Kwakhona unokufuneka uhlawule i-coinsurance kwiinkqubo ezithile ezifana nezivavanyo okanye ukuhlala esibhedlele.
Ixabiso lokubambisa ipesenti yebhili-mali ojongene nayo ngokubhekisele kwikhoyayithi yenkqubo. Umzekelo, ukuba une-80/20 ye-coinsurance, inkampani ye-inshorensi iya kuhlawula ipesenti ezisibhozo zeendleko kwaye uya kuba noxanduva kwezinye iipesenti ezingamashumi amabini. Lo mgaqo-mali usebenza emva kokuba ufikelele nasiphi na isaphulelo esisuswe ngu-inshorensi yakho.
Imigaqo-nkqubo eninzi inomlinganiselo ophezulu kumyinge wokuhlawula umthwalo. Xa usifike kulo mngcele u-coinsurance awusasebenzi, nangona kufuneka uqhubeke nokuhlawula iikopi zakho. Uya kuphinda uhlawule i-coinsurance kwimali enyuntshurensi yakho enesivumelwano sokuhlawula iinkqubo kunye nesibhedlele kunye nodokotela. Ngenxa yoko, kubalulekile ukuthobela ingqalelo iibhokhwe zamagqirha kunye neengxelo ze-inshorensi ozifumanayo ezichaza umlinganiselo wokuhlawula.
Kubalulekile ukuqonda indlela eninzi inokukuhlawula ngayo.
Ngokomzekelo, ukuba kufuneka uqhutywe ukuhlinzwa kwaye uhlale ubusuku bonke, kufuneka uhlawule imali yakho ye-copayment yesibhedlele, uhlawule imali ehlawulwayo ukuba awuzange udibana nayo, kwaye uhlawulele imali yakho yemali kwi-bill balance. Ungabiza kwaye uxoxe nommeli kwishishini lakho le-inshorensi ukuba ufunde iindleko eziqikelelweyo zeenkqubo ngaphambi kokuba wenze.
Ukongezelela kufuneka uqiniseke ukuba ufumanisa iimvavanyo ezininzi kunye nokuhlinzwa ngaphambi kokuba wenze. Oku kungakusindisa imali kuba i-inshurensi iyavuma ukufihla indleko. Uyakufuna kwakhona ukuqinisekisa ukuba bonke oogqirha kunye ne-anesthesiologist eziza kusebenza kuwe zingaphakathi kwintanethi yakho.
Enye yeenzuzo zenkqubo yomshuwalense wempilo kukuba yinto elula ukuqikelela iindleko zakho. Ukuba uhlala ngaphakathi kwintanethi yakho, unokukwazi ukulawula indlela oza kuhlawula ngayo emva kokuba i-inshurensi yezempilo sele ihlawulise iindleko eziphantsi nala oogqirha. Kwakhona akufuneki ukuba uhlawule phambili phambi kwepokothini lakho. Oku kunokuba yinto enyanisekileyo xa ukutsalwa okukhulu kubonakala kunzima kuwe, kwaye uya kuphepha ukumbona ugqirha ngenxa yalo. Nangona kunjalo, abanye abantu bakhetha iplani ephezulu echithwayo kuba sele bedibana ne-deductible ngoko akudingeki ukuba bahlawule iindleko zonyango ezongezelelweyo. Ukuba uyazi ukuba uya kuhlala udibana ne-deductible yakho, kwaye unokufumana ukhetho oluthengekayo, unokufuna ukucinga ukuba ukhetho esikhundleni senkokhelo yempilo yemveli.
Xa ukhetha isicwangciso, kubalulekile ukuqinisekisa ukuba ihlangabezana neemfuno ezimiselwe nguMthetho woNonophelo ongenakunciphisa .
Oku kuya kukukhusela ekubeni uhlawule intlawulo ngenxa yokungabi negalelo elifanelekileyo. Zininzi izicwangciso ezinikezelwa ngumqeshi wakho ziya kugutyungelwa. Ukuba ubhalisela isicwangciso sempilo ngokutshintshiselana, kuya kuzuza. Uninzi lwezicwangciso ze-inshorensi zempilo zangexesha elifutshane azifanelekanga kule ngxelo.