Oko kufuneka ukwazi nge-inshurensi

i-inshurensi

Kuqikelelwa ukuba abantu abancinci, oko kukuthi, abo bakwi-18 ukuya kwi-35 yeminyaka yobudala, licandelo labemi elinamathandabuzo malunga Uqoqosho lomntu, i-inshurensi kunye nezemali. Kule nto songeza ukuba iibhanki khange zikwazi ukuphuhlisa iinkonzo ezifanelekileyo zabathengi ezivumela ukuba bacacise ngokucacileyo kubathengi babo bexesha elizayo ukuba iimveliso zemali Ngelixa usombulula onke amathandabuzo akho. Xa unolu lwazi lusezandleni zakho, ayimangalisi into yokuba uninzi lwabantu abancinci baseSpain bengenangqondo yokufumana izinto ezibalulekileyo njenge-inshurensi yazo zonke iintlobo.

Kwaye sinokuyenza ngaphandle komnye ikhadi lamatyala okanye mboleko yexesha elide, kodwa iinshurensi yazo zonke iintlobo zizixhobo esingenakukwazi ukuzidlulisa. Ukuba uzifumana ukule meko, kwaye ujonge isikhokelo sokukhetha i-inshurensi efanelekileyo kwiprofayili yakho ngelixa uhlawula elona xabiso libalaseleyo, siyakumema ukuba uqhubeke nokufunda:

Yintoni i-inshurensi?

I-inshurensi sisixhobo semali esikubonelela ngemali eyimfuneko ukulungisa ilahleko ezinokubakho ngenxa yesiganeko esingalindelekanga, esaziwa njengelahleko. Ngamanye amagama, xa uthatha i-inshurensi, unikwa ukhuseleko lwemali oluya kukuvumela ukuba ulungise umonakalo onokuthi uvele kwintlekele, ingozi, okanye naluphi na uhlobo lweziganeko ezingalindelekanga ezisichaphazela ngandlela thile. bucala ngasekhohlo khu selekile Kufuneka inikezwe ikhontrakthi kunye neziko lezemali elaziwa njenge "othathayo"Kwaye ngexesha lokusayina ikhontrakthi uba"i-inshurensi okanye indlalifa”. Uya kusoloko uhlawula umrhumo obizwa ngokuba "kuqala"Ukugcina i-inshurensi yakho, enokuthi ibe yinyanga okanye yonyaka, kuxhomekeke kwiimeko ezisekwe kwisivumelwano sakho, esaziwa njenge"nkqubo”. Ipremiyamu esekwe kumgaqo-nkqubo wakho iya kwahluka ngokuxhomekeke kufundo olwenziwa ngokwengeniso yakho, indlela yakho yokuphila, kunye nezinye izinto ezininzi.

i-inshurensi

Singayibona ngolu hlobo umsebenzi weinshurensi ngomzekelo olula. Masithi xa usemotweni yakho usiya kutyelela umhlobo wakho kwesinye isixeko, kwaye imoto yakho iyonakala. Awuyiphathi imali yokuhlawulela indawo yokulungisa, kwaye awazi nalapho ikhoyo ivenkile ekufuphi yoomatshini. Kodwa unayo i-inshurensi yemoto enesivumelwano, esineepolisi ezibandakanya iingozi ezibangelwe kuhola wesizwe. Ubiza inombolo enikiweyo kwaye ufumane uncedo kunye nenkxaso yokuhlawula iindleko eziyimfuneko zokulungiswa kwemoto yakho, ukuze uqhubeke nohambo lwakho uzolile.

Kubaluleke kakhulu ukuba uyithathele ingqalelo loo nto iinkampani zeinshurensi Banendlela yokubala ngokwezibalo ukuba kunokwenzeka njani ukuba ube nengxaki yengozi, ke iprofayile yakho iyakwenziwa ngokusekwe kubudala bakho, umsebenzi, isini kunye nemikhwa. Kwiimeko ezininzi, isixa ozakufakwa kwi-inshurensi siyakuxhomekeka kule profayile, kunye neprimiyamu yokuhlawula kunye neemeko ezimiselwe kumgaqo-nkqubo.

Kodwa ngenxa yezizathu ezicacileyo, ezifanayo i-inshurensi ukukhusela kwimeko yeengozi emotweni yakho akuyi kukukhusela xa uphulukana nomsebenzi okanye ingozi eyonzakele kakhulu. Zininzi iindidi zeinshurensi, kwaye apha siza kuzazisa kuwe ukuze ukhethe ezo zilungele imeko yakho.

Iindidi zeinshurensi

Zininzi iintlobo ze-inshorensi, kwaye nganye yazo yenzelwe ukukhusela kumngcipheko othile. Kubalulekile ukuba uzihlalutye kwaye uqeshe ezo zilungele imeko yakho yobuqu. Akuncedi nganto ukuba uthathe i-inshurensi yemoto ukuba awunayo, kodwa kuhlala kubalulekile ukuba une-inshurensi yezonyango, kuba sonke sisengozini yokugula ngaxa lithile ebomini bethu.
I-inshurensi enyanzelekileyo:

i-inshurensi

Ezi ziinshurensi onokuthi uzenze ngokomthetho ngokomthetho. Bakho ngokubanzi ngexesha lokufumana imoto entsha, ekucelwa ukuba sithathe i-inshurensi egubungela ubuncinci bomonakalo esiwenzayo kwabanye abantu ngezithuthi zethu. Olu hlobo lweinshurensi lwaziwa njenge-inshurensi yomntu wesithathu, kwaye lolunye lwezona zixhaphakileyo. Enye i-inshurensi enyanzelekileyo yaziwa ngokuba yi-Decennial Insurance, apho iinkampani zokwakha izindlu zinoxanduva lokubonelela ngepropathi entsha kubathengi kwimeko apho ulwakhiwo lunomonakalo kunye neziphene.

I-inshurensi yokuzithandela:

Los i-inshurensi yokuzithandela, Njengoko igama lisitsho, baxhomekeke kumntu ngamnye kwaye banokugubungela ubungakanani beemarike ezibanzi njengoko sinokucinga. Kukho i-inshurensi yeendleko zonyango, ezo zinokugubungela iimpahla onazo xa kubiwe okanye konakele. Ukuba uneshishini, uyakufumana i-inshurensi eya kukuvumela ukuba ulikhusele xa linokonakala kwalo naluphi na uhlobo. Ukuba uthatha uhambo, unokuzikhusela xa unokuphoswa yinqwelomoya yakho, umthwalo wakho, uphelelwe yimali okanye ufuna unyango. Ukuba uhambisa nakuphi na ukuthengiswa uye kwindawo ekude, ungathatha i-inshurensi ukuze ixabiso layo libuyiswe kwimeko yelahleko okanye yomonakalo kuyo kuhambo.

Okunye uhlobo lweinshurensi yokuzithandela ezo ziyilelwe ukukhusela wena xa unokuzibona ungasebenzi okanye ukuba uthatha isigqibo sokuthatha umhlala-phantsi. Kolu hlobo lweinshurensi, inxalenye encinci yomvuzo wakho iya kuncitshiswa inyanga nenyanga, kwaye iya kugcinwa kwiakhawunti oya kuthi ukwazi ukufikelela kuyo kwezinye zezo meko. Kukwakho neinshurensi yobomi, apho isixa semali ebesisekwe ngaphambili kumgaqo-nkqubo sinikwa usapho lomntu kwimeko yokusweleka. Umahluko wale nto yi-inshurensi yokufunda, apho imfundo yesikolo yabantwana igutyungelwe ngokupheleleyo kwimeko yokusweleka kwabazali.

Ukuba uzifumanisa ukwimeko apho unesidingo esikhethekileyo kwaye ufuna i-inshurensi engaqhelekanga inikezelwe kwimarike, ungaya kwinkampani yezemali kwaye ubacele ukuba bakunike enye. Amaxesha amaninzi ezi inshurensi ziwela kwi udidi lwezinto eziphathekayo, ezonyango okanye zepropathi, ke kusenokwenzeka ukuba uyakufumana inkqubo yeinshurensi ehlengahlengiswe ngokupheleleyo kuwe kwaye ikuvumela ukuba ukhusele eyona nto uyixabise kakhulu.

I-inshurensi yokugubungela ngqo nengathanga ngqo

i-inshurensi

Enye indlela yokwahlula i-inshurensi kukuba iyasikhusela ngokuthe ngqo okanye ngokungathanga ngqo. Xa sithatha i-inshurensi kwaye singabaxhamli, olu hlobo lweinshurensi lubizwa ukugubungela ngqo. Kodwa ukuba ayingabo abo baqesha i-inshurensi kwaye iyasigubungela, njengakwimeko yokuba ibandakanyiwe kwitikiti lenqwelomoya okanye kuba singabafundi okanye abasebenzi, olu hlobo lweinshurensi lubizwa ngokuba kukungangqalanga ngqo

Iprimiyamu enye kunye ne-inshurensi yamaxesha athile

Ezinye iinshurensi zivela umzala ongatshatanga, kuba yanele ukuyihlawula kube kanye kuphela ukusoloko unayo le ngxelo. Ubomi okanye i-inshurensi yomhlala-phantsi ngokubanzi yiprimiyamu enye. Okwangoku, i-inshurensi yeprimiyamu yamaxesha ngamaxesha yahlula iindleko zeinshurensi kwiintlawulo ezenziwa ngexesha elifanayo. Owona mzekelo uqhelekileyo yinshurensi yezempilo, apho kufuneka sihlawule ipremiyamu yenyanga ukuze sihlale sigqunywa.

Iingcebiso eziluncedo zokufumana i-inshurensi

i-inshurensi

  • Njalo uphonononge zonke iindlela ezikhoyo, kuba kunokwenzeka ukuba amaziko ahlukeneyo aya kukunika ingxelo efanayo yeendleko ezahlukeneyo. Funa iingcebiso kwaye ungathandabuzi ukubacela ukuba bachaze imigaqo nganye yomgaqo-nkqubo. Ukuba ngesizathu esithile uziva ukuba ayicacanga okanye kubonakala ngathi iyakrokra, fumana enye inkampani.
  • Gcina onke amaxwebhu ngokubhekisele kwi-inshurensi yakho, kubandakanya iinombolo zakho, ipolisi, izazisi kunye nayo nayiphi na into ekuqinisekisa njengendlalifa. Ukuba uhamba, thabatha uxwebhu olungqine ukuba ungumzuzi. Ngale ndlela unokuhlala ufikelela kwizibonelelo zeinshurensi xa unokuyidinga.
  • Xa usenza ikhontrakthi ngesixhobo semali esifana nobambiso, kunokwenzeka ukuba baya kukucela ukuba uphinde uthathe i-inshurensi. Hlalutya ukuba inkampani ebonelela ngayo lolona khetho lulungele wena, kwaye khumbula ukuba ngomthetho omtsha ungayithatha le inshurensi nakweliphi na iziko onakho ukulungela.
  • Jonga uphononongo kunye neengcebiso kwi-intanethi ye-inshurensi ofuna ukuqesha, khumbula ukuba apha uya kuba nakho ukwazi ukuba inkampani iyakufezekisa oko ikuthembisayo, inkonzo yayo yabathengi kunye nokuba iluncedo ekusombululeni iingxaki.
  • Qiniseka ukuba uyawafunda amagatya omgaqo-nkqubo wakho ngocoselelo, njengoko kusenokubakho imicimbi apho ungazukuhlawulwa. Qinisekisa ukuba uyabazi ngaphambi kokwamkela nasiphi na isicelo.

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