INkundla ePhakamileyo inika, ngesigwebo, i-inshorensi yokukhubazeka ngokupheleleyo kumntu owayesakuba ngumguli oneleukemia, ngokwamkela umhla wokuxilongwa njengomhla wengozi.
I-inshorensi yobomi, edityaniswe kwimali-mboleko yokubambisa, ibandakanya ukhubazeko olusisigxina njengokhuseleko oluncedisayo. Ngokutsho komnye we
ngokwezi njongo umhla wengozi uya kungqamana nomhla wokuqatshelwa kokukhubazeka liqumrhu elinobuchule.
Ngelixa ikhontrakthi isasebenza, i-inshorensi yakhutshwa ngenxa yesifo esiqhelekileyo kwaye yafunyaniswa ukuba ine-leukemia ebukhali kwiintsuku ezimbalwa kamva.
Unyaka kunye nesiqingatha kamva, xa i-inshurensi ingasasebenzi, wavakaliswa kwimeko yokukhubazeka ngokusisigxina ngenxa yesifo esiqhelekileyo, emva kweNgcaciso-Isiphakamiso seQela loVavanyo lokuKhubazeka (EVI) elichaza umfanekiso oyintloko wekliniki njenge i-leukemia eyingozi.
Ibango le-inshorensi yaxhaswa kwiimeko zombini kwaye ngoku iNdlu yokuQala iyasichitha isibheno se-inshurensi, ngaphandle kwenkalo enye ehambelana nomyalelo wabaxhamli be-inshurensi.
Ngokungafaniyo nento eyenzekayo kwimeko yokukhubazeka okubangelwa yingozi, apho umhla ochaphazelekayo wokugqiba ukwenzeka kwebango ngumhla wengozi, kwaye kungekhona isibhengezo esilandelayo sokukhubazeka, i-Insurance Contract Law (LCS) yenza Unganiki nkcazelo yokukhubazeka okubangelwa sisifo.
Kwimeko ethile yomthetho woKhuseleko lwezeNtlalo, iNdlu yoKhuseleko lweNtlalo yeNkundla ePhakamileyo iye yatolika ukuba, njengomgaqo jikelele, iya kufumaneka ngomhla we-EVI uluvo kwaye, ngaphandle komhla wesiganeko esibangela isiganeko. inokubuyiselwa kumzuzu wangempela apho ulandelelwano lusisigxina kwaye lungenakuguqulwa.
I-Civil Chamber sele ilungelelanise i-jurisprudence yayo ngosuku lwayo kunye ne-Social Chamber ngokomhla wengozi kwi-inshurensi yengozi kwaye kulo mthetho we-Plenary ulungelelwaniso olufanayo lwenziwa malunga nomhla wengozi. kwi-inshurensi yokukhubazeka okanye esisigxina. Ngenxa yoko, kucingelwa ukuba zigqitywe phantsi komgaqo jikelele kunye nezinto ezingaphandle eziveziweyo, ukongeza, zihambelana nomgca wezomthetho weCandelo lokuQala.
Kule meko, ukuthatha umhla we-EVI uluvo njengomhla webango, ibango liza kwenzeka ngaphandle kwexesha lokuqinisekiswa komgaqo-nkqubo ukuba umgaqo jikelele usetyenziswa. Kodwa oogqirha abathandanayo ngaphambi kokuba kuchazwe babonisa ukuba isifo esibangela ukukhubazeka okusisigxina -i-leukemia- ityhilwe njengesigxina kwaye ayinakuguqulwa njengokuxilongwa kokuqala, okwenzekayo xa umgaqo-nkqubo usasebenza, ngenxa yeso sizathu ngaphandle evumela ukuba kuqwalaselwe umhla wobubi. ukuxilongwa kwesifo kunye ne-inshurensi yokhuseleko ibhengezwe. Igatya lomgaqo-nkqubo obeke umhla wengozi ngexesha eligqitywe ngumbutho ofanelekileyo unciphisa amalungelo omntu okhuselweyo, ngoko ke, ngokungafezekisi iimfuno zobugcisa. 3 LCS (ayikhankanywanga kumgaqo-nkqubo kwaye ayichazwanga ngokucacileyo), isiphumo asifumaneki.
ukucinywa kwe-mortgage
Okokugqibela, njengoko iyi-inshorensi edityaniswe kwimali-mboleko yendlu-mboleko apho umxhamli wokuqala ochongiweyo wayeyibhanki ebolekayo, kumiselwe ukuba, kuhlawuliswa isixa se-inshorensi, ibhalansi eseleyo yemali mboleko kufuneka ihanjiswe kuqala ebhankini kunye nentsalela. , ukuba ikhona, kumntu ofakwe kwi-inshorensi. Ngeli xesha, isibheno se-inshurensi siqikelelwa.
