Momwe mungapezere inshuwaransi ya zamankhwala kwa munthu wosagwira ntchito ndi mwana wakhanda

Anthu omwe amasamala zaumoyo ali ndi chidwi ndi funso la momwe angapezere ndondomeko ya zamankhwala kwa munthu wosagwira ntchito komanso mwana wakhanda, chifukwa inshuwaransi ya zamankhwala yovomerezeka ya inshuwaransi yamankhwala imapereka mwayi wokwanira. Munkhaniyi ndikambirana izi mwatsatanetsatane.

Nzika ya Russian Federation itha kupeza inshuwaransi ya zamankhwala komwe amakhala, kulembetsa sikuthandiza.

Posachedwa, mfundo zatsopano zayamba kupezeka kwa anthu aku Russia, kupereka chithandizo chamankhwala m'malo onse mdzikolo, ngakhale atalembetsa. Mutha kudalira chithandizo chaboma kapena chabungwe. Chachikulu ndikuti amatenga nawo gawo pulogalamuyi.

M'mbuyomu, olemba anzawo ntchito amapatsa anzawo ntchito zamankhwala. Tsopano nzika iliyonse ya Russia ili ndi ufulu wosankha. Atha kusankha inshuwaransi, chipatala, ndi dokotala.

Ngati simukukonda ntchitoyi, mutha kusintha inshuwaransi ndi chipatala kamodzi pachaka. Nzika zaku Russia, alendo omwe akukhala mdzikolo, komanso othawa kwawo atha kulandila inshuwaransi yachipatala.

• Kuti mupeze mfundo, sankhani bungwe la inshuwaransi, yang'anani pomwe olamulira asankhidwa ndikulemba fomu yofunsira. Chonde tengani pasipoti yanu, ID kapena chiphaso chobadwira.
• Pakugwiritsa ntchito, onetsani dzina la bungwe la inshuwaransi ya zamankhwala ndi mtundu wa lamuloli: pepala kapena konsekonse. Lembani zina.
• Izi zipereka satifiketi yakanthawi. Chikalatacho chikutsimikizira ufulu wopeza chithandizo chamankhwala kwaulere ndipo chikuvomerezeka masiku makumi atatu. Munthawi imeneyi, mfundo zachipatala zokhazikika zidzakonzedwa.

Kumbukirani, waku Russia, mosasamala kanthu za ntchito, atha kulipira inshuwaransi yamankhwala yomwe ilibe tsiku lomaliza. Chikalata chofananira chilipo kuti mupeze ndi magulu ena a anthu.

Kupeza mfundo zamankhwala kwa osagwira ntchito

Mdziko muno, chithandizo chamankhwala chimaperekedwa malinga ndi pulogalamu yovomerezeka ya inshuwaransi ya zachipatala, ndipo munthu aliyense amene adzalembetse kuchipatala ayenera kukhala ndi mfundo zake.

Malinga ndi lamuloli, olemba anzawo ntchito pakulembetsa inshuwaransi yazaumoyo, koma si onse omwe ali pantchito. Sitikulankhula za opuma pantchito ndi ophunzira okha, komanso za anthu omwe sakugwira ntchito kwakanthawi.

• Sankhani kampani ya inshuwaransi yomwe ipereke malangizo azachipatala. Kuti muchite izi, pitani pa tsamba la Health Insurance Fund.
• Patsambali, pezani mapu, sankhani dera, pitani kuzowonjezera zandalama kuti mudzidziwe bwino mndandanda wamabungwe a inshuwaransi. Funsani ma inshuwaransi onse musanasankhe njira ina.
• Mutasankha kampaniyo, tchulani nthawi yomwe mukuyenera kugwira ntchito. Nambala yolumikizirana ingakuthandizeni pankhaniyi. Pangani msonkhano. Chonde tengani satifiketi yanu yobadwa ndi pasipoti musanapite kuofesi ya kampani.
• Mukafika, lembani ntchitoyo ndi nambala yanu ya foni. Mupatsidwa mfundo zosakhalitsa zomwe zingakuthandizeni kulumikizana ndi chipatala kuti akuthandizeni ngati kuli kofunikira.
• Oimira bungwe la inshuwaransi amalumikizana nanu pakatha mwezi umodzi. Ngati izi sizingachitike, itanani a inshuwaransi nokha kuti mudziwe kuti chikalatacho chikukonzedwa nthawi yanji. Chomwe chatsalira ndikuyang'ana pakampani ndikusankha ndondomekoyi.

Musaiwale kuti ngakhale kupezeka kwa inshuwaransi yazamankhwala sikukanikiza ufulu wa ambulansi, yomwe imaperekedwa popanda kuwonetseratu za inshuwaransi. Ngati ndi kotheka, pitani ku chipatala cha zamalonda, kuti mukaphunzire kubayidwa jekeseni.

Kupeza mfundo zamankhwala kwa mwana wakhanda

Mwana atabadwa, makolo akuyenera kupanga malo olembetsera, zikalata zingapo zovomerezeka ndi mfundo zachipatala. Pamodzi ndi iye, mwanayo adzakhala ndi ufulu wolandila chithandizo chamankhwala chaulere. Nthawi yomweyo, azitha kuzipeza m'mabungwe azachipatala aku Russia komanso m'maiko omwe pali mgwirizano pa inshuwaransi pantchito zamankhwala.

Ngati muli ndi mwana kapena mukukonzekera kukhala ndi mwana, mfundoyi idzakuthandizani.

1. Mutha kupeza inshuwaransi yazaumoyo wa mwana wanu ku kampani ya inshuwaransi komwe mumakhala. Kuperekedwa kwa mfundo kwa mwana wakhanda kumachitika potsatira chikalata cholembetsa.
2. Pankhani ya malo okhala, mutha kupereka chikhazikitso chokhazikika. Zikafika panyumba, makolo amayembekeza kuti alandila inshuwaransi yakanthawi pang'ono ikangokonzedwanso pakulembetsa.
3. Ndikosatheka kupeza inshuwaransi ya mwana wopanda zikalata. Mndandanda wawo umaperekedwa ndikufunsira, satifiketi yakubadwa, pasipoti ya kholo yomwe imalembetsedwa ku adilesi yomwe ikuphatikizidwa ndi malo omwe akutumizira.
4. Lamuloli limaperekedwa patsiku loperekera zikalata.
5. Ngati, pazifukwa zina, chikalatacho chatayika, tumizani fomu yake kuchipatala. Zobwerezedwa zidzaperekedwa mwezi umodzi, ndipo munthawi imeneyi mutha kugwiritsa ntchito inshuwaransi yakanthawi.

Sindikupatula kuti mwanayo sangafunikire inshuwaransi ya zamankhwala, ndipo izi ndizabwino. Koma, ngati china chake chichitika, sinthani thanzi la mwana wanu popanda zolipira komanso mavuto.

Momwe mungapezere mfundo zamankhwala kudziko lachilendo

Dziko lathu lili ndi pulogalamu yokakamiza ya inshuwaransi ya zamankhwala. Ndondomeko yazachipatala imawerengedwa kuti ndi chikalata chotsimikizira kuti eni ake ali ndi ufulu wolandila chithandizo chamankhwala ku Russia.

Nzika zakunja zomwe zasankha kupanga ntchito m'makampani kapena mabizinesi aku Russia amathanso kupereka chikalata.

1. Mlendo yekha yemwe amagwira ntchito mdziko muno ndi amene angapeze inshuwaransi yazaumoyo. Poterepa, oimira kampaniyo achita mgwirizano ndi inshuwaransi komanso thumba la inshuwaransi yazaumoyo.
2. Nthawi yamalamulo ikufanana ndi nthawi yamgwirizano wantchito. Kuti alandire, mlendo ayenera kulembetsa fomu yopita ku dipatimenti yantchito. Pambuyo pake, adzalandira inshuwaransi kuntchito.
3. Ponena za alendo omwe sagwira ntchito, ali ndi mwayi wopeza mankhwala olipidwa komanso pulogalamu ya inshuwaransi yodzifunira. Mwa njira, nzika yakunja yolembetsa ndi kukhala ndi chilolezo chokhala ndi inshuwaransi, yopanda ntchito.
4. Amayi omwe ali ndiudindo komanso ana osakwana chaka chimodzi omwe alibe mfundo amapatsidwa chithandizo chamankhwala, zadzidzidzi ndi ma ambulansi kwaulere. Nthawi yomweyo, nzika zilibe kanthu. Kufunafuna ndalama pankhaniyi kumawerengedwa kuti ndikuphwanya lamulo.
5. Kufikira pazithandizo zamankhwala nthawi zonse kumaperekedwa ngati mlendo ali ndi malingaliro azachipatala.
6. Nthawi zina mlendo amataya mfundo zake. Osati chowopsa, mutha kupezanso chibwereza. Nzika yogwira ntchito ikulimbikitsidwa kulemba fomu yofunsira ku dipatimenti yantchito, ndipo mlendo wosagwira ntchito akulimbikitsidwa kuti alumikizane ndi kampani yomwe idapereka inshuwaransiyo. Pambuyo pa kutha kwa nthawi yoyenera, chitani zomwezo.
7. Mlendo ali ndi mwayi woti azidzipereka kuchipatala. Kuti achite izi, amapita ku dipatimenti yazaumoyo ndi pasipoti ndi mfundo. Sizipweteka kupita kwa dokotala wamkulu wa bungweli.

Muli ndi mwayi wokhala DJ kapena wofukula zakale ku Russia ndikukhala ndi inshuwaransi yazaumoyo. Atalandira inshuwaransi, mwayi wopeza ntchito zonse zamankhwala zoperekedwa ku Russian Federation zidzawonekera.

Kodi ndichifukwa chiyani inshuwaransi yokakamiza ikufunika kwambiri?

Ndilabadira zabwino za inshuwaransi yokakamiza. Mavuto azaumoyo amapezeka mwa aliyense. Kungakhale chimfine ndi malungo ndi chifuwa, kapena chimfine.

Matendawa atangoyamba kumene, kumakhala kofunikira kupita kuchipatala ndikuima pamzere kudikirira kuti adokotala amve. Kuyendera chipatala kumayambitsa kukhumudwa. Koma, nthawi yomwe mumagwiritsa ntchito limodzi ndi zomwe zawonongeka ndiye nsonga ya madzi oundana.

Nthawi zina mumayenera kukaonana ndi dokotala wodziwika bwino yemwe savuta kupeza. Zomwe munganene potenga mayeso ngati munthu sakudziwa koti apite, zomwe angatengere ndi momwe zingawonongere ndalama zambiri.

Mavuto omwe atchulidwawa athetsedwa ndi OMS. Tiyeni tiwone zabwino ndi zabwino za chikalatacho.

• Wogulitsa inshuwaransi amachita ndi nkhani zamankhwala, bungwe lazokambirana ndi kusaka madokotala. Nthawi yomweyo, zokambirana zimachitikira m'malo abwino nthawi yabwino.
• Kampani ya inshuwaransi ya zamankhwala safuna kuchita mayesero angapo komanso kufunsa kosatha. Akatswiri azindikira msanga matendawa, zomwe zimayambitsa kuyambika ndikuyamba chithandizo, kukupulumutsirani zovuta komanso mtengo wake.
• Ngati pakufunika chithandizo chakuchipatala, oimira kampaniyo asankha malo azachipatala, adzawagawira kuchipatala ndikuwapatsa mankhwala.
• Zambiri zamakasitomala zimasungidwa munkhokwe, ndipo akalumikizananso, zimakhala zosavuta kuti ogwira ntchito pakampani apange chithandizo.
• Phindu lalikulu pamalamulo azachipatala ndikuti amene amakhala alibe chifukwa chodandaula ndi ndalama zothandizira. Ndikokwanira kugula inshuwaransi, ndipo ipereka zonse zomwe mungafune.

Khalani ndi moyo wathanzi ndipo musadwale. Zabwino zonse!

Onerani kanemayo: חוה אלברשטיין אויפן וועג שטייט א בויםON THE ROAD THERE IS A TREE (July 2024).