Personal Inishuwarenzi

Basics to Help You Understand How Insurance Is Work

Kunzwisisa inshurensi kunogona kunge kunonyengera, saka zvakakosha kuti uve nekunzwisisa kushanda kwekugovera kwako uye zvaunoda. Izvi zvinogona kuita musiyano mukuru mumutengo wauchabhadhara, sezvo uchibvumira kuti unzwisise kuti sarudzo yako yehushuwarisi ichadzivirira sei mararamiro ako, zvinhu, uye pfuma yako.

Inishuwarenzi Icho Pamusoro Nekuchengetedza Kwemari uye Kudzivirira Kuzvipira Kwako

Zvinogona kuita sokuti unoda kudzidza mabhuku akawanda uye ruzivo kuti unzwisise inshuwarisi, asi pachikamu chayo, mutemo we inshuwarisi inokosha zvikuru:

Paunenge uine chimwe chinhu chokurasikirwa, uye iwe unoziva kuti haugoni kubhadharira kurasikirwa iwe, inshuwarisi inopa nzira yokuti iwe uchengetedze mari yako, mararamiro ako, nemari yako nekubhadhara mari shoma mwedzi mumwe nomumwe uchichinjana chivimbiso chokuti kana chimwe chinhu chichienda chakaipa, kambani ye inshuwarisi ichave nemashure ako nenzira yemari yekubhadhara mari.

Chii Chinonzi Personal Insurance?

Munhu wega inshuwarisi mitsara ndiyo marudzi einishuwarenzi yaunotenga kukutenga kubva kune njodzi dzinogona kuumba kurasikirwa kwemari kwausingazokwanise kuifunga iwe pachako. Inishuwarenzi yega yega inobatanidza nezvengozi iwe iwe pachako ungatarisana nayo, nekuda kwezviitiko, zvirwere, rufu, kana kukuvara kweimba yako.

Inishuwarenzi Inoshanda Sei?

Paunotenga inishuwarenzi, iwe unowanzobhadhara chikamu chakabvumirana-chiyamuro - kumakambani einishuwarenzi mukutsinhana kwekuchengetedzwa kubva kune njodzi dzakanyorwa. Mukutsinhanisa nemari yepuraimari iwe unobhadhara, vanobvumirana kukubhadhara iwe nekuda kwekurasikirwa, kana mumwe achizoitika. Inishuwarenzi yega yega inobva pachirevo chekuparadzira njodzi yekurashikirwa kwezvemari (yakadai semoto kana kuba, somuenzaniso) pakati pevanhu vakawanda kunoita kuti ngozi igare isingakwanisi kune vose.

Vanhu vazhinji vanobhadhara muchidziviriro kubva pakurasikirwa kuburikidza nehurumende yavo yeupurisi premium. Iko muhomwe inotorwa nekambani ye inshuwarisi uye kana inosvika nguva yekubhadhara kuda, inotora mari kubva "kuunganidza" iyo kuti ibhadhara muiti wepurogiramu.

Munhu Wose Anoda Kutenga Inishuwarenzi Here?

Munhu wose haafaniri kutenga inshuwarisi, asi iyo pfungwa yakanaka kutenga inshuwarisi kana iwe uine dambudziko rakawanda rezvemari kana kuti wekutsinhanisa pamutsara.

Zvichienderana nerudzi rweinishuwarenzi, imwe inshuwarisi inosarudzwa apo imwe inshuwarisi yakafanana nemotokari yemotokari , inogona kuva nezvishoma zvido zvinorongwa nemutemo .

Nei Bhengi Inoda Inishuwarenzi?

Kunyange zvazvo imwe inshuwarisi ingasave inotarisirwa mumutemo, inogona kuva chidimbu chekweretesa kana bhangi kana kambani yekutengesa.

Zvichienderana nerudzi rwe inshuwarisi, unogona "kuva" kutenga inshuwarisi kuitira kuti uwane chikwereti. Inishuwarenzi inowanzotarisirwa kuwana kuwana mari yekutenga kukuru semisha nokuti vanokweretesa vanoda kuve nechokwadi chokuti iwe wakavharwa nezvengozi dzinogona kuita kuti kukosha kwekutsvaga kwekutsvaga kuparare iwe usati waibhadhara.

Kuwana Purogiramu Yakanakisisa paInishuwarenzi

Mutengo waro ndiyo mari yauchabhadhara nekambani yeinishuwarenzi (kazhinji pamwedzi wega wega) mukuchinjana nekudzivirirwa kwemari kunopiwa kwauri nehuturainisi yako.

Kuti udzivise mari yako yepamusoro, chinhu chakanaka chaungaita kana ukasarudza inshuwarisi ndeyokutengesa kumativi ose nemakambani akasiyana, kana kushandisa inshuwarisi broker uyo anogona kukutengera iwe uye kuona iyo kambani yveshuwarisi inogona kukupa mukana wepamusoro we inshuwarisi yako . Kubva pane zvakaitika muzviitiko uye kunyora pasi kwekambani yeinishuwarenzi, iyo mitengo ichasiyana.

Dzimwe makambani emishuwarisi angangodaro avhara mazano ekukwezva maitiro avo evanhu. Nzira yako yakajeka yakafanana sei neupurisi purogiramu ichagadzirisa kuti iwe unhu hwakanaka sei.

Somuenzaniso, kana inshuwarisi inofarira kukwezva vatengi vaduku, vanogona kugadzira mapurogiramu anopa zvikwereti zvevakapedza kudzidza, kana mhuri dzechidiki. Mukuenzanisa, vamwe vatsigiri vanogona kugadzira mapurogiramu anopa zvikwereti zvakakura kune vakwegura, kana nhengo dzehutano hwehutungamiri kana veuto. Hapana nzira yekuziva kunze kwekutengesa nekupoteredza nekuenzanisa.

Unofanira Kuwana Inishuwarenzi Rini?

Iwe unofanirwa kutenga inshuwarheni kune mamiriro ezvinhu apo kurasikirwa kwemari kunopfuura kwaunogona kuwana kubhadhara kana kudzoka kubva nyore.

Kunzwisisa 5 Nhamba Dzakadzika dzeInishuwarenzi Yega

Apo vanhu vazhinji vanofunga nezve inshuwarisi yega, ivo vanofunga nezveimwe yezvikamu 5 zvikuru, pakati pevamwe:

1. Residential inshuwarisi, yakadai seimba yomshuwarenzi, condo kana coop inshuwarisi, renter inshuwarisi.
2. Car inshuwarheni , nemamwe inshuwarisi yemotokari seyando motokari, motokari, uye mopeds.
3. Bhushuwalhu yemahombekombe , iyo inogona kuvharwa pasi pemishonga yveshuwarenzi mumamwe mamiriro ezvinhu, uye imire yega bhomba inshuwarheni yemidziyo yeimwe chimbichimbi kana urefu husingawanikidzi pasi pemishonga inshuwarisi.

1. Health Insurance , Life Insurance , uye Inhorensi yeUrema
2. Mhosva yeInishuwarenzi

Kunyange zvazvo zvikamu zvose izvi zvikafukidza zvaunogona kuongorora inshuwarisi yako pachako, iwe haugoni kuitora zvose kubva kune mumwe munhu. Inishuwarenzi inoda malayisensi uye inogoverwa muzvikamu. Izvi zvinoreva kuti mumwe munhu asati agamuchirwa kukutengesa iwe inshuwarisi, kana kukupa iwe inshuwarisi mazano pamusoro peinishuwarenzi yako inoda, inofanirwa kubvumirwa nehurumende kuti inomiririra rudzi rwe inshuwarisi yauri kutenga.

Somuenzaniso, imba yako inshuwarisi mutengesi kana mujeri angakuudza kuti haagoni kukupa inshuwarisi yehupenyu kana kuremara, asi angakutumire kune waunoshanda naye ane rekodhi yakakodzera, yakadai seFinner Planner kana Advisor.

Ndeapi Marudzi Akasiyana-siyana eInishuwarenzi?

Inishuwarenzi yepamba inosanganisira zvivako zvepaimba yako, kusanganisira nzvimbo yako yekugara, uye chero zvivako zvepamusoro panzvimbo. Inobatanidzawo zviri mukati mako - nzvimbo inogadziriswa inowanzochengetwa panzvimbo yako yekugara - pamwe nekuwedzera mari yekushandisa uye mutoro.

Renters Inishuwarenzi inosanganisira pfuma yako inogara ichichengetwa muchikwata chako chekubhadhara pamwe nekuwedzera mari yekugara, uye mutoro wega wega panzvimbo uye pasi rose.

Condo kana Co-op Insurance yakafanana nevanotora inshuwarisi, zvisinei nekuwedzera pfuma yenyu, kuwedzera mari yekugara uye mutoro wega wega pasi pose, inosanganisira zvimwe zvinhu zvakanyatsojeka kune weimba, kana zvikamu muimba.

Car Inishuwarenzi, Bhomba Insurance, uye Other Vehicle Inishuwarenzi

Motokari, Bhoti nemamwe inshuwarisi yemotokari inopa zvisarudzo zvakasiyana-siyana mumusoro. Iyo inonyanya kukosha yehutano inshuwarheni, inobata mutoro wako wehu huri hwako kana kushanda kwemotokari kana mudziyo. Zvadaro kune zvimwe zvingasarudzwa zvingabhadharwa, zvakadai sekugoverwa kwekugadzikana kwemuviri kumotokari kana mudziyo pachako, uye zvikamu zvayo. Sarudzo dzekubhadhara kune vamwe, uye maropafadzo ekufa nekuda kwekufa kana kukuvadzwa kunokonzerwa nokushanda kwemotokari inogonawo kusanganiswa sekusarudzo kana kuti inotenderwa zvichienderana nemitemo yemitemo yemhosva yemari kana kuti zvigadzirisheni zvemari inishuwarenzi zvinoda .

Utano, Upenyu uye Indumisiro Youtano

Utano Inishuwarenzi, Inishuwarenzi yehupenyu , Inhorensi yeHumaleta uye Zvikwereti zvakafanana neLure Term Care Care yose inopa kugoverwa kwemari yemari kana kubhadharwa kwehutano, zvirwere kana zviitiko zvine chokuita nehupenyu.

Inishuwarenzi yehutano inosanganisira marudzi akasiyana-siyana emitemo , kubva kuhutano hwehutano huripo, kuwedzera mitemo yehutano yakadai seDental Insurance kana Long Term Care Insurance . Kune huwandu hwakawanda hwehushandi hwehushandi huripo hunoenderana nezvido zvako zvichienderana nerudzi rwekudzivirirwa kwemari iwe unoda , iwe unogona kuverenga zvakawanda nezvekuwana mari yakakwana yehutano inshuwarano mazano pano .

Kunzwisisa Small Printing In Policity Policy

Inishuwarenzi yekuzivisa peji yako inoratidza mitsara inokosha yekugoverwa kwawakawana mumutemo, zvisinei zviri mumashoko ekurayira kuti unoona kuti inshuwarisi yako inoshanda sei mukutora. Vanhu vazhinji havaverengi kudhindwa kuduku muhurumende yavo yerishuwarenzi ndicho chikonzero nei vanhu vachiwanzovhiringidzika uye kuvhiringidzika mumatongerwo enyika.

7 Tsanangudzo Kuti Unzwisise Inishuwarenzi Mitemo nemigariro

Zvinotevera ndezvimwe zvinhu zvinokosha zviri muzvinyorwa zviduku, uye tsanangudzo dzinokubatsira kuti unzwisise kuti nei zvichikosha kwauri.

1. Iyo deductible ndiyo mari yemari yauchabhadhara mumutsara. Anowedzera zvakanyanya kubviswa kwako, iyo ngozi yakawanda yaunotora iwe pachako, uye naizvozvo zvishoma iwe uchabhadhara mu premium. Vamwe vanhu vanoshandisa iyo yakagadziriswa senzira yekuchengetedza mari .
2. Zvisingaiti zvinhu izvo zvisina kuvharwa sechikamu che inshuwarisi yako . Zvinonyanya kukosha kubvunza pamusoro pezvibvumirano pamutemo upi zvaunotenga kuitira kuti kudhindwa kuduku hakushamisi iwe mukutora.
3. Rudzi rwePurogiramu: Makambani eInishuwarenzi anowanzopa mazano akasiyana-siyana ekuparidzirwa Kana iwe ukawana mutengo wakaderera purogiramu yveshuwarisi, ungada kubvunza kuti ndeupi mutemo waunayo kana kuti mireji ekugoverana ndewe uye kuenzanisa nhaurwa idzi kune avo mune mamwe magwaro aunako.
4. Mienzaniso inokosha : Inishuwarenzi mitemo yese ine zvikamu zvimwe zvinorondedzera zviyero zvemari inobhadharwa. Izvi zvinova zvakakosha zvikuru apo uri kuita kudai. Izvi zvinoshanda kumarudzi ose emitemo kubva kunehutano inshuwarheni kuenda kune motokari yveshuwarisi. Bvunza pamusoro pezvipi zvinyorwa zvisingakoshi uye zvinorevei. Iwe unogona kazhinji kukumbira rudzi rwakasiyana rwehutano huchakupa iwe mirefu yakakwirira kana miremu iri mumutemo inokubata iwe.
5. Nguva dzekumirira uye Zvikamu zvakasiyana-siyana: Dzimwe mhando dze inshuwarisi dzinomirira nguva dzisati dzaitika. Somuenzaniso, muinishuwarenzi yezinyore iwe unogona kuva nenguva yekumirira , uye mu inshuwarisi yehupenyu iwe unogona kuzviisa pasi pekuzviuraya . Iyi inongova mienzaniso miviri miviri, asi iwe unogara uchida kubvunza kana kuvhara kunotanga uye kana kune nguva yekumirira kana zvikamu zvakakosha zvingakanganisa kugoverwa kwako apo iwe utenga mutemo mutsva.
6. Kugutsikana kunowedzera-kuenderana nepurogiramu yekuwana huwandu hwekugovera kana mune dzimwe nguva zvibvumirano zvingagadzirisa hurongwa hwekudzikisa kana kuvharira kugoverwa. Dzidza zvakawanda nezvekubvumira kuno.
7. Basis of Claims Settlement inomiririra mazita pasi pekuti kudai kuchabhadharwa. Muchivimbiso chemhuri, somuenzaniso, iwe unogona kuva nemari inoshandiswa, kana kuti chaiyo purogiramu yekukosha kwemari. Nheyo yekutaura kugadzirisa inoita musiyano mukuru wekuti iwe unobhadharwa zvakadini. Zvakakosha kugara uchibvunza kuti zvikwereti zvakabhadharwa sei uye zvinorehwa nehutano hupi.

Ko Inishuwarenzi Makambani Anobhadhara Zvii ?

Mari inounganirwa kubva kumabhadhamiro nekambani yemishuwarenzi inobvumira kambani ye inshuwarisi kuvaka zvinhu kubva pamarikiti yose yakaunganidzwa kuitira kuti kana muiti wepurogiramu kana munhu mumwe nomumwe arasikirwa, pane mari yakakwana yekuvhara kudai.

Unowedzera Mari Yako Kana Usingaiti Inishuwarenzi?

Kana iwe uchibhadhara mu inshuwarisi kwemakore mazhinji, unogona kutanga kushamisika kuti sei wave uchibhadhara zvakanyanya apo iwe usati wambove nekutora. Vamwe vanhu vangave vachinzwa sokuti vanofanira kudzorera mari yavo kana vasina kumbobvunzwa, asi haisi iyo inishuwarenzi inoshanda. Makambani eInishuwarenzi anounganidza mari yako ndokuiisa parutivi yekubhadhara kana pane chirevo.

Muenzaniso weNhamba yeVokutanga neZvakabhadhara Zvikwereti

Fungidzira iwe unobhadhara $ 500 pagore kuti uchengetedze mari yako ye $ 200,000. Makore gumi ekubhadhara inishuwarenzi uye iwe hauna kuita mhaka. Ndiyo madhora mazana mashanu emakore gumi, uye iwe wakabhadhara $ 5,000 kune kambani ye inshuwarisi. Unotanga kushamisika kuti sei uri kubhadhara zvakanyanya pasina. Mugore rechigumi nemana, iwe une mhosva huru . Kambani yeinishuwarenzi inokubhadhara iwe $ 50,000.

Kana kambani ye inshuwarisi ikapa munhu wose mari yavo apo pakange pasina kubvunzwa, vaisazombovaka zvigadziri zvakakwana kuti vabhadhara pane zvikwereti. Kunyange ye $ 5,000 yawakabhadhara makore anopfuura gumi haafaniri kubhadhara $ 50,000 yako kurasikirwa. Kurasikirwa kumwe, uye iwe haubatsiri kumakambani einishuwarenzi, asi uchionga nokuti inshuwarisi yakatangira pakuparadzira njodzi pakati pevanhu vakawanda, ndeye mari yakawanda yevanhu vose vanobhadhara miriyamisi yveshuwarenzi pamwechete iyo inobvumira kambani ye inshuwarisi kuvaka zvinhu uye kuvhara zvikwereti kana zvinoitika.

Chii Chinogadzira Inshuwarisi Ikambani Inofanirwa Kuenda Kumusoro Kana Kuderedza?

Inishuwarenzi ibhizinesi, uye kunyange zvazvo zvingava zvakanaka kune makambani einishuwarenzi kuti ichangobva kusiya mazinga panguva imwe chete nguva dzose, chokwadi ndechokuti sebhizimisi vane basa rekuita mari yakakwana kuti vaone kuti vane mari yekufukidza zvose zvingareva zvingangoita mazano avo vanogona kuita.

Apo kambani yeInishuwarenti inotarisa kuti yakabhadhara zvakadini muzvikwereti pamagumo egore, zvichienderana nehuwandu hwavanounganidza muzvikwereti, ivo vanofanira kuongorora mararamiro avo kuti varambe vachibhadhara. Kunyoresa kuchinja uye kuwedzera kunowedzera kana dzimwe nguva kunyange kuderera kunokonzerwa nemigumisiro chaiye iyo kambani yeinishuwarenzi yaiva nemakore akapfuura.

Agent, Agent Captive, uye Insurance Brokers

Mutsara wepamberi vanhu vamunotarisana nawo paunenge uchitenga inshuwarisi yako iyo vashandi nevatengi vanomiririra kambani ye inshuwarisi. Vachakumirira kune kambani yerishuwarenzi uyewo kutsanangura zvinyorwa uye zvigadzirwa zvavaripo.

Zvichienderana nekambani yekambani yehushuwarenzi iwe unotenga inshuwalisi kubva, unogona kunge uri kutarisana nemumwe mutapi wenhapwa kana mumiririri weu inshuwarisi anokwanisa kumira makambani emishonga inshuwarisi.

Chii Chisiyana Pakati peMumiririri Akabatwa muInishuwarenzi uye Broker kana Independent kana Asing-Captive Agent?

Mutapwa ndiye mureza we inshuwarisi uyo anongomiririra imwe kambani yveshuwarenzi. Vaya vanoziva neyekambani yemishandisi yechushuwarisi kana zvipo, asi havagoni kutaura kune mamwe makambani emishandisi ye inshuwarisi, mutengo kana zvinopiwa zvemiti.

Inishuwarenzi Broker, Independent kana kuti isina nhapwa vashandi inogona kutarisana nekambani dzemakambani emishurenzi panzvimbo yenyu. Vachave nekwaniso yekambani ye inshuwarisi yepamusoro uye inofanira kunge ichiziva nehuwandu hwezvigadzirwa zvinopiwa kubva kumakambani akasiyana-siyana zvavanomirira.

Nzira Yokugadzirisa Ipi Inishuwarenzi Inoshandiswa Iwe Unoda

Pane mibvunzo mishoma mikuru yaunogona kuzvibvunza iwe iyo inogona kukubatsira kusarudza kuti ndeupi rudzi rwehupfumi hunodiwa iwe.

• Ingozi yakawanda kana kurasikirwa kwemari iwe unogona kufunga iwe pachako?
• Iwe une mari yekuvhara mari yako kana madhora kana iwe uine njodzi kana imba yako kana motokari yaparadzwa?
• Iwe une mari yekuchengetedza iwe here kana iwe usingakwanisi kushanda nekuda kwengozi kana kurwara?
• Unogona here kubhadhara mari yakakwirira kuti udzikise mari yako yveshuwarisi?
• Iwe une zvaunoda here kana zvaunofunga muhupenyu hwako hwega iwe zvaungada kuve nechokwadi kuti iwe une kuchengetedzwa kwemari?
• Chii chaunonyanya kunetseka nazvo? Inishuwarenzi inogona kuenzaniswa nezvido zvako uye kuziva kuti chii chaunonyanya kunetseka pamusoro pokudzivirira, izvo zvingakubatsira kuderedza rudzi rwe inshuwarisi iwe unoda uye kuderedza mari yako.

Kusarudza Inishuwarenzi Kubva Mumararamiro Ako Mazuva Ano uye Upenyu-Hwende

Inishuwarenzi yaunoda ichasiyana ichaenderana nokuti uri kupi muupenyu hwako, rudzi rwezvinhu zvaunazvo, uye zvinangwa zvako ndezvipi kwenguva refu nemitoro. Ndosaka zvakakosha kutora nguva yekukurukura zvaunoda kubva kune inshuwarisi nemumiririri wako. Kutsvaga mishonga yemishuwarenzi yakarurama inoumba chikamu chakanaka chemazano ezvemari achakuchengetedza uye kukubatsira iwe kuramba uchizvimiririra mune zvemari kunyange kana uine kurasikirwa kwemari.