Yiyiphi iMbopheleleko yeMfanelo okanye ifomu lokuKhululwa?

Ukukhutshwa kweefom kunokunciphisa ingozi

Ingaba ishishini lakho linikeza iinkonzo okanye izinto ezixhasayo ezingabangela ukulimala kubaxumi okanye abathathi-nxaxheba? Iimzekelo zifundo zokugibela ihashe, iiklasi ze-aerobics, kunye neentambo zebhayisikili. Ukuba inkampani yakho iqhuba kwimisebenzi enjalo, i-insurer yakho inokunqanda ukukhupha umgaqo-nkqubo ngaphandle kokuba usebenzise ukukhutshwa kweefom zeemfanelo (ezikwabizwa ngokuba yizigwebo zokugweba).

Yintoni ukukhutshwa kweMfanelo?

Ukukhutshwa kwefom yobutyala ngumvumelwano phakathi kwebhizinisi lakho kunye nomthengi, umthengi, okanye inxaxheba.

Ngokusayine ifomu, umthengi okanye inxaxheba uvuma ukuba uyaqonda kwaye uyamkela ingozi ehambelana nomsebenzi. Lo mntu uyavuma ukukhupha ilungelo lakhe lokufaka ibango lokuzibophezela malunga nenkampani yakho nayiphi na inzakalo eqhubekayo kulo msebenzi.

Ukukhutshwa kweefom zeemfanelo zenzelwe ukunciphisa inani lezibopho zokunganaki ezifakwe ngabaphathiswa kwi shishini lakho. Kufuneka uqikelele ukusebenzisa ezi fom nangona i-insurer yakho ayifuni. Banokukunceda ukukhusela kwakho ngokumalunga neentlawulo ezibizayo.

Iingcamango Ngokukhutshwa Kweefom

Njengomnini-shishini, mhlawumbi uvile ezi ngongoma malunga nokuxoshwa kwemfanelo:

Umphathiswa osayine i-waiver akakwazi ukunditsho. Ukuhlawulwa kwemfanelo kunokuthintela ilungu elenzakele ukuba lingakuphikisi. Ukuxoshwa kuvele kutshintshe inxenye yokwenyuka kwishishini lakho kwiqela elimele. Ukuxoshwa kungakunikhulula kwiimfuno eziqhelekileyo zokunganaki, kodwa akupheli ilungelo lokumangalela.

Abaphathi banokuthi bangamangalela ngokunyaniseka kunye neenjongo zabo .

Qaphela ukuba abantwana abakwazi ukukhulula uxanduva. Ngaloo ndlela, ukukhishwa akuyi kunyanzeliswa kulabo abangaphantsi kweminyaka yobudala bemvumelwano. Abazali nabancinci bamancinci (kwaye akukho bani) unokukhulula uxanduva egameni labo.

Andiyifaki ukufaka ibango kunye ne-insurer yami yemfanelo ngengozi. Umthengi watyikitya ukukhululwa ngaphambi kokuba akhatyiswe ke ngoko andinakukhathazeka malunga nesayithi. Ndiza kuthumela ikopi yokukhululwa kummeli kumthengi. Kufuneka unike ingxelo malunga nayiphi na into okanye ufune ibharensi yakho enyanzelekileyo nangona ufumene i-exemption of responsibility kwiqela elimele.

Faka ikopi yefom yokushiya kunye nengxelo yakho. Ungazame ukujongana nokulimala okanye ukuzibango.

Andiyidingi i-inshurensi ukuba ndisebenzise ifom yokukhulula. Ifom yokukhutshwa kwecala lokuthatha inkululeko ayifaki indawo ye- inshorensi yemfanelo yorhwebo . Inokuthi ikhuphe ezinye izigwebo kodwa ayiyi kubaphelisa bonke. Umthengi osayine i-aiver angasenza ifowuni. Ukongezelela, izigwebo zingaphuma kwimisebenzi engagqithwanga yi-waiver. Khumbula ukuba ifomu zokukhuphela kufuneka zisetyenziswe ngokungezelelwe kuyo, kungekhona endaweni ye- inshorensi yemfanelo jikelele .

Iifom zokuKhuthaza

Ifomu yokukhulula ayinakusetyenziswa kwinkampani yakho ukuba ayinyanzelwanga. Imithetho ephathelele ukukhutshwa ihluka ngobuso. Amanye amazwe anemilinganiselo eqinile kwaye aya kunyanzelisa ukukhutshwa kuphela xa behlangabezana neemfuno ezithile. Abanye banemilinganiselo yokuziphatha xa abanye bewela kwindawo ethile phakathi. Amazwe ambalwa awunyanzelisi ukukhutshwa kweemfanelo kuzo zonke. Ukuba awuqinisekanga ukuba umthetho usebenza njani kwimeko yakho, cela ummeli wakho ngencazelo.

Ngelixa imithetho ihlukileyo ukusuka kummandla ukuya kwilizwe, ukukhululwa kwakho kwemfanelo kunokunyanzeliswa xa ulandela ezinye izikhokelo ezisisiseko. Isizathu esona sizathu sokuba ukukhutshwa kwezigwebo akunyanzelwanga ngamazwi aphantsi. Ukuze ukukhululwa kusebenze, kufuneka kubhalwe ngokucacileyo, ngaphandle kokungahambi kakuhle, kunye nokuthobela umthetho wombuso.

Ngokuqhelekileyo, indawo yomsebenzi iya kugqiba umgaqo wesithili osebenzayo.

Ukuba ufuna ifomu lokukhulula, cela umgcini wakho womshuwalense ukuba unako ukuthetha nawe. Ungakwazi kwakhona ukucela ummeli wakho we- inshurensi okanye umthengisi ukunika ifom. Eminye imithombo enokwenzeka yintsebenziswano yezoshishino, ukhuphiswano, kunye nemibutho okanye imibutho yobungcali.

Emva kokuba ufumene ifomu lokukhulula kumthombo onokwethenjelwa, cela ummeli wakho ukuba awuhlolisise. Unokukuxelela ukuba ukukhululwa kulungile kwi shishini lakho. Ukuba akunjalo, ugqwetha lakho lingayilungisa enye efanelekileyo. Uninzi lwabagwebi bahlawula imali ethobekileyo yokuqulunqa amaxwebhu anjalo. Naluphi na umrhumo, kuya kuba ngaphantsi kweendleko zetyala. Cela ummeli wakho ukuba ahlaziye le fomu ubuncinane kanye ngonyaka. Imithetho itshintsha rhoqo, kwaye ulwimi kwifomu yakho ludinga ukulungiswa.

Gwema Ezi mpazamo!

Abaninzi bamashishini banokwenza iimpazamo xa besetyenziselwa iifom zokukhulula. Nazi ezinye iimpazamo zokuphepha.

1. Ukusebenzisa iifom ozikhuphayo kwi-intanethi . Iifom ozifumanayo kwi-intanethi kungenzeka ukuba azifanelekanga kwishishini lakho kwaye azinakuhlangabezana neemfuno zakho zomthetho.
2. Ukuqulunqa ifomu lakho lokukhuphela. Ngaphandle kokuba ungummeli, musa ukusebenzisa ifom ozibhalileyo. Iindleko zokuqeshisa igqwetha ukuba liqulunqe umbhalo ochanekileyo ngemali imali esetyenziswayo kakuhle.
3. Ukusebenzisa ulwimi oludidekisayo, kubandakanywa nemithetho yomthetho . Ukunyanzeliswa, ukuxhatshazwa kwemfanelo kufuneka kucaciswe kwaye kuqondwe kumthengi okanye kumphathi.
4. Ukutya ukukhutshwa ngokuprintwa kakuhle . Ukukhululwa kufuneka kubonakale ngokucacileyo kumphathi. Ungazami ukufihla ngokusebenzisa ngokuprintwa okuncinci okanye ukuwungcwaba kwelinye idokhumenti. Ukukhululwa kolwimi kufuneka kubonakale kumqulu ohlukeneyo ngoko kulula ukuchonga.
5. Ukusebenzisa ifom equkethe izikhala ezingenanto. Musa ukunika ifom kwi-patron engenayo ulwazi. Qiniseka ukuba yonke imigca engenanto igcwaliswe ngaphandle kwaleyo iya kugqitywa ngumphathi. Umphathiswa kufuneka akwazi ukufunda nokuqonda isivumelwano asayinayo.
6. Ukusebenzisa iifom zakho abathengi abaziqondi. Abanye abathengi banokuba nolwimi, amehlo, okanye ezinye izinto ezinokubangela ukuba bakwazi ukuqonda ukukhululwa. Laba bathengi bangafuna ukukhutshwa kwiprinta enkulu, i-braille, ulwimi lwangaphandle, okanye enye ifomathi.

Xa kubhaliwe ngokufanelekileyo, ukukhutshwa kwemfanelo kunokusebenza njengokhuselo olunamandla kumabango omonakalo emzimbeni . Abanikazi bamashishini banokufumana ingcamango yeentlobo zokukhutshwa eziphumeleleyo, kunye nabangenjalo, ngokuphonononga amacala enkundla kwiwebhusayithi yeYunivesithi yaseVermont. I-Yunivesithi abaxhasi beqela le-equestrian, kwaye ligcina ihashe elinamandla kunye nenkqubo yomnini ozinzile. Ilandelela amatyala enkundla kumthetho we-equine, kubandakanywa nalawo ahlobene nokuxoshwa kwemfanelo.

Iindlela ezilungileyo zoShishino

Ukukhishwa kwamatyala akho akwazi ukunyanzeliswa ukuba ulandele izinto ezifanelekileyo zezoshishino. Abaqeshwa bakho mabaqonde indlela yokusebenzisa ngokufanelekileyo. Bamele bafune ukuba bonke abathandi bafunde ukukhululwa ukuze baqonde imigaqo yayo. Abaphathiswa abafanelekanga ukukhawuleza. Ukuba banemibuzo, abasebenzi bakho kufuneka banikele iimpendulo. Abaqeshwa bakho mabaqinisekise kwakhona ukuba yonke imigca engagqibekanga iyazaliswa. Bamele banqatshelwe nayiphi na ifomu yokukhuphela ukuba umncedisi akaphumelelanga ukugqiba, nokuba ngaba bangengozini yokulahlekelwa ukuthengiswa.