Ntsiab lus tseem ceeb:
- Xav kom txheeb yus tej insurance tas mus li tias cover dab tsi thiab tsis cover dab tsi raws li tej xwm txheej uas yuav muaj tau rau yus lub tsev thiab yus tej cuab yeej cuab tam.
- Tej zaum kuj yuav muaj ntau txoj xub ke ua rau yus lub tsev raug dej nyab, thiab tsis yog insurance yuav cover txhua cov xwm txheej dej nyab uas yus xaiv yuav thiab.
- Thiaj xav kom txheeb tej nqe insurance nrog ntau lub tuam txhab muag insurance thaum yuav tej insurance no los yog thaum kho tsev thiab yuav insurance pov puag yus tej cuab yeej cuab tam.
Muaj ob hom nyiaj tuav pov hwm (insurance) pov puag tsev li: tuav pov hwm lub tsev thiab tuav pov hwm tej khoom cuab yeej cuab tam.
Jodi Bird uas yog ib tug kws paub zoo txog insurance ntawm CHOICE hais tias:
''Yog tias koj yog tus tswv ib lub tsev lawm los sis txhab nyiaj tseem yog tus tswv ntawm lub tsev koj nyob, ces yog tej yam zoo uas koj yuav tau yuav insurance pov puag ob hom tsev no tib si, thiab yog tias koj ho ntiav nyob xwb ces xav kom koj yuav insurance pov puag koj tej khoom cuab yeej cuab tam thiab,''
Tej khoom uas yus yuav insurance pov puag kuj yog tej khoom siv hluav taws xob, tej twj siv sib tw, tej zeb nuj thiab sawb kub, tej twj kho mob, mus txog rau tej roj tog, tej twj ua noj ua haus, ris tsho, khau, tej khoom qub uas yus tsev neeg muab rau yus etc,.
Vim cov nyiaj tuav pov hwm cuab tam (Contents insurance) no yuav pab kho los yog hloov yus tej khoom uas raug pua los yog ploj cuam tshuam nrog ib co xwm txheej uas yuav tau txais kev pov puag.
Mr Bird txhab txhais tias "Yeej muaj ib co twj los pab yus xam tias yus tej cuab tam no raug nqe li cas.''
Thiaj xav kom yus sau tej npe ntawm yus tej cuab tam uas yus xav yuav insurance pov puag thiab maj mam txheeb ib yam zuj zus thiab raug nqe npaum li cas. Credit: Eleganza/Getty Images
Ua tib zoo rov qab los txheeb tej insurance yus yuav cover
Daim ntawv Product Disclosure Statement (PDS) yog ib daig uas yeej qhia tias yus tsab insurance policy cover dab tsi thiab tsis cover dab tsi.
Thiab ib cov kev tsis cover uas muaj neeg coob heev tsis tshua kub siab txog ces yog cov kev tsis nyob ntawm yus lub tsev rau ib lub caij ntev loo.
Mr Bird ceeb toom tias “Yog tias yus yuav mus holiday rau ib lub caij ntev loo, los sis piv txwv li tawm ntawm yus lub tsev rau lub caij tseem kho tsev, ces yus yuav tau qhia rau yus lub tuam txhab insurance paub vim tej zaum lawv yuav tsis pov puag (cover) yus yog tias yus mus ntev heev,”
Ib tsab home insurance policy twg ces yeej pov puag ntau yam xwm txheej piv txwv li tub sab nyiag khoo, kub hnyiab, raug nag xob nag cua thiab dej nyab.
Thiaj xav kom ua tib zoo txheeb tas mus li tias seb lawv tsis pov puag (cover) dab tsi.
Piv txwv li seb puas yog yus nyob ze tej ntug hiav txwv, ces txheeb seb yus tsab policy teev li cas txog tej dej hiav txwv uas tsim kev puas tsuaj li cas.
Mr Bird hais tias “Tsis hais yog tej nthwv dej hiav txwv tshoom siab tuaj nyab, nag xob nag cua ua rau tej hiav txwv tshoom siab tuaj nyab, tej xwm txheej no ces yeej tsis raug cover ntawm yus cov home insrance,”
Tsis tas li ntawd los kuj pom tias muaj ib co xwm txheej kub hnyiab yeej tsis tau txais kev pov puag li thiab.
“Tej zaum kuj yuav tsis cover tej yam raug kub hnyiab yog tias tsis muaj nplaim taws kub. Piv txwv li tej zaum yus daws ib lub twj tso cua kub vau rau pem teb tab sis tsis muaj nplaim taws kub tab sis ua rau tej ntaub pua pem teb kub hnyiab, ces yuav tsis cover yus tej ntau pua pem teb (carpet).”
Tej home insurance policy feem ntau ces yeej cov yus tej khoom uas raug tej tsiaj tsim kev puas tsuaj, tab sis yuav tsis cover yus tej khoom uas raug yus tus tsiaj ntawm tsev tsim kev puas tsuaj rau. Credit: sturti/Getty Images
Tej neeg yuav tsev
Yog tias yus yog cov neeg qev nyiaj ntawm ib lub txhab nyiaj twg los yuav tsev ces yus yeej ib txwm yuav tau yuav cov home insurance los pov puag yus lub tsev.
Andrew Hall uas yog tus coj ntawm lub koom haum Insurance Council of Australia.
Nws hais tias tsim nyog tej neeg uas xav yuav tsev nyob tsim nyog yuav tau mus txheeb tej insurance nrog ntau lub tuam txhab muag insurance rau lub caij lawv tseem yuav txheeb tias seb yuav qev nyiaj li cas los yuav tsev.
Hall hais tias “Thaum uas yus yuav ib lub tsev ntawm Australia no, ces yus tsab insurance policy yuav tsum cover tej xwm txheej ib yam dab tsi uas yuav tsim tau kev puas tsuaj rau yus lub tsev. Thiab yog tias yus ho nyog rau ib thaj chaw uas muaj tej nroj tsuag xyoob ntoo ntau los yog muaj hav zoov, ces yus yuav tsum tau ua tib zoo txheeb xyuas kom cov insurance ntawd pov puag tej xwm txheej hav zoov kub hnyiab thia.”
Thaum tham txog cov kev yuav nyiaj tuav pov hwm (insure) yus lub tsev lawm, ces yog tham txog tej nqe rov qab los ua dua yus lub tsev tshiab tus nqe tiag, tsis yog tus nqe muag tsev ntawm tej kiab khw lagluam muag tsev, uas txawv ntawd. Credit: svetikd/Getty Images
Nws thiaj hais kom yuav tsum txheeb nrog tej neeg muag tsev thiab tej nom tswv zos tas mus li tias seb thaj chaw ntawd puas yog ib thaj chaw yuav raug dej nyab. Yeej muaj ib co nom tswv zos yuav qhia rau yus paub tias seb ib lub tsev twg puas yog lub nyob rau ntawm thaj chaw yuav raug dej nyab — tab sis yeej muaj ntau thaj chaw ntawm Australia no yeej tsis muaj tej xov xwm no qhia rau yus paub thiab.
Thiaj yog tej yam tseem ceeb heev yuav tau kub siab mus nrhiav tej xov xwm txog tej xwm txheej ntuj yuav tsim kev puas tsuaj uas yuav muaj tau ib puag ncig yus lub tsev ntawd.Andrew Hall, CEO, Insurance Council of Australia.
Yuav ua li cas rau tej nqe insurance uas kim tuaj ntxiv
Thoob teb chaws Australia no ces yeej tau kwv yees tias muaj tej tsev yam tsawg li 11 feem pua yeej tsis muaj insurance pov puag li. Thiab muaj qee cov chaw ces yeej muaj tej tsev ntau heev uas yeej tsis yuav insurance pov puag li thiab.
Professor Paula Jarzabkowski uas yog tus paub txog cov hauj lwm Strategic Management (tswj tej peev txheej kom ua tau raws li tej hom phiaj) ntawm tsev kawm qib siab University of Queensland ces yeej yog ntiaj teb ib tug kws paub zoo txog cov insurance pov puag tej xwm txheej raug kev puas tsuaj thiab tej insurance yuav pov puag tsis duav tsis txaus.
Nws hais tias muaj ntau yam laj thawj ua rau tej zaum tej neeg kuj xaiv tsis yuav insurance pov puag los yog tej zaum yuav insurance pov puag tsis txaus, tab sis qhov txaus txhawj xeeb tshaj ces yog cov kev tsis muaj peev xwm yuav tau cov insurance no siv.
Australian Bureau of Statistics (ABS) tej xov xwm tshiab qhia tias tej insurance (nyiaj tuav pov hwm) no yog ib co tseem ceeb ntawm ntau cov uas ua rau muaj ntuj nqe siv ua lub neej kim tuaj ntxiv, vim yuav tau them tej nqe yuav home and content insurance kim. Credit: PamelaJoeMcFarlane/Getty Images
Underinsurance yog dab tsi
Prof Jarzabkowski tshab txhais tias “Yog tias yus yuav cov insurance pov puag tsis txaus ces txhais tias tsuas cover yus qee yam ntawm ntau yam uas yus xav tau xwb, piv txwv li yog thaum yus nyob rau thaj chaw raug dej nyab, los yog cover tej xwm txheej tub sab tab sis tsis muaj cov kev pov puag yus rau tej xwm txheej dej nyab ,”
Thiab tej zaum yus kuj yuav insurance pov puag tsis txaus yog tias yus pheej tseem pov puag yus lub tsev thiab yus tej cuab yam li qub ntawm ib lub xyoos twg xwb, uas tej zaum tej nqe cover yus tej khoom puas ntawd kuj kim tuaj ntxiv thiab.
“Lo lus 'underinsurance' no txhais tau tias yus tsis tau nyiaj insurance txaus coj los hloov/yuav tej khoom raug puas lawm vim tej nqe tau kim tuaj ntxiv.”
Yog tias yus tsis muaj peev xwm yuav insurance los pov puag tej xwm txheej huab cua, ces xav kom yus yuav tej insurance pov puag yooj yooj yim li lub tshuab ntxhua khaub ncaws puas/paim dej los nyab peb teb. Credit: Sollina Images/Getty Images/Tetra images RF
Tej yus yuav tau ua coj los pab tiv thaiv thiab pov puag yus thiab yus lub tsev
Tsis hais yus yuav los tsis yuav insurance pov puag tej xwm txheej ntuj tsim kev puas tsuaj pov puag yus lub tsev li, Prof Jarzabkowski taw qhia kom yus yuav tau txheeb xyuas tej txuas ntxiv no:
- Yuav nqa dab tsi nrog yus yog thaum muaj cov kev ceeb toom kom yus tsiv tawm mus rau lawm qhov chaw?
- Yus puas tau muab yus tej ntaub ntawv tseem ceeb khaws cia hauv online?
- Yus puas tu thiab cheb yus tej kwj tsev, ciav dej thiab txheeb tej qhov raj dej tas mus li? Tej kauj ruam no yuav pab tiv thaiv kom tsis txhob muaj dej ntws los nyab yus los yog kom tej dej tsis txhob tshoom phwj tuaj nyab vim tej zaum tej qhov raj dej los yog tej ciav dej txhaws.
- Yus puas tu tej xyoob ntoo ib puag ncig yus lub tsev kom du dais? Los yog puas txiav tej nyom uas fab ntxhov hnyo los sis puas txiav tej ntoo uas yuav vau yuav dam uas tsim kev puas tsuaj tau rau lub caij muaj cua hlob.
- Thiab yog tias yus ho nyob rau qhov chaw uas pheej muaj khaub zeeg cua hla, ces se puas yuav tau yuav tej qhov rais ruaj coj los nruab rau?
- Yus lub ruv tsev puas ruaj thiab khov txaus?
Cov kev tu kom tsis txhob muaj tej nplooj lwg thiab tej khaub ntawm yus tus ciav dej yuav pab pov puag yus lub tsev thaum muaj tej xwm txheej dej nyab los yog kub hnyiab. Credit: LittleCityLifestylePhotography/Getty Images
Insurance policy's terms and conditions
Tej ntaub ntawv insurance contracts los yeej ib txwm yog ib co ntau ntawv ntau thiab muaj tej lus zoj khi ntau yam ces thiaj yog tej yam to taub tsis tau yooj yim, tab sis kuj tseem ceeb uas yus yuav tau ua tib zoo txheeb kom ntxaws.
Prof Jarzabkowski hais tias “Kuv xav tias zoo li tag nrho peb sawv daws yeej mloog tias zoo li peb txhaum me ntsi thiab tej thaum nas! uas peb cia li mus kos rau nqe lus 'yes, I agree - Yog, kuv pom zoo' rau txhua yam, yam tsis paub tias peb tau pom zoo nrog dab tsi los sis peb pheej maj rov qab los renew peb tej insurance policy xwb,”
Yog li thiaj yog tej yam tseem ceeb peb yuav tau txheeb kom peb paub tias tej insurance ntawd cover dab tsi thiab tsis cover dab tsi.
“Insurance ces yeej yog ib co financial product thiab tej neeg yeej txhawj txog tej no heev, tab sis qhov tseem ceeb ces peb yuav tau nyeem tej lus zoj khi (terms and conditions) ntawm tsab policy uas peb yuav ntawd thiab nug ntua yam lus nug cuam tshuam txog tsab policy ntawd.”
Yus yeej muaj cai nug thiab lub tuam txhab ntawd yeej yuav tau txhab txhais ntau yam rau yus kom yus nkag siab.Professor Paula Jarzabkowski, University of Queensland
Shopping around for cheaper insurance premium
Jodi Bird uas yog CHOICE tus kws paub zoo txog insurance hasi tias txawm tias yus tsuas xav txheeb seb yuav rov qab renew yus tej insurance xwb, los kuj yog tej yam tsim nyog uas xav kom yus txheeb ntau lub tuam txhab thiab nrog lawv sib khom kom yus tsis txhob raug nplua raws li cov 'loyalty penalty' thiab.
“Peb pheej ua raws li qhov peb xav xwb thiab tsis txheeb qhov tseeb tias yog peb ua siab dawb siab ncaj thiab pheej tseem yuav insurance nrog lub tuam txhab qub txuas ntxiv ces tej zaum lawv yuav txo nqe pheej yig rau yus ... Tab sis tej tuam txhab insurance tsis ua li peb xav ntawd.
“Thiab yog tias yus pheej renew yus tsab insurance policy thiab them tej nqe insurance premium li qub txhua xyoo, ces lawv haj yam yuav tsub nqe kim tuaj ntxiv rua yus them yog piv rau tib cov insurance uas tej customer tshiab them ntawd.''
Yog tias koj tsis tshua muaj peev xwm them tau tej nqe insurance (insurance premium) ces xav kom koj mus txheeb ntau lub tuam txhab muag insurance thiab nug kom koj lub tuam txhab insurance qhia seb muaj txoj xub ke twg pab kom tau them tej nqe insurance tsawg thiab. Credit: ToucanStudios/Getty Images
Txawm li cas los yog yus teeb txheeb txog tej no ces yuav pab kom yus muaj peev xwm sib khom tau zoo dua nrog yus lub tuam txhab.
Mr Bird hais tias yuav ua rau yus muaj fwj chim sib khom ntau tuaj ntxiv thaum yus piv tej nqe insurance premium uas lwm cov tuam txhab lagluam muag ntawd.
Yog koj muaj kev txhawj xeeb thiab xav tau tej xov xwm txog cov home and contents insurance (tej nyiaj yuav tuav pov hwm tsev thiab cuab tam) ces txheeb tau ntawm Financial Rights Legal Centre.
Thiab yog tias koj tsis tshua muaj peev xwm them tau koj tej nuj nqe thiab xav tau kev pab, ces koj yeej muaj peev xwm hu tau rau National Debt Helpline tus xov tooj 1800 007 007 nrog ib tug neeg sab laj tawm tswv yim txog nyiaj txiaj (financial counsellor) tham.
Subscribe los yog caum mloog tej xov xwm kaw ua suab Australia Explained kom paub txog ntau yam xov xwm tseem ceeb thiab tej lus taw qhia kom koj pib tau lub neej tshiab ntawm teb chaws Australia.
Yog tias koj muaj ib co lus nug dab tsi los yog muaj ib co tswv yim dab tsi? Ces xa email rau peb rau ntawm australiaexplained@sbs.com.au
Mloog tau SBS Hmong hnub zwj Teeb (Thursday) 6 pm, hnub zwj Hnub (Sunday) 11 am, koom tau ntxiv ntawm Facebook, Google podcast, Apple postcast, los yog Spotify. Download SBS Adio App thiab mloog YouTube, caum Pod follow los yog lwm cov podcasts platforms (iHeart, Amazon Music & Podcasts).
