Iintlobo Ezifunekayo Zonke Amashishini Asekhaya
Akukuphela nje oku akukwenyani, kodwa imisebenzi yakho yasekimashishini yasekhaya isenokungavumeli i-inshurensi yakho yasekhaya. Iinshurensi yasekhaya iquka amakhaya abantu. Ukusebenzisa ikhaya ngezinye iinjongo ukuba umgcini-inshurensi angazi, njengokusebenza kwishishini lasekhaya, unokungavumelekanga umgaqo-nkqubo wakho.
Ziziphi iintlobo ze-inshurensi oyidingayo? Impendulo ixhomekeka kakhulu malunga naluphi uhlobo lwezoshishino ezisuka ekhaya osebenzayo. Unokufuna iintlobo ezongezelelweyo zee-inshorensi kwimisebenzi yezoshishino ukusuka kuloluhlu olungezantsi. Qaphela ukuba iinkampani ezininzi ze-inshorensi ngoku zibonelela ngexabiso elifanelekileyo, kwiiphakheji ze-inshorensi zoshishino zasekhaya ezibandakanya ezininzi zeendlela ezilandelayo:
I-inshurensi yeeRhwebo
Nangona baninzi abanini-shishini baxhomekeke kwi-inshurensi yasekhaya ukukhawuleza umonakalo, ukulahlekelwa, kunye nokubiwa kwepropati, onke amashishini asekhaya axhomekeke kwintengiso yomshuwalense ngaphezu kwezinto ezibhalwe kuyo kunye ne-inshurensi yepropati enikezelwa ngumshuwalense wekhaya.
Enye into, jonga i- ofisi yakho yasekhaya kwaye wenze uqikelelo olukhawulezileyo lokuba uza kuba nexabiso elingakanani ukuze ufake indawo yezixhobo ezikujikelezile. Ininzi yemigaqo-nkqubo yomnini-mali inomda wokuqukethwe oza kudlula ngokugqithisileyo ngamabango eshishino seefowuni, ii-laptops, abashicileli , njl njl.
xa kwenzeka ilahleko. Uninzi lwezinto zakho zeofisi zasekhaya oza kukwazi ukutshintsha loo mali ukuba ibelwe?
Ngomnye, ngaba zonke izixhobo zoshishino ozisebenzisayo ukuhlala ekhaya lakho lonke ixesha? Izixhobo zoshishino ziza kugqitywa kuphela ngumgaqo-nkqubo womnini-mali xa uhlala kwindawo yakho.
Ukuba une laptop okanye ifowuni esetyenziswayo ngaphandle kwekhaya lakho, uya kufuna iimpahla zomshuwalense kunye ne-inshurensi yepropati.
UmGaqo woLuntu
Olunye uhlobo lomshuwalense ukuba onke amabhizinisi asekelwe ekhaya kufuneka abe ne- inshorensi eyongezelelweyo yemfanelo yomshuwalense . Ukuba umama wakho u tyelela aze aphule umlenze wakhe, umgaqo-nkqubo wakho womnini uya kuwugubungela; ukuba umthengi u tyelele aze aphule umlenze wakhe, akuyi kuba. Inkonzo yomshuwalense jikelele inobungozi kubathengi nakubasebenzi kwizeshishini lakho nakwezinye iindawo.
Enoba ungayifuni na enye intlobo yomshuwalense kuxhomekeke kwinjani yezoshishino zasekhaya osebenzayo.
Uhlobo lweZithuthi
Ngokomzekelo, usebenzisa i sithuthi sakho ngenjongo yoshishino ? Ukuba kunjalo, kufuneka ukuba isithuthi sakho siqiniseke ngokufanelekileyo malunga nokusetyenziswa kwezoshishino ukufihla nayiphi na umonakalo kwisithuthi sakho kwaye uhlawulele abanye uxanduva xa ubandakanyeka engozini.
Umshuwalense weMpahla
Ingaba ishishini lakho elisekelwe ekhaya libandakanya ukuthengisa imveliso? Emva koko kufuneka uqikelele ukufumana i- inshorensi yemfanelo yemveliso ukukhusela ishishini lakho kwi-accountability ngenxa yokungahambi kakuhle kwemveliso.
Intshumo yoNyununu
Ngaba ama shishini akho asekelwe ekhaya anika iinkonzo?
Ukuba kunjalo, uya kufuna enye yinshorensi yemfanelo. Ubunjineli yobunjineli bomsebenzi bukhusela wena kunye nabaxumi bakho. Ukuba ummangali uthi ubandezeleke ngezenzo zakho njengengcali, i-inshorensi yemfanelo yakho yecandelo liyakukhusela impahla yakho kwaye ihlawule ukhuseleko lwakho malunga nelo bango. Olu hlobo lugxininiso luqinisekisa kwakhona ukuba umthengi oye wabhekana nokulimala uya kuhlawulwa ngokwaneleyo.
Kukho iintlobo ezahlukeneyo ze-inshorensi yemfanelo yeprofesenti ukuba abanini-bhishini abanamakhaya basenokufuna. I-inshorensi yokungabikho kwempahla ikukhusela kumonakalo obangelwa unyango oluhambelanayo. Nangona ngokukhawuleza sithatha ukucinga ngabaqeqeshi ababonelela ngeenkonzo zonyango kunye nezokwelapha ezifana noogqirha, amazinyo, kunye ne-physiotherapists, xa sicinga nge-inshorensi yokungasebenzi kakubi, kunene baninzi abanye abasebenzi basekhaya abangasidinga i-inshurensi, ukusuka kwiinkampani zesikhumba ngabagcobi bezinja.
Iimpazamo kunye neNkxaso-mali yeNkampani
Ukuba ishishini lakho elisekelwe ekhaya libandakanya ukuhlawulwa ukuze unike iingcebiso zengcali, ufuna iimpazamo kunye ne-inshorensi yokuchithwa . Ukuba umxhasi uthi unobungozi ngenxa yokuba isiluleko sakho sasinganele okanye singaphelelanga okanye ngenxa yesenzo sokungahoxisi kwinqanaba lakho, i-inshorensi yokuphosakela kunye nokuchithwa kwayo iya kuhlawulela ukukhusela kwakho kunye nemonakalo enikezelwa kumxhasi ukuba icala lichasene nawe.
Yaye ukuba ibhizinisi lakho libandakanya ukubonelela ngeenkonzo kumakhasimende, ungadinga ukugqitywa kwemisebenzi ekhutshiweyo ukukhusela kwi-accountability emva kokushiya indawo yomthengi, kwaye uqala ukusebenzisa nayiphi na into osebenza ngayo kunye nokulimala okanye ukulimala kwenzeka.
Ndiyakhuthaza ngamandla onke abanikazi bezentengiselwano basekhaya abaxhomekeke kwishishini labo njengomthombo wenkcitho ngenjongo yokuqwalasela ukuthenga i-inshorensi yokukhubazeka, eya kubhalela ingeniso yakho elahlekileyo xa ukhubazekile kwaye ungakwazi ukuqhuba ishishini lakho.
I-inshurensi yokuphazamiseka kwishishini
Unokufuna ukucinga ngokuthenga i- inshorensi yokuphazanyiswa kwezoshishino , okuza kubakhokelela kwingeniso yakho elahlekileyo xa unyanzelekile ukuba umise imisebenzi yezoshishino ngenxa yomlilo, izikhukhula okanye ezinye iintlekele. (Ukuba nesicwangciso sentlekele kuhlale kuluvo oluhle kakhulu xa kunjalo.)
Iinkcukacha ezongezelelweyo
I-inshorensi yeCanada
Abalawuli beeNtlawulo zeeNkcazo