Iphi?
Uninzi lwemigaqo-shishini yezorhwebo inomhlathi ochanekileyo wokukhansela owenziwe ngu- ISO . Eli gatya lifumaneka ngokubanzi kwimigaqo-nkqubo. Iipolisi ezibandakanya uhlobo olungaphezulu kolunye uhla lwe-coverage zingaba neziqendu ezininzi.
Ngokomzekelo, umgaqo-nkqubo wepakethi oquka uxanduva olubanzi kunye nokuthengiswa kwepropati yepropati iya kuba neemeko ezizimeleyo kunye nezimo zepropati. Xa umgaqo-nkqubo unikeza ezimbini okanye ezininzi iintlobo zokubhengezwa, isigatya sokukhansela sivame ukuvela kwifomu ehlukile ebizwa ngokuba yiMigaqo-nkqubo yoLuntu (okanye into efanayo).
Ngubani ongayicima iPolisi
Umhlathi wesigxina wokukhansela uchaza ukuba umgaqo-nkqubo unokukhanselwa ngenye yamacala amaqela: owokuqala obizwa ngokuba ngumshwalense okanye umshwalense . Umntu obizwa ngokuba ngumshurensi owokuqala ngumntu okanye iqumrhu elibhaliweyo kuqala kwimibhengezo, ukuba umgaqo-nkqubo uquka ngaphezulu kwegama elinye elibizwa ngokuba yi-insured .
Umntu obizwa ngokuba ngumshurensi wokuqala unokususa umgaqo-nkqubo nangaliphi na ixesha ngokuthumela okanye ukuhambisa isaziso esibhaliweyo kwi-insurer. Isaziso kufuneka sinikezelwe "kwangaphambili." Oku kuthetha ukuba ukuba umnini-shishini ufuna ukuba umgaqo-nkqubo ukhutshwe ngosuku oluchanekileyo, kufuneka axelele umshwalense ngaphambi kwaloo mhla.
Isigatshana sokukhansela se-ISO sikhombisa umshwalense ukuba akhansele umgaqo-nkqubo wakho wokungahlawuliswa kwe-premium okanye nayiphi na isizathu. Kukho nawuphi na umzekelo, umshwalense kufuneka athumele okanye athumele isaziso esibhaliweyo kuwe (owokuqala obizwa nge-insured) ngexesha elithile. Ukuba umgaqo-nkqubo ukhansekile ngenxa yokuba awuzange uyihlawule i-premium, umshwalense kufuneka akhuphe isaziso kuwe kwiintsuku ezingama-10 ngaphambi kokuba ukhansela luphumelele.
Ukuba i-inshurensi ikhansela nayiphi na isizathu, kufuneka ithumele isaziso kuwe ubuncinane iintsuku ezingama-30 kwangaphambili.
Imithetho kaRhulumente
Igatya lokukhansela eliqhelekileyo livumela umgcini-mali ukuba akhuphe umgaqo-nkqubo wakho naziphi na izizathu ezikhethayo. Ngethamsanqa, eli gama libanzi lilawulwa ngumthetho kaRhulumente. Uninzi lwawo luneemithetho echaza ukuba yintoni na umcebisi angayicima ngayo umgaqo-nkqubo we-inshorensi (kuquka ne- inshurensi binder) . Le mithetho ihlala iqulethe imiqathango eyahlukileyo kumhlathi ochithwayo wokukhansela. Amalungiselelo karhulumente aphethwe ngokugqithisiweyo ngokubhengezwa kwenkqubo.
Cishe zonke iindawo zivumela i-inshurensi ukuba ikhansele umgaqo-nkqubo nawuphi na umvuzo wokuhlawulwa kwemali ye-premium ukuba umgcini-mpahla uzalisekisa imfuneko yesaziso. Nangona kunjalo, imithetho ekhethekileyo isebenzayo xa abaqhorensi bekhupha imigaqo-nkqubo ngenxa yezizathu ngaphandle kokungahlawulwa kwe-premium. Ngokomzekelo, i-insurers ingafuneka ukuba inikezele isaziso seentsuku ezingama-45, ezingama-60, okanye ezingama-90 endaweni yesaziso seentsuku ezingama-30 esinikezelwe ngumhlathi wesigxina sokukhansela.
Abanye bathi ama-inshurensi ebharha ekukhutshweni kwemigaqo ngaphandle kweemeko ezithile. Nazi ezinye zezizathu zokuba umkhorensi angavunyelwa ukukhansela:
- Umshuwalense uhlulekile ukuhlawula i-premium.
- Umshurensi wenze inkohlakalo yomshuwalense .
- Umshuwalense uye wafunyanwa enetyala lokuphula umthetho wesigqeba okanye wombuso, kwaye ukuphulwa kwenze ishishini likhuphe.
- Umshuwalense uye waphula ngokuzithandela umgangatho omnye okanye ngaphezulu kwezokuphepha.
- Umshuwalense uhlulekile ukuphumeza amanyathelo okulawulwa kwelahleko eyimeko yokubhengezwa.
- Ukuqinisekiswa kwakhona kwindishurensi efunyenwe ngaphambili kwishishini le-insured okanye ipropati ayisekho.
Amanye amabango avimbela abaqinisekisi ukuba baxoshe imigaqo-nkqubo nangaliphi na ixesha ngaphandle kwezizathu ezichazwe. Abanye bavumela abatshutshisi ukuba baxoshe imigaqo-nkqubo nayiphi na isizathu ngexesha elithile, njengeentsuku ezingama-60 ukusuka kumhla wokuqalisa komgaqo-nkqubo. Emva kokuba ixesha lidlulile, abaqinisekiso bange-inshorensi banokukhansela kuphela isizathu esibhalwe kwisigunyaziso.
Ukukhuselwa koBanzi kuthatha kuqala
Imithetho kaRhulumente isoloko inikezela ukhuseleko olubanzi kubanini-mithetho kunecandelo lokukhansela kumgaqo-nkqubo.
Kule meko, umthetho uya kunqumla umgaqo-nkqubo. Ukuba igama lomgaqo-nkqubo libanzi kunokuba lifuneka ngumthetho welizwe, ke igama lomgaqo-nkqubo liya kusebenza. Ngokomzekelo, cinga ukuba umgaqo-nkqubo unikezela isaziso seentsuku ezingama-90 sokukhansela nganoma yisiphi isizathu ngaphandle kokuhlawulwa kwe-premium. Umthetho unikeza isaziso seentsuku ezingama-60 kuphela. Kule meko, imimiselo yomgaqo-nkqubo iya kunqumla umthetho.
Amaqela amaninzi ayenze "ukulungiswa" kwawo okubhengezwayo achaza iimeko apho umgaqo-nkqubo ungachithwa khona. Oku kuvunyelwa ngokuqhelekileyo kuyimfuneko, oku kuthetha ukuba kufuneka iqhotyoshelwe kumgaqo-nkqubo wakho.
Amalungiselelo okukhansela ahluka kakhulu ukusuka kwiphondo ukuya kwilizwe. Ukuze ufumane ukuba yeyiphi imimiselo esebenzayo kwimeko yakho, qhagamshelana nommeli wakho we- inshorensi , isebe le-inshorense yomntu okanye ummeli.
Buyisela i-Premium
Ukuba umgaqo-nkqubo uyakunqunyulwa, umgcini wakho womshuwalense kufuneka akhokhe i-premium engayifumani. Imali yentlawulo ingahluka ngokuya ngowaphi owaqalisa ukukhanselwa, wena okanye wakho umshwalense. Ukuba i-inshurensi iqalile ukukhansela, i-premium yakho yokubuyiselwa kufuneka ibalwe kwinqanaba elithile. Ukuba ucelile ukukhanselwa, i-premium yakho yokubuya ingaba yimfutshane.
Ngokomzekelo, cinga ukuba umgaqo-nkqubo usetyenziswe inyanga enye xa ukhanselwa ngumgcini wakho womshuwalense. I-premium yakho yokubuyela kufuneka ibe ngu-11/12 (92%) ye-premium yeminyaka epheleleyo. Nangona kunjalo, ukuba uqalise ukukhanselwa, i-premium yakho yokubuyela iya kuba yinto emfutshane, engaphantsi kwe-pro-rata. I-inshurensi igcina inxalenye ye-premium ukuze ihlawule iindleko zayo zokulawula.
Igatya lomThetho
Ekugqibeleni, xelela ukuba unesakhiwo soshishino othenge ngalo ngemali. Uqiniseke isakhiwo sakho phantsi komgaqo-nkqubo wepropati . Isigatshana sokukhansela i-ISO asikhankanyi ngemali-mboleko (ababolekisi). Nangona kunjalo, umshwalense wakho unyanzelekile ukuba azise umboleki wakho ukuba uyayicima i-inshurensi yepropati yakho. Ngoba? Impendulo inokufumaneka kwisigatshana esiphezulu somhlalaphantsi kwipolisi yakho yepropati.
Igatya lendleko lifuna umshwalense ukuba azise umnini-mboleko wakho kwangaphambili ukuba iyakususa umgaqo-nkqubo wakho. I-inshurensi kufuneka inikezele isaziso seentsuku ezili-10 ukuba ikhansela ukungabikho kwentlawulo ye-premium kunye nesaziso seentsuku ezingama-30 ukuba ikhansela nayiphi na isizathu. Umthetho wesizwe unokunyanzelisa ixesha elide lokwazisa.