Ngaba kufuneka uthabathe imali mboleko yendlu? Ngaba uyekile ukutshaya nge-e-cigarette? Kwaye zilumkele izinto ezothusayo kuba nokuba yivaper i-inshurensi yakho yomboleki inokuhamba kakuhle ixabiso eliphindwe kabini !
ABANTWAYO, VAPERS, UMHLAKANKO WOKUBELEKELA I-INSHORENSI?
Ngubani othi i-inshurensi yomboleki ithi i-questionnaire yezonyango. Uxwebhu olubalulekileyo oluvumela iinkampani ze-inshorensi ukuba zazi ngakumbi kancinci malunga nempilo yabathengi bazo bexesha elizayo, ukumisela imingcipheko ekhoyo kunye nokusebenzisa naluphi na ukonyuka kweminikelo.
Olu xwebhu lunyanzelekileyo kufuneka lugqitywe ngokunyanisekileyo ngokuhambelana nenqaku L. 113-2 le ikhowudi ye-inshurensi. Nakuphi na ukunganyaniseki okunokuthi kukhokelela kwi-inshurensi ukuba ayihlolisise kwakhona ikhontrakthi okanye agqibe kwelokuba ayisebenzi kwaye ayinamsebenzi. Mhlawumbi ku bubi, njenge'ukukhubazeka okanye Ukuphulukana nomsebenzi, ngoko ke unokwala ukubuyisela umxhasi wakhe. Ukufunyanwa kwe-pathology edityaniswe nokutshaya ngexesha lekhontrakthi ayinakukhuselwa nokuba ngaba umxhasi wenze isibhengezo sobuxoki.
Njengevaper, uhlala uzijonga njengomntu "ongatshayiyo" kodwa ikhowudi ye-inshurensi ayahluli ngendlela efanayo:
“Ngokutsho kwemithetho yeinshorensi, nabani na ongazange atshaye okanye ongazange atshaye ebudeni beenyanga ezingama-24 ezidluleyo ngexesha lokutyobela isivumelwano ugqalwa njengomntu ongatshayiyo. Abalandeli bomphunga ngecuba lombane nabo bajongwa njengabatshayayo. »
Kungalunganga? Kanjalo ! Ngoko musa ukumangaliswa ukuba xa uthatha i-inshurensi yomboleki uphathwa njengentshayi!
ABANTWAYO, I-VAPERS, IXESHA ELIFANAYO LE-INSHORENSI YOMBONDI!
Kodwa eneneni ixabisa malini i-inshurensi yomboleki? Ngaba umahluko phakathi kwevaper/umtshayi kunye nomntu ongatshayiyo mkhulu?
Inyaniso yokuvakalisa ukuba umntu ongatshayiyo okanye ongeyena i-vaper ngexesha lemibuzo yonyango unokuzama ukuphepha iindleko ezongezelelweyo. Ngenene, umndilili weendleko ezibonisiweyo ze-inshurensi yemali-mboleko kwisibini sabatshayayo okanye abatshayayo yi-euro ezingama-30 xa kuthelekiswa nomyinge we-euro ezili-000 kwisibini esizibanga singatshayi. Kodwa umngcipheko ubalulekile kuba kwimeko yamathandabuzo umkhuseli unelungelo lokucela ingxelo efungelweyo kunye novavanyo lokubona ubukho benikotini, olwaziwa ngokuba luvavanyo “lwe-cotinine”.
Qaphela, nangona kunjalo, ukuba i Umthetho weHamon et l 'Ukulungiswa kweBourquin yenza kube nokwenzeka ukuphelisa ikhontrakthi ye-inshurensi yemali-mboleko ngomhla ngamnye wokugqiba unyaka, ngaloo ndlela kukhuthazwa ukhuphiswano phakathi kweentengiso kunye neziqinisekiso. Ezinye iinkampani zitshiphu kakhulu kune-inshurensi yebhanki kumngcipheko wonyango, ngoko kukuwe ukwenza ukhuphiswano lusebenze!
