Ukukhwabanisa komshwalense wempilo eNingizimu Afrika sekuphenduke imboni ebulalayo, lapho izigebengu zixhaphaza izinhlelo ezibuthakathaka nezikhulu ezikhohlakele ukuze zenze inzuzo ngokuphila—nokufa—kwabantu abangenacala. Lolu chungechunge olunezingxenye eziyisishiyagalombili luveza amaqiniso ashaqisayo abangela lobu bugebengu.
Yimboni ebiza izigidigidi zamarandi. Ibizwa ngomshwalense wempilo kodwa kufanele ngabe ibizwa ngemboni yokufa. Iphumelela ngokusungula izindlela zokubulala abantu.
Imvamisa abantu “babulawa” ephepheni umuntu esaphila, bengazi nokuthi kukhona ofune imali yomngcwabo ngokufa kwabo okungamanga.
Ngokuvamile, abantu baze babulawe ukuze kufakwe isicelo semali.
Abenza lobu bugebengu obubi kangaka baqasha abantu abazoduduza, bantshontshe izidumbu baze badale abantu abangekho ukuze bababulale bese befuna imali yomshwalense.
Uphenyo lwe-Scrolla.Africa seluveze ukuthi kuneqembu elingagcini nje ngokuntshontsha imali kodwa liphinde lenze imikhuba ethusayo – kanye nokubulala.
Phakathi kwabahlomulayo kule mboni ehamba phambili ngemikhonyovu yemigomo yomngcwabo kubalwa amaqola, izinkabi nama-ejenti adayisa imshwalense yomngcwabo.
Lokhu kungenzeka ngoba imboni uqobo lwayo inobudedengu futhi iyavilapha kangangoba amathuba okushushiswa mancane kakhulu futhi abantu bayagqugquzeleka ukuthi babulale abathandiweyo babo.
Izinkampani ezinjengo-Old Mutual, i-Avbob, i-1life insurance, i-Absa Instant Life Cover, i-Capitec Life Cover nezinye eziningi zibhekene namaqola afaka izicelo zomgunyathi.
U-Elton Nkomo uphenya ngomkhonyovu ongaphakathi kumkhakha wemishwalense. Utshele i-Scrolla.Africa ukuthi ukuncintisana okunzima embonini sekuholele ekutheni izinkampani zabangcwabi zithathe izinyathelo ezixegayo ukulandelela amakhasimende. Lokhu sekuvule imifantu embonini izigebengu ezisizakala ngayo.
UNkomo uthe ukubhalisela umshwalense wempilo kulula njengokuthatha umakhalekhukhwini ushayele umeluleki.
“Into efunwa umeluleki yinombolo kamazisi noma usuku lokuzalwa lomuntu ofakwa kumshwalense. Yilokho kuphela,” usho kanje.
Lokhu kusho ukuthi uma umuntu ongamazi elwazi usuku lwakho lokuzalwa, angakwazi ngomzamo omncane nje ukukufaka emshwalenseni wokungcwaba – bese kamuva akubulale futhi afune inkokhelo yokufa kwakho.
UNkomo uthe umuntu uvunyelwa ukuthi athathe omasingcwabisane abaningi ngendlela athanda ngayo inqobo nje uma ekhokha imali efunekayo.
“Izinkampani eziningi azibavimbeli abanikazi bemishwalense ukuthi bafake abantu abaningi ngaphandle kwemibuzo ebuzwayo,” usho kanje.
“Akubhekwa nokuthi umuntu ofakwa emshwalensini uhlobene nomnikazi womshwalense noma cha.”
Uthe umncintiswano phakathi kwezinkampani “embonini yokufa” mkhulu futhi unonya.
“Uma kufona abantu abaningi befuna umshwalense, umeluleki yilapho enza khona ikhomishini phecelezi imali eningi,” esho. “Asikho isikhathi sokuqinisekiswa kwanoma yiluphi uhlobo lolwazi mayelana nokuthi ubani othatha umasingcwabisane, bangaki omasingcwabisane anabo nokuthi bangaki abangathathwa umuntu oyedwa.”
Miningi imifantu evulekile engasetshenziswa yizigebengu.
UNkomo uthe ngolwazi lwakhe lokuphenya ngezinsolo ezingelona iqiniso mayelana nomasingcwabisane, usebone kwanda kwamaqola enza imali kalula.
Ukuqinisekisile ukuthi imboni inemifantu eminingi.
“Izinkampani azibabheki noma balandelelwe abantu abathatha omasingcwabisane,” usho kanje.
UMnuz Mlungisi Mhlangabezi Dlokweni, owayengumphenyi wamaphoyisa aphinde abe ngumnikazi wenkampani iDloks ‘n Dloks Risk Solutions, uthe umbuzo ovame ukubuzwa ngumeluleki ngowokuthi umuntu uhlobene kanjani nomuntu omthathela umasingcwabisane.
“Ngemuva kwalesi sigaba esifushane semibuzo nezimpendulo esivame ukwenzeka ngomakhalekhukhwini, umshwalense ubhaliswa ngalowo muntu ngaphandle kolwazi lwakhe.
“Umuntu oyedwa angathatha umasingcwabisane abaningi ezinkampanini ezahlukene ngendlela afisa ngayo futhi akwazi ukukhokhela inkonkelo yomshwakense yanyanga zonke,” usho kanje.
UDlokweni uthe lamaqembu ahlukene asebenzisana kahle futhi axhumene nabahlinzeki bezinsiza ezahlukene, kuhulumeni nasezimbonini ezizimele, okwenza kube lula kumuntu ukuthi afune izigidi zamarandi ngomgunyathi.
“Abakhwabanisi baxhumene namaphoyisa, izikhulu zasemakhazeni, uMnyango wezaseKhaya, i-South African Social Security Agency (Sassa) kanye nodokotela abangongoti abahlinza abantu a beshonile ukuze kuphume isitifiket sokushona.”
Baze babe nezitolo zabo lapho benza khona izincwadi zomgunyathi njengezitifiketi zokuzalwa, izitifiketi zokushona nezinye ezibasiza ekutheni bathole imali kalula ezinkampanini zomshwalense.
Mhlaka-18 amaphoyisa ase-Gauteng abophe abasolwa abathathu abatholakala nezincwadi zomgunyathi ezihlanganisa izitifiketi zokuzalwa, izitifiketi zokushona, izitifiketi zenyuvesi nekolishi kanye nomazisi bamanga.
Okhulumela amaphoyisa ase-Gauteng uLieutenant Colonel Mavela Masondo uthe abasolwa benza ukukhwabanisa nenkohlakalo bekanye nezikhulu zoMnyango wezaseKhaya ngokukhiqiza amaphepha ahlukene efulethini elise-Marshalltown eGoli ngokungemthetho.
“Benza wonke amaphepha abawadingayo ukuze benze ubugebengu,” kusho uMasondo.
“Amaphoyisa athole abesilisa abahlanu besebenza kuma-laptop, bephrinta amaphepha agcina ehlonzwe ngezitifiketi zokushona, izitifiketi zokuzalwa namanye amaphepha oMnyango wezaseKhaya. Amaphoyisa aphinde athola omazisi abaluhlaza bebhalwe umufi, amaphasiphothi, nomazisi besikhashana.”
I-Scrolla.Africa iphinde yashicilela udaba lweqembu elifanayo eliboshwe e-Hillbrow ngomhlaka-14 kuMbasa 2022.
UDlokweni uthe lonke iqembu lezikhulu zomnyango ezahlukene kanye nabakhwabanisi bahlomula kakhulu kulolu hlelo futhi basebenza ngokubambisana njengezithupha ziya ogwayini.
UDlokweni uthe ukubulawa kwabantu, ukuqoqwa kwezidumbu ezingaziwa nokuqashwa kwezidumbu ngezinye zezindlela ezikhonyayo embonini ezisetshenziswa amaqola ukuze bathole izigidi zamarandi ezinkampanini ezinkulu.
I-Scrolla.Africa sidalula okushaqisayo ngemboni ebulalayo yaseNingizimu Afrika yomshwalense negcwele ukukhwabanisa kulolu chungechunge olunezingxenye eziyisishiyagalombili kanti lugqugquzelwe uphenyo luka-Everson Luhanga alwenza ngephoyisa elabulala abaningi uRosemary Ndlovu. Ngabe waphuthelwa yilolo daba? Hamba ufunde uchungechunge lwethu.
Hlala ulindele ingxenye yesibili yochungechunge lwemboni yokufa oluzoshicilelwa maduze.