Iyintoni i-premium yomshuwalense?
Kwimiqathango elula kakhulu, i-premium yomshuwalense ichazwa njengemali yemali yenkampani ye-inshorensi iya kuhlawulisa ngenqubomgomo yomshuwalense oyithengayo.
I-premium yomshuwalense yindleko yomshuwalense wakho.
IiNkcazo ze-Intshurensi zivame ukuba nebala lokubala, kwaye emva koko zisekelwe kwingcaciso yakho, indawo kunye nezinye iinkampani ezinikezelwe ulwazi, ziza kuba nezaphulelo ezongezelelweyo kwi-premium, ukwenzela ukuba uthole iirhafu ezikhethiweyo, okanye ukhuphiswano oluninzi okanye ukhuphiswano oluncinci olusekelwe ulwazi, esicacisa ngakumbi iinkcukacha ezi-4 ezibeka i-premium echazwe ngezantsi.
Ngamanye amaxesha inkokhelo ye-inshorensi ihlawulwa rhoqo ngonyaka, i-semi-year okanye ezininzi iinkampani namhlanje, vumela ukuxhaswa kwenyanga yenyanga. Ukuba inkampani yomshuwalense inquma ukuba ifuna i-premium yomshuwalense phambili, ingafuna loo nto. Oku kudla ngokuba yimeko xa umntu enomgaqo-nkqubo we-inshorensi ukhanselelwe ukungabikho kwentlawulo kwixesha elidlulileyo.
I-premium iyisiseko "sakho senkokhelo". Inkokhelo ye-inshurensi ingahlawulwa irhafu, okanye iirhafu zenkonzo ngamanye amaxesha zingaphinde zongezwe kuyo ngokuxhomekeke kwimithetho yomshuwalense wendawo, kunye nomniki wesivumelwano sakho.
I-National Association of Commissioner's Guidelines, okanye i-ofisi yekomishinala yoomshuwalense kaRhulumente, unokukunika ulwazi oluthe xaxa malunga nemimiselo yakho yasekhaya ukuba ubuza iimali okanye iindleko kwi-premium yakho.
Naliphi na iindleko ezingaphezulu nangaphezulu kweendleko zomgaqo-nkqubo akuyona i-premium.
Izindleko ezongezelelweyo zingongezwa, umzekelo, xa inkampani ihlawula iindleko zokukhupha.
Imirhumo eyongezelelweyo ayiyi-premium, ngokuqhelekileyo iya kuchazwa ngokwahlukileyo ukuba ubhekisele kwingxelo yakho ye-akhawunti.
Inani le-Premium yomshuwalense?
I-premium yomshuwalense iya kuba yindleko eninzi okanye ixabiso eliphantsi kwaye ixabiso liyakwazi ukuhluka ngohlobo lwentengiso okhangelayo, kunye nomngcipheko.
Yingakho ihlala ilungileyo ukuthenga i-inshurensi okanye ukusebenza kunye ne-inshorensi oqeqeshe ukuthenga ii-premiums kunye nenkampani ezininzi ze-inshorensi.
Xa abantu bathengela i-inshurensi, banokufumana iiprayimali ezahlukileyo ezihlawulwe ngeendleko ze-inshurensi yazo kunye nenkampani ezahlukeneyo ze-inshorensi kwaye igcina imali eninzi kwiimali-mali ze-inshurensi, ngokufumana inkampani enomdla kakhulu "wokubhala umngcipheko".
Ziziphi izinto eziQinisekisa i-Premium?
I-premium yomshuwalense ivame ukumiselwa ngu-4 izinto eziphambili:
1. Uhlobo loBungakanani luchaphazela njani iiNkumali zeNkxaso-mali
Iinkampani zomshuwalense zinikela ngeendlela ezahlukeneyo xa uthengela umgaqo-nkqubo winshuwalense Ingxelo efumanekayo, okanye ukufumana inkcazelo ebanzi, i-premium yakho ye-inshurensi iphezulu. Umzekelo, xa ukhangele iiprayimari ze- inshurensi yasekhaya , ukuba uthenge izingozi ezivulekileyo okanye yonke ingozi yomshuwalense wendlu yomshuwalense, kuya kuba kubi ngaphezu kweyona nkqubo yingozi yomshuwalense wekhaya ophezu kweso siseko.
2. INani leMboleko lichaphazela iNkcitho yakho ye-Premium Indleko
Ukuba uyithenga inshorensi yobomi, umshuwalense wemoto, umshuwalense wezempilo, okanye nayiphi na inshurensi uya kuhlala uhlawula i-premium eyongezelelweyo (imali ethe xaxa) malunga nemali ephezulu.
Le nto inokusebenza ngeendlela ezimbini, indlela yokuqala ilungele ngqo, indlela yesibini yinto enzima kakhulu, kodwa indlela efanelekileyo yokugcina kwiimali-mali zakho ze-inshurensi:
- Isixa sakho sokubhengezwa singaguquleka ngexabiso le dollar oyifunayo nayiphi na into oyiqinisekisayo. Ngokomzekelo, ukuqinisekisela indlu i-$ 250,000 iya kuba yinto eyahlukileyo kunokuba iqinisekise indlu nge-$ 500,000. Yilungileyo ngokuthe ngqo: ixabiso lentela efuna ukuba liqinisekise ukuba ixabiso elibizayo liya kuba libiza
- Unokuhlawula imali encinci yemali efanayo yokubhengezwa ukuba uthathe umgaqo-nkqubo ophezulu. Kwimeko ye-inshorensi yempilo okanye imigaqo-nkqubo yempilo , awukwazi nje ukuthabatha imali ephezulu, kodwa jonga imigaqo-nkqubo eneenketho ezahlukeneyo ezifana nokuhlawula okuphezulu, okanye ixesha elide lokulinda .
3. IiNkcukacha zoBuntu kwiNkxaso-nkqubo yoMshuwalense
Imbali yakho yomshuwalense, apho uhlala khona, kunye nezinye izinto zobomi bakho zisetyenzisiweyo njengenxalenye yokubala ukuqinisekisa i-premium yomshuwalense eya kuhlawulwa. Yonke inkampani yomshuwalense izakusebenzisa imilinganiselo eyahlukeneyo yokulinganisa
Ezinye iinkampani zisebenzisa izikolo zomshuwalense ezinokumiselwa ezininzi iinkalo zomntu, ukusuka kwisikwereti sekhredithi ukuya kwixesha lezingozi zemoto okanye imbali yamabango abo kunye nokuba ngumsebenzi. Ezi zinto zihlala ziguqulela kwizaphulelo kwi-premium yomshuwalense.
I-inshorensi yempilo okanye umshuwalense wobomi, ezinye izinto ezinobungozi ezithile kumntu okhuselekile ziya kusetyenziswa ngokunjalo.
Iinkampani zomshuwalense zijolise kubathengi, njengazo nayiphi na ishishini. Ukuze ukhuphisane, iinkampani zomshuwalense ziza kugqiba ukuba iiprofayili zabaxhasi abafuna ukutsala zize zidale iinkqubo okanye izaphulelo ukuze zitsalise abaxhasi babo. Ngokomzekelo, inkampani yomshuwarensi enye inokuthi ithathe isigqibo sokuba ifuna ukutsala abadala okanye abahlala phantsi njengabantu abathengi, apho omnye uya kubaxabisa ama-premium awo ukutsala iintsapho ezincinane okanye iwaka leminyaka.
4. Ukhuphiswano kwiNkampani ye-Inshishini kunye neNdawo ekujoliswe kuyo
Ukuba inkampani yomshuwalense inquma ukuba ifuna ukuqhubela phambili ngokukrakra isigaba seemarike, ingahle ilahleke iirhafu ukutsala ishishini elitsha. Le nto inomdla wentlawulo ye-inshorensi kuba ingayishintsha ngokukhawuleza amaxabiso ngexesha lesigxina, okanye isisigxina xa iqumrhu le-inshorensi liphumelela kwaye lifumana iziphumo ezilungileyo kwimarike.
Ngubani osenza i-Premium ye-Inshorensi
Yonke inkampani yomshuwalense inabantu abasebenza kwiindawo ezahlukeneyo zokuvavanya umngcipheko.
I-actutuaries, umzekelo, sebenzela inkampani yomshuwalense ukucacisa:
- ubuncipheko beengozi kunye neengozi
- iindleko ezihambelana nesiganeko senhlekelele, okanye ibango kwaye ke, ii-actuaries kufuneka zenze izicwangciso kunye nezikhokelo ezisekelwe kule ngcaciso
Ukusebenzisa izibalo, ii-actuaries ziqikelela ukuba iindleko ezininzi ziya kubandakanywa njani ekuhlawuleni amabango kunye nemali engakanani inkampani yomshuwalense kufuneka iqokelele ukuze kuqinisekiswe ukuba yenza imali eyaneleyo yokuhlawula amabango angenako kwaye yenza imali.
Ulwazi oluvela kwi-actuaries luza kunceda ukubhala phantsi. Abangaphantsi babanikezwa izikhokelo zokubhala phantsi umngcipheko, inxalenye yale nto ibona i-premium.
Inkampani yomshuwalense inquma ukuba ingaba yintoni imali eya kuhlawula ngayo isivumelwano se-inshorensi ekuthengisayo.
Yintoni Inkampani Yomshurensi Eyenzayo Ngama-Premium?
Inkampani yenkampani yomshuwalense kufuneka iqokelele iiprayimari kubaninzi kwaye iqinisekise ukuba igcina ngokwaneleyo loo mali kwiimpahla zamanzi ukuze ikwazi ukuhlawula amabango ambalwa. Inkampani ye-inshurensi iya kuthatha i-premium yakho kwaye uyibeke eceleni, ivumele ukuba ikhule iminyaka yonke unayo ibango. Ukuba inkampani yomshuwalense iqokelela imali engakumbi ngoko ke ihlawula iindleko zecango, iindleko zokusebenza kunye nezinye iindleko, ziya kuba nenzuzo.
Kutheni iInkusomali zeIntshurensi Ziya phezulu kwaye ziphantsi?
Kwiminyaka enenzuzo, inkampani yomshuwalense ayinakufuna ukwandisa iimali-mali ze-inshorensi. Kwiminyaka engaphantsi kwenzuzo, ukuba inkampani yomshuwalense ixhasa amabango amaninzi kunye nokulahleka kunokuba ikulindeleke ke kufuneka ihlaziye isakhiwo se-premium yabo yomshuwalense kwaye iphinde ihlolisise izinto ezinobungozi kulokho ziqinisekisa. Kwiimeko ezinjengale, iiprayimenti zingaphakama.
Imizekelo ye-Premium Adjustment and Premium Adjustments
Ngaba uye wakha wathetha nomhlobo we-inshurensi enkampani yomshuwarensi enye waza wawava bathetha ukuba yiyiphi intlawulo ephezulu abayifumene nayo, kwaye uyayithelekisa namava akho ngamaxabiso kwenkampani enye kwaye yahluke ngokupheleleyo? Oku kunokukwenzeka ngokusekelwe kwimibandela eyahlukeneyo, iiphulophu, okanye iindawo zendawo, kunye nokuncintisana okanye amava okulahlekelwa yinkampani yomshuwalense.
Ngokomzekelo, ukuba inkampani ye-inshorensi iphinda iphinde iphinde ihlolisise indawo ethile ngonyaka kwaye iqinisekise ukuba inobungozi obuncinane kwaye ihlawule kuphela iiprayimari ezincinci kakhulu kunyaka, kodwa ke ekupheleni konyaka babona ukunyuka kolwaphulo-mthetho, enkulu inhlekelele , ukulahleka okuphezulu okanye ukuhlawulwa kwamabango ngezizathu ezingalindelekanga, kunokubangela ukuba bahlaziye iziphumo zabo kwaye batshintshe i-premium baya kuhlawula loo ndawo kunyaka omtsha.
Loo ndawo iya kubonakala ukunyuka kwezinga ngenxa yoko. Inkampani yomshuwalense kufuneka yenze oku ukuze ukwazi ukuhlala kwishishini. Abantu kuloo ndawo banokuthenga ngeenxa zonke, baze baye kwenye indawo. Ngexabiso lentlawulo yee-premiums kule ndawo ephakamileyo kunaphambili, abantu banokutshintsha inkampani yomshuwalense. Njengokuba inkampani yomshuwalense ilahlekelwa ngabaxhasi kuloo ndawo abangenakuvuma ukuhlawula i-premium bafuna ukuhlawulisa into abaye bayinquma njengengozi, ukuxhamla kwabo okanye ukulahleka kwabo kunye nokulahlekelwa kuyo kuya kuhla kwaye oku kulungile kumashishini kwinkampani yomshuwalense kunye nabathengi abasele baqinisekisa, kuba indleko yamabango isasazeka ngaphezu kwabaxhasi abaninzi.
Amabango ambalwa kunye neentlawulo ezifanelekileyo zeprayimum eziza kubangela ukuba inkampani yomshuwalense igcine iindleko ezifanelekileyo kubaxhasi bazo.
Indlela yokufumana i-Premium yeNkcazo ephantsi kakhulu
Iqhinga lokufumana i-premium yomshuwalense ephantsi kakhulu ifumana inkampani yomshuwalense enomdla kakhulu ekukuqinisekeleni.
Xa i-inshurensi yenkampani ye-inshorensi iya phezulu kakhulu ngokukhawuleza, kufuneka ucele ummeli wakho ukuba kukho nantoni na eyenziweyo ukwenzela ukunciphisa i-premium.
Ukuba inkampani yomshuwalense ayizimisele ukutshintsha i-premium bayakuhlawula, kwaye ayiyivakala ingqiqo kuwe, kwaye ukuthenga ngeenxa zonke kunokufumana ixabiso elingcono xa kukho enye inkampani yomshuwalense enomdla kakhulu ekukhuphisaneni kwishishini lakho. Ukuthenga ngeenxa zonke kuya kunika ukuqonda okungcono kwindleko ephakathi kwe-inshurensi kwingozi yakho.
Ukucela ummeli wakho we-inshorensi okanye u-inshuwalense ukuba achaze izizathu zokuba i-premium yakho iyanda kwaye ukuba kukho na mathuba okufumana izaphulelo okanye ukunciphisa iindleko ze-insum yecomshurensi iya kukukunceda ukuba uqonde ukuba unesimo sokufumana ixabiso elingcono kunye nendlela yokwenza kunjalo.