Kugawana Malipiro ndi Company Inshuwalansi
Kumvetsa inshuwalansi ya zachipatala kungakhale chinthu chovuta ndi mawu osokoneza. Mmodzi wa iwo ndi mawu oti 'kulimbikitsa.' Mukutanthauzira kwake kwakukulu, izi zikutanthauza kuti mugawana mtengo wa mankhwala ndi kampani yanu ya inshuwaransi.
Coinsurance ili ndi ubwino wake, monga kuchepetsa malipiro a mwezi uliwonse, koma kungatanthawuze kuti mumalipira zambiri kunja kwa mthumba mpaka mutha kufika padera pachaka.
Inde, palinso phindu kwa kampani ya inshuwalansi. Musanagule ndondomeko yatsopano, nkofunika kumvetsetsa chomwe chitsimikizo chiri.
Kodi Coinsurance Ndi Chiyani?
Ngakhale mutakhala ndi inshuwalansi ya umoyo , mukhalabe ndi udindo wolipira gawo linalake la chisamaliro chomwe mukuchifuna, kaya ndikumaliza dokotala, mayesero, kuchipatala, kapena mankhwala enaake. Inu simukuchoka kwathunthu pa khokwe pamene mubwera kulipira inshuwalansi.
Mtundu wapadera wa mtundu uwu wa kulipira nawo mbali umatchedwa coinsurance. Ndilimbikitsiro, munthu yemwe ali ndi inshuwalansi amagawana zina mwa malipiro omwe amaperekedwa pa bili kapena pempho la inshuwalansi. Pachiyambi chake, ndalama zowonjezera zimangotanthauza kufalitsa ndondomeko ya inshuwalansi pakati pa magulu angapo.
Miyeso ya Coinsurance
Coinsurance nthawi zambiri amaikidwa monga peresenti ya ndalama zonse zomwe ayenera kulipira.
Chiwerengero chimenecho ndi udindo wanu pa nthawi iliyonse ya chisamaliro.
Mwachitsanzo, inshuwalansi yanu ikhoza kukhala pa 80/20, zomwe zikutanthauza kuti kampani ya inshuwalansi imalipira 80 peresenti ya ndalama zonsezo ndipo mumalipira otsala 20 peresenti. Coinsurance ikhoza kukhala pafupifupi 50 peresenti ya mapulani a inshuwalansi. Ngati muli ndi ndondomeko yapamwamba yochepetsera thanzi , ikhoza kukwera mpaka kufika 100 peresenti kufika pa ndalama zanu zonse.
Komabe, kuchuluka kwa chiwerengero chomwe mukuyenera kulipira, ndi ((ndalama) zochepa mtengo wanu wa mwezi uliwonse. Ngati mutapereka zambiri pazinthu zaumwini, mungathe kulipira zochepa pamwezi uliwonse.
Mmene Kugawana Kumagwirira Ntchito
Tiye tikambirane kuti mumapita kwa dokotala wanu kuti muyambe kuchita chizoloŵezi ndipo pulogalamu yanu yonseyi ndi $ 125. Mwinamwake mwalipira kale $ 25 copay. Akagwiritsidwa ntchito, copay iyi imachepetsa ndalama zoyambirira kuchokera $ 125 mpaka $ 100. Ndalama zanu zopangidwa ndi inshuwalansi ndi 80/20, zomwe zikutanthauza kuti tsopano mukuyenera kulipira 20 peresenti ya ndalama zokwana madola 100, zomwe zimakhala $ 20.
Kotero, mtengo wanu wonse wa ulendo unali $ 25 copay komanso ndalama zokwanira $ 20 zothandizira, zomwe zimachokera ku $ 45.
Zifukwa za Kulimbikitsana
Pali zifukwa zikuluzikulu ziwiri zomwe makampani a inshuwalansi amagwiritsira ntchito ndalama. Zimachepetsa ndalama zomwe ayenera kulipira chifukwa cha chisamaliro chanu. Pa nthawi yomweyi, zimakulepheretsani kuona dokotala wanu kapena kufuna chithandizo chifukwa amadziwa kuti ngati mukuyenera kulipira gawo lina, simungathe kuwasamalira.
Mosiyana ndi copays ambiri , coinsurance amathandiza kuti wanu deductible. Mukatha kufika padera lanu, simungathe kukhala ndi udindo uliwonse wothandizira ndalama zanu nthawi zonse (nthawi zambiri pamapeto a chaka chachuma).
Onetsetsani kuti muphatikize mtengo wa chitsimikizo pamene mukuganiza kuti ndondomeko ya inshuwalansi yothandizira kuti muisankhe, kaya ndi ndondomeko ya munthu kapena pa nthawi yolembera .