Ngasekupheleni konyaka wekhalenda ngalinye, mhlawumbe uqala ukuzwa eminyangweni yabasebenzi benkampani yakho noma kumabhalisi nabakhokhisi abaqapha impilo yakho mayelana nokuthi uzodingeka ukhokhele kangakanani ukukhokhelwa ngonyaka ozayo. Unyaka ngamunye lawo ma- premium ayanda, ngezinye izikhathi ngamaphesenti amadijithi amabili. Kungani umshuwalense wezempilo ubiza kakhulu?
Futhi kungani kufanele ukhokhe ngaphezulu konyaka, noma ngabe unempilo?
Kungani Amaphrimiyamu Omshuwalense WezeMpilo ekhula
Imishwalense yomshuwalense wezempilo ikhuphuka ngoba izindleko zezokwelapha zanda Odokotela badinga ukukhokhelwa ngaphezulu, izidakamizwa zibiza kakhulu, ubuchwepheshe bokuhlola buyinkimbinkimbi futhi bubiza kakhulu, njalonjalo. Uma siqonda ukuthi abakwa-insurerrs benhlalakahle banquma kanjani amaphrimiyamu abo yonyaka, kulula ukuqonda ukuthi kungani ibiza kakhulu, ngisho nalapho siphelile.
Yeka ukuthi ama-Premium anqunywa kanjani
Unyaka ngamunye, umshuwalense uhlakulela amaphrofayli ayo, bese echaza ukuthi lolu hlobo lwesiguli luzobiza kangakanani. Isibonelo, iphrofayli eyodwa ingaba yindoda yabantwana, abaneminyaka yobudala emibili kuya ku-6. Umshwalense uzothola inani lokuvakashelwa udokotela ngamunye ingane elizodinga, ingaki emitholampilo ayoyidingayo, ukuthi uzowela kangaki futhi adinga ukufakwa, njll. .
Enye iphrofayli ingase ibe ngowesifazane oneminyaka engu-45 kuya ku-55. Lo wesifazane uzodinga ukuhlolwa, i- mammogram , mhlawumbe i- colonoscopy noma i- scan scan .
Uzodinga ukuhlolwa kwegazi ngesifo sikashukela noma i-cholesterol. Uma enempilo enhle, angase adinge ukuthatha izidakamizwa ezilodwa noma ngaphezulu, mhlawumbe isimiso sokuvimbela izinkinga zenhliziyo.
Umshuwalense uzophinde alindele inombolo ethile yokuhlinza, ukuhlolwa kwezokwelapha, izingozi nezinye izidingo zezokwelapha ezingase zibe khona kweziguli zayo ezifakiwe.
Ukusebenzisa lawo maphrofayli, wanda ngenani leziguli abalindele ukuzoqinisekisa ngazo, umshwalense angalinganisa ukuthi izindleko zaso ziyoba yini. Izindleko ezingeziwe zezindleko kanye nenzuzo kuzongeniswa kwonke. Bese bayokwenza izibalo ukuthola izindleko ezijwayelekile ngesiguli noma umndeni. Lokho kuzoba yi-premium yakho yonyaka.
Umuntu ngamunye noma umndeni ozobamba iqhaza uyokhokha inani elifanayo le-premium, kungakhathaliseki ukuthi impilo yomuntu ngamunye noma yomndeni.
Ingabe Izinkokhelo Zomshuwalense Wezempilo Yakho Empeleni Ziyizivumelwano?
- Uma uqashwe, wena nomqashi wakho bangabelana ngezindleko zakho ze-premium. Uma ungenayo umqashi ukukusiza ukuthi ukhokhe ama-premium akho, zonke izindleko zizoba ezakho.
- Uma usuphilile , izindleko zakho ze-premium ziyoba ngaphezulu kakhulu kunalokho okuzokukhokhela ukunakekela ngaphezu konyaka. Ungase ukhokhe izinkulungwane zamadola, futhi udinga ukuvakashelwa okulodwa kudokotela noma eyodwa kadokotela. Uchitha imali kuma-premium ngoba awufuni ukubeka engcupheni umthamo we-bill ngenxa yengozi enkulu noma ukugula.
- Uma ungenempilo encane futhi udala , okusho ukuthi ukuhlolwa okuningi kunconywa unyaka ngamunye, khona-ke ungase uphume cishe. Izinkulungwane zakho zamaRandi ezinkulungwane zama-premium zingase zibe eduze nezindleko zangempela uma ukhokhwa ephaketheni lazo zivivinyo kanye nokuvakashelwa udokotela. Noma kunjalo, uchitha imali kuma-premium ngoba awufuni ukubeka engozini enkulu uma uthola ukuthi unesifo esinzima noma ulimale ekuwa noma kwenye ingozi.
- Uma ugula , ikakhulukazi uma usukhulile futhi ugula, khona-ke amaprimium akho omshuwalense uyoba yinto engokoqobo. Kulabo abanezifo ezingapheli ezifana nesifo sikashukela noma izinkinga zenhliziyo, noma umuntu otholakala enomdlavuza noma yisiphi isifo esilimazayo, izindleko zakho zangempela zokunakekelwa, uma ukhokhela ephaketheni lakho, kungaba ngamakhulu ezinkulungwane zamaRandi.
- Uma uneminyaka engaphezu kwengu-65 futhi uthola i-Medicare, ukutholakala kwakho kokunakekelwa kuyoba yindlala yangempela. Uzothola ukunakekelwa okuzoyidinga ngokusekelwe ekutheni usuphele iminyaka yobudala bomhlalaphansi. Kubaningi, uzobe ukhokhele kuleso sikhwama kulo lonke umsebenzi wakho wokusebenza. Kodwa uma unesifo esingelapheki noma uthola ukuthi unesifo esilimazayo, ukubuya kwakho kulolo luza utshalomali luzobe lukhulu.
Isithombe Esikhulu Sama-premium Omshuwalense Wezempilo
Manje ake sibheke isithombe esikhulu-isibalo sezwe lonke. Inani lethu liguga, futhi njengoba lonke iqembu lidala, khona-ke lonke iqembu lidinga ukunakekelwa kwempilo okungaphezulu. Abantu asebekhulile baye bahlakulela izifo ezingapheli isikhathi eside. Ziyakwazi ukubhekana nezifo ezisongela ukuphila ezifana ne-khansa noma isifo se-Alzheimer kunabantu abasha.
Izingane ezintsha zizalwa, kunjalo. Kodwa futhi sibhekene nezimo eziphakeme zezingane ezine- autism nezinye izinkinga ezithinta izindleko zokunakekelwa kulo lonke izwe.
Abantu abaningi bangakwazi ukukhokhela izindleko zomshwalense. Ikakhulukazi ezikhathini ezinzima zezomnotho, abantu abambalwa abathenga umshuwalense bazosho izindleko eziphakeme kulabo abathenga ukuthenga.
Yini esingayenza ukuze sinciphise izindleko zemiklomelo ye-inshuwalense?
Okokuqala, wazi ukuthi ukwehlisa izindleko zomshwalense akufani nokunciphisa izindleko zokunakekelwa kwezempilo ngokujwayelekile kithi njengabantu ngabanye noma imindeni. Izindleko zokunakekelwa kwezempilo zisakazwa kuwo wonke umuntu njengoba kuchazwe ngenhla.
Okwesibili, uma ukhona esigabeni "esibuhlungu" esichazwe ngenhla, noma eseneminyaka engaphezu kuka-65 ubudala, cishe awukwazi ukuthola ukuvikeleka kwezempilo kancane kunalokho okukhokha manje.
Labo abanempilo enhle, noma abathola izinhlelo ezingaphezu kweyodwa ngokusebenzisa abaqashi babo bangaba nokulawula ezinye izindleko zomshuwalense, kuhlanganise nentengo ekhokhelwa ama-premium, ama-deductibles, futhi ekhokhela, kanje:
- Unyaka ngamunye ngesikhathi sokubhaliswa komshuwalense wezempilo ngonyaka ozayo, noma ngesikhathi ushintsha imisebenzi noma nganoma yisiphi esinye isizathu ushintshe ukufakwa kwomshuwalense, kuthatha isikhathi ukwenza izibalo zangempela ukukhetha uhlelo olungcono kakhulu kuwe. Kuye ngezidingo zakho, ama-premium angase abe yingxenye ebiza kakhulu kakhulu yokunakekelwa kwakho.
- Cabanga ngomshuwalense wokukhathazeka ophezulu, ongenakwenzeka . Lezi zinhlelo zinama-premium aphansi kakhulu futhi zisebenza kahle kubantu abaphilile kakhulu. Uma ukhetha enye yalezi zinhlelo, ungakhetha futhi ukusebenzisa i- Akhawunti Yokulondoloza Impilo yindlela yokwenza imali yakho yezindleko zezempilo itholakale intela futhi ikusiza ukuba ulondoloze imali ongayidinga kamuva ukuze uthole izindleko zezempilo. Kubuye kukusize unciphise inani elithunyelwa kumshwalense wemali ngendlela yama-premium.
- Bonisa ukuthi ufanelekile yini ohlelweni loxhaso lwempilo lwezempilo olusezingeni likahulumeni njengoMedicaid noma abanye. Umbuso ngamunye unezinhlelo ezahlukene.
Imibuzo eminingi yomshuwalense wezempilo
- Kungani umshwalense wami ungafihla odokotela engifuna ukukubona ?
- Kungani umshuwalense wami ungafihli ezinye zezokwelapha ezihambisanayo noma ezihlukile engingathanda?
- Kungani inkampani yomshuwalense wezempilo ingivumela ukuba ngifake imali ?