Ukuqonda nokuphatha izindleko ze-athikili yezomdlavuza yomdlavuza wezinso kunikeza imininingwane ebalulekile mayelana nokuphatha izici zezezimali ze umdlavuza oshibhile wezinso ukwelashwa. Sihlola izindlela ezahlukahlukene zokunciphisa izindleko, kufaka phakathi ukumbozwa komshuwalense, izinhlelo zosizo lwezezimali, nezinketho zokwelashwa. Kubalulekile ukukhumbula ukuthi ngenkathi ukuthengiswa kuyinto ekhathazayo enkulu, ukwelashwa okusebenzayo kuhlala kubaluleke kakhulu.

Izinketho ezingabizi zokwelashwa komdlavuza wezinso

Ukubhekana nokuxilongwa komdlavuza wezinso kungaba nzima, futhi umthwalo wezezimali wengeza olunye ungqimba lobunzima. Izindleko zokwelashwa zingahluka kakhulu ngokuya ngesigaba somdlavuza, uhlobo lokwelashwa oludingekayo, kanye nezimo zakho. Lo mhlahlandlela uhlose ukukhanyisela ngezindlela zokuhamba ngezinselelo zezezimali ezihambisana umdlavuza oshibhile wezinso Ukwelashwa futhi kukusize uthole izinketho ezingabizi.

Ukuqonda izindleko

Izici ezithonya izindleko zokwelashwa

Kunezici eziningana ezibangela izindleko eziphelele ze umdlavuza oshibhile wezinso ukwelashwa. Lokhu kufaka phakathi:

• Isigaba somdlavuza: Umdlavuza wezinso wakuqala ngokuvamile abiza kakhulu ukwelapha kunomdlavuza we-advert-space.
• Uhlobo Lokwelashwa: Ukushushiswa okuhlinza, ukwelashwa kwemisebe, i-chemotherapy, kanye nokwelashwa okuhlosiwe bonke banezindleko ezahlukahlukene.
• Ubude bokwelashwa: Isikhathi sokwelashwa sithinta kakhulu izindleko eziphelele.
• Isibhedlela kanye ne-Physicia Fakes: Izindleko ziyahlukahluka ngokususelwa endaweni yendawo kanye nesikhungo esithile sezokwelapha.
• Izindleko zokwelapha: Izindleko zemithi kadokotela ingaba yinto enkulu.

Ukuhlola Izinketho Zokwelashwa Ezingabizi

Izinqubo ezihlaselayo kancane

Amasu wokuhlanza kancane, njenge-Laparoscopic noma ukuhlinzwa kwamarobhothi, imvamisa kubangele ukuhlala emfushane kwezikhathi nezikhathi zokutakula ngokushesha, ezehlisa izindleko ziqhathaniswa nokuhlinzwa okuvulekile. Xhumana ne-Oncologist yakho ukuze uxoxe ngokufanele kwalezi zinketho zesimo sakho esithile.

Ukwelashwa okuhlosiwe

Izindlela zokwelapha ezihlosiwe zenzelwe ukuhlasela amaseli womdlavuza ngenkathi zisindisa amaseli anempilo, ngokunciphisa isidingo sokwelashwa okubanzi ngokwengeziwe nokubizayo. Kodwa-ke, izindleko zokulashwa okuhlosiwe zisengabaluleka. Xoxa ngemali yokusebenza kwezindleko zezokwelapha ezihlosiwe ezihlosiwe nomhlinzeki wakho wezokunakekelwa kwempilo.

Izilingo Zomtholampilo

Ukubamba iqhaza kwezivivinyo zemitholampilo kunganikeza ukufinyelela kwezindlela zokwelashwa ezintsha ezincishisiwe noma azikho izindleko. Uvivinyo lwezemitholampilo luhlola ukuphepha nokusebenza kahle kwezidakamizwa ezintsha kanye nokwelashwa, kuvame ukunikela ngeziguli ithuba lokuthola ukwelashwa okuma eceleni ngenkathi kufaka isandla ekuthuthukisweni kwezokwelashwa. Udokotela wakho angakwazisa ngezivivinyo zomtholampilo ezifanele.

Izinhlelo Zosizo Kwezezimali

Ukumboza umshwalense

Ukuqonda ukumbozwa komshuwalense wakho wezempilo kubalulekile. Buyekeza inqubomgomo yakho ngokucophelela ukuthola ukuthi yiliphi iphesenti lakho umdlavuza oshibhile wezinso Izindleko zokwelashwa zizombozwa. Xhumana nomhlinzeki wakho womshuwalense ukucacisa noma yiziphi izidingo futhi uxoxe ngezindleko ezingabakhona ze-Out-of-Pocket.

Izinhlelo Zosizo Eziguli

Izinkampani eziningi zemithi zinikeza izinhlelo zosizo lweziguli (ama-PAPS) ukusiza iziguli zikhombise imishanguzo yazo. Lezi zinhlelo zivame ukuhlinzeka ngosizo lwezezimali kubantu abahlangabezana nemali ethize nenqubo yokufaneleka. Bheka nodokotela wakho noma usokhemisi ukuthola imininingwane mayelana namabala atholakalayo.

Izinhlangano Ezinomusa

Izinhlangano eziningana zomusa ezinikelayo zihlinzeka ngosizo lwezezimali ezigulini ezinomdlavuza. Lezi zinhlangano zivame ukunikela ngezibonelelo, uxhaso, noma ezinye izindlela zokusekelwa ukusiza abantu baphathe izindleko ezihambisana nokwelashwa kwazo. Cwaninga izinhlangano ezihlonishwayo endaweni yangakini noma kuzwelonke ukuhlola izindlela ezingaba usizo.

Ukwenza Izinqumo Ezinolwazi

Ukuxhumana okuvulekile nethimba lakho lezempilo kubalulekile. Xoxa ngezinto ezingikhathazayo mayelana nezindleko zokwelashwa kusenesikhathi, ngakho-ke zingakusiza ukuthi uhlole zonke izinketho ezitholakalayo futhi uzixhuma ngezinsizakusebenza zosizo lwezezimali. Khumbula, ngenkathi ufuna umdlavuza oshibhile wezinso Ukwelashwa kubalulekile, ukubeka phambili ukwelashwa okusebenzayo okubhekana nezidingo zakho ezithile kubaluleke kakhulu. Le khasi I-Shandong Baafa Cancer Research Institute inikezelwe ekunikezeni ukunakekelwa komdlavuza osezingeni eliphakeme. Ukuqonda izinketho zakho kanye nokufinyelela izinsiza ezikhona kungasiza ukunciphisa okunye ukucindezela kwezezimali okuhlotshaniswa nokwelashwa komdlavuza wezinso.

Ukuzikhulula: Lolu lwazi lwenzelwe izinjongo zokufundisa kuphela futhi akufanele lubhekwe njengeluleke lwezokwelapha. Hlala uthintana nomhlinzeki wakho wezokunakekelwa kwempilo ukuze uthole ukuholwa komuntu kanye nezinketho zokwelashwa.