Tātaitai Inihua Tiaki Moni Whiwhi
Whakatauria ngā utu inihua tiaki moni whiwhi i NZ.
Mō tēnei tātaitai
Ka whakatinanahia e tēnei tātaitai ngā kāri utu inihua tiaki moni whiwhi mai i AIA, Asteron, Cigna, Partners Life. Tirohia whakamutunga 18 Haratua 2026. Whakamanahia ngā tatauranga mā te whai i te hononga.
Ngā reiti inihua moni whiwhi NZ
Ka rerekē- •Mōrahi kawenga: 75%
- •Wā tatari: 2 / 4 / 8 / 13 wiki
- •Wā utu: 2t / 5t / ki te 65
- •Ngā kaituku matua: AIA, Asteron, Cigna
- •Kai-paipa: ~×2
- •Tāke: Whakahekehia mēnā Agreed Value
Whakatūpato
He whakatau tata nō tēnei tātaitai, hei whakamōhio noa iho. Kaua e whakawhirinaki ki ēnei hua hei tohutohu pūtea, tāke, ture rānei. E ai ki ngā raraunga tūmatanui a te IRD, ā, ka huri pea. Me kōrero ki tētahi kaitohutohu pūtea tohu mō ōu āhuatanga ake.
Me pēhea te utu IP
Utu = kawenga ā-marama × reiti pakeke × wā tatari.
- 1
Kawenga ā-marama
Kawenga = ā-tau × % ÷ 12 (mōrahi 75%)
75% mōrahi ture.
- 2
Reiti ia $1,000
Reiti = kāri pakeke
Ka piki teitei i muri 50.
- 3
Whakatika wā tatari
Whakatika = wā tatari
Roa ake = māmā ake.
- 4
Utu ā-tau
Utu = (kawenga ÷ 1000) × reiti × 12 × tatari
Ka pā ki te momo mahi.
Tauira
Tāuru: $85k, 35-39 tāne, 4 wiki, 75%
Hua: ~$149/marama.
Ngā Pātai Auau
He whaihua te IP i NZ?
He aha te rerekētanga o IP ki ACC?
He aha te rerekētanga o Agreed Value me Indemnity?
Me pēhea te whakamahi tahi a ACC me te IP?
Ka whakatau tēnei tātaitai i ngā utu inihua tiaki moni whiwhi o Aotearoa mā te pae tau, te ira tangata, te taumata kapi, me te wā tatari. Ka whakakapi te inihua nei tae ki te 75% o tō utu mēnā ka aukatia tō mahi e te māuiui, e te hauātanga kāore i te ACC.
Me pēhea te mahi a tēnei tātaitai
Ka kapi te ACC i ngā whara anake — kāore he utu mēnā ka aukatia tō mahi e te matepukupuku, e te mate manawa, e te mate hinengaro rānei; koinei te āputa ka whakakīa e te inihua tiaki moni whiwhi. Ka topea te kapi ki te 75% o te moni whiwhi tōpū, ā, ko te kapi ā-marama ko tō utu × kapi % ÷ 12. Ka utua ngā utu mō ia $1,000 o te kapi ā-marama mai i te ripanga pae-tau — hei tauira, tōna $28 ia tau mō ia $1,000 mō te tāne 35-39 — ā, ka piki tere i muri i te 50. Ko te wā tatari tō tino rautaki: mā te kōwhiri i te 8 wiki, kaua i te 4, ka heke te utu mā te 15%, mā te 13 wiki tōna 30%, i te mea ka ora te nuinga o ngā māuiui i roto i te wā tatari. Ka whakatikaina hoki ngā utu tūturu mō te momo mahi, te kai paipa, me te hauora — nō reira he whakatau whakamahere tēnei.
Ngā tūāpapa o te inihua tiaki moni whiwhi
| Kapi mōrahi | 75% o te moni whiwhi tōpū |
| Ngā wā tatari | 2 / 4 / 8 / 13 wiki |
| Utu ā-wā tatari | 2wk ×1.35 · 4wk ×1.0 · 8wk ×0.85 · 13wk ×0.70 |
| Ngā wā painga | 2 tau / 5 tau / tae ki te 65 |
| Reiti tohu (tāne 35-39) | ~$28/tau mō ia $1,000 kapi ā-marama |
| Tāpiri kai paipa | ~×2 |
| Ngā kaiwhakarato nui | AIA, Asteron, Chubb, Fidelity, Partners Life |
He reiti tohu; ka rerekē ngā utu tūturu.
Ngā Tauira Mahia
Utu $85,000, tāne 35-39, kapi 75%, tatari 4-wiki
Utu ≈ $1,785/tau (tōna $149/marama) mō te kapi $5,313/marama.
- Kapi ā-marama: $85,000 × 75% ÷ 12 = $5,313
- Reiti: $28 mō ia $1,000 o te kapi ā-marama ia tau
- Utu: 5.313 × $28 × 12 = ≈ $1,785/tau
Ko taua tangata anō, engari he 8-wiki te tatari
Ka heke te utu ki te ≈ $1,517/tau (tōna $126/marama) — penapena ≈ $268 ia tau.
- Utu tūāpapa (4-wiki): $1,785
- Take 8-wiki: ×0.85
- Utu: $1,785 × 0.85 ≈ $1,517/tau
- Te whakawhitinga: māu ngā wiki tuatahi e 8 e utu
I hangaia, i tiakina e Konstantin Iakovlev. Raraunga mai i te IRD me ngā puna kāwanatanga mana o Aotearoa.
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