Londoloza Imali Emshuwalense Wezempilo Ukuze Uze Ulinganisele Ibhajethi Yakho!
Izindleko zokunakekelwa kwezempilo zingabiza, futhi ziyanda njalo ngonyaka futhi abantu abaningi abazi ngezindlela ezitholakalayo zokulondoloza imali uma kuziwa empilweni yabo yezempilo.
Umthetho osayinwe nguMongameli Obama ngoMashi 23, 2010 ukhuluma ngokufinyelela emshuwalense wezempilo futhi uqinisekisa ukuthi bonke abantu baseMelika abadinga ukukhokhelwa bazokwazi ukuthola umshuwalense wezempilo.
Kunezinto ongayenza manje ukuze usize ukwehlisa izindleko zemshuwalense wezempilo, noma okungenani usize ukuvimbela lezo izindleko ekukhuphukeni.
Kungakhathaliseki ukuthi uthola umshuwalense wezempilo kusuka kumqashi wakho noma uthenge umshuwalense wakho, cishe ukhokhela inani eliphakeme lemali yomshuwalense wakho wenyanga yomshuwalense wezempilo . Imishanguzo yomshuwalense wezempilo iye yanda njalo ngonyaka futhi abaqashi abaningi bacela abasebenzi babo ukuba bakhokhele amaphesenti akhula ye-premium yabo yezempilo njengoba kunqunywe ekukhokhweni kwabo. Ungathola amathiphu alandelayo awusizo:
Ukwandisa Izindleko Zakho Ezingaphandle Kwama-Pocket
Iningi lezinkampani zomshuwalense zinezinketho zezempilo ezokuvumela ukuba ukhethe phakathi kwezinqubomgomo zemishwalense zempilo ezinama-premium aphansi ngenyanga uma uvuma ukukhokha izindleko ezingaphezulu kwe-pocket, njenge- deductible yonyaka kanye ne- copayments yemisebenzi kanye nemithi yokwelashwa. Uma unempilo futhi ungalindeli noma yikuphi (noma imali encane) yokusetshenziswa kwezokwelapha ngonyaka ozayo, ukukhetha uhlelo ngezindleko ezinkulu eziphuma ngaphandle kwezingubo kungase kube mnandi kuwe.
Okuningi .
Thenga Umshwalense Wempilo Yobumfihlo
Kubathengi abathile, ukuthenga umshuwalense wezempilo kuyona kuphela inketho yokuthola impilo. Noma kunjalo, noma ngabe unomshuwalense wezempilo kusuka kumqashi wakho, umshuwalense wangasese ungase ube yindlela yokugcina imali. Njengoba izinkokhelo zomshuwalense wezempilo zikhula njalo ngonyaka futhi abaqashi bedlulisela izindleko ezengeziwe kubasebenzi babo, umshuwalense wezempilo wenkampani yakho angeke kube yinto enhle kakhulu.
Buyekeza Izinketho Zomshuwalense Wezempilo Yomqashi Wakho Unyaka ngamunye
Uma wena nomngane wakho / nishade naye nonke nifanelekele izinzuzo zezempilo zomsebenzi, hlola izinketho zomshuwalense wezempilo yenkampani ngayinye ukuze ubone ukuthi yini engakubiza. Abaqashi bahluke kakhulu ngemali yemali ye-premium eyenzayo, futhi ungakwazi ukulondoloza imali ngokushintshela komndeni womlingani wakho. Okuningi .
Ukukhishiwe - Qaphela Nge-COBRA (Umthetho Wokuhlanganiswa Kwezimali Zomthetho Omnibus)
Uma ngabe ususiwe emsebenzini wakho futhi umqashi wakho wangaphambili unabasebenzi abangu-20 noma ngaphezulu, inkampani iyadingeka ngumthetho wesifundazwe ka-1986 (owaziwa ngokuthi i-COBRA) ukukunikeza ithuba lokukhokha ukwandiswa kwemali yomshwalense wakho wezempilo okungenani izinyanga ezingu-18.
Uma ubhalisela i- COBRA , uzoqhubeka unomshuwalense wezempilo ofanayo kanye nezinzuzo ezifanayo zezinhlelo zempilo owazisebenzisayo ngesikhathi usebenza. Kodwa-ke, kufanele ukhokhe imali ye-premium yomshuwalense wempilo ukuthi umqashi wakho wangaphambili wayekukhokhela imali yokuphatha e-2%.
I-COBRA ingabiza kakhulu. Uma uthola ukwaziswa, kuzomele ukhokhele ku-$ 400 ngenyanga. Futhi ukutholakala komndeni kungaba ngaphezu kuka-R100 ngenyanga, okuyinto eningi imali futhi okungenzeka kube ngaphezu kwakho kulindeleke ukukhokha, ikakhulukazi uma ulahlekelwa yinzuzo yakho futhi uqoqa umshuwalense ongasebenzi.
Uma wena namanye amalungu emndenini wakho unempilo, ungakwazi ukuthola uhlelo oluphezulu lokunakekelwa kwempilo olungabizi kakhulu kuneCOBRA. Unezinsuku ezingu-60 zokwenza isinqumo mayelana ne-COBRA ngemuva kokubekwa eceleni, ngakho-ke hamba ku-inthanethi noma wenze i-aphoyintimenti nomthengisi wakho womshuwalense ukuze ufunde mayelana nezinketho zakho. Funda kabanzi mayelana nezinketho zakho zomshuwalense wezempilo uma ngabe usuliwe.
Thola impilo futhi uhlale uphilile
Ukuhola indlela yokuphila enempilo, kuhlanganise nokuyeka ukubhema, ukugqoka amabhande esikhwameni uma ushayela, ukuvivinya umzimba nokugcina isisindo esinempilo kunganciphisa izindleko zakho zokunakekelwa kwezempilo. Ngokuthakazelisayo kungasiza futhi ukunciphisa amaphrimiyamu akho yomshuwalense wezempilo.
Abaqashi abaningi banikeza izikhuthazo zezezimali kubasebenzi babo ukuba bahlale bephilile. Ngokubamba iqhaza ohlelweni lokuphila kahle kwenkampani yakho, awukwazi ukulondoloza kuphela imali engxenyeni yakho yezindleko ze-premium, kodwa futhi ungase uthuthukise indawo yakho.
Isibonelo, i-Safeway, uchungechunge lwesithathu esikhulu kunazo zonke esitolo esikhulu sezwe laqala uhlelo lokuzithandela lwezempilo oluzithandela ngo-2005 futhi njengamanje abasebenzi abangu-74% babamba iqhaza. Abasebenzi abambe iqhaza ngokugcwele ohlelweni bangabuka imali yonyaka we-premium yokufinyelela ku-$ 780 kumuntu ngamunye no-$ 1560 emndenini.
Hlola nomnyango wakho womsebenzi womqashi ukuze ubone ukuthi inkampani yakho inikeza uhlelo lobuhle ngokuvuselela impilo enempilo. Uma inkampani yakho inganikeli uhlelo olunjalo noma uma usebenza ngokweqile, noma ungasebenzi, phuma uphinde uhambe futhi ube nesaladi sekuseni kunokudla okusheshayo!