Izindlela Ezinhlanu Uhlelo Lwezifo Ezibucayi Lukuvikela Ngesikhathi Sezimo Eziphuthumayo Zezempilo

Isikhathi eside manje, isifo senhliziyo bekungenye yezimbangela eziyinhloko zokufa emhlabeni wonke. Ngokusho kwe Umkhandlu waseNdiya woCwaningo lwezokwelapha, isifo sohlangothi sasiyimbangela yesine yokufa kanye nembangela yesihlanu ehamba phambili ye-DALY (Disability Adjusted Life Years) eNdiya ngo-2016. I-Stroke, umdlavuza, ubumpumputhe obuphelele, isifo sikaParkinson, isifo sesibindi sokuphela, i-myocardial infarction (eyaziwa nangokuthi a isifo senhliziyo), i-coronary artery bypass graft, njll., konke kuwela ngaphansi kohlu lwezifo ezibucayi.

Ebusweni beqiniso elibuhlungu kangaka, ukuthenga inqubomgomo yokugula okubucayi kuba kuhle kakhulu. Ake sithole izindlela ezinhlanu ikhava yokugula okubucayi ekuvikela ngayo wena nomndeni wakho kanye nezezimali ngesikhathi sezimo eziphuthumayo ezinzima.

1.        Ukusekelwa Kwezezimali Okunokusebenza Okuphelele

Ngeshwa, uma uthola ukugula okubucayi, kungenzeka ukuthi izindleko zakho zokwelashwa zizodlula isabelomali sakho. Futhi umshwalense wakho wezempilo ungase usilele ekukunikezeni usizo olwanele. Futhi, izinqubomgomo zomshuwalense wezempilo eziningi azihlinzeki ngezimo ezinzima ezifana nokuhluleka kwezinso noma isibindi. Yilapho ukuba nohlelo lokugula olubucayi kufika njengenzuzo. Ukufakwa kwezifo ezisongela ukuphila kuqinisekisa ukuthi awukho umthwalo wezezimali kuwe nomndeni wakho.

Futhi, ukwelashwa kwezimo ezinzima kuhilela uchungechunge lwezinye izindleko zezokwelapha nezingezona ezokwelashwa, njengokubonana nodokotela njalo, imithi, ukwelashwa, njll. Ngakho-ke, kuyatuseka ukuqhathanisa nokukhetha uhlelo lokugula olubucayi olunikeza izinzuzo nezici eziphelele, njengoba ehlinzekwa yi-Care Health Insurance. Umshwalense wokugula obalulekile Womshuwalense Wezempilo umboza izifo ezibucayi ezingama-32 kanye nezifo. Sizoxoxa kabanzi mayelana nezinzuzo zabo zenqubomgomo ekupheleni kwalesi sihloko.

2.      Inzuzo Yentela Ngaphansi Kwesigaba 80D

Ungafuna i-premium oyikhokhayo ohlelweni lwakho lokugula olubucayi lapho ufaka intela yeholo. Inqubomgomo yomshwalense womuntu siqu, owakwakho, kanye nezingane ezithembele kuwo inikeza inzuzo yentela efika ku-Rs.25,000 ngaphansi kweSigaba 80D. Futhi, uyakufanelekela ukudonswa kwezimangalo emalini ekhokhwa egameni labazali bakho.

Uma abazali bakho beneminyaka engaphansi kuka-60, isilingi esiphezulu sezinzuzo zentela singu-INR 25,000, kuyilapho umkhawulo wabazali abangaphezu kweminyaka engama-60 ungu-INR 75,000. Ingxenye engcono kakhulu ukuthi uma uneminyaka engaphezu kuka-60 futhi unesibopho senkokhelo yabazali bakho, ungakwazi ukujabulela izinzuzo zentela ngokudonswa okukhulu kuka-INR 1 lakh.

3.      Ikhophi yasenqolobaneni Yezibopho Zezezimali

Esimeni esidabukisayo lapho umuntu elwela impilo yakhe yonke elwa nesifo esinzima, angase alahlekelwe amandla akhe okuqhubeka nokusebenza futhi aziphilise. Lokhu kusho ukuthi banosongo lokulahlekelwa indlela yabo yokuhola engashintshi okuholela ekucindezelekeni kwezimali kwesikhathi eside.

Kulapho ukuhlinzekwa kwezimali ngaphansi kohlelo lokugula okubucayi kuza njengesibusiso. Umnikazi wepholisi uyafaneleka ukusebenzisa inani lekhava elitholwe ngendlela abona lifanelekile, futhi lokhu kungaba inzuzo yokushintsha imali engenayo elahlekile futhi ahlangabezane nezibopho zezimali.

4.      Isikhungo Sombono Wesibili

Ukwelashwa kwezifo ezinzima kungaba kuningi futhi kuphelele. Kungathinta umuntu kuwo wonke amazinga - ngokomzimba, ngokomzwelo, nangokwengqondo. Esimweni esinjalo, udinga ukuqiniseka ukuthi iseluleko esinikezwe ngu udokotela ingcono kakhulu kuwe. Uhlelo lokugula olubucayi oluvela kubadayisi bomshwalense abahlonishwayo luhlanganisa ezinye izindlela zokwelapha, ichemotherapy, kanye ne-radiotherapy futhi lunikeza inzuzo yombono wesibili wamazwe ngamazwe. Ngaphansi Komshwalense Wokunakekelwa Kwezempilo Okubalulekile, uma ungagculisekile ngokuxilonga kwakho kwamanje noma ukubonisana nokwelashwa, ungathola umbono wesibili noma yikuphi e-India.

5.      Ukulandelela Impilo Okuvamile Ngokuhlolwa Kwezempilo Kwaminyaka Yonke

Enye inzuzo ebalulekile yohlelo lokugula okubucayi indawo yokuhlolwa kwezempilo kwaminyaka yonke. Ukuqinisekisa impilo enhle, ukuhlolwa kwezempilo okuvamile kwaminyaka yonke kuqinisekisa ukutholakala kwezifo ezibucayi ngoba ukuvimbela kuhlala kungcono kunokwelapha.

Manje njengoba usuzazi izisekelo zohlelo lokugula okubucayi, kufanele ucabange ukuzithengela wena nomndeni wakho olulodwa ukuze ube nekusasa elivikelekile. Uma ungaqiniseki ukuthi yimuphi umshwalense ongawukhetha, siphakamisa ukuthi uhlole Umshwalense Wezempilo Wokunakekela. Enye yezinkampani zomshwalense wezempilo ezihamba phambili, i-Care Health Insurance, ihlinzeka ngezinhlelo ezinhle kakhulu ezibanzi ezinokufakwa okubanzi, okubandakanya izifo ezibucayi ezingama-32, izindleko ze-OPD, ezinye izindlela zokwelapha, ibhonasi yokungafunwa, nokunye. Ngakho-ke, qiniseka ukuthi ukhetha ikhava yezempilo efanele ukuze uvikele impilo yakho ezifweni ezingakaze zibonwe ngaphambili.