Kutheni Unokufuna
Iimigaqo-nkqubo ezenziwe ngamabango zibandakanya amabango awenziwe malunga nenkampani yakho okanye nayiphi na inshurensi ngexesha lepolisi. Abafaki iibango ezifakwe emva kokuba i-coverage iphelile.
Oku kunokuba yingxaki ukuba umgaqo-nkqubo ukhanselwa okanye angayihlaziywanga kwaye awunayo i-postage coverage. Ukuba kukho naziphi na izimangalo ezibhekiswe kwishishini lakho emva kokuba umgaqo-nkqubo usuphelile, unokufuneka uhlawule njengendleko ephuma ngaphandle.
Iingxaki zinokuvela kwakhona xa ubeka umgaqo-nkqubo owenziwe ngamabango umgaqo-nkqubo. Imigaqo-mboleko ikhupha amabango avela kwingozi okanye umonakalo (okanye omnye umcimbi) owenzeka ngexesha lomgaqo-nkqubo. Ibango lingenziwa ngexesha lomgaqo-nkqubo okanye nayiphi na ixesha emva koko. Amabango athetha ukulimala okanye umonakalo owenzeka ngaphambi okanye emva kokuba umgaqo-nkqubo ungagqitywanga. Umzekelo olandelayo ubonisa i-gap yokukhawuleza eyenzekayo xa utshintshela kumgaqo-nkqubo owenziwe ngamangalo kumgaqo-nkqubo osebenzayo kwisiganeko.
Mhlawumbi uthengisa umgaqo-nkqubo wonyaka-mali owenziwe ngamabango ngokuqala ngomhla ka-Juni 1, 2018. Umgcini wakho womshuwalense unqanda umgaqo-nkqubo wakho ngo-Matshi 31, 2019, kwaye uyayitshintsha ngomgaqo -nkqubo.
Ngo-Meyi 1, ngo-2019, ufumana isaziso sokuthi ibango lifakwe kuwe ngokulimala komzimba okwenziwe ngoSeptemba 1, 2018. Ibango alikhawulelwanga ngumgaqo-nkqubo owenziwe ngamabango ngenxa yokuba yenziwe emva kokuba ipolisi yakho iphelile. Ayigxininiswe ngumgaqo-nkqubo wakho omtsha okanye ukususela kwimeko yokulimala okwenziwe kwangaphambili ngaphambi kokuba lo mgaqo uphumelele.
Inye-iNdlela okanye iMibini-Umsila
Ezinye iinkqubo zinikeza i-ERP kuphela xa i-inshurensi ikhansela okanye ingabuyi kuphinda iphinde ivuselele umgaqo-nkqubo wakho, okanye iphinde ibhale kwakhona ingxelo yakho phantsi komgaqo-nkqubo. Akukho banikwayo ukuba wena (umgcini-mgaqo-nkqubo) unqume ukukhansela okanye ungabuyi ukuhlaziywa kwakho. Olu hlobo lwe-ERP lubizwa ngokuba ngumsila onye-ndlela kuba lubonelelwa kuphela kwi-option insurer. Ezinye iinkqubo ziquka umsila weendlela ezimbini. Oko kukuthi, banikezela i-ERP ukuba wena okanye wakho umshwalense ukhetha ukucima okanye ukungahlaziyi umgaqo wakho.
ERP kunye ne-ERP
Imigaqo-nkqubo eyenziwa ngamabango iquka ngokubini ixesha elifutshane elifutshane kunye nexesha elide lokunika ingxelo. Umsila wexesha elifutshane uhlala unikwa ngokuzenzekelayo ukuba umgcini-mali uyakunqanda okanye awuyivuselela umgaqo-nkqubo wakho. Ngokuqhelekileyo ihlala iintsuku ezingama-30 okanye ezingama-60 emva kokuba umgaqo-nkqubo wakho uphela.
Abaninzi batshorensi banikela umsila wexesha elide kwi-premium eyongezelelweyo. Esi sikhokelo sivame ukunikezwa ngegunya lokuvuma . Umsila wexesha elide uhamba ngamagama amaninzi. Ngokuxhomekeke kumgaqo-nkqubo, kunokuthiwa yi-Supplemental ERP, i-ERP ye-Optional, i-Period yokuFumana, okanye i-Period yoLwazi oluPhakamileyo. I-ERP ekhethiweyo ibonelelwe kuphela xa uyicela ngokubhaliweyo kwaye uyihlawule i-premium ngexesha elichanekileyo, ezinjengeentsuku ezingama-60 emva kokuba umgaqo-nkqubo uphela.
Umzekelo-nkqubo we-ISO eyenziwe ngamabango
Ingxelo eyenziwe ngamabango e- ISO yomgaqo-mboleko jikelele (CGL) inika umzekelo omhle wendlela ama-ERP angayisebenzisa ngayo. Umgaqo-nkqubo unikeza i-ERP eyisiseko kunye ne-optional (ER Supplemental) ERP. Enye okanye zombini ii-ERP zinikezelwa ukuba umgaqo-nkqubo ukhutshwe okanye awuyivuselelwa. Umgaqo-nkqubo awucacisi ukuba ngubani omele akhansele okanye angayivuselela ngoko i-ERP ibonakala ibe yimisindo emibili. Enye okanye zombini ii-ERP nazo zinikezelwa ukuba umgaqo-nkqubo utshintshwe ngumgaqo-mvume okanye umgaqo-nkqubo owenziwe ngamabango onomhla ongaphambili wokubuyisela ukusebenza kunomgaqo-nkqubo okhoyo.
ERP esisiseko
I-CGL eyenziwe ngamabango inika i-ERP eyisisiseko ngokuzenzekelayo ukuba umgaqo-nkqubo ukhanseliwe, awuyivuselelwa, okanye utshintshwe njengoko kuchaziwe ngasentla. I-ERP eyiNtloko ihlala iminyaka emihlanu ukususela ekupheleni kwexesha lepolisi. Inika umnikazi wepolisi iminyaka emihlanu ukuba abike amabango avela kwimeko okanye isigwebo esichazwe kwintlawulo yomshuwalense ngexesha lepolisi okanye emva kweentsuku ezingama-60 emva koko.
Okokuthi, ukuba kwenzeka isiganeko ngexesha lomgaqo-nkqubo, kwaxelwa kwintlawulo yomshuwalense emva kweentsuku ezingama-60 emva kokuba umgaqo-nkqubo uphelelwe, kwaye isiganeko senze ibango, ibango kufuneka likhutshwe ukuba libikwe ngaphakathi kwandisa iminyaka emihlanu. Ibango kufuneka lifune umonakalo wokulimala komzimba, umonakalo wepropati okanye ubungozi bomntu siqu kunye nentengiso .
Ngokomzekelo, cinga ukuba unesiqinisekiso ngaphantsi komgaqo-nkqubo weCGL owenziwe ngamabango. Isiganeko se- slip-and-fall senziwa ngexesha lexesha lomgaqo-nkqubo wakho. Uxela isiganeko sakho kwi-insurer yakho ngosuku. Xa umgaqo-nkqubo wakho uphela, i-inshurensi yakho iyayifakela ngomgaqo-nkqubo. Ukuba ibango lihanjiswa ngokuchasene nawe ngenxa yesiganeko slip-fall-in-fall, ibango kufuneka lifakwe yi-ERP yakho eyiNtloko xa uyibika kwingxelo yakho yomshuwalense kwiminyaka emihlanu yomhla wakho umgaqo-nkqubo owenziwe ngamabango uphela.
I-ERP eyiNtloko inikezela iintsuku ezingama-60 ukubika amabango avela kwiziganeko okanye iimpazamo ezingazange zinike ingxelo kwi-insurer yakho ngexesha lepolisi. Ngokomzekelo, cinga ukuba isiganeko sesibini kunye nesiganeko senzeke ngexesha lexesha lemigaqo-nkqubo eyenziwe ngamabango. Ngelishwa, ukhohliwe ukwazisa umshwalense wakho. Ukuba isiganeko sesibini kunye nesiganeko siza kubangela ibango, loo bango iya kubhekiswa kuphela xa uyibika kwingxelo yakho yomshuwalense kwiintsuku ezingama-60 ukususela kumhla umgaqo-nkqubo wakho uphela.
ERP Supplemental
Ifom ye-ISO eyenziwe ngamabango inika ithuba lokuthenga i-ERP ye-Supplemental. Umsila ongezelelweyo uthatha ukusebenza xa i-ERP yakho yeSiseko iphela. Ubude balo bungenamkhawulo. Ukuba unqwenela ukuthenga i-ERP ye-Supplemental, kufuneka uxelele i-insurer yakho ngokubhala phantsi kweentsuku ezingama-60 emva kokuba umgaqo-nkqubo wakho uphela.
Ukuba uthenge umsila oncedisayo phantsi kwe-CGL eyenziwe ngamabango, umgcini wakho womshuwalense uza kubuyiselwa umda wakho jikelele. Oku kuthetha ukuba umda woLuntu oPhezulu olutsha uza kufakwa kwiimangalo ezibikwe ngexesha le-ERP.
Funda izibonelelo ze-ERP ngokucophelela
Amalungiselelo anikeziweyo okunika ingxelo ahluka ngokubanzi ukusuka kumgaqo-nkqubo ukuya kwenye. Qaphela ngokungafani neCGL echazwe ngasentla, ukuba ezininzi iinkqubo ezenziwe ngamabango aziboneleli umda omtsha phantsi kwexesha lokunika ingxelo. Ngaphezu koko, imigaqo embalwa inikezela ixesha elingenamkhawulo ukubika amabango. Uninzi lwe-ERP lusetyenziswa ixesha elichanekileyo, elineminyaka emihlanu okanye elishumi.