Isikhokelo sakho esigqibeleleyo sokuMgangatho ongenakunciphisa
Kodwa kuphela ukufuna i-inshorensi yempilo efikelelekayo inokukhokelela kwizikhefu kwi-inshorensi yakho yempilo. Xa ufuna i-inshorensi yempilo yentsholongwane enokuhlawulekayo, awufuneki nje ukujonga itekiti yentengo ye-inshorensi yakho yempilo yomshuwalense kodwa uyakuqonda nokuba uluhlobo luni lwe-inshorensi yezempilo.
Ngezantsi ngamanyathelo amahlanu ekuncedeni ukuba awufumani kuphela ufumaneke nge-inshorensi yempilo kodwa ezi nyathelo ezinhlanu ziyakunceda ufumane uninzi lwe-inshorensi yakho yezempilo.
1. Luhlobo luni lwe-inshorensi yempilo oyifunayo ?:
Xa uqala ukukhangela kwenkxaso yokunakekelwa kwempilo efikelelekayo, abaninzi abantu bahlala behamba kunye neyokuqala yomshuwalense wezempilo engabonakaliyo kwaye bangenzi okwenziweyo uphando ukuze bafumane i-inshorensi yezempilo engcono kwimfuno zabo.
Izinketho zakho zokufumana iikhoshurensi zempilo zixhomekeka kakhulu kwiimeko zakho zobomi. Nazi izimo eziqhelekileyo zobomi kunye neendlela ezahlukeneyo zokufumana i-inshorensi yempilo:
- Ukusebenza: Umqeshi (I-Choice ekhethekileyo), Inkonzo Yomshuwalense Wezempilo Emele (xa uya kwinkampani yinshurensi kwaye uthenge i-inshorensi yempilo kungengomqeshi), Isicwangciso seNkxaso-mboleko yeSizwe (imali ephantsi) okanye u- Self-Insure
- Ukuzimelela: Kuzimeleyo (xa uya kwinkampani yomshuwalense kwaye uthenge i-inshorensi yempilo kungengomqeshi), Isicwangciso seNkxaso-mboleko yeSizwe (imali ephantsi) okanye u- Self-Insure
- Ukungasebenzi: Umqeshi ngeCobra , umNxeba- mali we-Intshuwalense wezeMpilo ozimeleyo (xa uya kwinkampani yinshurensi kwaye uthenge i-inshorensi yempilo kungengomqeshi), isiCwangciso esixhaswe nguRhulumente okanye u- Self-Insure
- Ikholeji: iCobra (ngeMbonelelo weNtsapho ye-Intshumo yeMpilo) , iSicwangciso seNkxaso-mboleko yeSizwe, okanye i- Self-Insure
2. Ukukhetha inkampani ye-inshurensi yezempilo:
Ngoku ukuba uyazi ngakumbi ngemfuno yomshuwalense wakho wezempilo, sekuyisikhathi sokucinga malunga nokufumana inkampani yomshuwalense enika i-inshurensi yezempilo engcono kwimfuno zakho.
Ukwazi okungakumbi malunga namandla eemali yenkampani yomshuwalense kufuneka. Kwakhona, indlela engcono yokufumana i-inshorensi yezempilo engcono kakhulu kukufunda ukuthelekisa indawo eziphambili kwi-inshurensi yempilo ebaluleke kakhulu kuwe. Nazi ezinye izixhobo ezinokukunceda:
Iingqwalasela eziphambili xa kuthelekiswa nokuCwangciswa kweeMpilo
IiNkcazo zeNkampani zeNkampani yomshuwalense: Yiyiphi iBanga leNkampani yakho eya kulekhaya
3. Ukwenza umnxeba:
Ngaba ulungele ukuqala ukubiza i-inshorensi yezempilo? Okanye, ukuba i-inshurensi ophanda ngayo inikwe ngumqeshi wakho, ngaba ulungele ukubona ukuba ufuna umqeshi ukhetha? Xa ulungele ukwenza umnxeba kubanikezeli be-inshorensi yezempilo, ukhethe uluhlu lwemibuzo oyifunayo iimpendulo. Ukubuza oko kungabandakanywa kwisicwangciso se-inshurensi yezempilo kunye nokukhetha kwabo oogqirha bempilo yinkalo ebalulekileyo ekufumaneni iimpendulo xa uthetha kwiinkampani zomshuwalense yezempilo.
4. Ukuqonda Impilo Yomshuwalense Wezempilo:
Ngoku ukuba unesicwangciso se-inshorensi yakho yezempilo, lungela kwaye uthathe ixesha lokuqonda i-inshorensi yakho yezempilo. Kukulungele ukuhlaziya isicwangciso se-inshorensi yakho yempilo kunye nommeli wakho we-inshorensi yempilo okanye i-agent eyakunceda ukuba ufumane isicwangciso se-inshorensi yezempilo.
Enye ingcinga efanelekileyo kukufunda nje. Ininzi yolwazi ye-inshorensi yempilo iyabonakala ingqongqo kodwa ngokuqhelekileyo yile ndlela kuba ibhaliwe ukunceda umntu aqonde isicwangciso se-inshorensi yezempilo ngokupheleleyo. Nazi ezinye iinkonzo ezongezelelweyo ezinokuba luncedo:
Ithetha ntoni le nto? Ukuqonda iMigudu yomshuwalense wezempilo
I-HIPAA uMthetho neMimiselo
IiNtsholongwane Eziphezulu Eziphezulu Zomshuwalense Kufuneka Ukwazi!
5. Ukufakela ibango le-inshurensi yezempilo:
Uninzi lweeofisi zogqirha ziya kufaka isicelo sakho se-inshurensi yempilo kuwe kwaye ikuhlawule imali omele uhlawule ngayo ephaketheni ngokwecebo lakho le-inshorensi. Ngamanye amaxesha, kuya kufuneka ukuba ufake ifom ye-inshurensi yakho yezempilo. Umzekelo weso sihlandlo wawuya kuba ukhethe ukuya kudokotela ongekho kwinethiwekhi yakho ye-inshorensi ye-inshorensi ongayisebenzisa.
Ukuba ufumene kufuneka ufake ifom ye-inshorensi yakho yezempilo, kwiimeko ezininzi uzakufuneka uhlawule inani elipheleleyo lokutyelela kuqala ugqirha okanye oyingcali. Emva koko, kuya kufuneka ufumane ifomu evela kwinkampani yakho yinshurensi kwaye ugcwalise ulwazi olufanelekileyo ukufaka ifowuni yakho. Ukuba ibango lakho livunyiwe, inkampani yakho yomshuwalense yempilo iya kukubuyisela, okanye ikuthumele inani lemfuno ebanjelwe phantsi kwe-inshorensi yempilo yakho.
Ukuba kufuneka ucelomngeni izigqibo zakho zeenkampani zomshuwalense kuba ibango lomshuwalense wonyango liphikisiwe, kubalulekile ukuba ube nerekhodi ephathekayo yazo zonke iinkqubo ezenziwe. Ukugcina ingxelo yomntu wonyango kuya kuba luncedo.