Chifukwa Chimene Mungafunikirenso Kulipira Ngakhale Mutakumana ndi Thandizo Lanu Labwino Deductible
Coinsurance ndi kuchuluka kwa ndalama zomwe wodwalayo akuyenera kulipira payekha ya inshuwalansi biyiti pamene apereka inshuwalansi ya chithandizo cha inshuwalansi.
Kodi Coinsurance Ndi Chiyani?
Ena omwe amapereka inshuwaransi ya umoyo amafuna kuti wodwala azilipira kuchuluka kwa mtengo wa ntchito zokhudzana ndi umoyo wokhudzana ndi zaumoyo. Izi ndizowonjezera. Chigwirizano cha ndalama nthawi zambiri chimakhala pafupifupi 20% mpaka 30 peresenti ya zomwe ndondomeko ya umoyo imavomereza.
Mapulani azaumoyo adzalipira 70% mpaka 80% otsala. Ndalama zothandizira ndalamazi zimagwiritsidwa ntchito kupatula pa deductible, yomwe imayenera kulipidwa isanafike kampani ya inshuwalansi ikulipira chirichonse pamapeto pake. Pambuyo pa deductible ikhopidwa mokwanira iwe ugawana ndalama za chisamaliro chako ndi ndondomeko yaumoyo wako polipira ndalama.
Pano pali chitsanzo cha momwe kulimbikitsira ndalama kungagwire ntchito:
Bambo Jones ali ndi ndondomeko ya thanzi la banja ndi ndalama zokwana $ 500 pachaka komanso 20% coinsurance. Mu February, mkazi wake ndi ana awiri adachotsedwa kwa dokotala wawo wa banja. Bambo Jones analipira dokotala pazinthu izi, zomwe zinagula madola 510. Mu March, mmodzi mwa anawo adadwala ndipo mtengo wa ulendo wa ofesi inali $ 50. Kuchokera pa chaka chomwe chinaperekedwa chaka chonse, dongosolo la thanzi linapereka dokotala $ 40 (80%) ndipo Bambo Jones adalipira dokotala $ 10 (20%)
Kutalika Kwambiri kwa Pocket
Coinsurance imagwiritsidwa ntchito pafupipafupi chaka chonse cha wodwalayo.
Pakati pa ndalama zapakati pa chaka chonse ndizopambana kapena kampani yonse ya inshuwalansi imafuna kuti wodwalayo azilipira yekha pa mtengo wake wonse wa chisamaliro chawo .
Pokhapokha ngati wodwalayo atapatsidwa ndalama, ndalama zothandizira ndalama, komanso ndalama zothandizira ndalama kwa chaka chimodzi zimaphatikizapo ndalama zowonjezereka, zomwe wodwalayo akugawana nazozo zimatha kumapeto kwa chaka chomwecho.
Pambuyo pokwaniritsa kukwera kwa mthumba, dongosolo la thanzi likutenga ndalama zonse zowonongeka pa intaneti kwa chaka chotsalira.
Kuwerengera Zaumoyo Wanu Wa Inshuwalansi
Zowonongeka ndi zolipilira ndi ndalama zokwanira. Choncho, sikovuta kuwerengera kuti kulipira ngongole kotani. Kulipidwa kwa $ 50 kwa mankhwalawa kudzawononga $ 50 mosasamala kanthu. Kuwerengera ndalama za inshuwalansi ya umoyo ndizosiyana kwambiri, ndipo zimakhala zovuta kwambiri, monga ndalama zothandizira ndalama ndi peresenti ya mtengo wake wonse wa utumiki, osati ndalama zokwanira. Choncho, kulimbikitsana kwakukulu kumakhala kosiyana ndi ntchito iliyonse yomwe inalandira. Ngati ntchito yothandizira zaumoyo imalandira ndi yotsika mtengo, ndiye kuti ndalama zothandizira ndalama zidzakhala zotsika mtengo. Komabe, ngati chithandizo chamankhwala cholandira chinkakwera mtengo, ndalama zothandizira ndalamazo zidzatha kukhala zodula komanso.
Phunzirani kuwerengera ndalama za inshuwalansi ya umoyo wanu .