Lubhalwe ngu-Anita Dangazele
Cishe u-75% wemindeni ikhokhela ikhava yomngcwabo, kodwa abantu abaningi balahlekelwa imali ngokuthenga amapholisi amaningi ezinkampanini ezahlukene.
Umphathi we-Metropolitan uJay Malatji uxwayisa ngokuthi izinkokhelo ezengeziwe zikhula ngokushesha futhi imindeni ilahlekelwa ukuvikeleka lapho ama-premiums ebiza kakhulu.
Imindeni yaseNingizimu Afrika ilahlekelwa izinkulungwane zamarandi ngokuthenga amakhava okungcwaba amaningi ngesikhathi esisodwa.
Abantu abaningi bathatha amakhava amane ahlukene ukuze bashiyele abathandekayo babo imali eyengeziwe. Kodwa lolu hlelo luvame ukungahambi kahle.
Umbiko weBureau of Market Research ukhombisa ukuthi u-75% wemizi yaseNingizimu Afrika ikhokhela amakhava okungcwaba. Imizi engu-25% kuphela enomshuwalense wokuphila.
UJay Malatji, oyimenenja kaMetropolitan eGauteng, Limpopo naseNorth West, uxwayisa ngokuthi abantu basebenzisa ikhava yomngcwabo ngendlela engafanele. Uthi bakuthatha njenge-akhawunti yokonga imali.
“Manje akuseyona nje eyokukhokhela izindleko zokungcwaba,” kusho uMalatji.
Uxwayisa ngokuthi yonke i-funeral policy iza nezimali zayo. Eminyakeni enguA10 noma engu-20, imindeni ilahlekelwa izinkulungwane zamarandi ikhokha lezi zindleko ezengeziwe.
Amakhava ahlukene anezikhathi ezihlukene zokulinda.
UMalatji uthi imindeni ivamise ukulindela ukukhokhelwa ngokushesha uma umuntu eshonile, kodwa imali ayiphumi ngenxa yalezi zikhathi zokulinda.
Izinkokhelo nazo ziyakhuphuka njengoba abantu bekhula. Lapho imali iba nzima, imindeni ayikwazi ukukhokhela amapholisi amathathu noma amane ngesikhathi esisodwa.
Uma imali ishoda abantu bayaphoqeleka ukuthi babeke okunye phambili, akusiwo wonke amakhava asindayo,” kusho uMalatji.
Uma umshwalense ubhuntsha, umndeni ulahlekelwa yiyo yonke imali osuvele uyikhokhile kuwo.
UMalatji uthi imindeni kumele ibheke i-life cover. Izinqubomgomo zomngcwabo zihlanganisa kuphela izindleko zesikhashana futhi zikhokha imali efinyelela ku-R100,000 inkampani ngayinye.
Ikhava yokuphila ivikela umndeni isikhathi eside. Ithatha indawo yeholo lomuntu bese iqeda isikweletu sakhe uma eseshonile.
Izinkampani eziningi manje zinikeza ikhava yempilo yezinga lokungena engaceli ukuhlolwa kwegazi noma ukuhlolwa okuphelele kwezokwelapha.
Esithombeni esingenhla: Umuntu obala imali.
Umthombo wesithombe: Pexels