Amashishini a-Intshurensi anika iNtsholongwane yokugula engundoqo

Ubulwelwe obuPhambili kwi-inshurensi imibuzo kunye nababoneleli

Sonke siye sathinteka sisifo esibuhlungu thina, abathandekayo bethu okanye owaziyo umntu oye wahlupheka ngeli xesha. Imiphumo ingaba yintlekele kwimali njengoko iibhilikhwe zonyango zibonakala ziqhubeka zikhupha. Akukona nje kuphela iindleko zonyango kodwa ufanele uhlawule iindleko zakho zokuphila kwansuku zonke njengemali-mboleko, amanqaku emoto, amanqaku e-automobile, ii-billing and utility bills. Umlingane wakho okanye omnye umntu onokubaluleka naye unokungabikho kwemali xa engekho emsebenzini ukuba akunyamekele.

I-inshorensi yokugula engundoqo yokhuseleko olujoliswe ekuncediseni ukunciphisa imindeni ejongene nesifo esibuhlungu kwaye inika imali ekuncedeni ngeendleko zezemali xa kufuneka.

I-Intsholongwane Ejongene Nezifo Eziyingozi

I-inshorensi yokugula engundoqo ibandakanya iindleko ezivela kwizifo ezithile kunye nezimo ezichazwe kumgaqo-nkqubo. Xa umgcini-mgaqo-nkqubo uthatyathwa ukuba yenye yeemeko, intlawulo yesibambiso ihlawulwa ngqo ngqo kwi-insured. Imigaqo-nkqubo yokugula engundoqo ihlanganisa le miqathango nangona iimeko ezichaziweyo ziyahlukahluka kumgaqo-nkqubo:

• Ukuhlaselwa yintliziyo
• Cancer
• Stroke
• Ukufakelwa komzimba
• Ukufakelwa kwentliziyo
• Ukuhluleka kweengso
• I-Coronary surpass operation
• Ukukhubazeka

Iintlobo zeNtsholongwane kaGawulayo

Kukho iindlela ezintathu ezisisiseko ze-inshorensi yokugula ebalulekileyo:

• Inkcazo elula Yomntu ngamnye: Inkqubo ebalulekileyo yokwenza i-inshorensi yokugula ebalulekileyo yabantu iyatholakala kwi-50,000. Iimfuneko zokubhala phantsi azikho njengento eqinekileyo njengomgaqo-nkqubo wokukhathalela ophezulu kunye nemibandela yempilo eyisiseko eceliwe. Ezi zicwangciso zifikelelekayo kwiintsapho ezininzi kwaye zingathengwa kwi-agent yakho yomshuwalense ozimele.

• Ubhaliso lwaBantu ngabanye: Ungathenga umgaqo-nkqubo we-inshorensi yokugula ebhaliweyo ngokugqithiseleyo. Kule mali ephakamileyo yokukhusela, unokulindela ukuba ubuze imbali yenkcazo enenkcazo evela kwinkampani yomshuwalense. Ungakwazi kwakhona ukuthenga olu hlobo lwe-inshorensi yokugula ebalulekileyo kumqeshi wakho.

• I-Rider Policy: Ezinye iinkqubo ze-inshorensi zempilo zinikela ngokukhawuleza kokugula ngenxa yokugunyazwa komgaqo-nkqubo (umgibeli womgaqo-nkqubo).

Iindleko zeNtsholongwane kaGawulayo

Iindleko ze-inshorensi yokugula ebalulekileyo ziyahlukahluka ngokubhekiselele kwindlela othengayo ngayo inokuchaphazeleka ngayo nayiphi na imeko yezolimo. Imigaqo-nkqubo enexabiso elijongene ne-$ 50,000 okanye ngaphantsi, awuvumelekanga ukuba uthathe uvavanyo lwezonyango. Ungathengisa umgaqo-nkqubo okhutshwe lula ovela kwi $ 10,000 ukuya kwii-50,000 zamawaka. Iiprayimari zivela kwi-$ 180 ukuya kutsho ngaphezu kwe-$ 1,500 ngonyaka kwaye kunokuhlawula ngakumbi xa ungumsebenzisi we-tobacco. Iimali ezingaphezu kwe-50,000 zama-dollar, uya kufuneka ugcwalise imibuzo yemibuzo yezokwelapha ukuze ubone ukuba ufanelekile kwaye ufumene i-quote yokuthenga umgaqo-nkqubo. Kakade, yinto efanelekileyo ukuthenga ngeenxa zonke kwiindawo zokufanisa i-inshorensi ukufumana ixabiso elifanelekileyo kwi-inshorensi.

Amashishini a-Intshurensi anika iNtsholongwane yokugula engundoqo

1. I-Aflac : Imigaqo-nkqubo eqinisekisiwe iyatholakala nge-Aflac engenakho imibuzo yezokwelapha ukuphendula. I-Aflac inikezela Ngenye imini yokuhlawula kunye nenketho ekufuneka ihlawulwe ngokuhlawulwa kwentlawulo okanye ixesha elide. Ukusebenzisa i-One Day Pay, ukuba ungenise ibango nge-Aflac's SmartClaim system ngo-3: 00 ngamaxesha aseMpuma, kufuneka ufumane inkokhelo ngosuku olulandelayo kwiibango ezifanelekileyo. Kwamanye amabango, oku kuqhutyelwa rhoqo kwiintsuku ezintathu ukuya kwezine.

1. I-Omaha ye- Mutual: Ukubambisana kwe-Omaha ihlawula ipesenti ezili-100 ezixhamlileyo kule miqathango phantsi komgaqo-nkqubo wokugula: ukuhlaselwa yintliziyo (isifo se-myocardial infarction), umdlavuza osongela ubomi, isifo, isifo se-Alzheimer, ukuguqulwa kwamalungu omzimba, ukukhubazeka, ukukhubazeka kwezintso, ukuphosa okanye ukungaboni . Inani elincinci lentlawulo, iipesenti ezingama-25 zesibonelelo esiphezulu sitholakale kule miqathango: yokuqala ye-coronary artery optic surgery, i-coronary angioplasty yokuqala kunye ne-carcinoma yokuqala.
2. Inkampani ye-inshorensi yobomi besikhorensi : Ubomi be-Colonial inikezela iintlawulo zentlawulo ye-inshorensi ye-inshorensi ye-inshorensi, kuquka ukuhlaselwa kwintliziyo (ukutshatyalaliswa kwe-myocardial infernction) ekupheleni kwe-renal failure, uphando lwe-coronary, ukuphazamiseka okanye ukuguqulwa komzimba. Unokufumana iingeniso ezongezelelweyo xa ufumanisa ukuba unemiqathango emininzi ehlanganiswe kumgaqo-nkqubo.

1. IQumrhu lezeMali eliPhambili : Umgaqo-nkqubo oyiNtloko wezeMali weNgxowa-mali uhlawula isisombululo, inzuzo engenarhafu yomdlavuza, ukungaphumeleli komzimba, ukuhlaselwa yintliziyo kunye ne-coronary artery bypass graft. Akukho vavanyo lwezonyango luyimfuneko kwaye inzuzo ihlawulwa kungakhathaliseki ukuba yintoni enye inkxaso yezokwelapha. Kukho inzuzo yokuphila kunye neentlawulo ezininzi ziyafumaneka xa ufumanisa ukuba unesimo esiphezulu esinye.
2. Inkampani ye-Insurance Life Assurance : U-Assure uza kuhlawula inzuzo enkulu kwi-heart attack, umhlaza okanye ukukhubazeka phantsi komgaqo-nkqubo wokugula. Umgangatho ufumaneke kwezinye iimeko kunye nezifo. Unokuthenga umgaqo-nkqubo okanye wongeza umgibeli kwiphorensi yakho yomshuwalense wobomi. Ubungakanani bemali bufumaneka kwi $ 5,000 ukuya kwii-500,000 zamawaka.
3. Ukuqinisekiswa kwe-Fidelity yase-American : Iintlawulo zemali ezikhoyo zifumanekayo kwizifo ezifanelekileyo kwi-inshorensi yokugula engundoqo ekhutshwa yi-American Trustworthy Assurance. Umgaqo-nkqubo ubandakanya ukuhlaselwa kwintliziyo, umonakalo ongunaphakade obangelwa sisifo, ukungaphumeleli komzimba kunye nokutshisa okukhulu. Esi sicwangciso somqeshi kunye neenzuzo kunye nokukhethwa kwendlela yokukhawuleza kungahluka ngurhulumente.
4. I-Guardian Life Insurance Company yaseMelika : I-Guardian Life inikeza umgaqo-nkqubo wokugula obalulekileyo wokubaluleka ubuso ukuya kwii-50,000 zama-$ kwaye iquka izifo ezingaphezu kwezi-30 nezigulane ezibalulekileyo. Esi sicwangciso somqeshi kwaye umqeshwa kunye nabaxhomekeke kuye bahlanganiswe. Umkhwele wentsapho uqhubela phambili ukufikelela ekubandakanyiweyo ukubandakanya ukuhlolwa kokuthintela kunye nokuhlolwa njengemimmograms.
5. Inkampani ye-inshurensi ye-inshurensi ye-Health : Isicwangciso sokugula esibucayi se-Assurant inikeza ukubonelelwa ngeemeko ezahlukeneyo nezifo eziquka umhlaza, ukuhlaselwa yintliziyo kunye nokushaya kwesifo. Izinzuzo zihlawulwa kungakhathaliseki ukuba ziphi ezinye iinkonzo zonyango. Izinketho ezikhutshweyo zifumanekayo. Olu khuselo lufumaneka kwizicwangciso zabaqeshi. Umlinganiselo awufumaneki kuwo onke amazwe.
6. Inkampani Yomshuwalense Edibeneyo : Inkampani Yomshuwalense Edibeneyo inikezela umgaqo-nkqubo ojongene nokukhathalela ohlawulela inzuzo yesikhokelo kwiimeko ezibandakanyiweyo kubandakanywa ukufakelwa komzimba, i-Multiple Sclerosis, i-heart attack, i-stroke, i-tumor ye-brain, ukuhluleka kweengso nokunye. Kuba i-CA, CO, DC, ID, MD, MI, MT, NM, NC, OR, kunye ne-WY; Iintlawulo azihlawulwa ngaphandle kokuba i-insured iphila ubuncinane iintsuku ezili-14 emva kokulahlekelwa.
7. I-AIG : Umgaqo-nkqubo ojongene nokukhathalela ovela kwi-AIG ubizwa ngokuba yiCriticalCare Plus kwaye uhlawula isibonelelo esisisigxina sokugula kwizifo ezibandakanya i-coma, umdlavuza ongenamdla, ukuphazamiseka kwengqondo, ukuhluleka kwezintso, ukukhubazeka, i-paraplegia, ukutshisa okukhulu kunye nokunye. Inani leNzuzo lifumaneka kwi-R10 000 ukuya kwii-500,000 zamawaka iminyaka eyi-10, iminyaka eyi-15, iminyaka engama-20, iminyaka engama-30 okanye inzuzo yokuphila.

Iingqalelo malunga nokuthengwa kweNtsholongwane kaGawulayo

Akukho mntu unayo ibhola ye-crystal ukuchaza kwangaphambili xa kuza kugula isifo esiyingozi. Ukuba besenza, sonke siza kulungiswa kangcono. Nangona i-inshorensi yakho yezempilo yonyango inikezela ngokukhawuleza, kukho izikhelo ezinkulu kwiimeko ezifuna ukunakekelwa okuqhubekayo. Abantu abathile banomdla wentsapho yomhlaza, isifo senhliziyo, isifo okanye isinye isimo sengonyango sinokuziva sikhululekile ukufumana ukhuseleko olongezelelweyo endaweni. Nangona kunjalo, nangona kungekho nkalo yentsapho yezo zifo okanye izimo, akuyiyo isiqinisekiso sokuba ayiyi kuza yakho. Nguwe kuphela onokuba yijaji ukuba i-inshorensi yokugula ebaluleke kakhulu wena kunye nosapho lwakho.