Indlela Yokufinyelela Ifayela Lakho Lolwazi Lwezokwelapha Lokubukeza
Iningi labathengi liyazi kahle i-ejenti yokubika ngesikweletu. Bayiqaphele indlela esizikhokhela kahle ngayo izikweletu zethu futhi sibheke isikweletu sethu ukuze abanikezi besikweletu bakwazi ukunquma ukuthi bazosiboleka yini imali esiyidinga ngemali yokukhokhela imali, izikweleti zemoto, amakhadi esikweletu kanye namanye amadivaysi esikweletu.
Kodwa abaningi abathengi-iziguli bayamangala lapho bezwa ukuthi kukhona khona i-agency efanayo ebikayo embonini yezempilo, i-Medical Information Bureau (MIB).
Eqinisweni yasungulwa ngo-1902, ihlinzeka ngezidingo zolwazi ezinkampanini zomshuwalense wezempilo kanye nezompilo ezingaba ngu-500 eNyakatho Melika ezifuna impilo, isikweletu, kanye nolunye ulwazi ngalabo abathengi-iziguli ezicela ukuba ziqinisekiswe.
Inhloso ngemuva kwe-MIB ukuhlinzeka ngolwazi lwangemuva kumalungu enkampanhla yomshuwalense ukuze bakwazi ukunquma ukuthi ngubani ozokwamukela umshuwalense, noma ngubani oyoyichitha. Ngokombiko we-MIB, baqoqa ulwazi ngamaphesenti angu-15 kuya kwangu-20 kuphela abantu abaye bafaka isicelo sempilo yomshuwalense ngamunye noma izinqubomgomo zomshuwalense wokuphila.
I-MIB ithi umsebenzi wayo "ukubona nokuvimbela ukukhwabanisa okungenzeka ngesikhathi sokuthola impilo, impilo, ukukhubazeka kwengculazi, ukugula okubalulekile, nomshwalense wokunakekelwa isikhathi eside." Lezo zimali, izimali ze-MIB, zisiza ukunciphisa ama-premium kumthengi-abathenga abathengi.
Njengoba kucatshangelwa uhulumeni ukuba abe yi-ejenti yokubika umthengi, izinsizakalo zayo kufanele zihambisane noMthetho we-US Fair Reporting Act kanye noMthetho WezokuThathelana Nezikweletu Ezilungile.
Kubathengi-iziguli, lokhu kusho ukuthi kufanele ilandele imithetho efanayo yokudalula njengoba i-ejenti yokubika ngesikweletu esiyazi kahle. Lokho kusho ukuthi uyakwazi ukuthola amakhophi kwanoma yimiphi imibiko abamba kuwe, futhi kukhona inqubo yokuphambana amaphutha.
Ukwaziswa Kanjani I-MIB Ukuqoqa?
- Ulwazi lwekhredithi
- Izimo zezokwelapha
- Ukuhlolwa kwezokwelapha nemiphumela
- Imikhuba efana nokubhema, ukudla ngokweqile, ukugembula, izidakamizwa
- Ukwazisa okunobungozi nokuzilibazisa
- Imibiko yemoto (umlando omshayeli wokushayela kanye nezingozi)
Ulwazi oluqoqwe yi-MIB luhlala efayeleni iminyaka eyisikhombisa. Uma ngabe amanye amalungu awo acele ifayela lakho ezinyangeni ezingu-12 ezedlule, lokho kuzobe kubalwe ngamarekhodi akho.
Kungani Amalungu e-MIB adinga lolu Lwazi?
Isizathu sokuthi lolu lwazi luqoqwe ukusiza ngokuqondile izinkampani zalo malungu ukwenza izinqumo mayelana nokuthi ngubani ozophila impilo ende futhi enempilo.
Ukuphila, ukukhubazeka, umshwalense wokunakekelwa isikhathi eside, nezinye izinkampani ezihlobene nempilo zifuna kuphela ukuqinisekisa abantu abazokhipha isidingo senkampani yokuzikhokhela. Intshisekelo yabo yokwenza imali, ngakho-ke bafuna ukuqinisekisa kuphela labo bantu abazokhokhwa imali ekhokhelwa imali engaphezu kwesikhathi eside ekugcineni ekugcineni bayengeze ngaphezu kwenkampani yomshuwalense okumele bayikhokhele.
Ulwazi oluqoqwe yi-MIB lusiza izinkampani zomshuwalense zinqume ukuthi yiziphi abafakizicelo abazohlala isikhathi eside ngokwanele ukusiza inkampani ukuba inenzuzo yayo.
Ubani Ofinyeleleka ku-MIB Ulwazi Oluqoqiwe?
- Abasebenzi bamalungu ayo bangathola ulwazi lwakho lomuntu siqu ukuze babasize ekuthathweni kwezinqumo zabo. Ukuze uthole ukufinyelela, kufanele uthole isignesha yakho.
- Ukwazi ukufinyelela umbiko wakho we-MIB kanye ngonyaka ungekho izindleko kuwe. Kumele ubize i-MIB ku (866) 692-6901 (TTY (866) 346-3642 yokuzwa kahle.
- I-MIB ithi ngokuqondile ukuthi "Abaqashi, abathengisi, nabangewona Amalungu abanakho ukufinyelela kumafayela we-MIB."
Kungani Lokhu Kubalulekile Ezigulini?
Njengamanye amarekhodi wezokwelapha , iziguli kudingeka ziqaphele ukuthi le nhlangano ikhona ukuze ithinte ikhono labo lokuthola umshuwalense abangase bafise ukuthola.
Uma ucabanga ukuthi uzothenga noma yikuphi uhlobo lokuphila, ukukhubazeka, isikhathi eside noma omunye umshuwalense ohlobene nempilo eminyakeni embalwa ezayo, uhlele ukuthola noma yimaphi amarekhodi e-MIB okwamanje efayeleni ukuze uwabuyekeze ngokunemba.