Inshuwaransi yaulendo wakuchipatala ndiyofunikira

Kupereka inshuwaransi yaulendo wachipatala kwa odwala apadziko lonse lapansi kukufulumira kukhala gawo lofunika kwambiri la kasitomala, akufotokoza Claudia Futima, Patient Consultant, paulendo wachipatala, Kliniki ya Hunter

Ntchito zokopa alendo zachipatala, zomwe zikuchitika padziko lonse lapansi zomwe zimatsegula mwayi wambiri kwa anthu omwe akufuna kapena osowa chithandizo, zakhala zikukula kwambiri m’zaka za zana la 21. Kukula kwa maulumikizidwe oyendetsa ndege, kumasuka, kulengeza padziko lonse lapansi, kupezeka mosavuta kwa chidziwitso, komanso kuzindikira kowonjezereka kwa zomwe chithandizo chachipatala chingakwaniritse kunja kwapangitsa kuti ntchito zokopa alendo zachipatala zizidziwika. Ndalama zonse zomwe alendo oyendera azachipatala padziko lonse lapansi adagwiritsa ntchito zidali mabiliyoni angapo aku US (IMTJ akuti $10-15 biliyoni yaku US mu 2018) mpaka 2020, pomwe mliri wa Covid-19 unayamba.[i].

Komabe, zaka 2020-2021 zakhala zovuta kwambiri pamakampani. Odwala sankaloledwa kupita kunja kapena kuziwona kuti ndizoopsa kwambiri. Zipatala zimapanga ndalama zocheperapo, ndipo ambiri amayesa kupulumuka. Mahotela, ndege, ndi zonyamulira zidamenyera moyo wawo wonse. Mabungwe oyendera alendo azachipatala ndi otsogolera alibe makasitomala apadziko lonse lapansi.

Pomwe kumapeto kwa 2021 ndi 2022 akuwonetsa kuti ndege zachipatala zikubwerera pang’onopang’ono, anthu ambiri akusiya kuyenda chifukwa choopa kuti ziletso zosayembekezereka zitha kukhazikitsidwa pa coronavirus. Odwala ena omwe angakhalepo ataya kale ndalama zogulira opaleshoni ndi ndalama zoyendetsera ndege, ena akudikirirabe kuchiritsidwa ndi kubwezeretsedwa, ndipo nthawi sikuthandizira. Inshuwaransi yaulendo wachipatala ikhoza kukhala malo owala kwambiri pankhaniyi.

Inshuwaransi yaulendo wachipatala – gawo lofunikira paulendo wachipatala

Maulendo achipatala amakhala ndi zoopsa zina zomwe odwala ayenera kuvomereza, ndipo amavomerezedwa. Komabe, Covid-19 yadzetsa kusatsimikizika kokhudza ndalama, chitetezo ndi thanzi lomwe alendo azachipatala nthawi zambiri amakana kuyenda pokhapokha atalandira chitetezo chowonjezera ku inshuwaransi yoyendera kuchipatala.

Inshuwaransi yaulendo wachipatala inalipo mliri usanachitike, koma sunali wotchuka. Anthu omwe akufuna kupeza chithandizo chamankhwala kunja akuyenera kuchita kafukufuku wambiri chifukwa pakhala pali makampani angapo omwe amapereka mankhwalawa. Tsopano, pambuyo pa Covid-19, makampani ochulukirachulukira a inshuwaransi, zipatala ndi mabungwe oyendera alendo azachipatala ayamba kuganizira zachitetezo cha alendo azachipatala.

Inshuwaransi yaulendo wachipatala imasiyanasiyana pakati pa zinthu, komabe zinthu zofunika kwambiri zomwe alendo azachipatala ayenera kuziganizira ndi izi:

  • Limbikitsani mbali zonse za inshuwaransi yoyenda nthawi zonse (monga kuwonongeka kwa katundu, ngozi ndi zovuta zaumoyo zosayembekezereka);
  • Ndalama zolipirira chithandizo chamankhwala asananyamuke (mwachitsanzo, zipatala zina zimafuna ndalama zosabweza ngati zolipirira) ngati wasiya ndege chifukwa cha mliri kapena nkhani zaumwini;
  • kuphimba ndalama, monga mtengo wa ndege ndi malo ogona, paulendo wautali (oyendera zachipatala nthawi zonse amakhala pachiopsezo kuti thanzi lawo silingawalole kubwerera monga momwe anakonzera);
  • Phimbani ulendo womwe ungakhalepo wokonzanso chithandizo; Ndipo the
  • Kuwonjezeka kwa chipukuta misozi, mwachitsanzo pa imfa, nkhani zaumoyo, zachipatala ndi chithandizo.

Kodi mumapeza bwanji inshuwaransi yabwino yoyendera maulendo azachipatala?

Odwala ena angayang’ane malo ofananirako omwe amawonetsa malonda a inshuwaransi yazachipatala, koma tapeza kuti ambiri apaulendo azachipatala amafunsiranso malingaliro awo ku chipatala chomwe angafune. Pamene chipatala chimalimbikitsa mankhwala oterowo, ndi bwino kulingalira za kugwiritsa ntchito kampani ya inshuwaransi yomwe ili kale ndi inshuwaransi yachipatala kapena ya dokotala pa chithandizo chamankhwala, zomwe zingatsimikizire wodwalayo kuti akupeza chitetezo chokwanira.

Kapenanso, odwala amatha kupita kukampani ya inshuwaransi. Odwala akasankha njirayi, ndi bwino kunena kuti afunse chitsanzo cha ndondomeko kapena ndondomeko ndi zikhalidwe, kuti ayang’ane zomwe zikuphatikiza ndi ndalama zotani. Imagawidwanso ndi othandizira zokopa alendo zachipatala ndi mabungwe oyendera alendo azachipatala.

Pamapeto pake, palibe inshuwaransi yachipatala “yabwino” yoyenda, chifukwa aliyense ali ndi zosowa zosiyanasiyana. Ndikoyenera kulimbikitsa makasitomala kuti asatengere mtengo ngati chinthu chachikulu. Ndikofunikira, koma chofunikira ndichakuti inshuwaransi yoyendera zachipatala imaphimba zoopsa zonse zomwe zingatheke ndipo imathandizira kuyenda kwachipatala ndi chitetezo, chitonthozo komanso chitetezo chandalama.

Kodi anthu akufunadi inshuwaransi?

Pambuyo pa mliri wa Covid-19, pakhala kubwereranso kumayendedwe azachipatala, ndipo kumasuka komanso kutchuka kwa inshuwaransi yamayendedwe azachipatala kukufulumizitsa izi. Zambiri kuchokera ku Clinic Hunter zikuwonetsa kuwonjezeka kwakukulu kwa makasitomala aku Europe omwe amapeza inshuwaransi yamtunduwu.

Mu July 2022, mtengo wa inshuwalansi wogulitsidwa ndi Clinic Hunter ndi AXA Partners unawonjezeka nthawi za 16 poyerekeza ndi January 2022. Izi zikusonyeza kuti ngati inshuwalansi yotereyi ikuperekedwa, kudzera ku chipatala, bungwe loyenda kuchipatala kapena mwachindunji; Zimapangidwira iwo mwapadera komanso zosavuta kuzipeza, kotero apaulendo azachipatala amafunitsitsa kuziphatikiza pamtengo wawo wamankhwala.

Za wolemba

Klaudia Futyma ndi mlangizi wodwala ku ClinicHunter, nsanja yapadziko lonse lapansi yomwe imayang’ana zokopa alendo padziko lonse lapansi. Cholinga chake ndi kupereka odwala, makamaka ochokera ku UK, Scandinavia, Germany ndi USA, chithandizo chotsika mtengo ku Ulaya, makamaka Poland, Hungary ndi Turkey. Pulatifomuyi imagwira ntchito zamano, opaleshoni yochepetsa thupi, opaleshoni yapulasitiki, mafupa, kuyika tsitsi ndi maopaleshoni amaso. Ndi abwenzi a AXA, ClinicHunter imapatsa makasitomala a EU inshuwaransi yaulendo wachipatala kuti akalandire chithandizo kunja kwa €12.5 ($12.54) patsiku.

[1] Kochokera:

Lapointe, Dominique. “Kulumikizanso zokopa alendo pambuyo pa Covid-19:” Global Tourism ndi COVID-192021, masamba 179-184., https://doi.org/10.4324/9781003223252-17.

“Ziwerengero Zoyendera Zachipatala ndi Zowona.” thanzihttps://www.health-tourism.com/medical-tourism/statistics/.

Tatum, Megan. Kodi alendo azachipatala adzapulumuka Covid-19? BMJ, 2020, p. m2677. https://doi.org/10.1136/bmj.m2677.

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