Umshuwalense wezeMpilo Co-Ops Musa ukuphishekela inzuzo
Ii-co-ops ze-inshurensi yezempilo (izentsebenziswano) zakhiwo zentlawulo yezempilo ezinikezela i-inshurensi yezempilo kwiindleko ezincitshisiweyo ngelixa uqhubeka ukhuphisana neenkampani zomshuwalense wabucala .
Ngethuba leengxoxo malunga nokulungiswa kwezempilo, kwaye ngelixa bekhangela iindlela ezingcono zokumisela impilo yoncedo kubantu bonke baseMelika, iingxoxo zenzeke malunga nophuhliso lwe-co-ops ye-inshorensi yezempilo, ebizwa ngokuba yi-cooperative yomshuwalense yezempilo.
I-Inshurensi ye-Inthanethi ye-inshurensi ye-Ops isebenza njani
Ii-Co-ops ziphethwe ngabantu abane-inshurensi nabo. Ngaloo ndlela babizwa ngokuba "ngumnikazi wabelungu." Enyanisweni, i-co-ops ye-inshorensi yezempilo iyimibutho yomshuwalense yezempilo enezigulane eziqinisekisa. Ziqukwa ngamawaka amalungu, oku kuthetha ukuba indleko zonyango ziya kwaziswa kubo bonke abo bantu. Ekubeni i-co-ops ayinomdla kwiingeniso, iindleko zabo ziyindleko zangempela, kwaye azixhaswanga ngeendleko zolawulo. Ukongezwa koko, kuba ii-co-ops ziqokelela kuphela izinto abazichithayo, abanakho ukuhlawulwa kwentlawulo, egcina ixabiso liphantsi.
Ubunikazi beLungu le-Co-Op
Enye indlela yokuqonda ii-co-ops kukucinga ngenyunyana yekhredithi enelungelo lomntu. Ukususela ekubeni amalungu ayo atyala imali kumalungu ayo, kwaye ekubeni ingalingi ukubuyisela inzuzo, amalungu angase abuyele imali engcono kwi-savings yabo, okanye izaphulelo ezingcono kumalimboleko, kuba iindleko zolawulo ziphantsi kwaye akukho ntlawulo yerhafu.
I-inshorensi ye-inshorensi yempilo sele ikhona kwiindawo ezininzi kwi-United States. Bavame ukubunjwa ngabaqeshi benento efanayo; umzekelo wamaqela amafama aseCalifornia okanye amaqela amashishini amancinci eM Minnesota. Kukho nezinye iintlobo ze-co-ops zomshuwalense ezifana ne-inshurensi yemoto okanye i-inshurensi yabanini.
I-o-co-ops inokuphuhliswa nayiphi na intlangano. Imibutho kaZwelonke, karhulumente, okanye yasekuhlaleni inokuphuhlisa ubambiswano lwe-inshorensi yezempilo. Isibhedlele sendawo singaqala esinye. Umqeshi omkhulu unokuqalisa enye. Kwakhona, cingisisa ngazo zonke iintlobo zemibutho yeekhredithi ezikhoyo kwaye uya kuba neengcamango zendlela i-co-ops ye-inshurensi yezempilo engasungulwa ngayo.
Iinkonzo ze-Inshurensi yezeMpilo ye-Inthanethi
Inzuzo ephambili ye-co-ops ye-inshorensi yezempilo yinto yokuba, ekubeni imela amawaka amalungu, inamandla angcono okuxoxisana nababoneleli, ukugcina iindleko ezingaphantsi kwe-inshurensi yabucala (ngasese). Ukugcinwa okongeziweyo kubangelwa ukungabikho kwenzuzo kunye neendawo zabo ezingabhataleli.
I-Cons Cons Health Co-Ops
Enye into ebalulekileyo yokungabikho kwi-co-ops ye-inshorensi yezempilo yinto ephakamileyo, i-co-ops ayifuni ukulandela imimiselo efanayo kunye nezikhokelo ezifunekayo ngabanini-mshishino. Ukuba i-co-op iya kuphuma ngemali, ayibekho iindidi ezifanayo zokukhusela ezikhoyo ukuze kuqinisekiswe ukuba abo bathathe inxaxheba kwi-co-op baza kuba neemfuno zabo zonyango.
Ukuhlaziywa kwi-Co-ops yeeNtsholongwane zezeMpilo kunye neNgcaciso yeNkqubo yoLondolozo lwezeMpilo
I-inshorensi ye-inshorensi yezempilo inikwe igama elitsha ukuba lihambe kunye negama elithi "co-op".
I-CO-OP ngoku imela uMthengi oSebenzayo kunye noCwangciso oluCwangcisiweyo.
Umthetho omtsha unikezela ukudala "abanikezeli be-inshorensi yezempilo" abangenalo inzuzo "ukunika izicwangciso zempilo ezifanelekileyo kwiimarike zeqela kunye namancinci (Icandelo 1322).