Ixabiso le-Ling Lidar Lihlambulelo: Ukukhokela okubanzi kwemali Eli nqaku liphonononga izinto ezahlukeneyo ekuphembelela kwixabiso le Ixabiso eliphantsi lomhlaza womhlaza, kubandakanya iindlela zonyango, indawo, kunye neinshurensi yokugubungela. Ikwabonelela ngezixhobo kunye nezicwangciso zokulawula iindleko.

Ukuqonda indleko zonyango lwe-LIVU

Ixabiso le Ixabiso eliphantsi lomhlaza womhlaza iyahluka ngokuxhomekeke kwizinto ezininzi. Ezi zinto zibandakanya inqanaba lomhlaza, uhlobo lonyango olufunekayo, impilo epheleleyo yesigulana, kunye nendawo yonyango. Ukufunyanwa kwangoko kunye nonyango oluncinci olunamanyala ngokubanzi lubangela iindleko eziphantsi. Nangona kunjalo, nokuba ukhetho lwexabiso eliphantsi lunokubandakanya iindleko ezifihliweyo, ukwenza ngononophelo kubalulekile. Esi sikhokelo sinenjongo yokubonelela ngokuqonda ngokucacileyo imiba yezemali yononophelo lomhlaza lemiphunga, ukuxhobisa abaguli kunye neentsapho zabo ukwenza izigqibo ezinolwazi.

Izinto ezichaphazela iindleko zonyango lwe-Lungs

Izinketho zoNyango

Unyango lwemiphunga lomhlaza ohlukeneyo lune tags ezahlukeneyo zexabiso. Utyando, ngokufuthi unyango olubizayo, lulandelwa nguChemotherapy, unyango lwe-radiation, unyango olujolisiweyo, kunye nonyango. Ukhetho lonyango luxhomekeke kakhulu kwinqanaba lomhlaza, impilo ngokubanzi, kunye nezinto zomlingane. Amayeza athile asetyenziswe kwicandelo ngalinye lonyango (i.G., iziyobisi ze-chemotherapy eyahlukileyo) ikwachaphazela nendleko. Umzekelo, unyango olujolisiweyo kunye nogonyo, ngelixa lusebenza kakhulu, lunokubiza kakhulu kune-chemotherapy yesiqhelo. Ukuqhekezwa okuneenkcukacha zendleko zonyango, ukubonisana ne-oncologist yakho kunye nomnikezeli weinshurensi kubalulekile.

Indawo yeJografi

Ixabiso le Ixabiso eliphantsi lomhlaza womhlaza ingahluka ngokungummangaliso kuxhomekeka kwindawo yendawo. Iindleko zonyango kwiindawo ezisezidolophini ezinoluxinzelelo oluphezulu lwamaziko amaziko awodwa amaziko awodwa ekhethekileyo athambekele kunakwiindawo ezisemaphandleni. Ixabiso lokuphila, umboneleli woMboneleli wezeMpilo, kunye nezibhedlele zonke zinegalelo kolu mafutha. Izigulana zinokuthatha ingqalelo yokufuna unyango kwiindawo ezinendleko zokhathalelo lwempilo, kodwa kubalulekile ukulinganisa ukonga indleko ngokuchasene nomgangatho wokhathalelo kunye nokufikelela kwiingcali.

I-Inshurensi yeinshurensi

I-Inshurensi yezeMpilo ichaphazela kakhulu iindleko zepokotho zepokotho ye-LIVLE. Ubungakanani bokugubungela buxhomekeke kwisicwangciso esithile, nokuba yi-inshurensi yabucala okanye yoluntu, kunye neemeko zangaphambili. Izigulana kufuneka ziphonononge ngokungacwangciswanga imigaqo-nkqubo yabo yeinshurensi yokuqonda imida yabo yokugubungela, ii-carcables, kunye ne-Co-Pays. Iinkampani ezininzi zeinshurensi zibonelela ngeenkqubo zokufumana uncedo ukunceda ukulawula iindleko zonyango lomhlaza. Ukuphonononga ezi nkqubo ecaleni kokubonisana nengcali yeinshurensi linyathelo elibalulekileyo lokulawula umthwalo wezezimali.

Iindleko ezongeziweyo ngaphaya konyango

Ngaphandle kweendleko ngqo zenkqubo yezonyango kunye namayeza, kukho iindleko ezongezelelweyo ekufuneka ziqwalaselwe. Oku kubandakanya iindleko zokuhamba kunye nokuqeshwa konyango, iindleko zamayeza (kubandakanya ezo zingagutyungelwanga yi-inshurensi), iindleko ezinxulumene nokubekwa kweliso kunye nokuqeshwa okulandelayo, kunye neenkcitho ezinxulumene nokuxhaswa kwezempilo. Ezi ndleko zifihlakeleyo zinokongeza ngokungcono ngexesha lonyango, ngoko ke uhlahlo-lwabiwo mali kunye nokucwangcisa ezi ndleko zongezelelweyo kubalulekile.

Izicwangciso zokulawulwa kweendleko zonyango lwe-LIVU

Ukulawula umthwalo wemali wonyango lomhlaza wemiphunga kufuna ucwangciso olusebenzayo kunye nobuchule bokuqonda. Izicwangciso ezininzi zinokunceda ukunciphisa iindleko:

Iinkqubo zoncedo lwezezimali

Imibutho emininzi inikezela ngeenkqubo zoncedo lwezezimali ukunceda izigulana ezihlawula iindleko zonyango lomhlaza. Ezi nkqubo zinokuhlawula amatyala ezonyango, iindleko zamayeza, okanye iindleko zokuhamba. Kubalulekile ukuba uphawule iinkqubo ezikhoyo, ezinjengezo zibonelelwa ziinkampani zamachiza, imibutho ethululweyo kunye neearhente zikarhulumente. Ezinye izibhedlele nazo zikwanazo neenkqubo zabo zoncedo lwezezimali kwizigulana ezijongene nobunzima bemali. I IZiko loPhando lweShandong Baeo yenye yendawo enjalo idla ngokubonelela ngoluhlu lweenketho zenkxaso.

Ukuxoxisa iindleko zezonyango

Ukubiza iindleko zonyango kunokunciphisa kakhulu iindleko zepokotho. Kubandakanya ukuqhakamshelana nezibhedlele kunye nabanikezeli bezonyango ukuxoxa ngeendlela zokuhlawula kunye nezaphulelo ezinokubakho. Amaziko amaninzi azimisele ukusebenza nezigulana ukuba enze isicwangciso sokuhlawula okanye ukubonelela ngamaxabiso ancitshisiweyo. Khumbula ukusoloko ubhala lonke unxibelelwano nezivumelwano ngokubhala.

Ukufumana unyango olufikelelekayo lomhlaza

Ukufumana ifikelelekayo Ixabiso eliphantsi lomhlaza womhlaza ifuna indlela eninzi. Oku kubandakanya ukuphanda ngeendlela zonyango, uqwalasela iindawo ezahlukeneyo zejografi, ukuqonda kweinshurensi, kunye nokuhlola iinkqubo zoncedo lwezezimali. Uphando olucokisekileyo, unxibelelwano oluvulekileyo nababoneleli bezempilo, kunye nokucwangciswa kwezempilo kubalulekile ekuhambeni ubunzima bemali yonyango lomhlaza wemiphunga. Khumbula, ukufuna uxilongo lwangaphambi kwexesha lungakhokelela ekunciphiseni izikutyelelo ezingaphezulu kakhulu nangakumbi.

Iphepha elichazayo: Iindidi zeendleko ezinikezelweyo ziqikelelwa kwaye azinakubonakalisa iindleko. Nxibelelana nomboneleli wakho wezempilo kunye nenkampani yeinshurensi yolwazi lwamaxabiso ngokuchanekileyo.

Qaphela: Olu lwazi luyinjongo yemfundo kuphela kwaye alunangqondo. Soloko unxibelelana nengcali yezempilo efanelekileyo kuyo nayiphi na inkxalabo yezempilo okanye ngaphambi kokwenza naziphi na izigqibo ezinxulumene nempilo yakho okanye unyango.