Inyanzelekile okanye inokhetho
I-deductible okanye i-SIR ingabandakanywa kumgaqo-nkqubo okanye idibene nge- endorsement . Inokuba yinto enyanzelekileyo (efunwa ngu-inshurensi) okanye ukhetho. Umshuwalense angeke anqwenele ukubonelela ngenkonzo ethile ngaphandle kwe-deductible okanye i-SIR.
Umzekelo ngumgaqo- sambuli wezorhwebo . Ama-ambrellas anikezelwa ngabaninzi batshorensi abandakanya i-SIR. Ukuba ufuna ukuthenga umgaqo-nkqubo kufuneka uyamkele i-SIR.
I-deductible okanye i-SIR inokufuneka kwakhona ukuba inkampani yakho inerekhodi elahlekileyo yokulahlekelwa okanye ibandakanyeka kumsebenzi onobungozi . Ngokomzekelo, iipolisi eziphantsi kweemfanelo zithengiswa kwiikontraka zokukhahlalisa ziquka ixesha elichanekileyo lokuchithwa kwiimangalo zomonakalo wepropati.
Kwezinye iimeko, i-deductible okanye i-SIR inokufumaneka njengendlela yokukhetha ukunciphisa i-premium yakho . Izidumbu zeetayitile zisetyenziselwa le njongo kwi-inshurensi yembuyekezo yomshuwalense. Ii-SIR zisetyenziswa rhoqo kwi-inshorensi yemfanelo. Amashishini amaninzi amakhulu agcina imali kwi-premium yabo yemfanelo ngokukhetha umgaqo-nkqubo we-SIR we-$ 100,000 okanye ngaphezulu.
Nangona i-deductible kwaye i-SIR isebenzela iinjongo ezifanayo, zineengxaki ezingundoqo. Ezi zichazwe ngezantsi.
Deductible
Enye into eyahlukileyo ye-deductible kukuba ukunciphisa inani le-inshorensi ekhoyo.
Ngokomzekelo, cinga ukuba umgaqo-nkqubo wakho wokuzibophelela jikelele uquka i-$ 5,000 echithwe kwixabiso lomonakalo wepropati . Umlinganiselo wakho ngamnye Umyinge i $ 500,000. Ngomngcipheko ubangela umlilo omkhulu ophumela kwisibango semali engama-$ 505,000. Umxhasi wakho uhlawula i $ 495,000 (i-$ 500,000 umda umncinci we-$ 5,000).
Unembopheleleko yee-5,000 zamaRandi ezidityanisiweyo kunye ne-5,000 yeemali ezimalunga nomda. Ngenxa yokuba i-deductible isuswe kumda, umda wonke awufumanekanga ukufihla ilahleko.
Xa kuqukwa kumgaqo-nkqubo wokuxanduva, i-deductible ivame ukusebenza kwimonakalo kuphela. I-inshurensi isebenza ngokukhusela kwaye ihlawule zonke iindleko zebango. Ezi ndleko azikho phantsi kwe-deductible. Kulo mzekelo ukhankanywe ngasentla, cinga ukuba i-insurer yakho inokuhlawula i-$ 50,000 kwiindleko zomthetho ukulungisa umonakalo wakho wesalathiso sempahla. Iindleko zomthetho aziyi kufakwa kwi-deductible. Umshuwalense wakho ubahlawulela njengeeNtlawulo ezongezelelweyo ngee-495,000 zama-$.
Ukugcinwa kwe-Self-insured
Ngokungafani ne-deductible, ukugcinwa kwe-insured yakho akunciphisi umda wakho we-inshurensi. Emva kokuba i-SIR iyanelisekile umda wonke ufumaneke ukukhupha amabango. I-SIR zidla ngokufumaneka kwiziphene kunye nokuchithwa (iimbopheleleko zobuchwepheshe).
Kwimimiselo yangaphambili, cinga ukuba umgaqo-nkqubo wakho wokuzibophelela jikelele uquka i-SIR ye-5,000 yeeRah esikhundleni sokubanjiswa kwetyala kwiimangalo zomonakalo wepropati. Umda wakho womda kunye nemali yebango ifana nayo ngasentla. Kule meko, uya kuhlawula i-$ 5,000 yokuqala kwimonakalo (iSIR yakho) kunye nomshurensi wakho uya kuhlawula i-$ 500,000 ekhoyo (umda wemigaqo-nkqubo).
I-SIR ayinciphisi umda wakho.
I-SIR inokufaka isicelo sokulimala kuphela okanye ukulimala kunye neendleko zamabango. Xa iindleko zebango zifakiwe, umgaqo-nkqubo kufuneka ucacise ukuba wena okanye wakho umshwalense unembopheleleko yokujongana namabango. Ngokuqhelekileyo, i-inshurensi yakho iya kulawula ibango ize ibhawule wena ngenxalenye yakho yeendleko zamabango (imali yakho yokugcina). Eminye imigaqo-nkqubo inokuthi unembopheleleko yokusingatha ibango kuze kube yilapho i-SIR yakho iphelile.
Isigama esicacile
Amagatya athatywayo kunye nokugcinwa kwee-insured ayisoloko esetyenziswa ngendlela eqhubekayo. Umgaqo-nkqubo unokuba ne-"deductible" efana ne-SIR. Ukutshintsha kwakhona kuyinyaniso. Ngaloo nto kubalulekile ukuba ufunde ipolisi yakho ngokucophelela. Ukuba awuqondi ukuba i-deductible okanye i-SIR ithintela njani ukukhawuleza, cela i- arhente yakho okanye umthengisi ukuba ancede.