Iwe unoziva kuti inishuwarenzi ipfungwa yakanaka, asi ngative vakatendeseka - hausi kuzoshandisa mari yako yawakawana zvakaoma pane chimwe chinhu chausingadi.
Uye ndosaka tiri pano.
Isu tichakuudza zvese nezve yakavanzika mari yeinishuwarenzi muIndia, saka iwe unonyatsoziva zvekutarisa kana uchitenga politisi, uye imarii yaungachengeta nekugadzirira!
Ndeapi Mari Akavanzika Inishuwarenzi Yekudzivisa muIndia?
Kune akawanda akavanzika einishuwarenzi mari yekudzivirira muIndia.
Zvinotevera ndezvimwe zvinowanzovanzwa mari yeinishuwarenzi kudzivirira:
Chikoro uye Dzidzo
Kurapwa kweanopihwa inishuwarenzi kunowanzo kudiwa, izvo zvinogona kukanganisa premium mutengo. Semuenzaniso, kana uine hurwere kana kukuvara kuchikoro kana kubatwa uchiputa kana kunwa, izvi zvinogona kutungamirira kune imwe mhosva.
Zvakare, nevane mapolicy vari vana vakura nevechiri kuyaruka, kambani yeinishuwarenzi inogona kubhadharisa maprimiyamu epamusoro sezvavanoshuvira kuwana kuchengetedzwa kwakawanda kana vakarwara.
Personal Background
Kana kambani yako yeinishuwarenzi ikaona kuti une mbavha kana kuti uri munhu anonetsa kuchikoro, ungatofanira kubhadhara mari yakawanda. Zvakare, kana paine zvimwe zvinhu zvakaita sekuputa kana kunwa kumashure kwako, izvi zvinowedzera mapremium. Kuderedzwa kwakakosha dzimwe nguva kunoshanda, asi ivo vanotora imwe nhamburiko kuti vawane.
tsaona
Izvi zvinowanzovharwa uye zvinowanzokwidza maprimiyamu nekuda kwezvikumbiro. Zvisinei, kana njodzi yacho yakakonzerwa nemhosva yako, unofanira kutarisira kubhadhara yakawanda. Kuvharwa kwenjodzi kunokamurwa kuita zvikamu zviviri.
Yekutanga inobhadhara mari yachiremba, amburenzi, uye kugara muchipatara. Nekudaro, kana iwe uchida prosthesis kana kuenda kunze kwenyika kunorapwa, haina kuvharwa, zvichireva kuti inishuwarenzi yako haibhadhare mutengo wakazara wetsaona yako.
Chikwereti Inishuwarenzi
Inishuwarenzi yechikwereti inopihwa kuchengetedza yako makadhi emakadhi uye zvikwereti kana usingakwanise kuzvibhadhara nekuda kwekurwara, kuremara, kana kufa.
Idziviriro yakadii iripo, uye mutengo uchaenderana nepolicy yako. Semuenzaniso, kana kadhi rako rechikwereti rine $500 muganho, mukana uri kuwana $500 inshuwarisi yehupenyu inodhura yakawanda kupfuura $500 yechikwereti cheinishuwarenzi.
Medical Discount Plan
Zvinonzwika sechibvumirano chakanaka - iwe unobhadhara mwero wepaflat kune akaderedzwa masevhisi ekurapa uye mazino basa rakavharwa nehurongwa, uye unogona kuona chero chiremba nemari isingasviki avhareji.
Haufe wakaona vamwe vanachiremba mahara, uye unofanirwa kubhadhara mari yese, kunyangwe zvakachipa pane kukuona chiremba we-in-network kana wemazino.
Kubhadhara Inishuwarenzi Zvakananga Kubva Muhoro Wako
Iwe unowana dziviriro shoma, sezvo iyo premium ichave yakakwirira kupfuura kana iwe wakaibhadhara kubva muhomwe yako. Nesarudzo iyi, zvibvunze kana uchida inishuwarenzi.
Mushure mezvose, mari yekurapa inogona kukwira, uye mihoro yakaderera zvinoreva kuti zvichave zvakaoma kuwana mari yakawanda yekuvhara.
Inotsausa Policy Proposal
Iyo inishuwarenzi pachayo inogona kupa ruzivo rwunotsausa pamusoro pemitengo yeprimiyamu yekukwezva vatengi kuti vavashandise sematurusi ekutaurirana nevangangove vatengi.
Izvi zvakajairika sezvo vazhinji veinishuwarenzi vachizopa mari shoma yekukwevera muvatengi. Nekuda kweizvozvo, pane musiyano mukuru mumakotesheni akapihwa nemakambani akasiyana, asingapi ruzivo nezvemitengo chaiyo.
MaPrimiyamu epamusoro eKukosha kwakaderera kweBenefits
Kana iwe uine yakakwira deductible, kambani yeinishuwarenzi haizobhadhara chero mari inobviswa.
Zvisinei, vanhu vakawanda vanopedzisira vabhadhara mari dzepamusoro-soro dzemitemo ine mari shoma, izvo zvinoita kuti pave nemitengo yeinishuwarenzi uye yeinishuwarenzi iyo inogona kudziviswa nekuverenga zvakadhindwa zvakanaka usati watenga inishuwarenzi kubva kune inshuwarisi.
Kwegore Renewal Premiums
Mainishuwarenzi mazhinji anoda kuti iwe ubhadhare premium yekuvandudza gore rega, zvichitungamira kumari yaunofanirwa kudzivirira. Tsvaga musika kuti uwane zvibvumirano zvakanakisa uye enzanisa mitengo yekuvandudza yeprimiyamu yauri kubhadhara insurer.
Kana mitengo yakaderera iripo, endesa bhizinesi rako kune imwe nzvimbo pasina kunonoka. Iwe unogona zvakare kushandura mutemo wako kudzivirira maprimiyamu ekuvandudza.
Nzira Yokudzikisa Mari Yeinishuwarenzi?
Imwe yedzakareruka nzira dzekudzikisa mari yako yeinishuwarenzi ndeyokuwana masevhisi emumiriri weinishuwarenzi anogona kukutungamira mukuita uye kukubatsira kunzwisisa zvekutarisa kana uchisarudza polisi. Uyewo kuti ungaita sei Chengetedza mari pane yako inishuwarenzi premium nekutenga tenderera kune yakanakisa dhiri.
Kana iwe uchigona kuwana yakanaka quote, zvakakosha kuti utarise uye uwane inodarika imwe quote kubva kune vakasiyana vanopa kuti uone kuti ndeipi inopa yakanyanya mutengo.
mhedziso
Kana zvasvika pamitengo yeinishuwarenzi, unofanirwa kuve wakangwarira mari yakavanzika uye kwete izvo zvichaitika kana imba yako ikatsva.
Iwe unofanirwa kuziva nezvese zvese usati wasaina porisi uye woona kana zvakakodzera kubhadhara mutengo wekutanga kana kana iwe uchigona kuwana dhiri iri nani kune imwe nzvimbo.
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