Umbuzo oqhelekileyo, ngokuphendula okulula
Uninzi lwabantu lusetyenziswa ngokufanelekileyo kwimbono yokuba ibango elibalulekileyo kwimigaqo yomshuwalense wemoto okanye umnini-nkqubo wabanini banokubangela ukwanda kwenani le-premium (qaphela ukuba oku akunjalo ngaso sonke isikhathi). Ngoko yinto engaqhelekanga yokungaqondi kakuhle into yokuba kunjalo yinshuwalense yezempilo.
Kodwa akunjalo, kwaye kwakungenjalo nangaphambi kokuba uMthetho woNonophelo ongenakunqunyulwa uphinde waguqulwa kwimarike yomshuwalense wezempilo.
Akukho ukuguqulwa kweprayim ngokusekelwe kumabango ngamnye
Ngaphambi ko-2014, xa i-inshorensi yempilo kwimarike nganye yayibhalwe phantsi kwimizimba phantse kuwo onke amazwe, kwakungekho nalungiselelo yokulungiswa kweprayim ye-insured esekelwe kwibango. Xa umntu sele eqinisekisiwe, kwakungenayo indlela yokulungisa loo nqanaba lomntu ngokuzimela ngaphandle kweminye yamanzi.
Imihla endala - ukubhalwa kwezonyango
Ngaphambi ko-2014, kukho ukulungelelaniswa kuwo onke amahlanu angama- inshorensi yempilo ukubeka ireyithi zokuqala ngokusekelwe kwimbali yonyango lomfaki sicelo. Ngoko umfaki-sicelo onemiqathango ebesele ikhona ngaphambili unokunikwa isicwangciso, kodwa nge-premium ephezulu kunezinga eliqhelekileyo.
Oku kwakungenjalo kwimeko ekhoyo ngaphambili, kwaye izinga lokuqala landa ngokubanzi lisuka kwi-10% ukuya kwi-100%, kuxhomekeke kubukhulu bemeko (kwaye malunga nama-13% wabenzi bezicelo abakwazanga ukufumana isicwangciso kuwo wonke umntu ngasese ntengiso phambi ko-2014).
Kodwa xa unikwe i-insured, amabango esizayo akuyi kubangela ukunyuka kwezinga eliyingqayizivele kwisicwangciso sakho. Ukuba isicwangciso sakho sasiquka ukunyuka kwezinga lokuqala, okuza kuhlala kunye nawe (ngoko ukuba i-premium yakho yahlengahlengiswa ngama-25% ngexesha lokubhala phantsi, liya kuqhubeka libe ngama-25% ngaphezulu kunezinga eliqhelekileyo kwiminyaka ezayo).
Kodwa ukuba kamva ube nebango-nokuba likhulu kakhulu - ukuguqulwa kwamanani akho kunyaka ozayo kuya kufana nokuguqulwa kwentlawulo kuwo wonke umntu onesicwangciso esifanayo kwingingqi yakho.
Ukunyuka kwamazinga kuye kwaqhutywa rhoqo ngamabango, kodwa amabango amaninzi asasazeka kuwo onke ama-insureds kwisibini esinikeziwe, ngokuqhelekileyo kubandakanya abanye abantu abanesicwangciso esifanayo kwindawo efanayo. Ngoko ukuba uninzi lwabantu abasemngciphekweni mngcipheko unemibango ebalulekileyo, amaxabiso omntu angakhula ngokukhawuleza kunyaka ozayo. Kodwa babeza kunyuka ngamaphesenti afanayo kuwo wonke umntu kuloo ndawo yokubeka ingozi, kungakhathaliseki ukuba babe nebango elikhulu, ibango elincinci, okanye akukho zibango.
Ukuguqulwa kwe-ACA
Ngaphantsi koMthetho woNonophelo ongenakunqwenelekayo, akukho nto ikwazi ukulungelelanisa nabatshutshisi ukuba bahlalutye amaxabiso ngokusekelwe kwimbali yonyango yomfaki sicelo okanye ubulili (oku kuyinyaniso kumashishini athile kunye nemakethe yeqela elincinci). Amaxabiso angahluka kuphela ngokusukela kwiminyaka, indawo yokuhlala (oko kukuthi, ikhowudi yakho ye-zip), kunye nokusetyenziswa kwecuba (ezinye iindibano zithathile eli nyathelo, kwaye zivinjelwe iindleko zecuba kwi-inshorensi yezempilo ).
Ngoko namhlanje, umfaki-sicelo ophakathi kwonyango lomhlaza uya kuhlawula intlawulo efanayo kunye nomnye umfaki sicelo onempilweni, xa nje bekhetha isicwangciso esifanayo, bahlala kwindawo efanayo, bobabili beminyaka efanayo, kwaye banesifo esifanayo isimo.
Kwaye njengoko ixesha lihamba, baya kuqhubeka benamaxabiso alinganayo kunye nomnye, kungakhathaliseki ukuba yeyiphi na iifowuni zamabango kunye nenkampani yomshuwalense wezempilo. Iirhafu zazo ziya kufikelela ngokukhawuleza kunye nexesha , kodwa oko akufanele kudibaniswe kunye nokwanda kwezinga elibangelwa ibango.
Njengoko kubhalisa ubudala, amazinga abo akhula. Ubudala ngenye yezinto iinkampani ze-inshorensi zempilo ezisenokusebenzisa ukubeka amanani, kodwa abathwali abakwazi ukuhlawulisa abantu abadala kunamaxesha amaninzi njengoko bahlawula abantu abatsha.
Kwaye ireyiti jikelele yabantu bonke kwisicwangciso iya kunyuka ukusuka kunyaka omnye ukuya kwesinye , ngokusekelwe kwiimangali ezipheleleyo ezifakwe ngumntu ngamnye kwisicwangciso.
Kodwa baya kunyuka ngamaphesenti afanayo kubantu abafaka amabango amakhulu, abantu abafake izicelo zamabango amancinci, kunye nabantu abangazange bafake izicelo zamabango.
Ngaphandle kokuba isicwangciso sakho singagqitywanga, uya kukwazi ukuqhubeka nokuvuselela ukususela kunyaka omnye ukuya kwinqanaba elilandelayo (phawula ukuba oku akusebenzi kwiinkqubo zomshuwalense wexesha elifutshane ), kwaye ixabiso lakho lokuhlaziya aliyi kuba nefuthe ngamabango akho ngunyaka ongaphambili-kunoko, isilinganiselo sakho siya kutshintsha ngepesenti efanayo nawonk 'ubani kwisiplani sakho seendawo.
Kwaye kwindlela eyahlukileyo, ukwanda kwe-premium kwenzeka ukususela kunyaka omnye kuya kutsho, nokuba ngaba awuyi kufaki nayiphi na ibango. Kwakhona, isantya sakho senyuka sichazwe ngamabango amaninzi kwiziko lokubeka ingozi; nangona ungeke ube namabango, abanye abantu bakwenzile. Nangona oko kungabonakala kuphazamisekile kwiminyaka ongenayo ibango, uya kuqonda ukuba ukunyuka kwamazinga akukhethi umntu (ngokusekelwe kumabango) kwiminyaka xa unayo ibango elikhulu.
Sebenzisa isicwangciso sakho - kodwa ungayisebenzisi
Ukuthabatha apha kukuba akufanele ukwesaba ukufaka ibango xa kuyimfuneko. Awudingi ukukhathazeka ukuba uya kugqitywa ne-premium yomshuwalense wezempilo njengempembelelo.
Kodwa ibango lakho liza kuba yinxalenye yesibalo semifanekiso yesicwangciso sakho sempilo xa isicwangciso seminyaka esizayo siza kusekwa, ngoko kukuphepha ukuphuqulwa kwamanzi (oko kukuthi, izinto ezifana nokuya kwigumbi elingxamisekileyo xa unonophelo olukhawulezileyo okanye ugqirha okhuselekileyo unokwanela). wakho mngcipheko.