Chakumapeto kwa kalendala iliyonse, mwinamwake mumayamba kumva kuchokera ku dipatimenti ya abambo anu kapena kwa inshuwalansi ndi olipidwa omwe amayang'anitsitsa zaumoyo wanu za momwe mudzayenera kulipilira pa chaka chino. Chaka chilichonse zikondwererozi zimakula, nthawi zina ndi mairi awiri. Nchifukwa chiyani inshuwalansi ya thanzi ndi yokwera mtengo?
Ndipo n'chifukwa chiyani mumayenera kulipira chaka chilichonse, ngakhale mutakhala wathanzi?
Chifukwa chiyani ma inshuwalansi a inshuwalansi akuwonjezeka
Ndalama za inshuwalansi ya umoyo zimapita chifukwa kuchuluka kwa ndalama zamankhwala kumawonjezeka Madokotala amafunika kulipidwa kwambiri, mankhwala osokoneza bongo ndi okwera mtengo, kuyesa zamakono kumapanga zovuta kwambiri komanso zodula, ndi zina zotero. Ngati timvetsetsa momwe inshuwalansi zaumoyo zimakhalira malipiro awo apachaka, ndizomveka kumvetsa chifukwa chake zimakhala zodula, ngakhale tikakhala ndi thanzi labwino.
Momwe Zomwe Zimayendera Zimatsimikizika
Chaka chilichonse, inshuwalansiyo imapanga mbiri ya odwala ake, kenako amawerengera kuti ndalamazo zimakhala zotani. Mwachitsanzo, mbiri ina ikhoza kukhala ya ana amuna, zaka 2 mpaka 6. Wopereka inshuwalansi adzapeza chiwerengero cha maulendo omwe adokotala amawachezera, omwe ali ndi katemera angati, nthawi zingati adzagwa ndikusowa zofunikira, ndi zina zotero. .
Maonekedwe ena angakhale a mkazi wa zaka zapakati pa 45 mpaka 55. Mzimayiyu adzafunika kufufuza, mamemografia , mwina colonoscopy kapena scan .
Adzafunika kuyesedwa magazi kwa shuga kapena kolesterolo. Ngati ali ndi thanzi labwino, akhoza kuyesetsabe kumwa mankhwala amodzi kapena angapo, mwinamwake ngati chilembo kuti athetse mavuto a mtima.
Wa inshuwalansi adzayembekezeranso kuchuluka kwa opaleshoni, mayesero a zamankhwala, ngozi, ndi zina zomwe zingafunikire kuchipatala kwa odwala omwe ali nawo.
Pogwiritsira ntchito mauthenga awo, kuchulukitsidwa ndi chiwerengero cha odwala omwe akuyembekeza kutsimikizira kwa aliyense, inshuwalansi akhoza kulingalira kuti ndalama zake zidzakhala zotani. Zowonjezera kwa ndalama ndi phindu zidzawonjezedwa ku chiwerengero. Ndiye adzachita masamu kuti apeze ndalama zambiri pa wodwala kapena m'banja. Izi zidzakhala malipiro anu pachaka.
Munthu aliyense kapena banja lidzalipira malipiro omwewo, mosasamala za thanzi la munthu kapena banja.
Kodi Maphwando Anu a Inshuwalansi Zaumoyo Alidi Opindulitsa?
- Ngati muli ogwira ntchito, ndiye kuti inu ndi abwana anu mukhoza kugawana mtengo wanu. Ngati mulibe abwana kukuthandizani kulipira malipiro anu, ndalama zonsezi zidzakhala zanu.
- Ngati muli ndi thanzi labwino , ndiye kuti ndalama zanu zamtengo wapatali zidzakhala zochuluka kwambiri kuposa zomwe zingakuchititseni kuti muzisamalira nthawi yonse ya chaka. Inu mukhoza kulipira zikwi za madola, ndipo mumafunikira ulendo umodzi wokha kwa dokotala kapena mankhwala amodzi. Mumagwiritsa ntchito ndalamazo pamalopo chifukwa simukufuna kuika malipirowo pangozi yaikulu kapena matenda aakulu.
- Ngati mulibe thanzi labwino komanso lakale kwambiri , kutanthauza kuti kuyang'anitsitsa kwina kulimbikitsidwa chaka chilichonse, ndiye kuti mungatulukemo ngakhale. Ndalama zanu zikwi zingapo pamapayipi angakhale pafupi ndi mtengo weniweni ngati mutapereka mthumba kwa mayesero ndi maulendo oyenda. Komabe, mumagwiritsa ntchito ndalamazo chifukwa simukufuna kuwononga ndalama zambiri ngati mukudwala matenda ovuta kapena kukhumudwa kugwa kapena ngozi ina.
- Ngati mukudwala , makamaka ngati ndinu okalamba ndi odwala, ndiye kuti ndalama zanu za inshuwalansi zidzakhala zenizeni. Kwa omwe ali ndi matenda aakulu omwe ali ndi matenda a shuga kapena matenda a mtima, kapena munthu amene akupezeka ndi khansa kapena matenda owonongeko, mtengo wanu weniweni wa chisamaliro, ngati mutapereka kuchokera mu thumba lanu, mukhoza kukhala madola zikwi mazana ambiri.
- Ngati muli ndi zaka zoposa 65 ndipo mutalandira Medicare, kulandira chithandizo chanu kudzakhala mphepo yeniyeni. Mudzapeza chisamaliro chomwe mukufunikira chifukwa chakuti mwatha zaka zapuma pantchito. Kwa ambiri, mwakhala mukulipiritsa ndalamazo muntchito yanu yonse. Koma ngati muli ndi matenda aakulu kapena mukupezeka ndi matenda alionse olepheretsa, kubwerera kwanu pa ndalama zonse zomwe mukukhalazo zidzakhala zazikulu.
Chithunzi Chachikulu pa Maphwando a Inshuwalansi Zaumoyo
Tsopano tiyeni tiwone chithunzi chachikulu-chiwerengero cha dziko lonse. Anthu athu akukalamba, ndipo pamene gulu lonse likukula, gulu lonse likusowa chithandizo chamankhwala ambiri. Anthu achikulire akhala ndi matenda aakulu nthawi zonse. Iwo ali ovuta kwambiri ku matenda oopsya moyo monga khansa kapena matenda a Alzheimers kuposa achinyamata.
Ana atsopano akubadwa, ndithudi. Koma tikulinso ndi zochitika zapamwamba za ana omwe ali ndi autism ndi mavuto ena omwe amachititsa kuti phindu la chisamaliro cha anthu onse liwonongeke.
Anthu ochuluka sangathe kulipira mtengo wa inshuwaransi. Makamaka nthawi zovuta zachuma, anthu ochepa omwe amagula inshuwalansi amachepetsa ndalama zambiri kwa iwo amene amagula malonda.
Kodi Tingachite Chiyani Kuti Tilepetse Mtengo wa Maphwando a Inshuwalansi?
Choyamba, dziwani kuti kuchepetsa mtengo wa inshuwalansi sikufanana ndi kuchepetsa mtengo wa chithandizo chaumoyo ambiri kwa ife monga aliyense kapena mabanja. Mtengo wa chithandizo chamankhwala ukufalikira kudera lonselo monga momwe tafotokozera pamwambapa.
Chachiwiri, ngati muli mu "odwala" omwe tatchulidwa pamwambapa, kapena gulu la zaka zoposa 65, ndiye kuti simungathe kupeza chithandizo chamankhwala mochepa kusiyana ndi zomwe mukulipira tsopano.
Anthu omwe ali ndi thanzi labwino, kapena omwe ali ndi mwayi wopitilira ndondomeko imodzi kupyolera mwa abwana awo akhoza kukhala ndi mphamvu payekha mtengo wa inshuwalansi, kuphatikizapo mtengo wolipilira ndalama zothandizira ndalama, zomwe zimaperekedwa kwa ndalama zothandizira ndalama, ndipo amawalipira, motere:
- Chaka chilichonse pa nthawi ya inshuwalansi ya inshuwalansi kwa chaka chotsatira, kapena panthawi yomwe mutasintha ntchito kapena chifukwa china chilichonse chosinthira inshuwalansi, pangani nthawi kuti muyese ndondomeko yosankha njira yabwino kwambiri. Malingana ndi zosowa zanu, ndalama zowonjezera sizingakhale zofunikira kwambiri pazinthu zanu.
- Taganizirani inshuwalansi yapamwamba yowonongeka . Mapulaniwa ali ndi malipiro otsika kwambiri ndipo amagwira ntchito bwino kwa anthu omwe ali ndi thanzi labwino. Ngati mutasankha imodzi mwa mapulaniwa, mungasankhe kugwiritsa ntchito Akaunti ya Umoyo Wosungirako Umoyo yomwe ndi njira yopangira ndalama zowonjezera msonkho ndipo zimakuthandizani kuti musunge ndalama zomwe mungafunike pakapita nthawi kuti mupeze ndalama. Ikuthandizani kuchepetsa kuchuluka kwa ndalama zomwe zimatumizidwa kwa inshuwalansi ngati mawonekedwe apamwamba.
- Onetsetsani kuti ndinu oyenerera pulogalamu ya chithandizo chachipatala monga Medicaid kapena ena. Dziko lililonse liri ndi mapulogalamu osiyanasiyana.
Mafunso Owonjezera a Inshuwalansi Mafunso
- Nchifukwa chiyani inshuwalansi yanga sichitha madokotala omwe ndikufuna kuti ndiwone ?
- Chifukwa chiyani inshuwalansi yanga sichikuthandizani njira zina zochizira zomwe ndikuzifuna?
- Nchifukwa chiyani kampani ya inshuwalansi ya inshuwalansi inandilepheretsa kufalitsa ?