I-inshurensi, nokuba injani na, iyimveliso ethi kwiimeko ezininzi ibaluleke kakhulu ukuze uzikhusele kwiimeko ezingafunekiyo. Ukuze ukhusele impilo yabathandekayo bakho, izinto eziphathekayo okanye wenze ibhegi yokonga ezinzileyo yexesha eliphakathi nelide. Kuzo zonke iimeko, bavelisa indleko ekufuneka ihlangatyezwe minyaka le ngentlawulo yabo yonyaka. Ngaphandle phakathi kwe-100 kunye nama-500 euros phantse kuxhomekeke kwimodeli ebhalisiweyo, ukubandakanywa kubandakanya nenani labamkeli.
Sisicwangciso esinokuthi siqulathe inkcitho zabasebenzisi, ukuze imali ibe nakho yabele ezinye necesities. Umzekelo, ukuhlawula imali mboleko kubantu besithathu, ukujongana nenkcitho engalindelekanga kuhlahlo-lwabiwo mali losapho okanye ukuhlawulela nje isikolo sabantwana bakho abancinci, phakathi kwezinye izinto. Ngezinye iingcebiso ezilula zokufaka isicelo ukusukela ngoku kuya kuba nefuthe elihle kuhlahlo-lwabiwo mali lwakho okanye losapho. Kwintoni enye yeminqweno emikhulu kwicala labancinci nabaphakathi.
Ngenxa yeendleko zabo, abasebenzisi abambalwa abazibhalisi kwezi mveliso zezezimali ukuzama ukugcina imali kwiakhawunti yabo yokonga. Kodwa eyona nto inomdla kukuba okwangoku uthotho lwezicwangciso zorhwebo ziyenziwa ezikhokelela kumathuba okubhalisela i-inshurensi yasimahla. Ngaphandle kokulahla nayiphi na inkonzo okanye izibonelelo phantsi kwemigaqo-nkqubo esesikweni. Iyasebenza yonke i-inshurensi: ubomi, ikhaya, imoto, izilwanyana zasekhaya okanye indlu eqeshisayo. Ngala manyathelo alandelayo esiveza apha ngezantsi:
I-inshurensi yasimahla kunyuselo
Kuya kusanda ukuba iinkampani zeinshurensi zenze izibonelelo apho ungene kwisivumelwano esinye okanye emibini imigaqo-nkqubo zikunika ezongezelelweyo ngaphandle kwendleko. Ngayiphi na imeko, ukuze esi sicwangciso sisebenze ngokwenene kuyakufuneka ukuba izinto ze-inshurensi zonikezelo zibalulekile kukhuseleko lwabasebenzisi. Oko kukuthi, akufuneki zenziwe ngokusesikweni ngaphandle kwesizathu kwaye isenzo senziwa kukunyanzelwa ukuba ube nemveliso yezi mpawu simahla.
Elinye lamaqhinga anokusetyenziswa kukusebenzisa i-inshurensi ebandakanya yamakhadi okanye iakhadikhadi. Kuya kufuneka uhlalutye iimeko zabo kuba kuwo onke amathuba awunyanzelekanga ukuba uthathe umgaqo-nkqubo kuba sele unayo kwaye awuyazi ngelo xesha. Kuyenzeka nezinye iimveliso zebhanki, ezinje ngeakhawunti yokuhlawula, iinkqubo zokonga okanye ezinye izicwangciso zepenshini.
Simahla kwiinyanga ezili-12 zokuqala
Abasebenzisi banokusebenzisa enye inkqubo yokwazisa esetyenziswa ngamanye amaxesha ziinkampani zeinshurensi. Imalunga nokubonelela abathengi abanokubakho ikhaya, ingozi okanye umgaqo-nkqubo wemoto phantsi kweemeko ezingcono ekuqeshweni kwabo. Oko kukuthi, ngaphandle kokuhlawula i-euro enye kwaye nakweyiphi na imeko ngazo zonke izibonelelo kunye nokugubungela imveliso. Nangona kunjalo, oku ixesha liya kuncitshiswa kuba lixesha lobabalo elifikelela kwezona meko zilungileyo kwiinyanga ezili-12.
Ukusuka ngalo mzuzu, ipremiyamu kunye nezavenge kuya kufuneka zihlawulwe ngendlela eqhelekileyo kwaye ngaphandle kwalo naluphi na uhlobo lwezaphulelo. Isicwangciso esiliqili sentengiso esineenjongo zokuvumela umnini wemveliso ukuba abone izibonelelo zokufumana i-inshurensi ebhalisiweyo. Nangona ikhontrakthi inokupheliswa nangaliphi na ixesha kwaye ngaphandle kwalo naluphi na uhlobo lwezohlwayo okanye izithintelo.
Akukho zindleko kwiimali-mboleko
Okokugqibela, kunokwenzeka ukuba kwezinye izinto ezibambekayo i-inshurensi yekhaya idityaniswe simahla. Olu lolunye unyuselo olwahlukeneyo olwenzelwe ukukhuthaza umthengi ukuba aqeshe. Ngokwesiqhelo ihamba kunye nokusasazeka kokukhuphisana ngokubhekisele kwimigca yekhredithi yokuthenga indlu ethengisa ukhuphiswano. Kule meko, ukonga kuya kuba lilonke kuba ixesha lalo iya kuba bubomi bonke kude kube kupheliswe imali mboleko yendlu. Ezi ntengiso zisebenza kuphela kwi-inshurensi yasekhaya hayi kwezinye iifom zokhuselo.
Izitshixo ezi-5 zokonga imali
I-75,8% yamakhaya eSpain zikhuselekile ngeinshurensi yasekhaya, ngokweenkcukacha ezibonelelwe yi-Spanish Union ye-Inshurensi kunye neZinto eziQinisekisayo (Unespa). Ukuya kwinqanaba lokuba yenye yezona nkqubo ziphambili zentengiso ziinkampani zeinshurensi. Kodwa mhlawumbi yintoni eyona nxalenye enkulu yabasebenzisi abangaziyo kukuba ngokuqesha kwabo banokugcina imali eninzi minyaka le.
Ukuthwala inkcitho ngemveliso efanelekileyo njenge-inshurensi yekhaya ithathwa ekuphunyezweni kwezicwangciso ezahlukeneyo ezona njongo ziphambili kukufezekisa injongo ekudala ilindelwe. Ngaphandle kokuyeka naluphi na ugubungelo oluyimfuneko, nditsho nokushiya ulondolozo lwenkedama yekhaya xa lijongana nezenzo ezithile okanye izehlo zangaphandle. Ngaba uyafuna ukwazi ukuba ungasisebenzisa njani esi sicwangciso sokonga sasekhaya?
Ingcebiso yokuqala: thintela ukuphinda
I-inshurensi yasekhaya yenye yezo mveliso ezinokuthi zibe nazo kabini kwaye ngamanye amaxesha ngaphandle kwe-inshurensi ngokwazo ziyazi. Ngesi sizathu kuhlala kuluncedo kakhulu ukuphonononga onke ama-inshurensi abhalisiweyo kwaye ukuba kukho iikopi azizukukhetha ngaphandle kokurhoxa ngokukhawuleza. Iya kuba ngumthombo wokonga ongalindelekanga kwaye oko kuya kukunceda ukuba ufikelele esiphelweni senyanga kunye ukujonga ukulingana kweakhawunti esempilweni. Ayilolize, inyani yokuba nemigaqo-nkqubo emibini eneempawu ezifanayo ayizukunikela nantoni na kubaninizo. Le yinkcitho engeyomfuneko ekhokelela kwinto engekhoyo.
Icebiso lesibini: zihlalutye
Olu didi lweemveliso zeinshurensi kulindeleke ukuba zenziwe ngokusesikweni ngokugubungela okungafuneki ngokwenene. Ukuthintela le meko, esona sisombululo sisiso iya kuba kukugxila kwiimfuno zosapho lonke. Ukuze ngale ndlela, ukwazi ukuthatha i-inshurensi yasekhaya, umntu ngamnye ngokupheleleyo. Apho kuphela ukhuselo olufunwa kakhulu ngabasebenzisi lubandakanyweyo kwaye, ngokuchaseneyo, ukuphelisa ezona zinto ziluncedo. Iya kuba sesinye sezitshixo sokugcina iindleko kunye nokugcinwa kwale mveliso. Ngogcino olunokufikelela kwiipesenti ezingama-20 kumaxabiso oqobo.
Ingcebiso yesithathu: urhwebo ngeinshurensi
Kuhlala kukhethwa ukuqesha ngezi nkampani kuneenkampani zeinshurensi ngokwazo. Isizathu sokwenza esi sigqibo kungenxa yokuba bazimele ngakumbi kunale yokugqibela njengoko bengabaphambukeli kwimidla yabo. Ngoncedo lokuba banokufikelela kuzo zonke iintlobo zonikezelo kunye nokunyuselwa kwiinkampani zeinshurensi. Ngenzuzo kwipremiyamu yonyaka ekufuneka bajongane nayo nabasebenzisi ngokusesikweni kweinshurensi yasekhaya.
Ingcebiso yesine: yiya kwi-Intanethi
Ukufumana ikhontrakthi kwi-intanethi kuhlala kunomvuzo kuba le fomathi ithwala iibhonasi Uluhlu oluphakathi kwe-5% kunye ne-10%. Ngokulula ukuba banokulawulwa ekhaya kwaye nangaliphi na ixesha losuku. Kwelinye icala, kwiinyanga ezidlulileyo i-inshurensi inyuse ukubonelelwa kwezi mpawu zinoluhlu olubanzi lwezindululo apho into efunekayo kukusebenzisa la majelo kulungelelwaniso lwabo. Ukusuka apho ukugubungela lo mgaqo-nkqubo kungabandakanywa kwaye kususwe, kuxhomekeke kwiimfuno zabasebenzisi. Kwelinye icala, ayinakulityalwa ukuba iinkampani ezininzi kwicandelo zikhethe le nkqubo yentengiso kwi-inshurensi yokhuseleko lwasekhaya. Ukubala kwinkxaso yenkxaso kulawulo lweemveliso zemali.
Ingcebiso yesihlanu: jonga iimfuno
Alithandabuzeki elokuba elona cebo lilungileyo lokonga kukuthatha kuphela i-inshurensi oyifunayo. Imigaqo-nkqubo ihlala isesikweni kwaye awusoze uyisebenzise kwaye ekuphela kwento ekucingela kukuba yinkcitho engeyomfuneko kuyo yonke iminyaka. Kwaye kwelinye icala, ungayisebenzisela ezinye iimfuno kubomi bakho. Eli lelinye lamaqhosha afanelekileyo ukuze kwezi zichanekileyo ukwimeko egqibeleleyo yokugcina indleko kolu hlobo lwemali. Ngale ndlela, awungekhe ulibale ukuba ixabiso eliphakathi lalo naluphi na uhlobo lweinshurensi (ikhaya, impilo, ingozi okanye imoto) ibandakanyiwe kuluhlu oluya ukusuka kuma-euro angama-200 ukuya kuma-600 ee-euro malunga.
Ewe, ngazo zonke ezi ngcebiso sizichazileyo ungaphucula imeko yokwenyani yeakhawunti yakho yokujonga okanye yokonga. Njengoko uza kubona ukusukela ngalo mzuzu usenza ezi zicwangciso zikhethekileyo kubudlelwane bakho necandelo leenkampani zeinshurensi. Apho kungafuneki ukuba ubhalise yonke imigaqo-nkqubo yakho. Hayi kangako, njengoko usenokuba uqaphele ngegalelo lolu lwazi lusebenzayo ukonga imali.