Nini I-COVID-19 yema ngxi ngesiquphe in 2020, abahambi bothuka kukufumanisa ukuba i-inshurensi yabo ayigubungelanga iinguqu zokuhamba ngenxa yobhubhane okanye ubhubhane. Uninzi lwabahambi ababesendleleni njengoko ukuvalwa kweminyango kwaqala kwafuneka bakhuphe eyabo imali ukubhukisha iinqwelo moya zangaphambi kwexesha ekhaya, ngelixa abo babenohambo olucwangcisiweyo kwixa elizayo ngesiquphe bayikhupha yonke imali echithwe kumatikiti angabuyiswayo kunye neendawo zokuhlala.
Ngoku njengoko uhambo lucotha kwakhona, unokuba ekuzingeleni isicwangciso seinshurensi yokuhamba engayi kukushiya uphezulu kwaye womile ukuba kufanelekile ukuba kwenzeke. Kwaye ezinye iindawo ezifuna ukuba ube neinshurensi yezonyango. Ukuba udidekile ukuba uqale ngaphi, siyifumana - inzima. Yiyo loo nto silapha ukuza kukhetha ukhetho lwakho. Nokuba yeyiphi na imigaqo-nkqubo oyikhethayo, qiniseka ukuba ufunda iprinta elungileyo ngononophelo kwaye uthethe nomboneleli wakho malunga nayiphi na inkxalabo.
1. Rhoxisa kuso nasiphi na isizathu (i-CFAR) i-Inshurensi
Ukuba ukhathazeke kakhulu ngokulahlekelwa yimali kuhambo lwakho, i-inshurensi yeCFAR yeyona nto isicwangciso esona silungileyo kuwe. Kubahambi abanenkxalabo engenakugutyungelwa ngumgaqo-nkqubo oqhelekileyo, kubandakanya uloyiko lokuhamba ngenxa ye-coronavirus okanye ukunqunyanyiswa kokuhamba ngesiquphe, ukuRhoxisa kuso nasiphi na isizathu sokugubungela kuhlala yeyona ndlela ilungileyo, utshilo uKasara Barto, isithethi sendawo yokuthelekisa i-inshurensi yokuhamba i-Squaremouth. Olu hlaziyo lubuthathaka ngexesha lufumaneka kuphela phakathi kweeveki ezimbini ukuya kwezintathu zokuqala kubhukisho lohambo, ke abahambi abanomdla kule ngxelo inesidima kufuneka bafune umgaqo-nkqubo ngokukhawuleza emva kokubhukisha uhambo lwabo.
Eyona nto iphambili kwi-inshurensi yeCFAR kukuba iyabiza kwaye ayiqinisekisi ukuba uyakufumana yonke imali yakho. U-Barto uphawula ukuba izicwangciso ze-CFAR zibiza kakhulu ngama-40 eepesenti kunemigaqo-nkqubo ye-inshurensi yokuhamba, kwaye zifikelela kuphela kwimali engama-75 ekubuyiselweni kweendleko zohambo ezingabuyiswayo. Okukwintsusa: Olu hlobo lomgaqo-nkqubo lunokufanelekela kuphela ukuba uthatha uhambo olubiza ngokwenene.
2. I-inshurensi ejongene nesifo esithile
Ngelixa uninzi lwababoneleli ngeinshurensi beyigcinile imigaqo-nkqubo yabo ifana kakhulu (okt basayikhuphela ngaphandle ubhubhane njengesizathu sokugubungela), abambalwa abakhethiweyo banikezela ngezicwangciso ezitsha ezenzelwe ngokukodwa ubundlobongela bokuhamba ngaxeshanye. IiKona ezisixhenxe, umzekelo, zinayo ukhetho olubandakanya i-COVID-19 yokugubungela unyango , esivumelekile ukuya kuthi ga kwi-100,000 yeedola kwiindleko zonyango ezinxulumene ne-coronavirus. Okwangoku, u-Allianz wongeze ulungiselelo olukhethekileyo lwe-COVID-19 kweminye yemigaqo-nkqubo egubungela ukurhoxiswa, ukuphazamiseka, kunye neendleko zonyango ezivela ekufumaneni intsholongwane ngaphambi okanye ngexesha lohambo. Kwakhona, ukufunda ukuprinta okuhle kubalulekile apha.
Kukwakho nemigaqo-nkqubo yeinshurensi yokuhamba esele yenziwe ngokukodwa ngeendlela ezintsha abantu abahamba ngazo - ezizezi, iindlela zekhaya. Ukukhuselwa kokuhamba kweBerkshire Hathaway kusungule eyayo Umgaqo-nkqubo weLactCare Lite ngenxa yeso sizathu ngqo.
Ukuba uhamba ekhaya, khumbula ukuba i-inshurensi yakho yezempilo inokukugubungela kuhambo lwakho. Kwimeko apho, ukurhoxa kohambo kuya kuba sesona sibonelelo sibaluleke kakhulu kwaba bahambi, njengoko inokubuyisela imali kwiipesenti ezili-100 zeendleko zabo zohambo ezingabuyiswayo ukuba kuye kufuneke barhoxise ngesizathu esigutyungelweyo, utshilo uBarto.