Matenda a Crohn ndi inshuwaransi yoyendera – Mlangizi wa Forbes UK

Ngati muli ndi matenda a Crohn, mungafunike kulipira zambiri za inshuwaransi yaulendo chifukwa chowopsa kuti mutha kudwala matendawa ndikusowa chithandizo chamankhwala mukakhala kutali.

Mukalemba mawu pa intaneti, mudzafunsidwa ngati muli ndi zomwe zimadziwika kuti “mankhwala omwe analipo kale” ndikupatsidwa mndandanda wazomwe mungasankhe. Ndikofunikira kuyankha ndi chidziwitso chokwanira komanso cholondola chifukwa ngati simutero, simungathe kuyitanitsa chikalatacho.

Kuwonjezeka kwa malipiro anu kudzatsimikiziridwa malinga ndi kuopsa kwa matenda anu ndi chithandizo chomwe mukulandira ndi kulandira m’mbuyomu.

Ngati mlandu wanu uli wovuta kwambiri, mungapeze kuti chiwerengero cha makampani a inshuwalansi okonzeka kutchula, ngakhale pamtengo wapamwamba, chikuchepa. Angathenso kuchepetsa kapena kuchepetsa chivundikiro choperekedwa.

Fananizani mitengo ya inshuwaransi yoyenda

Fananizani ndi zosonkhanitsa zathu zamalamulo opitilira 100

Kodi matenda a Crohn ndi chiyani?

Matenda a Crohn ndi matenda otupa a m’matumbo omwe amachititsa kutupa nthawi ndi nthawi kapena kosalekeza kwa minofu m’madera ena a m’mimba.

Bungwe lachifundo la Crohn’s & Colitis UK lapeza kuti munthu m’modzi mwa anthu 123 ku UK akudwala IBD.

Kodi ndifunika chiyani kuti ndinene kuti ndili ndi matenda a Crohn?

Mukafunsira inshuwaransi yapaulendo, muyenera kupereka zambiri, monga:

  • Kaya munapatsidwa mankhwala kapena munapita kuchipatala chifukwa cha matenda anu mkati mwa zaka ziwiri zapitazi
  • Kaya muli pamndandanda woyembekezera kulandira chithandizo kapena kufufuza
  • Chiwerengero cha maopaleshoni omwe ndinafunikira kuchiritsidwa zaka zisanu zapitazo
  • Kaya mudabayidwa jekeseni kapena kubayidwa mankhwala m’miyezi 12 yapitayi
  • Chiwerengero cha matenda otsekeka m’matumbo omwe mudakhala nawo m’zaka 5 zapitazi.

Bwanji ngati zomwe zinalipo kale sizinafotokozedwe?

Mutha kuletsa ndondomeko yanu ngati mutayesa kudandaula chifukwa cha vuto lomwe mumadziwa koma simunatchulepo pamene mudapempha chithandizo. Kampani yanu ya inshuwaransi mwina siyingakulipire ngati ikuyang’ana mbiri yanu yachipatala ndikupeza kuti mwabisa zambiri.

Ngati mukuyenera kulipira chithandizo chamankhwala ndikubwereranso ku UK nokha, ndalamazo zitha kukhala mapaundi masauzande angapo.

Kodi chimachitika ndi chiyani ndikakhala ndi vuto la Crohn ndili kutali?

Gwiritsani ntchito nambala yolumikizirana mwadzidzidzi yomwe ili m’makalata achitetezo kuti mudziwitse kampani yanu ya inshuwaransi posachedwa. Ngati ali ndi nthawi yokwanira, akuyenera kukulolezani chithandizo ndikukonzekera kuti alipire.

Ngati simungathe kulumikizana ndi kampani yanu ya inshuwaransi nthawi yomweyo, chifukwa cha ngozi yachipatala, mwachitsanzo, muyenera kulipira ngongole zonse ndikudzitengera ndalamazo. Ndikofunikira kuti musunge malisiti anu amankhwala kuti mupatse kampani yanu ya inshuwaransi makope ake.

Mutha kukhala ndi vuto kubweza ndalama zomwe sizinalembedwe.

Ngati mukuyenda ku Ulaya, muyenera kutenga khadi lanu la EHIC kapena GHIC kuti mupeze chithandizo chamankhwala mofanana ndi kwanuko – onani pansipa kuti mudziwe zambiri.

Kodi ndingatani ngati nditamwa mankhwala kunja?

Mudzafunika kalata yochokera kwa dokotala yofotokoza cholinga cha mankhwala anu, ngati mwanyamula m’chikwama chanu.

Kumbukirani kumwa mankhwala okwanira pa nthawi yanu yatchuthi ndikulemba zomwe mumamwa komanso mlingo ngati mwaphonya.

Nthawi zina, simungaloledwe kumwa mankhwala ena kudutsa malire a boma. Kuti mudziwe mankhwala omwe mungatenge nawo, funsani ofesi ya kazembe wa dziko kapena mkulu wa bungwe.

Kodi ndingapeze bwanji inshuwaransi yoyendera matenda a Crohn?

Kuti mupeze chivundikiro chomwe mukufuna pamlingo wopikisana kwambiri, yesani kugwiritsa ntchito ma quotes ndi chida chofananira ndi inshuwaransi yoyendera ngati yathu.

Ndondomeko zomwe zikuphatikiza £3,000 pakuletsa ulendo ndi £10m zolipirira zamankhwala kwa masiku asanu ndi awiri ku Spain zimayambira pa £35.

Izi zimachokera paulendo wazaka 30 yemwe adapatsidwa mankhwala kapena kupita kuchipatala m’zaka zapitazi za 2 chifukwa cha matenda a Crohn, anali ndi 2 mpaka 4 zolepheretsa matumbo m’zaka 5 zapitazo, ndipo posachedwa 1 mpaka 3 zaka zapitazo.

Ngati wapaulendo wachitanso maopaleshoni awiri kapena kuposerapo kuti athe kuchiza matenda awo m’zaka zisanu zapitazi, atha kuyembekezera kulipira ndalama zokwana £10 pamlingo womwewo.

Izi zikufanizira ndi mtengo woyambira pa £8 kwa wapaulendo wopanda matenda a Crohn.

EHICs ndi GHICs

Ndikofunika kutenga European Health Insurance Card (EHIC) kapena British Global Health Insurance Card (GHIC) yomwe imakulowetsani m’malo mwake ngati mukupita ku dziko la EU.

Makhadiwa amapatsa wonyamula mwayi wolandira chithandizo chamankhwala chaboma mogwirizana ndi momwe nzika yadzikolo imakhalira.

Sali m’malo mwa inshuwaransi yapaulendo chifukwa salipira mtengo wa chithandizo chaumwini kapena kubweza, mwachitsanzo. Komabe, makampani ena a inshuwaransi yapaulendo amachotsa zolipiritsa zilizonse zomwe wapaulendo amagwiritsa ntchito khadi yotere.

Ma EHIC amakhala zaka zisanu kuyambira tsiku lotulutsidwa. Mutha kupeza GHIC kwaulere ku NHS.

Kodi inshuwaransi yanga yoyenda idzandilipira chiyani?

Kuphatikiza pa kubweza ndalama zachipatala zadzidzidzi, kuletsa ulendo, ndi katundu wotayika kapena kubedwa, ndondomeko zambiri zimaperekanso mitundu ina ya chithandizo, kuphatikizapo kuchedwa kwa maulendo kapena maulendo apandege omwe mwaphonya, ngati chifukwa chake simungathe kuzikwanitsa.

Kufunika kwa inu ndi zida zanu, ngati mukufuna kutenga nawo mbali pamasewera kapena zochitika zina, zitha kuphatikizidwa ngati zokhazikika kapena pamtengo wowonjezera.


Fananizani mitengo ya inshuwaransi yoyenda

Fananizani ndi zosonkhanitsa zathu za mfundo zopitilira 100


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