Asuransi Kesehatan Terbaik Dan Murah Umshuwalense wezempilo ngumshwalense ohlanganisa konke noma ingxenye yengozi yomuntu okubandakanya izindleko zezokwelapha, ekusakazeni ingozi phezu kwenani labantu. Ngokulinganisa ingozi enkulu yokunakekelwa kwempilo kanye nezindleko zezempilo ezisezingeni lokufaka ingozi, umshwalense angakha isakhiwo semali esijwayelekile, njengenhlawulo yenyanga noma intela yokukhokha, ukuhlinzeka ngemali ukukhokhela izinsizakalo zokunakekelwa kwezempilo ezichazwe kumshwalense isivumelwano. Inzuzo ilawulwa yinhlangano ephakathi enjenge-ejensi kahulumeni, ibhizinisi elizimele, noma inhlangano engeyona inzuzo. Ngokusho kwe-Health Insurance Association of America, umshuwalense wezempilo uchazwa ngokuthi “ukuhlinzekwa okuhlinzekela izinkokhelo zezinzuzo ngenxa yokugula noma ukulimala. Kubandakanya umshuwalense wokulahlekelwa yengozi, izindleko zezokwelapha, ukukhubazeka, noma ukufa okuphazamisekile” (isb. 225). Inqubomgomo yomshuwalense wezempilo iyinkontileka phakathi komhlinzeki womshuwalense (isb. Inkampani yomshuwalense noma uhulumeni) nomuntu noma umxhasi wakhe (isb. Umqashi noma inhlangano yomphakathi). Inkontileka ingabuyekezwa (isb. Njalo ngonyaka, njalo ngenyanga) noma impilo yonke emshuwalense wangasese, noma kube yinto edingekayo kubo bonke izakhamizi uma kwenzeka amapulani kazwelonke. Asuransi Kesehatan Terbaik Dan Murah
Asuransi Kesehatan Terbaik Dan Murah Inkokhelo yokukhokha kufanele ikhokhwe njalo lapho insizakalo ethile itholakala. U-Coinsurance: Esikhundleni salokho, noma ngaphezu kwalokho, ukukhokhisa inani elilinganiselwe phambili (ukukhokhelwa ngokubambisana), umshwalensi wesikhwama ngumaphesenti wezindleko eziphelele ukuthi umuntu okhokhelwayo angase akhokhe. Isibonelo, ilungu lingase likhokhelwe u-20% wezindleko zokuhlinzekwa ngaphezulu ngenkokhelo yokukhokha, kanti inkampani yomshuwalense ikhokha enye i-80%. Uma kunomkhawulo ongaphezulu onkoqobo, umninimgomo angaqeda ukukhokhwa kancane, noma okuningi, kuye ngokuthi izindleko zangempela zezinsizakalo azithola. Ukungabikho: Akuzona zonke izinsizakalo ezihlanganisiwe. Ngokuvamile abanikazi besikhwama kufanele bakhokhe izindleko ezigcwele zezinsizakalo ezingekho emaphaketheni abo. Imingcele yokuhlanganisa: Ezinye izinqubomgomo zomshuwalense wezempilo zikhokha kuphela ukunakekelwa kwezempilo kuze kube yilapho inani elithile lama dollar. Umuntu obhalisiwe angalindelwa ukukhokha noma yiziphi izinkokhelo okungaphezu kwenkokhelo enkulu yokuhlelwa kwezempilo yezinsizakalo ezithile. Ngaphezu kwalokho, ezinye izinkampani zomshuwalense zinezinkampani zonyaka wonke noma zesikhathi eside zokuphila. Kulezi zimo, uhlelo lwezempilo luzoyeka ukukhokha uma lufinyelela ekuzuzeni okuzuzayo futhi umnikazi wezinqubomgomo kufanele akhokhe zonke izindleko ezisele. Asuransi Kesehatan Terbaik Dan Murah