Yintoni isiqinisekiso?

Inkampani yezeMpilo ichaziwe

Ngamanye amaxesha ukhathalelo lwempilo lunokubonakala ngathi lulwimi olwahlukileyo ngokupheleleyo. Ngamazwi afana ikopi , kutsalwa , kunye ukuphuma epokothweni ubuninzi Ukuphoswa ecaleni, ucinga ukuba uyazi ukuba yintoni? Kulapho uluhlu lwethu lwezeMpilo oluChaziweyo lungena khona. Siphula amagama ukuze uqonde-kwaye ngokuqonda kuza ukonga okungcono.

Apha, siza kujongana nesiqinisekiso semali. I-Coins inshurensi yipesenti yeendleko zeenkonzo zokhathalelo lwempilo ekufuneka uhlawule ngalo epokothweni emva kokuba ufikelele ekutsalweni kwakho ngonyaka. Eli nani limiselwa yipesenti esetyenzisiweyo kwiindleko zizonke zenkonzo nganye yonyango. Inkampani yakho yeinshurensi ihlawula ipesenti ephezulu, kwaye kulindeleke ukuba ubhatale encinci. Umzekelo, i-inshurensi yakho ihlawula iipesenti ezingama-80 kwaye uza kuhlawula ama-20%. Olu luvo, oluhlala lubhekiswa njengepesenti yokuthatha inxaxheba kunciphisa umngcipheko kwinkampani yeinshurensi ngokufuna ukuba umntu abelane ngenxalenye yeendleko ezikhutshiwe emva kokutsalwa.

Coinsurance vs copay

Ukuqonda ukuqinisekiswa kwemali kufuneka uqonde indima yayo kwinkqubo yokwabelana ngeendleko ngokubanzi. Ezinye iindlela zokwabelana ngendleko zibandakanya Ukutsalwa kunye nokukhutshelwa , kwaye omathathu la magama ahlala — kwaye engachanekanga — asetyenziswa ngokungafaniyo. Ikopi yimirhumo ethe tyaba ekufuneka umntu eyihlawule ngexesha lotyelelo lwegqirha okanye kugqirha. Intlawulo ye-coinsurance, ngokuchaseneyo, yipesenti kagqirha okanye ikhemesti yemirhumo iyonke, oko kuthetha ukuba inkcitho epokothweni inokwahluka.

Abanye abathengi basebenza phantsi kwengqikelelo yokuba bakuba bezalisekisile unyaka wabo iphuma epokothweni Ukutsalwa, inkampani yabo yeinshurensi yezempilo iya kungenelela kwaye ihlawule naziphi na iindleko ezongezelelweyo unyaka wonke. Ngelishwa, inkqubo ayisoloko ilula njalo.

Ukuxhuzulwa sisixa esiqingqiweyo ekufuneka umntu asihlawule epokothweni ngaphambi kokuba inkampani yeinshurensi ingene ukuhlawula uninzi lweenkonzo zonyango. UQinisekiso lwezezimali luqala ukusebenza emva kokuba i-deductible ihlangatyeziwe.

Umxholo obanzi wokuqinisekiswa kwemali ulula ngokulula. Emva kokuba i-deductible yakho idibene, inkampani yakho ye-inshurensi iya kugubungela ipesenti ethile yeendleko zizonke zotyelelo ngalunye, ikushiye unoxanduva lwentsalela. Umzekelo, masithi unenkqubo ye- $ 1,000 kwaye i-inshurensi yakho igubungela iipesenti ezingama-90 zexabiso lilonke. Uqinisekiso lwakho lweemali luyi-10%, kulo mzekelo iya kuba yi- $ 100.

Ngaba ukuqinisekiswa kwemali kulungile okanye kubi?

I-Coinsurance ayisiyonto intle okanye imbi, kodwa inyani kwizicwangciso ezininzi zeinshurensi. Iindaba ezimnandi zokuba kukho umda rhoqo kwiindleko zakho eziphuma epokothweni. Inkampani yakho yeinshurensi iya kuthi ekugqibeleni ihlawule yonke imali oyibhatalayo ngenkonzo egqunyiweyo wakube ufikelele kwinqanaba eliphezulu lokuphuma epokothweni, elibandakanya intlawulo yakho yonyaka ekhutshiweyo kunye nemali yokuqinisekisa. Iindaba ezimbi kukuba uninzi lwabantu aluzange luhlangabezane neyona mali iphezulu iphuma epokothweni unyaka nonyaka.

Buyintoni ubuninzi obuphuma epokothweni?

Ukuphuma epokothweni ubuninzi yeyona mali umntu aya kuyihlawula ngeenkonzo zonyango ezigqunywe yi-inshurensi ngonyaka. Emva kokudibana nokuxhuzulwa, kusafuneka uhlawule ipesenti ngokuqinisekiswa kwemali. Nangona kunjalo, nje ukuba ukuphuma okuphuma epokothweni kuhlangatyezwane xa kuhlawulwa isixa esithile sokutsalwa, ukukhutshwa kwemali kunye nokuhlawulwa kwemali, inkampani yeinshurensi iya kuhlawula iipesenti ezili-100 zeenkonzo ezigutyungelwe sisicwangciso sakho seinshurensi yezempilo.

Ke kumzekelo ofanayo ovela ngasentla, masithi isicwangciso sakho sine- $ 5,000 ephezulu epokothweni. Nje ukuba uchithe loo mali kwii-deductibles, ii-copays, kunye ne-coinsurance, i-inshurensi iya kuhlawula kwi-100% de isicwangciso sakho sisetwe kwakhona (ngesiqhelo ekupheleni konyaka wekhalenda).

Kuthetha ntoni ukuqinisekiswa kwakho kuwe?

Ipesenti yakho yeinshorensi iya kwahluka ngokuxhomekeke kumgaqo-nkqubo weinshurensi yezempilo okanye Isicwangciso sonyango uyakhetha. Emva kokubetha i-deductible yakho, iipesenti eziqhelekileyo ze-inshurensi yakho xa kuthelekiswa nezinto ozigubungelayo zihlala zi-80/20, 90/10, okanye i-70/30.

Ke ubethe nje i-deductible yakho-masiyibize ngokuba yi- $ 2,000- oko kuthetha ukuba uchithe imali eninzi kwiindleko zonyango ezahlukileyo ngonyaka. Ngoku, i-coinsurance yakho ikhaba. Ukuba i-coinsurance yakho ingama-20%, uhlawula i-20% yetyala ngalinye lonyango, kwaye i-inshurensi yakho igubungela i-80% eseleyo.

Umzekelo, undwendwela ugqirha ukuba ube nomqala obuhlungu, kwaye ityala liyakufika kwi-100 leedola. Ukuba i-coinsurance yakho ingama-20%, uya kuhlawuliswa ama-20 eedola kutyelelo lwakho kwaye i-inshurensi yakho iya kuhlawula i-80 yeedola.

Kodwa izinto zinokuba nzima ngakumbi ukusuka apho. Iinkampani zeinshurensi zihlala zihlala zimisela amaxabiso aphezulu einsurance eenkonzo eziwela ngaphandle kwenethiwekhi-oko kukuthi, iinkonzo ezenziwa ngoochwephesha bezonyango abangenayo ikhontrakthi nenkampani yakho yeinshurensi.

Ireyithi yokunxibelelana kwemali yenethiwekhi ye-10% ihlala inyuka iye kwi-30% okanye kwi-40% kugqirha ongaphandle kwenethiwekhi okanye kugqirha. Ezinye izicwangciso zisenokunganikezeli nangayiphi na indlela yokugubungela inethiwekhi.

Ngaphezu, ukuba umrhumo wenkonzo ebonelelweyo ubuphezulu kunoko umbizi wenethiwekhi angakubiza, umntu lowo kuya kufuneka enze umahluko kwiindleko.

Ungayikhetha njani isicwangciso esifanelekileyo

Ukuba ufumanisa ukuba uneendleko eziphezulu zonyango minyaka le, unokufuna ukuqwalasela isicwangciso esiphakamileyo Intlawulo yanyanga le , njengoko oko kuya kuba nokuncitshiswa okuncinci kunye nokuhlawulwa kwemali, kwaye i-inshurensi yakho iya kugubungela iindleko zakho zonyango ngokukhawuleza.

Ukuba unqabile ukutyelela ugqirha, unokufuna ukuqwalasela isicwangciso kunye neprimiyamu yenyanga ephantsi nangona ingaba ne-deductible ephezulu kunye ne-coinsurance. Kwaye khumbula, ukuncitshiswa okusetiweyo xa kuphela unyaka wesicwangciso sakho.

Ukuqwalaselwa kwemali-mboleko kunye neemali ezichithwayo ziphakathi kwezinto ezininzi omele ucinge ngazo xa ukhetha isicwangciso. Kuya kufuneka ukuba uthathele ingqalelo nokuba oogqirha bakho bathatha inxaxheba na kwinethiwekhi yesicwangciso nokuba iinkonzo ezithile zonyango ozifunayo ziyagutyungelwa na.

Kungakhathaliseki ukuba isicwangciso sakho se-inshurensi, Ukhathalelo inokukunceda amayeza kagqirha anokungafikeleleki nakwinshurensi. Khangela nje ichiza lakho kwaye ufumane elona xabiso liphezulu- akukho zirhafu zifihliweyo zokujoyina okanye ukusebenzisa.