Fɔ bi mama ɔ papa na wan pan di tin dɛn we kin mek pɔsin gladi pas ɔl na layf, nɔto so? Bɔt, wi nid fɔ rɛdi smɔl bak fɔ tek da gladi at de. Ɛspɛshali pan mɔni biznɛs. If wi no di spɛns we wi go gɛt fɔ spɛn fɔ di nyu smɔl gɔst we de kam na di os bifo tɛm ɛn plan fɔ am fayn fayn wan, wi go gɛt kolat na wi maynd. So tide, lɛ wi tɔk bɔt us kayn spɛns wi go gɛt fɔ spɛn fɔ di nyu addɛshɔn to yu famili, ɛn aw wi go rɛdi fɔ dɛn.
Us opshɔn dɛn wi gɛt na Sri Lanka?
Fɔs, wi nid fɔ ɔndastand se na Sri Lanka, we wi de op fɔ bɔn pikin, tu men tin dɛn de we wi kin pik frɔm. Wan pan dɛn na di gɔvmɛnt ɔspitul sistɛm . Di ɔda wan na prayvet ɔspitul dɛn . Di kɔst dɛn we dɛn kin spɛn fɔ du dɛn tu tin ya rili difrɛn.
1. If yu pik govanment haus sik...
Di gɔvmɛnt wɛlbɔdi biznɛs na Sri Lanka rili ay kwaliti. If yu pik gɔvmɛnt ɔspitul, yu go gɛt ɔltin frɔm klinik dɛn bifo dɛn bɔn pikin, tɛst dɛn, di pikin dɛn we dɛn de bɔn, we dɛn de na ɔspitul, ɛn di mɛrɛsin dɛn we yu nid fɔ pe fɔ fri wan . Dis na rial rilif.
Bɔt sɔm tin dɛn kin de we nɔ kin apin to pɔsin . Tink bɔt am dis we.
- Travul ɛkspɛns fɔ go ɛn kam na klinik dɛn.
- Sɔntɛnde, tin dɛn lɛk skan we dɛn fɔ du na do bikɔs mashin nɔ de wok fayn na di ɔspitul.
- If yu want, if yusɛf mit ɛn chanɛl dɔktɔ we de wok na gɔvmɛnt ɔspitul, yu go gɛt fɔ pe sɔm fi fɔ dat.
Di tin we impɔtant pas ɔl na dat di mɛdikal savis ɛn kia we yu de gɛt na gɔvmɛnt ɔspitul rili bɔku. Yu nɔ nid fɔ wɔri tumɔs bɔt mɔni.
2. If yu pik prayvet haus sik...
We yu de pik prayvet ɔspitul, yu go gɛt fɔ spɛn sɔm mɔni. Bɔt yu kin ɛkspɛkt bak sɔm tin dɛn we yu go gɛt, lɛk fɔ gɛt wan rum, fɔ pe atɛnshɔn mɔ, ɛn ɔda tin dɛn.. Na ya, dɛn kin sheb di kɔst dɛn to sɔm men pat dɛn.
Aw fɔ sheb di spɛns na prayvet ɔspitul
I at fɔ gi wan stret ansa to di ɔl kɔst fɔ prayvet ɔspitul. I kin difrɛn fɔ di ɔspitul we yu pik, di siti, di dɔktɔ , ɛn ɛni prɔblɛm we kin apin we yu de bɔn pikin. Lɛ wi gɛt wan rough aidia bɔt dɛn kɔst ya.
| Sɛkshɔn fɔ Ɛkspɛndichɔ | Tin dɛn we dɛn kin put insay ɛn wan rɔf aydia |
|---|---|
| Di Kɔst dɛn we dɛn kin gɛt bifo dɛn bɔn pikin | Dis inklud chanɛl fi, ɔltra saund skan, blɔd tɛst, ɛn ɔda lab tɛst, we kin kɔst bɔku bɔku mɔni ɛvri mɔnt. |
| Di Kɔst fɔ Dilivri | Dis na di big big spɛns. Mɔs prayvet ɔspitul dɛn gɛt sɛpret paket fɔ nɔmal dilivri ɛn sizarian sɛkshɔn (C-sekshɔn). Dis pakej gɛt tin dɛn lɛk ɔspitul fi, ɔpreshɔn rum fi, ɛn nɔs fi. Bɔt bɔku tɛm, di dɔktɔ dɛn fi (VOG, anesthesiologist, pediatrician) nɔ kin de insay dis pakej. Dɛn fɔ pe dɛn wan bay wan. Dis kin kɔst lɛk Rs. 200,000 to Rs. 500,000 ɔ ivin pas dat. |
| Di Kɔst dɛn we pɔsin kin gɛt afta di pikin bɔn | di kכst fכ fכlכp visit to di dכkta afta dεn bכn di pikin, εn di kכst fכ gεt di pikin in vaysin dεm we i nid prayvet wan, dεn ad pan dis. |
I impɔtant fɔ mek if yu pik prayvet ɔspitul, kɔl di ɔspitul bifo tɛm ɛn aks dɛn klia wan bɔt dɛn paket, wetin de insay ɛn wetin nɔ de. Dɔn bak, tɔk bɔt dis wit yu dɔktɔ.
Di kɔst fɔ mɛrɛsin ɛn vaytamɛn dɛn
Yu dɔktɔ go advays yu fɔ tek impɔtant vaytamɛn dɛn lɛk fɔlik asid ɛn ayɔn we yu gɛt bɛlɛ.
- Yu kin gɛt ɔl dis fɔ fri na gɔvmɛnt ɔspitul .
- If yu de luk fɔ tritmɛnt prayvet wan , yu go gɛt fɔ pe fɔ dɛn vaytamɛn ya ɛn ɔda mɛrɛsin dɛn we yu nid na famasi.
Bɔt mɛmba se afta yu dɔktɔ tɛl yu sɔm vaytamɛn dɛn bifo yu bɔn pikin, chɛk fɔ si if yu inshɔrans de kɔba dɛn.
Ɛkspɛns dɛn we pas di mɛdikal bil dɛn
Naw lɛ wi tɔk bɔt di spɛns we dɛn kin spɛn fɔ pripia fɔ di pikin, apat frɔm di ɔspitul bil dɛn. Dis na spɛns we bɔku mama ɛn papa dɛn nɔ kin want fɔ spɛn.
Na sɔm tin dɛn we impɔtant fɔ pikin:
- Wan krib fɔ di pikin fɔ slip insay (Krib / Kɔt) .
- If yu de go wit motoka, yu fɔ gɛt motoka sit.
- Daypa ɛn Wayp dɛn
- Sɔm bebi klos dɛn
- Bebi tub
- If yu nɔto mama we de gi pikin in bɛlɛ, fɔmula ɛn pikin bɔtul
- Bebi monita - Dis nɔ impɔtant, bɔt i rili izi.
Wan smɔl advays...
We yu de bay dɛn tin ya, yu kin ivin bay sɔm we dɛn dɔn yuz (sɛkɔnd). Fɔ ɛgzampul, bebi klos. Bɔt i bɛtɛ fɔ bay tin dɛn we gɛt fɔ du wit sef, lɛk motoka sit ɔ bed, nyu . Na bikɔs wi nid fɔ ebul fɔ mek shɔ se dɛn sef.
Di Kɔst fɔ Kia fɔ Pikin
If mama ɛn papa ɔl tu de wok, fɔ fɛn pɔsin fɔ kia fɔ di pikin afta dɛn bɔn di pikin na big mɔni bak.
- If yu de put yu pikin na daycare center, di mɔni we yu go pe ɛvri mɔnt go bi fɔ dat.
- If yu fɛn pɔsin fɔ de na os ɛn tek kia ɔf di pikin (Nanny / Helper), wetin na di salari we yu go gɛt fɔ pe da pɔsin de.
Sɔntɛnde, wan pan di mama ɛn papa dɛn, we bɔku tɛm na di mama, kin disayd fɔ lɛf fɔ wok fɔ kia fɔ di pikin. If na so i bi, dɛn kin tek di mɔni we dɛn lɔs as indaykt kɔst we dɛn ad to dɛn spɛns dɛn ya.
We wi tink bɔt ɔltin, fɔ bɔn pikin na fayn chenj na layf, bɔt na big big wok bak. If yu no dɛn kɔst ya bifo tɛm ɛn plan fɔ dɛn togɛda, yu go wɛlkɔm yu nyu pikin witout ɛni strɛs.
Mɛsej we dɛn kin kɛr go na os
- Plan bifo tɛm: I fayn fɔ tink bɔt dɛn spɛns ya ɛn bigin fɔ sev smɔl tɛm bifo yu ivin tink bɔt fɔ bɔn pikin.
- Pik wetin yu go du: Disid if yu go go na gɔvmɛnt ɔ prayvet ɔspitul bay aw yu gɛt mɔni ɛn wetin yu lɛk. Ɔndastand di gud ɛn bad tin dɛn we dɛn ɔl tu gɛt.
- Mek yu no klia wan: If yu pik prayvet ɔspitul, mek shɔ se yu aks bɔt di fi, di paket, ɛn di tin dɛn we yu nɔ fɔ pe fɔ yu bifo tɛm. Tɔk to yu dɔktɔ bɔt dis opin wan.
- Ridyus di spɛns we yu nɔ nid fɔ spɛn: Mek wan list fɔ di tin dɛn we yu pikin nid. Yu fɔ put di tin dɛn we impɔtant fɔs. Yu nɔ nid fɔ bay ɔltin wan tɛm.
- Gladi: Nɔ strɛs yusɛf bay we yu de tink tumɔs bɔt dɛn spɛnd dɛn ya. If yu plan gud wan, yu go ebul fɔ manej ɔl dis. Di tin we impɔtant pas ɔl na fɔ spɛn dis fayn tɛm wit gladi at ɛn gɛt wɛlbɔdi.
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