I-Trigger Trigger
Ngaphantsi komgaqo-nkqubo owenzekayo, ukuhanjiswa kubangelwa (kuqaliswe) ngengozi eyenzekayo ngexesha lomgaqo-nkqubo. Nangona ukulimala kufanele kwenzeke ngexesha lexesha lepolisi, ibango ukuba iziphumo zingeniswa ngexesha okanye emva kwexesha lomgaqo-nkqubo.
Ngaphantsi komgaqo-nkqubo owenziwe ngamabango, isiganeko esichukumisayo sisibango esenziwe ngokubhekiselele kwi-insured ngexesha lepolisi. Ukulimala okukhokelela kwibango kungenzeka ngaphambi okanye ngexesha lemigaqo-nkqubo, kodwa ibango kufuneka lenziwe ngelixa umgaqo-nkqubo usasebenza. Umzekelo olandelayo ubonisa umehluko phakathi kweentlobo ezimbini zemigaqo-nkqubo.
UCracy unesenzo esihlwayayo, isitolo sekhofi. Ngenye imini, umthengi ogama lakhe linguBill wanyuka waza wawela kwikhafefe kaTracy. Xa umgcini we-waitress ezama ukunceda, uBill wathi wayethe tye kwaye washiya ivenkile. Kwiinyanga ezilisithoba emva koko, ukuThatyathwa okuKhatywayo kwanikwa inkundla. UBill ulandele ishishini ngokulimala komzimba .
Ingozi yowilwayo yenzeke ngomhla kaNovemba 5, 2016. Ngexesha leengozi, i-Treasty Treats yayisisigxina phantsi komgaqo-nkqubo ojongene nokunyanzela owenziwe ukususela ngoJanuwari 1, 2016 ukuya kuJanuwari 1, 2017. Xa umgaqo-nkqubo wakhe uphelelwe, uTracy ushintshile enye umgaqo-nyaka owaqala ngoJanuwari 1, 2017.
U-Tracy wamkela isigwebo sikaBill ngo-Agasti 15, 2017. Nguwuphi umgaqo oya kusebenza?
Ukuba i-Treatment ezihlwayekileyo yayisisigxina phantsi kwemigaqo-nkqubo ye-occurrence, ibango liya kubanjelwa ngumgaqo-nkqubo owawusebenzayo xa kwenzeka ukulimala. Ukulimala kweYilwayo kwenzeke ngeli xesha lomgaqo-nkqubo wokuqala (ngoJanuwari 1, 2016 ukuya kuJanuwari 1, 2017), ukuze umgaqo-nkqubo uphendule ibango.
Nangona kunjalo, impendulo yayiyahluka ukuba imigaqo-nkqubo yayimabango-eyenziwe. Umgaqo-nkqubo wokuqala awuyi kusebenza ngenxa yokuba uTracy ufumene ibango emva kokuba le nkqubo iphelile. Ibango lenziwe ngeli xesha lomgaqo-nkqubo wesibini, ukwenzela ukuba umgaqo-nkqubo uza kusebenza.
UmGaqo
Ininzi yemigaqo-nkqubo yemfanelo ibhalwa kwiifom zenzeke. Zifaka iibango okanye zifanelwe zifuna ukulimala komzimba okanye umonakalo wepropati obangelwa yinto, okanye ngenxa yokulimala komntu kunye nokukhangisa okubangelwa yicala. Izibango okanye izibophelelo zijongwe kuphela xa ukulimala komzimba, umonakalo wepropati okanye ukulimala komntu siqu kunye nokukhangisa kwenzeka ngexesha lomgaqo-nkqubo. Ibango lingeniswa ngexesha lepolisi okanye emva kokuba umgaqo-nkqubo uphele.
Isibopheleleko esiqhelekileyo asiyena kuphela uhlaselo lwezentengiso ezibhalwa kwiifom zenzeke. Abanye baquka i- ambulance , i- self-responsibility , kunye nabaqeshi besikhokelo. Ezinye iintlobo ze-inshurensi, ezinjengeemfanelo zotywala kunye nokusetyenziswa kakubi kwezonyango, zingabhalwa kwiimeko okanye iifom ezenziwe ngamabango. Ngaphantsi kwemigaqo-nkqubo ye-medical malpractice policy, ukubonelela kunikezelwa ngokulimala okubangelwa unyango olwenziwe ngexesha lolawulo. Ukuba unyango lwenzeka ngaphambi okanye emva kwexesha lomgaqo-nkqubo, le nzakala ayifakwanga.
Inzuzo ephambili yemigaqo-nkqubo yembonakalo kukuba bafaka iimangalo "ezinomsila omade," ezibhekiselele kwiibango ezivela emva kweminyaka emininzi emva kokuba umgaqo-nkqubo usuphelile. Ngethuba nje isiganeko esishukumisayo (ukulimala, umonakalo, unyango njl njl njl.) Kwenzeke ngexesha lomgaqo-nkqubo, ibango elibangelwa kulo mcimbi kufuneka lifakwe. Ixesha lebango alinandaba.
Ubungqina Benzi-Benzi
Njengoko igama layo libonisa, umgaqo -nkqubo owenziwe ngamabango uhlanganisa amabango anziwe kumntu okhuselekile ngexesha lepolisi. Ukulimala okukhokelela kwibango kungenzeka ngaphambi okanye ngexesha lemigaqo-nkqubo.
Imigaqo-nkqubo eyenziwa ngamabango inika ubuncinane okanye akukho nkonzo yokubhengezwa kwamabango enziwe emva kokuba umgaqo-nkqubo uphele. Oku kubangela ingxaki kubanikazi boshishino abazitshintshile kumgaqo-nkqubo owenziwe ngamabango kumgaqo wokuvela, okanye abayeke ukuthenga ukuthenga ngokubanzi. Ngethamsanqa, ukuhanjiswa kwamabango amamva kufumaneka phantsi kwexesha lokunika ingxelo elongezelelweyo (elibizwa nangokuthi "umsila wokufihla").
I-ERP iquka amabango avela kwiziganeko ezibangelwayo (ezifana nokulimala komzimba) okwenzeka ngaphambi okanye ngexesha lemigaqo-nkqubo. Ayifuni iibango ezivela kwiziganeko ezenzeka emva kokuba umgaqo-nkqubo usuphelile. Ixesha elide lokunika ingxelo lingabiza.
Ezinye iipolisi ezenziwe ngamabango ezithintela ukukhawulelwa kwiimangalo ezibangelwa kukulimala okwenzeka ngomhla okanye emva komhla ochaziweyo, obizwa ngokuba ngumhla wokubuyisela. Izibango ezibangelwa kukulimala ezenzeka ngaphambi kokuba umhla wokuhlaziya ungagqithwanga. Ukuba utshintshe ukusuka kumnye umshwalense kwenye, i-insurer yakho entsha akufanele iguqulwe usuku lwakho lokubuyisela. Kufuneka uxhathise nayiphi na inzame yomshuwalense wakho omtsha ukuqhubela phambili (ukunyuka) umhla wokuhlaziya. Ngaphandle koko, uya kulahleka ukukhutshwa kwamabango avela kwiziganeko ezenzeka phakathi kwexesha lakho elidala lokubuyisela kwaye elitsha.
Izinto oza kuziqwalasela
Nazi ezinye izinto oza kuziqwalasela xa ukhetha phakathi komgaqo-mvelaphi kunye nenqubomgomo eyenziwe ngamangalo:
- Iindleko zenziwe ngamabango athathwe kakhulu kunemigaqo-nkqubo.
- Umda Ngenxa yokunyuka kwamaxabiso, umda kumgaqo-mveliso ungasezantsi kakhulu ukufihla amabango afakwe iminyaka emininzi emva kokuba umgaqo-nkqubo uphele. Umda kumgaqo-nkqubo owenziwe ngamabango unokwenzeka ukuba unelisekile kuba umgaqo-nkqubo uphawula amabango afakwe ngexesha langoku nkqubo.
- Imingcipheko Imigaqo -nkqubo eyenziwa ngamabango ingabandakanya imingcipheko okanye i-exclusions engelula ukuyibona. Ngokomzekelo, iipolisi ezenziwe ngamabango ziqulethe iimfuno zokubango ezibango.
- Ukutshintsha ii-Insurers Inkqubo yokuguqulwa kwelinye i-inshurensi ukuya kwelinye ilula xa uqinisekisiwe phantsi komgaqo-nkqubo.
- Ukufumaneka Ezinye izabelo zingenakufumaneka okanye zithengeleke ngokwexabiso phantsi kweefom zenzeke. Umzekelo ngabalawuli bee-inshorensi zemfanelo zomshuwalense, ezifumaneka kuphela kwiifom ezenziwe ngamabango.
Inqaku elihlelwe nguMarianne Bonner