Ingakanani Umvuzo Wokufumana Imali Ngaba Uyawufuna?

Qaphela izigwebo zeConinsurance

Ukuba ungumnini-shishini oye wagqiba ekubeni uthenge ukukhutshwa kwengeniso yebhizinisi , uya kuhlangabezana nesingxaki. Nguwuphi umda we-inshorensi omele uyithenge? Ukuphendula lo mbuzo unokuba lukhohlisayo njengoko kufuna ezinye izibalo ezinzima.

Iiprojekthi ezifunekayo

Ilahleko zentlawulo yezoshishino zibalwa ngokusekelwe kwinani lentlawulo yakho yenkampani yakho elahlekileyo ngexesha lakho ishishini livaliwe. Ininzi ye- inshurensi iya kuhlawula ilahleko yintsimi yomvuzo we-inshorensi.

Ukukhetha ukwanela umda, kufuneka wenze ezi zimbini zilandelayo:

1. Inani lemali engenayo inkampani yakho kulindeleke ukuba ivelise kwiinyanga ezilishumi elinesibini ezizayo. Umyinge wakho wemali ngeniso ibalwa ngokusekelwe kuqikelelo lwenzuzo yengomso.
2. Isixa sexesha oya kulufuna ukulungisa ipropati ewonakalisiweyo emva kokulahlekelwa ngumzimba. Okokuthi, ukuba ishishini lakho linyanzeliswa ukuba livale ngenxa yokuba ipropati yonakalisiwe, ingaba ufuna ixesha elingakanani ukulungisa nokufumana ibhizinisi lakho uphinde usebenze kwakhona? Kwi-inshurensi yengeniso yoshishino, eli xesha libizwa ngokuba lixesha lokubuyiselwa .

Ezi zicwangciso azilula ukwenza. Nangona kunjalo, zombini zibalulekile ekunqumeni inani elifanelekileyo lokunikwa kwenkampani yakho.

Inkcazo yeNgxowa-mali

Enye yemingeni yokuqala ekukhetheni umyinge wokufumana imali ukuqonda intsingiselo yengeniso yezoshishino . Ngaphantsi kwamafomu amaninzi kwingeniso yezoshishino (kubandakanywa iifom eziqhelekileyo ze- ISO ), eli gama lithetha isixa solu hlobo:

1. Imali engenayo, ithetha inzuzo okanye inkunkuma phambi kwentlawulo yengeniso
2. Iindleko zokusebenza eziqhelekileyo eziqhubekayo emva kokulahleka. Oku kuquka ukuhlawula umvuzo.

Ukuba ishishini lakho lifumana inzuzo ngokuqesha ipropati kwabanye, unokuquka okanye ungabandakanyi ingeniso yakho yokurenta ekubaleni kwerhafu yezoshishino. Xa ixabiso lokuqashisa lingabandakanywa ekubaleni, akukho nkonzo iza kunikwa ukulahlekelwa kwemali yengeniso.

Ukuba inkampani yakho ivelisa yonke yayo ingeniso kwiindawo zokuqashisa, ingeniso yakho yeshishini iya kuba neengeniso zentlawulo kuphela.

Ukubala iRhafu yeNkampani

Indlela echanekileyo yokuyila i-income-month month 12 yakho isebenzisa iphepha lokusebenzela lokufumana imali. Ungasebenzisa iphepha lokusebenzela eliqhelekileyo le-ISO okanye omnye olungiselelwe ngu-insurer yakho. Ukuba ufuna iphepha lokusebenzela, cela i- arhente yakho okanye umthengisi ukuba afumane enye yakho.

Iphepha lokusebenzela lichaza inkqubo yokunyathela ngamanyathelo okubala i-income income yakho. Isinyathelo sokuqala kukufumanisa ukuba ingeniso engakanani imali ebhizinisini lakho eliveliswe kwinyanga elishumi elinesibini elingaphambili. Emva koko, uqikelela umvuzo wakho kwiinyanga ezilishumi elinesibini. Unokwenza uqikelelo lwakho ngokulungiswa kwamanani akho eembali zeenyanga ezi-12 ukubonisa naluphi na utshintsho olulindele kunyaka ozayo. Ngokomzekelo, ukuba ulindele ukuthengisa kwakho kwanda ngeepesenti ezili-10, unokwandisa ingeniso yakho yengeniso ngokufanelekileyo.

Abanye abanikazi bamashishini banokufumana ifomethi yokufumana ingeniso. Ukuba iphepha lokusebenzela lidideka kakhulu, cela umgcini-akhawunti wakho ukuba awugqibelele.

Ukuqulunqa i-Period yokubuyisela

Emva kokuba usugqibile umvuzo wakho weenyanga ezili-12, kufuneka uqikelele ixesha lokubuyiselwa. Ukukhusela ishishini lakho, uqikelelo lwakho kufuneka lusekwe kwimeko enzima kakhulu.

Ngokomzekelo, ake sithi ungumnikazi wesakhiwo apho usebenza khona kwindawo yokugcina impahla. Ukuba isakhiwo sitshabalaliswa ngumlilo okanye ngqabunga, liza kuthatha ixesha elingakanani ukufumana ibhizinisi lakho kwakhona? Ukuhlaziya isakhiwo kubandakanya amanqanaba amaninzi. Okokuqala, isilungisi somshuwalense siya kuhlola ilahleko. Emva koko, uya kufuneka umqulunqi ukuyila isakhiwo esitsha kunye nekontraka ukwenza ukwakhiwa. Xa usuqwalasele onke amanyathelo abandakanyekayo ekwakhiweni kwakhona, unokuqikelela ukuba liza kuthatha ixesha elingakanani. Ixesha eliqikelelweyo lokubuyisela lingaba liinyanga ezintandathu, unyaka okanye ngaphezulu.

Qaphela i-Coinsurance Penalties!

Iifom zengeniso zamashishini amaninzi zibandakanya isigatya se-coinsurance . Eli gatya libeka isigwebo xa umda kumgaqo- nkqubo ungaphantsi kwemali efunekayo. I-Coinsurance isebenza kumgaqo-nkqubo wakho ukuba ipesenti ye-coinsurance ibhalwe kwiimpapasho.

Ipesenti ingaba naphi na kwi-50% ukuya kwi-125%. Ibonisa inani leminshurensi omele uyenze ukukhusela isigwebo.

Ngokomzekelo, cinga ukuba uthenge ingxowa-mali yokufumana ingeniso esekelwe kwingeniso yokufumana imali eyi-$ 1 yezigidi. Umgaqo-nkqubo uquka umfuno we-coinsurance wama-80%. Ukuze ugweme isohlwayo, kufuneka uthenge umyinge ubuncinane be-800,000 (.80 X $ 1 yezigidi). Uthenga kuphela i-700,000 yee-700 njengexabiso lokugcina imali.

Iinyanga ezintathu kwixesha lakho lomgaqo-nkqubo umlilo ogqitywe kwindawo yakho yokugcina. Umlilo ubonakalisa isakhiwo, kukuphoqe ukuba uvale ishishini lakho kwiiveki ezimbalwa. Ulahlekelwa ilahleko ye-175 000 yokulahlekelwa ngeniso ngenxa yokuvalwa. Unika ngaphantsi kwe-inshore yakho ukungeniswa kwe-$ 100,000. Nantsi indlela umshwalense wakho abala ngayo intlawulo yakho yokulahleka:

Inkokhelo enkulu yokulahlekelwa = inani elilahlekileyo X (umda uthenge / umda ofunekayo)

Imali ehlawulwa ngu-insurer yakho ihlawula = $ 175,000 X (700,000 / 800,000) okanye i-$ 153,125

Umele uhlawule i-$ 21,875 ekhoyo. Le mali ibonisa ukuhlawulwa kweengxowa-mali. Unokuphepha isigwebo ngokuthenga inani elifunekayo lokufumana ingeniso yoshishino. Enye inxaxheba kukugwema uhlalutyo lwemali ngokuthenga intlawulo yenkxaso-mali kwixabiso elivunyelweneyo .

Ukulungiswa kweNkulumbuso

Njengoko kuphawuliwe ngasentla, kubalulekile ukuthenga ukufumana ingeniso eyaneleyo yoshishino ngenjongo yokuphepha isigwebo se-coinsurance. Sekunjalo, kunokwenzeka ukuba uthenge i-inshorensi enkulu. Ukuba umda owathengayo udlula imali efunekayo yecandelo le-coinsurance, uya kuchitha imali kwi-inshurensi engasetyenziswa. I-Premium Adjustment Endorsement inikeza isisombululo kule ngxaki.

Ukwamukelwa kunika umbuyekezo xa umlinganiselo wakho wokufumana umvuzo ungaphezu kwexabiso elifunekayo ngumhlathi we-coinsurance. Kumele ufake iinkcazo ezimbini zeengeniso zentengo yebhankini yakho kwi-insurer yakho. Omnye makangeniswe xa umgaqo-nkqubo wakho uqala (okanye xa kuvunyelwene imvume). Iyesibini mazifakwe zingakapheli iintsuku ezingama-120 ukusuka ngomhla wokuphela komgaqo-nkqubo. I-insurer yakho iya kuqhathanisa umda owathengileyo kwimida yakho efunekayo ngokusekelwe kwixabiso lakho langempela. Ukuba umda owuthengile uwedlula umda ofunekayo, umgcini wakho we-inshurensi uza kubuyisa i-premium excess.