Indlela Abanikazi Bamashishini Abancinci Bakwazi Ukukhusela Impahla Yabo Yabo
Amashishini amaninzi amancinci adinga ukuxhaswa ngemali ngendlela yokubolekisa ngezoshishino ukuze uqalise okanye wandise. Ukubolekwa kwemali-mboleko, ngokukodwa, umnini-shishini kufuneka ukuba anikezele umboleki-mboleko ngolunye uhlobo lokubambisa kunye nesiqinisekiso sokubuyiselwa xa ishishini lingafezekanga kwimboleko. Ekubeni ishishini elitsha lihlala lingenanto encinci kwaye incinci ingenayo ingeniso yokuqinisekisa umbolekiso, umnini-shishini uyafuneka ukuba anikezele isiqinisekiso somntu siqu.
Isiqinisekiso somntu siqu sisayinwe ngumnini-shishini ubethe i-asethi yakhe xa kusenzeka ukungaqhubi kweshishini; oko kukuthi, iimpahla zeempahla zingadinga ukuthengiswa ukuhlawula umboleko wezoshishino.
Indlela Abanikazi Bamashishini Abancinci Bakwazi Ukukhusela Iimpahla Zabo
Abanini-shishini bentsapho badla ngokuxhalaba malunga nokulahlekelwa kweempahla zabo xa ibhiziniselwano labo lihluleka ukuhlawula iindleko okanye iimboleko. Kodwa kukho isisombululo esitsha sokugcina iimpahla ezivela kumfanekiso xa ushicilelwe ishishini okanye ungagqibekanga; isisombululo esitsha sibizwa ngokuba yi "inshuwalense yangasese".
Yintoni Inqinisekiso Yobuntu Yomshuwalense?
Intshuwalense Yomntu Wesiqinisekiso Somntu (i-PGI) yintengo yomshuwalense omtsha owenzelwe ukubonelela abanikazi bamashishini abancinci nabasemgangathweni kunye nokukhusela abatyali bezindlu zokuthengisa iimpahla zabo xa batyikitya isiqinisekiso somntu.
Ukuqinisekiswa kobuqu bekude kube yinto ebomini kubanini-shishini abafuna ukubolekwa kwemali-mboleko kodwa oko akunciphisi umngcipheko ochaphazelekayo ngokubhalisa.
Ngokwenza njalo, umnini-mvume (owaziwayo njengomgcini-mboleko) unelungelo lokwanelisa imimiselo yomboleko xa kwenzeka ishishini. Oku kubeka impahla ye- guarantor (njengekhaya, imoto, iikholeji zekholeji, i-akhawunti yomhlala phantsi, njl njl njl) njongo. I-PGI yenzelwe ukukhusela impahla ye-guarantor kwiimeko ezinjalo.
Ukuba, emva kokucima impahla yoshishino, umboleki-mboleko ufuna i-asethi yakhe ukuba abuyisele imali yokubolekwa kwemali mboleko, i-PGI iya kufikelela kwi-70% yesibambiso senetyala, ngokuxhomekeke kwintengiso ethengiweyo kunye nemigaqo yomgaqo-nkqubo.
Ngokufihla kwi-70% yomthwalo wecala lomgcini-mboleko, i-PGI inika i-insured ngomnatha wokhuseleko ngaphandle kokuphelisa intshukumo yokunqoba ubunzima nokubuyisela impilo yezoshishino.
Ngubani omelela iPGI Premium?
I-PGI ngumgaqo-nkqubo wonyaka, nge-premium esekelwe ngobukhulu bemboleko kunye neempawu zobungozi boshishino oluphantsi. Umboleki / umgcini-mboleko uthenge i-inshurensi ukukhusela iimpahla zabo. I-inshurensi iyatholakala kumnini-shishini / umgcini-mgcini (njengoko) baye bazinikela kwisigqibo somntu siqu esibandakanywe nemboleko yerhwebo. Umlinganiselo ngokuqhelekileyo ufumaneka kuphela ngexesha elifutshane emva kokuvalwa kwemboleko.
I-PGI ngumgaqo-nkqubo wonyaka, nge-premium esekelwe kubukhulu bomqinisekiso wesiboleko kunye neempawu zobungozi boshishino oluphantsi kunye nokuthengiswa kwemboleko. Ngeempendulo kwimibandela embalwa, ukucaphulwa kwangaphambili kunokunikwa. Iindleko ziqala ngaphantsi kwe-1% yenani elipheleleyo lesiqinisekiso.
Ngubani owenza i-PGI eyikhusele ngokwenene?
I-PGI yenzelwe ukukhusela i-asethi yomntu oyimboleki xa usayina isiqinisekiso sakho.
Nangona kunjalo, iinzuzo zokufumana iincwadi zingabelwa kwaye abaninzi ababolekayo bajonga ukuthengwa komgaqo-nkqubo wePGI ngokuqinisekileyo njengoko unikezela ngexabiso elongezelelweyo kwisigunyaziso kwaye kuqinisekisile ukubambisana okukhoyo kwi-mboleko yomsebenzi.
Imida yeNkxaso-mboleko ye-Personal Insurance
Imilinganiselo yemali ifumaneka phakathi kwe-30% kunye no-70% yexabiso elithethiweyo sesigqibo somntu siqu, ngokwengqiqo ye-guarantor (s), ukuya kumda wemigaqo ye-$ 2.5 yezigidi. Ubuninzi bufumaneka kwiimali-mboleko zorhwebo kunye nezorhwebo (umzekelo, imigangatho yemboleko, ukubolekwa kwemali-mboleko, ukubolekwa kwexesha, ukuthengwa kwezindlu, izakhiwo zexesha kunye nemali yokuthenga imali) kwaye, ngokukodwa kakhulu, ukubolekwa kwemali kunye nophuhliso. Imali kufuneka ikhutshwe ngemali-mboleko yemali mboleko .Ingxelo ifumaneka kwiingxowa-mboleko eziqinisekisiwe zikaRhulumente ezifana nokubolekwa kwe-Small Business Administration (SBA).
Kodwa i-coverage ayifumanekanga kwiintengo zemboleko ezingalondoloziwe okanye iiprojekthi ezicetywayo.
Iprofayili yenkampani eqhelekileyo yomthengi ibhizinisi elincinci ukuya kumgangatho oqhelekileyo, ngokubanzi ngemali phakathi kwe-$ 5 yezigidi kunye neerandi eziyi-100 yezigidi, okanye ipropati yendawo yokuthengisa enexabiso eliphakathi kwe-$ 750,000 kunye ne-$ 10 yezigidi. Ibhizinisi linomlinganiselo osebenzayo wokurekhoda kunye neminyaka emihlanu yokusebenza kwamava kunye neminyaka emithathu yembali yeebhanki okanye iinqununu ezineenkcukacha ezilinganayo kwishishini.
Indlela iPGI isebenza ngayo xa iBhizinisi lingenzi phantsi kwiNgxowa-mboleko
Kwimeko yokungahlawulwanga kwemali-mboleko, ama-insured (a) mabaxelele inkampani yomshuwalense eyakhupha umgaqo-nkqubo. Umphathi weemangalo uza kubelwa ukunceda abagcini bango-insured baqonde iimeko, ukuba yeyiphi indlela engagqibekanga, nendlela yokusebenza ngayo ibango.
Olongezelelweyo NgoMark Ricciardelli
UMark L. Ricciardelli unguMlawuli oyiNtloko kunye neGosa eliLawulayo eliPhezulu, kunye noMququzeleli we-Asterisk Financial.
Funda okunye malunga noko ufuna ukufumana mboleko yezoshishino .