Sonke sisebenza nzima ubomi bethu bonke ukuze sizondle size sizinxibise kakuhle, sifundise abantwana bethu, size sigcinele ixesha elizayo, akunjalo? Kodwa ngelixa sigcina le mali, ngaba sakha sacinga ukuba sizilungiselela na izifo eziza nokwaluphala? Khawuthelekelele, ukuba ngequbuliso uhlaselwa sisifo esibi, yonke imali oyigcinileyo oyisebenzele nzima ingaphela ngosuku olunye. Kwimeko engalindelekanga, umshuwalense wezempilo yinto eza kukunceda ngaphandle kokubeka umthwalo onzima kwisikhwama sakho.
Ngamafutshane, yintoni i-inshorensi yezempilo?
Le yingcamango elula kakhulu. Cinga ngayo njengoluntu oluswelekelwe ngabantu kwilali. Sonke siyahlangana size siqokelele imali encinci. Ukuba umntu ungena engxakini, sisebenzisa imali esiyiqokeleleyo ukunceda loo mntu. I-inshurensi yezempilo iyafana.
Uhlawula imali encinci kwinkampani yeinshorensi inyanga nenyanga okanye minyaka le. Siyibiza ngokuba yi-"premium" . Ukuba uyagula kwaye kufuneka ulaliswe esibhedlele, inkampani yeinshorensi iya kuhlawula iindleko - oko kukuthi, iindleko zikagqirha, amayeza, iimvavanyo, iindleko zegumbi, njl. Oku kubizwa ngokuba yibango .
Ngamafutshane, i-inshorensi yezempilo ifana nokonga imali encinci namhlanje ukuze uhlawule iindleko ezinkulu zesibhedlele ezinokubakho kwixesha elizayo.
Ingaba oku kubaluleke kakhulu kuthi eSri Lanka?
Abanye banokucinga, "Xa izibhedlele zikarhulumente zikhululekile kwilizwe lethu, kutheni sihlawulela i-inshurensi?" Ewe, unyango lwasimahla kwilizwe lethu yenye yeentsikelelo ezinkulu esizifumanayo. Akukho ngxoxo ngaloo nto. Nangona kunjalo, sonke siyazi ngokuxinana kwezibhedlele zikarhulumente, ngamanye amaxesha imigca emide yotyando, kunye nenyaniso yokuba amayeza okanye iimvavanyo ezibizayo kufuneka zenziwe ngaphandle.
Kwelinye icala, ukuba ufuna unyango kwisibhedlele sabucala, mhlawumbi uyazi ukuba lubiza kangakanani. Khawuthelekelele ukuba ngequbuliso ufuna ii-lakhs zotyando olungxamisekileyo lwe-bypass, unyango lomhlaza, okanye ukufakelwa izintso? Kwimeko enjalo, ukuba ne-inshorensi yezempilo elungileyo kuya kukunika ithuba lokufumana unyango olungcono ngaphandle kokukhathazeka ngaloo mali. Ingakumbi emva komhlalaphantsi, xa ungenamali izinzileyo, into efana nale iluncedo olukhulu.
Ngubani onokufumana i-inshurensi yezempilo?
Enyanisweni, nabani na angafumana i-inshurensi yezempilo. Kodwa eyona nto ibalulekileyo ekufuneka uyikhumbule yiminyaka yakho kunye nemeko yempilo yakho ngexesha lokufumana i-inshurensi .
- Usemncinci kwaye usempilweni: Ukuba uthenga i-inshurensi usemncinci kwaye ungenazo izifo ezinkulu, iprimiyamu oza kuyihlawula iya kuba sezantsi kakhulu. Uya kukwazi nokufumana i-inshurensi ngaphandle kweengxaki.
- Abantu abadala kunye nabantu abathathe umhlala-phantsi:Ungayifumana i-inshurensi njengoko ukhula, kodwa iiprimiyamu zinokuba phezulu kancinci. Ezinye iinkampani ziye zazisa izicwangciso ze-inshurensi ngokukodwa zabantu abathathe umhlala-phantsi.
- Abantu abanezigulo esele zikhona: Ukuba unesifo esisele sikhona njengesifo seswekile okanye uxinzelelo lwegazi oluphezulu, ezinye iinkampani zeinshorensi ziya kukwamkela. Nangona kunjalo, usenokungagutyungelwa kwiminyaka embalwa yokuqala, okanye iiprimiyamu zakho zinokuba phezulu. Eyona nto ibalulekileyo kukunyaniseka malunga neemeko zakho zempilo xa ufaka isicelo seinshorensi.
Ungayikhetha njani i-inshorensi elungileyo? Lumka kwezi zinto!
Kukho iinkampani ezininzi zeinshorensi yezempilo eSri Lanka ngoku. Ngaphambi kokuba ukhethe enye, kubaluleke kakhulu ukuphanda ngononophelo ezi zinto.
| Izinto ekufuneka uzazi | Intsingiselo nje |
|---|---|
| Isixa-mali esigutyungelweyo | Yimalini ephezulu inkampani yeinshorensi eza kukuhlawula yona ukuba uyagula? (umz. 5, 10, 20 lakhs ngonyaka?) |
| Iprimiyamu | Isixa-mali ekufuneka usihlawule ngenyanga okanye ngonyaka ukuze ufumane olo khuseleko. |
| Izibhedlele zeNethiwekhi | Zeziphi izibhedlele zabucala onokufumana unyango kuzo? Ezinye izicwangciso zeinshorensi zihlawula ityala ngqo esibhedlele (ngaphandle kweCash). |
| Izifo Ezigutyungelweyo | Zeziphi iintlobo zezifo ezigutyungelweyo? Qiniseka ukuba ujonga izinto ezingabandakanywanga. |
| Umda wobudala | Ingakanani iminyaka yobudala yokubhalisa kwi-inshorensi? Kwakhona, ingakanani iminyaka yobudala yokuhlaziya i-inshorensi? |
| 'Akukho Bhonasi yeBango' | Ukuba awufaki naziphi na izibango unyaka wonke, ngaba isixa-mali somshuwalense siza kunyuka kunyaka olandelayo okanye iprimiyamu iza kwehla? |
Kuza kwenzeka ntoni ukuba ndilibazisekile ukufumana i-inshorensi?
Le yimpazamo eyenzeka kubantu abaninzi kuthi. Ukulibazisa, besithi, "Owu... masilinde kancinci." Kodwa kwimeko ye-inshorensi yezempilo, ukulibazisa kubangela ilahleko.
1. Iipremiyamu ziyanda: Njengoko ukhula, iipremiyamu ezihlawuliswa ziinkampani zeinshorensi nazo ziyanda ngenxa yomngcipheko okhulayo wokufumana izifo.
2. Ukhuseleko lwesifo lulinganiselwe: Ukuba uya kufumana i-inshurensi emva kokuba unesifo esitsha (umz. isifo seswekile) njengoko ukhula, usenokungafumani ukhuseleko lweso sifo okanye i-inshurensi ingangavunyelwa.
3. Amaxesha Okulinda: Ezinye iipolisi zeinshorensi azigubungeli iimeko ezithile kwiinyanga ezimbalwa zokuqala okanye iminyaka emva kokuba uthathe i-inshorensi. Eli xesha linokuba yingxaki ukuba uthatha i-inshorensi emva kwexesha kwaye ube nemeko engxamisekileyo.
Ngoko ke, eyona nto ingcono onokuyenza kukuqala i-inshurensi uselula kwaye usempilweni, uhlawule iprimiyamu encinci. Lolona tyalo-mali lukhulu onokulwenza kwimpilo yakho yexesha elizayo.
Kwakhona cinga nge-inshurensi enikezelwa ngumsebenzi wakho.
Iinkampani ezininzi zabucala zibonelela abasebenzi bazo nge-inshorensi yamaqela. Yinto entle leyo. Kodwa khumbula, ukuba i-inshorensi idla ngokuphela xa uthatha umhlala-phantsi okanye ushiya inkampani . Kwakhona, abasebenzi bakarhulumente banezicwangciso ze-inshorensi ezifana ne-'Agrahara'. Buza inkampani yakho ngezi zinto. Kodwa kukhuselekile ukucinga ngomhlala-phantsi kwaye ube ne-inshorensi yakho yobuqu ukongeza koku.
Ukuba unemibuzo engaphezulu malunga noku, thetha nomcebisi weinshorensi othembekileyo. Nangona kunjalo, ukuba uneengxaki zempilo malunga nokuba ungayifumana na iinshorensi ngenxa yemeko yakho yempilo, kungcono ukuthetha nogqirha wakho wosapho ngayo.
Umyalezo Wokuya Ekhaya
- I-inshurensi yezempilo ayisiyondleko, kodwa lutyalo-mali kwixesha elizayo. Ingakhusela imali oyigcinileyo xa kuvela imeko engxamisekileyo.
- Qala i-inshurensi uselula kwaye usempilweni. Ngale ndlela, ungafumana izibonelelo ezingaphezulu ngeprimiyamu ephantsi.
- Ngaphambi kokuba ukhethe ipolisi yeinshorensi, fumana iinkcukacha kwiinkampani ezahlukeneyo uze uthelekise imali egutyungelweyo, iiprimiyamu, izifo ezigutyungelweyo, kunye nezibhedlele.
- Musa ukufihla nantoni na ngemeko yakho yempilo xa ugcwalisa isicelo se-inshorensi. Ukunyaniseka kuyo yonke into kunokunceda ukuthintela iingxaki xa usenza ibango kwixesha elizayo.
- Nokuba ufumana i-inshurensi ngomsebenzi wakho, kusabalulekile ukuqwalasela i-inshurensi yabucala xa uthatha umhlalaphantsi.
- Thetha nogqirha wakho malunga nazo naziphi na iingxaki zempilo.
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