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Lapho usebenza nomshuwalense wezempilo , enye inkulumo ongayithola kuyimali enengqondo nangokwezifiso. Kubalulekile ukuqonda ukuthi imali ekhokhwayo neyendabuko iyini.
Sibutsetelo
Imali enengqondo futhi engokwesiko yimalengo yemali umnikezeli othile wokunakekelwa kwezempilo okhomba ukuthi iyindlela ejwayelekile noma evumelekile yokukhokha ethile enkonzweni ethile ephathelene nempilo noma inqubo yezokwelapha.
Imali eqondakalayo neyomkhuba isebenza ezindaweni ezinikeziwe, futhi izinombolo eziqondile zezindleko ezinjalo zixhomeke endaweni yesevisi.
Uma izinkokhelo zezinqubo ezihlobene nempilo noma insizakalo ukuthi wena (noma udokotela wakho) uthumele kumhlinzeki wakho wezokunakekelwa kwezempilo ziphakeme kunelokho uhlelo lwezempilo olubheka njengokujwayelekile noma olwamukelekayo enkonzweni ehlanganisiwe, uhlelo lwakho lwezempilo lungavumeli noma lumboze inani eligcwele elikhokhisiwe kuwe. Ngakho-ke, ungaqeda ukuthi ukhokhe umehluko ngaphandle kwephaketheni.
Abantu abanomshwalense wezempilo abhalisiwe ohlelweni lokunakekelwa oluphathisiwe (njenge-PPO noma i-HMO) akudingeki bakhathazeke ngemali ekhokhwayo neyomkhuba, njengoba bengaphansi kwabo.
Izinqubo Zamazinyo
Izimali ezizwakalayo nezomkhuba zivame ukusetshenziselwa izinqubo zamazinyo. Zazijwayele kakhulu lapho abantu abaningi benempilo enkulu yomshuwalense wezezempilo noma indleko. Manje-ke, abaningi, uma kungenjalo abaningi baseMelika abanempilo yomshuwalense wezempilo babhalisiwe ohlelweni lokunakekelwa oluhlelekile (olufana ne-PPO noma i-HMO) futhi abangekho ngaphansi kwemali ekhokhwayo neyomkhuba.
Uma use-PPO futhi unquma ukuphuma kwinethiwekhi yokunakekelwa, kungase kudingeke ukhokhe imali yezinkokhelo , okuvame ukuba ngu-20%. Ngesinye isikhathi nawe ungase ukhokhele imali eyengeziwe ngokusekelwe kwemali eqondakalayo nangokwezifiso.
Isibonelo
Ngaphansi kwalesi sibonelo semali eqondakalayo nangokwezifiso:
Asho ukuthi uphume ngaphandle kwenethiwekhi ngenqubo encane yokuhlinzwa.
Udokotela uphawula u-$ 1500 ngenqubo, kodwa uhlelo lwezempilo seluqalile ukuthi imali efanelekile kanye nenkambiso yenqubo ethile yi-$ 1000. Uhlelo lwakho lwezempilo luzokhokhela udokotela u-$ 800 futhi kuzodingeka ukhokhe imali engu-$ 200 ye-coinsurance. Udokotela angakuthumela futhi isikweletu se-$ 500 esisele.
Indawo iqala ukudlala, noma kunjalo. Ngokuya lapho uhlala khona nokuthi kuphi inqubo eyenziwa, imithetho yakho yomshuwalense wombuso, kanye namalungiselelo enkontileka phakathi kwabahlinzeki kanye nezinhlelo zezempilo kungase kusebenze ukucacisa ukuthi kuzodingeka ukhokhe kangakanani ngempela.
Futhi eyaziwa ngokuthi: Imali enengqondo futhi yenkambiso iphinde ibhekiswe njengeMali ejwayelekile, imali ekhokhwayo, kanye nemali ekhokhwa ngokwezifiso.