Ако сте самонаето лице или обмисляте този вариант за докарване на доходи, е важно да знаете с какви опции за застраховка разполагате. Поради факта, че сте самонаето лице, в случай че се разболеете, вие нямате шеф, на когото да разчитате и който да ви оправи документите за получаване на обезщетение за болнични. Поради това, че нямате кой да ви покрие, ако не можете да работите, трябва сами да се погрижите за себе си.
Лична застраховка
Има няколко вида лична застраховка, като всеки вид е с различно покритие, така че сами трябва да решите каква лична застраховка ще си направите.
Защита на доходите – това е дългосрочна застраховка, която обикновено е направена така, че да ви окаже подкрепа в случай, че не можете да работите поради болест или нараняване. Тя може да покрие част от вашите месечни доходи след такси.
Тя има за цел да замени изцяло или частично предишния ви доход след облагане с данъци. Предназначена е да покрива месечни плащания до нормалната ви пенсионна възраст, ако загубите работата си поради болест или нараняване.
Застраховка „Критично заболяване“
Застраховка „Критично заболяване“ е дългосрочно застраховане, което обикновено се изплаща еднократно без данък, в случай, че имате поставена диагноза по една или повече от болестите, които са описани в полицата. Обикновено са включени и болести като някои видове рак, инфаркт и инсулт.
Застраховката е проектирана да изплати дългове или ипотека, или да ви подпомогне за всички изменения, необходими за вашия дом – например, така че можете да използвате инвалидна количка.
Само избрани условия са покрити от тази застраховка. Обикновени проблеми, които не ви позволяват да работите за известно време, например болки в гърба или стрес, не са включени.
Застраховка живот
Тази застраховка ще изплати сума еднократно или на вноски на вашите близки в случай на фатален край. Може да сте имали такава застраховка в случай, че сте работили като служител, това е познато като „death-in-service benefit“. С приключване на имплоймънта, застраховката е приключена.
Тази застраховка е подходяща в случай, че имате деца или други хора, които са зависими от вас финансово. Не можете да разчитате на държавата да се погрижи за близките ви – сумата, която се отпуска при такива случаи е много по-малка от колкото повечето хора очакват.
Лична медицинска застраховка
Тази застраховка може да бъде като добавка на това, което е налично от Националната здравна служба. Някои самонаети лица се отказват от здравната си застраховка, защото искат да се предпазят от това да не бъдат на работа и да търпят загуби, ако чакат за болнично обслужване. Ако сте работили като служител, вашият работодател би трябвало да ви е предложил такъв вид застраховка, но в случай, че сте самонает, вие сами трябва да вземате решение.
Ако можете да си позволите да плащате за допълнителна услуга, това може да ви е от полза, тъй като вие можете да си изберете нивата на защита и как и кога да я получите.
Ако някога сте ползвали даден вид застраховка, може да имате възможност отново да се включите като застраховано лице. Проверете при доставчика на застрахователната услуга дали това е възможно. Има вероятност вноските да ви излязат по-скъпо отколкото ако сте били застраховани като част от група, например – ако сте били служител в дадена фирма.
Ако можете, направете сравнение на цените на застраховките, които се предлагат на пазара и какво покритие дават.
Бизнес от къщи
Ако поддържате бизнеса си от къщи, не би трябвало да приемате, че вашата лична застраховка на жилището ще ви даде покритие, дори и при положение, че 9 от 10 жилищни застраховки покриват апаратурата в жилището ви.
Обикновено покритието зависи от употребата на жилището, което се използва за цели на бизнеса, но няма да имате покритие в случай, че имате някакви посетители, например клиенти.
Ако установите бизнеса си в къщи, най-доброто, което можете да направите е да се свържете с вашия настоящ застраховател и да се консултирате с него. Може да имате право на допълнителна услуга към вашата застраховка. Ако не уведомите застрахователя си за промени, но по-късно имате нужда да ползвате застраховката си, може да откриете, че тя е невалидна при тези новосъздали се обстоятелства.
В случай, че обмисляте да се застраховате, специалистите от chikov.com могат да ви дадат правилен застрахователен съвет и да ви помогнат в избора на застраховка. Пишете ни на [email protected] или се обадете на 077 8606 7076.
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