Wi ɔl de wok tranga wan ɔlsay na wi layf fɔ fid ɛn klos wisɛf fayn, fɔ tich wi pikin dɛn, ɛn fɔ kip mɔni fɔ tumara bambay, nɔto so? Bɔt pan ɔl we wi de kip dis mɔni, wi dɔn ɛva tink if wi de rɛdi wisɛf fɔ di sik dɛn we kin kam wit ol ej? Imajin, if yu gɛt siriɔs sik wantɛm wantɛm, ɔl di mɔni we yu bin dɔn kip we yu bin dɔn wok tranga wan go dɔn insay wan de. Insay dis kayn tin we yu nɔ bin de ɛkspɛkt, wɛlbɔdi inshɔrans kɔvarej na sɔntin we go ɛp yu we nɔ go put ebi lod pan yu walet.
Fɔ tɔk am simpul wan, wetin na wɛlbɔdi inshɔrans?
Dis na wan kɔnsɛpt we rili simpul. Tink bɔt am lɛk sosayti we de mek pipul dɛn day na di vilej. Wi ɔl kin kam togɛda ɛn gɛda smɔl smɔl mɔni. If pɔsin gɛt prɔblɛm, wi kin yuz di mɔni we wi kin gɛda fɔ ɛp da pɔsin de. Ɛlth inshɔrans na di sem tin.
Yu kin pe smɔl mɔni to inshɔrans kɔmni ɛvri mɔnt ɔ ɛvri ia. Wi de kɔl am ``prɛmiɔm`` . In ritɔn, if yu sik ɛn gɛt fɔ go na ɔspitul, di inshɔrans kɔmni go pe fɔ di ɛkspɛns - dat na, dɔktɔ in fi, mɛrɛsin, tɛst, rum chaj, ɛn ɔda tin dɛn Dɛn kɔl dis klem .
Fɔ tɔk am simpul wan, wɛlbɔdi inshɔrans tan lɛk fɔ kip smɔl tide fɔ big ɔspitul bil we go kam tumara bambay.
Yu tink se dis rili impɔtant to wi na Sri Lanka?
Sɔm pipul kin tink se, "We gɔvmɛnt ɔspitul dɛn fri na wi kɔntri, wetin mek fɔ pe fɔ inshɔrans?" Yɛs, fri wɛlbɔdi biznɛs na wi kɔntri na wan pan di big big blɛsin dɛn we wi kin gɛt. No agyumɛnt nɔ de bɔt dat. Bɔt wi ɔl no bɔt di bɔku bɔku pipul dɛn we de na gɔvmɛnt ɔspitul dɛn, di lɔng lɔng kiyu dɛn we kin de fɔ mek dɛn du ɔpreshɔn, ɛn di tru tin we se dɛn fɔ du sɔm dia dia mɛrɛsin dɛn ɔ tɛst dɛn na do.
Bɔt if yu go fɛn tritmɛnt na prayvet ɔspitul, yu go mɔs no aw i dia. Imajin if yu nid bɔku bɔku pipul dɛn wantɛm wantɛm fɔ mek dɛn du am imejensi baypas ɔpreshɔn, fɔ gɛt kansa tritmɛnt, ɔ fɔ mek dɛn transplant yu kidni? If na so i bi, if yu gɛt gud wɛlbɔdi inshɔrans kɔva, dat go gi yu di chans fɔ gɛt di bɛst tritmɛnt we yu nɔ go wɔri bɔt da mɔni de. Ɛspɛshali afta yu dɔn ritaia, we yu nɔ gɛt stebul mɔni, sɔntin lɛk dis kin ɛp yu bad bad wan.
Udat kin gɛt wɛlbɔdi inshɔrans?
Fɔ tru, ɛnibɔdi kin gɛt wɛlbɔdi inshɔrans. Bɔt di tin we impɔtant pas ɔl fɔ mɛmba na yu ej ɛn yu wɛlbɔdi kɔndishɔn di tɛm we yu gɛt di inshɔrans .
- Yɔŋ ɛn wɛlbɔdi: If yu bay inshɔrans we yu yɔŋ ɛn nɔ gɛt big sik, di prɛmiɔm we yu go pe go smɔl pasmak. Yu go ebul bak fɔ gɛt inshɔrans kɔvarej we nɔ gɛt ɛni prɔblɛm.
- Pipul dɛn we dɔn ol ɛn we dɔn ritaia:Yu kin bay inshɔrans as yu de ol, bɔt di prɛmiɔm dɛn kin go ɔp smɔl. Sɔm kɔmni dɛn dɔn mek inshɔrans plan dɛn fɔ di wan dɛn we dɔn ritaia.
- Pipul wae gɛt dis sik bifo dis tɛm: If yu gɛt wan sik wae bin dɔn de bifo lɛk dayabitis ɔr ay blɔd prɛshɔn, sɔm inshɔrans kɔmni dɛm go aksept yu. Bɔt dɛn nɔ go kɔba yu fɔ di fɔs sɔm ia, ɔ yu prɛmiɔm kin bɔku. Di tin we impɔtant pas ɔl na fɔ ɔnɛs bɔt yu wɛlbɔdi prɔblɛm we yu de aplay fɔ inshɔrans.
Aw fɔ pik gud inshɔrans? Tek tɛm wit dɛn tin ya!
Bɔku wɛlbɔdi inshɔrans kɔmni dɛn de na Sri Lanka naw. Bifo yu pik wan, i rili impɔtant fɔ tek tɛm du risach bɔt dɛn tin ya.
| Tin dɛn we yu fɔ no bɔt | Simply minin |
|---|---|
| Di Kɔvarej Amaunt | Wetin na di maksimam mɔni we di inshɔrans kɔmni go pe yu if yu sik? (e.g. 5, 10, 20 laks pan ia?) |
| Bɛst | Di mɔni we yu nid fɔ pe fɔ wan mɔnt ɔ ia fɔ gɛt da kɔvarej de. |
| Netwok Ospital dɛn | Us prayvet ɔspitul yu kin gɛt tritmɛnt na? Sɔm inshɔrans plan dɛn kin pe di bil dairekt to di ɔspitul (Cashless). |
| Sik dɛn we Dɛn Kɔba | Us kayn sik dɛn kin kɔba? Mek shɔ se yu chɛk di tin dɛn we dɛn nɔ put insay. |
| Limit fɔ di ej | Wetin na di maksimam ej fɔ inrɔl fɔ inshɔrans? Dɔn bak, wetin na di maksimam ej fɔ ridyus inshɔrans? |
| 'No Klɛm Bɔnus'. | If yu nɔ mek ɛni klem fɔ wan ia, di kɔvarej mɔnt go go ɔp di nɛks ia ɔ di prɛmiɔm go go dɔŋ? |
Wetin kin apin if a let fɔ gɛt inshɔrans?
Dis na mistek bak we bɔku pan wi kin mek. Postponing, saying, "Oh... mek wi wet likl longer." Bɔt we i kam pan wɛlbɔdi inshɔrans, if yu put am bifo tɛm, dat kin mek yu lɔs.
1. Di prɛmiɔm dɛn kin go ɔp: As yu de ol, di prɛmiɔm dɛn we inshɔrans kɔmni dɛn kin chaj kin go ɔp bak bikɔs di risk fɔ gɛt sik dɛn kin bɔku.
2. Di sik kɔvarej nɔ bɔku: If yu go fɔ gɛt inshɔrans afta yu dɔn gɛt nyu sik (e.g. dayabitis) as yu de ol, yu nɔ go gɛt kɔvarej fɔ da sik de ɔ dɛn kin dinay di inshɔrans.
3. Di tɛm fɔ wet: Sɔm inshɔrans polisi dɛn nɔ kin kɔba sɔm kɔndishɔn dɛn fɔ di fɔs mɔnt ɔ ia afta yu tek kɔvarej. Dis tɛm kin bi prɔblɛm if yu tek kɔvarej let ɛn gɛt imejensi.
So, di bɛst tin fɔ du na fɔ bigin inshɔrans we yu yɔŋ ɛn gɛt wɛlbɔdi, ɛn pe smɔl prɛmiɔm. Na di big invɛstmɛnt wae yu kin mek fɔ yu yone fiuja wɛl bɔdi.
Tink bak bɔt di inshɔrans we yu wok de gi yu.
Bɔku prayvet kɔmni dɛn kin gi grup inshɔrans kɔvarej to dɛn wokman dɛn. Dat na big tin. Bɔt mɛmba se bɔku tɛm, da kɔvarej de kin dɔn we yu ritaia ɔ lɛf di kɔmni . Dɔn bak, inshɔrans plan dɛn de fɔ gɔvmɛnt wokman dɛn lɛk ‘Agrahara’. Aks yu kɔmni bɔt dɛn tin ya bak. Bɔt i bɛtɛ fɔ tink bɔt fɔ ritaia ɛn gɛt yu yon pɔsin inshɔrans apat frɔm dis.
If yu gɛt ɛni ɔda kwɛstyɔn bɔt dis, tɔk to wan inshɔrans advaysa we yu kin abop pan. Bɔt if yu gɛt mɛdikal kɔnsyusɔn bɔt if yu kin gɛt inshɔrans ɔ nɔr kin gɛt bikɔs ɔf yu wɛl bɔdi, i go fayn fɔ tɔk to yu famili dɔktɔ bɔt am.
Mɛsej we dɛn kin kɛr go na os
- Ɛlth inshɔrans nɔto ɛkspɛns, bɔt na invɛstismɛnt fɔ tumara bambay. I kin protɛkt di mɔni we yu dɔn kip if ɛnitin apin.
- Start inshɔrans we yu yɔŋ ɛn gɛt wɛlbɔdi. Da we de, yu kin gɛt mɔ bɛnifit fɔ di prɛmiɔm we smɔl.
- Bifo yu pik inshɔrans polisi, gɛt di ditel dɛn frɔm sɔm kɔmni dɛn ɛn kɔmpia di mɔni we dɛn kɔba, di prɛmium, sik dɛn we dɛn kɔba, ɛn ɔspitul dɛn.
- Nɔ ayd ɛnitin bɔt yu wɛlbɔdi prɔblɛm we yu de fil di inshɔrans aplikeshɔn. If yu ɔnɛs bɔt ɔltin, dat kin ɛp fɔ mek yu nɔ gɛt prɔblɛm we yu de mek klem tumara bambay.
- Ivin if yu gɛt inshɔrans tru yu wok, i stil fayn fɔ tink bɔt prayvet inshɔrans fɔ ritaia.
- Tɔk to yu dɔktɔ bɔt ɛni prɔblɛm we yu gɛt wit yu mɛrɛsin.
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