Injongo
Iideductibles zikhonza iinjongo eziliqela. Okokuqala, banceda ukugcina i-inshorensi efikelelekayo. Amabango amancinci ayabiza ukwenza. Iindleko zokulungiswa kwazo zingaphaya kwexabiso elihlawulwe kumnini-nkqubo. Ukuba ama- inshorensi ayadingeka ukuba ahlawule yonke ilahleko encinane yepropati, indleko yomshuwalense iya kwanda.
Iideductibles zibuye zinikeze ezinye izinto eziguquguqukayo kumthengi we-inshorensi. I-deductible yintlobo ye- self-inshurensi . Umnini-nkqubo unganciphisa i-premium yakhe ngokukhetha i-deductible ephezulu. Umnini-nkqubo unako utyalo imali yokugcina imali kwi-shishini. Ekugqibeleni, iinqununu ziyakhuthaza abaphathi bemigaqo-nkqubo ukuba benze ulawulo olufanelekileyo lokubeka ingozi. Abanikazi bepropati banakho ukukhusela impahla yabo kumonakalo ukuba bayazi ukuba kuya kufuneka bathathe inxalenye yoluphi na ukulahlekelwa okwenzekayo.
Iintlobo zintathu zedalucable zifumaneka kwiinkqubo zorhwebo zepropati: amaxabiso athathekayo, ipesenti zokunciphisa, kunye namaxesha okulinda.
I-Flat Deductible
Uninzi lwemigaqo-nkqubo yepropati ifaka i-flat deductible (ebizwa ngokuba yi-straight deductible). Ixabiso elichithwayo lixabiso elithile elichanekileyo elisebenza kwilahleko nganye. Ikhutshwe kwixabiso lokulahlekelwa. Imali eseleyo ihlawulwa yi-inshurensi.
Ngokomzekelo, cinga ukuba umgaqo-nkqubo wakho uquka i-$ 2,500 echithwayo kunye ne-250,000 umda.
Ipropati yakho ifaka i $ 50,000 yokulahlekelwa ngumlilo. Ukucinga ukuba akukho mali ye-coinsurance esebenzayo, umshwalimali wakho uya kuhlawula i-47,500 zamaRandi ($ 50,000-$ 2,500). Ukuba ukulahlekelwa kukuxhomekeke kwi-coinsurance, wakho umgcini-mali uya kugqiba ukuba imida yakho iyanele. Ukuba akunjalo, umgcini-mali uya kunciphisa ilahleko yakho yomshuwalense ngohlwayo lwe - coinsurance .
Umshurensi uza kuhlawula umahluko phakathi kwexabiso elilahlekileyo elilahlekileyo kunye ne-$ 2,500 yakho echithwayo.
I-flat deductible isebenza kwimeko nganye. Ukuba ngaphezulu kweyodwa kwenzeka ngexesha lepolisi, i-deductible iya kusetyenziswa ngokwahlukileyo nganye. Ngokomzekelo, xelela ukuba isakhiwo esiqinisekisiwe sonakaliswe yizinto eziphambeneyo. Kwinyanga enye kamva isakhiwo sonakaliswe ngumlilo. Ukutshatyalaliswa komlilo nomlilo kwakukho iziganeko ezimbini ezihlukeneyo. Ngaloo ndlela, i-deductible isebenza ngokwahlukileyo nganye.
Ipesenteji eDeductible
Ipesenteji echithwayo isoloko isebenza kwiingozi ezibangelwa ukulahlekelwa yintlekele. Imizekelo inyikima nokukhuphuka komlilo. Xa ezi ngozi zihlanganiswe kwaye ilahleko ivela, ukulahleka kuncitshiswe ngumrhumo ochithwayo osebenza kwipesenti. I-deductible inokuba yipesenti yomda okanye ixabiso lepropati ewonakalisiweyo.
Ngokomzekelo, cinga ukuba isakhiwo siqinisekisiwe ngenyikima enomyinge we-$ 500,000. Ukukhutshwa komhlaba kuncike kwi-deductible ye-15% yomda wokwakha. Isakhiwo senza ama-250,000 angama- $ 250,000 ngomonakalo wenyikima. Umshuwalense uhlawula i-175,000 yeeyure ($ 250,000 - $ 75,000).
Ukulahleka okubangelwa ziziphepho, ezinye izivunguvungu okanye isichotho sinokuxhomekeka kwipesenteji ezichithwayo.
Iziqhamo ezithintekayo ziqhelekile ekuthiwa umda we-Atlantic okanye iGulf Coast. Iingqungquthela ezinqabileyo zisebenza kumonakalo obangelwa ziziphepho kuphela (kungekhona ezinye iintlobo zomoya). Yintoni eyenza isiphepho sinokumiselwa ngumgaqo-nkqubo okanye ngomthetho welizwe. Ngokuqhelekileyo, isiqhwithi somoya asithathwa njengesiphepho size sichazwe njengaloo Nkqubo yeNkonzo yeSizwe. Iqhwithela echithwe ngokuqhelekileyo iboniswe njengepesenti yenani le-insured yesakhiwo.
Kweminye imigaqo-nkqubo yepropati ingaquka umoya okanye umoya / isichotho esinokutsalwa. Umoya ochithwayo usebenza kumonakalo obangelwa nayiphi na uhlobo lomoya (iphepho, inqabunga, imimoya eqondekileyo njl.). Umoya / isichotho esinokutshatyalaliswa kusebenza kumonakalo obangela umoya okanye isichotho . Umoya okanye umoya / isichotho esinokutshatyalaliswa ngokuqhelekileyo ipesenti yexabiso lesakhiwo esiqinisekisiwe.
Ixesha lokulinda
Uninzi lweefom zepolisi ye ngeniso alisebenzisi igama elithi "deductible." Nangona kunjalo, zingabandakanya uhlobo lokutsalwa kwexesha elibizwa ngokuba lixesha lokulinda . Ixesha lokulinda lixesha lexesha elimele liwele ngaphambi kokuba kuqwalaselwe. Isikhathi sokulinda ingeniso yoshishino ngamahora angama-72 (iintsuku ezi-3). Ingeniso olahlekileyo ngexesha lokulinda ayifakwe. Ixesha lokulinda lisebenza nakwi- Civil Authority .