Umbuzo ovamile, ngempendulo elula
Iningi labantu lisetshenziselwa umqondo wokuthi isimangalo esikhulu emshwalenini wabo wemoto yomshwalense noma inqubomgomo yabanikazi bangabangela ukukhuphuka okuphezulu (inothi ukuthi lokhu akusiyo njalo indaba). Ngakho-ke yinto evamile yokungaqondi kahle ukuthi kunjalo nakumshuwalense wezempilo.
Kodwa akulona iqiniso, futhi kwakungeyona icala ngisho nangaphambi kokuba uMnyango wezokwelapha ongenakuthengiwe ushintshe imakethe yomshuwalense wezempilo.
Akukho ukuguquguquka kwe-premium okusekelwe kumangalo athile
Ngaphambi kuka-2014, lapho umshuwalense wezempilo emakethe ngayinye ebhalwa ngokomzimba cishe kuzo zonke izifundazwe, kwakungekho nalungiselelo yokulungisa i-premium ye-insured esekelwe kwisimangalo. Uma lo muntu eqinisekisiwe, kwakungenayo i-leeway yokulungisa isilinganiso somuntu ngokuzimela ngaphandle kweminye indawo yokufaka ingozi.
Izinsuku zakudala - ukubhala phansi kwezokwelapha
Ngaphambi kuka-2014, kwaba nezimo eziguquguqukayo kuzo zonke izifundazwe eziyisihlanu kodwa zakwa-insurerrs zempilo ukubeka amanani okuqala ngokusekelwe emlandweni wezokwelapha. Ngakho-ke umfakisicelo onemibandela ekhona ngaphambili kungenzeka ukuthi wanikezwa uhlelo, kodwa nge-premium ephakeme kunezinga elijwayelekile.
Lokhu kwaba okunye okungekho okwenziwe ngaphambili kwemibandela, kanti izinga lokuqala likhuphuka ngokuvamile lisukela ku-10% kuya ku-100%, kuye ngokuthi ubukhulu besimo (futhi cishe abangaba ngu-13% bezicelo abakwazanga ukuthola uhlelo nhlobo kumuntu oyimfihlo imakethe ngaphambi kuka-2014).
Kodwa uma usu-insured, izimangalo zesikhathi esizayo ngeke ziholele ukwanda kwezinga eliyingqayizivele kuhlelo lwakho. Uma uhlelo lwakho luhlanganisa ukukhuphuka kwezinga lokuqala, lokho kuzohlala nawe (ngakho uma imali yakho yokuqala ishintshiwe phezulu ngo-25% ngesikhathi sokubhala phansi, izoqhubeka ibe ngama-25% ngaphezulu kunezinga elijwayelekile eminyakeni ezayo).
Kodwa uma kamuva uthole isimangalo - ngisho nenkulu kakhulu - ukuguqulwa kwesilinganiso sakho ngonyaka olandelayo kuzofana nokuguqulwa kwesilinganiso kubo bonke abanye abanecebo elifanayo endaweni yakho.
Ukukala ukwenyuka sekulokhu kuqhutshelwa yizicelo, kodwa izimali eziphelele zisakazwa kuwo wonke ama-insureds echibini elinikeziwe, ngokuvamile elihlanganisa nabanye abantu abanecebo elifanayo endaweni efanayo. Ngakho-ke uma iningi labantu elikudoba elibhekele ingozi lalinemali ebalulekile, amanani omuntu wonke angakhula ngokunyuka ngonyaka ozayo. Kodwa babeyokhuphuka ngamaphesenti afanayo kuwo wonke umuntu kuleyo ndawo yokubeka ingozi, kungakhathaliseki ukuthi banesimangalo esikhulu, isimangalo esincane, noma akukhokho isimangalo nhlobo.
Izinguquko ze-ACA
Ngaphansi koMthetho Wokunakekelwa Onganakekelwayo, akusekho ukuvumelana nezimo zabase-inshuwalense ukulungisa amazinga ngokusekelwe emlandweni wezokwelapha noma umlingani (lokhu kuyiqiniso emakethe ngayinye kanye nemakethe yeqembu elincane). Amanani angashintsha kuphela ngokususelwa eminyakeni yobudala, indawo yezindawo (ie, ikhodi yakho ye-zip), nokusetshenziswa kogwayi (ezinye izifunda zithathile lokhu okuqhubekayo, futhi zivinjelwe izindleko zogwayi emiphakathini yomshuwalense wezempilo ).
Ngakho-ke namuhla, umfakisicelo ophakathi nokwelashwa komdlavuza uzokhokha intengo efanayo nomunye umenzi wesicelo ophilile ngokuphelele, uma nje ekhetha uhlelo olufanayo, ahlala endaweni efanayo, abuye abe nomnyaka ofanayo, futhi abe nogwayi ofanayo isimo.
Futhi njengoba isikhathi siqhubeka, bazoqhubeka beba namanani afana nomunye nomunye, kungakhathaliseki ukuthi yiyiphi yezimangalo zefayili nenkampani yomshuwalense wezempilo. Amanani azo cishe azokhuphuka isikhathi , kodwa lokho akufanele kudidaniswe nokwanda kwezinga elibangelwa ukufaka isicelo.
Njengoba ebhalisa ubudala, amanani abo akhula. Ubudala bungenye yezinto izinkampani zomshuwalense wezempilo ezingasasebenzisa ukusetha amazinga, kodwa abathwali abakwazi ukukhokha abantu asebekhulile izikhathi ezingaphezu kwesithathu njengoba bekhokha abantu abasha.
Futhi amanani jikelele kuwo wonke umuntu ohlelweni azovame ukukhuphuka kusukela ngonyaka owodwa kuya kwesinye , ngokususelwa ekumangalisweni okuphelele okwenziwe yilowo nalowo ohlelweni.
Kodwa bazokhuphuka ngamaphesenti afanayo kubantu abafake izimangalo ezinkulu, abantu abafake izimangalo ezincane, nabantu abangazange bafake izimangalo nhlobo.
Uma nje uhlelo lwakho lungavaliwe, uzokwazi ukuqhubeka uluvuselela kusukela ngonyaka owodwa kuya olandelayo (inothi lokuthi lokhu akusebenzi emiphakathini yomshuwalense wezempilo yesikhashana ), futhi amanani akho wokuvuselela ngeke ashintshwe ngokumangalelwa kwakho phakathi nonyaka odlule - kunalokho, izinga lakho lizoshintsha ngamaphesenti afanayo nanjengoba bonke abanye kudibanethi yakho yezwe.
Futhi ngombono ohlukile, ukwanda kwe-premium kwenzeka kusukela ngonyaka owodwa kuya kwesinye, ngisho noma ungafaki noma yiziphi izimangalo nhlobo. Futhi, izinga lakho likhuphuka linqunywe yizimangalo eziphelele ze-pool yonke engozini; noma ngabe kungenzeka ukuthi awunakho okushiwo, abanye abantu bakwenzile. Futhi nakuba lokho kungase kubonakale kuphazamisayo eminyakeni ongenayo izicelo, uzobonga ukuthi ukunyuka kwezinga akulona okwenziwe ngabanye (ngokusekelwe kumangalo) eminyakeni lapho unesidingo esikhulu.
Sebenzisa uhlelo lwakho - kodwa ungaluqedi
Ukuthatha okulandelayo ukuthi akufanele ukwesabe ukufaka isimangalo uma kunesidingo. Akudingeki ukhathazeke ngokuthi uzophela nge-premium yempilo yomshuwalense wezempilo.
Kodwa isimangalo sakho sizoba yingxenye yesithombe sezimangalo ezenzelwe uhlelo lwakho lwezempilo uma kusetshenzwa amanani omnyaka ozayo, ngakho-ke ukugwema ukusetshenziswa ngokweqile (okungukuthi, izinto ezinjengokuya ekamelweni eliphuthumayo uma ukunakekelwa okuphuthumayo noma udokotela oyinhloko kungenelisa) wonke umuntu indawo yakho engozini.