Insurance nxamnye nemalanana. Iimpawu zale nkqubo

Xa kuqala iintsuku ezifudumeleyo inani elikhulu labantu zikhethwa umzi ukwenza imisebenzi ipoma kwaye ukhululeke kwindawo zendalo. Kwangaxeshanye, asingabo bonke khumbula ukuba entwasahlobo kukho amathuba eliphezulu kakhulu kokuba umntu ethe walunywa uphawu - ngamanye amaxesha kukhokelela kwiziphumo lilishwa kakhulu ngohlobo ukuphazamiseka zempilo ezahlukeneyo. Malunga ukhuseleko ehlathini kufuneka abakhenkethi bazi, abavuni mushroom kunye abakhenkethi nje abafuna zeBarbercue phandle. Ngelishwa, ezi ndidi badla ngakumbi bangamaxhoba izinambuzane eziyingozi.

Qaphela kakhulu

Oku kwenzeka ekupheleni spring kufuneka balumke kakhulu, ekubeni eli thuba ntwala ngenkuthalo phinda. Noko ke, oku akuthethi ukuba ezinye iinyanga siphaphile kufuneka ibe ngaphantsi kwe: sinambuzane ezingasosulela kuwe, kusukela ngo April kunye nesiphelo-Oktobha.

Kubalulekile ukuba ukhumbule ukuba uphawu wenza ngononophelo kakhulu, wena ucinga ukuba apha esikhumbeni. Nangona kunjalo, akukho mpawu iintlungu uya kufumana, njengokuba kwizinkcwe esi sinambuzane amacandelo iintlungu, leyo buthuntu inovakalelo. Ngenxa yoko, abantu bosulelwe yiyo kobuchopho lwethikh-esindayo, kwaye nokuphilisa esi sifo kwiimeko ezinzima kakhulu. Kufuneka kugxininiswe ukuba unyango ngokwayo yaye inkqubo imali eninzi kakhulu.

Yintoni ukwenza ntoni?

Kakade ke, wonk 'ufuna aphuthise imingcipheko behlangana uphawu kwaye uphephe inkcitho unyango lwe kobuchopho. Ukunciphisa ithuba losuleleke yi izinambuzane eziyingozi, namhlanje, abaninzi baye babhenela inkqubo ezifana neinshorensi nxamnye tick.

Yintoni injongo yawo? Yinto elula kakhulu. Ufaka isicelo kwinkampani ye-inshorensi kunye yokumthengela inkqubo ekhethekileyo ukuthi sisebenza kangangexesha elithile. Ukuba phakathi kweli xesha uya unesifo kukulunywa uphawu, uya kunikwa unyango simahla kwelinye ezikliniki. Kulo mzekelo, isivumelwano emiselweyo ngokwahlukileyo, iziko elithile kufuneka ukuba bakhonze umthengi. Ngenxa yoko, ezifana inkqubo neinshorensi nxamnye tick kuthetha ukuba ixhoba liya kunikwa unyango kwiziko, nto leyo ngobuchule izibandakanye seroprevention. Apho uza kunceda ukuba asuse uphawu, yaye uya kwandula ke kumisela unyango.

Ingakumbi imigalelo

Kufuneka kuqatshelwe ukuba namhlanje inshorensi lwethikh - yinto inkqubo efanelekileyo yaye iluncedo, nto leyo enikezelwa yi insurer ezininzi. Ngaphezu koko, yena nayo iyafumaneka kubantu nemivuzo ephantsi. Namhlanje, inkqubo efana inshorensi nxamnye nemalanana, obiza umlinganiselo engange 200 efunekayo phantse wonke.

Kwangaxeshanye, simele sikhumbule ukuba, ngokuxhomekeke kwisixa le mvumelwano iya kuba ezahlukeneyo wammisa kweenkonzo.

Umzekelo, i-inshorensi engambi nxamnye tick izakuquka kugonyo enye. Ukuba umxhasi ukungena ukuba inkqubo ezibiza kakhulu, ngoko emva kwengozi kokuba uyakwazi ukubala nje kuphela kwi ikhosi epheleleyo zogonyo, kodwa kwiinkqubo zonyango, kwaye ukuba esi sifo baya kuqhubela phambili, ngoko yonke imithi ezifunekayo ukuze unyango.

Okwangoku, unako-inshorensi okanye ukukhupha umgaqo-nkqubo ngoko nangoko onke amalungu entsapho.

Yintoni na ukukhangela ukuba xa usenza ipolisi ye-inshorensi?

Ngaphandle kokuba inshorensi nxamnye tick yaluma - kuba yinkqubo efunekayo nokungamandla, mandikhawulezise malunga nokukhetha inkqubo kufuneka ibe. Into yokuqala ukuxoxa zonke bokuqonda kunye ubuqili kunye arhente inshorensi.

Namhlanje, iinkampani ezininzi zifundisa inshorensi lwabantwana ukusuka tick. Ngokukhetha inkqubo enjalo, kufuneka ayeke ukhetho lwakho phezu cheap, kuba nina aninako ukugcina kwimpilo kwabantwana.

Ngononophelo ingqalelo zonke izinto lesivumelwano, njengoko abanye abasebenzi iinkampani ze-inshorensi ngabom embellish okanye enye inkqubo ebizwa ngokuba "amakhalane inshorensi ukuluma." ingqalelo ekhethekileyo kufuneka ihlawulwe usosulelwa amagatya, nekuxoxwa ngazo ngezantsi.

Imali ye-inshorensi

Kweli nqanaba kubonisa ingakanani imali eza kuchithwa yi insurer ukuba unyango. Kwezinye iimeko, abasebenzi nkampani iya kuqinisekisa inani eliphezulu unyango kunye nokuvuselelwa, kodwa isivumelwano Iqinisekile imali encinci ngokwaneleyo ngemali. Kakade ke, isithembiso imali ukufumana neze. Ukuze siphephe iingxabano kunokwenzeka kunye izimpi noku, kungcono ukuba ukuhlalutya iindleko neenkqubo kugonyo kunye onke amayeza ayimfuneko.

Uluhlu lweenkonzo

Kwesivumelwano kufuneka uqonde ngokucacileyo into enokukunceda Uvumelekile ukuba xa kuthe isiganeko inshorensi. Kulo mzekelo, ukuba ikhontrakthi sicacisa ukuba banelungelo lokufumana gonyo olunye kuphela, ukubala okungakumbi, uya kuba nako, nkqu apho isixa-inshorensi iya kuba zizazi phezulu kuwe.

Isihlomelo - yinxalenye yesivumelwano

Khumbula ukuba i-inshorensi evela kukulunywa uphawu kufuneka kwenziwe ngaphandle zonke izicelo eziyimfuneko.

Kufuneka kuchazwe ngokucacileyo naziphi na izibonelelo zonyango kwimeko usulelo virus, uya kuncedwa. Kakade ke, kuhle xa ibekwe ngaphakathi kumgama ukuhamba ukusuka ekhayeni lakho, yaye oko kufuneka sinikele ingqalelo kwindawo yokuqala xa ukhetha inkqubo. Kuluncedo ukuqinisekisa ukuba inkampani ye-inshorensi utyikitye isivumelwano kunye kwiziko lonyango apho isigulane iya ikhondo unyango.

indawo

Nikelani ingqalelo Eneneni, yintoni ummandla kuhlawulwa yi-nkqubo. Musa ukulibala ukuba ngokubonelela ngeenkonzo ezifana neinshorensi nxamnye iluma tick, ezinye iinkampani zifikelela lonke elo lizwe, ngoxa abanye - kuphela kwimimandla ethile.

isiphelo

Khathalela ukuthenga inshorensi tick kwangaphambili ukuba ingxaki zange ukukuhlasela ngequbuliso. Musa ukulibala kwakhona malunga gonyo.