Kulesi siqephu sizochaza amagama ajwayele ukusetshenziswa abadayisa bomshwalense. Ukwazi lamagama kuzokusiza uma ufisa ukuthatha umshwalense noma ukuqonda kabanzi ngomshwalense wakho. Lokhu sizokwenza ngokuphendula lemibuzo embalwa.
IMUPHI UMEHLUKO PHAKATHI KOMSHWALENSE OBIZWA NGOSALABADLE, PHECELEZI LIFE COVER, KANYE NOMSHWALENSE WESIKHATHI ESIFISHANE, PHECELEZI SHORT-TERM INSURANCE?
Usalabadle wenzelwe ukuvikela lowo ongumninipholisi, umndeni wakhe, amafa akhe noma labo abakweletwayo uma eseshonile noma elahlekelwa umholo ngenxa yokukhubazeka, kanti umshwalense wesikhathi esifishane uvikela ukulahleka noma ukulimala kwempahla yakho, njengomuzi noma imoto.
UYINI USALABADLE WESIKWELETU OWAZIWA NJENGE-CREDIT LIFE COVER?
Usalabadle wesikweletu ujwayele ukuthathelwa ukuvikela abahlinzeki bezimali zokubolekisa futhi ukuwuthatha kungaba umbandela wokuthola imali kumhlinzeki. Lo mshwalense ukuvikela ukuthi abahlinzeki obakweletayo bangadli imali yamafa akho ukukhokhela isikweletu onaso nabo, uma kufika ukufa, ukukhubazeka kanye nokudilizwa emsebenzini. Uma sekufika isikhathi sokuthi ukhokhe usalabedla wesikweletu, umvuzo ujwayele ukuya kumhlinzeki wesikweletu.
KUYINI UKUBAMBISA NGOSALABADLE OKUBIZWA NGOKUTHI “CEDE”?
Ilapho usuke udlulisa amalungelo akho omvuzo wepholisi, usalabadle, komunye umuntu noma inhlangano. Khumbula noma uwadlulisile amalungelo akho omvuzo wepholisi, usalindelekile ukuthi uqhubheke nokuyikhokhela ipholisi yakho njengokwesvumelwane nabomshwalense. Kuyothi uma kufika isikhathi sokukhokhwa komvuzo, kuyobe sekukhokhelwa lo owadlulisela amalungelo kuyena.
INGABE IPHOLISI YOMSHWALENSE IMISWA, NGOKWESINGISI UKU-LAPSE, MAKUNJANI KANTI INGAVUSELELEKA NA?
Ipholisi yomshwalense imiswa uma ungakhokhi njengoba kusuke kuvunyelwene ngokwemigomo nemibandela yepholisi. Lokhu kuchaza ukuthi awusavikelekile ngaphansi kwaleyo pholisi.
Umhlinzeki womshwalense engayivuselela ipholisi inqobo uma isimo sakho ngokwemingomo nemibandela yaleyo pholisi ingakoshintshi. Ukulindele ukuthi umhlinzeki womshwalense engakucela ukuthi ukhokhele zonke izimali ozeqile ubuye unikezele ngemininingwane yesimo sempilo yakho.
INGABE IPHOLISI YOMSHWALENSE ISEBENZA ISIKHATHI ESINGAKANANI?
Amapholisi angathathelwa isikhathi esithize, esingangempilo yomuntu yonke noma isikhashana ngesikhathi usabolekile ngabe impahla noma imoto. Lokhukuncike kuhlobo lwomshwalense owudingayo.
Lesi siqeshana senzelwe ukuhlinzeka ulwazi olukha phezulu ngenhloso yokufundisa. Inhloso yaso akusikhona ukubonisa ngokwezimali.
Uma kwenzeka uba nesikhalazo ngomhlinzeki womshwalense wakho, kufanele uqale uxhumane naye ukuze nizame ukulixazulula udaba. Uma inkinga ingaxazululeki, ungathumela isikhalazo esigungwini sezikhalazo (Ombudsman), esiyokwazi ukuthi sikuxazululele inkinga yakho mahhala, ngobuchule nangokungachemi.
FAIS OMBUDSMAN DETAILS
POSTAL ADDRESS: PO Box 74571, Lynnwood Ridge, 0040
TELEPHONE: 012 470 9080 or 0860 324 766
FAX: 012 348 3447
OMBUDSMAN FOR SHORT TERM ASSURANCE DETAILS POSTAL ADDRESS: PO Box 32334, Braamfontein, 2017 TELEPHONE: 0860 726 890 FAX: 011 726 5501
