Kodi ndi nthawi yoti inde ku inshuwaransi yazaumoyo wa ziweto?

Chifukwa chiyani US ikubwerera kumbuyo pankhani ya ziweto zotetezedwa? Dr. Rothstein amayesa kuyankha funsoli ndi kulosera zimene zidzachitike m’tsogolo

Masabata angapo apitawo, mnzanga anandifunsa zomwe timachita m’chipatala ngati chiweto chilibe inshuwalansi. Anadabwa kupeza kuti anali ndi ziweto zochepa kwambiri. Chodabwitsa n’chakuti, kodi sizikuwoneka zomveka kwa mwiniwake wosalimba mtima kwambiri kuti nyamazo zidzalandira inshuwalansi ya umoyo, komabe si chisankho chodziwikiratu kwa eni ake enieni? Ndi 2% -3% yokha ya ziweto ku US zomwe zili ndi inshuwaransi,1 Pomwe 25% ndi 50% amaphunzitsidwa ku UK ndi Sweden motsatana.2

Kuti ndimvetse bwino manambalawa, ndidalankhula ndi wakale Darren Nelson, wachiwiri kwa purezidenti ku Thrive Pet Healthcare komanso CEO wakale wa kampani ya inshuwaransi ya ziweto Trupanion. Analowa nawo ku Trupanion mu 2012 chifukwa adachita mantha ndi kuchuluka kwa ziweto zomwe zikugwiriridwa kapena kulandira chisamaliro chosayenera pazifukwa zachuma ndipo adawona kuti inshuwalansi ingachepetse vutoli. Komabe, adadabwa komanso kukhumudwa chifukwa cha kusowa kwa kukula kwa mafakitale panthawi yomwe anali ku Tropanion.

Ndinalankhulanso ndi David Goodnight, DVM, MBA, Wachiwiri kwa Purezidenti wa Business Development ku LifeLearn. Yemwe kale anali wamkulu pa Veterinary Pet Insurance, adalowanso mubizinesi akukhulupirira kuti makolo a ziweto ku United States ali okonzeka kulandira chithandizo. Monga Nelson, nayenso anali wokhumudwa komanso wosokonezeka chifukwa cha kuchepa kwa chidwi pakati pa eni ziweto komanso gulu lachipatala.

Pali zifukwa zazikulu zitatu zomwe kufunikira kwa inshuwaransi ya ziweto kukucheperachepera.

  1. M’mbuyomu, madokotala akhala akuda nkhawa kuti inshuwaransi yazaumoyo ya ziweto ikhoza kukhala ndi tepi yofiyira, zolemba zambiri, komanso kulipira pang’onopang’ono zomwe zimabweretsa kukhumudwa komanso kutopa. Madokotala ambiri masiku ano amazindikira kuti izi sizingachitike chifukwa inshuwaransi ya ziweto imasiyana ndi inshuwaransi ya anthu chifukwa imakhudza kwambiri ngozi ndi matenda osati chisamaliro chonse. Zipatala zambiri tsopano zikulimbikitsa – ndipo zimapeza kuti makasitomala ambiri alibe chidwi.
  1. Makolo ambiri a ziweto amafunsa za inshuwaransi ya ziweto pambuyo poti ziweto zawo zili ndi vuto la thanzi, ndiye kuti sakuyenera kulandira chithandizo cha vutolo. Kenako eni akewo amaona kuti inshuwalansiyo ndi yachabechabe chifukwa sinawathandize pa nthawi imene ankayifuna. Chowonadi, chomwe ayenera kuchita ndikuteteza ziweto zikadali zazing’ono komanso zathanzi labwino kuti zitetezedwe zikadwala.
  2. Zofalitsa ndi nsanja zowunikiranso ogula, kwa iwo, nthawi zambiri zimanena kuti inshuwaransi ya ziweto sizoyenera ndalama komanso kuti eni ziweto ali bwino kulipira akamapita. Kawirikawiri, awa ndi ndemanga zomwezo zomwe zimadandaula kuti malipiro a ziweto ndi okwera kwambiri. Zikuwoneka kuti sakumvetsetsa kuti inshuwaransi sikutanthauza kuchotsera kapena kupulumutsa ndalama, ikukhudza kupanga bajeti ya matenda ndi zochitika zosakonzekera zomwe, monga momwe eni ziweto ambiri amadziwira, ndizofala kwambiri.

Chosangalatsa ndichakuti, kuthana ndi izi ndikufunika kosamalira ziweto komanso phukusi lodziletsa. Mapulani awa ndi ofala kwambiri m’zachinyama ndipo amakonda kulembetsa bwino. Pazifukwa zina, ndipo izi zikuwoneka kuti zikudodometsa Nelson ndi Goodnight, makasitomala amakhudzidwa kwambiri ndi bajeti ya chisamaliro chapachaka chomwe amadziwa kuti ziweto zawo zidzafunika kusiyana ndi vuto lachipatala lokwera mtengo lomwe lingabwere mtsogolo. Zomwe eni ziweto sazindikira ndikuti m’chaka chimodzi mwa ziweto zitatu zimafunikira chithandizo chadzidzidzi.3

Malinga ndi Emily Dong, woyambitsa ndi CEO wa SnoutID – kampani yomwe imapereka mapulani a thanzi – chinsinsi chopezera ziweto zambiri inshuwaransi ndikuti zipatala zizipereka njira zodzitetezera zomwe zimalola makasitomala kuwonjezera inshuwaransi yaumoyo pambuyo pake kuti pamapeto pake akhale ndi phukusi lathunthu.

Kodi tsogolo la inshuwaransi ya ziweto likuwoneka bwanji, ndipo likufananiza bwanji ndi lingaliro la mnzanga kuti ziweto zambiri zili nazo? Tsogolo silingakhale labwino kwambiri, koma pali zinthu 5 zomwe zikuwonetsa kukula kwakukulu posachedwa.

  1. Ambiri okhala ndi ziweto masiku ano ndi zaka chikwi, omwe – mowerengera – amasamalira bwino ziweto zawo kuposa makolo okalamba.
  2. Zakachikwi zakula ndi ntchito zolembetsa pamwezi ndipo zimagwirizana bwino ndi mapulani aumoyo ndi inshuwaransi omwe amalipidwa pamwezi.
  3. Bizinesi ya inshuwaransi ya ziweto yakula pafupifupi 20% pachaka pazaka zingapo zapitazi.1
  4. Palibe kusowa kwa makampani a inshuwalansi a ziweto: Makampani a inshuwalansi oposa 20 amagwira ntchito ku United States.4
  5. Ndalama za DVM zikuchulukirachulukira chifukwa cha kuchuluka kwa ntchito zachipatala, kusowa kwa ogwira ntchito komanso kukwera kwamitengo.

Kodi tafika pachimake? Kodi makasitomala potsirizira pake adzawona kufunika kwa bajeti ya matenda ndi zochitika zadzidzidzi komanso chisamaliro chodzitetezera? Wachibale wanga adanditumizira maimelo masiku angapo apitawa za phukusi lawo lothandizira antchito. Dongosololi limaphatikizapo kusankha kwa inshuwaransi ya ziweto ndi chisamaliro chaumoyo pamtengo wotsika, ndi ndalama zochotsedwa pamalipiro. Mwina kampani yopita patsogoloyi idzakhazikitsa njira, ndipo izi zidzakhala tsogolo lamtsogolo. Kodi tingapite ku Ulaya? Izi zitha kukhala zochuluka kwambiri, koma kutsata 10% ya inshuwaransi ya ziweto kungakhale chandamale chabwino, ndipo tiyenera kuyamba kwinakwake.

Jeff Rothstein, DVM, MBA, ndi amene anayambitsa Mission Veterinary Partners (MVP), yomwe ili ku Southfield, Michigan, yomwe imagwira ntchito zipatala zoposa 320 zachipatala ku United States. Ndiwolankhula pafupipafupi pamisonkhano yazowona zanyama ndi masukulu azanyama ndipo atha kulumikizidwa pa jeff.rothstein@mvetpartners.com. Malingaliro omwe afotokozedwa apa ndi a Rothstein yekha ndipo sangagawidwe ndi MVP.

maumboni

  1. 57 Ziwerengero Za Inshuwaransi Ya Pet Zomwe Muyenera Kudziwa Za 2022. Shortlist. Inafikira pa Ogasiti 10, 2022. www.myshortlister.com/insights/pet-insurance-statistics
  2. United States ikutsalira m’mbuyo pogula mapulani a inshuwalansi ya ziweto. Woodruff. Jan. 30, 2018. Inafikira pa Oga. 10, 2022. www.wearewoodruff.com/blog/pets/ United-States-lags-behind-pet-insurance
  3. Reinick C. Kodi mwakonzekera ngozi yadzidzidzi? Ambiri aku America sali. Mtengo CNBC. June 14, 2018. Inafikira pa Ogasiti 5, 2022. www.cnbc.com/2018/06/14/ are you- ready-for-a-pet-Emergency-most-americans are-not.html
  4. kukana. Report status. Meyi 2022. Inafikira pa Ogasiti 5, 2022. https://naphia.org/industry-data/

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