Thwebula Long-term Care Insurance

Thwebula Long-term Care Insurance,

Njengoba sikhula, amathuba okudinga ukunakekelwa isikhathi eside ayanda. Ukunakekelwa kwesikhathi eside kubhekisela ezinsizeni ezihlukahlukene eziklanyelwe ukuhlangabezana nezidingo zezempilo noma zokunakekelwa komuntu siqu ngesikhathi esifushane noma eside. Lezi zinsizakalo zisiza abantu ukuthi baphile ngokuzimela nangokuphepha ngangokunokwenzeka lapho bengasakwazi ukwenza imisebenzi yansuku zonke bebodwa. Ukunakekelwa isikhathi eside kunganikezwa ekhaya, emphakathini, ezindaweni zokuhlala ezisizwayo, noma emakhaya asebekhulile. Nakuba ithemba lokudinga ukunakekelwa okunjalo lingase libe nzima, ukuhlela kusengaphambili umshwalense wokunakekelwa kwesikhathi eside (LTCI) kunganikeza ukuthula kwengqondo nokuzinza kwezezimali.

Landa i-APK Yomshuwalense Wokunakekelwa Kwesikhathi Eside

Lesi sihloko sidingida ubunkimbinkimbi bomshwalense wokunakekela wesikhathi eside, ukuhlola izinzuzo zawo, ukuthi usebenza kanjani, nokuthi kungani uyingxenye ebalulekile yohlelo oluphelele lwezezimali.

Uyini Umshwalense Wokunakekelwa Kwesikhathi Eside?

Umshwalense wokunakekela wesikhathi eside uwuhlobo lokukhava olusiza ukukhokhela izindleko ezihlobene nezinsizakalo zokunakekela zesikhathi eside. Ngokungafani nomshuwalense wezempilo wendabuko, ohlanganisa izindleko zezokwelapha ezihlobene nokugula nokulimala, i-LTCI ihlanganisa izinsizakalo ezisiza ngemisebenzi yokuphila yansuku zonke. Le misebenzi ihlanganisa ukugeza, ukugqoka, ukudla, ukudlulisa, ukukhululeka, kanye nendlu yangasese. Umgomo oyinhloko we-LTCI uwukuqinisekisa ukuthi abanikazi bamapholisi banezinsiza zezimali ukuze bathole ukunakekelwa abakudingayo ngaphandle kokugcina imali yabo.

Izici Ezisemqoka Zomshwalense Wokunakekelwa Kwesikhathi Eside

Ukufakwa Kwezilungiselelo Ezihlukahlukene Zokunakekelwa

Izinqubomgomo ze-LTCI zivame ukumboza ukunakekelwa okunikezwa kuzilungiselelo ezihlukene, njengokunakekelwa kwasekhaya, izikhungo zokunakekela izingane zasemini, izindawo zokuhlala ezisizwayo, namakhaya asebekhulile. Lokhu kuvumelana nezimo kuqinisekisa ukuthi abantu bangakhetha uhlobo lokunakekelwa olufanelana kangcono nezidingo zabo nalokho abakuthandayo.

Imali Yenzuzo Yansuku zonke

Izinqubomgomo zicacisa inani eliphezulu lenzuzo yansuku zonke, okuyinani eliphezulu umshwalense ozolikhokha ngosuku ezinsizeni ezikhaviwe. Abanikazi bepholisi bangakhetha inani lenzuzo yansuku zonke elihambisana nezidingo zabo zokunakekelwa okulindelekile kanye nezindleko zokunakekelwa kwendawo.

Isikhathi sokuhlomula

Isikhathi sokuhlomula ubude besikhathi ipholisi ezokhokha izinzuzo. Kungaba kusukela eminyakeni embalwa kuya ekuphileni konke. Isikhathi senzuzo eside sinikeza ukumbozwa okunwetshiwe kodwa ngokuvamile kuza namaphrimiyamu aphezulu.

Isikhathi Sokuqeda

Ngokufanayo nemali edonswayo, isikhathi sokuqeda siyinani lezinsuku umnikazi wepholisi okufanele akhokhele ukunakekelwa ngaphandle kwephakethe ngaphambi kokuthi kukhahlele izinzuzo zomshwalense. Izikhathi ezijwayelekile zokuqeda zisukela ezinsukwini ezingama-30 kuye kwezingama-90.

I-Inflation Protection

Ukulandisa ngezindleko ezikhulayo zezinsizakalo zokunakekela zesikhathi eside, izinqubomgomo eziningi zinikeza ukuvikelwa kokwehla kwamandla emali. Lesi sici sinyusa inani lenzuzo yansuku zonke ngokuhamba kwesikhathi, siqinisekisa ukuthi ukufakwa kuhlala kwanele naphezu kokwehla kwamandla emali.

Ukwehliswa kwe-Premium

Uma umnikazi wepholisi eqala ukuthola izinzuzo, amapholisi amaningi ahlanganisa nokuyekwa kwenkokhelo, okusho ukuthi umnikazi wepholisi akusadingeki ukuthi akhokhe amaphrimiyamu ngesikhathi ethola ukunakekelwa.

Kungani Umshwalense Wokunakekelwa Kwesikhathi Eside Ubalulekile

Ukukhuphuka Kwezindleko Zokunakekela Zesikhathi Eside

Izindleko zezinsizakalo zokunakekela zesikhathi eside bezilokhu zikhula kancane kancane. Ukunakekelwa kwekhaya labahlengikazi, isibonelo, kungabiza amashumi ezinkulungwane zamaRandi ngonyaka. I-LTCI isiza ukukhokhela lezi zindleko, ivikele abantu ngabanye kanye nemindeni yabo ebunzimeni bezezimali.

Ukuvikelwa Kokonga Nezimpahla

Ngaphandle kwe-LTCI, ukukhokhela ukunakekelwa kwesikhathi eside ngaphandle kwephakethe kungaqeda ngokushesha ukonga kanye nezimpahla, okungase kushiye abantu abathile besengozini ngokwezimali. I-LTCI ivikela ifa lakho lezezimali futhi ikusiza ekuqinisekiseni ukuthi ungakwazi ukudlulisela izimpahla kuzindlalifa zakho.

ukuba nokuthula

Ukwazi ukuthi unecebo elikhona lokumboza izindleko zokunakekela zesikhathi eside kunganikeza ukuthula kwengqondo okukhulu. Kunciphisa ukucindezeleka nokungaqiniseki okuhlobene nesidingo esingaba khona sokunakekelwa kwesikhathi eside, okukuvumela ukuba ugxile ekujabuleleni ukuphila.

Ukwehlisa Umthwalo Kumalungu Omkhaya

Ukunakekela isikhathi eside kungabeka umthwalo osindayo ngokomzwelo nangokwezimali emalungwini omndeni. Ngokuba ne-LTCI, unganciphisa amathuba okuthi abantu obathandayo bazodinga ukukuhlinzeka noma ukukhokhela ukunakekelwa kwakho, ulondoloze inhlalakahle yabo nokuvikeleka kwezezimali.

Ukukhetha Inqubomgomo Yomshuwalense Wokunakekelwa Kwesikhathi Eside Elungile

Hlola Izidingo Zakho

Cabangela umlando wempilo yomndeni wakho, isimo samanje sezempilo, kanye nezidingo zokunakekelwa ezingaba khona esikhathini esizayo. Lokhu kuhlola kuzokusiza ukuthi unqume izinga lekhava nezici ongazidinga.

Qhathanisa Izinqubomgomo nabahlinzeki

Cwaninga abahlinzeki bomshwalense abahlukene bese uqhathanisa izinqubomgomo zabo. Bheka izinto ezifana nezinketho zokukhava, amanani ezinzuzo, izikhathi zokuqeda, namaphrimiyamu. Qinisekisa ukuthi umhlinzeki unegama eliqinile lesevisi yamakhasimende kanye nokuzinza kwezezimali.

Qonda Imininingwane Yenqubomgomo

Funda ngokucophelela imibhalo yepholisi ukuze uqonde ukuthi yini ekhavwe kanye nalokho okungafakwanga. Naka imigomo nemibandela, bese ubuza imibuzo uma kukhona okungacacile.

Cabangela Ukuvikelwa Kokwehla Nokwehla kwamandla emali

Uma kubhekwa izindleko ezikhuphukayo zokunakekelwa kwesikhathi eside, ukukhetha inqubomgomo enokuvikela ukwehla kwamandla emali kubalulekile. Lesi sici siqinisekisa ukuthi ukufakwa kwakho kuzohlala kwanele ngokuhamba kwesikhathi.

Xhumana Nomeluleki Wezezimali

Umeluleki wezezimali angakunikeza izeluleko eziqondene nawe ngokusekelwe ohlelweni lwakho lwezezimali lulonke kanye nemigomo yesikhathi eside. Bangakusiza ukuthi ukhethe inqubomgomo ehambisana nezidingo zakho.

Long-term Care Insurance Imininingwane

• Ipulatifomu: Android
• Isigaba: App
• Ulimi: IsiNgisi
• Usayizi Wefayela: 18.38 MB
• Ilayisensi: Mahhala
• Unjiniyela: Allianz Partners Health
• Ukuvuselelwa Kwamuva: 24-05-2024
• Thwebula: 1