Ukuba ufumana urhulumente uncedo lokuhlawula iiprimiyamu zakho ze-inshorensi yezempilo, kukho umhlathi kwi- Care Affordable Act onokubangela iingxaki ezinkulu emva kwe-Epreli 15. Ukuba awuyinyamekisi, unokufuneka uhlawule inxalenye okanye yonke yakho premium yomshuwalense wezempilo uncediso xa ufaka irhafu yakho. Nantsi indlela esebenza ngayo kunye nento ofuna ukuyifumana.
Inkxaso-mali isekelwe kwingeniso eqikelelweyo ayiyiyo yonke imali engenayo
Imali yenkxaso-mali ye-inshorensi yempilo yerhafu ye- premium oye wanikezelwa isekelwe kwingqiqo yengeniso yakho yonyaka ofumana inkxaso-mali.
Ukuba uqikelelo luhambelana nento oyenzayo ngokwenene, awuyi kuba neengxaki.
Kodwa, ukuba ufumana ukuphakanyiswa, ibhonasi, okanye ingeniso yakho iyahlukahluka unyaka nonyaka, unokungaphantsi kwimivuzo yakho. Ukuba uyayinyamekela ingeniso yakho, uza kufumana inkxaso-mali engaphezulu kwe-inshurensi yempilo kunokuba kufuneka ufumane.
Ukukhetha iOption Advanced Payment Ukwandisa Umngcipheko Wakho
Njengoko igama layo libonisa, incediso ye-inshurensi ye-yerhafu ye-premium yerhafu yerhafu; uzukiswe kuwe xa ufaka irhafu yakho emva konyaka.
Nangona kunjalo, kuba kunzima ukuhlawula i-premium yakho ye-inshorensi yempilo kule nyanga usebenzisa iimali ongayi kuzifumana kude kube ngumhla wama-15 ku-Apreli ozayo, uMthetho ojongene noNonophelo ongenakunceda uvumele i-credit card ukuba ihlawulwe kwangaphambili. Ukuba ukhetha ukukhethwa kwentlawulo ephakamileyo, imali yesibonelelo ithunyelwa ngqo kwinkampani yakho yomshuwalense yenyanga yenyanga. Oku kunciphisa i-premium yenyanga oyihlawulayo yinshuwalense yezempilo.
Awunelanga ukulinda kude kube ngu-Aprili 15 ozayo; Inketho ephakamileyo yokukhokha inceda ukufumana i-inshorensi yempilo ngoku.
Ngenxa yokuba bafuna imali yenkxaso-mali ukuze bancede benze iintlawulo ze-inshorensi yabo yenyanga, abaninzi abantu bathabatha inkxaso-mali yabo yinshorensi yempilo njengentlawulo engaphambili. Nangona kunjalo, kunye nenketho ephakamileyo yokuhlawula, ukuba uyayithatha ingeniso yakho kwingeniso yakho yesibonelelo, ubeka ingozi ekufumaneni inkxaso-mali yonyaka wonke ngokusekelwe kwingqikelelo yengeniso engalunganga.
Unokufumana imali engaphezulu yenkxaso-mali kunokuba ufanele ufumane.
Unokuba Ufanele Uhlawule Inkonzo Yomshuwalense Wezempilo
Xa ufumene inkxaso-mali ye-inshorensi yeentlawulo zentlawulo ye-premium, inxalenye yokulungiselela ukubuyiswa kwerhafu yengxowa yakho yinkqubo ebizwa ngokuthi ukuxolelana . Kule nkqubo, uthelekisa inani lemali yenkxaso karhulumente ngokuqinisekileyo uyihlawule inkampani yakho yomshuwalense yemali kunye nemali ekufuneka ihlawulwe ngokusekelwe kwinzuzo yakho yangempela yonyaka. Ukuba ezo zimbini zihlukeneyo, uya "kuxolelanisa" xa ufaka irhafu yakho.
Ukuba uhlawule umvuzo wakho kunyaka, ke inkxaso-mali urhulumente ahlawulwe kwangaphambili ukuba umshurensi wakho ube mncinci kunokuba bekufanele ukuba. Akukho nzakalo; akukho ngcola.Umahluko uza kudibaniswa kwimbuyekezo yakho yentela okanye uza kunciphisa inani leerhafu omele.
Ukuba unqabile ingeniso yakho yonyaka, ke inkxaso-mali urhulumente ahlawulwe kwangaphambili ukuba wakho umshwalense wawungaphezulu kunokuba bekufanele ukuba. Uya kufuneka ulungelelanise oko ngokuhlawula umlinganiselo xa ufaka iirhafu zakho. Ukuba le yi-$ 15, mhlawumbi akunjalo enkulu kumsebenzi. Kodwa, ukuba i-$ 1,500 kwaye kufuneka ufike ngokungalindelekanga ngo-Apreli 15 th , yinto enkulu kakhulu.
Okubi nakakhulu, ukuba ingeniso yakho ingenayo i-dollar enye ngaphezu komda we-cutoff wokufumana inkxaso-mali ye-inshorensi ye-inshorensi ye-premium, uza kufuneka uyihlawule yonke imali yenkxaso-mali xa ufaka irhafu yakho.
Oku kungabakho amawaka eedola ukuba ngaba ungayithobeli iholo lakho okanye ukuba uhlala kwindawo ye-premium yomshuwalense wezempilo. Ekubeni ungeke ufumane inkxaso-mali ye-inshorensi yempilo xa uhamba ngemali, ukuza kunye namawaka eedola ngokungalindelekanga kuya kuphazamisa.