Onetsetsani Kuti Zomwe Zimakhala Zochepa Pansi Sizingakhale Zowonjezereka Mu Long Run
Chaka chilichonse zikuoneka kuti tikukumana ndi kukwera mtengo kwa inshuwalansi ya umoyo . Choncho pankhani ya kusankha ndondomeko yathandizira inshuwalansi yabwino , ndikuyesa kukonza ndondomeko yomwe ili ndi malipiro ochepa kwambiri pamwezi uliwonse.
Komabe, malingaliro omwe ali ndi ndalama zochepetsera mwezi uliwonse ndizo ndondomeko zomwe zili ndi mtengo wapamwamba kwambiri wa ndalama, komanso. Malingana ndi thanzi la banja lanu, akhoza kukhala osankha mwanzeru, kapena angakhale tsoka la thanzi ndi / kapena lachuma kwa inu.
Dzina "loopsya" likuyenera kutanthauza kuti ngati mutadwala kapena kuvulala moyipa - chochitika choopsya - ndiye kuti mukakhala ndi inshuwalansi ya umoyo wanu kuti muthe kulipira ndalama zochuluka choterechi kukutengera. Mapulani a inshuwalansi a "high deductible" ndi "oopsa" ndiwo maina awiri omwe ali ndi dongosolo lomwelo.
Pano pali mfundo zina zam'mbuyo zokhudzana ndi momwe mapulani a inshuwalansi oterewa akugwirira ntchito komanso momwe mungasankhire ngati ali oyenera, kapena osasankha.
Momwe Amagwirira Ntchito
Njira yabwino yodziwira ngati ndondomeko ya inshuwalansi yapamwamba yodalirika ndi yabwino kwambiri ndikumvetsetsa momwe amagwirira ntchito.
Tiyeni tiyambe ndi matanthauzo ena:
- Choyambirira ndi malipiro anu pamwezi pa inshuwalansi yanu.
- Deductible ndi momwe mungaperekere chithandizo chanu chachipatala pamaso pa kampani ya inshuwalansi.
- Pali mitundu iwiri ya mapepala. Yoyamba ikufanana ndi "kulowa pakhomo" - kawirikawiri ndi $ 12 kapena $ 25 kapena ndalama zina zomwe zimakupangitsani kuti muganizire mobwerezabwereza za kupanga msonkhano kapena kugula mankhwalawa. Izi zikutanthauza kuti mumadziwa kuti chithandizo chanu chamankhwala sichimasulidwa.
Mtundu wachiwiri ndi phindu la ndalama, monga 80/20, amatchedwanso " coinsurance ," kutanthauza kuti mutapitirira malire anu, mudzabwezera 20 peresenti ya biliyo ndipo bwana wanu wa inshuwalansi adzalipira 80%.
Kampani yanu ya inshuwalansi ya umoyo imayesetsa kupeza ndalama zambiri monga momwe ingathere kuchokera kwa inu ndikulipira ndalama zochepa zomwe zingatheke m'malo mwanu. Iwo ali mu bizinesi kuti apange phindu, kotero iwo awo amatenga, amatenga, amatenga-koma samalipira zochulukirapo.
Vuto ndilo, ngati simungakwanitse kupereka malipiro (malipiro omwe mumapanga mwezi uliwonse) ndiye kuti simudzagula inshuwalansi.
Kotero iwo akufuna kuti akupatseni inu chisankho chomwe chingakupangitseni inu malipiro apang'ono mwezi uliwonse ndipo mukufuna kuti muthe kulipira zambiri mu thumba lanu pamene mukusowa thandizo lachipatala. Izi zikutanthauza kuti iwo sadzasowa kulipira aliyense m'malo mwanu mpaka padera paliponse.
Choncho makampani a inshuwalansi amapanga mapulani osiyanasiyana omwe akufuna kuti muwone "ngozi" yanu - mwayi wodwala kapena wovulala, mwayi woti mufunika kulowa mu inshuwalansi yanu, mwayi woti akuyenera kulipira kwambiri mavuto azachipatala.
Ndondomeko yowonongeka, yokhala ndi mtengo wapamwamba koma wotsika mtengo, imatanthauza kuti mudzalipira kampani ya inshuwalansi zambiri ndipo adzakulipirani zambiri. Mudasankha kuti chiopsezo chanu chodwala kapena chopwetekedwa ndi chokwanira kwambiri kuti chiyenera kulipira mwezi uliwonse.
Mapulogalamu apamwamba kwambiri, mapulani osokoneza bongo omwe amalembedwa kwambiri komanso otsika mtengo amatanthauza kuti mudzalipiritsa ndalama zambiri poyamba kampani ya inshuwalansi iyamba kukulipirani konse. Mudasankha kuti chiopsezo chanu chodwala kapena chopwetekedwa ndi chochepa ndipo mukhoza kusunga ndalama mwa kusapereka ndalama zambiri zothandizira inshuwalansi.
Zitsanzo
Ndondomeko ya inshuwalansi yodalirika ingakufunseni kulipira $ 1,000 pamwezi ku kampani ya inshuwalansi, ndipo deductible ndi $ 500.
Mukamaliza kale ndalamazo, mukamapita kwa dokotala ndikulembera kalata, iwo adzakuuzani kuti, "Odwala wodwalayo - umalipira ndalama zokwana $ 25 kuti adziwe dokotala wanu ndi $ 15 kuti adzalandile mankhwala ndipo tidzalipira zina zonse." Kumapeto kwa mweziwu, ngati simukumuwona dokotala kuposa pamenepo, ndiye kuti mwataya $ 1,040 kuti mukhale ndi thanzi lanu mwezi umenewo.
Ndondomeko ya inshuwalansi yapamwamba / yopweteketsa ingakufunse kuti uwalipire $ 500 pamwezi kwa kampani ya inshuwalansi, koma ndalama zako ndi $ 2,500. Chitsanzo chofanana - kupita kwa dokotala ndipo amalemba mankhwala. Nthawi iyi yokha, mwakhala mukulipira maofesi ($ 100) ndi mankhwala (madola 15) - koma chifukwa chakuti ndalama zanu zapatsidwa kwambiri, simunagwiritse ntchito chaka chomwecho, choncho kampani ya inshuwalansi sichilipira kalikonse m'malo mwanu.
Mtengo wanu wonse mweziwo ndi ($ 500 premium + $ 100 + $ 15 =) $ 615.
Tsopano, ngati mutangopita kwa dokotala nthawi imodzi m'mwezi umenewo, ndiye kuti mapulani anu apamwamba kwambiri ndi opambana kwa inu chifukwa ngati mutapereka ndalama zogula mtengo, ndiye kuti mutagwiritsa ntchito madola 435 kuposa momwe munaperekera ndondomeko yanu yowopsya yochepetsera thanzi lanu.
Komabe, tiyerekeze kuti mwana wanu akugwa pa skateboard yake. Iye akuvutika ndi kukangana kumene kumamugwedeza iye kunja. Choipitsitsa, amathyola mkono wake m'malo atatu, omwe amafunikira opaleshoni kuti aike mkono wake ndi kuwupaka kuti awone bwino. Ndalama! Mapepala oyambirirawa adzakhala osakhumudwa kwambiri. Mulipira ndalama zokwana madola 2,500 kuphatikizapo ndalama zoposa 20% - mwina madola zikwi zambiri. Pokhala ndi ndondomeko ya inshuwalansi yathanzi, ndalama zanu zowonjezera zingakhale zochepa kwambiri.
Momwe Mungasankhire Ngati Mapulani Opambana / Mapulani Oopsa Adzakugwirani Ntchito
Ngati inu ndi achibale anu muli ndi thanzi labwino komanso simukusowa maulendo ambiri a dokotala, malo ogona kapena mankhwala a chaka chimodzi, ndiye kuti mapulani okwera kwambiri angagwire ntchito bwino kwa inu.
Komabe, ngati inu ndi a m'banja mwanu muli ndi mavuto alionse azachipatala, monga momwe mungakwaniritsire kukakumana ndi chiguduli chilichonse kapena matenda aakulu a mtundu uliwonse, ndiye kuti ndondomeko yathanzi yapamwamba yotenga ndalama ingakuwonongereni kwambiri mu thumba lanu nthawi yaitali.
Ngati mukuganiza kuti ndondomeko yowonjezera ya inshuwalansi yowonjezereka ikugwirizana ndi zosowa zanu, ndiye mutha kupulumutsa ndalama zambiri pogwiritsa ntchito akaunti ya ndalama (HSA). HSAs imakulolani kuti musunge ndalama, opanda msonkho, kulipirira mtundu uliwonse wa ndalama zamankhwala. Mosiyana ndi ndalama zina zowonjezera ndalama, ndalama sizimatha kumapeto kwa chaka ngati simugwiritsa ntchito ndalamazo, ndipo zingagwiritsidwe ntchito nthawi iliyonse m'moyo wanu kuti mupereke ndalama zothandizira. Komanso, ndizotheka , kutanthauza kuti mungasinthe ntchito kapena kupuma pantchito komanso ndalama zomwe mwazisunga zidzakupitilirani.