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Indawo yeendwendwe Iindaba zeMpilo

Ukuthenga umgaqo-nkqubo we-Inshurensi yezeMpilo? Ungalibali izinto ezi-5

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Ibhalwe ngu umhleli

Ukuthenga i-inshurensi yezempilo sesinye sezigqibo ezibaluleke kakhulu ebomini, kuba kuyanceda ukukhusela ngamaxesha engxakeko kwaye kukugcina ukhuselekile kwixabiso elihlala lisenyuka lokulaliswa esibhedlele. Yisambrela sakho ukubuyela emva xa usidinga kunye nomnatha wokhuseleko kusapho lwakho kwisiganeko esibi apho umntu afuna ukuhlala esibhedlele.

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  1. Yintoni ekufuneka ujonge kuyo xa ukhetha umgaqo-nkqubo wezempilo?
  2. Ngawaphi amanqaku aphambili ekufuneka isicwangciso seinshurensi yempilo esomeleleyo kufuneka sibonelele?
  3. Uthini umgaqo-nkqubo wezempilo owenzelwe wena kwaye kutheni le yeyona ndlela ilungileyo?

Kodwa, ukhetha njani enye enikezela zonke izibonelelo ozifunayo kwaye uzihlangule kwisithembiso. Zeziphi izinto ekufuneka ujonge kuzo xa ukhetha umgaqo-nkqubo wezempilo? Makhe siqwalasele amanye amanqaku abalulekileyo ekufuneka ukuba isicwangciso seinshurensi yempilo esomeleleyo simele ukubonakala.

Imigaqo-nkqubo eyenziwe ngokwezifiso

Ubungakanani obulingene bonke abunabunzima kakhulu xa kufikwa kumgaqo-nkqubo wezempilo njengoko umntu ngamnye eneemfuno kunye neemfuno ezahlukeneyo. I-inshurensi elungileyo iya kuhlala ithathela ingqalelo iimfuno zomntu kwaye inike imigaqo-nkqubo elungiselela ezo mfuno zithile. Umgaqo-nkqubo olungiselelwe wena uza kubonelela ngezongezo ezahlukeneyo ezinikezela ngesigqubuthelo esongeziweyo njengokhetho lokufumana unyango ngaphandle kwe-India, iindleko ezithe zenzeka kuluvo lwesibini, phakathi kwabanye. Ke ngoko, soloko ufumanisa ukuba kukho izibonelelo ezinikezelwayo okanye hayi kwaye ukhethe umgaqo-nkqubo wakho ngokufanelekileyo.

IiNkonzo eziNgezelelweyo zexabiso

Yiminyaka yedijithali, kwaye akukho sidingo sokuthwala iikopi ezinobunzima kunye nawe ngalo lonke ixesha. Fumanisa ukuba umboneleli wakho weinshurensi ubonelela ngeenkonzo ezongezwe ixabiso ngohlobo lweapp engazukufuna ukuba uphathe amaxwebhu emigaqo-nkqubo yezempilo ujikeleze kwaye yonke into ifakwe kakuhle kwindawo enye ifikeleleke naphi na, nangaliphi na ixesha.

Ukuhlaliswa kwebango

Nawuphi na umgaqo-nkqubo wezempilo ulungile kuphela ukuba inkqubo yokwenza amabango igudile njengesilika. Ngalo lonke ixesha thelekisa umyinge wokuhlawulwa kwamabango kubanikezeli beinshurensi kwaye kukuluhlu olufutshane kuphela olunerekhodi elungileyo xa kusiziwa ekunikezeleni ngenkqubo yokuhlawulwa kwamabango ngaphandle kwengozi. Ngokufanelekileyo, ukubheja kwakho okusemagqabini kukufumana elinye elineqela elingaphakathi endlwini lokuhlawula amabango njengoko likhawuleza kwaye liyindawo yokumisa indawo enye ukusombulula nayiphi na imibuzo okanye iihiccups ojamelana nazo ngexesha lokulaliswa esibhedlele okanye ukukhutshwa.

IziBonelelo zeziBonelelo

Ukuba utshatile okanye uceba ukutshata kwixa elizayo, le yinto ekufuneka usoloko uyijonga kwi-inshurensi yakho. Ukuzalwa komntwana lelinye lawona maxesha amnandi ebomini kunye nokuba nomgaqo-nkqubo wezempilo onika izibonelelo zokubeleka kuya kukunceda ukonwabele elona xesha libalulekileyo ebomini ngokuhoya zonke iindleko zesibhedlele ezikushiya ukhululekile ukuba uchithe ixesha elininzi nosapho.

Inethiwekhi yeSibhedlele

Uluhlu lwezibhedlele kuthungelwano lweinshurensi lubaluleke kakhulu ekufuneka unike ingxelo ngalo xa uthenga umgaqo-nkqubo wezempilo. Jonga ukuba inamaziko onyango okuqala kwinqanaba lawo kunye nokuba izibhedlele ezikufutshane ezikufuphi kuwe ziyagutyungelwa okanye akunjalo. Soloko ukhetha umgaqo-nkqubo wezempilo ogubungela izibhedlele apho kunokwenzeka ukuba uthathe abantu obathandayo kwimeko yokuba lilishwa lokulaliswa esibhedlele ukuze ufumane izibonelelo ezingenamali. Kwimeko apho, izibhedlele ozikhethileyo azikho uluhlu lwenethiwekhi, Kuya kufuneka ukhuphe imali epokothweni yakho kwaye ufake isicelo sembuyiselo kamva enokuthi yona ibe yinkqubo echitha ixesha.

I-inshurensi yezempilo ibonelela ngemigaqo-nkqubo ejolise ekukhuseleni wena kunye nosapho lwakho ngamaxesha e zempilo ntlekele kwaye ikukhusela kwingcinezelo yezemali ngokubonelela ngogubungela olunonophela zonke iindleko zesibhedlele ngaphandle kwezikhuselo kwigumbi lokurenta, ezitsaliweyo, okanye intlawulo kunye.

Nokuba uphilile kangakanani namhlanje, njengokuba ukhula, ii-chinks kwisikrweqe ekugqibeleni ziya kuqala ukuvela kwaye umgaqo-nkqubo wezempilo ngowona ukubheja kwakho ukuba uhlale ukhuselekile kwinqanaba lokugqibela lobomi. Nangona kunjalo, ukufumana ezona zibonelelo ziphezulu kuyo, kungcono ukufumana i-inshurensi kwinqanaba lokuqala kwaye ukonwabele ukugubungela okuphezulu kwiipremiyamu ezisezantsi.

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Umhleli oyintloko nguLinda Hohnholz.

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