Indlela yokusebenzisa i-COBRA Insurance

Ukuba ulahlekelwe ngumsebenzi wakho okanye ufumene umsebenzi omtsha, unokuba nexesha apho ungenayo inshuwalense yezempilo. I-inshorense ye-COBRA yenziwe ngunyango ukunceda abantu baqhubeke nokufumana i-inshorensi yempilo kwiimeko. Ukuba uzifumana kwimeko kufuneka ukuba usebenzise i-COBRA, kufuneka uqinisekise ukuba uyayisingatha le meko ngokuchanekileyo. I-COBRA ingaba yindleko, kodwa i-inshurensi yempilo yinto ofuna ukuyigcina nangona uhlahlo lwabiwo-mali .

Lindela Ukuqinisekisa ukuba ufuna i-COBRA Insurance

Ukuba uqala umsebenzi omtsha, unokufumana ukuphelelwa ngumsebenzi. Unokwenza isigqibo sokudlala umdlalo we-COBRA. Inkampani ye-inshorensi ikuvumela ukuba wenze inkokhelo yakho yase-COBRA yokuqala yomshuwalense zingakapheli iintsuku ezithandathu ze-inshorensi yakho. Kubalulekile ukuba uqaphelisise zakho iinketho ngaphambi kokuba ulinde ukuthumela kwi-premium.

• Ukuba unempilweni kwaye awuyi kuba nayiphi na imeko ekhuselekileyo kwi-inshurensi yakho, unokukhetha ukulinda ukuba wenze intlawulo ngaphandle kokuba unxinzelelo. Ngaloo ndlela ukuba awudingi ukusebenzisa i-inshurensi akudingeki uyithenge.
• Le nto ayilona nto ingqiqo ukuba unemiqathango yokuxhomekeka, kuba unako ukugcina imali ngokufumana i-inshurensi eqhubekayo. Nangona kunjalo, iintlawulo zakho zokungabikho kwinshuwalense yezempilo ziya kukhutshwa ngeenyanga ezingayisebenzisiyo. Oku kusenokungaphantsi kobe uya kuhlawula kwizohlwayo ngokungenayo inshuwalense yezempilo kwinyanga okanye ezimbini.

Khangela ezinye iindlela ze-Inthanethi ye-COBRA

Ukuba ulahlekelwe ngumsebenzi okanye unomsebenzi omtsha nge-inshorensi encinci okanye kungekho nonyango, unokukhetha ukuqhubeka nokusebenzisa i-inshorensi yakho ye-COBRA. Uvumelekile ukuyisebenzisa ukuya kwiinyanga ezilishumi elinesibhozo. Nangona kunjalo, ekubeni ixabiso le-COBRA lugqithisele kakhulu kunezinye iindlela ozikhethayo kufuneka ulithenge ngeenxa zonke uze uqhathanise iirhafu kunye nezicwangciso zokufumana enye indlela kwi-inshorensi yezempilo yeCOBRA .

Unokwazi ukuthabatha umgaqo-nkqubo ngaphandle kokuzimela , ngakumbi ukuba ungatshatanga. Unako ukufaneleka ukuba ubhalisele i-inshurensi yezempilo ngokusebenzisa i-inshurensi yempilo ngokukhawuleza ukuba ulahlekelwe ngumsebenzi wakho. Hlola ngeengxoxo ukuze ubone ukuba unokufumana i-inshorensi efumanekayo. Ukuthengwa ngeenxa yomshuwalense wakho wezempilo kunokubangela ukongiwa okubalulekileyo, kodwa ukuba unayo imeko yezobugqirha eyona nto ingcono ibe yi-COBRA.

Ukuba utshatile, unokucinga ukuba ubekho kwi-inshurensi kumqeshi womlingane wakho. Ukulahlekelwa ngendleko ngenxa yokulahleka komsebenzi kukuvumela ukuba ubhalise nokuba ngaba kungabhaliswa okuvulekileyo. Ezinye iikhampani zinika inkxaso ye-inshorensi yempilo kubalingani basekhaya. Ukuba ulwalamano oluqinileyo, unokuqwalasela le ndlela.

Ukuhlawula i-Premium ye-COBRA ye-Inthanethi ye-Inthanethi yakho

Unokuhlawula irhuwalense yakho yeCOBRA ngqo kwinkampani yakho yomshuwalense okanye unokuyihlawula kwinkampani yolawulo yeCOBRA. Kufuneka ujonge iileta echaza iindleko ze-premium (eza kuba yindleko yakho yangaphambili kunye nomvuzo wakho umqeshi akhokhelwa ngokunjalo), nalapho uthumela khona intlawulo. Mhlawumbi uya kukhutshwa ikhadi elitsha le-inshorensi.

Qinisekisa ukuba uyaqhubeka uhlawula iintlawulo ze-inshorensi nje kuphela xa ufuna inshuwalense.

Ukuba ukhansela i-inshurensi kwangaphambili, kuya kufuneka ukuba ubhale ileta kwaye uqhagamshelane nenkampani ukucima ininshurensi, ukuyeka ukuhlawulwa kuphela akuyi kukhansela umgaqo-nkqubo. Unokugqiba ukuhlawula imali yenkampani kwiiprimiyamu ezidlulileyo xa ungawukhansela ngokomthetho umgaqo-nkqubo.

Gcina iSatifikethi soMgca weeRekhodi zakho

Ukuba ukhetha ukuphuma kwikhotho ye-COBRA uza kufumana ileta evela kwinkampani yakho yomshuwalense echaza imihla oye yahlanganiswa kuyo. Oku kunokunciphisa ixesha lokulinda kwi-inshorensi yakho entsha. Ukuba uyazi ngokukhawuleza kusenokwenzeka ukuba unokukwazi ukusekwa umgaqo-nkqubo ophezulu okhutshwe ngokukhawuleza ukukhawulela ixesha eliphakathi kwama-inshorensi. Oku kuya kunceda ukuphelisa umgaqo-nkqubo we-preexisting kwi-inshurensi yakho.

Iingcebiso:

1. Umthetho ononophelo loNonophelo uthetha ukuba xa ulahlekelwa ngumshuwalense unokujamelana neentlawulo ezinkulu kunye nezohlwayo. Kukho iindlela ezicacileyo ukuba uMthetho woNonophelo ongenakunqwenelekayo uthintela abantu kwiminyaka engama-20 . Unokusebenzisa ngokuninzi iintlobo ezahlukeneyo ze-inshorensi ukuba isenzo sinikezela. Thatha ixesha lokukhetha ukhetho olufanelekileyo kwaye ugcine i-inshorensi yakho yempilo. Ukuba awunayo i-inshorensi yempilo, unokujamelana neentlawulo kunye nezohlwayo .

1. Enye inketho ingaba yinshuwalense yexesha elifutshane . Le ntlawulo ye-inshorensi ayifanelekanga phantsi koMthetho wokuNakekelwa ongenakuncedo. Nangona kunjalo, kukukhusela kwiibhilidi zonyango. Unokufuna ukuqwalasela oku ukuba unzima kakhulu kwimali kunye nengcamango yokuba akukho nkonzo ye-inshorensi inokukhathaza.
2. Imithetho malunga ne-inshurensi yezempilo ingashintsha kwakhona. Kungakhathaliseki ukuba yimithetho yintoni, kubalulekile ukuba unomshuwalense wezempilo. Ikhusela kuwe kwiimeko ezimbi kakhulu ezinjengengozi enkulu okanye ezinye zezoxakeka zezempilo ezifana ne-appendicitis zingenza kube nzima ukufumana imali kwaye into enzulu kakhulu njengomhlaza ingaba yinkangala ngaphandle kwe-inshorensi yezempilo. Qinisekisa ukuba ubuncinane isicwangciso se- inshurensi yezempilo ekhutshwe kakhulu ekhuselekileyo. Ukusekwa kweengxowa-mali zexakeka ngokukhawuleza ukukhupha ixabiso eliphezulu.