Ukuguqulwa kweTort yowiso-mthetho ngokuqhelekileyo idluliselwa kwinqanaba likarhulumente elichaphazela imithetho engekho mthethweni yombuso. Ukuguqulwa kweTort ngokuqhelekileyo kubandakanya imithetho eyanciphisa, okanye i-cap, inani lemali izigulane ezingayifumana njengombhoso kwi-kliniki abaye baxoxela ngenxa yokungasebenzi. Ukongezelela, ukuguqulwa kokulungiswa komonakalo kwintlawulo yomonakalo wokugweba ijaji kunokuyalela ukuba ugqirha ahlawule.
Kwamanye amazwe, ukuguqulwa kokulungiswa komsebenzi kwanokubeka izithintelo ezinzulu kwizonyango zokunyanzelisa izidakamizwa ukuba zigwetshwe enkundleni, ngokuchasene nokuxothwa okanye ukulahla.
Izizathu zokuCapping
Ukuqokelela ezi xabiso zokuhlawula izikhwama ezingenakucala kukunceda ukugcina iindleko ze- inshurensi ezingekho phantsi kwezagulane kunye neekliniki ezifunekayo ukuba zenze i-inshorensi yokungasebenzi. (Xa inkampani ye-inshurensi yokungasebenzi ngonyango iqinisekiswe ukuba iya kuhlawula umvuzo ophantsi xa kuthengiswa okanye isigwebo, umgcini-mali awuyi kuhlawulisa njengephakamileyo ye-premium.) Le mivuzo yokunikezelwa kwamabhaso athile adala i-snowball effect oko kukuchaphazela ngokufanelekileyo imo yezokwelapha kwimeko ejongene nokulungiswa kwezinto ezimbi, okwenza kube yindawo ekhangayo ngakumbi yokusetyenziswa kweyeza.
Ngokususa umvuzo ogqithisileyo onokuyifumana kwi-suit enye, kwaye ukwenza kube nzima ngakumbi ukufumana ityala leyonyango enkundleni, urhulumente uxhaphaza "i-ambulensi chasers" kunye namagqwetha angalunganga ayenokuba ngaphantsi kokuziphatha, izenzo.
Ngesixa-mali, ukulungiswa komonakalo kunceda ekukhuliseni ezinye zezinto eziphambene nokuzikhukhumeza, okanye ukuba zilungele ukuba zilandelwe enkundleni.
Ngakolunye uhlangothi, ngelixa ukulungiswa komonakalo kulungelelanisa kwiiklinikhi kunye nababoneleli ngezempilo, abanye abantu banomuvo wokuthi ukulungiswa kokungalungi akukona okokuba kuthintela oogqirha abazenza iimpazamo ekuhlawuleni ngokupheleleyo iimpazamo zabo.
Kungakhathaliseki ukuba iziphi iingcamango zakho zingaguqukanga, akukho mbuzo ukuba ukhankanya oogqirha bekhwalithi kwilizwe, kwaye olo lungiso olulungeleleneyo lwenza ukuba kubekho ugqirha olusisigxina. Ngamaxesha amaninzi, oogqirha abasebenza ngokulungelelanisa-ukuhlaziya bathi bahlawula amashumi amawaka eerandi ngaphantsi kweeprayimari zonyaka zonyango ngaphandle kwamagqirha kwamanye amazwe. Nangona kunjalo, amagosa angamangalelwa ngamatyala angathanda ukuzenza kwimeko engazange iphumelele ukulungiswa kwemali, kuba iyakwazi ukufumana imali eninzi apho iindawo zokuhlala zingekho phantsi kwemali, ukuhlawula kunye nokuhlawulwa komonakalo kungenamkhawulo.