Tsitsani Long-term Care Insurance

Tsitsani Long-term Care Insurance,

Pamene tikukalamba, mwayi wofuna chisamaliro chautali umakula kwambiri. Chisamaliro cha nthawi yayitali chimatanthawuza mautumiki osiyanasiyana omwe amapangidwa kuti akwaniritse thanzi la munthu kapena zosowa zake panthawi yochepa kapena yaitali. Ntchitozi zimathandiza anthu kukhala paokha komanso motetezeka momwe angathere pamene sangathenso kuchita ntchito za tsiku ndi tsiku paokha. Chisamaliro chanthaŵi yaitali chingaperekedwe mnyumba, mmudzi, mmalo okhalamo anthu othandiza, kapena mnyumba zosungira okalamba. Ngakhale kuti chiyembekezo chofuna chisamaliro choterocho chingakhale chovuta, kukonzekera patsogolo ndi inshuwalansi ya nthawi yaitali (LTCI) kungapereke mtendere wamaganizo ndi kukhazikika kwachuma.

Tsitsani APK ya Inshuwaransi Yanthawi Yaitali

Nkhaniyi ikufotokoza zovuta za inshuwaransi yanthawi yayitali, kuwunika maubwino ake, momwe imagwirira ntchito, komanso chifukwa chake ili gawo lofunikira kwambiri pazachuma.

Kodi Inshuwaransi Yanthawi yayitali ndi chiyani?

Inshuwaransi yosamalira nthawi yayitali ndi mtundu wa chithandizo chomwe chimathandiza kulipira ndalama zomwe zimagwirizanitsidwa ndi ntchito zosamalira nthawi yaitali. Mosiyana ndi inshuwaransi yazaumoyo, yomwe imalipira ndalama zachipatala zokhudzana ndi matenda ndi kuvulala, LTCI imakhudza ntchito zomwe zimathandiza pazochitika za tsiku ndi tsiku. Zochita izi ndi monga kusamba, kuvala, kudya, kusamutsa, kusadziletsa, ndi chimbudzi. Cholinga chachikulu cha LTCI ndikuwonetsetsa kuti omwe ali ndi ndondomeko ali ndi ndalama zopezera chisamaliro chomwe akufunikira popanda kuwononga ndalama zawo.

Mfundo zazikuluzikulu za Inshuwaransi ya Nthawi Yaitali

Kufunika kwa Zokonda Zosiyanasiyana

Ndondomeko za LTCI nthawi zambiri zimapereka chithandizo choperekedwa mmalo osiyanasiyana, monga chisamaliro chapakhomo, malo osamalira anthu akuluakulu, malo ogona, ndi nyumba zosungirako okalamba. Kusinthasintha kumeneku kumatsimikizira kuti anthu amatha kusankha mtundu wa chisamaliro chomwe chikugwirizana ndi zosowa zawo ndi zomwe amakonda.

Kuchuluka kwa Phindu latsiku ndi tsiku

Ndondomeko zimatchula kuchuluka kwa phindu latsiku ndi tsiku, zomwe ndi ndalama zomwe inshuwaransi idzalipire patsiku pazothandizira. Osunga malamulo amatha kusankha kuchuluka kwa phindu latsiku ndi tsiku lomwe likugwirizana ndi zosowa zawo zoyembekezeka za chisamaliro komanso ndalama zakusamalidwa kwanuko.

Phindu Nthawi

Nthawi yopindulitsa ndi kutalika kwa nthawi yomwe ndondomeko idzalipira phindu. Zitha kukhala zaka zingapo mpaka moyo wonse. Kupeza nthawi yayitali kumapereka chithandizo chowonjezereka koma nthawi zambiri kumabwera ndi ma premium apamwamba.

Nthawi Yothetsera

Mofanana ndi deductible, nthawi yochotsa ndi chiwerengero cha masiku omwe mwiniwake wa ndondomeko ayenera kulipira kuti asamalire mthumba ndalama za inshuwaransi zisanayambe. Nthawi zambiri zochotsera zimachokera masiku 30 mpaka 90.

Chitetezo cha Inflation

Kuwerengera ndalama zomwe zikukwera kwa chithandizo chanthawi yayitali, ndondomeko zambiri zimapereka chitetezo cha inflation. Izi zimawonjezera kuchuluka kwa phindu latsiku ndi tsiku pakapita nthawi, kuwonetsetsa kuti kufalikira kumakhalabe kokwanira ngakhale kukwera kwa inflation.

Kuchotsedwa kwa Premium

Wokhala ndi mapholisi akayamba kulandira zopindulitsa, malamulo ambiri amaphatikizanso kuchotsedwa kwa premium, kutanthauza kuti woyimilirayo sakufunikanso kulipira ndalama zolipirira pamene akulandira chisamaliro.

Chifukwa Chake Inshuwaransi Yanthawi Yaitali Ndi Yofunikira

Kukwera Mtengo Wosamalira Nthawi Yaitali

Mtengo wa mautumiki osamalira nthawi yayitali wakhala ukuwonjezeka pangonopangono. Mwachitsanzo, chisamaliro cha kunyumba ya anamwino chingawononge madola masauzande ambiri pachaka. LTCI imathandiza kulipira ndalamazi, kuteteza anthu ndi mabanja awo ku mavuto azachuma.

Kutetezedwa kwa Ndalama ndi Katundu

Popanda LTCI, kulipira chithandizo chanthawi yayitali kuchokera mthumba kumatha kuwononga ndalama zomwe zasungidwa komanso katundu, zomwe zitha kusiya anthu omwe ali pachiwopsezo chazachuma. LTCI imateteza cholowa chanu chandalama ndipo imakuthandizani kuti mupereke katundu kwa olowa mmalo.

mtendere wamumtima

Kudziwa kuti muli ndi ndondomeko yoti mupereke ndalama zothandizira odwala kwa nthawi yaitali kungakupatseni mtendere wamumtima. Zimachepetsa kupsinjika ndi kusatsimikizika kokhudzana ndi kufunikira kofunikira kwa chisamaliro chanthawi yayitali, kukulolani kuti muganizire kusangalala ndi moyo.

Kuchepetsa Mtolo kwa Achibale

Chisamaliro chanthaŵi yaitali chikhoza kuika mtolo wolemetsa wamaganizo ndi wandalama kwa achibale. Pokhala ndi LTCI, mutha kuchepetsa mwayi woti okondedwa anu adzafunika kukupatsani kapena kulipira chisamaliro chanu, kusunga moyo wawo wabwino komanso chitetezo chazachuma.

Kusankha Ndondomeko Yoyenera ya Inshuwaransi Yanthawi Yaitali

Unikani Zosowa Zanu

Ganizirani mbiri ya thanzi la banja lanu, momwe mulili panopa, ndi zosowa zanu zamtsogolo. Kuwunikaku kudzakuthandizani kudziwa kuchuluka kwa kufalikira ndi zomwe mungafune.

Fananizani Ndondomeko ndi Opereka

Fufuzani opereka inshuwaransi osiyanasiyana ndikuyerekeza ndondomeko zawo. Yanganani zinthu monga njira zoperekera chithandizo, kuchuluka kwa phindu, nthawi yochotsera, ndi zolipirira. Onetsetsani kuti woperekayo ali ndi mbiri yamphamvu yothandiza makasitomala komanso kukhazikika kwachuma.

Mvetsetsani Tsatanetsatane wa Ndondomeko

Werengani mosamala zikalata zamalamulo kuti mumvetsetse zomwe zikuphatikizidwa ndi zomwe sizikuphatikizidwa. Samalani ndi zomwe zili, ndipo funsani mafunso ngati palibe chomwe sichikudziwika.

Ganizirani za Chitetezo cha Inflation

Chifukwa cha kukwera mtengo kwa chisamaliro chanthawi yayitali, kusankha ndondomeko yokhala ndi chitetezo cha inflation ndikofunikira. Izi zimatsimikizira kuti kufalitsa kwanu kumakhala kokwanira pakapita nthawi.

Funsani ndi Mlangizi wa Zachuma

Mlangizi wazachuma atha kukupatsani upangiri wamunthu malinga ndi dongosolo lanu lonse lazachuma komanso zolinga zanthawi yayitali. Akhoza kukuthandizani kusankha ndondomeko yomwe ikugwirizana ndi zosowa zanu.

Long-term Care Insurance Malingaliro

• Nsanja: Android
• Gulu: App
• Chilankhulo: Chingerezi
• Kukula kwa Fayilo: 18.38 MB
• Chilolezo: Zaulere
• Mapulogalamu: Allianz Partners Health
• Kusintha Kwaposachedwa: 24-05-2024
• Tsitsani: 1