Indlela Abasebenza ngayo
Ukuhlawulwa kwembuyekezo encinci yabasebenzi kufana ne-deductibles esetyenziswe kwipropati yorhwebo kunye ne-inshuwalense yomonakalo yomzimba . I-deductible ibonisa inani lelahleko elokuba wena (umgcini-mgaqo-nkqubo) uhlawule kwi-pocket. Ngokomzekelo, cinga ukuba isinxephezelo sakho semisebenzi esicatshulwayo yi-$ 1,000 kwiindleko zonyango kuphela.
Ukuba ibango lidala i-$ 5,000 kwiindleko zonyango, isabelo sakho sokulahlekelwa siya kuba yi-$ 1,000. I-insurer yakho iya kuhlawula i-$ 4,000 ekhoyo.
Ngaphantsi kweprogram encinciweyo, uthatha isahlulo selahleko nganye ngokutshintshiselwa ukunciphisa i-premium yakho. I-deductible iyasebenza kwibango ngalinye. Ngokuxhomekeke kwilizwe, lingafaka isicelo kwiindleko zonyango kuphela okanye kwiindleko zonyango kunye neentlawulo (ukukhubazeka). Amanye amazwe avumele ukuba ufake iindleko zokulungiswa kwelahleko kunye.
I-deductible encinci ayichaphazeli inkqubo yokuphatha ibango. I-insurer yakho ilawula ibango ngendlela eqhelekileyo. Iphanda ukulimala okanye ukugula kunye nokuhlawula ababoneleli ngonyango. Ihlawula izibonelelo zokukhubazeka kwabasebenzi abafanelekileyo. Ukuba ibango elibandakanyiweyo libandakanya umgwebo, umgcini-mali uyahlawula iindleko zokukhusela kunye nemonakalo enikezwe ngumqeshwa. Umshurensi ke uhlawula i-part deductible yebango.
Ukufaneleka
Kwamanye amazwe, abahlawuli bembuyekezo ngabasebenzi banyanzelekile ukuba banikele isicwangciso esincinci esincinci kubo bonke abaqeshi.
Kwamanye amazwe, i-insurers ivumelekile, kodwa ayimfuneko, ukuba inikeze i-deductible. Kwamanye amazwe, i-insurers kufuneka inikezele ngokuxhomekeka kuphela xa umnini-nkqubo ecela enye.
Amaphulo amancinci athatywayo angaba neemfuno zokufaneleka. Ngokomzekelo, umthetho welizwe ungadinga i-premium yonyaka, njengama-$ 5,000.
Ezinye iindawo zifuna umphathi-nkqubo ukuba anikeze ukhuseleko, njengetekethi engaphendukiyo yekhredithi. Kwamanye amazwe, i-insurers inganquma ukufaneleka ngokusekelwe kwimithetho yabo yokubhala phantsi.
Kwiindawo ezininzi ezihluthayo zivunyelwe kuphela kwimigaqo ebhaliweyo kwiimarike ezithandayo. Nangona kunjalo, ezinye ibuye zivumele iincinci ezincinci kwimigaqo-nkqubo ebhaliweyo kwiprogram enikezelwe yingozi .
Ubukhulu beDeductible
Yintoni eyenza "incinci" echithwayo iyahluka ukusuka kwilizwe ukuya kwilizwe. Inokuba yinto encinci njenge-$ 100 okanye inkulu njenge $ 75,000. Ngokuqhelekileyo, i-deductible encinci isuka kwi-500 ukuya kwi-5,000. Uninzi luchaza izinto ezithile, ezifana ne-$ 500 ukuya kwii-2 500 zama-$ angaphezulu kwama-500. Kwamanye amazwe, i-insurers inokunikela ngeenketho ezongezelelweyo (ezifana ne-$ 7,500 ezichithwayo) xa zifumana imvume kwi-arhente yokulawula i-state.
Amaninzi amaninzi anika izicwangciso ezinkulu ezichithwayo. I-deductible enkulu yinhlobo ye- self-inshurensi . Izicwangciso ezinkulu ezichithwayo zineemfuno ezahlukileyo kunezinye zazo ezincinci. Izicwangciso ezinkulu ezichithwayo zijoliswe kubaqeshi abakhulu abanamandla okuhlawula inxalenye enkulu yelahleko ngaphandle kwepokothini. I-deductible enkulu ihlala i-$ 100,000 okanye ngaphezulu.
INkcazo yeNkcazo
Isaphulelo oyifumanayo esincinci esincinci sincike kakhulu kwizinto ezimbini.
Iyokuqala yinto ekhethiweyo oyikhethayo. I-$ 2,500 echithwayo iya kukunika inkokhelo enkulu ngaphezu kwe-$ 500 echithwayo.
Isibini sibini uhlobo lweshishini osebenza ngalo. Kwi-inshurensi yembuyekezo yomshuwalense, abaqeshi banikezelwa omnye okanye ngaphezulu. Ukwahlula ngalunye kunemodeli eneempawu ezine. Ngaphantsi kwezicwangciso ezincinci ezichithwayo, abaqeshi bahlukaniswe ngamaqela ezinobungozi ngokusekelwe kwiikhowudi zabo zodidi. Ukuhlelwa kweengozi ephantsi kufumana inkokhelo enkulu kunokuba yingozi. Ngokomzekelo, abasebenzi beeofisi zeeofisi (i-classic hazard class) baya kufumana i-kredithi enkulu kuneemithi eziqingqiweyo (i-class high risk). Ikhowudi yeklasi eyabelwe iqela eliyingozi ngokuqhelekileyo udidi lolawulo (udidi oluchaza kakuhle ishishini lakho).
Ukuvavanya kwamava
Amazwe ayahluka ngendlela ababala ngayo amava okuguqula abaqeshi kwizicwangciso ezichithwayo.
Kwamanye amazwe, yonke imali yokulahlekelwa, kuquka i-portion ye-deductible, ifakwe kwi- rating rating . Ezinye iifayile azibandakanyi imali echithwayo. Xa iintlawulo ozenzayo kwi-deductible azibandakanyi kwifomula yokulinganisa amava, i-modifier yakho yamava ngokubanzi iya kuba ngaphantsi kunokuba kungabikho kwe-deductible.
Ukuhlawulwa kweeDeductible
Ngalo lonke ilahleko oyenzayo, unyanzelekile ukuba ubuyisele imali yakho ye-inshurensi inani le-deductible. Kwinkoliso ezininzi, ukungaphumeleli ukubuyisela imali ehlawulelweyo kuphathwa ngendlela efana neyokuhluleka ukuhlawula i-premium. Oku kuthetha ukuba i-inshurensi ingawususa umgaqo-nkqubo wakho wokungahlawulwanga xa unikezela isaziso seenombolo ezifunwa ngumthetho.