Uyakwazi uqalele ifomu ngokunqakraza ukuvuthuzela ikhonkco
Kubonakala ukuba unomdla ukukhuphela 'Ukwenza Robust yotyalomali' E-ncwadiNgo Sanjeev Sinha Rajat Shah kutshanje faced a tricky imeko ka-ukuphumela ibango kwamafama ngaphandle ekubeni ezimbini ye-inshorensi yezempilo imigaqo-nkqubo. Amahlwempu guy kokuba kuthathelwe u-health imigaqo-nkqubo ye-yokufumana sanele coverage, kodwa akazange aware ukuba zombini insurers (entsha kwaye ezikhoyo) kufuneka kwaziswa malunga nezinye mgaqo-nkqubo. Njenge Rajat abantu abaninzi asingawo aware malunga efanelekileyo yaziswe ka-ezikhoyo impilo sijongana kwaye, ke ngoko, rhoqo ubuso efana nale ngxaki. Eneneni, umntu kufuneka bazi xa uthatha ye-inshorensi yezempilo, omnye ulindeleke ukuba bazalise phezulu proposal iifomu, apho kuphela acele yaziswe na-nkqubo okhoyo. Eyona injongo ecela lento ngoba kukho igalelo lokulingana ezininzi imigaqo-nkqubo. Nangona norms malunga igalelo lokulingana kuba ngocoselelo itshintshe kutshanje, kodwa phambi singathi xoxa ukuba, masithi nathi kuqala uzakuyiqonda into a igalelo lokulingana. Igalelo lokulingana kuthetha ukuba kuba efanayo 'insured inzala' ukuba kukho ngaphezu kwesinye-nkqubo, ngoko ke kwimeko naliphi na ibango imeko yonke imigaqo-nkqubo kuza kuba negalelo kule no indawo ekuyo into kwi-sum insured. Umzekelo, ukucinga umntu sele u-health imigaqo-nkqubo ye-Rs omnye lakh kwaye Rs ezimbini lakh ngamnye kwaye lowo wenza ibango lomthetho Rs. Kule kwimeko yesi - insurers iya kuhlawula Rs, (mgaqo-nkqubo kunye Rs omnye lakh sum insured) kwaye Rs, (mgaqo-nkqubo kunye Rs ezimbini lakh sum insured), ngokulandelelana kwayo."Siyi-ingxowa-ukubonelelwa efanayo iimeko ikakhulu ngenxa steep ukwanda iindleko zonyango, nto ichukumisa imfuneko yokuba ephakamileyo sum insured imida. Ukususela uninzi insurers ikholisa reluctant ukuba kukhutshwe imigaqo-nkqubo ngaphaya ethile umda sum insured, ngokuxhomekeka ubudala kwaye underwriting izikhokelo le inkampani ngexesha zokuhlaziya, insured ke ngoko ingaba akukho oyikhethileyo kodwa kuthenga i-yesibini-nkqubo,"umhombandlela Paramjit Singh Dhingra, i-CEO, Prudent Insurance Brokers. Omnye babe kanjalo kuya kuba omnye umgaqo-nkqubo okanye imigaqo-nkqubo ukuba, ukucinga, omnye ngu ekubeni i-nkqubo kuvunyelwa ngumthetho omnye ke, umqeshi kwaye coverage ayikho sanele kuba lonke usapho. Omnye unakho ngokunjalo zithanda kuba ezahlukeneyo imigaqo-nkqubo kuba omnye ke, abazali ngokunjalo kuba omnye ke lowo utshate naye kwaye abantwana. Inokuba, njalo, zininzi izizathu apho omnye ungathanda ukuba kuya kuba ezininzi zempilo sijongana. Nokuba kube kunjalo, nangona kunjalo, kuphela ukuthenga ezininzi imigaqo-nkqubo ayikho ngokwaneleyo. Udinga ukuba sazi njani ukuba ukusetyenziswa kwawo ngobuchule kwaye inkqubo ukwenza ibango, kungenjalo ufuna kanjalo sifuna ubuso imeko ka-ukuphumela ibango septemba njenge Rajat. Umzekelo, kufuneka bazise malunga-nkqubo okhoyo okanye imigaqo-nkqubo ukuba enye kuphela(s) ngexesha ukuthenga i-nkqubo okanye owenza ibango ngokulula ngenxa ukuba wena musa disclose oku kunjalo, unoxanduva violating imimiselo nemiqathango inkqubo ye-inshorensi yezempilo isivumelwano kwaye kwimeko uphando olu basenokuba termed njengoko mis-umelo."Ukuba umthengi ngu ubambe ngaphezu kwesinye impilo-nkqubo, lowo unelungelo oyikhethileyo ukuba ukhetha ibango kunye na insurers. Umzekelo, ukuba lowo uphethe oyedwa impilo-nkqubo kunye Kuphela X kwaye iqela impilo-nkqubo kunye Kuphela Y, abe ukhethe ukwenza ibango lakhe kunye na insurers,"utshilo a esilibambela ka-Royal Sundaram Alliance Insurance Company Ltd. Nangona kunjalo,"kubalulekile inkqubo esisinyanzelo ukuba yena ubhengeze omnye umgaqo-nkqubo okanye imigaqo-nkqubo eziphethwe kuye kwi-ibango ifomu kunye claiming kuphela ngenxa kuphela ngomhla abo ibango wakhethwa unelungelo invoke imeko igalelo (lwe ye-amabango kwi indawo ekuyo into kwi-sums insured phantsi bazo imigaqo-nkqubo) kunye nezinye kuphela(s),"lowo yongeza. Kwi kwimeko yesi-apho umthengi uba u-nkqubo kuba Rs, - ngamnye kunye Kuphela X kwaye Y, kwaye lowo wenze ibango lomthetho Rs, insured unako ukukhetha ukuba ibango Rs, ukusuka omnye kuphela (ngokwamkela yakhe yonke originals) kwaye thatha septemba isiqinisekiso esivela lokuqala kuphela kwaye ibango le-ukulingana kunye yesibini kuphela kunye photocopies ka-ibango amaxwebhu. Kuya kufuneka ukuba abe kukhankanywe apha ukuze babekho abanye utshintsho imigaqo malunga claiming ukusuka ezininzi insurers.
Phambi migaqo, naliphi na ibango ukusuka ezininzi insurers kokuba abe kwi-phinda ka-coverage kwaye ubune ukwazisa bonke insurers xa usenza ibango.
Kodwa njengoko kuchaziwe entsha ye-inshorensi yezempilo imigaqo, apho yaqalisa ukusebenza nje iinyanga ezimbalwa emva, igalelo lokulingana ayisayi kuba oko kuyasebenza apha ukuba ibango lakho isixa-mali incinane kune sum assured ka kuphela apho ufaka claiming.
Kwaye kuphela ukuba ibango lakho isixa kungaphezulu sum assured mgaqo-nkqubo, inkampani ye-inshorensi unako imposiso yorhwebo lwangaphakathi igalelo lokulingana. Oku kunokwenziwa ngcono kuba ndaqonda kuthathelwa ingqalelo ezi zinto zilandelayo scenarios: kwimeko yesi-NYE: Apho ibango isixa akuthethi ukuba zingaphezu sum insured phantsi omnye umgaqo-nkqubo kwimeko ukuzikhusela kumabango imigaqo-nkqubo njenge Mediclaim okanye Esibhedlele Reimbursement uhlobo imigaqo-nkqubo, ukuba insured opts kuba ngaphezu kwesinye mgaqo-nkqubo kwi-nkqubo onjalo xesha kwaye ibango isixa-mali incinane kune sum insured, ngoko ke igalelo lokulingana ayisayi kusebenza. Umzekelo, ukucinga Mohan ubani Rs -lakh-nkqubo ukususela Kuphela-A no-a Rs -lakh-nkqubo ukususela Kuphela B, kwaye ibango isixa ngu Rs omnye lakh. Kwi-ngasentla kwimeko yesi, sele insured onke amalungelo khetha kuphela ngalowo ibango uya ube sowuzinzile kwaye insurance company ayikwazi imposiso yorhwebo lwangaphakathi na igalelo lokulingana kwaye ebotshiwe ukuba settle wonke ibango njengoko kuchaziwe-nkqubo imimiselo nemiqathango,"umhombandlela Suresh Sumatran, Intloko - ye-Inshorensi Yezempilo, Bajaj Allianz Jikelele ye-Inshorensi. Kwimeko yesi-EZIMBINI: Apho ibango isixa ingaba zingaphezu sum insured phantsi omnye umgaqo-nkqubo Ukuba isixa-mali ekufuneka thathwa exceeds sum insured phantsi omnye umgaqo-nkqubo, emva kokuqwalasela deductibles okanye co-ahlawule, ngoko ke, nkqu kule kwimeko yesi - insured sele onke amalungelo khetha kuphela ngalowo ibango uya ube sowuzinzile. Nangona kunjalo, enjalo kwimeko yesi-kuphela iya settle ibango emva usebenzisa igalelo lokulingana."Kwimeko ngexesha lokwenza ibango, insured akusebenzi disclose malunga nezinye i-inshorensi-nkqubo okanye imigaqo-nkqubo, ngoko ke kuphela ke eyimali yiyo kuphela ukuya kwi-sum insured kwaye insured iya kuba ukwabelana nabo kuphumla mthwalo bonke ngo ngokwakhe,"utshilo Sumatran. Kubalulekile, ke ngoko, eyakho inzala ukuba disclose malunga eminye imigaqo-nkqubo xa usenza ibango. Kwimeko yesi-EZINTATHU: Ibango phantsi Ochaziweyo Inzuzo imigaqo-Nkqubo igalelo lokulingana uza kanjalo hayi kuba apho kufanelekileyo-phantsi inzuzo. Akanalo na ngokunxulumene iindleko zonyango. Umzekelo, ukuba insured sele onayo Ochaziweyo Inzuzo imigaqo-nkqubo efana Kakhulu Ukugula, Esibhedlele Imali polices apho ibango akanalo na ngokunxulumene ne-unyango iindleko kwaye ziyabhatalwa isixa iqinisekile kwi-indalo, ngoko ke igalelo lokulingana ayisayi kusebenza, kwaye insured unako avail i-kuxhamla yonke imigaqo-nkqubo. A ochaziweyo ye-inshorensi yezempilo-nkqubo, enyanisweni, omnye apho izibonelelo ingaba ihlawulwe yonke kwi-mali isixa kwaye lo mgaqo-nkqubo oqhawula. Ngoko ke, ukuba insured ithathe, ukuthi, isibini kakhulu ukugula imigaqo-nkqubo, abe yena unako invoke kunye imigaqo-nkqubo kunye insurers iya kuhlawula i-mali isixa. Njalo, njengoko kuchaziwe nje isaziso ukususela Regulator kwi ye-inshorensi yezempilo, kuphela ingaba ibango nakweliphi kuphela yakhe oyikhethileyo ukugcina in khumbula ukuba imigaqo-nkqubo nemiqathango, kwaye igalelo lokulingana iya kusebenza kuphela xa ukuthelekisa inkcitho basemazweni eninzi ka-nkqubo.
Nangona kunjalo, xa usenza ibango, guiding-siseko zibe ukwenza ibango phantsi yobudala engama-nkqubo apho-ngokuqhelekileyo umgaqo-nkqubo sele ziyi - ukulinda ixesha kuba ezininzi izifo.
Ngawo onke amaxesha, insured kuhle advised ukufunda ngenyameko yonke imimiselo nemiqathango lomgaqo-nkqubo, kuba ngobukho coverages kwaye ibango ngokufanelekileyo. Kubalulekile ukuthatha isigqibo likhokelwa omnye ke, ukuthathwa oyikhethileyo kwaye kusekelwe yenkampani ye-inshorensi ibango septemba imbali yayo, lemveliso reputation.
