Yuav tsum tau txheeb xyuas thiab teev zwm koj tej khoom cuab yeej cuab tam:
Ua ntej koj yuav muas cov nyiaj tuav pov hwv pov puag koj tej cuab yeej cuab tam ces yog ib qho tseem ceeb heev koj yuav tau los sau thiab teev zwm seb koj muaj khoom dab tsi thiab cov khoom ntawd ib yam twg raug tus nqe npaum li cas yog piam puas los yog neeg nyiag lawm es yuav tau yuav tshiab los hloov chaws.
Tsim nyog koj yuav tau muab txhua yam khoom yees duab khaws tseg cia thiab nco qab ntsoov khawv cov tw ntawv receipts uas koj yuav yam khoom ntawd nrog yam khoom ntawd tso ua kev thiab.
Yog koj xav paub tias yuav xam tus nqe tej cuab yeej cuab tam li cas ces nyem ntwm no thaum koj sau thiab teev zwm koj tej khoom cuab yeej cuab tam ntawd tias muaj yam khoom dab tsi.
Make a list of everything of value that you own and want the insurer to cover. Source: AAP
Yuav tsum nrhiav thiab nug ntau lub tuam txhab muag cov nyiaj tuav pov hwm (Insurers) kom nrhiav tau cov zoo rau koj siv:
Muaj ntau txoj hauv kev uas koj muaj peev xwm yuav tau cov nyiaj tuav pov hwm pov puag tej khoom cuab yeej cuab tam (Contents Insurance). Tsis tas li no tseem muaj cov koom haum tuaj nruab nrab tsis nce rau tog twg cov vam sab piv cov tuam txhab muag tej nyiaj tuav pov hwm no seb lub twg muaj tej cai, lus zoj khi, cov offer, pheej yig los yog kim li cas qhia rau koj paub thiab.
Tab sis qhov zoo tshaj plaws ces xav kom koj mus nrhiav kom tau 3 daim ntawv tus nqe yuav cov nyiaj tuav pov hwm ntawm cov tuam txhab muag cov nyiaj tuav pov hwm no: .
Thiab yog koj muaj tej yam khoom muaj nqis uas cov policy no tsis tau pov puag ces koj muaj peev xwm tso ntxiv tau tib yam.
Koj yuav tsum qhia tej xov xwm txog yam khoom ntawm kom raug thiab meej tseeg raws li qhov muaj tiag:
Yuav tsum qhia cov xov xwm cuam tshuam txog tej khoom ntawd kom raug raws li qhov tseeb rau lub tuam txhab uas koj yuav cov nyiaj tuav pov hwm (Insurers) ntawd paub. Thiab ua tib zoo txheeb xyuas kom koj pov hwm tej khoom no raws li qhov tsim nyog tus nqe tiag.
Thiab yuav tsum khaws cov receipts, teev zwm ua ntaub ntawv, thiab yees tej khoom ntawv duab tseg. Tsis tas li no yuav tsum tau rov qab los txheeb xyuas koj cov nyiaj tuav pov hwm uas no txhua lub xyoo.
Shop around for a policy that best suits your needs and protects all that is important to you. Source: AAP
Yuav tsum ua tib zoo nyem tsab cai tswj cov nyiaj tuav pov hwm koj yuav ntawd kom zoo (Read the fine print) seb muaj lus zoj khi dab tsi:
Vim txhua cov nyiaj tuav pov hwm (Insurance policy) yeej sib txawv, yog li thiaj tsim nyog koj yuav tau ua tib zoo nyeem kom zoo.
Muaj ib txhia tuam txhab ces tuaj yeem pov puag accidental damage tab sis lwm cov tsis kam. Muaj ib txhia kam pov puag tej nyiaj kub thiab zeb nuj (Ruby, diamond etc,) uas raug nqe txog li 5,000 dollars. Yog li ntawd yog tias koj muaj nplhaib tus nqe kim ces tsim nyog koj yuav tau pov puag thiab tseem muaj qee lub tuam txhab muag cov nyiaj tuav pov hwm pov puag yog koj raug dej nyab thiab.
Yog tuas jih xav kom koj yuav tau cov nyiaj tuav pov hwm zoo ces koj yuav tsum tau nrhiav cov insurance ntawm ntau lub tuam txhab muag nyiaj tuav pov hwm (Insurers) txhua lub xyoo thiaj muaj cov offer zoo dua. Vim lawv yeej offer zoo dua rau cov neeg (Customers) yuav cov insurance tshiab.
Xov xwm tseem ceeb lwm yam ua koj nrhiav nyeem thiab saib tau ntxiv (Useful links):
-Saib thiab nyeem tau lub koom haum Insurance Council of Australia kom koj tau tau txog cov nyiaj tuav pov hwm los yog Insurance ntawm no:
www.understandinsurance.com.au
- Txheeb xyuas seb yuav teev zwm tej khoom cuab yeej cuab tam li cas (Contents) tau ntawm no:
-Txheeb xyuas koj koj paub xam tias tus nqe yam khoom koj yuav ntawd raug nqe npaum li cas tau ntawm lub vam sab no:
- Nrhiav seb xav yuav nyiaj tuav pov hwm ntawm lub tuam txhab twg los yog sib piv seb lub twg zoo tau ntawm no: (compares insurers),
- Nyeem xov xwm ntxiv txog cov nyiaj tuav pov hwm pov puag vaj tse thiab khoom cuab yeej cuab tam tau ntwm lub koom haum pov puag cov neeg yuav khoom siv txoj cai tau raws li no: 
Always read the fine print, some insurers may charge additional costs for events like flooding. Source: AAP
Mloog tau xov xwm lwm yam kaw ua suab tau ntawm:
Download SBS Radio App tso rau koj lub xov tooj ntawm tes rau ntawm App Store thiab Google Play.
Mloog tau SBS Radio Hmong Program ntawm digital TV tshooj 38 hauv Australia.
Thiab mloog tau ntawm cov radio frequency li hauv qab no:
Radio freguencies in Australia cities:
HOBART 105.7FM
MELBOURNE 93.1FM Or 1224 AM
CANBERRA 105.5FM Or 1440 AM
SYDNEY 97.7FM or 1107 AM
BRISBANE 93.3 FM
CAIRNS 90.5 FM
