Alithandabuzeki elokuba i-inshurensi sesinye sezixhobo ezilungileyo zokukhusela abantu abazisebenzelayo abangaphakathi kwezorhwebo lwedijithali. Apho indawo elungileyo yeenkampani zeinshurensi zinika abantu abaziqeshileyo ukuba babhalise umgaqo-nkqubo wokukhubazeka okwethutyana, okubavumelayo gcina umvuzo wakho Ngeli xesha abakwazi ukwenza umsebenzi wabo wobungcali. Zininzi izisombululo abanokuthi babonelele ngazo kwiimfuno zabo zemihla ngemihla kwaye ubukhulu becala banokuba sisixhobo seengxaki ezithile abanokuthi baziphuhlise.
Iibhanki kunye neenkampani zeinshurensi zijikile zaya kwicandelo eliziqeshileyo, zabanika iimveliso ezenzelwe bona kunye neemfuno zabo, kwaye zithathela ingqalelo iingxaki elijamelene nazo eli candelo loluntu. Ngokusisiseko isithembiso siqukethe iimveliso ezimbini zeinshurensi, kwelinye icala i-inshurensi ye- ukukhubazeka okwethutyana, ebavumela ukuba bagcine umvuzo wabo ngexesha apho bengakwazi ukwenza umsebenzi wabo. Ngelixa enye, kukho imigaqo-nkqubo yezempilo, egubungela unyango oluninzi kunye nesiqinisekiso sokulaliswa esibhedlele nangasiphi na isizathu.
Isidingo sabo sivela kwinyani yeemfuno zabasebenzi abaziqeshileyo abangenazo uninzi lwezi meko zikaxakeka zigutyungelwe kubomi babo bobuchwephesha. Olu hlobo lwemigaqo-nkqubo ekhethekileyo lubonakaliswa ngokuba bhetyebhetye kunye neemodyuli onokuziqesha kuphela ingxelo oyifunayo. Banikezela ngesona santya siphezulu kulawulo lwamabango. Ngokukhetha ukubhalisa ukhuseleko olongezelelekileyo kwimeko apho unokubangela nawuphi na umonakalo kubantu besithathu kuphuhliso lomsebenzi wakho wobungcali. Yiyo ke, i-inshurensi ehlengahlengiswe kwiimfuno zakho kunye nokukhetha ukukhetha izigqubuthelo ezikulungeleyo, njengeyona mithombo iphambili yesazisi ngokubhekisele kwenye i-inshurensi eneempawu ezifanayo.
Ukukhuselwa kwabantu abazisebenzelayo: izibonelelo zabo
Abantu abazisebenzelayo banokwenza ikhontrakthi njengokhetho lokuzikhethela kwi-inshurensi yekhefu lokugula kwezi meko zingxamisekileyo siziveze ngezantsi:
Isibhedlele ngaso nasiphi na isizathu: kolu khuselo umnini-polisi uya kufumana imali eyongezelelweyo ukuba, kwimeko yokugula okanye yengozi, wangeniswa esibhedlele kangangeeyure ezingama-24.
Ukupheliswa komsebenziUkuba umntu okhuselwe nge-inshorensi uyasebenza kwaye unegalelo kuKhuseleko lweNtlalo oluZimeleyo, iMutual, iMontepío okanye iziko elifanayo njengoko kumiselwe ngumthetho, baya kuqinisekiswa ngembuyekezo yenyanga yokupheliswa komsebenzi wabo.
Ukungahlawulwa kwamakhadi etyala
Ukungahlawulwa kwamakhadi akho etyala zezinye izibonelelo ezinikezelwa yile mveliso yemali ngalo mzuzu. Kuba xa imeko yabo ingabavumeli ukuba bajongane nentlawulo yenyanga yezavenge zabo. Ngeprimiyamu yonyaka okanye yenyanga engekho ngaphezulu kakhulu kuba ijikelezile I-20 okanye i-30 euro ngenyanga. Isixa-mali esiya kuthi siqwalaselwe kwirisithi yenyanga nenyanga eyenziweyo kwikhadi lekhredithi labanini bezi ndlela zokuhlawula. Yenzelwe iimeko apho ezi ngcali ziyeke ukusebenza okanye zingasebenzi.
Ngale ndlela, banokuchitha ixesha elithile ngaphandle kokuhlawula ityala eliqokelelwe kwezi plastiki kwaye zinokubangela iingxaki ezininzi xa belungiselela uhlahlo-lwabiwo mali lomntu okanye losapho. Kungenjalo, kuyo nayiphi na imeko, ukhetho olukhethwayo oluqeshwe kuphela ngabasebenzisi ukuba bakholelwa ukuba kufanelekile ukuqesha le nkonzo ngokusekwe kwiimfuno zabo zokwenyani kwicandelo lobuchule abasebenza kulo. Ukwazi nangaliphi na ixesha ukuphelisa ikhontrakthi yale inshurensi ngaphandle kwalo naluphi na uhlobo lwezohlwayo okanye inkcitho kulawulo lwayo.
I-inshurensi yokuqesha
I-inshurensi yezi mpawu ngumgaqo-nkqubo okhetheke kakhulu obonelela ngembuyekezo kwimeko apho ikhefu lokugula okanye ubungcali ukubuyekeza ukwehla kwengeniso yoKhuseleko lweNtlalo kunye neminye imbuyekezo kwimeko yokulaliswa esibhedlele nangasiphi na isizathu. Apho iveza khona ukhuselo olusisiseko, njengale sinikezela ngezantsi:
- Imbuyekezo yemihla ngemihla yokukhubazeka okwethutyana ngenxa yokugula kunye / okanye ingozi.
- Kubandakanya izibonelelo zokubeleka.
- Imbuyekezo kwimeko yokulaliswa esibhedlele ngenxa yokugula kunye / okanye ingozi: usuku ngalunye ulaliswa esibhedlele (ukusuka kwiiyure ezingama-24 ukuya kwiintsuku ezingama-365).
- Izibonelelo zerhafu Ityala labantu abaziqeshileyo abo banegalelo ngokuncitshiswa ngokuthe ngqo kwirhafu yengeniso. (Ukuya kuthi ga kwi-500 EUR).
Kwaye nezinye izinto ezogqithisileyo ezinganyanzelekanga kwaye ezibandakanya ezi zibonelelo zilandelayo kumgaqo-nkqubo onesivumelwano:
- Ungenelelo lotyando.
- Ukukhubazeka okuqinisekileyo nokungapheliyo.
- Uncedo Lwezonyango Ngengozi.
I-inshurensi yeengcali
Le yi-inshurensi eneyona nkxaso inkulu kunye neenkonzo. Ngale inshurensi ungagxila kuko konke ukugubungela okufunayo (ezempilo, umvuzo kunye / okanye ukusweleka) kwenye irisithi enye kunye namaxabiso awodwa. Kungenjalo, nakweyiphi na imeko, i-inshurensi yokugubungela uninzi olunokudibanisa i-inshurensi ngokweemfuno kunye nokuzibeka kwiirisithi enye.
Imigaqo-nkqubo yezi ntlobo ze-inshurensi ingadityaniswa:
- Ezempilo: Imveliso yeTshathi yezoNyango
- Irente:
- Ingozi
- Ukufa
Ngamanye amaxesha, ukuze ube nokufikelela kwezinye iziqinisekiso, kuya kufuneka ulinde ixesha elithile okoko uqala ukonwabela izibonelelo zomgaqo-nkqubo wakho.
Ngale klasi yeinshurensi yobungcali, zonke izibonelelo zinokusetyenziswa ukusukela kusuku lokuqala, kuphela ezi nkonzo zilandelayo zinamaxesha obabalo:
- Ukulaliswa esibhedlele kunye nongenelelo lotyando (kubandakanya iprosthetics): iinyanga ezi-6
- Ukuhanjiswa (ngaphandle kokusiwa kwangoko): iinyanga ezisibhozo
- Ukutshintshwa: iinyanga ezili-12
I-inshurensi yeengcali
I-inshurensi yezi mpawu ikunceda ekuhlawuleni iindleko ezingaqhelekanga ezenziwa kukulaliswa esibhedlele okanye ungenelelo lotyando (ugqithiselo, ukugcinwa kwamaqabane, ukhathalelo lwabantwana, uncedo lwasekhaya, njl. Njl.) Ngokuhlawulwa kwembuyekezo yemihla ngemihla ukuya kuthi ga kwelona liphezulu zonyaka omnye nokuba siphi na isibhedlele apho umntu ofakwe kwi-inshorensi alaliswe kuso.
Ngelixa kwelinye icala, isigulo okanye ingozi inokukunyanzela ukuba uthathe ikhefu emsebenzini, nto leyo ethetha umvuzo omncinci kunye nezinye iindleko. Ngale inshurensi, uqoqosho lwakho alunakuchaphazeleka kwimeko yekhefu lokugula, kuba ibango ngalinye okanye isifo sakho sabelwa isixa soqoqosho (isikali).