Akukho Mthetho ofunekayo
Uhlawulo lwezoNyango lwezoNyango luhlawula iindleko zonyango ezenziwa ngumntu olimele ngenxa yemisebenzi yezoshishino. Kuyinto engenazo iphoso. Oku kuthetha ukuba iindleko zonyango ezonyango zihlawulwa phantsi komgaqo-nkqubo ngaphandle kwecala.
Ezi ndleko zikhutshelwe ukuba okanye awuyibo uxanduva lokulimala. Ngaloo nto, uMyinge C uhluke kakhulu kwiSiqendu A, ukuXhatshazwa kweBhodi kunye nokuLawulwa kwePropati, kunye nokuPhakanyiswa kweB, Ubuntu kunye noKhuseleko lweNtengiso . Iifowuni A neB zifaka isicelo kuphela xa wena (okanye omnye umshishini) unesibophelelo sokulimala, kwaye ilungu elenzakele lifake ibango okanye i-suit .
I-Payment Payments Coverage ingaba ngumgca wokulwa namacala omthetho. Umntu onobungozi onokumangalela ngengozi yomzimba anganciphisi ukunyanzela ukuba iindleko zakhe zonyango zihlawulwa ngokukhawuleza.
Iindleko eziViweyo
Iintlawulo zentlawulo yezoNyango zihlawula iindleko "ezinengqiqo" zokuncedisa uncedo lokuqala lokuqala ngexesha lengozi. Ngokomzekelo, cinga ukuba uJim, umthengi wakho, uwela kwipropati yakho aze aphule ingalo yakhe. Uyakhupha uYig ugqirha, onika uncedo lokuqala. Ugqirha ugxininisa ingalo ephukileyo kwaye uqondisa uJim esibhedlele.
Iindleko zokutyelela i-ofisi ziyakuthi zikhutshwe njengendleko zokuncedisa kuqala. Kwakhona zikho naziphi na iinkonzo ezifunekayo zonyango, zokuhlinzwa, i-x-ray kunye namazinyo, kubandakanywa nezixhobo zobufebe. Ukuba uJim unika iindleko ze-X-ray kunye unyango lwezonyango esibhedlele, ezo ndleko kufuneka zifakwe.
Ukuhlawulwa kweentlawulo zezoNyango kubandakanya iindleko ze-ambulensi kunye naliphi na isibhedlele okanye iinkonzo zononophelo ezifunekayo.
Ukuba umntu oswelekileyo uyafa, iindleko zemisebenzi yomngcwabo zihlanganiswe.
Kuphi Umlinganiselo osebenzayo
Ubungakanani B buquka iindleko zonyango ngenxa yengozi yomzimba eyenziwa yengozi eyenzekayo:
- Kwindawo yakho: Kwimimiselo yangaphambili, ukulimala kukaJim kwenzeka kwindawo yakho.
- Kwiindawo ezikufutshane kunye nommandla wakho: Ngokomzekelo, ukulimala kukaJim kungenzeka ukuba kwenzeke endleleni eya kumashishini akho okanye kwindawo yokupaka ecaleni kwayo.
- Phuma kwindawo yakho: Ingozi eyenzekayo ngaphandle-indawo ifakwe xa kwenzeka ingozi ngenxa yezenzo zakho.
Nasi umzekelo wenzakalo ekhuselekile eyenzeka ngaphandle. UJill usebenza ngoshishino lokuthengisa. UJill usekuhlaleni komsebenzi ukubethelela intambo kagesi xa uSusan, isivakashi kwisayithi, ehamba ngephutha ngentambo. USusan uwela aze ahlambe i-ankle yakhe. Ngenxa yokuba ukulimala kukaSusan kubangelwa yingozi eyenza ukusebenza kweJill, iindleko zakhe zonyango kufuneka zifakwe ngumgaqo-mboleko weJill phantsi kweCC.
Ngeendleko ezifunekayo phantsi koPhuculo C, ingozi kufuneka yenzeke kwintsimi yokubhengezwa kwaye ngexesha lepolisi yomgaqo-nkqubo wakho. Ukongezelela, iindleko kufuneka zenzeke kwaye zinike ingxelo kwingxelo yomshuwalense kunyaka omnye womhla wengozi.
Ngokomzekelo, cinga ukuba ingozi kaSusan yenzeke ngo-Ephreli 1, 2016. Ukugqitywa phantsi komgaqo kaJill, iindleko zonyango zikaSusan kufuneka zenzeke ngo-Aprili 1 ka-2017. I-Jill kufuneka ifake le ndleko kwi-insurer yakhe ngo-Ephreli 1, 2015.
Yenzelwe ukulimala kwamancinci
Ukuhlawulwa kweentlawulo zonyango kuncike kumda osebenzayo kumntu ngamnye. Lo mda uphantsi, ngokufana ne-$ 10,000. Ngaloo ndlela, i-Payment Payment coverage ijoliswe ngokulimala okuncinci, njengokwakheka kwe-ankle okubangelwa ukutshatyalaliswa nokuwa .
Ukongeza kumyinge woMntu ngamnye, iindleko zonyango zixhomekeke kuMbini woMntu ngamnye kunye nemida epheleleyo ngokubanzi kumgaqo-nkqubo wakho wemfanelo. Ngokomzekelo, cinga ukuba uSusan ufaka i-$ 8,900 kwiindleko zonyango ezinxulumene nengqumbo yakhe. I-inshurensi yakho ihlawula ezi ndleko phantsi kweNgxelo yakho yokuNikwa kweNtlawulo.
USusan ufake iifayili zomonakalo wepropati yakho kwinkampani efuna u-$ 25,000 kumonakalo. Uthi ezinye izixhobo ezixabisekileyo ayeziphethe kwesikhwama sakhe sonakaliswe xa ewa.
Nawuphi na umonakalo okanye uhlawule umgcini-mboleko wakho ohlawula ngenxa yesigwebo uya kunciphisa kokubili Umcimbi ngamnye kunye neMida epheleleyo ngokubanzi kwipolisi yakho. I-8,900 i-insurer yakho ehlawulwa phantsi kweentlawulo zonyango iya kunciphisa le miqathango. Iindleko eziyi-8,900 kwiindleko zonyango ziya kunciphisa Umlinganiselo ngamnye woMntu ohleliweyo kumgaqo wakho weentlawulo zonyango.
Ezingabikho
Ingxelo yokuhlawulwa kwezonyango ixhomekeke kuzo zonke izibhengezo ezibhalwe phantsi koPhulo lwe-A, ukuLawulwa koLuntu kunye nokuLawulwa kweMpahla. Imimiselo yimbopheleleko yabaqeshi kunye nezibophelelo zemvumelwano . Ezi zihlomelo zilandelayo zisebenza:
Ukulimala kwi-inshurensi
Iindleko zonyango ezenziweyo ngabani na abafanelekayo njenge -insured phantsi komgaqo-nkqubo wakho wokunyanzela ahlawulwanga. Qaphela ukuba abaqeshwa bakho baqinisekisayo phantsi komgaqo-nkqubo, ngoko oku kubandakanywa kuzo. Nangona kunjalo, okungafaniyo kusebenza kwiindleko zonyango ezenziwa ngabavolontiya. Iindleko zonyango ezenziwa ngamavolontiya zihlanganiswa.
Nabani na Okhishwe nguwe
Akukho nkonzo ekhutshwayo yenzelwa ukulimala okubangelwa ngumntu oqeshwe nguwe okanye nayiphi na enye inshurensi.
UmThengi weNdlu
Ukuba umntu ngokuqhelekileyo uhlala kwindawo ohlala kuyo okanye urenti kwaye akalimele kuloo ndawo, nayiphi na indleko ebangelwa yile ngozi ayifakwe. Ngokomzekelo, cinga ukuba uFred uqeshe indawo yeofisi kwisakhiwo onakho. Ukuba uFred uyalimala kwindawo yakhe eqeshisiweyo, ukukhutshwa kweNgxelo yeNtlawulo yezoNyango ayiyi kubhala iindleko zonyango ezinxulumene nokulimala kwakhe.
Ukulimala Okugqitywe ngabaSebenzi boMbuyekezo
Ukuba ilungu elenzakalisiweyo linelungelo lokufumana isinxephezelo semisebenzi phantsi komgaqo-nkqubo othengwe nguwe okanye nawuphi na umntu, ukulimala akufaki ukukhutshwa kweNgxelo yeNtlawulo yezoNyango. Kwiinkoliso ezininzi, iingeniso zeembuyekezo zentsebenzo zijoliswe ekusebenzeni njengesiluleko esisodwa sokulimala okunxulumene nomsebenzi.
Mi sebenzi
Akukho bhengezo olusebenzayo kunoma ubani omazi xa eqhuba, efundisa okanye ethatha inxaxheba kuyo nayiphi na imisebenzi yokuzilolonga okanye imidlalo, imidlalo, okanye imincintiswano yezemidlalo. Ngokomzekelo, ake sithi uFred ungumqeshwa wakho. UBhete, umfazi kaFred, walimala ngelixa edlala i-softball kwikomiti exhaswe yinkampani yakho. Naliphi na iindleko zonyango iBhete ezibangelwa ngenxa yengozi yakhe ayiyi kuguqulwa phantsi kweNgxelo yeNtlawulo yezoNyango.
Iimveliso ezigqityiweyo zokusebenza
Akukho nkonzo echaphazelekayo eyenza ukulimala kwabasithathu ukuba ukulimala kubangelwa ziziganeko ezivela kwimveliso yakho okanye umsebenzi ogqityiweyo. Ukulimala okunjalo kubhekiswe yimveliso-igqityiweyo lokusebenza , okubandakanyiweyo phantsi koMgca A.