Lapho kangcono ukuthathelwa umshuwalense ukuphila nempilo?

isigqi Olukhulu zokuphila amabutho ukuthatha izinyathelo ukuze sivale lapho sisilela ngemiphumela izingozi, zomgwaqo kanye nezinye izingozi. Phela, nabo basuke elimazako ukuphila nempilo. Nakuba izimo eziningi angeke kuvinjelwe, kodwa anganikeza ukuliliswa. Kungenzeka yini ukuba ukuthathelwa umshuwalense ukuphila kwakho? Le sevisi ezivamile namuhla.

Ungakwazi ukuthathelwa umshuwalense wokuphila e izinkampani eziningi. Ukwenza inqubomgomo izodala inqolobane zezimali esitebeleni, lapho nganoma yisiphi isikhathi kuyothuthuka impilo. Kungcono kusebenza inkampani abuyekezwa, ukunikela ezimvunayo kumakhasimende abo.

Inani yomshwalense kanye nezempilo

Ukuze ukuthathelwa umshuwalense ukuphila nempilo kuyadingeka ukuze:

• isiqinisekiso ehloniphekile yini nokusekela ukuphila kwakhe ezimweni ezahlukene;
• ukuhlinzeka ithuba izingane ukufunda ku zemfundo ezidumile zemfundo;
• nethemba ngekusasa.

Umshwalense ikhishwa kuze kudlule isikhathi eside. izinqubomgomo ngokuvamile babe eside emi-3 kuya 5, kodwa esiphezulu - iminyaka engu-20. Lowo Mbhalo wangonyaka we isebenza ubusuku nemini, ukuze usizo njalo kwenziwe. Endabeni umshwalense udinga ukuxhumana inkampani ukuthola isinxephezelo.

Kanjani ukuba athathe umshwalense?

Izinkampani ukunikeza izindlela zokuphepha ezahlukene: ukwesekwa zezimali nasezimweni ezinzima, ekwelapheni noma inqwaba. Ukuze ukuthathelwa umshuwalense ukuphila nempilo, udinga ukukhetha inkampani ilungelo xhumana nehhovisi ukuze asayine inkontilaka. Njengoba ungacabanga, lokhu kudinga utshalomali. Kodwa uma umcimbi insured kuyoba usizo olukhulu elihunyushwe.

Isibonelo kungaba uhlelo oxhaswe yinkampani enkulu "Ingosstrakh" ikhishwa ukuphila. Buhle le nqubomgomo ubhekwa nokudluliswa isizumbulu semali njengefa. It kuvela ukuthi ungakwazi ukwabela izihlobo zabo kakhulu ngaphezu kokudingekile ukunikeza inkampani. Imali izotholakala ngemuva kwengozi.

Kulotshweni inqubomgomo?

I incwadi eyakhishwa imithetho owamukelwa. Liqukethe ulwazi amaqembu waphetha deal. Kukhona amalungelo obhalisiwe kanye nezibopho iqhaza kanye netimo tekutsi nokubambisana. Qiniseka ukuthi ukhombise izingozi okuyiwona isinxephezelo lufakwa.

Inkontileka umshwalense lumiswa yinkathi inkokhelo yokukhokhelwa. Ayikho ebalulekile ngaphansi kukhona ulwazi mayelana inani wenziwa inkokhelo.

Izici

Uma ukuthathelwa umshuwalense ukuphila kwakho, lapho inani sitholwa ngokuphelele? Ubungozi eyinhloko Ukuhamba empilweni inkontileka singakapheli isikhathi esibalulwe. Ungakhokhela ukufakwa lento idokhumenti esibandakanya ukukhululwa kwe izinkokhelo njalo nokukhubazeka 1 noma amaqembu 2. Khona-ke udinga ukukhokha imali, kanye nenani lizokhokheliswa inani eligcwele.

Uma ukuthathelwa umshuwalense ukuphila kwakho, kuba nokwenzeka isinxephezeliso ukubuyiselwa impilo wena omthandayo imali abathandekayo. Futhi, isevisi ikuvumela ukuba ugcine ethile, okuyokwenza ukuba silondoloze baphile kahle. Sidinga ukwazi ukuthi yini edingekayo ukuze ukucubungula isevisi.

izinhlobo umshwalense

Ukuze ukuthathelwa umshuwalense impilo ongakhetha eziningana inkonzo tingafundziswa:

1. inketho eziyingozi, lapho ekuqongeleleni ayivunyelwe ngaphakathi kwesikhathi esibekiwe. The Inkampani ubophekile ukuba akhokhe lemali abashe inkontileka uma kwenzeka isenzakalo kwesamba. Uma-ke ngeke kube sekupheleni kwethemu yesevisi, nama-akhawunti yekhasimende benganikezwa. Izinzuzo ezahlukeneyo ingozi zihlanganisa izindleko ongaphakeme, okuvumela ukuba ukhethe izicelo nge iholo eliphansi.
2. Savings umshwalense. Ngokusho lokhu yokukhokha okwenzeka nani, ngisho noma kwakungekho ingozi. Isivumelwano senziwa isikhathi esithile.
3. buka Okunqwabelanayo. Inqubomgomo izosebenza unomphela. Ezinye izindaba zika-service iyafana inguqulo yangaphambilini. Kodwa kunomehluko, isibonelo, imali utshalomali, - ukwanda isamba oVikelwe. Luhilela ekukhokhweni kwezimali, isivuno kuyinto - 3-5%.

Uma ekhishwe inkontileka levulekile, anakho igama ukuphila. Isinxephezelo wabeka unezihlobo bahlomule. Kodwa kukhona kwesokudla sokuqeda ubuqiniso idokhumenti elicacisiwe inkontileka, bese okukhiphayo isamba engenayo enqwabelene. umyalo onjalo senziwa iklayenti.

izingozi

Inkontileka evamile yalolu hlobo ekhishwe isikhathi esifitjhani - 1 unyaka, uma iqhathaniswa amacala ezibalwe ngenhla lapho ukuvikeleka kwezezimali iminyaka 5 noma ngaphezulu.

Ukuze ukuthathelwa umshuwalense ukuphila engozini kungaba kukho okulandelayo Ukuvikelwa:

• egcwele - ubusuku nemini, izinsuku ezingu-7 ngesonto;
• ingxenye - okwesikhathi esithile, isibonelo, ngesikhathi kukhululwa.

I umshwalense olunikezwa kube isikhathi esithile, yilesi:

• evuselelekayo - inkontileka kungenziwa ngemvume futhi;
• Convertible - kukhona kungenzeka self-ushintsho izimo;
• nge nokuncipha enamathela - uhlelo eyenzelwe abantu abadala abangakwazi ukukhokha izitolimende njalo.

izinhlobo isinxephezelo

Uma ukuthathelwa umshuwalense ukuphila ingane noma umuntu omdala, ngeke bafaneleke isinxephezelo. usayizi yabo incike ubukhulu umonakalo:

• Inkokhelo ngokugcwele - ukufa noma incapacitation.
• 10-20% of the izinkokhelo elicacisiwe inkontileka, - uma ukulimala noma sokukhubazeka yesikhashana.

Umthamo isamba oVikelwe isethwe yiklayenti. Kodwa kufanele sikhumbule ukuthi izicelo ngenhla, kulapho kuyodingeka bakhokhe. Umnikelo ubuncane kunqunywa inani hhayi ngaphansi kuka- $ 10 inyanga ngayinye.

Ezinye izinkampani ukunikela izimo oyithandayo uma kwenzeka nobunzima kule esigabeni sokuqala - ukubambezeleka ukuthi ingahlala izinsuku eziningana noma ezingu-2. Uma ungakwazi ukwenza amanani njalo ke singama inkontileka, kulandelwa resumption ekuthuthukiseni isimo sezimali.

izindleko

Kuphi ukuthathelwa umshuwalense wokuphila, kuxhomeke ezicini eziningana. Ubukhulu bale okunamathiselwe kuthintwa:

• engu-client;
• impilo;
• izinhlobo zomsebenzi;
• phansi.

Lokhu ngokwahlukana kungenxa yokuthi isilinganiso sobude bokuphila kwabesifazane kuka kwabesilisa. Izinto ezingaphezu kuthinte icala umshwalense, siyoba sikhulu lemali ukuthi inkampani kumele ikhokhe. Savings Bank inikeza amasevisi anjalo. Insure impilo engcono ngemva lokukhokhelwa amasevisi. On Web sites, izinkampani abe wokubala ezokwenza ukukwazisa inani izinkokhelo inthanethi.

Inqubo ngokwenza tibalo

Imali zizokwenziwa, kuncike kule mibandela ebekwe inhlangano, uma ungena ngemvume inqubomgomo. Izinkokhelo angase akhokhiswe:

• nyangazonke;
• unyaka ngamunye;
• nsuku wekota;
• ngesikhathi esifanayo.

Ukuze ukwazi ukubaluleka kokuphila futhi umshuwalense wezempilo, udinga ukuxhumana nenkampani. Kungasiza ukubala wokubala inthanethi. Kodwa ulwazi olunembile ingatholakala ongoti. Kuyadingeka ukuba akhokhe ngesikhathi ngaphandle yokwephula nezivumelwano, kungenjalo kungase kuholele uyaphika yokukhokha.

Indlela ukunquma ukuthi umuntu oVikelwe?

Kubalulekile ukucacisa lapho ukuze ukuthathelwa umshuwalense wokuphila kanye nezempilo. Lokhu kufanele uqaphele nezihlobo. Kodwa uma inkonzo enjalo, kufanele ufune inqubomgomo ukuthi wayakha engaziwa ngemva kokufa. Kuyo yonke imininingwane kumakwe.

Uma idokhumenti ingeyona, kuyobe sekudingeka ukwenze lokho afunde okuthile ngako e inkampani enkulu umshwalense. Kunenye ukuhlolwa inketho - phezu ukungena isheke ifa ithwala wokulungisa izivumelwano, abayoba uthumela isicelo sokuthi inkampani futhi anikeza impendulo. Kuphela uma inqubomgomo iye ikhishwe, ungakwazi ukubhekana umbuzo isinxephezelo.

Kukhethwa eqinile

Ngingalutholaphi ukuthathelwa umshuwalense ukuphila nempilo? Izinkampani ukusebenza kule isiqondiso, ke kuba more. On kubo ungakwazi ukubona nokuzwa ezihlukahlukene ukukhangisa. Ngu izinkampani ethandwa zihlanganisa:

1. "Ingosstrakh".
2. "Uralsib".
3. "Rosgosstrakh".
4. "SOGAZ".
5. "RESO-Isiqinisekiso".
6. "Umshwalense Alpha".

Lapho kangcono ukuthathelwa umshuwalense ukuphila nempilo incike izifiso iklayenti. Kubalulekile ukuthi ngokuqinile kwaba okuthembekile, ngoba kuthinta ukuthi ukukhokhelwa. Yikuphi inkampani yomshuwalense ukuthi ukuthathelwa umshuwalense impilo kungcono? Kungcono ancike omethembayo nemvume.

Ukulahlekelwa inqubomgomo - yini okumele ngiyenze?

Uma ulahlekelwa pholisi kumele uxhumane inkampani elikhiphe idokhumenti. Nge Kuyadingeka ukuba ipasipoti ikhadi impilo. Kuyadingeka ukubhala isicelo, lapho izimo yokufelwa inqubomgomo kuboniswe. Ngisho noma kungekho card, akubhekwa imbangela yokwehluleka ukuthola idokhumenti entsha.

Uma idokhumenti yakhelwe uhlobo yenkampani, kubalulekile ukwazi isibalo umshwalense wakho endaweni polyclinic indawo. Ungase futhi uthintane Health Insurance Fund. Ukulungiselela kuhilela izitatimende yokudla echaza isimo futhi nenombolo inkontileka. Wabe esephelelwa inqubomgomo lizokhanselwa, bese wakhipha entsha.

inqubo yokutakula

Ukuze uthole inqubomgomo entsha, kuzomele udlule letigaba letilandzelako:

1. Khetha enkampanini yomshuwalense.
2. Khetha uhlelo, imigomo afaneleka ngokugcwele.
3. Ukubala ukubaluleka idokhumenti.
4. Thola yenqubomgomo ku-intanethi noma inkampani.
5. Bhadala imali.

Ukwenza amadokhumenti uyovikelwa kusukela ukulahlekelwa ezinkulu zezimali, okungaba uma izingozi.

Enikeza Savings Bank?

Ukuze eziningi izinhlelo Savings Bank adinga umshwalense ayimpoqo. Isibonelo, lokhu kusebenza mortgage auto sokubolekwayo. Vele qiniseka ukuthathelwa umshuwalense impahla ezidingekayo futhi ukuphila futhi umshuwalense wezempilo yinqubo yokuzithandela. Nokho izisebenzi Kunconywa ukuyisebenzisa ukuze uzivikele wena nomndeni kusuka izingozi.

Yini izingozi afakiwe inqubomgomo yomshuwalense ngesikhathi sokubhaliswa Savings Bank? Uma iklayenti ukuthathelwa umshuwalense wokuphila, kwanele zisebenza kunoma yikuphi inkampani inikeza ngamasevisi ezifana. Kodwa inqubomgomo udaba kungaba uma ufaka imali-mboleko. Khona-ke umshwalense uzobe anezinhlaka emnyangweni ukusungulwa. Inkontileka insures ukuphila nempilo ka umboleki, ukuhlinzeka izinkokhelo izikweletu nasezimweni ezinzima. Izingozi zihlanganisa ukukhubazeka nokufa.

Ukukhubazeka kusho ukuvela izifo, izingozi, ukulimala, lapho sibhekene nezimo ezinzima. ikhasimende ngalinye Ungakhetha uhlelo ofanelana imingcele yayo. Izinqubomgomo "Savings Insurance" babe kwale mibandela elandelayo:

• Life, ukukhubazeka - 1.99% ngonyaka;
• Life, ezempilo, ukulahlekelwa umsebenzi - 2.99;
• izimo ngamunye - 2.5%.

Umuntu okukhulunywa ngaye inkontileka, kungenzeka ýkhasýmende inhlangano noma isakhamuzi. Uma inqubomgomo ekhishwe ebhange, isikweletu uma umcimbi insured ikhokhelwa ngokuvumelana imibandela esungulwe.

inqubomgomo Nezikweletu umshwalense ukubuyiswa kwemali

Inkampani yomshuwalense okhokhela izikweletu umboleki sika ngokugcwele kuphela uma ukugula noma ingozi, uma umuntu baba ekhubazekile noma bafe. sokukhubazeka yesikhashana okwesikhathi esithile akubhekwa isisekelo inkokhelo egcwele izikweletu. Khona-ke wabeka ekukhokhweni izinkokhelo eyodwa noma ngaphezulu. I umshwalense wathatha kwezibopho umboleki, kubalulekile ukuze unikeze isiqinisekiso okuvela kuyo umcimbi insured.

Lapho befaka isicelo isikhulu loan ngokuvamile inikeza umshwalense owengeziwe. Uma ungafuni ukuthenga inqubomgomo, akudingeki kwenziwe mayelana nekhono lokukholisa. Kuyinto inqubo yokuzithandela, ngakho ikhasimende kufanele unqume. Kodwa ungakwazi ukuthenga inqubomgomo, bese ukuyeka, bese imali emuva ku-akhawunti.

Ukunqatshwa umshwalense kudingwa wumthetho. Uma siphendukela inkampani ezinsukwini ezingama-30 emva ukubhalisa yesivumelwano, kungenzeka ukuba ancike ukudluliselwa lonke inani. Uma-ke kuye kwaba ngaphezu kwenyanga, kodwa hhayi isikhathi esingaphezu kwezinyanga eziyisithupha ke emuva isigamu. Emva kwezinyanga ezingu 6 inani kuyoba ezincane, futhi kungenzeka sinqatshwe.

Uma loan isikhokhiwe, kodwa umshwalense sisasebenza, iklayenti bangathola iminikelo. Kudingeka enze isicelo, lapho imininingwane zaveza nokuxhumana nesikhungo yasebhange futhi inkampani yomshuwalense. Isicelo kufanele bufakwe ubufakazi bokukhokha yesikweletu.

Bangaki kwenqubomgomo?

Lowo Mbhalo wangonyaka we ihlanganisa isikhathi loan. Kodwa kunganikeza unyaka 1. Ngemva kwesikhathi sokusebenza sayo kuyoba isandiso kuya sokubala egcwele. Iminikelo angafakwa ohlwini e 2 ifomethi:

• Khokha ngokwehlukile.
• Afakwe loan.

Inqubomgomo uyize uma:

• Iklayenti enqaba ke.
• Umcimbi kwesamba kwenzeka.
• I umshwalense ningangeni isivumelwano ikhasimende ukuthi unesifo esithile.

izinhlelo Umshwalense okunenzuzo ukuba amabhange, kusukela izinkampani zithatha izibopho ababoleka '. Kodwa ngezinye izikhathi, isibonelo, uma ukuthola a mortgage, kubalulekile ukuba ukuthathelwa umshuwalense izimpilo amaklayenti. On umthengi credit ngempela akhiphe inqubomgomo. Kodwa mortgage, okwakwenza kube lula ukuthola iminyaka eminingi, le sevisi singaba usizo kabi.

Ngaphandle lomshuwalense wesikweletu kuyinto isifiso somuntu. Abanye abantu abakhetha lo msebenzi, nokuzivikela umndeni kusuka ezihlukahlukene izimo, kuyilapho abanye bakholelwa ukuthi bangakwenza ngaphandle kwalo. Ngaphambi kokwenza inqubomgomo kubalulekile ukufunda imigomo ngokubambisana neNhlangano inkampani, kanye kuphela bese wenza idili.

umshwalense Okuqukethwe kungaba kunoma iyiphi inkampani. Ngaphambi wenze lokhu, qiniseka ukuthi linokwethenjelwa. Kungaleso sikhathi kuphela lapho they khokhela isinxephezelo izingozi impahla.