Izicwangciso ze-inshorensi zexesha kunye ne-Return ukuba iPremium - ilungile kubasetyhini abachasayo umngcipheko?

I-inshorensi yexesha sisixhobo esibalulekileyo sezemali, esibonelela ngokhuseleko lwezemali kumalungu osapho lwakho oluxhomekeke kuwe ngentlawulo yenzuzo yokusweleka ngexesha lemeko engathandekiyo, nokuba ungekho, ukuba ngaba ungumnini-polisi kunye ne-inshorensi.

Ukuthathela ingqalelo iimfuno eziqhelekileyo zabasetyhini, njengokhuselo lokugula okubalulekileyo kwizigulo ezithile zabasetyhini ezifana nomhlaza wamabele, umhlaza wesibeleko, umhlaza womlomo wesibeleko, njl.njl., izicwangciso zexesha zingqineka zisisixhobo esibalulekileyo sokulawula iindleko zonyango ezingaka. Iqinisekisa ukuba ukugcina uxolo lwakho lwengqondo kunye nokulawula imali yakho kakuhle.

Yintoni i-inshurensi yexesha labasetyhini?

Izicwangciso ze-inshorensi yexesha kubafazi bafana nezinye izicwangciso zexesha lemveli. Ukuba umnini-polisi uyasweleka ngelixa isicwangciso sisasebenza, ipolisi ihlawula isixa esimiselweyo njengenzuzo yokufa.

Izicwangciso zexeshana ziphawulwa ngokukodwa ngokufikeleleka kwazo, zibonelela ngenzuzo yokhuseleko oluqinisekisiweyo lwesixa esiphakamileyo ngexabiso eliphantsi. Kwabasetyhini, oku kunokuba sezantsi ngakumbi, njengoko umndilili wokuphila kwabasetyhini kude kunamadoda. Ngaphezu koko, umngcipheko wokugula kwentliziyo kunye nokuhlaselwa ungaphantsi kwabasetyhini kunamadoda.

Zonke ezi zinto zidityanisiwe zenza izicwangciso ze-inshurensi zexesha labasetyhini zibe yindlela efikelelekayo yokukhusela amalungu osapho lwabo abathandayo.

Izizathu ze-inshurensi yexesha labasetyhini

Abasetyhini kufuneka bacinge ngozinzo lwemali lwexesha elizayo kwaye batyale imali kwizicwangciso zexesha ngenxa yezi zizathu zilandelayo:

1. Ukhuseleko lwemali yosapho:

Njengaso nasiphi na esinye isicwangciso sexesha, i-inshurensi yexesha labasetyhini ivumela uzinzo lwezezimali lwamalungu osapho abathandayo kwaye iqinisekisa inkxaso yemali eyaneleyo ngamaxesha anzima nangona ungekho. Intlawulo yenzuzo yokusweleka kwesi sicwangciso kufuneka isebenze njengebambela elizinzileyo lomvuzo kwaye uqinisekise ukuba usapho lwakho luphila ubomi obuzinzileyo.

2. Ukufikeleleka:

Izicwangciso ze-inshorensi yexesha zezona ndlela zinexabiso eliphantsi kwi-inshurensi yobomi, evumela ukhuseleko oluqinisekisiweyo lwesixa esiphakamileyo ngexabiso eliphantsi kakhulu xa kuthelekiswa. Ngaphezu koko, izicwangciso zexesha labasetyhini zonga ngakumbi njengoko abasetyhini, ngokwe-avareji, bebeka umngcipheko osezantsi ngokuthelekisa kwii-inshorensi ngenxa yokuphila okuphezulu.

3. Inshorensi yesigulo esiyingozi:

Ngaphandle kokhuseleko olusisiseko lobomi, izicwangciso zexesha zikwabonelela ngobonelelo lokhuseleko lwezemali kwiintlobo ezininzi zemiba yempilo enzima njengengxaki yentliziyo, imiba yezintso, umhlaza, njl., ngokwemigaqo yesicwangciso esikhethiweyo.

Iimpawu zezicwangciso zekota zabasetyhini

Ezinye zeempawu eziqhelekileyo zezicwangciso zexesha labasetyhini ziquka oku kulandelayo:

1. Izavenge ezisezantsi:

Isixa-mali esihlawulwayo sepremiyamu yezicwangciso zexesha labasetyhini singaphantsi kakhulu kuneyamadoda. Ukufikeleleka kwayo kunye nokusebenza kakuhle kweendleko zizathu eziphambili zokuthandwa kwayo okuphezulu. Ngaphezu koko, ukuba uthenga kwangethuba, unokonga ngakumbi. Ubuncinci obuthengayo, kokukhona bubonakala bunexabiso eliphantsi ngaphandle kokuyekelela kubungakanani bokhuseleko.

2. Ukhuseleko lwezigulo ezithe ngqo kumanina:

Ezi zicwangciso zexesha zivumela ukhuseleko lwezigulo zabasetyhini ezinjengomhlaza womlomo wesibeleko, umhlaza wesibeleko, umhlaza wamabele, njl.

3. Iinzuzo zerhafu:

Inzuzo yerhafu ye-inshurensi yexesha elide yenye into ebalulekileyo ekufuneka iqwalaselwe xa utyala imali kweli candelo. Izavenge ezihlawulwe kwisicwangciso sexesha zingasetyenziselwa ukunciphisa ingeniso yakho erhafiswayo kulo nyaka uchaphazelekayo. Unokwenza ibango ngokulula ukutsalwa kwerhafu ukuya kuthi ga kwi-INR 1.5 lakhs/annum u/s 80c ye-IT Act. Ngaphaya koko, u/s 10 (10d), ungenza ibango lokuxhuzulelwa imali oyifumeneyo.

4. Ukhathalelo lwabantwana kunye nemfundo yabantwana:

Izicwangciso zexeshana ziqinisekisa ukhuseleko lwemali lwekamva labantwana abaxhomekeke kubo. Kwimeko yayo nayiphi na impazamo, isicwangciso sexesha intlawulo yenzuzo yokufa ukuze baqhubeke nezifundo zabo ngaphandle kokuphazamiseka kwaye bafezekise ezinye iimfuno ezinjengokhathalelo lwezempilo, njl. njl., ukuqinisekisa ukhuseleko lwemali oluqinileyo.

Ibuyela njani ipremiyamu yomsebenzi?

Isicwangciso sexesha esinembuyekezo yepremiyamu ibizwa ngokuba yi-TROP, iyafana nesicwangciso sexesha eliqhelekileyo. Nangona kunjalo, umahluko osisiseko kukuba ukuba uphila ixesha elide kwipolisi, uya kufumana isixa seprimiyamu iyonke ehlawulweyo ukuza kuthi ga ngoku kunye nenzala, ngokungafaniyo nesicwangciso esiqhelekileyo, esingaboneleli naluphi na uncedo lokuvuthwa.

Kwimeko apho umnini we-inshorensi-cum-polisi uyasinda kwixesha lesicwangciso, uya kufumana isixa sepremiyamu iyonke ekupheleni. Nangona kunjalo, kwimeko yayo nayiphi na impazamo, umtyunjwa okhethiweyo okanye umxhamli uya kufumana intlawulo yenzuzo yokufa.

Le yipolisi ye-inshorensi yobomi efanelekileyo kubantu abachasene nomngcipheko.

Kutheni ukhetha i-TROP?

Kungcono ukhethe i-TROP ngaphezu kwezinye izicwangciso zexesha eliqhelekileyo kuba:

1. Ibonakala ifanelekile ukuba ufuna i-inshorensi yobomi ukukhusela usapho lwakho, kwaye ufuna ukuba isixa sepremiyamu sibuyiswe ekuvuthweni.
2. Ezi zicwangciso zivumela iimvavanyo zonyango
3. Ivumela imbuyekezo yeprimiyamu iyonke imali ehlawulweyo ukuza kuthi ga ngoku ekugqityweni kwesicwangciso sengqesho
4. Ivumela ukhetho lwentlawulo ye-premium eguquguqukayo

umzekelo

Umfazi oneminyaka engama-26 ubudala osebenzayo uthenga i-inshorensi yobomi ye-TROP kunye neprimiyamu yonyaka ye-INR 15000 isixa esipheleleyo esiqinisekisiweyo se-INR 90 lakh kwisicwangciso seminyaka engama-30. Ke, kufuneka ahlawule INR 15000 iminyaka engama-30.

Ngoku, izinto ezi-2 zinokwenzeka:

1. Inenekazi lasweleka ngexesha lesicwangciso. Ke, abonyulwa bakhe baya kufumana isixa esiqinisekisiweyo se-INR 90 lakhs njengenzuzo yokufa.
2. Uligqiba ixesha lesicwangciso. Ke, uya kufumana yonke iprimiyamu ehlawulweyo ye-INR 15000 x 30, okt, INR 450000, kunye nenzala echaphazelekayo kunye nezinye iibhonasi ezongezelelweyo njengoko zisebenza ngokusekelwe kwimigaqo yesicwangciso esikhethiweyo. Ngaphandle kwegatya leNtlawulo yeMbuyiselo, le ntlawulo ibingenakukwazi ukwenzeka.

isiphelo

Siyiqaqambise ngononophelo yonke imiba ebalulekileyo ye-inshurensi yexesha ngeReturn of Premium. Emva kokubala ngononophelo, ungaqhubeka. Elona xesha lilungileyo lokutyala imali apha kusebutsheni bakho; ixesha lesibini-lingcono NGOKU. Ke, ngaphandle kokulibaziseka, vele uye kuyo ukuze uqinisekise ukhuseleko lwezemali losapho lwakho oluthandekayo.