IsiNdebele 











Imininingwana yokuthintana 

Financial Services Board
44 Ridge Park Rigel Avenue South Erasmusrand Pretoria South Africa
P O Box 35655 Menlo Park Pretoria South Africa 0102
Call centre 0800 20 20 87 / 0800 11 04 43


























Okufanele ukwazi namalungelo wakho nawuthatha irhelebho lemingcwabo




Financial Services Board



UmNyango wezokuFundiswa kwabaThengi 




Okufanele ukwazi ngamapholisi wemingcwabo 

Into eqakatheke khulu ngelinye nelinye IRHELEBHO LEMINGCWABO / I-MASTER POLICY kukobana ipholisi kufanele IQINISEKISWE yikampani yetjhorensi yesikhathi eside etlolisiweko. Lokhu kwenzelwa bona ilunga linikelwa isiqiniseko sesibawo esisemthethweni nakungaba nesenzo esithathelelwe itjhorense (ukuhlongakala). 

UMNIKAZI WEPHOLISI / ILUNGA kufanele anikelwe ISITIFIKHETHI SOBULUNGA. Isitifikhethesi kufanele sibeke ngokucacileko igama lomtlikitli (usotjhorense); imali ezakubhadelwa ngenyanga; inzuzo ebhadelwako; indlela yokwenza isibawo sokubhadelwa nelinye ilwazi eliqakathekileko nge-master policy. I-master policy kufanele iveze kucace bona umngcwabi namkha abasebenzeli bakhe abakaqatjhwa mqabeleli wepholisi namkha usotjhorense begodu ngakho abasibatloli bepholisi. 

Kuqakathekile kubanikazi bamapholisi ukwazi bona bangakhetha ukuthatha iinzuzo zepholisi ezitholakala ngenzuzo yemisebenzi yemingcwabo namkha ngomhlobo wokubhadelwa ngemali. 

Isitifikhethi kufanele siveze loke ilwazi elifaneleko kuMnikazi wepholisi / iLunga bona lazi bonyana ukurhelejwa kuthoma nini; lirhelebho bani nokobana kukuphi lapho ungeze warhelejwa khona; nesikhathi sokulinda, njll.  

Iinhlathululo 

IRHELEBHO LEMINGCWABO / i-MASTER POLICY
Litjho umtlolo womthetho okhutjhwa mqabeleli wepholisi / usotjhorense onemininingwana yenzuzo, iimali ezibhadelwako, imithetho nobujamo begodu nenomboro yepholisi, okufanele ibonakale esitifikhethini sakho sobulunga. 

AMASOSAYITHI WOBUNGANI 
ISosayithi yoBungani yihlangano yeemali eyenziwa siqhema sabantu abaneendingo ezithileko, ababhadela imali bebabulunge ngokuhlanganyela ukurhelebhana ngemali ukuhlangabezana neendingo ezithileko, isibonelo, umngcwabo. Ubunengi bemali umuntu anganikelwa yona kuba yi-R5 000.

ISosayithi yoBungani akusibhizinisi lokwenza inzuzo kodwana enye nenye inzuzo eyenziwe ngemali ebhadelwa malunga asisako woke amalunga abelana ngayo.

ISITIFIKHETHI SOBULUNGA 
Kufanele ugandelele bona uthole isitifikhethesi ukuqinisekisa bona ulilunga. Isitifikhethesi kufanele sitjengise yoke imininingwana yepholisi yakho.

ABAPHATHI / ABATHINTANISI
Lokhu kutjho ikampani evunyelwe mqabeleli wepholisi / usotjhorense bona yenze umsebenzi womtlolisi wokumthengisela amapholisi.



UMQABELELI WEPHOLISI (Underwriter) / USOTJHORENSE 
Yikampani yetjhorense yesikhathi eside etloliswe neBhodo yemiSebenzi yeeMali ethola iimali ozibhadela ngenyanga nenesibopho sokubhadela inzuzo nawungahlongakala. 

UMNIKAZI WEPHOLISI / ILUNGA 
Lokhu kutjho wena njengelunga elibhadela imali ngenyanga khona kuzakuzuza abantu obakhombe epholisinakho. 

IMALI EBHADELWA NGENYANGA 
Yimali oyibhadela umqabeleli wepholisi ngokuya kwe-Master Policy.  

ISIPHATHISWA ESITJHEJE IINGHONGHOYILO (Ombudsman)  
Lo mumuntu ozijameleko oya kuye njengelunga nawungakathabi ngependulo yomtlolisi. Imininingwana yakhe yokuthintana itjengiswa esazisweni sangokomthetho kanye nekhasini langemva lalencwajana. 

UKUPHAYELA NGEQADI  
Umqabeleli wepholisi / usotjhorense uzakurhelisa ubujamo namkha amalwelwe epholosini, lawo nakungenzeka agcine ngokuhlongakala komuntu ofakwe epholisini, kungabi nenzuzo ebhadelwako. 

Imibuzo okufanele uyibuze nelinye ilwazi okufanele ulithole kumthengisi    
1. Umbuzo: Ngimuphi umqabeleli wepholisi omjameleko?
     Ipendulo: Ubufakazi kufanele bunikelwe mumuntu othengisa ipholisi 
     begodu kufanele bube seforomini lesibawo nesitifikhethi sobulunga 
     esikhutjhiweko. 
2. Umbuzo: Khuyini inomboro yepholisi?
    Ipendulo: Lokhu kufanele kutjengiswe eforomini lesibawo nesitifikhethini 
    sobulunga. 
3. Umbuzo: Ngingafaka bani epholisini?
     Ipendulo: Laba babantu abakhethwa nguwe. 
4. Umbuzo: Ngibhadela malini?
          Ipendulo: Le yimali ozayibhadela nefaka yoke imali yokwenzelwa 
          umsebenzi nemali ebekiweko.
5. Umbuzo: Ingabe ngibhadela ngenyanga, ngekotara namkha ngonyaka? 
         Ipendulo: Kufanele ubuze bona uzakubhadela nini.
    6. Umbuzo: Ingabe ngibhadelela ngaphambili namkha ngemva kwesikolodo? 
        Ipendulo: Kufanele ufunisise nayikuthi uzakubhadela ekuthomeni 
        kwenyanga (ngaphambi kwesikhathi) namkha ekupheleni kwenyanga 
        namkha nasele ukoloda. 
     7. Umbuzo: Ingabe ngibhadela njani?
         Ipendulo: Ngekhetjhe namkha ukubhadela nge-akhawunti ebhanka. 
    8. Umbuzo: Nangibhadela ngekhetjhe ingabe ngizakuthola irasidi?
        Ipendulo: Iye, kufanele kube lirasidi langokomthetho.
    9. Umbuzo: Ingabe lemali ebhadelwa ngenyanga izakukhwela ngomuso?
        Ipendulo: Imali ebhadelwa ngenyanga inganda nayikuthi kuneembawo
        ezinengi zokurhelejwa ngeemali ehlobeni leli lepholisi.   
   10. Umbuzo: Ingabe imali ebhadelwa ngenyanga iqinisekiswe isikhathi 
         esingangani?
         Ipendulo: Lokhu kufanele kuvezwe ku-Master Policy.
   11. Umbuzo: Ingabe ngithoma nini ukungathola irhelebho?
         Ipendulo: Kungase kube nesikhathi sokulinda ku-Master Policy. 
   12. Umbuzo: Ngiziphi iinkhathi zokulinda?
         Ipendulo: Lokhu kuzakuvezwa ebujameni obuku-Master Policy.
   13. Umbuzo: Kwenzekani nayikuthi ukuhlongakala kubangwa yingozi? 
         Ipendulo: Ngokujayelekileko isikhathi sokulinda asitjhejwe lapha.
   14. Umbuzo: Ingabe kunokhunye ukuphayela ngeqadi?     
         Ipendulo: Lokhu kuzakuvezwa ebujameni be-Master Policy.
   15. Umbuzo: Kwenzekani nayikuthi ngibhalelwa kubhadela ngenye inyanga  
         namkha ngilisa ukubhadela?
         Ipendulo: Angeze usalungela ukufumana irhelebho begodu nawuthoma
         ukubhadela godu, iinkhathi zokulinda nokuphayela ngeqadi zizakusebenza. 
16. Umbuzo: Ingabe ukulungela ukufumana irhelebho kuphela nini komunye
      nomunye umuntu?
      Ipendulo: Imininigwana ezeleko kufanele unikelwe yona, khulu khulu 
      ebantwaneni. 
17. Umbuzo: Ingabe ngithola ubufakazi bokuba lilunga?
      Ipendulo: Kufanele uthole iSitifikhethi sobuLunga nesirhunyezo
      semininingwana  yokuthi ngubani ozakuthola irhelebho, imali ebhadelwako,
      nazo zoke iinkhathi zokulinda nokuphayela ngeqadi. 
18. Umbuzo: Ingabe ngingakungezelela ukuthola irhelebho?
      Ipendulo: Iye, ungangezelela inzuzo epholisini yakho nayikuthi i-Master 
      Policy iyavuma, ngesinye nesinye isikhathi; lokhu godu kungangezelela imali 
      oyibhadelako. Ukuphayela ngeqadi neenkhathi zokulinda kungasebenza 
      ngenzuzo eyandisiweko.   
19. Umbuzo: Ngisenza njani isibawo sokurhelejwa nangihlongakalelweko? 
      Ipendulo: Ikambiso yeembawo zokurhelejwa kufanele inikelwe ngokuzeleko 
      ebujameni nemithethweni. 
20. Umbuzo: Ngingayibona i-Master Policy?
     Ipendulo: Uvunyelwe ukubona i-Master Policy. Lokhu kwenziwa nawubona
     unganeliswa ziimpendulo onikelwa zona namkha usola umuntu okuthengisela 
     ipholisi. I-Master Policy kufanele itholakale e-ofisini eliseduze nawe 
     lokutjhejwa kwabathengi. 
21. Umbuzo: Ngingayikhansela na ipholisi?
      Ipendulo: Ungayikhansela ipholisi kungakapheli amalanga ama-30 
      wokubhadela imali yakho yokuthoma begodu uzakubuyiselwa imali yakho 
      ngokuzeleko nawungabawi irhelebho ngokuhlongakalelwa. Ngemva 
      kwalokho ipholisi ingakhanselwa kwesinye nesinye isikhathi, kodwana
      akunamali ebhadelwa ngenyanga ozakubuyiselwa yona. 
22. Umbuzo: Kwenzekani nayikuthi ipholisi iyasuswa komunye umqabeleli 
      wepholisi isiwa komunye / usotjhorense?
      Ipendulo: Lokhu kungenziwa, kodwana kufanele waziswe bewaziswe nokuthi 
     kuthinta njani abantu abalungele ukuthola irhelebho, mayelana nakho koke
     okungehla. Kufanele uMqabeleli wepholisi / uSotjhorense omutjha akunikele 
     isitifikhethi sobulunga esitjha. Nayikuthi ubona bonyana awusisebujameni 
     obulinganako namkha obungcono, thintana noMqabeleli wepholisi / 
     uSotjhorense okhona ngokurhaba okukghonekako. 
23. Umbuzo: Kwenzekani nanginesinghonghoyilo namkha umbuzo?
      Ipendulo: Wena namkha abazuzi bakho kufanele kokuthoma niqalise
      bunqopha umbuzo kuMqabeleli wepholisi / kuSotjhorense. Nayikuthi 
     awukaneliswa, ungabika isinghonghoyilo esiPhathisweni esitjheje
     iinghonghoyilo zeTjhorense yesiKhathi esiDe namkha eBhodini yemiSebenzi
     yeeMali (FSB). 

Tjheja: Imininingwana yesiPhathiswa esitjheja iinghonghoyilo ne-FSB kufanele ibonakale eSitifikhethini sobuLunga begodu nangemva kwencwajana le yelwazi.  
         



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