No laila, ke kokoke mai nei ka lā no kāu huakaʻi i kali lōʻihi ʻia ma waho. Ua hoʻopaʻa ʻoe i kāu mau tikiki mokulele, ua hoʻopaʻa i kahi hōkele maikaʻi, a ua hoʻopaʻa paha i kahi kaʻa e hoʻohana ai ma laila. Hiki ke hana maʻalahi ʻia kēia mau mea a pau ma ka Pūnaewele, ʻeā? Akā i waena o kēia mau mea a pau, aia kekahi mea a mākou e poina pinepine ai, akā he mea nui loa ia. ʻO ia ka ʻinikua huakaʻi , ʻo ia hoʻi, ka loaʻa ʻana o ka ʻinikua huakaʻi. Hana ka poʻe he nui i kēia i kekahi mau lā ma mua o ko lākou haʻalele ʻana, a i kekahi manawa poina loa lākou iā ia. Akā i kēia manawa hiki iā ʻoe ke hana koke i kēia ma ka pūnaewele.
I ka ʻōlelo maʻalahi, he aha ka ʻinikua huakaʻi?
E noʻonoʻo inā ua maʻi koke ʻoe, loaʻa i kahi ulia, a nalowale paha kāu ukana i kou wā ma waho? ʻO nā kumukūʻai a me ka hoʻoikaika ʻana o ka holo ʻana a puni e hiki ʻole ke noʻonoʻo ʻia. He pale kēia e kōkua iā ʻoe i ke kālā inā loaʻa kahi pōʻino i manaʻo ʻole ʻia. I ka ʻōlelo maʻalahi, he pale kēia no kāu huakaʻi.
Aia kekahi mau ʻano nui o ka uhi ʻana i hāʻawi pinepine ʻia e ka ʻinikua huakaʻi.
| ʻAno Uhi | He wehewehe maʻalahi |
|---|---|
| Uhi Lapaʻau | Inā loaʻa iā ʻoe kahi maʻi koke a i ʻole kahi ulia ma kahi ʻāina ʻē, uhi ia i nā lilo e like me nā uku haukapila a me nā bila lapaʻau. |
| Ka hoʻoneʻe ʻana i ke olakino | E uhi kēia i nā kumukūʻai kiʻekiʻe o ka hoʻihoʻi ʻana iā ʻoe i Sri Lanka inā loaʻa iā ʻoe kahi maʻi nui a ulia paha. |
| Hoʻōki Huakaʻi | Inā ʻaʻole hiki iā ʻoe ke huakaʻi ma muli o ke kumu koʻikoʻi, e like me ka maʻi koke a i ʻole ka make ʻana o kekahi lālā o ka ʻohana, e kōkua mākou iā ʻoe e hoʻihoʻi i ke kālā āu i uku ai no nā tikiki a me nā hōkele. |
| Nā ukana a me nā mea pilikino | Inā nalowale kāu ʻeke, lohi, a ʻaihue ʻia paha, e hāʻawi ʻia ʻoe i kekahi kālā no ka mea i nalowale. |
He aha nā pōmaikaʻi o ke kūʻai ʻana i ka ʻinikua ma ka pūnaewele?
ʻAʻohe pono e hele i ke keʻena e like me ma mua. I kēia manawa, hiki iā ʻoe ke nānā i nā kikoʻī āu e pono ai ma o nā pūnaewele o nā ʻoihana ʻinikua he nui, koho i ka hoʻolālā e kūpono loa i kāu huakaʻi, a uku no ka ʻinikua ma ka pūnaewele. ʻO ka pōmaikaʻi nui o kēia ka maʻalahi a me ka wikiwiki .
I ka hapanui o nā hihia, hoʻomaka kēia uhi ʻinikua mai ka hola 12:01 AM i ka lā āu e uku ai, a i ʻole ka lā aʻe. No laila, inā hoʻomanaʻo ʻoe i ka minuke hope loa, hiki iā ʻoe ke hana koke i kēia.
Akā e hoʻomanaʻo e hoʻouna aku kekahi mau ʻoihana iā ʻoe i kope paʻa o ka palapala hōʻoia ma o ka leka uila ma hope o kou hoʻopiha ʻana i nā kikoʻī ma ka pūnaewele, no laila ʻaʻole paha e 100% pepa ʻole ke kaʻina holoʻokoʻa.
Nā mea āu e noʻonoʻo pono ai ma mua o ke kūʻai ʻana i ka ʻinikua pūnaewele
ʻOiai ke maʻalahi o ke kaʻina hana pūnaewele, pono ʻoe e makaʻala loa ma mua o kou kaomi ʻana i ke pihi "Buy". A i ʻole, hiki iā ʻoe ke uku kālā a paʻa me ke kōkua ʻole inā hewa kekahi mea.
1. E nānā inā he kūpono ka ʻoihana
ʻO kēia ka mea nui loa . E hōʻoia i ka ʻoihana āu e noʻonoʻo nei e kūʻai i ka ʻinikua mai he ʻoihana kaulana ia i hoʻopaʻa inoa ʻia me ka Insurance Regulatory Commission of Sri Lanka (IRCSL), ke kino e hoʻoponopono ana i ka ʻoihana ʻinikua ma ko mākou ʻāina.
ʻO ke kiʻi ʻana i ka ʻinikua mai kahi ʻoihana i hoʻopaʻa inoa ʻia ma ke kānāwai, ʻo ia hoʻi ke hana nei ka ʻoihana e like me nā kānāwai a me nā lula o ko mākou ʻāina. No laila, inā loaʻa iā ʻoe kahi pilikia, e hoʻemi nui ʻia nā pilikia āu e kū ai i ka loaʻa ʻana o ka uku ʻinikua (koi).
Hiki iā ʻoe ke loaʻa nā kikoʻī e pili ana i kēia ma ka pūnaewele o ka ʻoihana a i ʻole ma ka pūnaewele o ke Komisina Hoʻoponopono ʻInikua o ko mākou ʻāina.
2. E heluhelu pono i nā kūlana o ka mākaʻi.
ʻŌlelo pinepine mākou "Ua ʻae wau" me ka heluhelu ʻole i nā ʻōlelo a me nā kūlana. Akā, mai hana pēlā i kēia hihia. E makaʻala pono i kēia mau mea:
- Nā Uhi: He aha nā uhi āu e loaʻa ai? He aha ka nui loa āu e loaʻa ai?
- Nā mea i hoʻokoe ʻia: He mea nui loa kēia. ʻAʻole uhi kekahi mau kulekele ʻinikua i nā kūlana i loaʻa mua . No ka laʻana, inā loaʻa iā ʻoe ka maʻi diabetes i loaʻa mua, ʻaʻole paha lākou e uku no nā pilikia e pili ana iā ia i ka wā ma waho. Eia kekahi, ʻaʻole paha e uhi ʻia kekahi mau pilikia, e like me nā haʻuki hoʻohiwahiwa.
- Nā Kauka a me nā Halemai: Wahi a kekahi mau ʻoihana ʻinikua e ʻimi wale ʻoe i ka lāʻau lapaʻau mai nā kauka a i ʻole nā halemai ma kā lākou papa inoa. E makaʻala hoʻi i kēlā.
3. Loaʻa iā ʻoe ka waiwai no ke kālā?
Mai kūʻai koke i ka ʻinikua, me ka manaʻo "he liʻiliʻi loa ia." Ke uku nei paha ʻoe i kahi kumukūʻai haʻahaʻa loa no ka uhi palena loa. E hoʻohālikelike i nā hoʻolālā mai nā ʻoihana like ʻole. E noʻonoʻo inā lawa ka uhi lapaʻau a me nā pono ʻē aʻe āu e loaʻa ai no ke kālā āu e uku ai a hoʻoholo.
Ma mua o ka mihi ʻana i ka wā e hewa ai kekahi mea a ʻōlelo aku, "ʻAuē, ʻaʻole au i nānā i kēia ma mua," ʻoi aku ka maikaʻi o ka lawe ʻana i kahi manawa e noiʻi ai i kēia mau mea, ʻeā? ʻO kēia hoʻomākaukau liʻiliʻi e kōkua nui i ka hoʻolilo ʻana i kāu huakaʻi i mea leʻaleʻa a me ka hopohopo ʻole.
Leka Lawe-Home
- Ma mua o ke kūʻai ʻana i ka ʻinikua huakaʻi ma ka pūnaewele, e hōʻoia e hōʻoia ua hoʻopaʻa inoa ʻia ka ʻoihana a ua ʻike ʻia ma Sri Lanka .
- E heluhelu pono i nā ʻōlelo a me nā kūlana o kāu kulekele ʻinikua, ʻoiai ka ʻāpana 'Exclusions' . E ʻike i kāna ʻōlelo e pili ana i nā kūlana olakino mua āu e loaʻa ai.
- E hoʻohālikelike i nā kulekele inikua mai nā ʻoihana like ʻole a koho i ka mea e hāʻawi ana i ka uhi maikaʻi loa no kāu kālā.
- Ma hope o ke kūʻai ʻana i ka ʻinikua, e mālama i kahi kope kikohoʻe a me kahi kope paʻi o nā palapala i loko o kāu ʻeke a me ka leka uila. He mea pono loa ia i ka wā o kahi pilikia.
- Inā ʻaʻole maopopo iā ʻoe kekahi mea, mai kānalua e hoʻokaʻaʻike aku i ka lawelawe mea kūʻai aku o ka ʻoihana inikua pili a noi i nā kikoʻī.
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