Nzvimbo dzakawanda dzekutengeserana pfuma dzine zvinyorwa zvemari . Iri gwaro rinopa chirango kune avo vanoita zvematongerwo enyika vanotadza kutenga mutengo wakakwana we inshuwarisi .
Inishuwarenzi Kukosha
Sei vatsigiri vekuchengetedza vanochengeta mari yakawanda yeinishuwarenzi yaunotenga? Chikonzero chacho chine chokuita neinishuwarenzi yekukoshesa . Inishuwarenzi yekukoshesa inoreva chiyero chemuganhu wako we inshuwarisi kune kukosha kweimba yako yekuchengetedzwa. Somuenzaniso, fungidzira kuti une chivako chiduku chehofisi.
Iwe unobvunzurudza nekonjikoni yezvivakwa kuti uone kukosha kwechivakwa chako pachinzvimbo chekubhadhara mari. Iwe nekontrakta unopedzisa kuti mari inoshandiswa yekuvaka iri $ 2 mamiriyoni. Iwe unosimbisa chivako pasi pekutengeserana kwepurazi yemugove pamucheto we $ 2 mamiriyoni. Inishuwarensi yako yekukoshesa chiyero i100%.
Zvikwereti zvizhinji zvehupfumi yehupfumi zvinosanganisira kurasikirwa kusarura Kana moto uchinge wapera mukati mekuvaka kwako, zvichida unoparadza chikamu chechimiro pane nzvimbo yose. Kana izvi zviri izvo, iwe haufaniri here kuvimbisa chivakwa chako chechikamu chekukosha kwayo? Mushure mezvose, unogona kuchengetedza mari yakawanda kana iwe ukachengetedza chivakwa, uchiti, hafu yezvakashandurwa kana mari chaiyo yeko mari. Mhinduro yacho kwete.
Chokutanga, chinangwa chekutanga che inshuwarisi ndechekukudzivirira pakurasikirwa kwezvinhu zvakashata. Kune mamwe mabhizimisi maduku ane pfuma, kuparadzwa zvachose kwechivako icho chinokonzera njodzi.
Kana chivako chako chinopisa, uye inshuwarisi yako isingakwanisi kupa mari yakakwana yekuvaka zvakare, iwe unogona kuva nekutambudzika kugara mubhizimisi.
Chechipiri, vambisi vehupfumi havazoperi kwenguva yakareba kana vose vavo vane mazano vatsigira pasi pfuma yavo. Pakupedzisira, vamwe vevashandi vacho vaizosimbisa kurasikirwa zvachose.
Ikokutanga yezvikwata zvinokonzerwa nemitemo hazvikwanisi kuvhara kurasikirwa kukuru.
Purpose of Coinsurance
Muhupfumi inshuwarisi , mari yekutengeserana yakagadzirirwa kukurudzira vashandi vehurumende kuti vatsigire zvinhu zvavo kune imwe nzvimbo yezana (kazhinji 80% kana 90%) yehuwandu hwavo. Coinsurance inogona kushanda kana nzvimbo yako iine inshuwarheni nokuda kwekubhadharwa kwayo kana kuti mari chaiye yeko mari.
Coinsurance inoshanda kuburikidza nekuisa chirango kune avo vanoita zvematongerwo enyika vanokundikana kutenga inshuwarisi yakakwana kuti vagutse mari yekubhadhara inoratidzwa mumatauriro. Hapana chirango chinoshandiswa kana iyo policyholder yatenga inshuwarisi yakakwana.
Icho coinurance clause haizovi nemigumisiro kwauri kusvikira iwe uchitambura kurasikirwa kwepfuma. Iyo inishuwarenzi ichazoenzanisa muganhu we inshuwarisi pamutemo wako (panguva iyo kurasikirwa kwaitika) kune mari yainishuwarenzi iwe unofanirwa kutenga zvichienderana nemari yekubhadhara mari. Kana chiyero chacho chiri pasi pe1, iwe uchange uri pasi pechirango.
Mune mutemo wezvokutengeserana kwemautengesi, iyo coinsurance clause inowanzowanika mumutemo weChigadziro chikamu. Icho chirevo chekuti mutemo wako une chinyorwa ichocho hazvirevi kuti mutemo wako unotungamirirwa nekubvumirana. Coinsurance inoshanda chete kana chikamu chemari yekutengeserana ichiratidzwa mune zvizivo chikamu chemurairo wako .
Muenzaniso
Ngatitii "80% coinsurance" inowanikwa mumashoko ekutengeserana kweimba yako. Izvi zvinorevei? Muenzaniso unotevera unoratidza kuti chirevo ichi chinoshanda sei.
Funga kuti iwe une chivako chawakaisa inshuwarheni panzvimbo yekubhadhara mari. Mari inoshandiswa kuti ichinje chivako ichi $ 1 mamiriyoni. Nemhaka yekuti coinsurance yevheji ndeyema80, unofanira kuchengetedza chivakwa chako che $ 800,000 (80% ye $ 1 mamiriyoni) kuti urege kurangwa. Fungidzira kuti iwe wakasarudza kuputira inshuwarisi. Kuti uchengetedze mari, iwe unosimbisa chivako chako pamiganhu ye $ 700,000. Mutemo wako une $ 5000 inobviswa .
Moto unopera mukuvaka kwako uye unokonzera kukanganisa kunodhura $ 200,000 kugadzirisa. Panguva yekurasikirwa, muganhu wako we inshuwarisi waiva $ 700,000. Kubva pane 80% yekubhadharwa kwekubhadharwa, iwe waifanira kutenga madhora $ 800,000.
Chiyero chemuwandu wamakatakura wakapatsanurwa nemari yaidiwa (700,000 / 800,000) ndeye .875. Kunyange zvazvo kurasikirwa kwako kwaiva $ 200,000, yako insurer ichabhadhara iwe $ 175,000 chete (200,000 X .875) kudarika $ 5,000 inotengwa kana $ 170,000. Your coinsurance penalty is $ 25,000.
Waiver of Coinsurance Mutsetse
Imwe yenzira yekupfuura ne coinsurance clause ndeyekutenga nzvimbo yekugadzirisa pane zvakabvumirana . Pasi pechisarudzo ichi, iwe nemubhadhari wako unobvumirana, musati muteyano wacho usati wabudirira, pane kukosha kweimba yako. Iko inogona kunge yakavakirwa pamutengo wekugadzirisa kana kuti chaiwo mari inokosha. Chibvumirano chekuvharidzirwa kwekugadzirisa kunoshandisa izwi remutemo. Kuti urambe uchienderera mberi kune nguva inotevera yechirongwa, unofanirwa kutumira zvinyorwa zvarakagadziridzwa zvehutano usati wapedza urongwa hwako huripo.
Imwe nzira inoshandiswa iyo inodzinga coinsurance clause inoburitswa kwekubika . Kukoshesa kuburitsa kunowanzoshandiswa apo pfuma inoshanduka ichichinja. Semuenzaniso, chitoro chezvitoro chinotengesa zvakasiyana-siyana kubva pamwedzi kusvika pamwedzi chinogona kusarudza kuisa tsananguro yezvinyorwa pamashoko ekutaura. Nhamba dzinoverengeka dzekupa mhinduro dzinowanikwa, dzakadai sekota, gore rega rega uye pamwedzi. Iwe unowanzobhadhara purogiramu yemari uye wobva waisa mitsara yepfuma yako yepamusoro pane purogiramu inotarisirwa neunishuwarenzi yako.
Dzimwe Mhando dzeInishuwarenzi
Coinsurance inoshandiswawo mune mamwe marudzi einishuwarenzi. Mienzaniso ndiyo utano uye inshuwarisi yezinso. Utano hwakawanda hwehutano uye hwemazino hunovhara kurapwa kana mazino mari maererano nehuwandu hwakatarwa hunoti 80/20 kana 70/30. Nhamba huru (80% kana 70%) inomiririra chikamu chinotambirwa ne inshuwarisi asi nhamba duku (20% kana 30%) ndiyo yeji yaunofanira kuripa.
Vamwe vatungamiri uye mapurisa mitemo mitemo ine coinsurance clause. Saizvozvowo, zvikamu zvakadaro dzimwe nguva zvinowanikwa muhutano hwemhizha (kana zvikanganiso uye zvisizvo ) mitemo. Izvi zvikamu zvinofanira kudziviswa sezvo zvingakubvunza kuti iwe ubhadhe chikamu chepi zvese zvinokanganisa mubayiro kana kugadzirisa.