Gcina Imali kwi-Intshurensi yezeMpilo ukuze uncede ukulinganisela iBhajethi yakho!
Iindleko zemali yokunakekelwa kwezempilo zingabizi, kwaye zanda minyaka yonke kwaye abantu abaninzi abazi ngeendlela ezikhoyo zokulondoloza imali xa kuziwa kwimpilo yabo.
Umqondiso osayinwe nguMongameli Obama ngo-Matshi 23, 2010 uthetha kakhulu ukungena kwi-inshorensi yempilo kwaye uqinisekisa ukuba bonke abantu baseMerika abafuna ukukhuselwa baya kukwazi ukufumana i-inshorensi yempilo.
Kukho izinto onokuzenza ngoku ukukunciphisa iindleko ze-inshorensi yezempilo, okanye ubuncinci ukuncedisa ezo ndleko ukunyuka.
Ingaba ufumana i-inshorensi yempilo kumqeshi wakho okanye uthenge i-inshurensi yakho, mhlawumbi ukhokhela imali ephezulu kwi- premium yomshuwalense wezempilo . Iimali-mali ze-inshorensi zempilo ziye zakhula minyaka yonke kwaye abaqeshi abaninzi bacela abasebenzi babo ukuba bakhokhe ipesenti ezikhulayo ze-premium yabo yezempilo njengokwehlulwa kwi-paycheck yabo. Unokufumana ezi zinto zilandelayo zicebisa:
Ukwandisa i-Out-of-Pocket Your Expenses
Uninzi lweenkampani ze-inshorensi zinokukhetha izicwangciso zempilo ezikuvumela ukuba ukhethe phakathi kwemigaqo-nkqubo ye-inshorensi yempilo ephantsi kweeprimimenti zenyanga zenyanga xa uvuma ukuhlawula iindleko ezingaphezulu kwe-pocket, ezifana ne- deductible yonyaka kunye neepayili yeenkonzo kunye neyeza. Ukuba unempilweni kwaye ungalindelanga nayiphi na (okanye ixabiso elincinci) lenkcitho yezokwelapha kunyaka ozayo, ukhetha isicwangciso ngeendleko ezinkulu ezingaphandle kweefowuni kunokuziqonda.
Ngakumbi .
Thenga i-Inshurensi yempilo yabucala
Kwabanye abathengi, ukuthenga i-inshorensi yempilo yinkqubo yokufumana impilo kuphela. Nangona kunjalo, nangona unomshuwalense wezempilo ukusuka kumqeshi wakho, i-inshurensi yabucala ingaba yindlela yokugcina imali. Ngama-inshorensi yempilo ekhulayo kunyaka ngamnye kunye nabaqeshi abadlula ngaphezulu iindleko kubaqeshwa babo, i-inshorensi yezempilo yenkampani yakho ayinakuba yinto engcono kakhulu.
Ukuphonononga Imenyu Yomshuwalense Wezempilo Yomqeshi ngamnye Unyaka
Ukuba wena kunye neqabane lakho / iqabane lakho nonke lifanelekile kwiinkonzo zezempilo zempilo, khangela iinkqubo ze-inshorensi yonyango nganye ukuze ubone oko kukuhlawula khona. Abaqeshi bahluke kakhulu kwixabiso lemirhumo ye-premium eyenzayo, kwaye unokukwazi ukugcina imali ngokutshintshela kwintsapho yomlingane wakho. Ngakumbi .
Ukukhishwa kwe-Off - Qaphela nge-COBRA (uMthetho wokuQiniswa koHlahlo lwabiwo-mali lwe-Omnibus)
Ukuba uye waqeshwa emsebenzini wakho kwaye umqeshi wakho wangaphambili unabasebenzi abangama-20 okanye ngaphezulu, inkampani iyafuneka ngumthetho wesigqeba ka-1986 (obizwa ngokuba ngu-COBRA) ukukunika ithuba lokuhlawula ukwandiswa kwe-inshorensi yakho yezempilo. ubuncinane kwiinyanga ezili-18.
Ukuba ubhalisela i- COBRA , uya kuqhubeka ne-inshorensi yempilo efanayo kunye neenjongo zezempilo ezifanayo obenayo ngenkcitho. Nangona kunjalo, kufuneka uhlawule i-premium yomshuwalense wezempilo apho umqeshi wakho wangaphambili wayekuhlawula imali kunye ne-2% yemali yokulawula.
I-COBRA inokubiza kakhulu. Ukuba ufumana i-coverage yakho, kufuneka uhlawule u-$ 400 ngenyanga. Kwaye inkonzo yentsapho ingaba ngaphezu kwe-R100 ngenyanga, eyininzi yemali kwaye ingaba ngaphezu kokulindeleke ukuba uyihlawule, ingakumbi ukuba ulahlekelwe yimali engenayo kwaye uqokelela i-inshurensi yengqesho.
Ukuba wena kunye namanye amalungu entsapho yakho enempilweni, unokukwazi ukufumana isicwangciso sempilo esicatshulwayo esincinci esingaphantsi kweCOBRA. Unemihla engama-60 ukuze wenze isigqibo malunga neCOBRA emva kokucinywa, ngoko uye kwi-intanethi okanye wenze i-aphoyintimenti nomthengisi wakho we-inshurensi ukuze ufunde malunga neenketho zakho. Funda kabanzi malunga neenkokhelo zempilo yomshuwalense xa ususwe.
Fumana impilo kwaye uhlale uphilile
Ukuqala indlela yokuphila enempilo, kuquka ukuyeka ukutshaya, ukumbathisa amabhande esiphelo xa uqhuba, usebenzise umzimba, kwaye ugcine umlinganiselo onobuchopho kunokunciphisa iindleko zezempilo. Ngokuthakazelisayo, kunokuncedisa ukunciphisa iiprimiyamu ze-inshorensi zempilo.
Abaninzi abaqeshi banikezela izibonelelo zemali kubaqeshwa babo ukuba bahlale bephilile. Ngokuthatha inxaxheba kwiprogram yezempilo yakho, awukwazi nje ukugcina imali kwisabelo sakho seendleko ze-premium, kodwa unokuphucula umgangatho wakho.
Ngokomzekelo, iSowayway, iqela leyesithathu elona likhulu lesitrato lithengisa inkqubo yokuzikhethela ngezempilo ngokuzithandela ngo-2005 yaye kwangoku ama-74% wabasebenzi bathatha inxaxheba. Abaqeshwa abathatha inxaxheba ngokugcwele kwinkqubo banokubona imali yokugcina imali yonyaka we-premium ukuya kwi-780 yee-Indidi kunye ne-$ 1560 kwintsapho.
Hlola kunye neSebe lomsebenzi wakho lomntu ukuze ubone ukuba inkampani yakho inikeza inkqubo yokuphila kakuhle ngokukhuthaza impilo yokuphila. Ukuba inkampani yakho ayinikezeli loo nkqubo okanye ukuba usebenza ngokuzimeleyo, okanye ungasebenziyo, phuma uze uthathe uhambo kwaye ube nesaladi ngesidlo sasemini endaweni yokutya okukhawulezayo!