense zihlala zifumana amanqanaba amanqaku okunika inkxaso kubaxhasi babo. Ukubuza imibuzo engundoqo malunga neendlela ozikhethayo kunokuthi uchaze ukuba kutheni umgaqo omnye ungabiza ngakumbi kunomnye.

Qinisekisa ukuba Uyazibuza Ngale miqulu kunye nemida:

Deductibles
Isiseko seMimiselo yokuTyala ( ixabiso langempela leeCash kunye neNdleko yokuTshintshisa )
Ezingabikho
Imida ekhethekileyo ye-Inshorensi
Ziziphi iingozi ezifihliweyo (Iiphulile ezivulekileyo kunye neePeri ezibizwa)
Inkokhelo enkulu yemfanelo enayo

Ezinye iinkampani ze-inshorensi nazo zinikela ngempahla eyahlukeneyo okanye inzuzo. Intengo yabo ingaba phezulu kodwa ke iingeniso ozifumana kuzo zingafanelekile.

Ingaba Umgaqo-nkqubo Womshuwalense unayo iipkski ezibandakanyiweyo?

Ezinye iinkampani ze-inshorensi zingabandakanya i-perks njenge:

Ukhokelo lendlela
Ukwabiwa kwebabi
Umgangatho wezilwanyana
Uncedo lwezomthetho

Qinisekisa ukuba iziganeko ezifunyanwayo kunye nomgaqo-nkqubo zichazwe kuwe ukuze unqume ukuba unoyolo malunga neengxaki, okanye ungathanda ukuthatha umgaqo-nkqubo ngaphandle kwabo.

04 Ukuthelekisa Ixabiso Lakho Ngokudibanisa Iinkqubo Zomshuwalense

Wonke umntu uye weva malunga nokubeka i-inshurensi yakho yasekhaya kunye nemoto kunye nenkampani enye inokusindisa imali, kodwa inzuzo yokudibanisa ikhaya lakho kunye nemoto kwindawo enye kunokuba nje ufumane isaphulelo.

Xa inkampani yomshuwalense iqinisekisa imigaqo emininzi kuwe, okanye nakwiiqela zamalungu entsapho, kukho ithuba elikhulu lokuba ixabiso le- inshurensi yakho inokuthethwa ngayo .

Ubudlelwane buya kubakhokelela ekuxoxiseni amaxabiso angcono

Sivame ukucinga ukuba intengo yomshuwalense iyinto elula njengoko intlawulo esiyifumana kwi-quote ye-intanethi, kwaye ingaba. Nangona kunjalo, ukuba unalo ubudlelwane kunye ne-arhente yakho okanye umthengisi we-inshurensi, banokukhangela umfanekiso omkhulu, njengokuba:

ubude ube nekampani yomshuwalense kangakanani na?
zingaphi iipolisi onayo nazo
bangaphi abantu oye wabathumela

Baya kukwazi ukuya kuhlamba ukuze ufumane intengo ephantsi kwi-inshorensi yakho.

Enye inzuzo yokudibanisa i-inshorensi nkqubo kukuba ukuba uhamba kwiinkathazo okanye unenkinga enzima njengekhaya elingenamntu, okanye uqukumbele ngamabango amabini ngokukhawuleza, ngoko unxulumano olunamandla kunye nenkampani yomshuwalense ukuze ufumane ngaphezulu xa i-arhente okanye umthengisi uthetha ngegama lakho nge-inshurensi ephantsi.

Khangela ixabiso elidibeneyo leNkxaso yakho yomshuwalense xa uthelekisa i-Premium

Ekugqibeleni, xa udibanisa i- inshurensi yemoto kunye nenqubomgomo yomshuwalense wekhaya kunye nenkampani enye, unokwazi ukubheka intlawulo ohlawula ngayo yonke. Ngamanye amaxesha omnye umgaqo-nkqubo ungabiza ngekampani yomshuwalense, kodwa xa ukhangele ixabiso elidibeneyo le-inshorensi yakho, iphelile ukuba yinto engaphantsi kwendawo enye.

05 Inkampani yeNkampani yeNkampani ye-Intshurensi kunye neNqanaba leNkcitho

Inkokhelo ye- inshurensi yimalini inkampani yomshuwalense ekukuxela yona ngomgaqo-nkqubo wakho. Ukuba ukubhaliswa kwangaphantsi kunye ne-premium inkampani yomshuwarensi enye isetyenzisiweyo ayinakwanele ukufaka amabango abo ngokwaneleyo okanye baqala ukungabi nzuzo baza kulungelelanisa amaxabiso abo kunye namanani abe xabisa kakhulu.

Xa kukho ukwanda okuqhelekileyo phakathi kwazo zonke iinkampani zomshuwalense, iirhafu zinokunyuka zonke ngokufanayo, kodwa xa enye inkampani yomshuwalense ithola ukuba ayinakuhlawulisa i-premium eyaneleyo kwiminyaka emininzi, ngokukhawuleza banokunyusa amaxabiso ngaphezulu kunabanye.

Oku kuya kuchaza ukuba kutheni kubiza kakhulu kunezinye iinkampani ngokukhawuleza.

Xa kuthengwa kwe-Inshsti kukufumana i-Premium ephantsi

Ezinye iinkampani zomshuwalense ziya kunika izaphulelo kumgaqo omtsha. Bakwenza oku ukukhangela abathengi abatsha kwaye banokukunika inani eliphantsi kakhulu xa uguqulela kubo, kodwa intengo yabo ingatshintsha emva kokuba izaphulelo zepolisi entsha zinyamalale, okanye ukuba zifumanisa ukuba zifuna ukulungelelanisa iirhafu zazo. Kungaba ngcono ukuba uvumele inkampani yakho yenkampani yomshuwalense yangoku ukuba yazi ukuba ufuna ixabiso elingcono, kwaye banokuyinciphisa.

Indlela yokufumana ixabiso elincinci le-inshorensi

Ukufumana intengo ephantsi kwi-inshurensi yakho ingakhohlisa. Ukuba u-inshurensi kunye ne-agent emele enye inkampani yomshuwalense, ngoko uthengisa ngeyona ndlela yodwa yokufumana ukuba uhlawula intlawulo efanelekileyo kwi-inshorensi yakho ngoba i-agent agent ayinakho ukufikelela kwezinye iimveliso ze-inshorensi ukukunika . Ukuba ujongana nomrhwebi okanye i-agent okwazi ukumela iinkampani ezininzi ze-inshurensi ngoko unokukwazi ukuthenga ezinye izinto zithengise kwaye uthethe intengo ephantsi. Uchitha imali eninzi kwi-inshurensi, ngoko kufuneka uthengise ngeenxa zonke, kwaye ukhangele iirhafu zakho ngeengcebiso ezi-5 ngaphaya kokuba uhlawule kakhulu inkokhelo yakho.