By Raechel Fraser | Igqwetha labasebenzi | Burlington / Mount Vernon iofisi
Abaqhubi banoxanduva lokulandela imithetho yendlela ukuqinisekisa ukuba abakhweli babo, abanye abasebenzisa indlela, kunye nabo bahlala bekhuselekile. Nangona kunjalo, ngamanye amaxesha izingozi zemoto inokwenzeka nangona kuqwalaselwa ukhuseleko ezindleleni, kwaye kubalulekile ukuba abaqhubi baqonde iintlobo ezahlukeneyo zeinshurensi ezinokukhusela bona neentsapho zabo xa kuthe kwenzeka ingozi yokuqhuba.
Nangona kukho iintlobo ezininzi zokhuseleko olunokuthengwa ngabaqhubi xa kuthe kwenzeka ingozi yemoto, le bhlog iza kugxila kumahluko ophambili phakathi intlawulo yeentlawulo zonyango (MedPay) kunye ukukhuselwa kokwenzakala komntu (I-PIP).
Yintoni egutyungelwa yiMedPay?
I-MedPay yinto eyongezelelweyo onokuyifaka kwipolisi yakho yeinshorensi yemoto, kwaye igubungela iindleko zonyango ezivela kwiingozi, nokuba ngubani owenze ityala. Ipolisi ye-MedPay inokugubungela iindleko ezifana nezi:
- Iintlawulo zonyango, ii-deductibles, kunye nee-co-pays
- Ukutyelela oogqirha kunye nesibhedlele
- Umsebenzi wamazinyo
- Ambulance
- Utyando
- Ukuqeshwa kweChiropractic
- Iindleko zomngcwabo
I-MedPay yahlukile kwi-inshurensi yezempilo eqhelekileyo kuba ayigubungeli nje kuphela ukwenzakala kwakho, kodwa inokugubungela nabani na olimele kwingozi, kuquka abakhweli, abahambi ngeenyawo, kunye nabakhweli beebhayisekile. I-Medpay ingasebenza njenge-inshurensi yakho ephambili ngexesha lengozi kwaye isetyenziswa kakhulu kwiindawo zasezidolophini ezinezithuthi ezininzi zabahambi ngeenyawo.
Yintoni i-PIP kwaye isebenza njani?
I-PIP, ukhuseleko lokulimala komntu, lolunye unyuselo lwe-inshurensi yemoto olunokuthengwa ngabanini beemoto ukuze lubancede babakhusele ukuba benzakele endleleni. Nangona zombini i-PIP kunye ne-MedPay zibonelela nge-inshurensi engenasiphako, umahluko ophambili phakathi kwe-PIP kunye ne-MedPay, kukuba ukongeza ekugubungeleni iindleko zonyango ezivela kwiingozi, i-PIP inokugubungela iindleko ezongezelelweyo, kwimeko apho ukwenzakala kwingozi yemoto kungenakugubungelwa ngokupheleleyo yi-MedPay.
I-PIP ingagubungela iindleko ezifana nezi:
- Ukulahlekelwa yimali ngenxa yokungakwazi ukusebenza emva kokwenzakala
- Unyango lwengqondo
- Iinkonzo zokunceda ngokunyamekela abantwana nokucoca
- Ukuvuselelwa kwimeko yesiqhelo emva kokwenzakala
Ngenxa yokuba ikwazi ukugubungela iindleko ezininzi, i-PIP ithathwa njengesicwangciso seinshurensi esibanzi kune-MedPay kwaye iyimfuneko kumazwe amaninzi, ngelixa i-MedPay ifuneka kumazwe amabini. I-PIP inceda ukukhusela abaqhubi ngokubanika ukhuseleko oluninzi xa bejongene nengozi yemoto etshintsha ubomi babo.
Xa ugqiba kwelokuba uza kufumana luphi ukhuselo lwe-inshorensi, kubalulekile ukubonisana neengcali kwaye ufunde indlela isicwangciso ngasinye se-inshorensi esinokukukhusela ngayo wena nosapho lwakho xa imeko imbi kakhulu.
Ukuba ukhe wenzakala kwingozi yemoto, kuyacetyiswa ukuba uthethe negqwetha elinamava okwenzakala komntu ngokukhawuleza ukuze ujonge ukuba i-inshorensi yakho inokugubungela ntoni.
Nxibelelana neGqwetha elinamava ngezoNzakalo zoMntu namhlanje
Amagqwetha e-GLP alapha ukukunceda ulawule i-inshurensi yakho emva kwengozi yemoto. Njengoko uphola kwingozi yemoto, siza kuqinisekisa ukuba uyakwazi ukuziva ukhuselekile ngokwezimali. Amatyala okwenzakala komntu ngenxa yokwenzakala kwingozi yemoto anokuba nzima, kwaye kufuneka uqonde iintlobo ngeentlobo zemiba yokhuseleko kunye ne-inshurensi enokusebenza kwityala lakho, kubandakanya i-Medpay okanye i-Personal Injury Protection. Ukuba ucinga ukuba kukho umntu owenze impazamo ebangele ingozi wena, ilungu losapho okanye umhlobo ebenibandakanyeka kuyo, kufuneka ufumane iinkcukacha zebango lakho zihlolwe ligqwetha ngokukhawuleza.
Ukuba ukhe wabandakanyeka kwingozi yemoto, nceda utsalele umnxeba 800.273.5005 okanye uthumele i-imeyile kumagqwetha ethu okwenzakala komntu ku- ukuze ufumane ingcebiso yokuqala yasimahla. Omnye wamagqwetha ethu anobuchule uya kukwazi ukukuxelela ukuba ungakwazi na ukuqokelela umonakalo.
