Ngaphandle kokuvunywa kwangaphambili, Umshurensi wakho angeke anikeze uMyinge
Ukuvunywa kwangaphambili kuyimfuneko yokuba ugqirha wakho ufumane imvume evela kumboneleli wakho wezempilo ngaphambi kokubonelela. Ngaphandle kwalokhu kuvunywa kwangaphambili, umniki-nkonzo wakho we-inshurensi yezempilo ayinakubonelela nge-coverage, okanye ukuhlawula, amayeza akho okanye ukusebenza, ukushiya ukufihla ezinye, okanye zonke, ngeendleko eziphuma ephaketheni.
Abanye abaqinisekisi bempilo bafuna ukuvunywa kwangaphambili, kwaziwa ngokuba yi-pre-certification, kwiintlobo ezithile zeenkonzo zonyango, ezifana nokuhlinzwa okanye ukutyelelwa esibhedlele .
Oku kuthetha ukuba wena okanye ugqirha wakho kufuneka uqhagamshelane ne-inshurensi yakho ukuze ufumane imvume phambi kokufumana unonophelo, okanye mhlawumbi umgcini-mali angayifuni. Azikho zonke iinkonzo eziza kufuna ukuvunywa kwangaphambili, kodwa ukuba ungathandabuzeki, kulungile ukuqhagamshelana nenkampani yakho yomshuwalense ngaphambi kokuba ufumane nayiphi na uhlobo lwempilo yononophelo.
Eyaziwayo Njenge: I- pre-certification. Ingcamango yokubhengezwa kwangaphambili iyafana kakhulu neyokuGunyazisa kwangaphambili.
Kukho izizathu ezininzi ukuba umniki-inshorensi yempilo uza kufuna ukuvunywa kwangaphambili.
1. Inkonzo okanye izilwanyana ozicelayo ziyimfuneko ngokwenene.
2. Inkonzo okanye iziyobisi zilandela iziphakamiso eziza kutsho kwiinkqubo zonyango ojongene nazo.
3. Isilwayo yinkqubo yokunyanga yonyango ekhoyo kwiimeko zakho. Ngokomzekelo, iDrug C (ixabiso elincinci) kunye neDrug E (ezibizayo) kokubili ukuphatha imeko yakho. Ukuba ugqirha wakho umisela i-Drug E, isicwangciso sakho sezempilo singafuna ukwazi ukuba kutheni i-Drug C ingasebenzi kakuhle. Ukuba ungabonisa ukuba iDrug E iyona ndlela ingcono, inokuthi igunyaziswe ngaphambili. Ukuba akukho zizathu zonyango ezenza ukuba i-Drug E ikhethwe kwi-Drug C ephantsi, isicwangciso sakho sezempilo singenalo ukugunyaza i-Drug E.
4. Inkonzo ayiyi kuphindiwe. Oku kuyinkxalabo xa iingcali ezininzi zibandakanyeka kwinkathalo yakho. Ngokomzekelo, ugqirha wakho wamaphaphu unokuyalela i- CT scan , engaqapheli ukuba, iiveki ezimbini ezimbalwa ezedlule, ube nesifuba sikaT. Kule meko, umshwalense wakho akayi kugunyaza ukukhangela kwesibini uze uqiniseke ukuba udokotela wakho wamaphaphu ubonile ukutshekisha kwakho unayo iiveki ezimbini ezidlulileyo kwaye ukholelwa ukuba ukukhangela okufunekayo kuyimfuneko.
5. Inkonzo eqhubekayo okanye ephindaphindiweyo inokunceda ngokwenene. Ngokomzekelo, ukuba unesipilisi sonyango kwiinyanga ezintathu kwaye ucela imvume yezinye iinyanga ezintathu, ingaba unyango ngokwenyama uncedo? Ukuba wenza inkqubela, inkqubela phambili, iinyanga ezongezelelweyo zingaphambi kokugunyazwa kwangaphambili. Ukuba awukwenzi naluphi na inkqubela phambili, okanye ukuba i-PT ngokwenene yenza ukuba uzive ungakumbi, isicwangciso sakho sezempilo asinakugunyaza nayiphi na iseshoni seP PT uze uthethe nodokotela wakho ukuba aqonde kakuhle ukuba kutheni ecinga ezinye iinyanga ezintathu PT izakunceda.