Zvose zvemashoko akapedzwa mumatanho maviri ehutano hwehutano inshupheni yekuongorora, pamwe chete nehuwandu hwemashoko ehupenyu kwenguva refu uye ruzivo rwehushandi hwehushandi hwehupenyu hunoshandiswa kuziva kana iwe uchizogamuchirwa nekuda kwe inshuwarisi yehupenyu hwako kana kwete, uye chii icho purogiramu yegore negore ichave.
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Mitsara miviri yeThe Life Insurance Insurance Medical
Kuongororwa kwechiremba ye inshuwarisi yehupenyu kazhinji kunosanganisira zvikamu zviviri:
- Mhinduro yemashoko apo chiremba wezvechiremba achakubvunza mutsara wemibvunzo
- Mhemberero uye zvinyorwa zvitsva zvitsva. Penguva yekuongororwa kweinishuwarenzi yehutano yezvokurapa iwe unogona kudiwa kuti upe sampu yemuguta uye / kana ropa. Aya maedzo ari nyore zvokuti anokwanisa kazhinji kuitika mumba mako. Iwe unofanirwa kuziviswa mberi newaini yako inshuwarisi yehupenyu kana mutengesi izvo zvipi zvavanoedza kuita.
Kwaunogona Kuwana Inishuwarenzi yeUpenyu yeUnited Medical Exam
Muzviitiko zvizhinji, haufaniri kuenda kuchipatara kana kuchipatara chekuongorora kwehutano hwemishuwarenzi yehupenyu. Muongorori wehutano hwehutano hwehutano hunowanzoitwa kumba. Chiremba wezvechiremba uyo achauya uye ozoedza kuunza chikwata navo kuti vatore samples kubva kwamuri.
Inguva Yakareba Sei Upenyu HweInishuwarenzi Yezvokuvhipwa Kunotora
Zvinotora anenge maminitsi makumi maviri kuti uongorororere nhoroondo yako yezvechiremba nemashoko nemumiririri uyo achauya kuzoita kuongorora.
Zvadaro zvinotora maminetsi mashomanana chete kutora samples.
Chikonzero nei Inishuwarenzi yehupenyu MaInternet Anoda Chiremba Kuongorora
Pane zvikonzero zvitatu zvinokonzera kuti mapurisa ehushandisi ehupenyu anotarisa mishonga yekurapa
- Kuchengetedza ruzivo rwakatanga kutumirwa kune kambani muhushuwarisi yehupenyu hwako
- Kutora nhoroondo yakazara yezvechiremba yeavo vanoita. Mibvunzo yehutano hwemishuwarenzi yehutano yekuongorora inowedzera zvakadzama munhoroondo yako yezvokurapa uye nhengo dzemhuri yako. Kana kambani ichitsvaga iwe ungangodaro uchiri muduku, ivo vachada kutora mari yakakwirira yepamusoro; kana vachifunga kuti muchararama kwenguva yakareba ivo vangave vasingadi kuunganidza zvakawanda kubva kwauri pakutanga kwehupenyu hwako nokuti vangasarudza kuti iwe uchava nguva yakareba kuti uenderere mberi nekubhadhara mari yako.
- Kutarisa chero humwe hutano hwehutano. Mishonga yakadai sechirwere cheshuga, kusawirirana mubasa reropa, kana kuti hutachiwana uyo anenge asina kuve achida kuziva kana kuti asina kuzivisa. Uyewo kuti uone kuti kushandisa zvinodhaka kana nicotine. Izvo ruzivo kubva kuongororo yezvokurapa huchafananidzwa nekurwisana nemigumisiro yechiratidzo.
Ipi Inhu Inishuwarenzi yeUpenyu Inoshandisa Kuongorora Kuti Munhu Achange Achirarama kwenguva yakareba sei
Mirefu emakore yakawanda ndiyo nhamba pamusoro pekufa kwehuwandu hwevanhu uye inoshandiswa nekambisi yemishuwarenzi yehupenyu. Makore emakore akawanda anopa kambani yeInishuwarenzi nhamba yehuwandu hwehuwandu hwevanhu vangani varume, vakadzi, uye vana vanofa pamakore akasiyana-siyana. Idzi ruzivo runogona kubatsira kambani yeinishuwarenzi kuti ione dambudziko ravari kutora. Semuenzaniso, taura kuti kurarama kwenguva yakareba kunoratidza kuti varume vane makore makumi maviri nemaviri vanofa kazhinji kupfuura vakadzi pazera remakore makumi maviri nemashanu, kubva pane izvi nhamba yekambani yeinishuwarenzi iri kutora ngozi yakawanda nekusimbisa murume kupfuura mukadzi.
Marudzi eMibvunzo Yakabvunzwa Munguva yeUpenyu hweInishuwarenzi yeChechi yeUniyo
- Nhoroondo yako yezvechiremba kusanganisira chero zvirwere, mishonga, mitemo yawakave nayo, kana mitemo. Iwe uchabvunzwa mutsva yemibvunzo kuti uone kuti hauna kukangamwa kutaura chimwe chinhu uye kukupa mukana wekuzarura nhoroondo yako yakazara.
- Nhoroondo yezvechiremba yemhuri yako
- Zita, kero, nhare yefoni kune chiremba wako mukuru pamwe chete nevamwe vanachiremba vamakashanyira mumakore mashomanana apfuura nokuda kwekunyanya kuongorora kana mamiriro ekurapa. Ita zvose izvi zvakasangana nazvo zvisingabatsiri.
- Maitiro ehupenyu hwakafanana nekuputa, kunwa, kushandiswa kwekushandisa zvinodhaka nekushandisa
- Inishuwarenzi yehupenyu hupi iwe unofarira kutenga
- Kana iwe uchitambura kubva kune chero mamiriro ezvinhu akadai sekuora mwoyo kana kufunganya uye kana wakagara muchipatara kune chero mamiriro ezvinhu iwe unoti une.
Nzira Dzakatarisira Muupenyu HweInishuwarenzi Yezvokurapa
- Kuyera kwehuremu hwako nekukwirira
- Kuyera kwehutano hwemopa uye kupisa
- Ropa basa (kutarisa zvinhu zvakadai sekushuterol, glucose, mapuroteni, uye HIV)
- Urinalysis (kutarisa zvinhu zvakadai seHIV, mapuroteni, glucose, creatinine, uye cocaine)
Chii Chinoitika Pashure Peupenyu HweInishuwarenzi Yezvokurapa
Mushure mokunge uchitarisa kurapwa kwekambani yako yekambani yeinishuwarenzi ichadzokorora zvigadziriswe kuti uone kana iwe usingagoni kuregererwa uye chii chauchazobhadhara iwe.
Inguva Yakareba Ipi Inotora Kuti Iwane Migumisiro yeUpenyu HweInishuwarenzi yeChechi yekuongorora
Nguva yekugadzirisa zvakakwana ruzivo iyi inogona kutora mwedzi mishomanana.
Apo Upenyu HweInishuwarenzi Inotanga Kutanga Pashure Pokuongorora Chiremba
Zvichienderana nekambani yeinishuwarenzi, kutanga kwekuparidzira kunogona kusiyana, kambani imwe yehupfisi yehupfumi inoshanda nemitemo yakasiyana. Kunyange zvakadaro, makambani ehushandi yemishuwarenzi ehupenyu anotanga kugoverwa kubva panguva yaunyorera kushandiswa kwepakutanga kwe inshuwarisi. Muzviitiko izvi, kana mashoko ose achiongorora kubva pakushandisa kwako kwepakutanga uye ruzivo rwakakonzerwa panguva yekuongorora, iwe ungadai uri inshuwarisi panguva yaunotora kuwana zvigumisiro zvose.
Kana iwe wakabhadhara yako premium yeruzhinji panguva yawakaita sarudzo yako yehushuwarisi ipapo kugoverwa kunogona kutanga pazuva rawakanyorera sangano rakapiwa zvose rinoongorora, sezvakatsanangurwa pamusoro apa. Kana iwe usina kubhadhara mubayiro kana waisa svondo, iwe unogona kuva nemhando yehurongwa apo kugoverwa kunotanga mushure mokunge wagamuchirwa.
Mumiririri wehushandi yemishandiro yehupenyu ndiye munhu akakodzera kuti asimbise mashoko aya kwauri uye kazhinji achakutsanangurira izvi iwe paunoshandisa. Ramba uchifunga kuti inshuwarisi yehupenyu inewo mukana wekubvumirana unovabvumira kuramba inshuwarano yehupenyu hwezvikonzero zvakasiyana-siyana mumakore maviri ekutanga emutemo chero upi zvake, ita nechokwadi chokuti unonzwisisa mazwi ako ekuvhara uye iwe paunomirira kuti iwe uchasimbisa kuti mutemo wakabviswa.
Chii Chinoitika Kana Iwe Uchikundikana Upenyu HweInishuwarenzi yeChirwere chekuongorora
Kana ruzivo rwawakatumira pachigadziro chepakutanga harufananidzi nheyo yakabatwa panguva yekuongororwa kwechiremba, ipapo iwe unogona kurambwa, kana iwe ungagamuchira chikumbiro chekuwedzerwa kuwedzerwa. Ngwarira nokuti inshuwarisi yehupenyu hwako ingasave yakashanda semugumisiro wekuchinja kwemamiriro ezvinhu.
Kana iwe wakakundikana kuongororwa kwechiremba kana kunzwa chimwe chinhu pane kurapwa kwechiremba kwakanga kusina kururama iwe uchada kubvunza kambani yveshuwarensi kuti utumire kopi yemigumisiro yako yekuongororwa kwechiremba kwauri kana chiremba wako. Nenzira iyi kana iwe ukakundikana nokuti une dambudziko rehutano unogona kutarisana naro nechiremba wako, asi kana wakakundikana nekuda kwekanganiso nekambani ye inshuwarisi iwe uye chiremba wako unokwanisa kugadzirisa mamiriro ako pakarepo kuitira kuti mhinduro dzako dzisina kururama dzirege kuramba dziri pahutano hwako kunyora uye kukurambidza iwe kuti usarambwa kune imwe inshuwarisi.
Kana Iwe Ukafa Usati Wabuda Muchengetedzo Yezvokurapa Uripo
Izvi zvakatemerwa pane imwe nyaya nemhosva, asi semutemo wega kana iwe ungadai wakagamuchirwa uye mutemo wekutanga unotanga panguva yekushandiswa, ipapo pane mukanano wakanaka uyo anowana mupiro achawana mubhadharo. Zvisinei, kana iwe ungadai wakarambidzwa nekuda kwechikonzero chipi nechipi, saka mutemo ungadai usingafungidzirwe wakabudiswa uye naizvozvo muwani wako haaizobhadharwa.
Kana pane chirevo chiri munzvimbo yakadai sekupa kuzviuraya , somuenzaniso, kana chimwe chikamu chisingatauri kugoverwa kwechikonzero chekufa, saka mutemo hauzobhadhara. Iyi ndeimwe yezvidzidzo zvekukurukurirana nemuimiriri wemuishuwarisi wehupenyu hwako kuti uve nechokwadi kuti unonzwisisa mitsara chaiyo yemutemo wawakanyorera. Kambani yveshuwarisi yehupenyu yega yega ine mitemo nemitemo yavo, pamwe chete nemutemo unobudirira zuva.
Upenyu Hwakasiyana-siyana Inishuwarenzi Ikambani Inosarudza Paunopera Kuongorora Chiremba
Kana iwe wakakundikana chirongwa chemishonga yveshuwarenzi yehupenyu uye wakaramba kuparidzirwa, unofanirwa kuonana ne inshuwarisi yehupenyu uyo anokwanisa kuwana michina yakawanda yema inshuwarisi yehupenyu nemakambani. Mumwe mutengesi anogona kukuwana iwe kugoverwa.
Iwe unofanirwawo kuziva kana wako waunoshandira angakupa iwe chirevo. Kazhinji vashandi vanobhadharwa inshurensi yehupenyu husina matanho ekurapa. Sezvo imwe kambani yveshuwarenzi yehupenyu inoramba kutsigira iwe, hazvirevi kuti vose vachazviita. Tsvaga zvinhu zvose kubva kune unyanzvi yemishandiro yveshuwarenzi yehupenyu kana kuti taura nehurumende yehushuwarisi ehofisi ehofisi kuti uwane ruzivo rukuru kuti uwane inshuwarisi yehupenyu hwehutano hwezvaunoda.