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Kodi inshuwaransi yapaulendo yapachaka ndi yoyenera kwa inu? Nkhani Zamoyo

Inshuwaransi yapachaka yapaulendo ikhoza kukhala chisankho chodziwikiratu kwa oyenda bizinesi pafupipafupi, koma kwa ambiri aife, ndizovuta kudziwa ngati tikuyenda mokwanira pogula inshuwaransi yapachaka. Kuti tiyambe, tiyeni timvetsetse kusiyana kwakukulu pakati pa inshuwaransi yapachaka ndi yaulendo umodzi.

Inshuwaransi Yoyenda: Chaka chilichonse paulendo umodzi

Inshuwaransi yapachaka yoyendera ndi inshuwaransi yomwe imakhala ndi maulendo angapo opanda malire mutalipira kamodzi mkati mwa miyezi 12.

Poyerekeza, inshuwaransi yoyenda ulendo umodzi, monga dzina lake likusonyezera, imangotenga ulendo umodzi, ngakhale pamtengo wotsika mtengo kuposa inshuwalansi yapachaka. Komabe, pali zifukwa zambiri zopezera inshuwaransi yapachaka yaulendo.

Mapindu a Inshuwaransi Yoyenda Pachaka

chitonthozo

Chifukwa chimodzi chopezera inshuwaransi yapachaka imene ena angayamikire ndicho kusafunikira kugula pulani ya inshuwalansi paulendo uliwonse. Zimenezi zingakhale zothandiza kwa ife amene tingaiwale kugula inshuwalansi yapaulendo kapena kupita kutchuthi mwachisawawa.

Kutalika kwa maulendo anu

Mbali imodzi ya inshuwaransi yapaulendo yapachaka imene anthu kaŵirikaŵiri amainyalanyaza ndi yakuti pamaulendo afupiafupi ndi kutchuthi, inshuwaransi yapaulendo yapachaka kaŵirikaŵiri imaphimba maulendo ameneŵa bwino lomwe. Mwachitsanzo, inshuwalansi zambiri zaulendo umodzi zimakhala masiku 180. Izi zikutanthauza kuti paulendo wamasabata atatu (masiku 21), munasiyidwa kulipira masiku 159 omwe simunagwiritse ntchito.

Kumbali ina, ndondomeko yapachaka idzangotenga maulendo mpaka masiku 90, omwe ndi ochuluka kwambiri kwa anthu ambiri. Chifukwa chake, ngati mutha kuyenda maulendo okwanira kuti mugonjetse inshuwaransi yanu yapachaka yapaulendo, idzaphimba maulendo anu mogwira mtima kuposa mapulani aulendo aliyense.

Zinthu zomwe muyenera kuziganizira posankha inshuwaransi yaulendo

Posankha ndondomeko yoti musankhe, pali zofunikira zina za maulendo anu zomwe muyenera kuziganizira kwambiri.

Madera ophimbidwa

Nthawi zambiri, mapulani a inshuwaransi yapachaka amakupatsirani mwayi wolipira ndalama zotsika mtengo posinthanitsa ndi malo ocheperako kuti muthe kuwongolera ndalama zanu. Choncho ndikofunikira kukonzekera maulendo anu ndi izi m’maganizo, makamaka popeza malo anu oima ndi ophimbidwa.

Ndikoyenera kuti malamulo anu aziphimba madera angapo ozungulira komwe mukufuna kuyenda ngati njira yodzitetezera ku kusintha kulikonse kosayembekezereka pakuyimitsidwa.

njira yoyendera

Tsoka ilo, si mayendedwe onse omwe amapangidwa mofanana, makamaka maulendo apanyanja. Maulendo apanyanja nthawi zambiri amabwera ndi ndalama zodula kwambiri zamankhwala komanso zochotsa.

Chifukwa chake, poyerekeza ndi kuyenda pandege, muyenera kuwonetsetsa kuti ndondomeko yanu ili ndi malire okwera kwambiri poyenda panyanja.

Zochita zosangalatsa komanso kufalitsa masewera

Zochita zapaulendo monga kukwera mapiri ndi kuwomba mmwamba nthawi zambiri sizimakhudzidwa ndi ndondomeko zotsika mtengo.

Ngakhale pali ndondomeko zomwe zimagwira ntchitozi, zimakhala ndi ndalama zambiri zomwe muyenera kukumbukira pokonzekera kuchita zinthu zomwe zimaonedwa kuti ndizoopsa.

Kufalikira kwa Covid-19

Ngakhale malamulo amamasulidwa padziko lonse lapansi. Ambiri akuda nkhawa ndi zolepheretsedwa kapena zovuta zina chifukwa cha Covid-19, ndipo moyenerera.

Kaya ndikuwopa kusinthika kwatsopano, kapena kulandira mosayembekezereka zotsatira zoyezetsa mukatsala pang’ono kuyenda, ndizomveka kufuna kuti inshuwaransi yanu ikwaniritse ngozi zotere.

Mukasankha inshuwaransi yanu yapaulendo, onani ngati ndondomekoyi ikukhudzana ndi zovuta za Covid-19 mwachisawawa, kapena ngati muyenera kugula izi ngati chowonjezera.

Zomwe zidalipo kale

Matenda omwe analipo kale angakhudze zosankha zanu za inshuwaransi. Izi zikuphatikizapo matenda monga mphumu, shuga, chikanga, khunyu, ndi kuthamanga kwa magazi (kuthamanga kwa magazi) pakati pa ena.

Ngati muli ndi vuto lomwe linalipo kale, onetsetsani kuti mwakumana ndi zovuta zilizonse zokhudzana ndi vutoli. Tifotokoza zambiri za zomwe zinalipo kale pansipa.

Kwa iwo omwe ali ndi zikhalidwe zomwe zidalipo kale, inshuwaransi zambiri zamaulendo sizilipira mtengo uliwonse chifukwa cha zomwe zidanenedwa kale.

Mwamwayi, pali ndondomeko zomwe zili ndi chiganizo chomwe chinalipo kale chomwe chidzakhudza zovuta zilizonse chifukwa cha chikhalidwe chanu. Nazi mfundo zina zofunika kuziganizira mukafuna inshuwalansi yomwe imakhudza zomwe zinalipo kale.

nthawi yobwereza

Ngati mwakhalapo kale ndi chikhalidwe kwa kanthawi, ndi bwino kuganizira nthawi yobwereza ya inshuwalansi iliyonse yomwe mukufuna. Nthawi yobwereza ndi nthawi yomwe kampani ya inshuwalansi imayang’ana mmbuyo mbiri yanu yachipatala. Kupeza thanzi lanu.

Nthawi zambiri, nthawiyi imakhala kuyambira masiku 60 mpaka 80, ngati muli okhazikika pazamankhwala panthawiyi, inshuwaransi yanu yaulendo idzalipira ndalama zanu zachipatala ngakhale popanda zomwe zidalipo kale.

Kupereka chithandizo chamankhwala omwe analipo kale

Mosafunikira kunena, aliyense yemwe ali ndi matenda omwe analipo kale ayenera kulipidwa ndi inshuwaransi yawo yoyendera. Komabe, ngati mukuyenda ndi gulu, mwachitsanzo, abwenzi kapena achibale, ndikofunikira kuti aphimbidwe chifukwa cha zomwe zidalipo kale.

Ngakhale izi zitha kuwoneka ngati zotsutsana. Ndikofunikira kuti izikhala ndi zovuta zosayembekezereka zomwe zingakhudze, monga kuyimitsa ndege kapena kuchedwa.

chithandizo chopewera

Zikafika pazikhalidwe zomwe zidalipo kale, ndikofunikiranso kuti muchepetse mwayi wamikhalidwe yanu kuti musachite kapena kuyambitsa mavuto. Kunyamula mankhwala okwanira ndi/kapena zida zowunikira kuti muthe kuthana ndi vuto lanu ndikofunikira kwa iwo omwe ali ndi mikhalidwe yomwe idakhalapo kale.

Ndikofunikiranso kutsata zomwe zingayambitse chilengedwe komanso zakudya zomwe zingayambitse matenda anu. Zingakhale zothandiza kwa munthu yemwe ali ndi chikanga kubweretsa zofunda zawo, mwachitsanzo.

Kumbukirani kukumbukira kuthawa, komanso, matenda ena a mtima amatha kuonjezera chiopsezo cha magazi mukakhala chete kwa nthawi yaitali, ndi kuponderezana masitonkeni kapena kusungitsa mpando wokhala ndi miyendo yambiri yotambasula ngati mpando wapanjira kungathandize.

Kodi ndingasankhe bwanji ngati inshuwaransi yoyendera yapachaka ndi yoyenera kwa ine?

Lamulo labwino la inshuwaransi yapachaka ndilakuti ngati mutenga maulendo opitilira kasanu kumayiko ena pachaka, inshuwaransi yapaulendo yapachaka idzakhala yothandiza, ndipo nthawi zambiri apaulendo abizinesi kapena omwe ali ndi achibale akunja amagwera m’gululi.

Komabe, ngati mukufuna kutenga njira yasayansi kuti mumvetsetse mtundu wa inshuwaransi yoyenda yomwe ili yabwino kwambiri pazomwe mungagwiritse ntchito, pamafunika khama kwambiri.

Choyamba, muyenera kutenga zomwe zidakambidwa kale kuti mudziwe mtundu wanji wa chithandizo chomwe mukufuna. Ili ndiye gawo lofunikira kwambiri, chifukwa kutengera chithandizo chomwe mukufuna, pali kusiyana kwakukulu pamitengo ya inshuwaransi.

Inshuwaransi yapaulendo yapachaka imatha kuyambira $100 mpaka $300 pachaka, pomwe mapulani ena aulendo amatha kukhala ndi malipiro otsika mpaka $24. Mukamvetsetsa mtengo waulendo umodzi ndi ndondomeko zapachaka zomwe zimakupatsani chidziwitso chokwanira, kusankha pakati pawo kumakhala kosavuta.

mapeto

Ngakhale ndondomeko ya inshuwaransi yapachaka si ya aliyense. Apaulendo ambiri amayenda mtunda wokwanira kuti apindule kwambiri ndi mapulaniwa ndikusunga ndalama.

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