I-inshurensi yempilo eyimfuneko kaninzi ifikeleleke ngakumbi kunokuba i- COBRA yakho ifikelele. Kufuneka ukhangele indawo ezininzi kwaye uthengise i-best coverage kunye nexabiso.
Kubalulekile ukuthatha ixesha lokufumana izicatshulwa eziliqela, kwaye ufumane umgaqo-nkqubo oza kubhala izidingo zakho zangoku.
Xa uthengela i-inshorensi yempilo, kubalulekile ukukhumbula iimfuno ezibekwa nguMthetho woNonophelo ongenakunciphisa . Kukho iinzuzo ezithile ezifunekayo umgaqo-nkqubo ukuba zenzeke. Unokufuna ukujonga ngeempilo zakho ezinikwe ngurhulumente wakho okanye uqinisekise ukuba umgaqo-nkqubo uza kufaneleka phambi kokuba uthenge. Ukuba ufumana umgaqo-nkqubo we-inshorensi yempilo engahambelani nale mfuno, uya kufuneka uhlawule ixabiso xa ufaka irhafu yakho.
Khangela i-Intanethi yeMpilo ye-Intshu
Unokufumana ezininzi iinkampani zomshuwalense kwi-intanethi. Enye yeengxaki kukuba kunokuba kunzima ukufumana oogqirha abamkela olu hlobo lomshuwalense kwindawo yakho. Unokufuna ukukhangela uluhlu lwababoneleli babo ukufumanisa ukuba le nkonzo yomshuwalense izakusebenzela kwindawo yakho.
Unokwazi ukujonga izicwangciso kwiziko le-inshurensi yempilo yakho yelizwe okanye ngokusebenzisa iwebhusayithi yezempilo yonxibelelwano.gov.za.
Ukuba awufanelanga ukufumana uncedo ngokusebenzisa ukutshintshiselana, usenokukwazi ukufumana i-inshorensi ye-intanethi. kungathatha ixesha ukujonga kunye nokuthelekisa iinkqubo ezahlukeneyo ezikhoyo kwiinkampani ezahlukeneyo.
Fumana i-Agent Insurance Agent
Ungaphinde uye kwishishini lomshuwalense wendawo kwingingqi yakho.
Kukho iinkampani ezahlukeneyo ezinama-agents kulo lonke ilizwe. Unokuqhagamshelana ne-arhente ozimeleyo oya kuba neenjongo ezahlukeneyo zokuzikhethela. Ukuba usebenzisa i-arhente, kufuneka uqiniseke ukuba uyayiqonda ngokupheleleyo imiqathango enxulumene ne-inshurensi.
Enye yeenzuzo zokusebenzisa i-arhente kukuba unokukunceda ukuba ufumanise ukuba isicwangciso ofunayo sihlangabezana neziqinisekiso ze-Care Affordable Act. Igosa le-inshurensi linokukunceda ukwazi ukuba yintoni kanye oyifunayo kunye nenketho efanelekileyo kwiiplani ezikhoyo. Kunokukunceda ukuba ube negalelo elongezelelweyo xa uthengela umgaqo-nkqubo wakho.
Khangela i-Intshumo ngokusebenzisa iMibutho yobuGcisa
Yisebenzise nayiphi na imibutho onokuyenza. Imibutho yama-alumni okanye imibutho yobungcali inika isaphulelo kwiinkqubo zomshuwalense ezahlukeneyo. Ukuba ungumbutho okanye umanyano unokufumana ukuba unokuthenga i-inshorensi kubo, ngokunjalo.
Akuthathe ixesha elide ukuphanda olu lwazi kwaye lunokusindisa imali eninzi. Ukuba ungaphantsi kweminyaka engamashumi amabini anamathandathu anesibini, ungacinga ukuhlala kwisicwangciso sabazali bakho. Unokunikela ukuhlawula umahluko kwi-premium, kodwa le nto ingaba yinto efanelekileyo xa ukhangele umsebenzi wakho wokuqala.
Khetha Uhlobo Olulungileyo Lomgaqo-nkqubo
Kukho iintlobo ezahlukeneyo zemigaqo-nkqubo ekhoyo ngeeprayimari ezahlukeneyo kunye nexabiso lemali-mali. Kubalulekile ukuthatha ixesha lokukhetha umgaqo-nkqubo we-inshorensi yempilo kwiimfuno zakho. Ufuna ukufumana inani elifanelekileyo lokubhalwa kwindleko ephantsi kakhulu. Ukuba unesifo esibalulekileyo sonyango okanye abantwana abancinci, unokufuna umgaqo-nkqubo ovumela ukukhawuleza ngokukhawuleza ukukhaba ngokukhawuleza ukwenzela ukuba ungekho ukuhlawula ngokugcweleyo ukuba ubone ugqirha ukuba ufumana isifo sesifo okanye unomnye umncinci kugula.
Unokufuna ukuqwalasela umgaqo-nkqubo we-inshorensi ephezulu echithwayo kunye ne- akhawunti yokulondoloza impilo xa ungagqirha okanye ufuna nje i-inshorensi. Iiprayimari zihlala zihlawuleka kakhulu ngenyanga. Eli khetho lilungele ukuba unempilweni, kodwa unokufumanisa ukuba ukulingana kukufanelekile, nokuba awukho kwimpilo epheleleyo.
Esi cwangciso sifuna ukuba uhlawule ukunyamekela kwakho ngaphandle kwe-pocket, kodwa kwizinga eliphantsi lokuthethwa kwinkampani yomshuwalense ivumelene nodokotela wakho. Xa usufikelele kwi-deductible yakho, akufanele ube neendleko ze-out-of-pocket. Kufuneka uhlume ngokucacileyo kwizicwangciso ze-hybridi kuba baya kukubiza imali eninzi ngaphezulu kwexesha.