Ngenxa yokulula, siya kuthatha ukuba yonke indawo echazwe kule mizekelo ilandelayo ifakwe kwisibambiso kwisiseko seendleko zokutshintshwa kwi-100% yexabiso layo (oku kuthetha ukuba akukho mali ifumaneka ). Siya kuhoxisa iidroxable .
Umda othe ngqo
Umda othile ngumda ngamnye osebenza kwintlobo ethile yepropati.
Ukuba loo propati yonakaliswe okanye ibhujiswe ngengozi ekhuselekileyo, ininzi i-inshurensi iya kuhlawula loo propati ngumda othile.
Ngokomzekelo, ukuba unesakhiwo soshishino kunye nepropati yakho yoshishino (BPP) esendaweni enye. Ixabiso lokubuyisela isakhiwo yi-$ 1 yezigidi ngelixa iindleko zokutshintsha i-BPP yakho yi-$ 500,000. Uqinisekisa isohlwayo phantsi komgaqo-nkqubo oquka imida eyahlukeneyo ye-$ 1 yezigidi kwisakhiwo kunye ne-$ 500,000 kwi-BPP.
Ibhokotshi
Umda wengubo usebenza kwimihlaba engaphezu kweyodwa kwipropati kwindawo enye, okanye kwindawo efanayo kwipropati kwiindawo ezininzi. Inokusetyenziswa kwakhona kuzo zonke iintlobo zepropati kwiindawo ezininzi.
Kwimeko yangaphambili, cinga ukuba uqinisekisa isiqalo sakho kunye ne-BPP phantsi komgaqo-nkqubo wepropati equka umda weengubo. Kule meko, umgaqo-nkqubo uza kubonisa umda we-1.5 million yezigidi ezisebenza kwizakhiwo zombini kunye ne-BPP yakho.
Lo mda uya kufumaneka ukuba isakhiwo sakho, impahla yakho okanye zombini iintlobo zepropati zonakaliswe okanye zonakaliswe yingozi.
Ngoku khawuthethe ukuba izakhiwo zakho zorhwebo ezimbini ezikuzo ndawo ezahlukileyo. Isakhiwo ngasinye sinepropati yomntu. Iindleko zokutshintsha indawo yendawo:
Indawo # 1: i-$ 1 yezigidi zesakhiwo kunye ne-$ 500,000 kwi-BPP
Indawo # 2: i-$ 1.5 yezigidi kwisakhiwo kunye ne-700,000 ye-BPP
Ukuba ufuna ukuqinisekisa ipropati ngemida yeembotyi, unokhetho ezintathu.
- Imilinganiselo eyahlukileyo yeZakhiwo kunye ne-BPP Unokukhetha umda we-blank 2,5 million weZakhiwo kunye ne-$ 1.2 yezigidi zeengubo zeBPP. Umda wokwakha uya kusebenza kwizakhiwo zombini. Umda weBPP uza kusebenza kwi-BPP kwiindawo zombini.
- I-Blanket eyahlukileyo yeNdawo nganye Ngenye indlela, unokukhetha umda we-blanket we-$ 1.5 yezigidi kwisakhiwo kunye ne-BPP kwindawo ye-# 1. Umda wengubo we-blank 2.2 yezigidi uza kufaka isicelo kwisakhiwo kunye ne-BPP kwindawo ye-# 2.
- I-Blanket engabalulekanga yezoNdawo zoLuntu Ikhetho lesithathu ngumlinganiselo ongaphantsi we-3.7 wezigidi ezisebenza kwiZakhiwo kunye ne-BPP kwiindawo zombini.
Inzuzo yeBlackank Limit
Xa ukhetha umda wengubo, umda wonke ufumaneke ukulahlekelwa yipropati ephantsi komda. Umda wengubo unika inzuzo enkulu kunomda owodwa ukuba ezinye zepropati yakho zanda ngexabiso emva kokuba umgaqo-nkqubo uqale. Ngokomzekelo, cinga ukuba ukhetha umda owodwa wengubo eyi-3.7 yezigidi ukufihla izakhiwo kunye nepropati yakho eyakho kwiindawo zakho ezimbini.
Iinyanga ezintathu kwixesha lomgaqo-nkqubo uthenga ezinye izixhobo ozigcina kwiNdawo # 1. Ixabiso lokutshintshwa kweBPP yakho kwindawo engu-1 ngoku i $ 650,000.
Emva kobusuku obunye busuku kubangela umlilo kwisakhiwo kwi-Indawo # 1. Isakhiwo kunye nazo zonke iziqulatho zayo ziyachithwa. Nangona ixabiso leBPP yakho likhulu kunelokuqala komgaqo-nkqubo wakho , ilahleko ihlanganiswe. Isixa sokulahleka (i-$ 1,650,000) singaphantsi kwesiqingatha seengubo ze-blank 3.7 yezigidi.
Nantsi omnye umzekelo obonisa ukubaluleka komda wengubo. Masithi unyule ukuqinisekisa ipropati yakho ngemida emine ethile:
- Ukwakha kwiNdawo # 1: i-$ 1 yezigidi
- Ukwakha kwiNgingqi # 2: i-$ 1.5 yezigidi
- I-BPP kwindawo ye-# 1: $ 500,000
- I-BPP kwindawo ye-# 2: i-$ 700,000
Xa isakhiwo sakho sitshisa kwindawo ye-# 1, inani lokulahlekelwa kwepropati yakho ($ 650,000) lidlula umda wakho nge $ 150,000.
Uya kufuneka uhlawule i $ 150,000.
Ukuba ukhetha imida ethile, qiniseka ukuba ngamnye uyanele. Qinisekisa ukwandisa umda wakho ukuba ufumana ipropati eyongezelelweyo okanye wenze uphuculo lwepropati ngexesha lenkqubo. Ngaphandle koko, umda wakho awuvumelekanga ukufihla ilahleko.
Amanqaku angaphezulu
Nazi izimbalwa ezimbalwa ezikhunjulwayo malunga nemida yokulala.
- Ukukhutshwa kwepropati equka umgca wengubo yindleko ebiza kakhulu kunokuba igalelo lisekelwe kwimida ethile.
- I-Coinsurance iya kusebenza xa uqinisekisa ipropati yakho ngaphantsi kwe-100% yexabiso layo. Ngokuqhelekileyo, umda wengubo ufumaneka kuphela xa uqinisekisa ipropati yakho ubuncinane kwi-90% yexabiso layo.
- Kungakhathaliseki ukuba uluhlobo luni lomda oyikhethayo, luyakuthi luxhomekeke kwi-deductible.
- Umgaqo-nkqubo wepropati ungabandakanya zombini ingubo kunye nemida ethile. Ngokomzekelo, umda wengubo ungasebenza kwizakhiwo ngelixa umda othile usebenza kwisakhiwo somntu.
Qaphela umhlathi weMargin!
Ekugqibeleni, abanye abatshutshisi baya kwongeza isigatya somgama kumgaqo-nkqubo onomgca wengubo. Eli gatya libandakanywa ngokuvuma. Iyanciphisa imali oyifumanayo kwi-inshurensi yakho ukuba ipropati yakho ixhasa ilahleko enkulu. Ukuba ufumana isigatya somgama esixhomekeke kumgaqo-nkqubo wakho wepropathi, cela umgcini-mali wakho ukuba uyisuse.