Umshwalense wePetri Ungaba Investment Good
Umshuwalense wezempilo wezilwane, njengezinye izinhlobo zomshuwalense, uyigugu. Ubheja ikati lakho kuzodinga, futhi inkampani ibeka ukungalingani ukuthi ngeke. Kunezinto eziningi okufanele uzicabangele ngaphambi kokuthenga umshuwalense wezempilo wesilwane ekati lakho. Ungase, empeleni, unqume ngokumelene nalo, kuye ngesimo sakho, nokuzimisela kwakho ukugembula. Nanka eminye imibuzo ongayiphakamisa nganoma yisiphi isishuwalense sempilo yomshuwalense wezilwane ngaphambi kokuyithenga, kanye nezinye izinto.
Ingabe iNkampani isebenzisa Uhlu LwaseNethiwekhi noma Lomhlinzeki?
Uma uzimisele ukuhlala ne-veterinarian yakho siqu, hlola nodokotela wakho wezilwane ngaphambi kokuthenga. Uhlu oluvunyelwe ngabakwa-Insurerrs lwama-veterinarians lungadinga isikhathi esengeziwe sokushayela. (Yiqiniso, uma udokotela wakho wezilwane efakwe ohlwini, uyisinyathelo esisodwa ngaphambi kwalokho.) Ngenhlanhla, izinhlelo eziningi zomshuwalense wezempilo wesikhulu zivumela ukuthi usebenzise noma iyiphi i-veterinarian oyikhethayo. Izinkampani ezine ezibhalwe kulesi sihloko wonke amazwe emawebhusayithi abo ukuthi unenkululeko yamahhala wezilwane. Cela zonke izinkampani ukuthi zibone inqubomgomo yazo, ngaphambi kokusayina.
Yini Okungaxhunyiwe?
Yonke imigomo yomshuwalense wezempilo yesilwane ayinqunyelwe. Enye yezinto ezivame kakhulu ukukhishwa kwesimo "esandulele," esingachazwa ngokungafani ngokuthi "ukulimala, izimo zezokwelapha kanye nezimpawu zokukhathazeka ezazibonakala ngaphambi kokubhalisa." Ngokuvamile, lokhu kuyinkinga uma ikati lakho lingekho empilweni enhle kakhulu.
Ezinye iziphetho zingase zibandakanye ukuxoshwa / ukusabalalisa, i-hip-dysplasia, ukugonywa, ukulawulwa okukhukhulayo, imithi ye-heartworm, ukunakekelwa kwamazinyo , noma ukulinganiselwa kwezifo ezithile zamakati ezingavunyelwanga ngaphambi kokuzalwa kwazo kokuqala.
Yiziphi Izidakamizwa Ne-Co-Pay?
Ezinye izinkampani zizokhokhisa i-flat deductible ye $ 50 kuya ku-$ 100, kuye ngokuthi ubudala besilwane, ngayinye inqubo. Ngaphezu kwalokho, cishe zonke izinqubomgomo zizodinga ukukhokhwa kwama-co-10% kuya ku-20% wemali yezilwane.
Ukuzikhokhela kanye nokukhokha (okubizwa ngokuthi "co-inshuwalense") kungase kube okuphawulekayo.
Lezi zimali ezingaphandle kwe-pocket zenzelwe ukunciphisa kokubili inani lezimangalo eziphelele ezikhokhelwayo kanye nenani lezinqubo ezingadingekile nokuhlolwa kokuhlola.
Iyini "Isigameko," Yonyaka, noma Ama-Caps Lifetime?
Izinkampani eziningi zinikeza isamba (esiphezulu) semali ngayinye yokugula okugubungelwe noma inqubo (i-incident cap). Ezinye izinkampani zisebenzisa futhi i-cap yonyaka, lapho kungabikho ukuhlinzekwa okwengeziwe okuhlinzekwa kulolo nyaka wekhalenda. Kanti elinye ikhamera elisetshenziselwa izinkampanini zomshuwalense wezempilo yinkampani yesikhumba sempilo. Enye inkampani inama-$ 12,000-i-cap yesikhathi sokuphila, echaza ukuthi eyodwa kuphela kuma-50,000 amakati ayedlula leyo mali esikhathini esiphila ngaso sonke isikhathi.
Ingabe Umshuwalense unikezela izinketho noma kuphela "Inqubo eyodwa ehambisana nayo yonke" Inqubomgomo?
Ngenhlanhla, ezinye izinkampani zinikeza izinhlelo ezihlukahlukene kuye ngezidingo zekati lakho. Inkampani eyodwa inikeza ngisho nenqubomgomo ngokukhethekile ngamakati aphezulu. Omunye unenhlelo lokufaka engozini kuphela. Abagibeli bayatholakala futhi kumazinyo, ukuhanjiswa komdlavuza okwandisiwe, noma ukunakekelwa kokuvimbela (ukunakekela kahle). Ungakwazi ukugcina izindleko ze-premium ngokukhetha nokukhetha uhlelo olufanele ikati lakho.
Zikhona Ezinye Izinzuzo Noma Ukulondolozwa?
Ezinye izinkampanini zomshuwalense wezempilo zithokozisa kakhulu ngezinzuzo ezengeziwe. Inkampani eyodwa inikeza ukufakwa kwecala lokulimala kwempahla yenkampani yangaphandle, ukukhanselwa kweholide, izimali zokugibela, nokukhangisa izilwane ezifuywayo ezingekho.
Izinkampani ezimbili zinikeza isaphulelo esingu-5% kuya kwezingu-15% zezilwane eziningi ezifuywayo ezibhalisiwe. Enye inkampani icela izinkampani ngenkuthalo ukunikeza umshuwalense wezilwane kubasebenzi babo njengengxenye yephakheji yabo yezinzuzo.