Zvinotenderwa kana Zvichida
A deductible kana SIR inogona kuiswa mumutemo kana kuwedzerwa kuburikidza nekubvumirwa . Inogona kunge inosungirwa (inoshandiswa nemubhizimisi) kana kusarudza. Anishuwarenzi angave asingadi kugovera chimwe chiitiko pasina deductible kana SIR.
Muenzaniso ndeye mutauro webasa rekutsvaga . Mabhiriji anopiwa nevakatsigiri vakawanda anosanganisira SIR. Kana iwe uchida kutenga mutemo unofanira kubvuma SIR.
A deductible kana SIR inogonawo kudiwa kana kambani yako ine kurasika kurasikirwa rekodhi kana inobatanidzwa mubasa rinokuvadza . Semuenzaniso, mitemo yakawanda inotengeswa kune vashandi vekugadzira denga kakawanda inosanganisira zvinoregererwa kugadziriswa pamasipirwo ezvakaipa.
Mune zvimwe zviitiko, deductible kana SIR inogona kuwanika sarudzo yekuderedza premium yako . Deductibles inoshandiswa nokuda kwechikonzero ichi mumashandiro ekubhadhara inishuwarenzi. SIR dzinowanzoshandiswa muhutano hwehutano hwemhosva. Mabhizimisi makuru makuru ezvo aine mari pamutoro wavo wekubhadhara pamusana pekusarudza mutemo ne SIR we $ 100 000 kana kupfuura.
Kunyange zvazvo deductible uye SIR vanoita zvinangwa zvakafanana, vane zvimwe zvakasiyana-siyana. Izvi zvinoratidzwa pasi apa.
Deductible
Chimwe chekusiyanisa chikamu che deductible ndechekuti inoderedza kuwanda kwehushandi huripo.
Somuenzaniso, fungidzira kuti mukuru wako wekutonga mutemo unosanganisira $ 5,000 inotengeswa pfuma yekurasika kurasikirwa. Zvaunoita Zvose Zvikamu zvinokwana $ 500,000. Iwe unokanganisa unokonzera moto mukuru unobhadhara $ 505,000 pfuma yekukuvadza kwepfuma. Mushandi wako anopa mari $ 495,000 ($ 500,000 muganhu kuderedza $ 5,000 inotengwa).
Iwe unofanirwa ne $ 5,000 deductible pamwe ne $ 5,000 mukukuvara kunopfuura chikamu. Nemhaka yekuti deductible inodzingwa kubva pamuganhu, iyo yose muganhu haisipo kuvhara kurasikirwa.
Kana ichinyorwa mubumbiro remitemo, re deductible rinowanzoshanda kune zvinokuvadza chete. Iyo inshurenzi inotarisira kudzivirirwa kwako uye inopa zvose zvinodhura zvinodhura. Izvi zvinodhura hazvisi pasi pezvakawanikwa. Mumuenzaniso unotsanangurwa pamusoro apa, fungidzira kuti mukana wako wekuchengetedza mari inopa $ 50,000 mumatare epamutemo kuti ugadzirise pfuma yako kukuvadza kuda. Imhosva yepamutemo haigoni kuiswa mune iyo deductible. Muchengeti wako wekubhadharira aripa iyo seAddingary Payments pamwe ne $ 495,000 mukukuvara.
Self-insured Retention
Kusiyana ne deductible, self-insured retention haina kuderedza chikamu chako che inshuwarisi. Pane imwe nguva SIR yako yakagutsikana muganhu wose unowanika kubhadhara zvikwereti. SIR dzinowanzowanikwa mukukanganisa uye kusiyiwa (mutoro wemhosva) mazano.
Mumuenzaniso wekare, funga kuti mutemo wako wose wekutonga unosanganisira $ 5,000 SIR panzvimbo yekudzikinurwa kwezvinhu zvinokanganisa zvinhu. Mutemo wako wakatarisa uye chiyero chekutsvaga chakafanana nechapamusoro. Muchiitiko ichi, iwe uchabhadhara $ 5,000 yekutanga mukukuvadza (yako SIR) uye mubhadhari wako achabhadhara mari inosvika $ 500 000 (mutemo iwoyo).
I-SIR haina kuderedza muganhu wako.
A SIR anogona kushanda kune zvinokanganisa chete kana kuti kukuvadza uye kuda mari. Kana mari yekuda mari inosanganiswa, mutemo wako unofanirwa kujekesa kana iwe kana wako inshuwarheni inotarisirwa kugadzirisa zvirevo. Kazhinji, wako inshuwarisi achagadzirisa kudai uye achakupa chikwereti chako chechikamu chemari yekuda mari yako (yako yekuchengetedza mari). Mimwe mitemo inogona kutaura kuti iwe une mhosva yekubata zvido kusvikira SIR yako yapera.
Terminology Handizvo
Mashoko akatsaurwa uye anozvimiririra kuchengetedza haasi nguva dzose anoshandiswa nenzira isingachinji. Inyoyo inogona kuva ne "deductible" inoshanda seSIR. Izvo zvakashata zvakare ndezvechokwadi. Saka, zvakakosha kuverenga hurongwa hwako zvakanyatsonaka. Kana iwe usinganzwisisi kuti deductible kana SIR inopindira sei kugoverwa kwako, bvunza mutengesi wako kana mutengesi kuti akubatsire.