Umzekelo
IBhete inomzimba omhle, udumo oludumile lwe-salon kunye ne-spa. I-Beth isebenza ibhizinisi lakhe ngaphandle kwe-ofisi emva kokuqeshisa kwi-Premier Properties, umnikazi wokwakha.
Ukuqeshiswa kwe-Beth yangoku iphela kwiintsuku ezingamashumi anesithandathu, kwaye umninikhaya wakhe umthumelele omtsha ukuba asayine.
Njengesivumelwano sokuqeshisa iBhete, isivumelwano esitsha siqulethe isivumelwano sembuyekezo kunye nemfuneko yokuthenga i-inshurensi. Isivumelwano sokuxhaswa sithetha ukuba iBhunga elihle lijongene namabango kwi-Premier Properties ezibangelwa ukunganakwa kwe-spa. Inkonzo ye-inshurensi idinga ukuba iBhunga Elihle lizithengise umgaqo-nkqubo wokuzibophelela ngokubanzi oquka ukukhutshwa kwemfanelo . Umgaqo-nkqubo kufuneka ubheke i-Premier Properties njenge- insured eyongezelelweyo kwiimangalo zenkampani yesithathu ezivela eBheth ngokusebenzisa i-office suite. Ngaphezu koko, i-responsibility coverage iBet inikezela kufuneka ibe yiprayimari kwaye ingabonakali.
IBhete iqinisekisiwe. Ikhonterikthi yakhe esele ikhona ayifuni ukuba i-coverage account ibe yiprayimari kwaye ingabonakali. Ithetha ntoni le nto?
UmGaqo woLuntu oPhambili
Phantse yonke imigaqo-mfanelo iqulethe isigatya esichazela ukuba zibonelela ngeenkonzo eziphambili.
Okokuthi, umgaqo-mboleko unika umgca wokuqala kumgca kwimeko apho ibango lifunyenwe okanye i-suit .
Nangona ipolisi yexanduva ngokuqhelekileyo isisiseko, inikeza ukukhutshwa okungaphezulu kweemeko ezithile zamabango. Ezi zibango ezibhekiselele ngokufanelekileyo ngenye inshurensi ekhoyo. Ngokomzekelo, umgaqo-mboleko unamaphepha amabango kuwe okubangelwa ngumonakalo womlilo kwindawo oqeshisayo .
Ukuba usenokubangela ngengozi umlilo kwisakhiwo oqeshisayo, kwaye umnini-mhlaba uyakwenza umonakalo, umgaqo-nkqubo wakho wemfanelo kufuneka ubhalele ibango. Nangona kunjalo, ukuba uthenge inshuwalense yomlilo egameni lomnini-mnini, loo inshurensi iya kuqala. Umgaqo-nkqubo wakho woxanduva uya kusebenza njengenkcazo yesibini.
EziPrayimari nabangabonakaliyo
Kwimimiselo yangaphambili, i-Properties Properties idinga ukufihlaka kweprayimari ngaphantsi komgaqo-mfanelo we-spa nangona umgaqo-nkqubo sele usephambili. Ngoba? INkulumbuso ixhalabele malunga nokuzibophelela kwayo.
INkulumbuso ithe ithenge umgaqo-nkqubo wokuzibophelela ukuzikhusela kwiimangalo ezibangelwa ukunganyaniseki okwenzayo kwiqumrhu layo loshishino. INkulumbuso ayifuni imida yayo yomgaqo-nkqubo isetyenziselwe ukuhlawula amabango avela ngaphandle kokunyaniseka okwenziwe yiBhunga elihle. INkulumbuso ifuna ukuqinisekisa ukuba xa ityala ngenxa yengozi ebangelwa ukunganakwa kwe-spa, umgaqo-nkqubo we-spa liza kubhalela ibango. INkulumbuso iphinda ifune ukuqinisekisa ukuba umgaqo-nkqubo awuyi kuhlawula nayiphi na inxalenye yelahleko.
Ulwimi olungundoqo kunye nolunobunikazi kwisivumelwano luyilungiselele ukukhusela ukukhutshwa kwecala leNkulumbuso. Iqinisekisa ukuba ukuba ibango lifakwe kwiNkulumbuso elibangelwa ukunganakwa kwe-spa:
- ibango liya kuhlawulwa ngumgaqo-mfanelo we-spa; kwaye
- Umshuwalense we-spa akayi kubuza i-Premier insured insurance insurer ukufaka isandla kwilahleko yentlawulo
Ukubambisa okuPrayimari kunye nokungabikho
Umgaqo-mboleko oqhelekileyo awusebenzisi igama elingabonakaliyo . Ngaloo ndlela, xa isivumelwano sibonisa ukuba i-coverage duty must be primary and non-contributory, isiqinisekiso sokuqala kunye nokungabikho komsebenzi kufuneka songezwe kumgaqo-nkqubo.
Ukuvunyelwa kubonelela ngeenjongo ezimbini. Okokuqala, kuqinisekisa ukuba uhlahlo lwabiwo-mali olunikezelweyo olongezelelweyo lukhuselekile. Oko kukuthi, ukuba ibango lenzeke lifunyenwe ngokuqinisekisiwe okongeziweyo, umshuwalense uya kuhlawula ilahleko ngaphandle kokulinda i-inshurensi eyongezelelweyo yokuhlawula.
Okwesibini, ukuvuma ukuqinisekisile ukuba umgcini-mali wesiqinisekiso-mali angeke afune igalelo evela kwezinye iinshurensi ezikhoyo kwi-insured eyongezelelweyo.
Ngamanye amagama, ukuba ilahleko ifunyenwe ngokuqinisekisiwe okongeziweyo, umgcini-mali wesiqinisekiso-mali angeke acele enye inshurensi yomshuwalense ukuhlawula nayiphi na inxalenye yalo.
Ingaba isebenza kanjani
Umzekelo olandelayo ubonisa indlela ukuxhasa okuphambili kunye nokungabikho kwamalungelo okukhusela ukukhusela i-insured eyongezelelweyo kunye ne-insurer.
UJane ungumthengi weBhunga elihle. Ngelinye ilanga, uJane usondela kwi-spa xa ehamba ngesiqwenga sokukhupha ngaphandle kwe-spa front door. UJane uyawa, aphule isangqa sakhe. UJane uthatha iCorporated Properties Properties for injury injection , egxeka ukuba bobabini babenganaki. I-suit yayo igxeka ukuba abasebenzi be-spa babesazi i-carpet yeenyanga, kodwa bengenzanga nto yokuqeda ingozi. I-suit nayo iqinisekisa ukuba i-Premier Properties yayinoxanduva lokugcina iphephethi kodwa ayizange ikwenze.
Iimpawu zeNkulumbuso zibhalwe njenge-insured eyongezelelweyo kwisiqinisekiso esiphathelene nomgaqo-nkqubo weNyala eNhle. Ukwamukelwa kuhlanganisa uxanduva lweNkulumbuso yobunini, ukugcinwa okanye ukusetyenziswa kwesahlulo sakhiwo esiqeshwe kwiQumrhu Elihle. Umgaqo-mfanelo we-spa uquka ukugunyazwa okuphambili kunye nokungabonakali .
IBhete ithumela umgwebo kwi-insurer yakhe yemfanelo. I-suit iya kugqitywa i-$ 20,000. Umshuwalense uhlawula i-$ 10,000 egameni le-spa kunye ne-$ 10,000 egameni leNkulumbuso Properties. Xa i-inshurensi yaseBhete ihlawule umhlala-phantsi, ayiyi kuzama ukubuyisela ukuhlawula ilahleko yayo ngokuxhomekeka kumnini womnini okanye umnini-mboleko wayo. Umshuwalense waseBhete uvumelekile ngokuvuma ukuba ayiyi kufuna igalelo kuyo nayiphi na inshurensi ekhoyo kwiiNkulumbuso iimpahla.