Kwezinye iimeko, abahambahambayo abanakho ukufumana i-inshorensi yokukhansela.
Esinye sezizathu ezihamba phambili abahambayo abakhethiweyo ukuthenga i-inshurensi yokuhamba ngolu hlobo lokunqandwa kohambo lokukhansela. Nangona kunjalo, abaninzi balabo abathengayo i-inshurensi yokuhamba ngokuqhelekileyo banokuqonda ukuphulwa kwezinto ezihambayo zokungcwitshiswa kwe-inshorensi. Ngaba "ukukhanselwa kohambo" ngokwenene njengabantu bonke bakholelwa abaninzi?
Nangona iindleko zokukhansela ukuhamba ngenye yezona zinto zifumana inzuzo ye-inshurensi yokuhamba, mhlawumbi inokungaqondi kakuhle.
Ngexa uhambo lwe-inshorensi yokukhansela lunokunika uncedo kwiimeko ezimbi kakhulu, ziza kunye nemigaqo nemigangatho eqinile kakhulu. Ngaphambi kokukhansela uhambo lwakho nokufakela ibango lokukhansela uhambo, qiniseka ukuba uya kuqonda ukuba yintoni inzuzo enjalo iya kuyenza-kwaye ayiyikukufihla.
Iyintoni Inyulo yoKhutshwa kweNkampani yoMshuwalense?
Intshumo yokukhansela i-inshurensi iphantse iyatholakala xa kuthengwa umgaqo-nkqubo we-inshurensi yokuhamba. Inzuzo yenza into ekuthethwa ngayo ukuba: abahambahambayo abaphoqelelwe ukukhansela uhambo lwabo ngenxa yezizathu ezifanelekileyo bangaba neerhafu zabo ezingahlawulwanga zibuyiselwe kwi-inshurensi ye-inshurensi yokuhamba. Ezi zizathu ezithile zibandakanya (kodwa azikhawulelwanga):
- Ukufa kwendwendwe, iqabane labo lokuhamba, okanye ilungu lentsapho elisondeleyo.
- Ukulimala ngengozi kwangoko okanye phambi kwendlela yokuya kwabo
- Isimo semozulu esingalindelekanga esingakalindelekanga (ngaphambi kokuba sichazwe "isiganeko esaziwayo")
- Imbopheleleko esemthethweni eya kuphazamisa uhambo (njengokubizwa ngokuba yi-jury duty okanye njengangqina kwilingo).
Nangona kunjalo, ukulahleka kuloluhlu lweemeko zokukhansela uhambo oluqhelekileyo luyezinye iimeko ezinokuguqula ubomi, izibophelelo zengqesho, iziganeko ezingasalindelekanga (kuquka ukukhulelwa) kunye nezinye iimeko ezizimeleyo nazo zingabandakanywa kwiindleko ze-inshorensi zokukhansela zendabuko.
Abo banenkxalabo malunga nale meko echaphazela ukuhamba kwabo bangathanda ukucinga ngokungongeza izibonelelo ezikhethiweyo kwisicwangciso sabo.
Ngaba izizathu zoMsebenzi zizaliswe phantsi kweNkcaso yeNkcaso yeNkcaso?
Ngaphantsi kolunye uhambo uhambo lokususwa kwe-inshorensi, ezinye iinkalo zengqesho zingabhekiswa . Abahambi abangakhange balindelekanga okanye bengasebenzi ngaphandle kwephulo labo bangakwazi ukufumana iifomiti zabo ezingabuyiselwayo ngokuhamba kwabo kohambo lokukhansela.
Nangona kunjalo, ezinye iimeko azikwazi ukuba zihlanganiswe phantsi kwe-inshorensi yokukhansela. Abahambi abaphoqelelwe ukukhansela uhambo lwabo ngenxa yokuqalisa umsebenzi omtsha okanye ababizelwa emsebenzini ngexesha lekhefu angeze bafunyaniswe ngokucinywa kokuhamba. Abo banenkxalabo malunga nomsebenzi wabo bafuna ukuqwalasela isicwangciso se-inshurensi yokuhamba nge-"Cancel for Work Reason".
Ukukhansela izizathu zemiSebenzi ngokuqhelekileyo uncedo olongezelelweyo olunikezwa ngeendlela ezithile ze-inshurensi zokuhamba. Ukongeza I-Cancel yeziSeko ZemiSebenzi yoNcedo iza kwongeza intlawulo yomyinge kumgaqo-nkqubo wonke, ngelixa udibanisa iigatya zokukhansela, kuquka (kodwa kungabi nakwi-limited):
- Ukutshintshwa kwishedyuli yomsebenzi, ukuphoqa umhambi ukuba asebenze ngexesha lohambo lwakho oluhleliweyo
- Isimo esiphuthumayo esingalindelekanga , kuquka inhlekelele yendalo, umlilo, okanye ukutshabalalisa
- Inkampani yenkampani ibandakanyeka ekuthengeni okanye ekuhlanganiseni
- I nkampani ihambela umhambi malunga neekhilomitha ezili-250.
Ukuze kufake ibango ngomshuwalense wokukhansela uhambo, abahambi kufuneka banikezele ubungqina obubhaliweyo besiganeko esenzekayo. Abo bangenako ukubonelela ngamaxwebhu baqhuba umngcipheko wokuba ibango lawo liphikisiwe.
Ndiyakunxusa naziphi na izizathu ngeNkcenkceshelo yoKhuselwa kweIninshurensi?
Kukho imeko ebomini abahambahambayo abajongene nabo abangabaneliseki ngokuhamba. Ingaba kuyisongelo sobuglogrisi , ixesha elibi leqhophozi , okanye iimeko eziphuthumayo zezilwanyana , abahambi bangaba nezizathu ezininzi zokuqwalasela ukunqanda uhambo lwabo olulandelayo. Nangona i-inshorensi yokukhansela ikhefu ingabonakali kuzo zonke iimeko ezizodwa, "Ukukhansela Nasizathu Esithile" kunokunceda abahamba bafumane iindleko zabo ezingabuyiselwa.
Ukuze ungeze iChansela nayiphi na inzuzo yesizathu kwisicwangciso se-inshurensi yokuhamba, abaninzi abantu bathenga isicwangciso se-inshurensi yokuhamba ngeentsuku zingaphantsi kweentsuku zabo zokuqala (ngokuqhelekileyo phakathi kweentsuku ezili-14 neye-21) kwaye bakhokhe imali eyongezelelweyo. Ukongeza, abahambi mabaqinisekise kwakhona iindleko zohambo lwabo, kungakhathaliseki nayiphi enye inshurensi yokuhamba enokuba nayo. Emva kokungeniswa, abahambi banalo inkululeko yokukhansela uhambo lwabo ngokoqobo nasiphi isizathu. Xa ibango lifakwe, abahambi bangahlawulelwa ngenxalenye yeendleko zabo ezingahlawulelwayo. I-Cancel eqhelekileyo nayiphi na isizathu Isibonelelo sekhava phakathi kwama-50 no-75 ekhulwini weendleko ezingabuyiselwa.
Ngoxa i-inshorensi yokukhansela yesohlwayo ingavakala njengepasiti yokukhulula ukucima ukuhamba, abahambahambayo banamhlanje bafuna ukwazi ukuba isicwangciso se-inshurensi yabo yokuhamba ihamba njani. Ngokukwazi ukuba yintoni uhambo lokukhishwa kwe-inshorensi ekhuselekileyo kwaye luyakuboniswa kunye nokungafani kuzo zonke iindleko zokukhansela ukuhamba, abahambi bangaqinisekisa ukuba bathenga into abayidingayo.