
Ukwelashwa Komdlavuza Wamaphaphu Wakuqala: Izindleko Nokucatshangelwa Ukutholwa kusenesikhathi kuba nomthelela omkhulu ezindlekweni nokusebenza ngempumelelo kwawo ukwelashwa komdlavuza wamaphaphu kusenesikhathi. Lo mhlahlandlela uhlola izici zezimali zezinketho ezahlukene zokwelapha, zikusiza ukuthi uqonde ukuthi yini ongayilindela.
Izindleko ze ukwelashwa komdlavuza wamaphaphu kusenesikhathi kuyahlukahluka kakhulu kuye ngezinto ezimbalwa, okuhlanganisa isigaba somdlavuza, uhlelo oluthile lokwelapha, umshwalense wakho, kanye nendawo yomhlinzeki wakho wokunakekelwa kwezempilo. Ukuqonda lezi zici kungakusiza ukuthi ulungiselele kangcono imithelela yezezimali yokwelashwa.
Isigaba somdlavuza ekuxilongeni siyisici esibaluleke kakhulu esithonya izindleko zokwelashwa. Umdlavuza wamaphaphu wesigaba sangaphambi kwesikhathi (Izigaba I no-II) ngokuvamile uhilela ukwelashwa okunganabile kangako ngakho-ke okungabizi kakhulu kunomdlavuza wesigaba sakamuva (Izigaba III kanye ne-IV). Ukutholwa kusenesikhathi ngokuhlolwa kubalulekile ekwehliseni izindleko zokwelashwa zizonke kanye nokwenza ngcono imiphumela.
Izinketho zokwelashwa ezihlukene zinezindleko ezihlukene. Ukwelashwa okuvamile kwe umdlavuza wamaphaphu wakuqala zihlanganisa:
Uhlelo lwakho lomshwalense wezempilo luba nomthelela omkhulu ezindlekweni zakho eziphuma ephaketheni lakho. Ukuqonda ukumbozwa kwakho, ama-deductibles, ama-co-pays, kanye ne-co-insurance kubalulekile ngaphambi kokuqala ukwelashwa. Abahlinzeki bomshwalense abaningi bakhava ingxenye enkulu yokwelashwa komdlavuza, kodwa izindleko eziphuma ephaketheni zisengaba nkulu. Kubalulekile ukuthi ubuyekeze imininingwane yepholisi yakho bese uthintana nomhlinzeki wakho womshwalense ukuze akucacisele ukumbozwa kwayo ukwelashwa komdlavuza wamaphaphu kusenesikhathi.
Izindleko zokunakekelwa kwezempilo ziyahlukahluka ngokwendawo. Ukwelashwa ezindaweni zasemadolobheni noma ezikhungweni ezikhethekile zomdlavuza kungase kubize kakhulu kunasemaphandleni noma ezibhedlela zomphakathi. Izindleko zokuhlala endaweni ethile nazo zithinta wonke umthwalo wezezimali wokwelashwa.
Kuyinselele ukunikeza isilinganiso sezindleko esinembile ukwelashwa komdlavuza wamaphaphu kusenesikhathi ngaphandle kokwazi imininingwane ethile yecala lakho. Nokho, izindleko zingasukela emashumini ezinkulungwane ziye emakhulwini ezinkulungwane zamaRandi, kuye ngezici ezishiwo ngenhla. Ukubonisana nomhlinzeki wakho wokunakekelwa kwezempilo kanye nenkampani yomshwalense ukuze uthole isilinganiso sezindleko esiqondene nawe kuyanconywa.
Ukuzulazula ezicini zezezimali zokwelashwa komdlavuza kungaba nzima. Izinsiza ezimbalwa ziyatholakala ukuze zikusize ulawule lezi zinselele:
Khumbula, ukutholwa kusenesikhathi kubalulekile ukuze kuthuthukiswe womabili amathuba okwelashwa ngempumelelo kanye nokunciphisa izindleko zizonke ukwelashwa komdlavuza wamaphaphu kusenesikhathi. Ukuhlolwa okuvamile kanye nokuxhumana okuvulekile nomhlinzeki wakho wokunakekelwa kwezempilo kubalulekile ekulawuleni lesi simo esiyinselele.
Ukuze uthole ulwazi olwengeziwe ngokwelashwa nokunakekelwa komdlavuza wamaphaphu, cabanga ngokuvakashela I-Shandong Baofa Cancer Research Institute. Banikeza ukunakekelwa okuthuthukile futhi bangase babe nezinsiza zokusekela uhambo lwakho.
Umshwana wokuzihlangula: Lolu lwazi lwenzelwe izinjongo zokufundisa kuphela futhi akufanele luthathwe njengeseluleko sezokwelapha. Hlala uthintana nochwepheshe bezempilo ukuze uxilongwe futhi uhlele ukwelashwa.
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