Ininshurensi Yempahla

Ingcamango ye "inshuwalense yepropati" ibandakanya inkcazelo yomthetho yomshuwalense yeminqweno yamashishini angomthetho kunye nabantu ngabanye. Abatshutshisi bakha i-akhawunti ekhethiweyo ye-cash, esetyenziselwa ukuhlawula iziganeko ezithile ze-insured. Namhlanje isangqa se-inshorensi sandile, ingcamango "ye-inshorensi yepropati" ishintshile. Kuthetha ntoni ngoku?

Umgaqo omtsha we- Intshuwalense Umthetho unika i-inshurensi yepropati yabantu abachaphazelekayo ekusebenziseni, ukufumana nokulahlwa kwepropati.

Xa inkampani yomshuwalense iphetha isivumelwano se-inshurensi nabemi, sizama ukuyibuyisela kwakhona umonakalo obangelwe kule propati. Umthwalo wabantu unempawu eziningana:

- umthetho wepropati ;

- umthetho wabambiswano, obandakanya uxanduva lwababini abathathi-nxaxheba abaye bangena ubudlelwane bomthetho-mbambano omnye nomnye;

- inani lemfanelo kuye kuxhomekeke kwisixa sokulahleka okanye umonakalo obangelwayo.

Iinshurensi yepropati ingaqhutyelwa ngeendlela ezimbini: ziyimfuneko kwaye zizithandela.

Kwimeko ye-inshurensi yepropati yokuzithandela, isivumelwano senziwa phakathi kwe-inshurensi kunye nemithetho yomshuwalense okanye i-inshorensi imiselwe ngokusekelwe kumthetho okhoyo. Zonke iimeko zichazwe kula maxwebhu.

Ukuba le yintlawulo yomshuwalense wepropati, kufuneka uxanduva lomntu luchazwe ngumthetho . Ngaloo ndlela, lolu hlobo lwe-inshorensi kufuneka luphawulwe.

Inyhuwalense yepropati enye yezoshishino. Kuyo, ipropati kunye nempahla yepropati yenza ngendlela yohlobo lwe-inshorensi. Ukususela kwingongoma yezoqoqosho, i-inshurensi yepropati ihlawulela umonakalo owenzeka ngenxa yesiganeko esiqinisekisiwe.

Umnini-nkqubo unokuqinisekisa ipropati yakhe, kunye nepropati yakhe, ukulahla nokusetyenziswa. I-Tau ingaba yindlela yokuthutha umhlaba kunye nomoya, izithuthi ezithuthwa, izakhiwo kunye nezakhiwo, izilwanyana, izixhobo, izityalo, iifama kunye nokunye okuninzi.

Izinto ze-inshurensi zikwahlukana zibe izinto zezindlu, izakhiwo, izithuthi kunye nezilwanyana. Xa izilwanyana zinyanzelwanga xa zifa, ukuxhoxiswa ngokunyanzeliswa kwintlekele yendalo, izifo ezithathelwanayo okanye umlilo, ziyakhuselwa kwi-value ye-70%. Kuvunyelwe ukuba izilwanyana zasefama ezincinci zikhutshwe ngokuzithandela. Bango-insured ngeendleko ezipheleleyo kunye nesakhiwo kunye nempahla yekhaya. Oku kwenziwa kwinshurensi yepropati eyahlukeneyo egcekeni.

Ukuba i-inshurensi yepropati ibhekisela kwizindlu, amagaraji okanye ukuvuselelwa, umshuwalense onyanzelekileyo unikeza i-40% yeendleko zabo ngokwemilinganiselo yombuso, kunye ne-inshorensi yokuzithandela - i-60%.

Kufuneka kuqatshelwe ukuba amanqaku eebhanki, amaxwebhu, imibhalo yesandla, iimfihlo, iimveliso zetsimbi ezixabisekileyo kunye nezinto zokungqubana nazo azikho phantsi kwe-inshorensi.