Isikhathi sokulinda inshurensi yamazinyo ubude bexesha emva kokuthenga isicwangciso sakho senzuzo yamazinyo omele ulinde phambi kokuba ungasebenzisa ukukhutshwa kwakho okupheleleyo.
Usebenza njani i-Period Period?
Ngexesha lexesha lokulinda kwamazinyo, inkampani yomshuwalense wezinyosi ayiyi kuhlawula iinkqubo ezithile. Ixesha lemizuzu yokulinda yamazinyo lihlala ixesha elide ukusuka kwinyanga ezimbalwa ukuya kunyaka opheleleyo, kuxhomekeke kuhlobo lwesicwangciso oyithengileyo kunye nenzuzo ye-inshorensi.
Iinkcukacha zento efunyenwe kwisicwangciso ngokukhawuleza malunga noluphi uhlobo lweziganeko ezixhomekeke kwixesha lokulinda liya kucaciswa ngokucacileyo kwisicwangciso sakho somvumelwano.
Emva kokuba ixesha lokulinda liphelile, ke iingeniso ezipheleleyo zifikeleleke kuwe.
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Ixesha lokulinda alisoloko lisetyenziswa kuzo zonke izibonelelo, ngokuqhelekileyo zichanekileyo kwiinkqubo ezithile kwaye aziqhelwanga rhoqo
- Ii-inshurensi zamazinyo ezilinda amaxesha ahlukahluka kuxhomekeke kwinkampani
- Akuzona zonke iinkampani zomshuwalense zamazinyo zinexesha lokulinda inshuwalense yamazinyo
- Ngokuqhelekileyo, izicwangciso zeenzuzo zamazinyo azixhomekeke kwixesha
- Ukuba ubukade unomshuwalense wamazinyo wangaphambili, ungabonisa ulwazi kwi-insensitive entsha ye-inshorensi yeenzuzo zezinyununu kwaye banokukulungele ukulinda ixesha lokulinda kwiimeko apho kungenakho ukuphuka.
- Ukuba uthengela inzuzo ye-inshorensi entsha ngenxa yokuba awusebenzela umqeshi obenokukunikezela, unokuqwalasela ukudibanisa nenkampani efanayo yenkampani yomshuwalense kunye nokucela isicwangciso ngasinye, oku kungasindisa ixesha lokulinda.
Kutheni kukho i-Period yokulinda kwi-Arhente ye-Innsurance Plan
Inkampani yomshuwalense wezinyununu ikhetha ukusebenzisa ixesha lokulinda ukuze abathengi bangathengi i-inshorensi yamazinyo kuphela xa befaka iinkqubo ezininzi zamazinyo abafuna ukuzityhila kwaye kamva nje behla i-inshurensi yamazinyo emva kokuba umgaqo-inshorensi wamazinyo usuphelile .
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Ngokuqhelekileyo, isicwangciso samazinyo asiyi kusebenzisa ixesha lokulinda kuzo zonke izibonelelo, njengoko kuqondwa ukuba icebo liza kuhlawula ngezinye iinkcukacha zokubaluleka ezisisiseko ngamnye ngonyaka ukwenzela ukuba amalungu amalungiselelo amazinyo athile.
Izinzuzo Zamazinyo Izikhathi Zokulindela Iimviwo Zenzuzo ezahlukeneyo kunye neenkqubo
Ukuqonda ukuba zeziphi iingxelo eziwela ngexesha lokulinda kubalulekile. Isicwangciso se-inshorensi yakho yamazinyo mhlawumbi sichaza iifayili kumacandelo amathathu:
- Isiseko : Iinkqubo ezisisiseko zinokuthi zibe neenyanga ezintathu ukuya kwezi-6 zokulinda inyanga, kwaye iinkqubo "ezinkulu" zinokuba neenyanga ezili-6 ukuya kwixesha elilinde lokulinda eli-1.
- Ukuthintela : Iinkqubo zokukhusela zingenakho ixesha lokulinda. Ngenxa yoko ezinye iintlobo zinokufumaneka nangona kukho ixesha lokulinda, njenge-X-ray, ukucocwa, unyango lwe-fluoride.
- Umsebenzi Omkhulu: Umsebenzi omkhulu kufuneka uchazwe kwigama lakho lomgaqo-nkqubo kwaye unokuhluka ukusuka kwinkampani ukuya kwinkampani. Qaphela ukuthatha umsebenzi omkhulu ngaphandle kokubonisana nesicwangciso sakho sokuqala.
Imizekelo yendlela i-Period yokulinda ii-inshorensi esebenza ngayo
Ukuba uthatha isigqibo sokuthenga isicwangciso se-inshurensi yenzuzo yamazinyo kuba ufumene nje ukuba uyasidinga isithsaba, ixesha lokulinda i-inshorensi lingakukhusela ukuba ungakwazi ukumboza inkqubo ngokukhawuleza xa uthenga inshuwalense yakho yamazinyo.
Isikhathi sokulinda singaphelela unyaka kwiindlela ezithile eziphambili.
Umzekelo 1: UJoan wayedinga isithsaba. Waqhagamshelana nenkampani yomshuwalense wezinyosi ukuze abone ukuba yeyiphi igalelo ayenayo kwinkqubo. Inkampani yakhe yomshuwalense yathi wayenayo nayiphi na inkcazo yenkqubo njengoko wayenayo inshuwalense yamazinyo kwiinyanga ezili-3 kwaye nayiphi na inkqubo yezithsaba yayineenyanga ezingama-6 zokulinda inshuwalense yamazinyo.
Omnye ixesha lokulinda lidlulile, ngoko iinzuzo zamazinyo ziya kufumaneka ngokupheleleyo.
Umzekelo wesi-2: U- Anna ufuna ukutyelela ugqirha wamazinyo ukuze ahlole kwaye ahlambulule, kodwa isicwangciso sakhe sokulinda amazinyo asipheli. Unenkxalabo yokuba udokotela wamazinyo kuzakufuneka athathe i-x-ray kwaye ayihlawulele kakhulu le nkonzo. Ubiza umncedisi wecebo loozinyo kwaye ufumanisa ukuba nangona unyaka owodwa wokulinda umsebenzi "Omkhulu" njengomqhele, kunye namabhuloho, ukuba zonke iinkcukacha zokuqala ezibandakanyiweyo zifakiwe.
Uyavuya ukufumanisa ukuba ii-ray zakhe ziya kugutyungulwa, kunye nokucoca kwakhe, kwaye ukuba zifumanisa nayiphi na indawo, icebo lakhe liya kulukhupha. Ekubeni iiplani zonke zihlukile, wayenwabileyo ekuthiwa uyakwazi ukufumana ezinye zeenzuzo zakhe ngokukhawuleza.
Into enokuyenza Ukuba iNkqubo yamazinyo ayifumanekanga kwixesha lokulinda
Ukuba inqubo yezinyosi iyadingeka kodwa ingabandakanywa ngenxa yexesha lokulinda inshuwalense yamazinyo , cela udokotela wakho wamazinyo ukuba kukho nantoni na enokuyenza ukukunceda ukulawula iindleko. Ngamanye amaxesha udokotela wamazinyo unokucinga ukuba akunike isaphulelo okanye ucinge ngezicwangciso zokuhlawula. Ukulinda ixesha lokulinda ukuba lide ukwenza umsebenzi omkhulu wamazinyo akunokuba yinto efanelekileyo. Udokotela wakho wamazinyo uya kuba nako ukunika uluvo lwabo lobugcisa, nangona kunjalo ukuba unokwenza izibalo, uninzi lweziganeko ezifihlakeleyo ezinqunywe ngethuba lokulinda i-inshorensi lwamazinyo lunokufihla kuphela kwi-50%, ngaloo ndlela ukuvumela ingxaki ibe yimbi ngaphezu kweenyanga eziliqela ukulinda oku kuhlawulisa uninzi kakhulu kunokuba i-inshurensi yamazinyo ayayihlawula. Impilo yakho ibaluleke kakhulu.
Kwakhona khumbula ukuba izicwangciso ezahlukeneyo zeenzuzo zamazinyo zibandakanya iimali eziphezulu ezihlawulwayo kunye nezithintelo ukwenzela ukuba ufune ukujonga ezi manani kunye nokuqonda ngokwenene ukuba ixesha lokulindela liyakuxabisa nantoni na.
Ixesha lemiqathango yokulinda ii-inshorensi kunye ne-Inns Insurance
U Edward udinga ukuba "nomsebenzi omkhulu" owenziwe kwizinyo, njengoko kuchazwe kwisicwangciso sakhe, asihlanganiswa phantsi kwe-inshurensi yamazinyo kuba sele eselinde ixesha lokulinda. Iindleko zenkqubo ziyimali eyi-1500 kwaye isicwangciso sezinyoko siza kuhlawula kuphela 50%.
Ukongezelela, uhlawulelo oluphezulu oluhlawulwa kwisicwangciso sika-Edward ngonyaka ngu-$ 1500. Uthatha isigqibo sokufumana uqikelelo kumntu wamazinyo walo msebenzi wonke oyisisiseko omele uyenze, njengokuba kunemizila emininzi ezaliswe, x-ray, ukucocwa kunye nezinye izicwangciso zonyango kunye nokuthintela, xa ehlola yonke into, kwaye ubala i-deductibles, uyaqonda ukuba wayeza kushaya isicwangciso sakhe esiphambili nokuba ngaba ixesha lokulinda lalingekho. Uthatha isigqibo sokuqhubela phambili nomsebenzi kwaye ufumane isicwangciso sokuhlawula ngodokotela wamazinyo, kwaye usebenzise i-inshurensi ukwenzela unyango olukhuselweyo olucetywayo kwisicwangciso sokuthintela oku kungenzeki kwakhona kwixesha elizayo.
Ukusebenzisa i-Period yokulinda i-Dental Insurance period
Ixesha lokulinda amazinyo linokusetyenziswa njengendlela yokunqanda iindleko zomshuwalense wamazinyo. Sekude ixesha lokulinda inshuwalense yamazinyo, i-intanethi ye-inshurensi yama-intanethi ingaphantsi. Esi sicwangciso sinceda ngokukhethekileyo ukuba ubelokhu ugcina amazinyo akho ukuba ugweme ezo nkqubo ezinzulu zamazinyo kunye nokutyelela. Ukufaka isicwangciso se-inshurensi yamazinyo ukuba ungagqitywanga ngaphambi kokuba kunzima kwaye kubonakale kuyimali, kodwa iindleko zesikhathi eside zokufumana i-inshorensi yamazinyo ezinyununu zingasindisa amawaka eedola ngokukhawuleza.