Njira Zomwe Zingakuthandizireni Kupeza ndi Kutetezedwa
Inshuwalansi ya moyo ndi njira yofunika yotetezera okondedwa anu mukamwalira. Kupeza ndondomeko yotsika mtengo kungakhale kovuta ngati muli okalamba kapena osakhala ndi thanzi labwino. Kwa ena omwe ali ndi matenda aakulu, amatha kuwonekera pafupi ndi zosatheka.
Ndi momwemo ndi anthu omwe ali ndi HIV. Mosasamala za momwe muliri wathanzi kapena momwe mulili ochiritsira, zosankha zanu lero ndizochepa ndipo nthawi zambiri zimakhala zodula kuposa momwe munthu wamba angayembekezere kulipira.
Izi sizikutanthauza kuti simungapeze inshuwalansi ya moyo; Nthawi zina, mungathe. Koma zoona zake n'zakuti inshuwalansi ya moyo yokhudzana ndi HIV ikhoza kukhala yotsika mtengo kwambiri, ngakhale yochulukirapo, yopangitsa kuti nkhaniyi isakhale yochulukirapo koma ingakwanitse.
Inshuwalansi ya Moyo Monga Tsankho?
Tiyeni tiyambe kufotokoza ngati: Inshuwalansi ndiyomwe yakhala yosasankhira. Makampani a inshuwalansi amapanga ndalama zawo ndi ziyeneretso zawo pazowopsa, ndikulemba mndandanda wa chiwerengero cha omwe ali ndi omwe alibe chiopsezo. Sakuyang'anirani ngati munthu payekha koma m'malo mwake zimakhala zovuta zomwe zingakuchititseni kuti mufe msinkhu kuposa momwe muyenera.
Kutalika kwake ndi kochepa ndikuti inshuwalansi ya moyo ndi maseŵera a betting, ndipo, kwa ambiri inshuwalansi, anthu omwe ali ndi kachilombo ka HIV ndi bethe yoyipa.
Koma kodi izi zikuwonetseratu zochitika kapena zosavomerezeka zopanda malire zomwe zimatsutsa anthu onse omwe ali ndi HIV? Pamene tikuyang'ana ziŵerengero zofunikira zokhuza moyo , tikudziwa motere:
- Malinga ndi kafukufuku wochokera ku North American AIDS Cohort Cooperation on Research and Design (NA-ACCORD), munthu wa zaka 20, yemwe ali ndi kachilombo ka HIV pa mankhwala ochepetsa kachilombo ka HIV angathe kuyembekezera kukhala m'zaka za m'ma 70s.
- Phunziro la 2014 la Multicenter AIDS Cohort Study (MACS) linalimbikitsanso zonenazo, potsirizira kuti anthu omwe ayamba kumwa mankhwala oyambirira (pamene CD4 yawo ili pamwamba pa 350) ayenera kukhala ndi chiyembekezo cha moyo chofanana kapena chachikulu kuposa anthu ambiri.
Poyerekeza, anthu omwe amasuta ameta ndekha zaka 10 pa moyo wawo . Ngakhale izi sizikutanthauza kuti sangawalangizedwe ndi inshuwalansi, sizidzangokhala zoletsedwa kapena zowonongeka zomwe zimakhala zosasuta ndi HIV.
Chifukwa Chimene Inshuwalansi Akukana Kuphimba Anthu Omwe Ali Ndi HIV
Ogwiritsira ntchito saliwona momwemo. Cholinga chawo ndi kukonza zoopsa ndi zosatsimikizika zomwe zingakhudze mbali zonse ziwirizo, ndipo, kwa iwo, chiŵerengero chikulemera kwambiri ndi anthu omwe ali ndi HIV. Taganizirani izi:
- Ngakhale kuti pali chiyembekezo cha moyo, anthu omwe ali ndi kachilombo ka HIV amakhala ndi matenda ambiri omwe alibe kachilombo ka HIV zaka zambiri asanakhale nawo. Mwachitsanzo, kupweteka kwa mtima kumakhala zaka 16 m'mbuyomo kusiyana ndi anthu ambiri, pamene khansa yosagonana ndi HIV imapezeka paliponse kuyambira zaka 10 mpaka 15 zisanachitike.
- Ngakhale kuti ziyembekezo za moyo wamba zakhala zikupezeka chifukwa cha mankhwala oyambitsidwa ndi tizilombo ta antiretroviral , palibe kusiyana kwakukulu pakati pa anthu omwe angathe kukhala ndi mphamvu yosawerengeka ya tizilombo . Masiku ano, pafupifupi 30 peresenti ya anthu omwe ali ndi kachilombo ka HIV amatha kupatsirana ndi kachilombo ka HIV, pamene osachepera theka amakhalabe osamalidwa.
Pamapeto pake, a inshuwalansi amanena kuti kaya akhale wabwino bwanji, sangathe kulamulira chinthu chimodzi chokhudzana ndi moyo wautali-kaya munthu angatenge mapiritsi ake kapena ayi.
Mwa njira zina, ndikatsutsana kanthawi kochepa kuti opatsirana kachilombo ka HIV ndi othandiza kwambiri komanso "kukhululukira" kuposa kale. Komabe, pamaso pa inshuwalansi, kasamalidwe ka matendawa kamayambitsa kachilombo ka HIV pamtundu womwewo ngati anthu omwe amakhala ndi mtima wokhutira mtima.
Kusiyana kokha ndikosowa kuti musadwale chifukwa cha matenda aakulu omwe muyenera kuletsedwa kuti mupeze inshuwaransi; muyenera kungokhala ndi HIV.
Moyo Wonse Womwe Umakhalapo Kwambiri Inshuwalansi kwa Anthu omwe ali ndi HIV
Lero, pali kampani imodzi ya inshuwalansi ku US yomwe imapereka chithandizo cha moyo wathunthu kwa anthu omwe ali ndi HIV.
Yakhazikitsidwa mogwirizana ndi Fortune 500 giant Prudential Financial, AEQUALIS ndi bungwe lodziimira palokha lomwe likuwongolera kupereka ndalama zothandizira anthu omwe ali ndi matendawa.
AEQUALIS pakali pano amapereka magalimoto anayi a inshuwalansi osiyanasiyana, omwe ali ndi zolemba zosiyanasiyana, zoperewera, ndi ziyeneretso zoyenera:
- Inshuwalansi ya moyo payekha ndi inshuwalansi yamuyaya yokhala ndi ndalama zokwana madola 100,000 kufika pa $ 4,000,000
- Sitifikepala yowonjezereka ya inshuwalansi yomwe sichifuna kuyeza kwachipatala ndipo ikupereka kufalitsa pakati pa $ 25,000 ndi $ 300,000
- Bungwe la inshuwalansi la moyo wanu wonse, likuyesa ndondomeko yoyamba, yomwe imapereka ndalama pakati pa $ 5,000 ndi $ 35,000 popanda kuwonjezeka kwa malipiro oyambirira
- Inshuwalansi ya moyo yowonjezereka yopanda chithandizo popanda kuchipatala kapena ntchito ya labu yomwe ikupezeka kuchokera ku $ 25,000 kufika pa $ 350,000
Ndibwino kuti zonsezi ziwoneke, pali zolemba zochepa zofunika kuzilemba:
- Choyamba, yang'anani kutchuka kwakukulu. Pogonjera ndondomeko ya inshuwalansi ya moyo wosatha, tinapempha ndalama zokwana madola 250,000 kwa munthu wina wazaka 55 yemwe ali ndi kachilombo ka HIV omwe analibe mbiri ya matenda, osasuta, ndi chiwerengero chosasinthika cha vutolo. Mndandanda wa telefoni unali woposa madola 650 pa mwezi, kapena pafupifupi kasanu zomwe munthuyo angapereke ngati alibe kachilombo ka HIV.
- Chachiwiri, ziyeneretso za kuvomereza siziri zophweka ngati zimveka. Mipukutu yofiira, mwachitsanzo, idzaukitsidwa ngati mwakhala mukulephera kusamalidwa kapena mukukhala kunja kwa nthawi yaitali. Zomwezo zimagwiranso ntchito ngati kachilombo ka CD4 kanu kakakhala pansi pa 200, ngati muli ndi chiwindi cha B kapena C (ngakhale mutachiritsidwa ), kapena ngati munakhalapo ndi vuto lalikulu.
Ngakhale kuti simukuyenera kuulula zinthu izi, sipangakhale njira yozibisa. Ngakhale mutasankha kuti "palibe ndondomeko yoyezetsa zachipatala", musaganize kuti inshuwalansi idzakutengerani m'mawu anu.
Mukamaliza kuyankhulana koyambirira, sitepe yotsatira iyenera kukhala yoyendera ndi Medical Information Bureau (MIB) ndikupempha kuti mutsimikizire mbiri yanu yachipatala kuchokera kwa wothandizira wanu wamkulu. Kuti muvomerezedwe, mungafunikire kulemba pazowonjezera mauthenga awa ndi ena achipatala.
Ngakhale kukhala ndi mbendera yofiira sikukutanthauza kuti mudzakanidwa, zingakuwonjezereni malipiro anu pamwezi kapena kuchepetsa mwayi wanu wopeza inshuwalansi.
Other Inshuwalansi ya Moyo Inshuwalansi
Ngati inshuwalansi ya moyo siidali kwa inu, palinso zinthu zambiri zomwe mungathe kuzifufuza. Kawirikawiri, iwo sangakupatseni mwayi wapamwamba wa imfa monga ndondomeko yaumwini, koma angakhale okwanira kuti apeze ndalama zina (monga maliro kapena maphunziro a maphunziro) muyenera kufa.
Zina mwazinthu zothandiza kwambiri:
- Inshuwalansi yamoyo ya magulu a antchito angaperekedwe ndi kampani yanu, nthawi zina kwa wogwira ntchito kapena mnzanuyo. Zopindulitsa za imfa zimakhala madola 10,000 kwa wogwira ntchito ndi $ 5,000 kwa mwamuna kapena mkazi wake. Monga ndondomeko ya gulu, ndalama zimakhala zosakwera mtengo.
- Inshuwalansi ya moyo wodzipereka kuchokera kwa abwana ndi njira ina yoperekedwa ndi makampani akuluakulu, kulola ogwira ntchito (ndi nthawi zina mwamuna kapena mkazi wawo) kukhala ndi moyo popanda umboni wosatsutsika. Zina mwazinthu izi zimapereka phindu la imfa mpaka $ 100,000.
- Inshuwalansi yotsimikiziridwa ya moyo inshuwalansi (yomwe imadziwika kuti ndondomeko yovomerezeka yolandirira) ndi yaing'ono, ndondomeko zonse za moyo zomwe zimapindula ndi imfa imfa iliyonse kuyambira $ 5,000 mpaka $ 25,000. Kawirikawiri, palibe mafunso okhudzana ndi thanzi ndi kuvomerezedwa. Momwemonso, mapepala adzakhala apamwamba komanso opindula mokwanira sangathe kuwombera mpaka zaka chimodzi kapena ziwiri pambuyo pa Tsiku Lokwanira.
Ngati zosankha zina zonse zikulephera, mukhoza kugwiritsa ntchito ndondomeko yamaliro a maliro omwe amatha kulipira (omwe amadziwikanso ngati ndondomeko yoyenera kufunika). Izi zimagulitsidwa kudzera m'mapando a maliro ndipo zimakulolani kulipira ngongole kapena mapulani. Nyumba zina za maliro zidzasungira ndalama zanu mu thumba la chikhulupiliro zimayambitsa kumasulidwa pa imfa yanu; ena adzalandira inshuwalansi kudziyesa okha opindula.
Kodi Mukufunikira Inshuwalansi ya Moyo?
Ngati mukukumana ndi kukana inshuwalansi ya moyo, mungafunike kuganizira momwe mungasinthire cholinga chanu chokonzekera ntchito. Izi ndizoona ngati muli ndi thanzi labwino ndipo mukugwirabe ntchito.
Mabungwe ambiri ayamba kupereka mapulogalamu omwe amakhudza ubwino wa nthawi yayitali wa anthu omwe ali ndi HIV. Mmodzi mwa iwo ndi Manhattan-based New York Life, yomwe idakhazikitsa bungwe la "Positive Planning" kuti liphunzitse antchito ake okwana 11,000 pokhudzana ndi zosowa zachuma.
Mabungwe ambiri omwe ali ndi kachilombo ka HIV mumidzi amapereka mapulogalamu ofanana, omwe amalola makasitomala kuti apite ku masemina aulere kapena kukakumana ndi akatswiri a zachuma paokha. Mukhozanso kufufuza ndi makoleji ammudzi, zomwe zambiri zimapereka maphunziro othandizira kupuma pantchito.
Kaya mungathe kupeza inshuwalansi ya moyo kapena ayi, chinthu chofunika kwambiri chomwe mungachite ndi kukonzekera kutali kwambiri kuti muthetsere mbali iliyonse ya kuchoka kwanu, osati imfa yanu basi.
> Zotsatira:
> Zolinga za Kuletsa ndi Kuteteza Matenda. "CDC Fact Sheet | HIV ku United States: Maphunziro a Care ." Atlanta, Georgia; inasindikizidwa mwezi wa July 2012.
> Hasse, B ,; Ledergerber, B ;; Egger, M., ndi al. "Kukalamba ndi (Osagwirizana ndi kachilombo ka HIV) Kusokoneza anthu omwe ali ndi kachilombo ka HIV: Phunziro la Swiss Cohort (SHCS)." Msonkhano wa 18 wa Retroviruses ndi Matenda Opondereza (CROI) Boston, Massachusetts, February 27-March 2, 2011 ; zomveka 792.
> Hogg, R .; Althoff, K .; Samji, H ;; et al. "Kuwonjezeka kwa chiyembekezo cha moyo pakati pa anthu omwe ali ndi kachilombo ka HIV ku United States ndi Canada, 2000-2007." 7th International AIDS Society (IAS) Msonkhano wa Pathogenesis, Treatment, ndi Prevention. Kuala Lumpur, Malaysia. June 30-July 3, 2013; Mfundo TUPE260.
> Jha, P .; Ramasundarahettige, C .; Landsman, V .; et al. "Kuopsa kwa Zaka za zana la 21 Kusuta ndi Kupindula Kwa Kutha ku United States." New England Journal of Medicine. 2013; 368: 341-350.
> Sabin, C. "Kodi anthu omwe ali ndi kachilombo ka HIV amakhala ndi chiyembekezo chokhala ndi moyo nthawi zonse?" Biomed Central Medicine . 2013; 11: 251.