Ngamanye amaxesha abantu benza impazamo yokuba bathi yinshurensi yabo yokuqala ngenxa yokuba bengaboni ukubaluleka kokubonisa ukuba babene-inshorensi ngaphambili. Ukubonakalisa imbali yakho yomshuwalense kubalulekile. Incwadi yamava, okanye iNcwadi yamaBango oBango angakunceda ukuba ubonise imbali yakho yomshuwalense xa ufuna i-inshorensi entsha ngokusebenzisa inkampani entsha okanye xa ushukuthela ezweni elitsha. Nazi ezinye iincwadi ezibuzwa rhoqo malunga neleta yamava kwaye xa kuluvo oluhle lokufumana enye imali yokugcina imali kwi- inshorensi yakho .
Yintoni Incwadi Yolwazi Lwe-inshurensi?
Inkcazo yeNcwadana yamava e-inshurensi, eyaziwa ngokuba yi- Incwadi ye-Intshumo ye-inshurensi okanye i-Intshi zamabango e-Intsumpa Ileta yincwadi ebhalwe yinkampani yinshuwalense eye ikuqinisekisile, ichaza ukuba irekhodi lakho linani kunye ne-insured. Incwadi yamava ngokuqhelekileyo iyaqatshelwa ngamanye iinkampani zomshuwalense njengencwadi ebhekiselelwe ekumiseni amava akho amabango kunye nokuba ugcine ixesha elingakanani u-inshuwalense.
Le ileta yamava yindlela yakho yangaphambili yenkampani ye-inshurensi yokufumana "i-vouching" yakho kwiinkampani zomshuwalense ezintsha ezingazi. Ukuba neleta yamava kunokukunika izaphulelo kwiirekhodi zamahhala zamabango, okanye iirekhodi zokuqhuba kakuhle kwezinye iimeko apho ezinye iindlela zokuqinisekisa imbali yakho yomshuwalense ayinakwenzeka.
Ziziphi iinkcukacha ezifakwe kwiNcwadi yamava?
Incwadi yamava iya kuba nolwazi lulandelayo lulandelayo:
- Iinkcukacha zento ekhuselekile ngayo, umzekelo, ukuba uqinisekisele ikhaya, liza kuthetha idilesi yengozi "engozi". Kwi-inshurensi yemoto, inokuthi isho imoto kunye nenombolo yecala.
- Ngubani obizwa ngokuba ngu-insured. Ngokomzekelo, liya kubhala umntu ogama lakhe lingumgaqo-nkqubo womshuwalense, oqhelekileyo ungumnikazi obhalisiweyo wepropati okanye imoto. Kwiimeko apho kukho ezinye iindidi ezibizwa ngokuba yi-insureds, njengomzekelo kwintanethi yomshuwalense kunye nabaqhubi abaninzi, kunokubandakanya nabo. Ukuba umgaqo-nkqubo wekhaya wawuquka owongezelelweyo ogqityiweyo okhuselekile kwizigatshana ezikhethekileyo, unokucela i-ileta yamava nabo.
- Umgca wenkampani yenkampani yomshuwalense ekuqinisekisele yona, ngoko ngokuqhelekileyo kuya kuba nomhla wokuqalisa kunye nomhla we-inshurensi.
- Nawaphi na amabango ahlawulwa ngexesha le-inshorensi eneenkcukacha zezizathu zamabango, kwaye ingahlawulwa malini. Ukuba kwakungekho namabango, kufuneka kuthi "akukho mabango ahlawulwe ngeli xesha". Ukuba kukho amabango abaqhubi abahlukeneyo, kufuneka bathethe ulwazi ngomqhubi ngamnye. Unokuthi ucele ileta yamabango amava ngomntu ngamnye.
- Ingaba ingafaka ulwazi malunga nokuba kutheni umgaqo-nkqubo wakho uphele. Ukuba bekuye kwahluthwa ngokungabikho kwentlawulo , okanye ukuba unetyala ngemali yee-premiums zakho, oku kungabonisa.
Inkampani nganye yomshuwalense ineendlela ezahlukeneyo zokuzalisa ulwazi, kodwa ngokubanzi, iziseko zizinto ezibhalwe ngasentla.
Ngubani ofuna iNcwadi yamava?
Esona sizathu esivakalayo abantu badinga ileta yamava kukuba:
- bashukuthela kwilizwe elitsha
- bekungenaye i-inshorensi ngexesha elithile ngezizathu ezahlukeneyo
- kufuneka ukubonakalisa amabango kwirekhodi
- umntu akayena owona mgaqo-mali owona mgaqo-nkqubo we-inshorensi (njengabantwana, abafundi beekholeji, abahlala nabo, abaqabane abasanda kutshatyalaliswa) -baye bafumana i-insured kwenye indawo, kungekhona njengenqobo.
Kutheni Ufumana I-Letter Experience Experience?
Kwi-inshurensi, i-inshurensi yokuqala ibonakala ingengozini kuba akukho mntu unayo amava kunye nawe "njenge-insured".
Ngokomzekelo, yikho kutheni unama-inshurensi e-inshurensi ngaphambi kokuba uthenge i-inshurensi yokuqala yekhaya ingakusindisa imali ixesha elide.
Xa unokubonisa ubungqina bembali yokhuseleko, ibonisa imbali yakho yamabango kunye nendlela "usetyenzise" ngayo iinshurensi yakho. Amaninzi amancinci amancinci angenza abancinci bahlole iifayile zakho ngokungafaniyo, kwaye ekuboneni ukuba awunakho amabango ngokuqhelekileyo unokukufumana kwisaphulelo.
Ngaba zonke iiNkampani zeNkampani zeNkampani zomshuwalense zifuna iNcwadi yeva
Zonke iinkampani zomshuwalense azidingi ileta yamava. Ukuba awuqinisekanga, cela inkampani yakho ukuba kukho ileta yamabango amava okanye umlando womshuwalense uza kunceda. Kuqhelekileyo kwiimeko apho abantu bazibeka khona okanye xa abantu befudukela kwilizwe elitsha apho iinkampani zomshuwalense azikwazi ukufikelela kwiirekhodi zomshuwalense yaseMerika.
NdineNcwadana yamava, kodwa akenzanga nto "
Ngokuxhomekeke kwindlela inkampani yakho yomshuwalense inquma ngayo intengo, ulwazi lwakho kwileta yamava lunakho okanye lungakunikeli isaphulelo okulindele. Umzekelo omhle kukuba ucela ileta yamava kwaye ibonisa ukuba uqinisekisiwe kwiinyanga ezili-18 ngokuma kakuhle. Izandi ezilungileyo? Ngelishwa, nangona kuya kukunceda ufumane izaphulelo ngokukhawuleza, ukuba inkampani yomshuwalense oziqinisekisa wena kuphela unikezela isaphulelo semali-ntlawulo emva kweminyaka emi-3, ngoko ungeke ufumane i-credit enye ngomnyaka nesiqingatha. Funda ngakumbi apha malunga nento eyenza inkampani ye-inshorensi ixabiso elithile kunye nendlela yokufumana eyona nto ibhetele kuwe.
Indlela yokufumana iNcwadi yamava
Ukufumana ileta yamava kulula kakhulu. Konke okufuneka ukwenze ukuze ufumane ileta yamava kukucela inkampani yakho yomshuwalense.
Ukuba awuqinisekanga iminyaka emininzi, unokwazi ukubiza inkampani yakho yenkampani yomshuwalense yokugqibela kwaye ubacele ukuba bayithumele enye.