Indlela yokufikelela kwiFayile yeNkcukacha Yonyango ukuze uhlaziywe
Abaninzi abathengi bayazi kakuhle i-arhente yokubika ngetyala. Baqhubeka nokulandelela indlela esiyihlawula ngayo kakuhle iibhilikhwe zethu kunye nokulawula i-credit yethu ukuze abo banini-mboleko banokugqiba ukuba ngababoleka imali esiyidingayo kwimali yokubolekwa kwemali, iimali-mboleko zemoto, amakhadi enkoleko kunye nezinye izixhobo zemboleko.
Kodwa abaninzi abagulane-abagulane bayamangaliswa ukuba bafunde ukuba kukho i-agency efana nengxelo yezempilo, i-Medical Information Bureau (MIB).
Ekuqaleni kusekwe ngo-1902, inika iinkcukacha zolwazi malunga neenkampani ze-inshorensi zempilo kunye ne-inshorensi ye-500 eNtshona Melika efuna impilo, ikhredithi kunye nolunye ulwazi malunga nalabo bathengi-abagulayo abacela ukuba baqiniseke.
Injongo emva kwe-MIB kukubonelela ngolwazi lwemvelaphi kumalungu eenkampani zomshuwalense ukwenzela ukuba bakwazi ukufumana abo baza kwamkela i-inshurensi, okanye ngubani na oya kumkhanyela. Ngokombiko we-MIB, baqokelela ulwazi ngama-15 ukuya kuma-20 eepesenti yabantu abaye bafaka isicelo sempilo nganye okanye i-inshorensi yempilo.
I-MIB ithi iinjongo zayo "njengokubona nokukhusela ubuqhetseba obuya kwenzeka ekufundeni ubomi, impilo, ukukhubazeka kwengeniso, ugula olubi, kunye ne-inshorensi yokunyamekela kwexesha elide." Ezi mali, iimali ze-MIB, zinceda ukunciphisa ama-premium kumthengi-abathenga abathengi.
Kucingwa ngurhulumente ukuba abe yintengiso ye-arhente, iinkonzo zayo kufuneka zihambelane noMthetho we-Fair Fair Reporting Act we-US kunye noMthetho oPhathelene nokuThengiswa kweTyala kunye neNgcaciso.
Kubathengi-izigulane, oku kuthetha ukuba kufuneka ilandele imithetho efanayo yokudalula njengoko i-arhente yokubika ngetyala eyaziwayo. Oko kuthetha ukuba unako ukufumana ikopi yazo nayiphi na ingxelo ebenayo kuwe, kwaye kukho inkqubo yokuphambanisa iimpazamo.
Ngolwazi olunjani oluqokelelwa yiMIB?
- Ulwazi lweNgxowa
- Iimeko zonyango
- Uvavanyo lwezonyango kunye neziphumo
- Imikhwa efana nokutshaya, ukutya ngokutya, ukugembula, iziyobisi
- Iingcaphephe ezinobungozi kunye nezinto zokuzilibazisa
- Iingxelo zeemoto (imbali embi yokuqhuba imoto kunye neengozi)
Ulwazi oluqokelelwa yi-MIB luhlala kwifayile iminyaka eyisixhenxe. Ukuba nayiphi na amalungu ayo acele ifayile yakho kwiinyanga ezili-12 ezidlulileyo, ezo ziza kubalwa kunye neirekhodi zakho.
Kutheni amalungu e-MIB adinga le ngcaciso?
Isizathu sokuba olu qoqo luqokelelwe lukunceda ngokukodwa iinkampani zalo malungu ukuba zenze izigqibo malunga nokuba ngubani oza kuhlala ubomi obude kunye nobomi.
Ubomi, ukukhubazeka, i-inshorensi yokunyamekela kwexesha elide, kunye nezinye iinkampani ezinxulumene nempilo zinomdla kuphela ekuqinisekiseni abantu abaya kukhupha isidingo senkampani yokuzihlawula. Inomdla wabo kukukwenza imali, ngoko ke bafuna ukuqinisekisa kuphela abo bantu baya kuhlawula iipriyamu ezingaphezu kwexesha elide ekugqibeleni zizakongeza ngaphezu kwekampani yomshuwalense kufuneka ihlawule egameni labo.
Ulwazi oluqokelelwa yi-MIB lunceda iinkampani zomshuwalense ukuba zenze isigqibo sokuba ngabafaki zicelo baza kuphila ixesha elide ukwenzela ukuba bancede inkampani ibe nenzuzo yayo.
Ngubani onokufikelela kwi-MIB Ulwazi oluqokelelwayo?
- Abasebenzi bamalungu abo banokufikelela ulwazi lwakho lomntu siqu ukubanceda ekwenzeni izigqibo ezibhalwe phantsi. Ukuze ufumane ufikelelo, kufuneka bafumane ifayinitsha yakho.
- Unako ukufikelela kwingxelo yakho ye-MIB kanye ngonyaka ungekho indleko kuwe. Kumele ubize i-MIB kwi (866) 692-6901 (i-TTY (866) 346-3642 yokungahambi kakuhle.
- I-MIB ithi ngokucacileyo ukuba "Abaqeshi, abathengisi, nabangewona amalungu abanakho ukufikelela kwiifayile zeMIB."
Kutheni oku Kubalulekile kwizigulane?
Njengamanye amarekhodi ezonyango , izigulane kufuneka ziqaphele ukuba le ntlangano ikhona ukuchaphazela amandla abo okufumana i-inshurensi abafuna ukuyenza.
Ukuba ucinga ukuba uya kuthenga nayiphi na indlela yobomi, ukukhubazeka, ixesha elide okanye enye i-inshurensi enxulumene nempilo kwiminyaka embalwa ezayo, cwangcisa ukufumana nayiphi na iirekhodi ze-MIB okwangoku kwifayile ukuze uhlaziye ngokuchanekileyo.