Uyazi ukuba i-inshorensi licebo elihle, kodwa masinyaniseke—awuyi kuchitha imali oyisebenzele nzima kwinto ongayifuniyo.
Yiyo loo nto silapha.
Siza kukuxelela zonke malunga neendleko ze-inshurensi ezifihliweyo e-Indiya, ngoko uyazi kakuhle into omele uyijonge xa uthenga ipolisi, kwaye ungakanani imali onokuyigcina ngokulungiswa!
Ziziphi iindleko ze-inshurensi ezifihliweyo onokuziphepha eIndiya?
Zininzi iindleko ze-inshurensi ezifihliweyo onokuziphepha eIndiya.
Oku kulandelayo zezinye iindleko ze-inshorensi ezifihlakeleyo onokuziphepha:
Isikolo kunye neMfundo
Unyango lwezonyango lomntu ofakwe kwi-inshurensi luhlala lufuneka, olunokuthi lube nefuthe kwiindleko zeprimiyamu. Umzekelo, ukuba unesigulo okanye ukwenzakala esikolweni okanye ubanjwe utshaya okanye usela utywala, oku kunokukhokelela kwiintlawulo ezongezelelweyo.
Kwakhona, kunye nabanini-polisi abangabantwana abadala nabakwishumi elivisayo, inkampani yeinshorensi inokubiza iipremiyamu eziphezulu njengoko inqwenela ukufumana ukhuseleko olungakumbi ukuba bayagula.
Imvelaphi Yomntu
Ukuba inkampani yakho yeinshorensi ifumanisa ukuba unemvelaphi yolwaphulo-mthetho okanye unengxaki esikolweni, kusenokufuneka uhlawule intlawulo ephezulu. Kwakhona, ukuba kukho izinto ezithile ezifana nokutshaya okanye ukusela kwimvelaphi yakho, ezi ziya kwandisa iipremiyamu. Izaphulelo ezikhethekileyo ngamanye amaxesha ziyasebenza, kodwa zithatha umzamo wokufumana.
Iingozi
Ezi zikholisa uku-inshorwa kwaye zihlala zinyusa iipremiyamu ngenxa yamabango. Nangona kunjalo, ukuba ingozi ibe ngenxa yempazamo yakho, kufuneka ulindele ukuhlawula kakhulu. Ukhuseleko lwengozi lwahlulwe lube ngamacandelo amabini.
Eyokuqala ihlawula iindleko zikagqirha, iambulensi, kunye nokuhlala esibhedlele. Nangona kunjalo, ukuba ufuna iprosthesis okanye kufuneka uye kumazwe angaphandle ukuze ufumane unyango, ayifakwanga, oku kuthetha ukuba i-inshurensi yakho ayilihlawuleli iindleko ezipheleleyo zengozi yakho.
I-Inshurensi yeTyala
I-inshurensi yetyala inikezelwa ukukhusela makhadi e khredithi kunye nemali-mboleko ukuba awukwazi ukuyibuyisela ngenxa yokugula, ukukhubazeka, okanye ukufa.
Lungakanani ukhuseleko olukhoyo, kwaye iindleko ziya kuxhomekeka kwipolisi yakho. Umzekelo, ukuba ikhadi lakho letyala linomda we-500 yeedola, amathuba okufumana i-inshurensi yobomi yeedola ezingama-500 kuya kuxabisa ngaphezulu kwe-inshurensi yetyala elingangeedola ezingama-500.
Isicwangciso sesaphulelo soNyango
Kuvakala ngathi yinto elungileyo - uhlawula ireyithi ethe tyaba yeenkonzo zonyango ezithotyiweyo kunye nomsebenzi wamazinyo ogutyungelwe sisicwangciso, kwaye unokubona nawuphi na ugqirha ngeendleko ezingaphantsi komndilili.
Awunakuze udibane nabanye oogqirha simahla, kwaye kufuneka uhlawule yonke imali, nokuba inexabiso eliphantsi kunokubona ugqirha ongaphakathi kwinethiwekhi okanye ugqirha wamazinyo.
Intlawulo ye-inshurensi ngokuthe ngqo kuMvuzo wakho
Ufumana ukhuseleko oluncinci, njengoko ipremiyamu iya kuba phezulu kunokuba uyihlawule epokothweni yakho. Ngolu khetho, zibuze ukuba uyayifuna na i-inshurensi.
Emva kwayo yonke loo nto, iindleko zonyango zinokunyuka, kwaye imivuzo ephantsi ithetha ukuba kuya kuba nzima ukufumana ukhuseleko olongezelelekileyo.
Isindululo soMgaqo-nkqubo oLahlekisayo
I-inshurensi ngokwayo inokubonelela ngolwazi olulahlekisayo malunga namaxabiso eprimiyamu ukurhwebesha abathengi ukuba bawasebenzise njengezixhobo zothethathethwano kunye nabo baza kuba ngabathengi.
Oku kuqhelekile njengoko uninzi lwee-inshorensi ziya kubonelela ngeprimiyamu encinci yokutsala abathengi. Ngenxa yoko, kukho umahluko omkhulu kwiikowuteshini ezinikwe ziinkampani ezahlukeneyo, aziniki lwazi malunga neendleko zokwenyani.
IiNtlawulo zaNyanga eziPhezulu zeXabiso eliPhantsi leZibonelelo
Ukuba une-deductible ephezulu, inkampani ye-inshurensi ayiyi kuhlawula nayiphi na imali exhuzulwayo.
Nangona kunjalo, abantu abaninzi baphetha behlawula iipremiyamu eziphezulu kakhulu kwiipolisi ezineenzuzo eziphantsi, nto leyo ebangela ukuba ngaphantsi kwe-inshorensi kunye neendleko ze-inshorensi ezinokuthi ziphetshwe ngokufunda umbhalo oqingqiweyo ngocoselelo ngaphambi kokuba uthenge ipolisi ye-inshorensi kwi-inshurensi.
IiNtlawulo zoNyaka zoHlaziyo
Ii-inshorensi ezininzi zifuna ukuba uhlawule isavenge sohlaziyo ngonyaka, nto leyo ekhokelela kwiintlawulo ekufuneka uziphephe. Fumana imakethi ukuze ufumane amaxabiso angcono kwaye uthelekise amaxabiso epremiyamu yokuhlaziya owahlawulayo kwi-inshurensi.
Ukuba amaxabiso aphantsi ayafumaneka, yisa ishishini lakho kwenye indawo ngaphandle kokulibazisa. Ungatshintsha kwakhona ipolisi yakho ukuphepha iipremiyamu zohlaziyo.
Zithotywa njani iindleko ze-Inshurensi?
Enye yeendlela ezilula zokunciphisa iindleko ze-inshorensi kukufumana iinkonzo ze-arhente ye-inshurensi enokukukhokela kwinkqubo kwaye ikuncede uqonde into omawuyijonge xa ukhetha ipolisi. Kanye nendlela yokwenza Gcina imali kwiprimiyamu yakho ye-inshurensi ngokuthenga malunga neyona nto ingcono.
Ukuba ungafumana isicatshulwa esilungileyo, kuyafaneleka ukukhangela kwaye ufumane isicatshulwa esingaphezulu kwesinye kubaboneleli abahlukeneyo ukuze ubone ukuba yeyiphi enikezela ngexabiso elingcono.
isiphelo
Xa kuziwa kwiindleko ze-inshorensi, kufuneka ukhangele iifizi ezifihliweyo kwaye kungekhona nje into eya kwenzeka ukuba indlu yakho iyatsha.
Kufuneka uqaphele yonke into ngaphambi kokuba ubhalisele umgaqo-nkqubo kwaye ubone ukuba kufanelekile ukuhlawula ixabiso leprimiyamu okanye ukuba unokufumana isivumelwano esingcono kwenye indawo.
Shiya iMpendulo