
Ukuqonda ixabiso loNyango loMhlaza wamabele Eli nqaku libonelela ngesishwankathelo esibanzi sezinto eziphembelela iindleko zonyango lomhlaza wamabele, kukunceda ujonge imiba yezemali kolu hambo. Siphonononga iindlela ezahlukeneyo zonyango, i-inshurensi, kunye nezixhobo ezikhoyo zokulawula iindleko.
Ukujongana noxilongo lomhlaza wamabele kunzima, kwaye ukuqonda iindleko ezihambelanayo kongeza omnye umaleko wobunzima. Umthwalo wemali wonyango lomhlaza wamabele unokwahluka kakhulu ngokuxhomekeke kwizinto ezininzi, kubandakanywa inqanaba lomhlaza, uhlobo lonyango olufunekayo, i-inshurensi yakho, kunye nendawo okuyo. Esi sikhokelo sijolise ekuboneleleni ngengcaciso kunye nezixhobo zokukunceda ukuba uhambe kulo mba ucelomngeni wohambo lwakho.
Inqanaba lomhlaza ekuxilongeni lichaphazela kakhulu iindleko zonyango. Umhlaza wesigaba sakwangoko kaninzi ufuna unyango oluncinci, nto leyo ekhokelela kwiindleko eziphantsi. Imihlaza ekwinqanaba eliphezulu, nangona kunjalo, ifuna unyango oluqatha noluthatha ixesha elide, olukhokelela kwiindleko eziphezulu kakhulu.
Iindleko zonyango lomhlaza webele zihluka kakhulu ngokuxhomekeke kwiinkqubo ezithile kunye nonyango olusetyenzisiweyo. Unyango oluqhelekileyo lubandakanya utyando (lumpectomy, mastectomy), ichemotherapy, unyango lweradiation, unyango lwehomoni, unyango olujoliswe kuyo, kunye ne-immunotherapy. Unyango ngalunye luneendleko ezahlukeneyo ezinxulumene nalo. Ngokomzekelo, unyango olujoliswe kuyo, ngelixa lusebenza kakhulu kwiintlobo ezithile zomhlaza, lunokubiza kakhulu kune-chemotherapy yendabuko.
Isicwangciso sakho se-inshurensi yezempilo sidlala indima ebalulekileyo ekumiseleni iindleko zakho eziphuma epokothweni. Ubungakanani be-inshorensi iyahluka ngokuxhomekeke kwiinkcukacha zesicwangciso sakho, kubandakanywa ukutsalwa kwemali, ukuhlawulwa ngokubambisana, kunye ne-inshurensi yokubambisana. Kubalulekile ukuphonononga ipolisi yakho ngononophelo ukuze uqonde izibonelelo zakho kunye nemida. Ukuqonda i-inshorensi yakho phambi kokuba uqalise unyango kubalulekile kucwangciso lwezemali. Ababoneleli abaninzi be-inshurensi banikezela ngezixhobo zokunceda ekuqondeni izibonelelo zakho kunye nokujonga inkqubo yokuhlawula. Ukuqhagamshelana nesebe lenkonzo yomxhasi wakho we-inshurensi kunokubonelela ngengcaciso.
Iindleko zonyango lomhlaza webele zinokwahluka kakhulu ngokusekelwe kwindawo. Iindleko zonyango kwiindawo zasezidolophini, umzekelo, ziphezulu ngenxa yoncedo oluphezulu kunye neentlawulo zobungcali. Indawo ikwachaphazela ukufumaneka konyango oluthile kunye neengcali.
Ukubonisa ukuguquguquka kweendleko, siza kuvavanya umzekelo woqikelelo. Makhe siqwalasele iimeko ezimbini: umhlaza wamabele wasekuqaleni unyangwa ngotyando kunye nemitha, kunye nenqanaba eliphezulu elifuna utyando, ichemotherapy, kunye nonyango lwehomoni. Umahluko weendleko uya kuba mkhulu. Le theyibhile ilandelayo inika isishwankathelo jikelele (qaphela: olu luqikelelo kwaye iindleko ezizizo zinokuhluka ngokubanzi).
| Imeko yoNyango | Uluhlu lweendleko eziqikelelweyo (USD) |
|---|---|
| Inqanaba lokuqala: Utyando kunye neRadiation | $50,000 - $100,000 |
| Inqanaba eliphezulu: Utyando, iKhemotherapy kunye noNyango lweHormone | $150,000 - $300,000+ |
Kunyanzelekile ukudibana nomboneleli wakho wezempilo kunye nenkampani yeinshurensi malunga noqikelelo lweendleko ezichanekileyo kwimeko yakho. La manani luqikelelo kwaye asebenza njengemizekeliso nje.
Imibutho emininzi inikezela ngeenkqubo zoncedo lwezemali ukunceda izigulane zilawule iindleko zonyango lomhlaza wamabele. I Umbutho womhlaza waseMelika kunye ne Isiseko somhlaza webele weSizwe zizixhobo ezigqwesileyo zolwazi malunga noncedo lwemali, amaqela enkxaso, kunye nobhengezo lwesigulane. Ngaphaya koko, ukuphonononga iinketho ezifana ne-crowdfunding okanye iinkqubo mboleko yezonyango kunokubonelela ngenkxaso yemali eyongezelelweyo. Khumbula ukuba, ukufuna uncedo kuluphawu lwamandla, kungekhona ubuthathaka.
Ukujonga iingxaki zemali kunyango lomhlaza wamabele kufuna ucwangciso olusebenzayo kunye nobuchule. Ngokuqonda izinto ezahlukeneyo eziphembelela iindleko, ukuphonononga ukhuselo lwakho lwe-inshurensi, kunye nokuphonononga iinkqubo ezikhoyo zoncedo lwezemali, unokulawula ngcono umthwalo wemali kwaye ugxile kwimpilo kunye nempilo yakho. Khumbula ukubonisana neqela lakho lezempilo kwaye usebenzise izixhobo ezifumanekayo kuwe.
I-Disclaimer: Olu lwazi lololwazi ngokubanzi kunye neenjongo zolwazi kuphela, kwaye alubandakanyi iingcebiso zonyango. Soloko udibana nengcali yokhathalelo lwempilo kuyo nayiphi na inkxalabo yezempilo okanye ngaphambi kokuba wenze naziphi na izigqibo ezinxulumene nempilo okanye unyango lwakho.
ecaleni>
umzimba>