Njengoko ishishini lokhenketho lisingise kutshintsho olusisiseko, iinshurensi zilungiselela iipikisi kwimfuno

Njengoko ishishini lokhenketho lisingise kutshintsho olusisiseko, iinshurensi zilungiselela iipikisi kwimfuno
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IAvatar kaLinda Hohnholz
Ibhalwe ngu Linda Hohnholz

Umzi mveliso wezokhenketho uhlengahlengisile kwaye watshintsha kulo lonke ubhubhane we-coronavirus kwaye ayisiyonto encinci ukucinga ukuba besiphila kumaxesha anzima.

  1. Ukwenza ukhenketho kwakhona, kuyafuneka ukuba uqiniseke ukuba abantu baziva bekhuselekile ngokokuhamba.
  2. Endaweni yokusika uhlahlo-lwabiwo mali ukugcina imali, iinkampani zityala imali eninzi kwintengiso ukwakha ixabiso lemveliso kunye nokwazisa.
  3. Ngokusisiseko, bakhumbuza abantu ukuba kunjani ukuhamba kwakhona.

Okona kubaluleke kakhulu, iiarhente zokuhamba kunye nabaqhubi bezokhenketho bahlengahlengisa indawo yokuthinta eyidijithali ukwenza ukuba kube lula ukurhoxisa kunye nokubhala kwakhona. Imibutho ekhokelayo ihlala ibulela phambili kwizixhobo zedijithali ezinokhetho "lokungachukumisi", ezinje ngetekhnoloji yokuhlawula eshukumayo.

Ukuphuhliswa nokusasazwa kwezitofu kunceda ekulawuleni intsholongwane, kodwa ezinye izithintelo ziya kuhlala zikhona. Ngokuchanekileyo, kuya kubakho ukusikelwa umda malunga nokuhamba ngaphakathi nangaphaya kwemida. Ukhenketho lwasekhaya lwenza kube lula ukumelana notshintsho. Kwelinye icala, oorhulumente bazama ukubuyisela kunye nokuvuselela icandelo, ukukhusela imisebenzi kunye namashishini ngokufanayo. Njengoko sinokubona, ishishini lezokhenketho sele liqhubeka notshintsho olukhulu, olukhokelwa kukuzibophelela kubukhulu. Njengoko iinkampani ezikwishishini lokhenketho zinomdla wokuqalisa ukwenza ingeniso, oorhulumente kunye naborhulumente basekhaya bayayekelela iiodolo. Nangona kunjalo, kubalulekile ukuba ungawutyesheli uxanduva olunokubakho.

Ukufumana nokuGcina ukuGcinwa kwe-Inshurensi efanelekileyo Yinxalenye ebalulekileyo yeNkqubo yoLawulo loMngcipheko  

Iingxaki zihlala zenzeka xa kulindelwe kancinci, ke iiarhente zokuhamba kunye nabaqhubi bezokhenketho kufuneka ube nesicwangciso esiqinileyo endaweni ebeka amanyathelo aza kuthathwa kwimeko enjalo. Ukongeza, kubalulekile ukuthatha i-inshurensi kuba icutha ngokufanelekileyo umonakalo obangelwe ziziganeko ezingalindelekanga. Ukuba amashishini amancinci kunye neenkampani ezincinci zihlala zingaqinisekiswanga, kunye neenkampani ezinkulu, libali elahluke ngokupheleleyo. I-inshurensi ibonelela ngokhuseleko lwemali kwilahleko ebangelwe yimingcipheko eyahlukeneyo. Isekwe kwisivumelwano esibhaliweyo esisibophelelayo, esinyanzela inkampani yeinshurensi ukuba ihlawule inani elilinganayo lomonakalo. Ukubeka ngokulula, umngcipheko wezezimali ugqithiselwe kwiqela lesithathu. Abathengi bahlawula ipremiyamu esekwe ngokusekwe kwizinto ezahlukeneyo.

Naliphi na ishishini elizinikele ekuboneleleni ngeengcebiso kunye neenkonzo kubaxumi lifuna i-inshurensi ukuzikhusela ngokuchasene nokumangalelwa kwento elingenakukulawula. Abaqhubi bezoKhenketho abadingi lonke uhlobo lweemveliso zeinshurensi kwintengiso, nokuba banakho ukuzifikelela. Olunye uhlobo lweinshurensi efunekayo yinshurensi yetyala jikelele. Ibandakanya amabango afana nokwenzakala kwentengiso, ukonzakala komzimba kunye nokonakaliswa kwepropathi, kunye nokophulwa kwelungelo lokushicilela. Abanini bamashishini banokugcina imali kwaye banqande inkcitho engeyomfuneko ukuba bathelekisa amanqanaba okugubungela kunye neekowuti. Kukho iiwebhusayithi ezithile ezivumela umsebenzisi ukuba khangela iikowuti ngeshishini kunye nohlobo lweshishini. Ngelixa i-inshurensi ingathinteli ukwenzeka kwezinto ezingekho mgangathweni, yenza izinto zibe lula kakhulu.

Ngaphandle kwetyala jikelele, iintlobo eziqhelekileyo zemigaqo-nkqubo yeinshurensi zibandakanya kodwa azikhawulelwanga kwii-akhawunti zeinshurensi ezifumanekayo kunye neinshurensi yepropathi. Ngelixa elangaphambili lithetha ukukhusela ishishini kwimeko yokungakwazi ukuqokelela intlawulo kubaxumi, le yokugqibela inikezela ngembuyekezo yezemali ukuba ulwakhiwo kunye nemixholo yayo ichaphazelekayo, njengakwimeko yobusela okanye yokonakala. Into enomdla kukuba, uninzi lubhenela kwi-inshurensi yokuzenzela kwii-asethi ezinjengepropathi. Oku ngokusisiseko kuthetha ukuba umngcipheko uyagcinwa ngokuchaseneyo nokuwugqithisa nge-inshurensi. Isigqibo sihlala sisekwe kukungabikho kwengxelo, kodwa ayisiyiyo indlela efanelekileyo yokulawula umngcipheko.

Ngamanye amaxesha, kunokuba yimfuneko ukufuna iingcebiso kwiingcali ukunceda ukufumanisa eyona ndawo ifanelekileyo yokugubungela. Nangona kubonakala ngathi ayifani nayo, i-inshurensi yinto enzima kwaye kukho ukhetho oluninzi ekufuneka luthathelwe ingqalelo. Ukuba ishishini alinayo inqanaba elifanelekileyo lokugubungela, inokujamelana neendleko ezinkulu kulandela ibango. Iinkampani ezininzi ziye zaphela zivalile iingcango zazo ngonaphakade. Iintlekele zinokwenzeka nakubani na nangaliphi na ixesha. Nokuba ezona ngcali zibalaseleyo azinakuqikelela into eza kwenzeka kuhambo. Ukuba umxhasi akonwabanga, abayi kuthandabuza ukuzisa isimangalo.

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IAvatar kaLinda Hohnholz

Linda Hohnholz

Umhleli oyintloko we eTurboNews esekwe kwi-eTN HQ.

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