Chii chinonzi Coinsurance?
Icho coinsurance clause inowanikwa mumamiriro ezvinhu chikamu chekutengeserana kwemahofisi. Chinangwa chayo ndechekukurudzira veneti vepfuma kuti vatenge yakawanda yemari yveshuwarenzi. Kana kurasikirwa kuchiitika, chirevo chinotonga varidzi vemazano avo vakatsigira pasi pfuma yavo nekuvakamanikidza kuti vave "vashandisi vemari." Izvi zvinoreva kuti vashandi vanofanirwa kubhadhara chikamu chekurasikirwa ivo pachavo.
Kana mari yekubhadhara inoshandiswa kune imwe nzvimbo yako, mari yekubhadharisa mari yakawanda, yakadai se80 muzana kana 90 muzana, inofanira kuonekwa muzviziviso zvepaimba. Iko muzana inomiririra huwandu hweinishuwarenzi iwe unofanira kuchengeta. Iyi mari inoratidzirwa sepamuviri yehuwandu hwehupfigiro hwako.
Semuenzaniso, fungidzira kuti watenge watenga chikwata chemari yekutengeserana inosanganisira 90 muzana coinsurance percentage. Icho chirevo chinosanganisira chivako chako uye pfuma yako, inokosha pa $ 2 mamiriyoni uye $ 500,000, maererano.
Kugutsa hutano hwekubhadhara iwe unofanirwa kuvhara chivako chako kwe $ 1.8 mamiriyoni (90 muzana ye $ 2 mamiriyoni). Saizvozvowo, unofanira kuchengetedza pfuma yako yega yega $ 450,000 (90 muzana yemadhora 500 000).
Nguva yechirango
Dambudziko guru ne coinsurance clause ndiyo nguva yechirango.
Muchengetedzi wako anoongorora mitemo yako panguva iyo kurashikirwa kurasikirwa kunowanikwa . Mumuenzaniso wekare, iwe unogutsa zvido zvekubhadharisa mukati mehutano hwako pawakatenga kutenga. Asi, pfuma yako inogona kukura muhuwandu panguva yematongerwo enyika. Kana kurasikirwa kuchiitika uye iwe wakundikana kutenga chinyorwa chinowedzera, zviyero zvako zvingasakundikana nemari inodiwa ne coinsurance clause. Kana zvikwereti zvako zvisingakwanisi, iwe uchave uri pasi pekubhadharwa kwekodzero.
Pane zvikonzero zvakawanda nei zvivako zvako zvingawedzera mukoshi. Zvichida wakawana pfuma itsva , yakadai sefenicha kana makombiyuta, izvo zvausinazvo apo mutemo wako wakabudiswa. Zvivakwa zvinogona kuwedzerwa muhuwandu munguva yematongerwo enyika nekuda kwekuwedzera kwezvinhu, kuwedzera kwekuvaka kwekuvaka, kana yekutengesa kwemahombekidzi. Iwe unogona kunge usingazivi kuti kukosha kweimba yako kwawedzera kusvikira kurasikirwa kuchiitika.
Chibvumirano Chokuita Nayo
Sezvo zita rayo rinoratidzira, chibvumirano chakabvumirana chinhu chekukosha kwepfuma iwe iwe nemubhizimisi wako unobvumirana pane pakutanga kwepurogiramu yako. Kuti uwane ruzivo rwakavakirwa kubva pachibvumirano chakabvumirana, unofanira kutumira chirevo chehutano kumubhizimisi wako isati yako mutemo unotanga kana kudzorerazve. Chirevo chehutano ndirwo runyorwa rweimba yako yehupfumi (zvivako uye pfuma yako) iyo inosanganisira kukosha kwechinhu chimwe nechimwe.
Pfuma inofanirwa kuenzanirwa maererano nemutengo wekugadzirisa kana mari chaiye yeko mari, chero ipi zvayo inoshandiswa pasi pemutemo wako.
Imwe mitemo yemitemo inowanzogadziriswa paIO fomu yakafanana kana pane fomu yakafanana inopiwa neu insurer. Bvunza vashandi vako kana kuti broker kuti akubatsire kana iwe uchida rubatsiro kupedza fomu.
Kana uchinge wapa zvinyorwa zvemitemo kumubhizimisi wako, mari inobvumirana iwe mumutemo wako ichagadziriswa kwegore rimwe (izwi remutemo wako). Kana kurasikirwa kuchiitika, pfuma yako ichaongororwa zvichienderana nekubvumirana kwekukoshesa chero bedzi iwe wakachengetedza zvinhu zvako zvechiyero ichocho. Kuti uenderere mberi kubvumirana kwekukosha kwekugoverwa gore rinotevera, unofanira kutumira chirevo chitsva chemitemo usati wapedza hurongwa huno. Kana ukakundikana kupa imwe, kubvumirana kwako kwekubvumirana kunopera uye iyo coinsurance clause ichagadziriswa zvakare.
Mienzaniso inofanirwa kuenzaniswa
Kuti uwane kuchengetedzwa kubva kune coinsurance pasi pemvumo yekubvumirana, iwe unofanira kuchengetedza mirenge yakaenzana nemitemo yakabvumirana. Izvi zvinoreva, kana chirevo chako chekutsika chichiratidza kuti mari yekusimudza chivako chako iri $ 2 mamiriyoni, unofanira kuchengetedza chivakwa chemuvakidhi we $ 2 mamiriyoni. Kana kurasikirwa kuchiitika uye iwe wakundikana kuchengetedza miganhu inoratidzwa muchitemo chako chekukosha, unogona kunge wakaramba uchibhadhara chikamu che kurasikirwa.
Pasi pemubvumirano unobvumirana, inonyanya kukoshesa mubhadhadziro yako ichabhadhara kurasikirwa kwezvinhu zvakakanganiswa ndiyo chikamu icho chikamu cheimba iyoyo chinosvika kune kubvumirana kwakabvumirana kweimba iyo yakaratidzwa mumashoko ekukosha. Somuenzaniso, fungidzira kuti iwe une chivako chawakaisa inshuwarheni panzvimbo yekubhadhara mari. Iwe wakachengetedza chivakwa chako pamucheto we $ 1.5 mamiriyoni. Zvisinei, chirevo chako chemitemo chinoratidza kuti kushandiswa kwemari yekuvaka kwako kuri $ 2 mamiriyoni. Purogiramu yako inosanganisira $ 1000 inobviswa .
Chimvuramabwe chikuru chinokonzera kukanganisa $ 100 000 padenga reimba yako. Muchengetedzi wako achafananidza kukosha kwekubvumirana kwekuvaka kwako kusvika kumuganhu wepurogiramu yako. Nokuti wakatsigira chivako chako ne $ 500,000, yako insurer haichabhadhara kurasikirwa kwako zvakakwana. Pane kudaro, ichabhadhara $ 74,000 chete. Heanoi kuverenga:
$ 1.5 mamiriyoni (chivako chako chekuvaka) chakakonzerwa ne $ 2 mamiriyoni (chibvumirano chakabvumirana) = .75
.75 kazana 100 000 (muwandu wekurasikirwa) = $ 75,000
$ 75,000 pasi pe $ 1,000 deductible = $ 74,000
Bhizimusi Kuwana Mari
Chimwe chekutenderana kwekubvumirana kunowanikwawo pasi pebhizimisi mari yveshuwarenzi . Kana izvi zvinyorwa zvatengwa, coinsurance clause inowanikwa mubhizimusi mari yebhizimisi harisi kushanda.
Kana iwe uchida kutanga chirongwa chekubvumirana kwakabvumirana, unofanira kuzivisa wako inshuwarisi. Unofanirwawo kutumira bhizinesi rezvemabhizimisi rinotsanangura mari yako yakarongwa uye yekushandisa mari kune imwe yeiyo inotevera:
- Iyi mwedzi gumi nemaviri isati yasvika musi webasa rekushanda
- Nguva yemwedzi gumi nemaviri iyo inotevera kutangwa kwebvumirano rako rinobvumirana rinokosha (kunyanya zuva rawakatanga purogiramu yako)
Kuti urambe uchibvumirana mutengo unobvumirwa gore roga roga, unofanira kutumira bhizinesi rezvebhizimisi rezvebhizimisi risati rasvika purogiramu yako ichivandudza. Kana iwe wakasarudza sarudzo iri pasi pebhizinesi yemari yveshuwarenzi, kukosha kwakabvumirana kunofanira kuverengwa pane chikamu chekuzivisa nezvematongerwo emitemo yako. Iyi kukosha inofanira kuenzana nemari yevimbiso inoratidzirwa mumashoko ekuparidzirwa yakawanda nekufungidzirwa kwekuwana mari uye mari (chinhu cha2 chiri pamusoro).
Somuenzaniso, fungidzira kuti bhizimusi rako rekubhadhara mari rinotarisirwa ne50% coinsurance. Wakafungidzirwa kuti mari yako uye mari yako yemwedzi 12 inotevera ndeye $ 1 mamiriyoni. Mari yako yebhadharo inofanirwa kunge inenge inenge $ 500,000 (50 muzana ye $ 1 mamiriyoni). Kana iwe ukatsigira kukwana kwema $ 100 000 emari yebhizimisi uye bhizinesi rezvemabhizimisi rako rinenge madhora $ 500,000, hapana coinsurance ichashandiswa. Mari yako ye $ 100,000 inofanira kubhadharwa zvakakwana (kana pasina deductible inoshanda).
Mumuenzaniso wekare, funga kuti bhizinesi rebhadha yako ndeye $ 400,000 chete. Iwe wakundikana kutenga muganhu unodiwa we inshuwarisi. Kunyanya iwe mubhadhari wako achabhadhara iri $ 80,000, yakaverengwa sezvinotevera:
$ 400,000 muganhu wakapatsanurwa ne $ 500,000 vakabvumirana mutengo = .80
$ 100,000 nguva yekurasikirwa .80 = $ 800,000