Asuransi Kesehatan Terbaik Dan Murah Imbopheleleko yomntu ngamnye okhuseleko angathatha iifom ezininzi ezifana ne-Premium: Imali umnini-nkqubo okanye umxhasi wabo (umz. Umqashi) ukhokhelela kwisicwangciso sezempilo ukuthenga i-health coverage. I-Deductible: Inani eliqinisekisiweyo kufuneka lihlawule i-pocket ngaphambi kokuba i-inshurensi yezempilo ihlawule isabelo sayo. Ngokomzekelo, abanini-mgaqo-nkqubo abanokufuneka bahlawule i-$ 500 echithwayo ngonyaka, ngaphambi kokuba nayiphi na inkxaso yabo yempilo ibhekiswe ngumshwalense wempilo. Kungathatha ukutyelelwa kwamagqirha amaninzi okanye i-refill refills phambi kokuba umntu okhuselekile afike kwi-deductible kwaye inkampani yomshuwalense iqala ukuhlawula ukunyamekela. Ukongezelela, ininzi imigaqo-nkqubo ayisebenzisi i-co-pay for the visit of the doctor's or prescriptions against your deductible. Ukuhlawulwa kwe-Co-intlawulo: Imali umntu okhuselekile kufuneka ayihlawule ngaphandle kwesikhokhelo ngaphambi kokuba i-inshurensi yezempilo ihlawule ukutyelela okanye inkonzo ethile. Umzekelo, umntu okhuselekile angakhokhela i-$ 45 yentlawulo yokubambisana kunye nokufumana udokotela.

Intlawulo yentsebenziswano kufuneka ihlawulwe rhoqo xa kunikwa inkonzo ethile. I-Coinsurance: Esikhundleni sokuba, okanye ngaphezu koko, ukuhlawula imali echanekileyo phambi (intlawulo-ntlawulo), i-inshurensi yomshuwalense ipesenti yeendleko ezipheleleyo ukuba umntu okhuselekile angahlawula. Ngokomzekelo, ilungu lingafuneka lihlawule i-20% yeendleko zokuhlinzwa ngaphezu kwe-intlawulo-ntlawulo, ngelixa inkampani yomshuwalense ihlawula enye i-80%. Ukuba kukho umda ophezulu kwi-coinsurance, umnini-mgaqo unokuphelisa ukuhlawulwa kakhulu, okanye into eninzi, kuxhomekeke kwiindleko zangempela zeenkonzo eziyifumanayo. Izibhengezo: Azikho zonke iinkonzo ezihlanganisiweyo. Ama-insured ngokuvamile kulindeleke ukuba ahlawule iindleko ezipheleleyo zeenkonzo ezingekho phantsi kweepokothini zazo. Umlinganiselo wemida: Ezinye iinkqubo ze-inshorensi zempilo zihlawula kuphela unyango lwempilo ukuya kwisixa esithile sedoli. Umntu okhuselekile unokulindela ukuhlawula nayiphi na inkunkuma ngaphandle kweyona ntlawulo yeyona mpahla yempilo kwinkonzo ethile. Ukongezelela, ezinye iinkqubo zeenkampani zomshuwalense zineziganeko zonyaka okanye eziphezulu zobomi. Kule meko, isicwangciso sezempilo siya kuhlawula xa sifumana inzuzo enkulu kwaye umnini-nkqubo kufuneka akhokhe zonke iindleko ezisele. Asuransi Kesehatan Terbaik Dan Murah