Yintoni yoQinisekiso?
Isigatshana se-coinsurance sibonakala kwiimeko zequmrhu lomgaqo-nkqubo wepropati. Injongo yalo kukukhuthaza abanikazi bepropati ukuba bathenge inani elaneleyo le-inshurensi. Ukuba ilahleko ivela, isigatya siyabagweba abanikazi bamaphepha-nkqubo abaye baxhasa ipropati yabo ngokubanyanzelisa ukuba babe "bahlalutyi." Oku kuthetha ukuba abanini beemigaqo-nkqubo kufuneka bahlawule inxalenye yelahleko ngokwabo.
Ukuba i-coinsurance isebenzayo kwipropati yakho, ipesenti ye-coinsurance, njengama-80 ekhulwini okanye i-90 ekhulwini, kufuneka ibonakale kwiimpapasho zepropati. Ipesenti ibonisa inani lomshuwalense omele ulondoloze. Le mali ibonakaliswe njengepesenti yexabiso lepropati yakho.
Ngokomzekelo, cinga ukuba uye wathenga umgaqo-nkqubo wepropati wentengiso oquka ipesenti ye-90% ye-coinsurance. Umgaqo-nkqubo uphawula isakhiwo sakho kunye nepropati yakho, exabiswa kwi-$ 2 yezigidi kunye ne-$ 500,000 ngokulandelanayo.
Ukuze ukwanelise imeko ye-coinsurance kufuneka uqiniseke isakhiwo sakho ubuncinane kwiR8,8 yezigidi (iipesenti ezingama-90 zeedola ezigidi ezi-2). Ngokufanayo, kufuneka uqinisekise ipropati yakho ubuncinane ama-450,000 (ama-90 ekhulwini ama-500,000).
Ixesha leNkundla
Ingxaki ephambili kunye negatya le-coinsurance lixesha lohlwayo.
Umshwalense wakho uhlalutya imida yakho yomgaqo-nkqubo ngexesha lokulahlekelwa yilahleko . Kwimimiselo yangaphambili, unelisekile iimfuno zemali-mali kumgaqo-nkqubo xa uthenge ukuhlawula. Sekunjalo, ipropati yakho inokunyuka kwixabiso ngelixesha lomgaqo-nkqubo. Ukuba ilahleko ivela kwaye ungaphumeleli ukuthenga i-coverage eyongezelelweyo, umda wakho ungasweleki kwixabiso elifunekayo ngumhlathi we-coinsurance. Ukuba imida yakho ayinelisekile, uya kuba phantsi kwesigwebo se-coinsurance.
Kukho izizathu ezenza ukuba ipropati yakho inyuke ngexabiso. Mhlawumbi ufumene ipropati entsha , njengefenitshala okanye izixhobo zeekhomputha, ongezakho xa umgaqo-nkqubo wakho ukhutshwa. Izakhiwo zinokunyuka kwixabiso ngelixesha lomgaqo-nkqubo ngenxa yokunyuka kwamaxabiso, ukwanda kweendleko zokwakha, okanye i-market real estate market. Unokuba ungaqapheli ukuba ixabiso lepropati yakho linyuswe de ilahleka.
Ixabiso leMvumelwano eliVunyelweyo
Njengoko igama layo libonisa, ixabiso elivunyelweneyo lixabiso lepropati wena kunye nomshuwalense wakho uyavumelana ngalo ekuqaleni kwexesha lakho lomgaqo-nkqubo. Ukufumana ukuxhaswa ngokusekelwe kwixabiso elivunyelweneyo, kufuneka ungenise ingxelo yexabiso kwi-insurer yakho ngaphambi kokuba umgaqo-nkqubo wakho uqale okanye uvuselele. Isitethi semigangatho yoluhlu lwepropati yakho ye-inshurensi (izakhiwo kunye nepropati yakho) equka intengo yento nganye.
Ixabiso lepropati kufuneka lichazwe ngokweendleko zokutshintsha okanye ixabiso langempela lemali, nayiphi na into esebenzayo phantsi komgaqo-nkqubo wakho.
Isitatimende semigangatho ngokuqhelekileyo silungiselelwe kwifom ye-ISO efanelekileyo okanye kwifom efanayo ifumanek Buza i- arhente yakho okanye umthengisi ukuba uncede ukuba ufuna uncedo lokuzalisa ifom.
Emva kokuba unikezele inkcazo yexabiso kwi-insurer yakho, isigatya se-coinsurance kwipolisi yakho siya kumiswa kunyaka owodwa (ixesha lomgaqo-nkqubo wakho). Ukuba ilahleko ivela, ipropati yakho iya kuvavanywa ngokusekelwe kwixabiso elivunyelweneyo nje kuphela xa uqiniseke ipropati yakho kuloo mali. Ukuqhubela phambili ukuthengwa kwexabiso elivunyelweneyo kunyaka olandelayo, kufuneka ungenise intsha yexabiso ngaphambi kokuba umgaqo-nkqubo wakho ufike. Ukuba uyaphumelela ukubonelela enye, ukukhutshwa kwexabiso elivunyelweneyo kuya kuphelelwa kwaye icandelo le-coinsurance liya kutshaywa kwakhona.
Imilinganiselo kufuneka ixabiso elivunyelweneyo elilinganayo
Ukufumana ukhuseleko kwi-coinsurance phantsi kwesigatshana esivumelanisiweyo, kufuneka ugcine imida elinganayo neempawu ezivunyelweneyo. Oko kukuthi, ukuba isitatimenti sakho sexabiso sichaza ukuba indleko yokutshintsha isakhiwo sakho i $ 2 yezigidi, kufuneka ugcine umda wokwakha ubuncinane ubuncinane be-$ 2 yezigidi. Ukuba kukho ilahleko kwaye uhlulekile ukugcina imida eboniswe kwingxelo yakho yexabiso, unokuthi unamathele ukuhlawula isahlulo sokulahlekelwa.
Ngaphantsi kwesigatshana sokubaluleka esivumelweneyo, ininzi yakho i-inshurensi iya kuhlawula ilahleko eyakhiweyo yepropati leyo inxalenye yokuba umda waloo propati uhamba nexabiso elivunyelwene naloo propati eboniswe kwingxelo yexabiso. Ngokomzekelo, cinga ukuba unesakhiwo osikhusele sona kwisiseko sendleko yokutshintsha. Uqiniseke isakhiwo sakho kumda we $ 1.5 yezigidi. Nangona kunjalo, isitatimenti sakho semilinganiselo sibonisa ukuba indleko yokutshintshwa kwesakhiwo sakho i $ 2 yezigidi. Umgaqo-nkqubo wakho uquka i-$ 1000 echithwayo .
Isichotho esinzima esibangela ukuba umonakalo we-$ 100,000 ophahleni lwesakhiwo sakho. I-insurer yakho iya kuqhathanisa ixabiso elivunyelweneyo lesakhiwo sakho kumda kumgaqo-nkqubo wakho. Ngenxa yokuba uncedise isakhiwo sakho nge-$ 500,000, umshwalimali wakho akayi kuhlawula ilahleko yakho ngokupheleleyo. Kunoko, kuya kuhlawula kuphela ii-74,000 zamaRandi. Nantsi ukubala:
I-1.5 million yezigidi (umda wakho wokwakha) ulwabiwe i-$ 2 yezigidi (ixabiso elivunyelweneyo) = .75
.75 amawaka 100,000 (inani lokulahlekelwa) = $ 75,000
Iingama-75,000 zamaRandi ezingaphantsi kwe-$ 1,000 deductible = $ 74,000
Umvuzo Wentengiso
Inketho yokubhengezwa kwexabiso elivunyelweneyo iyafumaneka kwakhona phantsi kwe- inshorensi yengeniso yoshishino . Xa le ntengiso ithengiwe, isigatya se-coinsurance esifumene kwifom ye ngeniso yoshishino ayisebenzisi.
Ukuba unqwenela ukuqalisa ukubhengezwa kwexabiso elivunyelweneyo, kufuneka uxelele umgcini-mali wakho. Kufuneka ungenise iphepha lokusebenzela lokufumana ingeniso elibonisa iinkcitho zakho ezixeliweyo kunye neendleko zokusebenza nganye kwezi zinto zilandelayo:
- Iinyanga ezilishumi elinesibhozo ngaphambi komhla kwiphepha lokusebenzela
- Iinyanga ezilishumi elinesibhozo ezalandela ukuqaliswa kokuthengwa kwexabiso elivunyelweneyo (ngokuqhelekileyo umhla wokuqalisa komgaqo-nkqubo)
Ukuze uqhubeke nenketho lenani elivunyelwanayo ngonyaka, kufuneka ufake intsha yokufumana iphepha lokufumana imali ngaphambi kokuba umgaqo-nkqubo uphinde uvuselele. Ukuba ukhethe le nketho phantsi kwinshuwalense yengeniso yoshishino, ixabiso elivunyelweneyo kufuneka lifakwe kwicandelo lokuvakalisa umgaqo-nkqubo wakho wepropati. Eli xabiso limele lilingane nepesenti ze-coinsurance eziboniswe kwizivakalisi ezongeziweyo ngenani lakho elihlawulwayo kunye neendleko (item # 2 ngasentla).
Ngokomzekelo, cinga ukuba ukufumana ingeniso yoshishino lakho kuxhomekeke kwi-50% ye-coinsurance. Ingeniso yakho ehlawulwayo kunye neendleko kwiinyanga ezili-12 ezizayo i-$ 1 yezigidi. Umyinge wakho wemali umyinge kufuneka ube ngu-$ 500,000 (ama-50 ekhulwini e-$ 1 yezigidi). Ukuba uhlala ulahlekelwa yerhafu ye-100 000 kunye neyomyinge wakho wokunciphisa intlawulo ubuncinane ubuncinane be-$ 500,000, akukho mali iya kusebenza. Ilahleko lakho le-100,000 elilahlekileyo kufuneka lihlawulwe ngokugcwele (ukuba akukho nkunkuma esebenzayo).
Kwimimiselo yangaphambili, cinga ukuba umyinge wakho wemali yempesheni i-$ 400,000 kuphela. Uhlulekile ukuthenga umda ofunekayo we-inshurensi. Ininzi yakho inshurensi iya kuhlawula i-$ 80,000, ibalwa ngolu hlobo lulandelayo:
Umyinge wama-400,000 umda ohlukaniswe ngama-500,000 exabiso elivunyelweneyo = .80
Amawaka angama-100,000 alahlekelwayo .80 = $ 800,000