Imigaqo-nkqubo yamashishini amaninzi iqulethe isigatshana se- coinsurance . Eli gatya libeka isohlwayo kubaphathi-nkqubo abahluleka ukuthenga umda owanelisayo we-inshurensi .
Ininshurensi kwixabiso
Kutheni ama-inshurensi anonyamekela ukuba unomshuwalense owuthengayo? Isizathu sinxulumene ne- inshurensi ukuxabisa . Ininshurensi ukuba ixabiso libhekiselele kumyinge womda wakho we-inshurensi kwixabiso lepropati yakho. Ngokomzekelo, cinga ukuba unesakhiwo esincinci seofisi.
Uyabonisana nekontrakta yokwakha ukuchonga ukubaluleka kwesakhiwo sakho kwisiseko seendleko zokutshintsha. Wena kunye nekonkontrakta uphetha ngokuthi iindleko zokutshintshwa kwezakhiwo ziyi $ 2 yezigidi. Uyaqinisekisa ukuba isakhiwo phantsi komgaqo-nkqubo wepropati wentengiso kwisilinganiso se-$ 2 yezigidi. I-inshurensi yakho yokuxabisa i-100%.
Ininzi yemali ye-inshuwalense yepropati iquka ukulahleka okuyingxenye Ukuba umlilo uphuma kwisakhiwo sakho, mhlawumbi uya kutshabalalisa kuphela isahlulo sesakhiwo ngaphezu kwesakhiwo sonke. Ukuba ngaba kunjalo, ngaba awufanele uqinisekise ukuba isakhiwo sakho sinxalenye ethile yexabiso layo? Emva kwakho konke, unako ukugcina imali eninzi xa uqinisekisa isakhiwo, uthi, isiqingatha seendleko zokutshintshwa okanye ixabiso langempela lemali. Impendulo ayikho.
Okokuqala, injongo ephambili yomshuwalense kukuba kukukhusele ukulahlekelwa yintlekele. Kwiinkampani ezininzi ezincinci ezinempahla, ukutshatyalaliswa ngokupheleleyo kweso propati kubangela inhlekelele.
Ukuba isakhiwo sakho sitshisa, kwaye i-inshurensi yakho ayiyi kunika imali eyaneleyo yokwakha kwakhona, unokuba nobunzima bokuhlala kwishishini.
Okwesibini, i-inshurensi yepropati ayinakuhlala ixesha elide ukuba bonke abaphathi be-policy baxhasinise impahla yabo. Ekugqibeleni, abanye balabo baxhasi bemigaqo-nkqubo babeza kuxhasa ilahleko ezipheleleyo.
Iiproyamu eziveliswe yimigaqo-nkqubo ayinakwanela ukufihla ilahleko ezinkulu.
Injongo yeConinsurance
Kwi- inshurensi yepropati , i-coinsurance yenzelwe ukukhuthaza abanikazi bemigaqo-nkqubo ukuba baqinisekise iipropati zabo kwipesenti ezithile (ngokuqhelekileyo i-80% okanye i-90%) yexabiso lawo. I-Coinsurance ingafaka isicelo sokuba ingaba ipropati yakho iyagcinwa ngeendleko zayo zokutshintshwa okanye ixabiso layo lenkokhelo.
I-Coinsurance isebenza ngokumisela isohlwayo kubaphathi-nkqubo abahluleka ukuthenga i-inshurensi eyaneleyo ukuze banelise ipesenti ye-coinsurance eboniswe kwiimpapasho . Akukho sigwebo sisebenza ukuba umnini-mgaqo-nkqubo uthathe i-inshurensi eyaneleyo.
Isigatshana se-coinsurance asiyi kuba nefuthe kuwe uze ufumane ukulahlekelwa kwepropati. Umshurensi uza kuqhathanisa umda we-inshurensi kumgaqo-nkqubo wakho (ngexesha elahlekelwa yilahleko) kwinani le-inshurensi kufuneka uzuze ngokusekelwe kwipesenti ye-coinsurance. Ukuba umlinganiselo ungaphantsi kwe-1, uya kuba phantsi kwesihlwayo.
Kwi Umgaqo-nkqubo wepropati yorhwebo, isigatya se-coinsurance ngokuqhelekileyo sitholakala kwicandelo lemiqathango yeenkqubo. Inyaniso yokuba umgaqo-nkqubo wakho uqulethe loo mhlathi awuthetha ukuba umgaqo-nkqubo wakho uncike kwi-coinsurance. I-Coinsurance isebenza kuphela xa ipesenti ye-coinsurance iboniswa kwicandelo lokumisela lomgaqo-nkqubo .
Umzekelo
Cinga ukuba "u-80% we-coinsurance" ubonakala kwiimpapasho zomgaqo-nkqubo wakho wepropati. Ithetha ntoni le nto? Umzekelo olandelayo ubonisa indlela eli gama liya kusebenza ngayo.
Yicinga ukuba unesakhiwo esikuqinisekisayo kwisiseko seendleko zokutshintsha. Iindleko zokubuyisela isakhiwo i-$ 1 yezigidi. Ngenxa yokuba ipesenti ye-coinsurance ayi-80, kufuneka uqinisekise isakhiwo sakho ubuncinane nge-$ 800,000 (i-80% yezigidi eziyi-1 yezigidi) ukuphepha isigwebo. Khawucinge ukuba uye wagqiba ekubeni wenze i-inshurensi. Ukugcina imali, uqinisekisa isiqithi sakho kwisilinganiso sama-700,000. Umgaqo-nkqubo unemali engama-5000.
Umlilo uphuma kwisakhiwo sakho kwaye kubangele umonakalo obiza i-$ 200,000 ukulungiswa. Ngexesha lokulahleka, umda wakho we-inshurensi yayingu-700,000. Ngokusekelwe kwiimfuneko ze-80% zemali-mali, kufuneka uthenge ubuncinane i-$ 800,000.
Umlinganiselo wexabiso owathathayo lahlulwe lixabiso elifunekayo (700,000 / 800,000) ngu -875. Ngelixa ilahleko lakho laliyi-200,000, i-insurer yakho iya kukuhlawula kuphela i-175 000 yee-(000,000 X .875) ikhuphe i-$ 5,000 echithwayo okanye i-$ 170,000. Isihlomelo sakho se-coinsurance i $ 25,000.
Ukulungiswa kweSigqeba soNxibelelwano
Enye indlela yokugqithisa isigatya se-coinsurance yintengo yokuthengwa kwepropati ngokwexabiso elivunyelweneyo . Ngaphantsi kwolu khetho, wena kunye nomshuwalense wakho uyavuma, ngaphambi kokuba umgaqo-nkqubo uphumelele, kwixabiso lepropati yakho. Ixabiso lingaxhomekeke kwiindleko zokutshintsha okanye ixabiso langempela lemali. Ukubhengezwa kwexabiso elivunyelweneyo kusebenza kwixesha lomgaqo-nkqubo. Ukuze uqhubeke ne-postage kwenkqubo yenkqubo elandelayo, kufuneka ungenise ingxelo yexabiso ngaphambi kokuba umgaqo-nkqubo wakho uphelelwe.
Enye inketho ekhupha isigatya se-coinsurance kukunika ingxelo . Ixabiso lokunika ingxelo liyasetyenziswa xa ixabiso lepropathi litshintsha. Ngokomzekelo, ivenkile yokuthengiswa okuthengiswayo ngokubanzi ukusuka kwinyanga ukuya kwinyanga inokukhetha ukuqinisekisa ukuba i-inventory yayo yenzelwa ingxelo. Iinketho ezininzi zokunika ingxelo ziyafumaneka, njengekota nganye, ngonyaka kunye nenyanga. Uhlala ukhokhela iprimenti yepompozithi uze uthumele iingxelo zexabiso lakho lepropati kwishedyuli njengoko kufunwa ngumshuwalense wakho.
Kwezinye iIntshurensi
I-Coinsurance iyasetyenziswa nakwezinye iintlobo ze-inshurensi. Imizekelo yinshurensi yempilo kunye neyentengiselwano. Imigaqo-nkqubo emininzi yempilo kunye namazinyo agubungela iindleko zezokwelapha okanye zamazinyo ngokwemilinganiselo echazwe njenge-80/20 okanye 70/30. Inombolo enkulu (i-80% okanye i-70%) ibonisa ipesenti ehlawulwe ngumshwalima ngelixa inani elincinci (20% okanye 30%) yipesenti omele uyihlawule.
Abanye abaqondisi kunye namagosa ezinyathelo zomgaqo- nkqubo ziqulethe igatya le-coinsurance. Ngokufanayo, amaxesha athile afumaneka kwiimbopheleleko zobuchwepheshe (okanye iimpazamo kunye nokushiya ). La maqendu kufuneka agwenywe njengoko anokufuna ukuba uhlawule inxalenye yimuphi umonakalo okanye umvuzo.