Ixabisa malini ukuhanjiswa eMelika?
Inkqubo ye- Ixabiso eliphakathi lokuba nosana e-US ., Ngaphandle kweengxaki ngexesha lokubeleka, kunjalo $ 10,808 , enokuthi inyuke iye kwi $ 30,000 xa sijonga ukhathalelo olunikiweyo ngaphambi nasemva kokukhulelwa .
Xa ujonga into yokuba e-US, oomama abangama-2,821,010 bazalwa ngokwendalo kwaye oomama abayi-1,332,339 babeneC-c ngo-2019, ngokwe Amaziko oLawulo lweZifo noThintelo , yimali eninzi leyo eya kwinkqubo yokhathalelo lwempilo ye Iindleko zokubeleka.
Amacandelo e-C abiza kakhulu kwezi zimbini , kwaye ziyanda. Umngcipheko wecandelo le-C e-US unyuke ngo 500% ukusukela kwiminyaka yoo-1970, uxele uNeel Shah ngeendaba zase-US .
Kodwa nokuba unikezelo lwendalo okanye icandelo lokuyeka, iindleko ziyahluka ngokuxhomekeke kwimeko ohlala kuyo . Impilo yeFair unikezele ngombono wombuso ngemeko wokuba kubiza malini ukuba nosana kwilizwe ngalinye. .
Skrolela apha ngezantsi ukufumanisa ukuba kubiza malini ukuhanjiswa kwimeko yakho, ngokulandelelana kwealfabhethi. Sifake iindleko eziqhelekileyo zokuzalwa kwendalo kunye ne-inshurensi kunye nokuzalwa kwendalo ngaphandle kwe-inshurensi, kunye neendleko zokufumana indawo ye-cearean kunye ne-inshurensi kunye necandelo lokuyeka ngaphandle kwe-inshurensi.
Iindleko ze-inshurensi zibonisa lonke ityala lesibhedlele. Iindleko eziphuma epokothweni inyani iya kuba sezantsi kwaye iya kuxhomekeka i-inshurensi okanye ikopi zibandakanyiwe kwisicwangciso seinshurensi yezempilo yomntu ngamnye. Iindleko ezingakhuselwanga zixhomekeke kwisixa-mali esipheleleyo esinokuhlawulwa sisibhedlele, apho umntu ongakhuselwanga nge-inshorensi eya kuba noxanduva ngokupheleleyo ngaphandle kokuba kwenziwe amanye amalungiselelo.
IAlabama
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 5,230.46
yendalo ngaphandle kweinshurensi: $ 9,516.86
Icandelo leKesareya Ngeinshurensi: $ 8,221.42 icandelo leCesarean
Akuqinisekiswanga: $ 13,589.75
IAlaska
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 11,609.95
yendalo ngaphandle kweinshurensi: $ 20,243.38
Icandelo leKesareya Ngeinshurensi: $ 16,707.29 icandelo leCesarean
Akuqinisekiswanga: $ 28,617.34
IArizona
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 8,034.32
yendalo ngaphandle kweinshurensi: $ 14,812.45
Icandelo leKesareya Ngeinshurensi: $ 10,699.23 icandelo leCesarean
Akuqinisekiswanga: $ 18,023.04
IArkansas
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 5,724.24
yendalo ngaphandle kweinshurensi: Iidola ezili-10,172.09
Icandelo leKesareya Ngeinshurensi: $ 8,616.81 icandelo leCesarean
Akuqinisekiswanga: $ 13,970.83
California
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 7,755.49
yendalo ngaphandle kweinshurensi: $ 13,974.77
Icandelo leKesareya Ngeinshurensi: $ 11,390.88 icandelo leCesarean
Akuqinisekiswanga: $ 19,184.14
IColorado
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 7,435.49
yendalo ngaphandle kweinshurensi: $ 13,593.07
Icandelo leKesareya Ngeinshurensi: $ 10,356.17 icandelo leCesarean
Akuqinisekiswanga: $ 17,713.57
Unxibelelwano
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 8,071.26
yendalo ngaphandle kweinshurensi: $ 15,000.57
Icandelo leKesareya Ngeinshurensi: $ 10,936.89 icandelo leCesarean
Akuqinisekiswanga: $ 19,692.76
Delaware
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,496.76
yendalo ngaphandle kweinshurensi: $ 12,104.65
Icandelo leKesareya Ngeinshurensi: $ 10,280.30 icandelo leCesarean
Akuqinisekiswanga: $ 17,617.02
IFlorida
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 7,745.00
yendalo ngaphandle kweinshurensi: $ 14,757.28
Icandelo leKesareya Ngeinshurensi: $ 11,917.39 icandelo leCesarean
Akuqinisekiswanga: $ 20,805.89
Jojiya
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 7,264.89
yendalo ngaphandle kweinshurensi: $ 13,410.70
Icandelo leKesareya Ngeinshurensi: $ 11,162.80 icandelo leCesarean
Akuqinisekiswanga: $ 19,328.71
IHawaii
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,112.40
yendalo ngaphandle kweinshurensi: $ 10,552.42
Icandelo leKesareya Ngeinshurensi: $ 8,968.17 icandelo leCesarean
Akuqinisekiswanga: $ 14,445.19
Idaho
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,550.40
yendalo ngaphandle kweinshurensi: $ 11,242.58
Icandelo leKesareya Ngeinshurensi: $ 9,485.11 icandelo leCesarean
Akuqinisekiswanga: $ 15,102.93
I-Illinois
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 8,329.52
yendalo ngaphandle kweinshurensi: $ 14,725.11
Icandelo leKesareya Ngeinshurensi: $ 11,999.74 icandelo leCesarean
Akuqinisekiswanga: $ 19,631.75
Indiana
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,805.89
yendalo ngaphandle kweinshurensi: $ 11,571.69
Icandelo leKesareya Ngeinshurensi: $ 10,749.93 icandelo leCesarean
Akuqinisekiswanga: $ 16,951.98
Iowa
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,405.78
yendalo ngaphandle kweinshurensi: $ 10,938.84
Icandelo leKesareya Ngeinshurensi: $ 9,708.81 icandelo leCesarean
Akuqinisekiswanga: $ 15,135.67
EKansas
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,368.52
yendalo ngaphandle kweinshurensi: $ 10,862.29
Icandelo leKesareya Ngeinshurensi: $ 10,287.78 icandelo leCesarean
Akuqinisekiswanga: $ 16,269.51
EKentucky
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,111.73
yendalo ngaphandle kweinshurensi: $ 11,242.27
Icandelo leKesareya Ngeinshurensi: $ 9,055.16 icandelo leCesarean
Akuqinisekiswanga: $ 15,150.94
ELouisiana
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,008.24
yendalo ngaphandle kweinshurensi: $ 10,970.87
Icandelo leKesareya Ngeinshurensi: $ 8,542.98 icandelo leCesarean
Akuqinisekiswanga: $ 13,776.54
Maine
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 5,947.02
yendalo ngaphandle kweinshurensi: $ 11,047.39
Icandelo leKesareya Ngeinshurensi: $ 9,162.19 icandelo leCesarean
Akuqinisekiswanga: $ 15,906.99
EMaryland
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,471.87
yendalo ngaphandle kweinshurensi: $ 12,596.52
Icandelo leKesareya Ngeinshurensi: $ 9,610.39 icandelo leCesarean
Akuqinisekiswanga: $ 16,425.80
EMassachusetts
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 7,741.64
yendalo ngaphandle kweinshurensi: $ 14,549.03
Icandelo leKesareya Ngeinshurensi: $ 11,012.54 icandelo leCesarean
Akuqinisekiswanga: $ 19,879.60
EMichigan
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,545.41
yendalo ngaphandle kweinshurensi: $ 11,211.17
Icandelo leKesareya Ngeinshurensi: $ 9,695.69 icandelo leCesarean
Akuqinisekiswanga: $ 15,107.17
IMinnesota
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,994.03
yendalo ngaphandle kweinshurensi: $ 11,721.86
Icandelo leKesareya Ngeinshurensi: $ 10,453.20 icandelo leCesarean
Akuqinisekiswanga: $ 15,646.02
Nguyen
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,545.41
yendalo ngaphandle kweinshurensi: $ 11,211.17
Icandelo leKesareya Ngeinshurensi: $ 9,695.69 icandelo leCesarean
Akuqinisekiswanga: $ 15,107.17
EMissouri
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,327.80
yendalo ngaphandle kweinshurensi: $ 10,871.98
Icandelo leKesareya Ngeinshurensi: $ 9,830.36 icandelo leCesarean
Akuqinisekiswanga: $ 15,513.47
EMontana
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 5,962.30
yendalo ngaphandle kweinshurensi: $ 10,244.88
Icandelo leKesareya Ngeinshurensi: $ 8,484.98 icandelo leCesarean
Akuqinisekiswanga: $ 13,344.77
Nebraska
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 5,775.12
yendalo ngaphandle kweinshurensi: $ 9,655.74
Icandelo leKesareya Ngeinshurensi: $ 8,756.02 icandelo leCesarean
Akuqinisekiswanga: $ 13,143.40
INevada
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 7,700.71
yendalo ngaphandle kweinshurensi: $ 13,761.86
Icandelo leKesareya Ngeinshurensi: $ 10,912.63 icandelo leCesarean
Akuqinisekiswanga: $ 18,266.84
ENew Hampshire
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,648.16
yendalo ngaphandle kweinshurensi: $ 12,692.15
Icandelo leKesareya Ngeinshurensi: $ 9,569.52 icandelo leCesarean
Akuqinisekiswanga: $ 16,837.87
Enew Jersey
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 8,963.92
yendalo ngaphandle kweinshurensi: $ 17,504.25
Icandelo leKesareya Ngeinshurensi: $ 11,662.16 icandelo leCesarean
Akuqinisekiswanga: $ 21,294.82
ENew Mexico
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 5,946.97
yendalo ngaphandle kweinshurensi: $ 10,830.34
Icandelo leKesareya Ngeinshurensi: $ 9,096.24 icandelo leCesarean
Akuqinisekiswanga: $ 14,921.50
Inew York
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kweedola i-8,462.84
yendalo ngaphandle kweinshurensi: $ 16,057.74
Icandelo leKesareya Ngeinshurensi: $ 12,114.11 icandelo leCesarean
Akuqinisekiswanga: $ 22,059.22
North Carolina
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,750.16
yendalo ngaphandle kweinshurensi: $ 11,991.33
Icandelo leKesareya Ngeinshurensi: $ 10,102.62 icandelo leCesarean
Akuqinisekiswanga: $ 16,839.97
EMantla Dakota
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 7,974.09
yendalo ngaphandle kweinshurensi: $ 13,277.45
Icandelo leKesareya Ngeinshurensi: $ 11,408.56 icandelo leCesarean
Akuqinisekiswanga: $ 17,647.14
IOhio
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,138.46
yendalo ngaphandle kweinshurensi: $ 10,629.46
Icandelo leKesareya Ngeinshurensi: $ 9,100.74 icandelo leCesarean
Akuqinisekiswanga: $ 14,212.56
Oklahoma
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,083.51
yendalo ngaphandle kweinshurensi: $ 11,266.83
Icandelo leKesareya Ngeinshurensi: $ 10,553.98 icandelo leCesarean
Akuqinisekiswanga: $ 18,121.42
Oregon
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 7,351.16
yendalo ngaphandle kweinshurensi: $ 12,622.35
Icandelo leKesareya Ngeinshurensi: $ 10,972.50 icandelo le-Cesarean
Akuqinisekiswanga: $ 17,948.33
IPennsylvania
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,458.71
yendalo ngaphandle kweinshurensi: $ 12,223.65
Icandelo leKesareya Ngeinshurensi: $ 10,349.39 icandelo leCesarean
Akuqinisekiswanga: $ 18,753.63
IRhode Island
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 5,472.47
yendalo ngaphandle kweinshurensi: $ 10,385.63
Icandelo leKesareya Ngeinshurensi: $ 8,183.02 icandelo leCesarean
Akuqinisekiswanga: $ 14,088.87
EMzantsi Carolina
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,697.16
yendalo ngaphandle kweinshurensi: $ 12,277.26
Icandelo leKesareya Ngeinshurensi: $ 10,036.85 icandelo leCesarean
Akuqinisekiswanga: $ 16,707.30
EMzantsi Dakota
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,835.96
yendalo ngaphandle kweinshurensi: $ 11,457.59
Icandelo leKesareya Ngeinshurensi: $ 10,167.63 icandelo leCesarean
Akuqinisekiswanga: $ 15,994.09
Tennesse
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,817.41
yendalo ngaphandle kweinshurensi: $ 12,587.19
Icandelo leKesareya Ngeinshurensi: $ 10,181.71 icandelo leCesarean
Akuqinisekiswanga: $ 17,157.99
ETexas
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 7,699.20
yendalo ngaphandle kweinshurensi: $ 14,641.11
Icandelo leKesareya Ngeinshurensi: $ 11,267.77 icandelo leCesarean
Akuqinisekiswanga: $ 19,551.97
Utah
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 5,951.76
yendalo ngaphandle kweinshurensi: $ 10,199.52
Icandelo leKesareya Ngeinshurensi: $ 8,952.52 icandelo leCesarean
Akuqinisekiswanga: $ 14,252.80
IVermont
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,219.90
yendalo ngaphandle kweinshurensi: $ 12,138.26
Icandelo leKesareya Ngeinshurensi: $ 9,734.18 icandelo leCesarean
Akuqinisekiswanga: $ 17,428.48
IVirginia
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,517.02
yendalo ngaphandle kweinshurensi: $ 12,342.55
Icandelo leKesareya Ngeinshurensi: $ 10,593.92 icandelo leCesarean
Akuqinisekiswanga: $ 18,261.83
EWashington
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 7,043.42
yendalo ngaphandle kweinshurensi: $ 12,210.33
Icandelo leKesareya Ngeinshurensi: $ 10,725.39 icandelo leCesarean
Akuqinisekiswanga: $ 17,680.54
ENtshona Virginia
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 6,163.94
yendalo ngaphandle kweinshurensi: $ 11,108.51
Icandelo leKesareya Ngeinshurensi: $ 9,376.43 icandelo leCesarean
Akuqinisekiswanga: $ 15,553.63
IWisconsin
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 10,171.19
yendalo ngaphandle kweinshurensi: $ 17,888.14
Icandelo leKesareya Ngeinshurensi: $ 14,239.59 icandelo leCesarean
Akuqinisekiswanga: $ 23,746.69
Wyoming
Iindleko zokuba nosana:
Ukuzalwa kwendalo ngeinshurensi: Ukuhanjiswa kwe- $ 7,724.00
yendalo ngaphandle kweinshurensi: $ 13,143.39
Icandelo leKesareya Ngeinshurensi: $ 11,331.72 icandelo leCesarean
Akuqinisekiswanga: $ 18,476.31
Ndine-Inshurensi yezeMpilo. Yintoni ekufuneka ndiyihlawule ngokuKhathalelwa nokuBeleka?
Imigaqo-nkqubo egubungela iindleko zokubeleka
Iindaba ezimnandi: Ukuba unayo i-inshurensi enikezwe ngumqeshi wakho kwaye inkampani iqeshe abantu abali-15 ngokusisigxina, i-inshurensi yakho kufuneka ibonelele ngeenkonzo zokubeleka.
Ipesenteji yeendleko zokubeletha kunye nokubeleka okuza kuhlawulwa kuxhomekeke kwinkampani yakho ye-inshurensi kunye nesicwangciso onayo, kodwa ngokubanzi, izicwangciso zomqeshwa zihlanganisa iipesenti ezingama-25 ukuya kuma-90 zeendleko. Gcina ukhumbula ukuba oku kusemva kokuba i-deductible ihlangatyeziwe kwaye kunokubakho ukuncitshiswa okwahlukileyo kwilungu ngalinye losapho, ke uya kuhlawula kancinci epokothweni. Ngamanye amagama, ukuba ilungu ngalinye losapho (kubandakanya usana lwakho olusandul 'ukuzalwa) lune- $ 2,000 etsalwayo, kuya kufuneka uhlawule iidola zokuqala ezingama-4,000 zeendleko zokhathalelo lwempilo wena nosana lwakho, kunye nenye into ngaphandle kokuba icebo lakho lingahlawuli.
Ukuba unesicwangciso ngoMthetho woKhathalelo ongenakufikeleleka, uya kubandakanya ukukhulelwa kunye nokuhanjiswa, ewe, nokuba ukhulelwe ngaphambi kokuba ufumane ingxelo.
Imigaqo-nkqubo engenayo
Ukuba unepolisi yeinshurensi, enganikwanga ngumqeshi wakho, ngekhe ihlawule iindleko zokubeleka. Amazwe aliqela afuna izicwangciso zokugubungela iindleko zokubeleka kunye nokuhanjiswa, kodwa uninzi lwamazwe aludingi ukuba benze njalo. Ngo-2010, kuphela iipesenti ezili-12 zemigaqo-nkqubo eyahlukeneyo ebonelela ngokukhulelwa komama. Amaxesha amaninzi, kunokwenzeka ukuba uthenge umkhweli ukuze ahlawule iindleko zokubeleka, kodwa iindleko zinokuphakama (ukuya kuthi ga kwi-1,100 yeedola ngenyanga), kwaye ngamanye amaxesha kukho ixesha lokulinda unyaka omnye okanye emibini ngaphambi kokuba isibonelelo singasetyenziswa.
Ndingaqinisekisa njani ukuba uMboneleli weInshurensi yam yezeMpilo uhlawula kangangoko kunokwenzeka?
Ukuthintela ukuhlawula ngaphezulu okanye into ekungafanelekanga ukuba uyihlawule, kubalulekile ukuba uyiqonde ngokupheleleyo ipolisi yenkampani yeinshurensi yokubeleka. Ukuba unayo i-inshurensi ngomqeshi wakho, isebe lakho lezabasebenzi kufuneka likuncede uqonde ikhava yakho. Uninzi lweenkampani zikwanomnxeba okhulelweyo onokuthi ubize zonke iinkcukacha. Landela ezi ngcebiso ukuqinisekisa ukogquma okuphezulu kunye nefuthe elincinci lesitikha:
Ngenisa inethiwekhi.
Khetha ugqirha wokubelekisa kunye nesibhedlele okanye iziko lokubelekisa ukunqanda iindleko eziphuma epokothweni.
Qonda isicwangciso sakho seinshurensi.
Khangela i-deductible yakho, i-copayment, kunye ne-out-of-pocket maximum ukuze uqikelele ukuba ziya kuba yintoni iindleko zakho.
Musa ukuhlala ixesha elide esibhedlele.
Nceda ujonge ubude bokuhlala kwakho esibhedlele obukhuselweyo kwaye uhlale ixesha elide kangako, ukuba kunokwenzeka.
Yazisa umphathi wakho ngokuzalwa komntwana ngokukhawuleza.
Izicwangciso ezininzi zifuna ukuba kongezwe umntwana omtsha kwi-inshurensi yosapho kwiintsuku ezingama-30 zokuzalwa. Ngaphandle koko, iindleko zomntwana wakho azinakugutyungelwa. Abanye bade balindele ukuba ubatsalele umnxeba xa ufika esibhedlele ukuze uhambise, kwaye ukuba awenzi njalo, banokungavumi ukuhlawula iindleko zokuhanjiswa kwakho kunye nokhathalelo lwesibhedlele somntwana wakho.
Ndingayifumana njani i-Inshurensi yezeMpilo ukuba uMqeshi wam (okanye uMlingane wam) akaNikeli?
I-inshurensi yomntu ngamnye inokuba yinto onokukhetha kuyo, kodwa jonga ukhetho lwakho, njengoko izicwangciso ngokubanzi zingabhataleli iindleko zokubeleka kwaye ngamanye amaxesha ukuphatha ukuphatha ukukhulelwa njengemeko esele ikho (oko kuthetha ukuba ayinakugutyungelwa kakuhle). Unokufanelekela inkqubo yeinshurensi yezempilo. Ezinye ziyafumaneka:
I-inshorensi yempilo
Le nkqubo exhaswa ngemali ibonelela ngoncedo lwezonyango kwiintsapho ezinengeniso ephantsi kunye nabantu. Kathleen Stoll, uSekela Mlawuli weSigqeba Iintsapho e-USA , Ucebisa ukuba abantu basetyhini baphonononge olu khetho nokuba abacingi ukuba kufanelekile. Amanqanaba okufumana umvuzo aphezulu kubafazi abakhulelweyo, ke sukucinga ukuba awufanelanga, utshilo.
Iinkqubo ze-inshurensi yezempilo kaRhulumente
Ezi zinikezelwa kwiindawo ezahlukeneyo. Ukulinganiswa kuyahluka ngokwamazwe.
Ukhathalelo lwempilo.gov
Iququzelela amaziko ezempilo axhaswe ngurhulumente abonelela ngononophelo lonyango olusisiseko, kubandakanya nokhathalelo lwaphambi kokubeleka ngentlawulo eyahlukileyo. Kwaye, njengoko besesitshilo ngaphambili, igubungela iindleko zokukhulelwa.
I-COBRA
Le nkqubo ibonelela ngokuqhubeka kokugubungela impilo kubantu kunye neentsapho eziphulukana nezibonelelo zazo zempilo ngenxa yokuphulukana nomsebenzi okanye ezinye iimeko ezifanelekileyo.
Ukufumana ulwazi oluthe kratya malunga neenketho zeinshurensi zabucala, jonga Isicwangciso sokufumana .
Uza kunciphisa njani ukubeleka kwam nokuBeleka?
Jonga amaxabiso.
Ngokungafaniyo nemeko yonyango olungxamisekileyo, unokuba ngumthengi othengayo. Unokwenza ivenkile ngaphambi kwexesha kuba unexesha lokuhambisa, utshilo uStoll. Fumana isibhedlele esibonelela ngamaxabiso amahle okuhambisa kunye nokhathalelo lwasemva kokubeleka (ewe, ungabuza), kwaye ubone ukuba ngaba kuthathelwa ingqalelo kwinethiwekhi yesicwangciso sakho.
Qwalasela ezinye iinkqubo.
Ukuba ulindele ukuhanjiswa okungalulanga, cinga ngokusebenzisa iziko lokubeleka endaweni yesibhedlele. Iindleko ziya kuvela kwi-3,000 ukuya kwi-4,000 zamaRandi, malunga nesiqingatha sentlawulo yokuhanjiswa kwesibhedlele. Yazi nje ukuba iziko lokuzalela alinakuthathelwa ingqalelo kuthungelwano, ke ungagcina uhlawule ngaphezulu epokothweni kunokuba ungaya kwisibhedlele esikwi-network. Ukuzalwa ekhaya, zonke iindleko zihlala zikwi-100 yeepesenti epokothweni, kodwa ngokubanzi zibiza kakhulu.
Thethana nesibhedlele sakho.
Fumanisa ukuba ingaba isebe lezemali esibhedlele apho uza kusihambisa khona linikezela ngesaphulelo kwizigulana ezingaqinisekiswanga okanye ukuba ziya kusebenza nawe ukuseta isicwangciso sentlawulo.
Thatha amayeza aqhelekileyo.
Sebenza kunye ne-OB yakho ukuphonononga ukuba ngaba kukho ezinye iindlela zokwenza amachiza amiselweyo ngexesha lokukhulelwa okanye kokubeleka. Unokwazi ukuthatha iivithamini zokubeleka ngaphambi kokubeleka endaweni yezinto ezimiselweyo, utshilo uStoll.
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- Ndine-Inshurensi yezeMpilo. Yintoni ekufuneka ndiyihlawule ngokuKhathalelwa nokuBeleka?
- Ndingaqinisekisa njani ukuba uMboneleli weInshurensi yam yezeMpilo uhlawula kangangoko kunokwenzeka?
- Ndingayifumana njani i-Inshurensi yezeMpilo ukuba uMqeshi wam (okanye uMlingane wam) akaNikeli?
- Uza kunciphisa njani ukubeleka kwam nokuBeleka?