Mhlawumbi sele uhlawulela i-Inshurensi yokuThengiswa kweMithwalo - Nantsi into ekufuneka uyazi

Ukuphulukana nemithwalo yakho kunokuba yinto enzima ebomini. Ngaphezulu kokungafikeleli kwizinto zakho xa useluhambeni, unomsebenzi owoyikisayo wokugcwalisa amabango kunye nokuzalisa iingxelo ezinde ukuze ujonge phambili-kwaye nokuba kunjalo, ukubuya ngokukhuselekileyo kwemithwalo yakho akuqinisekiswanga.

Akumangalisi ke ukuba abahambi abaninzi nangakumbi babhalisela i-inshurensi yabahambi-okt. i-inshurensi yokuhlawula iindleko zonyango, ukurhoxiswa kohambo, ukulahleka kwemithwalo, ingozi yenqwelomoya kunye nezinye ilahleko ezenziweyo xa useluhambeni-minyaka le. Nangona kunjalo, into onokungayazi yile kukho ithuba elihle lokuba sele uhlawula i-inshurensi yemithwalo elahlekileyo , ngeplani yeinshurensi yekhaya lakho okanye yomqeshi.

Ndaye ndemba kancinci ukufumanisa ukuba kuqheleke kangakanani ukuba i-inshurensi ikhusele izinto ezilahlekileyo ngaphandle kwekhaya-kubandakanya imithwalo elahlekileyo kunye nobusela (emotweni yakho, emntwini wakho) xa useluhambeni-nantsi into endiyifumeneyo .

Ukufumana intsingiselo yengqekembe yeengelosi

Uninzi lwabanini bamakhaya kwaye I-inshurensi yomqeshi ishiya ikhaya nawe

Ngoku ka Bankrate.com , ngaphezulu kwesiqingatha sesigidi semithwalo ehlolwe ziinqwelomoya yalahleka okanye yebiwe unyaka nonyaka. Ngethamsanqa, imithwalo elahlekileyo i-inshurensi phantsi kwegatya labanini bezindlu okanye i-inshurensi yerente- oko kuthetha ukuba inkampani yeinshurensi yakho (hayi inqwelo moya) iyakubuyekeza ngezinto ezilahlekileyo.

Oko kukuthi, ewe, emva kokuba uhlawule ukutsalwa kwakho, okunokuthi ngamanye amaxesha kuphele kukuxabisa ngaphezulu kwexabiso lomthwalo wakho olahlekileyo. Umzekelo, ukuba ulahlekelwe zizinto ezingama- $ 400 kwisutikheyisi elahlekileyo, kodwa unoxanduva lokufumana i- $ 500 yokuqala ngomgaqo-nkqubo wakho, oko akunakuba kufanelekile ukungenisa ibango kwinkampani yakho yeinshurensi.

Inguqulelo: Ngelixa abanini khaya kunye nerenti yeinshurensi inokuba ngaphezulu kokugubungela umthwalo wakho olahlekileyo, eyona nto ukubheja kwakho kukulinganisa iindleko zokutsalwa kwakho ngokuchasene nexabiso lezinto zakho ngaphambi kokufikelela kwiarhente yakho.

Ke, ngaba ngenene kufuneka ndihlawule i-inshurensi yomhambi?

Ukuba ucinga ngokubhalisela i-inshurensi yabahambi kwimeko apho ungaphulukana nemithwalo yakho, kodwa sele unayo i-inshurensi yomninikhaya okanye yomqeshi, ngekhe ufune.

Nangona kunjalo, ukuba unethemba lokuhlawulwa iindleko zonyango, iinqwelomoya eziphosakeleyo, kunye nezinye iimeko ezingxamisekileyo ezingalindelekanga kuhambo lwakho lwasekhaya nakwamanye amazwe, i-inshurensi yomhambi ngokuqinisekileyo yindlela yokuhamba.

Ingcebiso yam kukufowunela iarhente yakho yeinshurensi okanye uphonononge umgaqo-nkqubo wakho wangoku ukuze ufumanise ukuba loluphi uhlobo lokukhutshwa olunikezelwayo ngelixa ungekho ekhaya kwaye okona kubaluleke kakhulu, yimalini etsalelwayo kwimithwalo yakho elahlekileyo. Ukuba uyijetsetter enomdla, unokufuna ukhuseleko ngakumbi kunomyinge we-inshurensi yomninikhaya okanye yomqeshi, kodwa kwiimeko ezininzi, uya kumangaliswa yindlela osele ugqunywe ngayo.

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