Sonke sifuna ukuziva uzinzo ngokuzonwabisa kwikamva elonwabisayo, ukuqonda ukuba ngesifo esingalindelekanga siza kuba nemali yonyango kunye nokubuyiselwa kwezempilo. Le nto iqinisekisa uMgaqo-nkqubo we-inshurensi yobomi kwimeko ye-Oncology.
Sibuze ukuba sibaxelele ngale nto ngakumbi i-DMIMMY DUBIn, UMlawuli wezobuchwephesha kwi-Inshurensi yobomi be-PPF.
Ukuba isifo sifunyenwe, umnini wale nkqubo uyasebenza (kwinkampani yethu ngaphakathi kwe-3-5 yeentsuku zomsebenzi ukusuka kumhla wokungeniswa kwesicelo kunye namaxwebhu ayimfuneko) ayokufumana ixesha elifutshane kakhulu Ukuhlawula iindleko zokusebenza, amayeza kunye nokuhlaziywa emva kokugula. Ukujonga indlela ekubaluleke ngayo ukuba imeko ibaluleke kakhulu kuqalisa unyango, luncedo olubalulekileyo lweenkqubo ezinjalo.
Nangona kunjalo, ngaphambi kokuthenga umgaqo-nkqubo wokhuselo lwemali kwimeko ye-Oncology, kuyimfuneko ukuqonde ukuba ziphi ezo mveliso zahluke njani. Namhlanje, iinkqubo zenkxaso ezizodwa zemigaqo-nkqubo yomhlaza kunye nemigaqo-nkqubo entsonkothileyo zinikezelwa kwimarike, ezibonelela ngeentlawulo kwimeko yoluhlu olubanzi lwezifo eziyingozi, kubandakanya i-oncology. Umzekelo, inkampani yethu inikezela ngenkqubo yomhlaza okhethekileyo kubantu ukuya kwiminyaka engama-85. Iintlawulo kumgaqo-nkqubo zixhomekeke kuzo zombini ekuchongeni isifo kwinqanaba eliphambili (kwi-ter) nasekuhlaleni kamva kwesifo se-Oncological. Le nkqubo ingabandakanya umngcipheko wezinye izifo ezinzulu, ezinjengokungena okanye ukubetha, kunye ne-inshurensi yomntwana.
Siphinde saqulunqa inkqubo yokhuselo olukhethekileyo kwizifo zenkomfa. Lo mgaqo-nkqubo uya kunceda ukungayigcini impilo, kodwa nokuhlawula iinkqubo eziyimfuneko zokubuyiselwa kobuhle. Iintlawulo phantsi kwemvumelwano zinokubonelelwa kwimeko yokulimala kakhulu, ukukhubazeka, ukukhubazeka okwethutyana kunye nokulanda esibhedlele ngenxa yengozi.
Ndiphawula ukuba le nkqubo ifumaneka phantse wonke umntu obhinqileyo: Umthengi uhlala esenza iminikelo ekuzikhuseleni kwayo, kwaye ekupheleni kwexesha leinshurensi lifumana ukuya kuthi ga kwiipesenti ezingama-75 zemali eyenziweyo.
Kananjalo, ukhuseleko kwizifo ze-OSCon lunokuqhagamshelwa ngaphakathi komngcipheko wezifo ezibulalayo, kubandakanya inkxaso yezifo ezingama-27, kubandakanya nokungena, ukusilela kwe-inshurensi yexesha elide, i-inshurensi yexesha elide yobomi. Ezo nkqubo azixhasi kuphela umthengi kwiimeko ezinzima, kodwa wamnceda enze okonga imali kwinjongo ethile (imfundo yomntwana, yokwanda komntwana, ukwanda komntwana, ukunyuka komntwana, ukwanda komntwana, ukwanda komntwana). Ngalo lonke ixesha lesivumelwano, umnini we-POPIS wenza igalelo kukhuselo lwayo kunye nolondolozo, nasekupheleni kwenkqubo, ekwakheka imali. Zonke iiparameter: Ubungakanani bomnikelo, inani elicwangcisiweyo lolondolozo, uluhlu lomngcipheko, ixesha lekhontrakthi, umthengi uzixabisa kwisiseko seemeko zobomi kunye neenjongo.
Isixa sentlawulo phantsi kwemvumelwano yeinshurensi kwimeko ye-oncology ixhomekeke kwimigaqo yeNkqubo kunye ne-inshurensi ye-inshurensi, umthengi ekhetha xa egqiba imvumelwano. Imali yeinshurensi yesona sixa siphezulu sokukhathalela xa isiganeko se-inshurensi senzekile. Umzekelo, ngenkqubo yethu ekhethekileyo yokukhuselwa kwi-oncolog yabantu ukuya kwiminyaka engama-85, umthengi unokuchonga i-inshurensi ye-Inshurensi ye-ruble okanye i-1 yezigidi ruble. Ngokufunyanwa okuphambili kwesi sifo, i-insured ifanele ihlawule i-100% ye-inshurensi ye-inshurensi. Ukuba sithetha ngenqanaba eliphambili lesi sifo, intlawulo iya kuba ngama-30% ye-inshurensi (i-150 okanye i-300 yamawaka i-rubles).
Ngenkqubo ye-Inshurensi ebanzi yexesha elide efunyenweyo kwi-inshurensi ye-Inshurensi yeSifo seSifo soMhlaza, ikwahlawula i-100% ye-inshurensi ye-inshurensi yomngcipheko ochaphazelekayo. Kwiinkqubo ezinjalo, umthengi useka isixa se-inshurensi ngokokubona kwayo (kunokuba likhulu lamakhulu amawaka okanye alizigidi).
Ngokunxulumene nokwanda kokufunda nokubhala kwezemali kwamaRussia kunye nokukhula kokuqonda kwabo iinkqubo zeinshurensi yobomi, sibona
Imfuno ezinzileyo yemigaqo-nkqubo ebonelela ngenkxaso kwi-Oncology kwiRussia, ngakumbi kwimimandla apho isibonisi siphezulu kunelizwe eliqhelekileyo. Ezo ndawo zibandakanya ummandla we-perm, imeko apho, ngelishwa, iya kuba nzima minyaka le.
Kwimo yemfuno yeenkqubo zethu kwingingqi ye-1st, umgaqo-nkqubo wexesha elide woKhuselo kunye nezifo ezibulalayo ezingama-27 zihlala, kubandakanya i-oncology. Elesihlanu liquka inkqubo ekhethekileyo yomhlaza yabantu ukuya kwiminyaka engama-85.
Ewe kunjalo, imigaqo-nkqubo yeinshurensi yobomi ayizukusithintela isifo, kodwa yenza kube lula ukwenza ixesha elinzima, nceda uhlawule zonke iinkqubo eziyimfuneko, gcina umgangatho oqhelekileyo wokuphila ngexesha lonyango kunye namaphupha.