Insurance abantwana ziingozi nezifo. inshorensi esisiNyanzelo abantwana ziingozi

Xa ukukhanya kuvela umntwana, ubomi ngesiduko batshintsha ngokupheleleyo. Ngoku abazali banoxanduva kakhulu kwangokunjalo azisondezele njengoko ngenxa ubomi obutsha ukuba bavunyelwe ukuba bangene kweli hlabathi. Xa inkqubo yokukhula indoda encinane idla lijongene iingozi ezininzi nezinye ezithandabuzekayo. Kungenxa yoko le nto ngakumbi kwaye kaninzi umbuzo kuvuswe uluntu kuyimfuneko ukwazisa inshorensi elisisinyanzelo abantwana ziingozi. Kwiimeko eziyingozi kunye ezibalulekileyo, ngokuqinisekileyo akuyi ukukhusela, kodwa ukunceda abazali ukumelana neziphumo yalo mgaqo-nkqubo kakhulu ofanelekileyo.

Nangona kunjalo, i-inshorensi enyanzelekileyo, kukho ezininzi iintshaba - ngokutsho kwezinye iingcali, kungenela amanye amalungelo abantu, ngokuba wonke umntu unelungelo lokuba isigqibo kufuneka i-inshorensi okanye hayi. Ngokuba abantwana, Kakade, zide ezo yobudala emntaneni sesona sigqibo kufuneka kwenziwe ngabazali.

Ngubani ofuna ipolisi ye-inshorensi

Ukuza kuthi ga ngoku, i-inshorensi ingozi esikolweni kunye nabantwana yobudala uthole ngokuzithandela.

Ngengozi - na engalindelekanga; kwaqikeleleka kwaye komntu akuxhomekekanga ekuzithandeleni ekuzimiseleni ngenxa yemeko inshorensi esizakukhokelela lomonakalo isigxina okanye okwethutyana yempilo. Ukusuka zingasentla, kucacile ukuba, nangona ekuqaleni kwale meko akukho namnye ufuna ukuzikhusela ngokwabo kwiimpembelelo zalo kumele. Ukuba oku ngumongo ipolisi ye-inshorensi - Ukuba umntwana wakho, Nakanye, nantoni na eyenzekayo, uxanduva, ubuncinane imali, uya kwabelana nawe inkampani yeinshorensi.

Inshorensi ukuba umntwana zingahlawulwa ngenxa yokuba:

• yokulimala traumatic - ukwenzakala yokulungiselela, kwizaphuko, komsipha kunye dislocations, ukulimala zangaphakathi;
• iingxaki zempilo okwethutyana esingenakubonwa kwangaphambili - yityhefu, ukutsha kunye nezinye izifo ezifanayo;
• ukukhubazeka naluphi na udidi;
• ukufa (ukufa) umntwana engephi.

Imvumelwano inshorensi ekunokugqitywa ngokunxulumene yobudala yomntwana ukususela kunyaka omnye ukuya kwiminyaka eli-17.

Ubuqili contract inshorensi komntwana

Unakho ukuthenga i-nkqubo ngoko nangoko emva kokuzalwa, isivumelwano ekunokugqitywa unyaka omnye yaye kangangeminyaka eliqela. Ngokuqhelekileyo, oko kubandakanya intlawulo yembuyekezo kwimeko apho umntwana wabandezeleka ngenxa kwimeko esingenakubonwa kwangaphambili, yaye kwakufuneka unyango. Insurance asibandakanyi izifo eziqhelekileyo ezifana ne-SARS, ngaphandle kwakwiimeko apho isifo sele kwenzekile ngenxa yale ngozi. Ngokomzekelo, ukuba umntwana sele ngempazamo tyhefu yaye ngoko ke wavula isilonda, inkampani ye-inshorensi iya kuhlawula ukuba unyango lwesi sifo.

Kwakhona ngayo ezinye iimpawu kunye inshorensi ingozi abantwana kwezemidlalo. Apha simele silumke kakhulu, ingakumbi ezo abazali abanabantwana inxaxheba traumatic imidlalo - ikarati, ekhatywayo, umdlalo wamanqindi, imithambo njalo njalo. Into yokuba kukho kubalulekile, olunjani iimeko zicaciswa gca kule mvumelwano. Enye indlela kungaba inshorensi ukuba ixesha lokuthatha inxaxheba kukhuphiswano - inshorensi loo ayibizi, kodwa akusayi kuhlawula iindleko kokunyanga ukwenzakala ukuya kuqeqesho njengesiqhelo.

Imigaqo-nkqubo. Into nje

Ngoku makhe sithethe indlela ekunokuba inshorensi lwabantwana ziingozi. Zonke iinkqubo ze the VHI (inshorensi yonyango ngokuzithandela) lungohlulwa lube ngamaqela kuxhomekeke kwixesha, ubudala bomntwana, yaye, ke, uluhlu amabango inshorensi.

Naliphi na iziko inshorensi iya kubingelela kuwe ubuncinane iinkqubo ezimbini:

• Umgaqo-non-stop;
• inshorensi yethutyana.

Nanjengoko igama layo lixela, kwimeko yokuqala, lo mgaqo-nkqubo uya kuhlawula iindleko zonyango yokwenzakala umntwana ngalo naliphi na ixesha lemini. nkqubo yexeshana efanayo ikhusela umntwana wakho, umzekelo, kwiimeko ezinjalo:

• ngokuhlwa, kanti ukuhamba;
• ngethuba bekutyelelo isifundo ethile - chemistry, imfundo emzimbeni, uqeqesho lwabasebenzi;
• ngokuba ixesha lokuhlala enkulisa okanye esikolweni;
• ngethuba lotyelelo icandelo kwezemidlalo.

Ukongezelela nkqubo esisiseko inshorensi nabantwana esebenzayo ukuya iiklabhu zemidlalo, kukho enye i program ukuba inceda ukukhusela umntwana wakho iminyaka ezayo. ekuthiwa Le inshorensi yokonga. Undoqo yale nkqubo yile ilandelayo:

• abazali kuqukunjelwa kwiziko inshorensi ngemvumelwano ixesha elide, umzekelo, ngokuza yobudala umntwana;
• Abazali ngenyanga ngawo onke amaxesha idluliselwe kwi-akhawunti ye inkampani yeinshorensi imali encinane kwesivumelwano;
• ngexesha yenkampani isiganeko benefits ibandakanya iindleko zonyango umntwana kwaye yenza zonke iintlawulo ezifanele;
• Ukuba ngokuba lonke ixesha isivumelwano kunye nto yenzekileyo umntwana benefits, t. e. umgaqo-nkqubo ayiloncedo, inkampani uhlawula imali iyonke igalelo ngabazali.

Yile hlobo inshorensi babawa namhlanje othandwa kakhulu, njengoko ikhusela kuphela umntwana, kodwa ikuvumela ukuba ugcine ukuhlanganiswa kakhulu isixa kakhulu, umzekelo, xa kuqeqesho lwakhe.

abafundi inshorensi

inshorensi Ingakumbi ibalulekileyo abantwana ziingozi kunye nezigulo ngethuba lotyelelo lwabo ezikolweni. bona ngexesha esikolweni ukulungiselela umntwana kumkhawulela utitshala, umane nje emzimbeni nako ukugcina umkhondo abantwana abaninzi kangaka ngexesha elinye. Ngaba wakha wambona umfundi ekwaziyo ukuhlala kwindawo enye xa shaya kwesifundo okanye umntwana ongazange kubaleka okanye bawurhuqa pigtails okanye apakishe uhlobo yakhe? Mhlawumbi, ezi zinto, kodwa kunokuba umnyinyiva.

Yiloo nto-arhente ezininzi inshorensi zinika imigaqo-nkqubo eyodwa ukuqinisekisa ukhuseleko olongezelelweyo ukuba umntwana wakho ngethuba leeyure zesikolo. Ubude nkqubo ezinjalo idla kunyaka wezifundo - iinyanga 9. Ukuba ziqinisekise intlawulo apho umntwana wonzakele ezindongeni yeziko, kodwa endleleni ukuya nokubuya esikolweni umntwana wakho lubekwa.

ixabiso le nkqubo

Insurance abantwana ziingozi kungaquka iingongoma ezininzi yingozi. Ivela inani labo liya kuxhomekeka kwixabiso nkqubo. Izinto ezingaphezulu ufuna ukubandakanya kule mvumelwano, kokukhona ebiza kuya kufuneka ukuba uhlawule.

Ixabiso le-inshorensi nkqubo ingaqala kwi 100-150 engange ngenyanga, ibha liphezulu babe 20-30 amawaka engange ngonyaka okanye ngaphezulu. Yintoni ukukhetha nokuba kangakanani ukuhlawula - wena isigqibo ngokwakho.

Indlela yokunciphisa ebiziwe le nkqubo

Njengoko usazi, inshorensi abantwana besikolo ingozi inokuba ngeranti ngexabiso kwaye ibiza kakhulu. Ukuba ngaba oswele kwizibonelelo, kakuhle kakhulu. Yaye kuthekani ngabo bafuna inshorensi umntwana wakho, kodwa hayi Ndinemali imali? Kukho iindlela ezininzi ukunciphisa ebiziwe le nkqubo. Nazi ezinye zazo:

1. Zama ukuba aququzelele i-inshorensi esihlanganyelweyo, umzekelo, ukuqhuba incoko phakathi abazali baqinisekise yonke iklasi ngoko nangoko. Kulo mzekelo, unako ukubala kwi isaphulelo ebalulekileyo.
2. Fundisisa kwemvumelwano ukuba singasondeli kuyo ezo izinto musa lulungele wena. Umzekelo, iinkampani ezininzi benza kule mvumelwano gonyo ezinyanzelekileyo okanye zenyanga ireyithi yokupasa massage ukuphucula.
3. Ngaphandle ukususela kumatyala ayi-inshorensi iinkonzo amazinyo - loo nto kubiza kakhulu, kulula kwimeko yokuba ukujongana kunye nonyango lwabo.
4. Nikelani ingqalelo nalo ilungelo - lo mali lokugcina enjalo apho iindleko abayi kubuyiselwa. Umzekelo, ukuba itsalelwa yi engange-500, yaye indleko yonyango ukwenzakala ayibizi kakhulu, ngoko inkampani yeinshorensi kufuneka babe nto. Ukuba unyango kuyimfuneko, umzekelo, 800 engange, le nkqubo iya kuhlawula kuphela umahluko - 300. Ukuba nalo ilungelo akakho - inshorensi ibiza kakhulu.

Lingakanani ufumana

inshorensi yobomi Child nxamnye iingozi kubandakanya intlawulo buso okanye epheleleyo, konke oko kuxhomekeke ebukhulwini yokwenzakala. imbuyekezo obukhulu ngokuqhelekileyo inikwa kwimeko yokhubazeko indawo okanye ukwenzeka ukufa. Kakade ke, lo uphantsi-nkqubo iindleko, kuya kuba uphantsi imali yokuhlawula inshorensi. Kungaba ukubala malunga njalo - ixabiso nkqubo malunga 0.5 ukuya 1.5% sentlawulo, sithembele zokuqhambuka isiganeko inshorensi. Noko ke, kukho ulawulo ezibonayo - imbuyekezo kuqikelelwa ayikwazi ukuba ngaphezulu kwezigidi-2 engange.

Yintoni ekufuneka uyenze ukuze ufumane intlawulo ye-inshorensi

Imbuyekezo phantsi isivumelwano nayiphi na inkampani yeinshorensi akuxhomekekanga kwindlela izivumelwano ezininzi ezifana kugqityiwe na namanye amaziko. Oku kuthetha ukuba unako ukuthenga inshorensi iinkampani ezimbini okanye ezintathu ezahlukeneyo, yaye emva kwengozi ukufumana iintlawulo ngamnye kubo.

Insurance abantwana ziingozi ngokuqhelekileyo ubonelela ukuba ukususela kosuku lwengozi unyanzelekile kwiintsuku ezintathu, azise inkampani nangayiphi na indlela ongakwenza.

Ukuze ufumane kuhlawulwa, kufuneka unikeze kwi UK:

• kwesivumelwano;
• inshorensi;
• uxwebhu eqinisekisa kokuvela isiganeko inshorensi.

Kuba amaxwebhu anjalo angaquka:

• Isiqinisekiso esisuka kwiziko lokuthuthuzela amaxhoba;
• ingxelo yezonyango evela ikhadi lonyango okanye nomonde;
• isiqinisekiso kwebhodi yezonyango nengcali kokutyunjwa ukukhubazeka naluphi na udidi;
• isiqinisekiso sokufa le-inshorensi (ikopi eyintsusa +).

Kwakhona, inkampani yeinshorensi angacela amaxwebhu ezongezelelweyo engqina kokuvela isiganeko inshorensi.

Indlela ukwenza isivumelwano

Insurance abantwana ziingozi, kwakunye naluphi na uhlobo inshorensi - nto ilula. Kuya kufuneka ukuba enze uthotho ezilula:

• khetha inkampani yeinshorensi;
• ukuhlolisisa zonke iinketho kunye nemiqathango yenkonzo (kokubonana, nceda ufowunele okanye undwendwele iwebsite zenkampani) ngenyameko;
• khetha inkqubo efanelekileyo inshorensi;
• ukulungiselela amaxwebhu ayimfuneko ukwenzela kokugqitywa ngemvumelwano (idla kuphela kufuneka yakho yokundwendwela kunye nesatifikethi sokuzalwa);
• basayine imvumelwano kunye yokumhlawula.

Njengoko ubona, yonke into lulula kakhulu kwaye practice kuthatha kunqabile kakhulu, ngaphezu kwesiqingatha seyure.

Ukukhetha insorensi

Ukuba ucinga ukuba abhalise inshorensi yengozi somntwana, abantu bokwenene abaye basebenzisa iinkonzo IC ethile, kuya kukunceda wenze ukhetho olufanelekileyo. Yintoni ukuba ufune:

1. Khetha angumbutho omnye bebonakalise amava aqinisekisiweyo, ukufunda nohlolo ngezinye iinkonzo zakhe. Ingakumbi sinikele ingqalelo negative - ukuba wonke "imigibe" zidla esichazwe kuzo.
2. Cinga kwakhona phambi ekuqukunjelweni isivumelwano kwaye uzame ukuhlola ngokungenamkhethe iimpawu ngayo umntwana. Ukuba usana lwakho - ubuntu esebenzayo, bakwazi ukuba babe kwiindawo ezine ngaxeshanye, khetha inkqubo, ezifikelela kuzo zonke iingozi kunokwenzeka. Ukuba unethamsanqa elaneleyo ukuba nodibaniso umntwana umlinganiselo okanye kwinqanaba ubuncinane umsebenzi, inkqubo kunye iseti esisiseko yemida ilungele kakhulu.

Abanye abazali ungacinganga bakholelwa ukuba inshorensi lo mntwana - yinto inkunkuma imali. Kakade ke, ngamnye mntu uthemba ukuba akuluzuko oko, okanye nkqu nomntwana wakhe waba nto imbi eza kwenzeka. Noko ke, kungcono kusenokwenzeka ukuba ukukhusela abantwana ziingozi.