Yeyiphi ipolisi ye-inshorensi yabakhubazekileyo

Ngaba ukhubazekile kwaye ufuna ukwazi ukuba yeyiphi i-inshurensi efanelekileyo kuwe? kweli nqaku, ndikuxelela malunga i-inshurensi yokukhubazeka. I-inshorensi ithetha umsebenzi apho i-inshurensi yenza, ngesivumelwano se-inshorensi, ukubonelela ngenkonzo ukuze kuxhamle omnye umntu (umntu ofakwe kwi-inshorensi) xa kusenzeka isiganeko esilishwa ngokutshintshiselana ngentlawulo yentlawulo yenyanga okanye igalelo. Ukukhetha ukhuseleko lwezempilo ngokuba usapho lwakho yinto enokwenzeka kuwe.

Umngcipheko kukuba phantsi kwekhontrakthi ye-inshorensi. I-inshorensi ithathwa ngumntu ofakwe kwi-inshorensi ukuze azikhusele kwiziganeko eziyingozi (isigulo, ukwenzakala, umlilo, ukufa, njl. njl.) okanye kwiingozi kwizinto ezithile anazo (imoto, ikhaya, njl. njl.).

Xa kukho umngcipheko, i-inshurensi inesibophelelo sokuhlawula inzuzo / imbuyekezo ngendlela yemali kumntu ofakwe kwi-inshorensi, oko kukuthi kumntu wesithathu, kunye nomxholo we-inshurensi yobomi kubaxhamli.

Ngembuyekezo yale nkonzo, i-inshurensi iqokelela intlawulo kwi-inshurensi. Le mali ilingana neendleko zomngcipheko kunye neendleko zokusebenza ze-inshurensi.

Ikhontrakthi ye-inshorensi kufuneka ithathwe kunye nenkampani egunyazisiweyo ukuba yenze lo msebenzi. Xa sithetha ngoluntu, sibhekisa kulo ibhanki okanye inkampani yeinshorensi. Umrhumo uhamba ngesignesha yekhontrakthi ye-inshorensi.

⛳️ Yintoni omawuyazi ngabantu abakhubazekileyo

Umntu onesiphene nguye nawuphi na umntu onengxaki a abakhubazekileyo okanye abahlelelekileyo ukusuka nakweyiphi na indawo. Ikwanguye nawuphi na umntu onothintelo olunokuthi lukhokhelele ekungakwazini okubalulekileyo kunye nokuzingisayo kwaye onokuthi adibane nezithintelo ekwenzeni imisebenzi yemihla ngemihla.

Inkcazo yeli gama isebenza kubo bonke, abantu, abafazi okanye amadoda, abanobunzima obuthile. Isenokuba ngumntwana, umntu omdala okanye omdala.

Nantoni na enxulumene nokukhubazeka, enokuthi ibe yimoto, intetho okanye ulwimi, ibonwayo, yengqondo, yokuva okanye enxulumene nezinye izivamvo zomntu.

Inokudityaniswa nemisebenzi yendalo, okanye ivele kwi-autism spectrum disorder okanye ukungasebenzi kakuhle kwe-autism. impilo Yengqondo. 

🌿 Kutheni i-inshurensi?

Ubomi bomntu bunokutshintsha ngokupheleleyo emva kokuba kwenzeke ingozi. Ukwenzakala kwakhe kusenokuba ngunobangela wokukhubazeka okwethutyana okanye okusisigxina, okumshiya etshatyalaliswe ngokupheleleyo yedwa.

Nangona kunjalo, i-inshorensi inokuba luncedo olukhulu, ngakumbi kubantu abaye bathabatha inyathelo lokuqala lokubhalisela isivumelwano se-inshorensi kwangaphambili.

Ukukhubazeka kwexhoba kunokuhlawuleka ngeentlobo ezininzi ze-inshorensi, ukuba ukukhubazeka akukokuzalwa kodwa kuvela ngengozi, kwaye ngokutsho kwesivumelwano.

Ingcinga yomngcipheko iphantsi komgaqo we-inshorensi, o.k.t. into yokuba sichanabeke kwingozi enokubakho, ekhoyo kumsebenzi okanye kwimeko apho umntu akakwazanga ukujongana neziphumo zemali, ukuba zinxulumene nempahla okanye abantu.

Ingozi yenzeke xa kukho umngcipheko onokuthi uvele ngokwawo kwingozi. Ngaloo ndlela, umngcipheko uchazwa ngokugqibeleleyo xa ingozi ichongiwe, ngoko ke, ingenzeka, kodwa asazi ukuba kuya kwenzeka kwaye kuya kwenzeka nini.

 I-inshurensi inxulumene ngokusondeleyo nombono womngcipheko, sisiganeko esingahleliwe esoyikwa yi-inshurensi ngemiphumo yayo yezemali. Ingozi isekelwe kwiikhrayitheriya ze-03:

• Ngelixa elizayo : awukwazi ukukhusela isakhiwo emva komlilo waso
• Ukungaqiniseki : akunakwenzeka ukuqinisekisa umngcipheko lowo uqinisekileyo uya kwenzeka ngomhla owaziwayo;
• Ngokuzenzekelayo : asikwazi ukuqinisekisa umonakalo owenziwe ngokuzithandela;

🌿 Iindidi ezahlukeneyo ze-inshurensi yokukhubazeka

Kukho iifomula eziyi-02 eziphambili ze-inshorensi zabakhubazekileyo:

🔰 Ipenshoni yexhoba ithathwa ngumgcini okanye umzali womntu okhubazekileyo

isivumelwano

Umama kunye/okanye utata womntu okhubazekileyo, okanye nayiphi na ngqo okanye isibambiso ukuya kwi-3rd degree walo mntu, angarhuma kwikhontrakthi enjongo yayo ikukufumana isixa-mali okanye i-life annuity ehlawulwe ukunceda lo mntu, ukususela ekufeni kwakhe.

Ngokufanayo, abahlawuli berhafu abaxhomekeke kuye nawuphi na umntu okhubazekileyo banokuthatha ikhontrakthi ye-survival annuity ukuze kuxhamle lowo wokugqibela.

Iindidi ezininzi zee-annuities zinikezelwa, izixa-mali zazo zivavanywa kwakhona ngonyaka.

Iimeko zekhontrakthi yeannuity yexhoba

Ifana kakhulu neemeko ezifunwa ngokubanzi kwikhontrakthi yokubhaliselwa kwepolisi ye-inshorensi yobomi eqhelekileyo:

• Akukho nqobo yobudala kumntu okhubazekileyo, kodwa umda weminyaka emalunga nama-60 kumbhalisi;
• Ikhweshine yezempilo apho upasa khona iimviwo zonyango kubhalisi;
• kuphela umntwana okhubazekileyo nguye ofumana uncedo ;
• Owokugqibela kufuneka achaphazeleke, ngexesha lokusayina isivumelwano, ngobuthathaka obumvimbela ukuba asebenze phantsi kweemeko eziqhelekileyo zenzuzo okanye, ukuba ungaphantsi kwe-18, akakwazi ukufumana uqeqesho okanye umyalelo wenqanaba elibizwa ngokuba liqhelekileyo.

Inzuzo Umhlalaphantsi wexhoba

Ukongeza kwinto yokuba i-inshurensi ye-survival annuity ibonelela inkedama ekhubazekileyo ngengeniso eyongezelelweyo, inezi nzuzo zilandelayo:

Kwimeko yokusweleka komxhamli, i-inshurensi inokubuyisela, kumgcini ofakwe kwi-inshorensi, isixa-mali esiqingqiweyo sentlawulo yezavenge ezihlawulwe kwikhontrakthi ye-survival annuity. Iipremiyamu ze-survival annuity zinokuhlawulwa ngamabhunga omsebenzi, iingxowa-mali zomhlalaphantsi ezongeziweyo kunye nemibutho emanyeneyo yabalondolozi.

Intlawulo yepremiyamu iyavula ilungelo lokunciphisa irhafu. Amatyala ahlawulwayo kumntu okhubazekileyo arhafiswa kuphela kwingeniso ngeqhezu lesixa sabo.

I-inshurensi ye-annuity yokusinda ayikho ithathelwe ingqalelo ekubaleni irhafu yelifa (ngaphandle kwemirhumo ehlawulweyo emva kweminyaka engama-70 kwaye kuxhomekeke kwisixa seepremiyamu ezihlawulwe ngokupheleleyo).

Amatyala awathathelwa ngqalelo kuvavanyo lwezibonelelo zomntu okhubazekileyo kwisibonelelo sabantu abadala abakhubazekileyo, isibonelelo sembuyekezo, isibonelelo sezindlu zezentlalo, isibonelelo sabantwana abancinci, isongezelelo sosapho, isibonelelo sokubuyela esikolweni, imfundo. uncedo. Kwakunye neendleko zokugcina nezokuhlalisa kwiziko eliphantsi koncedo loluntu

Ukusinda ngonyaka inokudityaniswa nepension ezahlukeneyo eziphantsi kwayo ngokongezwa, ngokukodwa malunga nepenshini yeenkedama zabantu abadala abakhubazekileyo (abasebenzi basekuhlaleni okanye amajoni, iimali zomhlalaphantsi ezongezelelweyo).

Kuthathelwa ingqalelo ekubaleni isibonelelo esikhethekileyo sokuguga, isibonelelo esongezelelweyo. Kusebenza okufanayo nakwimeko yendawo yokuhlala kwindawo yolwamkelo phantsi koncedo loluntu lwabantu abadala.

🔰 Ugcino lokukhubazeka

Ikhontrakthi yokonga yabakhubazekileyo

Ikhontrakthi yokonga yokukhubazeka ibhaliswa ngumntu ngokwakhe nokuba ngaba abagcini banokuthi bathathe inxaxheba kolu londolozo, umntu ngamnye okanye ngokwekhontrakthi ehlangeneyo.

Imeko yobomi bekhontrakthi ye-inshurensi: ikhontrakthi kufuneka iqinisekise kwi-inshurensi intlawulo yemali eyinkunzi okanye i-life annuity.

Conditions

Ixesha lekhontrakthi kufuneka libe ngaphantsi kweminyaka emi-6 (ixesha lokwenyani). Umntu onesiphene akunyanzelekanga ukuba abe mdala ngokusemthethweni.

Kufuneka achaphazeleke, ngexesha lokutyikitya isivumelwano, ngobulwelwe obuthi, phantsi kweemeko eziqhelekileyo zengeniso, buthintele ukuba asebenze ukuba unakho. phantsi kwe-18.

Izibonelelo zoLondolozo lwabakhubazekileyo

Intlawulo yezavenge zokonga ukukhubazeka iyavula ilungelo lokunciphisa irhafu kubabizwa ngokuba ngabahlawuli berhafu abakhubazekileyo, ngoko ke akuthathelwa ngqalelo xa kumiselwa isilingi ye-AAH. I life annuity esuka kwinketho, I-PEP ayihlawuliswanga.

Yonke imali yomhlalaphantsi ehlawulwe kwikhontrakthi yokonga yokukhubazeka ayithathelwa ngqalelo ngaphaya kwemali ethile ngonyaka, ekubaleni isibonelelo sabantu abadala abakhubazekileyo.

Ziye zongezwa kwipension ezininzi eziphantsi komgaqo wokungeniswa, ingakumbi ipension ye iinkedama zabantu abadala abakhubazekileyo (iimali zomhlalaphantsi ezongezelelweyo, abasebenzi bakarhulumente okanye amajoni).

Zisetyenziselwa ukubala isibonelelo sobudala kunye nesibonelelo esongezelelweyo, kunye nenkxaso phantsi koncedo lwentlalontle yabantu abadala xa kukho indawo yokuhlala.

Sinokukhumbula ukuba abantu abakhubazekileyo bayaxhamla kwiindlela ezimbini eziphambili ze-inshurensi: Imali egcinwayo yokusinda kunye nokukhubazeka. Uhlobo ngalunye lwe-inshurensi luneenzuzo kunye neengozi zalo. Kukuwe.

⛳️I-FAQs

Umbuzo: Kutheni kubalulekile ukuba abantu abakhubazekileyo babe nepolisi ethile ye-inshorensi?

R: Abantu abakhubazekileyo banokujamelana nemingeni ekhethekileyo yempilo kunye nempilo.

Umgaqo-nkqubo we-inshorensi ethile yabantu abakhubazekileyo unokubonelela ngokhuseleko olulungiselelwe iimfuno zabo ezithile, ezifana nokhathalelo lwezonyango, izixhobo zokuhamba kunye nohlengahlengiso lwekhaya.

Umbuzo: Zeziphi iintlobo ze-inshorensi ezibalulekileyo kwipolisi ye-inshurensi yokukhubazeka?

R: Ipolisi ye-inshorensi efanelekileyo yabantu abakhubazekileyo kufuneka iquke ukhuseleko lokukhubazeka, ukhathalelo lwexesha elide, ukhathalelo lwe-hospice, kunye nezixhobo zokuhamba.

Kwakhona kubalulekile ukujonga ukuba ngaba umgaqo-nkqubo uhlawula iindleko ezinxulumene nokuguqulwa kwekhaya, izixhobo zonyango ezikhethekileyo kunye nonyango oluyimfuneko.

Umbuzo: Ndingayifumana njani eyona polisi ye-inshorensi yabantu abakhubazekileyo?

R: Ukufumana eyona nkqubo ye-inshorensi ingcono kubantu abakhubazekileyo, kuyacetyiswa ukuba usebenze nomcebisi we-inshurensi oyingcali kule ndawo.

Baya kukwazi ukuvavanya iimfuno zakho ezithile, thelekisa iinketho ezahlukeneyo ezikhoyo kwiimarike kwaye zikuncede ukhethe umgaqo-nkqubo ohambelana neemfuno zakho kunye nohlahlo lwabiwo-mali.

Umbuzo: Zeziphi iingqalelo zemali ekufuneka zenziwe xa ukhetha ipolisi ye-inshorensi yokukhubazeka?

R: Xa ukhetha ipolisi ye-inshurensi yokukhubazeka, kubalulekile ukuqwalasela iindleko zeepremiyamu, ukutsalwa kwemali kunye nemida yokhuseleko.

Kwakhona kubalulekile ukujonga ukuba ngaba umgaqo-nkqubo unikezela ngeendlela zokuhlawula eziguquguqukayo okanye izaphulelo kubantu abakhubazekileyo.

Umbuzo: Zeziphi ezinye izixhobo ze-inshorensi ezifumanekayo kubantu abakhubazekileyo?

R: Ukongeza kwimigaqo-nkqubo yeinshorensi eqhelekileyo, kukho iinkqubo zikarhulumente kunye nemibutho engenzi ngeniso enokubonelela ngoncedo olongezelelekileyo lweinshorensi kubantu abakhubazekileyo.

Kucetyiswa ukuba ukhangele kwiinkonzo zentlalo yoluntu okanye amaqela enkxaso yokukhubazeka ngolwazi kwezi zixhobo.

Ezi mpendulo ziqhelekileyo zinokukunceda uqonde imiba ebalulekileyo ekufuneka uyiqwalasele xa ukhetha ipolisi ye-inshorensi yabantu abakhubazekileyo. Nangona kunjalo, kuhlala kungcono ukudibana nomcebisi we-inshurensi oyingcali ukuze ufumane iingcebiso zomntu ngokusekwe kwimeko yakho.

Sigqibile kwaye ndiyathemba ukuba ekupheleni kokufunda kwakho, usifumene isisombululo kwingxaki yakho. Kodwa ngaphambi kokuba uhambe, nantsi Wenza imali ngamava akhe kwinethiwekhi yoluntu?