Umshwalense Wemngcwabo eNingizimu Afrika: Isiqondiso Sokuzikhethela Iplan Esifanele

Eminingi imindeni eNingizimu Afrika igcina isibophezele emigomeni yomshwalense wombhedo onikeza ukuthula kwengqondo ngesikhathi sokufelwa.

Umbhedo, njengomcimbi obalulekile wamasiko, ungabiza kakhulu, kodwa ngomshwalense ofanele wombhedo, izindleko zingagcinwa zingabi yinkinga eyengeziwe ngesikhathi sobunzima.

Imikhiqizo yomshwalense wombhedo isikhona ukuze inikeze ukumboza okufanele namafemu anjenge-Sanlam, Capitec Bank, kanye ne-Old Mutual anakho lokhu ukunikeza.

Le mikhiqizo yenzelwe ukuhumusha izidingo ezihlukile zawo wonke amakhasimende, inikeza izinketho ezivumelana nezimo zomnotho ezihlukahlukene kanye nezidingo zomuntu siqu.

Amaphakheji womshwalense angafaka phakathi ukumboza abantu abengeziwe emndenini, njengabazala, omalume, omama, nezihlobo eziseduze, okuhloswe ngaso ukugcina wonke umndeni uqinisekisiwe.

Futhi, akukho ukubandlululwa ngokwezempilo okudingekayo ukufaka isicelo somshwalense wombhedo ezinkampanini ezifana ne-Hippo enganikeza ukuthekelisa kwemibhalo yomshwalense ukuze kuqhathaniswe izinketho ezahlukene.

Ukwenza ukhetho olufanele lombhedo kubalulekile, futhi izakhamizi zaseNingizimu Afrika zikhuthazwa ukuba zihlaziye ngokucophelela imithetho yamafemu omshwalense afana ne-Assupol Funeral Plan, okunika ukuvikelwa ngokushesha emva kwesicelo esincane.

Njengoba isiko lokuhlinzeka ngezindleko zomngcwabo lifaka ingcindezi yezemali emindenini eminingi, ukukhetha ukumbozwa okufanele kungasiza ekuletheni ukuthula kwengqondo nenjongo esikhathini sobunzima.

Izinzuzo Ze-Cover Yomngcwabo

Ukuba ne-cover yomngcwabo kusize kakhulu, ngoba kunikeza usizo lwezimali ngesikhathi sobunzima. Lesi sivikelo sihlinzeka ngezinzuzo eziningi ezinjengokukhokha izindleko zomngcwabo kanye nokusekelwa komndeni.

Inzuzo Zomshwalense Womngcwabo

Abantu abathenga umshwalense womngcwabo bathola inzuzo yemali elinganiselwa esukela kwimali encane kuya kweqophelo eliphezulu.

Okujwayelekile kunikezwa njengesamba esikhokhelwa ngokushesha uma kuqoqwa yonke imibhalo edingakalayo, okusiza ekubhekaneni nezindleko zomngcwabo ngokushelela.

• Izindleko Zomngcwabo: Izindleko zihlanganisa konke okuhlobene nomngcwabo, kufaka phakathi ibhokisi, imisebenzi yomngcwabo, nezimbali.
• Isamba Esikhokhelwa Ngokushesha: Iningi lezinkampani zomshwalense linikeza isamba semali ngaphakathi kwamahora angama-24 uma selitholakale lonke ulwazi oludingekayo.

Isevisi Yokubuyisela Emazweni

Uma umuntu ongumemba wescheme eshonele kwelinye izwe, isevisi yokubuyisela emazweni yenza isiqiniseko sokuthi umzimba uyabuyiselwa ekhaya ukuze kwenziwe umngcwabo.

• Ukubuyiselwa Kwemzimba: Ukuhlinzeka ngokubuyiselwa kwemzimba yilapho inkampani yomshwalense ibophezela ukubuyisa umzimba womuntu oseshonile ukuba ungahambela kwelinye izwe.

Izinzuzo Ezimali Zokudla Nezikhungo

Abanye abahlinzeki bomshwalense bavame ukufaka izinzuzo zokudla nezikhungo njengezingxenye zokuhlangabezana nezidingo zomndeni ngesikhathi somlindo kanye nasemva komngcwabo.

• Inzuzo Yokudla: Uma umndeni usenesikhathi esinzima ngenxa yokulahlekelwa, inzuzo yokudla inikeza imali yesikhashana ukuba umndeni ukwazi ukuthenga ukudla nezinye izidingo zokuphila.
• Izikhungo Zokusekelwa: Ezinye izinzuzo zifaka phakathi ukusekelwa ngezikhungo zokulila, okungaba njengokusiza ngezinto ezidingekayo ukubamba umngcwabo.

Amaphuzu Ayisisekelo Omshwalense Womngcwabo

Umshwalense womngcwabo eNingizimu Afrika uyindlela ebalulekile yokuyilungiselela imindeni kwezezimali uma kwenzeka ukudlula emhlabeni komunye wamalungu. Leli phuzu libalulekile ekusizeni ukunciphisa umthwalo wezimali oza nezindleko zomngcwabo.

Umshwalense Womngcwabo Nezimo Zawo

Umshwalense womngcwabo uhlinzeka ngemali ezosetshenziswa ukubhekana nezindleko eziphezulu zomngcwabo.

Amapolisi anganikeza izinzuzo ezahlukahlukene, kufaka phakathi inkokhelo yezezimali ezibanjwayo ngesikhathi somngcwabo.

Isikhathi sokulinda sibalulekile futhi, njengoba kubekwa isikhathi lapho umshwalense ungeke ukhokhe izinzuzo, njengoba kusalindwe ukuthi ipholisi libe semthethweni.

• Isikhathi Sokulinda: Imvamisa phakathi kwenyanga eyodwa kuya kwezintathu.
• Izinzuzo Zomshwalense: Ingafaka indawo yokugcina umzimba, izindleko zenkonzo yesikhumbuzo, nezinye izidingo zomngcwabo.

Izindleko Zanyanga Zonke Nezinzuzo Zomshwalense Womngcwabo

Izindleko zanyanga zonke zomshwalense womngcwabo, noma ama-premiums, ziyahluka ngokuya ngokuthi umshwalense uveze ini, ubukhulu bemali ekhokhelwayo, kanye neminyaka yobudala bomnikazi wepholisi.

Imishwalense efinyeleleka kubantu abaningi itholakala, kepha kubalulekile ukubheka izinzuzo ezinikezwa yipholisi ngalinye.

• I-Premium Ivyo: Lezi zindleko zikhokhwa nyanga zonke futhi zibalulekile ukuze ipholisi lihlale lisebenza.
• Izinzuzo Zepholisi: Kungenzeka zifake ukukhokhelwa kwezindleko zomngcwabo ezihlobene nendawo yokugcina isidumbu, inkonzo, nesidlo sokukhumbula.
• I-Premium Holiday: Amapholisi amanye anikeza inketho yokumisa ukukhokha ama-premium isikhashana ngaphandle kokulahlekelwa ukumbozwa.

Ukukhetha Uhlelo Olufanele

Ukukhethwa kwehlelo lomshwalense wemingcwabo eNingizimu Afrika kufanele kuthathwe ngokucophelela, kucatshangelwe izidingo zomndeni wonke kanye nezimo ezingase zenzeke.

Amahlelo amaningi anikela ngemishwalense ethile yezingane nabantu abadala, nokubaluleke kokukhetha okunembile kungenziwa kalula ngokwazi inketho ehambelana nezidingo zakho ezithile.

Izinketho Zomshwalense Wezingane

Abazali banenketho yokufaka izingane zabo emishwalense yemingcwabo.

Umshwalense wezingane uvame ukunikezwa njengesengezo sehlelo lomndeni, futhi amanye amahlelo anikela ngokwengeza izingane ngaphansi kweminyaka engu-21 ngaphandle kokukhokha imali eyengeziwe.

• • Amahlelo avame ukunikeza:
    • Ukumbozwa okusheshayo: Ukwengeza izingane emshwalense ngaphandle kokulinda.
    • Ukukhetha okuguquguqukayo: Izinkokhelo zenyanga zingahluka ngokuya ngezidingo.

Izicwangciso Zomshwalense Womndeni

Izicwangciso zomshwalense womndeni zenzelwe ukunikeza ukuvikeleka kubantu abaningi ngaphansi kwehlelo elilodwa.

Ihlelo lika-‘Assupol Funeral Plan’ lingafaka umndeni wonke kanye nabantu abadala ngokunikeza izimali ezingafinyelela ku-R75,000.00. Izingane, abalingani noma abazali bangafakwa kula mahlelo, nokwengeza umuntu omdala ongaphansi kwehlelo lakho kungase kuhlinzekwe ukumbozwa okwengeziwe.

• • Izici ezibalulekile zalezi zinhlelo zibandakanya:
    • Ububanzi bokumbozwa: Ukumbozwa kusuka kwabashadile, izingane, kanye nezihlobo ezengeziwe.
    • Ukukhethwa kwezindleko: Ukukhetha umbolo womshwalense olandelana nezidingo zezimali zomndeni.

Inqubo Yokufaka Isicelo Sokuhlawulwa

Lapho umuntu efaka isicelo sokuhlawulwa komshwalense womngcwabo, kubaluleke kakhulu ukulandela amanyathelo afanele ukuze kuqinisekiswe ukuthi izinzuzo zomshwalense zikhokhwa ngesikhathi futhi ngendlela efanele.

Imvamisa, inqubo yokuqala kufanele icacise imigomo yomshwalense, imibandela yokukhokha nezinqubo eziphathelene nokufaka isicelo.

Ukubaluleka Kokuthola Imininingwane Ngaphambi Kwesikhathi

Ukuqinisekisa ukuthi inqubo yokufaka isicelo sokuhlawulwa komshwalense womngcwabo ihamba ngaphandle kwezinkinga, umnikazi wepolisi kufanele azi kahle izinto ezithile:

• • Ulwazi Ngomshwalense: Umuntu kufanele aqonde kahle ukuthi umshwalense womngcwabo uhlanganisa ini, okubalwa ukungcwaba, isikhala sethuna (tombstone), nezindleko zokudla (catering) nobunye ubuhle.

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      Izikweletu Ezivamile: Kufanele kucaciswe ukuthi izikweletu zenyanga zikhokhwa kanjani, nokuthi zingathola ukwanda kwepremiyamu noma cha ngenxa yezizathu ezithile.

      
      
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      Ukufaka Isicelo: Inqubo yokufaka isicelo kumele ilandelwe njengoba kucacisiwe, kusukela ekuqoqeni imibhalo edingekayo kuye kokugcwaliswa kwezicelo zokukhokha (claim).

      
      
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      Izikhathi Zokulinda: Isikhathi esidingekayo ngaphambi kokuthola ukukhokhwa noma izinqubo ezikhethekile ezihlobene nokukhokha uma kushona umuntu ngengozi noma ngokwemvelo.

      
      

Umuntu kufanele aqinisekise ukuthi unawo wonke amaphepha adingekayo futhi uhlelo lokufaka isicelo luqondiswe kahle ukuze inkokhelo ye-inshurensi yokungcwaba ikhishwe ngesikhathi esifanele nangendlela efanele.

Lokhu kusiza ekuqedeni ukubambezeleka futhi kuqinisekisa ukuthi izidingo zokugcina zokungcwaba ziyahlangabezana.

Imibandela Nemigomo Yomshwalense Womngcwabo

Ukuqonda ngokucacile imibandela nemigomo yomshwalense womngcwabo kubalulekile ekukhetheni umkhiqizo ofanele wezidingo zomuntu siqu nezezimali.

Kumqoka futhi ukuhlukanisa phakathi komshwalense wempilo nezindleko ezihambisana nokuphila kamva.

Umshwalense Wempilo Nezindleko Zokuphila Kamva

Umshwalense womngcwabo uvikela umndeni wakho ekuthwaleni izindleko ezinkulu zomngcwabo ngaleso sikhathi esibucayi.

Imibandela yomshwalense ibalulekile, ngoba ichaza:

• • Ubudala obukhulu bokusebenzisa: Iningi lemishwalense inomkhawulo wobudala, okuzokwenza kube nomthelela ekufinyelelekeni kwensizakalo.
  • Izinzuzo ezinkulu: Isamba esiphezulu esingahlawulwa umshwalense singashintsha ngokwezigaba zomshwalense othile.

Abezindaba kudingeka bahlole njalo imibandela yezinkontileka zabo zomshwalense ukuqinisekisa ukuthi iyahambisana nezimo zabo zezimali nezidingo zabo zokuvikelwa.

Umshwalense wempilo ungabuye ube nemibandela eqondene nezindleko zokuphila nokungcola kohlamvu lwemali, okubalulekile ukuziqaphela uma kukhulunywa ngokulungiselela umhlalaphansi.