Ukunyuka kwe-inshorensi yempilo kwenzeka xa inkampani yakho yomshuwalense yempilo enqaba ukuhlawula into ethile.
Eyaziwa nangokuthi uyayiphika ibango, umgcini wakho womshuwalense unako ukungafuni ukuhlawula unyango, uvavanyo, okanye inkqubo emva kokuba wenze oko okanye xa ufuna ukugunyazwa kwangaphambili ngaphambi kokufumana inkonzo yonakekelo lwempilo.
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Kukho ngokwenene izizathu zokuba isicwangciso sempilo singakhanyela inkokhelo kwinkonzo yezempilo.
Ezinye izizathu zilula kwaye kulula ukuzilungisa, ezinye zilukhuni ngakumbi ukulungisa.
Izizathu eziqhelekileyo zokunyuswa kwe-inshorensi yezempilo ziquka:
- Uxube lwephepha. Ngokomzekelo, iofisi yakho ugqirha ithumele ibango likaJohn Q. Uluntu, kodwa umgcini wakho womshuwalense uye wabhala njengoJohn O.
- Umshuwalense ukholelwa ukuba inkonzo eceliwe ayiyimfuneko yempilo . Kukho izizathu ezibini zezi zinto:
- Akunakudingi ngokwenkonzo eceliwe.
- Uyakudinga inkonzo, kodwa awuqinisekisile yakho inshurensi yempilo yaloo nto. Mhlawumbi kufuneka ufumane inkcazelo engakumbi malunga nokuba ufuna ntoni inkonzo eceliwe.
- Umshuwalense ufuna ukuba uzame ezahlukeneyo, ngokuqhelekileyo ezibizayo, ukhetho lokuqala. Kule meko, amaninzi iinkonzo eziceliwe ziya kuvunywa xa uzama ukhetho olungaphantsi kokuqala kwaye alusebenzi.
- Inkonzo eceliwe ayiyiyo inzuzo. Oku kuqhelekileyo kwizinto ezifana nokuhlinzwa okwezonyango okanye unyango olungavunywanga yi-FDA.
- Isicwangciso sakho sezempilo asiyi kuvuma inkonzo xa kunikezelwa ngumniki-nkonzo othile kodwa uya kuvuma inkonzo xa usebenzisa umboneleli ohlukile. Kule meko, inkonzo ingavunyelwa ukuba ukhetha umboneleli wezempilo ohlukile. Ngenye indlela, ungazama ukukholisa inkampani yomshuwalense ukuba umnikezeli wakho okhethiweyo nguye kuphela onikezelayo ukubonelela ngenkonzo.
- Ulwazi olunganeleyo olunikwe ibango okanye isicelo sokuqala sokugunyazwa. Ngokomzekelo, ucele i-MRI yonyawo lwakho, kodwa iofisi yakho ugqirha ayizange ithumele naluphi na ulwazi malunga nokokungahambi ngonyawo lwakho.
- Awuzange ulandele imigaqo. Masithi isicwangciso sakho sempilo sifuna ukuba ufumane imvume phambi kovavanyo oluthile olungxamisekileyo. Unokuvavanywa ngaphandle kokufumana isigunyaziso sangaphambili kwi-insurer yakho. Umshwalense wakho unelungelo lokukhanyela intlawulo kuloo vavanyo, nokuba ngaba uyayifuna ngokwenene kuba awuzange ulandele imithetho yezempilo.
Yintoni ongayenza malunga nokulahlwa
Ingaba isicwangciso sakho sempilo siyayiphika ibango kwinkonzo oye wayifumana okanye iphikisana nesicelo sokugunyazwa kwangaphambili, ukukhanyela kukuphazamiseka. Ukuba ufumana ukukhanyela ukugunyazwa kwangaphambili, unokucinga ukuba unqatshelwe ukufumana unyango, uvavanyo okanye inkqubo. Cinga kwakhona.
Ukukhanyela akuthethi ukuba awuvumelekanga ukuba ube neenkonzo zonyango. Kunoko, ithetha nje ukuba umshwalense wakho akayi kulihlawula. Ukuba uzimisele ukuhlawula ngokwakho, ngaphandle kwe-pocket, mhlawumbi uya kuba nenkonzo yonakekelo yezempilo ngaphandle kokulibaziseka kwakhona.
Ukuba awukwazi ukuhlawulela ukuhlawula i-pocket , okanye ukuba awufuni, ungafuna ukubheka imbangela yokukhanyela ukubona ukuba ungayifumana.
Le nqubo ibizwa ngokuba kubika ukukhanyela.
Zonke izicwangciso zezempilo zineenkqubo ezenzelwe ukukhanyela. Le nkqubo iya kuboniswa kwingcaciso oyifumanayo xa ukwaziswa ukuba ibango lakho okanye isicelo sakho sokugunyazwa kwangaphambili sigunyaziwe. Landela inkqubo yakho yezibheno zezempilo ngokucokisekileyo. Gcina iirekhodi ezilungileyo zinyathelo ngalinye ozithathileyo, xa uthabathe, kwaye ngubani na uthetha naye ukuba wenza izinto kwifowuni.
Ukuba awukwazi ukulungisa umba ngokusebenza ngaphakathi ngaphakathi kwisicwangciso sakho sezempilo, unokucela ukuhlolwa kwangaphandle kokukhanyela. Oku kuthetha i-arhente karhulumente okanye elinye iqela elingathathi hlangothi liza kuhlaziya ibango lakho lokukhanyela.