5 Okusemqoka Ukuze Ulandele Ngokuphumelelayo

Amaqoqo aphumelelayo alandelela imiphumela ekuxazululeni okusheshayo kwezimangalo zehhovisi lakho lezokwelapha. Ukulandela okumangalelwa kufanele kuqale ngokushesha ezinsukwini ezingu-7 kuya kwezingu-10 ngemuva kokuthi isimangalo sakho sithunyelwe ngenkokhelo. Imizamo esheshayo yokuthola izimali ezikhokhwayo ngeke inciphise kuphela ama-akhawunti akho atholakele kodwa ikhulise nokugeleza kwemali.

Ukusebenza okwanele ngokuqeqeshwa okuqoqweni okufanele kuzonikeze umphumela oyifunayo kwisigaba sakho sokuqoqa umjikelezo wemali. Abasebenzi behhovisi lezokwelapha kufanele baqaphele izinyathelo eziyisisekelo ezidingekayo ukuze kulandelelwe kahle ukulandelwa kwemibango yomshuwalense.

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Ukuxhumana kokuqala

Yilungele kahle. Uma usuvele uthole ummeleli womshuwalense efonini, ufuna ukuthola lonke ulwazi oluzodingwa khona. Cwaninga i-akhawunti ngokugcwele ukubuza imibuzo efanele. Yiba ne-ID yesibonelelo se-Tax kanye ne-NPI ngaphezu kwegama le-insured, usuku lokuzalwa, inombolo yenqubomgomo, usuku lwenkonzo, njll.

Qiniseka ukuthi uthole ulwazi lwababameli bomshuwalense. Igama, inombolo yokwandisa (ezinye izinkampani zisebenzisa inombolo ye-id yomsebenzi), nangaphambi kokulenga, qiniseka ukuthi uthole inombolo yereferensi yocingo.

Zama ukuthola lolu lwazi kusengaphambili engxoxweni nje uma ngabe "ngengozi" inqanyuliwe. Lokhu kuzokuvumela ukuba unikeze impendulo kumshuwalense uma uphinda uphinde ulandele imibhalo yakho.

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Buza imibuzo eminingi

Umgomo wakho ukuthola ukuthi ngabe kufanele ulindele ukuthola inkokhelo. Uma sekuyizinsuku ezingaba ngu-30 kusukela ngosuku lokukhokha futhi ungakamukeli impendulo, ummeleli womshuwalense udinga ukuchaza isizathu sokubambezeleka kokukhokha. Qinisekisa ukuthi ubuza imibuzo eyanele yemibuzo efanele.

• Iyini isimo sesimangalo?
• Isiphi isimangalo esihleliwe sokukhokha?
• Kuphi inqubo yokukhokha yisimangalo?
• Iyini inani lokukhokha?
• Iyini inombolo yokuhlola?
• Kungani isimangalo sithatha isikhathi eside ukucubungula?
• Kungani isimangalo silinde noma sibuyekezwa?
• Ngidinga kuphi ukuthumela amarekhodi ezempilo?
• Ngingakhuluma nobani ukuze uthole lesi simangalo ngokushesha?
• Kungani isimangalo singakhokhwa ngokwesivumelwano?

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Yiba yiqiniso

Ungesabi ukuphikisana nabamele umshuwalense. Izinkampani eziningi zomshuwalense zisebenzisa ama-stac tactics ukulibaziseka ukukhokha. Uma ukhuluma ngesimangalo nommeleli womshuwalense, ungawavumeli ukuba ahambe futhi akunike ulwazi olunamahloni. Uma benqaba ukukunikeza isizathu esizwakalayo sokuthi kungani isimangalo sakho siphethwe, cela ukukhuluma nomuntu ogunyaziwe, njengomphathi.

Ngenkathi unommeleli womshuwalense okhuluma ngokumangalelwa, thola ukuthi kungenzeka yini ukuthi ezinye izinto ezingekho noma ezingavumelekile ezingabambelela isimangalo ngokukhokha ngokushesha. Uma uhlakulela ubuhlobo obuhle okungenani nommeleli oyedwa womshuwalense we-carrier ngamunye, ungase ukwazi ukubenza baqinisekise ukuthi bakunike imininingwane eminingi mayelana nesimangalo kunokujwayelekile.

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Thatha isenzo esifanele

Manje ukuthi usutholile isimo sesimangalo sakho ungathatha isenzo esifanele ukusheshisa inqubo yokukhokha. Noma ngabe isiphi isinyathelo osithathayo sincike kunoma iyiphi yezinkambo ezijwayelekile zesitayela inkampani yomshuwalense esebenzise ukulibala ukukhokha.

Imenenja / Abaphathi: Qinisekisa ukuthi kukhona inqubomgomo endaweni ngakho abasebenzi bakho bazokwazi ukuxazulula ngokushesha noma yikuphi okulandelayo:

• Ayikho isimangalo kufayela
• Amarekhodi ezempilo adingekayo ukuze kubuyekezwe okunye
• Udinga ulwazi oluyisisekelo somshuwalense we-COB
• Ulwazi oludingekayo kulungu / obhalisile
• Ukugunyazwa kwangaphambili hhayi kwifayela
• Ukudluliselwa hhayi efayeleni
• Ulwazi mayelana nesimangalo esilahlekile noma esingavumelekile
• Udinga ulwazi olukhona ngaphambili kusuka kudokotela oyinhloko wokunakekelwa
• Asikho isidingo sezokwelapha
• Imininingwane yengozi iyadingeka

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Hlanganisa isiguli

Lokhu kufanele kube yindlela yokugcina kodwa kungase kube yinto edingekayo.

Kunezindlela ezimbalwa zokuphatha lesi sinyathelo.

1. Thumela isiguli isikweletu . Iziguli ngokuvamile ziphendula ngokukhethekile uma zilindele ukukhokhela okuncane noma lutho lokuvakashela kwabo. Bazokubiza noma inkampani yomshuwalense. Noma kukhona okuhle.
2. Xhumana nesiguli ngocingo. Sebenzisa le kholi ukuze uthole usizo lomguli ukuthola imali ekhokhwayo. Thola isiguli eceleni kwakho. Abafuni ukuba nomthwalo wemfanelo kulo mthethosivivinywa, yilokho abakhokhela amaphrimiyamu e-inshuwalense.
3. Qalisa ikholi yenkomfa . Uma ungathola isiguli efonini, zama ukuhlela ucingo lwenkomfa ukuze ukwazi ukufakaza kunoma yini exoxwa phakathi kwesiguli kanye nomshuwalense.