5 Loj Insurance Npog Koj Yuav Tsum Muaj Rau Ruaj

Muaj ib yam dab tsi nrog kev tuav pov hwm - koj coj nws mus vim hais tias koj to taub cov kev pab them nqi thiab cov kev pab cuam, los yog koj tsis vim hais tias koj tsis muab ib tug hoot txog koj tus kheej thiab koj tsev neeg. Yog hais tias koj tau muab kev koom tes nyob rau hauv puas tau ib co kev huam yuaj thiab koj daim ntawv kho mob lub tuam txhab sai los rau koj cov nyiaj pab thiab muab koj nrog compensations los npog koj lub sij hawm thiab tsis, ces koj yuav txaus siab rau tus nqi thiab tseem ceeb ntawm kev tuav pov hwm tshwj xeeb tshaj yog hais tias koj yuav tsis tau tiav no tsis muaj koj tuav pov hwm. Muaj ob peb pawg thiab sub-pawg ntawm kev tuav pov hwm cov kev cai yuav tsum vov yuav luag txhua yam ntawm tibneeg thiab lawv tej, tab sis tawm ntawm lawv tag nrho, koj yuav tsum muaj cov nram qab no 5 kev tuav pov hwm npog los yeej yuav ruaj.

i. Ntawv kho mob: Koj tus kws kho yog txhua yam, thiab koj yuav tsum luag nws nrog kev tuav pov hwm kev npaj tias koj yuav tsum tau dab tsi ua nyob rau hauv lub neej. Feem ntau cov kev tuav pov hwm tuam txhab uas muag muaj ntawv kho mob tej pob khoom rau cov tib neeg thiab cov tsev neeg, thiab feem ntau ua hauj lwm muaj pab pawg neeg kho mob rau lawv cov neeg ua hauj lwm thiab cov neeg ua haujlwm. Ntawv kho mob yog heev tseem ceeb heev rau koj noj qab nyob zoo thiab cov neeg set cov hom phiaj koj muaj, thiab koj yuav siv tau ib yam ntawm cov Health Maintenance Organizations (HMO) Yog hais tias koj tsis tau tawm ib tug ncaj qha kev noj qab nyob txoj cai.

Kev pab kho mob muab koj npog los ntawm tej yam cia li tsis ua hauj lwm kev noj qab nyob los yog crises, thiab nws yuav siv sij hawm kev kho mob ntawm koj lub tsev kho mob nqi kho mob thiab cov kev siv nyiaj. Txawm hais tias tej zaum koj yuav tau them deductibles tej zaum thaum nws yuav kho mob cov txheej txheem zoo li surgeries, koj tseem zoo dua tawm nrog kho mob tshaj tsis muaj dab tsi nrog.

ii. Lub neej kev tuav pov hwm: Lub neej muaj ntawv kho mob yog ib yam tseem ceeb, feem ntau tshwj xeeb tshaj yog yog tias koj tu npaum li ntawd txog koj tsev neeg thiab cov me nyuam thiab xav lawv qhov zoo tshaj plaws tom qab koj tuag. Tsis muaj ib tug xav kom nws tsev neeg raug kev txom nyem tom qab nws tuag, thiab qhov no yog lom zem ntau heev tau thaum koj muaj ib lub neej muaj ntawv kho mob txoj cai nyob rau hauv qhov chaw. Nws muab koj tsev neeg thiab cov me nyuam lub hom txoj kev ua neej thiab kev kawm zoo uas koj xav rau lawv yuav tsum tau koj mam li nco dheev dhau. Tsis tas li ntawd, nrog ib tug tag nrho lub sij hawm lub neej kev tuav pov hwm txoj kev npaj, koj siv tau cov sau nyiaj raws li ib tug laus Scheme los yog txawm mus rau hauv peev nrog nws, thaum lub sij hawm koj yuav tau recycle tag nrho cov nyiaj rov; tab sis, nrog lub sij hawm lub neej kev tuav pov hwm koj xwb tsim nyog rau kev pab them nqi tom qab koj tuag.

iii. Vaj tse tuav pov hwm: Muaj koj puas tau xav txog burglary, thiab hluav taws kub qeeg? Muaj koj kuj xav txog natural disasters zoo li dej nyab thiab los nag ua koj lub tsev? Koj puas xav rau koj tus kheej thiab koj tsev neeg yuav tsum tau muab tawm rau hauv lub qhib txoj kev nrog txhua tseem ceeb vaj tse poob thaum ib yam ntawm cov teeb meem tshwm sim? Uas yog vim li cas koj yuav tsum tau raug txim koj lub tsev tiv thaiv hluav taws qeeg, dej nyab thiab los nag, burglary thiab tub sab tub nyiag, thiab lwm yam uas zoo sib xws teeb meem.

iv. Pib tsheb daim ntawv kho mob: Yog hais tias koj muaj thiab tsav ib lub tsheb, ces koj yuav tsum tau paub tias nws pib tsheb daim ntawv kho mob yog zoo nkauj yuav tsum tau thiab ib tug yuav tsum tau ntawm lub xeev cov kev cai. Koj yuav tsum muaj tsawg kawg yog peb-tog kev tuav pov hwm nyob rau hauv qhov chaw, yog hais tias koj tsav tsheb nyob rau hauv lub roads, txawm yog kev cai cover yog zoo npaum li cas. Pib kev tuav pov hwm tiv thaiv koj thiab muab koj lub tsheb coob uas xam nrog thiab lwm yam kev cov neeg siv nrog ib co cover thaum txoj kev tsheb xwm txheej tshwm sim - thiab qhov no yuav feem ntau yuav tuag.

v. Disability kev tuav pov hwm: Disability kev tuav pov hwm yog tseem tseem ceeb heev yog tias koj yog tus breadwinner ntawm koj tsev neeg. Nrog ib tug neeg xiam oob khab insurance npaj, koj them nyob rau hauv cov ntaub ntawv ntawm lub Hoobkas xwm txheej thiab lwm yam chaw ua hauj lwm raug mob uas tej zaum yuav ua rau ib tug tsis ntawm koj nqua, ob lub qhov muag los yog txawm kav koj invalid los yog cog lus rau ib tug lub rooj muaj log. Thaum koj xiam oob qhab thiab tsis ua hauj lwm los yog fend rau koj tsev neeg dua, kev tsis taus kev tuav pov hwm txoj kev npaj muab koj nrog rau ib co daim ntawv ntawm cov nyiaj thiab nyiaj txiag txhawb tau los ntawm.


Pab los ntawm no ncej? Ua tib zoo siv lub sib koom nyees khawm saum toj no qhia cov ncej nyob rau hauv koj nyiam kev tes hauj lwm. Kom paub tseeb tias koj nyob twj ywm mus txog hnub tim nrog peb cov khoom, nkag mus rau koj email mus sau npe yuav.

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Tags:5 Major Insurance Covers, 5 Loj Insurance Npog Koj Yuav Tsum Muaj Rau Ruaj
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