Ukuhlawulwa ngamnye ngumonde
Ukubethelwa kubhekiselelwe kwifom yenkqubo yokuhlawulwa kwezempilo . Kwimodeli yokunyanzelisa, umboneleli wezempilo okanye isibhedlele ngasinye sihlawulwa ngumshuwalense (okanye omnye umhlawuleli) isixa esicwangcisiweyo isigulane ngexesha lokunikezelwa kwexesha. Igama elithi capitation livela kwisiLatini igama lentloko, caput . Inkcazo yenkcazo kukuba inkokheli yesithathi ithathwa kwaye inkokhelo isekelwe kuloo nani ngaphandle kokuqwalasela ukusetyenziswa kweenkonzo zonyango.
Inkqubo yokuThuthukiswa koMzekelo
Umzekelo wemodeli yokuthutha iya kuba ngumshwalense okanye umhlawuli oza kuthethwa ukuhlawula ugqirha $ 500 ngonyaka ngomntu ngamnye kwiqela. Kubantu abayi-1 000, umgcini-mali uya kuhlawula ugqirha i-$ 500,000 kwaye ugqirha uyakukulindela ukubonelela zonke iinkonzo eziyimfuneko kubantu aba-1 000 abahlukeneyo.
Ukuba umntu omnye (isigulane) wayesebenzisa ii-2 000 zeenkonzo zonyango ezixabisekileyo, ngoko ugqirha uya kugqiba ukulahlekelwa i-$ 1,500 kweso sigulane. Ngakolunye uhlangothi, ukuba esinye isigulane sisetyenzisiwe kuphela ngeenkonzo ezili-10 zeenkonzo zonyango, ke ugqirha uza kwenza inzuzo ye-$ 490 kuloo siguli. Enyanisweni, kwinkqubo enjalo, injongo ephambili ugqirha kukugcina ubuninzi benkokhelo ekhoyo.
Ukwahlukelela kwinkqubo yokuhluthwa kuya kuba yinkqubo yokunakekelwa kwempilo apho umniki-ntlawulo ehlawulwa intlawulo nganye kwinkonzo. Ukuba isiguli sasidinga i- CT scan , i-insurer yayiza kuhlawula i-CT scan, engenakubakho nantoni na ezinye iinkonzo okanye iintlawulo ezifunekayo.
Iinzuzo zeNkqubo yoLondolozo
Inzuzo eyintloko yenkqubo yokuhlawula i-capitation kumgqirha okanye umshishina-mali iyancipha iindleko zokugcinwa kweencwadi . Ugqirha akayi kuhlawula abasebenzi abakhulu bebasebenzi bentlawulo, kwaye akafanele alinde ukuba abuyiselwe nayiphi na inkonzo. Iindleko zangona ugqirha zokunyamekela izigulane zakhe zingancipha.
Inzuzo kumgcini-mboleko okanye umhlawuli kukuba inkqubo iyancipha inzuzo yokubonelela ngononophelo kunokuba kuyimfuneko. Oku kunciphisa oko kufuneka bahlawule umboneleli, kunye nokunciphisa iindleko zabo zokuphendula.
Enye inzuzo kukuba isiguli asinakunikwa ukunakekelwa okungadingekile okungeke kwenzeke ukuba kuphuculwe impilo okanye imeko yabo kodwa beyonyusa iindleko zabo zokunakekelwa kwempilo ukuba kufuneka bahlawule umvuzo . Ukukhathalela okungakumbi akusoloko kunonophelo olungcono.
Iimpawu zoLondolozo lweNkqubo
Ingozi kukuba ugqirha uqala ukwenza izigqibo malunga nokuba uya kuthatha uncedo okanye akayi kubonelela ngokuba uya kwenza imali ngokubonelela ngononophelo oluncinane, uhlobo lokuncediswa kwezempilo . Ukunyamekela ukuba ugqirha unikezela isigulane, i-bill ye-patient care bill iya kuba enkulu. Nangona kunjalo, ugqirha uyahlawulwa ngokubanzi, kungakhathaliseki ukuba unomsebenzi omncinane okanye omncinci akwenzayo kwisigulane. Ngaloo ndlela, le nkqubo iquka ukukhuthazwa kwenzelwe ugqirha ukubona izigulane ezininzi kangangoko kunokwenzeka, kunokuba ugxininise ngakumbi umguli.