Chii Chinonzi Premium Insurance?
Mumashoko ari nyore kwazvo, premium yerurimi inotsanangurwa sehuwandu yemari iyo kambani yeinishuwarenzi ichakubhadhara iwe yeinishuwarenzi yauri kutenga.
Iko rinotambirwa neinishuwarenzi ndiro mari ye inshuwarisi yako.
Inishuwarenzi Zvikomborero zvinowanzova nehuwandu hwekuverenga, uye zvinobva pauri ruzivo rwako pachako, nzvimbo uye imwe kambani yakagadzirirwa ruzivo, ichava nezvikwereti zvinowedzerwa mubhadharo yepasi, kuitira kuti uwane mari yakasarudzwa, kana kuti inowanzokwikwidzana kana inodhura mari yepuriyamisi inobva pa ruzivo, rwandinotsanangura muchidimbu muzvinhu zvina zvinotarisa premium iri pasi apa.
Imari yepurigisi dzimwe nguva inobhadharwa gore negore, semasikati-gore kana makambani akawanda mazuva ano, kubvumira kubhadhara kwemwedzi wepamu. Kana kambani ye inshuwarisi ikasarudza kuti inoda premium yerurimi mberi, inogona kudikanwa zvakare. Izvi ndizvo zvinowanzoitika kana munhu aine inshuwarisi yavo yakabhadharwa pasina kubhadhara munguva yakapfuura.
Iko kutanga kwacho ndicho chikonzero che "inshuwalisi yako". Imari yehushuhu inogona kuve yakabhadharwa, kana mari yebasa dzimwe nguva inogona kuwedzerwa kwairi zvichienderana nemitemo yemishuwarenzi yemo, uye mupi wekontrakiti yako.
Sangano reNational Association of Insurance Commissioner's Guidelines, kana ehofisi yako yeUnited Insurance Commissioners inogona kukupa mamwe mashoko pamusoro pemitemo yako yepanyika kana iwe ukakabhadhara mari kana zvikwereti pamutengo wako.
Chero zvikwereti zviri pamusoro uye zvinopfuura mari yehurongwa haisi yepamusoro.
Zvimwe zvinowanikwa zvinogona kuwedzerwa, somuenzaniso, apo kambani inokwereta mari yekubhadhara mari.
Iko mari yepamusoro haisi yepayumu, iyo inowanzorondedzerwa zvakasiyana kana iwe wakatarisa kudhipatimendi yako yenyaya.
Mari yeInishuwarenzi yakawanda sei?
Imari yeinishuwarenzi ichave yakadhura uye inodhura inogona kusiyana zvichienderana nerudzi rwekuparidzira kwauri kutsvaga, uyewo pangozi.
Ichi ndicho chikonzero chiri nguva dzose pfungwa yakanaka yekutenga inshuwarisi kana kushanda nemudzidzisi weinishuwarenzi anogona kutenga mapeamisi nemakambani akawanda emishurenzi kwauri.
Vanhu pavanotengesa kune inshuwarisi, vanogona kuwana zvikwereti zvakasiyana zvakabhadhara mari yeinishuwarenzi yavo nemakambani einishuwarenzi akasiyana-siyana uye kuchengetedza mari yakawanda pamishandiro emishuwarisi, nekutsvaga kambani inonyanya kufarira "kunyora ngozi".
Ndezvipi Zvikonzero Zvokutsigira Premium?
Imari yehushuwarisi kazhinji inowanzogadziriswa ne 4 zvikonzero zvinokosha:
1. Mhando yeChirungu cheKutikiti inobata zvikwereti zveInishuwarenzi
Makambani eInishuwarenzi anopa maitiro akasiyana apo iwe unotenga inshuwarisi. Kunyanya kugoverwa kwaunowana, kana kuparidzirwa kwakanyanyisa kwaunosarudza, yakakwirira yako premium insumisi inogona kuva. Somuenzaniso, paunotarisa pamishandirapamu yemishonga yemishonga yemhuri , kana iwe uchitenga matambudziko akazaruka kana kuti mishonga yemishonga yemishandiro yemishonga yemishonga yemhuri, ichave yakadhura kupfuura iyo inonzi yakaipisisa inshuwarisi yemhuri iyo inongogadzirisa zvidzidzo.
2. Nhamba yeBhuku reKubata Inobata Sei Mari yako yeInishuwarenzi Imari
Pasinei nokuti uri kutenga inshuwarisi yehupenyu, motokari yveshuwarisi, inshuwarisi yehutano, kana imwe yveshuwarisi iwe uchagara uchibhadhara premium (mari yakawanda) yepamusoro yehuwandu hwekugovera.
Izvi zvinogona kushanda nenzira mbiri, nzira yekutanga yakarurama zvakananga, nzira yechipiri yakanyanya kunyanya kuoma, asi nzira yakanaka yekuchengetedza pamishonga yako yveshuwarisi:
- Nhamba yako yekugoverwa inogona kuchinjwa nehuwandu hwemadhora iwe unoda pane zvauri kuisa. Somuenzaniso, kuvimbisa imba ye $ 250,000 zvichave zvakasiyana nekusimbisa imba pa $ 500,000. Zvakanaka zvakananga: iyo inowedzera mari yaunoda kuisa iyo inodhura iyo premium ichava
- Iwe unogona kubhadhara mari shoma yehuwandu hwehuwandu hwekugovera kana iwe wakatora purogiramu ine ductible yakakwirira. Munyaya yehutano inshuwarisi kana kuti supplemental utano hwehutano, haugoni kungotora zvinodhura zvakanyanya, asi tarisa mazano ane zvingasarudzwa zvakasiyana sekukwirirana kwemari , kana kwenguva yakareba kumirira nguva .
3. Mashoko Evanhu Pamwe Chete yeInishuwarenzi Inobvunza
Yveshu yako yveshuwarisi, kwaunogara, uye zvimwe zviitiko zvehupenyu hwako zvinoshandiswa sechikamu chekuverenga kuti uone iyo yeruzhinji yeupurisi inotengeswa. Kambani yese yehushuwarenzi ichashandisa zvakasiyana-siyana zvidzidzo.
Mamwe makambani anoshandisa inshuwarisi zvidzidzo zvinogona kugadziriswa nehuzhinji humwe zvinhu, kubva pane chikwereti kusvika kune ngozi yemotokari kana munhoroondo yezvakataurwa nevamwe uye kunyange basa. Izvi zvinhu zvinowanzoshandura muzvikwereti pane premium inshumo yehurumende.
Nokuda kwehutano inshuwarhu kana inshuwarisi yehupenyu, zvimwe zvipingamupinyi zvinokonzerwa nemunhu anenge ari inshupu zvichashandiswawo zvakare.
Makambani eInishuwarenzi anotarisa vatengi, sekunge chero bhizimusi chero ripi zvaro Kuti uwane kukwikwidzana, makambani einishuwarenzi achagadzirisa kuti chii chimiro chevashandi chavanoda kukukwezva uye kugadzira mapurogiramu kana kukodhidza kuitira kubatsira vanotora vavanotarisira. Somuenzaniso, imwe kambani yveshuwarenzi inogona kusarudza kuti inoda kukwegura vakwegura kana kuti vashandirwi sevashandi, apo mumwe munhu achatengesa mishonga yavo yekukwevera mhuri duku kana mazana emakore.
4. Kupikisana muInishuwarenzi uye Target Area
Kana kambani ye inshuwarisi inosarudza kuti vanoda kutsvaga nechisimba chikamu chemashamba, vanogona kusiyanisa mitero yekukwezva bhizimisi idzva. Ichi ndicho chiitiko chinonakidza chepayimusi yehushandiro nokuti inogona kuchinja zvakanyanya mitengo pane zvenguva pfupi, kana zvimwe zvigaro zvisingagumi kana kambani yveshuwarenzi iri kubudirira uye kuwana migumisiro yakanaka mumusika.
Ndiani anosarudza Inishuwarenzi Premium
Kambani yese yehushuwarenzi ine vanhu vanoshanda munzvimbo dzakasiyana-siyana dzekuongororwa kwekukuvadza.
Actuaries, somuenzaniso, shandira kambani yemishuwarenzi kuti uone:
- mukana wekuisa panjodzi nematambudziko
- iyo mari inobatanidzwa nechiitiko chenjodzi, kana kuti kuda uye ipapo, zviitiko zvekugadzirisa zvinotanga kuumba mazano uye mazano anobva pane iyi ruzivo
Kushandisa zviyero, nyanzvi dzinoona kuti mari yakawanda ichabatanidzwa sei pakubhadhara zvikwereti uyewo mari yakawanda iyo kambani yeinishuwarenzi inofanira kuunganidza kuitira kuti ave nechokwadi chokuti vanoita mari yakakwana yokubhadhara zvingaita uye vanoitawo mari.
Idzidziso kubva kune vanoona zviripo inobatsira kunyora pasi pasi. Underwriters vanopiwa mazano ekunyora pasi njodzi, chikamu cheizvi chiri kutarisa premium.
Kambani yeInishuwarenzi inosarudza mari yakawanda yavanobhadhara nokuda kwebvumirano yeinishuwarenzi yavakutengesa iwe.
Ko Inishuwarenzi Inobata Sei NeInishuwarensi?
Kambani yeInishuwarenzi inofanira kutora mari yepurayamisi kubva kune vakawanda uye ivai nechokwadi kuti vanochengetedza zvakakwana mari iyoyo mune imwe mvura kuitira kuti vakwanise kubhadhara zvirevo zvevashoma. Kambani yeInishuwarenzi inotora premium yako uye inoiisa parutivi, ichiita kuti ikure gore negore iwe hauna mhosva. Kana kambani ye inshuwarisi ichitsvaga mari yakawanda zvakare izvo zvavaripa mukutora mari, kushandiswa kwemari uye zvimwe zvinoshandiswa, zvichave zvinobatsira.
Nei Mahombekisi EInishurenzi Achienda Kumusoro Uye Achidzika?
Mumakore anobatsira, kambani yeInishuwarenzi ingasafanira kuwedzera mari yemishuwarenzi. Mumakore mashoma asingabatsiri, kana kambani yeInishuwarensi inotsigira mamwe maitiro uye kurasikirwa kupfuura zvakatarwa ipapo vangangodaro vaongorore maitiro avo emishonga yveshuwarisi uye vanoongorora zvakare zvinhu zvinokuvadza mune zvavari kusimudzira. Mumamiriro ezvinhu akadai, mapurisa anogona kukwira.
Mienzaniso yeInishuwarensi Premium Kuchinja uye Kuwedzera Kunowedzera
Wati wambotaura kune shamwari yako inshuwarisi ine kambani ye inshuwarisi uye wakavanzwa vachitaura kuti zviyero zvakakura zvavanazvo, zvino vakazvienzanisa nezvakaitika iwe pachako nemitengo yekambani imwe uye yakaita kuti yakasiyana zvachose? Izvi zvinogona kuitika zvichibva pane zvakasiyana-siyana zvemunhu, zvikwereti, kana nzvimbo dzekugara, uyewo kukwikwidzana kana kurasikirwa kwechiitiko chekambani ye inshuwarisi.
Semuenzaniso, kana kambani ye inshuwarisi inoona nezvekushandura imwe nzvimbo gore rimwe chete uye ichitsva ine dambudziko risina ngozi uye inongokubhadhara mari shoma shoma gore iroro, asi panguva yekupera kwegore vanoona kuwedzera kwekuparwa, dambudziko guru , kurasikirwa kukuru kana kubhadhara zvikwereti nokuda kwezvikonzero zvisingatarisirwi, zvinogona kuita kuti vaongorore mhinduro dzavo uye vashandure premium iyo ichabhadhara panzvimbo iyo mugore idzva.
Nharaunda iyo ingangozoona kuwedzera kwekuwedzera zvichiguma. Kambani yeInishuwarenzi inofanira kuita izvi kuti ibude mubhizimisi. Vanhu vari munharaunda iyoyo vanogona kutengesa ipapo, uye kuenda pane imwe nzvimbo. Nekutengesa kwemaimarikoni munzvimbo iyoyo yakakwirira kudarika kare, vanhu vanogona kuchinja kambani yveshuwarenzi. Sezvo kambani ye inshuwarisi inorasikirwa nevatengi munharaunda iyo vasingatsvengi kubhadhara mari yavanoda kubhadhara pane zvavanenge vakafunga sehutengo, kubatsirwa kwavo kana kurasikirwa kwayo kunogona kuderera uye izvi zvakanaka kune bhizinesi kwekambani ye inshuwarisi uye nevasara vanenge vasara ivo vanovimbisa, sezvo mari yezvitadzo inopararira pamusoro pevashandi vakawanda vane.
Zvishomanana zvinodhura uye kukodzera kwepayimusi yepamusoro yezvipikisi zvinobvumira kambani ye inshuwarisi kuchengetedza mari yakakodzera kune vavanotsvaga.
Nzira Yokuwana Nayo Pasi Inishuwarenzi Premium
Nenzira yekuwana premium insurance premium iri kuwana kambani yeinishuwarenzi inonyanya kufarira kukusimudzira.
Apo kambani ye inshuwarisi inokwira ichikwirira zvikuru kamwe kamwe, nguva dzose inokosha kubvunza mumiririri wako kana kune chero chinhu chinogona kuitwa kuderedza premium.
Kana kambani ye inshuwarisi isingadi kuchinja premium iri kukuridzira iwe, uye hainzwi sezvine musoro kwauri, saka kutengesa kunogona kukuwana iwe mutengo uri nani kana pane imwe kambani yveshuwarisi iyo inonyanya kufarira mukukwikwidza kwebhizimisi rako. Kutenga kunotenderera kuchapawo kunzwisisa kwakanakisisa kwevhareji mari yehushuga yehutano hwako.
Kumbira mumiririri wako wehushuwarisi kana unyanzvi wehushuwarenzi kuti utsanangure zvikonzero nei iwe mubayiro wako uchiwedzera uye kana pane mikana yekuwana zvikwereti kana kuderedza mari yehushandi yemari yekubhadhara ichakubatsirawo kunzwisisa kana iwe uri munzvimbo yekuwana mutengo uri nani uye ungaita sei saka.