By Raechel I-Fraser | Ummeli Wabasebenzi | IBurlington / iNtaba iVernon Office
Abashayeli banesibopho sokulandela imithetho yomgwaqo ukuqinisekisa ukuthi abagibeli babo, abanye abasebenzisa umgwaqo, kanye nabo ngokwabo bahlala bephephile. Kodwa-ke, ngezinye izikhathi izingozi zemoto Kusengenzeka naphezu kokunaka ukuphepha emgwaqweni, futhi kusabalulekile ukuthi abashayeli baqonde izinhlobo ezahlukene zomshuwalense ezingabavikela bona nemindeni yabo uma kwenzeka ingozi yokushayela.
Nakuba kunezinhlobo eziningi zokumbozwa abashayeli abangazithenga uma kwenzeka ingozi yemoto, le bhulogi izogxila emehluko omkhulu phakathi ukumbozwa kwezinkokhelo zezokwelapha (MedPay) kanye ukuvikelwa kokulimala komuntu siqu (I-PIP).
Iyini I-MedPay Embozayo?
I-MedPay iyinto eyengeziwe ongayifaka kunqubomgomo yakho yomshuwalense wemoto, futhi ihlanganisa izindleko zezokwelapha ezivela ezingozini, kungakhathaliseki ukuthi ubani onephutha. Inqubomgomo ye-MedPay ingahlanganisa izindleko ezifana nalezi:
- Izinkokhelo zezokwelapha, ama-deductibles, kanye nezinkokhelo ezihambisanayo
- Ukuvakashelwa kodokotela kanye nesibhedlela
- Umsebenzi wamazinyo
- Ama-ambulensi
- Ukuhlinzwa
- Ama-aphoyintimenti e-Chiropractic
- Izindleko zomngcwabo
I-MedPay ihlukile kumshwalense wezempilo ojwayelekile ngoba ayigcini nje ngokumboza ukulimala kwakho, kodwa ingamboza noma ubani olimele engozini, okuhlanganisa abagibeli, abahamba ngezinyawo, kanye nabahamba ngamabhayisikili. I-Medpay ingasebenza futhi njengomshwalense wakho oyinhloko ngesikhathi sengozi futhi ivame ukusetshenziswa ezindaweni zasemadolobheni ezinabantu abaningi abahamba ngezinyawo.
Iyini i-PIP futhi isebenza kanjani?
I-PIP, ukuvikelwa kokulimala komuntu siqu, ingenye insiza yomshuwalense wemoto abanikazi bezimoto abangayithenga ukuze ibavikele uma belimala emgwaqweni. Nakuba, kokubili i-PIP ne-MedPay zihlinzeka ngesembozo esingenaphutha, umehluko omkhulu phakathi kwe-PIP ne-MedPay, ukuthi ngaphezu kokumboza izindleko zezokwelapha ezivela ezingozini, i-PIP ingamboza izindleko ezengeziwe, uma ukulimala okuvela engozini yemoto kungenakumbozwa ngokugcwele yi-MedPay.
I-PIP ingakhokhela izindleko ezifana nalezi:
- Ukulahlekelwa yimali engenayo ngenxa yokungakwazi ukusebenza ngemva kokulimala
- Ukwelashwa kwengqondo
- Izinsizakalo zokusiza ngokunakekela izingane kanye nokuhlanza
- Ukuvuselelwa kokulimala
Ngenxa yekhono layo lokumboza elibanzi, i-PIP ibhekwa njengohlelo lomshuwalense oluphelele kune-MedPay futhi iyadingeka ezifundazweni eziningi, kuyilapho i-MedPay idingeka ezifundazweni ezimbili. I-PIP isiza ukuvikela abashayeli ngokubanika isivikelo esikhulu lapho bebhekene nengozi yemoto eshintsha impilo.
Uma unquma ukuthi yiluphi uhlobo lomshuwalense okufanele uluthole, kubalulekile ukubonisana nochwepheshe futhi ufunde ukuthi uhlelo ngalunye lomshuwalense lungakuvikela kanjani wena nomndeni wakho uma kwenzeka isimo esibi kakhulu.
Uma ulimele engozini yemoto, kutuswa ukuthi ukhulume nommeli wokulimala komuntu siqu onolwazi ngokushesha okukhulu ukuze ubheke ukuthi umshwalense wakho ungakukhokhela ini.
Xhumana Nommeli Onolwazi Ngezokulimala Komuntu Siqu Namuhla
Abameli be-GLP balapha ukuzokusiza ukuthi ubhekane nomshuwalense wakho ngemuva kwengozi yemoto. Njengoba ululama ekulimaleni kwengozi yemoto, sizoqinisekisa ukuthi uyakwazi nokuzizwa uphephile ngokwezimali. Amacala okulimala komuntu siqu ngenxa yokulimala kwengozi yemoto angaba yinkimbinkimbi, futhi kufanele uqonde izinhlobo ezahlukene zezinkinga zomshuwalense kanye nezibopho zomshuwalense ezingasebenza ecaleni lakho, okuhlanganisa ne-Medpay noma i-Personal Injury Protection. Uma ucabanga ukuthi othile ube nephutha ekubangeleni ingozi wena, ilungu lomndeni noma umngane obehileleke kuyo, kufanele uthole amaqiniso esimangalo sakho abuyekezwe ngummeli ngokushesha okukhulu.
Uma uke waba sengozini yemoto, sicela ushayele ucingo 800.273.5005 noma uthumele i-imeyili kubameli bethu bokulimala komuntu siqu ku- ukuze uthole ukubonisana kokuqala kwamahhala. Omunye wabameli bethu abanekhono uzokwazi ukukutshela ukuthi ungakwazi yini ukuqoqa umonakalo.
