Umshuwalense Wabafuduki eCanada

Izinkampani ezahlukahlukene ezizimele nezikahulumeni zinikeza umshuwalense wezifiki eCanada. Kukhona nohla oluthile lwabahlinzeki bomshuwalense kubavakashi besikhashana, abafundi kanye nosomabhizinisi eCanada. Uma uthuthela eCanada, kuzodingeka uqonde imigomo eqondisa umshwalense ezweni. ICanada njengoba iningi leminye iminotho yasentshonalanga iqinile emshuwalense uma iqhathaniswa namanye amazwe amaningi. Isibonelo, uma unemoto eCanada, kulindeleke ukuthi ube nomshuwalense wemoto ongayikhokhela noma ungahlawuliswa.

Ngaphandle kwezinye zezinhlobo zomshuwalense ezigunyaziwe, ukuze kube lula ukuphila, kuyalulekwa ukuthi ubhalisele izinhlelo zomshuwalense eziyisisekelo. Iningi lalemishwalense selivele linikelwe nguhulumeni futhi lixhaswe intela wena nezinye izakhamizi zaseCanada ezikhokhayo. Ungadinga futhi ukubhalisela eminye imishwalense yangasese ukubhekelela izidingo ezithile. Ukwenza lokho, kunezinkampani eziningi zomshuwalense eCanada ezimisele ukuba nabokufika (kubandakanya abafundi) nempahla yabo baqinisekiswe nabo.

Lokhu okuqukethwe kuzokusiza uqonde izinhlobo ezahlukahlukene zomshuwalense eCanada, ezikumbozayo, kanye nenqubo ekwenza ufanelekele noma iyiphi yazo.

Izinhlobo Zomshuwalense Wabafuduki eCanada

1. Umshuwalense Womuntu Siqu

Umshuwalense womuntu siqu eCanada uwela ngaphansi kwezigaba ezi-6 ezihlukile futhi abokufika noma izakhamizi zesikhashana (izivakashi, abafundi kanye nabasebenzi) bangathatha isinqumo sokuziqinisekisa noma yibaphi noma bonke.

Umshuwalense Wokuphila: Umshuwalense wempilo nakanjani ngeke ubabuyise abangasekho kepha uzokwenza ukuthi lowo omkhombisile njengomhlomuli wakho athole inkokhelo yomshwalense enqunyiwe ngemuva kokushona kwakho. Leyo nkokhelo ayikhokhiswa intela futhi ikhokhwa ngasikhathi sinye njengenani lesinqamu.

Umshwalense Wokukhubazeka: Ngomshwalense wokukhubazeka waseCanada, uzothola inkokhelo uma ngenxa yokugula noma ukulimala, ungakwazi ukusebenza okwesikhashana noma unomphela. Inkokhelo ifuna ukumboza imali engenayo elahlekile ngalezo zikhathi lapho ungakwazi ukusebenza. Umshwalense wokukhubazeka uvame ukukhokhwa njalo ngenyanga futhi uzobhekelela izimo ezinjengokulimala okukhulu, ukulahlekelwa yingxenye yomzimba, nokuhlaselwa yisifo senhliziyo.

Umshuwalense Wokugula Okubalulekile: Uma kutholakala ukuthi unesimo esibucayi sezokwelapha njengomdlavuza noma yisiphi esinye isifo esibi, umshwalense wokugula obucayi uzokwenza ube ngumzuzi wemali ethile okufanele ikhokhwe ngasikhathi sinye. Ukuze lo mshuwalense usebenze, kufanele utholakale ngemuva kokuthi ufake isicelo sepholisi; okungukuthi, ayisebenzeli izimo zezokwelapha ezivele zikhona ngaphandle kwamacala angavamile. Uzothola inkokhelo kuphela ngemuva kokuthi usinde esimweni sezempilo ezinsukwini eziyi-15 kuya kwezingama-30 kusukela esikhathini sokuxilongwa.

Umshuwalense Wokunakekelwa Isikhathi Eside: Lolu hlobo lomshuwalense luzokunikeza imali ukuze ukwazi ukukhokhela ukunakekelwa kwesikhathi eside komphakathi noma kwangasese ozodinga mhlawumbe ngenxa yokugula noma ukuba semdala. Isibonelo sokunakekelwa kwesikhathi eside lo mshuwalense obhalisayo ukubhalisa ekhaya lasebekhulile labantu abaphazamisekile engqondweni lapho bebhalisa ekhaya labantu abadala.

Umshwalanse we mpilo: Lapho usungumhlali unomphela, uzokwazi ukuthola umshuwalense wezempilo womphakathi eCanada. Umshwalense wezempilo womphakathi eCanada awuhlangene futhi lokho okuhlanganayo kuyahlukahluka kuye ngezifundazwe. Kodwa-ke, kufanele ulindele ukuthi uzokwazi ukuthola ukubonisana kwezokwelapha, ukuhlolwa kokuxilongwa, nokulaliswa esibhedlela ngaphandle kwezindleko uma ufake isicelo somshwalense.

Lezi zinsizakalo azimbozwa uhlelo lwe-Canada Public Insurance Insurance:

  • Imithi yokwelashwa
  • Ukuhlolwa kwamazinyo nokwamehlo
  • Imisebenzi ye-Ambulensi
  • Ukuvakashela abeluleki, izazi zokusebenza kwengqondo, noma i-physiotherapists
  • Ukuhlinzwa kwezimonyo

Ngemuva kokufaka isicelo somshuwalense wezempilo, kuzodingeka ulinde kuze kufike ezinyangeni ezintathu ngaphambi kokuthola ikhadi lakho lomshuwalense wezempilo bese uqala ukujabulela izinzuzo ezigcwele. Ngenkathi usesikhathini sokulinda, kungakuhle ukuthi uthole umshwalense wezempilo wangasese ukuze uzinakekele wena namalungu omndeni wakho (lokhu kubaluleke kakhulu abasanda kufika futhi abaphathi be-visa abakhulu). Umshuwalense wezempilo wangasese wesikhashana ubaluleke kakhulu uma unezingane ezincane noma abantu asebekhulile abangaphansi kwakho ngoba bathambekele kalula ezinkingeni zezempilo. Uma kungaba nesimo esiphuthumayo ngesikhathi sakho sokulinda, isifundazwe sakho noma insimu yakho izokwazi ukubhekelela lokho ngezinsizakalo zabo zezokwelapha eziphuthumayo, noma ngabe awunawo umshuwalense wezempilo wangasese.

Kwesinye isikhathi, indawo osebenzela kuyo ingakunikeza uhlobo oluthile lokutholakala kwezempilo. Funda ngokucophelela ngohlelo lwabo ukuze wazi ukuthi ungazuza kangakanani kulungiselelo olunjalo bese uhlola ukuthi amalungu omndeni wakho nawo azoba ngabazuzi yini.

2. Umshuwalense Wezempilo Ozimele

Lokhu kubizwa nangokuthi umshwalense onwetshiwe noma owengeziwe. Ngokubhalisela umshwalense wezempilo wangasese, uzokwazi ukuthola zonke izinsizakalo ezingakhokhelwa ngumshuwalense womphakathi esifundazweni sakho noma endaweni yakho. Uma uzodinga ukunakekelwa kwezempilo ngenkathi ukude nesifundazwe sakho, umshuwalense wezempilo wangasese nawo uzokubonelela ngakho konke ukunakekelwa ozokuthola kuleso sifundazwe.

Njengoba ungeke ukwazi ukufinyelela kumshuwalense wezempilo womphakathi ngokushesha lapho ufika eCanada, kuzoba ngcono ukuthi ubhalisele umshwalense wezempilo wangasese owenzelwe abafikayo nezivakashi eCanada. Ungaqhubeka uchazele inkampani oyikhethile yomshuwalense ukuthi ufisa uhlelo lomshuwalense kubantu abangenayo i-OHIP noma ikhadi lezempilo lomshuwalense okwamanje.

Iningi lezinhlelo zomshuwalense wezempilo ezizimele azihlanganisi konke okungenzeka izinsiza zezokwelapha uzobe udinga. Kodwa-ke, ungadabula uhlelo ngalunye bese ukhetha okukodwa okuzohlangabezana nezidingo zakho ezingaba ngcono kakhulu.

3. Umshuwalense Wezimoto kwabokufika eCanada

Noma ngabe owaseCanada noma owokufika, ukungabi nomshwalense wemoto uma unemoto kubhekwa njengecala eCanada futhi ungahlawuliswa uma utholakala. Zonke izifundazwe nezindawo zinikela ngemishwalense yemoto ehlanganisa izikweletu nokulimala komzimba. Ngokuya ngokuthi umshwalense wesifundazwe sakho noma insimu yakho uhlanganisa kangakanani, kungadingeka ukuthi uthole eminye imishwalense yemoto yangasese.

  • Umshuwalense Wezimoto Zomphakathi: Umshwalense wemoto ohlinzekwa yisifundazwe sakho uzohlanganisa izikweletu ezifana nalezi:
    • Izindleko zezempilo zabantu abangathinteka engozini evela emotweni yakho.
    • Ukulimala kwempahla

Umshwalense uphinde ubhekele izindleko zokwelashwa ezidingekayo ukuze uzinakekele uma kwenzeka ulimala futhi unikeze isinxephezelo ngokulahlekelwa kwakho imali okwesikhashana noma unomphela ngenkathi welashwa.

Umshuwalense wezimoto zomphakathi waseCanada awuhlanganisi umonakalo emotweni yakho ngesikhathi sengozi.

  • Umshuwalense Wemoto Oyimfihlo noma Owengeziwe: Ungabhalisela ezinye izinhlelo zomshuwalense njenge-Comprehensive Insurance noma i-Collision Insurance. Umshuwalense wokushayisana uhlinzekela ukulungiswa noma ukushintshwa kwemoto yakho uma ushaye into, enye imoto ebandakanya ngenkathi ushayela. Umshuwalense ophelele uyakufihla uma kwenzeka kwebiwa imoto, ukucekelwa phansi kwempahla, kanye nengozi yomlilo ethinta imoto yakho. Umshwalense ophelele awukuhlanganisi ukwebiwa kwezakhiwo onazo emotweni yakho noma umonakalo owenziwe kulezo zakhiwo ngesikhathi sengozi.

Izici ezingakhulisa i-Car Insurance Premium yakho

Ayikho imali ekhokhelwa umshwalense wezimoto eCanada, kunezinto ezahlukahlukene izinkampani zomshuwalense ezibheka kuzo ukuthola ukuthi imali oyikhokhayo izoba malini. Kubandakanya:

  • Irekhodi Lokushayela: Uma uke wagwetshwa noma wake wahileleka engozini ngaphambilini. Iphrimiyamu yakho ingaba phezulu.
  • Uhlobo LwezimotoNjengoba izindleko zokulungiswa nokulungiswa kwezimoto ezahlukahlukene ziyahlukahluka, uzokhokhiswa ngokuya ngohlobo lwemoto yakho.
  • Imvamisa Yokushayela: Uma indawo osebenzela kuyo iseduze nalapho uhlala khona, ungakhokhiswa imali engaphansi kunaleyo uma unamamayela okuhamba ngemoto ukuya emsebenzini. Iphrimiyamu yakho nayo izoncika ekutheni unezizathu ezingakanani zokusebenzisa imoto yakho ngesonto. Lokhu kungenxa yokuthi isikhathi osichitha ushayela, yilapho usengozini yokuthola izingozi futhi imoto yakho idinga ukunakekelwa ngokwengeziwe.

4. Umshuwalense Wokuqashwa (i-EI)

ICanada Employment Insurance inikeza isembozo sosizo lwezezimali kubahlali baseCanada kanye nezakhamizi eziphelelwe imisebenzi ngenxa yanoma ikuphi kokulandelayo:

  • Ukudilizwa nokudilizwa kwabasebenzi
  • Ukushoda kwabasebenzi
  • Ukuqashwa kwesizini

Ungafaka isicelo se-EI ngokushesha ngemuva kokuthola umsebenzi eCanada. Lokhu kungenziwa ku-inthanethi noma ngokuvakashela isikhungo esiseduze kakhulu se-Service Canada kuwe. Uma ungenayo i-EI ngaphambi kokuphelelwa umsebenzi, usengafaka isicelo kungakapheli amasonto amane ungasebenzi noma ulahlekelwe yizo zonke izinzuzo zomshuwalense. Ukuze ube ngumzuzi wanoma yisiphi isinxephezelo esivela kwi-Employment Insurance, kufanele ube:

  • Ukuphatha isikhundla kungumsebenzi ovumelekile waseCanada
  • Ulahlekelwe ngumsebenzi futhi ungakhokhelwa ukwelulwa kwezinsuku eziyi-7
  • Ulahlekelwe ngumsebenzi wakho ngaphandle kwephutha
  • Ubukade ubheke umsebenzi omusha ngenkathi ufaka isicelo sesimangalo se-EI
  • Ukulungele ukuqhubeka nomsebenzi ngokushesha nje lapho uthola umsebenzi omusha

Awukufanelekeli ukuthola i-EI uma:

  • Baxoshwa emsebenzini wakho wangaphambili
  • Ngakwesobunxele sentando yakho
  • Babambe iqhaza ezingxabanweni zabasebenzi ezifana neziteleka
  • Zisejele

Uma ufanelekela ukuthola Umshuwalense Wokuqashwa waseCanada, uzokhokhelwa ama-55% wemali yakho etholwayo yamasonto onke (ngaphambi kokuphelelwa umsebenzi) ngesonto. Ungathola kuze kufike ku-C $ 543 ngesonto kanye nenani eliphelele le-C $ 51,300 ngonyaka. Ungaqhubeka nokuthola izinkokhelo zomshuwalense wokuqashwa kuze kube amasonto angama-45 ngokuya ngesilinganiso sokungasebenzi endaweni yakini esizonquma ukuthi uzolinda isikhathi esingakanani ngaphambi kokuthola omunye umsebenzi. Yonke imali oyithola ku-EI ingukuthi intela futhi lokhu kuzodonswa ngokuzenzekelayo kulokho okhokhelwa khona masonto onke.

I-5. Ukuhamba Umshwalense

Uma uthola umshuwalense wokuhamba, uzokwazi ukumboza noma yikuphi okuphuthumayo okwenzeka ngenkathi usohambweni (ikakhulukazi eCanada). Isimo esiphuthumayo esinjalo sifaka:

  • Izimo eziphuthumayo zezokwelapha ohambweni lwakho noma ngenkathi usendaweni oya kuyo. Umshuwalense wakho wokuhamba ungakhokhela izindleko ezibandakanyeka kuze kufike ku- $ 10,000,000.
  • Izingozi zezindiza. Lokhu kungambozwa kuze kufike ku- $ 25,000
  • Uhambo olukhanseliwe noma oluphazamisekile. Ngalo lonke uhambo oluqinisekisiwe, uthola isembozo esifika ku- $ 6,000
  • Ukulahleka kwemithwalo noma ukulimala. Lokhu kungambozwa kuze kufike ku- $ 3,000
  • Ukubambezeleka kwemithwalo. Lokhu kungambozwa kuze kufike ku- $ 1,500
  • Iziphazamiso ezibangelwa ubuphekula lapho uya khona ungambozwa kuze kufike ku- $ 35,000,000

Ungafaka isicelo somshuwalense wokuhamba waseCanada esifundazweni sakho noma endaweni yakho. Uzokwazi ukuthola isicelo uma usuthole ikhadi lakho lomshuwalense wezempilo kahulumeni. Uma nje uvakashele eCanada noma ungumfundi, uhambo lwakho noma ukusebenza nokutadisha i-visa kuzokukwenza ufanelekele uhla lwemishwalense yokuhamba engabizi. Imishwalense enjalo yokuhamba iyaguquguquka futhi ikuvumela ukuthi ukhethe ezinhlobonhlobo zezimo eziphuthumayo zohambo ofuna ukumbozwa zona ngenkathi usezweni.

Inombolo Yomshwalense Wenhlalo Yabokufika

Inombolo Yomshuwalense Wezenhlalakahle (i-SIN) iyinombolo eyingqayizivele enamadijithi ayi-9 okumele wonke umuntu amukelwe njengomhlali noma isakhamuzi saseCanada. Uzodinga ukuthi i-SIN ikwazi ukuthola umsebenzi, ikhokhe intela, isebenzise izakhiwo zikahulumeni, futhi ithole umshuwalense. Kumahhala ngokuphelele ukufaka isicelo seNombolo Yomshwalense Wenhlalo. Ungakwenza lokhu ku-inthanethi noma ngokuthumela i-imeyili ku-Service Canada ngemuva kwalokho uzothola i-imeyili yokuphendula kungakapheli izinsuku ezingama-20 ufake isicelo.

Uma ungakhohlwa ISONO sakho esiyingqayizivele, uzosithola kalula kunoma iyiphi yale mibhalo:

  • Noma yiziphi iziliphu zakho zentela (T4s)
  • Imbuyiselo yakho yentela
  • Irekhodi lakho lomsebenzi

Umqashi wakho uyakwazi ukufinyelela kalula ISONO sakho ukuze ukwazi ukusicela kuye. Nge-SIN yakho, uzokwazi ukufaka isicelo sanoma yiluphi uhlobo lomshwalense, noma ngabe owomphakathi noma owangasese.

Ukuthola inkampani yomshwalense eCanada kulula njengokuthayipha amagama ambalwa afanele kwinjini yakho yokusesha. Ungahle uthande ukusebenzisa izinsizakalo zenkampani yomshuwalense ngqo noma usebenzise abathengisi bomshuwalense. Noma ngabe iyiphi inketho oyithandayo, qiniseka ukuthi uhlola imigomo nemibandela esebenza kuhlelo lomshwalense olikhethayo. Uma unemibuzo mayelana nanoma yiziphi izimo, qiniseka ukuthi uthola ukucaciselwa okwanele okuvela enkampanini ngaphambi kokuba ubhalisele iphakethe labo lomshuwalense.