Izinhlelo Ezi-5 Ezinhle Kakhulu Zomngcwabo Zabahola Imali Yempesheni Yakwa-SASSA Ngo-2025: Ukuhlaziya Izindleko Nezinzuzo

Ukuthola Imali Yesibonelelo Sabadala yakwa-SASSA kuyisihlenga sempilo, kodwa ngokuvamile kushiya indawo encane yezindleko ezingalindelekile. Okukhulu ukushaqeka kwezezimali umndeni ongabhekana nakho yizindleko zomngcwabo, ezingadlula kalula u-R20,000 ngo-2025. Inqubomgomo yomngcwabo ezinikele akuyona nje indleko; iyisipho sokugcina sothando emndenini wakho, esiwuvikela ezikweletini nasekucindezelekeni ngesikhathi sokulila. Nakuba amanye ama-akhawunti asebhange enikeza ukukhokha okuyisisekelo, inqubomgomo ezimele ngokuvamile inikeza inani elingcono nezinzuzo eziphelele ezihambisana nezidingo zakho. Lo mhlahlandlela uzokusiza ukuthi uhlole izinketho, uqinisekise ukuthi imali yakho yesibonelelo esetshenzwe kanzima isetshenziswa ngokuhlakanipha ukuze kuqinisekiswe ukvalelisa okunesithunzi ngaphandle kokubeka umthwalo kubathandekayo bakho. Sizohlola izinto ezibalulekile: ukukwazi ukukhokhela, ukwethembeka, nokucaca.

Ukuqhathaniswa Kwemikhiqizo Yekhava Yomngcwabo Yango-2025 Yabahola Imali Yempesheni Yakwa-SASSA

Ukukhetha inqubomgomo kungadida. Ukuze kube lula ukwenza isinqumo sakho, siqhathanise abahlinzeki abahlanu abahamba phambili baseNingizimu Afrika ngokuya ngalokho okubaluleke kakhulu kumuntu oholayo onemali engenayo engaguquki. Ithebula elingezansi linikeza inani elilinganiselwe lenkokhelo yanyanga zonke yomuntu oneminyaka engu-66 ofuna ikhava ka-R15,000. Qaphela: Lezi zintengo ziyizilinganiso zikaNovemba 2025 futhi zingahluka ngokuya ngeminyaka yakho ethile, impilo, nezinzuzo ezikhethiwe.

Ukufa ngenxa yengozi ngokuvamile kukhokhelwa ngokushesha kusukela ekukhokheni kokuqala kwemali yomshuwalense kubo bonke abahlinzeki. Kubalulekile ukuhlola Izinsuku Zokukhokha kwa-SASSA ukuze uqinisekise ukuthi izinkokhelo zakho zikhokhwa ngesikhathi ukuze inqubomgomo yakho ihlale isebenza.

Ukubuyekezwa Okunemininingwane Kwabahlinzeki: Okuhle Nokubi

Asihlole ngokujulile ukuthi umhlinzeki ngamunye unikezani kubamukeli bemali yesibonelelo yakwa-SASSA.

1. I-Avbob Funeral Society

I-Avbob ingenye yamagama amadala nathembeke kakhulu embonini. Isebenza njengenhlangano yozakwethu, okusho ukuthi abanikazi beziqinisekiso bangazuza enzozweni yenkampani.

Okuhle:

• Izinzuzo Zamalungu: Abanikazi beziqinisekiso bangathola izinzuzo zomngcwabo zamahhala (njengesaphulelo ebhokisini nesevisi yomngcwabo) uma i-Avbob ihlela umngcwabo.
• Ukwabelana Ngenzuzo: Ungase ube nelungelo lamabhonasi akhethekile kanye nesabelo senzuzo, esingengezwa enanini lakho lekhava.
• Idumela: Uhlobo oluqinile, oluthembekile olukhona ezweni lonke.

Okubi:

• Izinkokhelo: Zingaba phezulu kancane kunezabanye abancintisana nabo, kodwa izinzuzo ezengeziwe ngokuvamile zikufanele ukuyekethisa.
• Ubunzima Bezinzuzo: Ukuqonda ububanzi obugcwele bezinzuzo zamalungu kungaba yinkimbinkimbi ngezinye izikhathi.

2. I-Doves Funerals

Njengoba ineminyaka engaphezu kwekhulu yesipiliyoni, i-Doves ingomunye umdondoshiya embonini yomngcwabo yaseNingizimu Afrika, eyaziwa ngenethiwekhi yayo ebanzi nezinsizakalo eziphelele.

Okuhle:

• Iminyaka Ephezulu Yokungena: Izinhlelo zabo ngokuvamile zivumela ukungena kwabantu abaneminyaka engu-85, okuyinto enhle kubahola imali yempesheni asebekhulile.
• Ukubuyiselwa Kwezidumbu Kufakiwe: Eziningi zezinhlelo zabo zifaka phakathi ukuthuthwa komufi ngaphakathi kwemingcele yaseNingizimu Afrika, inzuzo ebalulekile futhi ebiza kakhulu.
• Isevisi Eyodwa Ephindaphindiwe: Njengesikhungo somngcwabo, bangakwazi ukuphatha yonke inqubo ngaphandle kokuphazamiseka.

Okubi:

• Ukuhluka Kwezinhlelo: Banezinhlelo eziningi ezahlukene, ezingadida ukuziqhathanisa ngaphandle kosizo.

3. I-Hollard Insurance

IHollard ingumshwalense omkhulu onikeza imikhiqizo yomngcwabo eguquguqukayo futhi evame ukuba yisungulo, ekuvumela ukuthi uhlele uhlelo oluhambisana nesakhiwo somndeni wakho.

Okuhle:

• Ukuguquguquka: Yaziwa ngezinhlelo ezingahlanganisa inani elikhulu lamalungu omndeni omkhulu, hhayi nje umngane wakho nomndeni wakho.
• Ubambiswano: Izinqubomgomo zeHollard zitholakala kubathengisi abahlukahlukene (njenge-PEP) namabhange, okwenza zitholakale kalula.
• Izinkokhelo Ezincintisanayo: Ngokuvamile inikeza amanani ekhava yomngcwabo ancintisanayo kakhulu.

Okubi:

• Akuyona Umhlinzeki Womngcwabo: IHollard ingumshwalense. Isimangalo siwukukhokha imali, futhi usazodinga ukuhlela umhlinzeki wesevisi yomngcwabo wena.

4. I-Clientèle Life

I-Clientèle idume ngokukhangisa kwayo okuqondile kanye nezinzuzo ezengeziwe eziheha abaningi baseNingizimu Afrika abafuna okungaphezu kokukhokha imali nje.

Okuhle:

• Izinzuzo Ezengeziwe: Izinhlelo ngokuvamile zifaka phakathi izinzuzo zegrosa, isikhathi sokukhuluma, nezambulo ezinikeza usizo olubonakalayo emndenini.
• Ukukhokha Okusheshayo: Bakhangisa kakhulu ngesithembiso sokukhokha isimangalo esingaphakathi kwamahora angu-24 (ngokuhambisana nayo yonke imibhalo efanele efakiwe).
• Izinyathelo Ezicacile: Izinqubomgomo ngokuvamela zihlelwe ngezinyathelo eziqondakala kalula.

Okubi:

• Izinkokhelo Eziphezulu: Izindleko zezinzuzo ezengeziwe zakhelwe enkinkhefweni, okungenza kube enye yezinketho ezibiza kakhulu ngenani elinikeziwe lekhava.

5. I-1Life Insurance

I-1Life isebenza ngemodeli eqondile kumthengi, ngokuvamile ikhipha izimali zabathengisi ukuze inikeze izinkokhelo ezingabizi kakhulu. Lokhu kubenza babe ngumhlinzeki oqinile kubahola imali yempesheni abaqaphela isabelomali.

Okuhle:

• Ukukwazi Ukukhokhela: Ngokuvamile phakathi kwezinketho ezishibhe kakhulu zekhava yomngcwabo emsulwa, engenazo izinhlobonhlobo.
• Inqubo Elula: Inqubo yokufaka isicelo ivame ukushesha futhi iqonde, ngokuvamile yenziwa ngocingo noma ku-inthanethi.
• Ukucaca: Imodeli yabo yakhelwe ekululeni nasezimweni ezicacile.

Okubi:

• Iminyaka Ephansi Yokungena: Ezinye zezinhlelo zabo ezithengekayo zingaba neminyaka ephezulu yokungena engu-65, ngakho abahola imali yempesheni kufanele bahlole ukufaneleka ngokucophelela.
• Izinzuzo Ezengeziwe Ezimbalwa: Ukugxila kusekukhokheni imali eyisisekelo kunokugxila ezinzuzweni ezengeziwe.

Isexwayiso: Izindleko Ezifihliwe Nezingozi Zesivumelwano Okufanele Uzibalekele

Ukwaziswa kuyisivikelo sakho esihamba phambili. Nakhu okufanele ukubheke ngaphambi kokusayina noma imaphi amadokumenti esivumelwano:

• Ukukhuphuka Kwemali Yomshuwalense: Buza ukuthi imali yakho yomshuwalense ihleliwe impilo yakho yonke noma izokhuphuka minyaka yonke. Ukukhuphuka okungalindelekile kungenza inqubomgomo ingabizi ngemali yesibonelelo esinqunyiwe.
• Izikhathi Zokulinda: Zonke izinqubomgomo zinesikhathi sokulinda sokufa kwemvelo (ngokuvamile izinyanga eziyisi-6). Yiba sobala ngalokhu. Ukufa ngenxa yengozi kukhokhelwa ngokushesha. Uma umhlinzeki ethembisa ikhava yomngcwabo engenaso isikhathi sokulinda sokufa kwemvelo, qaphela kakhulu.
• Okungafakiwe: Funda imininingwane emincane. Izinqubomgomo eziningi ngeke zikhokhele ukuzibulala phakathi kweminyaka yokuqala engu-1-2 noma ukufa okuvela ezenzweni zobugebengu.
• Iminyaka Yokuyeka Ukukhokha: Ingabe inqubomgomo ikuvikela impilo yakho yonke, noma iyayeka ngeminyaka ethile (isb., 85)? Qinisekisa ukuthi unekhava yempilo yonke.
• Inqubo Yesimangalo: Imiphi imibhalo ezodingeka emndenini wakho? Inqubo yesimangalo eyinkimbinkimbi ingadala ukubambezeleka okukhulu nokucindezeleka. Ngaphambi kokuzibophezela, qinisekisa ukuthi imininingwane yakho yakwa-SASSA isesikhathini. Ungasebenzisa ithuluzi le-SRD Status Check ukuze uqinisekise imininingwane yakho ohlelweni olukhulu.

Isiphetho: Ukwenza Ukukhetha Okufanele Ngefakazi Lakho

Ukukhetha inqubomgomo yomngcwabo yisinqumo esibalulekile. Kumuntu oholayo wakwa-SASSA ngo-2025, inketho engcono kakhulu ifaka phakathi ukukwazi ukukhokhela kanye nokwethembeka. Ngenani eliphelele nezinzuzo zamalungu, i-Avbob ingumhlinzeki oqinile. Ukuze uthole ukuguquguquka okuphezulu kanye nezinkokhelo ezingase zehle, i-Hollard ne-1Life yizinketho ezinhle kakhulu. Isinqumo sakho sokugcina kufanele size ngemuva kokuthola izingcaphuno kubahlinzeki okungenani ababili noma abathathu. Funda imigomo, buza imibuzo, futhi ukhethe uhlelo olukunikeza wena nomndeni wakho ukuphepha okukhulu nokuthula kwengqondo. Lesi sinyathelo esisebenzayo siyindlela enamandla yokulawula isabelomali sakho semali yesibonelelo sakwa-SASSA nokuvikela ikusasa lomndeni wakho.

FAQs

Ngingasebenzisa ikhadi lami lika-SASSA ukuze ngikhokhe imali yomshuwalense wami womngcwabo?

Yebo, ngempela. Ungasetha i-debit order yanyanga zonke ngokuqondile kwi-akhawunti yasebhange exhunywe ekhadini lakho lika-SASSA. Le yindlela ethembeke kakhulu yokuqinisekisa ukuthi izinkokhelo zakho zihlala zikhokhwa ngesikhathi.

Yimalini inani elijwayelekile lenqubomgomo yomngcwabo kumuntu oholayo ngo-2025?

Kumuntu oholayo oneminyaka engaphezu kwengu-65, inqubomgomo eyisisekelo enekhava ka-R15,000 kuya ku-R20,000 ngokuvamile izobiza phakathi kuka-R100 no-R180 ngenyanga ngo-2025, kuye ngomhlinzeki kanye nezinzuzo ezengeziwe.

Kwenzekani uma ngingaphuthelwa ukukhokha imali yomshuwalense?

Iningi labashuwalensi linikeza isikhathi somusa, ngokuvamile izinsuku eziyi-15 kuya kwezi-30, ukuze ukhokhe. Uma uhluleka ukukhokha ngalesi sikhathi, inqubomgomo yakho izophela, futhi uzolahlekelwa ikhava yakho. Kubalulekile ukugcina izinkokhelo zikhokhwa.

Ingabe ikhona inqubomgomo yomngcwabo engenaso isikhathi sokulinda sokufa kwemvelo?

Cha, kuvamile kakhulu futhi akunakwenzeka ukuthola inqubomgomo ethembekile engenaso isikhathi sokulinda sokufa kwemvelo. Ukuzijwayeza okujwayelekile yisikhathi sokulinda sezinyanga eziyisi-6. Izinqubomgomo ezikhangisa ’ngaphandle kwesikhathi sokulinda’ ngokuvamile zinezinto ezinkulu ezingafakiwe ezifihliwe noma azithembekile. Ukufa ngenxa yengozi, nokho, kukhokhelwa kusukela ngosuku lokuqala.

Ngingathola imali mboleko enqombomgomweni yami yomngcwabo?

Cha, inqubomgomo yomngcwabo iwumkhiqizo womshuwalense wobungozi, hhayi isibonelelo sokonga noma sokutshalwa kwezimali. Ayinayo inani lemali futhi awukwazi ukuthola imali mboleko ngayo. Inhloso yayo kuphela ukunikeza inani lemali elikhokhelwa lapho umuntu eshona.