Kutheni Unokuthi Uhlawulwe Nangona Emva kokudibana neNyango yakho yeMpilo eDeductible
I-Coinsurance yimalente yepesenti isigulane kufuneka sihlawule kwi-bill ye-inshorensi yezempilo xa ifake i-inshurensi yezempilo.
Yintoni yoQinisekiso?
Abanye ababonelela nge- inshorensi yempilo kufuna ukuba isigulane sihlawule ipesenti yeendleko zeenkonzo ezinxulumene nempilo emva kokuhlawulelwa kwonyaka . Oku kuqinisekiswa. I-Coinsurance idla ngokumalunga ne-20% ukuya kwi-30% yecwangciso sezempilo.
Isicwangciso sezempilo siya kuhlawula i-70% ukuya kuma-80%. Ipesenti ye-coinsurance isetyenziswe ngokukongeza kwi-deductible, efuna ukuhlawulwa ngaphambi kokuba inkampani yinshurensi ikhokhe nayiphi na into ekupheleni kwayo. Emva kokuba i-deductible ihlawulwa ngokupheleleyo uya kuba neendleko zokunyamekela kwakho ngesicwangciso sakho sezempilo ngokuhlawula i-coinsurance.
Nasi umzekelo wendlela u-coinsurance osebenza ngayo:
UMnu Jones unesicwangciso sezempilo seentsapho kunye ne-$ 500 echithwe ngonyaka kunye ne-20% ye-coinsurance. NgoFebhuwari, umfazi kunye nabantwana babini bafumana ukuhlolwa kwonyango lwabo lwentsapho. UMnu Jones wahlawula ugqirha kule nkonzo, ebiza i-$ 510. Ngo-Matshi, omnye wabantwana wagula kwaye indleko yokutyelela i-ofisi yayingama-$ 50. Ekubeni i-deductible yaminyaka yonke idibeneyo, isicwangciso sempilo sikhokhela ugqirha i-$ 40 (80%) kwaye uMnu Jones wahlawula ugqirha nge-10 (20%).
I-Out-of-Pocket Maximum
I-Coinsurance isetyenziswe kwisigxina seminyaka esingaphandle kwesikhwama .
I-exit-out-of-pocket esiphezulu yonyaka iphezulu okanye inani elipheleleyo lilonke inkampani yomshuwalense yempilo idinga isigulane ukuba ihlawule ngokwazo kwiindleko ezipheleleyo zonyango lwabo lwempilo .
Emva kokuncitshiswa kwezigulana, iikhowyithi , kunye ne-coinsurance ehlawulwa kunyaka othile, idibanisa ukuya kwi-out-of-pocket ephezulu, iimfuno zokwabelana ngeendleko zigqitywe kulo nyaka.
Ukulandela ukuzaliseka kwe-out-of-pocket ephezulu, isicwangciso sezempilo sele sithatha zonke iindleko zokunakekelwa kwenethiwekhi kwintsalela yonyaka.
Ukubala i-Insurance Insurance yakho
Ukuhlaziywa kunye neefayili yimivuzo echanekileyo yemali. Ngaloo ndlela, akunzima kakhulu ukufumanisa ukuba zininzi kangakanani. Ikhophi ye-$ 50 yomrhumo uya kubiza i-$ 50 kungakhathaliseki ukuba iyonke. Ukubala i-inshorensi yempilo yomshuwalense ihlukile, kwaye kunzima kakhulu, njengoko i-coinsurance yipesenti yeendleko zesevisi, kunokuba ixabiso lemali. Ngaloo ndlela, i-coinsurance iya kuhluke ngamnye kwinkonzo nganye efunyenweyo. Ukuba inkonzo yeenkonzo zokunakekelwa kwempilo yinkonzo engancinci, ngoko u-coinsurance iya kuba yinto ephantsi. Nangona kunjalo, ukuba inkonzo yeenkonzo zokunakekelwa kwempilo yayiyindleko, i-coinsurance iya kugcina ixabisa ngokunjalo.
Funda indlela yokubala i-insurance insurance yakho .