Inshuwaransi ya chiweto ili ndi maubwino angapo kwa anzanu aubweya, koma imabwera pamtengo.  / ngongole: Steve Diebenport / Getty Images

Kodi inshuwaransi ya ziweto ndiyofunika?

Inshuwaransi ya chiweto ili ndi maubwino angapo kwa anzanu aubweya, koma imabwera pamtengo. / ngongole: Steve Diebenport / Getty Images

Pomwe kukwera kwa mitengo kukukulirakulirabe komanso chiyembekezo choti chichepeko sichikudziwika, anthu mamiliyoni aku America akuyang’anitsitsa ndalama zomwe amawononga pamwezi. Phindu la zolembetsa zonse ndi mautumiki amayesedwa ndi ndalama zawo. Nthawi zina izi zimachepetsa kapena kuyimitsa ntchito zothandizira kulipira ndalama zogulira.

Ngakhale simungathe (kapena simukuyenera) kuletsa chitetezo chazachuma ngati inshuwalansi ya moyo Ndipo the galimoto inshuwalansiNtchito zina ndizoyenera kuziwunika kuti muwone phindu lake lenileni. Kwa eni ziweto, mutha kuganiziranso inshuwalansi ya ziweto.

Chitetezo chapadera chazachumachi chili ndi maubwino angapo kwa inu ndi anzanu aubweya, koma chimabwera pamtengo. Ngati mukuganiza kuti mungapindule ndi inshuwaransi galu kapena mphaka wanu, yambani ndi mawu. Zosavuta kuyamba.

Kodi inshuwaransi ya ziweto ndiyofunika? Ubwino ndi kuipa

Pali zinthu zambiri zomwe muyenera kuziganizira musanagule inshuwaransi ya ziweto, kuyambira pazachuma komanso zomwe mumakonda. M’pofunikanso kupenda ubwino ndi kuipa kwake.

Ubwino: mtengo wololera. Mtengo wa inshuwaransi yaziweto umasiyanasiyana kuchokera kwa wopereka chithandizo kupita kwa wothandizira, monganso zinthu zomwe zimatsimikizira mtengo wake. Komabe, mudzakhala mukulipira pakati pa $15 mpaka $40 pamwezi pa mphaka ndi $30 mpaka $70 pamwezi pa galu (zindikirani: palinso inshuwaransi ya ziweto zamtundu wina wa ziweto). Mtundu, jenda, zaka, ndi kulemera kwa chiweto chanu zimakhudza nambala yanu ya pamwezi. Ndipo ngati zikuwoneka zotsika mtengo, kumbukirani kuti ndizofunika pamtengo wa chisamaliro, chithandizo, ngakhale maopaleshoni. Poyerekeza ndi zolipiritsa zomwezo, zitha kukhala zotsika mtengo kwambiri kupeza inshuwaransi ya ziweto. Simukuyenera kusintha ma vets. Mosiyana ndi inshuwaransi yachikhalidwe cha anthu pomwe opereka “in-network” okha ndi omwe amavomereza chithandizo chanu, inshuwaransi ya ziweto imagwira ntchito ponseponse. Kotero simukuyenera kuyang’ana vet watsopano mutalembetsa. Mutha kukhala ndi munthu amene amasamalira chiweto chanu nthawi zonse. Mofanana ndi mitundu ina ya inshuwalansi, inshuwalansi ya ziweto imapereka mtendere wamaganizo kwa mwiniwake wa ziweto podziwa kuti ndalama zambiri zidzaperekedwa. Zingakhale zovuta kuti wina asankhe pakati pa kulipira kuti athandize chiweto chake ndi kulipira zina. Inshuwaransi yaziweto imachotsa eni ake ku equation yovutayo popereka zowonjezera pamtengo wokhazikika.

Pali maubwino ena ambiri opeza inshuwaransi ya ziweto. Onani zomwe mungasankhe ndikuyika dongosolo lachitetezo tsopano.

Muyenera kulipirabe kanthu. Inshuwaransi ya ziweto zingathandize kuchepetsa ndalama, ndipo nthawi zina, kuzichotseratu. Koma, malingana ndi vuto lomwe chiweto chanu chili nacho, mankhwala omwe akulimbikitsidwa komanso njira iliyonse yopangira opaleshoni, mungafunikire kulowa m’thumba lanu. Sizingathekenso kuti makampani a inshuwaransi ya ziweto akwaniritse zomwe zinalipo kale zomwe zidapezeka kuti chithandizo chanu chisanayambe. Sichimagwira ntchito ngati inshuwaransi yazaumoyo. Ndi inshuwaransi yachikhalidwe, wopereka chithandizo amakufunirani ndalama, ndikukusiyirani ndalama zochepa zolipira kuofesi (ngakhale mabilu angabwere pambuyo pake). Pakadali pano, inshuwaransi ya ziweto imafuna kuti mulipire ndalamazo. Ndiye muli ndi udindo wopereka chiganizo chanu payekhapayekha kwa wopereka chithandizo yemwe adzakulipirani mtsogolo. Simungagwiritse ntchito maubwino onse. Inshuwaransi yanu yapamwezi ya chiweto idzakhala yoyenera ngati ikuthandizani kuchepetsa ndalama. Koma, ngati galu wanu ali ndi thanzi labwino ndipo safuna kuyendera pafupipafupi, mudzatha kulipira chinthu chomwe simuchigwiritsa ntchito. Tsoka ilo, thanzi la ziweto silingadziwike, kotero simungathe kusanthula mtengo weniweni wa phindu mpaka mutalembetsa ndi wothandizira.

Monga tanena kale, inshuwaransi ya ziweto ili ndi maubwino angapo, ndipo ngati mungakwanitse, kungakhale koyenera kuipeza ngati njira yotetezera ziweto zanu. Mutha kulankhula ndi pet inshuwaransi yanu lero kuti mudziwe zambiri.

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