Deductible ma ka hihia o ka naau mai lapaʻau, kona pono

Insurance mea he integral hapa o ke ola o kela cheeloveka i loko o kēia lehulehu. E hakakā me ka hou pono, e hiki insure i ka waiwai, i kona ola, a i wae. Insurance hiki ma ke kula haʻahaʻa a me ka naau mai.

Kela a me keia kanaka, no ka manawa mua 'alo me ke kumuhana, koke ke hoala mai i na nīnau: a poe mea pono e pili? He aha 'ano o ka lapaʻau' oe koho? No ka mea, pehea ka loihi? I mea e e i ka olelo hooholo pono no lakou iho, e kiʻi ma ka liʻiliʻi loa ka loiloi mua manaʻo o ka mea kūpono ai ka mālama kahua, pehea ia hana a me ka mea i ka pomaikai o kona hoʻohana.

I ka manaʻo o ka lapaʻau ua inextricably ua hoʻopili i ka makahiki, e like me ka franchise, i mea no ka hapa o ka poino a hiki i ka hoʻopaʻa waiwai, i mea 'ole-refundable ma ka lapaʻau poʻe ma ka hihia o ka hoʻopaʻa waiwai hanana. Hoʻopaʻa waiwai makemake e koho i ka lapaʻau me ka deductible ai ole ia, a hoʻoholo i ka nui a me kaʻano. Deductible dala hiki ke kau ia ma ka paʻa palapala, a me ka pakeneka o ka huina dala hoʻopaʻa waiwai.

I ka mea ole franchise unconditional a me ka conditional. Ka hope eaaaony no ka uku ana i ke dala i ka lapaʻau poe wale i ka wa a ka poho aku i ia ma ka hopena o ka aelike o ka lapaʻau dala. No kekahi laʻana, e olelo e insure i ke kaʻa i hoʻokahi haneri tausani, a wae i ka conditional franchise i loko o ka nui o ka 20 tausani rubles. Inā ma ka hihia o ka ulia kaʻa poino, kena ae la, e e emi ma mua o ka mea i hoakaka ia dala, a laila emi mai deductible, ka lapaʻau uku e ole e lawe mai.

Deductible lapaʻau ua i kekahi hapa o ka poino, kauoha ae like me ka hopena o ka hoʻopaʻa waiwai hanana,ʻaʻole e reimbursed e ka poe-insurer. No kekahi laʻana, e insure kou kaʻa i 100 tausani rubles, a me ka wae ai ke ano o unconditional franchise i ka uku o ka 20 tausani rubles. Ma ka hanana o ka ulia i loko o ka nui o ka mai i 20 tausani rubles, dala uku e ole e i. Inā i ka nui o ke poho mea, no ka laʻana, 21 tausani rubles, ka lapaʻau huakai, e ukuʻoe i ka nui o ka 1 tausani rubles. deductible hana, e like me ka rula, ka nānā 'ana i ka nui o ka piʻi.

Ma mua kilohi, ka nenoaiu o ka hookaa ana i mea nui loa awkward. I mea deductible haawi akahele O Keaukaha kākaʻikahi hina i loko o ka uuku alanui hana 'ia, he manawa maikai e hoola i ke kuai ana o ka lapaʻau. Ke franchise mea pono ole wale i ka insurer, akā, no ka lapaʻau poʻe, e like me ka mea e leie aku ia me ka nui loa ho'ēmi i na mea he nui pae'ōnaehana lilo aie i ka emi ana ma ka helu o ka hoopii.

O ka holo ana, a pau hoʻoholo ka 'ano, e koho. Unconditional franchise hou waiwai no novice O Keaukaha me iki holo ka ho'āʻoʻana, no ka mea, e like me ka 'ikepili helu, ka mea pinepine hāʻule i loko o ka nīnūnē alanui ulia.

It E e hoʻomaopopo i ka franchise lapaʻau aʻole i nui hiʻona i loko o ko mākou'āina, no ka mea, o ka hapa nui o nā poʻe wale mai i maopopo i ke ano o ka makahiki, a me nā mea a pau me ka pomaikai o kona hoʻohana. Eia hou, i ka Lūkini ka loa paakiki, e hele mai i ka olelo a me ka manaʻo i loko o kekahi mau hihia, e uku i ka uku nui loa, e loaa ia mea, e hana hou i ke kaʻa ma kona mau lilo. Ma na aina deductible lapaʻau, ma ka mea ku ole, e i he nui, no ka mea, e leie aku ia me ka nui loa hoola i ka Bedroom, a malama i ke kūlana o ka ai-kapaʻoluʻolu o-ʻo ka Customer, a hiki i ka wā pōʻino o ka nīnūnē ulia.