Ukutshintshwa kweengozi
Amashishini amaninzi okudlulisela umngcipheko ngokuthenga i-inshorensi. Ngokuhlawula i-premium echaziweyo, ishishini linokudluliselwa kumgcini-mali umngcipheko wokuba iintlobo ezithile zelahleko ziza kwenzeka. Umshurensi uthatha ingozi yokuba ilahleko zingadlula umyinge we-premium eqokelela kwi-insured.
I shishini linakho ukhetho lokudlulisela umngcipheko nge- isivumelwano sokuhlawulela kwisivumelwano . Kwesivumelwano sokuhlawulelwa, enye inkampani iyavuma ukuhlawula (ukubuyisela kwakhona) enye ngeendleko zeentlobo ezithile zamabango okanye izigwebo.
Ukugcinwa Kwengozi (i-Self Insurance)
Amashishini amaninzi akhetha (okanye anyanzelekile ngomshuwalense) ukugcina ingozi. Ukugcinwa kwemngcipheko kudla ngokuba kubizwa njengesi -inshuwalense . Ngokuqhelekileyo, iinkampani ezinkulu zinokhetho oluninzi malunga ne-inshurensi yecandelo kuneenkampani ezincinci kuba iinkampani ezinkulu zinamandla amakhulu okufumanisa ilahleko. Sekunjalo, amashishini amancinci anokunandipha ininzi yezibonelelo zokugcina ingozi, nangona kwinqanaba elincinci.
Iingenelo zokugcinwa koMngcipheko
Enye inzuzo enkulu yokugcina ingozi yinto ephantsi kweendleko ze-inshurensi . Xa ucinga umngcipheko othile, unokugcina enye yemali oya kuhlawula ngayo umshwalense. I-self-inshurensi nayo ikunika ulawulo oluphezulu phezu kweengozi ozigcineleyo.
Ekubeni uza kuhlawula ilahleko ngaphandle kwipokoth, ngaphezu koko, uzama nzima ukukhusela ukuba kwenzeke.
Iingxaki zokugcinwa koMngcipheko
Ukugcinwa kwemingcipheko kunika ezinye izinto ezingalunganga. Enye kukuba iindleko zakho ezingaphandle kwee-pocket zingaba zikhulu kunokuba ulindeleke. Ngokomzekelo, ukuba ukhetha imali engama-5000 edityanisiweyo kwipolisi yakho yepropati yakho, mhlawumbi awulindele ukuba ulahlekelwe ngu-4999 $.
Okwesibini, ukugcinwa kwengozi kungabangela ukuhluthwa kolawulo. Masithi uthatha isigqibo sokuziphazamisa umonakalo owenziwe ngokwasemzimbeni kwinqwelo yakho. Ukuba ilori lonakalisiwe kufuneka ujongane nemisebenzi ehambelana nokulungiswa (njengokuba ufumana isitolo sokulungisa esithembekileyo) ngokwakho kunokuthembela kwintsirensi ukwenza loo mi sebenzi kuwe.
Iintlobo zoLondolozo lweengozi ezisetyenziswe ngamashishini amancinci
Nazi ezinye iindlela ezikhoyo kwiinkampani ezincinane zokugcina ingozi:
Deductibles
Izidumbu zindlela eziqhelekileyo zokugcina ingozi. Ziyakwenza isisombululo esisebenzayo sokunciphisa i-premium yakho ukuba unemithombo yezemali ukuhlawula ilahleko ngaphandle kwepokothini. Izidumbu zintlanzi zisetyenziselwa ezininzi kwiintlobo zemigaqo-nkqubo.
Iifayili zePropati zisoloko zisetyenziselwa kwimigaqo-nkqubo yokubonelela ngeenkonzo zokuqala ezifana nepropati yorhwebo kunye nokulimala komzimba . Xa i-deductible isebenzayo, nayiphi na ilahleko ewela phantsi kwe-deductible echaziweyo ayiyi kubanjelwa ngumgaqo-nkqubo wakho. Xa ilahleko lidlula i-deductible, umgcini-mali uya kuhlawulela umahluko phakathi kwexabiso lokulahleka kunye ne-deductible.
I-General Accountability okanye i-Auto Liability Coverages Izidumbu ezinokutsha ziyakwazi ukusetyenziswa ngamanqaku omonakalo wepropati phantsi komgaqo-nkqubo wezithuthi okanye jikelele .
Ngokomzekelo, iilori ezisetyenziselwa ukukhangela ibravel zingenza izibango ezincinci zamatyala ezinqabileyo. Ngaloo ndlela, inkampani ezithwala idwala okanye ezinye izinto zokurhweba ngamaloli zingathengisa umgaqo-nkqubo wentengiso oquka umonakalo weproptible of property , i-$ 1,000. Xa ummangali efuna ukuhlawulelwa ngenqwelo-moya ephahliweyo, inkampani yerhafu eqinisekisiwe ihlawula ummangali ngokuthe ngqo ukuba imali efunwayo ayidluli kwi-deductible.
Qaphela ukuba imigaqo-mbopheleleko yokubambisa abanikazi bamashishini abancinci ayinakwenzeka ukuba ifake i-deductible eyenziwa kumabango okulimala emzimbeni . Amabango afuna isinxephezelo sokulimala komzimba angakhupha ngaphandle kokulawulwa kakuhle. Ngaloo ndlela, i-insurers bakhetha ukujongana namabango abo ngokwabo.
Abasebenzi Abemivuzo abaninzi abaninzi baye bavuma ukusetyenziswa kweeprogram ezincinci ezixhomekeke kwiinkampani zomshuwalense.
Ezi nkqubo zihluka ukusuka kummandla ukuya kwilizwe. Kwamanye athi "encinci" echithwayo isenokuvela kwi $ 500 ukuya kwii-75,000 zamawaka. I-deductible inokufaka isicelo kwizibonelelo zonyango, inzuzo okanye zombini. Inokuthi okanye ayiyi kusebenza kwiindleko zokulungiswa kwelahleko. Amanye amazwe afuna abaqinisekisi ukuba banikeze umncinci omncinci kunoma yimuphi umqeshi ofanelekileyo. Kwamanye amazwe, i-insurers ivumelekile kodwa ayinyanzelekanga ukuba inike icebo elincinci.
Umnini omncinci woshishino onqwenela ukuthenga ukuhlawulelwa kwembuyekezo yabasebenzi kunye nokuncitshiswa okuncinci kunokufuneka ukuba unikezele ubungqina bokhuseleko lwezezimali njengobhaliso olungenakutshintsho. I-deductible yongezwa ngokubanzi kumgaqo-nkqubo wokuhlawula abasebenzi ngokusemthethweni ngokuvuma.
Ukugcinwa kwe-Self-insured
Ukugcinwa kwe-insured (SIR) isetyenziswe kwimigaqo-nkqubo yembuyekezo kunye nabasebenzi. Njenge-deductible, i-SIR imele inani elithile elijongene nomngcipheko ovuma ukuba ugcine. Ukwahlukana omnye phakathi kwezi zibini kuhambelana neendleko zamabango. Iindleko ezinjalo azivumi ukunciphisa i-deductible kodwa zinganciphisa i-SIR. Kwakhona, xa ibango lixhomekeke kwi-deductible i-insurer ngokuvamile ilawula ukukhusela. Xa ibango lixhomekeke kwi-SIR, umntu okhuselekile unokulawula ukukhusela ade i-SIR iphelile.
Ininzi imigaqo-nkqubo ethengwe ngamashishini amancinci ayifaki ukugcinwa kwe-insured. Imibutho emibini i- umbrella kunye neeposiso kunye nemigaqo yokushiya. Iimbule ezininzi ezininzi ziqulethe i-SIR esebenza kwiibango ezigqitywe yi-sambulela kodwa kungekhona nge-inshorensi. Ngokomzekelo, ibango elithetha ukukhathazeka kwengqondo linokuthi lugqitywe yi-ambulera yakho (ngokuchazwa kwenzakalo yomzimba) kodwa kungengomgaqo-nkqubo wakho wecala. I-SIR phantsi komgaqo-sambuli usebenza ngokulimaza kodwa kungekhona iindleko zebango.
Abalawuli kunye namagosa , iinkqubo zengqesho kunye nezinye iintlobo zeziphene kunye nemigaqo-nkqubo yokunyanzeleka kwemfanelo ingabandakanya i-SIR. I-SIR inokufaka isicelo kuzo zombini umonakalo kunye neendleko zokukhusela.
I-Self Self-inshurensi
Kwamanye amazwe abaqeshi abancinci nabaphakathi bavunyelwe ukuba baqinisekise ukuzibophezela kwabo emsebenzini kwiqela. Olu khetho lwenza amafemu amancinci ukuba afumane ezininzi iinzuzo ze-self-inshurensi. Imithetho kaRhulumente inquma imfuno emiselweyo kwinkqubo ye-self-inshurensi yeqela. Ngokuqhelekileyo, abaqeshi kwiqela elizimeleyo kufuneka basebenze iintlobo zamashishini afanayo. Ukuze ufunde ukuba i-inshurensi yeqela e-insured yinto ekhethiweyo kwimeko yakho, qhagamshelana ne-arhente yakho okanye isebe le-inshurensi yomhlaba.