Zvirongwa zvekuparadzanisa zvinotarisirwa nehurumende yemainshuwarisi madhipatimendi. Zvizhinji zvematongerwo enyika zvinoda bhizimisi kuti vape zvirongwa zvavo kune inshuwarisi rinotarirwa kuti rigamuchirwe. Mhando yeurongwa huripo hunosiyana kubva kune imwe nyika kuenda kune imwe nyika uye kubva kune inshuwarisi kusvika kune inshuwarisi. Vamwe vatsigiri vanoshandisa zvirongwa zvakagadzirwa neCNCI apo vamwe vanoshandisa zvirongwa zvavo zvehupfumi.
Zvinotarisirwa nePeumum uye Loss
Kuti uwane chikamu chekugoverana, iwe unofanirwa kusangana nechemari premium threshold inotsanangurwa muurongwa. Kune dzimwe zvirongwa, kukodzera kwako kunogonawo kuvimba nekurasikirwa kwako. Iko kurasikirwa kwako kunoratidzirwa se peresenti uye inoratidzirwa nekuparadzanisa kurasikirwa kwako nemari yako yepamusoro. Kugovera kuverenga kunobva pane yako yakaora kurasikirwa. Mari yako yekurasikirwa yakatarwa inoratidzirwa nekuparadzanisa mari yako yakakonzerwa nemari yako yawakagamuchira yegore remitemo.
Kuwedzerwa kurasikirwa kunoreva kurashikirwa kwamakachengetedza munguva yehurongwa. Kuti uverenge kurasikirwa kwako kwakaitwa, inshurenzi inowedzera zvinotevera zvitatu:
- Kurasikirwa Kwemari Iyi ndiyo mvumo yevashandi mari yekubhadhara inobatsira mubhadhadzi wako anenge atobhadhara kune vashandi vako nokuda kwekukuvadzwa kwakasimbiswa munguva yemutemo.
- Kurasikirwa Kwekuchengetwa Izvi ndizvo zvinofungidzirwa mune ramangwana iwe unofambisi wako anotarisira kubhadhara kukuvadzwa kunotsigirwa nevashandi munguva yemitemo.
- Kurasikirwa Kwekugadziriswa Kwezvinhu Izvi zvinodhura yako inshuwarheni yakave yakagadzirisa kugadzirisa zvikonzero zvinokonzerwa nekukuvara kwakasimbiswa panguva yegore remitemo. Kazhinji, yako insurer ichasanganisira chete mari inogona kugoverwa kudai.
Purogiramu yako yawakagamuchira ndiyo iyo yawakambomira pamutemo wegore zvichienderana nemari yako chaiye yebhadharo. Mari yako chaiyo yekubhadhara inotsanangurwa nekuongorora kwekupedzisira iyo inopera mushure mokunge mutemo wako wapera. Muenzaniso unotevera unoratidza kuti mari yako yakarashika yakaverengwa sei.
Ngatiti iwe wakabhadhara $ 6,000 premium pamusi wokutanga webasa rekubhadhara vashandi rakatanga musi waJune 1, 2017. Dare rako rakapera musi waJune 1, 2018. Nguva pfupi pashure pacho, inshuwarisi yako yakagadziriswa kwekupedzisira. Mutori wenhepfenyuro wenyu wepayimari yakagadzirisa kuti mari yako yekubhadhara yakawedzerwa munguva yematongerwo enyika, zvichiita kuti uwane premium ye $ 1 000. Purogiramu yako yawakagamuchira yemutengo wehurukuro yaive $ 7,000 ($ 6,000 premium premium pamwe ne $ 1 000 premium premium).
Mumwe mushandi wako akakuvadzwa munguva yechirongwa, uye mubhadhari wako akabhadhara mushandi we $ 2,000 muzvibereko. Muchengetedzi wako akabatanidza $ 300 muzvinoshandiswa kuti uchinje kudai. Kurasikirwa kwako kwemazuva iwayo kwaive $ 2 300 ($ 2,000 uye $ 300). Nhamba yako yekurasikirwa yakagadzirirwa yepurogiramu yakange iri 33% ($ 2 300 / $ 7,000).
Mitemo yeDhipidend Plans
Pane zvitatu zvakakosha zvezvirongwa zvekugoverana zvinowanikwa kune vadiki vhizimisi vemabhizimisi: flat, variable, and plans plans.
Chidimbu cheGorova Zvirongwa
Chirongwa chepakati chekugoverwa chinokubhadhara iwe inenge yakatarwa muzana yepamu yako yawakagamuchira kwenguva ino. Chikamu chinopihwa chinorayirwa pasinei nekurasikirwa kwako ruzivo panguva iyoyo yechirongwa.
Somuenzaniso, ngatiti iwe wakanyoresa mu 10% yepakati peparadhiso hurongwa we 2017-2018 mutemo wekutaura. Mushure mokunge mutemo wako wapera, inshuwarisi yako inotora premium yako yawakagamuchira uye inokupa iwe chikamu che 10% yemari iyoyo. Somuenzaniso, kana premium yawakagamuchira iri $ 7,000, chikamu chako chichava $ 700. Kurasikirwa kwawakaita mukati megore ra2017-2018 rezvematongerwo enyika hakuiti kukodzera kwako kubhadharo wegore iroro. Zvisinei, kurasika kurasikirwa kwakanyanya kunogona kukudzivirira kuti usanyora muurongwa hwekuparadzanisa gore ra2018-2019.
Sliding Scale (Variable) Gwaro Rokugovera
Pasi pechirongwa chechidimbu cheparadhiso (chinonziwo variable plan) chikamu chinowanikwa pamagumo egore rinotarisirwa chinoenderana nemari yako yawakawana uye kurasikirwa kwako chiyero mukati megore iroro.
Sezvo tafura iri pasi apa inoratidzira, chikamu chinowedzera sezvo kuwedzera kwako kuri kuwedzera uye kurasikirwa kwako kunoderera.
Gore negore rakapiwa Premium
Kurasikirwa Ratio 5,000 kusvika ku10 000 11 000 kusvika 20,000 21,000 kusvika 30,000 31,000 kusvika ku 40,000
0 kusvika 10% 35% 38% 41% 44%
11 kusvika ku20% 31% 34% 37% 41%
21 kusvika ku 30% 27% 30% 33% 36%
31 kusvika 40% 23% 26% 29% 32%
41 kusvika 50% 10 11 12 13
Inopfuura 50% 0 0 0 0
Kuti uone kuti chirongwa chinoshandiswa chechidimbu chinoshanda sei, fungidzira kuti purogiramu yako yawakagamuchira yegore rairo re 2017-2018 raiva $ 19,000 uye kurasikirwa kwako kwaive zero. Kubva pane chati iri pamusoro apa, chikamu chako chinenge chiri 38% ye $ 19,000 kana $ 7 220. Kana kurasikirwa kwako kwaive ne15%, chikamu chako chaizova 34% ye $ 19,000 kana $ 6 460. Iwe haungatore chikamu kana kurasikirwa kwako kuri kupfuura 50%.
Zvinokonzerwa Zvirongwa
Zvirongwa zvekukanganiswa zvinosanganisira zvikamu zvezvose zvakaparadzana zvakaperera uye chirongwa chechidimbu chechidimbu. Semuenzaniso, muteresi anogona kubhadhara chikamu chegumi chegumi kana chikamu chako chakawana $ 5,000, uye chikamu che 15% kana chikamu chako chasvika $ 10 000 (uye zvakadaro kusvika pamutengo wakatarwa). Zvirongwa zvekukanganiswa zvinowanzotaura zvinorehwa nekurasikirwa chidimbu. Kana kurasikirwa kwako chidimbu chepurogiramu yepurogiramu ichipfuura zvakanyanya, haungagamuchiri chikamu.
Zvikamu Hazvibvumirwi
Vatsigiri vanopa zvirongwa zvekugoverana havagoni kuvimbisa kuti zvirongwa zvavo zvichabhadhara chikamu. Chisarudzo chekubhadhara (kana kuti kwete kubhadhara) chikamu chinoshandiswa ne insurer bhodhi revatungamiri. Kana bhodhi richitsvaga chikamu pamusana pehushandi wehurumende isina mari yehupfumi kana chimwe chikonzero, hapana chichabhadharwa. Nokudaro, vatsigiri vese havagone kuvimbisa kuti muchawana mugove. Kana chikamu chakataurirwa, chinowanzobhadharwa mwedzi yakawanda mushure mekunge chirongwa chapera.
Zvokuchengetedza Mapoka
Kunyange zvazvo zvisiri zvirongwa zvekuparadzanisa, mapoka ezvokuchengetedza anopa zvikamu kune nhengo kuti azvipe mubayiro wekurasikirwa kwakanaka kweruzivo. Rimwe boka rekuchengeteka chirongwa chinoshandisa purojemisi uye kurasikirwa kwevashandisi vakadaro. Kana boka racho rose rakarasikirwa neruzivo rwakanaka, nhengo imwe neimwe inogamuchira chikamu. Chikamu chinoparidzirwa chinoratidzirwa neruzivo rwekurasikirwa kweboka, kwete rwemunhu oga.
Mapoka ezvokuchengetedza akagadzirirwa mamwe marudzi emabhizimisi, akadai seresitorendi, vatengesi motokari, kana makonjikoni ekuvaka. Kuzobatana neboka, mushandirwi anofanira kusangana nezvimwe zvinoda maererano nezveshoko rekirasi , zvishoma zvishoma, uye kurasikirwa ruzivo. Kana iwe uchida kupinda muboka rekuchengeteka, bvunza vashandi vako mari yekugadzirisa inshuwarheni kana ichipa imwe yekutengeserana kwako.
Experience Modifier
Paunenge uchiverenga premium yawakagamuchira pasi pegadziriro yeparadhiso, yako insurer ingasanganisira iwe ruzivo rwekuchinja . Somuenzaniso, fungidzira kuti premium yawakagamuchira iri $ 10 000 uye ruzivo rwako rwekuchinja is .95. Muchengetedzi wako angaverengera chikamu chako chinowanikwa pa $ 9,500 ($ 10,000 X .95).
Pakupedzisira, mabhizimusi anobatana neboka rekuchengetedza vanochengetedza ruzivo rwekuchinja. Shanduro yega yega yega inotarirwa zvichibva pamarimiro ayo uye kurasikirwa, kwete yeboka rose.