Ukubuyekeza imboni yomshwalense wemingcwabo kudinga ukushayelwa ihlombe, kuloba uJabulani Sikhakhane
ABELUSI bemboni yezimali bazobuyekeza ukusebenza yomshwalense womngcwabo. Lolu phenyo luzothinta nokusebenza kwabangcwabi njengoba sekuneminyaka bedayisa umshwalense wemingcwabo.
Laba belusi yiFinancial Sector Conduct Authority (iFSCA) nePrudential Authority (iPA), eyingxenye yeBange lomBuso. Bamemezele ngenyanga edlule (uNovemba) ukuthi bazobuyekeza ukusebenza kwale mboni, ikakhulu imigomo ephathelene nokudayiswa kwemishwalense yemingcwabo.
Bazobheka futhi okuphakanyiswe ngabangcwabi nokusuka kubo abelusi okuphathelene nokusebenza kwale mboni.
Ubalulekile umshwalense womngcwabo emindenini, ikakhulukazi ehola kancane, njengoba ingenamali ebekiwe ilindele izidingo eziqhamuka esikhaleni njengezindleko zomngcwabo.
Luningi ucwaningo olukhomba ukuthi abantu abenganamshwalense wezindleko zomngcwabo bazithola ezinkingeni ezinkulu uma kushona ilungu lomndeni.
Ukukhokha izindleko zomngcwabo kanye nezinye ezihambisana nesifo emndenini baphoqeka ukuboleka imali izinga lenzalo yalo eliphezulu. Le mali ingathatha isikhathi eside ukuyikhokha, okunganciphisa imali yezidingo zekhaya njengokudla. Yingakho abantu bevame ukuzithathela umshwalense wezindleko zomngcwabo ukuzivikela kule ngozi yokungena ezikweletini.
FUNDA NALAPHA: https://www.umbele.co.za/2024/01/24/izindaba-ezinhle-ngesikhwama-somshwalense-wokuvikela-imali-esebhange-kuloba-ujabulani-sikhakhane/
Nokho umshwalense wezindleko zomngcwabo udala ezinye izinkinga. Ebaluleke kakhulu eyokunyuka kwezindleko zomngcwabo. Sekwaba wumncintiswano ukuthi umndeni usebenzise imali engakanani ukufihla ilungu lawo.
Nokho asikho isidingo sokuthi uma umshwalense ukhokhe uR50 000 ngelunu bese lesi samba sisetshenziswa sonke ukuthenga ibhokisi elimba eqolo, kuqashwa nezimoto zikanokusho. Umndeni ungathenga nje ibhokisi elishibhile, unciphise nezinye izindleko zomngcwabo, kuthi imali esalayo isetshenziselwe ezinye izidingo zekhaya. Ingabekelwa izindleko ezingaqhamuka esikhaleni ngomuso.
I-FSCA nePA bathi kubili abangakuboni kahle ngokusebenza kwabangcwabi emkhakheni womshwalense. Okokuqala, abangcwabi bavame ukusebenzisana nezitok’fela zomasingcwabisane. Abangcwabi baqoqa imali ezitok’feleni, bathenge umshwalense enkampani ewuthengisayo. Kudala loku kwadala inkinga yokuthi kungaqondakali kahle ukuthi wubani ikhasimende lenkampani edayisa umshwalense; ingabe wmngcwabi noma ngamalunga kamasingcwabisane.
Okwesibili, kwenza umsebenzi wezinkampani zomshwalense ubenzima. Ibhizinisi lomshwalense lisebenza kahle uma inkampani inolwazi ngomuntu oyikhasimende, ikakhulukazi ngesimo sempilo yakhe.
Okwesithathu, uhlobo lomshwalense oluthengiselwa omasingcwabisane lwaveza enye inkinga. Kwatholakala ukuthi abanye abangcwabi bavuka basuse ibhizinisi labo enkampanini ethile yomshwalense balise kwenye ngaphandle kokubonisana nomasingcwabisane. Lokhu kwakushiya amalunga omasingcwabisane engazi ukuthi iyiphi inkampani yomshwalense abanepholisi nayo.
Konke lokhu kwakushiya amalunga omasingcwabisane ezinkingeni, enkulu kungukuthi izinkampani zomshwalense zazinganawo amandla okunikeza lamaluna isevisi efanele njengokwemigomo ebekwe abelusi.
I-FSCA ne-PA bathi zisekhona izinkinga. Bathi kusenenani elikhulu losomabhizinisi, phakathi kwabo okukhona nabangcwabi, abadayisa imishwalense engekho emthethweni. Loku kusho ukuthi baqoqa imali ebanjwa nyanga zonke ngokungekho emthethweni olawula ukusebenza kwezomshwalense.
Ngaphandle kokuphula umthetho, lolu hlobo lokusebenza lubeka abantu abathenga la ma-policy engcupheni yokuthi bangatholi mali uma kwenzeka befaka izicelo zokungcwaba; noma bangakhokhelwa imali ephelele ngokwesivumelwano.
Abelusi bathi ngaphandle nje kwengcuphe yokungatholi imali abathenga lolu hlobo lomshwalense bangaphatheka kabi emoyeni uma bengakwazi ukungcwaba amalungu emindeni yabo ngoba “umshwalense” abebethembele kuwo usushabalale njengamazolo kuphuma ilanga.
Nalapho omasingcwabisane besayina isivumelwano nenkampani yomshwalense ebhalisiwe kuvela izinkinga. Enkulu ngeyokungatolikwa ngendlela kwemigomo elawula ukusebenza kwale mboni. Loku kugcina kwenze abantu abathenge lolu hlobo lomshwalense bengatholi impatho efanele, ikakhuluka uma befaka izicelo zokungcwaba.
Abangcwabi bona bakhononda ngokuthi imigomo elawula imboni yomshwalense yenza ukusebenza nentuthuko yabo ibenzima. Enye yezinhloso zoshintsho olwenziwa ngo-2017 wukwandisa amathuba ezinkampani ezincane, ikakhulu zabantu, ukuthi zikhule nazo zibeyizinkampani zomshwalense ezibhekile.
Abangcwabi bathi bathwala nzima uma befaka izicelo zokubhaliswa ukuthi babeyizinkampani zomshwalense kanti nemali inkampani esungulwayo okufanele ibenayo ayitholakali kalula.
Okwesibili, akulula ukusebenzisana nezinkampani ezinkulu zomshwalense. Zintathu izingqinamba. Eyokuqala, inzima imigomo ebekwa yilezi zinkampani ezidayisela abangcwabi uhlobo lomshwalense olwaziwa ngokuthi, phecelezi yi-underwriting.
Lolu hlobo lusebenza kanje. Umngcwabi udayisela omasingcwabisane ama-policy omshwalense bese ethatha ingxenye yemali ayiqoqa ngenyanga komasingcwabisane ayothenga lolu hlobo lomshwalense ezinkampanini ezinkulu.
Lena yindlela yokuthi umasingcwabisane unciphise ingozi ongabhekana nayo, ikakhulu uma usuxinwe yinani elikhulu lezi zicelo. Nokho lolu hlobo lomshwalense lungaba nenkinga uma izinkampani zomshwalense zixebula imali enkulu yemali ekhokhwa nyanga zonke yomasingcwabisane. Kungamshiya engasenzi nzuzo, okunganciphisa amathuba akhe okukhulisa ibhizinisi.
Abangcwabi babuye bakhononde ngokuthi ukuchitshiyelwa komthetho i-Insurance Act ngo-1998, okwaguqula incazelo yeqoqo uma kudayiselwana umshwalense, kwabephuca amakhasimende anikwa izinkampani zomshwalense. Umasingcwabisane othenga umshwalense uthathwa njengeqoqo.
Abelusi bathi bazimisele ukusebenzela intuthuko yemboni yomshwalense wemingcwabo lapho abangcwabi beneqhaza elikhulu khona.
I-FSCA nePA bathi bacubungula ngakho konke loku ukuze bathole isisombululo. Bazobamba izigcawu zokucija abantu ezinyangeni eziyisithupha zokuqala kwangonyaka ozayo ukuze bathole uvo lwabantu nabantu bonke abathintwa yiloku.
Abathintekayo kuloku nabafuna ukumenywa ezigcawini zokucijwa ngolwazi, bangathumela imininingwane yabo ku: FSCA.funeralins@fsca.co.za
