Khuphela Long-term Care Insurance

Khuphela Long-term Care Insurance,

Njengoko sikhula, amathuba okuba afune ukhathalelo lwexesha elide ayanda. Ukhathalelo lwexesha elide lubhekisa kwiinkonzo ezahlukeneyo ezenzelwe ukuhlangabezana nempilo yomntu okanye iimfuno zokhathalelo lomntu ngexesha elifutshane okanye elide. Ezi nkonzo zinceda abantu ukuba baphile ngokuzimeleyo nangokukhuselekileyo kangangoko xa bengakwazi ukwenza imisebenzi yemihla ngemihla bebodwa. Unyameko oluhlala ixesha elide lunokunikelwa ekhaya, ekuhlaleni, kwiindawo zokuhlala ezinceda abantu, okanye kumakhaya abalupheleyo. Nangona ithemba lokufuna ukhathalelo olunjalo lunokuba nzima, ukucwangcisa kwangaphambili kunye ne-inshurensi yokunakekelwa kwexesha elide (LTCI) kunokunika uxolo lwengqondo kunye nokuzinza kwemali.

Khuphela i-Inshurensi ye-Inshurensi yexesha elide APK

Eli nqaku ligocagoca kubugocigoci be-inshurensi yokhathalelo lwexesha elide, ukuhlola iinzuzo zayo, indlela esebenza ngayo, kwaye kutheni ilicandelo elibalulekileyo kwisicwangciso semali esibanzi.

Yintoni i-Inshurensi yoKhathalelo lweXesha elide?

I-inshurensi yokunakekelwa kwexesha elide luhlobo lokhuseleko olunceda ukuhlawula iindleko ezinxulumene neenkonzo zokunakekelwa kwexesha elide. Ngokungafaniyo ne-inshurensi yempilo yemveli, ebandakanya iindleko zonyango ezinxulumene nokugula kunye nokwenzakala, i-LTCI ibandakanya iinkonzo ezincedisa kwimisebenzi yokuphila yemihla ngemihla. Le misebenzi ibandakanya ukuhlamba, ukunxiba, ukutya, ukutshintshela kwelinye ilizwe, ukuzimela, kunye nendlu yangasese. Eyona njongo iphambili ye-LTCI kukuqinisekisa ukuba abanini-migaqo-nkqubo banezibonelelo zemali zokufumana ukhathalelo abaludingayo ngaphandle kokulugqiba ugcino lwabo.

Iimpawu eziphambili ze-Inshurensi yokuKhathalelwa kwexesha elide

Ukhuseleko kwiiSetingi zoNyango olwahlukeneyo

Imigaqo-nkqubo ye-LTCI idla ngokugubungela ukhathalelo olunikezelwa kwiindawo ezahlukeneyo, ezinje ngokhathalelo lwasekhaya, amaziko okhathalelo lwemini yabantu abadala, amaziko okuhlala ancediswayo, kunye namakhaya abongikazi. Oku kubhetyebhetye kuqinisekisa ukuba abantu banokukhetha uhlobo lokhathalelo olulungele iimfuno zabo kunye nezinto abazithandayo.

Isixa seNzuzo yosuku

Imigaqo-nkqubo ichaza eyona mali iphezulu yebhenefithi yosuku, eyiyeyona mali iphezulu eya kuhlawulwa yi-inshurensi ngosuku ngeenkonzo ezi-inshoriweyo. Abanini bemigaqo-nkqubo banokukhetha isixa senzuzo yemihla ngemihla ehambelana neemfuno zabo zokhathalelo olulindelekileyo kunye neendleko zokhathalelo lwendawo.

Ixesha leNzuzo

Ixesha lenzuzo bubude bexesha ipolisi eza kuhlawula ngayo izibonelelo. Inokususela kwiminyaka embalwa ukuya kubomi bonke. Ixesha elide lenzuzo libonelela ngokhuseleko olongeziweyo kodwa ngokuqhelekileyo liza neepremiyamu eziphezulu.

Ixesha lokuphelisa

Ngokufanayo ne-deductible, ixesha lokuphelisa linani leentsuku umnini-polisi kufuneka ahlawulele ukhathalelo ngaphandle kwepokotho ngaphambi kokuba izibonelelo ze-inshurensi zikhabe. Amaxesha aqhelekileyo okuphelisa asusela kwiintsuku ezingama-30 ukuya kwezingama-90.

Ukhuseleko lokunyuka kwamaxabiso

Ukunika ingxelo ngeendleko ezikhulayo zeenkonzo zokunakekelwa kwexesha elide, imigaqo-nkqubo emininzi inika ukhuseleko lokunyuka kwamaxabiso. Olu phawu lunyusa isixa senzuzo yemihla ngemihla ekuhambeni kwexesha, siqinisekisa ukuba ukhuseleko luhlala lufanelekile nangona kunyuka kwamaxabiso.

Ukurhoxiswa kwePremium

Nje ukuba umnini-polisi eqalise ukufumana izibonelelo, iipolisi ezininzi ziquka ukurhoxiswa kwepremiyamu, okuthetha ukuba umnini-polisi akasafuneki ukuba ahlawule iipremiyamu ngelixa efumana ukhathalelo.

Kutheni i-Inshurensi yokuKhathalelwa kwexesha elide ibalulekile

Ukunyuka kweeNdleko zoKhathalelo lweXesha elide

Iindleko zeenkonzo zokunakekelwa kwexesha elide ziye zanda ngokuthe ngcembe. Ngokomzekelo, ukhathalelo lwekhaya labongikazi lunokuxabisa amashumi amawaka eedola ngonyaka. I-LTCI inceda ekuhlawuleni ezi ndleko, ukukhusela abantu kunye neentsapho zabo kubunzima bemali.

Ukukhuselwa koLondolozo kunye neeAsethi

Ngaphandle kwe-LTCI, ukuhlawulela ukhathalelo lwexesha elide ngaphandle kwepokotho kunokuphelisa ngokukhawuleza ukonga kunye ne-asethi, okunokuthi kushiye abantu abasengozini ngokwezimali. I-LTCI ikhusela ilifa lakho lezemali kwaye inceda ekuqinisekiseni ukuba unokudlulisela impahla kwiindlalifa zakho.

uxolo lwengqondo

Ukwazi ukuba unesicwangciso esikhoyo sokuhlawula iindleko zokhathalelo lwexesha elide kunokubonelela ngoxolo lwengqondo. Inciphisa uxinzelelo kunye nokungaqiniseki okuhambelana nesidingo esinokubakho sokunakekelwa kwexesha elide, kukuvumela ukuba ugxininise ekunandipha ubomi.

Ukunciphisa Umthwalo Kumalungu entsapho

Ukhathalelo lwexesha elide lunokubeka umthwalo onzima ngokweemvakalelo nangokwemali kumalungu entsapho. Ngokuba ne-LTCI, unokunciphisa amathuba okuba abo ubathandayo baya kufuna ukubonelela okanye ukuhlawula ukunyamekela kwakho, ukugcina impilo-ntle yabo kunye nokhuseleko lwezemali.

Ukukhetha iPolisi ye-Inshurensi yokuKhathalelwa kwexesha elide

Zihlole Iimfuno Zakho

Cinga ngembali yempilo yosapho lwakho, imeko yempilo yangoku, kunye neemfuno zokhathalelo olunokubakho kwixesha elizayo. Olu vavanyo luya kukunceda uqonde inqanaba lokhuselo kunye neempawu ozifunayo.

Thelekisa imigaqo-nkqubo kunye nababoneleli

Phanda ababoneleli beinshorensi abahlukeneyo kwaye uthelekise iipolisi zabo. Jonga izinto ezifana nokhetho lokhuseleko, iimali zenzuzo, amaxesha okuphelisa, kunye neentlawulo zanyanga le. Qinisekisa ukuba umboneleli unegama eliqinileyo lenkonzo yabathengi kunye nokuzinza kwemali.

Qonda iinkcukacha zoMgaqo-nkqubo

Wafunde ngononophelo amaxwebhu epolisi ukuze uqonde ukuba yintoni na e-inshoriweyo kunye nento engabandakanyiweyo. Nika ingqalelo kwimigaqo nemiqathango, kwaye ubuze imibuzo ukuba kukho nantoni na engacacanga.

Qwalasela ngoKhuseleko lokunyuka kwamaxabiso

Ngenxa yokunyuka kweendleko zokhathalelo lwexesha elide, ukukhetha umgaqo-nkqubo wokhuseleko lokunyuka kwamaxabiso kubalulekile. Eli nqaku liqinisekisa ukuba ukhuselo lwakho luya kuhlala lwanele ngokuhamba kwexesha.

Dibana noMcebisi wezeziMali

Umcebisi wezezimali unokubonelela ngeengcebiso zomntu ngokusekelwe kwisicwangciso sakho semali kunye neenjongo zexesha elide. Banokukunceda ukhethe ipolisi ehambelana neemfuno zakho.

Long-term Care Insurance Iinkcukacha

• Iqonga: Android
• Udidi: App
• Ulwimi: IsiNgesi
• Ubungakanani Befayile: 18.38 MB
• Ilayisensi: Mahala
• Umthuthukisi: Allianz Partners Health
• Uhlaziyo lwamva nje: 24-05-2024
• Khuphela: 1