Kunezici eziningana ezingashintsha umphumela wesinqumo sakho. Kubalulekile ukuthola uhlelo olusebenza kahle kuwe.
Cabanga ngemingcele yokukhetha kanye nezinketho
Into yokuqala yokucabangela ukuthi uhlelo olulodwa luzokhokhela kanjani ukukhokhela izindleko zakho. Uhlelo oluhle ngeke lube nenzuzo yokuphila okuphelele. Uma kukhona okufana nomdlavuza okwakungenzeka kuwe, ungamangala ukuthi uzofinyelela ngokushesha kangakanani lowo mkhawulo. Uma ungenayo inketho yokungabi nzuzo enkulu yokuphila okuphelele, kufanele ukhethe okuphezulu okutholakala kunayo yonke kanye nonyaka ophezulu ongakwazi ukuwukhokhela.
Bheka Izindleko Zakho Ezingaphandle Kwama-Pocket
Kumele ubuke ukuthi unyaka owakho unyaka ngamunye, futhi. Lona inani okufanele ukhokhe ngalo ephaketheni ngaphambi kokuba umshuwalense wakho aqale ukukhokhela ingxenye yezindleko. Amanye amapulani omshuwalense akhokhele imali ekhishiwe ngaphambi kokuba ahambele ukuvakasha kwehhovisi. Ezinye izinhlelo zomshuwalense zidinga ukukhokhelwa ngokuhlanganyela ekuvakasheni ihhovisi futhi ungalubali lelo nani ekudonseni.
Udinga ukubheka ukuthi izinkokhelo zakho zomshuwalense kanye nobunikazi bomshwalense zingakanani. Inkokhelo yakho yokukhokha yikho okumele uyikhokhele ukuya kudokotela, ochwepheshe noma ekamelweni eliphuthumayo. Ukubambisana kwakho kungukuthi umthamo ngamunye unomthwalo wemfanelo emva kokuba umshuwalense akhokhe ingxenye yayo. I-coinsurance ejwayelekile kunazo zonke i-80/20.
Umshuwalense uzokhokha amaphesenti angamashumi ayisishiyagalombili wezindleko, futhi uzokhokha amaphesenti angu-20 ezindleko.
Okulandelayo, cabangela ama-maximum ngaphandle kwe-pocket ukuthi uhlelo ngalunye lufakwe ohlwini. Uma usufinyelele kulomkhawulo umshuwalense wakho uyohlanganisa konke okunye (ngaphandle kokukhokha okubambisene nabo). Uma unesiphakamiso sempilo yomshuwalense we-deductible high, izindleko zakho eziphezulu ezingaphandle kwe-pocket kufanele zifane ne-deductible yakho. Kunezinhlelo ze-hybrid ezine-deductible ephezulu eziqhubeka nokudinga ukukhokhelwa ngokubambisana ngemuva kokuthi uhlangabezane ne-deductible. Lawa ma-akhawunti ngeke afanelekele ama-akhawunti wokulondoloza impilo.
- Cabanga nge-deductible yakho, izinkokhelo zokubambisana, kanye nomshwalense we-co-ins
- Bheka imingcele ekukhoneni
- Qhathanisa ngaphandle kwe-pocket esiphezulu
Yonke inani lezindleko zakho eziphezulu
Okokugcina, wengeze ukuthi uzophelela kangakanani ukukhokha kusuka ohlelweni ngalunye uma kwenzeka okubi kakhulu kuwe. Qinisekisa ukungeza izindleko zomshuwalense kuwe ohlelweni ngalunye. Uma unempilo engafanele, uzofuna ukukhetha uhlelo oluzokukhokhela imali encane ephaketheni yonyaka wonke. Uma unempilo enhle kakhulu, ungakhetha ukuhamba nohlelo ngama-premium aphansi kakhulu noma unganquma ukuhamba ngenketho eliphakathi.
- Inqubomgomo engcono kakhulu ingase ingabi inqubomgomo engabizi kakhulu kuye ngokuthi isimo sakho siyini
- Funa izindlela ongagcina uma unomshwalense wakho wezempilo
- Ungakhohlwa ukufaka izinhlelo ezihlinzekwa ngumqashi wakho ekusesheni kwakho.
Ungabhale phansi Izinketho ze-Insured High Deductible
Abaqashi abaningi baqala ukunikeza umshuwalense okhishiwe ophezulu. Lo mshwalense unemali ephansi, kodwa unesibopho sokukhokha konke uze uhlangabezane ne-deductible yakho. I-deductible ivela ku-$ 1000.00 kuya ku-$ 5000.00 ngomndeni ngomnyaka. Uma kunjalo, kufanele ubeke eceleni imali eyanele yokumboza imali edonswa minyaka yonke. Zama ukugwema ukusebenzisa isabelo sempilo esizwakala njengomshuwalense wezempilo kodwa isebenza ngendlela ehlukile futhi angeke ikunikeze inani elifanayo lokufaka. Kumele futhi ugweme amapulani ama-hybride ane-high deductible ngaphambi kokuqala kokuqala, kodwa-ke uye waqhubeka ukhokhela i-co-inshurensi kanye nokukhokha okunye.
Kungagcina kukukhokhela okungaphezu kokunye okunye okukhethwa kukho.
Yenza Iningi Lomshwalense Wezempilo Wakho
Uma usuthole uhlelo oluhle, kubalulekile ukusebenzisa okuningi inqubomgomo yakho. Funda incwajana enzuzo. Qinisekisa ukuthi uqonda amazinga ahlukene ahlawuliswa ngamasevisi ahlukene. Isibonelo, i-x ray ingase ifakwe ekunakekelweni okuphuthumayo njengengxenye yokuvakasha, kodwa ingeke ihlanganiswe ngokugcwele uma udokotela wakho eyala enye futhi kufanele uvakashele ibanga elihlukile ukuthola i-x ray. Shayela inkampani yakho yomshuwalense futhi uqinisekise ukubika ngaphambi kwanoma iyiphi inqubo yezokwelapha. Vakashela udokotela wakho bese uzama ukunciphisa ukunakekelwa okuphuthumayo kanye nokuvakashelwa ekamelweni lokuphuthumayo. Kubalulekile ukubuyekeza ngokucophelela izikweletu zezokwelapha ozithola futhi uphikisane nanoma yiziphi amaphutha ezenziwe. Inqubo ingathatha isikhathi, kodwa kubalulekile ukuqinisekisa ukuthi awukhokha okungaphezu kwalokho okudingekayo ngoba izimali zezokwelapha zinganezela ngokushesha.