Umshwalense Wohambo KuMzansi Afrika: Kungani Kubalulekile
Abantu abaningi bahlela uhambo ngokugcwela - ukuhlala, izindlela, izinto zokwenza - kodwa baphuthelwe yinto eyodwa ebaluleke kakhulu: umshwalense wohambo. Lena ayimali eyaphaziswa - yimali yokulinda ingozi engalinganisiwe.
Ingozi Zokungabi Nomshwalense
Izindleko Zezibhedlela eMzansi Afrika
IMzansi Afrika inazo izibhedlela ezinkulu ezikhethiwe - kodwa izindleko ezikhethiwe zodwa ziyashaqisa:
- Ukuphelelwa (general ward): cishe R15,000-30,000 ngobusuku
- i-ICU (intensive care unit): cishe R50,000-100,000 ngobusuku
- Ukuphathwa emkhathini: cishe R200,000-500,000+
- Ukuhlinzwa okukhethiwe: cishe R50,000-200,000+
Ingabe unandlela yokuxosha le mali ngaphandle komshwalense? Abantu abaningi abanayo.
Ukuphathwa Emkhathini (Emergency Medical Evacuation)
Uma ushayekile emgwaqeni uyashone eKruger noma eDrakensberg, ukuya esibhedlela esikhethiwe esiseduze ngesikhathi esisheshile kudinga i-helicopter evacuation:
- Izindleko zokuphathwa ngehelikoptha: cishe R30,000-120,000 ngokuya ngendlela
Izinkampani zomshwalense eziphezulu zikhokha lezi zindleko - ngaphandle kwezithikamezi.
Okunye Okudingekayo Kumshwalense Wohambo
Ukubiwa Nokuphela Kwezinto
- Amakhamera, amafoni, ikhompyutha: Izindleko zokubuyisela ziphezulu
- Impahla: Ukubiwa emaphepha nje ezinye izindawo
- Izinto ezabiwa ngesikhathi sohambo (isikhangweni, amahotela): Omshwalense abaningi bakhokha
Isiyalo: Miningi umthetho - faka ukubika kwamapolisa ngaphambi kwezinsuku ezingama-24 emva kokubiwa ukuze umshwalense usebenze.
Ukuphazamiseka Kohambo
Izinto ezingazimisela:
- Ukucancelwa kwezindiza ngesizathu esingaphambili (isimo sezulu esibi, ukugula)
- Ukubambeleka emizini ngesizathu esingaphandle kwakho (isimo sezulu, izimbangela zezenhlalo)
- Ukumala komshayeli - ungabuyela ekhaya ngaphambi kwesikhathi
Umshwalense omusha ukhokha izindleko zokuphazamiseka - izindleko zengeziwe zamahotela uma ubambelekile, izindleko zengeziwe zokuya ekhaya.
Ukugula Nge-COVID noma Amagciwane Amanengi
Ngemuva kwesikhathi esedlule, izinkampani ezinkulu zomshwalense zikhona ezifaka izindleko zokuhlala ngokwengeziwe uma ugula ngesikhathi sohambo ngesizathu sobukhali bezempilo.
Izinhlobo Zomshwalense
Umshwalense Omfanele
- Ukuphathwa kwezempilo emkhathini: BALULEKILE kakhulu
- Ukuphathwa ngesikhathi sosapho: Uma ungakwazi ukuhamba ngenhlangano
- Ukubiwa kwempahla: Kulungele ukubuyisela izinto ezibalulekile
- Ukuphazamiseka kohambo: Isabelomali sohambo esishintsha masinyane
Umshwalense Okhethiwe (Umthamo Phezulu)
Uma ufuna ukuvikelwa okukhethiwe kakhulu:
- Amaloji asafari (izindleko eziphezulu) - ukubuyisela ngoluphi uhlobo locwepheshe
- Izinsuku zasezindaweni ezinkulu (ukugula ngempela) - ukuphathwa emkhathini kusuka eKruger
- Uhambo Lwezindleko Ezinkulu - ulwalelo, uhambo lwemindeni
EKTA: Umshwalense Wesifundazwe Oshiwo
EKTA iyinkampani yomshwalense okhethiwe yezivakashi ezizihambelayo nase-SA:
- Ikhona ngokukhetha kwe-online
- Izindleko ezikhethiwe zezinto ezahlukene
- Izinkampani zase-SA ezimukelwa ngasenkulungwini yokulandela
Ukuthenga umshwalense ngaphambili kohambo kusebenza - ngaphambi kokubhukha izindlela nezindawo.
Umshwalense Wezempilo Wase-SA (Medical Aid): Ihlanganise?
Abezikhaya abaningi bane-Medical Aid njengokuhlawuliswa ngumsebenzisi. Hlola izimfuneko zakho:
- Ingabe i-Medical Aid yakho ikhona ngapheli imingcele yomkhaya? Ezinye azikho uma uhamba kude kwasekhaya
- Ingabe ikhokha izindleko zokuphathwa emkhathini? Ayingi yonke ikhipha le mali
Noma inazo le zinketho, umshwalense wohambo okhethiwe unikeza ukuvikeleka okukhethiwe olungenakho i-Medical Aid yansuku zonke.
Iziqondiso Zokukhetha Umshwalense
- Funda izimfuneko ngaphambili - umthetho wokukhokha
- Hlola isilinganiso sokhokho (excess/deductible) - isinqumo esikhethiwe esikhulu sokukhokha ngaphambi komshwalense
- Qinisekisa ukuthi izindleko zezibhedlela ze-SA zikhona
- Bheka indlela yokubika: Ingabe inazo inombolo ye-helpdesk ngesikhathi sonke?
Umshwalense wohambo asihle ngama-R200-800 ngomuntu ngosuku olulodwa - inani elincane kakhulu uma ucabanga izindleko zezibhedlela. Ungazisola ngokuphoza ukuwugcina!
Hlela uhambo lwakho: Thola umshwalense wohambo