Iinshurensi yomntu kunye neentlobo zayo

Ngaphambi kokuba uphendule kumbuzo wukuthi yintoni inshuwalense yomuntu kunye neentlobo zayo, kubalulekile ukuhlala kwizinto ezibandakanya umgaqo-siseko kunye neentlobo ze-inshurensi.

I-inshurensi - ubudlelwane obujolise ekukhuseleni iimfuno zomntu ngamnye kunye nemibutho ekufezekiseni iziganeko ezithile, ezibizwa ngokuba yiziganeko zomshuwalense. I-inshurensi yindlela yokubuyisela ilahleko ezilahlekileyo, ngexabiso leenkampani zomshuwalense ngesiseko sekontirensi yomshuwalense kunye nobungozi obuqingqiweyo. Inkontileka yomshuwalense yimvumelwano phakathi kwe-inshurensi (inhlangano yomshuwalense) kunye nomshuwalense (umntu okanye iqumrhu elisemthethweni), ngenxa yokuba umgaqo-nkqubo unyanzelekile ukuhlawula iintlawulo zee-inshurensi ezithile, kwaye umshwalense uyazama ukuhlawula umonakalo xa kwenzeka isiganeko esiqinisekisiwe.

Iintlobo ze-inshurensi: unyanzelekile kwaye uyazithandela; Ipropati, uxanduva lomntu kunye noluntu. Kule meko, iintlobo zeentlobo zineenkcukacha ezithile, umzekelo, i-inshurensi yepropati ihlulwe ibe yinshurensi yeminqweno yempahla yemibutho yomthetho (imibutho) kunye nabantu ngabanye (abemi abathile). Emva kokuhlalutya iisiseko zezoshishino zinshorensi , i.e. Emva kokuqwalasela imigaqo engundoqo kunye neentlobo ze-inshurensi, siya kuhlala ngokucacileyo malunga nokuba yintoni inshuwalense yakho kunye neentlobo zayo.

Iinshurensi yomntu okanye inshorensi yobomi ijoliswe ekukhuseleni abantu xa iimeko zomshuwalense zenzeka. Imingcipheko ephambili, into eyenziwa yinto engathandekiyo kwi-insured ethile, kodwa kunokwenzeka, oku:

Ukukhubazeka (okuyingxenye okanye epheleleyo),

Ukukhubazeka kwexeshana

- ukufa.

Njengomthetho, njengomzuli phantsi kwesi sikontraki, izenzo zomnini-nkqubo, kuphela xa umntu efa omnye umntu makanyulwe ukuba abe ngumzuzi. Kwimeko apho umzuzi-mali angabhaliswanga kwisivumelwano, ngoko kuqalwe umngcipheko wokufa, intlawulo yenkxaso-mali iyafunyanwa yizindlalifa zomthetho.

Iinshurensi yomntu kunye neendidi zayo kwimibutho yomshuwalense eyahlukeneyo ineziganeko zayo kunye nokwahlukana. Iintlobo eziphambili, nangona kunjalo zibandakanya:

- inshurensi evela kwiNdibano yesiZwe,

- i-inshorensi yabo abahamba kwelinye ilizwe,

- I-HOA - inshorensi yobomi besikhathi eside,

- inshurensi ngenjongo yokuqokelela

- kunye nabanye abaninzi.

Makhe sicinge ngeenkcukacha ezininzi iintlobo ze-inshurensi kwizokhenketho.

Iindidi ezahlukeneyo ze- inshurensi kwizokhenketho zibangelwa kwelinye ilizwe umntu angakwazi ukujamelana neemeko ezahlukeneyo, kwaye zona zidibene neengozi eyongeziweyo, kuba umntu unendawo engaqhelekanga nakwiindawo ezingaqhelekanga. Ngako ke, loo inshuwalense yenzelwe ukukhusela abemi ngokubanzi, ukuhamba phesheya ukusuka kwiindawo ezininzi ezinobungozi. Iinkampani ezahlukeneyo ze-inshurensi zinika iintlobo ezahlukeneyo ze-inshurensi Ngoko ke, kubalulekile ukuba wonke umntu oshiya eli lizwe afunde yonke imithombo yengozi kwindawo ahamba kuyo, kwaye ngenxa yezinto azikhethele ukuzikhethela yena.

Uhlobo lwe-inshurensi yokuhamba luquka inshurensi:

1. Umkhenketho kunye nepropati yakhe.

2. Iingozi zehotele zezokhenketho.

3. Iinshurensi yomntu ngamnye wezokhenketho.

4. Abakhenketho bezinye iintlanga.

5. Hamba abanikazi bemoto.

6. HC kunye neendleko zeendleko zonyango kunyango kunye namayeza.

Ngaloo ndlela yabela inshurensi:

- Unyanzelekile - abanikazi bemoto nezithuthi zothutho.

- Ngokuzithandela - zonke ezinye iintlobo.

Ngexesha lokupheliswa kweekhontrakthi ze-inshurensi yezokhenketho, ayinqunyelwanga nje yinshuwalense yomntu siqu kunye neentlobo zayo, kodwa ixabiso elithile apho umntu okhuselayo likhethiweyo kuye kuxhomekeke kwilizwe eliya kuyo kwaye ihlelwe ngokuhambelana nomgaqo-mali ophantsi.