Oko Kufuneka Ukwazi Ngomyinge Womshuwalense Wokuthunyelwa Kwezinto Zithunyelwa ngaphandle

I-inshurensi ibaluleke kakhulu kwizicwangciso zakho zokubonelela ngeemveliso njengezithuthi ezikhuselekileyo kunye neebhokisi ezintle. Xa uthumela imithwalo ebalulekileyo emakhilomitha amaninzi kude kwaye ungaphumelelwanga ngokupheleleyo, awufuni ukuthatha nayiphi na amathuba kwisixhobo sakho sokusekela kwisiqhwithi esiphakathi kolwandle okanye i-airline yakho ilahlekelwa ngumthwalo wendawo yakho yonke. Ukuba iziganeko ezinjengezi zinto zenzeka, kufuneka uhlawulelwe ixabiso leempahla zakho.

I-inshurensi yokuthunyelwa kwempahla ephuma ngaphandle ikwabonelelwa ngokuqhelekileyo nge-airline yakho, ingcali yezobuchwephesha, umthumeli wempahla okanye inkampani yomshuwalense ekhethekileyo elwandle kunye nempahla yomoya. Kukho iintlobo ezintathu zokuhanjiswa ngokuqhelekileyo ukuthunyelwa kwezinto ezizweni: izinto eziyingozi, izingozi ezibanzi, kunye neengozi zonke. Ekubeni iinkampani ezininzi zothutho zinika isicwangciso sobungozi bonke kwaye zimbalwa ukuba nabani na abathengi banokufuna ukukhawuleza, siza kugxininisa kulolu hlobo lokubhengezwa apha.

Umgaqo-mngcipheko wobungozi uphephe konke ukulahlekelwa ngumzimba okanye umonakalo kunoma yiphina imeko yangaphandle, ngaphandle kokulahlekelwa okanye ukulimala okubangelwa yimfazwe, izibambano, ukuxabana okanye ukungathobeli kwabantu. Ngokuqhelekileyo iindleko malunga ne-1-2% yexabiso elibhengeziweyo lokuthunyelwa kwakho. Ubungakanani buyahluka ngohlobo lwakho lomkhiqizo kunye neendawo eziya kuyo - unokufumana ukuthunyelwa kwendawo yokuthunyelwa kwimizila yesigxina ukuya kwiphandle kwiphandle yomthengi, umzekelo - ngoko-ke qiniseka ukuba ubuze umniki-nkqubo wakho owenza uhlobo olufanelekileyo zakho iimfuno kunye nabaxhasi bakho.

Kodwa ke, khumbula, ukuba akukho nkonzo ye-inshorensi ikukhusela ngokuchasana nomthengi wakho weempahla okanye ukusilela kwakhe ukufumana ilayisenisi efunekayo yokungenisa imali , ukucwangcisa ngokufanelekileyo.

Ukungenisa nokuThengisa iingqalelo zeInnshurensi

Nazi ezinye iingongoma ezine ekufuneka ziqwalaselwe xa ufumana umshuwalense womoya okanye oomanzini:

1. Fumana i-coverage eyaneleyo. Thetha kwenkampani yakho yokuthutha malunga nokuba luhlobo luni lokulindeleka ukuba umthwalo wakho ulahleke okanye utshatyalaliswe. Abantu abaninzi bacela ukufihla kwixabiso le-110% yexabiso lokuthengiselana, kuquka neendleko zempahla kunye ne-inshurensi. I-10% eyongezelelweyo kukuhlawulela ixesha lakho elilahlekileyo, inzuzo kunye nayiphi na iindleko okanye ezinye iindleko onokuzenza kuzo. Awufuni ukufumana kamva (iibango zomshuwalense zihlala zithatha nanye ukusuka kwinyanga ukuya kwiinyanga ezintandathu ukuhlala) ukuba uhlanganiswe kuphela kwi-20% yexabiso lakho lokuthengiselana!
2. Qinisekisa ngubani oza kuqinisekisa ukhuseleko. Ufuna ulawulo olunjani xa kufuneka into ethile ingahambi kakuhle ngokuthunyelwa kwakho? Imigaqo yakho yentengiso ngokuqhelekileyo ibonisa oku. Iimbopheleleko zakho ziphela kwinqanaba apho isihloko kwisakhiwo sitshintsha kumthengisi kumthengi. Ukuba, ngokomzekelo, uqinisekisiwe ukuhlawulwa kwintlawulo yakho ngaphandle kokungena kwemoya xa ufika, unokuba lula kakhulu ngokuvumela ukuba umthengi akhothe i-inshurensi. Nangona kunjalo, ukuba uthumela i-akhawunti evulekile, sincoma ukuba awukhuseli nje i-inshurensi kuphela, kodwa ukhusele kwiinkampani zase-US ukubona ukuba nayiphi na amabango aya kulungiswa ngokukhawuleza. Musa ukulibala: Umthengi wakho ngokuqhelekileyo uqala ukufumana umonakalo okanye ukulahlekelwa kwempahla. Kumele athathe onke amanyathelo afanelekileyo okunciphisa ilahleko okanye umonakalo kunye nokubeka bucala iimpahla ukuba zigcinwe njengobubungqina bokuhlawula ibango.

1. Nquma ukuba ubani ohlawulayo. Ngamanye amaxesha abathengi bakho baya kucela i-inshurensi baze bazinikezele ukuhlawula, kwaye ngamanye amaxesha abayi kuba. Indlela wena kunye nomthengi wakho unikezela uxanduva lwemali ye-inshorensi kuxhomekeke kwiindleko zokubhengezwa kunye nendlela iindleko ezichaphazela ngayo umgangatho weqela ngalinye. Xoxani ngongoma ekuphumezeni imeko yokuphumelela.
2. Shiya iphepha lephepha. Kungakhathaliseki ukuba ngubani ocebisayo kwaye ahlawule i-inshurensi, kukho amaxwebhu athile omele ulungele ukubonisa xa kwenzeka ibango. Xa ufaka ibango, kufuneka unike ileta yesibango kunye nekopi yowayilwayo yokufaka impahla, ikopi yesitifiketi yomshuwalense (elungiselelwe yinkampani yakho yokuthutha okanye, ukuba uthenge i-inshurensi ngokusebenzisa umphathiswa ozimelayo, nawe), kunye nengxelo yophicotho ekhutshwe yi-arhente yebango, kunye ne-invoyisi ebonisa umonakalo okanye ukulahleka. Ukukhawuleza kukungundoqo - ungaphuthelwa ukufakela ixesha lokugqibela, ukuba kukho na.

Ukuthunyelwa kwelinye lokuthumela ngaphandle elingena kumnyango wabathengi wakho kuninzi kakhulu! Unokuxhasa ukulahleka kwezimali, mhlawumbi nokuwa kwebhizinisi lakho. Khusela ishishini lakho, imithwalo yakho, kunye neemfuno zabathengi bakho ngaphambi kokukhulula ukuthengiswa ngokugcina ukubonelela nge-inshorensi.