Qinisekisa ukuba eziNyanga eziNcinane aziyi kuba zibi kakhulu kwixesha elide
Unyaka ngamnye kubonakala ngathi sijongene nokunyuka kweendleko ze-inshorensi yempilo . Ngoko xa kuziwa ekukhetheni isicwangciso se-inshorensi yezempilo , kuyalinga kakhulu ukukhetha isicwangciso esinomncinci wenyanga oyintloko.
Nangona kunjalo, ezo zicwangciso kunye neeprayimari zenyanga zincinci nazo zizicwangciso ezineendleko eziphezulu kakhulu ezingaphandle kwee-pocket, nazo. Ngokuxhomekeke kwimpilo yentsapho yakho, banokuzikhethela ngokufanelekileyo, nokuba babe yintlekele yezempilo kunye / okanye yezemali kuwe.
Igama elithi "inhlekelele" kufuneka libhekiselele kwinto yokuba xa ugula kakhulu okanye ulimele kakubi-isiganeko esiyingozi-ke uya kuba neyona ncinane ubuncinci bomshuwalense wezempilo ukuze uncede ukuhlawula imali eninzi kakhulu. indleko. "I-insured high" kwaye "inhlekelele" iplani ye-inshorensi yempilo ngamagama amabini kwisicwangciso esifanayo.
Nantsi ingcaciso engemvelaphi yendlela ezi ziza kusebenza ngayo kunye neendlela ezigqithiseleyo ezinokuthi zenze isigqibo okanye ukuba unokugqiba njani ukuba zilungile okanye zikhethileyo.
Indlela Abasebenza ngayo
Indlela efanelekileyo yokujonga ukuba isicwangciso se-inshurensi yezempilo ephezulu esona sinokukhetha ukuqonda indlela abasebenza ngayo.
Masiqale ngeenkcazelo ezithile:
- I- premium yintlawulo yakho yenyanga yomshuwalense wakho.
- I- deductible yimalini oza kuhlawula ngayo unyango lwakho phambi kokuba inkampani yomshuwalense ihlawule nantoni na.
- Kukho iintlobo ezimbini ze- copays . Iyokuqala ifana ne-"yokungena emnyango" - ngokuqhelekileyo i-$ 12 okanye i-$ 25 okanye inani elithile elikhethiweyo elenza ukuba ucinge kabini malunga nokwenza olo qeshiso okanye ukuthenga eso sigqirha. Kuthetha ukuba uyaqaphela ukuba unyango lwakho lwezempilo alukhululekile - okokuqala i-copay ityala nje-iqala yonke inkqubo yokuhlawula.
Uhlobo lwesibini luyi-copay yepesenti, njenge-80/20, ebizwa ngokuba yi-" coinsurance ," oku kuthetha ukuba xa ude udlule umda wakho owenziweyo , uya kuhlawulela i-20% yezinye iibhilikhwe kunye ne-insurer yakho iya kuhlawula i-80%.
Inkampani yakho yinshorensi yempilo ifuna ukuqokelela imali eninzi njengoko inako kuwe kwaye uyihlawule ngemali encinci kunokwenzeka egameni lakho. Bashishino ukwenza inzuzo, ngoko umgaqo wabo uthatha, uthathe, uthathe-kodwa ungakhokheli kakhulu.
Ingxaki kukuba, ukuba awukwazi ukuhlawula iiprayimari (iintlawulo ozenzayo nyanga nganye) ngoko awuyi kuthenga i-inshurensi yawo yonke into.
Ngoko banokukunika inketho enokukuhlawula imali engaphantsi kwenyanga kunye nokufuna ukuba uyihlawule ngaphezulu kwipokoth yakho xa ufuna iinkonzo zonyango. Oku kuthetha ukuba abayi kuhlawula nabani egameni lakho kude kubekho umyinge othile, ophezulu kakhulu.
Ngoko iinkampani ze-inshorensi zenza iiplani ezahlukeneyo ezifuna ukuba uhlolisise "umngcipheko" wakho - amathuba okuba ugule okanye ulimele, amathuba oya kuwufuna ukuyifaka kwi-inshurensi yakho, amathuba okuya kufuneka ahlawule kakhulu iingxaki zonyango.
Isicwangciso esiqhelekileyo, esineprayim ephezulu kodwa esezantsi echithwayo, kuthetha ukuba uya kuhlawula inkampani ye-inshurensi ngaphezulu kwaye baya kuhlawula ngakumbi egameni lakho. Uye wagqiba ekubeni umngcipheko wokugula okanye ukulimala kuphakamileyo ngokwaneleyo ukuba kulungele ukuhlawula inyanga nganye ngenyanga.
Isaphulelo esiphezulu, isicwangciso esiyingozi kunye ne-premium deductible kunye neeprayimenti esezantsi kuthetha ukuba uya kuhlawula imali eninzi ekuqaleni ekuqaleni kwenkampani yomshuwalense iqala ukuhlawula egameni lakho. Uye wagqiba ekubeni umngcipheko wokugula okanye ukulimala kuncinci kwaye unako ukugcina imali ngaphandle kokuhlawula imali eninzi yomshuwalense.
U mzekelo
Isicwangciso somshuwalense rhoqo singakucela ukuba ukhokhe i-$ 1,000 ngenyanga kwinkampani yomshuwalense, kwaye i-deductible yakho i-$ 500.
Xa usuvele uhlawule loo mali, xa uhamba ugqirha kwaye ubhala isigunyaziso, baya kukuxelela, "Isigulane esifanelekileyo - uhlawula i-copay ye-$ 25 ukuba ugqirha ugqirha kunye ne-$ 15 kwimvume yakho kwaye siya kuhlawula zonke." Ekupheleni kwenyanga, ukuba ungayiboni ugqirha ngaphezu koko, ke ubiza i-$ 1,040 yeentlawulo zezempilo ngaloo nyanga.
Isicwangciso se-inshurensi esiphakamileyo / esichengayo singakucela ukuba ukhokhe i-$ 500 ngenyanga kwinkampani yomshuwalense, kodwa i-deductible yakho i-$ 2,500. Isimo esifanayo - uya kudokotela kwaye ubhala umyalelo. Kule xesha kuphela, uhlawule ukutyelela iofisi (i-$ 100) kunye neziyobisi (i-$ 15) - kodwa ngenxa yokuba uchithekile kakhulu, awuyichitha loo nyaka, ngoko inkampani yomshuwalense ayiyi kuhlawula nayiphi na into egameni lakho.
Iindleko zakho zonke le nyanga ($ 500 premium + $ 100 + $ 15 =) $ 615.
Ngoku, ukuba ufanele uhambe kwirejista kwinyanga leyo, ngoko kuvela isicwangciso sakho esicatshulwayo esilungileyo kukungcono kuwe kuba ukuba uhlawule isicwangciso sempilo esabizileyo, ubuya kuchitha i-$ 435 ngaphezulu kunokuba uhlawule ngesicwangciso sakho sempilo esichengeni / esiphezulu.
Nangona kunjalo, cinga ukuba unyana wakho wehla kwi-skateboard yakhe. Ubhekene nesingxubusho esikhupha ngaphandle. Okubi kakhulu, uyaphula ingalo yakhe kwiindawo ezintathu, ezifuna ukuhlinzwa ukubeka ingalo yakhe kwaye uyiphonkwane ukuze iphilise kakuhle. Iindleko! Lezo zikopi zokuqala ziza kuba yinkxalabo yakho. Uya kuhlawula lonke i-$ 2,500 kunye ne-20% eyongezelelweyo-eyininzi yamawaka eedola. Ngesicwangciso se-inshurensi yempilo rhoqo, inani lakho lokuphuma ngaphandle liza kuba liphantsi.
Indlela yokwenza isigqibo sokuba ngaba iCandelo eliPhezulu eliDeductible / Icebo elibi liya kuSebenza
Ukuba wena kunye nentsapho yakho niphilile kwaye ningadingi ukutyelela ezininzi ugqirha, ukuhlala esibhedlele okanye imiyalelo yeziyobisi kunyaka, ngoko ke isicwangciso esicatshulwa phezulu singasebenza kakuhle kuwe.
Ngakolunye uhlangothi, ukuba wena kunye nentsapho yakho nineengxaki zezokwelapha, njengokuba kunokwenzeka ukuphakama okuphezulu ukuba ubambe nantoni na i-pike okanye imeko engapheliyo nayiphi na uhlobo, isicwangciso sezempilo esicatshulwa phezulu siya kuhlawulwa ngakumbi kwi-pocket yakho ixesha elide.
Ukuba ucinga ukuba isicwangciso se-inshurensi yempilo ephakamileyo / esiyingozi iya kuhambelana neemfuno zakho, ngoko ungasindisa imali engakumbi ngokusebenzisa i- akhawunti yokulondoloza impilo (HSA). Ii-HSA zivumela ukuba ugcine imali, uhlawule irhafu, ukuhlawula nayiphi na uhlobo lweendleko zonyango. Ngokungafani nezinye i-akhawunti yokulondoloza imali, imali ayishiyi ekupheleni konyaka xa ungayisebenzisi, kwaye ingasetyenziswa nayiphi na ixesha ngexesha lobomi bakho bonke kwiindleko zonyango. Ukongezelela, iphathekayo , ithetha ukuba ungatshintsha imisebenzi okanye uthathe umhlalaphantsi kwaye imali oyigcinile iya kuqhubeka ikhona kuwe.