Into ekufuneka uyazile kwakunye namalungelo akho xa uthabatha inshorensi yomngcwabo
Isebe leMfundo lomSebenzisi wezinto
Into ekufuneka uyazile malunga neepolisi zomngcwabo
Olona phawu lubalulekileyo layo nayiphina INKQUBO YOKUNCEDISA UMNGCWABO / IMASTER POLICY kukuba ipolisi fanele IMELWE yinkampani ye-inshorensi enexesha elide yabhaliswa. Oku kukuqinisekisa ukuba ilungu lithenjiswa ubango olusemthethweni kwindima yesehlo (ukufa) esi-inshorishiweyo.
UMNIKAZI-POLISI / ILUNGU fanele linikwe ISIQINISEKISO SOBULUNGU. Esi siqinisekiso fanele sichaze ngokucacileyo igama lommeli (i-inshorensi); imali oyibhatala kwi-inshorensi omele ukuyihlawula; amancedo omele ukuwahlawula; iinkqubo zamabango nolunye ulwazi olubalulekileyo malunga nemaster policy. Imaster policy fanele ichaze ngokucacileyo ukuba umzi wabangcwabi okanye abenzeli babo abaqeshwanga ngummeli okanye i-inshorensi kwaye ngoko ke ayingabo abameli bepolisi.
Kubalulekile kubanikazi-polisi ukwazi ukuba banelungelo lokuthabatha nokuba mhlawumbi ngamancedo epolisi ngendlela yoncedo lenkonzo yomngcwabo okanye ngendlela yokuhlawulwa imali.
Isiqinisekiso fanele sichazele umNikazi-polisi / iLungu lonke ulwazi oluyimfuneko ukwazi ukuba i-inshorensi enjalo iqalisa nini; ingaba yintoni eyikhuselayo kwaye zintoni EZITHINTELWAYO; amaxesha okulinda njl-njl.
Iinkcazelo
Luthetha uxwebhu olusemthethweni olukhutshwe ngummeli / yi-inshorensi equlathe iinkcukacha zamancedo, amaxabiso, izigqibo neemeko ibe nenombolo yepolisi ebonakala kwisiqinisekiso sobulungu bakho.
ULUNTU OLUNOBUBELE
Uluntu olunobubele liziko lemali elenziwe liqela labantu abaneemfuno ezithile abanikela ngemali bayigcine kunye ukuncedisana ngemali ukulungiselela iimfuno ezithile umz. Umngcwabo. Angawona makhulu amancedo yi-R5 000. Uluntu olunobubele asiloshishini lokwenza inzala, kodwa nayiphi inzala iyenziwa kwizinikezelo zelungu elizalis imali ekwabelwana ngayo ngawo onke amalungu.
ISIQINISEKISO SOBULUNGU
Fanele uzingise ekufumaneni esi siqinisekiso ukuqinisekisa ukuba ulilungu. Esi siqinisekiso fanele sikubonise zonke iinkcukacha zepolisi yakho.
ABALAWULI / ABALAMLELI
Oku kubhekiselele kwinkampani egunyaziswe ngummeli / i-inshorensi ukuba isebenze endaweni yayo ukuthengisela wena ipolisi.
UMMELI / I-INSHORENSI
Oku kubhekiselele kuwe njengelungu elibhatala iimali ezibhatalwa kwi-inshorensi ukulungiselela amancedo abantu abonyulwe nguwe kwipolisi.
UMNTU ONAMAVA NEGUNYA LOKUVAKALISA IZIKHALAZO ZABNTU EPALAMENTE
Lo ngumntu ozimeleyo othi wena njengelungu unxibelelane naye ukuba awonelisekanga yimpendulo evela kummeli. Iinkcukacha zakhe zibonisiwe kwisaziso esimiswe ngokomthetho nakwiphepha elingasemva lale ncwadana.
IZITHINTELO
Ummeli /i-inshorensi iza kwenza uluhlu lweemeko okanye izifo kwinkqubo apho ukuba zikhokelela ekufeni komntu lowo ukhuselweyo kungekho mancedo anokuhlawulwa.
Imibuzo ofuna ukuyibuza nolunye ulwazi ofanele ukulufumana kumthengisi
Q: Ingaba umele omphi ummeli?
A: Ubunqina mabunikezwe ngumntu othengisa ipolisi kwaye fanele bubekhona kwifomu yokwenza isicelo nakwisiqinisekiso sobulungu esikhutshiweyo.
A: Oku kufuna kubonakaliswe kwifomu yokwenza isicelo nakwisiQinisekiso sobuLungu.
Q: Ngubani onokumbandakanya kwipolisi?
A: Aba ngabantu abonyulwe nguwe.
Q: Ingaba ndibhatala malini?
A: Esi sisambuku oyakusibhatala kwaye sibandakanya zonke iintlawulo nemirhumo.
Q: Ingaba ndihlawula inyanga nenyanga, ngekota okanye ngonyaka?
A: Fanele uqondisise ukuba kufuneka ubhatele nini?
Q: Ingaba ndibhatala phambi kwexesha okanye ndiba semva kwexesha ngokuhlawula?
A: Fanele uqondisise ukuba fanele ubhatale ekuqaleni enyangeni (ngaphambi kwexesha) okanye ekupheleni kwenyanga okanye ube ngemva kwexesha ngokuhlawula.
Q: Ukuba ndibhatala ngekheshi ingaba ndiyayifumana irisithi?
A: Ewe, fanele ibe yirisithi esemthethweni.
A: Iimali ezibhatalwayo zinganyuka ukuba kukho amabango amaninzi ngaphantsi kwepolisi.
Q: Ingaba iimali ezibhatalwayo ze-inshorensi zimiselwe ixesha elingakanani?
Q: Ingaba le-inshorensi iqalisa nini?
Q: Ingaba ngawaphi amaxesha okulinda?
Q: Kwenzeka ntoni xangaba ukuba kubangelwe yingozi?
A: Kudla ngokuba amaxesha okulinda angasebenzi.
Q: Ingaba kukho izithintelo?
A: Awuyikuba sakukhusela kwaye ukuba uphinda uyaqalisa ukubhatala, amaxesha okulinda kwanezithintelo aza kuphinda asebenze.
Q: Ingaba i-inshorensi yomntu ngamnye iphelelwa nini?
A: Fanele ufumane isiQinisekiso sobuLungu nengcaciso yesishwankathelo sokuba ngubani okhuselweyo, isambuku esibhatalwayo, onke amaxesha okulinda nawo kuthintela.
Q: Ndingayinyusa i-inshorensi yam ngelinye ixesha?
A: Ewe, ungawanyusa amancedo kwipolisi yakho ukuba i-Master Policy iyakuvumela nangaliphi na ixesha; oku kunganyusa nemali yakho ebhatalwayo kwi-inshorensi. Izithintelo namaxesha okulinda angasebenza kunyuso loncedo.
Q: Ndenza njani ukubanga malunga nokufa?
A: Inkqubo yamabango fanele inikezelwe kuwe ngokucacileyo kwisigqibo neemeko.
Q: Ndingayirhoxisa ipolisi yam?
Q: Ingaba kwenzeka ntoni ukuba ipolisi xa iyonke ishenxiselwe komnye ummeli / i-inshorensi?
A: Oku kunokwenziwa, kodwa fanele waziswe kwaye waziswe ukuba kutheni ichaphazele i-inshorensi yakho yangaphambili ngokuphathelele kuyo yonke lento ingasentla. Isiqinisekiso sobulungu obutsha fanele usikhutshelwe ngummeli omtsha / i-inshorensi. Ukuba uziva ungekho kwindawo elingene wena okanye kwindawo engcono, fanele unxibelelane nommeli okhoyo / i-inshorensi ngokukhawuleza okukhulu.
Q: Ingaba kuqhubeka ntoni ukuba ndinesikhalazo okanye umbuzo?
A: Wena okanye abantu abafumana uncedo fanele kuqala baqondise umbuzo kummeli / i-inshorensi. Ukuba awonelisekanga, ungasixela isikhalazo sakho kumntu onamava negunya lokuvakalisa izikhalazo zabantu ePalamente kwi-Inshorensi yeXesha eliDe (Long-Term Insurance) okanye kwiBhodi yeeNkonzo zeMali. (FSB)
Qaphela Iinkcukacha zomntu onamava negunya lokuvakalisa izikhalazo zabantu ePlamente kunye neFSB fanele zibekhona kwisiQinisekiso sobuLungu kwaye sikwakhona nangasemva kwale ncwadana yolu lwazi.
