Izicwangciso zokwahlula zilawulwa yiminyango karhulumente yomshuwalense. Uninzi lwamazwe lifuna abaqinisekisi ukuba bangenise izicwangciso zabo kumlawuli we-inshorensi ukuze avunywe. Iindidi zezicwangciso ezikhoyo ziyahluka ukusuka kummandla ukuya kwilizwe kunye nakubharensi ukuya kubharensi. Abanye abaqinisekisayo basebenzisa izicwangciso zenziwe yi- NCCI ngelixa abanye basebenzisa izicwangciso zabo zokuthengisa.
Iimfuno zeNkulumbuso kunye neemfuno zokulahlekelwa
Ukuze ulungele isicwangciso sokwahlula, kufuneka udibanise ubuncinane be-premium threshold echazwe kwisicwangciso. Kwiiplani ezithile, ukufaneleka kwakho kunokuxhomekeke kwi-loss ratio yakho. Ixabiso lakho lokulahlekelwa libonakaliswa njengepesenti kwaye ibalwa ngokuhlula ilahleko zakho nge-premium yakho. Izibalo zokuhlula zixhomekeke kwimilinganiselo yakho yokulahlekelwa. Umvuzo wakho olahlekileyo ubala ngokuhlukanisa ilahleko zakho ezifunyenwe yi-premium yakho eyamkelekileyo kunyaka wenkqubo.
Ilahleko ezifunyenweyo kuthetha ukulahleka oye wakuxhasa ngexesha lepolisi. Ukubala ilahleko ezifunyenweyo, umgcini-mali uyafaka ezi zixa zintathu zilandelayo:
- Ilahleko ezihlawulwayo Le mali yempindiselo yabasebenzi i- insurer yakho sele sele ikhokhele kubasebenzi bakho ngenxa yokonakaliswa okwenziwe ngexesha lepolisi.
- Izibonelelo zokulahlekelwa Ezi ziqikelelo zeenzuzo ezizayo i-insurer yakho ilindele ukuhlawula ukwenzakaliswa kwabasebenzi ngexesha lepolisi.
- Iindleko zokuLungiswa koLungiso Lezi zindleko i-insurer yakho ifumaneke ukulungisa izibango ezibangelwa ukulimala okuqhubekayo kunyaka womgaqo-nkqubo. Ngokuqhelekileyo, i-insurer yakho iya kubandakanya kuphela ezo ndleko ezingabelwa ngamabango athile.
I- premium yakho efunyenwe yi-premium oye wathweswa umrhumo kunyaka-nkqubo ngokusekelwe kwirejista yakho yokuhlawula. Ubhaliso lwenkokhelo lwenu luzimisele ngokuphicothwa kokugqibela okugqitywa emva kokuba umgaqo-nkqubo usuphelile. Umzekelo olandelayo ubonisa indlela umvuzo wakho olahlekileyo ubale ngayo.
Cinga ukuba uhlawuliswe i-premium ye-$ 6,000 ngosuku lokuqalisa komgaqo-nkqubo wokuhlawulela abasebenzi owaqala ngoJuni 1, 2017. Umgaqo-nkqubo wakho waphela ngomhla ka-Juni 1, 2018. Kungekudala emva koko, umgcini-mboleko wakho wenza uhlolo-mali lokugqibela. Umgcini- zincwadi wakho we- premium umphicothi-zincwadi unqume ukuba ukuhlawula imali yakho kwandile ngexesha lepolisi, okwenza i-premium eyongezelelweyo ye-$ 1,000. I-premium yakho efunyenweyo kwithuba lepolisi yayingu-$ 7,000 (i-$ 6,000 yokuqala premium kunye ne-premium eyongezelelweyo ye-premium).
Umqeshwa wakho walimala ngexesha lomgaqo-nkqubo, kwaye i-insurer yakho ikhokhele u-$ 2,000 kwiintlawulo. Umshuwalense wakho wenza i-$ 300 kwiindleko zokulungelelanisa ibango. Ilahleko zakho ezenziweyo zange-$ 2,300 (i-$ 2,000 kunye ne-300). Umlinganiselo wakho wokulahleka kwipolisi yayingu-33% (i-$ 2,300 / i-7,000 zamawaka).
Iintlobo zeeNkqubo zoLwazi
Kukho iintlobo ezintathu eziphambili zezicwangciso zezahlulelo ezifumanekayo kubanikazi beshishini abancinci: iiplati, eziguquguqukileyo kunye nezicwangciso ezidibeneyo.
Izicwangciso zokuhlula
Isicwangciso sokuhlula isahlulo esihlawulayo sihlawula ipesenti ekhethiweyo ye-premium yakho yexesha eliphambili. Isihlawulelo sihlawulwa kungakhathaliseki ukuba namava akho alahlekelwe ngethuba lenkqubo.
Ngokomzekelo, ukuba uthe wabhalisa kwi-10% yesicwangciso sokwahlula isahlulo se-2017-2018. Emva kokuba umgaqo-nkqubo usuphelelwe yisikhathi, umshwalima wakho ubala i-premium yakho efunyenwe kwaye uhlawule igalelo le-10% yaloo mali. Ngokomzekelo, ukuba i-premium yakho eyimali i-$ 7,000, isabelo sakho siya kuba ngu-700. Ukulahlekelwa kwakho okwenzekayo ngonyaka we-2017-2018 awuyikuchaphazela ukufaneleka kwakho kwesahlulo sonyaka. Nangona kunjalo, amava alahlekelwe yimali anokukhusela ukuba ubhalise kwisicwangciso sokuhlawulela umnyaka-nkqubo we-2018-2019.
Isilinganiselo seSliding (Variable) Isicwangciso sokuHlahlulwa
Ngaphantsi kwesicwangciso sezahlulo esahlukisayo (esibizwa ngokuba nesicwangciso esincinci) isahlulo osifumana ekupheleni komgaqo-nkqubo kuxhomekeke kwi-premium yakho yexabiso kunye nelahleko yakho yokulahleka ngaloo nyaka.
Njengoko itheyibhile engezantsi ibonisa, isahlulo sikhula njengoko i-premium yakho iyanda kwaye ilahleko lakho lilahleka.
I-Premium eyayiNyaka
Ukulahlekelwa kwemali 5,000 ukuya ku-10 000 ukuya kwi-20 000 ukuya kwi-20,000 ukuya kwi-30 000 ukuya kwi-30 000 ukuya kwi-40,000
0 ukuya ku-10% 35% 38% 41% 44%
11 ukuya kuma-20% 31% 34% 37% 37% 41%
21 ukuya kwi-30% 27% 30% 33% 33%
31 ukuya ku-40% 23% 26% 26% 29% 32%
41 ukuya ku-50% 10 11 12 13
Ngaphezu kwama-50% 0 0 0 0
Ukubona indlela isicwangciso esilinganiselweyo sesicwangciso sisebenza ngayo, cinga ukuba i-premium yakho efunyenwe ngonyaka we-2017-2018 yayiyi-$ 19,000 kwaye ilahleko yakho yokulahlekelwa yayiyi-zero. Ngokusekelwe kwisati ekhankanywe ngasentla, isahlulelo sakho siza kuba ngama-38% wama-19,000 okanye i-$ 7,220. Ukuba ilahleko yakho yayiyi-15%, isabelo sakho siya kuba ngu-34% wama-19,000 okanye i-$ 6,460. Awuyi kufumana isahlulo xa ilahleko lakho lilahle ngaphezu kwe-50%.
Plans Plans
Izicwangciso zokudibanisa ziquka iinkalo zombini isahlulo esicwangcisiweyo kunye nesicwangciso esilinganiselweyo. Ngokomzekelo, i-insurer ingahlawula i-dividends ye-10% ukuba i-premium yakho eyamkelayo ingenani i-$ 5,000, kunye ne-dividends ye-15% ukuba i-premium yakho ingenani i-$ 10,000 (kunye nokuya kwi-premium ecacisiweyo). Izicwangciso zokudibanisa zivame ukuchaza ixabiso elilahlekileyo. Ukuba ilahleko yakho yokulahleka kwenkqubo yenkqubo iphezulu, awuyi kufumana isabelo.
Izahlulo aziqinisekisi
Abatshutshisi ababonelela ngezicwangciso zezahlulelo abanakuqinisekisa ukuba izicwangciso zabo ziya kuhlawula igalelo. Isigqibo sokuhlawula (okanye ukuhlawula) isahlulo senziwa yibhodi yabalawuli bomshuwalense. Ukuba ibhodi i-vetoes isahlulo ngenxa yemiphumo yezemali engabikhoyo okanye esinye isizathu, akukho namnye uya kuhlawulwa. Ngaloo ndlela, i-insurers ayikwazi ukuthembisa ukuba uya kufumana isabelo. Ukuba i-dividend iye yavakaliswa, ihlawulwa iinyanga ezininzi emva kokuba umgaqo - nkqubo usuphelile.
Amaqela Okhuseleko
Nangona kungenjalo izicwangciso zezahlulo, amaqela okhuseleko ahlawula igalelo kumalungu ukuba avuze amava ahlehlekileyo. Iqela lezokhuseleko yiprogram eyenza amapolomari kunye nokulahlekelwa kwabaqeshi abafanayo. Ukuba iqela lilonke linamava ahlekileyo, ilungu ngalinye lifumana isabelo. Isihlomelo sichazwe ngamava okulahlekelwa liqela, kungekhona ngamalungu ngamnye.
Amaqela okhuseleko aklanyelwe iintlobo ezithile zamashishini, ezifana neevenkile, abathengisi bemoto, okanye iikontrakta zokwakha. Ukujoyina iqela, umqeshi kufuneka ahlangabezane neemfuno ezithile ngokubhekisele kwiikhowudi zeklasi , i-premium encinane kunye namava okulahleka. Ukuba unomdla wokujoyina iqela lokhuseleko, cela umboneleli wakho we- insurer xa unika omnye uhlobo lwakho loshishino.
Uluhlu loLwazi
Xa ubala i-premium yakho ezuziweyo phantsi kwesicwangciso sokwahlula, umgcini wakho womshuwalense unokubandakanya uguqulelo lwamava akho . Ngokomzekelo, cinga i-premium yakho eyi-$ 10,000 kwaye i-modifier yakho yamava ngu .95. Umshuwalense wakho angabala i-dividend yakho esekelwe kwi-premium ye-$ 9,500 (i-$ 10,000 X .95).
Ekugqibeleni, amashishini afaka iqela lezokukhusela alondoloza amava abo. Umhleli welungu ngalinye libalwe ngokusekelwe kwiiprayimari kunye nelahleko zalo, kungekhona ezo zeqela lonke.