I-inshurensi yempilo yomshuwalense

I-Coinsurance kunye ne-Out of Pocket yakho yeeNkcitho zeeNtshumo zeMpilo

Coinsurance Inkcazo

I-Coinsurance yimalini yemali oya kuhlawula ngayo kwi-pocket yecandelo lezonyango okanye ukhuseleko lwezempilo emva kokuba uhlawule i-deductible kwisicwangciso sakho socwangciso lwempilo. I-Coinsurance ivame ukubonakaliswa njengexabiso lemali. Isigatshana se-coinsurance siya kubonisa ukuba yeyiphi ipesenti oza kuhlawula, kwaye yeyiphi ipesenti yenkampani yomshuwalense eya kuhlawula.

Ngokubambisana ne-inshorensi umxhamli we-inshorensi ukwabelana ngeendleko zeenkonzo zomshuwalense kunye nenkampani ye-inshorensi kwipesenti echazwe ngaphambili echazwe kwisiqendu se-coinsurance yomgaqo-nkqubo.

Uhlawula inxalenye yeendleko zeenkonzo ezikhuselekile kwaye inkampani yomshuwalense ihlawula enye inxalenye. I-Coinsurance yithuba eliqhelekileyo elifumaneka kwimigaqo-nkqubo ye- inshorensi yempilo .

Yintoni Ipesenti yeNgcaciso?

Xa umgaqo-nkqubo we-inshorensi uqulethe isigatya se-coinsurance iya kuboniswa njengepesenti.

Iipesenti zee-coinsurance eziqhelekileyo zi-30/70 okanye 20/80. Oku kuya kuthetha ukuba njengokuba uhlawulelwe uhlawula i-20% kwi-clause ye-coinsurance ye-20/80, okanye i-30% yeendleko kwi-30/70 ye-coinsurance clause.

Ikampani yomshuwalense ihlawula ininzi yeendleko kwipesenti ephezulu. Isabelo sakho se-coinsurance yipesenti ephantsi, ibonisa oko uhlawulayo. Ngokomzekelo, ama-80% kwi-20/80 kunye no-70% kwi-clause ye-coinsurance ye-30/70.

Umzekelo weNkqubo yoBuchule boBuchule beDeductible

Uninzi lwemigaqo-nkqubo ye- inshorensi yempilo inegatya le-coinsurance. Ipesenti ye-coinsurance isekelwe kwinqanaba leendleko emva kokuba i- deductible ihlawulwe okanye isuswe kwi-total.

Ukuba i-bill yakho yezokwelapha i-$ 1,500 kwaye unayo imali engama-dollar ayi-500, ngoko isabelo esiya kusebenza kuyo imali emva kokuba i-deductible. Ngoko i-coinsurance iya kusebenza kwi-$ 1,000 eyileyo.

Kwimigqaliselo ye-coinsurance ye-20%, uza kuqala ukuhlawula imali engama-dollar ayi-500, ke i-20% yee-$ 1,000 ezileleyo, eyi-$ 200.

Inkampani ye-inshurensi yayiza kuhlawula i-$ 800.

Iindleko zakho ezingaphandle kwee-pocket ziza kuba zizonke ezidibeneyo zecandelo lakho leqendu le-coinsurance yesahlulo kunye ne-deductible yakho eyi-$ 700, inkampani yomshuwalense ihlawula i-$ 800.

Umzekelo woNcedo lwezoNyango ohlawulwa ngeCandelo loQoqosho

UMariya wayenomhlathi we-20% we-coinsurance kumgaqo-nkqubo we-inshorensi entsha. Wayefumana ibhilikhi, ngenxa yokuhlinzwa kwakhe kwakutshanje, kwinkampani yakhe yomshuwalense wezempilo.

Isixa-mali sasiyi-$ 2,000. Inkokhelo yakhe ye-inshurensi yempilo yayingama-$ 200 kunyaka kwaye akukho namnye ehlawulwayo ehlawulwayo kodwa kubakho okokuqala ibango lakhe.

Oku kuthetha ukuba uMariya uza kufuneka ahlawule, ephuma ephaketheni lakhe, i-deductible yakhe epheleleyo (i-$ 200), kwaye ke i-20% yemali eseleyo ye-bhiliyibhile (i-$ 360). Ngoko ke, iindleko zakhe zepokothwa yokuhlinzwa kwakhe kwakuyi $ 560 (i-$ 200 + $ 360).

Izinto Ezibalulekileyo Zintathu Ukuyiqonda Ngokuphathelele Iimali Zemali

1. Ukuba unenhlanhla ngokwaneleyo yokufumana ingxelo phantsi kweenkqubo ezimbini ze- inshorensi yezempilo , njengokuba phantsi komlingane okanye isicwangciso se-inshorensi yempilo yeqabane lekhaya , kwaye omnye wabo unesigatya esithile se-coinsurance, ngoko unokukwazi ukufumana enye ibhilikhi yakho yonyango ehlanganiswe ukuhlanganisa ngokucwangcisa izicwangciso ze-inshorensi zempilo usebenzisa ukulungelelaniswa kwezibonelelo xa ufaka i- inshorensi yakho yezempilo . Qaphela ukuba ukuba izicwangciso zombini zifumana izilungiso ezifanayo ze-coinsurance, ngoko awuyi kukwazi ukulusebenzisa ngeli qhinga. Ngokomzekelo, umphathi we-inshorensi yempilo yonyango kaJohane unomhlathi we-inshorensi ka-50/50. Nangona kunjalo, unomshuwalense we-double phantsi kwesicwangciso sakhe se-Elizabethe esino-20/80 se-coinsurance. Umphathiswa wakhe oyintloko uza kuhlawula i-50% yeendleko zeenkonzo zakhe zonyango kodwa usebenzisa ukulungelelaniswa kwezibonelelo kwibango lakhe unokusebenzisa icebo lika-Elizabethi elihlanganisa i-80% ukugcina imali.

1. Ukuba sele uhlawule isixa esiphezulu kufuneka uhlawule kumgaqo-nkqubo wee-deductibles, awuyi kuhlawula i-deductible yenkonzo, kwaye ke awuyi kuhlawula iindleko zokutsalwa kwakho ngaphambi kokuba ufumane inkampani yomshuwalense ukuhlawula isabelo sabo kwibango ngokwemigqaliselo ye-coinsurance.
2. Ukuqonda ngokuchanekileyo indlela ukuqinisekisana ngayo, ukulungelelaniswa kwezibonelelo kunye neentlawulo ezisebenzayo kwisicwangciso sakho sempilo kunokukugcina imali eninzi, ngoko qi ni sekise ukuba ufunde yonke imimiselo yomgaqo-nkqubo phambi kokuba wenze ukhetho lwakho kwaye ungasayineli i-insurer ye-inshurensi yezempilo omnye umgaqo-nkqubo ukuba awuqinisekanga. Thetha kummeli wakho ukuba uqonde ngokupheleleyo zakho iinketho.