Khoti Lalikulu lamilandu, kudzera mu chigamulo, chithandizo cha inshuwaransi yolemala kotheratu kwa wodwala yemwe anali ndi khansa ya m'magazi, povomera tsiku lodziwika kuti ndi tsiku la ngoziyo.
Inshuwaransi ya moyo, yolumikizidwa ndi ngongole yanyumba, imaphatikizapo kulumala kotheratu monga chithandizo chothandizira. Malinga ndi mmodzi wa
ziganizo, pazifukwa izi tsiku la ngozi lidzagwirizana ndi tsiku lozindikira kulumala ndi bungwe loyenerera.
Ngakhale kuti mgwirizano udakalipo, wothandizira inshuwalansiyo adatulutsidwa chifukwa cha matenda wamba ndipo adapezeka ndi khansa ya m'magazi patatha masiku angapo.
Chaka ndi theka pambuyo pake, pamene inshuwaransi inali itatha, adalengezedwa kuti ali ndi chilema chosatha chifukwa cha matenda wamba, pambuyo pa Lingaliro-Lingaliro la Gulu Loyesa Olemala (EVI) lomwe linalongosola chithunzi chachikulu chachipatala monga pachimake khansa ya m'magazi.
Zonena za inshuwaransi zinatsimikiziridwa muzochitika zonse ziwiri ndipo tsopano Bungwe Loyamba likutsutsa apilo ya inshuwalansi, kupatulapo mbali imodzi yokhudzana ndi dongosolo la opindula ndi inshuwalansi.
Mosiyana ndi zomwe zimachitika pakulemala komwe kumachitika chifukwa cha ngozi, pomwe tsiku loyenera kudziwa zomwe zachitika ndi tsiku la ngoziyo, osati lachidziwitso chotsatira cha kulumala, Lamulo la Insurance Contract Law (LCS) limachita. osapereka tanthauzo la kulemala komwe kumachitika chifukwa cha matenda.
Pankhani yeniyeni ya malamulo a Social Security, Bungwe la Social Security Chamber of Supreme Court latanthauzira kuti, monga lamulo, lidzapezeka pa tsiku la maganizo a EVI komanso kuti, kupatulapo, tsiku la chochitikacho. ikhoza kubwezeredwa ku nthawi yeniyeni yomwe zotsatizanazi zimakhala zokhazikika komanso zosasinthika.
Bungwe la Civil Chamber linali litagwirizanitsa kale malamulo ake m'masiku ake ndi a Social Chamber malinga ndi tsiku la ngozi ya inshuwalansi ya ngozi ndipo mu chigamulo ichi cha Plenary mgwirizano womwewo ukuchitika pokhudzana ndi tsiku la ngozi. mu inshuwaransi yolemala kapena olumala okhazikika. Chifukwa chake, zimaganiziridwa kuti zimatsirizidwa pansi pa lamulo lachiwopsezo komanso zowonekera zomwe, kuwonjezera apo, zimagwirizana ndi malamulo a Khothi Loyamba.
Pachifukwa ichi, kutenga tsiku la lingaliro la EVI monga tsiku lachidziwitso, zonenazo zikanachitika kunja kwa nthawi yovomerezeka ya ndondomekoyi ngati lamulo likugwiritsidwa ntchito. Koma madotolo omwe adakumana nawo asanafotokozedwe akuwulula kuti matenda omwe amayambitsa kulumala kwamuyaya - khansa ya m'magazi - imawululidwa ngati yokhazikika komanso yosasinthika ngati matenda oyamba, omwe amachitika pamene lamuloli likugwirabe ntchito, chifukwa chake kupatula komwe kumalola kuganizira tsiku la wochimwayo. matenda a matendawa ndi chithandizo cha inshuwalansi chimalengezedwa. Chigamulo cha ndondomeko yomwe inakhazikitsa tsiku la ngozi pa nthawi yomwe bungwe loyenerera lidatsimikiza limachepetsa ufulu wa inshuwalansi, choncho, posakwaniritsa zofunikira za luso. 3 LCS (siyikuwonetsedwera mu ndondomekoyi ndipo sinafotokozedwe momveka bwino), zotsatira sizikupezeka.
kubweza ngongole
Pomaliza, popeza ndi inshuwaransi yolumikizidwa ndi ngongole yanyumba yomwe wolandila woyamba kubwereketsa anali banki yobwereketsa, zatsimikiziridwa kuti, zomwe zaperekedwa ku inshuwaransi, ndalama zomwe zatsala ziyenera kuperekedwa ku banki ndi zotsalazo. , ngati alipo, kwa omwe ali ndi inshuwaransi. Pakadali pano, apilo a inshuwaransi akuyerekezedwa.
