Ukulimala okukhatywayo ngumhlobo wabasebenzi bokukhwabanisa kwembuyekezo .
Xa abasebenzi benza ubuqhetseba ukuze baqokelele inzuzo abangenayo ilungelo, abaqeshi bahlawula iiprayimari eziphezulu kwi-inshurensi yembuyekezo yomshuwalense. Ngethamsanqa, abaqeshi banokukunceda ukukhawuleza ukukhwabanisa ukuba bayayazi iimpawu ukuba umqeshwa unokufaka isicelo sokuhlawula isibonelelo semisebenzi yabanga .
I-Scenario yeNkcazo yeFake
Umzekelo olandelayo ubonisa indlela umqeshwa angangenisa ngayo ukulimala ukuqokelela izibonelelo zokuhlawulela abasebenzi. UFred uqeshwe njengompheki kwindawo yokudlela ephezulu ebizwa ngokuba yiFancy Foods. UFred usebenzele iinyanga eziliqela ngenxa yokulimala kwangaphambili. Utsho ukuba wawela ehamba-kwifriji kusasa ngoMsombuluko kusasa xa kungekho mntu ekhitshini. UFred wafaka isicelo sembuyekezo yebasebenzi ngosuku olulandelayo. Uye wafumana izibonelelo zokhubazeko lwexeshana.
Kwiinyanga ezintlanu emva kuka-Fred engozini, uhlawulelo lwabasebenzi lulungelelanisa umnxeba kaFred. I-adjuster ibika ukuba uFred uye wenza inkohlakalo yomshuwalense .
Kubonakala ngathi umphandi wambona uFred esebenza ngezoshishino ngexesha lokukhubazeka kwakhe. Kwakhona wabona uFred esebenza kwenye indawo yokutyela. UFred wagwetywa ngokukhwabanisa. Uyalwa ukuba abuyisele imali ye-Fancy Foods ye- insurer ye- compensation insurer ngemali ayifumane kwiintlawulo zokukhubazeka.
Ezinye iintlobo zoBuqhetseba bomsebenzi
Ngomzekelo wangaphambili, uFred uxelele ukulimala okungakaze kwenzeke. Abanye abasebenzi bangasebenzisa iqhinga elithile, njengokunyanya ukulimala okwenzakala. Ngokomzekelo, umqeshwa ugxotha intloko yakhe kumatshini aze avelise iimpawu, ezinjengeentloko ezinzima kunye noxinzelelo. Abanye abasebenzi baba ngabaxhasi. Ukulimala kwabo kokuqala kusemthethweni kodwa bathi bahlala belimale iiveki okanye iinyanga emva kokulimala.
Abanye abasebenzi bafaka iifom zokuhlawulela zabasebenzi ngenxa yokulimala abaye bawuyeka emsebenzini. Abasebenzi banokufaka iibango ngenxa yokwenzakaliswa kwabangasebenzi ngaphandle kokuba bangenayo i-inshorensi yezempilo okanye bahlanganiswe phantsi komgaqo-nkqubo oquka ixabiso elikhulu.
Xa ababoneleli bebandakanyeka
Abasebenzi abaqhelanga ubuqhetseba bodwa. Abanye basebenza kuma-cahoots ngamagqirha angathembekiyo, amayeza kunye nabanye ogqirha. Umboneleli okhohlakeleyo angangenisa ibango lonyango engazange lisebenzwe ngumsebenzi. Ngaphandle koko, unokubonelela unyango olungenasidingo okanye uphathe iindleko zonyango olunikeziwe. Iingcali zingahlawula ngokukhawuleza kwintsebenziswano ngokutshintshisa ukulimala.
Abanye ababoneleli badibanisa namagqwetha abaphosakeleyo ukuba basebenze "amatyala okubango." Amagqwetha aqesha abasebenzi ukuba bafake izicelo zamatyala.
Bese bathumela abasebenzi kubanikezeli banikezela ngokunyanisekileyo ukuba baxhatshazwe. Injongo yabanikezeli kukugcina abasebenzi ngaphandle komsebenzi ngokukhawuleza kunokwenzeka ukukhuphula iintlawulo zokukhubazeka. Umtshini wesibango unokudala izigidi zeedola ngamabango amanga.
Impembelelo Kwishishini Lakho
Naliphi na ibango lobuqhetseba elinokuchaphazeleka kakhulu kwi shishini lakho elincinci. Enye into, umqeshwa okhubazekayo akenzi umsebenzi wakhe. Unokufuneka uhlawule umvuzo wesikhathi esithile kwabanye abasebenzi okanye uqeshe umqeshwa osesikhashana ukwenza lo msebenzi. Iindleko ezongezelelweyo zingenza ukuba inkampani yakho ingabonakali.
Ibango lobuqhetseba lingaphinda luchaphaze imbali yelahleko yenkampani yakho. Ukuba iqumrhu lakho liphantsi kohlobo lokufumana amava , iintlawulo zakho umgcini-inshurensi wenza egameni lomsebenzi unokwandisa ukuguqula amava akho. Ukuba i-modifier yakho ikhuphuka, i-premium ohlawula ngayo umgaqo-nkqubo wokuhlawulela abasebenzi ungasenyuka kwakhona.
Thintelo
Unokukunceda ukukhusela ukukhwabanisa kwabasebenzi ngokuthatha amanyathelo alandelayo:
- Khuthaza umoya omhle kwindawo yokusebenzela. Abasebenzi abanelisekile bancinci kunokuba badibanise ukuba benze ubuqhetseba.
- Ukuqhuba imvelaphi ekhangelekileyo kubasebenzi abaza kubakho ukuze udibanise abo benza ubuqhetseba kwixesha elidlulileyo.
- Yenza ukhuseleko lwendawo kwindawo yokusebenzela. Yakha uphinde usebenzise isicwangciso esiphezulu sokukhusela.
- Ukuseka iinkqubo ezisemthethweni zokubika iingozi, ukuphendula ngokulimala, nokufaka izicelo zamabango. Qeqesha abaphathi bakho ukuba baphendule njani xa kwenzeka ingozi.
- Fundisa abasebenzi bakho kwinkqubo yokuhlawula abasebenzi. Chaza ukuba i-inshurensi yembuyekezo yomshuwalense ihlawula imali, kwaye ezo nzuzo zenzelwe ukulimala okulungileyo.
- Ukuphumeza inkqubo yokubuyela emsebenzini ukuya kwabasebenzi abalimele.
- Yazisa abasebenzi ukuba inkampani yakho ayinyamezeli ukuziphatha kakubi. Yakha indlela apho abasebenzi abaqaphela ukukhwabanisa bangayibika ngokungaziwa.
Iimpawu zoKhuselo lweNkohlakalo
Nangona abaqeshi bengenakukwazi ukuphelisa konke ukukhwabanisa kwindawo yokusebenzela, banokukunceda ukuyeka izenzo ezingekho mthethweni ezenziwa ngabasebenzi. Ezi ziphathayo zilandelayo zibonisa ukuba umqeshwa wenze inkohlakalo yokuqhowula abasebenzi. Ukuba ukholelwa ukuba umqeshwa wakho unokuba wonakalisa ukulimala, qha ga mshelana ne-insurance insurer yakho.
- Ukulimala kwenzeka okanye ekupheleni kosuku ngoLwesihlanu okanye ngoMvulo. Umqeshwa unokunyamekela ukulimala ngeveki.
- Kwakungekho namangqina okwenzakalo. Le nto ingabhenkco ebomvu ukuba umqeshwa ngokuqhelekileyo usebenza kunye nabanye abasebenzi, kwaye ukulimala kwenzeka ngexesha elincinci xa umqeshwa eyedwa.
- Umqeshwa uqhubeka etshintsha ibali lakhe malunga nento eyenzekayo. Ngokomzekelo, uFred (ivenkile yokupheka) uthetha ukuba wahamba waza wawela ehamba-efrijini. Kamva, uthi uyaphonsa umthamo kwindawo yokudla.
- Umqeshwa uye walibazisa ukubika ingozi. Ngokomzekelo, umqeshwa ubika ingxelo eyenzakalisa ukulimala okusolakala ukuba kwenzeka ezintathu kwiinyanga ezidlulileyo.
- Umqeshwa akanelisekile, unengxaki yokuziphatha okanye ubandakanyeka kwingxabano yomsebenzi . Umqeshwa ongenelisekile, unemiba yokuziphatha, okanye ubandakanyeka kwimpikiswano enxulumene nomsebenzi angenza inkohlakalo ukuba athole "iholide" emsebenzini wakhe.
- Umqeshwa uye wafaka amabango angaphambili . Umqeshwa ofumene iintlawulo ezibalulekileyo kwixesha elidlulileyo okanye ubeke umgwebo unokufuna inzuzo yezemali.
- Umsebenzi wenqaba iimvavanyo zokuhlola. Ngokomzekelo, umqeshwa unqumla iMRI ebonisa ukuba kukho ukulimala kwamadolo.
- Umsebenzi kunzima ukufikelela. Umqeshwa anganqaba ukubuyisela umnxeba umnxeba okanye ii-imeyile.
- Umqeshwa wenqaba ukuqwalasela umsebenzi wokukhanya. Inokuthi kanqabe ukuthatha inxaxheba ekubuyiseni kwenkampani kwiprogram yomsebenzi.