Maiama ola lapaʻau - maluhia o ka manao ma ka makana a me ka hilinai i loko o ka wā e hiki mai.

Kekahi kanaka hiki ke 'ike i kekahi mau hopohopo nona. O ka hana ana, ma kela a me keia mea, i ia: i mea makau o ka i wale nō, a me kekahi pouli. Akā, he mea makaʻu i ka kekahi papahelu hui pu iho la a pau a me Aneane pau na kanaka. Mākou e kamaʻilio e pili ana i ka hopohopo pili i kīnā, me ka nawaliwali a me ka make.

Like loa me kekahi kanaka mea he kohu ponoʻaoʻao o ke ola, hoʻolimalima i ka poʻe e ola ana, e kūʻai i hale noho, hi, a me ka waiwai,ʻo ia Kahalaopuna paulele. Eia naʻe, mai ka manawa i ka manawa ka mea, ua nō kipa ma ka manao o ka mea e hiki mai i kana ohana ina oia koke haule mai, ka polokalamu JavaScript, a oi aku, o make. Maoli ai, i kekahi i loko o ke ao nei hiki ke hoolaia, mai nā maʻi a me nā mea a pau i ka make, akā, ke haha aku i kekahi mea i hilinaʻi ai i loko o kā lākou wā e hiki mai, a me ka wā e hiki mai ana o mea aloha i loko o na aoao kōkua accumulative ola lapaʻau.

Eia naʻe, he nui loa kanaka mai i ike i ka huina ola lapaʻau ÿokoÿa, mai nā 'ano o nā kino lapaʻau. 'Oiai, aia nō he wahi lihi iki o ka nuances i maopopo keia lapaʻau huahana. Mua, huina ke ola a me ka lapaʻau ua hoopukaia no ka manawa i lawa lōʻihi o ka manawa (i kū'ē i ka ia hui 'inikua lapaʻau, i hiki ke hoopuka ia a hiki i ka makahiki, ma ka liʻiliʻi loa 2 pule).

Ka lua, he kanaka hoʻopaʻa waiwai ma lalo o ka polokalamu o ka ai-kapaia kamepiula ola lapaʻau (i loko o ka aelike pono i oleloia na ka pilikia i ka i ka mea, ua noi),ʻia uku a hiki i ka hopena o nā palapū hōʻike ma ka aelike paha i loko o ka hanana o ka maʻi (ina ka aelike stipulates) . Inā ke kanaka i palapala i ka huina ola lapaʻau, i kekahi ino a maʻi e i hoʻopaʻa waiwai hanana. Ke policyholder, e loaa i ke kālā wale nō ma ka hihia o ka incapacity (kīnā o ke kino) a make (i loko o kēia hihia, na hooilina loaa ka uku).

Ma kona Kora naʻEsau, i ka huina ola lapaʻau mea he huihui 'ana o ka lapaʻau a me ka waiwai kūʻai (like i ka pali, waiho). Akā, e like me ka kae waiho, ka insurer hiki ole hilinai aku maluna o kiʻekiʻe panee ma luna o lākou aelike, no ka mea, mea nō ola lapaʻau, a me kona kumu o rula - ka hoomaluia mai,ʻaʻole e pono ai.

E hoolilo ana i ka 'aelike ma makauliʻi lapaʻau, ka Customer e like ai i kekahi manawa uku i ka insurer ma ka kekahi dala, a ma ka hope o ka aelike, oia ke manaʻo nei e loaa a pau i ka hoʻonui dala me ka uku hoopanee. He hiki ke loaa ia me he popo palaoa puu dala (dala hoʻopaʻa waiwai i loko o piha e hoolilo ai i kona mooolelo), a ma ka hoʻoholo ma mua haʻalele 'ana (e like, malama, e like me ka mea hou hoomau).

Inā ka hoʻopaʻa waiwai kanaka i kekahi ulia a me koʻu hoomanawanui ana'ku maʻi nui ia e pau kīnā o ke kino a me ka make, i ka insurer e uku i ka piha nui o ka aelike, ka nānā 'ana i ka nui o ke kala ke hoola i ka Client ma ka lilo o ko lākou mau haʻawina.

O ka holo ana, ia mea maikaʻi, e ola, maikaʻi manaʻo, aʻaʻole manao e pili ana i ka manawa kūpono o ka malihiniʻana. Akā, pūlima i ka aelike makauliʻi lapaʻau, he kanakaʻia hoopakele ia o na mea he nui makaʻu, ina he laʻi manao pono a me ka paulele i loko o ka wā e hiki mai o kona 'ohana.