Ungawuthola kanjani umshuwalense wamahhala?

Umshuwalense, noma ngabe unjani, ungumkhiqizo ezimeni eziningi kubalulekile ukuthi uzivikele ezimweni ezingafuneki. Ukuze uvikele impilo yabathandekayo bakho, izimpahla ezibonakalayo noma nokwenza isikhwama esizinzile sokonga isikhathi esimaphakathi neside. Kuzo zonke izimo, bakhiqiza izindleko okufanele zihlangatshezwe minyaka yonke ngemali yabo yonyaka. Ngokukhipha lokho iphakathi kwama-100 no-500 euros cishe kuye ngemodeli ebhalisiwe, ukufakwa kufakiwe nenani labamukeli.

Kuyisu elingaba nezindleko zabasebenzisi, ukuze leyo mali ikwazi wabele ezinye necesities. Isibonelo, ukukhokha imalimboleko kubantu besithathu, ubhekene nezindleko ezingalindelekile kubhajethi yomndeni noma umane ukhokhele isikole sezingane zakho ezisencane, phakathi kweminye imisebenzi. Ngezeluleko ezithile ezilula ongazisebenzisa kusukela manje ezizoba nemiphumela emihle kakhulu kubhajethi yakho yomuntu siqu noma yomndeni. Kulokho okubeka esinye sezifiso ezinkulu kakhulu kwabasindisi abancane nabaphakathi.

Ngenxa yezindleko zabo, abasebenzisi abambalwa ababhalisi kule mikhiqizo yezezimali ukuzama ukonga imali kwi-akhawunti yabo yokonga. Kepha okuthakazelisa ngempela ukuthi okwamanje uchungechunge lwamasu ezentengiselwano lunikwe amandla okuholela ethubeni lokuthi kubhaliswe umshwalense wamahhala. Ngaphandle kokulahla noma iyiphi insizakalo noma izinzuzo ngaphansi kwezinqubomgomo ezisemthethweni. Kuyasebenza yawo wonke umshuwalense: impilo, ikhaya, imoto, izilwane ezifuywayo noma ukuqashwa kwendlu. Ngalezi zenzo ezilandelayo esizidalula ngezansi:

Umshuwalense wamahhala ekukhushulweni

Kuya ngokuya kujwayelekile ezinkampanini zomshuwalense ukwethula okunikezwayo lapho ungene khona inkontileka yenqubomgomo eyodwa noma ezimbili bakunikeza okungeziwe ngaphandle kwezindleko. Kunoma ikuphi, ukuze leli su lisebenze ngempela kuzodingeka ukuthi izinto zomshuwalense zokunikezwayo zibalulekile ekuvikeleni abasebenzisi. Lokho wukuthi, akufanele zenziwe zibe semthethweni ngaphandle kwesizathu esizwakalayo futhi isenzo senziwa ngenxa yesifiso sokuba nomkhiqizo walezi zici mahhala.

Amanye amasu angasetshenziswa ukusizakala ngomshwalense ofaka ifayili le- amakhadi wesikweletu noma debit. Kufanele uhlaziye izimo zabo ngoba kungenzeka ukuthi awudingi ukukhipha inqubomgomo ngoba vele usunayo futhi awuyazi ngaleso sikhathi. Kuyenzeka neminye imikhiqizo yasebhange, efana nama-akhawunti wabasebenzi, izinhlelo zokonga noma ezinye izinhlelo zempesheni.

Khulula izinyanga zokuqala eziyi-12

Abasebenzisi bangasebenzisa elinye uhlelo lokuphromotha elisetshenziswa kaningi yizinkampani zomshuwalense. Imayelana nokunikeza abathengi abangaba khona inqubomgomo yekhaya, yengozi noma yemoto ngaphansi kwezimo ezingcono ekuqashweni kwabo. Lokho wukuthi, ngaphandle kokukhokha i-euro eyodwa futhi kunoma yisiphi isimo ngazo zonke izinzuzo nokutholakala komkhiqizo. Noma kunjalo, lokhu isikhathi sizokhawulelwa ngoba kuyisikhathi somusa esifinyelela okungenani ezinyangeni eziyi-12.

Kusukela kulo mzuzu kuqhubeke, imali ekhokhwayo kanye nezitolimende kuzofanele zikhokhwe ngendlela ejwayelekile futhi ngaphandle kwanoma yiluphi uhlobo lwezephulelo. Kuyisu lokuhweba elinolaka kakhulu inhloso yalo ukuthi umnikazi womkhiqizo abone izinzuzo zokuba nomshuwalense obhalisiwe. Yize inkontileka ingaqedwa nganoma yisiphi isikhathi futhi ngaphandle kwanoma yiluphi uhlobo lwezinhlawulo noma imikhawulo.

Azikho izindleko zokubanjiswa kwemali

Okokugcina, kungenzeka ukuthi kwezinye izinto ezibanjiswa ngempahla umshwalense wasekhaya uhlanganiswe mahhala. Kukhuthazwa okwehlukile okwenzelwe ukukhuthaza iklayenti ukuthi liqashe. Ngokuvamile kuhambisana nokusabalala okuncintisana kakhulu maqondana nemigqa yesikweletu yokuthenga indlu ethengiswa umncintiswano. Kulokhu, ukonga kuzoba okuphelele ngoba ubude bayo buzoba impilo yonke futhi kuze kube yilapho kunqanyulwa imali mboleko yendlu. Lokhu kukhushulwa kusebenza kuphela kumshwalense wasekhaya hhayi kwamanye amafomethi wokuvikela.

5 okhiye bokonga imali

Amaphesenti angama-75,8% eSpain zivikelwe ngomshwalense wasekhaya, ngokuya ngemininingwane enikezwe yi-Spanish Union of Insurance and Reinsurance Entities (Unespa). Ukufika ezingeni lokuthi ingenye yezinqubomgomo ezithengiswa kakhulu yizinkampani zomshuwalense. Kepha mhlawumbe ingxenye enkulu yabasebenzisi abazi ukuthi ngokuqasha kwabo bangonga imali eningi minyaka yonke.

Ukutholakala kwezindleko ngomkhiqizo ofanele njengomshuwalense wasekhaya kususelwa ekusetshenzisweni kwamasu ahlukahlukene inhloso yawo enkulu kuzoba ukufeza le nhloso ekudala ilindelwe. Ngaphandle kokuyeka noma ikuphi ukumbozwa okudingekayo, ungaze ushiye nokulondolozwa kwezintandane zasekhaya lapho ubhekene nezenzo ezithile noma izehlakalo zangaphandle. Ngabe uyafuna ukwazi ukuthi ungalusebenzisa kanjani lolu hlelo lokonga imali yasekhaya?

Ithiphu yokuqala: gwema ukuphindaphinda

Umshuwalense wasekhaya ungomunye waleyo mikhiqizo ongayithola kabili futhi kwesinye isikhathi ngaphandle kwabanomshwalense ngokwabo. Ngalesi sizathu ngaso sonke isikhathi kuyasiza kakhulu ukubuyekeza yonke imishwalense ebhalisiwe futhi uma kukhona izimpinda ngeke kube nenye indlela ngaphandle kokuzikhipha ohlwini ngokushesha. Kuzoba ngumthombo wokonga ongalindelekile futhi lokho ngokungangabazeki kuzokusiza ukufinyelela ekupheleni kwenyanga nge- ibhalansi ye-akhawunti yokuhlola enempilo. Hhayi ngeze, iqiniso lokuthi kunezinqubomgomo ezimbili ezinezici ezifanayo ngeke linikele ngalutho kubaninizo. Lokhu kuyizindleko ezingadingekile ngokuphelele okuholela kulutho.

Ithiphu lesibili: lihlaziye

Lesi sigaba semikhiqizo yomshwalense kungenzeka ukuthi senziwe ngokusemthethweni ngokumbozwa okungadingeki ngempela. Ukugwema lesi simo, isisombululo esihle kakhulu kuzoba ukugxila kuzidingo zawo wonke umndeni. Ukuze ngale ndlela, ukhiphe umshwalense wasekhaya we-la carte, ngezifiso ngokuphelele. Lapho kuphela amakhava afunwa kakhulu ngabasebenzisi afakiwe futhi, kunalokho, kususwa okungasebenziseki kangako. Kuzoba esinye sezikhiye zokugcina izindleko ngokugcinwa kwalo mkhiqizo. Ngokonga okungafinyelela ku-20% kuzintengo zoqobo.

Ithiphu lesithathu: ukuhweba ngomshwalense

Kuhlala kungcono ukuyiqasha ngalezi zinkampani kunasezinkampanini zemishwalense uqobo. Isizathu sokwenza lesi sinqumo kungenxa yokuthi bazimele ngokwengeziwe kunalezi zokugcina njengoba behlukile kwezintshisekelo zabo kwezohwebo. Ngenzuzo yokuthi bangafinyelela kuzo zonke izinhlobo zokunikezwa nezenyuso ezivela ezinkampanini zomshuwalense. Ngenzuzo ekhokhwayo yonyaka okufanele abasebenzisi babhekane nayo ekwenzeni ngokusemthethweni umshwalense wabo wasekhaya.

Ithiphu yesine: iya ku-inthanethi

Ukwenza umshwalense ku-inthanethi kuhlale kunomvuzo ngoba le fomethi iphethe amabhonasi lokho ibanga eliphakathi kuka-5% no-10%. Ngobulula bokuthi zilawulwe ekhaya noma ngasiphi isikhathi sosuku. Ngakolunye uhlangothi, ezinyangeni ezedlule abomshwalense bakhuphule ukunikezwa kwalezi zici ngezinhlobonhlobo zeziphakamiso lapho okudingwa kuphela ukusebenzisa lezi ziteshi ekwenzeni kwabo ngokusemthethweni. Kusuka lapho ukufakwa kwale nqubomgomo kungafakwa futhi kususwe, ngokuya ngezidingo zabasebenzisi. Ngakolunye uhlangothi, akukwazi ukukhohlwa ukuthi izinkampani eziningi ngokwengeziwe emkhakheni zikhethe lolu hlelo lokumaketha emshuwalense wokuvikela ikhaya. Ukubheka ukusekelwa kokusekelwa ekuphathweni kwale mikhiqizo yezezimali.

Ithiphu lesihlanu: funa izidingo

Akungabazeki ukuthi isu elihle kakhulu lokonga ukuthatha umshwalense owudinga ngempela kuphela. Izinqubomgomo zivame ukwenziwa zibe semthethweni ongasoze wazisebenzisa nokuthi okuwukuphela kwento okucabangayo ukusetshenziswa kwemali okungadingekile kuyo yonke iminyaka. Futhi lokho ngakolunye uhlangothi, ungayisebenzisela ezinye izidingo empilweni yakho yangasese. Lesi esinye sezihluthulelo ezifanele kakhulu ukuze kulezi ezinembile usesimweni esikahle sokuqukatha izindleko kulolu hlobo lwemisebenzi yezimali. Ngalo mqondo, awukwazi ukukhohlwa ukuthi izindleko ezijwayelekile zanoma yiluphi uhlobo lomshuwalense (ikhaya, impilo, ingozi noma imoto) zifakiwe ebangeni elihambayo kusuka kuma-euro angama-200 kuye kuma-euro angama-600 cishe.

Yebo, ngazo zonke lezi zeluleko esizichazile ungathuthukisa isimo sangempela se-akhawunti yakho yokuhlola noma yokonga. Njengoba uzobona kusukela lapho wenza lamasu akhethekile ebudlelwaneni bakho nomkhakha wezinkampani zomshuwalense. Lapho kungenasidingo khona ukubhalisa zonke izinqubomgomo zakho. Hhayi kancane, njengoba kungenzeka ukuthi uqaphele ngomnikelo walolu lwazi olusebenzayo ukonga imali.


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.