Indlela Ubuntu Bakho Ubunokukhusela ngayo
Wonke umntu uyazi ukuba izigwegwe kunye namagqwetha ahlawula imali eninzi, kwaye ukubandakanyeka kumgwebo kunokuhlawula yonke into. Inyuniti yemfanelo yomshuwalense ikukhusela ngeendlela ezi-3:
- Uxanduva lomntu lukhusela impahla yakho yangoku kunye nezayo. Kufumaneka nge-inshurensi yakho yasekhaya, i-inshurensi yomshuwalense okanye umgaqo-nkqubo womshuwalense we-inshurensi inokubonelela ngeendlela zokuzikhusela xa kwenzeka ukuba kwenziwe isenzo malunga nawe nokuba unoxanduva okanye cha. Kukunceda ukuba ugweme ukuhlawulwa kweemali zokukhusela ngokomthetho kwi-pocket yakho.
- Ubuxanduva bomntu siqu bungabonelela ngeendlela zokugweba ezinokuthi ungabhekana nazo ngenxa yengozi eyenzekayo, kubandakanya ukulimala komzimba kwipropati yakho, okanye kubangelwe nguwe.
- Ubuxanduva bomntu siqu bubonelela ngemisebenzi yakho kunye namalungu entsapho okanye indlu (njengoko ichazwe kwisivumelwano sakho se-inshurensi) ngenxa yezenzo zabo kunye nokukhutshwa kwendawo, ehlabathini lonke. Oku kubandakanya izingozi kunye nezinto ezinokuthi zenzeke ngenxa yokunganakwa kwakho.
Ngubani ofuna iIninshurensi yokuXhobisa Ubuntu?
Ngokukhawuleza ukuba uhlala wedwa kwaye uxanduva lwezenzo zakho, kufuneka uqikelele i-inshorensi yemfanelo yomntu. Iindleko ze-inshorensi yemfanelo eyimfuneko yobuntu zibandakanyiwe kumnini-mboleko, umninikhaya kunye nemigaqo-condo, kwaye isebenza kuphela kwiidola ezimbalwa ngenyanga.
Nangona ucinga ukuba awunanto yokulahlekelwa ngoku, i-asethi yakho yexesha elizayo nayo inobungozi ukuba uxanduva lokulimala okanye umonakalo wepropati. Awukwazi nje ukulahlekelwa yizinto ezikhoyo njengotyalo-mali, amakhaya kunye nezinye izinto ezifanelekileyo, kufuneka uqwalasele ukuba iimvuzo ezizayo ziyakuthi zilungiswe okanye ixabiso elizayo linokuchaphazeleka xa kungekho zikhoyo ezikhoyo!
Ukongezelela, kuthekani malunga nokuba usityholwa ngento ethile, kwaye unyanzelekile ukuba uye enkundleni nangona isityholo simanga? Ukubambisa iimbopheleleko kuya kuhlawula iindleko zokukhusela nokubonelela ngokusemthethweni.
Yintoni efihliweyo yiMfanelo yoBuntu kwiiNkxaso zeNkxaso-mali zaseKhaya?
Nalu uluhlu oluqhelekileyo lwezinto ezihlanganiswe nxalenye yemfanelo ye-inshurensi yokuhlala.
Njengoluhlu olusisiseko, uluhlu olugqwesileyo olubalaselisa into enokubandakanywa ngokubanzi (ngokwemiqathango yenkcazo kunye nezizathu ezingenakukufunda ngokuthe ngqo malunga nommeli wakho we-inshorensi):
- Ukulimala komntu
- Iindleko zoKhuseleko - Inkampani ye-inshorensi iya kubela igqwetha ukuba likukhusele kwaye lihlawule ezi ndleko.
- I-Fault yeNtlawulo yonyango kwabanye - indlela elula yokulungisa ibango lokulimala ngaphandle komgwebo
- Imeko apho ugcinwe khona uxanduva lomhlaba umonakalo kwabanye
- Iintlawulo zokuLawulwa kwePropati - Udala umonakalo kwipropati yomntu omnye kwaye unokuphepha ugwebe ngokusebenzisa le nxalenye yoxwebhu. Umzekelo obalaseleyo kukuba umthi wakho uwela kwintambo yabamelwane ngexesha loqhwithela obangela umonakalo , okanye ukuba abantwana bakho baphonsa ibhola yabo kumelwane bewindow kwaye bayiphule.
- Ukulimala okubangelwa ngabasebenzi bakho bokuhlala xa benzela egameni lakho njengenxalenye yemisebenzi yabo
- Ukulimala kwabangelwa ngabanye bendlu yakho, njengabantwana bakho.
- Imonakalo ebangelwa abanye ngezilwanyana ezifuywayo, njengenja yokubetha okanye ukutshatyalaliswa kwepropati
- Iimbopheleleko ezivela ekusebenziseni iinqwelo zegalufu (phantsi kwengcaciso yomgaqo-nkqubo.
Ngaba uxanduva lokuqhuba imoto ekhutshwe yiMfanelo yoBuntu?
Uxanduva lokushayela imoto okanye ukulimala okubangelwa nguwe xa uqhuba isithuthi ayifakwe phantsi komthwalo wemfanelo kwi-inshorensi yokuhlala yomshuwalense.
Uxanduva lokuqhuba imoto kufuneka lugqitywe ngumgaqo-nkqubo we-inshurensi yemoto. Ayibandakanyiyo kwi-inshorensi yemfanelo yobuntu eyimfanelo eyinikezelwa kwinshuwalense yakho yasekhaya okanye ipolisi yomshuwalense yokuhlala. Unokufunda ngakumbi malunga nezinto ezingakhange zifakwe kwicandelo lethu apha ngezantsi okanye qhagamshelana nommeleli wakho we-inshorensi ukuze ufumane ulwazi olupheleleyo malunga nemida yemigaqo ethile.
Ngaba Ndiyayifuna Ngempela Intshuwalense? Nazi ezinye iiNyaniso
Ubungakanani bamacala okugweba ubomi bethu bemihla ngemihla bunyuke ngokuphawulekayo kwiminyaka emininzi edlulileyo. Cinga ukuba ngokucutshungulwa kweBhunga leSizwe loKhuseleko (2013), umntu oyedwa kwaba-16, wafumana ukulimala okungenangqondo ekhaya elifuna uncedo kwizonyango.
Oku kunokubanjelwa njengenxalenye yomshuwalense wemfanelo kwiintlawulo zonyango kwabanye.
Qwalasela kwakhona, ngokusekelwe kwintlawulo ye-inshorensi yangempela , ngokutsho kweNkcazelo ye-inshurensi ye-inshurensi, malunga neyodwa kwi-15 ye-insured homes inebango ngamnye ngonyaka, kwaye malunga nomgaqo-nkqubo omnye wabantu abanamalungelo angama-1 abanamacala ebango.
Iingozi zamabango ezivela ekuxhomekeke kwiMfanelo Ziyinyaniso, kungakhathaliseki ukuba ziphi iimpahla zakho.
Ukukhutshwa kweeMfanelo mhlawumbi kukugqithiselwa kakhulu xa kuthengwa kwintengiso ye-inshorensi. Ekubeni i-coverage yemfanelo yomntu iza kunye nenqubomgomo ye-inshorensi yokuhlala yokuhlala njengenxalenye ye "ipakethe" yabantu, bathambekele ekugxininiseni ngakumbi kwixabiso lezakhiwo zabo, i-condo, okanye isiqulatho, kwaye bathathe inxaxheba yemfanelo.
Iyiphi indlela engcono kakhulu yokufumana i-Intshurensi yokuXanduva lomntu?
Ingabandakanywa njengenxalenye yenkqubo yomshuwalense wokuhlala:
- Umninimzi weNkxaso-mali
- Umqeshi okanye i- Renter Insurance
- Condo Insurance
Ngenjongo yale ngxoxo, siza kubhekisela kwimigaqo-nkqubo ekhankanywe ngasentla njenge-inshurensi yasekhaya.
Ubunjani Ubunzima Bakho Ubuntu?
Iindleko zincinci kuba iinkqubo zomshuwalense zendawo yokuhlala zisezantsi ixabiso labo kwixabiso eliqinisekisiwe kwisakhiwo okanye ixabiso eliqinisekisiwe lokuqukethwe. Ukuxhamla umthwalo inxalenye yepakethe.
Ubunjani Ubunzima Bakho Ubuntwarensi Ngaba Ndifanele Ndifumane?
Inkampani nganye ye-inshorensi iya kunika imida emiselweyo yemigaqo-nkqubo yomgaqo-nkqubo kwi-package ngokuqhelekileyo iqala kwi $ 100,000 e-United States kwaye ngokuqhelekileyo i-$ 500,000 ephantsi kweCanada.
Ukwandisa uxanduva lwakho kwiNtsholongwane yakho yomshuwalense
Ukuqwalasela iindleko eziphantsi zokubambisa iimbopheleleko, kufuneka uhlale ucinga ukuthatha inani eliphezulu elifumanekayo kuwe. Unokuphonononga iimfuno zakho kunye ne-inshente yakho okanye ummeleli oya kuba yindawo efanelekileyo yokukucebisa ukuba uninzi kangakanani na kwaye uphakamise umda ofanelekileyo. Ukuba udinga ngaphezu kwezinto ezikhoyo, ziya kukwazi ukuxoxa nge- inshorensi yemfanelo yomshuwalense , enokukukhusela ngakumbi.
Indlela Umthwalo Wokhuseleko Ungakukhusela Ngayo Nentsapho Yakho Ukukhupha Izakhiwo kunye Nehlabathi
Abantu bavame ukucinga ngokwaloo ndawo. Nangona kunjalo, kuyaphawuleka ukuba i-inshorensi yemfanelo ikukhusela kwindawo kunye nakwihlabathi jikelele kwiimeko ezininzi. Nayi imizekelo embalwa.
Ukuba uhamba kwaye unqwenela ukuthatha iholide, i-coverage yakho yemfanelo ingakukhusela nakwiindawo.
Umzekelo we-Intshuwalense Yemfanelo Yomntu Wakho - I-Beach Romantic Beach Yakho Imbi
Khawucinge ukuba ufumene kwiholide lomtshato, uqeshe indawo yangasese elunxwemeni kwaye ugqibe ekubeni ukhanyise indawo kunye nezikhanyiso eziqhelekileyo ukujonga ilanga. Njengoko uhamba ecaleni lolwandle ngaphambi kokutya, umoya uthatha esinye isiqalo kwaye izikhanyiso zakho zikhanyisa indawo emlilweni. Ihotele ikuthintele wena kuba ubeka iibane kwiindawo, kwaye ngokukhawuleza awukho nje uxanduva lokulimala kwindawo leyo, kodwa nakwimpembelelo elahlekileyo esuka kwezinye iindwendwe ezingenakusebenzisa le ndawo ngelixa zakha kwakhona. Uxanduva lwakho lomntu luyakunceda.
Dlala umdlalo? Uxanduva lomntu siqu luyakhusela wena namalungu akho omndeni
Iimbopheleleko ikukhusela nokuba wena okanye amalungu entsapho yakho yenza imidlalo, kwaye inokubangela ukulimala kwabanye ngokungenakwenzelwa .
Cinga ngokubetha i-baseball epakini kwisitrato, kuthekani ukuba itshaya umntwana, okanye iphule ifestile esuka endlwini?
Omnye umzekelo, khawucinge ukuba uhamba ngegalufu kwaye ushaya ibhola kodwa kuthatha ukujika kwindlela engafanelekanga kwaye uhlasele enye i-golfer ekhanda. Oku kunokubangela ukulimala kolu hlobo oza kuba noxanduva lwakho.
Ukuxhamla umgaqo-nkqubo kumgaqo-nkqubo wendawo yokuhlala uhlanganisa ezininzi iimeko. Ekupheleni kosuku, konke kukukhusela kwiimeko ezininzi ezinokuthi zenzeke ngengozi kodwa zishiye kumgca wokulimala.
Icebiso: Ukuthenga i-Pool? Intsholongwane yeNtsholongwane iyimfuneko kubanikazi be-pool.
Ngaba wayesazi ukuba ukucwiliswa yimbangela yokufa kwabantwana abaneminyaka eli-1 ukuya kweyesi-4, kwaye yimbangela yesibini ebangela ukufa kwabantwana 5-14 (Injury Facts, 2015)Njalo vumela ummeli wakho we-inshorensi ukuba uyazi ukuba unayo idama.
Yintoni engabonakaliyo nguMgca woBungqina kuMgaqo-nkqubo wezindlu?
Ukubonelelwa kweemfanelo ezinikezelwe kumgaqo-nkqubo oqhelekileyo kunzima.
Ezinye iimeko zihlanganisiwe, phantsi kwemiqathango ethile, njengemigodi yamanzi.
Kwezinye iimeko, uxanduva oluvela kwimikhobho yamanzi ongeyakho inokuthi ikhutshwe, kodwa kwezinye iimeko zixhomekeke kwimoto, ubude besikhephe okanye iimeko apho uzifumana usebenza khona ngemoto, awuyi kubalwa.
Ezinye izinto zichazwe ngokucacileyo kwi-coverage yakho yemfanelo, njengokuba uxanduva lwezithuthi ezifuna ukubhaliswa kunye neelayisenisi ukuqhuba ezindleleni. Yingakho imoto idinga i- inshorensi yemfanelo yomshuwalense kwaye ayiqinisekisiwe phantsi kwemigaqo-nkqubo yasekhaya.
Iimbopheleleko zomntu ongenakuzibandakanya kunye nomsebenzi wezoKhaya
Iimbopheleleko ezivela kumashishini asekhaya nazo zinokuba zikhohlisi kwaye kwiimeko ezininzi zingabandakanywa. Ukuba usebenza kwishishini lasekhaya kufuneka ucebise ummeleli wakho we-inshorensi ukuqinisekisa ukuba unokhuseleko olufanelekileyo endaweni. Ayinakuchaphazela kuphela uxanduva lwakho kodwa kunye nepropati yakho siqu. Ngokuqhelekileyo ukufakwa kwenkxaso kunokongezwa ngokuvuma okungabizi .
Ukuba uthe wagxininiswa into ethile ngexesha usebenza okanye njengenxalenye yomsebenzi wakho, oku kuya kubandakanywa.
Umsebenzi wakho njengenxalenye yombutho, ibhodi yabalawuli, okanye ingeniso inzuzo ingabhekiswa "kwimimiselo engentla", kodwa ingabandakanywa yimigaqo-nkqubo eninzi. Ngokuqinisekileyo buze ukuba zezi zinto ziphathelele kuwe.
Ungaze ucinge ukuba uhlanganiswe ngokuzenzekelayo. Kwiimeko ezininzi, ukuba uthatha uxanduva lento ethile, unokudala ukukhutshwa kwaye ungagciniwe. Njalo qha ga mshelana nommeli wakho we-inshorensi ukuba uhlolisise iimeko kwaye uchaze indlela okufunyenwe ngayo ngayo. Bahlala kwindawo efanelekileyo yokuxoxa ngokungafunyanwa kwipolisi yakho.
Ngaba Ndimele Ndiyeke I Nkampani Yomshuwalense Ukuba Ndicinga Ukuba Ndiyadliwa?
Ukuba nenkampani yomshuwalense ukukhusela uxanduva lwakho kwimeko yomgwebo, ungena kwisivumelwano njengenxalenye yesikontraki yakho yomshuwalense okanye umgaqo oya kwenza ukuba inkampani yomshuwalense ikwazi ukuba nayiphi na into enokuyenza ngokukhawuleza ukuba uyazi . Kufuneka usebenzisane nenkampani yomshuwalense. Igama lomgaqo-nkqubo lihluka ukusuka kummandla ukuya kummandla. Nangona kunjalo, kufuneka ubize i-arhente yakho, umthengisi okanye ummeli we-inshorensi ukuba abuze malunga nale mbopheleleko ukuqinisekisa ukuba uyaqonda ukuba kusebenza njani kuwe. Ukuba ukhetha, ungabiza neofisi yakho yomshuwalense wombuso we-inshorensi ukuze ucebise ngokubanzi.
Iimfuneko ezibalulekileyo zokuziqonda malunga nokuxanduva olunikezwe yiNkampani yakho yomshuwalense
Ungalokothi ukhohlwe ukuba iinkqubo ze-inshorensi ziyimvumelwano zomthetho, kwaye kukho imbopheleleko kuyo nayiphi na isivumelwano. Ngendlela efanayo, bavuma ukuhlawula ibango, uneemeko ezithile ovumelene ngazo. Ukuba awukwazi ukuba ziphi, kubalulekile ukufumanisa.
Ngaba kufuneka Ndixelele Ikhampani Yomshuwalense Yonke?
Akuqhelekanga ekusebenzisaneni nabaxhasi be-inshorensi ukuva ukuba babuze isizathu sokuba bafune ukuvelisa ulwazi oluthile, okanye babuze, "Yintoni na ishishini likampani yomshuwalense ukwazi le nto?" Abantu abaninzi bathatha isigqibo sokuba kukho izinto yinkampani yenkampani yomshuwalense. Nangona kunjalo, ukuba ucinga ngoluhlu olubanzi lweembambano inxalenye yemfanelo yomgaqo-nkqubo iya kukunceda, kuyaqondakala ukuba ukusebenzisana nokucinga ngenkampani yomshuwalense njengokuba ummeli wakho kula maxesha kubalulekile.
Kuthiwani ukuba andinakusebenzisana neNkampani Yomshuwalense?
Ukungaphumeleli ukusebenza kunye nenkampani yinshuwalense, okanye ukubenza baqaphele ngamacala asemthethweni kunokubangela iingxaki ezibalulekileyo kuwe, kwaye kwezinye iimeko, ngokusekelwe kwimimiselo yesivumelwano sakho se-inshorensi okanye umgaqo-nkqubo, kunokukwenza ukuba ungenakulungelelwa uncedo lwabo.
Ubungqina beMfanelo Ngaba yindlela ephezulu yokukhusela imali yakho, ii-asethi zakho, intsapho yakho kunye nekamva lakho
Xa ucinga ngako, ukuba nenkampani yomshuwalense imele emva kwakho kwiimeko zomthetho ukubonelela ngeenkonzo zomthetho kunye neengcebiso , yinto enamandla kakhulu. Inomdla wabo wokusebenza kwimeko yakho kwaye ikunike inkxaso enokwenzeka kakhulu. Xa unemboleko yomshuwalense, unokuhlala uphila ngokulula ukwazi ukuba ukuba kukho into engalunganga, umntu unomqolo wakho.