Khetha i-Inshurensi exhomekeke
Zixhaphake kangakanani izikhalazo ze-Inshurensi yaseFama kaRhulumente? Akukho nkampani yeinshurensi exolelweyo ekufumaneni izikhalazo kubathengi, kwaye iFama State ayifani.
iividiyo ezihlekisayo zabantwana ukuba babukele kwi-Intanethi
Ukuvavanya izikhalazo zeinshurensi yaseburhulumenteni yaseFama
Xa kuvavanywa izikhalazo zabathengi kuyacaca ukuba kunokwenzeka ukuba ufumane izikhalazo ngayo nayiphi na inkampani nokuba inkampani ibakhonza njani na abathengi bayo. Iinkampani ezingenzi msebenzi mhle kakhulu ukubonelela ngenkonzo esemgangathweni kubathengi banezikhalazo ezingakumbi kwi-Intanethi. I-Inshurensi yaseFama Yombuso ineentlobo ngeentlobo zezikhalazo ezithunyelwe kwiindawo ezahlukeneyo kwi-intanethi.
Amanqaku afanelekileyo
- Ukugcwalisa amabango e-Inshurensi yaseFama
- Ukubhengeza iBango leMedicare
- Uyiqala njani iArhente yeinshurensi
Izikhalazo malunga ne-Inshurensi yaseFama kaRhulumente
Ngokusekwe kwinqanaba lezikhalazo kwi-Intanethi, inani labaqhubi abaye bafumana ingozi nomntu oqinisekiswe yiFama kaRhulumente bafumanise ukuba inkqubo yokusombulula amabango inokuba nzima kakhulu. Kwiimeko ezininzi, abaqhubi bafumanise ukuba iFama yaseburhulumenteni iyakwala ukuhlawula iindleko ezenziweyo ngumqhubi onetyala, enyanzelisa ukuba ityala lingene kulamlo. Kwimeko yeinshurensi yomninikhaya, abathengi abaninzi baxela ukuba iFama Yombuso ihlawulelwe amabango, ngakumbi amatyala alandela inkanyamba uKatrina. Kumatyala akwi-intanethi axelwe ngabathengi, iFama yaseburhulumenteni ayikhange iphendule ngokukhawuleza kwizikhalazo. Ngokwale akhawunti, kuphela ngabathengi abangadinwayo kunye nenja ekuqhubeni kwabo ekugqibeleni bafumana intlawulo efanelekileyo. Kwiimeko ezininzi, inkqubo yenkundla kuye kwafuneka ibandakanyeke.
Imizekelo yeZikhalazo zabaThengi
Amaqela ajonga abathengi ngamanye amaxesha agcina iiforamu zabathengi ukuba bathumele izikhalazo malunga neenkampani ezahlukeneyo. Iibhodi zezikhalazo ezijolise kwiFama kaRhulumente zigcwele uluhlu lwemicimbi, ukusuka ekwenqabeni ukuhlawula amabango e-inshurensi ngokusemthethweni kubuqhetseba bemida kunye noloyiko. Ezi webhusayithi zilandelayo zibonelela ngesampulu encinci kwezo zikhalazo.
- Imicimbi yabathengi udwelisa izikhalazo ukuqala yonke indlela kude kube sekupheleni kweminyaka yoo-1990. Uninzi lwezi zikhalazo zizincoko ezipheleleyo zemihlathi emithathu okanye emine, enika iinkcukacha ezincomekayo ngokubhekisele kumatyala omntu ngamnye.
- Ivili eliSqueaky unezikhalazo ze-Inshurensi yeFama kaRhulumente ezichaza indlela yokuziphatha ephazamisayo kwi-inshurensi.
- My3Cents Iinkcukacha ezininzi zamatyala apho iFama yaseburhulumenteni izama ukunqanda ukuhlawulela amabango asemthethweni. Kuphela ngabathengi abalandela umcimbi ekugqibeleni bafumana intlawulo.
- UMthengi inqaku lokudweliswa kwamacandelo - amanye ahlekisa- avela kubathengi beFama yaseburhulumenteni. Esinye isihloko esihlekisayo sithi, 'Njengommelwane olungileyo, ifama yaseburhulumenteni ifuna ukweba imali yakho kwaye ikuthumele ejele.'
Ukuhambisa Izikhalazo
Ngayo yonke loo nto ithethwayo, abathengi abaninzi bafaka ngempumelelo amabango kwiFama kaRhulumente kwaye ekugqibeleni bafumana itshekhi yebango. Ekugqibeleni, impumelelo yakho ngebango le-inshurensi yehla ukuze uhlale ngaphezulu kwenkqubo kunye nokutyhala ibango njengoko kufuneka. Kungathatha ixesha elininzi ukwenza oku, kodwa zimbalwa iinkampani zeinshurensi apho olo hlobo lokuthatha inxaxheba kwabathengi alufuneki ukuze kugcinwe inkqubo yamabango iqhubela phambili. Olu luhlobo nje lweshishini.
Ukungenisa isikhalazo kwiFama yasebuRhulumenteni
Iindaba ezimnandi zezokuba iFama yaseburhulumenteni ibonakala ngathi yenza umzamo odibeneyo wokuphucula indlela yokuziphatha kunye neenkonzo kubathengi. Ukuba Umgaqo wokuziphatha waseFama kaRhulumente wango-2009 Ngaba kukho nawuphi na umqondiso, inkampani isebenza nzima ukuguqula imeko yoluntu engendawo ngokusebenzisa umntu wesithathu ozimeleyo ekusingatheni imiba yokuziphatha enqwenelwa kukuxelwa ngabasebenzi. Abathengi banakho ukufaka ifayile yezikhalazo ngqo kwiFama kaRhulumente. Iziko lewebhu leFama Yaseburhulumenteni licebisa le nkqubo ilandelayo xa ungonelisekanga okanye uziva ngathi uphathwe ngendlela engenabulungisa.
- Okokuqala, zama ukusebenza nommeli wakho weFama kaRhulumente.
- Emva koko, cela i-Arhente yeSigqeba soMmandla we-Arhente (AFE) kwaye uchaze imeko yakho.
- Ukuba kukho ingxaki kwibango lakho, cela ukuthetha nomphathi wommeli wakho webango.
Ukungenisa isikhalazo kuRhulumente kunye nooRhulumente base-Federal
Ukuba wenze konke okusemandleni akho ukuba usebenze ngqo neFama Yombuso ukuze usombulule ibango elithile, kodwa ufumanise ukuba ibango alihoywa okanye lihlala lingahlawulwanga xa kufanele ukuba utshekishwe phantsi kwemigaqo-nkqubo yakho, enye indlela ukuxela ingxaki kwi IBusiness Business Bureau. Cofa nje kwikhonkco elithi 'Fayile isiKhalazo' kwiphepha eliphambili lewebhu leBBB. Inkqubo ye- Umbutho weSizwe weKhomishini ye-Inshurensi (i-NAIC) ibonelela ngemephu onokuyisebenzisa ukufumana iBhunga likaRhulumente lakho le-inshurensi. Fumana icandelo lolwazi lomthengi kwiphepha lombuso kwaye ungenise isikhalazo esichaza imiba onayo.
Sebenzisa ulumkiso
Wonke umsebenzisi weinshurensi kufuneka enze uphando ngononophelo kwinkampani kwaye enze inyameko efanelekileyo ngaphambi kokuba asayine nayiphi na ikhontrakthi nenkampani yeinshurensi. Akukho mntu ufanele acinge ukuba ngenxa yokuba uhlawula iipremiyamu zakho zeinshurensi ngexesha elithetha ukuba uya kukhuselwa kwimeko yeengxaki. Kwezinye iimeko kungcono ukuhlawula ipremiyamu ephezulu kunye nenkampani yeinshurensi ezinzileyo enegama elihle endaweni yokuhamba nenkampani yeinshurensi enedumela elibi lokugcina nje iidola ezimbalwa ngenyanga.
Xa kuziwa kukhuseleko nosapho lwakho, inkampani yeinshurensi oyikhethileyo kufuneka ibe yile ungathandabuzekiyo ukuba ungayithemba.
Ucoceka njani imigangatho yeethayile yodongwe neviniga
