Izinketho zakho Xa uMboneleli engayamkeli i-Inshurensi yakho
Xa lixesha lokufumana ugqirha, nokuba ufuna uncedo oluphambili okanye oyingcali, ukhetho lwakho lunqunywe ngabagqirha abazimisele ukusebenza kunye ne-inshorensi yezempilo. Omnye ugqirha angamkela umhlawuli wakho xa omnye engeke. Funda ngokubanzi malunga nendlela oku kunokuchaphazela ngayo ukhetho lwakho lwezempilo.
Njani iAshurensi Imisebenzi
Ukuqonda indlela i- inshurensi yezempilo eyosebenza ngayo iya kubonisa ukuba kutheni i-inshurensi yakho ingamkelekanga ngabo bonke ababonelela ngononophelo.
Unyaka ngamnye, oogqirha kunye namaziko okunakekelwa kwempilo afana nokuhlola ii-lab, izibhedlele, kunye nee-pharmisi bathetha intengo nge-insurers yezempilo kunye nabahlawuli. Ngendlela yayo elula, ihamba kanje:
Ugqirha: Xa isigulane sesifo sikashukela sivakashele iofisi yam, ndihlawula i-$ 100 ukutyelela, kunye ne-$ 75 yokusebenza kwegazi.
Umhlawuleli: Imali eninzi kakhulu. Siyakukuhlawula i-$ 55 yokutyelela kunye ne-$ 35 yokusebenza kwegazi.
Ugqirha: Andikwazi ukuhlawula umqeshwa wam okanye ukugcina izibane zam zivuliwe ngenxa yaloo mali. Kuthi malunga ne-$ 65 ukutyelelwa kunye ne-$ 45 yokusebenza kwegazi?
Umhlawuleli: Ukuqhuba.
Le ngxoxo iqhutyelwa kuyo yonke into enokwenzeka ukuba ugqirha uyenza, nayo yonke inkampani yomshuwalense, unyaka ngamnye.
Ezinye iinkampani ze-inshorensi zenqaba ukuhlawula abanye oogqirha imali abo oogqirha bakholelwa ukuba banelungelo lokuhlawulwa. Xa oko kwenzeka, ugqirha uyayeka ukumkela le fom ye-inshurensi njengembuyekezo.
Emva koko, xa ugqirha engasayi kwamkela ukuba ishedyuli yokubuyiselwa kwenkampani yomshuwalense, ngoko akasayi kwamkela izigulane ezisebenzisa i-inshorensi yomhlawuli-mali.
Isizathu sokuthi iAnsurance iyamkelwa okanye ayikho
Awunayo ilizwi nokuba ugqirha kufuneka, okanye akufanelekanga, wamkela inani lemali umhlawuli uzimisele ukuhlawula. Ngesinye sezizathu, i-US inenkqubo ye-intanethi yentlawulo yokunakekelwa kwezempilo. Isenzo ngasinye sesebenzi, isibhedlele, ibrabhu, okanye isikhungo sinelungelo lokuhlawulisa oko lifuna ukuhlawula, kwaye ngabaphi na abahlawuli abanqwenela ukusebenza nabo.
Nantsi enye indlela yokucinga ngayo. Masithi uye waya emsebenzini kwaye wenza umsebenzi wakho kakuhle. Xa kufika ixesha lokuba uhlawule umvuzo wakho, umqeshi wakho wakuxelele ukuba unqume ukuba iinkonzo zakho azizange zifaneleke oko ukulindele ukuba uhlawulwe, ngoko uya kuqala ukuhlawula ngaphantsi. Thatha okanye ushiye. Yiloo ndawo ugqirha abafakwa ngabahlawuli ngamnye ngonyaka.
Ukuba umhlawuli-mboleko abuyiselwa kwixabiso eliphakamileyo ugqirha ufuna ukuhlawulwa, kuya kubiza izigulane ezininzi kwiifom ze-premiums, ukuhlawula imali, ukuhlawula okuphezulu, kunye namaxesha athile, kwakhona.
Ungaqiniseka njani ukuba i-inshurensi yakho iya kuhlawula udokotela oyifunayo
Qaphela ukuba oogqirha bangashintsha izicwangciso. Okanye, i-insurers kunye nabahlawuli banokufaka okanye ukulahla oogqirha unyaka nonyaka. Nanini na xa wenza isigqibo okanye utshintshe izicwangciso ze-inshorensi, kukusoloko kulungile ukuphinda uqaphele ukuba uya kukwazi ukubona oogqirha obabonayo.
- Ukuba oogqirha ofuna ukuwabaluleke kakhulu kuwe kunokuba kubiza ukuba bawavelele, qhagamshelana neofisi zabo uze ucele ukuba ngubani ohlawula i-inshorensi aya kwamkela ukubuyisela. Emva koko ukhethe phakathi kwezicwangciso abazithandayo. Kungenzeka ukuba bayamkela izicwangciso ezithile ezivela kwi-insurer, kwaye kungekhona zonke, ngoko qi niqiniseke ukuba bacele ukuba bahlule iiplani ezithile abazivumayo.
- Ukuba ulinganiselwe kuphela kumabhaki okanye ezinye izicwangciso, jonga ngezo zicwangciso ukuba ubone oogqirha abakwizintlu zabo zabanikezeli. Olu lwazi lufumaneka rhoqo kwiiwebhsayithi zabahlawuli, okanye unako ukubiza umnxeba wamanani eenkonzo zeenkonzo zabathengi ukuba bacele.
Yintoni Ongayenza Ukuba Ufuna Ukubona Udokotela Oyingcali Ayingavaliwe
Unokukhetha ukuba ugqirha wakho akayi kwamkela i-inshorensi yakho.
- Bhatala imali ngokutyelela. Qiniseka ukuba wenze ilungiselelo ngaphambi kwexesha, nangona kunjalo. Akunabo bonke oogqirha baya kwamkela iintlawulo zemali.
- Fumana ugqirha oqhuba i- concierge okanye i-boutique practice . La oogqirha abamkeli i-inshorensi kwiimeko ezininzi. Ekubeni uhlawula imali ngemali, i-inshorensi ayifanele ibe ingqalelo.
- Bona ugqirha ongaphandle kwintlalo nangona uya kufuneka akhokhe ngaphezulu ukuze ambone. Qaphela nje ukuba ulandele ukuhlawula kwaye qi niqiniseke ukuba awukhatyali imali ekhokhelwe ngaphaya kwezinto ezifunekayo.