Impendulo ixhomekeke kwinkampani yakho yinshorensi yempilo kunye nokuhlinzwa kwakho
Iindaba ezidinga ukuhlinzwa ziyakwenza ukukhathazeka ngokukhawuleza: Ngaba ukusebenza kuya kusebenza? Ndiza kuba ndibuhlungu bunjani? Iza kuthatha ixesha elingakanani ukuphila?
Ukukhathazeka ngeendleko kunokulandela emva. Ukuba unomshuwalense wezempilo , uya kufuna ukwazi ukuba ungakanani utyando onokulindela ukuba icebo lakho lifihle.
Iindaba ezilungileyo kukuba iiplani ezininzi zibandakanya inxalenye enkulu yeendleko zokugonywa kwiinkqubo ezifunyanwe imfuneko yempilo- oko kukuthi, ukuhlinzwa ukugcina ubomi bakho, ukuphucula impilo yakho, okanye ukuguqula ukugula.
Oku kungenza i-gamut kwi-appendectomy ibe yintliziyo, kodwa ingaquka iinkqubo ezifana ne-rhinoplasty (umsebenzi wempumlo) ukuba kulungiswe ingxaki yokuphefumula.
Nangona utyando oluninzi lwe-cosmetic aluqulathwe yi-inshurensi, imisebenzi ethile ithathwa njengemfuneko yempilo xa iyenziwa ngokubambisana nokuphuculwa kwempilo. Umzekelo obalaseleyo ukufakelwa kwebele kusenziwa ngexesha okanye emva kokuhlinzwa kwengqondo yombele.
UmGaqo ojongene noNkampani
Isicwangciso ngasinye sezempilo sihlukile. Ukuze uzifundise kakuhle ngemigangatho yemali yokuhlinzwa kwakho, umsebenzi wesikolo owenziwe ekhaya udibene ezimbini:
- Buza udokotela wakho ogqithisileyo ukuba aphule into eyenziwa yinkqubo yakho ngokuqhelekileyo iindleko kwaye yintoni ukulungiselela, ukunakekelwa kunye nokubonelela kuya kufuneka.
- Funda isishwankathelo owamkelayo xa ubhalise kwisicwangciso sakho. Ngaphakathi kweli ncwadana, iinkampani ze-inshorensi zibala uluhlu kwaye zikhuphe iindleko zokunyamekela. Qhagamshelana nenkampani yakho yenkampani yomshuwalense ukuba unalo lwazi.
Ezinye izinto zongeza kwiNdleko
I-toll yemali yokuhlinzwa iqhubeka ngaphezu kweendleko zenkqubo nganye. Ezinye iindleko zingaquka:
- Iimvavanyo zangaphambi kokusebenza, ezifana nomsebenzi wegazi kunye ne-x-rays, enceda ugqirha wakho alungiselele utyando kunye / okanye uqinisekise ukufaneleka kwayo.
- Ukusetyenziswa kwegumbi lokusebenza okanye isilungiselelo sokuhlinzwa, eneeyure nganye okanye ngeendleko zenkqubo.
- Abagqirha be-Co-operators okanye abancedisayo (kuquka oogqirha kunye / okanye abahlengikazi) abancedisa kwigumbi lokusebenza.
- Igazi, i-plasma, okanye enye inkxaso ye-biological ungayidinga ukugcina imeko yakho izinzile.
- I-Anesthhesia , imithi yokwenza i-intravenous, kunye / okanye ugqirha (ii) ezifunekayo ukubonelela.
- Umrhumo wegqirha, oqhelekileyo ohlukileyo kwimali yokuhlinzwa okwenziweyo.
- Igumbi lokubuyisela okanye indawo apho unakekelwa kulolu hlobo lonyango olulandelayo.
- Isibhedlele sakho sokuhlala, ukuba ufuna unonophelo lwezonyango.
- Ukunyamekela ngononophelo lwengxowankulu okanye unyango onokuyidinga ngexesha lokubuyisela ekhaya.
Ngokuxhomekeke kwi-inshurensi yakho, nganye yezi zinto zinokuba namazinga ahlukeneyo okufikelela. Ku luncedo ukuziqonda ngokwento enokuthi ingabandakanywa. Ezinye iinkonzo ezinxulumene nophando (i-anesthesia kunye nokuhlala esibhedlele, umzekelo) banokuthi bafumaneke ngaphezu kwabanye (njengokhathalelo lwasekhaya).
Xa iBhili-mali ifika
Ngaloo lwazi, ukuqonda i-bill yakho yesibhedlele ingaba ngumngeni. Iifomati ziya kuhluka, kodwa ungalindela ukubona:
- Iindleko ezipheleleyo
- Iyonke intlawulo ye-inshurensi, ukuba isicwangciso sakho sihlaziye iindleko ngaphambi kokuba ufumane ibhilikhwe
- Iyonke yokulungiswa kwe-inshorensi-mali esaphungulwa sisibhedlele phantsi kwesivumelwano kunye ne-inshurensi
- Isixa esipheleleyo sesigulane, isaphulelo sokhetho esibhedlele singasasazela isigulane (khangela kwiofisi yezoshishino zesibhedlele)
- Ixabiso elipheleleyo elifanele ngenxa yesigulane