Cinga ngomzuzu ukuba ufumene ukukhanyela kwi-imeyile yebango le-inshurensi kwaye ichaza ukuba iinkonzo azifihliwe okanye le nkqubo ifuna imvume yangaphambili. Ucinga ngomzuzwana ... kutheni kungabikho mntu owaziyo malunga nale nto ngaphambili .
Ewe, umntu wayengazi ukuba iofisi yakho inesistim ekhona ukuze uqiniseke ukuba awufumani le ntlobo yokwenqaba . Uninzi lwee-inshorensi ezikhanyelayo zibangelwa ukungabikho kokuqinisekisa ingcaciso yenzuzo yinshorensi ngaphambi kokuba iinkonzo zinikezelwe. Ukuphika okuqhelekileyo kukuba:
1. Ukugunyazwa kwangaphambili
Ezinye iinkqubo zonyango okanye iinkonzo zinokufuna umnikezeli ukuba afumane imvume phambi kokuba iinkonzo zenziwe. Ukukhishwa kwamabango ngenxa yeenkqubo ezingagunyaziswanga isigulane okanye iinkonzo ezinokuba yintlawulo enkulu engafanele ithathwe ngokulula. Nangona ezininzi ii-ofisi zonyango zihamba zisondele kwi-100% yokuqinisekisa kwiinkonzo zesigulane, akukho nto isiqinisekiso sokuthi yonke i-akhawunti iya kuyenza yinkampani ye-inshurensi ibango elityinyiwe.
Kuthatha nje umzamo omncinane kwinxalenye yeofisi yezobugqirha ukuqinisekisa ukuba amanyathelo afanelekileyo athatyathwe ukukhusela imali elahlekileyo ngaphandle kokugunyazwa kwangaphambili.
2. Ukupheliswa kokupheliswa okanye ilungu alivumelekanga kulo mhla wenkonzo
Kubalulekile ukuba ababoneleli baqinisekise ukuba i-inshorensi yabo iyakufaneleka rhoqo kwiinkonzo ngezikhathi zonke . Ulwazi lomshuwalense lunokutshintsha nanini na, nangona zigulane eziqhelekileyo. Ukuqinisekisa iingeniso ze-inshorensi ngaphambi kokuba iinkonzo ezinikezelweyo zinokukwazi ukuba i-ofisi yezobugcisa ukuba i-inshorensi ye-inshorensi iyasebenza okanye iphelile. Oku kuya kukuvumela ukuba ufumane ulwazi oluthe xaxa lwe-inshorensi okanye uphawule isigulane njengomvuzo wokuzihlawula.
3. Iinkonzo ezenziwayo azifaki
Iinkampani zomshuwalense kunye nemigaqo-nkqubo ethile iyahluka kwiinkonzo zonyango abazibandakanyayo. Kuyinkonzo enkulu yamakhasimende ukuqonda isigulane sakho phambi kwenkqubo okanye inkonzo eyenziwa ukuba inokuba yinto ejongene nayo. Ngaloo ndlela isigulane sakho singenza eso sigqibo ngaphambi kwexesha kunokuba ungaboni ngokungazi ukuba uyilwayo enkulu.
Izibhengezo okanye iinkonzo ezingekho phantsi zibhekiselele kwiinkonzo ezithile ze-ofisi zezokwelapha ezingabandakanywa kwi-inshorensi yempilo ye-inshorensi. Izigulane ziya kufuneka zihlawule i-100% kule nkonzo. Esi sisinye isizathu sokuba kubalulekile ukudibanisa i-inshurensi yesigulane ngaphambi kokuba iinkonzo zinikezelwe. Inkonzo yabasebenzi abahluphekileyo ukuyihlawula isigulane kwiimfestile ezingabhalwa ngaphandle kokubenza bazi ukuba bangabangela uxanduva lwezityholo phambi kwenkqubo yabo.
4. Inzuzo enkulu kakhulu kule nkonzo idibene nayo
Oku kukhanyela ngokuqhelekileyo kugcinwe i-ofisi ephindaphindayo okanye ukutyelelwa esibhedlele njengonyango oluthile, iinkonzo zezempilo zokuziphatha okanye iinkonzo ze-chiropractic - nje ukubiza ezimbalwa. Uninzi lwee-inshorensi lunomda wokuba kutyelelo oluninzi oluvumelayo ngexesha elithile. Ukuba ufumanisa ukuba izibonelelo ezigqithisiweyo zesigulane sele zikwazi ukunikela ngeendlela ezahlukeneyo zokuhlawula.
Ukucela imali kwisigulane esagulayo kwabanye abantu kubonakala kungenakuqonda, nangona kunjalo, kufuneka kuqondwe ukuba unyango lwempilo lubiza imali. Nangona ingaba yinto echaphazelekayo, ukuqokelela ukuhlawulwa kwangaphambili kwizigulane zakho kuyimfuneko ebalulekileyo ekufuneka iqwalaselwe.
Amanyathelo okufumana ukugunyazwa
- Ngokukhawuleza ukuba isigulane senzelelwe inkqubo, inkqubo yokuqinisekisa i-inshorensi iya kuqala.
- Ukuba inkampani yomshuwalense idinga igunya lokumisela inkqubo, qha ga mshelana neofisi yamayeza ngokukhawuleza ukuba ufumane ukuba ugunyaziwe lufunyenwe.
- Ukuba iofisi yonyango ifumane imvume, fumana inombolo yokugunyazwa kubo. Ukuba abanalo, qhagamshelana neSebe elifanelekileyo kwi-inshurensi yenkampani ye-inshurensi ukuze ufumane inombolo yegunya. Kwakhona ingcamango enhle ukuqinisekisa ukuba ulwazi lufana nerekhodi zakho.
- Ukuba iofisi yelo gqirha ayifumananga igunya, yazise ngokuzenzekelayo ukuba kufuneka bayifumane phambi kokuba isiguli sabo sinakho inkqubo yabo. Ngokuqhelekileyo ugqirha ugqithise kakhulu esi sicelo. Bafuna isigulane sabo ukuba sinoxanduva oluhle kwaye asinakwenza nantoni na engayiphephayo ekubeni bakwazi ukwenza inkqubo eyenziwa.
- Njalo ulandele inkampani yomshuwalense. Ukuba kunokwenzeka ucele ifeksi yesigunyaziso esivunyelweyo serekhodi zakho. Ungayidinga kamva.
- Ukuba inkqubo iguquka okanye into yongezwa kumzuzu wokugqibela, qha ga mshelana nenkampani yomshuwalense ngokukhawuleza ukuba ungeze utshintsho kwisigunyaziso. Ezinye iinkampani zomshuwalense zivumela ukuba isaziso seyure ezingama-24 sivunywe kwiinguqulelo.