Ukukhokhelwa ngumonde ngamunye
Ukuthunjwa kubhekisela esimweni sezinhlelo zokukhokha kwezempilo . Esikhathini somfanekiso wokuthunjwa, umhlinzeki wezempilo noma isikhungo ngasinye esikhokhelwa yi-insurer (noma omunye umkhokheli) inani elilinganiselwe ngesiguli ngasinye ngesikhathi esinikeziwe. Igama elithi capiting livela egameni lesiLatin elisenhloko , caput . Incazelo yokubamba iqhaza yukuthi ukubalwa kwenhloko kuthathwa futhi ukukhokha kusekelwe kulokho kubalwa ngaphandle kokubheka ukusetshenziswa kwangempela kwezinsizakalo zezempilo.
Isibonelo sohlelo lokuthutha
Isibonelo somodeli wokuthunjwa kungaba ngumshuwalense noma umkhokheli ozoxoxa ngokukhokha udokotela $ 500 ngonyaka ngomuntu ngamunye eqenjini. Kubantu abayi-1 000, lo mshwalense uzokhokha udokotela $ 500,000 kanti udokotela kulindeleke ukuthi anikeze zonke izinsizakalo ezidingekayo kulabo bantu abayi-1 000 abahlukene.
Uma umuntu oyedwa (isiguli) esetshenziselwa izinsizakalo zokunakekelwa kwempilo engu-$ 2,000, lowo dokotela uzophela ekulahlekelwa yiRandi engu-1,500 kulowo mguli. Ngakolunye uhlangothi, uma esinye isiguli esithile sisebenzise kuphela izinsizakalo zokunakekelwa kwempilo engu-$ 10 kuphela, udokotela uzokwenza inzuzo engu-$ 490 kuleso sifo. Yiqiniso, kuleso simiso, umgomo oyinhloko udokotela ukugcina imali eningi ekhokhwayo ngangokunokwenzeka.
Ukungafani nesistimu yokuthunjwa kungaba uhlelo lokunakekelwa kwezempilo lapho umhlinzeki ekhokhwa khona ngemali yesevisi ngayinye. Uma isiguli sidinga ukuhlolwa kwe- CT , lo mshwalense wayezokhokhela i-CT scan, engenakho lutho nokunye okunye okumele kwenziwe noma izinkokhelo.
Izinzuzo zesistimu yokuthunjwa
Inzuzo eyinhloko yesistimu yokukhokha ukuthunjwa yodokotela noma umshwalense yilezi zinciphisa izindleko zokugcina izincwadi . Udokotela akudingeki akhokhe abasebenzi abakhulu bezisebenzi zokukhokhisa, futhi akudingeki alinde ukuba abuyiselwe nganoma yiziphi izinsizakalo ezithile. Izindleko zangempela zodokotela zokunakekela iziguli zakhe zingancipha.
Inzuzo yomshuwalense noma umkhokha wukuthi uhlelo luyanciphisa ukukhuthaza ukuhlinzeka ngokunakekelwa okungaphezu kwalokho okudingekile. Lokhu kunciphisa lokho okumele bakhokhele umhlinzeki, kanye nokunciphisa izindleko zabo zokuphendula.
Enye inzuzo ukuthi isiguli asinakunikwa ukunakekelwa okungadingekile okungeke kwenzeke ukuthi sithuthukise impilo noma isimo sabo kodwa singakhuphula izindleko zabo zokunakekelwa kwezempilo uma kufanele bakhokhele ikhodi co-co . Ukunakekelwa okwengeziwe akuzona njalo ukunakekelwa kangcono.
Ukuqeda uhlelo lokuThuthukisa
Ingozi yukuthi udokotela uqala ukwenza izinqumo mayelana nokuthi uyakunakekela yini noma angeke anikeze ngoba uzokwenza imali eningi ngokunikeza ukunakekelwa okuncane, uhlobo lokunakekelwa kwezempilo . Ukunakekelwa okudinga ukuthi udokotela unikezela isiguli, isikhwama sokunakekelwa kwempilo sesiguli sizokhudlwana. Kodwa-ke, udokotela uhola inkokhelo efanayo, kungakhathaliseki ukuthi umsebenzi omncane noma omncane akwenza kumguli. Ngakho-ke, uhlelo luhlanganisa isikhuthazo esakhelwe ukuthi udokotela abone iziguli eziningi ngangokunokwenzeka, kunokuba agxile ukunakekelwa komunye umuntu ngesiguli.