Ufuna udokotela wamazinyo kodwa ungenayo inshuwalense yamazinyo?
Wonke umntu ufuna ukunakekelwa kwamazinyo. Ngelishwa, akuyena wonke umntu owaziyo ukuba kukho iindlela ezahlukeneyo zokuhlawula udokotela wamazinyo kunye nokunakekelwa kwamazinyo. Kukho ukhetho oluninzi nje kwinshurensi yamazinyo yendabuko kwaye ezo zigqibo zingakugcina imali kwiinkathalelo zakho zamazinyo. Ukuba udinga indlela yokuhlawula amazinyo akho kunye neentlawulo zezinyo zamazinyo, nangoozinyango ezine zamazinyo kunye namazinyo yomshuwalense wamazinyo ongafuna ukuwaqwalasela:
1. I-inshorensi yamaNyango yamaDental: Ezi zezi zicwangciso ezininzi zisetyenziselwa kwaye zisebenze ezifana nezicwangciso zeinshorensi zempilo.
Ngezicwangciso ze-inshurensi zamazinyo uhlawula i-premium yenyanga okanye ngenyanga kwaye ufumene izibonelelo ezifana ne-80-100% zeendleko zakho zamazinyo. Unokufumana izicwangciso ze-inshorensi zamazinyo ngomdaka wakho okanye kummeli womshuwalense. Khumbula ke ukuba, ukuba uya kwi-inshente ye-inshurensi kwaye kungengomqeshi wakho ke iindleko zakho zingaba ziphezulu. Kwakhona, ezinye iinkqubo kunye neengxaki zangaphambili zingaba nexesha lokulinda okanye alinakukhutshwa. Njalo qhasela umqeshi wakho kuqala xa ufuna ukuthenga isicwangciso sezinyo.
Amaphulo okubuyisela amazinyo: Isicwangciso sokubuyisela amazinyo asikho i-inshorensi kodwa kunoko uhlobo lwesivumelwano phakathi kwakho nomqeshi wakho. Ngecebo lokubuyisela amazinyo uhlawula ukunyamekela kwamazinyo uze ufumane irhafu yakho kumqeshi kwaye babuyisele kumlinganiselo othile (ngokuqhelekileyo i-$ 500- $ 1000 ngonyaka). Le ndlela yindlela enkulu yokuba umqeshi anike izibonelelo kubasebenzi bawo kwaye akukho nkampani inokukhathazeka ngokuhlawula iiprayimari zenyanga kwiinkampani zomshuwalense okanye kufuneka ukhathazeke ngokukhetha okungagqibekanga kwidokotela wamazinyo.
Ukuba uthanda imbono yokuba necebo lokubuyisela amazinyo kwindawo yakho yokusebenzela, cela nje umqeshi wakho!
3. Izicwangciso zeqela ngokuzithandela Ufuna i-inshurensi yamazinyo emsebenzini wakho? Hlangana kunye nabasebenzi bakho kunye nabo bacele umqeshi wakho ukuba amise iqela lokuzithandela lezinyununu zamazinyo. Ngalolu hlobo lwesicwangciso, wena kunye nabasebenzi bakho basebenzisane zonke iintlawulo ze-inshurensi yamazinyo kodwa usetyenzwa ngumqeshi wakho ukuze ukwazi ukufumana isantya sexabiso esincinci kwaye mhlawumbi uncedo olungcono.
kukho amandla kumanani!
Izicwangciso zeSaphulelo samazinyo: Isicwangciso sokuphuhlisa amazinyo singayindlela enhle yokuhlawula amazinyo akho kunye nokunakekelwa kwamazinyo ngexabiso eliphantsi. Izicwangciso zokunciphisa amazinyo azikho i-inshorensi kodwa kunokuba umntu athathe isaphulelo esithile kwiinkonzo ezithile. Umzekelo: Uya kwidokotela wamazinyo kwaye "intlawulo yesitrato" i-$ 100 yokutyelela nokucoca. Ngecebo lokuphulukisa kwamazinyo, ukuba isaphulelo sawo asi-20% ke endaweni yokuhlawula i-$ 100 yokutyelela / ukuhlawula umrhumo uza kuhlawula i-$ 80 ngaloo ndlela ufumana isaphulelo se-20% kwiinkonzo zakho. Ezi ntlobo zezicwangciso zifuna ukuba uhlawule intlawulo yobhaliso kunye nomrhumo wenyanga ngenyanga kumnikezeli wecebo lokunciphisa amazinyo kodwa iintlawulo zingaphantsi kwe-inshorensi. Kwakhona, ukhetho lwakho lwamazinyo luya kunqunyelwa kumazinyo eminzini yakho eyamkela isicwangciso se-inshurensi yamazinyo.
Naluphi na ukhetho lwamazinyo, qwalasela zonke iinkcukacha uze ufumane oko kuya kulungelelanisa iimfuno zakho. Kweminye, isicwangciso sokunciphisa amazinyo sinokulungelelanisa kakhulu kuba umqeshi wabo akaboneleli naluphi na uhlobo lwe-inshorensi yamazinyo kwaye akazimisele ukuxoxisana nesicwangciso kwindawo yomsebenzi. Kodwa kwabanye, ukuthenga i-inshurensi yamazinyo ngokusebenzisa umqeshi wabo kubaluleke kakhulu kuba benentsapho yokuqinisekisa kunye nembali yeengxaki zamazinyo.
Kwaye kwezinye iimeko, unokuba uzive uhlawule ukuhlawula udokotela wamazinyo ephaketheni kwaye awunomdla wokuhlawula iipriyamu lonke ixesha le-inshorensi yamazinyo. Okona kubaluleke kukuba, nayiphi na into oyikhethayo uya kusindisa imali emininzi ngokuqhubekayo ngokugcina i-check-ups ukuze ukhusele nayiphi na umonakalo omkhulu kakhulu kwixesha elizayo.