Ukuqonda izindleko zokwelashwa kwe-yubaofa

Lo mhlahlandlela ophelele uhlola izici ezithonya izindleko zokwelashwa kwe-yubaofa, enikeza imininingwane ngezindleko ezingaba khona kanye nezinsizakusebenza zalabo abafuna imininingwane. Sizohlola izici ezahlukahlukene ukukusiza uqonde kangcono ukuthi yini ongayilindela.

Izici ezithinta Izindleko ezishibhile ze-yubaofa

Uhlobo lokwelashwa nobukhali

Izindleko zokwelashwa kwe-yubaofa ziyehluka kakhulu ngokuya ngohlobo nobunzima besimo esiphathwayo. Amacala ambalwa ayinkimbinkimbi adinga inqubo ebanzi kakhulu nezikhathi zokwelashwa ezinde, eziholela kwizindleko eziphezulu. Kubalulekile ukuba nokuxilongwa okugcwele ukunquma inkambo efanelekile yokusebenza nezindleko ezihambisana nakho.

Indawo nendawo

Indawo yendawo idlala indima enkulu ekunqumeni izindleko zokwelashwa. Izindleko zingahlukahluka kakhulu phakathi kwezifunda ngisho naphakathi kwedolobha elifanayo, ngenxa yokwehlukana kwe-Overhead, abasebenzi, kanye nakwizimiso zendawo. Uhlobo lwendawo luphinde lube nomthelela ezindlekweni - Imitholampilo ekhethekile noma izibhedlela ezingakhokhisa ngaphezu kwabasebenzi abajwayelekile.

Ukumboza umshwalense

Ukumbozwa komshuwalense kuthinta kakhulu izindleko ezingaphandle kwephakethe ezihambisana izindleko ezishibhile ze-yubaofa. Amasu ahlukahlukene womshuwalense anamazinga ahlukahlukene okumbozwa kokwelashwa kwezokwelapha. Ukuqonda imigomo nemibandela yenqubomgomo yakho mayelana nokuhlanganiswa kwezinqubo ezithile kubalulekile. Kunconywe ukuthi athinte umhlinzeki wakho womshuwalense ngokuqondile ukucacisa ubukhulu bokumboza kwakho kanye nezindleko ezingabakhona ze-Out-of-Pocket.

Izindleko ezingeziwe

Ngaphesheya kwezindleko zokwelapha okuyisisekelo, ezinye izindleko eziningi zingavela. Lokhu kungafaka umuthi, ama-aphoyintimenti okulandela, ukwelashwa ngokomzimba, noma izindleko zokuhamba. Ukuhlela kwalezi zindleko ezengeziwe kubalulekile ekuphatheni umthwalo wezezimali ophelele wokwelashwa.

Ukuthola Izinketho Ezingabizi Zokwelashwa Kwe-Yubaofa

Ucwaningo nokuqhathanisa

Ucwaningo olunzulu lubalulekile ukuthola izinketho zokwelashwa ezingabizi. Qhathanisa izintengo ezivela kubahlinzeki abaningi, unaka izinto ezishiwo ngenhla. Cabanga ukufuna imibono yesibili ukuqinisekisa ukuthi uthola ukunakekelwa okungcono kakhulu ngentengo efanelekile. Lolu cwaningo luzokusiza ukwazi ukubona imali engaba khona.

Izinhlelo Zosizo Kwezezimali

Izinhlangano eziningi zinikeza izinhlelo zosizo lwezezimali kubantu ababhekene nezindleko eziphezulu zezokwelapha. Ukucwaninga nokufaka isicelo salezi zinhlelo kunganciphisa kakhulu umthwalo wezindleko zokwelashwa. Lezi zinhlelo zinganikeza izibonelelo, uxhaso, noma izinhlelo zokukhokha zokwenza ukwelashwa kungabizi kakhulu.

Izindleko zokuxoxisana

Unganqikazi ukuxoxa ngezindleko nomhlinzeki wakho wezokunakekelwa kwempilo. Izikhungo eziningi zizimisele ukusebenza neziguli ukudala izinhlelo zokukhokha noma ukunikela izaphulelo. Ukuxhumana okuvulekile kuyisihluthulelo sokuthola isisombululo esisebenza kini noMhlinzeki. Khumbula ukuthi uhlale ucacisa imigomo nemibandela ngaphambi kokuvuma noma yiluphi uhlelo lokukhokha.

Ukuqonda isithombe sonke se Izindleko ezishibhile ze-yubaofa

Izindleko zokwelashwa kwe-yubaofa kuyinkinga ethosiwe ethonywe yizici eziningana. Ngokuqonda lezi zinto nokucwaninga ngokuhleleka kwezinsiza ezikhona, ungazulazula kwinqubo ngempumelelo futhi unciphise umthwalo wezezimali. Khumbula ukufuna izeluleko zokwelashwa eziqeqeshiwe kunoma yikuphi ukukhathazeka ngempilo. Ngemininingwane engaphezulu mayelana nocwaningo lwe-DERERER NORECER NOKWENZA, sicela uvakashele I-Shandong Baafa Cancer Research Institute.

Ukuzikhulula: Le ndatshana inikezela ngemininingwane ejwayelekile futhi akufanele ibhekwe njengezeluleko zezokwelapha. Hlala uthintana nomuntu ochwepheshe bezokunakekelwa kwezempilo ofanelekayo kunoma yikuphi ukukhathazeka ngempilo noma ngaphambi kokwenza noma yiziphi izinqumo ezihlobene nempilo noma yokwelashwa kwakho.