Ukusetyenziswa kweNtshurensi yokuSetyenziswa kakubi

Ukukhusela ama-Lawsuits

Inkonzo yomshuwalense, ngamanye amaxesha ubizwa ngokuba yi-inshurensi yemfanelo yonyango, yinto efana nenye ye-inshorensi yemfanelo yecandelo le-inshurensi elikhusela oogqirha kunye nabanye abaqeqeshiweyo bezempilo (umz., Udokotela wamazinyo, umhlengikazi) ovela kwiimbopheleleko ezinxulumene nezenzo ezingalunganga ezibangelwa ukulimala komzimba, iindleko zonyango kunye nomonakalo wepropati, njengoko kunye neendleko zokukhusela amacala enxulumene nala mabango .

Umgaqo-nkqubo we-inshorensi oyimpazamo ubandakanya ukulimala komzimba okanye umonakalo wepropathi kunye nokuxanduva lokuzilimala, njengokukhathazeka kwengqondo. Ubunzima obubandakanyekayo ekufumaneni ukunganakwa kubangela ipesenti ephakamileyo yeerandi ye-premium ejongene neendleko zokukhusela nezindleko. Abaxhasi bonyango bonyango bachitha iimali ezinkulu zophando kunye nokukhusela amabango apho kukho umphumo wesigulane esibi esingekho ngenxa yokunyaniseka.

Iintlobo ezimbini zeeNtsholongwane zokuShishino

Kukho iintlobo ezimbini ezisisiseko ze-inshurensi yokungahambi kakuhle-iziganeko okanye izibango ezenziwe. Abaninzi bango-inshurensi babhala kwimiqathango eyenziwe ngamabango apho umgaqo-nkqubo usebenza ngexesha elibhaliweyo liphendula malunga nokulahleka, ngelixa umgaqo-nkqubo uqhubeka usebenza kunye nangaliphi na ixesha elibiweyo lokunika ingxelo. Umgaqo-nkqubo owawuthandwa kakhulu kwixesha elidlulileyo yenziwe yenzeke eyenza ilahleko "eyenzekayo" ngexesha lomgaqo-nkqubo, kungakhathaliseki ukuba ibango lenziwe nini, nangona emva kokuba umgaqo-nkqubo ususwe.

I-Adpractice Incractice Claim

Ummangali kufuneka amise zonke iinkalo ezinhlanu zokungabikho kokunyaniseka kwempembelelo yonyango ephumelelayo:

1. Umthwalo wawudalwe: umthwalo wezomthetho ukhona xa isibhedlele okanye umboneleli wezempilo enyamekela okanye unyango lwesigulane.
2. Umsebenzi waphulwa: umniki-mpahla akazange akwazi ukuhambelana nokunyamekela okufanelekileyo.

1. Ukwaphulwa kwabangela ukulimala: Ukuphulwa komsebenzi bekubangelwa ngqo kunye neyona nto ibangelwa yingozi.
2. Ukuphambuka kumgangatho owamkelweyo: Kumele uboniswe ukuba lo msebenzi wayesebenza ngendlela ephikisana nomgangatho osemgangathweni owamkelekileyo kwimisebenzi yakhe.
3. Ukulimala: Ngaphandle komonakalo (ilahleko ezinokuthi zibe ngumntwana okanye unengqondo), akukho sikhokelo sebango, kungakhathaliseki ukuba umniki-zonyango wayengenanto. Ngokufanayo, umonakalo ungenzeka ngaphandle kokunyaniseka, umzekelo, xa umntu efa kwisifo esibulalayo.

Ukulimala

Umonakalo wommangalelwa unokubandakanya ukuhlawulwa (uqoqosho kunye non-economic) kunye nemonakalo yokugweba. Ukulimala koqoqosho kubandakanya ukulahlekelwa kwemali kuquka ukulahlekelwa kwemvuzo kunye neendleko zonyango. Imonakalo engekho kwezoqoqosho ihlolwe ngenxa yengozi ngokwayo: ingozi engokwenyama nengokwengqondo, njengokulahlekelwa kombono, ukulahleka kwesigungu okanye inxalenye, ukuncitshiswa kokunciphisa ubomi ngenxa yokukhubazeka okanye ukulahlekelwa ngumntu othandekayo, intlungu ebuhlungu kunye nemvakalelo ndezelo. Imonakalo yokukhawuleza inikezelwa kuphela kwimeko yokufunwa nokuziphatha okungenangqondo.

Ukunyanzelisa

I-inshurensi yemfanelo ye-inshorensi yempilo ye-inshurensi iye yafumana amaxesha amaninzi enzima, njengamaxesha ekupheleni kwee-1990, okukhokelela kumaxabiso aphezulu kubanikazi bamaphepha-nkqubo.

Ezi zihlandlo zaphawulwa ngenguqu ezinzulu kwi-premium, zinciphisa utyalo-mali, ukunyuka kwamaxabiso okunyuka ngokukhawuleza ngenxa yokunyuka kweebango zentlawulo kunye neendleko zokukhusela nezindleko kunye nokuphuhliswa kobunqongophala obukhulu. Ukulahlekelwa kwama-ratios kuye kwancipha kwiminyaka yamuva kwaye amaxabiso awile.