Ukuqonda izindleko zeSigaba 4 Ukwelashwa komdlavuza weChinathis kunikeza umbono ophelele wezindleko ezihambisana nokwelashwa komdlavuza we-Stage 4 eChina, uhlola izinto ezahlukahlukene ezithonya izindleko eziphelele. Sisebenzisa izinketho ezahlukene zokwelashwa, ukumbozwa komshuwalense ongaba khona, kanye nezinsizakusebenza ezitholakala ezigulini nasemindeni yazo kuzulazula lolu hambo olunzima.

Ukuqonda izindleko zeSigaba 4 Ukwelashwa komdlavuza webele eChina

Ukuthola ukuxilongwa komdlavuza webele 4 ngokungangabazeki kuyinselele, futhi ukuqonda izindleko ezihambisana nakho kuyisici esibalulekile sokuhlela ukwelashwa. Umthwalo wezezimali we I-China Stage 4 Cancer Cancer Fork Iyahluka kakhulu ngokuya ngezinto eziningana, okwenza kubalulekile ukuba nesithombe esicacile sokuthi singalindelani. Lo mbhalo uhlose ukuhlinzeka ngokubuka okungokoqobo, ukuhlola uhlobo lwalezi zindleko kanye nokugqamisa izinsiza ezitholakalayo ukuze zixhaswe.

Izici ezithonya izindleko ze-Stage 4 Ukwelapha Umdlavuza Webele

Izinketho zokwelashwa nezindleko zazo

Izindleko ze I-China Stage 4 Cancer Cancer Fork ithonywa kakhulu yicebo elithile lokwelashwa. Izinketho zingafaka i-chemotherapy, ukwelashwa okuhlosiwe, ukwelashwa kwe-hormone, ukwelashwa kwemisebe, ukuhlinzwa (kwezinye izimo), kanye nokunakekelwa okuphilayo. Ukulingana ngakunye kokwelashwa kunesakhiwo esihlukile sezindleko. Isibonelo, ngokwe-Chemotherapy, ngokwesibonelo, kuhilela izindleko zezidakamizwa ngokwazo, imali yokuphatha, kanye nokuphathwa kwemiphumela emibi. Izindlela zokwelapha ezihlosiwe, ngenkathi zisebenza kakhulu ezinhlotsheni ezithile zomdlavuza, zingabiza kakhulu. Imvamisa kanye nesikhathi sokwelashwa sibuye sithinte izindleko zizonke. Kubalulekile ukudingida zonke izinketho zokwelashwa ne-Oncologist yakho ukuze uqonde izindleko ezihambisanayo kanye nomthelela wazo ongaba khona kwisabelomali sakho sonke.

Ukukhetha Isibhedlela nendawo

Indawo nohlobo lwesibhedlela oluthonya kakhulu izindleko eziphelele. I-Tier-One izibhedlela emadolobheni amakhulu afana neBeijing neShanghai ngokuvamile zinezindleko eziphakeme uma ziqhathaniswa nezibhedlela emadolobheni amancane noma ezindaweni zasemakhaya. Izibhedlela ezizimele zivame ukuba nezindleko eziphakeme kunezibhedlela zikahulumeni. Kungcono ukubuza ngezinhlaka zamanani ngqo ngezibhedlela ezingaba khona.

Ukumboza umshwalense

Ubungako be-Insurance Revage budlala indima ebalulekile ekuphatheni I-China Stage 4 Cancer Cancer Fork. Ukuqonda inqubomgomo yakho ethile yomshuwalense wezempilo, kufaka phakathi imikhawulo yokumboza kanye nezindleko ze-Out-of-Pocket, kubalulekile. Ukuhlola izinhlelo zosizo lukahulumeni nezinhlangano ezinikela ngokunikeza usizo lwezezimali lwezokwelapha umdlavuza kuyanconywa. Abahlinzeki abaningi bomshuwalense eChina banikeza amazinga ahlukahlukene okumbozwa komdlavuza ukwelashwa komdlavuza, ngakho-ke kubalulekile ukubukeza inqubomgomo yakho ngokucophelela.

Izindleko ezingeziwe

Ngaphandle kwezindleko eziqondile zezokwelapha, iziguli kufanele futhi zibheke izindleko ezingezekile, ezifana nezindleko zokuhamba ziye futhi zivela esibhedlela, izindleko zokuhlala (uma ukwelashwa kudinga ukuhlala kude nasekhaya), umuthi wokuphatha imiphumela emibi, kanye nezithako zokudla okunempilo. Lezi zindleko ezingaqondile zingangezelela kakhulu.

Ukuzulazula kwezinselelo zezimali zeStage 4 Ukwelashwa komdlavuza webele

Ukubhekana nokuxilongwa kwesisu 4 Umdlavuza webele kunzima, ngokomzwelo nangokwezezimali. Ukuxhumana okuvulekile nethimba lakho lezempilo kubalulekile. Banganikeza umhlahlandlela ngezinketho zokwelashwa, izindleko ezingaba khona, nezinsizakusebenza ezikhona. Ngaphezu kwalokho, ukuhlola izinhlelo zosizo lwezezimali namaqembu okusekelana anganikeza usizo olubalulekile ngalesi sikhathi esinzima. Kunezinhlangano ezinikezelwe ukusekela iziguli ezinomdlavuza kanye nemindeni yazo ngokwezezimali.

Izinsizakusebenza nokusekelwa

Ngemininingwane ephelele kanye nokusekelwa maqondana nokwelashwa komdlavuza eChina, cabanga ngokuhlola izinsiza ezinjengezikhungo zomdlavuza ezidumile kanye namaqembu anokuxhaswa ngeziguli. Lezi zinhlangano zinganikeza usizo olukhulu ekutholeni ubunzima bokwelashwa kanye nokuhlelwa kwezezimali. Ukubonisana nabeluleki bezezimali abasebenza ngezindleko zokunakekelwa kwempilo nakho kungaba yinzuzo.

Ukufuna izeluleko zezokwelapha eziqeqeshiwe

Lolu lwazi luhloselwe ulwazi olujwayelekile futhi alukhangeli izeluleko zezokwelapha. Ukuze uthole ukuholwa okunembile nokwenziwe umuntu ngesimo sakho esithile, ngaso sonke isikhathi uthintane nabachwepheshe bezokwelapha abaqeqeshiwe esikhungweni sezempilo esidumile. Ngeminye imibuzo mayelana nezinketho zokwelashwa komdlavuza nezinsizakalo zokusekelwa, ungafisa ukuxhumana I-Shandong Baafa Cancer Research Institute.

QAPHELA: Amabanga wezindleko alinganiselwa futhi angahluka ngokuya ngezimo ngazinye. Thintana nomhlinzeki wakho wezokunakekelwa kwempilo ukuze alinganise izindleko ezinembile.